Home > Farmers and Merchants State Bank > Performance and Condition Ratios
Farmers and Merchants State 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 | 4.1121% | 3,779 |
| Cost of funding earning assets | 1.6339% | 1,603 |
| Net interest margin | 2.4782% | 4,113 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.6398% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8280% | 2,780 |
| Return on assets (ROA) | 0.8471% | 2,693 |
| Pretax return on assets | 0.8471% | 3,100 |
| Return on Equity (ROE) | 7.2900% | 3,213 |
| Retained earnings to average equity (ytd only) | 1.7881% | 3,627 |
| Net charge-offs to loans | 0.0092% | 2,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 593 |
| Efficiency ratio | 66.4472% | 2,293 |
| Assets per employee ($millions) | 13.2237% | 312 |
| Cash dividends to net income (ytd only)* | 75.4796% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 1,918 |
| Loan loss allowance to noncurrent loans | 30,133.3333% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,833 |
| Noncurrent loans to loans | 0.0042% | 3,760 |
| Net loans and leases to total assets | 48.3000% | 3,711 |
| Net loans and leases to deposits | 58.5469% | 3,606 |
| Net loans and leases to core deposits | 64.0584% | 3,588 |
| Total domestic deposits to total assets | 82.5000% | 3,025 |
| Equity capital to assets | 12.1318% | 1,087 |
| Core capital (leverage) ratio | 14.4358% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $141,539,400 | 3,446 |
| Average earning assets | $135,502,800 | 3,384 |
| Average equity | $16,442,200 | 3,146 |
| Average total loans | $65,162,600 | 3,627 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,814 |
| Cost of funding earning assets | 1.5064% | 1,585 |
| Net interest margin | 2.5127% | 4,126 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.5253% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9723% | 2,443 |
| Return on assets (ROA) | 0.9875% | 2,389 |
| Pretax return on assets | 0.9875% | 2,893 |
| Return on Equity (ROE) | 8.6000% | 3,031 |
| Retained earnings to average equity (ytd only) | 1.1234% | 3,922 |
| Net charge-offs to loans | 0.0021% | 2,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,025.0000% | 152 |
| Efficiency ratio | 61.0710% | 2,835 |
| Assets per employee ($millions) | 12.6630% | 321 |
| Cash dividends to net income (ytd only)* | 86.9356% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 1,564 |
| Loan loss allowance to noncurrent loans | 9,090.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,785 |
| Noncurrent loans to loans | 0.0151% | 3,684 |
| Net loans and leases to total assets | 46.8300% | 3,792 |
| Net loans and leases to deposits | 57.6888% | 3,621 |
| Net loans and leases to core deposits | 63.4862% | 3,558 |
| Total domestic deposits to total assets | 81.1700% | 3,354 |
| Equity capital to assets | 10.5684% | 1,525 |
| Core capital (leverage) ratio | 14.1755% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,559,000 | 3,461 |
| Average earning assets | $134,887,000 | 3,399 |
| Average equity | $16,141,000 | 3,155 |
| Average total loans | $63,662,750 | 3,660 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 3,946 |
| Cost of funding earning assets | 1.2038% | 1,981 |
| Net interest margin | 2.6472% | 4,044 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.4598% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1661% | 1,927 |
| Return on assets (ROA) | 1.1817% | 1,871 |
| Pretax return on assets | 1.1817% | 2,410 |
| Return on Equity (ROE) | 10.0300% | 2,690 |
| Retained earnings to average equity (ytd only) | -0.8667% | 4,198 |
| Net charge-offs to loans | 0.0032% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 822.0000% | 180 |
| Efficiency ratio | 55.5916% | 3,470 |
| Assets per employee ($millions) | 11.6793% | 411 |
| Cash dividends to net income (ytd only)* | 108.6435% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,568 |
| Loan loss allowance to noncurrent loans | 30,300.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,881 |
| Noncurrent loans to loans | 0.0046% | 3,778 |
| Net loans and leases to total assets | 46.0500% | 3,795 |
| Net loans and leases to deposits | 58.0651% | 3,531 |
| Net loans and leases to core deposits | 64.3658% | 3,423 |
| Total domestic deposits to total assets | 79.3000% | 3,680 |
| Equity capital to assets | 11.7202% | 1,127 |
| Core capital (leverage) ratio | 14.3934% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $140,981,000 | 3,468 |
| Average earning assets | $135,238,000 | 3,408 |
| Average equity | $16,614,333 | 3,134 |
| Average total loans | $62,838,333 | 3,674 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 3,892 |
| Cost of funding earning assets | 0.8864% | 2,414 |
| Net interest margin | 2.8956% | 3,801 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.5135% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3353% | 1,582 |
| Return on assets (ROA) | 1.3494% | 1,516 |
| Pretax return on assets | 1.3494% | 2,020 |
| Return on Equity (ROE) | 11.4200% | 2,369 |
| Retained earnings to average equity (ytd only) | -10.2463% | 4,482 |
| Net charge-offs to loans | 0.0065% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 472.0000% | 245 |
| Efficiency ratio | 53.1281% | 3,692 |
| Assets per employee ($millions) | 11.6035% | 441 |
| Cash dividends to net income (ytd only)* | 189.7275% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,054 |
| 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 | 40.7100% | 4,017 |
| Net loans and leases to deposits | 46.5776% | 4,014 |
| Net loans and leases to core deposits | 50.8983% | 3,964 |
| Total domestic deposits to total assets | 87.4100% | 2,129 |
| Equity capital to assets | 12.1845% | 945 |
| Core capital (leverage) ratio | 13.3959% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $141,396,000 | 3,508 |
| Average earning assets | $135,376,500 | 3,457 |
| Average equity | $16,708,500 | 3,155 |
| Average total loans | $61,534,500 | 3,738 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0036% | 4,130 |
| Cost of funding earning assets | 0.2824% | 3,017 |
| Net interest margin | 2.7212% | 4,030 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.5372% | 4,387 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.2685% | 1,532 |
| Return on assets (ROA) | 1.2276% | 1,621 |
| Pretax return on assets | 1.2276% | 2,347 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.8447% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5988% | 3,515 |
| Assets per employee ($millions) | 11.9625% | 393 |
| Cash dividends to net income (ytd only)* | 52.9549% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,533 |
| Loan loss allowance to noncurrent loans | 928.5714% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,111 |
| Noncurrent loans to loans | 0.1497% | 2,753 |
| Net loans and leases to total assets | 44.9700% | 3,848 |
| Net loans and leases to deposits | 53.1214% | 3,731 |
| Net loans and leases to core deposits | 55.0699% | 3,764 |
| Total domestic deposits to total assets | 84.6600% | 3,071 |
| Equity capital to assets | 11.4601% | 1,099 |
| Core capital (leverage) ratio | 14.4697% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,214,200 | 3,541 |
| Average earning assets | $134,204,600 | 3,484 |
| Average equity | $16,595,600 | 3,231 |
| Average total loans | $60,649,000 | 3,715 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8908% | 4,073 |
| Cost of funding earning assets | 0.2497% | 2,711 |
| Net interest margin | 2.6411% | 4,044 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.4305% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2114% | 1,656 |
| Return on assets (ROA) | 1.2027% | 1,661 |
| Pretax return on assets | 1.2027% | 2,355 |
| Return on Equity (ROE) | 9.9900% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.7337% | 3,852 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.1469% | 3,811 |
| Assets per employee ($millions) | 11.3967% | 458 |
| Cash dividends to net income (ytd only)* | 72.6324% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7341% | 826 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 42.8900% | 3,944 |
| Net loans and leases to deposits | 48.1516% | 3,948 |
| Net loans and leases to core deposits | 49.7683% | 3,964 |
| Total domestic deposits to total assets | 89.0600% | 2,067 |
| Equity capital to assets | 10.4782% | 1,382 |
| Core capital (leverage) ratio | 13.9707% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $138,130,250 | 3,573 |
| Average earning assets | $133,478,500 | 3,511 |
| Average equity | $16,631,750 | 3,265 |
| Average total loans | $59,444,000 | 3,757 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6612% | 4,200 |
| Cost of funding earning assets | 0.2313% | 2,484 |
| Net interest margin | 2.4299% | 4,188 |
| Noninterest income to average assets | 0.0909% | 4,523 |
| Noninterest expense to average assets | 1.4301% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0102% | 2,114 |
| Return on assets (ROA) | 0.9958% | 2,144 |
| Pretax return on assets | 0.9958% | 2,751 |
| Return on Equity (ROE) | 7.9315% | 3,033 |
| Retained earnings to average equity (ytd only) | -2.4714% | 4,416 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6044% | 3,479 |
| Assets per employee ($millions) | 11.6001% | 423 |
| Cash dividends to net income (ytd only)* | 131.1594% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 897 |
| Loan loss allowance to noncurrent loans | 2,957.1429% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,740 |
| Noncurrent loans to loans | 0.0588% | 3,511 |
| Net loans and leases to total assets | 42.0392% | 3,968 |
| Net loans and leases to deposits | 47.7422% | 3,931 |
| Net loans and leases to core deposits | 49.3332% | 3,963 |
| Total domestic deposits to total assets | 88.0547% | 2,554 |
| Equity capital to assets | 11.4029% | 1,062 |
| Core capital (leverage) ratio | 13.5864% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,587,000 | 3,613 |
| Average earning assets | $133,999,667 | 3,553 |
| Average equity | $17,399,000 | 3,283 |
| Average total loans | $59,363,333 | 3,792 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5211% | 4,242 |
| Cost of funding earning assets | 0.2365% | 2,302 |
| Net interest margin | 2.2846% | 4,260 |
| Noninterest income to average assets | 0.0868% | 4,550 |
| Noninterest expense to average assets | 1.4145% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8794% | 2,366 |
| Return on assets (ROA) | 0.8765% | 2,378 |
| Pretax return on assets | 0.8765% | 2,869 |
| Return on Equity (ROE) | 6.6733% | 3,136 |
| Retained earnings to average equity (ytd only) | -13.2585% | 4,619 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6646% | 3,307 |
| Assets per employee ($millions) | 11.7717% | 424 |
| Cash dividends to net income (ytd only)* | 298.6799% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 764 |
| Loan loss allowance to noncurrent loans | 338.2353% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,345 |
| Noncurrent loans to loans | 0.5570% | 1,646 |
| Net loans and leases to total assets | 38.1608% | 4,110 |
| Net loans and leases to deposits | 43.5196% | 4,094 |
| Net loans and leases to core deposits | 44.9520% | 4,122 |
| Total domestic deposits to total assets | 87.6865% | 2,670 |
| Equity capital to assets | 11.9071% | 994 |
| Core capital (leverage) ratio | 12.7450% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,280,000 | 3,636 |
| Average earning assets | $133,591,500 | 3,584 |
| Average equity | $18,162,000 | 3,314 |
| Average total loans | $59,268,000 | 3,803 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 2,766 |
| Cost of funding earning assets | 0.3198% | 2,198 |
| Net interest margin | 3.1431% | 2,757 |
| Noninterest income to average assets | 0.1053% | 4,585 |
| Noninterest expense to average assets | 1.5777% | 4,448 |
| Loan and lease loss provision to assets | -0.1179% | 4,574 |
| Net operating income to assets | 1.6649% | 687 |
| Return on assets (ROA) | 1.6893% | 672 |
| Pretax return on assets | 1.6893% | 1,179 |
| Return on Equity (ROE) | 11.3540% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.1293% | 1,870 |
| Net charge-offs to loans | -0.0150% | 3,878 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4903% | 4,247 |
| Assets per employee ($millions) | 11.2750% | 470 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,200 |
| Loan loss allowance to noncurrent loans | 153.1065% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 1,334 |
| Noncurrent loans to loans | 1.0630% | 917 |
| Net loans and leases to total assets | 46.2380% | 3,669 |
| Net loans and leases to deposits | 55.1457% | 3,500 |
| Net loans and leases to core deposits | 57.1272% | 3,541 |
| Total domestic deposits to total assets | 83.8470% | 3,604 |
| Equity capital to assets | 14.4154% | 593 |
| Core capital (leverage) ratio | 14.4667% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,273,400 | 3,716 |
| Average earning assets | $122,267,400 | 3,659 |
| Average equity | $18,936,000 | 3,305 |
| Average total loans | $66,593,400 | 3,717 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 2,444 |
| Cost of funding earning assets | 0.3367% | 2,233 |
| Net interest margin | 3.3055% | 2,400 |
| Noninterest income to average assets | 0.0990% | 4,673 |
| Noninterest expense to average assets | 1.4635% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8116% | 653 |
| Return on assets (ROA) | 1.8403% | 647 |
| Pretax return on assets | 1.8403% | 1,065 |
| Return on Equity (ROE) | 12.2660% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.5906% | 2,580 |
| Net charge-offs to loans | -0.0198% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6864% | 4,555 |
| Assets per employee ($millions) | 10.6852% | 526 |
| Cash dividends to net income (ytd only)* | 46.2695% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 835 |
| Loan loss allowance to noncurrent loans | 77.8581% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1870% | 498 |
| Noncurrent loans to loans | 2.3815% | 328 |
| Net loans and leases to total assets | 48.9191% | 3,536 |
| Net loans and leases to deposits | 58.8868% | 3,334 |
| Net loans and leases to core deposits | 60.9952% | 3,401 |
| Total domestic deposits to total assets | 83.0731% | 3,686 |
| Equity capital to assets | 15.0645% | 532 |
| Core capital (leverage) ratio | 15.2016% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,266,750 | 3,777 |
| Average earning assets | $120,363,250 | 3,717 |
| Average equity | $18,794,000 | 3,361 |
| Average total loans | $67,343,000 | 3,754 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 1,978 |
| Cost of funding earning assets | 0.3617% | 2,214 |
| Net interest margin | 3.4748% | 1,933 |
| Noninterest income to average assets | 0.1014% | 4,684 |
| Noninterest expense to average assets | 1.4805% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9601% | 521 |
| Return on assets (ROA) | 1.9955% | 514 |
| Pretax return on assets | 1.9955% | 845 |
| Return on Equity (ROE) | 13.3190% | 1,618 |
| Retained earnings to average equity (ytd only) | 4.7261% | 3,290 |
| Net charge-offs to loans | -0.0292% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0309% | 4,658 |
| Assets per employee ($millions) | 10.1783% | 577 |
| Cash dividends to net income (ytd only)* | 64.5161% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 882 |
| Loan loss allowance to noncurrent loans | 146.2963% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 1,256 |
| Noncurrent loans to loans | 1.2305% | 978 |
| Net loans and leases to total assets | 52.9229% | 3,259 |
| Net loans and leases to deposits | 64.0895% | 2,992 |
| Net loans and leases to core deposits | 66.5116% | 3,074 |
| Total domestic deposits to total assets | 82.5766% | 3,796 |
| Equity capital to assets | 15.4577% | 471 |
| Core capital (leverage) ratio | 14.7031% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,281,667 | 3,808 |
| Average earning assets | $119,432,333 | 3,740 |
| Average equity | $18,620,000 | 3,371 |
| Average total loans | $68,487,333 | 3,753 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 1,463 |
| Cost of funding earning assets | 0.3998% | 2,096 |
| Net interest margin | 3.6682% | 1,405 |
| Noninterest income to average assets | 0.0925% | 4,718 |
| Noninterest expense to average assets | 1.4328% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1731% | 440 |
| Return on assets (ROA) | 2.2050% | 448 |
| Pretax return on assets | 2.2050% | 680 |
| Return on Equity (ROE) | 14.9486% | 1,223 |
| Retained earnings to average equity (ytd only) | -2.3580% | 4,566 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7345% | 4,748 |
| Assets per employee ($millions) | 10.3554% | 534 |
| Cash dividends to net income (ytd only)* | 115.7742% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 858 |
| Loan loss allowance to noncurrent loans | 153.5948% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 1,546 |
| Noncurrent loans to loans | 1.1789% | 1,129 |
| Net loans and leases to total assets | 51.2727% | 3,515 |
| Net loans and leases to deposits | 61.5119% | 3,367 |
| Net loans and leases to core deposits | 65.0687% | 3,315 |
| Total domestic deposits to total assets | 83.3541% | 3,600 |
| Equity capital to assets | 14.7129% | 543 |
| Core capital (leverage) ratio | 13.9854% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,352,500 | 3,799 |
| Average earning assets | $120,059,500 | 3,741 |
| Average equity | $18,490,000 | 3,376 |
| Average total loans | $69,818,500 | 3,741 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 1,453 |
| Cost of funding earning assets | 0.6819% | 1,816 |
| Net interest margin | 3.7630% | 1,606 |
| Noninterest income to average assets | 0.0805% | 4,795 |
| Noninterest expense to average assets | 1.5931% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0795% | 230 |
| Return on assets (ROA) | 2.0992% | 234 |
| Pretax return on assets | 2.0992% | 361 |
| Return on Equity (ROE) | 14.0747% | 796 |
| Retained earnings to average equity (ytd only) | 9.7392% | 640 |
| Net charge-offs to loans | 0.0215% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 566 |
| Efficiency ratio | 43.3769% | 4,805 |
| Assets per employee ($millions) | 10.5367% | 448 |
| Cash dividends to net income (ytd only)* | 30.8038% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,371 |
| Loan loss allowance to noncurrent loans | 238.3367% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,425 |
| Noncurrent loans to loans | 0.6595% | 2,031 |
| Net loans and leases to total assets | 58.1881% | 3,064 |
| Net loans and leases to deposits | 69.9190% | 2,885 |
| Net loans and leases to core deposits | 74.2517% | 2,894 |
| Total domestic deposits to total assets | 83.2221% | 3,347 |
| Equity capital to assets | 14.7873% | 609 |
| Core capital (leverage) ratio | 14.4465% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,756,200 | 3,784 |
| Average earning assets | $111,454,400 | 3,742 |
| Average equity | $17,414,200 | 3,429 |
| Average total loans | $74,433,200 | 3,654 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,270 |
| Cost of funding earning assets | 0.7219% | 1,893 |
| Net interest margin | 3.8905% | 1,373 |
| Noninterest income to average assets | 0.0968% | 4,770 |
| Noninterest expense to average assets | 1.4518% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.3591% | 169 |
| Return on assets (ROA) | 2.3824% | 172 |
| Pretax return on assets | 2.3824% | 249 |
| Return on Equity (ROE) | 15.9355% | 554 |
| Retained earnings to average equity (ytd only) | 10.0465% | 752 |
| Net charge-offs to loans | 0.0018% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2,023.0000% | 52 |
| Efficiency ratio | 38.0967% | 4,932 |
| Assets per employee ($millions) | 10.6665% | 413 |
| Cash dividends to net income (ytd only)* | 36.9555% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,258 |
| Loan loss allowance to noncurrent loans | 52.3307% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 352 |
| Noncurrent loans to loans | 2.9508% | 318 |
| Net loans and leases to total assets | 64.6666% | 2,681 |
| Net loans and leases to deposits | 78.6487% | 2,462 |
| Net loans and leases to core deposits | 83.9899% | 2,475 |
| Total domestic deposits to total assets | 82.2221% | 3,361 |
| Equity capital to assets | 15.5952% | 527 |
| Core capital (leverage) ratio | 14.8378% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,335,250 | 3,812 |
| Average earning assets | $109,151,500 | 3,772 |
| Average equity | $17,093,500 | 3,451 |
| Average total loans | $74,354,500 | 3,670 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,486 |
| Cost of funding earning assets | 0.7644% | 2,023 |
| Net interest margin | 3.9016% | 1,567 |
| Noninterest income to average assets | 0.0971% | 4,791 |
| Noninterest expense to average assets | 1.4753% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3417% | 177 |
| Return on assets (ROA) | 2.3735% | 182 |
| Pretax return on assets | 2.3735% | 264 |
| Return on Equity (ROE) | 16.1155% | 539 |
| Retained earnings to average equity (ytd only) | 7.0693% | 1,629 |
| Net charge-offs to loans | 0.0027% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,327.0000% | 63 |
| Efficiency ratio | 38.6500% | 4,945 |
| Assets per employee ($millions) | 10.6660% | 422 |
| Cash dividends to net income (ytd only)* | 56.1338% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 1,019 |
| Loan loss allowance to noncurrent loans | 38.1655% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 2.6576% | 200 |
| Noncurrent loans to loans | 4.1792% | 153 |
| Net loans and leases to total assets | 62.5752% | 3,061 |
| Net loans and leases to deposits | 77.9796% | 2,655 |
| Net loans and leases to core deposits | 83.3990% | 2,664 |
| Total domestic deposits to total assets | 80.2456% | 3,786 |
| Equity capital to assets | 14.9549% | 625 |
| Core capital (leverage) ratio | 14.4053% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,336,667 | 3,810 |
| Average earning assets | $108,057,000 | 3,771 |
| Average equity | $16,692,000 | 3,485 |
| Average total loans | $73,451,333 | 3,688 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 2,180 |
| Cost of funding earning assets | 0.8481% | 2,122 |
| Net interest margin | 3.6954% | 2,340 |
| Noninterest income to average assets | 0.0970% | 4,836 |
| Noninterest expense to average assets | 1.4981% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1052% | 222 |
| Return on assets (ROA) | 2.0980% | 245 |
| Pretax return on assets | 2.0980% | 368 |
| Return on Equity (ROE) | 14.3621% | 634 |
| Retained earnings to average equity (ytd only) | -4.2053% | 4,454 |
| Net charge-offs to loans | 0.0055% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 586.0000% | 99 |
| Efficiency ratio | 41.5753% | 4,953 |
| Assets per employee ($millions) | 9.3268% | 471 |
| Cash dividends to net income (ytd only)* | 129.2808% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 924 |
| Loan loss allowance to noncurrent loans | 116.8959% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 1,472 |
| Noncurrent loans to loans | 1.4252% | 1,117 |
| Net loans and leases to total assets | 62.7577% | 3,223 |
| Net loans and leases to deposits | 80.9168% | 2,585 |
| Net loans and leases to core deposits | 87.0329% | 2,594 |
| Total domestic deposits to total assets | 77.5583% | 4,289 |
| Equity capital to assets | 14.2913% | 966 |
| Core capital (leverage) ratio | 14.8142% | 712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,342,000 | 3,828 |
| Average earning assets | $105,644,500 | 3,788 |
| Average equity | $16,265,000 | 3,532 |
| Average total loans | $72,873,500 | 3,707 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 1,959 |
| Cost of funding earning assets | 0.9490% | 1,964 |
| Net interest margin | 3.8787% | 2,248 |
| Noninterest income to average assets | 0.1041% | 4,916 |
| Noninterest expense to average assets | 1.6892% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1138% | 267 |
| Return on assets (ROA) | 2.1157% | 277 |
| Pretax return on assets | 2.1157% | 462 |
| Return on Equity (ROE) | 14.8096% | 726 |
| Retained earnings to average equity (ytd only) | 9.8991% | 511 |
| Net charge-offs to loans | -0.0014% | 4,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4173% | 4,963 |
| Assets per employee ($millions) | 9.2303% | 466 |
| Cash dividends to net income (ytd only)* | 33.1577% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 969 |
| Loan loss allowance to noncurrent loans | 474.5020% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,544 |
| Noncurrent loans to loans | 0.3377% | 3,234 |
| Net loans and leases to total assets | 66.0211% | 2,951 |
| Net loans and leases to deposits | 83.9036% | 2,347 |
| Net loans and leases to core deposits | 89.8653% | 2,438 |
| Total domestic deposits to total assets | 78.6869% | 4,246 |
| Equity capital to assets | 14.9283% | 811 |
| Core capital (leverage) ratio | 14.8682% | 716 |
| Tier 1 risk-based capital ratio | 21.2937% | 1,116 |
| Total risk-based capital ratio | 22.5700% | 1,092 |
| Memoranda: | ||
| Average total assets | $107,626,400 | 3,870 |
| Average earning assets | $102,638,400 | 3,822 |
| Average equity | $15,375,200 | 3,601 |
| Average total loans | $71,687,600 | 3,745 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 2,180 |
| Cost of funding earning assets | 0.9389% | 2,049 |
| Net interest margin | 3.8402% | 2,465 |
| Noninterest income to average assets | 0.0973% | 4,999 |
| Noninterest expense to average assets | 1.5225% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2500% | 247 |
| Return on assets (ROA) | 2.2487% | 260 |
| Pretax return on assets | 2.2487% | 412 |
| Return on Equity (ROE) | 15.9269% | 617 |
| Retained earnings to average equity (ytd only) | 9.2539% | 972 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3573% | 5,114 |
| Assets per employee ($millions) | 8.8624% | 510 |
| Cash dividends to net income (ytd only)* | 41.8978% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 955 |
| Loan loss allowance to noncurrent loans | 94.0711% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1895% | 1,065 |
| Noncurrent loans to loans | 1.7247% | 847 |
| Net loans and leases to total assets | 67.8502% | 2,807 |
| Net loans and leases to deposits | 88.0298% | 1,926 |
| Net loans and leases to core deposits | 94.7042% | 2,109 |
| Total domestic deposits to total assets | 77.0764% | 4,507 |
| Equity capital to assets | 15.1031% | 823 |
| Core capital (leverage) ratio | 14.5028% | 857 |
| Tier 1 risk-based capital ratio | 20.8141% | 1,212 |
| Total risk-based capital ratio | 22.0902% | 1,187 |
| Memoranda: | ||
| Average total assets | $106,842,250 | 3,917 |
| Average earning assets | $102,248,250 | 3,868 |
| Average equity | $15,085,250 | 3,665 |
| Average total loans | $71,030,000 | 3,801 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 2,607 |
| Cost of funding earning assets | 0.8787% | 2,256 |
| Net interest margin | 3.7431% | 2,781 |
| Noninterest income to average assets | 0.1009% | 5,035 |
| Noninterest expense to average assets | 1.4765% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2073% | 266 |
| Return on assets (ROA) | 2.2055% | 279 |
| Pretax return on assets | 2.2055% | 440 |
| Return on Equity (ROE) | 15.9895% | 591 |
| Retained earnings to average equity (ytd only) | 5.7589% | 2,393 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0812% | 5,160 |
| Assets per employee ($millions) | 8.8946% | 488 |
| Cash dividends to net income (ytd only)* | 63.9831% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 945 |
| Loan loss allowance to noncurrent loans | 34.9589% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 3.1892% | 171 |
| Noncurrent loans to loans | 4.6890% | 122 |
| Net loans and leases to total assets | 66.9003% | 2,984 |
| Net loans and leases to deposits | 87.3500% | 2,078 |
| Net loans and leases to core deposits | 93.9750% | 2,240 |
| Total domestic deposits to total assets | 76.5887% | 4,608 |
| Equity capital to assets | 14.1978% | 1,057 |
| Core capital (leverage) ratio | 14.4319% | 848 |
| Tier 1 risk-based capital ratio | 19.6945% | 1,405 |
| Total risk-based capital ratio | 20.9663% | 1,369 |
| Memoranda: | ||
| Average total assets | $107,006,670 | 3,943 |
| Average earning assets | $102,428,670 | 3,892 |
| Average equity | $14,759,670 | 3,700 |
| Average total loans | $70,257,330 | 3,835 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 2,913 |
| Cost of funding earning assets | 0.8432% | 2,311 |
| Net interest margin | 3.6460% | 3,086 |
| Noninterest income to average assets | 0.0933% | 5,104 |
| Noninterest expense to average assets | 1.4859% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0944% | 327 |
| Return on assets (ROA) | 2.0944% | 343 |
| Pretax return on assets | 2.0944% | 534 |
| Return on Equity (ROE) | 15.4094% | 678 |
| Retained earnings to average equity (ytd only) | -5.3288% | 4,941 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5016% | 5,175 |
| Assets per employee ($millions) | 8.9038% | 499 |
| Cash dividends to net income (ytd only)* | 134.5811% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 725 |
| Loan loss allowance to noncurrent loans | 331.4763% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 3,260 |
| Noncurrent loans to loans | 0.5388% | 2,694 |
| Net loans and leases to total assets | 61.2517% | 3,574 |
| Net loans and leases to deposits | 74.4565% | 3,410 |
| Net loans and leases to core deposits | 77.7728% | 3,534 |
| Total domestic deposits to total assets | 82.2651% | 3,656 |
| Equity capital to assets | 13.5681% | 1,185 |
| Core capital (leverage) ratio | 13.8998% | 979 |
| Tier 1 risk-based capital ratio | 20.3994% | 1,262 |
| Total risk-based capital ratio | 21.6756% | 1,238 |
| Memoranda: | ||
| Average total assets | $107,142,500 | 3,979 |
| Average earning assets | $102,468,500 | 3,932 |
| Average equity | $14,562,500 | 3,732 |
| Average total loans | $69,088,000 | 3,885 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 2,851 |
| Cost of funding earning assets | 0.7863% | 1,601 |
| Net interest margin | 3.5870% | 3,427 |
| Noninterest income to average assets | 0.1058% | 5,135 |
| Noninterest expense to average assets | 1.7178% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8168% | 534 |
| Return on assets (ROA) | 1.8168% | 527 |
| Pretax return on assets | 1.8168% | 880 |
| Return on Equity (ROE) | 13.5178% | 1,166 |
| Retained earnings to average equity (ytd only) | 8.7855% | 942 |
| Net charge-offs to loans | -0.0118% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5989% | 5,015 |
| Assets per employee ($millions) | 8.9533% | 476 |
| Cash dividends to net income (ytd only)* | 35.0080% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.4799% | 3,202 |
| Net loans and leases to deposits | 84.7204% | 2,435 |
| Net loans and leases to core deposits | 90.7298% | 2,509 |
| Total domestic deposits to total assets | 77.2894% | 4,588 |
| Equity capital to assets | 13.6152% | 1,103 |
| Core capital (leverage) ratio | 13.9216% | 942 |
| Tier 1 risk-based capital ratio | 20.2920% | 1,257 |
| Total risk-based capital ratio | 21.5640% | 1,231 |
| Memoranda: | ||
| Average total assets | $102,981,000 | 4,055 |
| Average earning assets | $98,437,800 | 3,996 |
| Average equity | $13,841,000 | 3,770 |
| Average total loans | $67,860,000 | 3,921 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,962 |
| Cost of funding earning assets | 0.7353% | 1,648 |
| Net interest margin | 3.5644% | 3,477 |
| Noninterest income to average assets | 0.1047% | 5,196 |
| Noninterest expense to average assets | 1.5850% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9267% | 455 |
| Return on assets (ROA) | 1.9267% | 453 |
| Pretax return on assets | 1.9267% | 774 |
| Return on Equity (ROE) | 14.3842% | 1,015 |
| Retained earnings to average equity (ytd only) | 7.9837% | 1,664 |
| Net charge-offs to loans | -0.0199% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1360% | 5,183 |
| Assets per employee ($millions) | 8.8143% | 472 |
| Cash dividends to net income (ytd only)* | 44.4972% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 875 |
| Loan loss allowance to noncurrent loans | 532.1429% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,887 |
| Noncurrent loans to loans | 0.3190% | 3,526 |
| Net loans and leases to total assets | 65.2526% | 3,279 |
| Net loans and leases to deposits | 88.5018% | 2,087 |
| Net loans and leases to core deposits | 95.8744% | 2,126 |
| Total domestic deposits to total assets | 73.7303% | 5,002 |
| Equity capital to assets | 13.4119% | 1,167 |
| Core capital (leverage) ratio | 13.8931% | 968 |
| Tier 1 risk-based capital ratio | 19.9276% | 1,350 |
| Total risk-based capital ratio | 21.2036% | 1,309 |
| Memoranda: | ||
| Average total assets | $101,866,500 | 4,110 |
| Average earning assets | $97,366,750 | 4,052 |
| Average equity | $13,644,250 | 3,825 |
| Average total loans | $66,939,750 | 3,972 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,093 |
| Cost of funding earning assets | 0.7082% | 1,577 |
| Net interest margin | 3.4994% | 3,628 |
| Noninterest income to average assets | 0.1034% | 5,262 |
| Noninterest expense to average assets | 1.6447% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8098% | 571 |
| Return on assets (ROA) | 1.8098% | 572 |
| Pretax return on assets | 1.8098% | 940 |
| Return on Equity (ROE) | 13.5179% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.7880% | 3,704 |
| Net charge-offs to loans | -0.0091% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6108% | 5,136 |
| Assets per employee ($millions) | 8.2738% | 568 |
| Cash dividends to net income (ytd only)* | 71.9780% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 742 |
| Loan loss allowance to noncurrent loans | 102.1552% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 1,242 |
| Noncurrent loans to loans | 1.7717% | 883 |
| Net loans and leases to total assets | 64.7503% | 3,313 |
| Net loans and leases to deposits | 79.2007% | 3,035 |
| Net loans and leases to core deposits | 88.0851% | 2,711 |
| Total domestic deposits to total assets | 81.7547% | 3,790 |
| Equity capital to assets | 13.7602% | 1,007 |
| Core capital (leverage) ratio | 13.5550% | 1,051 |
| Tier 1 risk-based capital ratio | 20.0600% | 1,307 |
| Total risk-based capital ratio | 21.3386% | 1,275 |
| Memoranda: | ||
| Average total assets | $100,564,670 | 4,168 |
| Average earning assets | $96,301,330 | 4,110 |
| Average equity | $13,463,670 | 3,875 |
| Average total loans | $65,849,330 | 4,022 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,627 |
| Cost of funding earning assets | 0.6203% | 1,912 |
| Net interest margin | 3.3744% | 3,968 |
| Noninterest income to average assets | 0.1858% | 4,913 |
| Noninterest expense to average assets | 1.5375% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8734% | 481 |
| Return on assets (ROA) | 1.8734% | 487 |
| Pretax return on assets | 1.8734% | 772 |
| Return on Equity (ROE) | 14.1868% | 970 |
| Retained earnings to average equity (ytd only) | -5.4173% | 5,221 |
| Net charge-offs to loans | -0.0242% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0753% | 5,315 |
| Assets per employee ($millions) | 7.8038% | 680 |
| Cash dividends to net income (ytd only)* | 138.1857% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 655 |
| Loan loss allowance to noncurrent loans | 498.3193% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,937 |
| Noncurrent loans to loans | 0.3812% | 3,417 |
| Net loans and leases to total assets | 60.3702% | 3,716 |
| Net loans and leases to deposits | 73.0873% | 3,506 |
| Net loans and leases to core deposits | 80.9391% | 3,246 |
| Total domestic deposits to total assets | 82.6001% | 3,789 |
| Equity capital to assets | 13.0676% | 1,206 |
| Core capital (leverage) ratio | 12.8771% | 1,220 |
| Tier 1 risk-based capital ratio | 19.8121% | 1,377 |
| Total risk-based capital ratio | 21.0910% | 1,344 |
| Memoranda: | ||
| Average total assets | $101,204,000 | 4,208 |
| Average earning assets | $96,729,000 | 4,149 |
| Average equity | $13,364,500 | 3,921 |
| Average total loans | $66,037,500 | 4,054 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,872 |
| Cost of funding earning assets | 0.5898% | 1,674 |
| Net interest margin | 3.5626% | 3,297 |
| Noninterest income to average assets | 0.1912% | 4,999 |
| Noninterest expense to average assets | 1.8300% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7513% | 477 |
| Return on assets (ROA) | 1.7493% | 485 |
| Pretax return on assets | 1.7493% | 897 |
| Return on Equity (ROE) | 13.3611% | 874 |
| Retained earnings to average equity (ytd only) | 8.2463% | 677 |
| Net charge-offs to loans | 0.0314% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 81.5714% | 761 |
| Efficiency ratio | 51.0991% | 5,160 |
| Assets per employee ($millions) | 7.7661% | 689 |
| Cash dividends to net income (ytd only)* | 38.2817% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 953 |
| Loan loss allowance to noncurrent loans | 19,700.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,161 |
| Noncurrent loans to loans | 0.0086% | 5,013 |
| Net loans and leases to total assets | 67.8117% | 2,846 |
| Net loans and leases to deposits | 85.0301% | 2,367 |
| Net loans and leases to core deposits | 90.4924% | 2,514 |
| Total domestic deposits to total assets | 79.7502% | 4,385 |
| Equity capital to assets | 13.3440% | 1,114 |
| Core capital (leverage) ratio | 13.4703% | 979 |
| Tier 1 risk-based capital ratio | 18.9687% | 1,508 |
| Total risk-based capital ratio | 20.2419% | 1,466 |
| Memoranda: | ||
| Average total assets | $97,812,800 | 4,277 |
| Average earning assets | $93,079,000 | 4,221 |
| Average equity | $12,805,800 | 4,014 |
| Average total loans | $66,898,600 | 4,032 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 2,837 |
| Cost of funding earning assets | 0.5671% | 1,763 |
| Net interest margin | 3.5728% | 3,253 |
| Noninterest income to average assets | 0.1951% | 5,038 |
| Noninterest expense to average assets | 1.6627% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9348% | 355 |
| Return on assets (ROA) | 1.9334% | 360 |
| Pretax return on assets | 1.9334% | 630 |
| Return on Equity (ROE) | 14.8423% | 672 |
| Retained earnings to average equity (ytd only) | 7.9327% | 1,250 |
| Net charge-offs to loans | 0.0423% | 2,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 67.0461% | 927 |
| Efficiency ratio | 46.2185% | 5,415 |
| Assets per employee ($millions) | 7.1520% | 892 |
| Cash dividends to net income (ytd only)* | 46.5529% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 1,043 |
| Loan loss allowance to noncurrent loans | 1,407.1429% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,820 |
| Noncurrent loans to loans | 0.1205% | 4,577 |
| Net loans and leases to total assets | 68.4624% | 2,780 |
| Net loans and leases to deposits | 92.4914% | 1,499 |
| Net loans and leases to core deposits | 98.9734% | 1,801 |
| Total domestic deposits to total assets | 74.0203% | 5,235 |
| Equity capital to assets | 13.1781% | 1,301 |
| Core capital (leverage) ratio | 12.9705% | 1,219 |
| Tier 1 risk-based capital ratio | 18.8409% | 1,636 |
| Total risk-based capital ratio | 20.1147% | 1,583 |
| Memoranda: | ||
| Average total assets | $97,026,250 | 4,326 |
| Average earning assets | $92,400,000 | 4,269 |
| Average equity | $12,639,250 | 4,079 |
| Average total loans | $66,212,250 | 4,078 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,063 |
| Cost of funding earning assets | 0.5398% | 1,846 |
| Net interest margin | 3.4955% | 3,418 |
| Noninterest income to average assets | 0.1896% | 5,105 |
| Noninterest expense to average assets | 1.5605% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9481% | 339 |
| Return on assets (ROA) | 1.9481% | 346 |
| Pretax return on assets | 1.9481% | 591 |
| Return on Equity (ROE) | 15.0153% | 656 |
| Retained earnings to average equity (ytd only) | 4.4965% | 3,034 |
| Net charge-offs to loans | 0.0031% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 935.0000% | 75 |
| Efficiency ratio | 44.4774% | 5,508 |
| Assets per employee ($millions) | 7.5378% | 728 |
| Cash dividends to net income (ytd only)* | 70.0535% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 875 |
| Loan loss allowance to noncurrent loans | 50.6745% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.4206% | 465 |
| Noncurrent loans to loans | 3.5691% | 309 |
| Net loans and leases to total assets | 66.5942% | 3,019 |
| Net loans and leases to deposits | 89.6929% | 1,776 |
| Net loans and leases to core deposits | 95.3938% | 2,037 |
| Total domestic deposits to total assets | 74.2469% | 5,269 |
| Equity capital to assets | 12.9694% | 1,389 |
| Core capital (leverage) ratio | 13.4356% | 1,014 |
| Tier 1 risk-based capital ratio | 17.7928% | 1,927 |
| Total risk-based capital ratio | 19.0634% | 1,871 |
| Memoranda: | ||
| Average total assets | $95,992,330 | 4,374 |
| Average earning assets | $91,145,670 | 4,324 |
| Average equity | $12,454,000 | 4,118 |
| Average total loans | $65,039,000 | 4,124 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,047 |
| Cost of funding earning assets | 0.5705% | 1,577 |
| Net interest margin | 3.4275% | 3,539 |
| Noninterest income to average assets | 0.1895% | 5,142 |
| Noninterest expense to average assets | 1.5117% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9159% | 354 |
| Return on assets (ROA) | 1.9159% | 364 |
| Pretax return on assets | 1.9159% | 600 |
| Return on Equity (ROE) | 14.7649% | 679 |
| Retained earnings to average equity (ytd only) | -6.4901% | 5,461 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1032% | 5,591 |
| Assets per employee ($millions) | 7.7325% | 691 |
| Cash dividends to net income (ytd only)* | 143.9560% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 795 |
| Loan loss allowance to noncurrent loans | 6,683.3333% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,262 |
| Noncurrent loans to loans | 0.0284% | 5,101 |
| Net loans and leases to total assets | 67.0352% | 2,813 |
| Net loans and leases to deposits | 83.4881% | 2,343 |
| Net loans and leases to core deposits | 88.6056% | 2,487 |
| Total domestic deposits to total assets | 80.2931% | 4,562 |
| Equity capital to assets | 13.1835% | 1,191 |
| Core capital (leverage) ratio | 12.8028% | 1,215 |
| Tier 1 risk-based capital ratio | 18.1482% | 1,818 |
| Total risk-based capital ratio | 19.4192% | 1,785 |
| Memoranda: | ||
| Average total assets | $94,992,500 | 4,442 |
| Average earning assets | $89,746,000 | 4,406 |
| Average equity | $12,326,500 | 4,160 |
| Average total loans | $64,329,000 | 4,175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 2,911 |
| Cost of funding earning assets | 0.4949% | 2,123 |
| Net interest margin | 3.5915% | 3,101 |
| Noninterest income to average assets | 0.2725% | 4,786 |
| Noninterest expense to average assets | 1.7885% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8616% | 398 |
| Return on assets (ROA) | 1.8616% | 411 |
| Pretax return on assets | 1.8616% | 672 |
| Return on Equity (ROE) | 14.5429% | 693 |
| Retained earnings to average equity (ytd only) | 9.0084% | 587 |
| Net charge-offs to loans | -0.2629% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9997% | 5,528 |
| Assets per employee ($millions) | 8.0996% | 581 |
| Cash dividends to net income (ytd only)* | 38.0562% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 883 |
| Loan loss allowance to noncurrent loans | 643.3155% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,552 |
| Noncurrent loans to loans | 0.2866% | 4,123 |
| Net loans and leases to total assets | 65.8985% | 3,087 |
| Net loans and leases to deposits | 86.9689% | 2,053 |
| Net loans and leases to core deposits | 92.3629% | 2,262 |
| Total domestic deposits to total assets | 75.7724% | 5,264 |
| Equity capital to assets | 12.7784% | 1,358 |
| Core capital (leverage) ratio | 13.0855% | 1,106 |
| Tier 1 risk-based capital ratio | 17.8488% | 1,894 |
| Total risk-based capital ratio | 19.1191% | 1,843 |
| Memoranda: | ||
| Average total assets | $91,751,200 | 4,517 |
| Average earning assets | $86,287,600 | 4,468 |
| Average equity | $11,744,600 | 4,285 |
| Average total loans | $62,011,800 | 4,227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 2,916 |
| Cost of funding earning assets | 0.4911% | 2,164 |
| Net interest margin | 3.5970% | 3,085 |
| Noninterest income to average assets | 0.2935% | 4,667 |
| Noninterest expense to average assets | 1.6830% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0031% | 342 |
| Return on assets (ROA) | 2.0031% | 354 |
| Pretax return on assets | 2.0031% | 565 |
| Return on Equity (ROE) | 15.6415% | 592 |
| Retained earnings to average equity (ytd only) | 8.1548% | 1,107 |
| Net charge-offs to loans | -0.3529% | 5,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6583% | 5,682 |
| Assets per employee ($millions) | 7.8725% | 618 |
| Cash dividends to net income (ytd only)* | 47.8648% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 952 |
| Loan loss allowance to noncurrent loans | 355.6213% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,980 |
| Noncurrent loans to loans | 0.5151% | 3,454 |
| Net loans and leases to total assets | 68.1878% | 2,771 |
| Net loans and leases to deposits | 94.4946% | 1,210 |
| Net loans and leases to core deposits | 100.4569% | 1,589 |
| Total domestic deposits to total assets | 72.1605% | 5,589 |
| Equity capital to assets | 12.8263% | 1,579 |
| Core capital (leverage) ratio | 13.0414% | 1,177 |
| Tier 1 risk-based capital ratio | 17.6894% | 2,013 |
| Total risk-based capital ratio | 18.9576% | 1,961 |
| Memoranda: | ||
| Average total assets | $90,390,250 | 4,573 |
| Average earning assets | $85,254,250 | 4,525 |
| Average equity | $11,575,750 | 4,362 |
| Average total loans | $61,201,500 | 4,285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,294 |
| Cost of funding earning assets | 0.4942% | 2,153 |
| Net interest margin | 3.4905% | 3,521 |
| Noninterest income to average assets | 0.3415% | 4,337 |
| Noninterest expense to average assets | 1.7297% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8960% | 396 |
| Return on assets (ROA) | 1.8960% | 415 |
| Pretax return on assets | 1.8960% | 703 |
| Return on Equity (ROE) | 14.8131% | 696 |
| Retained earnings to average equity (ytd only) | 3.4049% | 3,722 |
| Net charge-offs to loans | -0.5425% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7076% | 5,683 |
| Assets per employee ($millions) | 7.3311% | 754 |
| Cash dividends to net income (ytd only)* | 77.0142% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 734 |
| Loan loss allowance to noncurrent loans | 51.5880% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.6485% | 496 |
| Noncurrent loans to loans | 3.8798% | 318 |
| Net loans and leases to total assets | 66.8989% | 2,953 |
| Net loans and leases to deposits | 86.1873% | 2,227 |
| Net loans and leases to core deposits | 91.6086% | 2,377 |
| Total domestic deposits to total assets | 77.6204% | 5,065 |
| Equity capital to assets | 13.1972% | 1,389 |
| Core capital (leverage) ratio | 13.3291% | 1,046 |
| Tier 1 risk-based capital ratio | 17.6244% | 2,043 |
| Total risk-based capital ratio | 18.9009% | 1,991 |
| Memoranda: | ||
| Average total assets | $89,030,330 | 4,635 |
| Average earning assets | $83,770,670 | 4,595 |
| Average equity | $11,395,330 | 4,421 |
| Average total loans | $59,729,000 | 4,362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 3,308 |
| Cost of funding earning assets | 0.5185% | 1,954 |
| Net interest margin | 3.4570% | 3,636 |
| Noninterest income to average assets | 0.4511% | 3,475 |
| Noninterest expense to average assets | 1.7374% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9295% | 376 |
| Return on assets (ROA) | 1.9295% | 403 |
| Pretax return on assets | 1.9295% | 655 |
| Return on Equity (ROE) | 15.3083% | 624 |
| Retained earnings to average equity (ytd only) | -7.7250% | 5,739 |
| Net charge-offs to loans | -1.0879% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3812% | 5,753 |
| Assets per employee ($millions) | 7.0590% | 870 |
| Cash dividends to net income (ytd only)* | 150.4630% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0944% | 688 |
| Loan loss allowance to noncurrent loans | 24,040.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,654 |
| Noncurrent loans to loans | 0.0087% | 5,488 |
| Net loans and leases to total assets | 66.3338% | 2,895 |
| Net loans and leases to deposits | 79.7655% | 2,826 |
| Net loans and leases to core deposits | 84.5649% | 2,887 |
| Total domestic deposits to total assets | 83.1610% | 3,835 |
| Equity capital to assets | 13.2065% | 1,314 |
| Core capital (leverage) ratio | 12.1643% | 1,516 |
| Tier 1 risk-based capital ratio | 18.2879% | 1,913 |
| Total risk-based capital ratio | 19.5692% | 1,863 |
| Memoranda: | ||
| Average total assets | $89,559,000 | 4,668 |
| Average earning assets | $83,309,500 | 4,639 |
| Average equity | $11,288,000 | 4,449 |
| Average total loans | $59,566,000 | 4,387 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 2,979 |
| Cost of funding earning assets | 0.4564% | 2,564 |
| Net interest margin | 3.6284% | 3,022 |
| Noninterest income to average assets | 0.2510% | 5,092 |
| Noninterest expense to average assets | 1.8689% | 5,650 |
| Loan and lease loss provision to assets | 0.0848% | 2,599 |
| Net operating income to assets | 1.6948% | 582 |
| Return on assets (ROA) | 1.6948% | 598 |
| Pretax return on assets | 1.6948% | 1,005 |
| Return on Equity (ROE) | 13.8781% | 858 |
| Retained earnings to average equity (ytd only) | 7.8139% | 974 |
| Net charge-offs to loans | -0.0623% | 5,626 |
| Credit loss provision to net charge-offs | -197.3684% | 5,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2240% | 5,685 |
| Assets per employee ($millions) | 7.2623% | 798 |
| Cash dividends to net income (ytd only)* | 43.6958% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 1,386 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,697 |
| Noncurrent loans to loans | 0.0081% | 5,508 |
| Net loans and leases to total assets | 64.2940% | 3,231 |
| Net loans and leases to deposits | 83.9941% | 2,361 |
| Net loans and leases to core deposits | 88.9117% | 2,510 |
| Total domestic deposits to total assets | 76.5459% | 5,383 |
| Equity capital to assets | 12.0633% | 1,912 |
| Core capital (leverage) ratio | 12.4249% | 1,390 |
| Tier 1 risk-based capital ratio | 17.4268% | 2,147 |
| Total risk-based capital ratio | 18.6891% | 2,099 |
| Memoranda: | ||
| Average total assets | $88,447,600 | 4,702 |
| Average earning assets | $82,818,600 | 4,660 |
| Average equity | $10,801,200 | 4,523 |
| Average total loans | $61,029,200 | 4,351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,149 |
| Cost of funding earning assets | 0.4494% | 2,691 |
| Net interest margin | 3.5949% | 3,183 |
| Noninterest income to average assets | 0.2561% | 5,109 |
| Noninterest expense to average assets | 1.7341% | 5,869 |
| Loan and lease loss provision to assets | 0.1150% | 1,965 |
| Net operating income to assets | 1.8047% | 514 |
| Return on assets (ROA) | 1.8047% | 536 |
| Pretax return on assets | 1.8047% | 893 |
| Return on Equity (ROE) | 14.7292% | 766 |
| Retained earnings to average equity (ytd only) | 6.5324% | 1,938 |
| Net charge-offs to loans | -0.0767% | 5,690 |
| Credit loss provision to net charge-offs | -214.2857% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4612% | 5,897 |
| Assets per employee ($millions) | 6.6521% | 998 |
| Cash dividends to net income (ytd only)* | 55.6500% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 1,441 |
| Loan loss allowance to noncurrent loans | 2,658.9744% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,595 |
| Noncurrent loans to loans | 0.0645% | 5,359 |
| Net loans and leases to total assets | 68.6714% | 2,586 |
| Net loans and leases to deposits | 90.5328% | 1,580 |
| Net loans and leases to core deposits | 96.4058% | 1,851 |
| Total domestic deposits to total assets | 75.8525% | 5,510 |
| Equity capital to assets | 12.8381% | 1,537 |
| Core capital (leverage) ratio | 12.7284% | 1,304 |
| Tier 1 risk-based capital ratio | 17.6711% | 2,128 |
| Total risk-based capital ratio | 18.9323% | 2,087 |
| Memoranda: | ||
| Average total assets | $86,957,000 | 4,789 |
| Average earning assets | $82,187,250 | 4,732 |
| Average equity | $10,654,250 | 4,596 |
| Average total loans | $60,851,500 | 4,407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,276 |
| Cost of funding earning assets | 0.4510% | 2,711 |
| Net interest margin | 3.5517% | 3,281 |
| Noninterest income to average assets | 0.2181% | 5,394 |
| Noninterest expense to average assets | 1.7700% | 5,891 |
| Loan and lease loss provision to assets | 0.1148% | 1,919 |
| Net operating income to assets | 1.6782% | 649 |
| Return on assets (ROA) | 1.6782% | 677 |
| Pretax return on assets | 1.6782% | 1,128 |
| Return on Equity (ROE) | 13.9172% | 923 |
| Retained earnings to average equity (ytd only) | 1.4469% | 4,971 |
| Net charge-offs to loans | -0.0525% | 5,565 |
| Credit loss provision to net charge-offs | -312.5000% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6778% | 5,865 |
| Assets per employee ($millions) | 6.9704% | 837 |
| Cash dividends to net income (ytd only)* | 89.6033% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 1,604 |
| Loan loss allowance to noncurrent loans | 42.4540% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8561% | 603 |
| Noncurrent loans to loans | 4.0009% | 386 |
| Net loans and leases to total assets | 68.7058% | 2,532 |
| Net loans and leases to deposits | 85.2036% | 2,147 |
| Net loans and leases to core deposits | 90.5608% | 2,291 |
| Total domestic deposits to total assets | 80.6372% | 4,707 |
| Equity capital to assets | 12.7276% | 1,527 |
| Core capital (leverage) ratio | 12.5798% | 1,340 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,500 |
| Total risk-based capital ratio | 18.0306% | 2,450 |
| Memoranda: | ||
| Average total assets | $87,117,000 | 4,832 |
| Average earning assets | $82,046,330 | 4,774 |
| Average equity | $10,505,000 | 4,651 |
| Average total loans | $60,994,670 | 4,434 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,475 |
| Cost of funding earning assets | 0.4481% | 2,784 |
| Net interest margin | 3.4887% | 3,485 |
| Noninterest income to average assets | 0.1846% | 5,612 |
| Noninterest expense to average assets | 1.7377% | 5,974 |
| Loan and lease loss provision to assets | 0.1125% | 1,834 |
| Net operating income to assets | 1.5936% | 713 |
| Return on assets (ROA) | 1.5936% | 749 |
| Pretax return on assets | 1.5936% | 1,283 |
| Return on Equity (ROE) | 13.5704% | 962 |
| Retained earnings to average equity (ytd only) | -11.5386% | 6,169 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4575% | 5,890 |
| Assets per employee ($millions) | 7.1278% | 815 |
| Cash dividends to net income (ytd only)* | 185.0282% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,895 |
| Loan loss allowance to noncurrent loans | 229.3976% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 3,865 |
| Noncurrent loans to loans | 0.7178% | 3,471 |
| Net loans and leases to total assets | 66.4843% | 2,697 |
| Net loans and leases to deposits | 76.5955% | 2,978 |
| Net loans and leases to core deposits | 80.8974% | 3,066 |
| Total domestic deposits to total assets | 86.7992% | 2,492 |
| Equity capital to assets | 12.0211% | 2,014 |
| Core capital (leverage) ratio | 11.7048% | 1,848 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,416 |
| Total risk-based capital ratio | 16.2823% | 3,344 |
| Memoranda: | ||
| Average total assets | $88,853,000 | 4,840 |
| Average earning assets | $83,010,000 | 4,799 |
| Average equity | $10,434,500 | 4,701 |
| Average total loans | $62,261,000 | 4,422 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,230 |
| Cost of funding earning assets | 0.4598% | 3,075 |
| Net interest margin | 3.6639% | 3,155 |
| Noninterest income to average assets | 0.2143% | 5,572 |
| Noninterest expense to average assets | 1.9639% | 5,832 |
| Loan and lease loss provision to assets | 0.1159% | 2,238 |
| Net operating income to assets | 1.5688% | 759 |
| Return on assets (ROA) | 1.5688% | 792 |
| Pretax return on assets | 1.5688% | 1,323 |
| Return on Equity (ROE) | 13.4928% | 1,043 |
| Retained earnings to average equity (ytd only) | 6.9158% | 1,444 |
| Net charge-offs to loans | -0.1089% | 6,130 |
| Credit loss provision to net charge-offs | -156.2500% | 5,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8266% | 5,852 |
| Assets per employee ($millions) | 7.6811% | 609 |
| Cash dividends to net income (ytd only)* | 48.7445% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 2,999 |
| Loan loss allowance to noncurrent loans | 11,587.5000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,035 |
| Noncurrent loans to loans | 0.0120% | 5,865 |
| Net loans and leases to total assets | 71.3625% | 2,021 |
| Net loans and leases to deposits | 90.8622% | 1,420 |
| Net loans and leases to core deposits | 96.1034% | 1,712 |
| Total domestic deposits to total assets | 78.5393% | 5,342 |
| Equity capital to assets | 11.4860% | 2,439 |
| Core capital (leverage) ratio | 11.5755% | 1,919 |
| Tier 1 risk-based capital ratio | 13.4065% | 4,462 |
| Total risk-based capital ratio | 14.6042% | 4,437 |
| Memoranda: | ||
| Average total assets | $86,308,200 | 4,918 |
| Average earning assets | $80,897,000 | 4,875 |
| Average equity | $10,035,000 | 4,745 |
| Average total loans | $58,773,000 | 4,527 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,450 |
| Cost of funding earning assets | 0.4621% | 3,131 |
| Net interest margin | 3.6192% | 3,350 |
| Noninterest income to average assets | 0.2216% | 5,604 |
| Noninterest expense to average assets | 1.8449% | 6,034 |
| Loan and lease loss provision to assets | 0.0786% | 2,773 |
| Net operating income to assets | 1.6831% | 633 |
| Return on assets (ROA) | 1.6831% | 660 |
| Pretax return on assets | 1.6831% | 1,106 |
| Return on Equity (ROE) | 14.4282% | 909 |
| Retained earnings to average equity (ytd only) | 5.5369% | 2,718 |
| Net charge-offs to loans | -0.0798% | 6,071 |
| Credit loss provision to net charge-offs | -147.0588% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1547% | 6,043 |
| Assets per employee ($millions) | 6.9001% | 841 |
| Cash dividends to net income (ytd only)* | 61.6250% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,317 |
| Loan loss allowance to noncurrent loans | 8,470.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,137 |
| Noncurrent loans to loans | 0.0161% | 5,967 |
| Net loans and leases to total assets | 68.1486% | 2,512 |
| Net loans and leases to deposits | 86.9571% | 1,796 |
| Net loans and leases to core deposits | 92.1285% | 2,027 |
| Total domestic deposits to total assets | 78.3704% | 5,453 |
| Equity capital to assets | 11.4648% | 2,515 |
| Core capital (leverage) ratio | 11.7178% | 1,900 |
| Tier 1 risk-based capital ratio | 13.8306% | 4,335 |
| Total risk-based capital ratio | 14.9930% | 4,323 |
| Memoranda: | ||
| Average total assets | $84,842,000 | 5,001 |
| Average earning assets | $79,352,250 | 4,955 |
| Average equity | $9,897,000 | 4,808 |
| Average total loans | $56,790,250 | 4,632 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,740 |
| Cost of funding earning assets | 0.4683% | 3,124 |
| Net interest margin | 3.5279% | 3,664 |
| Noninterest income to average assets | 0.2355% | 5,517 |
| Noninterest expense to average assets | 1.8360% | 6,095 |
| Loan and lease loss provision to assets | 0.1202% | 2,049 |
| Net operating income to assets | 1.5741% | 747 |
| Return on assets (ROA) | 1.5741% | 780 |
| Pretax return on assets | 1.5741% | 1,322 |
| Return on Equity (ROE) | 13.4111% | 1,074 |
| Retained earnings to average equity (ytd only) | -0.1024% | 5,702 |
| Net charge-offs to loans | -0.1344% | 6,233 |
| Credit loss provision to net charge-offs | -135.1351% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0082% | 6,064 |
| Assets per employee ($millions) | 5.8767% | 1,368 |
| Cash dividends to net income (ytd only)* | 100.7634% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 2,889 |
| Loan loss allowance to noncurrent loans | 119.7183% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 3,385 |
| Noncurrent loans to loans | 1.2543% | 2,717 |
| Net loans and leases to total assets | 67.7675% | 2,448 |
| Net loans and leases to deposits | 81.3953% | 2,334 |
| Net loans and leases to core deposits | 86.7688% | 2,440 |
| Total domestic deposits to total assets | 83.2572% | 4,208 |
| Equity capital to assets | 11.9977% | 1,979 |
| Core capital (leverage) ratio | 11.8644% | 1,740 |
| Tier 1 risk-based capital ratio | 14.2520% | 4,098 |
| Total risk-based capital ratio | 15.5055% | 4,025 |
| Memoranda: | ||
| Average total assets | $83,222,330 | 5,074 |
| Average earning assets | $77,724,000 | 5,027 |
| Average equity | $9,768,000 | 4,852 |
| Average total loans | $55,061,330 | 4,718 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,866 |
| Cost of funding earning assets | 0.4721% | 3,211 |
| Net interest margin | 3.4861% | 3,759 |
| Noninterest income to average assets | 0.2103% | 5,670 |
| Noninterest expense to average assets | 1.7826% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6393% | 630 |
| Return on assets (ROA) | 1.6393% | 657 |
| Pretax return on assets | 1.6393% | 1,088 |
| Return on Equity (ROE) | 14.1203% | 928 |
| Retained earnings to average equity (ytd only) | -13.0500% | 6,438 |
| Net charge-offs to loans | -0.1032% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0950% | 6,134 |
| Assets per employee ($millions) | 6.2703% | 1,137 |
| Cash dividends to net income (ytd only)* | 192.4198% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,137 |
| Loan loss allowance to noncurrent loans | 141.5301% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 4,099 |
| Noncurrent loans to loans | 1.0614% | 3,302 |
| Net loans and leases to total assets | 62.5034% | 3,154 |
| Net loans and leases to deposits | 71.8188% | 3,363 |
| Net loans and leases to core deposits | 75.2215% | 3,499 |
| Total domestic deposits to total assets | 87.0292% | 2,793 |
| Equity capital to assets | 11.7415% | 2,063 |
| Core capital (leverage) ratio | 11.2988% | 2,138 |
| Tier 1 risk-based capital ratio | 14.5510% | 3,981 |
| Total risk-based capital ratio | 15.7525% | 3,962 |
| Memoranda: | ||
| Average total assets | $83,696,500 | 5,116 |
| Average earning assets | $77,106,500 | 5,089 |
| Average equity | $9,716,500 | 4,886 |
| Average total loans | $54,289,500 | 4,782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,826 |
| Cost of funding earning assets | 0.5154% | 3,450 |
| Net interest margin | 3.5621% | 3,631 |
| Noninterest income to average assets | 0.3209% | 5,040 |
| Noninterest expense to average assets | 1.9565% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7405% | 536 |
| Return on assets (ROA) | 1.7405% | 555 |
| Pretax return on assets | 1.6780% | 989 |
| Return on Equity (ROE) | 14.9545% | 776 |
| Retained earnings to average equity (ytd only) | 7.9278% | 1,079 |
| Net charge-offs to loans | -0.6072% | 6,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8303% | 6,151 |
| Assets per employee ($millions) | 6.6061% | 941 |
| Cash dividends to net income (ytd only)* | 46.9871% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,925 |
| Loan loss allowance to noncurrent loans | 12,716.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,412 |
| Noncurrent loans to loans | 0.0106% | 6,254 |
| Net loans and leases to total assets | 65.3128% | 2,805 |
| Net loans and leases to deposits | 79.4555% | 2,525 |
| Net loans and leases to core deposits | 82.8704% | 2,790 |
| Total domestic deposits to total assets | 82.2005% | 4,807 |
| Equity capital to assets | 11.4836% | 2,181 |
| Core capital (leverage) ratio | 12.1718% | 1,511 |
| Tier 1 risk-based capital ratio | 14.2077% | 4,150 |
| Total risk-based capital ratio | 15.3294% | 4,186 |
| Memoranda: | ||
| Average total assets | $80,093,800 | 5,233 |
| Average earning assets | $74,505,600 | 5,184 |
| Average equity | $9,321,600 | 5,013 |
| Average total loans | $51,380,800 | 4,920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,925 |
| Cost of funding earning assets | 0.5255% | 3,520 |
| Net interest margin | 3.5274% | 3,762 |
| Noninterest income to average assets | 0.3611% | 4,808 |
| Noninterest expense to average assets | 1.8411% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8936% | 439 |
| Return on assets (ROA) | 1.8936% | 452 |
| Pretax return on assets | 1.8089% | 885 |
| Return on Equity (ROE) | 16.2118% | 622 |
| Retained earnings to average equity (ytd only) | 6.7053% | 2,033 |
| Net charge-offs to loans | -0.7598% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4412% | 6,372 |
| Assets per employee ($millions) | 6.1114% | 1,164 |
| Cash dividends to net income (ytd only)* | 58.6390% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,917 |
| Loan loss allowance to noncurrent loans | 640.0000% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,010 |
| Noncurrent loans to loans | 0.2179% | 5,688 |
| Net loans and leases to total assets | 65.4881% | 2,721 |
| Net loans and leases to deposits | 80.3127% | 2,363 |
| Net loans and leases to core deposits | 84.0873% | 2,647 |
| Total domestic deposits to total assets | 81.5414% | 5,069 |
| Equity capital to assets | 12.0909% | 1,862 |
| Core capital (leverage) ratio | 12.1692% | 1,578 |
| Tier 1 risk-based capital ratio | 14.8611% | 3,840 |
| Total risk-based capital ratio | 16.0264% | 3,852 |
| Memoranda: | ||
| Average total assets | $78,647,500 | 5,320 |
| Average earning assets | $73,328,250 | 5,264 |
| Average equity | $9,186,500 | 5,091 |
| Average total loans | $50,012,750 | 5,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,493 |
| Cost of funding earning assets | 0.5270% | 3,636 |
| Net interest margin | 3.3693% | 4,305 |
| Noninterest income to average assets | 0.2143% | 5,907 |
| Noninterest expense to average assets | 1.8857% | 6,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6050% | 742 |
| Return on assets (ROA) | 1.6050% | 813 |
| Pretax return on assets | 1.4774% | 1,682 |
| Return on Equity (ROE) | 13.9057% | 1,032 |
| Retained earnings to average equity (ytd only) | -0.5748% | 5,975 |
| Net charge-offs to loans | -0.1752% | 6,628 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0698% | 5,959 |
| Assets per employee ($millions) | 5.8410% | 1,316 |
| Cash dividends to net income (ytd only)* | 104.1335% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,812 |
| Loan loss allowance to noncurrent loans | 37.1988% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7489% | 2,492 |
| Noncurrent loans to loans | 2.6945% | 1,692 |
| Net loans and leases to total assets | 64.2553% | 2,876 |
| Net loans and leases to deposits | 74.1854% | 3,126 |
| Net loans and leases to core deposits | 77.9845% | 3,291 |
| Total domestic deposits to total assets | 86.6145% | 3,049 |
| Equity capital to assets | 12.0185% | 1,905 |
| Core capital (leverage) ratio | 11.4880% | 1,944 |
| Tier 1 risk-based capital ratio | 14.9901% | 3,783 |
| Total risk-based capital ratio | 15.8231% | 4,018 |
| Memoranda: | ||
| Average total assets | $78,380,670 | 5,365 |
| Average earning assets | $73,248,670 | 5,297 |
| Average equity | $9,046,670 | 5,160 |
| Average total loans | $49,095,330 | 5,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,922 |
| Cost of funding earning assets | 0.5112% | 3,958 |
| Net interest margin | 3.2586% | 4,689 |
| Noninterest income to average assets | 0.1960% | 6,074 |
| Noninterest expense to average assets | 1.8441% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3366% | 1,189 |
| Return on assets (ROA) | 1.3366% | 1,285 |
| Pretax return on assets | 1.4271% | 1,778 |
| Return on Equity (ROE) | 11.8130% | 1,472 |
| Retained earnings to average equity (ytd only) | -17.2755% | 6,795 |
| Net charge-offs to loans | -0.0653% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3748% | 6,024 |
| Assets per employee ($millions) | 6.1688% | 1,153 |
| Cash dividends to net income (ytd only)* | 246.2406% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 5,913 |
| Loan loss allowance to noncurrent loans | 9,180.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,610 |
| Noncurrent loans to loans | 0.0111% | 6,468 |
| Net loans and leases to total assets | 55.4368% | 4,180 |
| Net loans and leases to deposits | 63.3002% | 4,382 |
| Net loans and leases to core deposits | 66.2983% | 4,494 |
| Total domestic deposits to total assets | 87.5776% | 2,584 |
| Equity capital to assets | 11.0058% | 2,952 |
| Core capital (leverage) ratio | 10.4838% | 2,802 |
| Tier 1 risk-based capital ratio | 14.7420% | 4,001 |
| Total risk-based capital ratio | 15.5375% | 4,268 |
| Memoranda: | ||
| Average total assets | $79,604,500 | 5,374 |
| Average earning assets | $75,124,500 | 5,291 |
| Average equity | $9,007,000 | 5,220 |
| Average total loans | $49,000,500 | 5,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 4,246 |
| Cost of funding earning assets | 0.5939% | 4,408 |
| Net interest margin | 3.6924% | 3,680 |
| Noninterest income to average assets | 0.3888% | 4,691 |
| Noninterest expense to average assets | 2.0265% | 6,280 |
| Loan and lease loss provision to assets | 0.1350% | 3,938 |
| Net operating income to assets | 1.5495% | 834 |
| Return on assets (ROA) | 1.5620% | 887 |
| Pretax return on assets | 1.6822% | 1,178 |
| Return on Equity (ROE) | 13.2674% | 1,163 |
| Retained earnings to average equity (ytd only) | 5.7565% | 2,216 |
| Net charge-offs to loans | -0.0971% | 6,819 |
| Credit loss provision to net charge-offs | -232.5581% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9080% | 6,380 |
| Assets per employee ($millions) | 6.0781% | 1,238 |
| Cash dividends to net income (ytd only)* | 56.6119% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,394 |
| Loan loss allowance to noncurrent loans | 15,033.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,703 |
| Noncurrent loans to loans | 0.0057% | 6,568 |
| Net loans and leases to total assets | 66.6127% | 2,434 |
| Net loans and leases to deposits | 76.5842% | 2,706 |
| Net loans and leases to core deposits | 79.9265% | 3,014 |
| Total domestic deposits to total assets | 86.9797% | 2,854 |
| Equity capital to assets | 11.6282% | 2,327 |
| Core capital (leverage) ratio | 11.9531% | 1,593 |
| Tier 1 risk-based capital ratio | 14.5503% | 3,992 |
| Total risk-based capital ratio | 15.2885% | 4,315 |
| Memoranda: | ||
| Average total assets | $74,070,000 | 5,510 |
| Average earning assets | $69,033,200 | 5,463 |
| Average equity | $8,720,600 | 5,299 |
| Average total loans | $44,287,000 | 5,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 4,659 |
| Cost of funding earning assets | 0.6158% | 4,493 |
| Net interest margin | 3.6302% | 4,099 |
| Noninterest income to average assets | 0.4302% | 4,410 |
| Noninterest expense to average assets | 1.8928% | 6,535 |
| Loan and lease loss provision to assets | 0.1831% | 3,303 |
| Net operating income to assets | 1.6195% | 808 |
| Return on assets (ROA) | 1.6366% | 862 |
| Pretax return on assets | 1.7610% | 1,142 |
| Return on Equity (ROE) | 13.8541% | 1,140 |
| Retained earnings to average equity (ytd only) | 3.7037% | 4,281 |
| Net charge-offs to loans | -0.1109% | 6,875 |
| Credit loss provision to net charge-offs | -285.7143% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5686% | 6,620 |
| Assets per employee ($millions) | 5.6371% | 1,508 |
| Cash dividends to net income (ytd only)* | 73.2661% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 6,228 |
| Loan loss allowance to noncurrent loans | 8,860.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,774 |
| Noncurrent loans to loans | 0.0108% | 6,637 |
| Net loans and leases to total assets | 62.6170% | 3,276 |
| Net loans and leases to deposits | 72.0814% | 3,602 |
| Net loans and leases to core deposits | 75.4869% | 3,793 |
| Total domestic deposits to total assets | 86.8699% | 2,754 |
| Equity capital to assets | 12.2049% | 2,111 |
| Core capital (leverage) ratio | 11.8640% | 1,737 |
| Tier 1 risk-based capital ratio | 15.6111% | 3,470 |
| Total risk-based capital ratio | 16.4108% | 3,683 |
| Memoranda: | ||
| Average total assets | $72,833,750 | 5,607 |
| Average earning assets | $67,983,000 | 5,555 |
| Average equity | $8,603,750 | 5,380 |
| Average total loans | $42,087,500 | 5,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1094% | 5,290 |
| Cost of funding earning assets | 0.6347% | 4,578 |
| Net interest margin | 3.4747% | 4,782 |
| Noninterest income to average assets | 0.5201% | 3,787 |
| Noninterest expense to average assets | 1.8436% | 6,693 |
| Loan and lease loss provision to assets | 0.2752% | 2,386 |
| Net operating income to assets | 1.5152% | 966 |
| Return on assets (ROA) | 1.5354% | 1,054 |
| Pretax return on assets | 1.6620% | 1,364 |
| Return on Equity (ROE) | 13.1444% | 1,326 |
| Retained earnings to average equity (ytd only) | -2.1672% | 6,379 |
| Net charge-offs to loans | -0.1672% | 6,966 |
| Credit loss provision to net charge-offs | -294.1176% | 6,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0483% | 6,709 |
| Assets per employee ($millions) | 5.9775% | 1,248 |
| Cash dividends to net income (ytd only)* | 116.4875% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,148 |
| Loan loss allowance to noncurrent loans | 8,840.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,832 |
| Noncurrent loans to loans | 0.0113% | 6,674 |
| Net loans and leases to total assets | 60.8309% | 3,656 |
| Net loans and leases to deposits | 69.8345% | 3,917 |
| Net loans and leases to core deposits | 73.1918% | 4,143 |
| Total domestic deposits to total assets | 87.1072% | 2,712 |
| Equity capital to assets | 11.9727% | 2,171 |
| Core capital (leverage) ratio | 11.5803% | 1,848 |
| Tier 1 risk-based capital ratio | 15.7515% | 3,302 |
| Total risk-based capital ratio | 16.5885% | 3,509 |
| Memoranda: | ||
| Average total assets | $72,684,330 | 5,649 |
| Average earning assets | $67,747,330 | 5,596 |
| Average equity | $8,490,330 | 5,420 |
| Average total loans | $40,673,330 | 5,566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 5,677 |
| Cost of funding earning assets | 0.6634% | 4,605 |
| Net interest margin | 3.3645% | 5,249 |
| Noninterest income to average assets | 0.2078% | 6,140 |
| Noninterest expense to average assets | 1.8589% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3216% | 1,396 |
| Return on assets (ROA) | 1.3614% | 1,457 |
| Pretax return on assets | 1.4981% | 1,872 |
| Return on Equity (ROE) | 11.7989% | 1,736 |
| Retained earnings to average equity (ytd only) | -19.0014% | 7,033 |
| Net charge-offs to loans | -0.0308% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1056% | 6,111 |
| Assets per employee ($millions) | 6.2275% | 1,137 |
| Cash dividends to net income (ytd only)* | 261.0442% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8385% | 6,669 |
| Loan loss allowance to noncurrent loans | 370.2381% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 6,599 |
| Noncurrent loans to loans | 0.2265% | 6,237 |
| Net loans and leases to total assets | 49.2132% | 5,401 |
| Net loans and leases to deposits | 55.8522% | 5,621 |
| Net loans and leases to core deposits | 58.3484% | 5,685 |
| Total domestic deposits to total assets | 88.1132% | 2,238 |
| Equity capital to assets | 11.0210% | 2,883 |
| Core capital (leverage) ratio | 10.9376% | 2,306 |
| Tier 1 risk-based capital ratio | 16.1829% | 3,083 |
| Total risk-based capital ratio | 16.8114% | 3,381 |
| Memoranda: | ||
| Average total assets | $73,161,500 | 5,676 |
| Average earning assets | $67,528,500 | 5,640 |
| Average equity | $8,441,500 | 5,454 |
| Average total loans | $38,972,000 | 5,684 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 3,829 |
| Cost of funding earning assets | 0.9438% | 3,759 |
| Net interest margin | 3.8526% | 3,555 |
| Noninterest income to average assets | 0.2357% | 5,849 |
| Noninterest expense to average assets | 2.1109% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5232% | 784 |
| Return on assets (ROA) | 1.5246% | 852 |
| Pretax return on assets | 1.6216% | 1,160 |
| Return on Equity (ROE) | 12.3780% | 1,303 |
| Retained earnings to average equity (ytd only) | 5.0505% | 2,603 |
| Net charge-offs to loans | 0.7683% | 2,233 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 3.5032% | 3,494 |
| Efficiency ratio | 56.5774% | 6,238 |
| Assets per employee ($millions) | 5.9661% | 1,251 |
| Cash dividends to net income (ytd only)* | 59.1977% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 6,828 |
| Loan loss allowance to noncurrent loans | 285.1852% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 6,566 |
| Noncurrent loans to loans | 0.2643% | 6,193 |
| Net loans and leases to total assets | 56.6368% | 4,603 |
| Net loans and leases to deposits | 65.3315% | 4,831 |
| Net loans and leases to core deposits | 68.9029% | 4,919 |
| Total domestic deposits to total assets | 86.6914% | 2,920 |
| Equity capital to assets | 12.0780% | 2,063 |
| Core capital (leverage) ratio | 12.3171% | 1,426 |
| Tier 1 risk-based capital ratio | 16.3724% | 2,877 |
| Total risk-based capital ratio | 16.9705% | 3,165 |
| Memoranda: | ||
| Average total assets | $67,034,200 | 5,840 |
| Average earning assets | $60,816,400 | 5,842 |
| Average equity | $8,256,600 | 5,490 |
| Average total loans | $40,350,800 | 5,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 3,551 |
| Cost of funding earning assets | 1.0096% | 3,614 |
| Net interest margin | 3.8913% | 3,422 |
| Noninterest income to average assets | 0.2509% | 5,820 |
| Noninterest expense to average assets | 2.0315% | 6,632 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6492% | 706 |
| Return on assets (ROA) | 1.6511% | 772 |
| Pretax return on assets | 1.7543% | 1,034 |
| Return on Equity (ROE) | 13.3346% | 1,200 |
| Retained earnings to average equity (ytd only) | 3.4481% | 4,283 |
| Net charge-offs to loans | 0.3116% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.2128% | 2,081 |
| Efficiency ratio | 53.6898% | 6,522 |
| Assets per employee ($millions) | 5.6176% | 1,491 |
| Cash dividends to net income (ytd only)* | 74.1427% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,917 |
| Loan loss allowance to noncurrent loans | 165.8228% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 5,910 |
| Noncurrent loans to loans | 0.7964% | 5,279 |
| Net loans and leases to total assets | 58.0870% | 4,499 |
| Net loans and leases to deposits | 67.4958% | 4,692 |
| Net loans and leases to core deposits | 71.9837% | 4,717 |
| Total domestic deposits to total assets | 86.0601% | 3,187 |
| Equity capital to assets | 12.5365% | 1,899 |
| Core capital (leverage) ratio | 12.5928% | 1,394 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,835 |
| Total risk-based capital ratio | 17.6084% | 2,904 |
| Memoranda: | ||
| Average total assets | $65,894,500 | 5,911 |
| Average earning assets | $59,824,750 | 5,912 |
| Average equity | $8,159,000 | 5,551 |
| Average total loans | $40,224,500 | 5,734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 4,386 |
| Cost of funding earning assets | 1.0346% | 3,708 |
| Net interest margin | 3.6973% | 4,275 |
| Noninterest income to average assets | 0.2263% | 6,048 |
| Noninterest expense to average assets | 2.1074% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4467% | 986 |
| Return on assets (ROA) | 1.4467% | 1,045 |
| Pretax return on assets | 1.5293% | 1,439 |
| Return on Equity (ROE) | 11.7345% | 1,570 |
| Retained earnings to average equity (ytd only) | -3.2748% | 6,403 |
| Net charge-offs to loans | 0.4702% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.2632% | 2,653 |
| Efficiency ratio | 57.9479% | 6,171 |
| Assets per employee ($millions) | 5.4807% | 1,589 |
| Cash dividends to net income (ytd only)* | 127.9070% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 4,930 |
| Loan loss allowance to noncurrent loans | 106.9530% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 5,143 |
| Noncurrent loans to loans | 1.2428% | 4,584 |
| Net loans and leases to total assets | 59.0302% | 4,464 |
| Net loans and leases to deposits | 68.4021% | 4,648 |
| Net loans and leases to core deposits | 73.0483% | 4,701 |
| Total domestic deposits to total assets | 86.2988% | 3,158 |
| Equity capital to assets | 12.3388% | 1,880 |
| Core capital (leverage) ratio | 11.9488% | 1,624 |
| Tier 1 risk-based capital ratio | 16.0889% | 2,935 |
| Total risk-based capital ratio | 17.1552% | 3,001 |
| Memoranda: | ||
| Average total assets | $65,389,000 | 5,976 |
| Average earning assets | $60,315,000 | 5,947 |
| Average equity | $8,061,670 | 5,594 |
| Average total loans | $40,405,670 | 5,786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 4,825 |
| Cost of funding earning assets | 1.0527% | 3,835 |
| Net interest margin | 3.5764% | 4,678 |
| Noninterest income to average assets | 0.2331% | 6,049 |
| Noninterest expense to average assets | 2.0614% | 6,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4601% | 964 |
| Return on assets (ROA) | 1.4601% | 999 |
| Pretax return on assets | 1.5276% | 1,370 |
| Return on Equity (ROE) | 11.8482% | 1,501 |
| Retained earnings to average equity (ytd only) | -18.2701% | 7,125 |
| Net charge-offs to loans | -0.0391% | 6,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4359% | 6,334 |
| Assets per employee ($millions) | 5.4319% | 1,636 |
| Cash dividends to net income (ytd only)* | 254.2017% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 3,481 |
| Loan loss allowance to noncurrent loans | 293.3962% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 6,087 |
| Noncurrent loans to loans | 0.5664% | 5,892 |
| Net loans and leases to total assets | 56.4718% | 4,915 |
| Net loans and leases to deposits | 65.1943% | 5,095 |
| Net loans and leases to core deposits | 69.5710% | 5,101 |
| Total domestic deposits to total assets | 86.6207% | 3,173 |
| Equity capital to assets | 12.0553% | 1,886 |
| Core capital (leverage) ratio | 11.6798% | 1,753 |
| Tier 1 risk-based capital ratio | 15.9939% | 2,902 |
| Total risk-based capital ratio | 17.2481% | 2,876 |
| Memoranda: | ||
| Average total assets | $65,199,500 | 6,022 |
| Average earning assets | $61,178,000 | 5,962 |
| Average equity | $8,035,000 | 5,595 |
| Average total loans | $40,935,500 | 5,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 2,675 |
| Cost of funding earning assets | 1.2566% | 4,170 |
| Net interest margin | 4.1428% | 2,397 |
| Noninterest income to average assets | 0.4074% | 4,847 |
| Noninterest expense to average assets | 2.4528% | 5,938 |
| Loan and lease loss provision to assets | 0.0412% | 6,752 |
| Net operating income to assets | 1.7798% | 442 |
| Return on assets (ROA) | 1.7798% | 478 |
| Pretax return on assets | 1.7798% | 801 |
| Return on Equity (ROE) | 13.8668% | 912 |
| Retained earnings to average equity (ytd only) | 7.3768% | 1,184 |
| Net charge-offs to loans | -0.0319% | 7,404 |
| Credit loss provision to net charge-offs | -192.3077% | 7,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3910% | 6,404 |
| Assets per employee ($millions) | 5.4347% | 1,643 |
| Cash dividends to net income (ytd only)* | 46.8026% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,564 |
| Loan loss allowance to noncurrent loans | 286.1111% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 6,133 |
| Noncurrent loans to loans | 0.4861% | 6,068 |
| Net loans and leases to total assets | 67.1936% | 3,162 |
| Net loans and leases to deposits | 79.5213% | 3,254 |
| Net loans and leases to core deposits | 84.9969% | 3,464 |
| Total domestic deposits to total assets | 84.4977% | 4,108 |
| Equity capital to assets | 12.5920% | 1,581 |
| Core capital (leverage) ratio | 13.0120% | 1,126 |
| Tier 1 risk-based capital ratio | 15.3377% | 3,076 |
| Total risk-based capital ratio | 16.5162% | 3,069 |
| Memoranda: | ||
| Average total assets | $60,625,400 | 6,169 |
| Average earning assets | $56,579,800 | 6,117 |
| Average equity | $7,781,200 | 5,784 |
| Average total loans | $40,703,600 | 5,897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 2,755 |
| Cost of funding earning assets | 1.2849% | 4,327 |
| Net interest margin | 4.1424% | 2,440 |
| Noninterest income to average assets | 0.3071% | 5,697 |
| Noninterest expense to average assets | 2.3000% | 6,328 |
| Loan and lease loss provision to assets | 0.0560% | 6,510 |
| Net operating income to assets | 1.8247% | 469 |
| Return on assets (ROA) | 1.8247% | 516 |
| Pretax return on assets | 1.8247% | 884 |
| Return on Equity (ROE) | 14.1436% | 1,000 |
| Retained earnings to average equity (ytd only) | 5.3690% | 2,724 |
| Net charge-offs to loans | 0.1375% | 5,198 |
| Credit loss provision to net charge-offs | 60.9756% | 5,662 |
| Earnings coverage of net charge-offs (x) | 20.4617% | 1,163 |
| Efficiency ratio | 55.0134% | 6,682 |
| Assets per employee ($millions) | 5.0792% | 2,082 |
| Cash dividends to net income (ytd only)* | 62.0394% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,747 |
| Loan loss allowance to noncurrent loans | 259.9078% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 5,996 |
| Noncurrent loans to loans | 0.5161% | 6,166 |
| Net loans and leases to total assets | 68.0640% | 3,197 |
| Net loans and leases to deposits | 84.6736% | 2,584 |
| Net loans and leases to core deposits | 91.8928% | 2,821 |
| Total domestic deposits to total assets | 80.3839% | 5,584 |
| Equity capital to assets | 13.0976% | 1,526 |
| Core capital (leverage) ratio | 12.4794% | 1,415 |
| Tier 1 risk-based capital ratio | 17.3130% | 2,238 |
| Total risk-based capital ratio | 18.5642% | 2,197 |
| Memoranda: | ||
| Average total assets | $59,477,750 | 6,288 |
| Average earning assets | $55,618,000 | 6,211 |
| Average equity | $7,673,500 | 5,890 |
| Average total loans | $39,769,750 | 6,014 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 3,356 |
| Cost of funding earning assets | 1.2925% | 4,582 |
| Net interest margin | 4.0301% | 2,880 |
| Noninterest income to average assets | 0.3391% | 5,431 |
| Noninterest expense to average assets | 2.2310% | 6,569 |
| Loan and lease loss provision to assets | 0.0848% | 6,079 |
| Net operating income to assets | 1.7868% | 500 |
| Return on assets (ROA) | 1.7868% | 549 |
| Pretax return on assets | 1.7868% | 912 |
| Return on Equity (ROE) | 13.9228% | 1,058 |
| Retained earnings to average equity (ytd only) | 0.5812% | 5,530 |
| Net charge-offs to loans | -0.1128% | 7,572 |
| Credit loss provision to net charge-offs | -113.6364% | 6,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3802% | 6,834 |
| Assets per employee ($millions) | 5.0660% | 2,098 |
| Cash dividends to net income (ytd only)* | 95.8254% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,870 |
| Loan loss allowance to noncurrent loans | 76.5568% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 3,953 |
| Noncurrent loans to loans | 1.9715% | 3,764 |
| Net loans and leases to total assets | 67.3049% | 3,549 |
| Net loans and leases to deposits | 86.6644% | 2,406 |
| Net loans and leases to core deposits | 94.3330% | 2,664 |
| Total domestic deposits to total assets | 77.6615% | 6,348 |
| Equity capital to assets | 12.6546% | 1,709 |
| Core capital (leverage) ratio | 12.8250% | 1,270 |
| Tier 1 risk-based capital ratio | 15.3041% | 3,006 |
| Total risk-based capital ratio | 16.5540% | 2,968 |
| Memoranda: | ||
| Average total assets | $58,987,000 | 6,350 |
| Average earning assets | $55,085,670 | 6,274 |
| Average equity | $7,570,330 | 5,939 |
| Average total loans | $39,010,000 | 6,086 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 3,185 |
| Cost of funding earning assets | 1.3281% | 4,631 |
| Net interest margin | 4.0435% | 2,680 |
| Noninterest income to average assets | 0.2273% | 6,330 |
| Noninterest expense to average assets | 2.2657% | 6,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7147% | 593 |
| Return on assets (ROA) | 1.7147% | 646 |
| Pretax return on assets | 1.7147% | 1,032 |
| Return on Equity (ROE) | 13.2641% | 1,201 |
| Retained earnings to average equity (ytd only) | -13.6370% | 7,153 |
| Net charge-offs to loans | -0.1272% | 7,567 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9204% | 6,638 |
| Assets per employee ($millions) | 4.7168% | 2,621 |
| Cash dividends to net income (ytd only)* | 202.8112% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,354 |
| Loan loss allowance to noncurrent loans | 162.0219% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 5,194 |
| Noncurrent loans to loans | 1.0016% | 5,320 |
| Net loans and leases to total assets | 63.5101% | 4,427 |
| Net loans and leases to deposits | 76.5780% | 4,306 |
| Net loans and leases to core deposits | 83.5942% | 4,260 |
| Total domestic deposits to total assets | 82.9352% | 4,658 |
| Equity capital to assets | 13.0384% | 1,509 |
| Core capital (leverage) ratio | 12.4369% | 1,431 |
| Tier 1 risk-based capital ratio | 15.7233% | 2,765 |
| Total risk-based capital ratio | 16.9744% | 2,715 |
| Memoranda: | ||
| Average total assets | $58,084,500 | 6,468 |
| Average earning assets | $53,913,500 | 6,393 |
| Average equity | $7,509,000 | 6,011 |
| Average total loans | $37,743,500 | 6,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 3,916 |
| Cost of funding earning assets | 1.5489% | 5,288 |
| Net interest margin | 3.9933% | 2,890 |
| Noninterest income to average assets | 0.0463% | 7,517 |
| Noninterest expense to average assets | 2.3385% | 6,640 |
| Loan and lease loss provision to assets | 0.4456% | 4,155 |
| Net operating income to assets | 0.9661% | 1,958 |
| Return on assets (ROA) | 0.9661% | 2,011 |
| Pretax return on assets | 0.9661% | 2,708 |
| Return on Equity (ROE) | 7.2674% | 2,681 |
| Retained earnings to average equity (ytd only) | -0.7777% | 5,195 |
| Net charge-offs to loans | 0.6822% | 3,147 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.1680% | 3,473 |
| Efficiency ratio | 62.3574% | 6,086 |
| Assets per employee ($millions) | 4.9639% | 2,268 |
| Cash dividends to net income (ytd only)* | 110.7011% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 3,780 |
| Loan loss allowance to noncurrent loans | 189.5425% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8310% | 5,439 |
| Noncurrent loans to loans | 0.7857% | 5,704 |
| Net loans and leases to total assets | 64.4081% | 4,512 |
| Net loans and leases to deposits | 81.1944% | 3,765 |
| Net loans and leases to core deposits | 91.8110% | 4,909 |
| Total domestic deposits to total assets | 79.3258% | 5,895 |
| Equity capital to assets | 12.8225% | 1,587 |
| Core capital (leverage) ratio | 13.5909% | 1,067 |
| Tier 1 risk-based capital ratio | 16.0899% | 2,478 |
| Total risk-based capital ratio | 17.3350% | 2,416 |
| Memoranda: | ||
| Average total assets | $56,103,600 | 6,490 |
| Average earning assets | $52,036,600 | 6,459 |
| Average equity | $7,458,000 | 6,104 |
| Average total loans | $36,648,600 | 6,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6568% | 3,536 |
| Cost of funding earning assets | 1.6140% | 5,340 |
| Net interest margin | 4.0428% | 2,624 |
| Noninterest income to average assets | 0.2341% | 6,550 |
| Noninterest expense to average assets | 2.4282% | 6,320 |
| Loan and lease loss provision to assets | 0.6034% | 2,977 |
| Net operating income to assets | 0.9631% | 2,184 |
| Return on assets (ROA) | 0.9631% | 2,244 |
| Pretax return on assets | 0.9631% | 3,013 |
| Return on Equity (ROE) | 7.1764% | 2,992 |
| Retained earnings to average equity (ytd only) | -3.6151% | 6,049 |
| Net charge-offs to loans | 0.4066% | 3,631 |
| Credit loss provision to net charge-offs | 227.2727% | 1,919 |
| Earnings coverage of net charge-offs (x) | 5.9001% | 2,708 |
| Efficiency ratio | 60.7855% | 6,311 |
| Assets per employee ($millions) | 4.5903% | 2,712 |
| Cash dividends to net income (ytd only)* | 150.3750% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 1,842 |
| Loan loss allowance to noncurrent loans | 185.5670% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0965% | 4,887 |
| Noncurrent loans to loans | 1.0683% | 5,179 |
| Net loans and leases to total assets | 64.6268% | 4,729 |
| Net loans and leases to deposits | 79.2251% | 4,529 |
| Net loans and leases to core deposits | 89.0754% | 5,521 |
| Total domestic deposits to total assets | 81.5736% | 4,844 |
| Equity capital to assets | 13.5611% | 1,469 |
| Core capital (leverage) ratio | 13.3646% | 1,273 |
| Tier 1 risk-based capital ratio | 16.8601% | 2,316 |
| Total risk-based capital ratio | 18.1145% | 2,267 |
| Memoranda: | ||
| Average total assets | $55,237,750 | 6,570 |
| Average earning assets | $51,382,000 | 6,524 |
| Average equity | $7,413,000 | 6,181 |
| Average total loans | $36,074,250 | 6,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 3,754 |
| Cost of funding earning assets | 1.6691% | 5,427 |
| Net interest margin | 3.9933% | 2,721 |
| Noninterest income to average assets | 0.2351% | 6,598 |
| Noninterest expense to average assets | 2.3440% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5953% | 686 |
| Return on assets (ROA) | 1.5953% | 755 |
| Pretax return on assets | 1.5953% | 1,214 |
| Return on Equity (ROE) | 11.9286% | 1,437 |
| Retained earnings to average equity (ytd only) | -4.3008% | 6,187 |
| Net charge-offs to loans | 0.6279% | 2,468 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.9027% | 3,280 |
| Efficiency ratio | 59.5041% | 6,620 |
| Assets per employee ($millions) | 4.3631% | 3,004 |
| Cash dividends to net income (ytd only)* | 136.0544% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 4,032 |
| Loan loss allowance to noncurrent loans | 47.5076% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 2.4543% | 2,629 |
| Noncurrent loans to loans | 2.8227% | 2,550 |
| Net loans and leases to total assets | 65.6226% | 4,640 |
| Net loans and leases to deposits | 80.7379% | 4,432 |
| Net loans and leases to core deposits | 90.7933% | 5,471 |
| Total domestic deposits to total assets | 81.2785% | 4,969 |
| Equity capital to assets | 14.2674% | 1,231 |
| Core capital (leverage) ratio | 14.0408% | 1,130 |
| Tier 1 risk-based capital ratio | 17.4527% | 2,165 |
| Total risk-based capital ratio | 18.5550% | 2,148 |
| Memoranda: | ||
| Average total assets | $55,289,000 | 6,625 |
| Average earning assets | $51,285,670 | 6,583 |
| Average equity | $7,394,000 | 6,223 |
| Average total loans | $35,992,670 | 6,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7256% | 3,664 |
| Cost of funding earning assets | 1.7330% | 5,461 |
| Net interest margin | 3.9927% | 2,675 |
| Noninterest income to average assets | 0.2255% | 6,662 |
| Noninterest expense to average assets | 2.1355% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7761% | 556 |
| Return on assets (ROA) | 1.7761% | 612 |
| Pretax return on assets | 1.7761% | 1,027 |
| Return on Equity (ROE) | 13.7031% | 1,227 |
| Retained earnings to average equity (ytd only) | -18.9233% | 7,614 |
| Net charge-offs to loans | 1.3014% | 1,083 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.1176% | 3,667 |
| Efficiency ratio | 54.5946% | 7,160 |
| Assets per employee ($millions) | 4.5264% | 2,678 |
| Cash dividends to net income (ytd only)* | 238.0952% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 3,584 |
| Loan loss allowance to noncurrent loans | 1,280.5556% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 5,615 |
| Noncurrent loans to loans | 0.1082% | 7,222 |
| Net loans and leases to total assets | 60.4286% | 5,588 |
| Net loans and leases to deposits | 71.5581% | 5,803 |
| Net loans and leases to core deposits | 79.1641% | 6,446 |
| Total domestic deposits to total assets | 84.4469% | 3,488 |
| Equity capital to assets | 13.3292% | 1,600 |
| Core capital (leverage) ratio | 12.9050% | 1,513 |
| Tier 1 risk-based capital ratio | 16.3560% | 2,569 |
| Total risk-based capital ratio | 17.4026% | 2,573 |
| Memoranda: | ||
| Average total assets | $56,755,000 | 6,591 |
| Average earning assets | $52,396,000 | 6,557 |
| Average equity | $7,356,000 | 6,272 |
| Average total loans | $36,576,500 | 6,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4942% | 2,983 |
| Cost of funding earning assets | 2.4549% | 4,447 |
| Net interest margin | 4.0393% | 2,942 |
| Noninterest income to average assets | 0.2758% | 6,487 |
| Noninterest expense to average assets | 2.3032% | 6,691 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6511% | 746 |
| Return on assets (ROA) | 1.6511% | 718 |
| Pretax return on assets | 1.6511% | 1,259 |
| Return on Equity (ROE) | 12.5451% | 1,435 |
| Retained earnings to average equity (ytd only) | 5.6064% | 1,709 |
| Net charge-offs to loans | -0.0568% | 8,038 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2448% | 6,653 |
| Assets per employee ($millions) | 4.9328% | 2,017 |
| Cash dividends to net income (ytd only)* | 55.3097% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 2,898 |
| Loan loss allowance to noncurrent loans | 347.3054% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7974% | 4,862 |
| Noncurrent loans to loans | 0.4189% | 6,090 |
| Net loans and leases to total assets | 66.3744% | 4,775 |
| Net loans and leases to deposits | 89.4742% | 3,538 |
| Net loans and leases to core deposits | 98.0460% | 5,036 |
| Total domestic deposits to total assets | 74.1828% | 6,626 |
| Equity capital to assets | 12.6231% | 1,958 |
| Core capital (leverage) ratio | 13.5429% | 1,373 |
| Tier 1 risk-based capital ratio | 15.5207% | 2,839 |
| Total risk-based capital ratio | 16.7126% | 2,795 |
| Memoranda: | ||
| Average total assets | $54,750,800 | 6,590 |
| Average earning assets | $49,859,600 | 6,594 |
| Average equity | $7,206,000 | 6,383 |
| Average total loans | $35,233,800 | 6,411 |