Home > The Northern State Bank of Gonvick > Performance and Condition Ratios
The Northern State Bank of Gonvick, 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 | 4.6418% | 2,797 |
| Cost of funding earning assets | 1.3513% | 2,355 |
| Net interest margin | 3.2904% | 2,662 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.4423% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9163% | 519 |
| Return on assets (ROA) | 1.9163% | 499 |
| Pretax return on assets | 1.9163% | 758 |
| Return on Equity (ROE) | 13.6100% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.0410% | 2,596 |
| Net charge-offs to loans | -0.0137% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.9437% | 4,290 |
| Assets per employee ($millions) | 10.5208% | 615 |
| Cash dividends to net income (ytd only)* | 62.9512% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0979% | 58 |
| Loan loss allowance to noncurrent loans | 387.1166% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 1,710 |
| Noncurrent loans to loans | 1.0586% | 695 |
| Net loans and leases to total assets | 28.0700% | 4,331 |
| Net loans and leases to deposits | 32.7719% | 4,325 |
| Net loans and leases to core deposits | 33.4473% | 4,367 |
| Total domestic deposits to total assets | 85.6600% | 2,120 |
| Equity capital to assets | 14.0750% | 670 |
| Core capital (leverage) ratio | 15.3571% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.2229% | 95 |
| Memoranda: | ||
| Average total assets | $49,157,200 | 4,324 |
| Average earning assets | $48,322,200 | 4,269 |
| Average equity | $6,923,200 | 4,058 |
| Average total loans | $14,633,800 | 4,358 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 2,706 |
| Cost of funding earning assets | 1.1948% | 2,450 |
| Net interest margin | 3.3932% | 2,469 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.5156% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9435% | 540 |
| Return on assets (ROA) | 1.9435% | 532 |
| Pretax return on assets | 1.9435% | 811 |
| Return on Equity (ROE) | 13.8000% | 1,702 |
| Retained earnings to average equity (ytd only) | 2.1755% | 3,701 |
| Net charge-offs to loans | -0.0092% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.8148% | 4,242 |
| Assets per employee ($millions) | 8.7180% | 1,040 |
| Cash dividends to net income (ytd only)* | 84.2330% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0206% | 56 |
| Loan loss allowance to noncurrent loans | 366.8605% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 1,463 |
| Noncurrent loans to loans | 1.0960% | 717 |
| Net loans and leases to total assets | 34.5600% | 4,230 |
| Net loans and leases to deposits | 41.4388% | 4,172 |
| Net loans and leases to core deposits | 42.4992% | 4,203 |
| Total domestic deposits to total assets | 83.3900% | 2,931 |
| Equity capital to assets | 16.2400% | 430 |
| Core capital (leverage) ratio | 16.0461% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.0151% | 107 |
| Memoranda: | ||
| Average total assets | $48,295,500 | 4,344 |
| Average earning assets | $47,427,500 | 4,293 |
| Average equity | $6,803,000 | 4,069 |
| Average total loans | $14,442,750 | 4,381 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 3,031 |
| Cost of funding earning assets | 0.9674% | 2,714 |
| Net interest margin | 3.3674% | 2,602 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.5121% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9212% | 540 |
| Return on assets (ROA) | 1.9212% | 536 |
| Pretax return on assets | 1.9212% | 833 |
| Return on Equity (ROE) | 14.2800% | 1,623 |
| Retained earnings to average equity (ytd only) | -3.3974% | 4,359 |
| Net charge-offs to loans | -0.0143% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.0421% | 4,253 |
| Assets per employee ($millions) | 9.3824% | 807 |
| Cash dividends to net income (ytd only)* | 123.7996% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9929% | 61 |
| Loan loss allowance to noncurrent loans | 557.5221% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 1,989 |
| Noncurrent loans to loans | 0.7162% | 1,042 |
| Net loans and leases to total assets | 32.2900% | 4,276 |
| Net loans and leases to deposits | 37.8416% | 4,256 |
| Net loans and leases to core deposits | 38.7159% | 4,281 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 14.4590% | 583 |
| Core capital (leverage) ratio | 14.4969% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8382% | 106 |
| Memoranda: | ||
| Average total assets | $49,864,000 | 4,356 |
| Average earning assets | $48,999,667 | 4,307 |
| Average equity | $6,711,000 | 4,106 |
| Average total loans | $14,025,667 | 4,409 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,231 |
| Cost of funding earning assets | 0.8161% | 2,677 |
| Net interest margin | 3.2960% | 2,887 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.3245% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0257% | 469 |
| Return on assets (ROA) | 2.0257% | 463 |
| Pretax return on assets | 2.0257% | 740 |
| Return on Equity (ROE) | 15.5800% | 1,447 |
| Retained earnings to average equity (ytd only) | -19.9551% | 4,593 |
| Net charge-offs to loans | -0.0304% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.5349% | 4,455 |
| Assets per employee ($millions) | 9.8232% | 738 |
| Cash dividends to net income (ytd only)* | 228.0769% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6205% | 48 |
| Loan loss allowance to noncurrent loans | 492.1875% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 1,838 |
| Noncurrent loans to loans | 0.9388% | 800 |
| Net loans and leases to total assets | 26.4800% | 4,434 |
| Net loans and leases to deposits | 30.5885% | 4,437 |
| Net loans and leases to core deposits | 31.2508% | 4,437 |
| Total domestic deposits to total assets | 86.5600% | 2,423 |
| Equity capital to assets | 13.3317% | 692 |
| Core capital (leverage) ratio | 13.2565% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.5147% | 86 |
| Memoranda: | ||
| Average total assets | $51,340,000 | 4,403 |
| Average earning assets | $50,485,000 | 4,350 |
| Average equity | $6,675,000 | 4,162 |
| Average total loans | $13,149,500 | 4,480 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3347% | 4,554 |
| Cost of funding earning assets | 0.3329% | 2,607 |
| Net interest margin | 2.0018% | 4,555 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.3078% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9916% | 2,602 |
| Return on assets (ROA) | 0.9916% | 2,549 |
| Pretax return on assets | 0.9916% | 3,093 |
| Return on Equity (ROE) | 7.0000% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.9986% | 2,244 |
| Net charge-offs to loans | 0.1948% | 421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 21.9524% | 1,851 |
| Efficiency ratio | 56.8756% | 3,481 |
| Assets per employee ($millions) | 10.7128% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9668% | 41 |
| Loan loss allowance to noncurrent loans | 487.5969% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 1,950 |
| Noncurrent loans to loans | 1.0186% | 711 |
| Net loans and leases to total assets | 22.4700% | 4,528 |
| Net loans and leases to deposits | 25.7505% | 4,529 |
| Net loans and leases to core deposits | 26.3711% | 4,524 |
| Total domestic deposits to total assets | 87.2500% | 2,305 |
| Equity capital to assets | 12.6988% | 768 |
| Core capital (leverage) ratio | 14.3435% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.3356% | 84 |
| Memoranda: | ||
| Average total assets | $46,490,400 | 4,468 |
| Average earning assets | $45,658,200 | 4,421 |
| Average equity | $6,587,000 | 4,263 |
| Average total loans | $10,781,400 | 4,548 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8199% | 4,634 |
| Cost of funding earning assets | 0.2188% | 3,050 |
| Net interest margin | 1.6012% | 4,628 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.3297% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6619% | 3,659 |
| Return on assets (ROA) | 0.6619% | 3,622 |
| Pretax return on assets | 0.6619% | 3,883 |
| Return on Equity (ROE) | 4.5300% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.5306% | 3,270 |
| Net charge-offs to loans | 0.2845% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 2,002 |
| Efficiency ratio | 66.7665% | 2,185 |
| Assets per employee ($millions) | 8.5958% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1909% | 38 |
| Loan loss allowance to noncurrent loans | 461.7647% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 1,676 |
| Noncurrent loans to loans | 1.1242% | 658 |
| Net loans and leases to total assets | 26.6900% | 4,492 |
| Net loans and leases to deposits | 31.5431% | 4,475 |
| Net loans and leases to core deposits | 32.5270% | 4,473 |
| Total domestic deposits to total assets | 84.6100% | 3,362 |
| Equity capital to assets | 15.2330% | 436 |
| Core capital (leverage) ratio | 16.0588% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.8321% | 82 |
| Memoranda: | ||
| Average total assets | $44,722,000 | 4,523 |
| Average earning assets | $43,883,500 | 4,472 |
| Average equity | $6,533,250 | 4,310 |
| Average total loans | $10,310,750 | 4,591 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4079% | 4,718 |
| Cost of funding earning assets | 0.1799% | 3,184 |
| Net interest margin | 1.2280% | 4,713 |
| Noninterest income to average assets | 0.1236% | 4,380 |
| Noninterest expense to average assets | 1.3421% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0132% | 4,578 |
| Return on assets (ROA) | -0.0132% | 4,549 |
| Pretax return on assets | -0.0132% | 4,542 |
| Return on Equity (ROE) | -0.0919% | 4,548 |
| Retained earnings to average equity (ytd only) | -0.0919% | 4,183 |
| Net charge-offs to loans | -0.0206% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9967% | 179 |
| Assets per employee ($millions) | 8.7704% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9877% | 27 |
| Loan loss allowance to noncurrent loans | 431.7881% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,626 |
| Noncurrent loans to loans | 1.3867% | 547 |
| Net loans and leases to total assets | 23.3444% | 4,607 |
| Net loans and leases to deposits | 27.3804% | 4,592 |
| Net loans and leases to core deposits | 28.2104% | 4,591 |
| Total domestic deposits to total assets | 85.2595% | 3,426 |
| Equity capital to assets | 14.6265% | 446 |
| Core capital (leverage) ratio | 14.6110% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.5488% | 42 |
| Memoranda: | ||
| Average total assets | $45,303,000 | 4,567 |
| Average earning assets | $44,463,667 | 4,528 |
| Average equity | $6,528,667 | 4,363 |
| Average total loans | $9,715,000 | 4,663 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2148% | 4,750 |
| Cost of funding earning assets | 0.1685% | 3,240 |
| Net interest margin | 1.0463% | 4,746 |
| Noninterest income to average assets | 0.1217% | 4,397 |
| Noninterest expense to average assets | 1.2601% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1130% | 4,604 |
| Return on assets (ROA) | -0.1130% | 4,586 |
| Pretax return on assets | -0.1130% | 4,577 |
| Return on Equity (ROE) | -0.7896% | 4,579 |
| Retained earnings to average equity (ytd only) | -0.7896% | 4,121 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8485% | 131 |
| Assets per employee ($millions) | 9.0344% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7343% | 25 |
| Loan loss allowance to noncurrent loans | 417.3077% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 1,726 |
| Noncurrent loans to loans | 1.6137% | 498 |
| Net loans and leases to total assets | 19.9593% | 4,671 |
| Net loans and leases to deposits | 23.3146% | 4,669 |
| Net loans and leases to core deposits | 23.9972% | 4,666 |
| Total domestic deposits to total assets | 85.6083% | 3,378 |
| Equity capital to assets | 14.3186% | 475 |
| Core capital (leverage) ratio | 14.6652% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.8986% | 36 |
| Memoranda: | ||
| Average total assets | $46,028,500 | 4,582 |
| Average earning assets | $45,111,500 | 4,545 |
| Average equity | $6,586,000 | 4,403 |
| Average total loans | $9,128,000 | 4,700 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6435% | 4,735 |
| Cost of funding earning assets | 0.2149% | 3,317 |
| Net interest margin | 1.4286% | 4,733 |
| Noninterest income to average assets | 0.1116% | 4,559 |
| Noninterest expense to average assets | 1.2963% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2042% | 4,532 |
| Return on assets (ROA) | 0.2042% | 4,550 |
| Pretax return on assets | 0.2042% | 4,572 |
| Return on Equity (ROE) | 1.2810% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.2810% | 4,179 |
| Net charge-offs to loans | 0.1948% | 502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,468 |
| Efficiency ratio | 86.3924% | 451 |
| Assets per employee ($millions) | 9.3770% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5795% | 18 |
| Loan loss allowance to noncurrent loans | 406.8750% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 1,863 |
| Noncurrent loans to loans | 1.8628% | 438 |
| Net loans and leases to total assets | 16.9308% | 4,742 |
| Net loans and leases to deposits | 19.7674% | 4,745 |
| Net loans and leases to core deposits | 20.0672% | 4,740 |
| Total domestic deposits to total assets | 85.6500% | 3,036 |
| Equity capital to assets | 14.2988% | 611 |
| Core capital (leverage) ratio | 14.9430% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.3032% | 35 |
| Memoranda: | ||
| Average total assets | $42,119,400 | 4,640 |
| Average earning assets | $40,948,200 | 4,609 |
| Average equity | $6,713,400 | 4,455 |
| Average total loans | $8,728,200 | 4,747 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7708% | 4,801 |
| Cost of funding earning assets | 0.2251% | 3,373 |
| Net interest margin | 1.5457% | 4,798 |
| Noninterest income to average assets | 0.1108% | 4,625 |
| Noninterest expense to average assets | 1.3389% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2704% | 4,558 |
| Return on assets (ROA) | 0.2704% | 4,580 |
| Pretax return on assets | 0.2704% | 4,615 |
| Return on Equity (ROE) | 1.6478% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.6478% | 4,285 |
| Net charge-offs to loans | 0.2739% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.6111% | 2,257 |
| Efficiency ratio | 83.1984% | 567 |
| Assets per employee ($millions) | 8.0204% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4635% | 19 |
| Loan loss allowance to noncurrent loans | 371.4286% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 1,726 |
| Noncurrent loans to loans | 2.0094% | 436 |
| Net loans and leases to total assets | 20.0963% | 4,796 |
| Net loans and leases to deposits | 24.2099% | 4,787 |
| Net loans and leases to core deposits | 24.6543% | 4,787 |
| Total domestic deposits to total assets | 83.0083% | 3,705 |
| Equity capital to assets | 16.7847% | 352 |
| Core capital (leverage) ratio | 16.4296% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 88.9020% | 31 |
| Memoranda: | ||
| Average total assets | $40,928,000 | 4,721 |
| Average earning assets | $39,679,250 | 4,686 |
| Average equity | $6,715,750 | 4,519 |
| Average total loans | $8,763,000 | 4,816 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6519% | 4,857 |
| Cost of funding earning assets | 0.2253% | 3,512 |
| Net interest margin | 1.4267% | 4,854 |
| Noninterest income to average assets | 0.1116% | 4,647 |
| Noninterest expense to average assets | 1.3251% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1699% | 4,656 |
| Return on assets (ROA) | 0.1699% | 4,675 |
| Pretax return on assets | 0.1699% | 4,690 |
| Return on Equity (ROE) | 1.0431% | 4,697 |
| Retained earnings to average equity (ytd only) | 1.0431% | 4,329 |
| Net charge-offs to loans | 0.5011% | 161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.5909% | 2,164 |
| Efficiency ratio | 88.6364% | 383 |
| Assets per employee ($millions) | 8.1636% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9128% | 23 |
| Loan loss allowance to noncurrent loans | 246.5649% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 1,293 |
| Noncurrent loans to loans | 2.8036% | 270 |
| Net loans and leases to total assets | 21.3117% | 4,814 |
| Net loans and leases to deposits | 25.5823% | 4,813 |
| Net loans and leases to core deposits | 26.0418% | 4,819 |
| Total domestic deposits to total assets | 83.3064% | 3,638 |
| Equity capital to assets | 16.4168% | 382 |
| Core capital (leverage) ratio | 15.9704% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.2505% | 35 |
| Memoranda: | ||
| Average total assets | $41,203,333 | 4,751 |
| Average earning assets | $39,953,667 | 4,714 |
| Average equity | $6,710,667 | 4,542 |
| Average total loans | $8,781,000 | 4,851 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7239% | 4,883 |
| Cost of funding earning assets | 0.2292% | 3,650 |
| Net interest margin | 1.4947% | 4,875 |
| Noninterest income to average assets | 0.0966% | 4,701 |
| Noninterest expense to average assets | 1.3045% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2416% | 4,603 |
| Return on assets (ROA) | 0.2416% | 4,625 |
| Pretax return on assets | 0.2416% | 4,651 |
| Return on Equity (ROE) | 1.4891% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.4891% | 4,126 |
| Net charge-offs to loans | 1.0354% | 71 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 1,866 |
| Efficiency ratio | 84.3750% | 577 |
| Assets per employee ($millions) | 8.3674% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0702% | 21 |
| Loan loss allowance to noncurrent loans | 246.5649% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 1,516 |
| Noncurrent loans to loans | 2.8675% | 283 |
| Net loans and leases to total assets | 20.2954% | 4,855 |
| Net loans and leases to deposits | 24.2040% | 4,853 |
| Net loans and leases to core deposits | 24.6252% | 4,858 |
| Total domestic deposits to total assets | 83.8516% | 3,481 |
| Equity capital to assets | 16.0408% | 386 |
| Core capital (leverage) ratio | 16.3299% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.7677% | 35 |
| Memoranda: | ||
| Average total assets | $41,396,000 | 4,769 |
| Average earning assets | $40,141,500 | 4,732 |
| Average equity | $6,715,500 | 4,553 |
| Average total loans | $8,499,000 | 4,879 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1424% | 4,904 |
| Cost of funding earning assets | 0.3720% | 3,757 |
| Net interest margin | 1.7704% | 4,885 |
| Noninterest income to average assets | 0.1419% | 4,583 |
| Noninterest expense to average assets | 1.3862% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4562% | 4,127 |
| Return on assets (ROA) | 0.4562% | 4,208 |
| Pretax return on assets | 0.4562% | 4,341 |
| Return on Equity (ROE) | 2.6212% | 4,457 |
| Retained earnings to average equity (ytd only) | -2.2571% | 4,724 |
| Net charge-offs to loans | 0.1540% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,188 |
| Efficiency ratio | 75.2407% | 1,309 |
| Assets per employee ($millions) | 8.1910% | 973 |
| Cash dividends to net income (ytd only)* | 186.1111% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5104% | 17 |
| Loan loss allowance to noncurrent loans | 246.8635% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 1,581 |
| Noncurrent loans to loans | 3.4474% | 207 |
| Net loans and leases to total assets | 17.5607% | 4,899 |
| Net loans and leases to deposits | 21.0323% | 4,898 |
| Net loans and leases to core deposits | 21.4079% | 4,901 |
| Total domestic deposits to total assets | 83.4941% | 3,267 |
| Equity capital to assets | 16.4083% | 389 |
| Core capital (leverage) ratio | 16.3105% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 96.8953% | 31 |
| Memoranda: | ||
| Average total assets | $39,460,000 | 4,778 |
| Average earning assets | $37,900,800 | 4,741 |
| Average equity | $6,867,200 | 4,543 |
| Average total loans | $7,794,600 | 4,921 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1701% | 4,954 |
| Cost of funding earning assets | 0.4091% | 3,770 |
| Net interest margin | 1.7610% | 4,938 |
| Noninterest income to average assets | 0.1467% | 4,570 |
| Noninterest expense to average assets | 1.4736% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3616% | 4,340 |
| Return on assets (ROA) | 0.3616% | 4,397 |
| Pretax return on assets | 0.3616% | 4,474 |
| Return on Equity (ROE) | 2.0471% | 4,546 |
| Retained earnings to average equity (ytd only) | -4.4224% | 4,826 |
| Net charge-offs to loans | -0.0171% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2974% | 849 |
| Assets per employee ($millions) | 7.5836% | 1,167 |
| Cash dividends to net income (ytd only)* | 316.0377% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6428% | 16 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 2,545 |
| Noncurrent loans to loans | 1.9516% | 626 |
| Net loans and leases to total assets | 19.0121% | 4,936 |
| Net loans and leases to deposits | 23.1816% | 4,933 |
| Net loans and leases to core deposits | 23.6376% | 4,931 |
| Total domestic deposits to total assets | 82.0138% | 3,417 |
| Equity capital to assets | 17.6592% | 325 |
| Core capital (leverage) ratio | 16.7250% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 95.4833% | 37 |
| Memoranda: | ||
| Average total assets | $39,086,250 | 4,806 |
| Average earning assets | $37,478,750 | 4,771 |
| Average equity | $6,904,000 | 4,557 |
| Average total loans | $7,778,000 | 4,954 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2618% | 4,998 |
| Cost of funding earning assets | 0.4481% | 3,803 |
| Net interest margin | 1.8137% | 4,981 |
| Noninterest income to average assets | 0.1469% | 4,571 |
| Noninterest expense to average assets | 1.4287% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4610% | 4,111 |
| Return on assets (ROA) | 0.4610% | 4,174 |
| Pretax return on assets | 0.4610% | 4,315 |
| Return on Equity (ROE) | 2.6099% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.6099% | 3,546 |
| Net charge-offs to loans | -0.0258% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6032% | 1,300 |
| Assets per employee ($millions) | 8.0386% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5200% | 13 |
| Loan loss allowance to noncurrent loans | 431.0127% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 2,719 |
| Noncurrent loans to loans | 1.9767% | 690 |
| Net loans and leases to total assets | 18.1922% | 4,973 |
| Net loans and leases to deposits | 22.1247% | 4,976 |
| Net loans and leases to core deposits | 22.5338% | 4,973 |
| Total domestic deposits to total assets | 82.2258% | 3,309 |
| Equity capital to assets | 17.5702% | 330 |
| Core capital (leverage) ratio | 17.2598% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.6976% | 36 |
| Memoranda: | ||
| Average total assets | $39,475,667 | 4,828 |
| Average earning assets | $37,934,333 | 4,787 |
| Average equity | $6,973,333 | 4,568 |
| Average total loans | $7,740,333 | 4,987 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5957% | 5,033 |
| Cost of funding earning assets | 0.5191% | 3,850 |
| Net interest margin | 2.0765% | 4,997 |
| Noninterest income to average assets | 0.1738% | 4,501 |
| Noninterest expense to average assets | 1.5134% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6647% | 3,391 |
| Return on assets (ROA) | 0.6647% | 3,458 |
| Pretax return on assets | 0.6647% | 3,784 |
| Return on Equity (ROE) | 3.7523% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.7523% | 2,782 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4836% | 2,431 |
| Assets per employee ($millions) | 7.9544% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8672% | 12 |
| Loan loss allowance to noncurrent loans | 482.9787% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 3,017 |
| Noncurrent loans to loans | 1.8359% | 812 |
| Net loans and leases to total assets | 17.5978% | 5,021 |
| Net loans and leases to deposits | 21.4476% | 5,024 |
| Net loans and leases to core deposits | 21.8493% | 5,021 |
| Total domestic deposits to total assets | 82.0502% | 3,410 |
| Equity capital to assets | 17.7738% | 373 |
| Core capital (leverage) ratio | 17.2516% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,117,000 | 4,867 |
| Average earning assets | $37,755,000 | 4,821 |
| Average equity | $6,929,000 | 4,610 |
| Average total loans | $7,614,000 | 5,036 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 5,051 |
| Cost of funding earning assets | 0.5501% | 3,874 |
| Net interest margin | 2.4539% | 4,988 |
| Noninterest income to average assets | 0.1563% | 4,706 |
| Noninterest expense to average assets | 1.4691% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0082% | 2,818 |
| Return on assets (ROA) | 1.0082% | 2,907 |
| Pretax return on assets | 1.0082% | 3,446 |
| Return on Equity (ROE) | 5.6060% | 4,034 |
| Retained earnings to average equity (ytd only) | 0.5846% | 4,521 |
| Net charge-offs to loans | -0.0136% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3036% | 3,793 |
| Assets per employee ($millions) | 7.6924% | 798 |
| Cash dividends to net income (ytd only)* | 89.5722% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0223% | 7 |
| Loan loss allowance to noncurrent loans | 654.8077% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,346 |
| Noncurrent loans to loans | 1.3778% | 1,076 |
| Net loans and leases to total assets | 17.8540% | 5,088 |
| Net loans and leases to deposits | 21.7159% | 5,092 |
| Net loans and leases to core deposits | 22.1359% | 5,091 |
| Total domestic deposits to total assets | 82.2162% | 3,450 |
| Equity capital to assets | 17.6512% | 398 |
| Core capital (leverage) ratio | 18.6823% | 293 |
| Tier 1 risk-based capital ratio | 101.9413% | 45 |
| Total risk-based capital ratio | 103.2957% | 45 |
| Memoranda: | ||
| Average total assets | $37,097,200 | 4,938 |
| Average earning assets | $35,087,600 | 4,914 |
| Average equity | $6,671,400 | 4,674 |
| Average total loans | $7,336,200 | 5,099 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1506% | 5,110 |
| Cost of funding earning assets | 0.5424% | 3,974 |
| Net interest margin | 2.6082% | 4,998 |
| Noninterest income to average assets | 0.1415% | 4,829 |
| Noninterest expense to average assets | 1.5054% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0955% | 2,587 |
| Return on assets (ROA) | 1.0955% | 2,683 |
| Pretax return on assets | 1.0955% | 3,307 |
| Return on Equity (ROE) | 6.0623% | 4,021 |
| Retained earnings to average equity (ytd only) | -0.6625% | 4,825 |
| Net charge-offs to loans | -0.0183% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8801% | 3,952 |
| Assets per employee ($millions) | 6.9014% | 1,066 |
| Cash dividends to net income (ytd only)* | 110.9273% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1385% | 9 |
| Loan loss allowance to noncurrent loans | 648.5714% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 3,330 |
| Noncurrent loans to loans | 1.4090% | 1,083 |
| Net loans and leases to total assets | 19.6221% | 5,160 |
| Net loans and leases to deposits | 24.4564% | 5,157 |
| Net loans and leases to core deposits | 24.9982% | 5,157 |
| Total domestic deposits to total assets | 80.2330% | 3,940 |
| Equity capital to assets | 19.4714% | 279 |
| Core capital (leverage) ratio | 19.1371% | 285 |
| Tier 1 risk-based capital ratio | 101.0098% | 43 |
| Total risk-based capital ratio | 102.3662% | 42 |
| Memoranda: | ||
| Average total assets | $36,756,000 | 5,017 |
| Average earning assets | $34,659,250 | 4,993 |
| Average equity | $6,642,000 | 4,733 |
| Average total loans | $7,283,250 | 5,180 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 5,197 |
| Cost of funding earning assets | 0.5226% | 4,020 |
| Net interest margin | 2.5389% | 5,106 |
| Noninterest income to average assets | 0.1280% | 4,937 |
| Noninterest expense to average assets | 1.5304% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9812% | 2,988 |
| Return on assets (ROA) | 0.9812% | 3,056 |
| Pretax return on assets | 0.9812% | 3,612 |
| Return on Equity (ROE) | 5.5620% | 4,186 |
| Retained earnings to average equity (ytd only) | -4.5645% | 5,043 |
| Net charge-offs to loans | -0.0277% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9342% | 3,587 |
| Assets per employee ($millions) | 7.1176% | 948 |
| Cash dividends to net income (ytd only)* | 182.0652% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6331% | 7 |
| Loan loss allowance to noncurrent loans | 489.2086% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,938 |
| Noncurrent loans to loans | 1.9691% | 734 |
| Net loans and leases to total assets | 17.9246% | 5,214 |
| Net loans and leases to deposits | 22.0795% | 5,212 |
| Net loans and leases to core deposits | 22.5478% | 5,212 |
| Total domestic deposits to total assets | 81.1819% | 3,755 |
| Equity capital to assets | 18.5933% | 322 |
| Core capital (leverage) ratio | 18.0196% | 341 |
| Tier 1 risk-based capital ratio | 92.1119% | 47 |
| Total risk-based capital ratio | 93.4545% | 46 |
| Memoranda: | ||
| Average total assets | $37,505,670 | 5,045 |
| Average earning assets | $35,211,670 | 5,022 |
| Average equity | $6,616,330 | 4,766 |
| Average total loans | $7,227,000 | 5,230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0828% | 5,246 |
| Cost of funding earning assets | 0.4950% | 4,082 |
| Net interest margin | 2.5878% | 5,144 |
| Noninterest income to average assets | 0.1352% | 4,922 |
| Noninterest expense to average assets | 1.5287% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9983% | 2,848 |
| Return on assets (ROA) | 0.9983% | 2,886 |
| Pretax return on assets | 0.9983% | 3,442 |
| Return on Equity (ROE) | 5.8041% | 4,079 |
| Retained earnings to average equity (ytd only) | -14.4498% | 5,197 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4938% | 3,742 |
| Assets per employee ($millions) | 7.4856% | 824 |
| Cash dividends to net income (ytd only)* | 348.9583% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5171% | 7 |
| Loan loss allowance to noncurrent loans | 371.5847% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,659 |
| Noncurrent loans to loans | 2.5612% | 502 |
| Net loans and leases to total assets | 17.2732% | 5,278 |
| Net loans and leases to deposits | 21.1655% | 5,275 |
| Net loans and leases to core deposits | 21.5896% | 5,276 |
| Total domestic deposits to total assets | 81.6100% | 3,828 |
| Equity capital to assets | 17.3533% | 413 |
| Core capital (leverage) ratio | 16.6109% | 465 |
| Tier 1 risk-based capital ratio | 95.5307% | 42 |
| Total risk-based capital ratio | 96.8833% | 42 |
| Memoranda: | ||
| Average total assets | $38,464,500 | 5,081 |
| Average earning assets | $35,552,000 | 5,069 |
| Average equity | $6,616,000 | 4,803 |
| Average total loans | $7,311,000 | 5,288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5394% | 5,339 |
| Cost of funding earning assets | 0.3300% | 4,409 |
| Net interest margin | 2.2093% | 5,302 |
| Noninterest income to average assets | 0.1124% | 5,111 |
| Noninterest expense to average assets | 1.2943% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8420% | 3,638 |
| Return on assets (ROA) | 0.8420% | 3,638 |
| Pretax return on assets | 0.8420% | 4,064 |
| Return on Equity (ROE) | 5.1144% | 4,430 |
| Retained earnings to average equity (ytd only) | 1.5176% | 4,525 |
| Net charge-offs to loans | -0.0133% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5848% | 3,766 |
| Assets per employee ($millions) | 7.9002% | 684 |
| Cash dividends to net income (ytd only)* | 70.3264% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0812% | 8 |
| Loan loss allowance to noncurrent loans | 257.1970% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 2,052 |
| Noncurrent loans to loans | 3.5308% | 249 |
| Net loans and leases to total assets | 17.2097% | 5,324 |
| Net loans and leases to deposits | 20.7674% | 5,322 |
| Net loans and leases to core deposits | 21.1552% | 5,321 |
| Total domestic deposits to total assets | 82.8688% | 3,372 |
| Equity capital to assets | 17.0553% | 414 |
| Core capital (leverage) ratio | 17.9864% | 329 |
| Tier 1 risk-based capital ratio | 72.3009% | 61 |
| Total risk-based capital ratio | 73.6209% | 61 |
| Memoranda: | ||
| Average total assets | $40,021,400 | 5,099 |
| Average earning assets | $36,662,400 | 5,094 |
| Average equity | $6,589,200 | 4,814 |
| Average total loans | $7,523,200 | 5,333 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5058% | 5,410 |
| Cost of funding earning assets | 0.2880% | 4,597 |
| Net interest margin | 2.2177% | 5,379 |
| Noninterest income to average assets | 0.1129% | 5,162 |
| Noninterest expense to average assets | 1.3415% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8169% | 3,854 |
| Return on assets (ROA) | 0.8169% | 3,864 |
| Pretax return on assets | 0.8169% | 4,250 |
| Return on Equity (ROE) | 5.0058% | 4,559 |
| Retained earnings to average equity (ytd only) | 0.1831% | 5,006 |
| Net charge-offs to loans | -0.0177% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1538% | 3,489 |
| Assets per employee ($millions) | 7.4172% | 802 |
| Cash dividends to net income (ytd only)* | 96.3414% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6784% | 9 |
| Loan loss allowance to noncurrent loans | 239.9293% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,948 |
| Noncurrent loans to loans | 3.6171% | 256 |
| Net loans and leases to total assets | 19.2660% | 5,384 |
| Net loans and leases to deposits | 23.5157% | 5,383 |
| Net loans and leases to core deposits | 23.9894% | 5,385 |
| Total domestic deposits to total assets | 81.9285% | 3,634 |
| Equity capital to assets | 17.8666% | 347 |
| Core capital (leverage) ratio | 17.5157% | 372 |
| Tier 1 risk-based capital ratio | 78.1055% | 51 |
| Total risk-based capital ratio | 79.4335% | 51 |
| Memoranda: | ||
| Average total assets | $40,151,500 | 5,161 |
| Average earning assets | $37,034,000 | 5,153 |
| Average equity | $6,552,250 | 4,872 |
| Average total loans | $7,534,750 | 5,403 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3862% | 5,483 |
| Cost of funding earning assets | 0.2517% | 4,738 |
| Net interest margin | 2.1345% | 5,453 |
| Noninterest income to average assets | 0.1117% | 5,225 |
| Noninterest expense to average assets | 1.3067% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7821% | 3,918 |
| Return on assets (ROA) | 0.7821% | 3,917 |
| Pretax return on assets | 0.7821% | 4,301 |
| Return on Equity (ROE) | 4.9328% | 4,569 |
| Retained earnings to average equity (ytd only) | -2.3285% | 5,175 |
| Net charge-offs to loans | -0.0269% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5581% | 3,553 |
| Assets per employee ($millions) | 7.8842% | 652 |
| Cash dividends to net income (ytd only)* | 147.2050% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9744% | 7 |
| Loan loss allowance to noncurrent loans | 237.4126% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,063 |
| Noncurrent loans to loans | 3.7801% | 244 |
| Net loans and leases to total assets | 17.4704% | 5,457 |
| Net loans and leases to deposits | 20.9758% | 5,460 |
| Net loans and leases to core deposits | 21.3663% | 5,457 |
| Total domestic deposits to total assets | 83.2881% | 3,332 |
| Equity capital to assets | 16.5622% | 442 |
| Core capital (leverage) ratio | 16.1573% | 475 |
| Tier 1 risk-based capital ratio | 82.2077% | 55 |
| Total risk-based capital ratio | 83.5359% | 55 |
| Memoranda: | ||
| Average total assets | $41,173,330 | 5,203 |
| Average earning assets | $38,136,000 | 5,196 |
| Average equity | $6,527,670 | 4,925 |
| Average total loans | $7,438,330 | 5,465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2582% | 5,553 |
| Cost of funding earning assets | 0.2185% | 4,903 |
| Net interest margin | 2.0397% | 5,534 |
| Noninterest income to average assets | 0.1046% | 5,309 |
| Noninterest expense to average assets | 1.3127% | 5,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6564% | 4,255 |
| Return on assets (ROA) | 0.6564% | 4,266 |
| Pretax return on assets | 0.6564% | 4,555 |
| Return on Equity (ROE) | 4.2286% | 4,707 |
| Retained earnings to average equity (ytd only) | -10.2957% | 5,381 |
| Net charge-offs to loans | -0.0542% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,051 |
| Assets per employee ($millions) | 8.4296% | 538 |
| Cash dividends to net income (ytd only)* | 343.4783% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1645% | 9 |
| Loan loss allowance to noncurrent loans | 239.9293% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,319 |
| Noncurrent loans to loans | 3.8197% | 268 |
| Net loans and leases to total assets | 15.9675% | 5,527 |
| Net loans and leases to deposits | 18.8637% | 5,525 |
| Net loans and leases to core deposits | 19.1864% | 5,527 |
| Total domestic deposits to total assets | 84.6470% | 3,049 |
| Equity capital to assets | 15.2605% | 616 |
| Core capital (leverage) ratio | 15.9933% | 489 |
| Tier 1 risk-based capital ratio | 74.4990% | 58 |
| Total risk-based capital ratio | 75.8235% | 58 |
| Memoranda: | ||
| Average total assets | $42,049,500 | 5,249 |
| Average earning assets | $38,437,000 | 5,249 |
| Average equity | $6,527,000 | 4,974 |
| Average total loans | $7,374,500 | 5,529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0590% | 5,606 |
| Cost of funding earning assets | 0.1750% | 5,123 |
| Net interest margin | 1.8840% | 5,591 |
| Noninterest income to average assets | 0.1161% | 5,352 |
| Noninterest expense to average assets | 1.1039% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7462% | 3,406 |
| Return on assets (ROA) | 0.7462% | 3,444 |
| Pretax return on assets | 0.7462% | 4,397 |
| Return on Equity (ROE) | 4.8725% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.8725% | 2,207 |
| Net charge-offs to loans | 0.2938% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.3182% | 2,335 |
| Efficiency ratio | 59.6671% | 4,310 |
| Assets per employee ($millions) | 8.3902% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2371% | 5 |
| Loan loss allowance to noncurrent loans | 779.3103% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,100 |
| Noncurrent loans to loans | 1.1853% | 1,499 |
| Net loans and leases to total assets | 15.8804% | 5,596 |
| Net loans and leases to deposits | 18.8693% | 5,598 |
| Net loans and leases to core deposits | 19.1955% | 5,598 |
| Total domestic deposits to total assets | 84.1601% | 3,142 |
| Equity capital to assets | 15.7851% | 539 |
| Core capital (leverage) ratio | 16.2457% | 443 |
| Tier 1 risk-based capital ratio | 76.6663% | 53 |
| Total risk-based capital ratio | 77.9947% | 52 |
| Memoranda: | ||
| Average total assets | $42,213,200 | 5,301 |
| Average earning assets | $38,853,200 | 5,292 |
| Average equity | $6,464,800 | 5,030 |
| Average total loans | $7,488,600 | 5,587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0253% | 5,677 |
| Cost of funding earning assets | 0.1673% | 5,213 |
| Net interest margin | 1.8580% | 5,664 |
| Noninterest income to average assets | 0.1198% | 5,398 |
| Noninterest expense to average assets | 1.1668% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6686% | 4,127 |
| Return on assets (ROA) | 0.6686% | 4,186 |
| Pretax return on assets | 0.6686% | 4,683 |
| Return on Equity (ROE) | 4.3990% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.3990% | 3,278 |
| Net charge-offs to loans | 0.3189% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.7775% | 2,477 |
| Efficiency ratio | 63.5739% | 3,634 |
| Assets per employee ($millions) | 8.0052% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0212% | 5 |
| Loan loss allowance to noncurrent loans | 783.9080% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,193 |
| Noncurrent loans to loans | 1.1508% | 1,665 |
| Net loans and leases to total assets | 17.1838% | 5,655 |
| Net loans and leases to deposits | 20.5928% | 5,655 |
| Net loans and leases to core deposits | 20.9695% | 5,654 |
| Total domestic deposits to total assets | 83.4458% | 3,309 |
| Equity capital to assets | 16.3694% | 496 |
| Core capital (leverage) ratio | 16.1613% | 471 |
| Tier 1 risk-based capital ratio | 73.2429% | 58 |
| Total risk-based capital ratio | 74.5656% | 58 |
| Memoranda: | ||
| Average total assets | $42,278,750 | 5,358 |
| Average earning assets | $39,038,000 | 5,347 |
| Average equity | $6,425,500 | 5,092 |
| Average total loans | $7,525,750 | 5,648 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8727% | 5,739 |
| Cost of funding earning assets | 0.1652% | 5,240 |
| Net interest margin | 1.7074% | 5,727 |
| Noninterest income to average assets | 0.1208% | 5,447 |
| Noninterest expense to average assets | 1.1620% | 5,709 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5438% | 4,553 |
| Return on assets (ROA) | 0.5438% | 4,588 |
| Pretax return on assets | 0.5438% | 4,921 |
| Return on Equity (ROE) | 3.6658% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.6658% | 3,521 |
| Net charge-offs to loans | 0.4791% | 413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,704 |
| Efficiency ratio | 68.1199% | 2,990 |
| Assets per employee ($millions) | 8.2834% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8422% | 6 |
| Loan loss allowance to noncurrent loans | 608.9286% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 4,042 |
| Noncurrent loans to loans | 1.4521% | 1,305 |
| Net loans and leases to total assets | 16.9761% | 5,702 |
| Net loans and leases to deposits | 20.1334% | 5,705 |
| Net loans and leases to core deposits | 20.4854% | 5,704 |
| Total domestic deposits to total assets | 84.3180% | 3,080 |
| Equity capital to assets | 15.5323% | 607 |
| Core capital (leverage) ratio | 14.9237% | 648 |
| Tier 1 risk-based capital ratio | 73.0542% | 57 |
| Total risk-based capital ratio | 74.3817% | 57 |
| Memoranda: | ||
| Average total assets | $43,029,670 | 5,392 |
| Average earning assets | $39,943,330 | 5,372 |
| Average equity | $6,383,330 | 5,128 |
| Average total loans | $7,514,330 | 5,699 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8394% | 5,811 |
| Cost of funding earning assets | 0.1582% | 5,314 |
| Net interest margin | 1.6812% | 5,798 |
| Noninterest income to average assets | 0.1277% | 5,481 |
| Noninterest expense to average assets | 1.1132% | 5,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5657% | 4,301 |
| Return on assets (ROA) | 0.5657% | 4,347 |
| Pretax return on assets | 0.5657% | 4,804 |
| Return on Equity (ROE) | 3.9003% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.9003% | 3,501 |
| Net charge-offs to loans | 0.9710% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 2,484 |
| Efficiency ratio | 66.3043% | 3,446 |
| Assets per employee ($millions) | 8.8514% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4413% | 6 |
| Loan loss allowance to noncurrent loans | 661.1650% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 4,290 |
| Noncurrent loans to loans | 1.4280% | 1,414 |
| Net loans and leases to total assets | 14.7592% | 5,787 |
| Net loans and leases to deposits | 17.2676% | 5,784 |
| Net loans and leases to core deposits | 17.5459% | 5,784 |
| Total domestic deposits to total assets | 85.4735% | 2,893 |
| Equity capital to assets | 14.4316% | 779 |
| Core capital (leverage) ratio | 15.4619% | 532 |
| Tier 1 risk-based capital ratio | 72.7656% | 61 |
| Total risk-based capital ratio | 74.0880% | 61 |
| Memoranda: | ||
| Average total assets | $43,836,000 | 5,427 |
| Average earning assets | $40,448,000 | 5,419 |
| Average equity | $6,358,500 | 5,184 |
| Average total loans | $7,415,000 | 5,766 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7295% | 5,860 |
| Cost of funding earning assets | 0.1922% | 5,095 |
| Net interest margin | 1.5374% | 5,851 |
| Noninterest income to average assets | 0.1440% | 5,475 |
| Noninterest expense to average assets | 1.2678% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2752% | 5,277 |
| Return on assets (ROA) | 0.2752% | 5,343 |
| Pretax return on assets | 0.2752% | 5,396 |
| Return on Equity (ROE) | 1.7034% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.7034% | 4,561 |
| Net charge-offs to loans | 0.8188% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.7833% | 3,942 |
| Efficiency ratio | 82.1667% | 1,185 |
| Assets per employee ($millions) | 8.6830% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1900% | 6 |
| Loan loss allowance to noncurrent loans | 569.1057% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 4,139 |
| Noncurrent loans to loans | 1.6148% | 1,213 |
| Net loans and leases to total assets | 15.9323% | 5,836 |
| Net loans and leases to deposits | 18.6648% | 5,838 |
| Net loans and leases to core deposits | 19.1294% | 5,838 |
| Total domestic deposits to total assets | 85.3599% | 2,899 |
| Equity capital to assets | 14.5802% | 712 |
| Core capital (leverage) ratio | 15.4940% | 530 |
| Tier 1 risk-based capital ratio | 57.7088% | 96 |
| Total risk-based capital ratio | 59.0141% | 93 |
| Memoranda: | ||
| Average total assets | $38,885,600 | 5,563 |
| Average earning assets | $35,385,000 | 5,555 |
| Average equity | $6,281,400 | 5,232 |
| Average total loans | $7,328,000 | 5,827 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7464% | 5,926 |
| Cost of funding earning assets | 0.1988% | 5,083 |
| Net interest margin | 1.5476% | 5,921 |
| Noninterest income to average assets | 0.1519% | 5,509 |
| Noninterest expense to average assets | 1.3561% | 5,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1978% | 5,466 |
| Return on assets (ROA) | 0.1978% | 5,531 |
| Pretax return on assets | 0.1978% | 5,571 |
| Return on Equity (ROE) | 1.1909% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.1909% | 5,033 |
| Net charge-offs to loans | 0.9923% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.0369% | 3,736 |
| Efficiency ratio | 87.2727% | 720 |
| Assets per employee ($millions) | 7.9698% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7608% | 6 |
| Loan loss allowance to noncurrent loans | 1,157.3770% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,829 |
| Noncurrent loans to loans | 0.8434% | 2,573 |
| Net loans and leases to total assets | 16.3793% | 5,900 |
| Net loans and leases to deposits | 19.5075% | 5,904 |
| Net loans and leases to core deposits | 20.0467% | 5,900 |
| Total domestic deposits to total assets | 83.9645% | 3,219 |
| Equity capital to assets | 15.8172% | 582 |
| Core capital (leverage) ratio | 17.4946% | 332 |
| Tier 1 risk-based capital ratio | 81.3067% | 53 |
| Total risk-based capital ratio | 82.6419% | 54 |
| Memoranda: | ||
| Average total assets | $37,753,250 | 5,637 |
| Average earning assets | $34,203,000 | 5,640 |
| Average equity | $6,269,250 | 5,289 |
| Average total loans | $7,255,750 | 5,890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8058% | 6,005 |
| Cost of funding earning assets | 0.2033% | 5,111 |
| Net interest margin | 1.6025% | 5,995 |
| Noninterest income to average assets | 0.1619% | 5,510 |
| Noninterest expense to average assets | 1.4141% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1943% | 5,532 |
| Return on assets (ROA) | 0.1943% | 5,589 |
| Pretax return on assets | 0.1943% | 5,626 |
| Return on Equity (ROE) | 1.1505% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.1505% | 4,919 |
| Net charge-offs to loans | 1.6246% | 86 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.6102% | 3,506 |
| Efficiency ratio | 87.9195% | 728 |
| Assets per employee ($millions) | 7.1928% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0428% | 6 |
| Loan loss allowance to noncurrent loans | 1,402.0000% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 4,955 |
| Noncurrent loans to loans | 0.6450% | 3,141 |
| Net loans and leases to total assets | 19.6057% | 5,941 |
| Net loans and leases to deposits | 23.8177% | 5,945 |
| Net loans and leases to core deposits | 24.5645% | 5,949 |
| Total domestic deposits to total assets | 82.3156% | 3,902 |
| Equity capital to assets | 17.4981% | 379 |
| Core capital (leverage) ratio | 17.0969% | 358 |
| Tier 1 risk-based capital ratio | 75.7267% | 57 |
| Total risk-based capital ratio | 77.0591% | 57 |
| Memoranda: | ||
| Average total assets | $37,054,670 | 5,721 |
| Average earning assets | $33,448,670 | 5,721 |
| Average equity | $6,258,000 | 5,337 |
| Average total loans | $7,263,330 | 5,966 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7660% | 6,069 |
| Cost of funding earning assets | 0.2133% | 5,070 |
| Net interest margin | 1.5527% | 6,062 |
| Noninterest income to average assets | 0.1702% | 5,474 |
| Noninterest expense to average assets | 1.5426% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0213% | 5,768 |
| Return on assets (ROA) | 0.0213% | 5,798 |
| Pretax return on assets | 0.0213% | 5,795 |
| Return on Equity (ROE) | 0.1282% | 5,800 |
| Retained earnings to average equity (ytd only) | 0.1282% | 5,076 |
| Net charge-offs to loans | 0.1140% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,870 |
| Efficiency ratio | 98.6395% | 326 |
| Assets per employee ($millions) | 7.4452% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7047% | 3 |
| Loan loss allowance to noncurrent loans | 1,203.1746% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 4,890 |
| Noncurrent loans to loans | 0.8897% | 2,621 |
| Net loans and leases to total assets | 16.9854% | 6,025 |
| Net loans and leases to deposits | 20.4469% | 6,026 |
| Net loans and leases to core deposits | 21.0598% | 6,027 |
| Total domestic deposits to total assets | 83.0710% | 3,869 |
| Equity capital to assets | 16.8001% | 438 |
| Core capital (leverage) ratio | 16.8309% | 384 |
| Tier 1 risk-based capital ratio | 80.6460% | 53 |
| Total risk-based capital ratio | 81.9951% | 53 |
| Memoranda: | ||
| Average total assets | $37,600,000 | 5,766 |
| Average earning assets | $33,748,500 | 5,770 |
| Average equity | $6,240,500 | 5,376 |
| Average total loans | $7,019,000 | 6,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6029% | 6,118 |
| Cost of funding earning assets | 0.2182% | 5,112 |
| Net interest margin | 1.3847% | 6,116 |
| Noninterest income to average assets | 0.1440% | 5,694 |
| Noninterest expense to average assets | 1.4479% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0625% | 5,909 |
| Return on assets (ROA) | -0.0625% | 5,929 |
| Pretax return on assets | -0.0625% | 5,915 |
| Return on Equity (ROE) | -0.3674% | 5,912 |
| Retained earnings to average equity (ytd only) | -0.4792% | 5,587 |
| Net charge-offs to loans | -0.3996% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5098% | 204 |
| Assets per employee ($millions) | 7.5948% | 663 |
| Cash dividends to net income (ytd only)* | -30.4348% | 6,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9242% | 3 |
| Loan loss allowance to noncurrent loans | 791.6667% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,580 |
| Noncurrent loans to loans | 1.3799% | 1,701 |
| Net loans and leases to total assets | 16.3191% | 6,093 |
| Net loans and leases to deposits | 19.5378% | 6,099 |
| Net loans and leases to core deposits | 20.1084% | 6,096 |
| Total domestic deposits to total assets | 83.5256% | 3,656 |
| Equity capital to assets | 16.3981% | 479 |
| Core capital (leverage) ratio | 17.0363% | 362 |
| Tier 1 risk-based capital ratio | 78.2029% | 55 |
| Total risk-based capital ratio | 79.5495% | 54 |
| Memoranda: | ||
| Average total assets | $36,813,000 | 5,833 |
| Average earning assets | $33,003,000 | 5,834 |
| Average equity | $6,260,000 | 5,382 |
| Average total loans | $6,256,600 | 6,098 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5951% | 6,216 |
| Cost of funding earning assets | 0.2227% | 5,156 |
| Net interest margin | 1.3724% | 6,212 |
| Noninterest income to average assets | 0.1424% | 5,768 |
| Noninterest expense to average assets | 1.5515% | 6,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1716% | 6,036 |
| Return on assets (ROA) | -0.1716% | 6,050 |
| Pretax return on assets | -0.1716% | 6,040 |
| Return on Equity (ROE) | -0.9998% | 6,025 |
| Retained earnings to average equity (ytd only) | -1.1486% | 5,773 |
| Net charge-offs to loans | -0.1097% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4339% | 129 |
| Assets per employee ($millions) | 7.0594% | 846 |
| Cash dividends to net income (ytd only)* | -14.8875% | 6,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6738% | 3 |
| Loan loss allowance to noncurrent loans | 1,193.5484% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 5,048 |
| Noncurrent loans to loans | 0.9781% | 2,538 |
| Net loans and leases to total assets | 15.8625% | 6,185 |
| Net loans and leases to deposits | 19.3409% | 6,187 |
| Net loans and leases to core deposits | 19.9615% | 6,185 |
| Total domestic deposits to total assets | 82.0155% | 4,152 |
| Equity capital to assets | 17.6871% | 369 |
| Core capital (leverage) ratio | 17.5974% | 324 |
| Tier 1 risk-based capital ratio | 87.3959% | 49 |
| Total risk-based capital ratio | 88.7509% | 48 |
| Memoranda: | ||
| Average total assets | $36,522,750 | 5,916 |
| Average earning assets | $32,933,750 | 5,915 |
| Average equity | $6,268,250 | 5,443 |
| Average total loans | $6,081,500 | 6,184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5799% | 6,294 |
| Cost of funding earning assets | 0.2223% | 5,235 |
| Net interest margin | 1.3576% | 6,287 |
| Noninterest income to average assets | 0.1354% | 5,881 |
| Noninterest expense to average assets | 1.4243% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0650% | 6,035 |
| Return on assets (ROA) | -0.0650% | 6,065 |
| Pretax return on assets | -0.0650% | 6,055 |
| Return on Equity (ROE) | -0.3824% | 6,051 |
| Retained earnings to average equity (ytd only) | -0.6054% | 5,631 |
| Net charge-offs to loans | -0.1001% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7809% | 239 |
| Assets per employee ($millions) | 6.0037% | 1,350 |
| Cash dividends to net income (ytd only)* | -58.3333% | 6,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3763% | 4 |
| Loan loss allowance to noncurrent loans | 1,153.1250% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 5,155 |
| Noncurrent loans to loans | 1.0733% | 2,498 |
| Net loans and leases to total assets | 14.5050% | 6,269 |
| Net loans and leases to deposits | 17.6056% | 6,271 |
| Net loans and leases to core deposits | 18.1562% | 6,267 |
| Total domestic deposits to total assets | 82.3885% | 4,155 |
| Equity capital to assets | 17.4116% | 384 |
| Core capital (leverage) ratio | 16.6854% | 389 |
| Tier 1 risk-based capital ratio | 94.8218% | 48 |
| Total risk-based capital ratio | 96.1925% | 48 |
| Memoranda: | ||
| Average total assets | $36,931,330 | 5,972 |
| Average earning assets | $33,293,000 | 5,970 |
| Average equity | $6,276,670 | 5,489 |
| Average total loans | $5,995,670 | 6,261 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5825% | 6,360 |
| Cost of funding earning assets | 0.2261% | 5,258 |
| Net interest margin | 1.3565% | 6,360 |
| Noninterest income to average assets | 0.1284% | 5,957 |
| Noninterest expense to average assets | 1.3588% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0107% | 6,026 |
| Return on assets (ROA) | -0.0107% | 6,066 |
| Pretax return on assets | -0.0107% | 6,058 |
| Return on Equity (ROE) | -0.0637% | 6,065 |
| Retained earnings to average equity (ytd only) | -0.5096% | 5,470 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7937% | 350 |
| Assets per employee ($millions) | 7.4918% | 673 |
| Cash dividends to net income (ytd only)* | -700.0000% | 6,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7534% | 5 |
| Loan loss allowance to noncurrent loans | 855.8140% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 5,016 |
| Noncurrent loans to loans | 1.4902% | 1,899 |
| Net loans and leases to total assets | 13.4414% | 6,340 |
| Net loans and leases to deposits | 16.1897% | 6,341 |
| Net loans and leases to core deposits | 16.6722% | 6,337 |
| Total domestic deposits to total assets | 83.0241% | 4,172 |
| Equity capital to assets | 16.8184% | 454 |
| Core capital (leverage) ratio | 16.6267% | 398 |
| Tier 1 risk-based capital ratio | 94.7440% | 56 |
| Total risk-based capital ratio | 96.1112% | 58 |
| Memoranda: | ||
| Average total assets | $37,386,000 | 6,020 |
| Average earning assets | $33,617,000 | 6,024 |
| Average equity | $6,279,000 | 5,537 |
| Average total loans | $6,012,000 | 6,326 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5701% | 6,448 |
| Cost of funding earning assets | 0.2302% | 5,522 |
| Net interest margin | 1.3399% | 6,446 |
| Noninterest income to average assets | 0.1660% | 5,868 |
| Noninterest expense to average assets | 1.3390% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0428% | 6,034 |
| Return on assets (ROA) | 0.0428% | 6,060 |
| Pretax return on assets | 0.0428% | 6,051 |
| Return on Equity (ROE) | 0.2567% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.2567% | 5,664 |
| Net charge-offs to loans | -0.1440% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8992% | 472 |
| Assets per employee ($millions) | 7.4626% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7544% | 4 |
| Loan loss allowance to noncurrent loans | 1,531.2500% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 5,518 |
| Noncurrent loans to loans | 0.7676% | 3,397 |
| Net loans and leases to total assets | 14.7884% | 6,422 |
| Net loans and leases to deposits | 17.7885% | 6,425 |
| Net loans and leases to core deposits | 18.3201% | 6,419 |
| Total domestic deposits to total assets | 83.1346% | 4,028 |
| Equity capital to assets | 16.7716% | 442 |
| Core capital (leverage) ratio | 17.5362% | 322 |
| Tier 1 risk-based capital ratio | 88.5062% | 52 |
| Total risk-based capital ratio | 89.8668% | 52 |
| Memoranda: | ||
| Average total assets | $37,340,200 | 6,094 |
| Average earning assets | $33,882,800 | 6,096 |
| Average equity | $6,233,800 | 5,574 |
| Average total loans | $6,249,400 | 6,414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5644% | 6,532 |
| Cost of funding earning assets | 0.2398% | 5,514 |
| Net interest margin | 1.3246% | 6,532 |
| Noninterest income to average assets | 0.1714% | 5,899 |
| Noninterest expense to average assets | 1.4173% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0428% | 6,176 |
| Return on assets (ROA) | -0.0428% | 6,183 |
| Pretax return on assets | -0.0428% | 6,172 |
| Return on Equity (ROE) | -0.2569% | 6,176 |
| Retained earnings to average equity (ytd only) | -0.2569% | 5,845 |
| Net charge-offs to loans | -0.1280% | 6,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1169% | 308 |
| Assets per employee ($millions) | 7.0376% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3612% | 6 |
| Loan loss allowance to noncurrent loans | 1,702.3256% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 5,682 |
| Noncurrent loans to loans | 0.6674% | 3,940 |
| Net loans and leases to total assets | 16.2300% | 6,495 |
| Net loans and leases to deposits | 19.7777% | 6,490 |
| Net loans and leases to core deposits | 20.4139% | 6,489 |
| Total domestic deposits to total assets | 82.0621% | 4,458 |
| Equity capital to assets | 17.6765% | 361 |
| Core capital (leverage) ratio | 16.7286% | 399 |
| Tier 1 risk-based capital ratio | 89.4146% | 51 |
| Total risk-based capital ratio | 90.7810% | 51 |
| Memoranda: | ||
| Average total assets | $37,347,000 | 6,173 |
| Average earning assets | $33,920,000 | 6,169 |
| Average equity | $6,227,750 | 5,636 |
| Average total loans | $6,248,500 | 6,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5032% | 6,602 |
| Cost of funding earning assets | 0.2313% | 5,651 |
| Net interest margin | 1.2719% | 6,603 |
| Noninterest income to average assets | 0.1629% | 5,977 |
| Noninterest expense to average assets | 1.4448% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1261% | 6,273 |
| Return on assets (ROA) | -0.1261% | 6,286 |
| Pretax return on assets | -0.1261% | 6,275 |
| Return on Equity (ROE) | -0.7704% | 6,258 |
| Retained earnings to average equity (ytd only) | -0.7704% | 5,820 |
| Net charge-offs to loans | -0.0970% | 6,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5618% | 238 |
| Assets per employee ($millions) | 7.6748% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6472% | 2 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 5,869 |
| Noncurrent loans to loans | 0.5752% | 4,296 |
| Net loans and leases to total assets | 14.4108% | 6,569 |
| Net loans and leases to deposits | 17.2403% | 6,575 |
| Net loans and leases to core deposits | 17.7380% | 6,568 |
| Total domestic deposits to total assets | 83.5878% | 4,078 |
| Equity capital to assets | 16.2141% | 516 |
| Core capital (leverage) ratio | 16.2776% | 439 |
| Tier 1 risk-based capital ratio | 90.1642% | 51 |
| Total risk-based capital ratio | 91.5299% | 51 |
| Memoranda: | ||
| Average total assets | $38,066,670 | 6,215 |
| Average earning assets | $34,594,000 | 6,206 |
| Average equity | $6,230,330 | 5,671 |
| Average total loans | $6,183,670 | 6,556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4828% | 6,677 |
| Cost of funding earning assets | 0.2317% | 5,737 |
| Net interest margin | 1.2511% | 6,681 |
| Noninterest income to average assets | 0.1583% | 6,020 |
| Noninterest expense to average assets | 1.4032% | 6,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1055% | 6,287 |
| Return on assets (ROA) | -0.1055% | 6,298 |
| Pretax return on assets | -0.1055% | 6,288 |
| Return on Equity (ROE) | -0.6416% | 6,268 |
| Retained earnings to average equity (ytd only) | -0.6416% | 5,670 |
| Net charge-offs to loans | -0.1952% | 6,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1301% | 296 |
| Assets per employee ($millions) | 7.6290% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3165% | 3 |
| Loan loss allowance to noncurrent loans | 1,089.5522% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 5,703 |
| Noncurrent loans to loans | 1.1304% | 3,164 |
| Net loans and leases to total assets | 13.6243% | 6,645 |
| Net loans and leases to deposits | 16.3018% | 6,647 |
| Net loans and leases to core deposits | 16.6145% | 6,641 |
| Total domestic deposits to total assets | 83.5758% | 4,429 |
| Equity capital to assets | 16.3167% | 481 |
| Core capital (leverage) ratio | 16.8222% | 383 |
| Tier 1 risk-based capital ratio | 87.9011% | 57 |
| Total risk-based capital ratio | 89.2580% | 57 |
| Memoranda: | ||
| Average total assets | $37,913,000 | 6,287 |
| Average earning assets | $34,529,000 | 6,270 |
| Average equity | $6,234,500 | 5,703 |
| Average total loans | $6,146,000 | 6,624 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6259% | 6,740 |
| Cost of funding earning assets | 0.2834% | 5,734 |
| Net interest margin | 1.3425% | 6,738 |
| Noninterest income to average assets | 0.1832% | 5,992 |
| Noninterest expense to average assets | 1.4066% | 6,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0108% | 6,226 |
| Return on assets (ROA) | 0.1105% | 6,079 |
| Pretax return on assets | 0.1105% | 6,077 |
| Return on Equity (ROE) | 0.6535% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.6535% | 5,539 |
| Net charge-offs to loans | -0.0471% | 6,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7722% | 457 |
| Assets per employee ($millions) | 7.5362% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4061% | 5 |
| Loan loss allowance to noncurrent loans | 1,230.5085% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 5,848 |
| Noncurrent loans to loans | 0.9269% | 3,676 |
| Net loans and leases to total assets | 14.9651% | 6,719 |
| Net loans and leases to deposits | 17.9546% | 6,723 |
| Net loans and leases to core deposits | 18.4843% | 6,715 |
| Total domestic deposits to total assets | 83.3497% | 4,413 |
| Equity capital to assets | 16.5733% | 440 |
| Core capital (leverage) ratio | 17.1811% | 356 |
| Tier 1 risk-based capital ratio | 85.0259% | 56 |
| Total risk-based capital ratio | 86.3773% | 56 |
| Memoranda: | ||
| Average total assets | $37,111,200 | 6,360 |
| Average earning assets | $33,520,000 | 6,360 |
| Average equity | $6,273,800 | 5,749 |
| Average total loans | $6,367,400 | 6,706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6284% | 6,823 |
| Cost of funding earning assets | 0.2961% | 5,767 |
| Net interest margin | 1.3323% | 6,825 |
| Noninterest income to average assets | 0.1911% | 6,039 |
| Noninterest expense to average assets | 1.4967% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1046% | 6,384 |
| Return on assets (ROA) | 0.0577% | 6,264 |
| Pretax return on assets | 0.0577% | 6,252 |
| Return on Equity (ROE) | 0.3396% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.3396% | 5,831 |
| Net charge-offs to loans | -0.0419% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5130% | 304 |
| Assets per employee ($millions) | 5.8650% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1762% | 7 |
| Loan loss allowance to noncurrent loans | 1,812.5000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 6,093 |
| Noncurrent loans to loans | 0.6166% | 4,663 |
| Net loans and leases to total assets | 16.3740% | 6,787 |
| Net loans and leases to deposits | 19.9460% | 6,787 |
| Net loans and leases to core deposits | 20.5874% | 6,784 |
| Total domestic deposits to total assets | 82.0915% | 4,892 |
| Equity capital to assets | 17.6670% | 357 |
| Core capital (leverage) ratio | 16.8194% | 400 |
| Tier 1 risk-based capital ratio | 83.9854% | 53 |
| Total risk-based capital ratio | 85.3391% | 53 |
| Memoranda: | ||
| Average total assets | $36,968,750 | 6,433 |
| Average earning assets | $33,325,000 | 6,440 |
| Average equity | $6,281,000 | 5,817 |
| Average total loans | $6,368,000 | 6,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5979% | 6,875 |
| Cost of funding earning assets | 0.2959% | 5,859 |
| Net interest margin | 1.3020% | 6,876 |
| Noninterest income to average assets | 0.1970% | 6,026 |
| Noninterest expense to average assets | 1.4430% | 6,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0745% | 6,382 |
| Return on assets (ROA) | -0.0745% | 6,429 |
| Pretax return on assets | -0.0745% | 6,415 |
| Return on Equity (ROE) | -0.4443% | 6,409 |
| Retained earnings to average equity (ytd only) | -0.4443% | 5,947 |
| Net charge-offs to loans | -0.0632% | 6,347 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4475% | 357 |
| Assets per employee ($millions) | 6.3323% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4281% | 6 |
| Loan loss allowance to noncurrent loans | 1,510.4167% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,105 |
| Noncurrent loans to loans | 0.7566% | 4,408 |
| Net loans and leases to total assets | 14.7892% | 6,850 |
| Net loans and leases to deposits | 17.7597% | 6,852 |
| Net loans and leases to core deposits | 18.2797% | 6,847 |
| Total domestic deposits to total assets | 83.2737% | 4,601 |
| Equity capital to assets | 16.5473% | 465 |
| Core capital (leverage) ratio | 16.3450% | 431 |
| Tier 1 risk-based capital ratio | 50.1992% | 125 |
| Total risk-based capital ratio | 51.5083% | 124 |
| Memoranda: | ||
| Average total assets | $37,561,670 | 6,467 |
| Average earning assets | $33,793,670 | 6,472 |
| Average equity | $6,302,330 | 5,854 |
| Average total loans | $6,328,330 | 6,832 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5998% | 6,955 |
| Cost of funding earning assets | 0.3104% | 5,889 |
| Net interest margin | 1.2894% | 6,955 |
| Noninterest income to average assets | 0.1714% | 6,232 |
| Noninterest expense to average assets | 1.4138% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0857% | 6,426 |
| Return on assets (ROA) | -0.0857% | 6,480 |
| Pretax return on assets | -0.0857% | 6,475 |
| Return on Equity (ROE) | -0.5071% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.5071% | 5,883 |
| Net charge-offs to loans | -0.1266% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4516% | 384 |
| Assets per employee ($millions) | 6.2802% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6852% | 8 |
| Loan loss allowance to noncurrent loans | 497.2603% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 5,430 |
| Noncurrent loans to loans | 2.3499% | 2,216 |
| Net loans and leases to total assets | 14.5617% | 6,922 |
| Net loans and leases to deposits | 17.5069% | 6,926 |
| Net loans and leases to core deposits | 18.0244% | 6,923 |
| Total domestic deposits to total assets | 83.1772% | 4,801 |
| Equity capital to assets | 16.6981% | 461 |
| Core capital (leverage) ratio | 16.9579% | 358 |
| Tier 1 risk-based capital ratio | 50.7972% | 130 |
| Total risk-based capital ratio | 52.1039% | 130 |
| Memoranda: | ||
| Average total assets | $37,345,500 | 6,538 |
| Average earning assets | $33,504,500 | 6,542 |
| Average equity | $6,310,000 | 5,909 |
| Average total loans | $6,320,500 | 6,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7861% | 7,005 |
| Cost of funding earning assets | 0.4197% | 5,788 |
| Net interest margin | 1.3664% | 7,008 |
| Noninterest income to average assets | 0.2744% | 5,499 |
| Noninterest expense to average assets | 1.5218% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0226% | 6,201 |
| Return on assets (ROA) | -0.0226% | 6,325 |
| Pretax return on assets | -0.0226% | 6,305 |
| Return on Equity (ROE) | -0.1282% | 6,320 |
| Retained earnings to average equity (ytd only) | -0.1282% | 5,875 |
| Net charge-offs to loans | 0.3834% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 5,626 |
| Efficiency ratio | 101.5094% | 507 |
| Assets per employee ($millions) | 6.1683% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2632% | 11 |
| Loan loss allowance to noncurrent loans | 1,477.5510% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,235 |
| Noncurrent loans to loans | 0.7623% | 4,659 |
| Net loans and leases to total assets | 15.4121% | 6,978 |
| Net loans and leases to deposits | 18.6156% | 6,986 |
| Net loans and leases to core deposits | 19.1789% | 6,979 |
| Total domestic deposits to total assets | 82.7911% | 4,806 |
| Equity capital to assets | 17.0981% | 404 |
| Core capital (leverage) ratio | 17.5731% | 312 |
| Tier 1 risk-based capital ratio | 62.4798% | 90 |
| Total risk-based capital ratio | 63.8025% | 88 |
| Memoranda: | ||
| Average total assets | $35,352,800 | 6,619 |
| Average earning assets | $31,688,800 | 6,620 |
| Average equity | $6,240,600 | 5,953 |
| Average total loans | $6,260,400 | 6,970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8045% | 7,117 |
| Cost of funding earning assets | 0.4383% | 5,877 |
| Net interest margin | 1.3661% | 7,121 |
| Noninterest income to average assets | 0.2595% | 5,710 |
| Noninterest expense to average assets | 1.6104% | 6,868 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1259% | 6,427 |
| Return on assets (ROA) | -0.1259% | 6,513 |
| Pretax return on assets | -0.1259% | 6,496 |
| Return on Equity (ROE) | -0.7075% | 6,474 |
| Retained earnings to average equity (ytd only) | -0.7075% | 6,217 |
| Net charge-offs to loans | 0.4073% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.7371% | 5,633 |
| Efficiency ratio | 108.4833% | 332 |
| Assets per employee ($millions) | 4.8259% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4447% | 13 |
| Loan loss allowance to noncurrent loans | 856.4706% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 6,067 |
| Noncurrent loans to loans | 1.3363% | 3,798 |
| Net loans and leases to total assets | 16.6751% | 7,064 |
| Net loans and leases to deposits | 20.5224% | 7,069 |
| Net loans and leases to core deposits | 21.2182% | 7,068 |
| Total domestic deposits to total assets | 81.2528% | 5,280 |
| Equity capital to assets | 18.4601% | 330 |
| Core capital (leverage) ratio | 17.6752% | 318 |
| Tier 1 risk-based capital ratio | 67.6584% | 79 |
| Total risk-based capital ratio | 68.9867% | 76 |
| Memoranda: | ||
| Average total assets | $34,938,500 | 6,719 |
| Average earning assets | $31,329,000 | 6,712 |
| Average equity | $6,218,750 | 6,031 |
| Average total loans | $6,218,500 | 7,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8163% | 7,189 |
| Cost of funding earning assets | 0.4572% | 5,921 |
| Net interest margin | 1.3590% | 7,188 |
| Noninterest income to average assets | 0.2831% | 5,549 |
| Noninterest expense to average assets | 1.6306% | 6,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1359% | 6,468 |
| Return on assets (ROA) | -0.1359% | 6,562 |
| Pretax return on assets | -0.1359% | 6,543 |
| Return on Equity (ROE) | -0.7726% | 6,523 |
| Retained earnings to average equity (ytd only) | -0.7726% | 6,172 |
| Net charge-offs to loans | 0.6482% | 1,699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.2000% | 5,326 |
| Efficiency ratio | 109.0909% | 342 |
| Assets per employee ($millions) | 5.0629% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1213% | 13 |
| Loan loss allowance to noncurrent loans | 798.9011% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 6,130 |
| Noncurrent loans to loans | 1.3921% | 3,834 |
| Net loans and leases to total assets | 16.3939% | 7,128 |
| Net loans and leases to deposits | 19.9170% | 7,135 |
| Net loans and leases to core deposits | 20.5511% | 7,136 |
| Total domestic deposits to total assets | 82.3109% | 5,012 |
| Equity capital to assets | 17.4577% | 388 |
| Core capital (leverage) ratio | 20.9339% | 167 |
| Tier 1 risk-based capital ratio | 62.5114% | 87 |
| Total risk-based capital ratio | 63.8380% | 87 |
| Memoranda: | ||
| Average total assets | $35,324,330 | 6,758 |
| Average earning assets | $31,492,670 | 6,753 |
| Average equity | $6,213,000 | 6,059 |
| Average total loans | $6,171,000 | 7,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8949% | 7,245 |
| Cost of funding earning assets | 0.4737% | 5,989 |
| Net interest margin | 1.4212% | 7,245 |
| Noninterest income to average assets | 0.2042% | 6,164 |
| Noninterest expense to average assets | 1.5879% | 6,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1248% | 6,565 |
| Return on assets (ROA) | -0.1248% | 6,635 |
| Pretax return on assets | -0.1248% | 6,613 |
| Return on Equity (ROE) | -0.7067% | 6,603 |
| Retained earnings to average equity (ytd only) | -0.7067% | 6,113 |
| Net charge-offs to loans | -0.0668% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5271% | 362 |
| Assets per employee ($millions) | 5.1280% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6245% | 7 |
| Loan loss allowance to noncurrent loans | 1,226.2295% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,460 |
| Noncurrent loans to loans | 1.0295% | 4,628 |
| Net loans and leases to total assets | 14.4222% | 7,209 |
| Net loans and leases to deposits | 17.4751% | 7,212 |
| Net loans and leases to core deposits | 18.0226% | 7,212 |
| Total domestic deposits to total assets | 82.5301% | 5,115 |
| Equity capital to assets | 17.3195% | 393 |
| Core capital (leverage) ratio | 17.5619% | 321 |
| Tier 1 risk-based capital ratio | 80.9898% | 55 |
| Total risk-based capital ratio | 82.3514% | 55 |
| Memoranda: | ||
| Average total assets | $35,266,500 | 6,817 |
| Average earning assets | $31,241,500 | 6,812 |
| Average equity | $6,226,000 | 6,091 |
| Average total loans | $5,988,000 | 7,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1221% | 7,279 |
| Cost of funding earning assets | 0.6843% | 5,632 |
| Net interest margin | 1.4378% | 7,292 |
| Noninterest income to average assets | 0.2404% | 5,822 |
| Noninterest expense to average assets | 1.7006% | 7,055 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2256% | 6,280 |
| Return on assets (ROA) | -0.2256% | 6,347 |
| Pretax return on assets | -0.2256% | 6,301 |
| Return on Equity (ROE) | -1.1937% | 6,264 |
| Retained earnings to average equity (ytd only) | -4.4606% | 6,407 |
| Net charge-offs to loans | 0.1443% | 4,991 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -8.4444% | 6,387 |
| Efficiency ratio | 115.2918% | 351 |
| Assets per employee ($millions) | 4.9481% | 2,274 |
| Cash dividends to net income (ytd only)* | -273.6842% | 7,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3451% | 10 |
| Loan loss allowance to noncurrent loans | 685.3211% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 6,190 |
| Noncurrent loans to loans | 1.8014% | 3,467 |
| Net loans and leases to total assets | 15.3131% | 7,260 |
| Net loans and leases to deposits | 18.7077% | 7,263 |
| Net loans and leases to core deposits | 19.3210% | 7,255 |
| Total domestic deposits to total assets | 81.8547% | 5,177 |
| Equity capital to assets | 18.0010% | 349 |
| Core capital (leverage) ratio | 18.6458% | 265 |
| Tier 1 risk-based capital ratio | 84.1048% | 56 |
| Total risk-based capital ratio | 85.4622% | 56 |
| Memoranda: | ||
| Average total assets | $33,694,800 | 6,866 |
| Average earning assets | $28,933,400 | 6,904 |
| Average equity | $6,366,800 | 6,049 |
| Average total loans | $6,236,000 | 7,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2166% | 7,359 |
| Cost of funding earning assets | 0.7389% | 5,533 |
| Net interest margin | 1.4777% | 7,365 |
| Noninterest income to average assets | 0.2511% | 5,819 |
| Noninterest expense to average assets | 1.8011% | 6,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2909% | 6,475 |
| Return on assets (ROA) | -0.2909% | 6,543 |
| Pretax return on assets | -0.2909% | 6,486 |
| Return on Equity (ROE) | -1.5208% | 6,428 |
| Retained earnings to average equity (ytd only) | -5.8543% | 6,635 |
| Net charge-offs to loans | 0.2122% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -7.3016% | 6,120 |
| Efficiency ratio | 119.2612% | 314 |
| Assets per employee ($millions) | 4.6789% | 2,648 |
| Cash dividends to net income (ytd only)* | -284.9378% | 7,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5688% | 13 |
| Loan loss allowance to noncurrent loans | 704.7170% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 6,262 |
| Noncurrent loans to loans | 1.6416% | 3,830 |
| Net loans and leases to total assets | 17.4340% | 7,316 |
| Net loans and leases to deposits | 21.6394% | 7,310 |
| Net loans and leases to core deposits | 22.4036% | 7,310 |
| Total domestic deposits to total assets | 80.5661% | 5,583 |
| Equity capital to assets | 19.0859% | 312 |
| Core capital (leverage) ratio | 18.5666% | 282 |
| Tier 1 risk-based capital ratio | 78.2702% | 68 |
| Total risk-based capital ratio | 79.6212% | 68 |
| Memoranda: | ||
| Average total assets | $33,459,250 | 6,942 |
| Average earning assets | $28,511,750 | 6,979 |
| Average equity | $6,399,750 | 6,086 |
| Average total loans | $6,282,250 | 7,308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2876% | 7,433 |
| Cost of funding earning assets | 0.7508% | 5,663 |
| Net interest margin | 1.5368% | 7,439 |
| Noninterest income to average assets | 0.2374% | 5,956 |
| Noninterest expense to average assets | 1.8044% | 7,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2671% | 6,529 |
| Return on assets (ROA) | -0.2671% | 6,562 |
| Pretax return on assets | -0.2671% | 6,507 |
| Return on Equity (ROE) | -1.3955% | 6,454 |
| Retained earnings to average equity (ytd only) | -7.8458% | 6,769 |
| Net charge-offs to loans | 0.3213% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,789 |
| Efficiency ratio | 117.3745% | 370 |
| Assets per employee ($millions) | 4.8420% | 2,353 |
| Cash dividends to net income (ytd only)* | -462.2222% | 7,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4378% | 12 |
| Loan loss allowance to noncurrent loans | 858.6207% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 6,485 |
| Noncurrent loans to loans | 1.3321% | 4,426 |
| Net loans and leases to total assets | 17.0650% | 7,401 |
| Net loans and leases to deposits | 21.0144% | 7,399 |
| Net loans and leases to core deposits | 21.7248% | 7,396 |
| Total domestic deposits to total assets | 81.2061% | 5,456 |
| Equity capital to assets | 18.4929% | 345 |
| Core capital (leverage) ratio | 18.1445% | 319 |
| Tier 1 risk-based capital ratio | 77.7750% | 69 |
| Total risk-based capital ratio | 79.1235% | 68 |
| Memoranda: | ||
| Average total assets | $33,695,000 | 6,995 |
| Average earning assets | $28,501,330 | 7,045 |
| Average equity | $6,449,330 | 6,102 |
| Average total loans | $6,224,000 | 7,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3337% | 7,492 |
| Cost of funding earning assets | 0.7588% | 5,808 |
| Net interest margin | 1.5749% | 7,496 |
| Noninterest income to average assets | 0.2262% | 6,107 |
| Noninterest expense to average assets | 1.7502% | 7,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2143% | 6,576 |
| Return on assets (ROA) | -0.2143% | 6,589 |
| Pretax return on assets | -0.2143% | 6,548 |
| Return on Equity (ROE) | -1.1009% | 6,497 |
| Retained earnings to average equity (ytd only) | -1.1009% | 6,007 |
| Net charge-offs to loans | -0.0659% | 6,974 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9535% | 427 |
| Assets per employee ($millions) | 4.8399% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6398% | 11 |
| Loan loss allowance to noncurrent loans | 548.5507% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,187 |
| Noncurrent loans to loans | 2.3042% | 3,186 |
| Net loans and leases to total assets | 15.4432% | 7,471 |
| Net loans and leases to deposits | 19.1712% | 7,473 |
| Net loans and leases to core deposits | 19.8249% | 7,465 |
| Total domestic deposits to total assets | 80.5543% | 5,803 |
| Equity capital to assets | 19.2361% | 292 |
| Core capital (leverage) ratio | 19.2020% | 263 |
| Tier 1 risk-based capital ratio | 83.3076% | 67 |
| Total risk-based capital ratio | 84.6610% | 66 |
| Memoranda: | ||
| Average total assets | $33,595,500 | 7,050 |
| Average earning assets | $27,938,500 | 7,106 |
| Average equity | $6,540,000 | 6,078 |
| Average total loans | $6,070,500 | 7,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8297% | 7,514 |
| Cost of funding earning assets | 0.9231% | 6,058 |
| Net interest margin | 1.9066% | 7,481 |
| Noninterest income to average assets | 0.5133% | 4,069 |
| Noninterest expense to average assets | 1.8190% | 7,245 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3992% | 4,541 |
| Return on assets (ROA) | 0.3992% | 4,683 |
| Pretax return on assets | 0.3992% | 4,946 |
| Return on Equity (ROE) | 2.0219% | 5,369 |
| Retained earnings to average equity (ytd only) | -1.1402% | 5,824 |
| Net charge-offs to loans | 0.0805% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 26.6000% | 816 |
| Efficiency ratio | 82.0027% | 2,165 |
| Assets per employee ($millions) | 4.7589% | 2,471 |
| Cash dividends to net income (ytd only)* | 156.3910% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2887% | 13 |
| Loan loss allowance to noncurrent loans | 741.1765% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 6,477 |
| Noncurrent loans to loans | 1.6580% | 4,018 |
| Net loans and leases to total assets | 16.1984% | 7,551 |
| Net loans and leases to deposits | 20.2188% | 7,556 |
| Net loans and leases to core deposits | 20.9245% | 7,547 |
| Total domestic deposits to total assets | 80.1153% | 5,804 |
| Equity capital to assets | 19.7016% | 275 |
| Core capital (leverage) ratio | 19.5587% | 253 |
| Tier 1 risk-based capital ratio | 74.9046% | 70 |
| Total risk-based capital ratio | 76.2455% | 68 |
| Memoranda: | ||
| Average total assets | $33,314,600 | 7,105 |
| Average earning assets | $29,791,200 | 7,097 |
| Average equity | $6,578,000 | 6,175 |
| Average total loans | $6,211,400 | 7,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6764% | 7,663 |
| Cost of funding earning assets | 0.9372% | 6,237 |
| Net interest margin | 1.7392% | 7,635 |
| Noninterest income to average assets | 0.2681% | 5,975 |
| Noninterest expense to average assets | 1.8970% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0320% | 6,065 |
| Return on assets (ROA) | -0.0320% | 6,181 |
| Pretax return on assets | -0.0320% | 6,141 |
| Return on Equity (ROE) | -0.1621% | 6,156 |
| Retained earnings to average equity (ytd only) | -4.3756% | 6,504 |
| Net charge-offs to loans | 0.0214% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -8.0226% | 6,616 |
| Efficiency ratio | 101.7167% | 691 |
| Assets per employee ($millions) | 5.4325% | 1,692 |
| Cash dividends to net income (ytd only)* | -2,599.1565% | 7,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8168% | 13 |
| Loan loss allowance to noncurrent loans | 761.0000% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,620 |
| Noncurrent loans to loans | 1.5528% | 4,309 |
| Net loans and leases to total assets | 17.4229% | 7,643 |
| Net loans and leases to deposits | 21.8381% | 7,650 |
| Net loans and leases to core deposits | 22.6210% | 7,644 |
| Total domestic deposits to total assets | 79.7822% | 5,782 |
| Equity capital to assets | 19.8037% | 297 |
| Core capital (leverage) ratio | 18.9995% | 298 |
| Tier 1 risk-based capital ratio | 71.4898% | 81 |
| Total risk-based capital ratio | 72.8318% | 78 |
| Memoranda: | ||
| Average total assets | $33,315,250 | 7,193 |
| Average earning assets | $30,588,250 | 7,152 |
| Average equity | $6,581,750 | 6,246 |
| Average total loans | $6,226,250 | 7,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7083% | 7,736 |
| Cost of funding earning assets | 0.9348% | 6,442 |
| Net interest margin | 1.7735% | 7,700 |
| Noninterest income to average assets | 0.2742% | 5,960 |
| Noninterest expense to average assets | 1.8596% | 7,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0656% | 5,953 |
| Return on assets (ROA) | 0.0656% | 6,053 |
| Pretax return on assets | 0.0656% | 6,043 |
| Return on Equity (ROE) | 0.3321% | 6,124 |
| Retained earnings to average equity (ytd only) | -5.9481% | 6,653 |
| Net charge-offs to loans | 0.2600% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 4,452 |
| Efficiency ratio | 96.5944% | 939 |
| Assets per employee ($millions) | 4.6906% | 2,596 |
| Cash dividends to net income (ytd only)* | 1,890.9091% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0057% | 12 |
| Loan loss allowance to noncurrent loans | 2,353.1250% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 7,153 |
| Noncurrent loans to loans | 0.5102% | 6,231 |
| Net loans and leases to total assets | 16.8088% | 7,721 |
| Net loans and leases to deposits | 21.0392% | 7,724 |
| Net loans and leases to core deposits | 21.7867% | 7,716 |
| Total domestic deposits to total assets | 79.8928% | 5,759 |
| Equity capital to assets | 19.7082% | 301 |
| Core capital (leverage) ratio | 18.8435% | 301 |
| Tier 1 risk-based capital ratio | 73.0553% | 79 |
| Total risk-based capital ratio | 74.3996% | 78 |
| Memoranda: | ||
| Average total assets | $33,555,330 | 7,232 |
| Average earning assets | $31,237,670 | 7,182 |
| Average equity | $6,624,000 | 6,262 |
| Average total loans | $6,155,000 | 7,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5685% | 7,847 |
| Cost of funding earning assets | 0.9272% | 6,669 |
| Net interest margin | 1.6413% | 7,809 |
| Noninterest income to average assets | 0.2595% | 6,074 |
| Noninterest expense to average assets | 1.8045% | 7,457 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,816 |
| Net charge-offs to loans | 0.2624% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,023 |
| Efficiency ratio | 100.0000% | 837 |
| Assets per employee ($millions) | 4.1805% | 3,501 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7548% | 11 |
| Loan loss allowance to noncurrent loans | 2,226.4706% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 7,231 |
| Noncurrent loans to loans | 0.5729% | 6,157 |
| Net loans and leases to total assets | 15.4826% | 7,830 |
| Net loans and leases to deposits | 19.4165% | 7,835 |
| Net loans and leases to core deposits | 20.0947% | 7,825 |
| Total domestic deposits to total assets | 79.7393% | 5,878 |
| Equity capital to assets | 19.9617% | 290 |
| Core capital (leverage) ratio | 19.2612% | 295 |
| Tier 1 risk-based capital ratio | 79.2646% | 67 |
| Total risk-based capital ratio | 80.6148% | 66 |
| Memoranda: | ||
| Average total assets | $33,916,000 | 7,309 |
| Average earning assets | $31,925,000 | 7,255 |
| Average equity | $6,700,500 | 6,286 |
| Average total loans | $6,096,500 | 7,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 7,859 |
| Cost of funding earning assets | 1.1865% | 6,703 |
| Net interest margin | 2.0255% | 7,733 |
| Noninterest income to average assets | 0.2147% | 6,574 |
| Noninterest expense to average assets | 1.8596% | 7,557 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3162% | 4,469 |
| Return on assets (ROA) | 0.5570% | 3,580 |
| Pretax return on assets | 0.5570% | 4,025 |
| Return on Equity (ROE) | 2.8134% | 4,580 |
| Retained earnings to average equity (ytd only) | -3.2676% | 5,748 |
| Net charge-offs to loans | -0.1154% | 7,891 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4667% | 2,173 |
| Assets per employee ($millions) | 4.2985% | 3,269 |
| Cash dividends to net income (ytd only)* | 216.1458% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1604% | 16 |
| Loan loss allowance to noncurrent loans | 2,536.6667% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 7,278 |
| Noncurrent loans to loans | 0.4794% | 6,297 |
| Net loans and leases to total assets | 15.9852% | 7,901 |
| Net loans and leases to deposits | 19.9391% | 7,910 |
| Net loans and leases to core deposits | 21.9231% | 7,912 |
| Total domestic deposits to total assets | 80.1704% | 5,627 |
| Equity capital to assets | 19.5562% | 329 |
| Core capital (leverage) ratio | 19.4913% | 304 |
| Tier 1 risk-based capital ratio | 79.8615% | 75 |
| Total risk-based capital ratio | 81.2098% | 75 |
| Memoranda: | ||
| Average total assets | $34,469,400 | 7,305 |
| Average earning assets | $33,374,200 | 7,213 |
| Average equity | $6,824,600 | 6,326 |
| Average total loans | $6,064,400 | 7,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3502% | 7,953 |
| Cost of funding earning assets | 1.2374% | 6,769 |
| Net interest margin | 2.1128% | 7,752 |
| Noninterest income to average assets | 0.2088% | 6,732 |
| Noninterest expense to average assets | 1.8981% | 7,549 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3634% | 4,535 |
| Return on assets (ROA) | 0.3634% | 4,640 |
| Pretax return on assets | 0.3634% | 4,899 |
| Return on Equity (ROE) | 1.8298% | 5,224 |
| Retained earnings to average equity (ytd only) | -6.2485% | 6,416 |
| Net charge-offs to loans | -0.3546% | 8,005 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9316% | 2,306 |
| Assets per employee ($millions) | 4.1909% | 3,391 |
| Cash dividends to net income (ytd only)* | 441.4905% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7928% | 9 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 7,036 |
| Noncurrent loans to loans | 1.0965% | 5,119 |
| Net loans and leases to total assets | 15.6560% | 7,987 |
| Net loans and leases to deposits | 19.7146% | 7,994 |
| Net loans and leases to core deposits | 21.9284% | 7,989 |
| Total domestic deposits to total assets | 79.4136% | 5,653 |
| Equity capital to assets | 20.0227% | 337 |
| Core capital (leverage) ratio | 18.8252% | 390 |
| Tier 1 risk-based capital ratio | 80.8816% | 73 |
| Total risk-based capital ratio | 82.2303% | 73 |
| Memoranda: | ||
| Average total assets | $34,489,750 | 7,364 |
| Average earning assets | $33,509,500 | 7,269 |
| Average equity | $6,849,500 | 6,374 |
| Average total loans | $6,016,000 | 7,937 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 8,035 |
| Cost of funding earning assets | 1.2445% | 6,978 |
| Net interest margin | 2.2059% | 7,747 |
| Noninterest income to average assets | 0.1953% | 6,893 |
| Noninterest expense to average assets | 1.7064% | 7,823 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6377% | 3,517 |
| Return on assets (ROA) | 0.6377% | 3,623 |
| Pretax return on assets | 0.6377% | 4,207 |
| Return on Equity (ROE) | 3.2197% | 4,814 |
| Retained earnings to average equity (ytd only) | -8.8180% | 6,755 |
| Net charge-offs to loans | -0.1330% | 7,989 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7941% | 4,245 |
| Assets per employee ($millions) | 4.3730% | 2,982 |
| Cash dividends to net income (ytd only)* | 373.8739% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3777% | 8 |
| Loan loss allowance to noncurrent loans | 6,325.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 7,526 |
| Noncurrent loans to loans | 0.1957% | 7,025 |
| Net loans and leases to total assets | 15.3584% | 8,075 |
| Net loans and leases to deposits | 19.1360% | 8,087 |
| Net loans and leases to core deposits | 21.1585% | 8,082 |
| Total domestic deposits to total assets | 80.2595% | 5,367 |
| Equity capital to assets | 19.2174% | 434 |
| Core capital (leverage) ratio | 18.2370% | 482 |
| Tier 1 risk-based capital ratio | 80.4410% | 83 |
| Total risk-based capital ratio | 81.7912% | 82 |
| Memoranda: | ||
| Average total assets | $34,810,670 | 7,412 |
| Average earning assets | $33,909,000 | 7,320 |
| Average equity | $6,895,000 | 6,404 |
| Average total loans | $6,015,000 | 8,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 8,035 |
| Cost of funding earning assets | 1.2927% | 7,035 |
| Net interest margin | 2.5260% | 7,467 |
| Noninterest income to average assets | 0.1728% | 7,073 |
| Noninterest expense to average assets | 1.7049% | 7,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9216% | 2,609 |
| Return on assets (ROA) | 0.9216% | 2,749 |
| Pretax return on assets | 0.9216% | 3,634 |
| Return on Equity (ROE) | 4.5839% | 4,669 |
| Retained earnings to average equity (ytd only) | -19.1950% | 7,621 |
| Net charge-offs to loans | -0.6715% | 8,134 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9123% | 5,521 |
| Assets per employee ($millions) | 4.3250% | 3,022 |
| Cash dividends to net income (ytd only)* | 518.7500% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2066% | 6 |
| Loan loss allowance to noncurrent loans | 5,876.9231% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 7,502 |
| Noncurrent loans to loans | 0.2247% | 6,891 |
| Net loans and leases to total assets | 14.5116% | 8,137 |
| Net loans and leases to deposits | 18.1126% | 8,140 |
| Net loans and leases to core deposits | 19.8954% | 8,141 |
| Total domestic deposits to total assets | 80.1185% | 5,323 |
| Equity capital to assets | 19.4855% | 450 |
| Core capital (leverage) ratio | 18.2614% | 526 |
| Tier 1 risk-based capital ratio | 73.1222% | 102 |
| Total risk-based capital ratio | 74.4683% | 102 |
| Memoranda: | ||
| Average total assets | $34,724,000 | 7,461 |
| Average earning assets | $33,729,000 | 7,370 |
| Average equity | $6,981,000 | 6,419 |
| Average total loans | $5,956,500 | 8,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 8,037 |
| Cost of funding earning assets | 1.9544% | 6,555 |
| Net interest margin | 2.5239% | 7,730 |
| Noninterest income to average assets | 0.2308% | 6,783 |
| Noninterest expense to average assets | 1.7052% | 7,859 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9560% | 2,761 |
| Return on assets (ROA) | 0.9560% | 2,631 |
| Pretax return on assets | 0.9560% | 3,537 |
| Return on Equity (ROE) | 4.6253% | 4,548 |
| Retained earnings to average equity (ytd only) | -2.3344% | 5,964 |
| Net charge-offs to loans | -0.1229% | 8,117 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0766% | 5,538 |
| Assets per employee ($millions) | 4.3560% | 2,870 |
| Cash dividends to net income (ytd only)* | 150.4702% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3042% | 8 |
| Loan loss allowance to noncurrent loans | 1,839.0244% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 7,108 |
| Noncurrent loans to loans | 0.6691% | 5,361 |
| Net loans and leases to total assets | 15.4213% | 8,185 |
| Net loans and leases to deposits | 19.5482% | 8,196 |
| Net loans and leases to core deposits | 21.9266% | 8,189 |
| Total domestic deposits to total assets | 78.8883% | 5,412 |
| Equity capital to assets | 20.7185% | 425 |
| Core capital (leverage) ratio | 20.0643% | 444 |
| Tier 1 risk-based capital ratio | 62.3555% | 149 |
| Total risk-based capital ratio | 63.6764% | 145 |
| Memoranda: | ||
| Average total assets | $33,368,800 | 7,486 |
| Average earning assets | $32,133,200 | 7,401 |
| Average equity | $6,896,800 | 6,494 |
| Average total loans | $6,507,200 | 8,104 |