Home > Farmers National Bank of Griggsville > Performance and Condition Ratios
Farmers National Bank of Griggsville, 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 | 5.6049% | 1,030 |
| Cost of funding earning assets | 1.6841% | 1,482 |
| Net interest margin | 3.9208% | 1,336 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6904% | 1,763 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.2943% | 1,446 |
| Return on assets (ROA) | 1.2943% | 1,416 |
| Pretax return on assets | 1.2921% | 1,888 |
| Return on Equity (ROE) | 13.4500% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.1786% | 1,838 |
| Net charge-offs to loans | 0.0405% | 1,503 |
| Credit loss provision to net charge-offs | 477.2727% | 701 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,386 |
| Efficiency ratio | 64.9745% | 2,483 |
| Assets per employee ($millions) | 6.0794% | 2,755 |
| Cash dividends to net income (ytd only)* | 46.6240% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,272 |
| Loan loss allowance to noncurrent loans | 214.2640% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 983 |
| Noncurrent loans to loans | 0.5624% | 1,392 |
| Net loans and leases to total assets | 82.7900% | 363 |
| Net loans and leases to deposits | 95.9723% | 791 |
| Net loans and leases to core deposits | 104.7280% | 1,182 |
| Total domestic deposits to total assets | 86.2600% | 1,927 |
| Equity capital to assets | 9.7121% | 2,191 |
| Core capital (leverage) ratio | 10.3898% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3040% | 2,128 |
| Memoranda: | ||
| Average total assets | $132,732,800 | 3,523 |
| Average earning assets | $127,780,200 | 3,464 |
| Average equity | $12,774,000 | 3,460 |
| Average total loans | $108,666,400 | 3,080 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3623% | 1,193 |
| Cost of funding earning assets | 1.5042% | 1,593 |
| Net interest margin | 3.8582% | 1,481 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.7122% | 1,625 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.2258% | 1,713 |
| Return on assets (ROA) | 1.2258% | 1,711 |
| Pretax return on assets | 1.2462% | 2,181 |
| Return on Equity (ROE) | 12.7700% | 1,948 |
| Retained earnings to average equity (ytd only) | 4.4965% | 3,108 |
| Net charge-offs to loans | 0.0025% | 2,457 |
| Credit loss provision to net charge-offs | 6,750.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 679.5000% | 235 |
| Efficiency ratio | 66.2192% | 2,248 |
| Assets per employee ($millions) | 6.5085% | 2,322 |
| Cash dividends to net income (ytd only)* | 64.7841% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,323 |
| Loan loss allowance to noncurrent loans | 141.4359% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 692 |
| Noncurrent loans to loans | 0.8532% | 972 |
| Net loans and leases to total assets | 82.5900% | 388 |
| Net loans and leases to deposits | 97.9650% | 620 |
| Net loans and leases to core deposits | 105.4988% | 1,045 |
| Total domestic deposits to total assets | 84.3100% | 2,683 |
| Equity capital to assets | 9.2670% | 2,242 |
| Core capital (leverage) ratio | 10.3846% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $130,959,500 | 3,550 |
| Average earning assets | $126,136,000 | 3,492 |
| Average equity | $12,572,500 | 3,464 |
| Average total loans | $106,540,500 | 3,109 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 1,269 |
| Cost of funding earning assets | 1.2907% | 1,734 |
| Net interest margin | 3.8736% | 1,477 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.7260% | 1,585 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2971% | 1,579 |
| Return on assets (ROA) | 1.2971% | 1,566 |
| Pretax return on assets | 1.3173% | 2,028 |
| Return on Equity (ROE) | 13.3500% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.5084% | 3,348 |
| Net charge-offs to loans | 0.0096% | 1,846 |
| Credit loss provision to net charge-offs | 1,200.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 661 |
| Efficiency ratio | 65.9048% | 2,250 |
| Assets per employee ($millions) | 6.0416% | 2,677 |
| Cash dividends to net income (ytd only)* | 73.7157% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,578 |
| Loan loss allowance to noncurrent loans | 214.6865% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 984 |
| Noncurrent loans to loans | 0.5462% | 1,367 |
| Net loans and leases to total assets | 82.5000% | 377 |
| Net loans and leases to deposits | 96.6908% | 690 |
| Net loans and leases to core deposits | 102.7646% | 1,104 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 9.5444% | 2,132 |
| Core capital (leverage) ratio | 10.6542% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5213% | 2,084 |
| Memoranda: | ||
| Average total assets | $129,053,000 | 3,580 |
| Average earning assets | $124,431,333 | 3,514 |
| Average equity | $12,541,333 | 3,482 |
| Average total loans | $103,964,333 | 3,131 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,265 |
| Cost of funding earning assets | 1.1521% | 1,588 |
| Net interest margin | 3.8284% | 1,624 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.7847% | 1,464 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1705% | 2,025 |
| Return on assets (ROA) | 1.1705% | 1,987 |
| Pretax return on assets | 1.1926% | 2,443 |
| Return on Equity (ROE) | 11.9300% | 2,235 |
| Retained earnings to average equity (ytd only) | 0.3850% | 3,966 |
| Net charge-offs to loans | -0.0080% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.3926% | 1,933 |
| Assets per employee ($millions) | 5.3086% | 3,410 |
| Cash dividends to net income (ytd only)* | 96.7742% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,287 |
| Loan loss allowance to noncurrent loans | 295.8333% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,183 |
| Noncurrent loans to loans | 0.4227% | 1,674 |
| Net loans and leases to total assets | 79.2100% | 616 |
| Net loans and leases to deposits | 89.3192% | 1,104 |
| Net loans and leases to core deposits | 94.9415% | 1,332 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 9.8339% | 1,912 |
| Core capital (leverage) ratio | 10.5825% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9561% | 1,985 |
| Memoranda: | ||
| Average total assets | $127,122,000 | 3,644 |
| Average earning assets | $122,559,000 | 3,576 |
| Average equity | $12,469,000 | 3,528 |
| Average total loans | $100,467,500 | 3,210 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 1,632 |
| Cost of funding earning assets | 0.5468% | 1,122 |
| Net interest margin | 3.4864% | 1,969 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.5163% | 2,058 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3462% | 1,288 |
| Return on assets (ROA) | 1.3462% | 1,251 |
| Pretax return on assets | 1.3675% | 1,876 |
| Return on Equity (ROE) | 13.9200% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.1160% | 1,785 |
| Net charge-offs to loans | 0.0117% | 1,948 |
| Credit loss provision to net charge-offs | 1,090.9091% | 402 |
| Earnings coverage of net charge-offs (x) | 168.4545% | 733 |
| Efficiency ratio | 63.2487% | 2,595 |
| Assets per employee ($millions) | 5.2849% | 3,437 |
| Cash dividends to net income (ytd only)* | 41.6764% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,455 |
| Loan loss allowance to noncurrent loans | 216.4510% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 961 |
| Noncurrent loans to loans | 0.5479% | 1,350 |
| Net loans and leases to total assets | 76.9200% | 909 |
| Net loans and leases to deposits | 86.6545% | 1,263 |
| Net loans and leases to core deposits | 90.9961% | 1,457 |
| Total domestic deposits to total assets | 88.7700% | 1,791 |
| Equity capital to assets | 9.7833% | 1,833 |
| Core capital (leverage) ratio | 10.6151% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1501% | 1,922 |
| Memoranda: | ||
| Average total assets | $126,731,200 | 3,669 |
| Average earning assets | $122,159,400 | 3,595 |
| Average equity | $12,259,800 | 3,650 |
| Average total loans | $94,061,600 | 3,231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 1,626 |
| Cost of funding earning assets | 0.4202% | 1,155 |
| Net interest margin | 3.4260% | 1,885 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4403% | 2,189 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3343% | 1,259 |
| Return on assets (ROA) | 1.3343% | 1,233 |
| Pretax return on assets | 1.4458% | 1,575 |
| Return on Equity (ROE) | 13.8300% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.7050% | 1,755 |
| Net charge-offs to loans | 0.0100% | 1,748 |
| Credit loss provision to net charge-offs | 1,285.7143% | 337 |
| Earnings coverage of net charge-offs (x) | 209.1429% | 606 |
| Efficiency ratio | 61.3006% | 2,931 |
| Assets per employee ($millions) | 5.3802% | 3,345 |
| Cash dividends to net income (ytd only)* | 37.0662% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 2,827 |
| Loan loss allowance to noncurrent loans | 200.5254% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 1,000 |
| Noncurrent loans to loans | 0.5697% | 1,407 |
| Net loans and leases to total assets | 76.7300% | 838 |
| Net loans and leases to deposits | 90.7941% | 837 |
| Net loans and leases to core deposits | 95.1256% | 1,042 |
| Total domestic deposits to total assets | 84.5100% | 3,385 |
| Equity capital to assets | 9.2399% | 2,044 |
| Core capital (leverage) ratio | 10.8012% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8827% | 2,097 |
| Memoranda: | ||
| Average total assets | $126,704,500 | 3,694 |
| Average earning assets | $122,160,750 | 3,621 |
| Average equity | $12,222,500 | 3,694 |
| Average total loans | $92,892,750 | 3,257 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 1,462 |
| Cost of funding earning assets | 0.4019% | 902 |
| Net interest margin | 3.3306% | 1,816 |
| Noninterest income to average assets | 0.7323% | 1,226 |
| Noninterest expense to average assets | 2.3988% | 2,225 |
| Loan and lease loss provision to assets | 0.0953% | 1,044 |
| Net operating income to assets | 1.3376% | 1,056 |
| Return on assets (ROA) | 1.3376% | 1,034 |
| Pretax return on assets | 1.4504% | 1,309 |
| Return on Equity (ROE) | 13.6692% | 1,195 |
| Retained earnings to average equity (ytd only) | 9.0262% | 1,280 |
| Net charge-offs to loans | 0.0177% | 1,387 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 121.6250% | 730 |
| Efficiency ratio | 60.8135% | 3,203 |
| Assets per employee ($millions) | 5.2996% | 3,432 |
| Cash dividends to net income (ytd only)* | 33.9667% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,627 |
| Loan loss allowance to noncurrent loans | 186.5997% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 945 |
| Noncurrent loans to loans | 0.6494% | 1,316 |
| Net loans and leases to total assets | 74.5051% | 862 |
| Net loans and leases to deposits | 84.0413% | 1,115 |
| Net loans and leases to core deposits | 86.1034% | 1,332 |
| Total domestic deposits to total assets | 88.6530% | 2,316 |
| Equity capital to assets | 9.9876% | 1,727 |
| Core capital (leverage) ratio | 10.3751% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8039% | 1,763 |
| Memoranda: | ||
| Average total assets | $125,897,667 | 3,745 |
| Average earning assets | $121,418,667 | 3,676 |
| Average equity | $12,319,667 | 3,754 |
| Average total loans | $90,448,667 | 3,317 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 1,504 |
| Cost of funding earning assets | 0.3986% | 880 |
| Net interest margin | 3.2020% | 1,875 |
| Noninterest income to average assets | 0.5066% | 2,111 |
| Noninterest expense to average assets | 2.5238% | 1,825 |
| Loan and lease loss provision to assets | 0.0938% | 876 |
| Net operating income to assets | 0.8694% | 2,420 |
| Return on assets (ROA) | 0.8694% | 2,408 |
| Pretax return on assets | 0.9789% | 2,506 |
| Return on Equity (ROE) | 8.9732% | 2,323 |
| Retained earnings to average equity (ytd only) | 6.6169% | 2,025 |
| Net charge-offs to loans | 0.0134% | 1,280 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 626 |
| Efficiency ratio | 70.1739% | 2,203 |
| Assets per employee ($millions) | 5.5880% | 3,241 |
| Cash dividends to net income (ytd only)* | 26.2590% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,877 |
| Loan loss allowance to noncurrent loans | 236.7391% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 1,161 |
| Noncurrent loans to loans | 0.5058% | 1,762 |
| Net loans and leases to total assets | 69.9182% | 1,032 |
| Net loans and leases to deposits | 81.9055% | 1,019 |
| Net loans and leases to core deposits | 83.6843% | 1,259 |
| Total domestic deposits to total assets | 85.3645% | 3,453 |
| Equity capital to assets | 9.4707% | 2,313 |
| Core capital (leverage) ratio | 10.0789% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0881% | 2,168 |
| Memoranda: | ||
| Average total assets | $127,901,000 | 3,736 |
| Average earning assets | $123,424,000 | 3,680 |
| Average equity | $12,392,500 | 3,822 |
| Average total loans | $89,708,500 | 3,332 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 483 |
| Cost of funding earning assets | 0.5248% | 811 |
| Net interest margin | 4.0978% | 599 |
| Noninterest income to average assets | 0.6980% | 1,773 |
| Noninterest expense to average assets | 2.6791% | 1,690 |
| Loan and lease loss provision to assets | 0.0995% | 1,256 |
| Net operating income to assets | 1.8394% | 466 |
| Return on assets (ROA) | 1.8394% | 490 |
| Pretax return on assets | 1.8676% | 790 |
| Return on Equity (ROE) | 18.4217% | 426 |
| Retained earnings to average equity (ytd only) | 8.6837% | 1,288 |
| Net charge-offs to loans | 0.2165% | 428 |
| Credit loss provision to net charge-offs | 65.5738% | 2,036 |
| Earnings coverage of net charge-offs (x) | 12.9672% | 2,093 |
| Efficiency ratio | 57.6628% | 3,496 |
| Assets per employee ($millions) | 5.5339% | 3,230 |
| Cash dividends to net income (ytd only)* | 52.8616% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,883 |
| Loan loss allowance to noncurrent loans | 227.4090% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 1,269 |
| Noncurrent loans to loans | 0.5279% | 1,809 |
| Net loans and leases to total assets | 68.6720% | 1,190 |
| Net loans and leases to deposits | 80.8736% | 1,143 |
| Net loans and leases to core deposits | 83.0972% | 1,382 |
| Total domestic deposits to total assets | 84.9127% | 3,299 |
| Equity capital to assets | 9.9097% | 2,743 |
| Core capital (leverage) ratio | 10.0197% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3384% | 2,109 |
| Memoranda: | ||
| Average total assets | $120,635,800 | 3,791 |
| Average earning assets | $116,233,600 | 3,734 |
| Average equity | $12,045,600 | 3,926 |
| Average total loans | $84,535,400 | 3,409 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 320 |
| Cost of funding earning assets | 0.5492% | 833 |
| Net interest margin | 4.4219% | 362 |
| Noninterest income to average assets | 0.6713% | 1,927 |
| Noninterest expense to average assets | 2.6649% | 1,679 |
| Loan and lease loss provision to assets | 0.1009% | 1,191 |
| Net operating income to assets | 2.1405% | 363 |
| Return on assets (ROA) | 2.1405% | 381 |
| Pretax return on assets | 2.1640% | 592 |
| Return on Equity (ROE) | 21.3933% | 334 |
| Retained earnings to average equity (ytd only) | 9.4646% | 1,506 |
| Net charge-offs to loans | -0.0032% | 3,318 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0577% | 3,807 |
| Assets per employee ($millions) | 5.1655% | 3,539 |
| Cash dividends to net income (ytd only)* | 55.7592% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,920 |
| Loan loss allowance to noncurrent loans | 174.1059% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 1,008 |
| Noncurrent loans to loans | 0.8186% | 1,393 |
| Net loans and leases to total assets | 67.8965% | 1,336 |
| Net loans and leases to deposits | 80.2624% | 1,264 |
| Net loans and leases to core deposits | 82.5345% | 1,535 |
| Total domestic deposits to total assets | 84.5932% | 3,264 |
| Equity capital to assets | 10.0564% | 2,844 |
| Core capital (leverage) ratio | 10.0692% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2426% | 1,881 |
| Memoranda: | ||
| Average total assets | $118,975,000 | 3,853 |
| Average earning assets | $114,577,750 | 3,793 |
| Average equity | $11,903,750 | 3,995 |
| Average total loans | $83,552,500 | 3,467 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 508 |
| Cost of funding earning assets | 0.5733% | 848 |
| Net interest margin | 4.1638% | 621 |
| Noninterest income to average assets | 0.6223% | 2,119 |
| Noninterest expense to average assets | 2.6971% | 1,596 |
| Loan and lease loss provision to assets | 0.1023% | 1,239 |
| Net operating income to assets | 1.8106% | 699 |
| Return on assets (ROA) | 1.8106% | 734 |
| Pretax return on assets | 1.8345% | 1,157 |
| Return on Equity (ROE) | 18.1291% | 632 |
| Retained earnings to average equity (ytd only) | 4.8822% | 3,226 |
| Net charge-offs to loans | -0.0121% | 3,743 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2046% | 3,258 |
| Assets per employee ($millions) | 4.7780% | 3,858 |
| Cash dividends to net income (ytd only)* | 73.0697% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,948 |
| Loan loss allowance to noncurrent loans | 169.2745% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 1,081 |
| Noncurrent loans to loans | 0.8313% | 1,473 |
| Net loans and leases to total assets | 69.8013% | 1,221 |
| Net loans and leases to deposits | 83.1774% | 1,116 |
| Net loans and leases to core deposits | 86.8872% | 1,355 |
| Total domestic deposits to total assets | 83.9187% | 3,468 |
| Equity capital to assets | 10.0386% | 2,817 |
| Core capital (leverage) ratio | 9.8779% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0653% | 1,948 |
| Memoranda: | ||
| Average total assets | $117,309,667 | 3,889 |
| Average earning assets | $113,022,333 | 3,824 |
| Average equity | $11,716,000 | 4,022 |
| Average total loans | $82,940,333 | 3,497 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1566% | 85 |
| Cost of funding earning assets | 0.5857% | 937 |
| Net interest margin | 5.5709% | 94 |
| Noninterest income to average assets | 0.6228% | 2,120 |
| Noninterest expense to average assets | 2.7185% | 1,580 |
| Loan and lease loss provision to assets | 0.1032% | 1,315 |
| Net operating income to assets | 3.1452% | 134 |
| Return on assets (ROA) | 3.1452% | 148 |
| Pretax return on assets | 3.1693% | 196 |
| Return on Equity (ROE) | 30.9607% | 124 |
| Retained earnings to average equity (ytd only) | 17.9532% | 369 |
| Net charge-offs to loans | -0.0195% | 3,985 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3762% | 4,505 |
| Assets per employee ($millions) | 5.1749% | 3,456 |
| Cash dividends to net income (ytd only)* | 42.0131% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,965 |
| Loan loss allowance to noncurrent loans | 190.3120% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 1,371 |
| Noncurrent loans to loans | 0.7346% | 1,765 |
| Net loans and leases to total assets | 68.6806% | 1,450 |
| Net loans and leases to deposits | 80.6172% | 1,460 |
| Net loans and leases to core deposits | 84.7819% | 1,608 |
| Total domestic deposits to total assets | 85.1935% | 3,029 |
| Equity capital to assets | 10.1023% | 2,612 |
| Core capital (leverage) ratio | 10.3565% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,240,000 | 3,901 |
| Average earning assets | $112,010,000 | 3,843 |
| Average equity | $11,808,500 | 4,017 |
| Average total loans | $82,127,000 | 3,524 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 913 |
| Cost of funding earning assets | 0.8185% | 1,136 |
| Net interest margin | 3.8715% | 1,299 |
| Noninterest income to average assets | 0.8859% | 1,305 |
| Noninterest expense to average assets | 2.7242% | 2,162 |
| Loan and lease loss provision to assets | 0.2090% | 1,883 |
| Net operating income to assets | 1.6312% | 598 |
| Return on assets (ROA) | 1.6312% | 645 |
| Pretax return on assets | 1.6601% | 930 |
| Return on Equity (ROE) | 15.4115% | 578 |
| Retained earnings to average equity (ytd only) | 9.3797% | 699 |
| Net charge-offs to loans | 0.0285% | 2,468 |
| Credit loss provision to net charge-offs | 943.4783% | 811 |
| Earnings coverage of net charge-offs (x) | 84.3913% | 869 |
| Efficiency ratio | 59.3082% | 3,551 |
| Assets per employee ($millions) | 5.1572% | 3,215 |
| Cash dividends to net income (ytd only)* | 39.1381% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 2,038 |
| Loan loss allowance to noncurrent loans | 98.1675% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 711 |
| Noncurrent loans to loans | 1.4087% | 962 |
| Net loans and leases to total assets | 70.7090% | 1,466 |
| Net loans and leases to deposits | 83.3048% | 1,512 |
| Net loans and leases to core deposits | 86.6295% | 1,817 |
| Total domestic deposits to total assets | 84.8799% | 2,812 |
| Equity capital to assets | 10.2179% | 2,916 |
| Core capital (leverage) ratio | 10.5304% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6499% | 1,991 |
| Memoranda: | ||
| Average total assets | $103,847,400 | 3,946 |
| Average earning assets | $99,445,600 | 3,903 |
| Average equity | $10,991,800 | 4,078 |
| Average total loans | $80,651,200 | 3,542 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 772 |
| Cost of funding earning assets | 0.8699% | 1,175 |
| Net interest margin | 4.0061% | 1,103 |
| Noninterest income to average assets | 0.8241% | 1,409 |
| Noninterest expense to average assets | 2.6970% | 2,266 |
| Loan and lease loss provision to assets | 0.2455% | 1,653 |
| Net operating income to assets | 1.6928% | 580 |
| Return on assets (ROA) | 1.6928% | 646 |
| Pretax return on assets | 1.7125% | 947 |
| Return on Equity (ROE) | 15.8400% | 566 |
| Retained earnings to average equity (ytd only) | 7.6863% | 1,424 |
| Net charge-offs to loans | 0.0464% | 1,952 |
| Credit loss provision to net charge-offs | 667.8571% | 1,098 |
| Earnings coverage of net charge-offs (x) | 53.2143% | 1,157 |
| Efficiency ratio | 57.9334% | 3,673 |
| Assets per employee ($millions) | 4.8380% | 3,441 |
| Cash dividends to net income (ytd only)* | 51.4752% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,152 |
| Loan loss allowance to noncurrent loans | 71.1953% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.6451% | 491 |
| Noncurrent loans to loans | 1.8274% | 718 |
| Net loans and leases to total assets | 77.6880% | 870 |
| Net loans and leases to deposits | 92.2301% | 1,054 |
| Net loans and leases to core deposits | 96.8482% | 1,388 |
| Total domestic deposits to total assets | 84.2328% | 2,740 |
| Equity capital to assets | 10.5199% | 2,771 |
| Core capital (leverage) ratio | 10.5625% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,444,750 | 3,972 |
| Average earning assets | $97,017,250 | 3,926 |
| Average equity | $10,841,500 | 4,105 |
| Average total loans | $80,476,500 | 3,566 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 955 |
| Cost of funding earning assets | 0.9138% | 1,310 |
| Net interest margin | 3.9970% | 1,330 |
| Noninterest income to average assets | 0.8519% | 1,281 |
| Noninterest expense to average assets | 2.6117% | 2,627 |
| Loan and lease loss provision to assets | 0.3147% | 1,363 |
| Net operating income to assets | 1.7278% | 591 |
| Return on assets (ROA) | 1.7278% | 643 |
| Pretax return on assets | 1.7478% | 898 |
| Return on Equity (ROE) | 16.0776% | 554 |
| Retained earnings to average equity (ytd only) | 7.5166% | 1,457 |
| Net charge-offs to loans | 0.0756% | 1,494 |
| Credit loss provision to net charge-offs | 523.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 34.3000% | 1,347 |
| Efficiency ratio | 55.8748% | 3,958 |
| Assets per employee ($millions) | 4.5297% | 3,748 |
| Cash dividends to net income (ytd only)* | 53.2483% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,049 |
| Loan loss allowance to noncurrent loans | 63.9661% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8170% | 429 |
| Noncurrent loans to loans | 2.0178% | 667 |
| Net loans and leases to total assets | 77.6650% | 896 |
| Net loans and leases to deposits | 92.4836% | 1,097 |
| Net loans and leases to core deposits | 98.0573% | 1,407 |
| Total domestic deposits to total assets | 83.9771% | 2,752 |
| Equity capital to assets | 10.5354% | 2,723 |
| Core capital (leverage) ratio | 10.8277% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,781,000 | 3,996 |
| Average earning assets | $95,420,667 | 3,946 |
| Average equity | $10,723,000 | 4,132 |
| Average total loans | $79,376,000 | 3,587 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 1,163 |
| Cost of funding earning assets | 0.9602% | 1,603 |
| Net interest margin | 3.9521% | 1,527 |
| Noninterest income to average assets | 0.5370% | 2,351 |
| Noninterest expense to average assets | 2.6317% | 2,884 |
| Loan and lease loss provision to assets | 0.3361% | 916 |
| Net operating income to assets | 1.3281% | 1,166 |
| Return on assets (ROA) | 1.3281% | 1,261 |
| Pretax return on assets | 1.3486% | 1,721 |
| Return on Equity (ROE) | 12.2305% | 1,049 |
| Retained earnings to average equity (ytd only) | 4.9073% | 2,313 |
| Net charge-offs to loans | -0.0512% | 4,643 |
| Credit loss provision to net charge-offs | -820.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9687% | 3,620 |
| Assets per employee ($millions) | 4.3128% | 3,521 |
| Cash dividends to net income (ytd only)* | 59.8765% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,355 |
| Loan loss allowance to noncurrent loans | 50.8449% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0727% | 389 |
| Noncurrent loans to loans | 2.4729% | 492 |
| Net loans and leases to total assets | 80.9920% | 562 |
| Net loans and leases to deposits | 92.4341% | 1,232 |
| Net loans and leases to core deposits | 97.6161% | 1,673 |
| Total domestic deposits to total assets | 87.6214% | 1,263 |
| Equity capital to assets | 10.7505% | 3,095 |
| Core capital (leverage) ratio | 11.0281% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,580,500 | 4,024 |
| Average earning assets | $93,317,000 | 3,979 |
| Average equity | $10,596,500 | 4,167 |
| Average total loans | $78,078,500 | 3,615 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0937% | 1,226 |
| Cost of funding earning assets | 0.9612% | 1,899 |
| Net interest margin | 4.1325% | 1,469 |
| Noninterest income to average assets | 0.5688% | 2,377 |
| Noninterest expense to average assets | 2.7258% | 2,816 |
| Loan and lease loss provision to assets | 0.1313% | 1,627 |
| Net operating income to assets | 1.6298% | 779 |
| Return on assets (ROA) | 1.6298% | 831 |
| Pretax return on assets | 1.6528% | 1,330 |
| Return on Equity (ROE) | 14.8988% | 704 |
| Retained earnings to average equity (ytd only) | 8.2993% | 889 |
| Net charge-offs to loans | 0.2373% | 866 |
| Credit loss provision to net charge-offs | 68.1818% | 2,936 |
| Earnings coverage of net charge-offs (x) | 9.2670% | 2,687 |
| Efficiency ratio | 60.4414% | 3,627 |
| Assets per employee ($millions) | 3.9986% | 3,900 |
| Cash dividends to net income (ytd only)* | 44.2953% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,198 |
| Loan loss allowance to noncurrent loans | 49.8127% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.0611% | 371 |
| Noncurrent loans to loans | 2.4989% | 430 |
| Net loans and leases to total assets | 76.9679% | 1,260 |
| Net loans and leases to deposits | 88.0170% | 1,840 |
| Net loans and leases to core deposits | 93.1344% | 2,145 |
| Total domestic deposits to total assets | 87.4466% | 1,391 |
| Equity capital to assets | 10.9716% | 3,023 |
| Core capital (leverage) ratio | 11.2102% | 2,324 |
| Tier 1 risk-based capital ratio | 13.5551% | 3,488 |
| Total risk-based capital ratio | 14.7556% | 3,414 |
| Memoranda: | ||
| Average total assets | $91,422,400 | 4,120 |
| Average earning assets | $87,186,800 | 4,080 |
| Average equity | $10,000,800 | 4,240 |
| Average total loans | $74,169,200 | 3,701 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,202 |
| Cost of funding earning assets | 0.9437% | 2,018 |
| Net interest margin | 4.1885% | 1,398 |
| Noninterest income to average assets | 0.5892% | 2,268 |
| Noninterest expense to average assets | 2.7940% | 2,575 |
| Loan and lease loss provision to assets | 0.1329% | 1,445 |
| Net operating income to assets | 1.6274% | 871 |
| Return on assets (ROA) | 1.6274% | 912 |
| Pretax return on assets | 1.6540% | 1,459 |
| Return on Equity (ROE) | 14.8884% | 797 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,291 |
| Net charge-offs to loans | 0.1351% | 1,188 |
| Credit loss provision to net charge-offs | 120.0000% | 1,955 |
| Earnings coverage of net charge-offs (x) | 16.1329% | 2,152 |
| Efficiency ratio | 60.9929% | 3,471 |
| Assets per employee ($millions) | 3.9677% | 3,945 |
| Cash dividends to net income (ytd only)* | 58.5299% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,699 |
| Loan loss allowance to noncurrent loans | 57.0940% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.0426% | 419 |
| Noncurrent loans to loans | 2.3937% | 503 |
| Net loans and leases to total assets | 79.2424% | 954 |
| Net loans and leases to deposits | 90.9726% | 1,572 |
| Net loans and leases to core deposits | 96.5616% | 1,956 |
| Total domestic deposits to total assets | 87.1058% | 1,465 |
| Equity capital to assets | 11.1300% | 2,985 |
| Core capital (leverage) ratio | 11.2191% | 2,453 |
| Tier 1 risk-based capital ratio | 13.2675% | 3,707 |
| Total risk-based capital ratio | 14.5171% | 3,610 |
| Memoranda: | ||
| Average total assets | $90,286,500 | 4,197 |
| Average earning assets | $86,042,750 | 4,148 |
| Average equity | $9,868,750 | 4,301 |
| Average total loans | $74,013,000 | 3,740 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 1,062 |
| Cost of funding earning assets | 0.9068% | 2,107 |
| Net interest margin | 4.2568% | 1,225 |
| Noninterest income to average assets | 0.5113% | 2,618 |
| Noninterest expense to average assets | 2.7812% | 2,659 |
| Loan and lease loss provision to assets | 0.1334% | 1,395 |
| Net operating income to assets | 1.6296% | 853 |
| Return on assets (ROA) | 1.6296% | 891 |
| Pretax return on assets | 1.6562% | 1,376 |
| Return on Equity (ROE) | 15.0010% | 757 |
| Retained earnings to average equity (ytd only) | 4.7070% | 2,913 |
| Net charge-offs to loans | 0.1131% | 1,288 |
| Credit loss provision to net charge-offs | 142.8571% | 1,545 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,828 |
| Efficiency ratio | 60.8463% | 3,602 |
| Assets per employee ($millions) | 3.7763% | 4,158 |
| Cash dividends to net income (ytd only)* | 68.6221% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,740 |
| Loan loss allowance to noncurrent loans | 50.5533% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2145% | 379 |
| Noncurrent loans to loans | 2.7087% | 401 |
| Net loans and leases to total assets | 79.8700% | 897 |
| Net loans and leases to deposits | 91.5503% | 1,547 |
| Net loans and leases to core deposits | 97.2016% | 1,954 |
| Total domestic deposits to total assets | 87.2417% | 1,471 |
| Equity capital to assets | 10.9422% | 3,134 |
| Core capital (leverage) ratio | 11.0403% | 2,557 |
| Tier 1 risk-based capital ratio | 13.9559% | 3,341 |
| Total risk-based capital ratio | 15.2101% | 3,250 |
| Memoranda: | ||
| Average total assets | $89,962,670 | 4,225 |
| Average earning assets | $85,791,670 | 4,179 |
| Average equity | $9,772,670 | 4,334 |
| Average total loans | $74,245,000 | 3,761 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 1,099 |
| Cost of funding earning assets | 0.8839% | 2,072 |
| Net interest margin | 4.2139% | 1,279 |
| Noninterest income to average assets | 0.4775% | 2,693 |
| Noninterest expense to average assets | 2.7090% | 2,880 |
| Loan and lease loss provision to assets | 0.1339% | 1,298 |
| Net operating income to assets | 1.6289% | 840 |
| Return on assets (ROA) | 1.6289% | 871 |
| Pretax return on assets | 1.6557% | 1,324 |
| Return on Equity (ROE) | 15.0508% | 739 |
| Retained earnings to average equity (ytd only) | 4.8657% | 2,966 |
| Net charge-offs to loans | 0.1393% | 914 |
| Credit loss provision to net charge-offs | 115.3846% | 1,450 |
| Earnings coverage of net charge-offs (x) | 15.4231% | 1,736 |
| Efficiency ratio | 60.2183% | 3,771 |
| Assets per employee ($millions) | 3.7250% | 4,312 |
| Cash dividends to net income (ytd only)* | 67.6712% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,866 |
| Loan loss allowance to noncurrent loans | 58.1914% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9262% | 527 |
| Noncurrent loans to loans | 2.3217% | 585 |
| Net loans and leases to total assets | 80.9427% | 717 |
| Net loans and leases to deposits | 91.5673% | 1,448 |
| Net loans and leases to core deposits | 97.5163% | 1,814 |
| Total domestic deposits to total assets | 88.3970% | 1,133 |
| Equity capital to assets | 10.9397% | 2,914 |
| Core capital (leverage) ratio | 11.0069% | 2,568 |
| Tier 1 risk-based capital ratio | 13.6663% | 3,512 |
| Total risk-based capital ratio | 14.9197% | 3,420 |
| Memoranda: | ||
| Average total assets | $89,628,500 | 4,271 |
| Average earning assets | $85,526,500 | 4,230 |
| Average equity | $9,700,500 | 4,372 |
| Average total loans | $74,671,500 | 3,787 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 1,114 |
| Cost of funding earning assets | 0.7762% | 1,652 |
| Net interest margin | 4.1926% | 1,411 |
| Noninterest income to average assets | 0.5595% | 2,494 |
| Noninterest expense to average assets | 2.7304% | 2,928 |
| Loan and lease loss provision to assets | 0.1324% | 1,647 |
| Net operating income to assets | 1.6654% | 743 |
| Return on assets (ROA) | 1.6654% | 740 |
| Pretax return on assets | 1.6908% | 1,192 |
| Return on Equity (ROE) | 16.5268% | 539 |
| Retained earnings to average equity (ytd only) | 9.3094% | 782 |
| Net charge-offs to loans | 0.0663% | 2,167 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 33.0400% | 1,507 |
| Efficiency ratio | 59.9612% | 3,865 |
| Assets per employee ($millions) | 4.0845% | 3,768 |
| Cash dividends to net income (ytd only)* | 43.6713% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 2,044 |
| Loan loss allowance to noncurrent loans | 60.2196% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8451% | 549 |
| Noncurrent loans to loans | 2.1569% | 603 |
| Net loans and leases to total assets | 83.4684% | 456 |
| Net loans and leases to deposits | 94.0205% | 1,278 |
| Net loans and leases to core deposits | 101.4198% | 1,615 |
| Total domestic deposits to total assets | 88.7767% | 956 |
| Equity capital to assets | 10.7069% | 2,975 |
| Core capital (leverage) ratio | 10.5367% | 2,979 |
| Tier 1 risk-based capital ratio | 13.1585% | 3,753 |
| Total risk-based capital ratio | 14.4113% | 3,634 |
| Memoranda: | ||
| Average total assets | $90,609,600 | 4,261 |
| Average earning assets | $86,319,200 | 4,215 |
| Average equity | $9,130,600 | 4,446 |
| Average total loans | $75,380,000 | 3,762 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 1,097 |
| Cost of funding earning assets | 0.7340% | 1,658 |
| Net interest margin | 4.1943% | 1,371 |
| Noninterest income to average assets | 0.6153% | 2,237 |
| Noninterest expense to average assets | 2.6887% | 3,001 |
| Loan and lease loss provision to assets | 0.1322% | 1,525 |
| Net operating income to assets | 1.7636% | 646 |
| Return on assets (ROA) | 1.7636% | 646 |
| Pretax return on assets | 1.7886% | 1,035 |
| Return on Equity (ROE) | 17.7763% | 453 |
| Retained earnings to average equity (ytd only) | 8.0371% | 1,632 |
| Net charge-offs to loans | 0.0904% | 1,599 |
| Credit loss provision to net charge-offs | 176.4706% | 1,522 |
| Earnings coverage of net charge-offs (x) | 25.6465% | 1,768 |
| Efficiency ratio | 58.3307% | 4,065 |
| Assets per employee ($millions) | 4.2207% | 3,544 |
| Cash dividends to net income (ytd only)* | 54.7877% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,335 |
| Loan loss allowance to noncurrent loans | 53.0816% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 449 |
| Noncurrent loans to loans | 2.3655% | 570 |
| Net loans and leases to total assets | 80.9641% | 874 |
| Net loans and leases to deposits | 93.1195% | 1,492 |
| Net loans and leases to core deposits | 101.7059% | 1,634 |
| Total domestic deposits to total assets | 86.9465% | 1,755 |
| Equity capital to assets | 9.9810% | 3,667 |
| Core capital (leverage) ratio | 10.3514% | 3,237 |
| Tier 1 risk-based capital ratio | 12.4474% | 4,228 |
| Total risk-based capital ratio | 13.6980% | 4,114 |
| Memoranda: | ||
| Average total assets | $90,797,500 | 4,300 |
| Average earning assets | $86,465,000 | 4,260 |
| Average equity | $9,008,000 | 4,499 |
| Average total loans | $75,227,500 | 3,806 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 1,009 |
| Cost of funding earning assets | 0.6941% | 1,653 |
| Net interest margin | 4.2114% | 1,258 |
| Noninterest income to average assets | 0.6015% | 2,318 |
| Noninterest expense to average assets | 2.7144% | 2,962 |
| Loan and lease loss provision to assets | 0.1332% | 1,482 |
| Net operating income to assets | 1.7423% | 666 |
| Return on assets (ROA) | 1.7423% | 666 |
| Pretax return on assets | 1.7667% | 1,041 |
| Return on Equity (ROE) | 17.5983% | 465 |
| Retained earnings to average equity (ytd only) | 6.8151% | 2,159 |
| Net charge-offs to loans | 0.1468% | 1,046 |
| Credit loss provision to net charge-offs | 109.0909% | 1,903 |
| Earnings coverage of net charge-offs (x) | 15.5636% | 2,035 |
| Efficiency ratio | 58.8264% | 4,112 |
| Assets per employee ($millions) | 4.3929% | 3,290 |
| Cash dividends to net income (ytd only)* | 61.2739% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,805 |
| Loan loss allowance to noncurrent loans | 63.5862% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 643 |
| Noncurrent loans to loans | 1.8662% | 823 |
| Net loans and leases to total assets | 83.2251% | 558 |
| Net loans and leases to deposits | 96.4741% | 1,098 |
| Net loans and leases to core deposits | 102.4445% | 1,531 |
| Total domestic deposits to total assets | 86.2668% | 2,158 |
| Equity capital to assets | 9.8069% | 3,816 |
| Core capital (leverage) ratio | 10.2396% | 3,303 |
| Tier 1 risk-based capital ratio | 12.0435% | 4,467 |
| Total risk-based capital ratio | 13.2586% | 4,365 |
| Memoranda: | ||
| Average total assets | $90,111,330 | 4,347 |
| Average earning assets | $85,863,000 | 4,300 |
| Average equity | $8,921,330 | 4,547 |
| Average total loans | $74,924,670 | 3,834 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 519 |
| Cost of funding earning assets | 0.6789% | 1,548 |
| Net interest margin | 4.4928% | 630 |
| Noninterest income to average assets | 0.4223% | 3,300 |
| Noninterest expense to average assets | 2.6999% | 3,040 |
| Loan and lease loss provision to assets | 0.1348% | 1,400 |
| Net operating income to assets | 1.8418% | 519 |
| Return on assets (ROA) | 1.8418% | 521 |
| Pretax return on assets | 1.8688% | 779 |
| Return on Equity (ROE) | 18.5133% | 359 |
| Retained earnings to average equity (ytd only) | 9.0760% | 1,434 |
| Net charge-offs to loans | 0.0707% | 1,414 |
| Credit loss provision to net charge-offs | 230.7692% | 954 |
| Earnings coverage of net charge-offs (x) | 34.3077% | 1,159 |
| Efficiency ratio | 57.4021% | 4,421 |
| Assets per employee ($millions) | 3.8837% | 4,172 |
| Cash dividends to net income (ytd only)* | 50.9756% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,398 |
| Loan loss allowance to noncurrent loans | 57.9404% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 674 |
| Noncurrent loans to loans | 2.1929% | 687 |
| Net loans and leases to total assets | 81.2514% | 754 |
| Net loans and leases to deposits | 90.7814% | 1,590 |
| Net loans and leases to core deposits | 96.3672% | 1,951 |
| Total domestic deposits to total assets | 89.5023% | 888 |
| Equity capital to assets | 10.0130% | 3,578 |
| Core capital (leverage) ratio | 10.2755% | 3,214 |
| Tier 1 risk-based capital ratio | 12.3027% | 4,377 |
| Total risk-based capital ratio | 13.5555% | 4,268 |
| Memoranda: | ||
| Average total assets | $89,041,000 | 4,414 |
| Average earning assets | $84,846,500 | 4,363 |
| Average equity | $8,858,500 | 4,601 |
| Average total loans | $73,538,000 | 3,892 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 1,194 |
| Cost of funding earning assets | 0.6666% | 1,201 |
| Net interest margin | 4.0331% | 1,645 |
| Noninterest income to average assets | 0.5763% | 2,575 |
| Noninterest expense to average assets | 2.6888% | 3,166 |
| Loan and lease loss provision to assets | 0.1378% | 1,661 |
| Net operating income to assets | 1.5717% | 689 |
| Return on assets (ROA) | 1.5717% | 703 |
| Pretax return on assets | 1.5981% | 1,292 |
| Return on Equity (ROE) | 16.3116% | 445 |
| Retained earnings to average equity (ytd only) | 7.8758% | 808 |
| Net charge-offs to loans | 0.0443% | 2,902 |
| Credit loss provision to net charge-offs | 387.0968% | 781 |
| Earnings coverage of net charge-offs (x) | 48.7742% | 1,105 |
| Efficiency ratio | 60.7680% | 4,144 |
| Assets per employee ($millions) | 4.0345% | 3,910 |
| Cash dividends to net income (ytd only)* | 51.7166% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,495 |
| Loan loss allowance to noncurrent loans | 49.8370% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 528 |
| Noncurrent loans to loans | 2.5012% | 534 |
| Net loans and leases to total assets | 81.8495% | 698 |
| Net loans and leases to deposits | 91.9863% | 1,523 |
| Net loans and leases to core deposits | 97.7200% | 1,882 |
| Total domestic deposits to total assets | 88.9801% | 1,009 |
| Equity capital to assets | 9.8842% | 3,838 |
| Core capital (leverage) ratio | 9.9880% | 3,473 |
| Tier 1 risk-based capital ratio | 11.9461% | 4,569 |
| Total risk-based capital ratio | 13.1861% | 4,457 |
| Memoranda: | ||
| Average total assets | $87,101,200 | 4,476 |
| Average earning assets | $83,111,400 | 4,419 |
| Average equity | $8,392,800 | 4,718 |
| Average total loans | $70,007,200 | 3,962 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 1,256 |
| Cost of funding earning assets | 0.6496% | 1,243 |
| Net interest margin | 3.9960% | 1,717 |
| Noninterest income to average assets | 0.6045% | 2,453 |
| Noninterest expense to average assets | 2.6608% | 3,203 |
| Loan and lease loss provision to assets | 0.1384% | 1,547 |
| Net operating income to assets | 1.5904% | 736 |
| Return on assets (ROA) | 1.5904% | 754 |
| Pretax return on assets | 1.6180% | 1,356 |
| Return on Equity (ROE) | 16.6145% | 470 |
| Retained earnings to average equity (ytd only) | 5.2383% | 2,719 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2368% | 4,171 |
| Assets per employee ($millions) | 4.0489% | 3,900 |
| Cash dividends to net income (ytd only)* | 68.4723% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,614 |
| Loan loss allowance to noncurrent loans | 54.0955% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 1.9051% | 705 |
| Noncurrent loans to loans | 2.3207% | 683 |
| Net loans and leases to total assets | 81.0609% | 830 |
| Net loans and leases to deposits | 93.2110% | 1,394 |
| Net loans and leases to core deposits | 100.8746% | 1,635 |
| Total domestic deposits to total assets | 86.9649% | 1,883 |
| Equity capital to assets | 9.5335% | 4,413 |
| Core capital (leverage) ratio | 9.6809% | 3,956 |
| Tier 1 risk-based capital ratio | 11.5820% | 4,900 |
| Total risk-based capital ratio | 12.8319% | 4,786 |
| Memoranda: | ||
| Average total assets | $86,687,000 | 4,519 |
| Average earning assets | $82,714,250 | 4,467 |
| Average equity | $8,297,750 | 4,781 |
| Average total loans | $69,117,750 | 4,014 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 1,009 |
| Cost of funding earning assets | 0.6341% | 1,233 |
| Net interest margin | 4.0902% | 1,354 |
| Noninterest income to average assets | 0.5868% | 2,525 |
| Noninterest expense to average assets | 2.6173% | 3,379 |
| Loan and lease loss provision to assets | 0.1397% | 1,473 |
| Net operating income to assets | 1.7068% | 562 |
| Return on assets (ROA) | 1.7068% | 566 |
| Pretax return on assets | 1.7348% | 976 |
| Return on Equity (ROE) | 17.8064% | 348 |
| Retained earnings to average equity (ytd only) | 4.4941% | 3,036 |
| Net charge-offs to loans | -0.0030% | 4,229 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2685% | 4,559 |
| Assets per employee ($millions) | 3.8609% | 4,185 |
| Cash dividends to net income (ytd only)* | 74.7613% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,777 |
| Loan loss allowance to noncurrent loans | 124.3357% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 2,197 |
| Noncurrent loans to loans | 0.9947% | 1,973 |
| Net loans and leases to total assets | 79.9493% | 965 |
| Net loans and leases to deposits | 90.9167% | 1,618 |
| Net loans and leases to core deposits | 96.9798% | 1,887 |
| Total domestic deposits to total assets | 87.9369% | 1,485 |
| Equity capital to assets | 9.4178% | 4,498 |
| Core capital (leverage) ratio | 9.8326% | 3,739 |
| Tier 1 risk-based capital ratio | 11.5005% | 4,958 |
| Total risk-based capital ratio | 12.7240% | 4,872 |
| Memoranda: | ||
| Average total assets | $85,891,000 | 4,560 |
| Average earning assets | $82,000,330 | 4,505 |
| Average equity | $8,233,000 | 4,818 |
| Average total loans | $67,782,670 | 4,067 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 532 |
| Cost of funding earning assets | 0.6456% | 1,098 |
| Net interest margin | 4.3502% | 706 |
| Noninterest income to average assets | 0.3553% | 3,995 |
| Noninterest expense to average assets | 2.6860% | 3,194 |
| Loan and lease loss provision to assets | 0.1421% | 1,323 |
| Net operating income to assets | 1.6486% | 611 |
| Return on assets (ROA) | 1.6486% | 627 |
| Pretax return on assets | 1.6770% | 1,056 |
| Return on Equity (ROE) | 17.0421% | 406 |
| Retained earnings to average equity (ytd only) | 4.7013% | 3,053 |
| Net charge-offs to loans | 0.0183% | 2,425 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 428 |
| Efficiency ratio | 59.6215% | 4,509 |
| Assets per employee ($millions) | 3.6778% | 4,545 |
| Cash dividends to net income (ytd only)* | 72.4138% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,498 |
| Loan loss allowance to noncurrent loans | 224.4094% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 3,390 |
| Noncurrent loans to loans | 0.5832% | 3,061 |
| Net loans and leases to total assets | 76.2250% | 1,378 |
| Net loans and leases to deposits | 84.8451% | 2,179 |
| Net loans and leases to core deposits | 90.5425% | 2,306 |
| Total domestic deposits to total assets | 89.8403% | 729 |
| Equity capital to assets | 9.7389% | 4,027 |
| Core capital (leverage) ratio | 9.7805% | 3,776 |
| Tier 1 risk-based capital ratio | 12.2420% | 4,549 |
| Total risk-based capital ratio | 13.4918% | 4,454 |
| Memoranda: | ||
| Average total assets | $84,436,500 | 4,633 |
| Average earning assets | $80,548,500 | 4,573 |
| Average equity | $8,168,000 | 4,867 |
| Average total loans | $65,732,000 | 4,137 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 973 |
| Cost of funding earning assets | 0.6737% | 936 |
| Net interest margin | 4.0714% | 1,448 |
| Noninterest income to average assets | 0.6942% | 2,206 |
| Noninterest expense to average assets | 2.6454% | 3,539 |
| Loan and lease loss provision to assets | 0.1313% | 1,898 |
| Net operating income to assets | 1.7676% | 470 |
| Return on assets (ROA) | 1.7676% | 491 |
| Pretax return on assets | 1.7968% | 808 |
| Return on Equity (ROE) | 18.6904% | 280 |
| Retained earnings to average equity (ytd only) | 7.8541% | 902 |
| Net charge-offs to loans | 0.0655% | 2,762 |
| Credit loss provision to net charge-offs | 257.1429% | 1,122 |
| Earnings coverage of net charge-offs (x) | 37.7619% | 1,226 |
| Efficiency ratio | 57.8416% | 4,872 |
| Assets per employee ($millions) | 4.0135% | 3,942 |
| Cash dividends to net income (ytd only)* | 57.9780% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,801 |
| Loan loss allowance to noncurrent loans | 262.0253% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,779 |
| Noncurrent loans to loans | 0.4778% | 3,439 |
| Net loans and leases to total assets | 77.4797% | 1,284 |
| Net loans and leases to deposits | 86.0325% | 2,162 |
| Net loans and leases to core deposits | 91.4903% | 2,349 |
| Total domestic deposits to total assets | 90.0586% | 611 |
| Equity capital to assets | 9.6080% | 4,160 |
| Core capital (leverage) ratio | 9.4899% | 4,097 |
| Tier 1 risk-based capital ratio | 12.2640% | 4,528 |
| Total risk-based capital ratio | 13.5067% | 4,414 |
| Memoranda: | ||
| Average total assets | $82,256,200 | 4,690 |
| Average earning assets | $78,375,200 | 4,619 |
| Average equity | $7,779,400 | 4,968 |
| Average total loans | $64,106,600 | 4,174 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 905 |
| Cost of funding earning assets | 0.6609% | 1,001 |
| Net interest margin | 4.1352% | 1,296 |
| Noninterest income to average assets | 0.6850% | 2,240 |
| Noninterest expense to average assets | 2.6634% | 3,455 |
| Loan and lease loss provision to assets | 0.1321% | 1,776 |
| Net operating income to assets | 1.8022% | 490 |
| Return on assets (ROA) | 1.8022% | 518 |
| Pretax return on assets | 1.8283% | 845 |
| Return on Equity (ROE) | 19.1344% | 285 |
| Retained earnings to average equity (ytd only) | 5.1948% | 2,700 |
| Net charge-offs to loans | 0.0398% | 2,840 |
| Credit loss provision to net charge-offs | 426.3158% | 803 |
| Earnings coverage of net charge-offs (x) | 63.2700% | 915 |
| Efficiency ratio | 57.6014% | 4,873 |
| Assets per employee ($millions) | 3.9124% | 4,105 |
| Cash dividends to net income (ytd only)* | 72.8507% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,992 |
| Loan loss allowance to noncurrent loans | 121.5657% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 2,586 |
| Noncurrent loans to loans | 1.0234% | 2,197 |
| Net loans and leases to total assets | 75.8981% | 1,535 |
| Net loans and leases to deposits | 86.2277% | 2,237 |
| Net loans and leases to core deposits | 91.7076% | 2,421 |
| Total domestic deposits to total assets | 88.0205% | 1,397 |
| Equity capital to assets | 9.1900% | 4,986 |
| Core capital (leverage) ratio | 9.6067% | 4,047 |
| Tier 1 risk-based capital ratio | 11.8670% | 4,879 |
| Total risk-based capital ratio | 13.1096% | 4,774 |
| Memoranda: | ||
| Average total assets | $81,749,250 | 4,741 |
| Average earning assets | $77,866,250 | 4,667 |
| Average equity | $7,699,750 | 5,030 |
| Average total loans | $63,600,500 | 4,215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 752 |
| Cost of funding earning assets | 0.6484% | 1,059 |
| Net interest margin | 4.2352% | 1,048 |
| Noninterest income to average assets | 0.6126% | 2,553 |
| Noninterest expense to average assets | 2.7145% | 3,343 |
| Loan and lease loss provision to assets | 0.1345% | 1,696 |
| Net operating income to assets | 1.7707% | 500 |
| Return on assets (ROA) | 1.7707% | 532 |
| Pretax return on assets | 1.7981% | 883 |
| Return on Equity (ROE) | 18.6378% | 318 |
| Retained earnings to average equity (ytd only) | 3.4864% | 3,676 |
| Net charge-offs to loans | 0.0574% | 2,364 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 43.1111% | 1,102 |
| Efficiency ratio | 58.4137% | 4,843 |
| Assets per employee ($millions) | 3.5363% | 4,695 |
| Cash dividends to net income (ytd only)* | 81.2940% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 3,174 |
| Loan loss allowance to noncurrent loans | 188.6525% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,475 |
| Noncurrent loans to loans | 0.6532% | 3,119 |
| Net loans and leases to total assets | 78.6375% | 1,120 |
| Net loans and leases to deposits | 89.8843% | 1,768 |
| Net loans and leases to core deposits | 95.6025% | 2,011 |
| Total domestic deposits to total assets | 87.4874% | 1,672 |
| Equity capital to assets | 9.5360% | 4,728 |
| Core capital (leverage) ratio | 9.5151% | 4,190 |
| Tier 1 risk-based capital ratio | 12.0293% | 4,805 |
| Total risk-based capital ratio | 13.2772% | 4,721 |
| Memoranda: | ||
| Average total assets | $80,308,330 | 4,811 |
| Average earning assets | $76,501,330 | 4,746 |
| Average equity | $7,629,670 | 5,084 |
| Average total loans | $62,750,670 | 4,265 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 952 |
| Cost of funding earning assets | 0.6317% | 1,140 |
| Net interest margin | 4.1168% | 1,292 |
| Noninterest income to average assets | 0.4261% | 3,641 |
| Noninterest expense to average assets | 2.6919% | 3,445 |
| Loan and lease loss provision to assets | 0.1353% | 1,558 |
| Net operating income to assets | 1.4938% | 868 |
| Return on assets (ROA) | 1.4938% | 910 |
| Pretax return on assets | 1.5189% | 1,532 |
| Return on Equity (ROE) | 15.7537% | 564 |
| Retained earnings to average equity (ytd only) | -0.2115% | 5,145 |
| Net charge-offs to loans | -0.0065% | 4,373 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9377% | 4,453 |
| Assets per employee ($millions) | 3.7023% | 4,467 |
| Cash dividends to net income (ytd only)* | 101.3423% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 3,038 |
| Loan loss allowance to noncurrent loans | 105.6150% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 2,399 |
| Noncurrent loans to loans | 1.2054% | 2,018 |
| Net loans and leases to total assets | 75.2158% | 1,513 |
| Net loans and leases to deposits | 85.6659% | 2,094 |
| Net loans and leases to core deposits | 90.7413% | 2,299 |
| Total domestic deposits to total assets | 87.8013% | 1,748 |
| Equity capital to assets | 9.3111% | 4,875 |
| Core capital (leverage) ratio | 9.4749% | 4,241 |
| Tier 1 risk-based capital ratio | 12.1134% | 4,848 |
| Total risk-based capital ratio | 13.3640% | 4,745 |
| Memoranda: | ||
| Average total assets | $79,795,500 | 4,863 |
| Average earning assets | $75,981,000 | 4,796 |
| Average equity | $7,566,500 | 5,127 |
| Average total loans | $61,747,500 | 4,318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 1,022 |
| Cost of funding earning assets | 0.5338% | 1,888 |
| Net interest margin | 4.2083% | 1,156 |
| Noninterest income to average assets | 0.6175% | 2,632 |
| Noninterest expense to average assets | 2.7246% | 3,502 |
| Loan and lease loss provision to assets | 0.1466% | 1,611 |
| Net operating income to assets | 1.7148% | 561 |
| Return on assets (ROA) | 1.7148% | 582 |
| Pretax return on assets | 1.7418% | 912 |
| Return on Equity (ROE) | 18.6491% | 338 |
| Retained earnings to average equity (ytd only) | 9.8912% | 476 |
| Net charge-offs to loans | 0.0659% | 2,916 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 38.6316% | 1,210 |
| Efficiency ratio | 59.0630% | 5,020 |
| Assets per employee ($millions) | 3.5518% | 4,723 |
| Cash dividends to net income (ytd only)* | 46.9617% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 3,244 |
| Loan loss allowance to noncurrent loans | 115.9817% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 2,565 |
| Noncurrent loans to loans | 1.0693% | 2,205 |
| Net loans and leases to total assets | 77.6542% | 1,172 |
| Net loans and leases to deposits | 89.6677% | 1,656 |
| Net loans and leases to core deposits | 93.8272% | 2,061 |
| Total domestic deposits to total assets | 86.6023% | 2,325 |
| Equity capital to assets | 9.6609% | 4,355 |
| Core capital (leverage) ratio | 9.6514% | 3,978 |
| Tier 1 risk-based capital ratio | 12.3378% | 4,740 |
| Total risk-based capital ratio | 13.5817% | 4,634 |
| Memoranda: | ||
| Average total assets | $77,736,200 | 4,916 |
| Average earning assets | $73,806,400 | 4,861 |
| Average equity | $7,147,800 | 5,217 |
| Average total loans | $57,681,400 | 4,436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 1,214 |
| Cost of funding earning assets | 0.5286% | 1,976 |
| Net interest margin | 4.1200% | 1,354 |
| Noninterest income to average assets | 0.5667% | 2,938 |
| Noninterest expense to average assets | 2.7410% | 3,420 |
| Loan and lease loss provision to assets | 0.1237% | 1,843 |
| Net operating income to assets | 1.5886% | 788 |
| Return on assets (ROA) | 1.5886% | 829 |
| Pretax return on assets | 1.6109% | 1,350 |
| Return on Equity (ROE) | 17.4998% | 437 |
| Retained earnings to average equity (ytd only) | 6.3756% | 2,032 |
| Net charge-offs to loans | 0.0305% | 3,318 |
| Credit loss provision to net charge-offs | 553.8462% | 603 |
| Earnings coverage of net charge-offs (x) | 77.7051% | 761 |
| Efficiency ratio | 61.2433% | 4,681 |
| Assets per employee ($millions) | 3.2752% | 5,162 |
| Cash dividends to net income (ytd only)* | 63.5677% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 3,353 |
| Loan loss allowance to noncurrent loans | 54.3732% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7454% | 1,240 |
| Noncurrent loans to loans | 2.3025% | 928 |
| Net loans and leases to total assets | 74.8566% | 1,573 |
| Net loans and leases to deposits | 86.4089% | 2,099 |
| Net loans and leases to core deposits | 90.3911% | 2,425 |
| Total domestic deposits to total assets | 86.6306% | 2,221 |
| Equity capital to assets | 9.2068% | 5,105 |
| Core capital (leverage) ratio | 9.0883% | 4,898 |
| Tier 1 risk-based capital ratio | 11.7382% | 5,244 |
| Total risk-based capital ratio | 12.9564% | 5,182 |
| Memoranda: | ||
| Average total assets | $77,635,250 | 4,972 |
| Average earning assets | $73,654,500 | 4,916 |
| Average equity | $7,047,500 | 5,302 |
| Average total loans | $56,741,500 | 4,517 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,144 |
| Cost of funding earning assets | 0.5155% | 2,109 |
| Net interest margin | 4.1458% | 1,235 |
| Noninterest income to average assets | 0.5458% | 3,067 |
| Noninterest expense to average assets | 2.7421% | 3,441 |
| Loan and lease loss provision to assets | 0.1242% | 1,780 |
| Net operating income to assets | 1.5884% | 764 |
| Return on assets (ROA) | 1.5884% | 794 |
| Pretax return on assets | 1.6117% | 1,297 |
| Return on Equity (ROE) | 17.5822% | 440 |
| Retained earnings to average equity (ytd only) | 5.9276% | 2,290 |
| Net charge-offs to loans | 0.0430% | 2,841 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 55.9167% | 884 |
| Efficiency ratio | 61.2363% | 4,793 |
| Assets per employee ($millions) | 3.5876% | 4,643 |
| Cash dividends to net income (ytd only)* | 66.2866% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,633 |
| Loan loss allowance to noncurrent loans | 48.1976% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 1,190 |
| Noncurrent loans to loans | 2.5468% | 868 |
| Net loans and leases to total assets | 73.6098% | 1,724 |
| Net loans and leases to deposits | 86.8171% | 1,966 |
| Net loans and leases to core deposits | 91.2515% | 2,220 |
| Total domestic deposits to total assets | 84.7872% | 3,220 |
| Equity capital to assets | 8.9184% | 5,322 |
| Core capital (leverage) ratio | 9.0849% | 4,847 |
| Tier 1 risk-based capital ratio | 11.7062% | 5,335 |
| Total risk-based capital ratio | 12.9037% | 5,285 |
| Memoranda: | ||
| Average total assets | $77,312,000 | 5,031 |
| Average earning assets | $73,328,000 | 4,973 |
| Average equity | $6,984,330 | 5,362 |
| Average total loans | $55,793,000 | 4,592 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,283 |
| Cost of funding earning assets | 0.5088% | 2,215 |
| Net interest margin | 4.0648% | 1,374 |
| Noninterest income to average assets | 0.5438% | 2,997 |
| Noninterest expense to average assets | 2.8024% | 3,248 |
| Loan and lease loss provision to assets | 0.1255% | 1,654 |
| Net operating income to assets | 1.4378% | 965 |
| Return on assets (ROA) | 1.4378% | 1,021 |
| Pretax return on assets | 1.4587% | 1,702 |
| Return on Equity (ROE) | 15.8114% | 595 |
| Retained earnings to average equity (ytd only) | 6.4396% | 2,265 |
| Net charge-offs to loans | 0.0074% | 3,082 |
| Credit loss provision to net charge-offs | 2,400.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 186 |
| Efficiency ratio | 63.8856% | 4,505 |
| Assets per employee ($millions) | 3.4993% | 4,900 |
| Cash dividends to net income (ytd only)* | 59.2727% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,431 |
| Loan loss allowance to noncurrent loans | 150.8511% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 3,653 |
| Noncurrent loans to loans | 0.8582% | 3,098 |
| Net loans and leases to total assets | 70.2198% | 2,112 |
| Net loans and leases to deposits | 79.9225% | 2,568 |
| Net loans and leases to core deposits | 83.6319% | 2,814 |
| Total domestic deposits to total assets | 87.8598% | 1,902 |
| Equity capital to assets | 9.1422% | 5,147 |
| Core capital (leverage) ratio | 9.0942% | 4,851 |
| Tier 1 risk-based capital ratio | 12.2865% | 5,054 |
| Total risk-based capital ratio | 13.5359% | 4,967 |
| Memoranda: | ||
| Average total assets | $76,504,500 | 5,099 |
| Average earning assets | $72,328,500 | 5,046 |
| Average equity | $6,957,000 | 5,412 |
| Average total loans | $54,279,500 | 4,663 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,694 |
| Cost of funding earning assets | 0.4640% | 3,035 |
| Net interest margin | 4.0867% | 1,623 |
| Noninterest income to average assets | 0.6468% | 2,571 |
| Noninterest expense to average assets | 2.8177% | 3,419 |
| Loan and lease loss provision to assets | 0.1257% | 2,083 |
| Net operating income to assets | 1.5660% | 765 |
| Return on assets (ROA) | 1.5660% | 797 |
| Pretax return on assets | 1.5911% | 1,264 |
| Return on Equity (ROE) | 17.0718% | 483 |
| Retained earnings to average equity (ytd only) | 7.2643% | 1,289 |
| Net charge-offs to loans | 0.0939% | 3,159 |
| Credit loss provision to net charge-offs | 191.4894% | 1,291 |
| Earnings coverage of net charge-offs (x) | 26.1489% | 1,474 |
| Efficiency ratio | 62.1380% | 4,892 |
| Assets per employee ($millions) | 3.4557% | 4,971 |
| Cash dividends to net income (ytd only)* | 57.4487% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,568 |
| Loan loss allowance to noncurrent loans | 64.6560% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 1,994 |
| Noncurrent loans to loans | 1.9724% | 1,417 |
| Net loans and leases to total assets | 69.8533% | 2,258 |
| Net loans and leases to deposits | 79.3302% | 2,802 |
| Net loans and leases to core deposits | 83.0521% | 2,986 |
| Total domestic deposits to total assets | 88.0539% | 1,742 |
| Equity capital to assets | 9.0444% | 5,240 |
| Core capital (leverage) ratio | 8.4479% | 5,613 |
| Tier 1 risk-based capital ratio | 12.0463% | 5,330 |
| Total risk-based capital ratio | 13.2527% | 5,266 |
| Memoranda: | ||
| Average total assets | $71,584,200 | 5,241 |
| Average earning assets | $68,099,400 | 5,166 |
| Average equity | $6,566,400 | 5,505 |
| Average total loans | $50,065,000 | 4,816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,663 |
| Cost of funding earning assets | 0.4498% | 3,253 |
| Net interest margin | 4.1139% | 1,532 |
| Noninterest income to average assets | 0.6830% | 2,414 |
| Noninterest expense to average assets | 2.8360% | 3,329 |
| Loan and lease loss provision to assets | 0.1286% | 1,948 |
| Net operating income to assets | 1.6176% | 719 |
| Return on assets (ROA) | 1.6176% | 748 |
| Pretax return on assets | 1.6460% | 1,190 |
| Return on Equity (ROE) | 17.5677% | 483 |
| Retained earnings to average equity (ytd only) | 5.1573% | 2,983 |
| Net charge-offs to loans | 0.1276% | 2,516 |
| Credit loss provision to net charge-offs | 144.6809% | 1,631 |
| Earnings coverage of net charge-offs (x) | 19.9560% | 1,761 |
| Efficiency ratio | 61.5101% | 4,962 |
| Assets per employee ($millions) | 3.4737% | 4,911 |
| Cash dividends to net income (ytd only)* | 70.6431% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,924 |
| Loan loss allowance to noncurrent loans | 57.9407% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 1,947 |
| Noncurrent loans to loans | 2.1635% | 1,417 |
| Net loans and leases to total assets | 71.7041% | 1,905 |
| Net loans and leases to deposits | 83.1759% | 2,265 |
| Net loans and leases to core deposits | 85.9081% | 2,678 |
| Total domestic deposits to total assets | 86.2078% | 2,750 |
| Equity capital to assets | 9.1381% | 5,225 |
| Core capital (leverage) ratio | 9.2192% | 4,753 |
| Tier 1 risk-based capital ratio | 11.8358% | 5,594 |
| Total risk-based capital ratio | 13.0222% | 5,552 |
| Memoranda: | ||
| Average total assets | $70,474,000 | 5,328 |
| Average earning assets | $67,282,500 | 5,247 |
| Average equity | $6,489,000 | 5,579 |
| Average total loans | $49,133,250 | 4,896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,609 |
| Cost of funding earning assets | 0.4344% | 3,501 |
| Net interest margin | 4.1361% | 1,409 |
| Noninterest income to average assets | 0.7150% | 2,209 |
| Noninterest expense to average assets | 2.8629% | 3,299 |
| Loan and lease loss provision to assets | 0.1292% | 1,912 |
| Net operating income to assets | 1.6856% | 589 |
| Return on assets (ROA) | 1.6856% | 627 |
| Pretax return on assets | 1.7143% | 989 |
| Return on Equity (ROE) | 18.2582% | 438 |
| Retained earnings to average equity (ytd only) | 4.6345% | 3,208 |
| Net charge-offs to loans | -0.0042% | 5,147 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8298% | 5,169 |
| Assets per employee ($millions) | 3.3472% | 5,158 |
| Cash dividends to net income (ytd only)* | 74.6167% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 3,503 |
| Loan loss allowance to noncurrent loans | 115.0250% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8522% | 3,410 |
| Noncurrent loans to loans | 1.1884% | 2,852 |
| Net loans and leases to total assets | 70.7288% | 1,963 |
| Net loans and leases to deposits | 78.3979% | 2,747 |
| Net loans and leases to core deposits | 80.9509% | 3,104 |
| Total domestic deposits to total assets | 90.2178% | 703 |
| Equity capital to assets | 9.4109% | 4,831 |
| Core capital (leverage) ratio | 9.1960% | 4,747 |
| Tier 1 risk-based capital ratio | 12.4957% | 5,230 |
| Total risk-based capital ratio | 13.7470% | 5,155 |
| Memoranda: | ||
| Average total assets | $69,649,670 | 5,402 |
| Average earning assets | $67,213,670 | 5,290 |
| Average equity | $6,430,000 | 5,625 |
| Average total loans | $47,854,330 | 4,971 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 1,642 |
| Cost of funding earning assets | 0.4245% | 3,706 |
| Net interest margin | 4.1253% | 1,401 |
| Noninterest income to average assets | 0.5885% | 2,801 |
| Noninterest expense to average assets | 2.8329% | 3,449 |
| Loan and lease loss provision to assets | 0.1327% | 1,826 |
| Net operating income to assets | 1.5751% | 696 |
| Return on assets (ROA) | 1.5751% | 724 |
| Pretax return on assets | 1.6039% | 1,163 |
| Return on Equity (ROE) | 17.2308% | 511 |
| Retained earnings to average equity (ytd only) | 5.1755% | 3,009 |
| Net charge-offs to loans | 0.0773% | 2,379 |
| Credit loss provision to net charge-offs | 255.5556% | 894 |
| Earnings coverage of net charge-offs (x) | 33.4444% | 985 |
| Efficiency ratio | 61.9949% | 5,119 |
| Assets per employee ($millions) | 3.5171% | 4,890 |
| Cash dividends to net income (ytd only)* | 69.9634% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 3,451 |
| Loan loss allowance to noncurrent loans | 142.5163% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 4,157 |
| Noncurrent loans to loans | 1.0051% | 3,412 |
| Net loans and leases to total assets | 64.2703% | 2,846 |
| Net loans and leases to deposits | 70.9873% | 3,479 |
| Net loans and leases to core deposits | 73.5883% | 3,689 |
| Total domestic deposits to total assets | 90.5377% | 776 |
| Equity capital to assets | 9.0998% | 5,001 |
| Core capital (leverage) ratio | 9.3353% | 4,520 |
| Tier 1 risk-based capital ratio | 13.1920% | 4,898 |
| Total risk-based capital ratio | 14.4448% | 4,832 |
| Memoranda: | ||
| Average total assets | $69,329,000 | 5,465 |
| Average earning assets | $66,905,000 | 5,355 |
| Average equity | $6,337,500 | 5,685 |
| Average total loans | $46,579,000 | 5,060 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 1,583 |
| Cost of funding earning assets | 0.4053% | 4,591 |
| Net interest margin | 4.2901% | 1,132 |
| Noninterest income to average assets | 0.9434% | 1,542 |
| Noninterest expense to average assets | 2.9832% | 3,101 |
| Loan and lease loss provision to assets | 0.2436% | 1,480 |
| Net operating income to assets | 1.7739% | 507 |
| Return on assets (ROA) | 1.7739% | 524 |
| Pretax return on assets | 1.8051% | 750 |
| Return on Equity (ROE) | 19.6433% | 300 |
| Retained earnings to average equity (ytd only) | 9.3117% | 705 |
| Net charge-offs to loans | 0.0865% | 3,996 |
| Credit loss provision to net charge-offs | 410.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 34.4750% | 1,068 |
| Efficiency ratio | 59.2855% | 5,562 |
| Assets per employee ($millions) | 3.4158% | 5,049 |
| Cash dividends to net income (ytd only)* | 52.5963% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,843 |
| Loan loss allowance to noncurrent loans | 197.8462% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 4,810 |
| Noncurrent loans to loans | 0.6872% | 4,255 |
| Net loans and leases to total assets | 68.2842% | 2,302 |
| Net loans and leases to deposits | 75.4216% | 3,041 |
| Net loans and leases to core deposits | 77.9419% | 3,371 |
| Total domestic deposits to total assets | 90.5366% | 788 |
| Equity capital to assets | 9.1838% | 4,823 |
| Core capital (leverage) ratio | 9.3110% | 4,532 |
| Tier 1 risk-based capital ratio | 12.7153% | 5,166 |
| Total risk-based capital ratio | 13.9644% | 5,110 |
| Memoranda: | ||
| Average total assets | $67,310,600 | 5,559 |
| Average earning assets | $64,147,000 | 5,459 |
| Average equity | $6,078,400 | 5,804 |
| Average total loans | $46,235,400 | 5,108 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 1,516 |
| Cost of funding earning assets | 0.3956% | 4,855 |
| Net interest margin | 4.3386% | 1,010 |
| Noninterest income to average assets | 1.0080% | 1,429 |
| Noninterest expense to average assets | 2.9923% | 3,022 |
| Loan and lease loss provision to assets | 0.2823% | 1,228 |
| Net operating income to assets | 1.8312% | 494 |
| Return on assets (ROA) | 1.8312% | 510 |
| Pretax return on assets | 1.8550% | 789 |
| Return on Equity (ROE) | 20.3660% | 280 |
| Retained earnings to average equity (ytd only) | 7.2973% | 1,737 |
| Net charge-offs to loans | 0.1160% | 3,386 |
| Credit loss provision to net charge-offs | 355.0000% | 739 |
| Earnings coverage of net charge-offs (x) | 26.8761% | 1,331 |
| Efficiency ratio | 58.3333% | 5,645 |
| Assets per employee ($millions) | 3.6968% | 4,457 |
| Cash dividends to net income (ytd only)* | 64.1693% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 4,774 |
| Loan loss allowance to noncurrent loans | 263.1356% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 5,199 |
| Noncurrent loans to loans | 0.4645% | 5,029 |
| Net loans and leases to total assets | 71.4550% | 1,691 |
| Net loans and leases to deposits | 86.6361% | 1,537 |
| Net loans and leases to core deposits | 86.6361% | 2,331 |
| Total domestic deposits to total assets | 82.4772% | 4,774 |
| Equity capital to assets | 8.6688% | 5,549 |
| Core capital (leverage) ratio | 8.8965% | 5,265 |
| Tier 1 risk-based capital ratio | 11.0227% | 6,273 |
| Total risk-based capital ratio | 12.1383% | 6,296 |
| Memoranda: | ||
| Average total assets | $67,059,250 | 5,623 |
| Average earning assets | $63,705,000 | 5,535 |
| Average equity | $6,029,500 | 5,888 |
| Average total loans | $45,971,250 | 5,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 1,358 |
| Cost of funding earning assets | 0.3876% | 5,055 |
| Net interest margin | 4.3985% | 850 |
| Noninterest income to average assets | 1.0667% | 1,348 |
| Noninterest expense to average assets | 3.0425% | 2,865 |
| Loan and lease loss provision to assets | 0.2091% | 1,813 |
| Net operating income to assets | 1.9515% | 385 |
| Return on assets (ROA) | 1.9515% | 415 |
| Pretax return on assets | 1.9758% | 632 |
| Return on Equity (ROE) | 21.4321% | 226 |
| Retained earnings to average equity (ytd only) | 7.0220% | 1,885 |
| Net charge-offs to loans | 0.0180% | 4,480 |
| Credit loss provision to net charge-offs | 1,725.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 180.2500% | 275 |
| Efficiency ratio | 58.2029% | 5,706 |
| Assets per employee ($millions) | 3.7978% | 4,211 |
| Cash dividends to net income (ytd only)* | 67.2360% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,994 |
| Loan loss allowance to noncurrent loans | 386.7550% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 5,585 |
| Noncurrent loans to loans | 0.3102% | 5,522 |
| Net loans and leases to total assets | 70.3452% | 1,825 |
| Net loans and leases to deposits | 84.5043% | 1,735 |
| Net loans and leases to core deposits | 84.5043% | 2,491 |
| Total domestic deposits to total assets | 83.2446% | 4,613 |
| Equity capital to assets | 8.6191% | 5,646 |
| Core capital (leverage) ratio | 9.0717% | 4,874 |
| Tier 1 risk-based capital ratio | 10.3454% | 6,557 |
| Total risk-based capital ratio | 11.3488% | 6,589 |
| Memoranda: | ||
| Average total assets | $65,999,000 | 5,692 |
| Average earning assets | $62,430,670 | 5,611 |
| Average equity | $6,009,670 | 5,934 |
| Average total loans | $44,358,000 | 5,251 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 1,153 |
| Cost of funding earning assets | 0.4224% | 4,888 |
| Net interest margin | 4.4481% | 737 |
| Noninterest income to average assets | 0.7344% | 2,406 |
| Noninterest expense to average assets | 3.1226% | 2,609 |
| Loan and lease loss provision to assets | 0.1419% | 2,465 |
| Net operating income to assets | 1.6045% | 704 |
| Return on assets (ROA) | 1.6045% | 766 |
| Pretax return on assets | 1.6292% | 1,241 |
| Return on Equity (ROE) | 17.1377% | 501 |
| Retained earnings to average equity (ytd only) | 7.4483% | 1,964 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8083% | 5,035 |
| Assets per employee ($millions) | 3.6301% | 4,716 |
| Cash dividends to net income (ytd only)* | 56.5385% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 4,558 |
| Loan loss allowance to noncurrent loans | 3,871.4286% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 6,299 |
| Noncurrent loans to loans | 0.0344% | 6,390 |
| Net loans and leases to total assets | 61.5316% | 3,163 |
| Net loans and leases to deposits | 68.1134% | 3,763 |
| Net loans and leases to core deposits | 68.1134% | 4,290 |
| Total domestic deposits to total assets | 90.3370% | 860 |
| Equity capital to assets | 9.3202% | 5,106 |
| Core capital (leverage) ratio | 8.7374% | 5,280 |
| Tier 1 risk-based capital ratio | 11.6730% | 6,101 |
| Total risk-based capital ratio | 12.7408% | 6,166 |
| Memoranda: | ||
| Average total assets | $64,818,500 | 5,783 |
| Average earning assets | $60,610,000 | 5,728 |
| Average equity | $6,068,500 | 5,964 |
| Average total loans | $42,201,000 | 5,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 2,155 |
| Cost of funding earning assets | 0.6059% | 4,285 |
| Net interest margin | 4.2032% | 1,652 |
| Noninterest income to average assets | 0.9362% | 1,758 |
| Noninterest expense to average assets | 3.0808% | 2,981 |
| Loan and lease loss provision to assets | 0.2001% | 3,137 |
| Net operating income to assets | 1.5572% | 818 |
| Return on assets (ROA) | 1.5572% | 900 |
| Pretax return on assets | 1.5636% | 1,479 |
| Return on Equity (ROE) | 17.0894% | 523 |
| Retained earnings to average equity (ytd only) | 10.4679% | 512 |
| Net charge-offs to loans | 0.1434% | 4,260 |
| Credit loss provision to net charge-offs | 219.2982% | 1,148 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,390 |
| Efficiency ratio | 63.5943% | 4,963 |
| Assets per employee ($millions) | 3.2148% | 5,590 |
| Cash dividends to net income (ytd only)* | 38.7461% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,164 |
| Loan loss allowance to noncurrent loans | 332.6923% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 5,707 |
| Noncurrent loans to loans | 0.3574% | 5,593 |
| Net loans and leases to total assets | 67.0892% | 2,349 |
| Net loans and leases to deposits | 75.2517% | 2,912 |
| Net loans and leases to core deposits | 75.9138% | 3,546 |
| Total domestic deposits to total assets | 89.1531% | 1,469 |
| Equity capital to assets | 9.4051% | 4,994 |
| Core capital (leverage) ratio | 9.1565% | 4,649 |
| Tier 1 risk-based capital ratio | 12.0903% | 5,727 |
| Total risk-based capital ratio | 13.1696% | 5,794 |
| Memoranda: | ||
| Average total assets | $62,483,800 | 5,864 |
| Average earning assets | $58,098,000 | 5,811 |
| Average equity | $5,693,600 | 6,102 |
| Average total loans | $39,751,200 | 5,518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 2,312 |
| Cost of funding earning assets | 0.6399% | 4,282 |
| Net interest margin | 4.1810% | 1,794 |
| Noninterest income to average assets | 0.9780% | 1,572 |
| Noninterest expense to average assets | 3.1424% | 2,747 |
| Loan and lease loss provision to assets | 0.1462% | 3,714 |
| Net operating income to assets | 1.5626% | 930 |
| Return on assets (ROA) | 1.5626% | 1,024 |
| Pretax return on assets | 1.5798% | 1,641 |
| Return on Equity (ROE) | 17.2929% | 578 |
| Retained earnings to average equity (ytd only) | 9.4670% | 1,074 |
| Net charge-offs to loans | 0.1272% | 4,108 |
| Credit loss provision to net charge-offs | 183.7838% | 1,510 |
| Earnings coverage of net charge-offs (x) | 21.7036% | 1,391 |
| Efficiency ratio | 64.5475% | 4,706 |
| Assets per employee ($millions) | 3.1900% | 5,654 |
| Cash dividends to net income (ytd only)* | 45.2549% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 5,128 |
| Loan loss allowance to noncurrent loans | 964.0000% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 6,544 |
| Noncurrent loans to loans | 0.1279% | 6,287 |
| Net loans and leases to total assets | 60.5151% | 3,669 |
| Net loans and leases to deposits | 67.9264% | 4,191 |
| Net loans and leases to core deposits | 67.9264% | 4,731 |
| Total domestic deposits to total assets | 89.0892% | 1,378 |
| Equity capital to assets | 9.1882% | 5,607 |
| Core capital (leverage) ratio | 8.9404% | 5,139 |
| Tier 1 risk-based capital ratio | 12.1962% | 5,837 |
| Total risk-based capital ratio | 13.2431% | 5,928 |
| Memoranda: | ||
| Average total assets | $62,031,000 | 5,941 |
| Average earning assets | $57,719,750 | 5,887 |
| Average equity | $5,605,250 | 6,189 |
| Average total loans | $38,775,500 | 5,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 2,352 |
| Cost of funding earning assets | 0.6651% | 4,320 |
| Net interest margin | 4.1718% | 1,834 |
| Noninterest income to average assets | 0.9147% | 1,730 |
| Noninterest expense to average assets | 3.1379% | 2,787 |
| Loan and lease loss provision to assets | 0.1465% | 3,685 |
| Net operating income to assets | 1.5104% | 975 |
| Return on assets (ROA) | 1.5104% | 1,097 |
| Pretax return on assets | 1.5299% | 1,778 |
| Return on Equity (ROE) | 16.8126% | 667 |
| Retained earnings to average equity (ytd only) | 10.6166% | 825 |
| Net charge-offs to loans | 0.1552% | 3,674 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 17.1667% | 1,548 |
| Efficiency ratio | 65.1792% | 4,690 |
| Assets per employee ($millions) | 3.2356% | 5,584 |
| Cash dividends to net income (ytd only)* | 36.8534% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,444 |
| Loan loss allowance to noncurrent loans | 480.4124% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,307 |
| Noncurrent loans to loans | 0.2457% | 6,087 |
| Net loans and leases to total assets | 63.4611% | 3,152 |
| Net loans and leases to deposits | 70.1729% | 3,864 |
| Net loans and leases to core deposits | 70.5650% | 4,462 |
| Total domestic deposits to total assets | 90.4354% | 702 |
| Equity capital to assets | 9.2685% | 5,364 |
| Core capital (leverage) ratio | 8.8527% | 5,125 |
| Tier 1 risk-based capital ratio | 12.5125% | 5,557 |
| Total risk-based capital ratio | 13.5705% | 5,681 |
| Memoranda: | ||
| Average total assets | $61,441,670 | 5,996 |
| Average earning assets | $57,433,330 | 5,926 |
| Average equity | $5,519,670 | 6,236 |
| Average total loans | $38,670,670 | 5,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7289% | 2,937 |
| Cost of funding earning assets | 0.6816% | 4,447 |
| Net interest margin | 4.0473% | 2,312 |
| Noninterest income to average assets | 0.7424% | 2,437 |
| Noninterest expense to average assets | 3.0802% | 2,986 |
| Loan and lease loss provision to assets | 0.1498% | 3,493 |
| Net operating income to assets | 1.2503% | 1,601 |
| Return on assets (ROA) | 1.2503% | 1,773 |
| Pretax return on assets | 1.2633% | 2,683 |
| Return on Equity (ROE) | 14.1423% | 1,161 |
| Retained earnings to average equity (ytd only) | 12.6692% | 732 |
| Net charge-offs to loans | 0.4077% | 2,083 |
| Credit loss provision to net charge-offs | 58.9744% | 3,138 |
| Earnings coverage of net charge-offs (x) | 5.5641% | 2,339 |
| Efficiency ratio | 68.5507% | 4,060 |
| Assets per employee ($millions) | 3.2143% | 5,735 |
| Cash dividends to net income (ytd only)* | 10.4167% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 5,612 |
| Loan loss allowance to noncurrent loans | 154.2553% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 5,772 |
| Noncurrent loans to loans | 0.7615% | 5,137 |
| Net loans and leases to total assets | 56.9315% | 4,228 |
| Net loans and leases to deposits | 62.5154% | 4,843 |
| Net loans and leases to core deposits | 62.8471% | 5,238 |
| Total domestic deposits to total assets | 91.0680% | 522 |
| Equity capital to assets | 8.5851% | 6,005 |
| Core capital (leverage) ratio | 8.8646% | 5,040 |
| Tier 1 risk-based capital ratio | 12.7350% | 5,413 |
| Total risk-based capital ratio | 13.7624% | 5,556 |
| Memoranda: | ||
| Average total assets | $61,424,000 | 6,024 |
| Average earning assets | $56,927,000 | 5,978 |
| Average equity | $5,430,500 | 6,297 |
| Average total loans | $38,266,000 | 5,719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6185% | 919 |
| Cost of funding earning assets | 0.8482% | 4,482 |
| Net interest margin | 4.7704% | 661 |
| Noninterest income to average assets | 0.8020% | 2,047 |
| Noninterest expense to average assets | 3.4224% | 2,185 |
| Loan and lease loss provision to assets | 0.1091% | 5,230 |
| Net operating income to assets | 1.6839% | 569 |
| Return on assets (ROA) | 1.6839% | 603 |
| Pretax return on assets | 1.7094% | 968 |
| Return on Equity (ROE) | 18.5921% | 343 |
| Retained earnings to average equity (ytd only) | 11.2838% | 375 |
| Net charge-offs to loans | 0.4464% | 3,202 |
| Credit loss provision to net charge-offs | 34.2857% | 5,722 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 2,703 |
| Efficiency ratio | 65.3019% | 4,903 |
| Assets per employee ($millions) | 2.9281% | 6,231 |
| Cash dividends to net income (ytd only)* | 39.3089% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,658 |
| Loan loss allowance to noncurrent loans | 154.4521% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 5,726 |
| Noncurrent loans to loans | 0.7393% | 5,220 |
| Net loans and leases to total assets | 66.6763% | 2,647 |
| Net loans and leases to deposits | 73.5889% | 3,564 |
| Net loans and leases to core deposits | 74.0157% | 4,242 |
| Total domestic deposits to total assets | 90.6065% | 662 |
| Equity capital to assets | 9.1220% | 5,386 |
| Core capital (leverage) ratio | 8.9533% | 4,854 |
| Tier 1 risk-based capital ratio | 11.9781% | 5,848 |
| Total risk-based capital ratio | 13.0133% | 5,970 |
| Memoranda: | ||
| Average total assets | $54,990,400 | 6,200 |
| Average earning assets | $51,169,800 | 6,155 |
| Average equity | $4,980,600 | 6,451 |
| Average total loans | $39,203,800 | 5,730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 891 |
| Cost of funding earning assets | 0.8814% | 4,537 |
| Net interest margin | 4.7922% | 633 |
| Noninterest income to average assets | 0.8257% | 1,941 |
| Noninterest expense to average assets | 3.4406% | 2,101 |
| Loan and lease loss provision to assets | 0.1109% | 5,047 |
| Net operating income to assets | 1.7252% | 593 |
| Return on assets (ROA) | 1.7252% | 648 |
| Pretax return on assets | 1.7499% | 1,042 |
| Return on Equity (ROE) | 19.0851% | 376 |
| Retained earnings to average equity (ytd only) | 10.3604% | 753 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9000% | 4,915 |
| Assets per employee ($millions) | 2.7106% | 6,636 |
| Cash dividends to net income (ytd only)* | 45.7147% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 4,021 |
| Loan loss allowance to noncurrent loans | 85.4545% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 4,286 |
| Noncurrent loans to loans | 1.7743% | 3,674 |
| Net loans and leases to total assets | 69.7187% | 2,136 |
| Net loans and leases to deposits | 77.0079% | 3,166 |
| Net loans and leases to core deposits | 77.4678% | 3,980 |
| Total domestic deposits to total assets | 90.5346% | 621 |
| Equity capital to assets | 9.0789% | 5,661 |
| Core capital (leverage) ratio | 9.0819% | 4,807 |
| Tier 1 risk-based capital ratio | 11.3518% | 6,328 |
| Total risk-based capital ratio | 12.6254% | 6,311 |
| Memoranda: | ||
| Average total assets | $54,097,500 | 6,277 |
| Average earning assets | $50,525,250 | 6,222 |
| Average equity | $4,890,250 | 6,529 |
| Average total loans | $39,130,250 | 5,785 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 879 |
| Cost of funding earning assets | 0.9142% | 4,553 |
| Net interest margin | 4.7833% | 619 |
| Noninterest income to average assets | 0.8240% | 1,914 |
| Noninterest expense to average assets | 3.4427% | 2,143 |
| Loan and lease loss provision to assets | 0.1129% | 4,880 |
| Net operating income to assets | 1.7345% | 561 |
| Return on assets (ROA) | 1.7345% | 606 |
| Pretax return on assets | 1.7571% | 948 |
| Return on Equity (ROE) | 19.2177% | 365 |
| Retained earnings to average equity (ytd only) | 10.0882% | 826 |
| Net charge-offs to loans | 0.0103% | 5,708 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 248.5000% | 135 |
| Efficiency ratio | 64.8017% | 5,091 |
| Assets per employee ($millions) | 2.8868% | 6,330 |
| Cash dividends to net income (ytd only)* | 47.5054% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 4,097 |
| Loan loss allowance to noncurrent loans | 82.9847% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 4,142 |
| Noncurrent loans to loans | 1.8172% | 3,726 |
| Net loans and leases to total assets | 70.8514% | 2,045 |
| Net loans and leases to deposits | 78.2136% | 3,088 |
| Net loans and leases to core deposits | 78.6983% | 3,972 |
| Total domestic deposits to total assets | 90.5871% | 683 |
| Equity capital to assets | 9.1194% | 5,397 |
| Core capital (leverage) ratio | 8.8632% | 4,940 |
| Tier 1 risk-based capital ratio | 11.3081% | 6,316 |
| Total risk-based capital ratio | 12.5364% | 6,325 |
| Memoranda: | ||
| Average total assets | $53,155,670 | 6,364 |
| Average earning assets | $49,882,330 | 6,299 |
| Average equity | $4,797,670 | 6,601 |
| Average total loans | $38,741,330 | 5,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7699% | 780 |
| Cost of funding earning assets | 0.9399% | 4,649 |
| Net interest margin | 4.8301% | 536 |
| Noninterest income to average assets | 0.8641% | 1,799 |
| Noninterest expense to average assets | 3.5176% | 1,956 |
| Loan and lease loss provision to assets | 0.1147% | 4,576 |
| Net operating income to assets | 1.7282% | 556 |
| Return on assets (ROA) | 1.7282% | 585 |
| Pretax return on assets | 1.7511% | 896 |
| Return on Equity (ROE) | 19.2525% | 379 |
| Retained earnings to average equity (ytd only) | 13.6301% | 508 |
| Net charge-offs to loans | 0.0208% | 4,786 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 264 |
| Efficiency ratio | 65.3409% | 5,148 |
| Assets per employee ($millions) | 2.8145% | 6,506 |
| Cash dividends to net income (ytd only)* | 29.2035% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,960 |
| Loan loss allowance to noncurrent loans | 80.7531% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4249% | 4,141 |
| Noncurrent loans to loans | 1.9195% | 3,675 |
| Net loans and leases to total assets | 68.7692% | 2,388 |
| Net loans and leases to deposits | 75.8060% | 3,450 |
| Net loans and leases to core deposits | 76.2824% | 4,267 |
| Total domestic deposits to total assets | 90.7173% | 757 |
| Equity capital to assets | 8.9255% | 5,313 |
| Core capital (leverage) ratio | 9.1240% | 4,407 |
| Tier 1 risk-based capital ratio | 11.1414% | 6,406 |
| Total risk-based capital ratio | 12.2817% | 6,470 |
| Memoranda: | ||
| Average total assets | $52,308,500 | 6,443 |
| Average earning assets | $48,943,500 | 6,383 |
| Average equity | $4,695,500 | 6,655 |
| Average total loans | $38,383,500 | 5,924 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2931% | 470 |
| Cost of funding earning assets | 1.2739% | 4,059 |
| Net interest margin | 5.0192% | 412 |
| Noninterest income to average assets | 0.8180% | 2,193 |
| Noninterest expense to average assets | 3.5654% | 2,021 |
| Loan and lease loss provision to assets | 0.2215% | 5,057 |
| Net operating income to assets | 1.7140% | 498 |
| Return on assets (ROA) | 1.7219% | 536 |
| Pretax return on assets | 1.7478% | 855 |
| Return on Equity (ROE) | 19.5355% | 280 |
| Retained earnings to average equity (ytd only) | 14.1706% | 157 |
| Net charge-offs to loans | 0.0887% | 5,956 |
| Credit loss provision to net charge-offs | 326.4706% | 790 |
| Earnings coverage of net charge-offs (x) | 28.9118% | 749 |
| Efficiency ratio | 64.5126% | 5,259 |
| Assets per employee ($millions) | 2.6916% | 6,703 |
| Cash dividends to net income (ytd only)* | 27.4623% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 4,341 |
| Loan loss allowance to noncurrent loans | 70.1363% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 3,940 |
| Noncurrent loans to loans | 2.0475% | 3,488 |
| Net loans and leases to total assets | 75.9606% | 1,278 |
| Net loans and leases to deposits | 83.8503% | 2,474 |
| Net loans and leases to core deposits | 84.8651% | 3,475 |
| Total domestic deposits to total assets | 90.5907% | 797 |
| Equity capital to assets | 9.0299% | 5,097 |
| Core capital (leverage) ratio | 8.8816% | 4,725 |
| Tier 1 risk-based capital ratio | 10.4735% | 6,718 |
| Total risk-based capital ratio | 11.6072% | 6,767 |
| Memoranda: | ||
| Average total assets | $50,120,400 | 6,529 |
| Average earning assets | $47,019,600 | 6,480 |
| Average equity | $4,417,600 | 6,846 |
| Average total loans | $38,338,200 | 5,992 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 458 |
| Cost of funding earning assets | 1.3272% | 4,058 |
| Net interest margin | 5.0246% | 413 |
| Noninterest income to average assets | 0.8449% | 2,017 |
| Noninterest expense to average assets | 3.5187% | 1,996 |
| Loan and lease loss provision to assets | 0.1203% | 5,825 |
| Net operating income to assets | 1.9092% | 395 |
| Return on assets (ROA) | 1.9198% | 428 |
| Pretax return on assets | 1.9439% | 713 |
| Return on Equity (ROE) | 21.9189% | 201 |
| Retained earnings to average equity (ytd only) | 14.9587% | 214 |
| Net charge-offs to loans | -0.0035% | 7,187 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1478% | 5,412 |
| Assets per employee ($millions) | 2.6877% | 6,795 |
| Cash dividends to net income (ytd only)* | 31.7546% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,540 |
| Loan loss allowance to noncurrent loans | 132.7543% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 5,300 |
| Noncurrent loans to loans | 1.0443% | 5,157 |
| Net loans and leases to total assets | 74.5251% | 1,683 |
| Net loans and leases to deposits | 84.1466% | 2,681 |
| Net loans and leases to core deposits | 85.1863% | 3,771 |
| Total domestic deposits to total assets | 88.5658% | 1,642 |
| Equity capital to assets | 8.9942% | 5,592 |
| Core capital (leverage) ratio | 8.8540% | 4,917 |
| Tier 1 risk-based capital ratio | 10.5773% | 6,727 |
| Total risk-based capital ratio | 11.8287% | 6,705 |
| Memoranda: | ||
| Average total assets | $49,865,250 | 6,619 |
| Average earning assets | $46,914,500 | 6,563 |
| Average equity | $4,367,500 | 6,955 |
| Average total loans | $38,069,500 | 6,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3552% | 453 |
| Cost of funding earning assets | 1.3643% | 4,093 |
| Net interest margin | 4.9909% | 428 |
| Noninterest income to average assets | 0.9097% | 1,658 |
| Noninterest expense to average assets | 3.4449% | 2,153 |
| Loan and lease loss provision to assets | 0.1213% | 5,687 |
| Net operating income to assets | 2.0378% | 316 |
| Return on assets (ROA) | 2.0378% | 341 |
| Pretax return on assets | 2.0621% | 536 |
| Return on Equity (ROE) | 23.4837% | 161 |
| Retained earnings to average equity (ytd only) | 17.4264% | 139 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2069% | 5,819 |
| Assets per employee ($millions) | 2.6817% | 6,805 |
| Cash dividends to net income (ytd only)* | 25.7937% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,148 |
| Loan loss allowance to noncurrent loans | 186.0215% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 6,101 |
| Noncurrent loans to loans | 0.6748% | 5,902 |
| Net loans and leases to total assets | 80.1225% | 776 |
| Net loans and leases to deposits | 94.3166% | 1,237 |
| Net loans and leases to core deposits | 94.3166% | 2,668 |
| Total domestic deposits to total assets | 84.9505% | 3,658 |
| Equity capital to assets | 8.7847% | 5,775 |
| Core capital (leverage) ratio | 8.7558% | 4,998 |
| Tier 1 risk-based capital ratio | 9.9474% | 7,053 |
| Total risk-based capital ratio | 11.1124% | 7,078 |
| Memoranda: | ||
| Average total assets | $49,465,000 | 6,670 |
| Average earning assets | $46,765,000 | 6,599 |
| Average equity | $4,292,330 | 7,017 |
| Average total loans | $37,895,330 | 6,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1893% | 654 |
| Cost of funding earning assets | 1.4015% | 4,166 |
| Net interest margin | 4.7878% | 661 |
| Noninterest income to average assets | 0.6978% | 2,617 |
| Noninterest expense to average assets | 3.4646% | 2,068 |
| Loan and lease loss provision to assets | 0.1231% | 5,347 |
| Net operating income to assets | 1.6174% | 722 |
| Return on assets (ROA) | 1.6174% | 770 |
| Pretax return on assets | 1.6256% | 1,203 |
| Return on Equity (ROE) | 18.7597% | 454 |
| Retained earnings to average equity (ytd only) | 18.7597% | 219 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4567% | 5,019 |
| Assets per employee ($millions) | 2.8827% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,403 |
| Loan loss allowance to noncurrent loans | 301.7964% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 6,626 |
| Noncurrent loans to loans | 0.4652% | 6,367 |
| Net loans and leases to total assets | 72.2197% | 2,404 |
| Net loans and leases to deposits | 81.3291% | 3,400 |
| Net loans and leases to core deposits | 82.7651% | 4,387 |
| Total domestic deposits to total assets | 88.7993% | 1,620 |
| Equity capital to assets | 8.7561% | 5,636 |
| Core capital (leverage) ratio | 8.7092% | 5,013 |
| Tier 1 risk-based capital ratio | 10.5501% | 6,588 |
| Total risk-based capital ratio | 11.7001% | 6,675 |
| Memoranda: | ||
| Average total assets | $48,721,500 | 6,779 |
| Average earning assets | $45,950,500 | 6,712 |
| Average equity | $4,200,500 | 7,114 |
| Average total loans | $36,171,500 | 6,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7974% | 383 |
| Cost of funding earning assets | 1.9084% | 3,418 |
| Net interest margin | 4.8890% | 575 |
| Noninterest income to average assets | 0.8084% | 2,366 |
| Noninterest expense to average assets | 3.4880% | 2,399 |
| Loan and lease loss provision to assets | 0.3586% | 4,652 |
| Net operating income to assets | 1.5734% | 574 |
| Return on assets (ROA) | 1.5734% | 620 |
| Pretax return on assets | 1.5995% | 968 |
| Return on Equity (ROE) | 18.1308% | 358 |
| Retained earnings to average equity (ytd only) | 8.2640% | 635 |
| Net charge-offs to loans | 0.1469% | 5,770 |
| Credit loss provision to net charge-offs | 311.3208% | 1,054 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,216 |
| Efficiency ratio | 64.0463% | 5,772 |
| Assets per employee ($millions) | 2.6909% | 6,872 |
| Cash dividends to net income (ytd only)* | 54.4199% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,526 |
| Loan loss allowance to noncurrent loans | 400.8197% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,826 |
| Noncurrent loans to loans | 0.3347% | 6,611 |
| Net loans and leases to total assets | 74.2366% | 2,219 |
| Net loans and leases to deposits | 83.3036% | 3,398 |
| Net loans and leases to core deposits | 97.9996% | 4,220 |
| Total domestic deposits to total assets | 89.1158% | 1,427 |
| Equity capital to assets | 8.4852% | 5,905 |
| Core capital (leverage) ratio | 8.3764% | 5,485 |
| Tier 1 risk-based capital ratio | 10.1268% | 6,767 |
| Total risk-based capital ratio | 11.2746% | 6,820 |
| Memoranda: | ||
| Average total assets | $46,015,400 | 6,871 |
| Average earning assets | $43,649,200 | 6,773 |
| Average equity | $3,993,200 | 7,296 |
| Average total loans | $36,075,200 | 6,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8830% | 362 |
| Cost of funding earning assets | 1.9921% | 3,400 |
| Net interest margin | 4.8909% | 563 |
| Noninterest income to average assets | 0.8926% | 2,011 |
| Noninterest expense to average assets | 3.3619% | 2,686 |
| Loan and lease loss provision to assets | 0.1468% | 5,889 |
| Net operating income to assets | 2.0230% | 279 |
| Return on assets (ROA) | 2.0230% | 300 |
| Pretax return on assets | 2.0406% | 504 |
| Return on Equity (ROE) | 23.1746% | 166 |
| Retained earnings to average equity (ytd only) | 10.2588% | 587 |
| Net charge-offs to loans | 0.1779% | 4,972 |
| Credit loss provision to net charge-offs | 104.1667% | 4,882 |
| Earnings coverage of net charge-offs (x) | 15.5205% | 1,530 |
| Efficiency ratio | 60.5820% | 6,338 |
| Assets per employee ($millions) | 2.9128% | 6,373 |
| Cash dividends to net income (ytd only)* | 55.7335% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 6,374 |
| Loan loss allowance to noncurrent loans | 498.6842% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 6,619 |
| Noncurrent loans to loans | 0.1978% | 7,007 |
| Net loans and leases to total assets | 81.6415% | 874 |
| Net loans and leases to deposits | 95.4806% | 1,647 |
| Net loans and leases to core deposits | 112.1959% | 3,003 |
| Total domestic deposits to total assets | 85.5058% | 2,966 |
| Equity capital to assets | 8.8167% | 5,759 |
| Core capital (leverage) ratio | 8.6563% | 5,213 |
| Tier 1 risk-based capital ratio | 10.2101% | 6,774 |
| Total risk-based capital ratio | 11.1753% | 6,997 |
| Memoranda: | ||
| Average total assets | $45,410,000 | 6,945 |
| Average earning assets | $43,236,000 | 6,851 |
| Average equity | $3,964,000 | 7,373 |
| Average total loans | $35,982,250 | 6,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8250% | 431 |
| Cost of funding earning assets | 2.0802% | 3,363 |
| Net interest margin | 4.7448% | 738 |
| Noninterest income to average assets | 0.9064% | 1,960 |
| Noninterest expense to average assets | 3.3725% | 2,713 |
| Loan and lease loss provision to assets | 0.1377% | 5,697 |
| Net operating income to assets | 1.8884% | 383 |
| Return on assets (ROA) | 1.8884% | 414 |
| Pretax return on assets | 1.9062% | 687 |
| Return on Equity (ROE) | 21.7077% | 253 |
| Retained earnings to average equity (ytd only) | 11.5944% | 490 |
| Net charge-offs to loans | 0.2900% | 3,742 |
| Credit loss provision to net charge-offs | 60.7843% | 5,578 |
| Earnings coverage of net charge-offs (x) | 9.0196% | 2,186 |
| Efficiency ratio | 62.2642% | 6,210 |
| Assets per employee ($millions) | 2.9034% | 6,385 |
| Cash dividends to net income (ytd only)* | 46.5882% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 6,567 |
| Loan loss allowance to noncurrent loans | 502.8169% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 6,618 |
| Noncurrent loans to loans | 0.1887% | 7,044 |
| Net loans and leases to total assets | 80.2325% | 1,270 |
| Net loans and leases to deposits | 91.5684% | 2,559 |
| Net loans and leases to core deposits | 106.1427% | 3,823 |
| Total domestic deposits to total assets | 87.6203% | 1,961 |
| Equity capital to assets | 8.6299% | 5,850 |
| Core capital (leverage) ratio | 8.6288% | 5,213 |
| Tier 1 risk-based capital ratio | 9.8469% | 7,086 |
| Total risk-based capital ratio | 10.7412% | 7,353 |
| Memoranda: | ||
| Average total assets | $45,011,670 | 7,020 |
| Average earning assets | $42,783,670 | 6,935 |
| Average equity | $3,915,670 | 7,447 |
| Average total loans | $35,167,000 | 6,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7413% | 542 |
| Cost of funding earning assets | 2.1618% | 3,362 |
| Net interest margin | 4.5795% | 972 |
| Noninterest income to average assets | 0.8309% | 2,171 |
| Noninterest expense to average assets | 3.4139% | 2,318 |
| Loan and lease loss provision to assets | 0.1355% | 5,224 |
| Net operating income to assets | 1.6256% | 754 |
| Return on assets (ROA) | 1.6256% | 824 |
| Pretax return on assets | 1.6437% | 1,306 |
| Return on Equity (ROE) | 18.6095% | 540 |
| Retained earnings to average equity (ytd only) | 11.8894% | 809 |
| Net charge-offs to loans | 0.6129% | 1,946 |
| Credit loss provision to net charge-offs | 28.8462% | 4,962 |
| Earnings coverage of net charge-offs (x) | 3.7885% | 3,067 |
| Efficiency ratio | 65.7391% | 5,378 |
| Assets per employee ($millions) | 2.7955% | 6,652 |
| Cash dividends to net income (ytd only)* | 36.1111% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 6,014 |
| Loan loss allowance to noncurrent loans | 431.6456% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 6,409 |
| Noncurrent loans to loans | 0.2369% | 6,854 |
| Net loans and leases to total assets | 73.8039% | 2,808 |
| Net loans and leases to deposits | 81.4825% | 4,372 |
| Net loans and leases to core deposits | 93.6323% | 5,193 |
| Total domestic deposits to total assets | 90.5764% | 562 |
| Equity capital to assets | 8.7529% | 5,691 |
| Core capital (leverage) ratio | 8.5052% | 5,525 |
| Tier 1 risk-based capital ratio | 10.4225% | 6,472 |
| Total risk-based capital ratio | 11.3531% | 6,719 |
| Memoranda: | ||
| Average total assets | $44,290,000 | 7,093 |
| Average earning assets | $42,188,000 | 7,009 |
| Average equity | $3,869,000 | 7,498 |
| Average total loans | $33,936,000 | 6,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4926% | 416 |
| Cost of funding earning assets | 2.5765% | 3,815 |
| Net interest margin | 4.9161% | 616 |
| Noninterest income to average assets | 0.6488% | 3,485 |
| Noninterest expense to average assets | 3.4736% | 2,466 |
| Loan and lease loss provision to assets | 0.3615% | 3,520 |
| Net operating income to assets | 1.3622% | 1,315 |
| Return on assets (ROA) | 1.3622% | 1,276 |
| Pretax return on assets | 1.3813% | 2,024 |
| Return on Equity (ROE) | 15.6104% | 831 |
| Retained earnings to average equity (ytd only) | 11.1111% | 314 |
| Net charge-offs to loans | 0.1632% | 4,566 |
| Credit loss provision to net charge-offs | 269.6429% | 1,710 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,182 |
| Efficiency ratio | 66.5902% | 5,006 |
| Assets per employee ($millions) | 2.7408% | 6,695 |
| Cash dividends to net income (ytd only)* | 28.8225% | 4,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,335 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 4,518 |
| Noncurrent loans to loans | 1.1761% | 4,166 |
| Net loans and leases to total assets | 77.8596% | 2,177 |
| Net loans and leases to deposits | 85.8576% | 4,139 |
| Net loans and leases to core deposits | 99.7866% | 4,838 |
| Total domestic deposits to total assets | 90.6846% | 431 |
| Equity capital to assets | 8.7180% | 5,781 |
| Core capital (leverage) ratio | 8.4767% | 5,611 |
| Tier 1 risk-based capital ratio | 10.3570% | 6,358 |
| Total risk-based capital ratio | 11.4108% | 6,422 |
| Memoranda: | ||
| Average total assets | $41,772,000 | 7,139 |
| Average earning assets | $38,811,600 | 7,100 |
| Average equity | $3,645,000 | 7,634 |
| Average total loans | $34,318,000 | 6,472 |