Home > F & M Community Bank > Performance and Condition Ratios
F & M Community Bank, 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 | 4.4401% | 3,206 |
| Cost of funding earning assets | 1.2176% | 2,757 |
| Net interest margin | 3.2225% | 2,822 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.8575% | 1,380 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5224% | 3,624 |
| Return on assets (ROA) | 0.5224% | 3,611 |
| Pretax return on assets | 0.5974% | 3,635 |
| Return on Equity (ROE) | 8.0500% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,255 |
| Net charge-offs to loans | -0.0022% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.6311% | 876 |
| Assets per employee ($millions) | 5.6069% | 3,152 |
| Cash dividends to net income (ytd only)* | 61.8459% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,447 |
| Loan loss allowance to noncurrent loans | 2,708.0645% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,468 |
| Noncurrent loans to loans | 0.0433% | 3,413 |
| Net loans and leases to total assets | 68.2300% | 2,010 |
| Net loans and leases to deposits | 81.2833% | 2,007 |
| Net loans and leases to core deposits | 84.2709% | 2,437 |
| Total domestic deposits to total assets | 83.9400% | 2,640 |
| Equity capital to assets | 6.5570% | 4,095 |
| Core capital (leverage) ratio | 8.9370% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,188,600 | 2,983 |
| Average earning assets | $182,900,200 | 2,988 |
| Average equity | $13,057,800 | 3,420 |
| Average total loans | $135,935,800 | 2,808 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 3,165 |
| Cost of funding earning assets | 1.0583% | 2,868 |
| Net interest margin | 3.3084% | 2,662 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.8433% | 1,337 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.5256% | 3,708 |
| Return on assets (ROA) | 0.5256% | 3,693 |
| Pretax return on assets | 0.6265% | 3,692 |
| Return on Equity (ROE) | 8.1200% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.9614% | 3,526 |
| Net charge-offs to loans | -0.0060% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.4810% | 893 |
| Assets per employee ($millions) | 5.4417% | 3,230 |
| Cash dividends to net income (ytd only)* | 63.5324% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,482 |
| Loan loss allowance to noncurrent loans | 248.3582% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,728 |
| Noncurrent loans to loans | 0.4744% | 1,637 |
| Net loans and leases to total assets | 67.5000% | 2,113 |
| Net loans and leases to deposits | 80.2483% | 2,023 |
| Net loans and leases to core deposits | 82.7243% | 2,420 |
| Total domestic deposits to total assets | 84.1100% | 2,746 |
| Equity capital to assets | 5.8979% | 4,028 |
| Core capital (leverage) ratio | 9.0329% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $199,621,500 | 2,998 |
| Average earning assets | $181,673,750 | 3,004 |
| Average equity | $12,921,500 | 3,429 |
| Average total loans | $134,111,500 | 2,828 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 3,152 |
| Cost of funding earning assets | 0.8786% | 2,996 |
| Net interest margin | 3.3929% | 2,540 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.8474% | 1,334 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.5790% | 3,636 |
| Return on assets (ROA) | 0.5790% | 3,637 |
| Pretax return on assets | 0.7321% | 3,534 |
| Return on Equity (ROE) | 8.6800% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.3578% | 3,386 |
| Net charge-offs to loans | -0.0091% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.2065% | 1,071 |
| Assets per employee ($millions) | 5.3984% | 3,233 |
| Cash dividends to net income (ytd only)* | 61.2960% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,593 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.3000% | 2,124 |
| Net loans and leases to deposits | 77.5414% | 2,171 |
| Net loans and leases to core deposits | 79.3398% | 2,518 |
| Total domestic deposits to total assets | 85.5100% | 2,389 |
| Equity capital to assets | 6.3829% | 4,043 |
| Core capital (leverage) ratio | 9.1407% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $197,233,333 | 3,019 |
| Average earning assets | $179,612,667 | 3,033 |
| Average equity | $13,163,333 | 3,421 |
| Average total loans | $131,734,333 | 2,847 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,200 |
| Cost of funding earning assets | 0.6607% | 3,188 |
| Net interest margin | 3.4646% | 2,460 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.8829% | 1,269 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.4553% | 3,992 |
| Return on assets (ROA) | 0.4553% | 3,942 |
| Pretax return on assets | 0.7678% | 3,537 |
| Return on Equity (ROE) | 6.6700% | 3,597 |
| Retained earnings to average equity (ytd only) | 0.6062% | 3,927 |
| Net charge-offs to loans | -0.0186% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.6227% | 1,117 |
| Assets per employee ($millions) | 5.2664% | 3,448 |
| Cash dividends to net income (ytd only)* | 90.9091% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.4700% | 2,012 |
| Net loans and leases to deposits | 74.1451% | 2,285 |
| Net loans and leases to core deposits | 75.4821% | 2,572 |
| Total domestic deposits to total assets | 89.6500% | 1,283 |
| Equity capital to assets | 6.9251% | 3,866 |
| Core capital (leverage) ratio | 9.4728% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $193,279,500 | 3,080 |
| Average earning assets | $176,183,000 | 3,092 |
| Average equity | $13,198,000 | 3,459 |
| Average total loans | $128,788,000 | 2,901 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 2,303 |
| Cost of funding earning assets | 0.3192% | 2,729 |
| Net interest margin | 3.4730% | 2,020 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.8690% | 1,177 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9425% | 2,805 |
| Return on assets (ROA) | 0.9454% | 2,731 |
| Pretax return on assets | 1.0193% | 3,026 |
| Return on Equity (ROE) | 12.5500% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.2568% | 2,122 |
| Net charge-offs to loans | 0.0109% | 1,965 |
| Credit loss provision to net charge-offs | 676.9231% | 552 |
| Earnings coverage of net charge-offs (x) | 152.7692% | 780 |
| Efficiency ratio | 72.9612% | 1,335 |
| Assets per employee ($millions) | 5.3251% | 3,392 |
| Cash dividends to net income (ytd only)* | 42.1857% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,474 |
| Loan loss allowance to noncurrent loans | 3,939.4737% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,651 |
| Noncurrent loans to loans | 0.0300% | 3,575 |
| Net loans and leases to total assets | 65.2100% | 2,121 |
| Net loans and leases to deposits | 71.0386% | 2,485 |
| Net loans and leases to core deposits | 72.2290% | 2,705 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 6.7302% | 3,801 |
| Core capital (leverage) ratio | 9.3229% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,789,600 | 3,130 |
| Average earning assets | $171,696,400 | 3,133 |
| Average equity | $14,069,600 | 3,458 |
| Average total loans | $119,093,000 | 2,929 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 2,200 |
| Cost of funding earning assets | 0.2635% | 2,564 |
| Net interest margin | 3.3861% | 2,023 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.8784% | 1,096 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8900% | 2,906 |
| Return on assets (ROA) | 0.8938% | 2,869 |
| Pretax return on assets | 0.9930% | 3,036 |
| Return on Equity (ROE) | 11.5500% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.0252% | 2,749 |
| Net charge-offs to loans | 0.0125% | 1,651 |
| Credit loss provision to net charge-offs | 572.7273% | 567 |
| Earnings coverage of net charge-offs (x) | 130.8182% | 803 |
| Efficiency ratio | 73.5721% | 1,326 |
| Assets per employee ($millions) | 5.1316% | 3,560 |
| Cash dividends to net income (ytd only)* | 47.8296% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,448 |
| Loan loss allowance to noncurrent loans | 1,619.7802% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,423 |
| Noncurrent loans to loans | 0.0750% | 3,339 |
| Net loans and leases to total assets | 63.1100% | 2,179 |
| Net loans and leases to deposits | 67.6546% | 2,565 |
| Net loans and leases to core deposits | 68.7781% | 2,739 |
| Total domestic deposits to total assets | 93.2800% | 506 |
| Equity capital to assets | 6.2991% | 3,845 |
| Core capital (leverage) ratio | 9.3989% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,561,250 | 3,168 |
| Average earning assets | $171,046,750 | 3,162 |
| Average equity | $14,361,500 | 3,476 |
| Average total loans | $117,240,500 | 2,956 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 2,058 |
| Cost of funding earning assets | 0.2433% | 2,352 |
| Net interest margin | 3.2812% | 1,963 |
| Noninterest income to average assets | 0.8505% | 941 |
| Noninterest expense to average assets | 2.8513% | 1,075 |
| Loan and lease loss provision to assets | 0.0684% | 1,387 |
| Net operating income to assets | 0.7994% | 2,960 |
| Return on assets (ROA) | 0.8049% | 2,906 |
| Pretax return on assets | 0.9548% | 2,886 |
| Return on Equity (ROE) | 9.7744% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.8831% | 2,371 |
| Net charge-offs to loans | 0.0104% | 1,598 |
| Credit loss provision to net charge-offs | 1,050.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 628 |
| Efficiency ratio | 73.7152% | 1,542 |
| Assets per employee ($millions) | 5.4272% | 3,295 |
| Cash dividends to net income (ytd only)* | 39.8111% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,393 |
| Loan loss allowance to noncurrent loans | 2,143.4783% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,608 |
| Noncurrent loans to loans | 0.0587% | 3,513 |
| Net loans and leases to total assets | 62.9300% | 2,022 |
| Net loans and leases to deposits | 68.1793% | 2,378 |
| Net loans and leases to core deposits | 69.4379% | 2,526 |
| Total domestic deposits to total assets | 92.3007% | 728 |
| Equity capital to assets | 7.2999% | 3,600 |
| Core capital (leverage) ratio | 9.3417% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,125,667 | 3,207 |
| Average earning assets | $169,328,000 | 3,223 |
| Average equity | $15,162,000 | 3,476 |
| Average total loans | $115,889,667 | 2,990 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 1,921 |
| Cost of funding earning assets | 0.2333% | 2,346 |
| Net interest margin | 3.2262% | 1,801 |
| Noninterest income to average assets | 0.7720% | 1,109 |
| Noninterest expense to average assets | 2.8207% | 1,121 |
| Loan and lease loss provision to assets | 0.0826% | 994 |
| Net operating income to assets | 0.5182% | 3,660 |
| Return on assets (ROA) | 0.5285% | 3,599 |
| Pretax return on assets | 0.8286% | 3,015 |
| Return on Equity (ROE) | 6.0720% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.3238% | 3,456 |
| Net charge-offs to loans | 0.0174% | 1,182 |
| Credit loss provision to net charge-offs | 760.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 82.6000% | 735 |
| Efficiency ratio | 75.8480% | 1,545 |
| Assets per employee ($millions) | 5.4084% | 3,385 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,462 |
| Loan loss allowance to noncurrent loans | 3,637.5000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,336 |
| Noncurrent loans to loans | 0.0351% | 3,735 |
| Net loans and leases to total assets | 59.3804% | 2,134 |
| Net loans and leases to deposits | 64.6228% | 2,470 |
| Net loans and leases to core deposits | 65.7928% | 2,649 |
| Total domestic deposits to total assets | 91.8877% | 623 |
| Equity capital to assets | 7.7816% | 3,742 |
| Core capital (leverage) ratio | 9.5641% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,926,500 | 3,214 |
| Average earning assets | $168,002,000 | 3,248 |
| Average equity | $16,008,000 | 3,474 |
| Average total loans | $115,034,500 | 3,000 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 1,053 |
| Cost of funding earning assets | 0.2521% | 2,903 |
| Net interest margin | 3.9154% | 828 |
| Noninterest income to average assets | 0.8528% | 1,316 |
| Noninterest expense to average assets | 3.1670% | 762 |
| Loan and lease loss provision to assets | 0.0289% | 2,477 |
| Net operating income to assets | 1.2344% | 1,794 |
| Return on assets (ROA) | 1.2344% | 1,857 |
| Pretax return on assets | 1.2355% | 2,566 |
| Return on Equity (ROE) | 12.2147% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.3370% | 3,077 |
| Net charge-offs to loans | 0.0169% | 1,952 |
| Credit loss provision to net charge-offs | 263.1579% | 1,138 |
| Earnings coverage of net charge-offs (x) | 114.9474% | 812 |
| Efficiency ratio | 71.4659% | 1,568 |
| Assets per employee ($millions) | 4.9600% | 3,764 |
| Cash dividends to net income (ytd only)* | 64.4934% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,529.0323% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 3,178 |
| Noncurrent loans to loans | 0.0800% | 3,525 |
| Net loans and leases to total assets | 64.2860% | 1,670 |
| Net loans and leases to deposits | 71.5914% | 1,954 |
| Net loans and leases to core deposits | 72.9982% | 2,163 |
| Total domestic deposits to total assets | 89.7956% | 1,066 |
| Equity capital to assets | 9.6808% | 2,961 |
| Core capital (leverage) ratio | 9.7852% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,718,400 | 3,276 |
| Average earning assets | $157,862,800 | 3,301 |
| Average equity | $17,454,400 | 3,430 |
| Average total loans | $112,513,000 | 3,036 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 835 |
| Cost of funding earning assets | 0.2556% | 3,064 |
| Net interest margin | 4.1256% | 624 |
| Noninterest income to average assets | 0.8657% | 1,332 |
| Noninterest expense to average assets | 3.1515% | 766 |
| Loan and lease loss provision to assets | 0.0391% | 2,211 |
| Net operating income to assets | 1.4309% | 1,445 |
| Return on assets (ROA) | 1.4309% | 1,510 |
| Pretax return on assets | 1.4325% | 2,204 |
| Return on Equity (ROE) | 14.0063% | 1,390 |
| Retained earnings to average equity (ytd only) | 4.6713% | 3,346 |
| Net charge-offs to loans | 0.0227% | 1,592 |
| Credit loss provision to net charge-offs | 263.1579% | 1,067 |
| Earnings coverage of net charge-offs (x) | 99.4737% | 875 |
| Efficiency ratio | 68.1711% | 1,799 |
| Assets per employee ($millions) | 4.7151% | 3,951 |
| Cash dividends to net income (ytd only)* | 66.6485% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,537 |
| Loan loss allowance to noncurrent loans | 3,385.7143% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,560 |
| Noncurrent loans to loans | 0.0381% | 3,936 |
| Net loans and leases to total assets | 62.3139% | 1,974 |
| Net loans and leases to deposits | 69.7272% | 2,267 |
| Net loans and leases to core deposits | 71.1357% | 2,503 |
| Total domestic deposits to total assets | 89.3682% | 1,088 |
| Equity capital to assets | 10.1354% | 2,773 |
| Core capital (leverage) ratio | 10.0865% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,258,000 | 3,321 |
| Average earning assets | $155,965,250 | 3,351 |
| Average equity | $17,496,500 | 3,470 |
| Average total loans | $111,588,500 | 3,093 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 465 |
| Cost of funding earning assets | 0.2588% | 3,196 |
| Net interest margin | 4.5387% | 331 |
| Noninterest income to average assets | 0.9342% | 1,186 |
| Noninterest expense to average assets | 3.1940% | 727 |
| Loan and lease loss provision to assets | 0.0588% | 1,859 |
| Net operating income to assets | 1.8003% | 716 |
| Return on assets (ROA) | 1.8003% | 749 |
| Pretax return on assets | 1.8027% | 1,225 |
| Return on Equity (ROE) | 17.5742% | 702 |
| Retained earnings to average equity (ytd only) | 7.8235% | 2,143 |
| Net charge-offs to loans | 0.0321% | 1,332 |
| Credit loss provision to net charge-offs | 277.7778% | 926 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 796 |
| Efficiency ratio | 63.1799% | 2,540 |
| Assets per employee ($millions) | 4.9313% | 3,713 |
| Cash dividends to net income (ytd only)* | 55.4830% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,456 |
| Loan loss allowance to noncurrent loans | 677.6190% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,103 |
| Noncurrent loans to loans | 0.1914% | 3,272 |
| Net loans and leases to total assets | 61.0172% | 2,303 |
| Net loans and leases to deposits | 67.9847% | 2,621 |
| Net loans and leases to core deposits | 69.1928% | 2,850 |
| Total domestic deposits to total assets | 89.7514% | 894 |
| Equity capital to assets | 9.8960% | 2,948 |
| Core capital (leverage) ratio | 9.9608% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,191,667 | 3,336 |
| Average earning assets | $154,538,667 | 3,368 |
| Average equity | $17,434,667 | 3,475 |
| Average total loans | $112,073,667 | 3,096 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 272 |
| Cost of funding earning assets | 0.2710% | 3,263 |
| Net interest margin | 4.9285% | 203 |
| Noninterest income to average assets | 1.0449% | 1,066 |
| Noninterest expense to average assets | 3.1659% | 751 |
| Loan and lease loss provision to assets | 0.0601% | 1,921 |
| Net operating income to assets | 2.3132% | 353 |
| Return on assets (ROA) | 2.3132% | 379 |
| Pretax return on assets | 2.3180% | 574 |
| Return on Equity (ROE) | 22.1787% | 380 |
| Retained earnings to average equity (ytd only) | 16.4210% | 473 |
| Net charge-offs to loans | 0.0671% | 871 |
| Credit loss provision to net charge-offs | 131.5789% | 1,017 |
| Earnings coverage of net charge-offs (x) | 52.1053% | 878 |
| Efficiency ratio | 57.1057% | 3,414 |
| Assets per employee ($millions) | 4.8592% | 3,790 |
| Cash dividends to net income (ytd only)* | 25.9605% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,719 |
| Loan loss allowance to noncurrent loans | 88.6421% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 840 |
| Noncurrent loans to loans | 1.3984% | 905 |
| Net loans and leases to total assets | 65.4429% | 1,874 |
| Net loans and leases to deposits | 73.1332% | 2,203 |
| Net loans and leases to core deposits | 74.2445% | 2,491 |
| Total domestic deposits to total assets | 89.4845% | 1,070 |
| Equity capital to assets | 10.1998% | 2,522 |
| Core capital (leverage) ratio | 10.5324% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,524,000 | 3,373 |
| Average earning assets | $152,013,000 | 3,395 |
| Average equity | $17,368,000 | 3,479 |
| Average total loans | $113,238,000 | 3,082 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 665 |
| Cost of funding earning assets | 0.4691% | 3,158 |
| Net interest margin | 4.3841% | 419 |
| Noninterest income to average assets | 0.9494% | 1,152 |
| Noninterest expense to average assets | 3.5046% | 685 |
| Loan and lease loss provision to assets | 0.1400% | 2,609 |
| Net operating income to assets | 1.2786% | 1,311 |
| Return on assets (ROA) | 1.2786% | 1,410 |
| Pretax return on assets | 1.2799% | 2,046 |
| Return on Equity (ROE) | 11.6545% | 1,430 |
| Retained earnings to average equity (ytd only) | 6.1374% | 1,738 |
| Net charge-offs to loans | 0.2847% | 602 |
| Credit loss provision to net charge-offs | 67.2956% | 3,059 |
| Earnings coverage of net charge-offs (x) | 6.8239% | 2,746 |
| Efficiency ratio | 71.1666% | 1,786 |
| Assets per employee ($millions) | 4.6565% | 3,758 |
| Cash dividends to net income (ytd only)* | 47.3388% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,830 |
| Loan loss allowance to noncurrent loans | 109.5276% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 1,195 |
| Noncurrent loans to loans | 1.1162% | 1,271 |
| Net loans and leases to total assets | 68.9598% | 1,698 |
| Net loans and leases to deposits | 77.6053% | 2,112 |
| Net loans and leases to core deposits | 78.3601% | 2,529 |
| Total domestic deposits to total assets | 88.8597% | 1,046 |
| Equity capital to assets | 10.6697% | 2,547 |
| Core capital (leverage) ratio | 10.2697% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,826,000 | 3,372 |
| Average earning assets | $138,568,200 | 3,398 |
| Average equity | $16,766,000 | 3,476 |
| Average total loans | $111,705,400 | 3,074 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 465 |
| Cost of funding earning assets | 0.5210% | 3,109 |
| Net interest margin | 4.6174% | 298 |
| Noninterest income to average assets | 0.9910% | 1,033 |
| Noninterest expense to average assets | 3.4546% | 751 |
| Loan and lease loss provision to assets | 0.1590% | 2,411 |
| Net operating income to assets | 1.5428% | 826 |
| Return on assets (ROA) | 1.5428% | 902 |
| Pretax return on assets | 1.5445% | 1,344 |
| Return on Equity (ROE) | 13.9589% | 887 |
| Retained earnings to average equity (ytd only) | 7.5373% | 1,485 |
| Net charge-offs to loans | 0.0276% | 2,282 |
| Credit loss provision to net charge-offs | 778.2609% | 998 |
| Earnings coverage of net charge-offs (x) | 83.4783% | 898 |
| Efficiency ratio | 66.9763% | 2,317 |
| Assets per employee ($millions) | 4.6194% | 3,700 |
| Cash dividends to net income (ytd only)* | 46.0035% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,670 |
| Loan loss allowance to noncurrent loans | 91.6713% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 938 |
| Noncurrent loans to loans | 1.5437% | 918 |
| Net loans and leases to total assets | 71.1373% | 1,796 |
| Net loans and leases to deposits | 80.0181% | 2,313 |
| Net loans and leases to core deposits | 80.7989% | 2,771 |
| Total domestic deposits to total assets | 88.9015% | 815 |
| Equity capital to assets | 10.6668% | 2,656 |
| Core capital (leverage) ratio | 10.4389% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,288,500 | 3,386 |
| Average earning assets | $135,628,000 | 3,420 |
| Average equity | $16,610,250 | 3,493 |
| Average total loans | $111,187,000 | 3,093 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 282 |
| Cost of funding earning assets | 0.5713% | 3,120 |
| Net interest margin | 5.0162% | 201 |
| Noninterest income to average assets | 0.9680% | 1,043 |
| Noninterest expense to average assets | 3.5538% | 694 |
| Loan and lease loss provision to assets | 0.1720% | 2,289 |
| Net operating income to assets | 1.7707% | 535 |
| Return on assets (ROA) | 1.7707% | 585 |
| Pretax return on assets | 1.7735% | 855 |
| Return on Equity (ROE) | 15.8187% | 596 |
| Retained earnings to average equity (ytd only) | 12.1598% | 440 |
| Net charge-offs to loans | 0.0347% | 2,044 |
| Credit loss provision to net charge-offs | 663.1579% | 1,033 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 843 |
| Efficiency ratio | 64.6226% | 2,727 |
| Assets per employee ($millions) | 4.8892% | 3,317 |
| Cash dividends to net income (ytd only)* | 23.1303% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,791 |
| Loan loss allowance to noncurrent loans | 87.2549% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 984 |
| Noncurrent loans to loans | 1.5440% | 973 |
| Net loans and leases to total assets | 72.7078% | 1,591 |
| Net loans and leases to deposits | 82.8986% | 2,100 |
| Net loans and leases to core deposits | 85.3771% | 2,491 |
| Total domestic deposits to total assets | 87.7069% | 1,325 |
| Equity capital to assets | 10.7361% | 2,540 |
| Core capital (leverage) ratio | 10.7725% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,491,667 | 3,412 |
| Average earning assets | $132,331,333 | 3,442 |
| Average equity | $16,398,333 | 3,521 |
| Average total loans | $109,361,000 | 3,110 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 1,319 |
| Cost of funding earning assets | 0.6409% | 3,219 |
| Net interest margin | 4.2052% | 909 |
| Noninterest income to average assets | 0.7709% | 1,392 |
| Noninterest expense to average assets | 3.5321% | 889 |
| Loan and lease loss provision to assets | 0.0259% | 3,464 |
| Net operating income to assets | 1.0384% | 2,043 |
| Return on assets (ROA) | 1.0384% | 2,141 |
| Pretax return on assets | 1.0441% | 2,687 |
| Return on Equity (ROE) | 9.0610% | 2,088 |
| Retained earnings to average equity (ytd only) | 4.6685% | 2,431 |
| Net charge-offs to loans | 0.0115% | 2,174 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 501 |
| Efficiency ratio | 76.7500% | 1,479 |
| Assets per employee ($millions) | 4.0961% | 3,790 |
| Cash dividends to net income (ytd only)* | 48.4765% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,621 |
| Loan loss allowance to noncurrent loans | 67.1889% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6041% | 638 |
| Noncurrent loans to loans | 2.1159% | 641 |
| Net loans and leases to total assets | 74.7324% | 1,502 |
| Net loans and leases to deposits | 86.0555% | 1,994 |
| Net loans and leases to core deposits | 89.2800% | 2,418 |
| Total domestic deposits to total assets | 86.8420% | 1,627 |
| Equity capital to assets | 11.2968% | 2,592 |
| Core capital (leverage) ratio | 11.6680% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,066,000 | 3,465 |
| Average earning assets | $126,700,500 | 3,487 |
| Average equity | $15,936,500 | 3,560 |
| Average total loans | $104,586,000 | 3,160 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 1,539 |
| Cost of funding earning assets | 0.7371% | 2,987 |
| Net interest margin | 4.2397% | 1,231 |
| Noninterest income to average assets | 0.9863% | 1,001 |
| Noninterest expense to average assets | 3.5453% | 908 |
| Loan and lease loss provision to assets | 0.0854% | 2,296 |
| Net operating income to assets | 1.2314% | 1,940 |
| Return on assets (ROA) | 1.2343% | 2,018 |
| Pretax return on assets | 1.2358% | 2,720 |
| Return on Equity (ROE) | 11.0306% | 1,874 |
| Retained earnings to average equity (ytd only) | 7.4450% | 1,190 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8964% | 1,750 |
| Assets per employee ($millions) | 4.0842% | 3,803 |
| Cash dividends to net income (ytd only)* | 32.5059% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,384 |
| Loan loss allowance to noncurrent loans | 85.3798% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 891 |
| Noncurrent loans to loans | 1.6903% | 817 |
| Net loans and leases to total assets | 73.5235% | 1,835 |
| Net loans and leases to deposits | 85.0801% | 2,199 |
| Net loans and leases to core deposits | 88.0147% | 2,604 |
| Total domestic deposits to total assets | 86.4168% | 1,879 |
| Equity capital to assets | 11.6230% | 2,403 |
| Core capital (leverage) ratio | 11.3449% | 2,219 |
| Tier 1 risk-based capital ratio | 13.5412% | 3,499 |
| Total risk-based capital ratio | 14.7908% | 3,400 |
| Memoranda: | ||
| Average total assets | $137,081,800 | 3,478 |
| Average earning assets | $125,362,400 | 3,491 |
| Average equity | $15,339,200 | 3,608 |
| Average total loans | $104,099,000 | 3,170 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 1,654 |
| Cost of funding earning assets | 0.7465% | 2,985 |
| Net interest margin | 4.2130% | 1,351 |
| Noninterest income to average assets | 0.9875% | 961 |
| Noninterest expense to average assets | 3.4709% | 982 |
| Loan and lease loss provision to assets | 0.1132% | 1,722 |
| Net operating income to assets | 1.2617% | 1,979 |
| Return on assets (ROA) | 1.2646% | 2,043 |
| Pretax return on assets | 1.2666% | 2,761 |
| Return on Equity (ROE) | 11.4140% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.8911% | 1,447 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5982% | 1,887 |
| Assets per employee ($millions) | 4.0030% | 3,899 |
| Cash dividends to net income (ytd only)* | 30.8641% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,572 |
| Loan loss allowance to noncurrent loans | 80.1502% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 898 |
| Noncurrent loans to loans | 1.7475% | 829 |
| Net loans and leases to total assets | 75.0658% | 1,638 |
| Net loans and leases to deposits | 89.4311% | 1,763 |
| Net loans and leases to core deposits | 93.8030% | 2,198 |
| Total domestic deposits to total assets | 83.9370% | 2,846 |
| Equity capital to assets | 11.3215% | 2,820 |
| Core capital (leverage) ratio | 11.2959% | 2,382 |
| Tier 1 risk-based capital ratio | 12.9657% | 3,867 |
| Total risk-based capital ratio | 14.2060% | 3,770 |
| Memoranda: | ||
| Average total assets | $136,636,500 | 3,516 |
| Average earning assets | $125,195,750 | 3,525 |
| Average equity | $15,139,000 | 3,660 |
| Average total loans | $104,225,750 | 3,203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 1,711 |
| Cost of funding earning assets | 0.7498% | 2,895 |
| Net interest margin | 4.1640% | 1,444 |
| Noninterest income to average assets | 0.6717% | 1,827 |
| Noninterest expense to average assets | 3.4603% | 1,011 |
| Loan and lease loss provision to assets | 0.1476% | 1,250 |
| Net operating income to assets | 0.8813% | 3,354 |
| Return on assets (ROA) | 0.8857% | 3,402 |
| Pretax return on assets | 0.8887% | 3,876 |
| Return on Equity (ROE) | 8.0548% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.6986% | 2,918 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0292% | 1,267 |
| Assets per employee ($millions) | 3.9562% | 3,928 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 1,668 |
| Loan loss allowance to noncurrent loans | 78.4918% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 896 |
| Noncurrent loans to loans | 1.7667% | 857 |
| Net loans and leases to total assets | 75.9063% | 1,564 |
| Net loans and leases to deposits | 90.9292% | 1,641 |
| Net loans and leases to core deposits | 94.4875% | 2,211 |
| Total domestic deposits to total assets | 83.4785% | 3,059 |
| Equity capital to assets | 11.0242% | 3,019 |
| Core capital (leverage) ratio | 10.6845% | 2,904 |
| Tier 1 risk-based capital ratio | 12.6082% | 4,071 |
| Total risk-based capital ratio | 13.8445% | 3,966 |
| Memoranda: | ||
| Average total assets | $135,480,330 | 3,550 |
| Average earning assets | $124,303,000 | 3,554 |
| Average equity | $14,898,000 | 3,689 |
| Average total loans | $103,412,670 | 3,233 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 1,783 |
| Cost of funding earning assets | 0.6977% | 3,068 |
| Net interest margin | 4.1471% | 1,432 |
| Noninterest income to average assets | 0.6598% | 1,782 |
| Noninterest expense to average assets | 3.3526% | 1,193 |
| Loan and lease loss provision to assets | 0.1493% | 1,133 |
| Net operating income to assets | 0.9553% | 3,029 |
| Return on assets (ROA) | 0.9583% | 3,055 |
| Pretax return on assets | 0.9583% | 3,593 |
| Return on Equity (ROE) | 8.7261% | 2,935 |
| Retained earnings to average equity (ytd only) | 4.6485% | 3,064 |
| Net charge-offs to loans | -0.0079% | 4,139 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2177% | 1,588 |
| Assets per employee ($millions) | 4.2482% | 3,548 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,719 |
| Loan loss allowance to noncurrent loans | 2,648.1481% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,637 |
| Noncurrent loans to loans | 0.0524% | 4,525 |
| Net loans and leases to total assets | 74.6966% | 1,690 |
| Net loans and leases to deposits | 90.7705% | 1,533 |
| Net loans and leases to core deposits | 94.6912% | 2,062 |
| Total domestic deposits to total assets | 82.2917% | 3,646 |
| Equity capital to assets | 10.9554% | 2,902 |
| Core capital (leverage) ratio | 11.2775% | 2,314 |
| Tier 1 risk-based capital ratio | 12.8312% | 3,962 |
| Total risk-based capital ratio | 14.0632% | 3,874 |
| Memoranda: | ||
| Average total assets | $133,986,500 | 3,608 |
| Average earning assets | $122,687,000 | 3,622 |
| Average equity | $14,714,500 | 3,721 |
| Average total loans | $101,827,000 | 3,299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 1,465 |
| Cost of funding earning assets | 0.5386% | 3,123 |
| Net interest margin | 4.2933% | 1,176 |
| Noninterest income to average assets | 0.7813% | 1,517 |
| Noninterest expense to average assets | 3.5844% | 891 |
| Loan and lease loss provision to assets | 0.0395% | 3,408 |
| Net operating income to assets | 1.0748% | 2,697 |
| Return on assets (ROA) | 1.0670% | 2,713 |
| Pretax return on assets | 1.0685% | 3,377 |
| Return on Equity (ROE) | 9.4441% | 2,771 |
| Retained earnings to average equity (ytd only) | 2.8081% | 3,998 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2592% | 1,326 |
| Assets per employee ($millions) | 4.2591% | 3,531 |
| Cash dividends to net income (ytd only)* | 70.2663% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,754 |
| Loan loss allowance to noncurrent loans | 2,460.7143% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 4,640 |
| Noncurrent loans to loans | 0.0556% | 4,499 |
| Net loans and leases to total assets | 75.2111% | 1,737 |
| Net loans and leases to deposits | 88.0321% | 2,037 |
| Net loans and leases to core deposits | 90.5272% | 2,524 |
| Total domestic deposits to total assets | 85.4360% | 2,460 |
| Equity capital to assets | 11.0095% | 2,680 |
| Core capital (leverage) ratio | 11.3230% | 2,248 |
| Tier 1 risk-based capital ratio | 12.9326% | 3,885 |
| Total risk-based capital ratio | 14.1432% | 3,800 |
| Memoranda: | ||
| Average total assets | $126,716,200 | 3,685 |
| Average earning assets | $115,668,000 | 3,722 |
| Average equity | $14,315,800 | 3,713 |
| Average total loans | $96,851,800 | 3,356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 1,461 |
| Cost of funding earning assets | 0.5058% | 3,162 |
| Net interest margin | 4.2816% | 1,157 |
| Noninterest income to average assets | 0.7943% | 1,493 |
| Noninterest expense to average assets | 3.5898% | 867 |
| Loan and lease loss provision to assets | 0.0532% | 2,916 |
| Net operating income to assets | 1.0559% | 2,846 |
| Return on assets (ROA) | 1.0559% | 2,857 |
| Pretax return on assets | 1.0580% | 3,543 |
| Return on Equity (ROE) | 9.2840% | 2,964 |
| Retained earnings to average equity (ytd only) | 2.5056% | 4,395 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3628% | 1,303 |
| Assets per employee ($millions) | 4.0169% | 3,860 |
| Cash dividends to net income (ytd only)* | 73.0107% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,663 |
| Loan loss allowance to noncurrent loans | 175.0953% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 2,344 |
| Noncurrent loans to loans | 0.8045% | 2,098 |
| Net loans and leases to total assets | 75.0336% | 1,807 |
| Net loans and leases to deposits | 88.2521% | 2,119 |
| Net loans and leases to core deposits | 93.4855% | 2,347 |
| Total domestic deposits to total assets | 85.0219% | 2,599 |
| Equity capital to assets | 11.1039% | 2,569 |
| Core capital (leverage) ratio | 11.4594% | 2,208 |
| Tier 1 risk-based capital ratio | 12.9773% | 3,923 |
| Total risk-based capital ratio | 14.2031% | 3,836 |
| Memoranda: | ||
| Average total assets | $125,387,500 | 3,744 |
| Average earning assets | $114,409,000 | 3,776 |
| Average equity | $14,260,750 | 3,745 |
| Average total loans | $95,894,750 | 3,409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,444 |
| Cost of funding earning assets | 0.4760% | 3,187 |
| Net interest margin | 4.2473% | 1,171 |
| Noninterest income to average assets | 0.8027% | 1,468 |
| Noninterest expense to average assets | 3.6433% | 827 |
| Loan and lease loss provision to assets | 0.0804% | 2,301 |
| Net operating income to assets | 0.9651% | 3,168 |
| Return on assets (ROA) | 0.9651% | 3,169 |
| Pretax return on assets | 0.9683% | 3,757 |
| Return on Equity (ROE) | 8.4171% | 3,305 |
| Retained earnings to average equity (ytd only) | 0.7014% | 4,824 |
| Net charge-offs to loans | 0.0021% | 3,136 |
| Credit loss provision to net charge-offs | 5,000.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 652.0000% | 129 |
| Efficiency ratio | 77.6483% | 1,228 |
| Assets per employee ($millions) | 3.9314% | 4,018 |
| Cash dividends to net income (ytd only)* | 91.6667% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 1,688 |
| Loan loss allowance to noncurrent loans | 157.3714% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,147 |
| Noncurrent loans to loans | 0.9010% | 1,920 |
| Net loans and leases to total assets | 76.1005% | 1,622 |
| Net loans and leases to deposits | 93.3265% | 1,433 |
| Net loans and leases to core deposits | 96.7207% | 1,998 |
| Total domestic deposits to total assets | 81.5422% | 3,858 |
| Equity capital to assets | 11.2451% | 2,414 |
| Core capital (leverage) ratio | 11.4595% | 2,101 |
| Tier 1 risk-based capital ratio | 12.9298% | 3,930 |
| Total risk-based capital ratio | 14.1687% | 3,862 |
| Memoranda: | ||
| Average total assets | $124,336,330 | 3,789 |
| Average earning assets | $113,859,330 | 3,812 |
| Average equity | $14,256,670 | 3,768 |
| Average total loans | $95,250,670 | 3,423 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,505 |
| Cost of funding earning assets | 0.4147% | 3,486 |
| Net interest margin | 4.2076% | 1,161 |
| Noninterest income to average assets | 0.7314% | 1,699 |
| Noninterest expense to average assets | 3.5048% | 992 |
| Loan and lease loss provision to assets | 0.0809% | 2,168 |
| Net operating income to assets | 0.9870% | 2,903 |
| Return on assets (ROA) | 0.9870% | 2,935 |
| Pretax return on assets | 0.9870% | 3,582 |
| Return on Equity (ROE) | 8.5246% | 3,143 |
| Retained earnings to average equity (ytd only) | 2.9347% | 4,026 |
| Net charge-offs to loans | 0.0127% | 2,299 |
| Credit loss provision to net charge-offs | 833.3333% | 401 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 568 |
| Efficiency ratio | 76.6454% | 1,496 |
| Assets per employee ($millions) | 3.9304% | 4,099 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,709 |
| Loan loss allowance to noncurrent loans | 721.9251% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,313 |
| Noncurrent loans to loans | 0.1987% | 4,078 |
| Net loans and leases to total assets | 76.1314% | 1,519 |
| Net loans and leases to deposits | 91.3487% | 1,517 |
| Net loans and leases to core deposits | 98.1255% | 1,826 |
| Total domestic deposits to total assets | 83.3415% | 3,566 |
| Equity capital to assets | 11.6922% | 1,998 |
| Core capital (leverage) ratio | 11.7824% | 1,789 |
| Tier 1 risk-based capital ratio | 13.3441% | 3,749 |
| Total risk-based capital ratio | 14.5930% | 3,662 |
| Memoranda: | ||
| Average total assets | $123,601,500 | 3,837 |
| Average earning assets | $112,844,500 | 3,872 |
| Average equity | $14,311,500 | 3,795 |
| Average total loans | $94,318,000 | 3,459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 987 |
| Cost of funding earning assets | 0.3997% | 3,260 |
| Net interest margin | 4.3940% | 778 |
| Noninterest income to average assets | 0.8337% | 1,453 |
| Noninterest expense to average assets | 3.5348% | 976 |
| Loan and lease loss provision to assets | 0.1280% | 1,789 |
| Net operating income to assets | 1.1625% | 1,640 |
| Return on assets (ROA) | 1.1625% | 1,670 |
| Pretax return on assets | 1.1641% | 2,930 |
| Return on Equity (ROE) | 10.4085% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.1104% | 1,474 |
| Net charge-offs to loans | 0.0428% | 2,935 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 40.3750% | 1,258 |
| Efficiency ratio | 73.2306% | 2,027 |
| Assets per employee ($millions) | 3.9175% | 4,095 |
| Cash dividends to net income (ytd only)* | 41.2939% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,745 |
| Loan loss allowance to noncurrent loans | 2,329.8246% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,908 |
| Noncurrent loans to loans | 0.0603% | 4,724 |
| Net loans and leases to total assets | 74.3437% | 1,865 |
| Net loans and leases to deposits | 88.5685% | 1,950 |
| Net loans and leases to core deposits | 95.8137% | 2,037 |
| Total domestic deposits to total assets | 83.9392% | 3,234 |
| Equity capital to assets | 11.4685% | 2,225 |
| Core capital (leverage) ratio | 11.5484% | 1,912 |
| Tier 1 risk-based capital ratio | 13.1759% | 3,806 |
| Total risk-based capital ratio | 14.3978% | 3,737 |
| Memoranda: | ||
| Average total assets | $124,985,000 | 3,818 |
| Average earning assets | $113,586,000 | 3,849 |
| Average equity | $13,959,800 | 3,849 |
| Average total loans | $93,487,800 | 3,460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 886 |
| Cost of funding earning assets | 0.3924% | 3,276 |
| Net interest margin | 4.4300% | 688 |
| Noninterest income to average assets | 0.8007% | 1,583 |
| Noninterest expense to average assets | 3.5112% | 978 |
| Loan and lease loss provision to assets | 0.1281% | 1,691 |
| Net operating income to assets | 1.1850% | 1,757 |
| Return on assets (ROA) | 1.1850% | 1,794 |
| Pretax return on assets | 1.1871% | 2,955 |
| Return on Equity (ROE) | 10.6814% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.1106% | 2,166 |
| Net charge-offs to loans | 0.0558% | 2,334 |
| Credit loss provision to net charge-offs | 307.6923% | 967 |
| Earnings coverage of net charge-offs (x) | 31.5890% | 1,503 |
| Efficiency ratio | 72.7494% | 2,085 |
| Assets per employee ($millions) | 3.9730% | 4,029 |
| Cash dividends to net income (ytd only)* | 42.7930% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 2,145 |
| Loan loss allowance to noncurrent loans | 2,261.4035% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 5,010 |
| Noncurrent loans to loans | 0.0594% | 4,847 |
| Net loans and leases to total assets | 74.4225% | 1,851 |
| Net loans and leases to deposits | 92.0650% | 1,560 |
| Net loans and leases to core deposits | 101.4094% | 1,588 |
| Total domestic deposits to total assets | 80.8369% | 4,090 |
| Equity capital to assets | 11.2801% | 2,588 |
| Core capital (leverage) ratio | 11.2270% | 2,243 |
| Tier 1 risk-based capital ratio | 12.9000% | 4,079 |
| Total risk-based capital ratio | 14.0790% | 4,028 |
| Memoranda: | ||
| Average total assets | $124,891,000 | 3,865 |
| Average earning assets | $113,496,000 | 3,895 |
| Average equity | $13,855,500 | 3,901 |
| Average total loans | $93,228,250 | 3,495 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 738 |
| Cost of funding earning assets | 0.3570% | 3,508 |
| Net interest margin | 4.5201% | 543 |
| Noninterest income to average assets | 0.8297% | 1,471 |
| Noninterest expense to average assets | 3.5524% | 932 |
| Loan and lease loss provision to assets | 0.1289% | 1,615 |
| Net operating income to assets | 1.2453% | 1,455 |
| Return on assets (ROA) | 1.2453% | 1,481 |
| Pretax return on assets | 1.2486% | 2,587 |
| Return on Equity (ROE) | 11.2899% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.5432% | 1,819 |
| Net charge-offs to loans | 0.0736% | 1,884 |
| Credit loss provision to net charge-offs | 235.2941% | 1,125 |
| Earnings coverage of net charge-offs (x) | 25.1471% | 1,615 |
| Efficiency ratio | 72.0588% | 2,330 |
| Assets per employee ($millions) | 4.0868% | 3,812 |
| Cash dividends to net income (ytd only)* | 42.0440% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,299 |
| Loan loss allowance to noncurrent loans | 559.8214% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,502 |
| Noncurrent loans to loans | 0.2366% | 4,183 |
| Net loans and leases to total assets | 71.4340% | 2,295 |
| Net loans and leases to deposits | 92.7651% | 1,390 |
| Net loans and leases to core deposits | 102.3938% | 1,477 |
| Total domestic deposits to total assets | 77.0053% | 4,955 |
| Equity capital to assets | 10.8352% | 2,992 |
| Core capital (leverage) ratio | 11.0318% | 2,373 |
| Tier 1 risk-based capital ratio | 11.7788% | 4,778 |
| Total risk-based capital ratio | 12.8403% | 4,784 |
| Memoranda: | ||
| Average total assets | $124,143,000 | 3,892 |
| Average earning assets | $112,607,670 | 3,932 |
| Average equity | $13,693,670 | 3,933 |
| Average total loans | $92,335,670 | 3,530 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 1,453 |
| Cost of funding earning assets | 0.3345% | 3,710 |
| Net interest margin | 4.1327% | 1,140 |
| Noninterest income to average assets | 0.8442% | 1,419 |
| Noninterest expense to average assets | 3.5092% | 1,025 |
| Loan and lease loss provision to assets | 0.1324% | 1,443 |
| Net operating income to assets | 1.0064% | 2,277 |
| Return on assets (ROA) | 1.0064% | 2,327 |
| Pretax return on assets | 1.0064% | 3,347 |
| Return on Equity (ROE) | 9.0372% | 2,401 |
| Retained earnings to average equity (ytd only) | 3.0917% | 3,869 |
| Net charge-offs to loans | -0.0132% | 4,530 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4986% | 1,983 |
| Assets per employee ($millions) | 3.9508% | 4,096 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,267 |
| Loan loss allowance to noncurrent loans | 37.5789% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 392 |
| Noncurrent loans to loans | 3.6173% | 322 |
| Net loans and leases to total assets | 74.1196% | 1,712 |
| Net loans and leases to deposits | 94.7430% | 1,041 |
| Net loans and leases to core deposits | 101.1116% | 1,437 |
| Total domestic deposits to total assets | 78.2323% | 4,942 |
| Equity capital to assets | 11.0716% | 2,560 |
| Core capital (leverage) ratio | 11.2281% | 2,162 |
| Tier 1 risk-based capital ratio | 11.5999% | 4,975 |
| Total risk-based capital ratio | 12.6692% | 4,979 |
| Memoranda: | ||
| Average total assets | $120,825,500 | 3,984 |
| Average earning assets | $111,210,500 | 3,994 |
| Average equity | $13,455,500 | 3,996 |
| Average total loans | $91,166,500 | 3,572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,230 |
| Cost of funding earning assets | 0.3592% | 3,422 |
| Net interest margin | 4.2624% | 992 |
| Noninterest income to average assets | 0.8637% | 1,523 |
| Noninterest expense to average assets | 3.5865% | 1,034 |
| Loan and lease loss provision to assets | 0.0596% | 3,194 |
| Net operating income to assets | 1.1028% | 1,895 |
| Return on assets (ROA) | 1.1147% | 1,931 |
| Pretax return on assets | 1.1164% | 3,039 |
| Return on Equity (ROE) | 9.7492% | 2,081 |
| Retained earnings to average equity (ytd only) | 4.9118% | 2,397 |
| Net charge-offs to loans | 0.0796% | 2,549 |
| Credit loss provision to net charge-offs | 101.4493% | 2,535 |
| Earnings coverage of net charge-offs (x) | 19.8261% | 1,895 |
| Efficiency ratio | 75.4970% | 2,067 |
| Assets per employee ($millions) | 3.9725% | 4,015 |
| Cash dividends to net income (ytd only)* | 49.6183% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,347 |
| Loan loss allowance to noncurrent loans | 43.7364% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3176% | 536 |
| Noncurrent loans to loans | 3.0586% | 442 |
| Net loans and leases to total assets | 74.7600% | 1,734 |
| Net loans and leases to deposits | 90.3262% | 1,649 |
| Net loans and leases to core deposits | 95.6910% | 1,950 |
| Total domestic deposits to total assets | 82.7667% | 3,839 |
| Equity capital to assets | 11.2028% | 2,416 |
| Core capital (leverage) ratio | 11.1402% | 2,220 |
| Tier 1 risk-based capital ratio | 11.8178% | 4,846 |
| Total risk-based capital ratio | 12.8779% | 4,875 |
| Memoranda: | ||
| Average total assets | $117,524,000 | 4,038 |
| Average earning assets | $107,169,400 | 4,054 |
| Average equity | $13,437,000 | 4,038 |
| Average total loans | $86,648,600 | 3,649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,244 |
| Cost of funding earning assets | 0.3703% | 3,322 |
| Net interest margin | 4.2564% | 1,014 |
| Noninterest income to average assets | 0.8152% | 1,697 |
| Noninterest expense to average assets | 3.5521% | 1,062 |
| Loan and lease loss provision to assets | 0.0797% | 2,622 |
| Net operating income to assets | 1.0554% | 2,172 |
| Return on assets (ROA) | 1.0713% | 2,225 |
| Pretax return on assets | 1.0725% | 3,341 |
| Return on Equity (ROE) | 9.3223% | 2,352 |
| Retained earnings to average equity (ytd only) | 4.8642% | 2,916 |
| Net charge-offs to loans | 0.0980% | 1,967 |
| Credit loss provision to net charge-offs | 111.1111% | 2,213 |
| Earnings coverage of net charge-offs (x) | 15.8408% | 2,157 |
| Efficiency ratio | 75.7649% | 2,010 |
| Assets per employee ($millions) | 3.8053% | 4,291 |
| Cash dividends to net income (ytd only)* | 47.8217% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 2,273 |
| Loan loss allowance to noncurrent loans | 41.4052% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.4855% | 548 |
| Noncurrent loans to loans | 3.3402% | 408 |
| Net loans and leases to total assets | 73.3832% | 1,972 |
| Net loans and leases to deposits | 92.1090% | 1,481 |
| Net loans and leases to core deposits | 99.6833% | 1,666 |
| Total domestic deposits to total assets | 79.6699% | 4,581 |
| Equity capital to assets | 11.6842% | 2,371 |
| Core capital (leverage) ratio | 11.2771% | 2,209 |
| Tier 1 risk-based capital ratio | 11.8683% | 4,877 |
| Total risk-based capital ratio | 12.9518% | 4,881 |
| Memoranda: | ||
| Average total assets | $117,111,000 | 4,068 |
| Average earning assets | $106,567,500 | 4,094 |
| Average equity | $13,458,500 | 4,061 |
| Average total loans | $85,734,750 | 3,692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 1,168 |
| Cost of funding earning assets | 0.3741% | 3,314 |
| Net interest margin | 4.2753% | 975 |
| Noninterest income to average assets | 0.7618% | 1,883 |
| Noninterest expense to average assets | 3.5968% | 1,015 |
| Loan and lease loss provision to assets | 0.1198% | 1,899 |
| Net operating income to assets | 0.9176% | 2,779 |
| Return on assets (ROA) | 0.9416% | 2,810 |
| Pretax return on assets | 0.9433% | 3,797 |
| Return on Equity (ROE) | 8.2395% | 2,866 |
| Retained earnings to average equity (ytd only) | 3.7452% | 3,513 |
| Net charge-offs to loans | 0.1505% | 1,424 |
| Credit loss provision to net charge-offs | 109.3750% | 1,971 |
| Earnings coverage of net charge-offs (x) | 9.4844% | 2,422 |
| Efficiency ratio | 77.5849% | 1,853 |
| Assets per employee ($millions) | 3.8427% | 4,182 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 2,313 |
| Loan loss allowance to noncurrent loans | 41.6982% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.4420% | 581 |
| Noncurrent loans to loans | 3.3483% | 403 |
| Net loans and leases to total assets | 71.9135% | 2,186 |
| Net loans and leases to deposits | 91.0131% | 1,628 |
| Net loans and leases to core deposits | 99.0061% | 1,723 |
| Total domestic deposits to total assets | 79.0145% | 4,784 |
| Equity capital to assets | 11.4275% | 2,620 |
| Core capital (leverage) ratio | 10.8515% | 2,591 |
| Tier 1 risk-based capital ratio | 11.5492% | 5,121 |
| Total risk-based capital ratio | 12.6221% | 5,128 |
| Memoranda: | ||
| Average total assets | $116,827,000 | 4,108 |
| Average earning assets | $105,863,330 | 4,136 |
| Average equity | $13,350,330 | 4,099 |
| Average total loans | $85,053,330 | 3,719 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 1,011 |
| Cost of funding earning assets | 0.3782% | 3,317 |
| Net interest margin | 4.3394% | 849 |
| Noninterest income to average assets | 0.7919% | 1,651 |
| Noninterest expense to average assets | 3.5789% | 1,053 |
| Loan and lease loss provision to assets | 0.1833% | 1,090 |
| Net operating income to assets | 0.9578% | 2,470 |
| Return on assets (ROA) | 0.9578% | 2,591 |
| Pretax return on assets | 0.9578% | 3,631 |
| Return on Equity (ROE) | 8.3819% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.3300% | 4,320 |
| Net charge-offs to loans | -0.0095% | 4,509 |
| Credit loss provision to net charge-offs | -2,650.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8242% | 2,198 |
| Assets per employee ($millions) | 3.7214% | 4,431 |
| Cash dividends to net income (ytd only)* | 72.2022% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,047 |
| Loan loss allowance to noncurrent loans | 47.8211% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 695 |
| Noncurrent loans to loans | 3.1107% | 509 |
| Net loans and leases to total assets | 72.4450% | 1,958 |
| Net loans and leases to deposits | 90.9006% | 1,470 |
| Net loans and leases to core deposits | 100.0156% | 1,483 |
| Total domestic deposits to total assets | 79.6970% | 4,818 |
| Equity capital to assets | 11.5125% | 2,430 |
| Core capital (leverage) ratio | 11.2884% | 2,156 |
| Tier 1 risk-based capital ratio | 12.0105% | 4,910 |
| Total risk-based capital ratio | 13.1869% | 4,867 |
| Memoranda: | ||
| Average total assets | $115,678,000 | 4,159 |
| Average earning assets | $104,715,000 | 4,193 |
| Average equity | $13,219,000 | 4,129 |
| Average total loans | $84,140,000 | 3,753 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,185 |
| Cost of funding earning assets | 0.3843% | 3,328 |
| Net interest margin | 4.2811% | 998 |
| Noninterest income to average assets | 0.7688% | 1,904 |
| Noninterest expense to average assets | 3.2423% | 1,853 |
| Loan and lease loss provision to assets | 0.1753% | 1,300 |
| Net operating income to assets | 1.2058% | 1,524 |
| Return on assets (ROA) | 1.2408% | 1,471 |
| Pretax return on assets | 1.2426% | 2,495 |
| Return on Equity (ROE) | 10.3284% | 1,873 |
| Retained earnings to average equity (ytd only) | -2.0208% | 5,752 |
| Net charge-offs to loans | 0.0533% | 3,137 |
| Credit loss provision to net charge-offs | 464.2857% | 668 |
| Earnings coverage of net charge-offs (x) | 36.6190% | 1,261 |
| Efficiency ratio | 70.1011% | 3,205 |
| Assets per employee ($millions) | 3.9998% | 3,936 |
| Cash dividends to net income (ytd only)* | 119.5652% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 2,228 |
| Loan loss allowance to noncurrent loans | 44.4077% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3432% | 685 |
| Noncurrent loans to loans | 3.2573% | 458 |
| Net loans and leases to total assets | 70.8976% | 2,218 |
| Net loans and leases to deposits | 88.6958% | 1,785 |
| Net loans and leases to core deposits | 97.8511% | 1,685 |
| Total domestic deposits to total assets | 79.9334% | 4,760 |
| Equity capital to assets | 11.3428% | 2,503 |
| Core capital (leverage) ratio | 11.3494% | 2,088 |
| Tier 1 risk-based capital ratio | 12.1639% | 4,853 |
| Total risk-based capital ratio | 13.3102% | 4,813 |
| Memoranda: | ||
| Average total assets | $111,216,400 | 4,238 |
| Average earning assets | $100,185,200 | 4,284 |
| Average equity | $13,361,200 | 4,068 |
| Average total loans | $78,808,400 | 3,868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,174 |
| Cost of funding earning assets | 0.3882% | 3,349 |
| Net interest margin | 4.2745% | 1,012 |
| Noninterest income to average assets | 0.7780% | 1,891 |
| Noninterest expense to average assets | 3.0732% | 2,287 |
| Loan and lease loss provision to assets | 0.2363% | 757 |
| Net operating income to assets | 1.3233% | 1,283 |
| Return on assets (ROA) | 1.3718% | 1,225 |
| Pretax return on assets | 1.3730% | 2,125 |
| Return on Equity (ROE) | 11.2531% | 1,607 |
| Retained earnings to average equity (ytd only) | -2.6641% | 5,909 |
| Net charge-offs to loans | 0.0515% | 2,873 |
| Credit loss provision to net charge-offs | 650.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 42.9323% | 1,169 |
| Efficiency ratio | 66.3180% | 3,835 |
| Assets per employee ($millions) | 4.0805% | 3,738 |
| Cash dividends to net income (ytd only)* | 123.6746% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 2,041 |
| Loan loss allowance to noncurrent loans | 39.8496% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.7829% | 574 |
| Noncurrent loans to loans | 3.8341% | 364 |
| Net loans and leases to total assets | 71.3115% | 2,173 |
| Net loans and leases to deposits | 90.9718% | 1,532 |
| Net loans and leases to core deposits | 100.7799% | 1,453 |
| Total domestic deposits to total assets | 78.3885% | 5,115 |
| Equity capital to assets | 11.9131% | 2,173 |
| Core capital (leverage) ratio | 11.7030% | 1,885 |
| Tier 1 risk-based capital ratio | 12.5187% | 4,742 |
| Total risk-based capital ratio | 13.7101% | 4,688 |
| Memoranda: | ||
| Average total assets | $110,022,000 | 4,305 |
| Average earning assets | $99,253,000 | 4,356 |
| Average equity | $13,412,250 | 4,105 |
| Average total loans | $77,649,500 | 3,932 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,258 |
| Cost of funding earning assets | 0.3881% | 3,390 |
| Net interest margin | 4.2221% | 1,065 |
| Noninterest income to average assets | 0.7948% | 1,802 |
| Noninterest expense to average assets | 2.9808% | 2,614 |
| Loan and lease loss provision to assets | 0.3001% | 515 |
| Net operating income to assets | 1.2912% | 1,350 |
| Return on assets (ROA) | 1.2912% | 1,407 |
| Pretax return on assets | 1.2931% | 2,390 |
| Return on Equity (ROE) | 10.5123% | 1,844 |
| Retained earnings to average equity (ytd only) | 0.1481% | 5,457 |
| Net charge-offs to loans | 0.0780% | 2,272 |
| Credit loss provision to net charge-offs | 550.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,384 |
| Efficiency ratio | 65.1690% | 4,159 |
| Assets per employee ($millions) | 4.3586% | 3,194 |
| Cash dividends to net income (ytd only)* | 98.5915% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 2,210 |
| Loan loss allowance to noncurrent loans | 40.5387% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.6981% | 664 |
| Noncurrent loans to loans | 3.7487% | 447 |
| Net loans and leases to total assets | 70.7123% | 2,207 |
| Net loans and leases to deposits | 91.1318% | 1,468 |
| Net loans and leases to core deposits | 100.2016% | 1,475 |
| Total domestic deposits to total assets | 77.5935% | 5,359 |
| Equity capital to assets | 12.1976% | 1,879 |
| Core capital (leverage) ratio | 11.6689% | 1,862 |
| Tier 1 risk-based capital ratio | 12.7975% | 4,623 |
| Total risk-based capital ratio | 13.9602% | 4,600 |
| Memoranda: | ||
| Average total assets | $109,971,670 | 4,344 |
| Average earning assets | $98,435,000 | 4,411 |
| Average equity | $13,508,000 | 4,122 |
| Average total loans | $76,937,670 | 3,979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 1,063 |
| Cost of funding earning assets | 0.3807% | 3,518 |
| Net interest margin | 4.3023% | 874 |
| Noninterest income to average assets | 0.7712% | 1,823 |
| Noninterest expense to average assets | 2.8676% | 3,011 |
| Loan and lease loss provision to assets | 0.3005% | 485 |
| Net operating income to assets | 1.4085% | 1,017 |
| Return on assets (ROA) | 1.4085% | 1,073 |
| Pretax return on assets | 1.4085% | 1,860 |
| Return on Equity (ROE) | 11.4273% | 1,508 |
| Retained earnings to average equity (ytd only) | 4.0833% | 3,554 |
| Net charge-offs to loans | -0.0105% | 4,735 |
| Credit loss provision to net charge-offs | -4,150.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6582% | 4,681 |
| Assets per employee ($millions) | 4.2074% | 3,551 |
| Cash dividends to net income (ytd only)* | 64.2674% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,396 |
| Loan loss allowance to noncurrent loans | 534.7418% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 5,154 |
| Noncurrent loans to loans | 0.2829% | 4,761 |
| Net loans and leases to total assets | 67.7956% | 2,481 |
| Net loans and leases to deposits | 87.6579% | 1,653 |
| Net loans and leases to core deposits | 97.6356% | 1,506 |
| Total domestic deposits to total assets | 77.3411% | 5,560 |
| Equity capital to assets | 12.5503% | 1,662 |
| Core capital (leverage) ratio | 12.2132% | 1,501 |
| Tier 1 risk-based capital ratio | 13.3312% | 4,409 |
| Total risk-based capital ratio | 14.4801% | 4,395 |
| Memoranda: | ||
| Average total assets | $110,475,500 | 4,357 |
| Average earning assets | $97,714,500 | 4,467 |
| Average equity | $13,616,500 | 4,137 |
| Average total loans | $76,286,500 | 4,011 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 936 |
| Cost of funding earning assets | 0.3951% | 3,741 |
| Net interest margin | 4.4983% | 750 |
| Noninterest income to average assets | 0.7885% | 1,914 |
| Noninterest expense to average assets | 3.0572% | 2,662 |
| Loan and lease loss provision to assets | 0.1137% | 2,274 |
| Net operating income to assets | 1.6613% | 625 |
| Return on assets (ROA) | 1.7058% | 596 |
| Pretax return on assets | 1.7077% | 971 |
| Return on Equity (ROE) | 13.8139% | 968 |
| Retained earnings to average equity (ytd only) | 5.7558% | 2,095 |
| Net charge-offs to loans | 0.0781% | 3,375 |
| Credit loss provision to net charge-offs | 206.8966% | 1,195 |
| Earnings coverage of net charge-offs (x) | 32.3276% | 1,264 |
| Efficiency ratio | 63.2425% | 4,713 |
| Assets per employee ($millions) | 4.4624% | 3,094 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 3,114 |
| Loan loss allowance to noncurrent loans | 721.9178% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 5,447 |
| Noncurrent loans to loans | 0.1889% | 5,155 |
| Net loans and leases to total assets | 68.3199% | 2,510 |
| Net loans and leases to deposits | 87.8025% | 1,756 |
| Net loans and leases to core deposits | 97.5141% | 1,591 |
| Total domestic deposits to total assets | 77.8108% | 5,469 |
| Equity capital to assets | 12.1048% | 1,946 |
| Core capital (leverage) ratio | 11.8328% | 1,746 |
| Tier 1 risk-based capital ratio | 12.2905% | 5,164 |
| Total risk-based capital ratio | 13.2811% | 5,247 |
| Memoranda: | ||
| Average total assets | $105,521,800 | 4,468 |
| Average earning assets | $94,902,600 | 4,536 |
| Average equity | $13,030,400 | 4,188 |
| Average total loans | $74,260,200 | 4,048 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 1,111 |
| Cost of funding earning assets | 0.3895% | 3,906 |
| Net interest margin | 4.4077% | 874 |
| Noninterest income to average assets | 0.8025% | 1,888 |
| Noninterest expense to average assets | 3.0175% | 2,745 |
| Loan and lease loss provision to assets | 0.1154% | 2,130 |
| Net operating income to assets | 1.6575% | 668 |
| Return on assets (ROA) | 1.7164% | 621 |
| Pretax return on assets | 1.7177% | 1,031 |
| Return on Equity (ROE) | 13.8266% | 1,020 |
| Retained earnings to average equity (ytd only) | 5.5658% | 2,692 |
| Net charge-offs to loans | 0.0834% | 3,012 |
| Credit loss provision to net charge-offs | 195.6522% | 1,288 |
| Earnings coverage of net charge-offs (x) | 30.0879% | 1,370 |
| Efficiency ratio | 62.9749% | 4,729 |
| Assets per employee ($millions) | 4.5033% | 2,967 |
| Cash dividends to net income (ytd only)* | 59.7460% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 3,302 |
| Loan loss allowance to noncurrent loans | 647.5000% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 5,567 |
| Noncurrent loans to loans | 0.2115% | 5,271 |
| Net loans and leases to total assets | 69.0338% | 2,360 |
| Net loans and leases to deposits | 87.2694% | 1,756 |
| Net loans and leases to core deposits | 98.0588% | 1,524 |
| Total domestic deposits to total assets | 79.1042% | 5,304 |
| Equity capital to assets | 12.2956% | 1,832 |
| Core capital (leverage) ratio | 12.2536% | 1,544 |
| Tier 1 risk-based capital ratio | 12.2881% | 5,308 |
| Total risk-based capital ratio | 13.2775% | 5,379 |
| Memoranda: | ||
| Average total assets | $104,012,500 | 4,547 |
| Average earning assets | $94,135,250 | 4,598 |
| Average equity | $12,912,000 | 4,240 |
| Average total loans | $73,507,500 | 4,104 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 1,125 |
| Cost of funding earning assets | 0.3856% | 4,046 |
| Net interest margin | 4.3868% | 871 |
| Noninterest income to average assets | 0.8066% | 1,814 |
| Noninterest expense to average assets | 3.0042% | 2,812 |
| Loan and lease loss provision to assets | 0.1169% | 2,087 |
| Net operating income to assets | 1.6735% | 612 |
| Return on assets (ROA) | 1.7047% | 596 |
| Pretax return on assets | 1.7067% | 1,005 |
| Return on Equity (ROE) | 13.6865% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.3015% | 3,435 |
| Net charge-offs to loans | 0.0110% | 4,038 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 296 |
| Efficiency ratio | 62.6320% | 4,919 |
| Assets per employee ($millions) | 4.3309% | 3,210 |
| Cash dividends to net income (ytd only)* | 68.5714% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 3,377 |
| Loan loss allowance to noncurrent loans | 369.0141% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,249 |
| Noncurrent loans to loans | 0.3781% | 4,858 |
| Net loans and leases to total assets | 71.2551% | 1,875 |
| Net loans and leases to deposits | 90.6325% | 1,312 |
| Net loans and leases to core deposits | 101.0202% | 1,203 |
| Total domestic deposits to total assets | 78.6198% | 5,528 |
| Equity capital to assets | 12.4897% | 1,653 |
| Core capital (leverage) ratio | 12.1300% | 1,584 |
| Tier 1 risk-based capital ratio | 12.0665% | 5,506 |
| Total risk-based capital ratio | 13.0700% | 5,566 |
| Memoranda: | ||
| Average total assets | $102,657,000 | 4,617 |
| Average earning assets | $93,370,000 | 4,649 |
| Average equity | $12,786,330 | 4,270 |
| Average total loans | $72,794,330 | 4,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 1,201 |
| Cost of funding earning assets | 0.3809% | 4,189 |
| Net interest margin | 4.3460% | 906 |
| Noninterest income to average assets | 0.8509% | 1,555 |
| Noninterest expense to average assets | 2.9015% | 3,211 |
| Loan and lease loss provision to assets | 0.1176% | 2,011 |
| Net operating income to assets | 1.7684% | 506 |
| Return on assets (ROA) | 1.7684% | 520 |
| Pretax return on assets | 1.7684% | 842 |
| Return on Equity (ROE) | 14.2176% | 906 |
| Retained earnings to average equity (ytd only) | 7.9127% | 1,626 |
| Net charge-offs to loans | 0.0112% | 3,400 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 240.5000% | 206 |
| Efficiency ratio | 60.6061% | 5,320 |
| Assets per employee ($millions) | 4.0653% | 3,790 |
| Cash dividends to net income (ytd only)* | 44.3459% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 3,549 |
| Loan loss allowance to noncurrent loans | 404.7619% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 5,422 |
| Noncurrent loans to loans | 0.3486% | 5,069 |
| Net loans and leases to total assets | 70.1324% | 1,865 |
| Net loans and leases to deposits | 89.0184% | 1,254 |
| Net loans and leases to core deposits | 93.3642% | 1,606 |
| Total domestic deposits to total assets | 78.7842% | 5,718 |
| Equity capital to assets | 12.6643% | 1,476 |
| Core capital (leverage) ratio | 12.6552% | 1,317 |
| Tier 1 risk-based capital ratio | 12.5495% | 5,283 |
| Total risk-based capital ratio | 13.5671% | 5,359 |
| Memoranda: | ||
| Average total assets | $102,014,500 | 4,687 |
| Average earning assets | $92,407,500 | 4,713 |
| Average equity | $12,688,500 | 4,300 |
| Average total loans | $71,635,500 | 4,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 904 |
| Cost of funding earning assets | 0.4610% | 4,015 |
| Net interest margin | 4.5495% | 669 |
| Noninterest income to average assets | 0.8699% | 1,786 |
| Noninterest expense to average assets | 3.0066% | 3,036 |
| Loan and lease loss provision to assets | 0.1827% | 2,018 |
| Net operating income to assets | 1.8251% | 462 |
| Return on assets (ROA) | 1.8251% | 468 |
| Pretax return on assets | 1.8281% | 707 |
| Return on Equity (ROE) | 14.2674% | 893 |
| Retained earnings to average equity (ytd only) | 0.5793% | 5,581 |
| Net charge-offs to loans | 0.0827% | 4,056 |
| Credit loss provision to net charge-offs | 321.4286% | 722 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 1,051 |
| Efficiency ratio | 59.9231% | 5,484 |
| Assets per employee ($millions) | 4.0959% | 3,664 |
| Cash dividends to net income (ytd only)* | 95.9399% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 3,665 |
| Loan loss allowance to noncurrent loans | 423.9316% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 5,575 |
| Noncurrent loans to loans | 0.3297% | 5,195 |
| Net loans and leases to total assets | 68.3438% | 2,294 |
| Net loans and leases to deposits | 84.5112% | 1,864 |
| Net loans and leases to core deposits | 88.4930% | 2,191 |
| Total domestic deposits to total assets | 80.8696% | 5,215 |
| Equity capital to assets | 12.2132% | 1,674 |
| Core capital (leverage) ratio | 12.3197% | 1,440 |
| Tier 1 risk-based capital ratio | 12.2289% | 5,471 |
| Total risk-based capital ratio | 13.2130% | 5,574 |
| Memoranda: | ||
| Average total assets | $98,515,200 | 4,778 |
| Average earning assets | $89,811,400 | 4,774 |
| Average equity | $12,602,200 | 4,332 |
| Average total loans | $67,717,600 | 4,350 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 885 |
| Cost of funding earning assets | 0.4820% | 3,945 |
| Net interest margin | 4.5473% | 683 |
| Noninterest income to average assets | 0.8844% | 1,809 |
| Noninterest expense to average assets | 3.0467% | 2,828 |
| Loan and lease loss provision to assets | 0.1845% | 1,971 |
| Net operating income to assets | 1.8138% | 510 |
| Return on assets (ROA) | 1.8138% | 529 |
| Pretax return on assets | 1.8179% | 863 |
| Return on Equity (ROE) | 14.0128% | 995 |
| Retained earnings to average equity (ytd only) | -2.6188% | 6,326 |
| Net charge-offs to loans | 0.0578% | 4,077 |
| Credit loss provision to net charge-offs | 465.5172% | 575 |
| Earnings coverage of net charge-offs (x) | 50.5115% | 861 |
| Efficiency ratio | 60.3411% | 5,382 |
| Assets per employee ($millions) | 3.8799% | 4,071 |
| Cash dividends to net income (ytd only)* | 118.6889% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,782 |
| Loan loss allowance to noncurrent loans | 196.7677% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 4,826 |
| Noncurrent loans to loans | 0.7243% | 4,401 |
| Net loans and leases to total assets | 69.4530% | 2,056 |
| Net loans and leases to deposits | 86.5412% | 1,553 |
| Net loans and leases to core deposits | 91.4543% | 1,825 |
| Total domestic deposits to total assets | 80.2542% | 5,442 |
| Equity capital to assets | 12.6735% | 1,489 |
| Core capital (leverage) ratio | 12.3975% | 1,472 |
| Tier 1 risk-based capital ratio | 12.2846% | 5,580 |
| Total risk-based capital ratio | 13.2812% | 5,697 |
| Memoranda: | ||
| Average total assets | $97,544,750 | 4,844 |
| Average earning assets | $89,340,750 | 4,835 |
| Average equity | $12,626,250 | 4,375 |
| Average total loans | $66,903,500 | 4,411 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 897 |
| Cost of funding earning assets | 0.4888% | 4,001 |
| Net interest margin | 4.5200% | 685 |
| Noninterest income to average assets | 0.9087% | 1,789 |
| Noninterest expense to average assets | 3.0636% | 2,781 |
| Loan and lease loss provision to assets | 0.1842% | 2,059 |
| Net operating income to assets | 1.7989% | 521 |
| Return on assets (ROA) | 1.7989% | 560 |
| Pretax return on assets | 1.8050% | 918 |
| Return on Equity (ROE) | 13.8020% | 1,052 |
| Retained earnings to average equity (ytd only) | -10.9285% | 6,686 |
| Net charge-offs to loans | 0.0873% | 3,494 |
| Credit loss provision to net charge-offs | 310.3448% | 829 |
| Earnings coverage of net charge-offs (x) | 33.5172% | 1,057 |
| Efficiency ratio | 60.6318% | 5,387 |
| Assets per employee ($millions) | 3.8688% | 4,070 |
| Cash dividends to net income (ytd only)* | 179.1809% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,153 |
| Loan loss allowance to noncurrent loans | 219.6217% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,103 |
| Noncurrent loans to loans | 0.6255% | 4,689 |
| Net loans and leases to total assets | 68.9596% | 2,068 |
| Net loans and leases to deposits | 82.0462% | 2,056 |
| Net loans and leases to core deposits | 87.7985% | 2,132 |
| Total domestic deposits to total assets | 84.0497% | 4,292 |
| Equity capital to assets | 12.1817% | 1,784 |
| Core capital (leverage) ratio | 11.6215% | 1,845 |
| Tier 1 risk-based capital ratio | 12.1059% | 5,730 |
| Total risk-based capital ratio | 13.0787% | 5,848 |
| Memoranda: | ||
| Average total assets | $97,727,000 | 4,867 |
| Average earning assets | $89,602,330 | 4,855 |
| Average equity | $12,737,330 | 4,388 |
| Average total loans | $66,424,000 | 4,447 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 969 |
| Cost of funding earning assets | 0.5091% | 3,987 |
| Net interest margin | 4.4478% | 739 |
| Noninterest income to average assets | 0.8796% | 1,831 |
| Noninterest expense to average assets | 3.0011% | 2,988 |
| Loan and lease loss provision to assets | 0.1832% | 2,012 |
| Net operating income to assets | 1.7388% | 533 |
| Return on assets (ROA) | 1.7388% | 590 |
| Pretax return on assets | 1.7510% | 970 |
| Return on Equity (ROE) | 12.9247% | 1,191 |
| Retained earnings to average equity (ytd only) | 7.6277% | 1,886 |
| Net charge-offs to loans | 0.1398% | 2,569 |
| Credit loss provision to net charge-offs | 195.6522% | 1,112 |
| Earnings coverage of net charge-offs (x) | 20.6522% | 1,181 |
| Efficiency ratio | 60.8086% | 5,476 |
| Assets per employee ($millions) | 3.9088% | 4,140 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 4,462 |
| Loan loss allowance to noncurrent loans | 101.9473% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 4,050 |
| Noncurrent loans to loans | 1.3251% | 3,575 |
| Net loans and leases to total assets | 66.5080% | 2,279 |
| Net loans and leases to deposits | 80.3807% | 2,032 |
| Net loans and leases to core deposits | 86.6016% | 2,049 |
| Total domestic deposits to total assets | 82.7413% | 4,939 |
| Equity capital to assets | 13.5961% | 1,180 |
| Core capital (leverage) ratio | 12.6985% | 1,250 |
| Tier 1 risk-based capital ratio | 13.6095% | 4,786 |
| Total risk-based capital ratio | 14.5780% | 4,944 |
| Memoranda: | ||
| Average total assets | $98,231,000 | 4,900 |
| Average earning assets | $89,572,500 | 4,897 |
| Average equity | $13,215,000 | 4,346 |
| Average total loans | $65,823,000 | 4,498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3692% | 808 |
| Cost of funding earning assets | 0.6276% | 4,119 |
| Net interest margin | 4.7415% | 607 |
| Noninterest income to average assets | 0.8989% | 1,855 |
| Noninterest expense to average assets | 3.0630% | 3,035 |
| Loan and lease loss provision to assets | 0.3631% | 1,822 |
| Net operating income to assets | 1.8452% | 478 |
| Return on assets (ROA) | 1.8452% | 534 |
| Pretax return on assets | 1.8462% | 839 |
| Return on Equity (ROE) | 13.9579% | 998 |
| Retained earnings to average equity (ytd only) | 8.1852% | 1,064 |
| Net charge-offs to loans | 0.2180% | 3,645 |
| Credit loss provision to net charge-offs | 241.2587% | 1,032 |
| Earnings coverage of net charge-offs (x) | 14.6783% | 1,717 |
| Efficiency ratio | 58.0954% | 5,815 |
| Assets per employee ($millions) | 3.7978% | 4,368 |
| Cash dividends to net income (ytd only)* | 41.3577% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,529 |
| Loan loss allowance to noncurrent loans | 93.4338% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 4,058 |
| Noncurrent loans to loans | 1.4126% | 3,479 |
| Net loans and leases to total assets | 65.7231% | 2,571 |
| Net loans and leases to deposits | 79.4489% | 2,358 |
| Net loans and leases to core deposits | 86.2602% | 2,283 |
| Total domestic deposits to total assets | 82.7238% | 4,839 |
| Equity capital to assets | 13.3113% | 1,310 |
| Core capital (leverage) ratio | 12.2604% | 1,421 |
| Tier 1 risk-based capital ratio | 13.3134% | 4,888 |
| Total risk-based capital ratio | 14.2564% | 5,042 |
| Memoranda: | ||
| Average total assets | $95,005,000 | 4,967 |
| Average earning assets | $87,630,000 | 4,925 |
| Average equity | $12,559,200 | 4,449 |
| Average total loans | $65,600,200 | 4,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 813 |
| Cost of funding earning assets | 0.6504% | 4,198 |
| Net interest margin | 4.7620% | 596 |
| Noninterest income to average assets | 0.9000% | 1,825 |
| Noninterest expense to average assets | 3.0104% | 3,197 |
| Loan and lease loss provision to assets | 0.4465% | 1,408 |
| Net operating income to assets | 1.8624% | 504 |
| Return on assets (ROA) | 1.8624% | 574 |
| Pretax return on assets | 1.8638% | 935 |
| Return on Equity (ROE) | 14.1139% | 1,086 |
| Retained earnings to average equity (ytd only) | 6.3265% | 2,469 |
| Net charge-offs to loans | 0.1566% | 3,868 |
| Credit loss provision to net charge-offs | 409.0909% | 659 |
| Earnings coverage of net charge-offs (x) | 21.1697% | 1,416 |
| Efficiency ratio | 56.5796% | 5,984 |
| Assets per employee ($millions) | 3.7922% | 4,319 |
| Cash dividends to net income (ytd only)* | 55.1748% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,570 |
| Loan loss allowance to noncurrent loans | 85.4442% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 3,834 |
| Noncurrent loans to loans | 1.5817% | 3,415 |
| Net loans and leases to total assets | 69.6018% | 1,993 |
| Net loans and leases to deposits | 84.9317% | 1,741 |
| Net loans and leases to core deposits | 92.5937% | 1,721 |
| Total domestic deposits to total assets | 81.9503% | 5,046 |
| Equity capital to assets | 13.5193% | 1,340 |
| Core capital (leverage) ratio | 12.4303% | 1,437 |
| Tier 1 risk-based capital ratio | 12.9319% | 5,306 |
| Total risk-based capital ratio | 13.9214% | 5,466 |
| Memoranda: | ||
| Average total assets | $94,070,500 | 5,036 |
| Average earning assets | $87,327,500 | 4,980 |
| Average equity | $12,413,000 | 4,523 |
| Average total loans | $65,559,000 | 4,571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 951 |
| Cost of funding earning assets | 0.6761% | 4,215 |
| Net interest margin | 4.6776% | 706 |
| Noninterest income to average assets | 0.8271% | 2,065 |
| Noninterest expense to average assets | 2.9544% | 3,426 |
| Loan and lease loss provision to assets | 0.4796% | 1,321 |
| Net operating income to assets | 1.7564% | 608 |
| Return on assets (ROA) | 1.7564% | 681 |
| Pretax return on assets | 1.7586% | 1,118 |
| Return on Equity (ROE) | 13.4220% | 1,250 |
| Retained earnings to average equity (ytd only) | 4.4631% | 3,631 |
| Net charge-offs to loans | 0.1996% | 3,385 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 16.1538% | 1,608 |
| Efficiency ratio | 56.8966% | 6,016 |
| Assets per employee ($millions) | 4.1097% | 3,645 |
| Cash dividends to net income (ytd only)* | 66.7476% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,143 |
| Loan loss allowance to noncurrent loans | 70.0594% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 3,717 |
| Noncurrent loans to loans | 1.7776% | 3,250 |
| Net loans and leases to total assets | 69.2935% | 2,057 |
| Net loans and leases to deposits | 81.1455% | 2,212 |
| Net loans and leases to core deposits | 88.4261% | 2,162 |
| Total domestic deposits to total assets | 85.3942% | 3,667 |
| Equity capital to assets | 13.1512% | 1,449 |
| Core capital (leverage) ratio | 11.9375% | 1,635 |
| Tier 1 risk-based capital ratio | 13.3205% | 4,952 |
| Total risk-based capital ratio | 14.2773% | 5,142 |
| Memoranda: | ||
| Average total assets | $93,825,670 | 5,074 |
| Average earning assets | $87,566,330 | 5,004 |
| Average equity | $12,278,330 | 4,546 |
| Average total loans | $65,115,330 | 4,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 995 |
| Cost of funding earning assets | 0.7114% | 4,186 |
| Net interest margin | 4.6448% | 755 |
| Noninterest income to average assets | 0.8558% | 1,923 |
| Noninterest expense to average assets | 2.9697% | 3,390 |
| Loan and lease loss provision to assets | 0.5777% | 999 |
| Net operating income to assets | 1.6346% | 817 |
| Return on assets (ROA) | 1.6346% | 912 |
| Pretax return on assets | 1.6389% | 1,456 |
| Return on Equity (ROE) | 12.5225% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.9662% | 2,976 |
| Net charge-offs to loans | 0.3534% | 2,243 |
| Credit loss provision to net charge-offs | 236.8421% | 1,193 |
| Earnings coverage of net charge-offs (x) | 9.0877% | 1,884 |
| Efficiency ratio | 57.2607% | 6,010 |
| Assets per employee ($millions) | 3.9103% | 4,181 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,682 |
| Loan loss allowance to noncurrent loans | 62.8378% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 3,817 |
| Noncurrent loans to loans | 1.8437% | 3,351 |
| Net loans and leases to total assets | 67.6360% | 2,183 |
| Net loans and leases to deposits | 79.2071% | 2,311 |
| Net loans and leases to core deposits | 86.0002% | 2,288 |
| Total domestic deposits to total assets | 85.3913% | 3,839 |
| Equity capital to assets | 13.0861% | 1,405 |
| Core capital (leverage) ratio | 12.2138% | 1,476 |
| Tier 1 risk-based capital ratio | 13.7009% | 4,677 |
| Total risk-based capital ratio | 14.5943% | 4,931 |
| Memoranda: | ||
| Average total assets | $93,476,500 | 5,110 |
| Average earning assets | $87,151,500 | 5,049 |
| Average equity | $12,202,000 | 4,569 |
| Average total loans | $64,510,500 | 4,639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5729% | 1,006 |
| Cost of funding earning assets | 0.8923% | 4,176 |
| Net interest margin | 4.6806% | 782 |
| Noninterest income to average assets | 0.6922% | 2,648 |
| Noninterest expense to average assets | 3.0289% | 3,486 |
| Loan and lease loss provision to assets | 0.2275% | 3,925 |
| Net operating income to assets | 1.7885% | 466 |
| Return on assets (ROA) | 1.7885% | 507 |
| Pretax return on assets | 1.7885% | 819 |
| Return on Equity (ROE) | 14.3755% | 846 |
| Retained earnings to average equity (ytd only) | 5.6684% | 2,193 |
| Net charge-offs to loans | 0.6370% | 2,548 |
| Credit loss provision to net charge-offs | 52.3691% | 5,368 |
| Earnings coverage of net charge-offs (x) | 4.6409% | 3,036 |
| Efficiency ratio | 60.0387% | 5,751 |
| Assets per employee ($millions) | 3.8794% | 4,130 |
| Cash dividends to net income (ytd only)* | 60.5694% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,082 |
| Loan loss allowance to noncurrent loans | 107.9417% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 5,080 |
| Noncurrent loans to loans | 0.9521% | 4,798 |
| Net loans and leases to total assets | 68.8857% | 2,228 |
| Net loans and leases to deposits | 81.9986% | 2,199 |
| Net loans and leases to core deposits | 88.8027% | 2,276 |
| Total domestic deposits to total assets | 84.0084% | 4,311 |
| Equity capital to assets | 13.0208% | 1,474 |
| Core capital (leverage) ratio | 12.0969% | 1,540 |
| Tier 1 risk-based capital ratio | 13.5255% | 4,677 |
| Total risk-based capital ratio | 14.3279% | 4,977 |
| Memoranda: | ||
| Average total assets | $92,309,800 | 5,120 |
| Average earning assets | $85,843,400 | 5,058 |
| Average equity | $11,484,800 | 4,663 |
| Average total loans | $62,954,400 | 4,753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 1,182 |
| Cost of funding earning assets | 0.9261% | 4,227 |
| Net interest margin | 4.6042% | 932 |
| Noninterest income to average assets | 0.6803% | 2,719 |
| Noninterest expense to average assets | 2.9934% | 3,573 |
| Loan and lease loss provision to assets | 0.1954% | 4,068 |
| Net operating income to assets | 1.7804% | 539 |
| Return on assets (ROA) | 1.7804% | 588 |
| Pretax return on assets | 1.7804% | 991 |
| Return on Equity (ROE) | 14.4806% | 944 |
| Retained earnings to average equity (ytd only) | 5.0623% | 3,133 |
| Net charge-offs to loans | 0.0299% | 5,728 |
| Credit loss provision to net charge-offs | 964.2857% | 276 |
| Earnings coverage of net charge-offs (x) | 97.4799% | 373 |
| Efficiency ratio | 60.2389% | 5,677 |
| Assets per employee ($millions) | 3.7920% | 4,323 |
| Cash dividends to net income (ytd only)* | 65.0406% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,935 |
| Loan loss allowance to noncurrent loans | 61.7814% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 3,409 |
| Noncurrent loans to loans | 2.4853% | 2,787 |
| Net loans and leases to total assets | 68.9137% | 2,296 |
| Net loans and leases to deposits | 83.9495% | 2,009 |
| Net loans and leases to core deposits | 91.4055% | 2,065 |
| Total domestic deposits to total assets | 82.0895% | 5,059 |
| Equity capital to assets | 13.0747% | 1,580 |
| Core capital (leverage) ratio | 12.3937% | 1,485 |
| Tier 1 risk-based capital ratio | 13.4809% | 4,749 |
| Total risk-based capital ratio | 14.6789% | 4,760 |
| Memoranda: | ||
| Average total assets | $92,111,000 | 5,169 |
| Average earning assets | $85,802,750 | 5,097 |
| Average equity | $11,325,250 | 4,727 |
| Average total loans | $62,492,500 | 4,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 1,354 |
| Cost of funding earning assets | 0.9535% | 4,288 |
| Net interest margin | 4.5197% | 1,086 |
| Noninterest income to average assets | 0.5969% | 3,167 |
| Noninterest expense to average assets | 2.9737% | 3,739 |
| Loan and lease loss provision to assets | 0.2271% | 3,647 |
| Net operating income to assets | 1.6198% | 706 |
| Return on assets (ROA) | 1.6198% | 748 |
| Pretax return on assets | 1.6198% | 1,219 |
| Return on Equity (ROE) | 13.4543% | 1,099 |
| Retained earnings to average equity (ytd only) | 2.6765% | 4,589 |
| Net charge-offs to loans | 0.0193% | 5,570 |
| Credit loss provision to net charge-offs | 1,750.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 142.3333% | 251 |
| Efficiency ratio | 61.6869% | 5,630 |
| Assets per employee ($millions) | 3.8959% | 4,000 |
| Cash dividends to net income (ytd only)* | 80.1068% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,915 |
| Loan loss allowance to noncurrent loans | 60.6984% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 3,491 |
| Noncurrent loans to loans | 2.5480% | 2,835 |
| Net loans and leases to total assets | 67.9159% | 2,632 |
| Net loans and leases to deposits | 80.6339% | 2,680 |
| Net loans and leases to core deposits | 89.0319% | 2,493 |
| Total domestic deposits to total assets | 84.2274% | 4,251 |
| Equity capital to assets | 12.7270% | 1,658 |
| Core capital (leverage) ratio | 11.5438% | 1,887 |
| Tier 1 risk-based capital ratio | 13.5249% | 4,506 |
| Total risk-based capital ratio | 14.7305% | 4,520 |
| Memoranda: | ||
| Average total assets | $92,478,670 | 5,192 |
| Average earning assets | $86,422,000 | 5,116 |
| Average equity | $11,134,000 | 4,774 |
| Average total loans | $62,091,670 | 4,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 1,645 |
| Cost of funding earning assets | 1.0009% | 4,197 |
| Net interest margin | 4.3785% | 1,343 |
| Noninterest income to average assets | 0.6900% | 2,629 |
| Noninterest expense to average assets | 2.9814% | 3,724 |
| Loan and lease loss provision to assets | 0.3194% | 2,633 |
| Net operating income to assets | 1.4694% | 935 |
| Return on assets (ROA) | 1.4694% | 976 |
| Pretax return on assets | 1.4694% | 1,535 |
| Return on Equity (ROE) | 12.5466% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.3640% | 3,549 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,594 |
| Assets per employee ($millions) | 3.9453% | 3,958 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 4,080 |
| Loan loss allowance to noncurrent loans | 49.4168% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.2679% | 2,984 |
| Noncurrent loans to loans | 3.0875% | 2,429 |
| Net loans and leases to total assets | 66.2905% | 2,933 |
| Net loans and leases to deposits | 78.8419% | 2,923 |
| Net loans and leases to core deposits | 87.3088% | 2,697 |
| Total domestic deposits to total assets | 84.0803% | 4,461 |
| Equity capital to assets | 12.2092% | 1,787 |
| Core capital (leverage) ratio | 11.6122% | 1,790 |
| Tier 1 risk-based capital ratio | 13.5985% | 4,360 |
| Total risk-based capital ratio | 14.7834% | 4,369 |
| Memoranda: | ||
| Average total assets | $93,915,500 | 5,174 |
| Average earning assets | $87,519,000 | 5,108 |
| Average equity | $10,999,000 | 4,800 |
| Average total loans | $62,231,500 | 4,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0526% | 771 |
| Cost of funding earning assets | 1.2915% | 3,934 |
| Net interest margin | 4.7611% | 715 |
| Noninterest income to average assets | 0.7479% | 2,553 |
| Noninterest expense to average assets | 3.0661% | 3,603 |
| Loan and lease loss provision to assets | 0.3172% | 4,271 |
| Net operating income to assets | 1.7195% | 494 |
| Return on assets (ROA) | 1.7195% | 537 |
| Pretax return on assets | 1.7217% | 902 |
| Return on Equity (ROE) | 14.5727% | 780 |
| Retained earnings to average equity (ytd only) | 8.2060% | 912 |
| Net charge-offs to loans | 0.2126% | 5,014 |
| Credit loss provision to net charge-offs | 212.6866% | 1,433 |
| Earnings coverage of net charge-offs (x) | 13.6716% | 1,394 |
| Efficiency ratio | 60.0610% | 6,036 |
| Assets per employee ($millions) | 4.4131% | 3,002 |
| Cash dividends to net income (ytd only)* | 43.6893% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 4,736 |
| Loan loss allowance to noncurrent loans | 62.6920% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7015% | 3,750 |
| Noncurrent loans to loans | 2.1569% | 3,362 |
| Net loans and leases to total assets | 64.3952% | 3,786 |
| Net loans and leases to deposits | 76.1381% | 3,817 |
| Net loans and leases to core deposits | 84.5276% | 3,521 |
| Total domestic deposits to total assets | 84.5769% | 4,065 |
| Equity capital to assets | 11.2465% | 2,458 |
| Core capital (leverage) ratio | 11.1047% | 2,082 |
| Tier 1 risk-based capital ratio | 13.2385% | 4,422 |
| Total risk-based capital ratio | 14.3113% | 4,518 |
| Memoranda: | ||
| Average total assets | $89,852,800 | 5,294 |
| Average earning assets | $82,228,600 | 5,267 |
| Average equity | $10,602,000 | 4,961 |
| Average total loans | $63,023,800 | 4,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 553 |
| Cost of funding earning assets | 1.3405% | 3,969 |
| Net interest margin | 4.9147% | 539 |
| Noninterest income to average assets | 0.7466% | 2,535 |
| Noninterest expense to average assets | 3.0711% | 3,473 |
| Loan and lease loss provision to assets | 0.3407% | 3,879 |
| Net operating income to assets | 1.8066% | 493 |
| Return on assets (ROA) | 1.8066% | 537 |
| Pretax return on assets | 1.8097% | 909 |
| Return on Equity (ROE) | 15.1161% | 838 |
| Retained earnings to average equity (ytd only) | 8.7808% | 1,126 |
| Net charge-offs to loans | 0.1356% | 5,211 |
| Credit loss provision to net charge-offs | 351.5625% | 892 |
| Earnings coverage of net charge-offs (x) | 22.1879% | 1,104 |
| Efficiency ratio | 58.8167% | 6,143 |
| Assets per employee ($millions) | 3.8300% | 4,195 |
| Cash dividends to net income (ytd only)* | 41.9111% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,664 |
| Loan loss allowance to noncurrent loans | 119.0934% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 5,078 |
| Noncurrent loans to loans | 1.1430% | 4,953 |
| Net loans and leases to total assets | 71.3211% | 2,400 |
| Net loans and leases to deposits | 87.9226% | 2,020 |
| Net loans and leases to core deposits | 98.8327% | 1,953 |
| Total domestic deposits to total assets | 81.1180% | 5,324 |
| Equity capital to assets | 12.5566% | 1,829 |
| Core capital (leverage) ratio | 11.8502% | 1,738 |
| Tier 1 risk-based capital ratio | 13.0477% | 4,546 |
| Total risk-based capital ratio | 14.1355% | 4,650 |
| Memoranda: | ||
| Average total assets | $88,044,000 | 5,411 |
| Average earning assets | $80,165,750 | 5,400 |
| Average equity | $10,522,750 | 5,050 |
| Average total loans | $62,935,500 | 5,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2723% | 537 |
| Cost of funding earning assets | 1.3621% | 4,104 |
| Net interest margin | 4.9102% | 526 |
| Noninterest income to average assets | 0.6952% | 2,735 |
| Noninterest expense to average assets | 3.0694% | 3,432 |
| Loan and lease loss provision to assets | 0.3408% | 3,694 |
| Net operating income to assets | 1.7358% | 543 |
| Return on assets (ROA) | 1.7358% | 596 |
| Pretax return on assets | 1.7403% | 981 |
| Return on Equity (ROE) | 14.7728% | 895 |
| Retained earnings to average equity (ytd only) | 8.0052% | 1,436 |
| Net charge-offs to loans | 0.2393% | 4,167 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 12.2133% | 1,695 |
| Efficiency ratio | 59.5942% | 6,120 |
| Assets per employee ($millions) | 3.8127% | 4,194 |
| Cash dividends to net income (ytd only)* | 45.8115% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 5,345 |
| Loan loss allowance to noncurrent loans | 80.1026% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7927% | 3,765 |
| Noncurrent loans to loans | 1.5250% | 4,425 |
| Net loans and leases to total assets | 72.0199% | 2,400 |
| Net loans and leases to deposits | 89.5828% | 1,924 |
| Net loans and leases to core deposits | 101.2132% | 1,904 |
| Total domestic deposits to total assets | 80.3948% | 5,594 |
| Equity capital to assets | 12.1141% | 2,035 |
| Core capital (leverage) ratio | 11.1722% | 2,121 |
| Tier 1 risk-based capital ratio | 13.0133% | 4,424 |
| Total risk-based capital ratio | 14.0177% | 4,600 |
| Memoranda: | ||
| Average total assets | $88,029,000 | 5,449 |
| Average earning assets | $79,875,330 | 5,447 |
| Average equity | $10,343,330 | 5,103 |
| Average total loans | $62,683,000 | 5,073 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2370% | 594 |
| Cost of funding earning assets | 1.4023% | 4,156 |
| Net interest margin | 4.8347% | 592 |
| Noninterest income to average assets | 0.6395% | 2,999 |
| Noninterest expense to average assets | 3.0069% | 3,655 |
| Loan and lease loss provision to assets | 0.3401% | 3,347 |
| Net operating income to assets | 1.6145% | 727 |
| Return on assets (ROA) | 1.6145% | 777 |
| Pretax return on assets | 1.6236% | 1,210 |
| Return on Equity (ROE) | 13.9560% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.1155% | 2,570 |
| Net charge-offs to loans | 0.4705% | 2,636 |
| Credit loss provision to net charge-offs | 102.7397% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.9315% | 2,313 |
| Efficiency ratio | 60.4927% | 6,081 |
| Assets per employee ($millions) | 3.8287% | 4,256 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,815 |
| Loan loss allowance to noncurrent loans | 140.7555% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2491% | 4,683 |
| Noncurrent loans to loans | 0.8112% | 5,688 |
| Net loans and leases to total assets | 69.6108% | 3,030 |
| Net loans and leases to deposits | 84.5004% | 2,855 |
| Net loans and leases to core deposits | 94.6484% | 2,754 |
| Total domestic deposits to total assets | 82.3793% | 4,898 |
| Equity capital to assets | 11.6919% | 2,236 |
| Core capital (leverage) ratio | 11.3371% | 2,011 |
| Tier 1 risk-based capital ratio | 12.8672% | 4,424 |
| Total risk-based capital ratio | 13.7910% | 4,668 |
| Memoranda: | ||
| Average total assets | $88,198,000 | 5,506 |
| Average earning assets | $79,012,500 | 5,542 |
| Average equity | $10,203,500 | 5,177 |
| Average total loans | $62,056,500 | 5,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5130% | 653 |
| Cost of funding earning assets | 1.8791% | 3,565 |
| Net interest margin | 4.6339% | 927 |
| Noninterest income to average assets | 0.7768% | 2,528 |
| Noninterest expense to average assets | 2.9853% | 4,207 |
| Loan and lease loss provision to assets | 0.2647% | 5,291 |
| Net operating income to assets | 1.7378% | 409 |
| Return on assets (ROA) | 1.7378% | 438 |
| Pretax return on assets | 1.7412% | 710 |
| Return on Equity (ROE) | 15.5856% | 595 |
| Retained earnings to average equity (ytd only) | 5.2124% | 1,712 |
| Net charge-offs to loans | 0.2723% | 4,915 |
| Credit loss provision to net charge-offs | 137.7246% | 3,571 |
| Earnings coverage of net charge-offs (x) | 10.4371% | 1,689 |
| Efficiency ratio | 59.8109% | 6,512 |
| Assets per employee ($millions) | 3.8407% | 4,173 |
| Cash dividends to net income (ytd only)* | 66.5563% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,709 |
| Loan loss allowance to noncurrent loans | 121.7241% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 5,034 |
| Noncurrent loans to loans | 0.9339% | 5,446 |
| Net loans and leases to total assets | 69.5070% | 3,361 |
| Net loans and leases to deposits | 86.1052% | 2,899 |
| Net loans and leases to core deposits | 100.6706% | 3,933 |
| Total domestic deposits to total assets | 80.7234% | 5,432 |
| Equity capital to assets | 11.4462% | 2,359 |
| Core capital (leverage) ratio | 11.1445% | 2,145 |
| Tier 1 risk-based capital ratio | 12.7437% | 4,330 |
| Total risk-based capital ratio | 13.6708% | 4,539 |
| Memoranda: | ||
| Average total assets | $86,892,800 | 5,490 |
| Average earning assets | $79,026,800 | 5,490 |
| Average equity | $9,688,400 | 5,386 |
| Average total loans | $61,335,800 | 5,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5136% | 725 |
| Cost of funding earning assets | 1.9692% | 3,521 |
| Net interest margin | 4.5444% | 1,082 |
| Noninterest income to average assets | 0.8135% | 2,364 |
| Noninterest expense to average assets | 3.0015% | 4,036 |
| Loan and lease loss provision to assets | 0.2850% | 4,695 |
| Net operating income to assets | 1.6826% | 579 |
| Return on assets (ROA) | 1.6826% | 614 |
| Pretax return on assets | 1.6872% | 998 |
| Return on Equity (ROE) | 15.1936% | 747 |
| Retained earnings to average equity (ytd only) | 1.2105% | 4,648 |
| Net charge-offs to loans | 0.3075% | 4,113 |
| Credit loss provision to net charge-offs | 131.2057% | 3,813 |
| Earnings coverage of net charge-offs (x) | 9.0778% | 2,153 |
| Efficiency ratio | 60.3470% | 6,361 |
| Assets per employee ($millions) | 3.6910% | 4,447 |
| Cash dividends to net income (ytd only)* | 92.0334% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,670 |
| Loan loss allowance to noncurrent loans | 94.1096% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 4,553 |
| Noncurrent loans to loans | 1.1786% | 4,972 |
| Net loans and leases to total assets | 72.1517% | 2,999 |
| Net loans and leases to deposits | 92.5829% | 2,137 |
| Net loans and leases to core deposits | 105.2567% | 3,790 |
| Total domestic deposits to total assets | 77.9320% | 6,107 |
| Equity capital to assets | 11.5759% | 2,528 |
| Core capital (leverage) ratio | 10.7739% | 2,580 |
| Tier 1 risk-based capital ratio | 12.5049% | 4,535 |
| Total risk-based capital ratio | 13.4299% | 4,757 |
| Memoranda: | ||
| Average total assets | $86,532,250 | 5,536 |
| Average earning assets | $79,216,500 | 5,517 |
| Average equity | $9,582,750 | 5,467 |
| Average total loans | $61,143,500 | 5,240 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5010% | 822 |
| Cost of funding earning assets | 2.0416% | 3,568 |
| Net interest margin | 4.4594% | 1,266 |
| Noninterest income to average assets | 0.8131% | 2,349 |
| Noninterest expense to average assets | 2.9513% | 4,282 |
| Loan and lease loss provision to assets | 0.2526% | 4,554 |
| Net operating income to assets | 1.6881% | 578 |
| Return on assets (ROA) | 1.6881% | 636 |
| Pretax return on assets | 1.6927% | 1,031 |
| Return on Equity (ROE) | 15.4715% | 760 |
| Retained earnings to average equity (ytd only) | 0.6315% | 4,939 |
| Net charge-offs to loans | 0.4369% | 3,060 |
| Credit loss provision to net charge-offs | 82.7068% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.3684% | 2,634 |
| Efficiency ratio | 60.2720% | 6,500 |
| Assets per employee ($millions) | 3.7084% | 4,301 |
| Cash dividends to net income (ytd only)* | 95.9184% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,179 |
| Loan loss allowance to noncurrent loans | 213.7931% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 5,208 |
| Noncurrent loans to loans | 0.4714% | 6,347 |
| Net loans and leases to total assets | 71.4068% | 3,377 |
| Net loans and leases to deposits | 89.2133% | 2,952 |
| Net loans and leases to core deposits | 100.4718% | 4,462 |
| Total domestic deposits to total assets | 80.0406% | 5,462 |
| Equity capital to assets | 11.1873% | 2,763 |
| Core capital (leverage) ratio | 10.3849% | 2,916 |
| Tier 1 risk-based capital ratio | 12.6775% | 4,372 |
| Total risk-based capital ratio | 13.5291% | 4,610 |
| Memoranda: | ||
| Average total assets | $87,079,000 | 5,552 |
| Average earning assets | $79,741,330 | 5,540 |
| Average equity | $9,501,330 | 5,512 |
| Average total loans | $60,878,670 | 5,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3848% | 1,099 |
| Cost of funding earning assets | 2.1299% | 3,517 |
| Net interest margin | 4.2549% | 1,727 |
| Noninterest income to average assets | 0.7548% | 2,569 |
| Noninterest expense to average assets | 2.8645% | 4,282 |
| Loan and lease loss provision to assets | 0.2046% | 4,405 |
| Net operating income to assets | 1.5459% | 860 |
| Return on assets (ROA) | 1.5459% | 936 |
| Pretax return on assets | 1.5550% | 1,522 |
| Return on Equity (ROE) | 14.3445% | 1,098 |
| Retained earnings to average equity (ytd only) | -1.4766% | 5,995 |
| Net charge-offs to loans | 0.5020% | 2,209 |
| Credit loss provision to net charge-offs | 59.2105% | 4,533 |
| Earnings coverage of net charge-offs (x) | 5.0921% | 2,748 |
| Efficiency ratio | 61.9469% | 6,058 |
| Assets per employee ($millions) | 3.7943% | 4,112 |
| Cash dividends to net income (ytd only)* | 110.2941% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 6,028 |
| Loan loss allowance to noncurrent loans | 86.5629% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 4,811 |
| Noncurrent loans to loans | 1.1801% | 4,614 |
| Net loans and leases to total assets | 67.9500% | 4,151 |
| Net loans and leases to deposits | 83.1266% | 4,110 |
| Net loans and leases to core deposits | 91.9337% | 5,349 |
| Total domestic deposits to total assets | 81.7429% | 4,661 |
| Equity capital to assets | 10.8972% | 3,075 |
| Core capital (leverage) ratio | 10.4886% | 2,944 |
| Tier 1 risk-based capital ratio | 13.1349% | 4,096 |
| Total risk-based capital ratio | 14.0120% | 4,261 |
| Memoranda: | ||
| Average total assets | $87,972,000 | 5,552 |
| Average earning assets | $80,002,500 | 5,549 |
| Average equity | $9,481,000 | 5,543 |
| Average total loans | $60,555,500 | 5,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9673% | 1,214 |
| Cost of funding earning assets | 2.5562% | 3,920 |
| Net interest margin | 4.4111% | 1,659 |
| Noninterest income to average assets | 0.7061% | 3,089 |
| Noninterest expense to average assets | 2.8243% | 4,718 |
| Loan and lease loss provision to assets | 0.3172% | 3,844 |
| Net operating income to assets | 1.6224% | 804 |
| Return on assets (ROA) | 1.6224% | 763 |
| Pretax return on assets | 1.6295% | 1,313 |
| Return on Equity (ROE) | 15.3325% | 879 |
| Retained earnings to average equity (ytd only) | 4.5076% | 2,322 |
| Net charge-offs to loans | 0.1516% | 4,686 |
| Credit loss provision to net charge-offs | 303.3708% | 1,484 |
| Earnings coverage of net charge-offs (x) | 18.6180% | 1,693 |
| Efficiency ratio | 59.1972% | 6,496 |
| Assets per employee ($millions) | 3.8554% | 3,844 |
| Cash dividends to net income (ytd only)* | 70.6010% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 5,621 |
| Loan loss allowance to noncurrent loans | 93.1884% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 4,544 |
| Noncurrent loans to loans | 1.1275% | 4,292 |
| Net loans and leases to total assets | 68.2906% | 4,412 |
| Net loans and leases to deposits | 84.4669% | 4,346 |
| Net loans and leases to core deposits | 93.8562% | 5,459 |
| Total domestic deposits to total assets | 80.8490% | 4,716 |
| Equity capital to assets | 10.6593% | 3,329 |
| Core capital (leverage) ratio | 10.4398% | 3,031 |
| Tier 1 risk-based capital ratio | 13.1864% | 4,004 |
| Total risk-based capital ratio | 14.1080% | 4,111 |
| Memoranda: | ||
| Average total assets | $85,119,800 | 5,513 |
| Average earning assets | $78,438,200 | 5,477 |
| Average equity | $9,007,000 | 5,736 |
| Average total loans | $58,713,000 | 5,333 |