Home > Farmers and Merchants State Bank of Springfield > Performance and Condition Ratios
Farmers and Merchants State Bank of Springfield, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 3,010 |
| Cost of funding earning assets | 0.9022% | 3,517 |
| Net interest margin | 3.6484% | 1,865 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.2804% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1861% | 1,679 |
| Return on assets (ROA) | 1.2284% | 1,556 |
| Pretax return on assets | 1.3026% | 1,868 |
| Return on Equity (ROE) | 19.1200% | 696 |
| Retained earnings to average equity (ytd only) | 7.6108% | 1,665 |
| Net charge-offs to loans | 0.0025% | 2,704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 881.0000% | 171 |
| Efficiency ratio | 64.4543% | 2,552 |
| Assets per employee ($millions) | 5.9385% | 2,870 |
| Cash dividends to net income (ytd only)* | 60.1976% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 996 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.5600% | 2,886 |
| Net loans and leases to deposits | 67.9803% | 3,035 |
| Net loans and leases to core deposits | 68.7155% | 3,367 |
| Total domestic deposits to total assets | 87.6100% | 1,483 |
| Equity capital to assets | 7.1041% | 3,901 |
| Core capital (leverage) ratio | 8.0713% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9037% | 1,291 |
| Memoranda: | ||
| Average total assets | $140,105,200 | 3,458 |
| Average earning assets | $130,905,800 | 3,440 |
| Average equity | $9,000,400 | 3,821 |
| Average total loans | $79,746,200 | 3,411 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 3,040 |
| Cost of funding earning assets | 0.7798% | 3,578 |
| Net interest margin | 3.6503% | 1,885 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.2288% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2041% | 1,787 |
| Return on assets (ROA) | 1.2358% | 1,682 |
| Pretax return on assets | 1.3400% | 1,930 |
| Return on Equity (ROE) | 19.7700% | 747 |
| Retained earnings to average equity (ytd only) | 5.2297% | 2,866 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.0611% | 2,609 |
| Assets per employee ($millions) | 6.1348% | 2,626 |
| Cash dividends to net income (ytd only)* | 73.5499% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.6600% | 2,973 |
| Net loans and leases to deposits | 67.7074% | 2,997 |
| Net loans and leases to core deposits | 68.8340% | 3,277 |
| Total domestic deposits to total assets | 86.6400% | 2,005 |
| Equity capital to assets | 6.7550% | 3,724 |
| Core capital (leverage) ratio | 8.0812% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7451% | 1,144 |
| Memoranda: | ||
| Average total assets | $139,500,750 | 3,472 |
| Average earning assets | $130,289,000 | 3,449 |
| Average equity | $8,719,250 | 3,858 |
| Average total loans | $78,134,250 | 3,440 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 3,063 |
| Cost of funding earning assets | 0.6369% | 3,666 |
| Net interest margin | 3.6805% | 1,851 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.1743% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2971% | 1,580 |
| Return on assets (ROA) | 1.3261% | 1,485 |
| Pretax return on assets | 1.4282% | 1,748 |
| Return on Equity (ROE) | 21.7800% | 557 |
| Retained earnings to average equity (ytd only) | 2.8183% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.8817% | 2,856 |
| Assets per employee ($millions) | 6.2484% | 2,506 |
| Cash dividends to net income (ytd only)* | 87.0588% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 759 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.2800% | 3,168 |
| Net loans and leases to deposits | 62.8386% | 3,261 |
| Net loans and leases to core deposits | 63.8277% | 3,462 |
| Total domestic deposits to total assets | 87.9700% | 1,613 |
| Equity capital to assets | 6.3486% | 4,051 |
| Core capital (leverage) ratio | 7.7715% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7431% | 1,166 |
| Memoranda: | ||
| Average total assets | $141,012,333 | 3,467 |
| Average earning assets | $131,882,667 | 3,449 |
| Average equity | $8,586,667 | 3,892 |
| Average total loans | $77,349,667 | 3,458 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,975 |
| Cost of funding earning assets | 0.5994% | 3,388 |
| Net interest margin | 3.6321% | 2,053 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.9582% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4187% | 1,357 |
| Return on assets (ROA) | 1.4595% | 1,239 |
| Pretax return on assets | 1.6080% | 1,439 |
| Return on Equity (ROE) | 24.4700% | 430 |
| Retained earnings to average equity (ytd only) | 0.9863% | 3,868 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6086% | 3,447 |
| Assets per employee ($millions) | 6.5859% | 2,277 |
| Cash dividends to net income (ytd only)* | 95.9693% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 788 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.4300% | 3,163 |
| Net loans and leases to deposits | 61.3085% | 3,267 |
| Net loans and leases to core deposits | 61.9982% | 3,446 |
| Total domestic deposits to total assets | 88.7900% | 1,618 |
| Equity capital to assets | 6.3418% | 4,088 |
| Core capital (leverage) ratio | 7.4333% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7784% | 1,195 |
| Memoranda: | ||
| Average total assets | $142,786,500 | 3,499 |
| Average earning assets | $134,138,000 | 3,467 |
| Average equity | $8,516,500 | 3,946 |
| Average total loans | $77,373,000 | 3,494 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 3,632 |
| Cost of funding earning assets | 0.2762% | 3,079 |
| Net interest margin | 3.0068% | 3,435 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.1894% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6805% | 3,672 |
| Return on assets (ROA) | 0.6747% | 3,640 |
| Pretax return on assets | 0.7506% | 3,741 |
| Return on Equity (ROE) | 10.9900% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.6814% | 4,247 |
| Net charge-offs to loans | -0.0013% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3084% | 1,186 |
| Assets per employee ($millions) | 7.0128% | 1,967 |
| Cash dividends to net income (ytd only)* | 93.8025% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.1800% | 3,343 |
| Net loans and leases to deposits | 58.0829% | 3,452 |
| Net loans and leases to core deposits | 58.6875% | 3,574 |
| Total domestic deposits to total assets | 89.8300% | 1,438 |
| Equity capital to assets | 5.6101% | 4,204 |
| Core capital (leverage) ratio | 7.4200% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4769% | 1,241 |
| Memoranda: | ||
| Average total assets | $141,089,400 | 3,522 |
| Average earning assets | $132,533,800 | 3,501 |
| Average equity | $8,659,200 | 4,029 |
| Average total loans | $75,538,800 | 3,481 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1175% | 3,638 |
| Cost of funding earning assets | 0.2429% | 2,781 |
| Net interest margin | 2.8745% | 3,559 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.1278% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6422% | 3,716 |
| Return on assets (ROA) | 0.6277% | 3,710 |
| Pretax return on assets | 0.7090% | 3,781 |
| Return on Equity (ROE) | 10.0000% | 2,721 |
| Retained earnings to average equity (ytd only) | -2.2834% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.5814% | 1,222 |
| Assets per employee ($millions) | 6.2634% | 2,525 |
| Cash dividends to net income (ytd only)* | 122.8311% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 842 |
| Loan loss allowance to noncurrent loans | 13,100.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,929 |
| Noncurrent loans to loans | 0.0131% | 3,842 |
| Net loans and leases to total assets | 54.3000% | 3,071 |
| Net loans and leases to deposits | 60.7404% | 3,133 |
| Net loans and leases to core deposits | 61.4266% | 3,274 |
| Total domestic deposits to total assets | 89.3900% | 1,923 |
| Equity capital to assets | 5.5764% | 4,104 |
| Core capital (leverage) ratio | 7.3679% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5522% | 1,275 |
| Memoranda: | ||
| Average total assets | $139,544,500 | 3,560 |
| Average earning assets | $131,171,500 | 3,532 |
| Average equity | $8,758,500 | 4,063 |
| Average total loans | $74,886,000 | 3,500 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9024% | 3,772 |
| Cost of funding earning assets | 0.2348% | 2,447 |
| Net interest margin | 2.6676% | 3,774 |
| Noninterest income to average assets | 0.1185% | 4,406 |
| Noninterest expense to average assets | 2.0396% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5216% | 3,841 |
| Return on assets (ROA) | 0.4953% | 3,858 |
| Pretax return on assets | 0.5623% | 3,897 |
| Return on Equity (ROE) | 7.6124% | 3,129 |
| Retained earnings to average equity (ytd only) | -8.0512% | 4,626 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4946% | 1,130 |
| Assets per employee ($millions) | 6.3835% | 2,403 |
| Cash dividends to net income (ytd only)* | 205.7637% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.9368% | 3,162 |
| Net loans and leases to deposits | 58.2538% | 3,203 |
| Net loans and leases to core deposits | 59.0872% | 3,343 |
| Total domestic deposits to total assets | 89.1561% | 2,109 |
| Equity capital to assets | 5.9087% | 4,228 |
| Core capital (leverage) ratio | 7.2417% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4283% | 1,321 |
| Memoranda: | ||
| Average total assets | $140,127,667 | 3,599 |
| Average earning assets | $132,030,000 | 3,573 |
| Average equity | $9,116,667 | 4,090 |
| Average total loans | $74,472,333 | 3,542 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8587% | 3,630 |
| Cost of funding earning assets | 0.3153% | 1,509 |
| Net interest margin | 2.5434% | 3,802 |
| Noninterest income to average assets | 0.0972% | 4,520 |
| Noninterest expense to average assets | 1.9604% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4498% | 3,845 |
| Return on assets (ROA) | 0.4258% | 3,862 |
| Pretax return on assets | 0.5058% | 3,862 |
| Return on Equity (ROE) | 6.2566% | 3,268 |
| Retained earnings to average equity (ytd only) | -18.9376% | 4,689 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5796% | 1,263 |
| Assets per employee ($millions) | 6.8063% | 2,139 |
| Cash dividends to net income (ytd only)* | 402.6846% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.4345% | 3,130 |
| Net loans and leases to deposits | 56.5930% | 3,206 |
| Net loans and leases to core deposits | 57.3877% | 3,357 |
| Total domestic deposits to total assets | 89.1179% | 2,023 |
| Equity capital to assets | 6.0441% | 4,571 |
| Core capital (leverage) ratio | 7.2478% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4586% | 1,391 |
| Memoranda: | ||
| Average total assets | $139,972,500 | 3,616 |
| Average earning assets | $131,949,000 | 3,594 |
| Average equity | $9,526,000 | 4,109 |
| Average total loans | $74,584,000 | 3,546 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 2,536 |
| Cost of funding earning assets | 0.2695% | 2,707 |
| Net interest margin | 3.2735% | 2,392 |
| Noninterest income to average assets | 0.1098% | 4,564 |
| Noninterest expense to average assets | 2.2698% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8178% | 3,277 |
| Return on assets (ROA) | 0.8435% | 3,272 |
| Pretax return on assets | 0.9475% | 3,383 |
| Return on Equity (ROE) | 10.8560% | 2,213 |
| Retained earnings to average equity (ytd only) | -0.2231% | 4,519 |
| Net charge-offs to loans | -0.0038% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1891% | 1,592 |
| Assets per employee ($millions) | 6.2279% | 2,549 |
| Cash dividends to net income (ytd only)* | 102.0548% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.3459% | 2,806 |
| Net loans and leases to deposits | 62.2808% | 2,854 |
| Net loans and leases to core deposits | 63.2118% | 3,056 |
| Total domestic deposits to total assets | 87.2596% | 2,410 |
| Equity capital to assets | 7.6000% | 4,554 |
| Core capital (leverage) ratio | 7.7748% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2930% | 1,435 |
| Memoranda: | ||
| Average total assets | $138,467,400 | 3,596 |
| Average earning assets | $130,227,600 | 3,568 |
| Average equity | $10,759,000 | 4,062 |
| Average total loans | $79,188,000 | 3,492 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 2,085 |
| Cost of funding earning assets | 0.2953% | 2,642 |
| Net interest margin | 3.4768% | 1,936 |
| Noninterest income to average assets | 0.1114% | 4,621 |
| Noninterest expense to average assets | 2.1839% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1937% | 2,191 |
| Return on assets (ROA) | 1.2206% | 2,158 |
| Pretax return on assets | 1.2226% | 2,860 |
| Return on Equity (ROE) | 15.6251% | 1,019 |
| Retained earnings to average equity (ytd only) | 0.9712% | 4,419 |
| Net charge-offs to loans | -0.0033% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6206% | 2,294 |
| Assets per employee ($millions) | 6.1902% | 2,518 |
| Cash dividends to net income (ytd only)* | 93.7844% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.4309% | 3,153 |
| Net loans and leases to deposits | 60.5126% | 3,189 |
| Net loans and leases to core deposits | 61.9463% | 3,327 |
| Total domestic deposits to total assets | 86.6446% | 2,489 |
| Equity capital to assets | 7.9363% | 4,552 |
| Core capital (leverage) ratio | 7.7758% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9676% | 1,358 |
| Memoranda: | ||
| Average total assets | $138,831,000 | 3,638 |
| Average earning assets | $130,498,250 | 3,608 |
| Average equity | $10,845,500 | 4,107 |
| Average total loans | $80,042,250 | 3,525 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 1,266 |
| Cost of funding earning assets | 0.3257% | 2,536 |
| Net interest margin | 3.8214% | 1,108 |
| Noninterest income to average assets | 0.1117% | 4,646 |
| Noninterest expense to average assets | 2.0485% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6548% | 941 |
| Return on assets (ROA) | 1.6806% | 949 |
| Pretax return on assets | 1.6835% | 1,523 |
| Return on Equity (ROE) | 21.6246% | 346 |
| Retained earnings to average equity (ytd only) | 0.2026% | 4,478 |
| Net charge-offs to loans | -0.0048% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2723% | 3,631 |
| Assets per employee ($millions) | 6.4531% | 2,198 |
| Cash dividends to net income (ytd only)* | 99.0630% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 1,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.9838% | 3,019 |
| Net loans and leases to deposits | 63.0268% | 3,102 |
| Net loans and leases to core deposits | 64.5663% | 3,237 |
| Total domestic deposits to total assets | 87.2388% | 2,202 |
| Equity capital to assets | 7.5869% | 4,710 |
| Core capital (leverage) ratio | 7.5672% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4391% | 1,487 |
| Memoranda: | ||
| Average total assets | $139,713,000 | 3,637 |
| Average earning assets | $131,418,000 | 3,611 |
| Average equity | $10,858,000 | 4,117 |
| Average total loans | $82,485,667 | 3,506 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 979 |
| Cost of funding earning assets | 0.4449% | 1,764 |
| Net interest margin | 3.8966% | 991 |
| Noninterest income to average assets | 0.0981% | 4,694 |
| Noninterest expense to average assets | 2.0551% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7029% | 933 |
| Return on assets (ROA) | 1.7549% | 904 |
| Pretax return on assets | 1.7607% | 1,378 |
| Return on Equity (ROE) | 22.3089% | 372 |
| Retained earnings to average equity (ytd only) | 0.2935% | 4,331 |
| Net charge-offs to loans | -0.0048% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6012% | 3,721 |
| Assets per employee ($millions) | 6.3812% | 2,269 |
| Cash dividends to net income (ytd only)* | 98.6842% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,446 |
| Loan loss allowance to noncurrent loans | 134.4296% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 1,353 |
| Noncurrent loans to loans | 1.1486% | 1,167 |
| Net loans and leases to total assets | 59.4126% | 2,616 |
| Net loans and leases to deposits | 68.2472% | 2,674 |
| Net loans and leases to core deposits | 69.9553% | 2,868 |
| Total domestic deposits to total assets | 87.0550% | 2,291 |
| Equity capital to assets | 7.7280% | 4,623 |
| Core capital (leverage) ratio | 7.8188% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2899% | 1,819 |
| Memoranda: | ||
| Average total assets | $138,585,000 | 3,655 |
| Average earning assets | $130,369,500 | 3,629 |
| Average equity | $10,901,500 | 4,118 |
| Average total loans | $84,044,000 | 3,494 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,176 |
| Cost of funding earning assets | 0.6640% | 1,904 |
| Net interest margin | 3.5222% | 2,403 |
| Noninterest income to average assets | 0.1630% | 4,480 |
| Noninterest expense to average assets | 2.3708% | 3,205 |
| Loan and lease loss provision to assets | 0.0922% | 3,196 |
| Net operating income to assets | 0.9686% | 2,404 |
| Return on assets (ROA) | 0.9625% | 2,579 |
| Pretax return on assets | 0.9640% | 3,162 |
| Return on Equity (ROE) | 11.5545% | 1,456 |
| Retained earnings to average equity (ytd only) | 1.1444% | 4,172 |
| Net charge-offs to loans | -0.0011% | 3,955 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0551% | 2,087 |
| Assets per employee ($millions) | 6.2175% | 2,153 |
| Cash dividends to net income (ytd only)* | 90.0958% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 1,376 |
| Loan loss allowance to noncurrent loans | 133.0957% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 1,447 |
| Noncurrent loans to loans | 1.1778% | 1,204 |
| Net loans and leases to total assets | 59.9968% | 2,862 |
| Net loans and leases to deposits | 69.3137% | 2,953 |
| Net loans and leases to core deposits | 71.8616% | 3,089 |
| Total domestic deposits to total assets | 86.5584% | 2,121 |
| Equity capital to assets | 8.0082% | 4,702 |
| Core capital (leverage) ratio | 7.8581% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7957% | 1,932 |
| Memoranda: | ||
| Average total assets | $130,084,000 | 3,623 |
| Average earning assets | $120,776,600 | 3,616 |
| Average equity | $10,835,600 | 4,101 |
| Average total loans | $87,735,200 | 3,439 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,664 |
| Cost of funding earning assets | 0.7535% | 1,717 |
| Net interest margin | 3.7102% | 1,908 |
| Noninterest income to average assets | 0.1672% | 4,466 |
| Noninterest expense to average assets | 2.3165% | 3,377 |
| Loan and lease loss provision to assets | 0.0935% | 3,146 |
| Net operating income to assets | 1.1910% | 1,666 |
| Return on assets (ROA) | 1.1743% | 1,852 |
| Pretax return on assets | 1.1764% | 2,466 |
| Return on Equity (ROE) | 13.9549% | 888 |
| Retained earnings to average equity (ytd only) | 1.1968% | 4,180 |
| Net charge-offs to loans | -0.0015% | 3,857 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2939% | 2,689 |
| Assets per employee ($millions) | 5.9924% | 2,271 |
| Cash dividends to net income (ytd only)* | 91.4235% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,514 |
| Loan loss allowance to noncurrent loans | 84.3461% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1636% | 881 |
| Noncurrent loans to loans | 1.7260% | 785 |
| Net loans and leases to total assets | 65.5691% | 2,571 |
| Net loans and leases to deposits | 76.8836% | 2,669 |
| Net loans and leases to core deposits | 80.6827% | 2,786 |
| Total domestic deposits to total assets | 85.2835% | 2,324 |
| Equity capital to assets | 8.3151% | 4,566 |
| Core capital (leverage) ratio | 8.0659% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,409,000 | 3,637 |
| Average earning assets | $118,911,500 | 3,626 |
| Average equity | $10,806,000 | 4,110 |
| Average total loans | $88,825,750 | 3,435 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,355 |
| Cost of funding earning assets | 0.8257% | 1,700 |
| Net interest margin | 3.8968% | 1,578 |
| Noninterest income to average assets | 0.1886% | 4,332 |
| Noninterest expense to average assets | 2.3069% | 3,495 |
| Loan and lease loss provision to assets | 0.0943% | 3,093 |
| Net operating income to assets | 1.3813% | 1,153 |
| Return on assets (ROA) | 1.3531% | 1,309 |
| Pretax return on assets | 1.3562% | 1,847 |
| Return on Equity (ROE) | 16.0126% | 562 |
| Retained earnings to average equity (ytd only) | 0.6323% | 4,177 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9381% | 3,285 |
| Assets per employee ($millions) | 5.8008% | 2,370 |
| Cash dividends to net income (ytd only)* | 96.0511% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,566 |
| Loan loss allowance to noncurrent loans | 60.2806% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 582 |
| Noncurrent loans to loans | 2.3300% | 529 |
| Net loans and leases to total assets | 65.5571% | 2,692 |
| Net loans and leases to deposits | 76.8910% | 2,766 |
| Net loans and leases to core deposits | 81.0011% | 2,867 |
| Total domestic deposits to total assets | 85.2599% | 2,284 |
| Equity capital to assets | 8.2028% | 4,633 |
| Core capital (leverage) ratio | 8.2286% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,268,000 | 3,627 |
| Average earning assets | $117,480,000 | 3,630 |
| Average equity | $10,754,000 | 4,125 |
| Average total loans | $89,195,000 | 3,425 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 2,190 |
| Cost of funding earning assets | 0.9895% | 1,466 |
| Net interest margin | 3.5509% | 2,817 |
| Noninterest income to average assets | 0.1256% | 4,738 |
| Noninterest expense to average assets | 2.2642% | 3,848 |
| Loan and lease loss provision to assets | 0.0966% | 2,478 |
| Net operating income to assets | 1.0170% | 2,125 |
| Return on assets (ROA) | 0.9437% | 2,472 |
| Pretax return on assets | 0.9501% | 2,997 |
| Return on Equity (ROE) | 10.9954% | 1,410 |
| Retained earnings to average equity (ytd only) | -9.6444% | 4,751 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8887% | 2,837 |
| Assets per employee ($millions) | 5.5522% | 2,061 |
| Cash dividends to net income (ytd only)* | 187.7133% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,952 |
| Loan loss allowance to noncurrent loans | 71.9953% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 395 |
| Noncurrent loans to loans | 1.8617% | 793 |
| Net loans and leases to total assets | 73.2777% | 1,732 |
| Net loans and leases to deposits | 86.8976% | 1,887 |
| Net loans and leases to core deposits | 93.5973% | 2,007 |
| Total domestic deposits to total assets | 84.3265% | 2,659 |
| Equity capital to assets | 8.7336% | 4,720 |
| Core capital (leverage) ratio | 8.3904% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9547% | 2,725 |
| Memoranda: | ||
| Average total assets | $124,193,000 | 3,644 |
| Average earning assets | $114,000,000 | 3,645 |
| Average equity | $10,659,000 | 4,152 |
| Average total loans | $89,437,000 | 3,407 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,250 |
| Cost of funding earning assets | 0.8763% | 2,303 |
| Net interest margin | 3.8519% | 2,328 |
| Noninterest income to average assets | 0.3300% | 3,728 |
| Noninterest expense to average assets | 2.6345% | 3,078 |
| Loan and lease loss provision to assets | 0.0985% | 2,079 |
| Net operating income to assets | 1.0968% | 2,458 |
| Return on assets (ROA) | 1.0968% | 2,556 |
| Pretax return on assets | 1.1264% | 3,091 |
| Return on Equity (ROE) | 12.9959% | 1,166 |
| Retained earnings to average equity (ytd only) | 3.9493% | 2,988 |
| Net charge-offs to loans | 0.0012% | 3,687 |
| Credit loss provision to net charge-offs | 12,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,492.0000% | 58 |
| Efficiency ratio | 68.2621% | 2,423 |
| Assets per employee ($millions) | 5.7380% | 1,849 |
| Cash dividends to net income (ytd only)* | 69.6108% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,723 |
| Loan loss allowance to noncurrent loans | 2,758.1395% | 243 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 1,201 |
| Noncurrent loans to loans | 0.0488% | 4,353 |
| Net loans and leases to total assets | 68.8895% | 2,555 |
| Net loans and leases to deposits | 81.6303% | 2,598 |
| Net loans and leases to core deposits | 87.5083% | 2,652 |
| Total domestic deposits to total assets | 84.3921% | 2,721 |
| Equity capital to assets | 8.4365% | 4,936 |
| Core capital (leverage) ratio | 8.6539% | 4,756 |
| Tier 1 risk-based capital ratio | 12.1885% | 4,250 |
| Total risk-based capital ratio | 13.4396% | 4,136 |
| Memoranda: | ||
| Average total assets | $121,805,400 | 3,670 |
| Average earning assets | $111,607,200 | 3,682 |
| Average equity | $10,280,200 | 4,202 |
| Average total loans | $86,130,000 | 3,480 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 2,212 |
| Cost of funding earning assets | 0.8559% | 2,436 |
| Net interest margin | 3.9148% | 2,205 |
| Noninterest income to average assets | 0.4573% | 2,981 |
| Noninterest expense to average assets | 2.6854% | 2,903 |
| Loan and lease loss provision to assets | 0.0994% | 1,934 |
| Net operating income to assets | 1.2251% | 2,109 |
| Return on assets (ROA) | 1.2251% | 2,184 |
| Pretax return on assets | 1.2648% | 2,771 |
| Return on Equity (ROE) | 14.5142% | 883 |
| Retained earnings to average equity (ytd only) | 3.1803% | 3,816 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3121% | 2,685 |
| Assets per employee ($millions) | 5.7042% | 1,846 |
| Cash dividends to net income (ytd only)* | 78.0885% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,607 |
| Loan loss allowance to noncurrent loans | 3,402.9412% | 207 |
| Noncurrent assets plus other real estate owned to assets | 1.4175% | 810 |
| Noncurrent loans to loans | 0.0409% | 4,471 |
| Net loans and leases to total assets | 68.3524% | 2,739 |
| Net loans and leases to deposits | 81.6991% | 2,726 |
| Net loans and leases to core deposits | 87.5055% | 2,782 |
| Total domestic deposits to total assets | 83.6636% | 2,949 |
| Equity capital to assets | 8.7480% | 4,898 |
| Core capital (leverage) ratio | 8.8605% | 4,738 |
| Tier 1 risk-based capital ratio | 12.6607% | 4,049 |
| Total risk-based capital ratio | 13.9128% | 3,922 |
| Memoranda: | ||
| Average total assets | $120,697,500 | 3,728 |
| Average earning assets | $110,755,750 | 3,738 |
| Average equity | $10,187,500 | 4,259 |
| Average total loans | $85,625,000 | 3,532 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,116 |
| Cost of funding earning assets | 0.8428% | 2,434 |
| Net interest margin | 3.9393% | 2,123 |
| Noninterest income to average assets | 0.5405% | 2,435 |
| Noninterest expense to average assets | 2.5901% | 3,212 |
| Loan and lease loss provision to assets | 0.0992% | 1,884 |
| Net operating income to assets | 1.4149% | 1,392 |
| Return on assets (ROA) | 1.4149% | 1,444 |
| Pretax return on assets | 1.4744% | 1,940 |
| Return on Equity (ROE) | 16.9667% | 466 |
| Retained earnings to average equity (ytd only) | 1.5659% | 4,267 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2072% | 3,400 |
| Assets per employee ($millions) | 5.3784% | 2,071 |
| Cash dividends to net income (ytd only)* | 90.7710% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,742 |
| Loan loss allowance to noncurrent loans | 112,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 823 |
| Noncurrent loans to loans | 0.0012% | 4,735 |
| Net loans and leases to total assets | 68.6246% | 2,734 |
| Net loans and leases to deposits | 82.1472% | 2,715 |
| Net loans and leases to core deposits | 87.5689% | 2,844 |
| Total domestic deposits to total assets | 83.5386% | 3,035 |
| Equity capital to assets | 8.7065% | 4,950 |
| Core capital (leverage) ratio | 8.7195% | 4,824 |
| Tier 1 risk-based capital ratio | 12.3461% | 4,218 |
| Total risk-based capital ratio | 13.5974% | 4,086 |
| Memoranda: | ||
| Average total assets | $121,000,670 | 3,745 |
| Average earning assets | $111,290,000 | 3,752 |
| Average equity | $10,090,330 | 4,289 |
| Average total loans | $86,488,330 | 3,543 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 2,202 |
| Cost of funding earning assets | 0.7999% | 2,539 |
| Net interest margin | 3.9068% | 2,163 |
| Noninterest income to average assets | 0.1504% | 4,843 |
| Noninterest expense to average assets | 2.4457% | 3,637 |
| Loan and lease loss provision to assets | 0.0981% | 1,785 |
| Net operating income to assets | 1.1999% | 2,056 |
| Return on assets (ROA) | 1.1999% | 2,107 |
| Pretax return on assets | 1.1999% | 2,801 |
| Return on Equity (ROE) | 14.7028% | 813 |
| Retained earnings to average equity (ytd only) | -6.7705% | 5,002 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3275% | 3,036 |
| Assets per employee ($millions) | 5.1843% | 2,298 |
| Cash dividends to net income (ytd only)* | 146.0490% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,424 |
| Loan loss allowance to noncurrent loans | 57.2547% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 503 |
| Noncurrent loans to loans | 2.1490% | 668 |
| Net loans and leases to total assets | 73.8531% | 1,834 |
| Net loans and leases to deposits | 87.8029% | 1,900 |
| Net loans and leases to core deposits | 93.4979% | 2,171 |
| Total domestic deposits to total assets | 84.1124% | 3,010 |
| Equity capital to assets | 8.3455% | 5,067 |
| Core capital (leverage) ratio | 8.3751% | 5,074 |
| Tier 1 risk-based capital ratio | 10.9030% | 5,020 |
| Total risk-based capital ratio | 12.0927% | 4,950 |
| Memoranda: | ||
| Average total assets | $122,338,500 | 3,760 |
| Average earning assets | $112,521,000 | 3,776 |
| Average equity | $9,984,500 | 4,333 |
| Average total loans | $88,569,000 | 3,524 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,964 |
| Cost of funding earning assets | 0.6491% | 2,396 |
| Net interest margin | 4.0084% | 1,958 |
| Noninterest income to average assets | 0.2468% | 4,444 |
| Noninterest expense to average assets | 2.6187% | 3,275 |
| Loan and lease loss provision to assets | 0.0936% | 2,279 |
| Net operating income to assets | 0.7438% | 3,993 |
| Return on assets (ROA) | 0.7438% | 3,994 |
| Pretax return on assets | 1.1974% | 2,891 |
| Return on Equity (ROE) | 8.8742% | 3,052 |
| Retained earnings to average equity (ytd only) | -0.0914% | 4,997 |
| Net charge-offs to loans | 0.0024% | 3,657 |
| Credit loss provision to net charge-offs | 5,500.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 758.5000% | 146 |
| Efficiency ratio | 66.9787% | 2,713 |
| Assets per employee ($millions) | 5.2266% | 2,235 |
| Cash dividends to net income (ytd only)* | 101.0297% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,503 |
| Loan loss allowance to noncurrent loans | 84.2812% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3760% | 902 |
| Noncurrent loans to loans | 1.4390% | 1,075 |
| Net loans and leases to total assets | 69.2871% | 2,694 |
| Net loans and leases to deposits | 81.6936% | 2,771 |
| Net loans and leases to core deposits | 85.2222% | 2,981 |
| Total domestic deposits to total assets | 84.8133% | 2,728 |
| Equity capital to assets | 7.9864% | 5,167 |
| Core capital (leverage) ratio | 8.3289% | 5,102 |
| Tier 1 risk-based capital ratio | 11.2120% | 4,860 |
| Total risk-based capital ratio | 12.3822% | 4,808 |
| Memoranda: | ||
| Average total assets | $117,501,200 | 3,830 |
| Average earning assets | $107,375,000 | 3,848 |
| Average equity | $9,848,800 | 4,324 |
| Average total loans | $84,270,600 | 3,588 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,800 |
| Cost of funding earning assets | 0.5913% | 2,535 |
| Net interest margin | 4.0673% | 1,731 |
| Noninterest income to average assets | 0.2597% | 4,417 |
| Noninterest expense to average assets | 2.6281% | 3,206 |
| Loan and lease loss provision to assets | 0.0923% | 2,131 |
| Net operating income to assets | 0.6314% | 4,416 |
| Return on assets (ROA) | 0.6314% | 4,432 |
| Pretax return on assets | 1.2465% | 2,824 |
| Return on Equity (ROE) | 7.4371% | 3,773 |
| Retained earnings to average equity (ytd only) | -2.6649% | 5,233 |
| Net charge-offs to loans | 0.0048% | 3,271 |
| Credit loss provision to net charge-offs | 2,666.6667% | 157 |
| Earnings coverage of net charge-offs (x) | 386.6575% | 244 |
| Efficiency ratio | 66.2496% | 2,820 |
| Assets per employee ($millions) | 5.0738% | 2,370 |
| Cash dividends to net income (ytd only)* | 135.8306% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 3,111 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.5222% | 2,405 |
| Net loans and leases to deposits | 85.4946% | 2,420 |
| Net loans and leases to core deposits | 88.7255% | 2,774 |
| Total domestic deposits to total assets | 83.6570% | 3,060 |
| Equity capital to assets | 8.3480% | 5,010 |
| Core capital (leverage) ratio | 8.5497% | 5,069 |
| Tier 1 risk-based capital ratio | 11.4274% | 4,836 |
| Total risk-based capital ratio | 12.6070% | 4,756 |
| Memoranda: | ||
| Average total assets | $115,516,750 | 3,901 |
| Average earning assets | $105,293,500 | 3,931 |
| Average equity | $9,806,500 | 4,367 |
| Average total loans | $83,343,250 | 3,637 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 1,802 |
| Cost of funding earning assets | 0.5641% | 2,481 |
| Net interest margin | 4.0284% | 1,769 |
| Noninterest income to average assets | 0.2814% | 4,299 |
| Noninterest expense to average assets | 2.6754% | 3,094 |
| Loan and lease loss provision to assets | 0.0869% | 2,179 |
| Net operating income to assets | 0.2658% | 5,165 |
| Return on assets (ROA) | 0.2658% | 5,159 |
| Pretax return on assets | 1.1918% | 2,969 |
| Return on Equity (ROE) | 3.1136% | 5,002 |
| Retained earnings to average equity (ytd only) | -8.2621% | 5,388 |
| Net charge-offs to loans | 0.0072% | 2,869 |
| Credit loss provision to net charge-offs | 1,666.6667% | 253 |
| Earnings coverage of net charge-offs (x) | 245.3333% | 364 |
| Efficiency ratio | 67.6626% | 2,702 |
| Assets per employee ($millions) | 4.8902% | 2,572 |
| Cash dividends to net income (ytd only)* | 365.3595% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 3,095 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.4283% | 2,209 |
| Net loans and leases to deposits | 87.6163% | 2,157 |
| Net loans and leases to core deposits | 90.3759% | 2,540 |
| Total domestic deposits to total assets | 82.6653% | 3,506 |
| Equity capital to assets | 8.4997% | 4,937 |
| Core capital (leverage) ratio | 8.4910% | 5,118 |
| Tier 1 risk-based capital ratio | 11.4542% | 4,803 |
| Total risk-based capital ratio | 12.6269% | 4,753 |
| Memoranda: | ||
| Average total assets | $115,123,000 | 3,935 |
| Average earning assets | $104,953,670 | 3,969 |
| Average equity | $9,828,000 | 4,401 |
| Average total loans | $82,957,330 | 3,660 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,151 |
| Cost of funding earning assets | 0.5017% | 2,783 |
| Net interest margin | 3.9119% | 1,994 |
| Noninterest income to average assets | 0.2164% | 4,710 |
| Noninterest expense to average assets | 2.4663% | 3,751 |
| Loan and lease loss provision to assets | 0.0687% | 2,392 |
| Net operating income to assets | -0.5840% | 5,510 |
| Return on assets (ROA) | -0.5840% | 5,508 |
| Pretax return on assets | 1.2435% | 2,585 |
| Return on Equity (ROE) | -6.8259% | 5,518 |
| Retained earnings to average equity (ytd only) | -6.8259% | 5,279 |
| Net charge-offs to loans | 0.0048% | 2,560 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 180 |
| Efficiency ratio | 65.2727% | 3,282 |
| Assets per employee ($millions) | 4.7644% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,044 |
| Loan loss allowance to noncurrent loans | 48,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 3,143 |
| Noncurrent loans to loans | 0.0024% | 5,015 |
| Net loans and leases to total assets | 72.9322% | 2,037 |
| Net loans and leases to deposits | 88.6888% | 1,844 |
| Net loans and leases to core deposits | 90.7010% | 2,395 |
| Total domestic deposits to total assets | 82.2337% | 3,891 |
| Equity capital to assets | 8.5783% | 4,919 |
| Core capital (leverage) ratio | 8.7532% | 4,945 |
| Tier 1 risk-based capital ratio | 11.5276% | 4,845 |
| Total risk-based capital ratio | 12.6481% | 4,822 |
| Memoranda: | ||
| Average total assets | $116,447,500 | 3,961 |
| Average earning assets | $106,035,000 | 3,989 |
| Average equity | $9,962,000 | 4,433 |
| Average total loans | $83,201,500 | 3,685 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 2,536 |
| Cost of funding earning assets | 0.3765% | 3,452 |
| Net interest margin | 3.8637% | 2,212 |
| Noninterest income to average assets | 0.2311% | 4,749 |
| Noninterest expense to average assets | 2.6810% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4780% | 4,431 |
| Return on assets (ROA) | 0.4752% | 4,477 |
| Pretax return on assets | 1.0321% | 3,451 |
| Return on Equity (ROE) | 5.4322% | 3,991 |
| Retained earnings to average equity (ytd only) | 2.4529% | 3,863 |
| Net charge-offs to loans | -0.0050% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1197% | 2,205 |
| Assets per employee ($millions) | 4.9395% | 2,557 |
| Cash dividends to net income (ytd only)* | 54.8446% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,959 |
| Loan loss allowance to noncurrent loans | 9,590.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,202 |
| Noncurrent loans to loans | 0.0122% | 4,981 |
| Net loans and leases to total assets | 68.3861% | 2,768 |
| Net loans and leases to deposits | 81.3533% | 2,777 |
| Net loans and leases to core deposits | 82.8379% | 3,166 |
| Total domestic deposits to total assets | 84.0606% | 3,183 |
| Equity capital to assets | 8.5323% | 5,099 |
| Core capital (leverage) ratio | 8.8426% | 4,819 |
| Tier 1 risk-based capital ratio | 11.9060% | 4,592 |
| Total risk-based capital ratio | 13.0219% | 4,559 |
| Memoranda: | ||
| Average total assets | $115,106,400 | 3,975 |
| Average earning assets | $103,863,200 | 4,029 |
| Average equity | $10,069,600 | 4,434 |
| Average total loans | $79,283,600 | 3,764 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 2,640 |
| Cost of funding earning assets | 0.3451% | 3,723 |
| Net interest margin | 3.8482% | 2,232 |
| Noninterest income to average assets | 0.2299% | 4,837 |
| Noninterest expense to average assets | 2.6527% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6792% | 4,083 |
| Return on assets (ROA) | 0.6792% | 4,143 |
| Pretax return on assets | 1.0515% | 3,483 |
| Return on Equity (ROE) | 7.7149% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.7381% | 3,698 |
| Net charge-offs to loans | -0.0068% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6131% | 2,260 |
| Assets per employee ($millions) | 4.7193% | 2,806 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 3,017 |
| Loan loss allowance to noncurrent loans | 2,993.7500% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,294 |
| Noncurrent loans to loans | 0.0396% | 4,937 |
| Net loans and leases to total assets | 70.5409% | 2,479 |
| Net loans and leases to deposits | 85.4759% | 2,366 |
| Net loans and leases to core deposits | 86.3965% | 2,930 |
| Total domestic deposits to total assets | 82.5272% | 3,618 |
| Equity capital to assets | 9.0286% | 4,890 |
| Core capital (leverage) ratio | 8.9366% | 4,817 |
| Tier 1 risk-based capital ratio | 12.0454% | 4,575 |
| Total risk-based capital ratio | 13.1693% | 4,563 |
| Memoranda: | ||
| Average total assets | $114,245,750 | 4,028 |
| Average earning assets | $103,144,750 | 4,085 |
| Average equity | $10,058,250 | 4,478 |
| Average total loans | $78,597,000 | 3,807 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 2,889 |
| Cost of funding earning assets | 0.3423% | 3,661 |
| Net interest margin | 3.7383% | 2,520 |
| Noninterest income to average assets | 0.2025% | 5,035 |
| Noninterest expense to average assets | 2.6114% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6214% | 4,207 |
| Return on assets (ROA) | 0.6214% | 4,253 |
| Pretax return on assets | 0.9653% | 3,705 |
| Return on Equity (ROE) | 7.1183% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.1197% | 4,792 |
| Net charge-offs to loans | -0.0103% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0112% | 2,183 |
| Assets per employee ($millions) | 4.8909% | 2,523 |
| Cash dividends to net income (ytd only)* | 84.2697% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,596 |
| Loan loss allowance to noncurrent loans | 3,684.6154% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 3,383 |
| Noncurrent loans to loans | 0.0343% | 5,020 |
| Net loans and leases to total assets | 66.5108% | 3,028 |
| Net loans and leases to deposits | 78.9669% | 3,024 |
| Net loans and leases to core deposits | 79.8059% | 3,437 |
| Total domestic deposits to total assets | 84.2262% | 3,115 |
| Equity capital to assets | 8.8879% | 5,002 |
| Core capital (leverage) ratio | 9.0106% | 4,710 |
| Tier 1 risk-based capital ratio | 12.5348% | 4,287 |
| Total risk-based capital ratio | 13.7307% | 4,210 |
| Memoranda: | ||
| Average total assets | $114,573,670 | 4,050 |
| Average earning assets | $103,414,670 | 4,108 |
| Average equity | $10,002,330 | 4,508 |
| Average total loans | $77,844,670 | 3,838 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 2,793 |
| Cost of funding earning assets | 0.3115% | 3,928 |
| Net interest margin | 3.7500% | 2,311 |
| Noninterest income to average assets | 0.0865% | 5,624 |
| Noninterest expense to average assets | 2.5498% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6020% | 4,156 |
| Return on assets (ROA) | 0.6020% | 4,208 |
| Pretax return on assets | 0.9099% | 3,731 |
| Return on Equity (ROE) | 6.9569% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.9569% | 1,866 |
| Net charge-offs to loans | -0.0051% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7000% | 2,284 |
| Assets per employee ($millions) | 4.9237% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 3,086 |
| Loan loss allowance to noncurrent loans | 3,673.0769% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,471 |
| Noncurrent loans to loans | 0.0329% | 5,070 |
| Net loans and leases to total assets | 68.9932% | 2,531 |
| Net loans and leases to deposits | 81.9526% | 2,516 |
| Net loans and leases to core deposits | 83.1121% | 2,988 |
| Total domestic deposits to total assets | 84.1866% | 3,404 |
| Equity capital to assets | 8.9231% | 4,882 |
| Core capital (leverage) ratio | 8.8768% | 4,875 |
| Tier 1 risk-based capital ratio | 12.3022% | 4,505 |
| Total risk-based capital ratio | 13.4586% | 4,475 |
| Memoranda: | ||
| Average total assets | $115,615,500 | 4,070 |
| Average earning assets | $103,999,500 | 4,129 |
| Average equity | $10,004,500 | 4,542 |
| Average total loans | $78,879,000 | 3,835 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,493 |
| Cost of funding earning assets | 0.3605% | 3,406 |
| Net interest margin | 3.5603% | 3,219 |
| Noninterest income to average assets | 0.2684% | 4,806 |
| Noninterest expense to average assets | 2.5009% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6362% | 4,064 |
| Return on assets (ROA) | 0.6439% | 4,134 |
| Pretax return on assets | 1.0057% | 3,458 |
| Return on Equity (ROE) | 7.7103% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.1436% | 2,248 |
| Net charge-offs to loans | 0.0942% | 2,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.6622% | 2,184 |
| Efficiency ratio | 71.5653% | 2,656 |
| Assets per employee ($millions) | 5.3630% | 1,993 |
| Cash dividends to net income (ytd only)* | 33.2889% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 3,048 |
| Loan loss allowance to noncurrent loans | 454.2857% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,930 |
| Noncurrent loans to loans | 0.2669% | 4,198 |
| Net loans and leases to total assets | 65.8702% | 3,091 |
| Net loans and leases to deposits | 77.6107% | 3,151 |
| Net loans and leases to core deposits | 79.2570% | 3,456 |
| Total domestic deposits to total assets | 84.8727% | 3,103 |
| Equity capital to assets | 8.3943% | 5,349 |
| Core capital (leverage) ratio | 8.1762% | 5,517 |
| Tier 1 risk-based capital ratio | 12.0714% | 4,680 |
| Total risk-based capital ratio | 13.2248% | 4,630 |
| Memoranda: | ||
| Average total assets | $116,637,800 | 4,049 |
| Average earning assets | $105,693,000 | 4,082 |
| Average equity | $9,740,200 | 4,629 |
| Average total loans | $78,547,800 | 3,838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,473 |
| Cost of funding earning assets | 0.3503% | 3,534 |
| Net interest margin | 3.5849% | 3,135 |
| Noninterest income to average assets | 0.2900% | 4,694 |
| Noninterest expense to average assets | 2.4820% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6845% | 3,937 |
| Return on assets (ROA) | 0.6947% | 4,013 |
| Pretax return on assets | 1.0857% | 3,292 |
| Return on Equity (ROE) | 8.3303% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.8937% | 2,899 |
| Net charge-offs to loans | 0.1257% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.6087% | 2,376 |
| Efficiency ratio | 69.8838% | 2,902 |
| Assets per employee ($millions) | 5.5089% | 1,844 |
| Cash dividends to net income (ytd only)* | 41.2547% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,908 |
| Loan loss allowance to noncurrent loans | 5,611.7647% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 3,702 |
| Noncurrent loans to loans | 0.0224% | 5,299 |
| Net loans and leases to total assets | 61.7856% | 3,659 |
| Net loans and leases to deposits | 71.9588% | 3,809 |
| Net loans and leases to core deposits | 74.1756% | 3,984 |
| Total domestic deposits to total assets | 85.8625% | 2,427 |
| Equity capital to assets | 8.1497% | 5,686 |
| Core capital (leverage) ratio | 8.1338% | 5,624 |
| Tier 1 risk-based capital ratio | 12.3880% | 4,545 |
| Total risk-based capital ratio | 13.5890% | 4,486 |
| Memoranda: | ||
| Average total assets | $116,301,000 | 4,083 |
| Average earning assets | $105,811,500 | 4,106 |
| Average equity | $9,699,250 | 4,679 |
| Average total loans | $78,517,000 | 3,864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,094 |
| Cost of funding earning assets | 0.3874% | 3,178 |
| Net interest margin | 3.6550% | 2,873 |
| Noninterest income to average assets | 0.3122% | 4,542 |
| Noninterest expense to average assets | 2.4924% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7256% | 3,671 |
| Return on assets (ROA) | 0.7413% | 3,752 |
| Pretax return on assets | 1.1686% | 2,914 |
| Return on Equity (ROE) | 8.8174% | 2,579 |
| Retained earnings to average equity (ytd only) | 3.6307% | 3,582 |
| Net charge-offs to loans | 0.1864% | 1,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8649% | 2,476 |
| Efficiency ratio | 68.5372% | 3,238 |
| Assets per employee ($millions) | 5.0595% | 2,244 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,946 |
| Loan loss allowance to noncurrent loans | 5,611.7647% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 3,654 |
| Noncurrent loans to loans | 0.0227% | 5,380 |
| Net loans and leases to total assets | 66.5430% | 3,007 |
| Net loans and leases to deposits | 78.6738% | 3,089 |
| Net loans and leases to core deposits | 81.3614% | 3,331 |
| Total domestic deposits to total assets | 84.5809% | 3,059 |
| Equity capital to assets | 8.7234% | 5,464 |
| Core capital (leverage) ratio | 8.3362% | 5,503 |
| Tier 1 risk-based capital ratio | 12.3394% | 4,621 |
| Total risk-based capital ratio | 13.5581% | 4,564 |
| Memoranda: | ||
| Average total assets | $114,669,670 | 4,144 |
| Average earning assets | $104,295,000 | 4,168 |
| Average equity | $9,640,000 | 4,716 |
| Average total loans | $79,411,000 | 3,859 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,747 |
| Cost of funding earning assets | 0.3592% | 3,508 |
| Net interest margin | 3.7661% | 2,417 |
| Noninterest income to average assets | 0.2200% | 5,161 |
| Noninterest expense to average assets | 2.4031% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8076% | 3,202 |
| Return on assets (ROA) | 0.8389% | 3,173 |
| Pretax return on assets | 1.2892% | 2,354 |
| Return on Equity (ROE) | 10.1614% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.1614% | 816 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9434% | 3,814 |
| Assets per employee ($millions) | 5.2120% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 3,052 |
| Loan loss allowance to noncurrent loans | 131.7949% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 1,977 |
| Noncurrent loans to loans | 0.9644% | 2,450 |
| Net loans and leases to total assets | 69.6403% | 2,401 |
| Net loans and leases to deposits | 83.5798% | 2,357 |
| Net loans and leases to core deposits | 87.3102% | 2,630 |
| Total domestic deposits to total assets | 83.3219% | 3,783 |
| Equity capital to assets | 8.4917% | 5,571 |
| Core capital (leverage) ratio | 8.3376% | 5,532 |
| Tier 1 risk-based capital ratio | 11.6344% | 5,146 |
| Total risk-based capital ratio | 12.8639% | 5,069 |
| Memoranda: | ||
| Average total assets | $116,349,500 | 4,146 |
| Average earning assets | $105,785,500 | 4,164 |
| Average equity | $9,605,000 | 4,742 |
| Average total loans | $81,605,000 | 3,813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,657 |
| Cost of funding earning assets | 0.4187% | 2,958 |
| Net interest margin | 3.4944% | 3,544 |
| Noninterest income to average assets | 0.2332% | 5,197 |
| Noninterest expense to average assets | 2.4561% | 4,371 |
| Loan and lease loss provision to assets | 0.0681% | 2,932 |
| Net operating income to assets | 0.5702% | 4,419 |
| Return on assets (ROA) | 0.5702% | 4,508 |
| Pretax return on assets | 0.8842% | 3,909 |
| Return on Equity (ROE) | 7.2254% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.0686% | 2,367 |
| Net charge-offs to loans | -0.2470% | 5,987 |
| Credit loss provision to net charge-offs | -40.6091% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0599% | 2,902 |
| Assets per employee ($millions) | 5.3652% | 1,938 |
| Cash dividends to net income (ytd only)* | 29.8507% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,183 |
| Loan loss allowance to noncurrent loans | 161.3815% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 2,257 |
| Noncurrent loans to loans | 0.7737% | 2,855 |
| Net loans and leases to total assets | 68.8793% | 2,562 |
| Net loans and leases to deposits | 83.8431% | 2,378 |
| Net loans and leases to core deposits | 86.8248% | 2,714 |
| Total domestic deposits to total assets | 82.1526% | 4,131 |
| Equity capital to assets | 8.0257% | 5,843 |
| Core capital (leverage) ratio | 8.0077% | 5,835 |
| Tier 1 risk-based capital ratio | 10.8590% | 5,595 |
| Total risk-based capital ratio | 12.0360% | 5,545 |
| Memoranda: | ||
| Average total assets | $117,503,200 | 4,106 |
| Average earning assets | $106,771,400 | 4,122 |
| Average equity | $9,272,800 | 4,790 |
| Average total loans | $79,743,000 | 3,834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,692 |
| Cost of funding earning assets | 0.4172% | 3,038 |
| Net interest margin | 3.5015% | 3,525 |
| Noninterest income to average assets | 0.2351% | 5,247 |
| Noninterest expense to average assets | 2.4049% | 4,499 |
| Loan and lease loss provision to assets | 0.0909% | 2,354 |
| Net operating income to assets | 0.5964% | 4,401 |
| Return on assets (ROA) | 0.5964% | 4,502 |
| Pretax return on assets | 0.9235% | 3,905 |
| Return on Equity (ROE) | 7.5897% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.6984% | 3,128 |
| Net charge-offs to loans | -0.3287% | 6,100 |
| Credit loss provision to net charge-offs | -41.0256% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3322% | 3,159 |
| Assets per employee ($millions) | 5.3370% | 1,923 |
| Cash dividends to net income (ytd only)* | 38.0954% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,940 |
| Loan loss allowance to noncurrent loans | 136.8000% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 2,226 |
| Noncurrent loans to loans | 0.9742% | 2,542 |
| Net loans and leases to total assets | 64.6947% | 3,201 |
| Net loans and leases to deposits | 76.4639% | 3,250 |
| Net loans and leases to core deposits | 80.9187% | 3,350 |
| Total domestic deposits to total assets | 84.6082% | 3,173 |
| Equity capital to assets | 7.9804% | 5,962 |
| Core capital (leverage) ratio | 7.9505% | 5,928 |
| Tier 1 risk-based capital ratio | 11.3029% | 5,486 |
| Total risk-based capital ratio | 12.5446% | 5,394 |
| Memoranda: | ||
| Average total assets | $117,370,500 | 4,156 |
| Average earning assets | $106,732,000 | 4,164 |
| Average equity | $9,222,750 | 4,861 |
| Average total loans | $79,096,500 | 3,890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 3,438 |
| Cost of funding earning assets | 0.4473% | 2,763 |
| Net interest margin | 3.5146% | 3,441 |
| Noninterest income to average assets | 0.2403% | 5,236 |
| Noninterest expense to average assets | 2.3671% | 4,668 |
| Loan and lease loss provision to assets | 0.1023% | 2,131 |
| Net operating income to assets | 0.6254% | 4,235 |
| Return on assets (ROA) | 0.6254% | 4,347 |
| Pretax return on assets | 0.9714% | 3,691 |
| Return on Equity (ROE) | 8.0012% | 3,052 |
| Retained earnings to average equity (ytd only) | 3.6409% | 3,708 |
| Net charge-offs to loans | -0.4862% | 6,200 |
| Credit loss provision to net charge-offs | -30.9278% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7964% | 3,538 |
| Assets per employee ($millions) | 5.1886% | 2,047 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 3,213 |
| Loan loss allowance to noncurrent loans | 177.2487% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 2,649 |
| Noncurrent loans to loans | 0.7369% | 3,270 |
| Net loans and leases to total assets | 66.5283% | 2,863 |
| Net loans and leases to deposits | 79.9701% | 2,784 |
| Net loans and leases to core deposits | 85.8150% | 2,786 |
| Total domestic deposits to total assets | 83.1914% | 3,876 |
| Equity capital to assets | 8.0675% | 5,951 |
| Core capital (leverage) ratio | 7.8800% | 5,984 |
| Tier 1 risk-based capital ratio | 11.2525% | 5,598 |
| Total risk-based capital ratio | 12.4842% | 5,532 |
| Memoranda: | ||
| Average total assets | $117,356,330 | 4,201 |
| Average earning assets | $106,867,670 | 4,204 |
| Average equity | $9,173,670 | 4,905 |
| Average total loans | $79,800,000 | 3,891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 3,919 |
| Cost of funding earning assets | 0.4213% | 3,056 |
| Net interest margin | 3.3998% | 3,845 |
| Noninterest income to average assets | 0.2186% | 5,391 |
| Noninterest expense to average assets | 2.2428% | 5,032 |
| Loan and lease loss provision to assets | 0.1009% | 2,011 |
| Net operating income to assets | 0.6187% | 4,201 |
| Return on assets (ROA) | 0.6187% | 4,295 |
| Pretax return on assets | 0.9684% | 3,612 |
| Return on Equity (ROE) | 8.0384% | 2,940 |
| Retained earnings to average equity (ytd only) | 8.0384% | 1,558 |
| Net charge-offs to loans | -0.9554% | 6,316 |
| Credit loss provision to net charge-offs | -15.4639% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7157% | 3,876 |
| Assets per employee ($millions) | 5.0522% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 3,820 |
| Loan loss allowance to noncurrent loans | 5,131.5789% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 4,219 |
| Noncurrent loans to loans | 0.0238% | 5,710 |
| Net loans and leases to total assets | 67.7608% | 2,490 |
| Net loans and leases to deposits | 84.1704% | 2,049 |
| Net loans and leases to core deposits | 88.0177% | 2,331 |
| Total domestic deposits to total assets | 80.5043% | 4,932 |
| Equity capital to assets | 7.9793% | 6,040 |
| Core capital (leverage) ratio | 7.8909% | 5,994 |
| Tier 1 risk-based capital ratio | 10.8466% | 5,881 |
| Total risk-based capital ratio | 11.9963% | 5,846 |
| Memoranda: | ||
| Average total assets | $118,959,500 | 4,203 |
| Average earning assets | $108,242,000 | 4,210 |
| Average equity | $9,156,000 | 4,952 |
| Average total loans | $81,226,500 | 3,852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 5,043 |
| Cost of funding earning assets | 0.5297% | 2,391 |
| Net interest margin | 3.0863% | 5,240 |
| Noninterest income to average assets | 0.2549% | 5,312 |
| Noninterest expense to average assets | 2.5203% | 4,479 |
| Loan and lease loss provision to assets | 0.0460% | 3,655 |
| Net operating income to assets | 0.3384% | 5,410 |
| Return on assets (ROA) | 0.3384% | 5,481 |
| Pretax return on assets | 0.4880% | 5,280 |
| Return on Equity (ROE) | 4.5401% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,599 |
| Net charge-offs to loans | -0.0027% | 5,399 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5171% | 1,597 |
| Assets per employee ($millions) | 5.2921% | 1,973 |
| Cash dividends to net income (ytd only)* | 49.3827% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 5,455 |
| Loan loss allowance to noncurrent loans | 37,550.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 4,424 |
| Noncurrent loans to loans | 0.0024% | 5,926 |
| Net loans and leases to total assets | 67.3592% | 2,676 |
| Net loans and leases to deposits | 82.2918% | 2,437 |
| Net loans and leases to core deposits | 84.5509% | 2,839 |
| Total domestic deposits to total assets | 81.8541% | 4,474 |
| Equity capital to assets | 7.4269% | 6,250 |
| Core capital (leverage) ratio | 7.2190% | 6,268 |
| Tier 1 risk-based capital ratio | 10.1300% | 6,223 |
| Total risk-based capital ratio | 10.9740% | 6,285 |
| Memoranda: | ||
| Average total assets | $119,668,800 | 4,188 |
| Average earning assets | $108,544,800 | 4,217 |
| Average equity | $8,920,600 | 4,992 |
| Average total loans | $74,807,800 | 4,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 5,275 |
| Cost of funding earning assets | 0.5384% | 2,387 |
| Net interest margin | 3.0107% | 5,478 |
| Noninterest income to average assets | 0.2562% | 5,386 |
| Noninterest expense to average assets | 2.5423% | 4,387 |
| Loan and lease loss provision to assets | 0.0448% | 3,500 |
| Net operating income to assets | 0.2842% | 5,640 |
| Return on assets (ROA) | 0.2842% | 5,705 |
| Pretax return on assets | 0.3972% | 5,582 |
| Return on Equity (ROE) | 3.8091% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.8098% | 5,556 |
| Net charge-offs to loans | -0.0037% | 5,254 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1894% | 1,267 |
| Assets per employee ($millions) | 5.4989% | 1,727 |
| Cash dividends to net income (ytd only)* | 78.7397% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 5,207 |
| Loan loss allowance to noncurrent loans | 12,266.6667% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 4,704 |
| Noncurrent loans to loans | 0.0082% | 6,009 |
| Net loans and leases to total assets | 57.4786% | 4,139 |
| Net loans and leases to deposits | 68.1766% | 4,107 |
| Net loans and leases to core deposits | 69.6816% | 4,354 |
| Total domestic deposits to total assets | 84.3084% | 3,641 |
| Equity capital to assets | 7.0512% | 6,373 |
| Core capital (leverage) ratio | 7.5352% | 6,268 |
| Tier 1 risk-based capital ratio | 10.8124% | 6,088 |
| Total risk-based capital ratio | 11.7102% | 6,168 |
| Memoranda: | ||
| Average total assets | $119,156,250 | 4,235 |
| Average earning assets | $107,969,500 | 4,264 |
| Average equity | $8,890,750 | 5,038 |
| Average total loans | $72,824,750 | 4,126 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 5,034 |
| Cost of funding earning assets | 0.5762% | 2,105 |
| Net interest margin | 3.0656% | 5,357 |
| Noninterest income to average assets | 0.2605% | 5,332 |
| Noninterest expense to average assets | 2.7023% | 3,853 |
| Loan and lease loss provision to assets | 0.0428% | 3,458 |
| Net operating income to assets | 0.1851% | 5,879 |
| Return on assets (ROA) | 0.1851% | 5,927 |
| Pretax return on assets | 0.2776% | 5,825 |
| Return on Equity (ROE) | 2.4320% | 5,716 |
| Retained earnings to average equity (ytd only) | -2.0717% | 6,002 |
| Net charge-offs to loans | -0.0028% | 5,085 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3991% | 960 |
| Assets per employee ($millions) | 4.7396% | 2,552 |
| Cash dividends to net income (ytd only)* | 185.1852% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,174 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 4,643 |
| Noncurrent loans to loans | 0.0086% | 6,069 |
| Net loans and leases to total assets | 60.4677% | 3,641 |
| Net loans and leases to deposits | 74.1185% | 3,299 |
| Net loans and leases to core deposits | 75.5871% | 3,664 |
| Total domestic deposits to total assets | 81.5824% | 4,789 |
| Equity capital to assets | 7.7266% | 6,288 |
| Core capital (leverage) ratio | 7.6338% | 6,264 |
| Tier 1 risk-based capital ratio | 11.4228% | 5,846 |
| Total risk-based capital ratio | 12.3663% | 5,938 |
| Memoranda: | ||
| Average total assets | $116,716,670 | 4,313 |
| Average earning assets | $105,168,670 | 4,344 |
| Average equity | $8,881,670 | 5,058 |
| Average total loans | $72,622,330 | 4,144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 5,070 |
| Cost of funding earning assets | 0.5389% | 2,515 |
| Net interest margin | 3.0901% | 5,286 |
| Noninterest income to average assets | 0.2267% | 5,536 |
| Noninterest expense to average assets | 2.3587% | 5,043 |
| Loan and lease loss provision to assets | 0.0338% | 3,374 |
| Net operating income to assets | 0.4061% | 5,089 |
| Return on assets (ROA) | 0.4061% | 5,154 |
| Pretax return on assets | 0.6091% | 4,801 |
| Return on Equity (ROE) | 5.3763% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.3763% | 2,872 |
| Net charge-offs to loans | -0.0054% | 4,835 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5795% | 2,396 |
| Assets per employee ($millions) | 4.3299% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 5,590 |
| Loan loss allowance to noncurrent loans | 14,100.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 4,818 |
| Noncurrent loans to loans | 0.0070% | 6,164 |
| Net loans and leases to total assets | 60.7668% | 3,433 |
| Net loans and leases to deposits | 74.5795% | 2,997 |
| Net loans and leases to core deposits | 76.0160% | 3,408 |
| Total domestic deposits to total assets | 81.4791% | 5,100 |
| Equity capital to assets | 7.6857% | 6,237 |
| Core capital (leverage) ratio | 7.7234% | 6,261 |
| Tier 1 risk-based capital ratio | 11.1053% | 6,115 |
| Total risk-based capital ratio | 11.9821% | 6,225 |
| Memoranda: | ||
| Average total assets | $118,200,000 | 4,312 |
| Average earning assets | $106,145,000 | 4,359 |
| Average equity | $8,928,000 | 5,068 |
| Average total loans | $74,182,500 | 4,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 4,932 |
| Cost of funding earning assets | 0.6493% | 2,211 |
| Net interest margin | 3.1145% | 5,272 |
| Noninterest income to average assets | 0.2670% | 5,437 |
| Noninterest expense to average assets | 2.6042% | 4,448 |
| Loan and lease loss provision to assets | 0.0468% | 4,188 |
| Net operating income to assets | 0.2876% | 5,565 |
| Return on assets (ROA) | 0.2925% | 5,643 |
| Pretax return on assets | 0.4124% | 5,469 |
| Return on Equity (ROE) | 3.8874% | 5,165 |
| Retained earnings to average equity (ytd only) | 1.6273% | 5,057 |
| Net charge-offs to loans | 0.1052% | 3,779 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 6.9091% | 2,953 |
| Efficiency ratio | 85.2017% | 1,501 |
| Assets per employee ($millions) | 4.4257% | 3,036 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 5,907 |
| Loan loss allowance to noncurrent loans | 13,880.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 4,962 |
| Noncurrent loans to loans | 0.0065% | 6,279 |
| Net loans and leases to total assets | 63.5396% | 3,126 |
| Net loans and leases to deposits | 77.8329% | 2,743 |
| Net loans and leases to core deposits | 79.2961% | 3,206 |
| Total domestic deposits to total assets | 81.6359% | 4,996 |
| Equity capital to assets | 7.4238% | 6,318 |
| Core capital (leverage) ratio | 7.3500% | 6,428 |
| Tier 1 risk-based capital ratio | 10.4229% | 6,393 |
| Total risk-based capital ratio | 11.2440% | 6,484 |
| Memoranda: | ||
| Average total assets | $117,616,800 | 4,325 |
| Average earning assets | $105,347,400 | 4,380 |
| Average equity | $8,849,000 | 5,126 |
| Average total loans | $73,180,600 | 4,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,898 |
| Cost of funding earning assets | 0.6546% | 2,324 |
| Net interest margin | 3.1332% | 5,220 |
| Noninterest income to average assets | 0.2697% | 5,519 |
| Noninterest expense to average assets | 2.5802% | 4,460 |
| Loan and lease loss provision to assets | 0.0455% | 4,101 |
| Net operating income to assets | 0.3113% | 5,582 |
| Return on assets (ROA) | 0.3175% | 5,666 |
| Pretax return on assets | 0.4587% | 5,478 |
| Return on Equity (ROE) | 4.2064% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.1910% | 5,503 |
| Net charge-offs to loans | 0.1475% | 3,067 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 5.4377% | 3,190 |
| Efficiency ratio | 83.9008% | 1,611 |
| Assets per employee ($millions) | 4.5881% | 2,737 |
| Cash dividends to net income (ytd only)* | 71.6847% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 5,912 |
| Loan loss allowance to noncurrent loans | 13,520.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 5,127 |
| Noncurrent loans to loans | 0.0070% | 6,362 |
| Net loans and leases to total assets | 56.7534% | 4,211 |
| Net loans and leases to deposits | 69.1386% | 3,916 |
| Net loans and leases to core deposits | 70.3437% | 4,288 |
| Total domestic deposits to total assets | 82.0864% | 4,898 |
| Equity capital to assets | 7.1046% | 6,521 |
| Core capital (leverage) ratio | 7.6579% | 6,385 |
| Tier 1 risk-based capital ratio | 11.0121% | 6,277 |
| Total risk-based capital ratio | 11.8633% | 6,389 |
| Memoranda: | ||
| Average total assets | $117,147,500 | 4,375 |
| Average earning assets | $104,896,250 | 4,430 |
| Average equity | $8,843,500 | 5,180 |
| Average total loans | $72,320,750 | 4,213 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 4,366 |
| Cost of funding earning assets | 0.6903% | 2,142 |
| Net interest margin | 3.2372% | 4,816 |
| Noninterest income to average assets | 0.2715% | 5,512 |
| Noninterest expense to average assets | 2.7432% | 3,880 |
| Loan and lease loss provision to assets | 0.0435% | 4,094 |
| Net operating income to assets | 0.2635% | 5,732 |
| Return on assets (ROA) | 0.2733% | 5,835 |
| Pretax return on assets | 0.3882% | 5,662 |
| Return on Equity (ROE) | 3.5450% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.5450% | 4,064 |
| Net charge-offs to loans | -0.0934% | 6,485 |
| Credit loss provision to net charge-offs | -73.5294% | 5,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7841% | 1,338 |
| Assets per employee ($millions) | 4.0419% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,221 |
| Loan loss allowance to noncurrent loans | 1,383.9286% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 4,194 |
| Noncurrent loans to loans | 0.0834% | 6,144 |
| Net loans and leases to total assets | 60.8370% | 3,513 |
| Net loans and leases to deposits | 76.5705% | 2,790 |
| Net loans and leases to core deposits | 80.4937% | 2,978 |
| Total domestic deposits to total assets | 79.4522% | 5,724 |
| Equity capital to assets | 8.0710% | 6,153 |
| Core capital (leverage) ratio | 7.9555% | 6,215 |
| Tier 1 risk-based capital ratio | 11.6724% | 6,012 |
| Total risk-based capital ratio | 12.6978% | 6,100 |
| Memoranda: | ||
| Average total assets | $114,904,000 | 4,467 |
| Average earning assets | $102,558,670 | 4,504 |
| Average equity | $8,857,670 | 5,211 |
| Average total loans | $72,767,330 | 4,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 4,321 |
| Cost of funding earning assets | 0.6532% | 2,624 |
| Net interest margin | 3.2889% | 4,556 |
| Noninterest income to average assets | 0.2343% | 5,781 |
| Noninterest expense to average assets | 2.5333% | 4,638 |
| Loan and lease loss provision to assets | 0.0340% | 4,018 |
| Net operating income to assets | 0.3831% | 5,197 |
| Return on assets (ROA) | 0.4007% | 5,272 |
| Pretax return on assets | 0.6180% | 4,879 |
| Return on Equity (ROE) | 5.3138% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.3138% | 3,047 |
| Net charge-offs to loans | -0.3388% | 6,798 |
| Credit loss provision to net charge-offs | -15.6250% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2151% | 2,303 |
| Assets per employee ($millions) | 4.1780% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 5,579 |
| Loan loss allowance to noncurrent loans | 93.8242% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 4,446 |
| Noncurrent loans to loans | 1.1796% | 3,803 |
| Net loans and leases to total assets | 62.5773% | 2,957 |
| Net loans and leases to deposits | 78.4414% | 2,282 |
| Net loans and leases to core deposits | 79.9563% | 2,811 |
| Total domestic deposits to total assets | 79.7759% | 5,804 |
| Equity capital to assets | 7.9251% | 6,420 |
| Core capital (leverage) ratio | 7.6808% | 6,365 |
| Tier 1 risk-based capital ratio | 11.0456% | 6,384 |
| Total risk-based capital ratio | 12.0391% | 6,462 |
| Memoranda: | ||
| Average total assets | $117,790,500 | 4,446 |
| Average earning assets | $104,716,000 | 4,500 |
| Average equity | $8,882,500 | 5,245 |
| Average total loans | $75,567,500 | 4,146 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 4,469 |
| Cost of funding earning assets | 0.8626% | 2,197 |
| Net interest margin | 3.3696% | 5,000 |
| Noninterest income to average assets | 0.2757% | 5,488 |
| Noninterest expense to average assets | 2.6712% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4851% | 4,744 |
| Return on assets (ROA) | 0.4851% | 4,998 |
| Pretax return on assets | 0.5937% | 5,011 |
| Return on Equity (ROE) | 6.4462% | 3,937 |
| Retained earnings to average equity (ytd only) | 0.5496% | 5,577 |
| Net charge-offs to loans | 0.1112% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.5062% | 2,396 |
| Efficiency ratio | 81.8158% | 1,890 |
| Assets per employee ($millions) | 4.5472% | 2,886 |
| Cash dividends to net income (ytd only)* | 91.4742% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,271 |
| Loan loss allowance to noncurrent loans | 80.0895% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 4,588 |
| Noncurrent loans to loans | 1.1209% | 3,967 |
| Net loans and leases to total assets | 64.3763% | 2,830 |
| Net loans and leases to deposits | 79.3881% | 2,364 |
| Net loans and leases to core deposits | 80.9766% | 2,885 |
| Total domestic deposits to total assets | 81.0906% | 5,379 |
| Equity capital to assets | 7.1879% | 6,726 |
| Core capital (leverage) ratio | 7.2722% | 6,600 |
| Tier 1 risk-based capital ratio | 9.9108% | 6,724 |
| Total risk-based capital ratio | 10.7297% | 6,799 |
| Memoranda: | ||
| Average total assets | $116,051,800 | 4,437 |
| Average earning assets | $102,948,800 | 4,514 |
| Average equity | $8,733,800 | 5,292 |
| Average total loans | $72,848,800 | 4,239 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 4,300 |
| Cost of funding earning assets | 0.8915% | 2,229 |
| Net interest margin | 3.4470% | 4,853 |
| Noninterest income to average assets | 0.2751% | 5,581 |
| Noninterest expense to average assets | 2.7361% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5211% | 4,754 |
| Return on assets (ROA) | 0.5211% | 5,019 |
| Pretax return on assets | 0.6085% | 5,136 |
| Return on Equity (ROE) | 6.8418% | 3,890 |
| Retained earnings to average equity (ytd only) | -1.0408% | 6,283 |
| Net charge-offs to loans | 0.0337% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.9992% | 1,125 |
| Efficiency ratio | 81.8055% | 1,832 |
| Assets per employee ($millions) | 4.3649% | 3,139 |
| Cash dividends to net income (ytd only)* | 115.2117% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 5,526 |
| Loan loss allowance to noncurrent loans | 73.7689% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0598% | 4,167 |
| Noncurrent loans to loans | 1.5570% | 3,447 |
| Net loans and leases to total assets | 56.8888% | 4,314 |
| Net loans and leases to deposits | 71.0197% | 3,748 |
| Net loans and leases to core deposits | 73.6132% | 4,026 |
| Total domestic deposits to total assets | 80.1028% | 5,626 |
| Equity capital to assets | 7.4111% | 6,788 |
| Core capital (leverage) ratio | 7.3935% | 6,673 |
| Tier 1 risk-based capital ratio | 11.1904% | 6,399 |
| Total risk-based capital ratio | 12.2099% | 6,478 |
| Memoranda: | ||
| Average total assets | $114,371,000 | 4,524 |
| Average earning assets | $101,845,750 | 4,598 |
| Average equity | $8,711,000 | 5,348 |
| Average total loans | $71,122,500 | 4,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,993 |
| Cost of funding earning assets | 0.9259% | 2,217 |
| Net interest margin | 3.5210% | 4,591 |
| Noninterest income to average assets | 0.2774% | 5,590 |
| Noninterest expense to average assets | 2.7312% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6254% | 4,248 |
| Return on assets (ROA) | 0.6254% | 4,495 |
| Pretax return on assets | 0.6766% | 4,895 |
| Return on Equity (ROE) | 8.1348% | 3,202 |
| Retained earnings to average equity (ytd only) | -3.6997% | 6,529 |
| Net charge-offs to loans | 0.0498% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 21.2778% | 1,351 |
| Efficiency ratio | 80.1452% | 2,148 |
| Assets per employee ($millions) | 4.2273% | 3,410 |
| Cash dividends to net income (ytd only)* | 145.4802% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 6,369 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.0167% | 3,623 |
| Net loans and leases to deposits | 76.7194% | 2,885 |
| Net loans and leases to core deposits | 80.1238% | 3,199 |
| Total domestic deposits to total assets | 79.5323% | 5,853 |
| Equity capital to assets | 7.5655% | 6,775 |
| Core capital (leverage) ratio | 7.5718% | 6,586 |
| Tier 1 risk-based capital ratio | 11.0630% | 6,466 |
| Total risk-based capital ratio | 12.0822% | 6,548 |
| Memoranda: | ||
| Average total assets | $113,211,000 | 4,585 |
| Average earning assets | $100,653,670 | 4,654 |
| Average equity | $8,703,330 | 5,352 |
| Average total loans | $72,222,330 | 4,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 3,911 |
| Cost of funding earning assets | 0.9690% | 2,166 |
| Net interest margin | 3.5315% | 4,564 |
| Noninterest income to average assets | 0.2448% | 5,886 |
| Noninterest expense to average assets | 2.6537% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7131% | 3,817 |
| Return on assets (ROA) | 0.7131% | 4,034 |
| Pretax return on assets | 0.7202% | 4,729 |
| Return on Equity (ROE) | 9.2017% | 2,731 |
| Retained earnings to average equity (ytd only) | -11.0329% | 6,868 |
| Net charge-offs to loans | -0.0985% | 6,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6540% | 2,407 |
| Assets per employee ($millions) | 4.1111% | 3,769 |
| Cash dividends to net income (ytd only)* | 219.9005% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 5,745 |
| Loan loss allowance to noncurrent loans | 7,409.0909% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 6,422 |
| Noncurrent loans to loans | 0.0154% | 6,746 |
| Net loans and leases to total assets | 63.5486% | 2,937 |
| Net loans and leases to deposits | 78.8621% | 2,359 |
| Net loans and leases to core deposits | 83.0838% | 2,671 |
| Total domestic deposits to total assets | 80.5820% | 5,706 |
| Equity capital to assets | 7.7577% | 6,655 |
| Core capital (leverage) ratio | 7.5135% | 6,623 |
| Tier 1 risk-based capital ratio | 10.9429% | 6,564 |
| Total risk-based capital ratio | 12.0075% | 6,629 |
| Memoranda: | ||
| Average total assets | $112,748,500 | 4,632 |
| Average earning assets | $99,899,500 | 4,698 |
| Average equity | $8,737,500 | 5,350 |
| Average total loans | $73,123,000 | 4,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 4,154 |
| Cost of funding earning assets | 1.1982% | 2,035 |
| Net interest margin | 3.5248% | 5,047 |
| Noninterest income to average assets | 0.3676% | 4,880 |
| Noninterest expense to average assets | 2.8864% | 4,011 |
| Loan and lease loss provision to assets | 0.0459% | 6,002 |
| Net operating income to assets | 0.5964% | 4,014 |
| Return on assets (ROA) | 0.5964% | 4,201 |
| Pretax return on assets | 0.5982% | 4,701 |
| Return on Equity (ROE) | 7.4538% | 3,172 |
| Retained earnings to average equity (ytd only) | -0.3905% | 5,914 |
| Net charge-offs to loans | 0.0150% | 6,229 |
| Credit loss provision to net charge-offs | 454.5455% | 496 |
| Earnings coverage of net charge-offs (x) | 63.7273% | 466 |
| Efficiency ratio | 81.7543% | 2,056 |
| Assets per employee ($millions) | 4.2406% | 3,392 |
| Cash dividends to net income (ytd only)* | 105.2388% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 5,945 |
| Loan loss allowance to noncurrent loans | 1,306.5574% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 6,495 |
| Noncurrent loans to loans | 0.0815% | 6,605 |
| Net loans and leases to total assets | 64.7135% | 3,040 |
| Net loans and leases to deposits | 79.6421% | 2,588 |
| Net loans and leases to core deposits | 84.4455% | 2,827 |
| Total domestic deposits to total assets | 81.2554% | 5,372 |
| Equity capital to assets | 7.7417% | 6,714 |
| Core capital (leverage) ratio | 7.2494% | 6,768 |
| Tier 1 risk-based capital ratio | 10.7388% | 6,586 |
| Total risk-based capital ratio | 11.7319% | 6,671 |
| Memoranda: | ||
| Average total assets | $108,821,000 | 4,671 |
| Average earning assets | $97,649,800 | 4,697 |
| Average equity | $8,707,000 | 5,356 |
| Average total loans | $73,464,600 | 4,365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 3,871 |
| Cost of funding earning assets | 1.2442% | 2,031 |
| Net interest margin | 3.5878% | 4,822 |
| Noninterest income to average assets | 0.3786% | 4,828 |
| Noninterest expense to average assets | 2.8788% | 4,018 |
| Loan and lease loss provision to assets | 0.0621% | 5,671 |
| Net operating income to assets | 0.6642% | 3,801 |
| Return on assets (ROA) | 0.6642% | 3,974 |
| Pretax return on assets | 0.6666% | 4,590 |
| Return on Equity (ROE) | 8.2296% | 2,946 |
| Retained earnings to average equity (ytd only) | -2.2766% | 6,333 |
| Net charge-offs to loans | 0.0128% | 5,970 |
| Credit loss provision to net charge-offs | 714.2857% | 377 |
| Earnings coverage of net charge-offs (x) | 83.8853% | 431 |
| Efficiency ratio | 79.8004% | 2,281 |
| Assets per employee ($millions) | 4.0735% | 3,692 |
| Cash dividends to net income (ytd only)* | 127.6622% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,659 |
| Loan loss allowance to noncurrent loans | 376.0563% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 6,519 |
| Noncurrent loans to loans | 0.3071% | 6,234 |
| Net loans and leases to total assets | 62.3382% | 3,643 |
| Net loans and leases to deposits | 77.7576% | 3,035 |
| Net loans and leases to core deposits | 83.0008% | 3,191 |
| Total domestic deposits to total assets | 80.1698% | 5,684 |
| Equity capital to assets | 7.9875% | 6,701 |
| Core capital (leverage) ratio | 7.9872% | 6,414 |
| Tier 1 risk-based capital ratio | 11.3723% | 6,315 |
| Total risk-based capital ratio | 12.4435% | 6,415 |
| Memoranda: | ||
| Average total assets | $107,402,000 | 4,730 |
| Average earning assets | $96,658,750 | 4,750 |
| Average equity | $8,667,750 | 5,395 |
| Average total loans | $73,107,750 | 4,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 3,315 |
| Cost of funding earning assets | 1.2873% | 2,020 |
| Net interest margin | 3.6830% | 4,345 |
| Noninterest income to average assets | 0.4074% | 4,620 |
| Noninterest expense to average assets | 2.9115% | 3,977 |
| Loan and lease loss provision to assets | 0.0939% | 5,155 |
| Net operating income to assets | 0.7227% | 3,429 |
| Return on assets (ROA) | 0.7227% | 3,548 |
| Pretax return on assets | 0.7265% | 4,290 |
| Return on Equity (ROE) | 8.9237% | 2,549 |
| Retained earnings to average equity (ytd only) | -5.9337% | 6,648 |
| Net charge-offs to loans | 0.0188% | 5,575 |
| Credit loss provision to net charge-offs | 714.2857% | 448 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 527 |
| Efficiency ratio | 78.0181% | 2,709 |
| Assets per employee ($millions) | 3.9613% | 3,840 |
| Cash dividends to net income (ytd only)* | 166.4935% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,626 |
| Loan loss allowance to noncurrent loans | 165.4959% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 5,968 |
| Noncurrent loans to loans | 0.7144% | 5,480 |
| Net loans and leases to total assets | 62.5970% | 3,772 |
| Net loans and leases to deposits | 77.8805% | 3,140 |
| Net loans and leases to core deposits | 83.3800% | 3,312 |
| Total domestic deposits to total assets | 80.3757% | 5,720 |
| Equity capital to assets | 8.0988% | 6,601 |
| Core capital (leverage) ratio | 8.0748% | 6,203 |
| Tier 1 risk-based capital ratio | 11.5146% | 6,160 |
| Total risk-based capital ratio | 12.6130% | 6,265 |
| Memoranda: | ||
| Average total assets | $106,541,330 | 4,790 |
| Average earning assets | $96,171,000 | 4,809 |
| Average equity | $8,628,670 | 5,420 |
| Average total loans | $74,356,000 | 4,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 2,765 |
| Cost of funding earning assets | 1.3264% | 2,030 |
| Net interest margin | 3.7463% | 3,861 |
| Noninterest income to average assets | 0.4589% | 4,197 |
| Noninterest expense to average assets | 2.9981% | 3,650 |
| Loan and lease loss provision to assets | 0.0752% | 5,061 |
| Net operating income to assets | 0.7674% | 3,186 |
| Return on assets (ROA) | 0.7674% | 3,258 |
| Pretax return on assets | 0.7749% | 3,994 |
| Return on Equity (ROE) | 9.4752% | 2,287 |
| Retained earnings to average equity (ytd only) | -9.1036% | 6,823 |
| Net charge-offs to loans | 0.0412% | 4,538 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 864 |
| Efficiency ratio | 77.9081% | 2,859 |
| Assets per employee ($millions) | 3.9944% | 3,846 |
| Cash dividends to net income (ytd only)* | 196.0784% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,360 |
| Loan loss allowance to noncurrent loans | 137.2549% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 5,880 |
| Noncurrent loans to loans | 0.7350% | 5,542 |
| Net loans and leases to total assets | 70.0572% | 2,113 |
| Net loans and leases to deposits | 86.4396% | 1,658 |
| Net loans and leases to core deposits | 93.2629% | 1,980 |
| Total domestic deposits to total assets | 81.0476% | 5,640 |
| Equity capital to assets | 7.8990% | 6,598 |
| Core capital (leverage) ratio | 7.8062% | 6,459 |
| Tier 1 risk-based capital ratio | 10.5276% | 6,792 |
| Total risk-based capital ratio | 11.4861% | 6,912 |
| Memoranda: | ||
| Average total assets | $106,335,000 | 4,828 |
| Average earning assets | $96,201,500 | 4,847 |
| Average equity | $8,612,000 | 5,434 |
| Average total loans | $77,658,500 | 4,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 2,090 |
| Cost of funding earning assets | 1.5208% | 2,525 |
| Net interest margin | 4.0275% | 2,897 |
| Noninterest income to average assets | 0.5962% | 3,499 |
| Noninterest expense to average assets | 3.1993% | 3,096 |
| Loan and lease loss provision to assets | 0.1154% | 6,003 |
| Net operating income to assets | 0.8703% | 2,504 |
| Return on assets (ROA) | 0.8703% | 2,643 |
| Pretax return on assets | 0.8722% | 3,399 |
| Return on Equity (ROE) | 10.7327% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.9889% | 1,823 |
| Net charge-offs to loans | 0.0347% | 6,454 |
| Credit loss provision to net charge-offs | 444.4444% | 516 |
| Earnings coverage of net charge-offs (x) | 38.0370% | 608 |
| Efficiency ratio | 76.4125% | 2,984 |
| Assets per employee ($millions) | 3.6145% | 4,661 |
| Cash dividends to net income (ytd only)* | 44.1989% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,534 |
| Loan loss allowance to noncurrent loans | 144.3810% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,986 |
| Noncurrent loans to loans | 0.6646% | 5,717 |
| Net loans and leases to total assets | 74.6349% | 1,551 |
| Net loans and leases to deposits | 92.6229% | 1,190 |
| Net loans and leases to core deposits | 100.8495% | 1,549 |
| Total domestic deposits to total assets | 80.5793% | 5,665 |
| Equity capital to assets | 8.3046% | 6,142 |
| Core capital (leverage) ratio | 8.1206% | 5,974 |
| Tier 1 risk-based capital ratio | 10.3849% | 6,772 |
| Total risk-based capital ratio | 11.2946% | 6,952 |
| Memoranda: | ||
| Average total assets | $103,991,200 | 4,870 |
| Average earning assets | $92,712,000 | 4,926 |
| Average equity | $8,432,200 | 5,573 |
| Average total loans | $77,760,600 | 4,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 1,928 |
| Cost of funding earning assets | 1.5475% | 2,691 |
| Net interest margin | 4.0878% | 2,680 |
| Noninterest income to average assets | 0.5999% | 3,435 |
| Noninterest expense to average assets | 3.1372% | 3,154 |
| Loan and lease loss provision to assets | 0.1156% | 5,871 |
| Net operating income to assets | 0.9789% | 2,303 |
| Return on assets (ROA) | 0.9789% | 2,423 |
| Pretax return on assets | 0.9815% | 3,249 |
| Return on Equity (ROE) | 12.1469% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.7706% | 2,500 |
| Net charge-offs to loans | 0.0275% | 6,290 |
| Credit loss provision to net charge-offs | 562.5000% | 513 |
| Earnings coverage of net charge-offs (x) | 53.3821% | 542 |
| Efficiency ratio | 74.0898% | 3,316 |
| Assets per employee ($millions) | 3.5581% | 4,832 |
| Cash dividends to net income (ytd only)* | 52.4937% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,499 |
| Loan loss allowance to noncurrent loans | 131.2611% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 6,013 |
| Noncurrent loans to loans | 0.7431% | 5,721 |
| Net loans and leases to total assets | 72.7109% | 2,072 |
| Net loans and leases to deposits | 90.6724% | 1,630 |
| Net loans and leases to core deposits | 98.6665% | 1,972 |
| Total domestic deposits to total assets | 80.1907% | 5,640 |
| Equity capital to assets | 8.3928% | 6,402 |
| Core capital (leverage) ratio | 8.2906% | 5,889 |
| Tier 1 risk-based capital ratio | 10.5891% | 6,717 |
| Total risk-based capital ratio | 11.5086% | 6,916 |
| Memoranda: | ||
| Average total assets | $103,783,750 | 4,938 |
| Average earning assets | $92,272,500 | 5,003 |
| Average equity | $8,364,000 | 5,670 |
| Average total loans | $77,453,000 | 4,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 1,955 |
| Cost of funding earning assets | 1.5543% | 2,937 |
| Net interest margin | 4.0929% | 2,592 |
| Noninterest income to average assets | 0.6213% | 3,184 |
| Noninterest expense to average assets | 3.1486% | 3,101 |
| Loan and lease loss provision to assets | 0.1154% | 5,748 |
| Net operating income to assets | 1.0002% | 2,205 |
| Return on assets (ROA) | 1.0002% | 2,279 |
| Pretax return on assets | 1.0040% | 3,103 |
| Return on Equity (ROE) | 12.5827% | 1,333 |
| Retained earnings to average equity (ytd only) | 2.9037% | 4,290 |
| Net charge-offs to loans | -0.0051% | 7,116 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7720% | 3,516 |
| Assets per employee ($millions) | 3.5726% | 4,748 |
| Cash dividends to net income (ytd only)* | 76.9231% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 6,631 |
| Loan loss allowance to noncurrent loans | 113.0638% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,879 |
| Noncurrent loans to loans | 0.8311% | 5,619 |
| Net loans and leases to total assets | 73.9704% | 1,913 |
| Net loans and leases to deposits | 90.8420% | 1,718 |
| Net loans and leases to core deposits | 98.6789% | 2,155 |
| Total domestic deposits to total assets | 81.4275% | 5,229 |
| Equity capital to assets | 8.1164% | 6,636 |
| Core capital (leverage) ratio | 8.0586% | 6,183 |
| Tier 1 risk-based capital ratio | 10.2011% | 6,916 |
| Total risk-based capital ratio | 11.0981% | 7,086 |
| Memoranda: | ||
| Average total assets | $103,983,670 | 4,966 |
| Average earning assets | $92,647,330 | 5,029 |
| Average equity | $8,265,330 | 5,709 |
| Average total loans | $78,015,670 | 4,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 1,868 |
| Cost of funding earning assets | 1.5634% | 3,181 |
| Net interest margin | 4.1127% | 2,387 |
| Noninterest income to average assets | 0.6144% | 3,173 |
| Noninterest expense to average assets | 3.1064% | 3,237 |
| Loan and lease loss provision to assets | 0.1152% | 5,456 |
| Net operating income to assets | 1.0214% | 2,107 |
| Return on assets (ROA) | 1.0214% | 2,165 |
| Pretax return on assets | 1.0291% | 2,973 |
| Return on Equity (ROE) | 12.9859% | 1,258 |
| Retained earnings to average equity (ytd only) | -6.5418% | 6,693 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0804% | 3,743 |
| Assets per employee ($millions) | 3.4006% | 5,292 |
| Cash dividends to net income (ytd only)* | 150.3759% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 6,876 |
| Loan loss allowance to noncurrent loans | 202.6239% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 6,576 |
| Noncurrent loans to loans | 0.4376% | 6,424 |
| Net loans and leases to total assets | 76.1452% | 1,510 |
| Net loans and leases to deposits | 92.9432% | 1,482 |
| Net loans and leases to core deposits | 100.3682% | 2,089 |
| Total domestic deposits to total assets | 81.9265% | 5,105 |
| Equity capital to assets | 7.9614% | 6,699 |
| Core capital (leverage) ratio | 7.7234% | 6,597 |
| Tier 1 risk-based capital ratio | 9.7138% | 7,202 |
| Total risk-based capital ratio | 10.5562% | 7,389 |
| Memoranda: | ||
| Average total assets | $104,173,000 | 5,027 |
| Average earning assets | $92,105,500 | 5,101 |
| Average equity | $8,193,500 | 5,774 |
| Average total loans | $78,341,500 | 4,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 3,896 |
| Cost of funding earning assets | 1.8737% | 3,604 |
| Net interest margin | 3.6728% | 4,248 |
| Noninterest income to average assets | 0.5385% | 4,119 |
| Noninterest expense to average assets | 3.0913% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7170% | 2,869 |
| Return on assets (ROA) | 0.7170% | 2,939 |
| Pretax return on assets | 0.7190% | 3,510 |
| Return on Equity (ROE) | 8.9700% | 2,036 |
| Retained earnings to average equity (ytd only) | -0.8064% | 5,206 |
| Net charge-offs to loans | 0.5468% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.7726% | 4,395 |
| Efficiency ratio | 81.1296% | 2,727 |
| Assets per employee ($millions) | 3.5443% | 4,909 |
| Cash dividends to net income (ytd only)* | 108.9903% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 6,985 |
| Loan loss allowance to noncurrent loans | 355.6150% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,966 |
| Noncurrent loans to loans | 0.2388% | 6,835 |
| Net loans and leases to total assets | 73.0205% | 2,507 |
| Net loans and leases to deposits | 87.9597% | 2,558 |
| Net loans and leases to core deposits | 97.4875% | 4,284 |
| Total domestic deposits to total assets | 83.0159% | 4,514 |
| Equity capital to assets | 7.7730% | 6,793 |
| Core capital (leverage) ratio | 7.7835% | 6,474 |
| Tier 1 risk-based capital ratio | 9.7267% | 7,076 |
| Total risk-based capital ratio | 10.5206% | 7,343 |
| Memoranda: | ||
| Average total assets | $100,830,600 | 5,073 |
| Average earning assets | $89,823,000 | 5,126 |
| Average equity | $8,060,200 | 5,904 |
| Average total loans | $74,801,400 | 4,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5341% | 4,246 |
| Cost of funding earning assets | 1.9136% | 3,806 |
| Net interest margin | 3.6205% | 4,406 |
| Noninterest income to average assets | 0.5456% | 4,114 |
| Noninterest expense to average assets | 3.1236% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6609% | 3,348 |
| Return on assets (ROA) | 0.6609% | 3,413 |
| Pretax return on assets | 0.6636% | 3,973 |
| Return on Equity (ROE) | 8.2073% | 2,558 |
| Retained earnings to average equity (ytd only) | -4.9110% | 6,244 |
| Net charge-offs to loans | 0.8098% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.1024% | 4,959 |
| Efficiency ratio | 82.4779% | 2,512 |
| Assets per employee ($millions) | 3.2724% | 5,462 |
| Cash dividends to net income (ytd only)* | 159.8369% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 6,921 |
| Loan loss allowance to noncurrent loans | 69.2137% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 5,181 |
| Noncurrent loans to loans | 1.2440% | 4,865 |
| Net loans and leases to total assets | 73.3020% | 2,710 |
| Net loans and leases to deposits | 89.0465% | 2,774 |
| Net loans and leases to core deposits | 98.9495% | 4,490 |
| Total domestic deposits to total assets | 82.3188% | 4,535 |
| Equity capital to assets | 8.1928% | 6,650 |
| Core capital (leverage) ratio | 8.1362% | 6,127 |
| Tier 1 risk-based capital ratio | 10.1859% | 6,795 |
| Total risk-based capital ratio | 10.9898% | 7,164 |
| Memoranda: | ||
| Average total assets | $99,456,000 | 5,134 |
| Average earning assets | $89,045,750 | 5,192 |
| Average equity | $8,009,000 | 5,975 |
| Average total loans | $73,925,000 | 4,776 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 4,350 |
| Cost of funding earning assets | 1.9587% | 3,962 |
| Net interest margin | 3.5880% | 4,417 |
| Noninterest income to average assets | 0.5446% | 4,076 |
| Noninterest expense to average assets | 3.0816% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6868% | 3,312 |
| Return on assets (ROA) | 0.6868% | 3,425 |
| Pretax return on assets | 0.6908% | 4,031 |
| Return on Equity (ROE) | 8.5775% | 2,528 |
| Retained earnings to average equity (ytd only) | -11.1282% | 6,978 |
| Net charge-offs to loans | 1.2075% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.7684% | 4,962 |
| Efficiency ratio | 81.6879% | 2,765 |
| Assets per employee ($millions) | 3.1162% | 5,818 |
| Cash dividends to net income (ytd only)* | 229.7376% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,867 |
| Loan loss allowance to noncurrent loans | 60.5620% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 4,694 |
| Noncurrent loans to loans | 1.4476% | 4,327 |
| Net loans and leases to total assets | 75.5867% | 2,292 |
| Net loans and leases to deposits | 92.4933% | 2,373 |
| Net loans and leases to core deposits | 103.6631% | 4,097 |
| Total domestic deposits to total assets | 81.7213% | 4,810 |
| Equity capital to assets | 8.4087% | 6,177 |
| Core capital (leverage) ratio | 8.1089% | 6,146 |
| Tier 1 risk-based capital ratio | 10.3016% | 6,592 |
| Total risk-based capital ratio | 11.1304% | 6,992 |
| Memoranda: | ||
| Average total assets | $99,884,000 | 5,165 |
| Average earning assets | $89,855,330 | 5,206 |
| Average equity | $7,997,670 | 6,024 |
| Average total loans | $74,371,000 | 4,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 5,246 |
| Cost of funding earning assets | 1.9912% | 4,179 |
| Net interest margin | 3.4447% | 4,960 |
| Noninterest income to average assets | 0.4850% | 4,459 |
| Noninterest expense to average assets | 2.8715% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7140% | 3,483 |
| Return on assets (ROA) | 0.7140% | 3,682 |
| Pretax return on assets | 0.7217% | 4,350 |
| Return on Equity (ROE) | 9.1247% | 2,658 |
| Retained earnings to average equity (ytd only) | -25.5889% | 7,778 |
| Net charge-offs to loans | 2.1498% | 667 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.4559% | 4,626 |
| Efficiency ratio | 79.9136% | 2,838 |
| Assets per employee ($millions) | 3.3296% | 5,253 |
| Cash dividends to net income (ytd only)* | 380.4348% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 6,972 |
| Loan loss allowance to noncurrent loans | 75.3968% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 4,919 |
| Noncurrent loans to loans | 1.1268% | 4,729 |
| Net loans and leases to total assets | 77.6972% | 1,895 |
| Net loans and leases to deposits | 97.4070% | 1,753 |
| Net loans and leases to core deposits | 108.5226% | 3,614 |
| Total domestic deposits to total assets | 79.7655% | 5,446 |
| Equity capital to assets | 7.7967% | 7,076 |
| Core capital (leverage) ratio | 7.6587% | 6,940 |
| Tier 1 risk-based capital ratio | 9.6007% | 7,340 |
| Total risk-based capital ratio | 10.4300% | 7,673 |
| Memoranda: | ||
| Average total assets | $103,083,000 | 5,093 |
| Average earning assets | $93,011,500 | 5,117 |
| Average equity | $8,066,000 | 6,034 |
| Average total loans | $75,912,500 | 4,768 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3227% | 3,841 |
| Cost of funding earning assets | 2.7062% | 3,135 |
| Net interest margin | 3.6165% | 4,809 |
| Noninterest income to average assets | 0.6697% | 3,332 |
| Noninterest expense to average assets | 3.0796% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8126% | 3,384 |
| Return on assets (ROA) | 0.8126% | 3,222 |
| Pretax return on assets | 0.8146% | 4,013 |
| Return on Equity (ROE) | 9.9725% | 2,271 |
| Retained earnings to average equity (ytd only) | -1.0917% | 5,621 |
| Net charge-offs to loans | -0.0054% | 7,790 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0811% | 2,739 |
| Assets per employee ($millions) | 3.4283% | 4,859 |
| Cash dividends to net income (ytd only)* | 110.9471% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 2,877 |
| Loan loss allowance to noncurrent loans | 88.4679% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 3,932 |
| Noncurrent loans to loans | 1.6506% | 3,295 |
| Net loans and leases to total assets | 68.1944% | 4,432 |
| Net loans and leases to deposits | 82.3224% | 4,676 |
| Net loans and leases to core deposits | 89.0050% | 5,890 |
| Total domestic deposits to total assets | 82.8382% | 3,832 |
| Equity capital to assets | 7.8512% | 7,043 |
| Core capital (leverage) ratio | 7.8602% | 6,712 |
| Tier 1 risk-based capital ratio | 10.2304% | 6,489 |
| Total risk-based capital ratio | 11.4811% | 6,350 |
| Memoranda: | ||
| Average total assets | $100,046,200 | 5,044 |
| Average earning assets | $89,202,400 | 5,113 |
| Average equity | $8,152,400 | 6,023 |
| Average total loans | $73,747,200 | 4,749 |