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 | 6.0522% | 593 |
| Cost of funding earning assets | 1.5903% | 1,716 |
| Net interest margin | 4.4619% | 650 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0692% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.4968% | 240 |
| Return on assets (ROA) | 2.1673% | 349 |
| Pretax return on assets | 2.2739% | 449 |
| Return on Equity (ROE) | 24.5600% | 326 |
| Retained earnings to average equity (ytd only) | 10.4556% | 915 |
| Net charge-offs to loans | -0.1325% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.1194% | 4,248 |
| Assets per employee ($millions) | 10.1047% | 687 |
| Cash dividends to net income (ytd only)* | 57.4287% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,143 |
| Loan loss allowance to noncurrent loans | 237.2881% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,197 |
| Noncurrent loans to loans | 0.6195% | 1,273 |
| Net loans and leases to total assets | 74.2900% | 1,314 |
| Net loans and leases to deposits | 88.8928% | 1,350 |
| Net loans and leases to core deposits | 120.9381% | 596 |
| Total domestic deposits to total assets | 83.5700% | 2,736 |
| Equity capital to assets | 8.9787% | 2,688 |
| Core capital (leverage) ratio | 10.7531% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5992% | 2,028 |
| Memoranda: | ||
| Average total assets | $140,683,800 | 3,454 |
| Average earning assets | $133,687,400 | 3,408 |
| Average equity | $12,414,400 | 3,489 |
| Average total loans | $104,127,200 | 3,132 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8912% | 609 |
| Cost of funding earning assets | 1.4332% | 1,782 |
| Net interest margin | 4.4580% | 657 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.0962% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4476% | 281 |
| Return on assets (ROA) | 1.9995% | 490 |
| Pretax return on assets | 2.1010% | 653 |
| Return on Equity (ROE) | 22.7700% | 506 |
| Retained earnings to average equity (ytd only) | 9.0348% | 1,678 |
| Net charge-offs to loans | -0.1903% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.8975% | 4,192 |
| Assets per employee ($millions) | 9.2785% | 840 |
| Cash dividends to net income (ytd only)* | 60.3190% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 814 |
| Loan loss allowance to noncurrent loans | 464.7383% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 1,957 |
| Noncurrent loans to loans | 0.3519% | 1,964 |
| Net loans and leases to total assets | 72.9100% | 1,478 |
| Net loans and leases to deposits | 86.0372% | 1,570 |
| Net loans and leases to core deposits | 117.5936% | 619 |
| Total domestic deposits to total assets | 84.7400% | 2,583 |
| Equity capital to assets | 8.7019% | 2,599 |
| Core capital (leverage) ratio | 10.9280% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3457% | 1,773 |
| Memoranda: | ||
| Average total assets | $137,962,250 | 3,486 |
| Average earning assets | $131,176,250 | 3,443 |
| Average equity | $12,115,750 | 3,519 |
| Average total loans | $101,589,750 | 3,161 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 708 |
| Cost of funding earning assets | 1.3045% | 1,698 |
| Net interest margin | 4.3254% | 779 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.0617% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3772% | 279 |
| Return on assets (ROA) | 2.3772% | 274 |
| Pretax return on assets | 2.4979% | 362 |
| Return on Equity (ROE) | 26.9900% | 293 |
| Retained earnings to average equity (ytd only) | 13.2537% | 769 |
| Net charge-offs to loans | -0.0930% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.2168% | 4,199 |
| Assets per employee ($millions) | 8.6658% | 1,013 |
| Cash dividends to net income (ytd only)* | 50.8869% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,016 |
| Loan loss allowance to noncurrent loans | 436.5385% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 1,891 |
| Noncurrent loans to loans | 0.3573% | 1,853 |
| Net loans and leases to total assets | 72.3400% | 1,486 |
| Net loans and leases to deposits | 80.6742% | 1,924 |
| Net loans and leases to core deposits | 108.2768% | 895 |
| Total domestic deposits to total assets | 89.6700% | 1,024 |
| Equity capital to assets | 9.0442% | 2,488 |
| Core capital (leverage) ratio | 10.8608% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5106% | 1,722 |
| Memoranda: | ||
| Average total assets | $137,557,333 | 3,495 |
| Average earning assets | $131,085,667 | 3,454 |
| Average equity | $12,117,333 | 3,525 |
| Average total loans | $101,068,000 | 3,168 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 952 |
| Cost of funding earning assets | 1.1981% | 1,453 |
| Net interest margin | 4.0020% | 1,260 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.0874% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0086% | 486 |
| Return on assets (ROA) | 2.0086% | 482 |
| Pretax return on assets | 2.1079% | 646 |
| Return on Equity (ROE) | 23.1100% | 499 |
| Retained earnings to average equity (ytd only) | 9.1382% | 1,901 |
| Net charge-offs to loans | -0.0278% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.7564% | 3,958 |
| Assets per employee ($millions) | 9.8591% | 735 |
| Cash dividends to net income (ytd only)* | 60.4651% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,098 |
| Loan loss allowance to noncurrent loans | 160.6846% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 701 |
| Noncurrent loans to loans | 0.9691% | 770 |
| Net loans and leases to total assets | 70.9500% | 1,528 |
| Net loans and leases to deposits | 78.3662% | 1,934 |
| Net loans and leases to core deposits | 103.1223% | 962 |
| Total domestic deposits to total assets | 90.5300% | 971 |
| Equity capital to assets | 8.8192% | 2,652 |
| Core capital (leverage) ratio | 10.6973% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3900% | 1,834 |
| Memoranda: | ||
| Average total assets | $137,009,500 | 3,544 |
| Average earning assets | $130,536,000 | 3,499 |
| Average equity | $11,906,000 | 3,579 |
| Average total loans | $100,658,000 | 3,207 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 861 |
| Cost of funding earning assets | 0.4874% | 1,486 |
| Net interest margin | 3.9251% | 907 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.2253% | 2,958 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.8631% | 378 |
| Return on assets (ROA) | 1.8674% | 361 |
| Pretax return on assets | 1.9618% | 519 |
| Return on Equity (ROE) | 20.3500% | 445 |
| Retained earnings to average equity (ytd only) | 4.6342% | 3,198 |
| Net charge-offs to loans | 0.1290% | 610 |
| Credit loss provision to net charge-offs | 20.0000% | 1,931 |
| Earnings coverage of net charge-offs (x) | 21.1120% | 1,866 |
| Efficiency ratio | 52.9674% | 3,892 |
| Assets per employee ($millions) | 8.4994% | 1,092 |
| Cash dividends to net income (ytd only)* | 77.2253% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,163 |
| Loan loss allowance to noncurrent loans | 223.4783% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5074% | 1,006 |
| Noncurrent loans to loans | 0.6775% | 1,104 |
| Net loans and leases to total assets | 73.7500% | 1,240 |
| Net loans and leases to deposits | 83.5586% | 1,497 |
| Net loans and leases to core deposits | 101.9662% | 897 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 8.5587% | 2,670 |
| Core capital (leverage) ratio | 10.7670% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9767% | 1,987 |
| Memoranda: | ||
| Average total assets | $133,554,000 | 3,601 |
| Average earning assets | $127,818,800 | 3,548 |
| Average equity | $12,256,800 | 3,651 |
| Average total loans | $96,901,400 | 3,197 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 625 |
| Cost of funding earning assets | 0.4028% | 1,271 |
| Net interest margin | 3.9651% | 688 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1562% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9770% | 296 |
| Return on assets (ROA) | 1.9827% | 294 |
| Pretax return on assets | 2.0850% | 393 |
| Return on Equity (ROE) | 21.2400% | 340 |
| Retained earnings to average equity (ytd only) | 7.6918% | 2,117 |
| Net charge-offs to loans | 0.0251% | 1,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 871 |
| Efficiency ratio | 50.9117% | 4,101 |
| Assets per employee ($millions) | 8.3657% | 1,138 |
| Cash dividends to net income (ytd only)* | 63.7835% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 952 |
| Loan loss allowance to noncurrent loans | 147.3684% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 605 |
| Noncurrent loans to loans | 1.1242% | 657 |
| Net loans and leases to total assets | 72.0200% | 1,299 |
| Net loans and leases to deposits | 83.5645% | 1,334 |
| Net loans and leases to core deposits | 102.3583% | 727 |
| Total domestic deposits to total assets | 86.1900% | 3,024 |
| Equity capital to assets | 8.4295% | 2,592 |
| Core capital (leverage) ratio | 10.9764% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2517% | 1,959 |
| Memoranda: | ||
| Average total assets | $132,944,750 | 3,628 |
| Average earning assets | $127,442,750 | 3,581 |
| Average equity | $12,411,250 | 3,663 |
| Average total loans | $95,667,000 | 3,228 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 507 |
| Cost of funding earning assets | 0.3655% | 1,147 |
| Net interest margin | 3.9643% | 533 |
| Noninterest income to average assets | 0.4297% | 2,573 |
| Noninterest expense to average assets | 2.0989% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0375% | 215 |
| Return on assets (ROA) | 2.0461% | 214 |
| Pretax return on assets | 2.1501% | 269 |
| Return on Equity (ROE) | 21.2241% | 229 |
| Retained earnings to average equity (ytd only) | 8.0705% | 1,594 |
| Net charge-offs to loans | 0.0358% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 83.5294% | 908 |
| Efficiency ratio | 49.5021% | 4,281 |
| Assets per employee ($millions) | 8.8840% | 926 |
| Cash dividends to net income (ytd only)* | 61.9749% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 907 |
| Loan loss allowance to noncurrent loans | 113.6268% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 425 |
| Noncurrent loans to loans | 1.5256% | 485 |
| Net loans and leases to total assets | 69.1700% | 1,380 |
| Net loans and leases to deposits | 76.5486% | 1,645 |
| Net loans and leases to core deposits | 95.5449% | 847 |
| Total domestic deposits to total assets | 90.3609% | 1,539 |
| Equity capital to assets | 9.1175% | 2,304 |
| Core capital (leverage) ratio | 11.0036% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7736% | 1,775 |
| Memoranda: | ||
| Average total assets | $132,642,667 | 3,673 |
| Average earning assets | $127,489,333 | 3,628 |
| Average equity | $12,787,333 | 3,702 |
| Average total loans | $94,881,333 | 3,255 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 260 |
| Cost of funding earning assets | 0.3707% | 1,057 |
| Net interest margin | 4.2259% | 271 |
| Noninterest income to average assets | 0.3748% | 2,844 |
| Noninterest expense to average assets | 2.0705% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2609% | 152 |
| Return on assets (ROA) | 2.2609% | 150 |
| Pretax return on assets | 2.3698% | 213 |
| Return on Equity (ROE) | 22.8292% | 132 |
| Retained earnings to average equity (ytd only) | 10.0107% | 1,017 |
| Net charge-offs to loans | -0.0042% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6304% | 4,465 |
| Assets per employee ($millions) | 8.5136% | 1,111 |
| Cash dividends to net income (ytd only)* | 56.1497% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 928 |
| Loan loss allowance to noncurrent loans | 65.1984% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.9733% | 147 |
| Noncurrent loans to loans | 2.7137% | 213 |
| Net loans and leases to total assets | 71.4300% | 882 |
| Net loans and leases to deposits | 79.6784% | 1,169 |
| Net loans and leases to core deposits | 104.1848% | 391 |
| Total domestic deposits to total assets | 89.6479% | 1,742 |
| Equity capital to assets | 9.8760% | 1,988 |
| Core capital (leverage) ratio | 10.6868% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9652% | 1,806 |
| Memoranda: | ||
| Average total assets | $132,334,000 | 3,700 |
| Average earning assets | $127,311,500 | 3,645 |
| Average equity | $13,106,000 | 3,746 |
| Average total loans | $95,421,000 | 3,257 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 285 |
| Cost of funding earning assets | 0.4655% | 1,095 |
| Net interest margin | 4.4639% | 295 |
| Noninterest income to average assets | 0.3959% | 3,070 |
| Noninterest expense to average assets | 2.1282% | 3,312 |
| Loan and lease loss provision to assets | 0.0804% | 1,524 |
| Net operating income to assets | 2.3702% | 186 |
| Return on assets (ROA) | 2.3702% | 192 |
| Pretax return on assets | 2.4835% | 263 |
| Return on Equity (ROE) | 22.8134% | 183 |
| Retained earnings to average equity (ytd only) | 6.3317% | 2,210 |
| Net charge-offs to loans | 0.2383% | 390 |
| Credit loss provision to net charge-offs | 43.7500% | 2,177 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 2,057 |
| Efficiency ratio | 45.3566% | 4,527 |
| Assets per employee ($millions) | 8.5603% | 1,061 |
| Cash dividends to net income (ytd only)* | 72.2456% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,102 |
| Loan loss allowance to noncurrent loans | 90.8186% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.3201% | 346 |
| Noncurrent loans to loans | 1.8453% | 447 |
| Net loans and leases to total assets | 70.3382% | 1,008 |
| Net loans and leases to deposits | 78.4262% | 1,362 |
| Net loans and leases to core deposits | 100.5910% | 513 |
| Total domestic deposits to total assets | 89.6871% | 1,121 |
| Equity capital to assets | 9.9296% | 2,727 |
| Core capital (leverage) ratio | 10.2191% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1708% | 2,173 |
| Memoranda: | ||
| Average total assets | $130,581,000 | 3,680 |
| Average earning assets | $125,675,800 | 3,621 |
| Average equity | $13,566,600 | 3,784 |
| Average total loans | $100,714,200 | 3,187 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 238 |
| Cost of funding earning assets | 0.4854% | 1,131 |
| Net interest margin | 4.6577% | 236 |
| Noninterest income to average assets | 0.3980% | 3,092 |
| Noninterest expense to average assets | 2.0601% | 3,485 |
| Loan and lease loss provision to assets | 0.1031% | 1,171 |
| Net operating income to assets | 2.5894% | 192 |
| Return on assets (ROA) | 2.5894% | 196 |
| Pretax return on assets | 2.7176% | 248 |
| Return on Equity (ROE) | 24.6338% | 186 |
| Retained earnings to average equity (ytd only) | 9.6569% | 1,430 |
| Net charge-offs to loans | 0.3182% | 243 |
| Credit loss provision to net charge-offs | 41.3223% | 1,913 |
| Earnings coverage of net charge-offs (x) | 11.2769% | 2,006 |
| Efficiency ratio | 42.2067% | 4,655 |
| Assets per employee ($millions) | 8.1352% | 1,213 |
| Cash dividends to net income (ytd only)* | 60.7984% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 1,137 |
| Loan loss allowance to noncurrent loans | 62.3808% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0136% | 183 |
| Noncurrent loans to loans | 2.6999% | 264 |
| Net loans and leases to total assets | 73.3265% | 743 |
| Net loans and leases to deposits | 82.6677% | 1,055 |
| Net loans and leases to core deposits | 107.7088% | 373 |
| Total domestic deposits to total assets | 88.7003% | 1,460 |
| Equity capital to assets | 10.7173% | 2,246 |
| Core capital (leverage) ratio | 10.4815% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5368% | 2,152 |
| Memoranda: | ||
| Average total assets | $128,985,250 | 3,725 |
| Average earning assets | $124,149,250 | 3,673 |
| Average equity | $13,558,250 | 3,833 |
| Average total loans | $101,397,750 | 3,221 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1937% | 261 |
| Cost of funding earning assets | 0.4976% | 1,215 |
| Net interest margin | 4.6961% | 265 |
| Noninterest income to average assets | 0.3857% | 3,188 |
| Noninterest expense to average assets | 2.0297% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.7467% | 161 |
| Return on assets (ROA) | 2.7467% | 164 |
| Pretax return on assets | 2.8773% | 215 |
| Return on Equity (ROE) | 26.3039% | 161 |
| Retained earnings to average equity (ytd only) | 11.1859% | 1,081 |
| Net charge-offs to loans | -0.0564% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3629% | 4,712 |
| Assets per employee ($millions) | 9.0126% | 859 |
| Cash dividends to net income (ytd only)* | 57.4745% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,003 |
| Loan loss allowance to noncurrent loans | 189.5068% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 1,163 |
| Noncurrent loans to loans | 0.9126% | 1,357 |
| Net loans and leases to total assets | 75.9108% | 596 |
| Net loans and leases to deposits | 85.0105% | 987 |
| Net loans and leases to core deposits | 108.2921% | 408 |
| Total domestic deposits to total assets | 89.2957% | 1,143 |
| Equity capital to assets | 10.2124% | 2,656 |
| Core capital (leverage) ratio | 10.2649% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1151% | 2,319 |
| Memoranda: | ||
| Average total assets | $128,592,667 | 3,740 |
| Average earning assets | $123,805,000 | 3,692 |
| Average equity | $13,427,667 | 3,848 |
| Average total loans | $102,837,333 | 3,221 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 296 |
| Cost of funding earning assets | 0.5084% | 1,340 |
| Net interest margin | 4.6318% | 301 |
| Noninterest income to average assets | 0.3544% | 3,314 |
| Noninterest expense to average assets | 2.0240% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6561% | 206 |
| Return on assets (ROA) | 2.6561% | 231 |
| Pretax return on assets | 2.7806% | 311 |
| Return on Equity (ROE) | 25.1388% | 254 |
| Retained earnings to average equity (ytd only) | 9.7896% | 1,714 |
| Net charge-offs to loans | 0.0196% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 174.2000% | 440 |
| Efficiency ratio | 42.1262% | 4,662 |
| Assets per employee ($millions) | 8.7283% | 904 |
| Cash dividends to net income (ytd only)* | 61.0577% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 929 |
| Loan loss allowance to noncurrent loans | 184.4953% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 1,259 |
| Noncurrent loans to loans | 0.9525% | 1,422 |
| Net loans and leases to total assets | 75.7050% | 653 |
| Net loans and leases to deposits | 84.7355% | 1,071 |
| Net loans and leases to core deposits | 107.9436% | 461 |
| Total domestic deposits to total assets | 89.3427% | 1,150 |
| Equity capital to assets | 10.2250% | 2,500 |
| Core capital (leverage) ratio | 10.5484% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3618% | 2,541 |
| Memoranda: | ||
| Average total assets | $125,294,500 | 3,800 |
| Average earning assets | $120,386,000 | 3,736 |
| Average equity | $13,238,500 | 3,878 |
| Average total loans | $102,041,500 | 3,227 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 230 |
| Cost of funding earning assets | 0.8138% | 1,154 |
| Net interest margin | 4.5654% | 285 |
| Noninterest income to average assets | 0.4355% | 2,933 |
| Noninterest expense to average assets | 2.0868% | 3,961 |
| Loan and lease loss provision to assets | 0.3672% | 903 |
| Net operating income to assets | 2.2397% | 178 |
| Return on assets (ROA) | 2.2397% | 189 |
| Pretax return on assets | 2.3498% | 236 |
| Return on Equity (ROE) | 20.1844% | 226 |
| Retained earnings to average equity (ytd only) | 7.0488% | 1,380 |
| Net charge-offs to loans | 0.1361% | 1,186 |
| Credit loss provision to net charge-offs | 311.5942% | 1,695 |
| Earnings coverage of net charge-offs (x) | 23.0580% | 1,819 |
| Efficiency ratio | 43.4412% | 4,803 |
| Assets per employee ($millions) | 7.9777% | 1,048 |
| Cash dividends to net income (ytd only)* | 65.0782% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 992 |
| Loan loss allowance to noncurrent loans | 86.0116% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.7265% | 373 |
| Noncurrent loans to loans | 2.0021% | 573 |
| Net loans and leases to total assets | 84.7508% | 143 |
| Net loans and leases to deposits | 95.8364% | 561 |
| Net loans and leases to core deposits | 117.2695% | 349 |
| Total domestic deposits to total assets | 88.4327% | 1,260 |
| Equity capital to assets | 10.9389% | 2,311 |
| Core capital (leverage) ratio | 10.6788% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1480% | 2,570 |
| Memoranda: | ||
| Average total assets | $117,114,600 | 3,780 |
| Average earning assets | $112,060,000 | 3,734 |
| Average equity | $12,995,200 | 3,863 |
| Average total loans | $101,360,800 | 3,207 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 191 |
| Cost of funding earning assets | 0.8877% | 1,107 |
| Net interest margin | 4.7042% | 254 |
| Noninterest income to average assets | 0.3892% | 3,137 |
| Noninterest expense to average assets | 2.0650% | 4,016 |
| Loan and lease loss provision to assets | 0.4061% | 857 |
| Net operating income to assets | 2.3008% | 177 |
| Return on assets (ROA) | 2.3008% | 186 |
| Pretax return on assets | 2.4187% | 241 |
| Return on Equity (ROE) | 20.6602% | 218 |
| Retained earnings to average equity (ytd only) | 12.8998% | 339 |
| Net charge-offs to loans | 0.1850% | 809 |
| Credit loss provision to net charge-offs | 253.5714% | 1,911 |
| Earnings coverage of net charge-offs (x) | 17.6286% | 2,003 |
| Efficiency ratio | 42.2285% | 4,851 |
| Assets per employee ($millions) | 8.2154% | 923 |
| Cash dividends to net income (ytd only)* | 37.5622% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,035 |
| Loan loss allowance to noncurrent loans | 77.0975% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 425 |
| Noncurrent loans to loans | 2.1056% | 569 |
| Net loans and leases to total assets | 83.5991% | 315 |
| Net loans and leases to deposits | 94.5042% | 882 |
| Net loans and leases to core deposits | 121.6049% | 383 |
| Total domestic deposits to total assets | 88.4607% | 987 |
| Equity capital to assets | 10.9136% | 2,465 |
| Core capital (leverage) ratio | 11.0467% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4319% | 2,445 |
| Memoranda: | ||
| Average total assets | $116,477,000 | 3,781 |
| Average earning assets | $111,443,750 | 3,728 |
| Average equity | $12,971,500 | 3,873 |
| Average total loans | $100,902,500 | 3,226 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8668% | 172 |
| Cost of funding earning assets | 1.0126% | 951 |
| Net interest margin | 4.8542% | 261 |
| Noninterest income to average assets | 0.4220% | 2,960 |
| Noninterest expense to average assets | 2.0556% | 4,123 |
| Loan and lease loss provision to assets | 0.5253% | 655 |
| Net operating income to assets | 2.3620% | 169 |
| Return on assets (ROA) | 2.3620% | 186 |
| Pretax return on assets | 2.4828% | 221 |
| Return on Equity (ROE) | 21.0578% | 198 |
| Retained earnings to average equity (ytd only) | 13.1748% | 338 |
| Net charge-offs to loans | -0.0281% | 4,517 |
| Credit loss provision to net charge-offs | -2,142.8571% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5947% | 4,900 |
| Assets per employee ($millions) | 7.8624% | 1,023 |
| Cash dividends to net income (ytd only)* | 37.4351% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 739 |
| Loan loss allowance to noncurrent loans | 77.1110% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 365 |
| Noncurrent loans to loans | 2.2648% | 546 |
| Net loans and leases to total assets | 85.8186% | 147 |
| Net loans and leases to deposits | 97.1511% | 717 |
| Net loans and leases to core deposits | 131.9742% | 239 |
| Total domestic deposits to total assets | 88.3352% | 1,022 |
| Equity capital to assets | 11.0730% | 2,273 |
| Core capital (leverage) ratio | 11.1712% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3093% | 2,479 |
| Memoranda: | ||
| Average total assets | $114,225,667 | 3,798 |
| Average earning assets | $109,224,333 | 3,754 |
| Average equity | $12,812,333 | 3,895 |
| Average total loans | $99,630,000 | 3,237 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 185 |
| Cost of funding earning assets | 1.2147% | 734 |
| Net interest margin | 4.6868% | 341 |
| Noninterest income to average assets | 0.3880% | 3,184 |
| Noninterest expense to average assets | 2.0824% | 4,257 |
| Loan and lease loss provision to assets | 0.5695% | 496 |
| Net operating income to assets | 2.0966% | 225 |
| Return on assets (ROA) | 2.0966% | 247 |
| Pretax return on assets | 2.1999% | 296 |
| Return on Equity (ROE) | 18.5673% | 231 |
| Retained earnings to average equity (ytd only) | 18.5673% | 80 |
| Net charge-offs to loans | 0.1307% | 935 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 24.3125% | 1,303 |
| Efficiency ratio | 42.9200% | 4,915 |
| Assets per employee ($millions) | 7.4483% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 934 |
| Loan loss allowance to noncurrent loans | 68.8140% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0980% | 376 |
| Noncurrent loans to loans | 2.4121% | 511 |
| Net loans and leases to total assets | 85.5349% | 166 |
| Net loans and leases to deposits | 97.2256% | 793 |
| Net loans and leases to core deposits | 132.8870% | 235 |
| Total domestic deposits to total assets | 87.9757% | 1,118 |
| Equity capital to assets | 11.4416% | 2,495 |
| Core capital (leverage) ratio | 11.1531% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4130% | 2,523 |
| Memoranda: | ||
| Average total assets | $112,370,500 | 3,808 |
| Average earning assets | $107,025,000 | 3,766 |
| Average equity | $12,689,000 | 3,915 |
| Average total loans | $97,940,000 | 3,250 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 505 |
| Cost of funding earning assets | 1.2918% | 780 |
| Net interest margin | 4.2694% | 1,165 |
| Noninterest income to average assets | 0.4668% | 2,919 |
| Noninterest expense to average assets | 2.0839% | 4,387 |
| Loan and lease loss provision to assets | 0.6042% | 198 |
| Net operating income to assets | 1.7765% | 551 |
| Return on assets (ROA) | 1.7765% | 586 |
| Pretax return on assets | 1.8654% | 806 |
| Return on Equity (ROE) | 16.4152% | 489 |
| Retained earnings to average equity (ytd only) | 4.7366% | 2,561 |
| Net charge-offs to loans | 1.1578% | 134 |
| Credit loss provision to net charge-offs | 61.3047% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.5058% | 3,410 |
| Efficiency ratio | 45.7640% | 4,921 |
| Assets per employee ($millions) | 7.5345% | 850 |
| Cash dividends to net income (ytd only)* | 71.1453% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,221 |
| Loan loss allowance to noncurrent loans | 51.8325% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.5350% | 252 |
| Noncurrent loans to loans | 2.9026% | 333 |
| Net loans and leases to total assets | 86.0216% | 160 |
| Net loans and leases to deposits | 97.4734% | 799 |
| Net loans and leases to core deposits | 123.9311% | 385 |
| Total domestic deposits to total assets | 88.2513% | 1,000 |
| Equity capital to assets | 11.1443% | 2,866 |
| Core capital (leverage) ratio | 10.9979% | 2,503 |
| Tier 1 risk-based capital ratio | 11.8395% | 4,454 |
| Total risk-based capital ratio | 13.0913% | 4,326 |
| Memoranda: | ||
| Average total assets | $113,539,200 | 3,780 |
| Average earning assets | $108,681,600 | 3,733 |
| Average equity | $12,287,400 | 3,964 |
| Average total loans | $96,650,200 | 3,270 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6086% | 487 |
| Cost of funding earning assets | 1.3021% | 778 |
| Net interest margin | 4.3065% | 1,153 |
| Noninterest income to average assets | 0.4657% | 2,924 |
| Noninterest expense to average assets | 2.0949% | 4,371 |
| Loan and lease loss provision to assets | 0.6874% | 152 |
| Net operating income to assets | 1.7242% | 708 |
| Return on assets (ROA) | 1.7242% | 747 |
| Pretax return on assets | 1.8110% | 1,066 |
| Return on Equity (ROE) | 16.0513% | 597 |
| Retained earnings to average equity (ytd only) | 7.9930% | 1,393 |
| Net charge-offs to loans | 1.2843% | 110 |
| Credit loss provision to net charge-offs | 63.2829% | 2,681 |
| Earnings coverage of net charge-offs (x) | 2.3002% | 3,210 |
| Efficiency ratio | 45.6078% | 4,952 |
| Assets per employee ($millions) | 7.5789% | 821 |
| Cash dividends to net income (ytd only)* | 50.2043% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 908 |
| Loan loss allowance to noncurrent loans | 92.6600% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 741 |
| Noncurrent loans to loans | 1.7767% | 808 |
| Net loans and leases to total assets | 82.9264% | 459 |
| Net loans and leases to deposits | 94.1168% | 1,210 |
| Net loans and leases to core deposits | 121.2309% | 497 |
| Total domestic deposits to total assets | 88.1100% | 993 |
| Equity capital to assets | 11.2232% | 2,902 |
| Core capital (leverage) ratio | 11.3421% | 2,348 |
| Tier 1 risk-based capital ratio | 11.9205% | 4,452 |
| Total risk-based capital ratio | 13.1725% | 4,344 |
| Memoranda: | ||
| Average total assets | $113,669,750 | 3,824 |
| Average earning assets | $108,949,250 | 3,767 |
| Average equity | $12,210,500 | 4,007 |
| Average total loans | $96,136,750 | 3,321 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 547 |
| Cost of funding earning assets | 1.2801% | 788 |
| Net interest margin | 4.2402% | 1,269 |
| Noninterest income to average assets | 0.4575% | 2,921 |
| Noninterest expense to average assets | 2.0851% | 4,440 |
| Loan and lease loss provision to assets | 1.0311% | 92 |
| Net operating income to assets | 1.3337% | 1,639 |
| Return on assets (ROA) | 1.3337% | 1,704 |
| Pretax return on assets | 1.4094% | 2,174 |
| Return on Equity (ROE) | 12.6043% | 1,372 |
| Retained earnings to average equity (ytd only) | 4.4231% | 3,054 |
| Net charge-offs to loans | 1.8975% | 57 |
| Credit loss provision to net charge-offs | 64.1840% | 2,370 |
| Earnings coverage of net charge-offs (x) | 1.5192% | 3,010 |
| Efficiency ratio | 46.0731% | 4,988 |
| Assets per employee ($millions) | 7.5941% | 778 |
| Cash dividends to net income (ytd only)* | 64.9077% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 923 |
| Loan loss allowance to noncurrent loans | 102.3151% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 889 |
| Noncurrent loans to loans | 1.6130% | 955 |
| Net loans and leases to total assets | 83.2344% | 441 |
| Net loans and leases to deposits | 93.8827% | 1,275 |
| Net loans and leases to core deposits | 123.2743% | 447 |
| Total domestic deposits to total assets | 88.6579% | 801 |
| Equity capital to assets | 10.7741% | 3,288 |
| Core capital (leverage) ratio | 10.9226% | 2,669 |
| Tier 1 risk-based capital ratio | 11.4598% | 4,704 |
| Total risk-based capital ratio | 12.7119% | 4,596 |
| Memoranda: | ||
| Average total assets | $113,665,000 | 3,851 |
| Average earning assets | $109,052,330 | 3,792 |
| Average equity | $12,027,670 | 4,042 |
| Average total loans | $96,231,670 | 3,337 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 698 |
| Cost of funding earning assets | 1.2693% | 731 |
| Net interest margin | 4.0763% | 1,618 |
| Noninterest income to average assets | 0.3523% | 3,500 |
| Noninterest expense to average assets | 2.0398% | 4,578 |
| Loan and lease loss provision to assets | 1.1837% | 72 |
| Net operating income to assets | 0.9618% | 3,000 |
| Return on assets (ROA) | 0.9618% | 3,046 |
| Pretax return on assets | 1.0322% | 3,337 |
| Return on Equity (ROE) | 9.1726% | 2,719 |
| Retained earnings to average equity (ytd only) | 0.9072% | 4,335 |
| Net charge-offs to loans | 0.0707% | 1,352 |
| Credit loss provision to net charge-offs | 1,976.4706% | 222 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,202 |
| Efficiency ratio | 47.9305% | 4,946 |
| Assets per employee ($millions) | 7.5483% | 799 |
| Cash dividends to net income (ytd only)* | 90.1099% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 281 |
| Loan loss allowance to noncurrent loans | 98.6767% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0022% | 489 |
| Noncurrent loans to loans | 2.3900% | 559 |
| Net loans and leases to total assets | 81.7973% | 614 |
| Net loans and leases to deposits | 91.9712% | 1,404 |
| Net loans and leases to core deposits | 122.5650% | 463 |
| Total domestic deposits to total assets | 88.9380% | 885 |
| Equity capital to assets | 10.5675% | 3,289 |
| Core capital (leverage) ratio | 10.6470% | 2,898 |
| Tier 1 risk-based capital ratio | 11.2490% | 4,865 |
| Total risk-based capital ratio | 12.5091% | 4,771 |
| Memoranda: | ||
| Average total assets | $113,541,500 | 3,885 |
| Average earning assets | $108,725,500 | 3,834 |
| Average equity | $11,905,000 | 4,070 |
| Average total loans | $96,145,000 | 3,381 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 663 |
| Cost of funding earning assets | 0.9603% | 885 |
| Net interest margin | 4.2730% | 1,216 |
| Noninterest income to average assets | 0.4070% | 3,398 |
| Noninterest expense to average assets | 2.1197% | 4,518 |
| Loan and lease loss provision to assets | 0.2543% | 669 |
| Net operating income to assets | 2.0353% | 336 |
| Return on assets (ROA) | 2.0370% | 333 |
| Pretax return on assets | 2.1331% | 410 |
| Return on Equity (ROE) | 19.7464% | 262 |
| Retained earnings to average equity (ytd only) | 6.6024% | 1,863 |
| Net charge-offs to loans | 0.0850% | 1,932 |
| Credit loss provision to net charge-offs | 353.7500% | 899 |
| Earnings coverage of net charge-offs (x) | 33.1875% | 1,505 |
| Efficiency ratio | 47.0483% | 5,087 |
| Assets per employee ($millions) | 7.1161% | 930 |
| Cash dividends to net income (ytd only)* | 66.5637% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 498 |
| Loan loss allowance to noncurrent loans | 2,862.6866% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,548 |
| Noncurrent loans to loans | 0.0688% | 4,444 |
| Net loans and leases to total assets | 83.8940% | 425 |
| Net loans and leases to deposits | 94.0593% | 1,273 |
| Net loans and leases to core deposits | 115.8998% | 689 |
| Total domestic deposits to total assets | 89.1927% | 778 |
| Equity capital to assets | 10.4033% | 3,280 |
| Core capital (leverage) ratio | 10.6306% | 2,907 |
| Tier 1 risk-based capital ratio | 11.1525% | 4,890 |
| Total risk-based capital ratio | 12.4083% | 4,798 |
| Memoranda: | ||
| Average total assets | $111,291,800 | 3,921 |
| Average earning assets | $106,740,800 | 3,862 |
| Average equity | $11,480,600 | 4,088 |
| Average total loans | $94,077,600 | 3,407 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 695 |
| Cost of funding earning assets | 0.9014% | 916 |
| Net interest margin | 4.2458% | 1,247 |
| Noninterest income to average assets | 0.4037% | 3,460 |
| Noninterest expense to average assets | 2.1352% | 4,474 |
| Loan and lease loss provision to assets | 0.3410% | 402 |
| Net operating income to assets | 1.9184% | 462 |
| Return on assets (ROA) | 1.9207% | 459 |
| Pretax return on assets | 2.0051% | 613 |
| Return on Equity (ROE) | 18.6600% | 370 |
| Retained earnings to average equity (ytd only) | 7.1409% | 2,056 |
| Net charge-offs to loans | 0.0315% | 2,462 |
| Credit loss provision to net charge-offs | 1,286.3636% | 313 |
| Earnings coverage of net charge-offs (x) | 88.4170% | 828 |
| Efficiency ratio | 47.6729% | 5,067 |
| Assets per employee ($millions) | 7.5119% | 769 |
| Cash dividends to net income (ytd only)* | 61.7316% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 455 |
| Loan loss allowance to noncurrent loans | 1,227.3292% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 4,237 |
| Noncurrent loans to loans | 0.1662% | 4,142 |
| Net loans and leases to total assets | 84.2260% | 435 |
| Net loans and leases to deposits | 96.8468% | 1,054 |
| Net loans and leases to core deposits | 118.6520% | 619 |
| Total domestic deposits to total assets | 86.9683% | 1,745 |
| Equity capital to assets | 10.3444% | 3,291 |
| Core capital (leverage) ratio | 10.8382% | 2,751 |
| Tier 1 risk-based capital ratio | 11.6306% | 4,720 |
| Total risk-based capital ratio | 12.8889% | 4,603 |
| Memoranda: | ||
| Average total assets | $110,650,250 | 3,975 |
| Average earning assets | $106,203,500 | 3,909 |
| Average equity | $11,389,500 | 4,135 |
| Average total loans | $93,237,500 | 3,443 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 718 |
| Cost of funding earning assets | 0.8368% | 978 |
| Net interest margin | 4.2240% | 1,225 |
| Noninterest income to average assets | 0.4001% | 3,485 |
| Noninterest expense to average assets | 2.1532% | 4,478 |
| Loan and lease loss provision to assets | 0.5147% | 219 |
| Net operating income to assets | 1.7042% | 713 |
| Return on assets (ROA) | 1.7077% | 712 |
| Pretax return on assets | 1.7932% | 977 |
| Return on Equity (ROE) | 16.6185% | 571 |
| Retained earnings to average equity (ytd only) | 5.0086% | 3,071 |
| Net charge-offs to loans | 0.0478% | 1,929 |
| Credit loss provision to net charge-offs | 1,286.3636% | 327 |
| Earnings coverage of net charge-offs (x) | 57.5909% | 1,023 |
| Efficiency ratio | 48.3068% | 5,105 |
| Assets per employee ($millions) | 7.3744% | 801 |
| Cash dividends to net income (ytd only)* | 69.8616% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 437 |
| Loan loss allowance to noncurrent loans | 2,566.2338% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,669 |
| Noncurrent loans to loans | 0.0821% | 4,540 |
| Net loans and leases to total assets | 83.0377% | 576 |
| Net loans and leases to deposits | 98.1419% | 958 |
| Net loans and leases to core deposits | 114.6328% | 764 |
| Total domestic deposits to total assets | 84.6098% | 2,835 |
| Equity capital to assets | 10.2698% | 3,369 |
| Core capital (leverage) ratio | 10.8016% | 2,699 |
| Tier 1 risk-based capital ratio | 11.6891% | 4,694 |
| Total risk-based capital ratio | 12.9482% | 4,564 |
| Memoranda: | ||
| Average total assets | $109,974,000 | 4,017 |
| Average earning assets | $105,634,670 | 3,952 |
| Average equity | $11,300,670 | 4,184 |
| Average total loans | $92,023,000 | 3,481 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 738 |
| Cost of funding earning assets | 0.8177% | 883 |
| Net interest margin | 4.1532% | 1,289 |
| Noninterest income to average assets | 0.2918% | 4,212 |
| Noninterest expense to average assets | 2.0355% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1486% | 268 |
| Return on assets (ROA) | 2.1486% | 270 |
| Pretax return on assets | 2.2398% | 351 |
| Return on Equity (ROE) | 20.9032% | 199 |
| Retained earnings to average equity (ytd only) | 9.2627% | 1,377 |
| Net charge-offs to loans | 0.1932% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 13.9545% | 1,733 |
| Efficiency ratio | 47.6109% | 5,208 |
| Assets per employee ($millions) | 6.8198% | 1,039 |
| Cash dividends to net income (ytd only)* | 55.6876% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 716 |
| Loan loss allowance to noncurrent loans | 1,989.2857% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,704 |
| Noncurrent loans to loans | 0.0928% | 4,559 |
| Net loans and leases to total assets | 81.3794% | 743 |
| Net loans and leases to deposits | 92.7375% | 1,363 |
| Net loans and leases to core deposits | 105.9402% | 1,241 |
| Total domestic deposits to total assets | 87.7525% | 1,759 |
| Equity capital to assets | 10.4174% | 3,160 |
| Core capital (leverage) ratio | 10.7666% | 2,664 |
| Tier 1 risk-based capital ratio | 11.9237% | 4,590 |
| Total risk-based capital ratio | 13.1792% | 4,488 |
| Memoranda: | ||
| Average total assets | $109,653,000 | 4,073 |
| Average earning assets | $105,172,500 | 4,008 |
| Average equity | $11,271,000 | 4,234 |
| Average total loans | $91,120,000 | 3,519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 754 |
| Cost of funding earning assets | 0.7097% | 974 |
| Net interest margin | 4.2165% | 1,156 |
| Noninterest income to average assets | 0.4038% | 3,616 |
| Noninterest expense to average assets | 2.0666% | 4,848 |
| Loan and lease loss provision to assets | 0.3980% | 372 |
| Net operating income to assets | 1.9097% | 331 |
| Return on assets (ROA) | 1.9097% | 342 |
| Pretax return on assets | 1.9920% | 500 |
| Return on Equity (ROE) | 18.1749% | 289 |
| Retained earnings to average equity (ytd only) | 5.4543% | 1,844 |
| Net charge-offs to loans | 0.1471% | 1,614 |
| Credit loss provision to net charge-offs | 315.1515% | 911 |
| Earnings coverage of net charge-offs (x) | 18.9242% | 2,051 |
| Efficiency ratio | 46.3718% | 5,387 |
| Assets per employee ($millions) | 6.8869% | 1,022 |
| Cash dividends to net income (ytd only)* | 69.9900% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 685 |
| Loan loss allowance to noncurrent loans | 912.2340% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,279 |
| Noncurrent loans to loans | 0.2049% | 4,094 |
| Net loans and leases to total assets | 81.7279% | 721 |
| Net loans and leases to deposits | 91.2967% | 1,611 |
| Net loans and leases to core deposits | 107.5231% | 1,176 |
| Total domestic deposits to total assets | 89.5190% | 762 |
| Equity capital to assets | 10.1416% | 3,546 |
| Core capital (leverage) ratio | 10.4474% | 2,904 |
| Tier 1 risk-based capital ratio | 11.5480% | 4,815 |
| Total risk-based capital ratio | 12.8036% | 4,713 |
| Memoranda: | ||
| Average total assets | $104,519,000 | 4,160 |
| Average earning assets | $100,461,400 | 4,090 |
| Average equity | $10,982,200 | 4,298 |
| Average total loans | $89,733,000 | 3,530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 744 |
| Cost of funding earning assets | 0.6799% | 1,074 |
| Net interest margin | 4.2310% | 1,078 |
| Noninterest income to average assets | 0.4061% | 3,646 |
| Noninterest expense to average assets | 2.0161% | 4,919 |
| Loan and lease loss provision to assets | 0.4811% | 245 |
| Net operating income to assets | 1.8842% | 399 |
| Return on assets (ROA) | 1.8842% | 404 |
| Pretax return on assets | 1.9812% | 569 |
| Return on Equity (ROE) | 17.7668% | 353 |
| Retained earnings to average equity (ytd only) | 6.9628% | 1,711 |
| Net charge-offs to loans | 0.1450% | 1,379 |
| Credit loss provision to net charge-offs | 383.5052% | 799 |
| Earnings coverage of net charge-offs (x) | 19.6289% | 1,993 |
| Efficiency ratio | 45.0188% | 5,448 |
| Assets per employee ($millions) | 7.7074% | 701 |
| Cash dividends to net income (ytd only)* | 60.8096% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 716 |
| Loan loss allowance to noncurrent loans | 729.0598% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,199 |
| Noncurrent loans to loans | 0.2590% | 4,034 |
| Net loans and leases to total assets | 82.1377% | 663 |
| Net loans and leases to deposits | 97.9088% | 930 |
| Net loans and leases to core deposits | 118.7467% | 625 |
| Total domestic deposits to total assets | 83.8920% | 3,157 |
| Equity capital to assets | 10.4066% | 3,470 |
| Core capital (leverage) ratio | 11.0244% | 2,435 |
| Tier 1 risk-based capital ratio | 12.2253% | 4,480 |
| Total risk-based capital ratio | 13.4827% | 4,370 |
| Memoranda: | ||
| Average total assets | $103,101,250 | 4,227 |
| Average earning assets | $99,232,750 | 4,154 |
| Average equity | $10,934,000 | 4,350 |
| Average total loans | $89,223,500 | 3,571 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 625 |
| Cost of funding earning assets | 0.6484% | 1,152 |
| Net interest margin | 4.2994% | 863 |
| Noninterest income to average assets | 0.4059% | 3,653 |
| Noninterest expense to average assets | 1.9783% | 5,021 |
| Loan and lease loss provision to assets | 0.4729% | 254 |
| Net operating income to assets | 1.9960% | 311 |
| Return on assets (ROA) | 1.9960% | 316 |
| Pretax return on assets | 2.0965% | 447 |
| Return on Equity (ROE) | 18.6975% | 285 |
| Retained earnings to average equity (ytd only) | 7.7891% | 1,241 |
| Net charge-offs to loans | 0.0450% | 2,309 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 889 |
| Efficiency ratio | 43.5009% | 5,540 |
| Assets per employee ($millions) | 7.9496% | 636 |
| Cash dividends to net income (ytd only)* | 58.3416% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 772 |
| Loan loss allowance to noncurrent loans | 401.7032% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,518 |
| Noncurrent loans to loans | 0.4638% | 3,350 |
| Net loans and leases to total assets | 84.1482% | 430 |
| Net loans and leases to deposits | 97.7288% | 919 |
| Net loans and leases to core deposits | 113.4709% | 822 |
| Total domestic deposits to total assets | 86.1038% | 2,336 |
| Equity capital to assets | 10.7204% | 3,115 |
| Core capital (leverage) ratio | 11.0616% | 2,349 |
| Tier 1 risk-based capital ratio | 11.9150% | 4,691 |
| Total risk-based capital ratio | 13.1709% | 4,585 |
| Memoranda: | ||
| Average total assets | $101,500,670 | 4,276 |
| Average earning assets | $97,780,670 | 4,203 |
| Average equity | $10,835,670 | 4,382 |
| Average total loans | $88,853,000 | 3,598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 641 |
| Cost of funding earning assets | 0.6324% | 1,174 |
| Net interest margin | 4.2615% | 866 |
| Noninterest income to average assets | 0.2943% | 4,448 |
| Noninterest expense to average assets | 1.9567% | 5,140 |
| Loan and lease loss provision to assets | 0.4772% | 218 |
| Net operating income to assets | 1.8771% | 384 |
| Return on assets (ROA) | 1.8771% | 399 |
| Pretax return on assets | 1.9607% | 549 |
| Return on Equity (ROE) | 17.6218% | 364 |
| Retained earnings to average equity (ytd only) | 6.5708% | 2,044 |
| Net charge-offs to loans | 0.1034% | 1,341 |
| Credit loss provision to net charge-offs | 521.7391% | 550 |
| Earnings coverage of net charge-offs (x) | 26.6522% | 1,296 |
| Efficiency ratio | 44.5249% | 5,579 |
| Assets per employee ($millions) | 7.6119% | 722 |
| Cash dividends to net income (ytd only)* | 62.7119% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,440.5660% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,842 |
| Noncurrent loans to loans | 0.1210% | 4,705 |
| Net loans and leases to total assets | 86.9678% | 161 |
| Net loans and leases to deposits | 98.0472% | 769 |
| Net loans and leases to core deposits | 115.6458% | 606 |
| Total domestic deposits to total assets | 88.6999% | 1,318 |
| Equity capital to assets | 10.9272% | 2,717 |
| Core capital (leverage) ratio | 10.7495% | 2,640 |
| Tier 1 risk-based capital ratio | 11.7401% | 4,890 |
| Total risk-based capital ratio | 12.9948% | 4,789 |
| Memoranda: | ||
| Average total assets | $100,578,500 | 4,339 |
| Average earning assets | $96,773,500 | 4,258 |
| Average equity | $10,714,000 | 4,433 |
| Average total loans | $88,972,500 | 3,616 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 620 |
| Cost of funding earning assets | 0.5161% | 1,972 |
| Net interest margin | 4.4608% | 670 |
| Noninterest income to average assets | 0.5053% | 3,201 |
| Noninterest expense to average assets | 1.9024% | 5,355 |
| Loan and lease loss provision to assets | 0.5878% | 222 |
| Net operating income to assets | 2.1901% | 230 |
| Return on assets (ROA) | 2.1901% | 242 |
| Pretax return on assets | 2.2754% | 291 |
| Return on Equity (ROE) | 22.2699% | 138 |
| Retained earnings to average equity (ytd only) | 8.5316% | 688 |
| Net charge-offs to loans | 0.2188% | 1,263 |
| Credit loss provision to net charge-offs | 299.0244% | 989 |
| Earnings coverage of net charge-offs (x) | 14.5659% | 2,278 |
| Efficiency ratio | 39.9195% | 5,784 |
| Assets per employee ($millions) | 7.8660% | 642 |
| Cash dividends to net income (ytd only)* | 61.6900% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,413 |
| Loan loss allowance to noncurrent loans | 650.4545% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 4,453 |
| Noncurrent loans to loans | 0.2435% | 4,276 |
| Net loans and leases to total assets | 86.9643% | 184 |
| Net loans and leases to deposits | 97.4105% | 872 |
| Net loans and leases to core deposits | 123.4203% | 397 |
| Total domestic deposits to total assets | 89.2761% | 968 |
| Equity capital to assets | 10.4344% | 3,230 |
| Core capital (leverage) ratio | 10.2813% | 3,130 |
| Tier 1 risk-based capital ratio | 11.3269% | 5,158 |
| Total risk-based capital ratio | 12.5797% | 5,056 |
| Memoranda: | ||
| Average total assets | $104,289,400 | 4,279 |
| Average earning assets | $99,600,800 | 4,213 |
| Average equity | $10,256,000 | 4,526 |
| Average total loans | $93,673,400 | 3,503 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 601 |
| Cost of funding earning assets | 0.4998% | 2,103 |
| Net interest margin | 4.5012% | 629 |
| Noninterest income to average assets | 0.5407% | 2,973 |
| Noninterest expense to average assets | 1.8830% | 5,410 |
| Loan and lease loss provision to assets | 0.7392% | 149 |
| Net operating income to assets | 2.1107% | 288 |
| Return on assets (ROA) | 2.1107% | 298 |
| Pretax return on assets | 2.2150% | 371 |
| Return on Equity (ROE) | 21.7871% | 165 |
| Retained earnings to average equity (ytd only) | 9.9546% | 584 |
| Net charge-offs to loans | 0.1651% | 1,386 |
| Credit loss provision to net charge-offs | 496.5812% | 714 |
| Earnings coverage of net charge-offs (x) | 19.8456% | 1,911 |
| Efficiency ratio | 38.9269% | 5,850 |
| Assets per employee ($millions) | 8.1152% | 565 |
| Cash dividends to net income (ytd only)* | 54.3098% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,364 |
| Loan loss allowance to noncurrent loans | 534.8921% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,387 |
| Noncurrent loans to loans | 0.3061% | 4,155 |
| Net loans and leases to total assets | 84.6746% | 352 |
| Net loans and leases to deposits | 94.6302% | 1,186 |
| Net loans and leases to core deposits | 124.9668% | 391 |
| Total domestic deposits to total assets | 89.4794% | 677 |
| Equity capital to assets | 10.0694% | 4,073 |
| Core capital (leverage) ratio | 9.9811% | 3,601 |
| Tier 1 risk-based capital ratio | 11.1535% | 5,285 |
| Total risk-based capital ratio | 12.4070% | 5,194 |
| Memoranda: | ||
| Average total assets | $104,797,250 | 4,301 |
| Average earning assets | $100,031,000 | 4,237 |
| Average equity | $10,152,500 | 4,592 |
| Average total loans | $94,502,000 | 3,504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 604 |
| Cost of funding earning assets | 0.4786% | 2,284 |
| Net interest margin | 4.5126% | 602 |
| Noninterest income to average assets | 0.6503% | 2,367 |
| Noninterest expense to average assets | 1.8534% | 5,531 |
| Loan and lease loss provision to assets | 0.8913% | 115 |
| Net operating income to assets | 2.0906% | 285 |
| Return on assets (ROA) | 2.0906% | 302 |
| Pretax return on assets | 2.1977% | 383 |
| Return on Equity (ROE) | 21.8695% | 162 |
| Retained earnings to average equity (ytd only) | 9.7442% | 654 |
| Net charge-offs to loans | 0.1630% | 1,358 |
| Credit loss provision to net charge-offs | 597.4359% | 574 |
| Earnings coverage of net charge-offs (x) | 20.7051% | 1,714 |
| Efficiency ratio | 37.5000% | 5,949 |
| Assets per employee ($millions) | 7.9958% | 565 |
| Cash dividends to net income (ytd only)* | 55.4437% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,991 |
| Loan loss allowance to noncurrent loans | 266.2264% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,512 |
| Noncurrent loans to loans | 0.5513% | 3,414 |
| Net loans and leases to total assets | 91.1318% | 35 |
| Net loans and leases to deposits | 101.6613% | 586 |
| Net loans and leases to core deposits | 150.6664% | 121 |
| Total domestic deposits to total assets | 89.6426% | 620 |
| Equity capital to assets | 9.9649% | 4,272 |
| Core capital (leverage) ratio | 9.8811% | 3,712 |
| Tier 1 risk-based capital ratio | 10.4018% | 5,720 |
| Total risk-based capital ratio | 11.6529% | 5,633 |
| Memoranda: | ||
| Average total assets | $104,563,670 | 4,343 |
| Average earning assets | $99,454,330 | 4,280 |
| Average equity | $9,995,670 | 4,642 |
| Average total loans | $95,730,330 | 3,488 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 668 |
| Cost of funding earning assets | 0.4675% | 2,401 |
| Net interest margin | 4.4574% | 660 |
| Noninterest income to average assets | 0.3426% | 4,277 |
| Noninterest expense to average assets | 1.8198% | 5,628 |
| Loan and lease loss provision to assets | 0.2741% | 610 |
| Net operating income to assets | 2.3642% | 191 |
| Return on assets (ROA) | 2.3642% | 198 |
| Pretax return on assets | 2.4594% | 257 |
| Return on Equity (ROE) | 24.8189% | 103 |
| Retained earnings to average equity (ytd only) | 13.0289% | 392 |
| Net charge-offs to loans | -0.0293% | 5,057 |
| Credit loss provision to net charge-offs | -1,028.5714% | 4,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9666% | 5,963 |
| Assets per employee ($millions) | 7.8755% | 596 |
| Cash dividends to net income (ytd only)* | 47.5040% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 3,604 |
| Loan loss allowance to noncurrent loans | 477.4892% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 4,655 |
| Noncurrent loans to loans | 0.2470% | 4,546 |
| Net loans and leases to total assets | 90.2678% | 58 |
| Net loans and leases to deposits | 102.2843% | 493 |
| Net loans and leases to core deposits | 149.5388% | 110 |
| Total domestic deposits to total assets | 88.2518% | 1,503 |
| Equity capital to assets | 9.9441% | 4,154 |
| Core capital (leverage) ratio | 9.7458% | 3,852 |
| Tier 1 risk-based capital ratio | 10.6513% | 5,685 |
| Total risk-based capital ratio | 11.8090% | 5,630 |
| Memoranda: | ||
| Average total assets | $105,066,500 | 4,367 |
| Average earning assets | $99,250,000 | 4,315 |
| Average equity | $10,008,500 | 4,660 |
| Average total loans | $95,526,500 | 3,504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 728 |
| Cost of funding earning assets | 0.4207% | 2,935 |
| Net interest margin | 4.5025% | 649 |
| Noninterest income to average assets | 0.3775% | 4,200 |
| Noninterest expense to average assets | 1.9032% | 5,613 |
| Loan and lease loss provision to assets | 0.0385% | 3,567 |
| Net operating income to assets | 2.5670% | 143 |
| Return on assets (ROA) | 2.5831% | 141 |
| Pretax return on assets | 2.6938% | 155 |
| Return on Equity (ROE) | 26.7850% | 82 |
| Retained earnings to average equity (ytd only) | 7.9412% | 936 |
| Net charge-offs to loans | 0.0032% | 4,347 |
| Credit loss provision to net charge-offs | 1,300.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 916.0000% | 62 |
| Efficiency ratio | 41.2067% | 6,041 |
| Assets per employee ($millions) | 8.2952% | 498 |
| Cash dividends to net income (ytd only)* | 70.3520% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,318 |
| Loan loss allowance to noncurrent loans | 553.5135% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 4,917 |
| Noncurrent loans to loans | 0.1897% | 4,725 |
| Net loans and leases to total assets | 89.4943% | 77 |
| Net loans and leases to deposits | 104.2811% | 425 |
| Net loans and leases to core deposits | 147.2708% | 123 |
| Total domestic deposits to total assets | 85.8203% | 2,725 |
| Equity capital to assets | 9.2009% | 4,909 |
| Core capital (leverage) ratio | 9.3371% | 4,416 |
| Tier 1 risk-based capital ratio | 10.0517% | 5,942 |
| Total risk-based capital ratio | 11.0906% | 5,950 |
| Memoranda: | ||
| Average total assets | $101,196,600 | 4,440 |
| Average earning assets | $95,325,600 | 4,410 |
| Average equity | $9,759,200 | 4,697 |
| Average total loans | $92,336,400 | 3,538 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 719 |
| Cost of funding earning assets | 0.4204% | 3,008 |
| Net interest margin | 4.5103% | 637 |
| Noninterest income to average assets | 0.3777% | 4,231 |
| Noninterest expense to average assets | 1.8887% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.6384% | 134 |
| Return on assets (ROA) | 2.6603% | 133 |
| Pretax return on assets | 2.7795% | 151 |
| Return on Equity (ROE) | 27.2463% | 81 |
| Retained earnings to average equity (ytd only) | 15.5302% | 151 |
| Net charge-offs to loans | -0.4716% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6574% | 6,114 |
| Assets per employee ($millions) | 7.9062% | 566 |
| Cash dividends to net income (ytd only)* | 43.0011% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 2,661 |
| Loan loss allowance to noncurrent loans | 674.7423% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,996 |
| Noncurrent loans to loans | 0.2057% | 4,828 |
| Net loans and leases to total assets | 90.4895% | 50 |
| Net loans and leases to deposits | 111.0374% | 232 |
| Net loans and leases to core deposits | 152.5664% | 99 |
| Total domestic deposits to total assets | 81.4946% | 4,326 |
| Equity capital to assets | 10.0009% | 4,145 |
| Core capital (leverage) ratio | 10.2259% | 3,340 |
| Tier 1 risk-based capital ratio | 10.4034% | 5,922 |
| Total risk-based capital ratio | 11.6540% | 5,855 |
| Memoranda: | ||
| Average total assets | $99,536,500 | 4,521 |
| Average earning assets | $94,182,500 | 4,481 |
| Average equity | $9,718,500 | 4,765 |
| Average total loans | $91,037,500 | 3,602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 716 |
| Cost of funding earning assets | 0.4151% | 3,095 |
| Net interest margin | 4.4931% | 649 |
| Noninterest income to average assets | 0.3677% | 4,310 |
| Noninterest expense to average assets | 1.8993% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6164% | 146 |
| Return on assets (ROA) | 2.6164% | 152 |
| Pretax return on assets | 2.7342% | 179 |
| Return on Equity (ROE) | 27.0257% | 88 |
| Retained earnings to average equity (ytd only) | 15.3174% | 174 |
| Net charge-offs to loans | -0.7649% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9908% | 6,183 |
| Assets per employee ($millions) | 7.5560% | 657 |
| Cash dividends to net income (ytd only)* | 43.3230% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 2,417 |
| Loan loss allowance to noncurrent loans | 258.2524% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 3,865 |
| Noncurrent loans to loans | 0.5688% | 3,746 |
| Net loans and leases to total assets | 90.8254% | 46 |
| Net loans and leases to deposits | 106.5037% | 357 |
| Net loans and leases to core deposits | 141.6172% | 158 |
| Total domestic deposits to total assets | 85.2791% | 3,014 |
| Equity capital to assets | 10.0592% | 3,971 |
| Core capital (leverage) ratio | 10.2379% | 3,294 |
| Tier 1 risk-based capital ratio | 10.9099% | 5,761 |
| Total risk-based capital ratio | 12.1621% | 5,676 |
| Memoranda: | ||
| Average total assets | $98,455,000 | 4,578 |
| Average earning assets | $93,476,330 | 4,525 |
| Average equity | $9,531,670 | 4,836 |
| Average total loans | $89,945,000 | 3,644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 781 |
| Cost of funding earning assets | 0.4153% | 3,135 |
| Net interest margin | 4.4358% | 679 |
| Noninterest income to average assets | 0.3490% | 4,407 |
| Noninterest expense to average assets | 1.8505% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5850% | 134 |
| Return on assets (ROA) | 2.5850% | 144 |
| Pretax return on assets | 2.7027% | 189 |
| Return on Equity (ROE) | 27.2310% | 83 |
| Retained earnings to average equity (ytd only) | 15.9880% | 220 |
| Net charge-offs to loans | -1.6287% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6417% | 6,255 |
| Assets per employee ($millions) | 7.3913% | 715 |
| Cash dividends to net income (ytd only)* | 41.2873% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 2,220 |
| Loan loss allowance to noncurrent loans | 804.7619% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 5,250 |
| Noncurrent loans to loans | 0.1931% | 5,091 |
| Net loans and leases to total assets | 89.1463% | 76 |
| Net loans and leases to deposits | 101.8174% | 466 |
| Net loans and leases to core deposits | 137.8978% | 168 |
| Total domestic deposits to total assets | 87.5550% | 2,069 |
| Equity capital to assets | 9.9379% | 4,216 |
| Core capital (leverage) ratio | 9.5784% | 4,173 |
| Tier 1 risk-based capital ratio | 10.9384% | 5,835 |
| Total risk-based capital ratio | 12.1914% | 5,762 |
| Memoranda: | ||
| Average total assets | $98,568,500 | 4,611 |
| Average earning assets | $93,422,000 | 4,563 |
| Average equity | $9,357,000 | 4,905 |
| Average total loans | $89,644,500 | 3,653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 962 |
| Cost of funding earning assets | 0.4572% | 3,102 |
| Net interest margin | 4.4197% | 858 |
| Noninterest income to average assets | 0.3945% | 4,230 |
| Noninterest expense to average assets | 1.9850% | 5,798 |
| Loan and lease loss provision to assets | 0.3043% | 675 |
| Net operating income to assets | 2.1642% | 239 |
| Return on assets (ROA) | 2.1886% | 231 |
| Pretax return on assets | 2.2819% | 273 |
| Return on Equity (ROE) | 22.9430% | 150 |
| Retained earnings to average equity (ytd only) | 6.0915% | 1,863 |
| Net charge-offs to loans | 0.0047% | 4,857 |
| Credit loss provision to net charge-offs | 7,175.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 603.7500% | 86 |
| Efficiency ratio | 43.6669% | 6,329 |
| Assets per employee ($millions) | 7.2179% | 750 |
| Cash dividends to net income (ytd only)* | 73.4496% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 4,697 |
| Loan loss allowance to noncurrent loans | 632.6923% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 5,405 |
| Noncurrent loans to loans | 0.1691% | 5,222 |
| Net loans and leases to total assets | 90.3434% | 59 |
| Net loans and leases to deposits | 111.7528% | 200 |
| Net loans and leases to core deposits | 145.1176% | 129 |
| Total domestic deposits to total assets | 80.8422% | 4,782 |
| Equity capital to assets | 9.0698% | 5,215 |
| Core capital (leverage) ratio | 9.3208% | 4,511 |
| Tier 1 risk-based capital ratio | 9.8551% | 6,298 |
| Total risk-based capital ratio | 10.9200% | 6,300 |
| Memoranda: | ||
| Average total assets | $94,306,200 | 4,746 |
| Average earning assets | $88,580,000 | 4,689 |
| Average equity | $8,996,200 | 4,975 |
| Average total loans | $84,546,000 | 3,755 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 948 |
| Cost of funding earning assets | 0.4667% | 3,085 |
| Net interest margin | 4.4232% | 858 |
| Noninterest income to average assets | 0.3944% | 4,289 |
| Noninterest expense to average assets | 2.0053% | 5,767 |
| Loan and lease loss provision to assets | 0.4131% | 404 |
| Net operating income to assets | 2.0326% | 329 |
| Return on assets (ROA) | 2.0326% | 341 |
| Pretax return on assets | 2.1233% | 432 |
| Return on Equity (ROE) | 21.0255% | 232 |
| Retained earnings to average equity (ytd only) | 9.5299% | 826 |
| Net charge-offs to loans | 0.0048% | 4,533 |
| Credit loss provision to net charge-offs | 9,566.6667% | 44 |
| Earnings coverage of net charge-offs (x) | 587.3175% | 130 |
| Efficiency ratio | 44.1521% | 6,362 |
| Assets per employee ($millions) | 6.9208% | 834 |
| Cash dividends to net income (ytd only)* | 54.6743% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 4,605 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 5,254 |
| Noncurrent loans to loans | 0.2692% | 5,110 |
| Net loans and leases to total assets | 89.0908% | 75 |
| Net loans and leases to deposits | 112.6053% | 171 |
| Net loans and leases to core deposits | 140.9990% | 147 |
| Total domestic deposits to total assets | 79.1178% | 5,298 |
| Equity capital to assets | 9.5695% | 4,711 |
| Core capital (leverage) ratio | 9.8189% | 3,915 |
| Tier 1 risk-based capital ratio | 10.4855% | 6,213 |
| Total risk-based capital ratio | 11.6073% | 6,215 |
| Memoranda: | ||
| Average total assets | $92,620,250 | 4,825 |
| Average earning assets | $86,843,500 | 4,776 |
| Average equity | $8,954,000 | 5,023 |
| Average total loans | $82,612,750 | 3,829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 911 |
| Cost of funding earning assets | 0.4667% | 3,141 |
| Net interest margin | 4.4349% | 801 |
| Noninterest income to average assets | 0.3948% | 4,279 |
| Noninterest expense to average assets | 2.0264% | 5,782 |
| Loan and lease loss provision to assets | 0.3662% | 474 |
| Net operating income to assets | 2.0571% | 299 |
| Return on assets (ROA) | 2.0571% | 315 |
| Pretax return on assets | 2.1492% | 404 |
| Return on Equity (ROE) | 21.2025% | 233 |
| Retained earnings to average equity (ytd only) | 9.6971% | 795 |
| Net charge-offs to loans | -0.0049% | 5,176 |
| Credit loss provision to net charge-offs | -8,350.0000% | 5,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6161% | 6,404 |
| Assets per employee ($millions) | 7.1807% | 738 |
| Cash dividends to net income (ytd only)* | 54.2644% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 5,178 |
| Loan loss allowance to noncurrent loans | 311.4286% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 5,166 |
| Noncurrent loans to loans | 0.3325% | 5,019 |
| Net loans and leases to total assets | 89.2672% | 67 |
| Net loans and leases to deposits | 106.3181% | 295 |
| Net loans and leases to core deposits | 132.9388% | 199 |
| Total domestic deposits to total assets | 83.9623% | 3,929 |
| Equity capital to assets | 9.7087% | 4,478 |
| Core capital (leverage) ratio | 10.0513% | 3,534 |
| Tier 1 risk-based capital ratio | 10.6942% | 6,178 |
| Total risk-based capital ratio | 11.7287% | 6,204 |
| Memoranda: | ||
| Average total assets | $91,196,670 | 4,899 |
| Average earning assets | $85,277,330 | 4,843 |
| Average equity | $8,848,000 | 5,072 |
| Average total loans | $81,047,670 | 3,882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 762 |
| Cost of funding earning assets | 0.4736% | 3,191 |
| Net interest margin | 4.4972% | 662 |
| Noninterest income to average assets | 0.3551% | 4,538 |
| Noninterest expense to average assets | 2.0284% | 5,829 |
| Loan and lease loss provision to assets | 0.5326% | 269 |
| Net operating income to assets | 1.9086% | 388 |
| Return on assets (ROA) | 1.9086% | 407 |
| Pretax return on assets | 1.9663% | 572 |
| Return on Equity (ROE) | 19.6785% | 315 |
| Retained earnings to average equity (ytd only) | 8.4206% | 1,449 |
| Net charge-offs to loans | 0.0201% | 3,184 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 140.7500% | 351 |
| Efficiency ratio | 44.8039% | 6,468 |
| Assets per employee ($millions) | 6.7456% | 905 |
| Cash dividends to net income (ytd only)* | 57.2093% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 5,223 |
| Loan loss allowance to noncurrent loans | 149.9086% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 4,249 |
| Noncurrent loans to loans | 0.7180% | 4,073 |
| Net loans and leases to total assets | 85.9464% | 146 |
| Net loans and leases to deposits | 96.5514% | 616 |
| Net loans and leases to core deposits | 117.3241% | 375 |
| Total domestic deposits to total assets | 89.0162% | 1,650 |
| Equity capital to assets | 10.0704% | 3,761 |
| Core capital (leverage) ratio | 9.8858% | 3,736 |
| Tier 1 risk-based capital ratio | 11.4802% | 5,924 |
| Total risk-based capital ratio | 12.5537% | 5,964 |
| Memoranda: | ||
| Average total assets | $90,120,500 | 4,967 |
| Average earning assets | $83,608,500 | 4,929 |
| Average equity | $8,740,500 | 5,119 |
| Average total loans | $79,470,500 | 3,951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 687 |
| Cost of funding earning assets | 0.5353% | 3,246 |
| Net interest margin | 4.6338% | 568 |
| Noninterest income to average assets | 0.4255% | 4,265 |
| Noninterest expense to average assets | 2.1241% | 5,781 |
| Loan and lease loss provision to assets | -0.2054% | 6,602 |
| Net operating income to assets | 2.7130% | 139 |
| Return on assets (ROA) | 2.7130% | 138 |
| Pretax return on assets | 2.8287% | 139 |
| Return on Equity (ROE) | 27.7597% | 91 |
| Retained earnings to average equity (ytd only) | 7.3724% | 1,279 |
| Net charge-offs to loans | 0.0999% | 3,846 |
| Credit loss provision to net charge-offs | -235.0649% | 6,006 |
| Earnings coverage of net charge-offs (x) | 30.0260% | 1,192 |
| Efficiency ratio | 44.7419% | 6,596 |
| Assets per employee ($millions) | 7.1191% | 721 |
| Cash dividends to net income (ytd only)* | 73.4421% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 6,058 |
| Loan loss allowance to noncurrent loans | 336.8421% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,603 |
| Noncurrent loans to loans | 0.2526% | 5,425 |
| Net loans and leases to total assets | 88.6545% | 66 |
| Net loans and leases to deposits | 103.0055% | 359 |
| Net loans and leases to core deposits | 129.1728% | 202 |
| Total domestic deposits to total assets | 86.0678% | 3,230 |
| Equity capital to assets | 9.3465% | 4,625 |
| Core capital (leverage) ratio | 9.3295% | 4,507 |
| Tier 1 risk-based capital ratio | 10.3986% | 6,402 |
| Total risk-based capital ratio | 11.2513% | 6,479 |
| Memoranda: | ||
| Average total assets | $88,131,600 | 5,025 |
| Average earning assets | $82,200,800 | 4,975 |
| Average equity | $8,613,200 | 5,189 |
| Average total loans | $77,102,200 | 4,021 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 663 |
| Cost of funding earning assets | 0.5522% | 3,240 |
| Net interest margin | 4.6365% | 580 |
| Noninterest income to average assets | 0.4305% | 4,294 |
| Noninterest expense to average assets | 2.1249% | 5,781 |
| Loan and lease loss provision to assets | -0.4290% | 6,816 |
| Net operating income to assets | 2.9369% | 117 |
| Return on assets (ROA) | 2.9369% | 119 |
| Pretax return on assets | 3.0564% | 130 |
| Return on Equity (ROE) | 29.7064% | 70 |
| Retained earnings to average equity (ytd only) | 17.7743% | 113 |
| Net charge-offs to loans | -0.5073% | 6,778 |
| Credit loss provision to net charge-offs | 97.2222% | 2,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7131% | 6,634 |
| Assets per employee ($millions) | 7.0449% | 732 |
| Cash dividends to net income (ytd only)* | 40.1668% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 4,891 |
| Loan loss allowance to noncurrent loans | 153.7242% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 4,387 |
| Noncurrent loans to loans | 0.7767% | 4,291 |
| Net loans and leases to total assets | 87.6507% | 91 |
| Net loans and leases to deposits | 106.4811% | 228 |
| Net loans and leases to core deposits | 132.4916% | 159 |
| Total domestic deposits to total assets | 82.3157% | 4,821 |
| Equity capital to assets | 10.0028% | 3,900 |
| Core capital (leverage) ratio | 10.3303% | 3,199 |
| Tier 1 risk-based capital ratio | 10.8015% | 6,361 |
| Total risk-based capital ratio | 11.9532% | 6,360 |
| Memoranda: | ||
| Average total assets | $87,027,500 | 5,100 |
| Average earning assets | $81,121,750 | 5,052 |
| Average equity | $8,604,000 | 5,238 |
| Average total loans | $75,689,750 | 4,097 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 561 |
| Cost of funding earning assets | 0.5753% | 3,168 |
| Net interest margin | 4.6902% | 514 |
| Noninterest income to average assets | 0.4350% | 4,280 |
| Noninterest expense to average assets | 2.1869% | 5,660 |
| Loan and lease loss provision to assets | -0.6549% | 6,893 |
| Net operating income to assets | 3.1295% | 106 |
| Return on assets (ROA) | 3.1295% | 109 |
| Pretax return on assets | 3.2698% | 121 |
| Return on Equity (ROE) | 31.7878% | 60 |
| Retained earnings to average equity (ytd only) | 19.3388% | 99 |
| Net charge-offs to loans | -0.8153% | 6,857 |
| Credit loss provision to net charge-offs | 93.0233% | 2,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5431% | 6,658 |
| Assets per employee ($millions) | 6.0714% | 1,150 |
| Cash dividends to net income (ytd only)* | 39.1629% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,416 |
| Loan loss allowance to noncurrent loans | 140.4286% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 4,174 |
| Noncurrent loans to loans | 0.9383% | 4,047 |
| Net loans and leases to total assets | 86.6153% | 126 |
| Net loans and leases to deposits | 97.2987% | 591 |
| Net loans and leases to core deposits | 116.9361% | 373 |
| Total domestic deposits to total assets | 89.0200% | 1,623 |
| Equity capital to assets | 10.4035% | 3,423 |
| Core capital (leverage) ratio | 10.3603% | 3,032 |
| Tier 1 risk-based capital ratio | 11.0777% | 6,299 |
| Total risk-based capital ratio | 12.3202% | 6,280 |
| Memoranda: | ||
| Average total assets | $85,508,670 | 5,169 |
| Average earning assets | $79,612,000 | 5,129 |
| Average equity | $8,418,330 | 5,334 |
| Average total loans | $73,838,330 | 4,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 481 |
| Cost of funding earning assets | 0.5955% | 3,146 |
| Net interest margin | 4.7343% | 448 |
| Noninterest income to average assets | 0.4338% | 4,225 |
| Noninterest expense to average assets | 2.2061% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5279% | 156 |
| Return on assets (ROA) | 2.5279% | 167 |
| Pretax return on assets | 2.6398% | 220 |
| Return on Equity (ROE) | 26.4197% | 106 |
| Retained earnings to average equity (ytd only) | 14.2335% | 429 |
| Net charge-offs to loans | -1.6337% | 6,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5245% | 6,710 |
| Assets per employee ($millions) | 6.0589% | 1,218 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 2,803 |
| Loan loss allowance to noncurrent loans | 172.8767% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 4,233 |
| Noncurrent loans to loans | 1.0133% | 4,104 |
| Net loans and leases to total assets | 83.4469% | 213 |
| Net loans and leases to deposits | 96.9577% | 492 |
| Net loans and leases to core deposits | 115.5320% | 362 |
| Total domestic deposits to total assets | 86.0653% | 3,499 |
| Equity capital to assets | 9.8474% | 4,356 |
| Core capital (leverage) ratio | 9.6872% | 3,814 |
| Tier 1 risk-based capital ratio | 11.2241% | 6,301 |
| Total risk-based capital ratio | 12.4797% | 6,278 |
| Memoranda: | ||
| Average total assets | $85,763,000 | 5,207 |
| Average earning assets | $79,926,500 | 5,156 |
| Average equity | $8,206,000 | 5,431 |
| Average total loans | $73,454,500 | 4,219 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 619 |
| Cost of funding earning assets | 0.8060% | 2,620 |
| Net interest margin | 4.6962% | 655 |
| Noninterest income to average assets | 0.4846% | 4,006 |
| Noninterest expense to average assets | 2.0499% | 6,235 |
| Loan and lease loss provision to assets | 0.2399% | 2,732 |
| Net operating income to assets | 2.4822% | 154 |
| Return on assets (ROA) | 2.4822% | 167 |
| Pretax return on assets | 2.5890% | 227 |
| Return on Equity (ROE) | 26.3297% | 95 |
| Retained earnings to average equity (ytd only) | 7.6596% | 1,255 |
| Net charge-offs to loans | 0.2692% | 3,321 |
| Credit loss provision to net charge-offs | 104.6632% | 2,855 |
| Earnings coverage of net charge-offs (x) | 12.3420% | 1,937 |
| Efficiency ratio | 42.0156% | 6,892 |
| Assets per employee ($millions) | 6.1930% | 1,170 |
| Cash dividends to net income (ytd only)* | 70.9091% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 4,714 |
| Loan loss allowance to noncurrent loans | 141.6789% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 4,390 |
| Noncurrent loans to loans | 0.9070% | 4,371 |
| Net loans and leases to total assets | 85.2368% | 161 |
| Net loans and leases to deposits | 99.1414% | 452 |
| Net loans and leases to core deposits | 111.2546% | 495 |
| Total domestic deposits to total assets | 85.9749% | 3,369 |
| Equity capital to assets | 9.2951% | 5,159 |
| Core capital (leverage) ratio | 8.9806% | 4,927 |
| Tier 1 risk-based capital ratio | 10.5095% | 6,551 |
| Total risk-based capital ratio | 11.7600% | 6,520 |
| Memoranda: | ||
| Average total assets | $84,201,000 | 5,242 |
| Average earning assets | $78,786,800 | 5,166 |
| Average equity | $7,937,800 | 5,522 |
| Average total loans | $71,686,600 | 4,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 577 |
| Cost of funding earning assets | 0.8196% | 2,781 |
| Net interest margin | 4.7577% | 598 |
| Noninterest income to average assets | 0.4914% | 3,978 |
| Noninterest expense to average assets | 2.0500% | 6,269 |
| Loan and lease loss provision to assets | 0.3223% | 2,045 |
| Net operating income to assets | 2.4711% | 187 |
| Return on assets (ROA) | 2.4711% | 202 |
| Pretax return on assets | 2.5828% | 261 |
| Return on Equity (ROE) | 26.1180% | 120 |
| Retained earnings to average equity (ytd only) | 13.6239% | 336 |
| Net charge-offs to loans | 0.0414% | 5,071 |
| Credit loss provision to net charge-offs | 918.1818% | 309 |
| Earnings coverage of net charge-offs (x) | 82.7801% | 497 |
| Efficiency ratio | 41.3715% | 6,985 |
| Assets per employee ($millions) | 6.6412% | 886 |
| Cash dividends to net income (ytd only)* | 47.8376% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,643 |
| Loan loss allowance to noncurrent loans | 3,147.2222% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 6,473 |
| Noncurrent loans to loans | 0.0499% | 6,492 |
| Net loans and leases to total assets | 82.2311% | 324 |
| Net loans and leases to deposits | 92.2276% | 951 |
| Net loans and leases to core deposits | 114.3752% | 420 |
| Total domestic deposits to total assets | 89.1610% | 1,333 |
| Equity capital to assets | 9.6356% | 5,015 |
| Core capital (leverage) ratio | 9.7003% | 3,959 |
| Tier 1 risk-based capital ratio | 11.2881% | 6,369 |
| Total risk-based capital ratio | 12.5417% | 6,323 |
| Memoranda: | ||
| Average total assets | $83,575,750 | 5,308 |
| Average earning assets | $78,411,250 | 5,232 |
| Average equity | $7,907,500 | 5,584 |
| Average total loans | $70,892,250 | 4,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6383% | 541 |
| Cost of funding earning assets | 0.8412% | 2,870 |
| Net interest margin | 4.7970% | 565 |
| Noninterest income to average assets | 0.4936% | 3,957 |
| Noninterest expense to average assets | 2.0785% | 6,264 |
| Loan and lease loss provision to assets | 0.4404% | 1,477 |
| Net operating income to assets | 2.3664% | 213 |
| Return on assets (ROA) | 2.3664% | 247 |
| Pretax return on assets | 2.4729% | 312 |
| Return on Equity (ROE) | 25.1727% | 143 |
| Retained earnings to average equity (ytd only) | 12.4576% | 511 |
| Net charge-offs to loans | -0.0028% | 6,113 |
| Credit loss provision to net charge-offs | -18,200.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6384% | 7,028 |
| Assets per employee ($millions) | 5.8682% | 1,317 |
| Cash dividends to net income (ytd only)* | 50.5112% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 3,664 |
| Loan loss allowance to noncurrent loans | 283.2918% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 5,376 |
| Noncurrent loans to loans | 0.5587% | 5,395 |
| Net loans and leases to total assets | 85.9753% | 141 |
| Net loans and leases to deposits | 96.5341% | 597 |
| Net loans and leases to core deposits | 115.8545% | 398 |
| Total domestic deposits to total assets | 89.0621% | 1,469 |
| Equity capital to assets | 9.7353% | 4,710 |
| Core capital (leverage) ratio | 9.5698% | 4,046 |
| Tier 1 risk-based capital ratio | 10.8127% | 6,573 |
| Total risk-based capital ratio | 12.0672% | 6,555 |
| Memoranda: | ||
| Average total assets | $82,655,670 | 5,366 |
| Average earning assets | $77,506,000 | 5,287 |
| Average equity | $7,770,330 | 5,635 |
| Average total loans | $70,480,330 | 4,404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 507 |
| Cost of funding earning assets | 0.8621% | 2,975 |
| Net interest margin | 4.8476% | 512 |
| Noninterest income to average assets | 0.4680% | 4,154 |
| Noninterest expense to average assets | 2.0312% | 6,407 |
| Loan and lease loss provision to assets | 0.3956% | 1,597 |
| Net operating income to assets | 2.4606% | 193 |
| Return on assets (ROA) | 2.4606% | 235 |
| Pretax return on assets | 2.5716% | 302 |
| Return on Equity (ROE) | 26.6440% | 146 |
| Retained earnings to average equity (ytd only) | 13.7400% | 595 |
| Net charge-offs to loans | 0.0057% | 4,674 |
| Credit loss provision to net charge-offs | 8,200.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 615.0000% | 37 |
| Efficiency ratio | 40.6371% | 7,088 |
| Assets per employee ($millions) | 6.2482% | 1,121 |
| Cash dividends to net income (ytd only)* | 48.4314% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 4,119 |
| Loan loss allowance to noncurrent loans | 205.1587% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,181 |
| Noncurrent loans to loans | 0.7349% | 5,194 |
| Net loans and leases to total assets | 83.1630% | 211 |
| Net loans and leases to deposits | 93.2341% | 715 |
| Net loans and leases to core deposits | 110.7214% | 509 |
| Total domestic deposits to total assets | 89.1980% | 1,562 |
| Equity capital to assets | 9.5930% | 4,660 |
| Core capital (leverage) ratio | 9.2049% | 4,508 |
| Tier 1 risk-based capital ratio | 11.0024% | 6,532 |
| Total risk-based capital ratio | 12.2553% | 6,521 |
| Memoranda: | ||
| Average total assets | $82,906,000 | 5,387 |
| Average earning assets | $77,482,000 | 5,314 |
| Average equity | $7,656,500 | 5,697 |
| Average total loans | $69,836,000 | 4,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9426% | 477 |
| Cost of funding earning assets | 1.0133% | 3,278 |
| Net interest margin | 4.9293% | 476 |
| Noninterest income to average assets | 0.5399% | 3,588 |
| Noninterest expense to average assets | 2.1248% | 6,440 |
| Loan and lease loss provision to assets | 0.3397% | 2,979 |
| Net operating income to assets | 2.5715% | 124 |
| Return on assets (ROA) | 2.5975% | 122 |
| Pretax return on assets | 2.7022% | 162 |
| Return on Equity (ROE) | 27.4884% | 63 |
| Retained earnings to average equity (ytd only) | 8.3381% | 975 |
| Net charge-offs to loans | 0.3194% | 3,793 |
| Credit loss provision to net charge-offs | 124.6445% | 2,518 |
| Earnings coverage of net charge-offs (x) | 11.0616% | 1,763 |
| Efficiency ratio | 41.3420% | 7,185 |
| Assets per employee ($millions) | 6.5066% | 954 |
| Cash dividends to net income (ytd only)* | 69.6668% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,707 |
| Loan loss allowance to noncurrent loans | 166.3176% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,163 |
| Noncurrent loans to loans | 0.8060% | 5,078 |
| Net loans and leases to total assets | 82.9156% | 278 |
| Net loans and leases to deposits | 102.2093% | 364 |
| Net loans and leases to core deposits | 122.0355% | 319 |
| Total domestic deposits to total assets | 81.1234% | 5,417 |
| Equity capital to assets | 8.8915% | 5,682 |
| Core capital (leverage) ratio | 8.9707% | 4,834 |
| Tier 1 risk-based capital ratio | 10.1694% | 6,809 |
| Total risk-based capital ratio | 11.4201% | 6,792 |
| Memoranda: | ||
| Average total assets | $77,419,600 | 5,528 |
| Average earning assets | $72,241,200 | 5,466 |
| Average equity | $7,315,800 | 5,771 |
| Average total loans | $66,060,800 | 4,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0051% | 454 |
| Cost of funding earning assets | 1.0578% | 3,269 |
| Net interest margin | 4.9473% | 460 |
| Noninterest income to average assets | 0.5677% | 3,388 |
| Noninterest expense to average assets | 2.1667% | 6,354 |
| Loan and lease loss provision to assets | 0.2909% | 3,190 |
| Net operating income to assets | 2.6107% | 132 |
| Return on assets (ROA) | 2.6462% | 129 |
| Pretax return on assets | 2.7643% | 169 |
| Return on Equity (ROE) | 27.5488% | 87 |
| Retained earnings to average equity (ytd only) | 13.9488% | 295 |
| Net charge-offs to loans | 0.2942% | 3,618 |
| Credit loss provision to net charge-offs | 115.3846% | 2,831 |
| Earnings coverage of net charge-offs (x) | 11.9721% | 1,753 |
| Efficiency ratio | 41.7885% | 7,216 |
| Assets per employee ($millions) | 6.1863% | 1,095 |
| Cash dividends to net income (ytd only)* | 49.3674% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,711 |
| Loan loss allowance to noncurrent loans | 258.5434% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 5,817 |
| Noncurrent loans to loans | 0.5280% | 5,797 |
| Net loans and leases to total assets | 82.9288% | 297 |
| Net loans and leases to deposits | 97.7932% | 586 |
| Net loans and leases to core deposits | 117.5041% | 453 |
| Total domestic deposits to total assets | 84.8002% | 3,868 |
| Equity capital to assets | 9.5546% | 5,001 |
| Core capital (leverage) ratio | 9.5395% | 4,098 |
| Tier 1 risk-based capital ratio | 10.9615% | 6,564 |
| Total risk-based capital ratio | 12.2125% | 6,539 |
| Memoranda: | ||
| Average total assets | $75,628,000 | 5,624 |
| Average earning assets | $70,582,500 | 5,563 |
| Average equity | $7,264,500 | 5,825 |
| Average total loans | $64,804,000 | 4,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0409% | 445 |
| Cost of funding earning assets | 1.0802% | 3,390 |
| Net interest margin | 4.9607% | 421 |
| Noninterest income to average assets | 0.5998% | 3,146 |
| Noninterest expense to average assets | 2.2423% | 6,266 |
| Loan and lease loss provision to assets | 0.2296% | 3,616 |
| Net operating income to assets | 2.6363% | 140 |
| Return on assets (ROA) | 2.6908% | 136 |
| Pretax return on assets | 2.8124% | 162 |
| Return on Equity (ROE) | 27.9592% | 91 |
| Retained earnings to average equity (ytd only) | 14.0919% | 308 |
| Net charge-offs to loans | 0.4228% | 2,869 |
| Credit loss provision to net charge-offs | 62.9630% | 4,275 |
| Earnings coverage of net charge-offs (x) | 8.1852% | 2,102 |
| Efficiency ratio | 42.8941% | 7,274 |
| Assets per employee ($millions) | 5.9232% | 1,227 |
| Cash dividends to net income (ytd only)* | 49.5984% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 5,119 |
| Loan loss allowance to noncurrent loans | 162.0952% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 5,412 |
| Noncurrent loans to loans | 0.7940% | 5,326 |
| Net loans and leases to total assets | 84.7692% | 189 |
| Net loans and leases to deposits | 97.2627% | 637 |
| Net loans and leases to core deposits | 113.6109% | 588 |
| Total domestic deposits to total assets | 87.1549% | 2,653 |
| Equity capital to assets | 9.6062% | 4,652 |
| Core capital (leverage) ratio | 9.5162% | 3,936 |
| Tier 1 risk-based capital ratio | 10.9010% | 6,603 |
| Total risk-based capital ratio | 12.1517% | 6,566 |
| Memoranda: | ||
| Average total assets | $74,030,000 | 5,725 |
| Average earning assets | $69,063,000 | 5,655 |
| Average equity | $7,124,670 | 5,887 |
| Average total loans | $63,866,670 | 4,799 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1646% | 352 |
| Cost of funding earning assets | 1.1095% | 3,464 |
| Net interest margin | 5.0551% | 338 |
| Noninterest income to average assets | 0.5734% | 3,347 |
| Noninterest expense to average assets | 2.2938% | 6,204 |
| Loan and lease loss provision to assets | 0.1378% | 4,287 |
| Net operating income to assets | 2.7175% | 141 |
| Return on assets (ROA) | 2.8286% | 131 |
| Pretax return on assets | 2.9554% | 154 |
| Return on Equity (ROE) | 29.3625% | 90 |
| Retained earnings to average equity (ytd only) | 15.2250% | 373 |
| Net charge-offs to loans | -0.0128% | 6,439 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5146% | 7,297 |
| Assets per employee ($millions) | 5.2629% | 1,810 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 4,284 |
| Loan loss allowance to noncurrent loans | 156.7568% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 5,161 |
| Noncurrent loans to loans | 0.9474% | 5,140 |
| Net loans and leases to total assets | 83.5491% | 249 |
| Net loans and leases to deposits | 96.0659% | 687 |
| Net loans and leases to core deposits | 112.8612% | 633 |
| Total domestic deposits to total assets | 86.9707% | 2,956 |
| Equity capital to assets | 9.6688% | 4,222 |
| Core capital (leverage) ratio | 9.6251% | 3,627 |
| Tier 1 risk-based capital ratio | 11.0972% | 6,435 |
| Total risk-based capital ratio | 12.3501% | 6,408 |
| Memoranda: | ||
| Average total assets | $72,544,000 | 5,804 |
| Average earning assets | $67,417,000 | 5,750 |
| Average equity | $6,988,500 | 5,929 |
| Average total loans | $62,737,500 | 4,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3721% | 405 |
| Cost of funding earning assets | 1.2738% | 4,060 |
| Net interest margin | 5.0983% | 356 |
| Noninterest income to average assets | 0.6179% | 3,356 |
| Noninterest expense to average assets | 2.2925% | 6,377 |
| Loan and lease loss provision to assets | 0.2443% | 4,845 |
| Net operating income to assets | 2.7148% | 89 |
| Return on assets (ROA) | 2.7257% | 91 |
| Pretax return on assets | 2.8450% | 134 |
| Return on Equity (ROE) | 27.3354% | 64 |
| Retained earnings to average equity (ytd only) | 3.8745% | 3,155 |
| Net charge-offs to loans | 0.2433% | 4,828 |
| Credit loss provision to net charge-offs | 117.0068% | 3,661 |
| Earnings coverage of net charge-offs (x) | 14.7415% | 1,318 |
| Efficiency ratio | 42.6871% | 7,447 |
| Assets per employee ($millions) | 5.1006% | 2,014 |
| Cash dividends to net income (ytd only)* | 85.8260% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,376 |
| Loan loss allowance to noncurrent loans | 317.2535% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 6,104 |
| Noncurrent loans to loans | 0.4509% | 6,141 |
| Net loans and leases to total assets | 86.9468% | 134 |
| Net loans and leases to deposits | 101.7036% | 494 |
| Net loans and leases to core deposits | 119.5153% | 541 |
| Total domestic deposits to total assets | 85.4904% | 3,605 |
| Equity capital to assets | 9.5970% | 4,276 |
| Core capital (leverage) ratio | 9.3864% | 3,867 |
| Tier 1 risk-based capital ratio | 10.6399% | 6,612 |
| Total risk-based capital ratio | 11.8917% | 6,577 |
| Memoranda: | ||
| Average total assets | $70,403,800 | 5,872 |
| Average earning assets | $65,630,000 | 5,811 |
| Average equity | $7,020,200 | 6,028 |
| Average total loans | $60,409,400 | 5,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3773% | 436 |
| Cost of funding earning assets | 1.2926% | 4,270 |
| Net interest margin | 5.0847% | 370 |
| Noninterest income to average assets | 0.6196% | 3,317 |
| Noninterest expense to average assets | 2.2693% | 6,412 |
| Loan and lease loss provision to assets | 0.3041% | 4,146 |
| Net operating income to assets | 2.6728% | 115 |
| Return on assets (ROA) | 2.6874% | 119 |
| Pretax return on assets | 2.8090% | 155 |
| Return on Equity (ROE) | 26.6963% | 80 |
| Retained earnings to average equity (ytd only) | 15.5004% | 189 |
| Net charge-offs to loans | 0.1004% | 5,521 |
| Credit loss provision to net charge-offs | 355.5556% | 879 |
| Earnings coverage of net charge-offs (x) | 36.2213% | 756 |
| Efficiency ratio | 42.2805% | 7,518 |
| Assets per employee ($millions) | 5.0839% | 2,075 |
| Cash dividends to net income (ytd only)* | 41.9378% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,378 |
| Loan loss allowance to noncurrent loans | 275.2778% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,987 |
| Noncurrent loans to loans | 0.5950% | 6,024 |
| Net loans and leases to total assets | 83.6176% | 357 |
| Net loans and leases to deposits | 102.8657% | 487 |
| Net loans and leases to core deposits | 123.8456% | 502 |
| Total domestic deposits to total assets | 81.2881% | 5,268 |
| Equity capital to assets | 10.5010% | 3,515 |
| Core capital (leverage) ratio | 10.4089% | 2,790 |
| Tier 1 risk-based capital ratio | 12.0660% | 5,397 |
| Total risk-based capital ratio | 13.3205% | 5,366 |
| Memoranda: | ||
| Average total assets | $70,152,750 | 5,943 |
| Average earning assets | $65,502,000 | 5,878 |
| Average equity | $7,062,000 | 6,087 |
| Average total loans | $59,764,750 | 5,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4464% | 378 |
| Cost of funding earning assets | 1.3120% | 4,463 |
| Net interest margin | 5.1344% | 321 |
| Noninterest income to average assets | 0.6073% | 3,285 |
| Noninterest expense to average assets | 2.2575% | 6,482 |
| Loan and lease loss provision to assets | 0.3925% | 3,365 |
| Net operating income to assets | 2.6251% | 118 |
| Return on assets (ROA) | 2.6471% | 120 |
| Pretax return on assets | 2.7674% | 161 |
| Return on Equity (ROE) | 26.6872% | 92 |
| Retained earnings to average equity (ytd only) | 15.2787% | 228 |
| Net charge-offs to loans | 0.0840% | 5,299 |
| Credit loss provision to net charge-offs | 548.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 43.8000% | 672 |
| Efficiency ratio | 41.8481% | 7,596 |
| Assets per employee ($millions) | 4.9468% | 2,245 |
| Cash dividends to net income (ytd only)* | 42.7489% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 3,215 |
| Loan loss allowance to noncurrent loans | 264.8794% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 5,951 |
| Noncurrent loans to loans | 0.6276% | 5,991 |
| Net loans and leases to total assets | 84.3896% | 326 |
| Net loans and leases to deposits | 103.9337% | 487 |
| Net loans and leases to core deposits | 124.4920% | 560 |
| Total domestic deposits to total assets | 81.1956% | 5,334 |
| Equity capital to assets | 10.3935% | 3,532 |
| Core capital (leverage) ratio | 9.9720% | 3,194 |
| Tier 1 risk-based capital ratio | 11.8262% | 5,461 |
| Total risk-based capital ratio | 13.0820% | 5,429 |
| Memoranda: | ||
| Average total assets | $69,812,330 | 5,986 |
| Average earning assets | $65,091,000 | 5,923 |
| Average equity | $6,924,670 | 6,167 |
| Average total loans | $59,518,000 | 5,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4714% | 379 |
| Cost of funding earning assets | 1.3041% | 4,788 |
| Net interest margin | 5.1673% | 313 |
| Noninterest income to average assets | 0.5193% | 3,896 |
| Noninterest expense to average assets | 2.2827% | 6,432 |
| Loan and lease loss provision to assets | 0.3424% | 3,331 |
| Net operating income to assets | 2.5738% | 134 |
| Return on assets (ROA) | 2.5738% | 147 |
| Pretax return on assets | 2.6879% | 190 |
| Return on Equity (ROE) | 26.5763% | 127 |
| Retained earnings to average equity (ytd only) | 14.9087% | 423 |
| Net charge-offs to loans | 0.0269% | 5,195 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 132.7500% | 249 |
| Efficiency ratio | 42.9646% | 7,650 |
| Assets per employee ($millions) | 4.9059% | 2,364 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,502 |
| Loan loss allowance to noncurrent loans | 183.1041% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 5,512 |
| Noncurrent loans to loans | 0.8674% | 5,582 |
| Net loans and leases to total assets | 84.0819% | 365 |
| Net loans and leases to deposits | 105.0573% | 474 |
| Net loans and leases to core deposits | 128.3704% | 528 |
| Total domestic deposits to total assets | 80.0344% | 5,771 |
| Equity capital to assets | 10.0753% | 3,773 |
| Core capital (leverage) ratio | 9.4559% | 3,838 |
| Tier 1 risk-based capital ratio | 11.4768% | 5,697 |
| Total risk-based capital ratio | 12.7317% | 5,679 |
| Memoranda: | ||
| Average total assets | $70,091,000 | 6,043 |
| Average earning assets | $65,024,500 | 5,995 |
| Average equity | $6,788,000 | 6,256 |
| Average total loans | $59,561,000 | 5,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5663% | 584 |
| Cost of funding earning assets | 1.6244% | 4,913 |
| Net interest margin | 4.9419% | 506 |
| Noninterest income to average assets | 0.5334% | 4,152 |
| Noninterest expense to average assets | 2.4394% | 6,338 |
| Loan and lease loss provision to assets | 0.3835% | 4,492 |
| Net operating income to assets | 2.1916% | 149 |
| Return on assets (ROA) | 2.1943% | 161 |
| Pretax return on assets | 2.2794% | 234 |
| Return on Equity (ROE) | 23.1504% | 131 |
| Retained earnings to average equity (ytd only) | 5.0499% | 1,796 |
| Net charge-offs to loans | 1.0653% | 2,283 |
| Credit loss provision to net charge-offs | 42.6966% | 6,810 |
| Earnings coverage of net charge-offs (x) | 2.9615% | 3,599 |
| Efficiency ratio | 47.8372% | 7,637 |
| Assets per employee ($millions) | 5.1071% | 2,070 |
| Cash dividends to net income (ytd only)* | 78.1866% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 3,982 |
| Loan loss allowance to noncurrent loans | 302.0690% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 6,246 |
| Noncurrent loans to loans | 0.4798% | 6,296 |
| Net loans and leases to total assets | 83.3075% | 508 |
| Net loans and leases to deposits | 101.6659% | 778 |
| Net loans and leases to core deposits | 143.3515% | 695 |
| Total domestic deposits to total assets | 81.9424% | 4,974 |
| Equity capital to assets | 9.3092% | 4,687 |
| Core capital (leverage) ratio | 9.1459% | 4,206 |
| Tier 1 risk-based capital ratio | 10.6515% | 6,251 |
| Total risk-based capital ratio | 11.9046% | 6,222 |
| Memoranda: | ||
| Average total assets | $69,360,200 | 6,023 |
| Average earning assets | $64,085,000 | 5,998 |
| Average equity | $6,574,400 | 6,401 |
| Average total loans | $58,481,000 | 5,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6982% | 511 |
| Cost of funding earning assets | 1.7039% | 4,876 |
| Net interest margin | 4.9943% | 447 |
| Noninterest income to average assets | 0.5211% | 4,306 |
| Noninterest expense to average assets | 2.3847% | 6,463 |
| Loan and lease loss provision to assets | 0.4088% | 3,873 |
| Net operating income to assets | 2.2493% | 165 |
| Return on assets (ROA) | 2.2530% | 178 |
| Pretax return on assets | 2.3537% | 259 |
| Return on Equity (ROE) | 23.6593% | 145 |
| Retained earnings to average equity (ytd only) | 11.4939% | 414 |
| Net charge-offs to loans | 0.9955% | 1,980 |
| Credit loss provision to net charge-offs | 48.7298% | 6,328 |
| Earnings coverage of net charge-offs (x) | 3.2887% | 3,591 |
| Efficiency ratio | 46.3653% | 7,757 |
| Assets per employee ($millions) | 5.0113% | 2,126 |
| Cash dividends to net income (ytd only)* | 51.4185% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 2,569 |
| Loan loss allowance to noncurrent loans | 241.8660% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 5,798 |
| Noncurrent loans to loans | 0.7095% | 5,884 |
| Net loans and leases to total assets | 82.5323% | 738 |
| Net loans and leases to deposits | 100.9220% | 1,023 |
| Net loans and leases to core deposits | 144.9859% | 728 |
| Total domestic deposits to total assets | 81.7783% | 4,779 |
| Equity capital to assets | 9.8506% | 4,284 |
| Core capital (leverage) ratio | 9.4729% | 3,948 |
| Tier 1 risk-based capital ratio | 11.3649% | 5,574 |
| Total risk-based capital ratio | 12.6214% | 5,507 |
| Memoranda: | ||
| Average total assets | $68,825,500 | 6,082 |
| Average earning assets | $63,697,500 | 6,050 |
| Average equity | $6,554,000 | 6,462 |
| Average total loans | $57,991,250 | 5,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7251% | 517 |
| Cost of funding earning assets | 1.7748% | 4,883 |
| Net interest margin | 4.9503% | 484 |
| Noninterest income to average assets | 0.5235% | 4,243 |
| Noninterest expense to average assets | 2.3720% | 6,548 |
| Loan and lease loss provision to assets | 0.4680% | 3,180 |
| Net operating income to assets | 2.1529% | 213 |
| Return on assets (ROA) | 2.1585% | 232 |
| Pretax return on assets | 2.2579% | 318 |
| Return on Equity (ROE) | 22.9371% | 200 |
| Retained earnings to average equity (ytd only) | 10.5051% | 640 |
| Net charge-offs to loans | 1.4111% | 1,335 |
| Credit loss provision to net charge-offs | 39.3120% | 5,913 |
| Earnings coverage of net charge-offs (x) | 2.2850% | 3,926 |
| Efficiency ratio | 46.5824% | 7,828 |
| Assets per employee ($millions) | 5.0010% | 2,075 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 2,426 |
| Loan loss allowance to noncurrent loans | 204.1408% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 5,476 |
| Noncurrent loans to loans | 0.8205% | 5,585 |
| Net loans and leases to total assets | 82.6706% | 833 |
| Net loans and leases to deposits | 109.1415% | 594 |
| Net loans and leases to core deposits | 142.1788% | 927 |
| Total domestic deposits to total assets | 75.7463% | 6,605 |
| Equity capital to assets | 9.4238% | 4,712 |
| Core capital (leverage) ratio | 9.2514% | 4,233 |
| Tier 1 risk-based capital ratio | 11.1373% | 5,737 |
| Total risk-based capital ratio | 12.3930% | 5,645 |
| Memoranda: | ||
| Average total assets | $68,381,330 | 6,135 |
| Average earning assets | $63,107,330 | 6,109 |
| Average equity | $6,435,000 | 6,557 |
| Average total loans | $57,683,670 | 5,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8943% | 410 |
| Cost of funding earning assets | 1.8150% | 5,045 |
| Net interest margin | 5.0793% | 339 |
| Noninterest income to average assets | 0.5032% | 4,299 |
| Noninterest expense to average assets | 2.2497% | 6,693 |
| Loan and lease loss provision to assets | 0.4440% | 2,702 |
| Net operating income to assets | 2.3918% | 159 |
| Return on assets (ROA) | 2.3918% | 189 |
| Pretax return on assets | 2.4983% | 263 |
| Return on Equity (ROE) | 25.4348% | 173 |
| Retained earnings to average equity (ytd only) | 12.8433% | 664 |
| Net charge-offs to loans | 1.8286% | 791 |
| Credit loss provision to net charge-offs | 28.7356% | 4,964 |
| Earnings coverage of net charge-offs (x) | 1.9042% | 3,764 |
| Efficiency ratio | 43.3295% | 7,955 |
| Assets per employee ($millions) | 4.8632% | 2,230 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 1,855 |
| Loan loss allowance to noncurrent loans | 179.2808% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 4,841 |
| Noncurrent loans to loans | 1.0032% | 4,990 |
| Net loans and leases to total assets | 83.9598% | 695 |
| Net loans and leases to deposits | 116.3904% | 379 |
| Net loans and leases to core deposits | 143.9754% | 933 |
| Total domestic deposits to total assets | 72.1363% | 7,192 |
| Equity capital to assets | 9.5205% | 4,639 |
| Core capital (leverage) ratio | 9.4015% | 4,105 |
| Tier 1 risk-based capital ratio | 10.9864% | 5,921 |
| Total risk-based capital ratio | 12.2426% | 5,811 |
| Memoranda: | ||
| Average total assets | $67,565,000 | 6,193 |
| Average earning assets | $62,370,500 | 6,160 |
| Average equity | $6,353,500 | 6,638 |
| Average total loans | $57,092,000 | 5,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3500% | 544 |
| Cost of funding earning assets | 2.5989% | 3,688 |
| Net interest margin | 4.7510% | 863 |
| Noninterest income to average assets | 0.6374% | 3,576 |
| Noninterest expense to average assets | 2.3278% | 6,619 |
| Loan and lease loss provision to assets | 0.5912% | 2,457 |
| Net operating income to assets | 1.9953% | 356 |
| Return on assets (ROA) | 1.9953% | 340 |
| Pretax return on assets | 2.0892% | 496 |
| Return on Equity (ROE) | 19.9483% | 374 |
| Retained earnings to average equity (ytd only) | -3.4940% | 6,229 |
| Net charge-offs to loans | 0.1380% | 4,845 |
| Credit loss provision to net charge-offs | 518.9189% | 841 |
| Earnings coverage of net charge-offs (x) | 23.5270% | 1,422 |
| Efficiency ratio | 46.4802% | 7,901 |
| Assets per employee ($millions) | 4.7889% | 2,193 |
| Cash dividends to net income (ytd only)* | 117.5154% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2028% | 943 |
| Loan loss allowance to noncurrent loans | 189.6923% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 4,178 |
| Noncurrent loans to loans | 1.1613% | 4,207 |
| Net loans and leases to total assets | 81.6467% | 1,295 |
| Net loans and leases to deposits | 108.5465% | 936 |
| Net loans and leases to core deposits | 128.2778% | 1,984 |
| Total domestic deposits to total assets | 75.2181% | 6,400 |
| Equity capital to assets | 9.2848% | 4,954 |
| Core capital (leverage) ratio | 9.2042% | 4,432 |
| Tier 1 risk-based capital ratio | 11.0596% | 5,674 |
| Total risk-based capital ratio | 12.3211% | 5,550 |
| Memoranda: | ||
| Average total assets | $64,953,800 | 6,194 |
| Average earning assets | $59,755,400 | 6,180 |
| Average equity | $6,496,800 | 6,642 |
| Average total loans | $53,630,200 | 5,540 |