Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 3,609 |
| Cost of funding earning assets | 0.3690% | 4,318 |
| Net interest margin | 3.8402% | 1,490 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.2917% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8181% | 2,811 |
| Return on assets (ROA) | 0.8133% | 2,810 |
| Pretax return on assets | 0.9623% | 2,776 |
| Return on Equity (ROE) | 17.4900% | 893 |
| Retained earnings to average equity (ytd only) | 10.9509% | 802 |
| Net charge-offs to loans | 0.0096% | 2,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 155.3636% | 696 |
| Efficiency ratio | 77.2770% | 1,132 |
| Assets per employee ($millions) | 5.2086% | 3,465 |
| Cash dividends to net income (ytd only)* | 37.3955% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 3,758 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.0400% | 2,361 |
| Net loans and leases to deposits | 71.0545% | 2,812 |
| Net loans and leases to core deposits | 72.7037% | 3,141 |
| Total domestic deposits to total assets | 91.5300% | 382 |
| Equity capital to assets | 5.3875% | 4,358 |
| Core capital (leverage) ratio | 8.4065% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4785% | 2,076 |
| Memoranda: | ||
| Average total assets | $176,564,400 | 3,156 |
| Average earning assets | $160,722,000 | 3,165 |
| Average equity | $8,209,400 | 3,906 |
| Average total loans | $114,007,800 | 3,005 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 3,686 |
| Cost of funding earning assets | 0.2640% | 4,391 |
| Net interest margin | 3.8228% | 1,548 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 3.2541% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8399% | 2,897 |
| Return on assets (ROA) | 0.8335% | 2,906 |
| Pretax return on assets | 0.9877% | 2,892 |
| Return on Equity (ROE) | 18.6700% | 859 |
| Retained earnings to average equity (ytd only) | 12.3910% | 904 |
| Net charge-offs to loans | 0.0118% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 131.7000% | 795 |
| Efficiency ratio | 76.5783% | 1,124 |
| Assets per employee ($millions) | 5.2315% | 3,404 |
| Cash dividends to net income (ytd only)* | 33.6355% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 3,697 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.2500% | 2,533 |
| Net loans and leases to deposits | 68.2312% | 2,966 |
| Net loans and leases to core deposits | 69.4536% | 3,233 |
| Total domestic deposits to total assets | 92.7000% | 353 |
| Equity capital to assets | 4.2418% | 4,379 |
| Core capital (leverage) ratio | 8.5753% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8242% | 1,960 |
| Memoranda: | ||
| Average total assets | $176,432,000 | 3,164 |
| Average earning assets | $160,577,500 | 3,176 |
| Average equity | $7,876,500 | 3,945 |
| Average total loans | $113,457,500 | 3,018 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 3,636 |
| Cost of funding earning assets | 0.1723% | 4,454 |
| Net interest margin | 3.8498% | 1,523 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.2066% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8836% | 2,812 |
| Return on assets (ROA) | 0.8741% | 2,832 |
| Pretax return on assets | 1.0366% | 2,811 |
| Return on Equity (ROE) | 19.2600% | 798 |
| Retained earnings to average equity (ytd only) | 13.4969% | 745 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.3674% | 1,231 |
| Assets per employee ($millions) | 4.9807% | 3,611 |
| Cash dividends to net income (ytd only)* | 29.9090% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,712 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.1800% | 2,139 |
| Net loans and leases to deposits | 69.7368% | 2,802 |
| Net loans and leases to core deposits | 70.7685% | 3,080 |
| Total domestic deposits to total assets | 94.9000% | 98 |
| Equity capital to assets | 4.8965% | 4,393 |
| Core capital (leverage) ratio | 8.4170% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2239% | 1,807 |
| Memoranda: | ||
| Average total assets | $175,952,333 | 3,170 |
| Average earning assets | $160,214,333 | 3,191 |
| Average equity | $7,987,000 | 3,954 |
| Average total loans | $113,432,333 | 3,024 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,564 |
| Cost of funding earning assets | 0.1177% | 4,511 |
| Net interest margin | 3.8287% | 1,623 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.1352% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9015% | 2,847 |
| Return on assets (ROA) | 0.9015% | 2,805 |
| Pretax return on assets | 1.0666% | 2,808 |
| Return on Equity (ROE) | 20.6300% | 692 |
| Retained earnings to average equity (ytd only) | 14.4489% | 875 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.6150% | 1,280 |
| Assets per employee ($millions) | 5.3615% | 3,355 |
| Cash dividends to net income (ytd only)* | 29.9505% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,802 |
| Loan loss allowance to noncurrent loans | 52,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,925 |
| Noncurrent loans to loans | 0.0018% | 3,857 |
| Net loans and leases to total assets | 63.4700% | 2,299 |
| Net loans and leases to deposits | 66.8192% | 2,860 |
| Net loans and leases to core deposits | 67.7640% | 3,111 |
| Total domestic deposits to total assets | 94.9800% | 91 |
| Equity capital to assets | 4.8155% | 4,446 |
| Core capital (leverage) ratio | 8.0727% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1320% | 1,934 |
| Memoranda: | ||
| Average total assets | $179,256,500 | 3,183 |
| Average earning assets | $163,082,000 | 3,213 |
| Average equity | $7,834,500 | 4,018 |
| Average total loans | $113,590,500 | 3,052 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 2,970 |
| Cost of funding earning assets | 0.0617% | 4,539 |
| Net interest margin | 3.4792% | 1,995 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.9442% | 1,059 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.6849% | 3,659 |
| Return on assets (ROA) | 0.6849% | 3,610 |
| Pretax return on assets | 0.8353% | 3,533 |
| Return on Equity (ROE) | 14.1600% | 1,497 |
| Retained earnings to average equity (ytd only) | 11.1973% | 842 |
| Net charge-offs to loans | -0.0619% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.5167% | 1,066 |
| Assets per employee ($millions) | 5.5026% | 3,217 |
| Cash dividends to net income (ytd only)* | 20.9412% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,712 |
| Loan loss allowance to noncurrent loans | 26,050.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,926 |
| Noncurrent loans to loans | 0.0035% | 3,856 |
| Net loans and leases to total assets | 62.1200% | 2,425 |
| Net loans and leases to deposits | 64.8273% | 2,972 |
| Net loans and leases to core deposits | 65.2239% | 3,184 |
| Total domestic deposits to total assets | 95.8300% | 89 |
| Equity capital to assets | 3.9370% | 4,526 |
| Core capital (leverage) ratio | 7.5953% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8609% | 2,027 |
| Memoranda: | ||
| Average total assets | $186,162,800 | 3,135 |
| Average earning assets | $170,124,600 | 3,154 |
| Average equity | $9,002,200 | 3,993 |
| Average total loans | $116,305,800 | 2,957 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 3,166 |
| Cost of funding earning assets | 0.0629% | 4,512 |
| Net interest margin | 3.2417% | 2,491 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.9021% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6535% | 3,685 |
| Return on assets (ROA) | 0.6535% | 3,643 |
| Pretax return on assets | 0.7930% | 3,598 |
| Return on Equity (ROE) | 12.9300% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.6771% | 1,142 |
| Net charge-offs to loans | 0.0034% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 371.3333% | 413 |
| Efficiency ratio | 78.5398% | 870 |
| Assets per employee ($millions) | 5.4870% | 3,236 |
| Cash dividends to net income (ytd only)* | 17.4292% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 4,349 |
| Loan loss allowance to noncurrent loans | 12,416.6667% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,990 |
| Noncurrent loans to loans | 0.0051% | 3,922 |
| Net loans and leases to total assets | 62.2600% | 2,259 |
| Net loans and leases to deposits | 64.8465% | 2,805 |
| Net loans and leases to core deposits | 65.3714% | 2,996 |
| Total domestic deposits to total assets | 96.0100% | 132 |
| Equity capital to assets | 3.7259% | 4,507 |
| Core capital (leverage) ratio | 7.4023% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1030% | 2,428 |
| Memoranda: | ||
| Average total assets | $187,307,250 | 3,150 |
| Average earning assets | $171,718,250 | 3,158 |
| Average equity | $9,465,500 | 3,984 |
| Average total loans | $116,920,250 | 2,963 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 2,972 |
| Cost of funding earning assets | 0.0638% | 4,500 |
| Net interest margin | 3.1609% | 2,322 |
| Noninterest income to average assets | 0.7017% | 1,333 |
| Noninterest expense to average assets | 2.8375% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6483% | 3,479 |
| Return on assets (ROA) | 0.6483% | 3,428 |
| Pretax return on assets | 0.7688% | 3,410 |
| Return on Equity (ROE) | 11.8016% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.5011% | 903 |
| Net charge-offs to loans | -0.0017% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6813% | 1,041 |
| Assets per employee ($millions) | 5.4844% | 3,248 |
| Cash dividends to net income (ytd only)* | 11.0197% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 4,423 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,022 |
| Noncurrent loans to loans | 0.0060% | 3,951 |
| Net loans and leases to total assets | 64.3453% | 1,866 |
| Net loans and leases to deposits | 67.6134% | 2,422 |
| Net loans and leases to core deposits | 68.1883% | 2,639 |
| Total domestic deposits to total assets | 95.1665% | 129 |
| Equity capital to assets | 4.5606% | 4,555 |
| Core capital (leverage) ratio | 7.2747% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0123% | 2,490 |
| Memoranda: | ||
| Average total assets | $187,557,333 | 3,178 |
| Average earning assets | $172,356,333 | 3,194 |
| Average equity | $10,303,667 | 3,948 |
| Average total loans | $116,930,000 | 2,975 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 2,922 |
| Cost of funding earning assets | 0.0681% | 4,471 |
| Net interest margin | 3.0504% | 2,326 |
| Noninterest income to average assets | 0.6602% | 1,447 |
| Noninterest expense to average assets | 2.7751% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6015% | 3,388 |
| Return on assets (ROA) | 0.6015% | 3,370 |
| Pretax return on assets | 0.7021% | 3,388 |
| Return on Equity (ROE) | 10.1337% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.1337% | 989 |
| Net charge-offs to loans | -0.0034% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8071% | 1,166 |
| Assets per employee ($millions) | 6.0053% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 4,472 |
| Loan loss allowance to noncurrent loans | 3,942.1053% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,971 |
| Noncurrent loans to loans | 0.0162% | 3,891 |
| Net loans and leases to total assets | 60.5050% | 2,012 |
| Net loans and leases to deposits | 65.8193% | 2,352 |
| Net loans and leases to core deposits | 66.3644% | 2,607 |
| Total domestic deposits to total assets | 91.9259% | 602 |
| Equity capital to assets | 5.3104% | 4,688 |
| Core capital (leverage) ratio | 6.9731% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9252% | 2,635 |
| Memoranda: | ||
| Average total assets | $190,843,000 | 3,166 |
| Average earning assets | $176,241,500 | 3,172 |
| Average equity | $11,328,500 | 3,924 |
| Average total loans | $116,792,500 | 2,971 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 2,241 |
| Cost of funding earning assets | 0.0775% | 4,551 |
| Net interest margin | 3.5772% | 1,529 |
| Noninterest income to average assets | 0.6902% | 1,799 |
| Noninterest expense to average assets | 3.0548% | 909 |
| Loan and lease loss provision to assets | 0.0142% | 2,799 |
| Net operating income to assets | 0.7529% | 3,482 |
| Return on assets (ROA) | 0.7529% | 3,545 |
| Pretax return on assets | 0.9090% | 3,489 |
| Return on Equity (ROE) | 10.9267% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.7431% | 1,271 |
| Net charge-offs to loans | -0.0252% | 4,065 |
| Credit loss provision to net charge-offs | -86.2069% | 3,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7908% | 1,045 |
| Assets per employee ($millions) | 5.9223% | 2,845 |
| Cash dividends to net income (ytd only)* | 19.9849% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 4,507 |
| Loan loss allowance to noncurrent loans | 221.3018% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 2,692 |
| Noncurrent loans to loans | 0.2900% | 2,554 |
| Net loans and leases to total assets | 61.1113% | 2,049 |
| Net loans and leases to deposits | 67.4999% | 2,357 |
| Net loans and leases to core deposits | 68.0752% | 2,647 |
| Total domestic deposits to total assets | 90.5353% | 700 |
| Equity capital to assets | 6.5705% | 4,781 |
| Core capital (leverage) ratio | 7.0871% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9102% | 2,660 |
| Memoranda: | ||
| Average total assets | $175,461,600 | 3,247 |
| Average earning assets | $161,271,600 | 3,265 |
| Average equity | $12,089,600 | 3,924 |
| Average total loans | $115,098,400 | 2,993 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 2,247 |
| Cost of funding earning assets | 0.0787% | 4,638 |
| Net interest margin | 3.6330% | 1,513 |
| Noninterest income to average assets | 0.6948% | 1,839 |
| Noninterest expense to average assets | 3.1078% | 811 |
| Loan and lease loss provision to assets | 0.0192% | 2,620 |
| Net operating income to assets | 0.7436% | 3,669 |
| Return on assets (ROA) | 0.7436% | 3,727 |
| Pretax return on assets | 0.8971% | 3,704 |
| Return on Equity (ROE) | 10.6562% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.5227% | 1,869 |
| Net charge-offs to loans | 0.0105% | 1,931 |
| Credit loss provision to net charge-offs | 277.7778% | 1,039 |
| Earnings coverage of net charge-offs (x) | 131.3333% | 733 |
| Efficiency ratio | 77.2254% | 941 |
| Assets per employee ($millions) | 5.6146% | 3,080 |
| Cash dividends to net income (ytd only)* | 20.0209% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,630 |
| Loan loss allowance to noncurrent loans | 3,944.4444% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,166 |
| Noncurrent loans to loans | 0.0154% | 4,088 |
| Net loans and leases to total assets | 64.7294% | 1,688 |
| Net loans and leases to deposits | 72.0272% | 2,051 |
| Net loans and leases to core deposits | 72.5077% | 2,380 |
| Total domestic deposits to total assets | 89.8680% | 825 |
| Equity capital to assets | 6.9217% | 4,824 |
| Core capital (leverage) ratio | 7.1646% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1214% | 2,670 |
| Memoranda: | ||
| Average total assets | $171,948,250 | 3,308 |
| Average earning assets | $157,589,750 | 3,334 |
| Average equity | $11,999,000 | 3,984 |
| Average total loans | $114,732,250 | 3,041 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 2,580 |
| Cost of funding earning assets | 0.0825% | 4,686 |
| Net interest margin | 3.5304% | 1,771 |
| Noninterest income to average assets | 0.6766% | 1,902 |
| Noninterest expense to average assets | 3.1929% | 728 |
| Loan and lease loss provision to assets | 0.0295% | 2,388 |
| Net operating income to assets | 0.5786% | 4,023 |
| Return on assets (ROA) | 0.5786% | 4,079 |
| Pretax return on assets | 0.6872% | 4,091 |
| Return on Equity (ROE) | 8.2677% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.6142% | 2,577 |
| Net charge-offs to loans | 0.0158% | 1,630 |
| Credit loss provision to net charge-offs | 277.7778% | 926 |
| Earnings coverage of net charge-offs (x) | 67.4444% | 917 |
| Efficiency ratio | 81.6672% | 694 |
| Assets per employee ($millions) | 5.0980% | 3,564 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 4,671 |
| Loan loss allowance to noncurrent loans | 945.3333% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,965 |
| Noncurrent loans to loans | 0.0621% | 3,872 |
| Net loans and leases to total assets | 69.3076% | 1,284 |
| Net loans and leases to deposits | 77.5602% | 1,672 |
| Net loans and leases to core deposits | 78.0997% | 2,037 |
| Total domestic deposits to total assets | 89.3598% | 1,101 |
| Equity capital to assets | 6.9542% | 4,855 |
| Core capital (leverage) ratio | 7.1372% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9938% | 2,723 |
| Memoranda: | ||
| Average total assets | $169,375,000 | 3,347 |
| Average earning assets | $155,110,667 | 3,362 |
| Average equity | $11,853,333 | 4,005 |
| Average total loans | $113,973,667 | 3,069 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 2,869 |
| Cost of funding earning assets | 0.0836% | 4,732 |
| Net interest margin | 3.4335% | 2,010 |
| Noninterest income to average assets | 0.5998% | 2,214 |
| Noninterest expense to average assets | 3.2474% | 653 |
| Loan and lease loss provision to assets | 0.0597% | 1,926 |
| Net operating income to assets | 0.3775% | 4,400 |
| Return on assets (ROA) | 0.3775% | 4,427 |
| Pretax return on assets | 0.4325% | 4,447 |
| Return on Equity (ROE) | 5.3774% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.2883% | 3,420 |
| Net charge-offs to loans | 0.0253% | 1,246 |
| Credit loss provision to net charge-offs | 357.1429% | 690 |
| Earnings coverage of net charge-offs (x) | 29.4286% | 1,102 |
| Efficiency ratio | 86.8371% | 482 |
| Assets per employee ($millions) | 4.6943% | 3,932 |
| Cash dividends to net income (ytd only)* | 20.2532% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6181% | 4,671 |
| Loan loss allowance to noncurrent loans | 935.5263% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,052 |
| Noncurrent loans to loans | 0.0661% | 3,958 |
| Net loans and leases to total assets | 67.6513% | 1,576 |
| Net loans and leases to deposits | 75.8495% | 1,926 |
| Net loans and leases to core deposits | 76.3913% | 2,315 |
| Total domestic deposits to total assets | 89.1915% | 1,247 |
| Equity capital to assets | 6.7629% | 4,882 |
| Core capital (leverage) ratio | 7.2204% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3234% | 2,557 |
| Memoranda: | ||
| Average total assets | $167,396,000 | 3,362 |
| Average earning assets | $153,079,000 | 3,385 |
| Average equity | $11,753,000 | 4,022 |
| Average total loans | $110,539,500 | 3,123 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 2,526 |
| Cost of funding earning assets | 0.1429% | 4,749 |
| Net interest margin | 3.9234% | 1,153 |
| Noninterest income to average assets | 0.7808% | 1,584 |
| Noninterest expense to average assets | 3.8492% | 434 |
| Loan and lease loss provision to assets | 0.0069% | 4,269 |
| Net operating income to assets | 0.4098% | 4,226 |
| Return on assets (ROA) | 0.4251% | 4,276 |
| Pretax return on assets | 0.4819% | 4,299 |
| Return on Equity (ROE) | 5.1940% | 3,850 |
| Retained earnings to average equity (ytd only) | 3.6435% | 3,014 |
| Net charge-offs to loans | -0.0010% | 3,944 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0868% | 408 |
| Assets per employee ($millions) | 4.3631% | 4,059 |
| Cash dividends to net income (ytd only)* | 29.8532% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 4,657 |
| Loan loss allowance to noncurrent loans | 2,566.6667% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,322 |
| Noncurrent loans to loans | 0.0255% | 4,222 |
| Net loans and leases to total assets | 63.5401% | 2,427 |
| Net loans and leases to deposits | 71.7838% | 2,706 |
| Net loans and leases to core deposits | 72.0336% | 3,070 |
| Total domestic deposits to total assets | 88.5160% | 1,217 |
| Equity capital to assets | 7.2843% | 4,877 |
| Core capital (leverage) ratio | 7.6126% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0539% | 2,606 |
| Memoranda: | ||
| Average total assets | $144,212,800 | 3,467 |
| Average earning assets | $130,116,200 | 3,504 |
| Average equity | $11,802,000 | 3,992 |
| Average total loans | $98,079,800 | 3,260 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 2,772 |
| Cost of funding earning assets | 0.1591% | 4,777 |
| Net interest margin | 3.9067% | 1,335 |
| Noninterest income to average assets | 0.9028% | 1,213 |
| Noninterest expense to average assets | 4.0743% | 361 |
| Loan and lease loss provision to assets | 0.0094% | 4,182 |
| Net operating income to assets | 0.3054% | 4,441 |
| Return on assets (ROA) | 0.3275% | 4,452 |
| Pretax return on assets | 0.3573% | 4,478 |
| Return on Equity (ROE) | 3.8749% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.2159% | 3,431 |
| Net charge-offs to loans | 0.0014% | 3,165 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 316 |
| Efficiency ratio | 92.2374% | 305 |
| Assets per employee ($millions) | 3.7657% | 4,503 |
| Cash dividends to net income (ytd only)* | 17.0088% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 4,649 |
| Loan loss allowance to noncurrent loans | 2,306.6667% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,378 |
| Noncurrent loans to loans | 0.0285% | 4,291 |
| Net loans and leases to total assets | 69.4283% | 2,038 |
| Net loans and leases to deposits | 79.3278% | 2,387 |
| Net loans and leases to core deposits | 79.6352% | 2,871 |
| Total domestic deposits to total assets | 87.5207% | 1,436 |
| Equity capital to assets | 7.9395% | 4,735 |
| Core capital (leverage) ratio | 7.9545% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7178% | 2,715 |
| Memoranda: | ||
| Average total assets | $138,817,000 | 3,518 |
| Average earning assets | $124,875,250 | 3,556 |
| Average equity | $11,733,250 | 4,010 |
| Average total loans | $96,089,750 | 3,304 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,853 |
| Cost of funding earning assets | 0.1801% | 4,810 |
| Net interest margin | 3.9894% | 1,348 |
| Noninterest income to average assets | 0.9416% | 1,087 |
| Noninterest expense to average assets | 3.9546% | 428 |
| Loan and lease loss provision to assets | 0.0148% | 4,043 |
| Net operating income to assets | 0.4811% | 4,061 |
| Return on assets (ROA) | 0.5056% | 4,078 |
| Pretax return on assets | 0.5813% | 4,097 |
| Return on Equity (ROE) | 5.8501% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.8550% | 2,544 |
| Net charge-offs to loans | 0.0021% | 2,936 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 268 |
| Efficiency ratio | 87.4426% | 480 |
| Assets per employee ($millions) | 3.6943% | 4,551 |
| Cash dividends to net income (ytd only)* | 17.0088% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 4,609 |
| Loan loss allowance to noncurrent loans | 865.0000% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,259 |
| Noncurrent loans to loans | 0.0785% | 4,143 |
| Net loans and leases to total assets | 68.5396% | 2,257 |
| Net loans and leases to deposits | 78.5316% | 2,598 |
| Net loans and leases to core deposits | 78.8403% | 3,038 |
| Total domestic deposits to total assets | 87.2764% | 1,510 |
| Equity capital to assets | 8.0637% | 4,684 |
| Core capital (leverage) ratio | 8.2722% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1413% | 2,552 |
| Memoranda: | ||
| Average total assets | $134,880,667 | 3,549 |
| Average earning assets | $121,069,333 | 3,588 |
| Average equity | $11,658,000 | 4,024 |
| Average total loans | $93,030,000 | 3,355 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,530 |
| Cost of funding earning assets | 0.2161% | 4,854 |
| Net interest margin | 4.2070% | 905 |
| Noninterest income to average assets | 0.7537% | 1,456 |
| Noninterest expense to average assets | 4.0986% | 452 |
| Loan and lease loss provision to assets | 0.0156% | 3,600 |
| Net operating income to assets | 0.3578% | 4,224 |
| Return on assets (ROA) | 0.4111% | 4,148 |
| Pretax return on assets | 0.4578% | 4,193 |
| Return on Equity (ROE) | 4.5798% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.6777% | 2,812 |
| Net charge-offs to loans | -0.0090% | 4,039 |
| Credit loss provision to net charge-offs | -250.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8213% | 467 |
| Assets per employee ($millions) | 3.3406% | 4,609 |
| Cash dividends to net income (ytd only)* | 19.6970% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 4,467 |
| Loan loss allowance to noncurrent loans | 398.8439% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 3,989 |
| Noncurrent loans to loans | 0.1936% | 3,783 |
| Net loans and leases to total assets | 66.3469% | 2,774 |
| Net loans and leases to deposits | 76.0000% | 3,076 |
| Net loans and leases to core deposits | 76.3304% | 3,474 |
| Total domestic deposits to total assets | 87.2985% | 1,426 |
| Equity capital to assets | 8.5884% | 4,796 |
| Core capital (leverage) ratio | 9.2385% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,434,500 | 3,603 |
| Average earning assets | $114,760,500 | 3,636 |
| Average equity | $11,529,000 | 4,064 |
| Average total loans | $88,557,500 | 3,428 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 2,256 |
| Cost of funding earning assets | 0.3435% | 4,617 |
| Net interest margin | 4.3813% | 931 |
| Noninterest income to average assets | 0.9660% | 1,044 |
| Noninterest expense to average assets | 4.0787% | 488 |
| Loan and lease loss provision to assets | 0.0385% | 3,243 |
| Net operating income to assets | 0.6445% | 4,024 |
| Return on assets (ROA) | 0.6727% | 4,016 |
| Pretax return on assets | 0.7800% | 4,014 |
| Return on Equity (ROE) | 7.3112% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.6459% | 2,064 |
| Net charge-offs to loans | 0.1676% | 1,207 |
| Credit loss provision to net charge-offs | 32.6389% | 3,256 |
| Earnings coverage of net charge-offs (x) | 6.6597% | 2,952 |
| Efficiency ratio | 83.8471% | 664 |
| Assets per employee ($millions) | 3.1602% | 4,732 |
| Cash dividends to net income (ytd only)* | 22.7771% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 4,372 |
| Loan loss allowance to noncurrent loans | 272.1116% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,650 |
| Noncurrent loans to loans | 0.2860% | 3,419 |
| Net loans and leases to total assets | 70.6614% | 2,296 |
| Net loans and leases to deposits | 78.3983% | 2,966 |
| Net loans and leases to core deposits | 78.7528% | 3,392 |
| Total domestic deposits to total assets | 90.1312% | 283 |
| Equity capital to assets | 9.3974% | 4,430 |
| Core capital (leverage) ratio | 9.1656% | 4,385 |
| Tier 1 risk-based capital ratio | 13.1317% | 3,722 |
| Total risk-based capital ratio | 13.9139% | 3,850 |
| Memoranda: | ||
| Average total assets | $122,049,400 | 3,665 |
| Average earning assets | $108,598,400 | 3,739 |
| Average equity | $11,229,400 | 4,089 |
| Average total loans | $85,930,400 | 3,484 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7638% | 2,238 |
| Cost of funding earning assets | 0.3717% | 4,592 |
| Net interest margin | 4.3920% | 967 |
| Noninterest income to average assets | 0.9998% | 937 |
| Noninterest expense to average assets | 4.0377% | 508 |
| Loan and lease loss provision to assets | 0.0515% | 2,877 |
| Net operating income to assets | 0.7022% | 4,009 |
| Return on assets (ROA) | 0.7304% | 3,977 |
| Pretax return on assets | 0.8509% | 4,006 |
| Return on Equity (ROE) | 7.9821% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.0674% | 2,340 |
| Net charge-offs to loans | -0.0047% | 4,189 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2807% | 736 |
| Assets per employee ($millions) | 3.1479% | 4,794 |
| Cash dividends to net income (ytd only)* | 23.9883% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,664 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 2,176 |
| Noncurrent loans to loans | 0.8852% | 1,811 |
| Net loans and leases to total assets | 68.0587% | 2,781 |
| Net loans and leases to deposits | 75.5156% | 3,342 |
| Net loans and leases to core deposits | 76.2043% | 3,683 |
| Total domestic deposits to total assets | 90.1254% | 256 |
| Equity capital to assets | 9.3509% | 4,563 |
| Core capital (leverage) ratio | 9.3866% | 4,294 |
| Tier 1 risk-based capital ratio | 12.8760% | 3,919 |
| Total risk-based capital ratio | 13.8182% | 3,974 |
| Memoranda: | ||
| Average total assets | $121,750,000 | 3,705 |
| Average earning assets | $108,315,000 | 3,783 |
| Average equity | $11,141,250 | 4,138 |
| Average total loans | $85,470,250 | 3,534 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 2,389 |
| Cost of funding earning assets | 0.3881% | 4,553 |
| Net interest margin | 4.3024% | 1,141 |
| Noninterest income to average assets | 0.9225% | 1,030 |
| Noninterest expense to average assets | 3.9634% | 563 |
| Loan and lease loss provision to assets | 0.0774% | 2,263 |
| Net operating income to assets | 0.6146% | 4,269 |
| Return on assets (ROA) | 0.6359% | 4,252 |
| Pretax return on assets | 0.7413% | 4,235 |
| Return on Equity (ROE) | 7.0002% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.2592% | 2,636 |
| Net charge-offs to loans | -0.0023% | 3,982 |
| Credit loss provision to net charge-offs | -4,700.0000% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3102% | 708 |
| Assets per employee ($millions) | 3.0701% | 4,862 |
| Cash dividends to net income (ytd only)* | 24.8705% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,867 |
| Loan loss allowance to noncurrent loans | 47.8890% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 794 |
| Noncurrent loans to loans | 1.9905% | 724 |
| Net loans and leases to total assets | 71.8528% | 2,232 |
| Net loans and leases to deposits | 79.7725% | 2,981 |
| Net loans and leases to core deposits | 80.1440% | 3,407 |
| Total domestic deposits to total assets | 90.0722% | 313 |
| Equity capital to assets | 9.3983% | 4,501 |
| Core capital (leverage) ratio | 9.2116% | 4,448 |
| Tier 1 risk-based capital ratio | 12.5616% | 4,094 |
| Total risk-based capital ratio | 13.4971% | 4,139 |
| Memoranda: | ||
| Average total assets | $121,410,330 | 3,738 |
| Average earning assets | $108,218,670 | 3,804 |
| Average equity | $11,028,330 | 4,167 |
| Average total loans | $85,832,000 | 3,552 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 2,328 |
| Cost of funding earning assets | 0.3886% | 4,537 |
| Net interest margin | 4.2784% | 1,136 |
| Noninterest income to average assets | 0.8475% | 1,172 |
| Noninterest expense to average assets | 3.9363% | 579 |
| Loan and lease loss provision to assets | 0.0753% | 2,175 |
| Net operating income to assets | 0.5661% | 4,347 |
| Return on assets (ROA) | 0.5661% | 4,377 |
| Pretax return on assets | 0.6544% | 4,407 |
| Return on Equity (ROE) | 6.3393% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.5804% | 3,091 |
| Net charge-offs to loans | 0.0141% | 2,204 |
| Credit loss provision to net charge-offs | 766.6667% | 452 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 810 |
| Efficiency ratio | 84.3619% | 687 |
| Assets per employee ($millions) | 3.1530% | 4,871 |
| Cash dividends to net income (ytd only)* | 27.7457% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,995 |
| Loan loss allowance to noncurrent loans | 46.1406% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 881 |
| Noncurrent loans to loans | 2.0374% | 720 |
| Net loans and leases to total assets | 68.6414% | 2,671 |
| Net loans and leases to deposits | 75.8190% | 3,273 |
| Net loans and leases to core deposits | 76.5062% | 3,627 |
| Total domestic deposits to total assets | 90.5333% | 274 |
| Equity capital to assets | 8.9666% | 4,707 |
| Core capital (leverage) ratio | 9.0579% | 4,614 |
| Tier 1 risk-based capital ratio | 12.5545% | 4,131 |
| Total risk-based capital ratio | 13.4720% | 4,211 |
| Memoranda: | ||
| Average total assets | $122,248,000 | 3,763 |
| Average earning assets | $109,106,000 | 3,829 |
| Average equity | $10,916,000 | 4,205 |
| Average total loans | $85,317,500 | 3,589 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,346 |
| Cost of funding earning assets | 0.1395% | 5,207 |
| Net interest margin | 4.3967% | 944 |
| Noninterest income to average assets | 0.9055% | 1,165 |
| Noninterest expense to average assets | 3.9776% | 549 |
| Loan and lease loss provision to assets | 0.0498% | 3,191 |
| Net operating income to assets | 0.7455% | 3,983 |
| Return on assets (ROA) | 0.6867% | 4,180 |
| Pretax return on assets | 0.7290% | 4,344 |
| Return on Equity (ROE) | 7.7859% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.6694% | 2,372 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5416% | 743 |
| Assets per employee ($millions) | 3.1161% | 4,915 |
| Cash dividends to net income (ytd only)* | 27.1833% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,102 |
| Loan loss allowance to noncurrent loans | 138.5435% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 2,709 |
| Noncurrent loans to loans | 0.6590% | 2,346 |
| Net loans and leases to total assets | 69.6523% | 2,621 |
| Net loans and leases to deposits | 76.9245% | 3,281 |
| Net loans and leases to core deposits | 77.6293% | 3,610 |
| Total domestic deposits to total assets | 90.5462% | 311 |
| Equity capital to assets | 8.8918% | 4,662 |
| Core capital (leverage) ratio | 9.1145% | 4,544 |
| Tier 1 risk-based capital ratio | 12.5238% | 4,121 |
| Total risk-based capital ratio | 13.4253% | 4,194 |
| Memoranda: | ||
| Average total assets | $118,386,800 | 3,815 |
| Average earning assets | $105,374,200 | 3,889 |
| Average equity | $10,442,000 | 4,246 |
| Average total loans | $83,871,000 | 3,596 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 2,279 |
| Cost of funding earning assets | 0.1338% | 5,266 |
| Net interest margin | 4.3721% | 956 |
| Noninterest income to average assets | 0.9093% | 1,172 |
| Noninterest expense to average assets | 3.9647% | 548 |
| Loan and lease loss provision to assets | 0.0419% | 3,151 |
| Net operating income to assets | 0.7585% | 4,049 |
| Return on assets (ROA) | 0.7585% | 4,059 |
| Pretax return on assets | 0.7925% | 4,318 |
| Return on Equity (ROE) | 8.6173% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.2472% | 2,521 |
| Net charge-offs to loans | 0.0016% | 3,440 |
| Credit loss provision to net charge-offs | 3,700.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 737.8271% | 117 |
| Efficiency ratio | 82.6128% | 733 |
| Assets per employee ($millions) | 3.0955% | 4,973 |
| Cash dividends to net income (ytd only)* | 27.5040% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,341 |
| Loan loss allowance to noncurrent loans | 133.2746% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 2,758 |
| Noncurrent loans to loans | 0.6597% | 2,433 |
| Net loans and leases to total assets | 72.5504% | 2,241 |
| Net loans and leases to deposits | 80.1806% | 3,023 |
| Net loans and leases to core deposits | 80.1806% | 3,480 |
| Total domestic deposits to total assets | 90.4837% | 352 |
| Equity capital to assets | 8.9663% | 4,581 |
| Core capital (leverage) ratio | 9.0927% | 4,616 |
| Tier 1 risk-based capital ratio | 12.6133% | 4,149 |
| Total risk-based capital ratio | 13.5033% | 4,236 |
| Memoranda: | ||
| Average total assets | $117,601,500 | 3,866 |
| Average earning assets | $104,631,500 | 3,945 |
| Average equity | $10,351,000 | 4,298 |
| Average total loans | $83,482,000 | 3,634 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 2,313 |
| Cost of funding earning assets | 0.1260% | 5,327 |
| Net interest margin | 4.3058% | 1,022 |
| Noninterest income to average assets | 0.8810% | 1,238 |
| Noninterest expense to average assets | 3.9884% | 543 |
| Loan and lease loss provision to assets | 0.0255% | 3,408 |
| Net operating income to assets | 0.7313% | 4,100 |
| Return on assets (ROA) | 0.7313% | 4,098 |
| Pretax return on assets | 0.7041% | 4,500 |
| Return on Equity (ROE) | 8.3611% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.9111% | 2,603 |
| Net charge-offs to loans | 0.0024% | 3,114 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 213 |
| Efficiency ratio | 84.5350% | 658 |
| Assets per employee ($millions) | 3.1178% | 5,000 |
| Cash dividends to net income (ytd only)* | 29.3023% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,455 |
| Loan loss allowance to noncurrent loans | 127.8261% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 2,816 |
| Noncurrent loans to loans | 0.6827% | 2,400 |
| Net loans and leases to total assets | 70.4694% | 2,511 |
| Net loans and leases to deposits | 78.4201% | 3,114 |
| Net loans and leases to core deposits | 78.4201% | 3,538 |
| Total domestic deposits to total assets | 89.8613% | 618 |
| Equity capital to assets | 8.7899% | 4,729 |
| Core capital (leverage) ratio | 8.9065% | 4,779 |
| Tier 1 risk-based capital ratio | 12.5598% | 4,147 |
| Total risk-based capital ratio | 13.4347% | 4,259 |
| Memoranda: | ||
| Average total assets | $117,592,000 | 3,899 |
| Average earning assets | $104,788,000 | 3,973 |
| Average equity | $10,285,670 | 4,345 |
| Average total loans | $82,610,000 | 3,667 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 2,364 |
| Cost of funding earning assets | 0.1226% | 5,382 |
| Net interest margin | 4.2227% | 1,118 |
| Noninterest income to average assets | 0.8365% | 1,343 |
| Noninterest expense to average assets | 4.0120% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5088% | 4,671 |
| Return on assets (ROA) | 0.5088% | 4,678 |
| Pretax return on assets | 0.5873% | 4,716 |
| Return on Equity (ROE) | 5.8308% | 4,214 |
| Retained earnings to average equity (ytd only) | 2.7785% | 4,075 |
| Net charge-offs to loans | -0.0244% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2309% | 574 |
| Assets per employee ($millions) | 3.1076% | 5,083 |
| Cash dividends to net income (ytd only)* | 52.3490% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,504 |
| Loan loss allowance to noncurrent loans | 120.8333% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,834 |
| Noncurrent loans to loans | 0.7334% | 2,376 |
| Net loans and leases to total assets | 68.6643% | 2,678 |
| Net loans and leases to deposits | 76.3174% | 3,175 |
| Net loans and leases to core deposits | 76.3174% | 3,647 |
| Total domestic deposits to total assets | 89.9720% | 666 |
| Equity capital to assets | 8.6367% | 4,871 |
| Core capital (leverage) ratio | 8.9038% | 4,799 |
| Tier 1 risk-based capital ratio | 13.0936% | 3,903 |
| Total risk-based capital ratio | 14.0135% | 3,971 |
| Memoranda: | ||
| Average total assets | $117,149,500 | 3,946 |
| Average earning assets | $104,388,500 | 4,022 |
| Average equity | $10,221,500 | 4,397 |
| Average total loans | $81,802,500 | 3,715 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 2,216 |
| Cost of funding earning assets | 0.1370% | 5,326 |
| Net interest margin | 4.2003% | 1,188 |
| Noninterest income to average assets | 0.9430% | 1,155 |
| Noninterest expense to average assets | 3.9968% | 537 |
| Loan and lease loss provision to assets | 0.0256% | 3,786 |
| Net operating income to assets | 0.6463% | 3,833 |
| Return on assets (ROA) | 0.6751% | 3,758 |
| Pretax return on assets | 0.6786% | 4,563 |
| Return on Equity (ROE) | 7.7174% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.1610% | 2,673 |
| Net charge-offs to loans | 0.0797% | 2,308 |
| Credit loss provision to net charge-offs | 46.7742% | 3,369 |
| Earnings coverage of net charge-offs (x) | 12.3548% | 2,484 |
| Efficiency ratio | 85.5499% | 670 |
| Assets per employee ($millions) | 2.9797% | 5,211 |
| Cash dividends to net income (ytd only)* | 46.0836% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,554 |
| Loan loss allowance to noncurrent loans | 117.6183% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 2,794 |
| Noncurrent loans to loans | 0.7494% | 2,330 |
| Net loans and leases to total assets | 69.7651% | 2,555 |
| Net loans and leases to deposits | 77.7733% | 3,140 |
| Net loans and leases to core deposits | 77.7733% | 3,606 |
| Total domestic deposits to total assets | 89.7031% | 680 |
| Equity capital to assets | 8.8151% | 4,886 |
| Core capital (leverage) ratio | 8.7561% | 4,894 |
| Tier 1 risk-based capital ratio | 13.2965% | 3,744 |
| Total risk-based capital ratio | 14.2320% | 3,813 |
| Memoranda: | ||
| Average total assets | $113,466,200 | 4,002 |
| Average earning assets | $100,729,800 | 4,085 |
| Average equity | $9,925,600 | 4,462 |
| Average total loans | $77,768,400 | 3,795 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 2,310 |
| Cost of funding earning assets | 0.1386% | 5,378 |
| Net interest margin | 4.1468% | 1,284 |
| Noninterest income to average assets | 0.9351% | 1,177 |
| Noninterest expense to average assets | 4.0041% | 518 |
| Loan and lease loss provision to assets | 0.0248% | 3,646 |
| Net operating income to assets | 0.6017% | 4,387 |
| Return on assets (ROA) | 0.6408% | 4,280 |
| Pretax return on assets | 0.6230% | 4,794 |
| Return on Equity (ROE) | 7.3395% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.1843% | 3,409 |
| Net charge-offs to loans | 0.1060% | 1,733 |
| Credit loss provision to net charge-offs | 34.4262% | 3,048 |
| Earnings coverage of net charge-offs (x) | 8.4428% | 2,783 |
| Efficiency ratio | 86.8016% | 583 |
| Assets per employee ($millions) | 2.9190% | 5,315 |
| Cash dividends to net income (ytd only)* | 42.9890% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,641 |
| Loan loss allowance to noncurrent loans | 106.7365% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,581 |
| Noncurrent loans to loans | 0.8258% | 2,302 |
| Net loans and leases to total assets | 68.6737% | 2,749 |
| Net loans and leases to deposits | 76.5037% | 3,321 |
| Net loans and leases to core deposits | 76.5037% | 3,765 |
| Total domestic deposits to total assets | 89.7652% | 554 |
| Equity capital to assets | 8.7018% | 5,145 |
| Core capital (leverage) ratio | 8.8417% | 4,930 |
| Tier 1 risk-based capital ratio | 12.9568% | 4,042 |
| Total risk-based capital ratio | 13.8727% | 4,148 |
| Memoranda: | ||
| Average total assets | $112,780,250 | 4,055 |
| Average earning assets | $100,027,500 | 4,137 |
| Average equity | $9,846,000 | 4,525 |
| Average total loans | $76,761,750 | 3,846 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 2,340 |
| Cost of funding earning assets | 0.1414% | 5,387 |
| Net interest margin | 4.0936% | 1,339 |
| Noninterest income to average assets | 0.9259% | 1,195 |
| Noninterest expense to average assets | 3.9837% | 535 |
| Loan and lease loss provision to assets | 0.0144% | 3,665 |
| Net operating income to assets | 0.4651% | 4,813 |
| Return on assets (ROA) | 0.4666% | 4,832 |
| Pretax return on assets | 0.5653% | 4,870 |
| Return on Equity (ROE) | 5.3381% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.6630% | 4,595 |
| Net charge-offs to loans | 0.1194% | 1,450 |
| Credit loss provision to net charge-offs | 17.7778% | 2,803 |
| Earnings coverage of net charge-offs (x) | 7.1556% | 2,634 |
| Efficiency ratio | 87.3328% | 590 |
| Assets per employee ($millions) | 2.7698% | 5,437 |
| Cash dividends to net income (ytd only)* | 68.8462% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,566 |
| Loan loss allowance to noncurrent loans | 339.8104% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 4,100 |
| Noncurrent loans to loans | 0.2701% | 4,075 |
| Net loans and leases to total assets | 68.1478% | 2,795 |
| Net loans and leases to deposits | 76.0754% | 3,337 |
| Net loans and leases to core deposits | 76.0754% | 3,766 |
| Total domestic deposits to total assets | 89.5793% | 698 |
| Equity capital to assets | 8.6666% | 5,178 |
| Core capital (leverage) ratio | 9.0755% | 4,639 |
| Tier 1 risk-based capital ratio | 13.1823% | 3,897 |
| Total risk-based capital ratio | 14.1383% | 3,982 |
| Memoranda: | ||
| Average total assets | $111,454,330 | 4,107 |
| Average earning assets | $98,982,670 | 4,180 |
| Average equity | $9,741,330 | 4,552 |
| Average total loans | $75,384,000 | 3,891 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 2,343 |
| Cost of funding earning assets | 0.1424% | 5,420 |
| Net interest margin | 4.0367% | 1,381 |
| Noninterest income to average assets | 0.8913% | 1,269 |
| Noninterest expense to average assets | 3.9819% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4245% | 4,876 |
| Return on assets (ROA) | 0.4275% | 4,887 |
| Pretax return on assets | 0.5072% | 4,958 |
| Return on Equity (ROE) | 4.8705% | 4,447 |
| Retained earnings to average equity (ytd only) | 0.9493% | 4,678 |
| Net charge-offs to loans | -0.0162% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7722% | 617 |
| Assets per employee ($millions) | 2.7360% | 5,518 |
| Cash dividends to net income (ytd only)* | 80.5085% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,291 |
| Loan loss allowance to noncurrent loans | 218.1556% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 3,874 |
| Noncurrent loans to loans | 0.4584% | 3,456 |
| Net loans and leases to total assets | 66.8096% | 2,847 |
| Net loans and leases to deposits | 74.4839% | 3,352 |
| Net loans and leases to core deposits | 74.4839% | 3,794 |
| Total domestic deposits to total assets | 89.6966% | 795 |
| Equity capital to assets | 8.6569% | 5,103 |
| Core capital (leverage) ratio | 9.2550% | 4,408 |
| Tier 1 risk-based capital ratio | 13.4236% | 3,820 |
| Total risk-based capital ratio | 14.4574% | 3,863 |
| Memoranda: | ||
| Average total assets | $110,400,500 | 4,169 |
| Average earning assets | $98,297,500 | 4,226 |
| Average equity | $9,691,000 | 4,590 |
| Average total loans | $74,022,500 | 3,951 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,697 |
| Cost of funding earning assets | 0.1647% | 5,321 |
| Net interest margin | 3.9755% | 1,713 |
| Noninterest income to average assets | 1.1279% | 901 |
| Noninterest expense to average assets | 3.9838% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5593% | 4,393 |
| Return on assets (ROA) | 0.5846% | 4,382 |
| Pretax return on assets | 0.7269% | 4,402 |
| Return on Equity (ROE) | 6.1995% | 3,886 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.0131% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 711 |
| Efficiency ratio | 85.1418% | 890 |
| Assets per employee ($millions) | 2.6498% | 5,586 |
| Cash dividends to net income (ytd only)* | 100.0000% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,057 |
| Loan loss allowance to noncurrent loans | 212.3944% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,184 |
| Noncurrent loans to loans | 0.4907% | 3,397 |
| Net loans and leases to total assets | 65.8938% | 3,088 |
| Net loans and leases to deposits | 73.7704% | 3,538 |
| Net loans and leases to core deposits | 74.1525% | 3,910 |
| Total domestic deposits to total assets | 89.3228% | 940 |
| Equity capital to assets | 8.9191% | 4,890 |
| Core capital (leverage) ratio | 9.4524% | 4,149 |
| Tier 1 risk-based capital ratio | 14.1435% | 3,384 |
| Total risk-based capital ratio | 15.2311% | 3,388 |
| Memoranda: | ||
| Average total assets | $103,996,200 | 4,285 |
| Average earning assets | $92,893,600 | 4,325 |
| Average equity | $9,807,200 | 4,615 |
| Average total loans | $68,527,800 | 4,081 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,713 |
| Cost of funding earning assets | 0.1724% | 5,325 |
| Net interest margin | 3.9695% | 1,750 |
| Noninterest income to average assets | 1.2032% | 795 |
| Noninterest expense to average assets | 4.0349% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5762% | 4,386 |
| Return on assets (ROA) | 0.6094% | 4,369 |
| Pretax return on assets | 0.7624% | 4,434 |
| Return on Equity (ROE) | 6.3707% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | 0.0316% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.7543% | 1,352 |
| Efficiency ratio | 84.8419% | 919 |
| Assets per employee ($millions) | 2.5006% | 5,721 |
| Cash dividends to net income (ytd only)* | 100.0000% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,020 |
| Loan loss allowance to noncurrent loans | 297.2112% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 3,328 |
| Noncurrent loans to loans | 0.3602% | 3,966 |
| Net loans and leases to total assets | 65.6288% | 3,182 |
| Net loans and leases to deposits | 74.0047% | 3,598 |
| Net loans and leases to core deposits | 74.4041% | 3,967 |
| Total domestic deposits to total assets | 88.6820% | 1,059 |
| Equity capital to assets | 9.3566% | 4,811 |
| Core capital (leverage) ratio | 9.5883% | 4,073 |
| Tier 1 risk-based capital ratio | 14.5018% | 3,284 |
| Total risk-based capital ratio | 15.6051% | 3,297 |
| Memoranda: | ||
| Average total assets | $102,834,500 | 4,344 |
| Average earning assets | $92,033,750 | 4,382 |
| Average equity | $9,836,500 | 4,648 |
| Average total loans | $67,574,000 | 4,136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 2,952 |
| Cost of funding earning assets | 0.1763% | 5,360 |
| Net interest margin | 3.9027% | 1,969 |
| Noninterest income to average assets | 1.1400% | 858 |
| Noninterest expense to average assets | 3.9842% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5420% | 4,511 |
| Return on assets (ROA) | 0.5896% | 4,443 |
| Pretax return on assets | 0.7267% | 4,543 |
| Return on Equity (ROE) | 6.1181% | 3,993 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | -0.0239% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6421% | 915 |
| Assets per employee ($millions) | 2.5088% | 5,777 |
| Cash dividends to net income (ytd only)* | 100.0000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,682 |
| Loan loss allowance to noncurrent loans | 106.4828% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,868 |
| Noncurrent loans to loans | 1.0763% | 2,139 |
| Net loans and leases to total assets | 64.7343% | 3,261 |
| Net loans and leases to deposits | 73.2482% | 3,680 |
| Net loans and leases to core deposits | 73.6533% | 4,014 |
| Total domestic deposits to total assets | 88.3767% | 1,230 |
| Equity capital to assets | 9.5711% | 4,698 |
| Core capital (leverage) ratio | 9.5554% | 4,127 |
| Tier 1 risk-based capital ratio | 15.5090% | 2,860 |
| Total risk-based capital ratio | 16.7299% | 2,803 |
| Memoranda: | ||
| Average total assets | $102,103,670 | 4,390 |
| Average earning assets | $91,885,330 | 4,423 |
| Average equity | $9,839,670 | 4,676 |
| Average total loans | $66,874,000 | 4,173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,792 |
| Cost of funding earning assets | 0.1796% | 5,379 |
| Net interest margin | 3.9372% | 1,823 |
| Noninterest income to average assets | 1.1600% | 820 |
| Noninterest expense to average assets | 4.0226% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5515% | 4,418 |
| Return on assets (ROA) | 0.5741% | 4,409 |
| Pretax return on assets | 0.6999% | 4,528 |
| Return on Equity (ROE) | 5.9368% | 4,019 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | -0.0540% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6784% | 1,004 |
| Assets per employee ($millions) | 2.5279% | 5,833 |
| Cash dividends to net income (ytd only)* | 100.0000% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 3,792 |
| Loan loss allowance to noncurrent loans | 62.0579% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 1,769 |
| Noncurrent loans to loans | 1.8473% | 1,199 |
| Net loans and leases to total assets | 65.8336% | 2,976 |
| Net loans and leases to deposits | 74.8101% | 3,340 |
| Net loans and leases to core deposits | 75.2328% | 3,755 |
| Total domestic deposits to total assets | 88.0010% | 1,640 |
| Equity capital to assets | 9.7382% | 4,410 |
| Core capital (leverage) ratio | 9.6151% | 4,019 |
| Tier 1 risk-based capital ratio | 15.4938% | 2,921 |
| Total risk-based capital ratio | 16.7135% | 2,872 |
| Memoranda: | ||
| Average total assets | $101,724,500 | 4,436 |
| Average earning assets | $91,333,500 | 4,473 |
| Average equity | $9,837,000 | 4,694 |
| Average total loans | $66,631,500 | 4,203 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,485 |
| Cost of funding earning assets | 0.2036% | 5,256 |
| Net interest margin | 4.0196% | 1,656 |
| Noninterest income to average assets | 1.0107% | 1,155 |
| Noninterest expense to average assets | 3.9794% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5719% | 4,413 |
| Return on assets (ROA) | 0.5833% | 4,457 |
| Pretax return on assets | 0.7302% | 4,433 |
| Return on Equity (ROE) | 5.8227% | 4,123 |
| Retained earnings to average equity (ytd only) | 0.0102% | 5,501 |
| Net charge-offs to loans | 0.0060% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 371 |
| Efficiency ratio | 84.7524% | 1,117 |
| Assets per employee ($millions) | 2.4959% | 5,891 |
| Cash dividends to net income (ytd only)* | 99.8252% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,717 |
| Loan loss allowance to noncurrent loans | 102.1419% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 2,868 |
| Noncurrent loans to loans | 1.1332% | 2,071 |
| Net loans and leases to total assets | 63.6741% | 3,326 |
| Net loans and leases to deposits | 72.1735% | 3,702 |
| Net loans and leases to core deposits | 72.5755% | 4,082 |
| Total domestic deposits to total assets | 88.2236% | 1,524 |
| Equity capital to assets | 9.6031% | 4,429 |
| Core capital (leverage) ratio | 9.6615% | 3,958 |
| Tier 1 risk-based capital ratio | 15.9268% | 2,723 |
| Total risk-based capital ratio | 17.1661% | 2,666 |
| Memoranda: | ||
| Average total assets | $98,055,200 | 4,498 |
| Average earning assets | $89,884,000 | 4,508 |
| Average equity | $9,823,600 | 4,685 |
| Average total loans | $66,923,200 | 4,172 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,457 |
| Cost of funding earning assets | 0.2114% | 5,277 |
| Net interest margin | 4.0246% | 1,623 |
| Noninterest income to average assets | 0.9981% | 1,185 |
| Noninterest expense to average assets | 4.0060% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5705% | 4,523 |
| Return on assets (ROA) | 0.5705% | 4,612 |
| Pretax return on assets | 0.7080% | 4,657 |
| Return on Equity (ROE) | 5.6330% | 4,345 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,590 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9810% | 1,085 |
| Assets per employee ($millions) | 2.4099% | 6,000 |
| Cash dividends to net income (ytd only)* | 100.0000% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,049 |
| Loan loss allowance to noncurrent loans | 98.5861% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 2,918 |
| Noncurrent loans to loans | 1.1483% | 2,215 |
| Net loans and leases to total assets | 67.7982% | 2,707 |
| Net loans and leases to deposits | 77.3873% | 3,159 |
| Net loans and leases to core deposits | 77.8369% | 3,623 |
| Total domestic deposits to total assets | 87.6089% | 1,742 |
| Equity capital to assets | 9.9590% | 4,207 |
| Core capital (leverage) ratio | 10.0477% | 3,560 |
| Tier 1 risk-based capital ratio | 16.4652% | 2,594 |
| Total risk-based capital ratio | 17.7144% | 2,554 |
| Memoranda: | ||
| Average total assets | $96,986,000 | 4,567 |
| Average earning assets | $89,547,500 | 4,568 |
| Average equity | $9,822,750 | 4,747 |
| Average total loans | $67,173,500 | 4,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 2,271 |
| Cost of funding earning assets | 0.2114% | 5,334 |
| Net interest margin | 4.0612% | 1,469 |
| Noninterest income to average assets | 0.9421% | 1,328 |
| Noninterest expense to average assets | 3.9448% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5976% | 4,354 |
| Return on assets (ROA) | 0.5976% | 4,450 |
| Pretax return on assets | 0.7450% | 4,510 |
| Return on Equity (ROE) | 5.8674% | 4,196 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | -0.0149% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1150% | 1,253 |
| Assets per employee ($millions) | 2.4611% | 6,051 |
| Cash dividends to net income (ytd only)* | 100.0000% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 4,093 |
| Loan loss allowance to noncurrent loans | 102.9372% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 3,047 |
| Noncurrent loans to loans | 1.1148% | 2,424 |
| Net loans and leases to total assets | 69.1960% | 2,453 |
| Net loans and leases to deposits | 79.3707% | 2,864 |
| Net loans and leases to core deposits | 79.8478% | 3,402 |
| Total domestic deposits to total assets | 87.1808% | 2,065 |
| Equity capital to assets | 10.2239% | 3,780 |
| Core capital (leverage) ratio | 10.1362% | 3,419 |
| Tier 1 risk-based capital ratio | 16.8465% | 2,466 |
| Total risk-based capital ratio | 18.0972% | 2,421 |
| Memoranda: | ||
| Average total assets | $96,379,670 | 4,626 |
| Average earning assets | $88,939,330 | 4,618 |
| Average equity | $9,817,000 | 4,782 |
| Average total loans | $66,979,670 | 4,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,309 |
| Cost of funding earning assets | 0.2105% | 5,411 |
| Net interest margin | 4.0304% | 1,464 |
| Noninterest income to average assets | 0.9899% | 1,135 |
| Noninterest expense to average assets | 3.9139% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6378% | 4,097 |
| Return on assets (ROA) | 0.6378% | 4,220 |
| Pretax return on assets | 0.8035% | 4,229 |
| Return on Equity (ROE) | 6.2736% | 3,888 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,366 |
| Net charge-offs to loans | -0.0179% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9675% | 1,500 |
| Assets per employee ($millions) | 2.5126% | 6,103 |
| Cash dividends to net income (ytd only)* | 100.0000% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 4,215 |
| Loan loss allowance to noncurrent loans | 100.1300% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 3,098 |
| Noncurrent loans to loans | 1.1569% | 2,456 |
| Net loans and leases to total assets | 68.8138% | 2,315 |
| Net loans and leases to deposits | 79.1638% | 2,661 |
| Net loans and leases to core deposits | 79.6436% | 3,208 |
| Total domestic deposits to total assets | 86.9258% | 2,412 |
| Equity capital to assets | 10.3029% | 3,773 |
| Core capital (leverage) ratio | 10.1407% | 3,415 |
| Tier 1 risk-based capital ratio | 15.8745% | 2,980 |
| Total risk-based capital ratio | 17.1210% | 2,923 |
| Memoranda: | ||
| Average total assets | $96,579,000 | 4,654 |
| Average earning assets | $89,320,500 | 4,650 |
| Average equity | $9,819,000 | 4,822 |
| Average total loans | $66,876,500 | 4,275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,862 |
| Cost of funding earning assets | 0.2574% | 5,250 |
| Net interest margin | 3.9691% | 1,981 |
| Noninterest income to average assets | 0.9039% | 1,494 |
| Noninterest expense to average assets | 3.8085% | 978 |
| Loan and lease loss provision to assets | 0.0549% | 3,452 |
| Net operating income to assets | 0.5629% | 4,542 |
| Return on assets (ROA) | 0.5629% | 4,634 |
| Pretax return on assets | 0.6852% | 4,677 |
| Return on Equity (ROE) | 5.5932% | 4,367 |
| Retained earnings to average equity (ytd only) | 0.0103% | 5,758 |
| Net charge-offs to loans | 0.2089% | 1,995 |
| Credit loss provision to net charge-offs | 39.2593% | 3,690 |
| Earnings coverage of net charge-offs (x) | 5.2889% | 3,464 |
| Efficiency ratio | 83.7284% | 1,446 |
| Assets per employee ($millions) | 2.4420% | 6,191 |
| Cash dividends to net income (ytd only)* | 99.8158% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 4,334 |
| Loan loss allowance to noncurrent loans | 84.6578% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,897 |
| Noncurrent loans to loans | 1.3466% | 2,187 |
| Net loans and leases to total assets | 68.0938% | 2,543 |
| Net loans and leases to deposits | 78.1323% | 2,961 |
| Net loans and leases to core deposits | 78.5939% | 3,455 |
| Total domestic deposits to total assets | 87.1519% | 2,189 |
| Equity capital to assets | 10.0338% | 4,066 |
| Core capital (leverage) ratio | 10.1378% | 3,381 |
| Tier 1 risk-based capital ratio | 15.5163% | 3,222 |
| Total risk-based capital ratio | 16.7300% | 3,171 |
| Memoranda: | ||
| Average total assets | $96,468,800 | 4,687 |
| Average earning assets | $88,585,000 | 4,688 |
| Average equity | $9,708,200 | 4,814 |
| Average total loans | $64,639,200 | 4,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 2,927 |
| Cost of funding earning assets | 0.2678% | 5,228 |
| Net interest margin | 3.9507% | 2,036 |
| Noninterest income to average assets | 0.8998% | 1,524 |
| Noninterest expense to average assets | 3.8446% | 914 |
| Loan and lease loss provision to assets | 0.0735% | 2,869 |
| Net operating income to assets | 0.5074% | 4,851 |
| Return on assets (ROA) | 0.5074% | 4,912 |
| Pretax return on assets | 0.6017% | 5,020 |
| Return on Equity (ROE) | 5.0386% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,789 |
| Net charge-offs to loans | 0.2897% | 1,363 |
| Credit loss provision to net charge-offs | 38.1295% | 3,318 |
| Earnings coverage of net charge-offs (x) | 3.5036% | 3,647 |
| Efficiency ratio | 85.0613% | 1,280 |
| Assets per employee ($millions) | 2.3322% | 6,335 |
| Cash dividends to net income (ytd only)* | 100.0000% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,423 |
| Loan loss allowance to noncurrent loans | 73.6486% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 2,754 |
| Noncurrent loans to loans | 1.5795% | 2,062 |
| Net loans and leases to total assets | 67.7951% | 2,568 |
| Net loans and leases to deposits | 78.1274% | 2,937 |
| Net loans and leases to core deposits | 78.6010% | 3,483 |
| Total domestic deposits to total assets | 86.7750% | 2,431 |
| Equity capital to assets | 10.2016% | 3,930 |
| Core capital (leverage) ratio | 10.0442% | 3,613 |
| Tier 1 risk-based capital ratio | 16.3572% | 2,873 |
| Total risk-based capital ratio | 17.6067% | 2,832 |
| Memoranda: | ||
| Average total assets | $96,166,000 | 4,738 |
| Average earning assets | $88,117,750 | 4,743 |
| Average equity | $9,685,000 | 4,850 |
| Average total loans | $63,978,750 | 4,404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 3,070 |
| Cost of funding earning assets | 0.2788% | 5,209 |
| Net interest margin | 3.8913% | 2,209 |
| Noninterest income to average assets | 0.8947% | 1,510 |
| Noninterest expense to average assets | 3.8610% | 896 |
| Loan and lease loss provision to assets | 0.0768% | 2,739 |
| Net operating income to assets | 0.4546% | 4,994 |
| Return on assets (ROA) | 0.4546% | 5,073 |
| Pretax return on assets | 0.5210% | 5,220 |
| Return on Equity (ROE) | 4.5334% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.1592% | 5,289 |
| Net charge-offs to loans | 0.4224% | 967 |
| Credit loss provision to net charge-offs | 27.6119% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.1493% | 3,622 |
| Efficiency ratio | 86.5922% | 1,211 |
| Assets per employee ($millions) | 2.3937% | 6,363 |
| Cash dividends to net income (ytd only)* | 74.4292% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,561 |
| Loan loss allowance to noncurrent loans | 67.1735% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 2,764 |
| Noncurrent loans to loans | 1.7428% | 1,981 |
| Net loans and leases to total assets | 64.6009% | 2,984 |
| Net loans and leases to deposits | 74.2050% | 3,293 |
| Net loans and leases to core deposits | 74.6418% | 3,764 |
| Total domestic deposits to total assets | 87.0574% | 2,424 |
| Equity capital to assets | 9.9856% | 4,125 |
| Core capital (leverage) ratio | 10.0831% | 3,494 |
| Tier 1 risk-based capital ratio | 16.5542% | 2,801 |
| Total risk-based capital ratio | 17.8047% | 2,764 |
| Memoranda: | ||
| Average total assets | $96,347,330 | 4,765 |
| Average earning assets | $88,248,670 | 4,772 |
| Average equity | $9,661,670 | 4,870 |
| Average total loans | $63,441,670 | 4,442 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,029 |
| Cost of funding earning assets | 0.2747% | 5,340 |
| Net interest margin | 3.8864% | 2,132 |
| Noninterest income to average assets | 0.8004% | 1,746 |
| Noninterest expense to average assets | 4.0566% | 705 |
| Loan and lease loss provision to assets | 0.0545% | 3,026 |
| Net operating income to assets | 0.2347% | 5,704 |
| Return on assets (ROA) | 0.2347% | 5,752 |
| Pretax return on assets | 0.2472% | 5,836 |
| Return on Equity (ROE) | 2.3352% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.0834% | 5,526 |
| Net charge-offs to loans | 0.7799% | 443 |
| Credit loss provision to net charge-offs | 10.5691% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.5854% | 3,308 |
| Efficiency ratio | 93.0769% | 810 |
| Assets per employee ($millions) | 2.3444% | 6,451 |
| Cash dividends to net income (ytd only)* | 96.4286% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,762 |
| Loan loss allowance to noncurrent loans | 59.9351% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 2,688 |
| Noncurrent loans to loans | 1.9570% | 1,923 |
| Net loans and leases to total assets | 64.7774% | 2,762 |
| Net loans and leases to deposits | 75.3045% | 2,903 |
| Net loans and leases to core deposits | 75.7626% | 3,427 |
| Total domestic deposits to total assets | 86.0206% | 3,355 |
| Equity capital to assets | 10.0551% | 3,781 |
| Core capital (leverage) ratio | 10.3494% | 3,117 |
| Tier 1 risk-based capital ratio | 16.8685% | 2,745 |
| Total risk-based capital ratio | 18.1188% | 2,704 |
| Memoranda: | ||
| Average total assets | $95,450,500 | 4,829 |
| Average earning assets | $87,381,500 | 4,839 |
| Average equity | $9,592,500 | 4,911 |
| Average total loans | $63,087,000 | 4,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,915 |
| Cost of funding earning assets | 0.3099% | 5,519 |
| Net interest margin | 4.0021% | 1,940 |
| Noninterest income to average assets | 1.0701% | 1,234 |
| Noninterest expense to average assets | 3.8452% | 1,063 |
| Loan and lease loss provision to assets | 0.1588% | 2,298 |
| Net operating income to assets | 0.6922% | 3,830 |
| Return on assets (ROA) | 0.6922% | 3,924 |
| Pretax return on assets | 0.7293% | 4,420 |
| Return on Equity (ROE) | 6.8541% | 3,648 |
| Retained earnings to average equity (ytd only) | 2.9030% | 4,179 |
| Net charge-offs to loans | 0.2684% | 2,361 |
| Credit loss provision to net charge-offs | 87.2093% | 2,839 |
| Earnings coverage of net charge-offs (x) | 4.8779% | 3,433 |
| Efficiency ratio | 81.2388% | 1,988 |
| Assets per employee ($millions) | 2.3117% | 6,516 |
| Cash dividends to net income (ytd only)* | 57.6453% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,919 |
| Loan loss allowance to noncurrent loans | 58.3104% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5562% | 2,393 |
| Noncurrent loans to loans | 2.3049% | 1,669 |
| Net loans and leases to total assets | 65.7537% | 2,731 |
| Net loans and leases to deposits | 76.5467% | 2,910 |
| Net loans and leases to core deposits | 77.0197% | 3,485 |
| Total domestic deposits to total assets | 85.9001% | 3,312 |
| Equity capital to assets | 10.0442% | 3,701 |
| Core capital (leverage) ratio | 10.2856% | 3,168 |
| Tier 1 risk-based capital ratio | 17.1713% | 2,534 |
| Total risk-based capital ratio | 18.4251% | 2,508 |
| Memoranda: | ||
| Average total assets | $94,480,600 | 4,881 |
| Average earning assets | $86,479,400 | 4,866 |
| Average equity | $9,541,800 | 4,962 |
| Average total loans | $64,092,800 | 4,481 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,868 |
| Cost of funding earning assets | 0.3178% | 5,571 |
| Net interest margin | 4.0125% | 1,901 |
| Noninterest income to average assets | 1.0903% | 1,229 |
| Noninterest expense to average assets | 3.8443% | 1,032 |
| Loan and lease loss provision to assets | 0.1059% | 2,989 |
| Net operating income to assets | 0.6482% | 4,132 |
| Return on assets (ROA) | 0.6482% | 4,255 |
| Pretax return on assets | 0.8135% | 4,248 |
| Return on Equity (ROE) | 6.4100% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.4998% | 4,820 |
| Net charge-offs to loans | 0.1057% | 3,477 |
| Credit loss provision to net charge-offs | 147.0588% | 1,599 |
| Earnings coverage of net charge-offs (x) | 12.7644% | 2,096 |
| Efficiency ratio | 80.6997% | 2,010 |
| Assets per employee ($millions) | 2.4044% | 6,542 |
| Cash dividends to net income (ytd only)* | 61.0020% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,811 |
| Loan loss allowance to noncurrent loans | 54.3796% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 2,275 |
| Noncurrent loans to loans | 2.6106% | 1,628 |
| Net loans and leases to total assets | 66.2035% | 2,601 |
| Net loans and leases to deposits | 77.4309% | 2,754 |
| Net loans and leases to core deposits | 77.9168% | 3,373 |
| Total domestic deposits to total assets | 85.5001% | 3,493 |
| Equity capital to assets | 10.0957% | 3,774 |
| Core capital (leverage) ratio | 10.2141% | 3,380 |
| Tier 1 risk-based capital ratio | 16.6781% | 2,866 |
| Total risk-based capital ratio | 17.9325% | 2,826 |
| Memoranda: | ||
| Average total assets | $94,405,500 | 4,925 |
| Average earning assets | $86,427,250 | 4,917 |
| Average equity | $9,547,250 | 5,021 |
| Average total loans | $64,323,250 | 4,520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 3,040 |
| Cost of funding earning assets | 0.3281% | 5,582 |
| Net interest margin | 3.9509% | 2,043 |
| Noninterest income to average assets | 1.1245% | 1,208 |
| Noninterest expense to average assets | 3.9253% | 952 |
| Loan and lease loss provision to assets | 0.1057% | 3,025 |
| Net operating income to assets | 0.5771% | 4,413 |
| Return on assets (ROA) | 0.5771% | 4,588 |
| Pretax return on assets | 0.7081% | 4,663 |
| Return on Equity (ROE) | 5.7029% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.7965% | 5,114 |
| Net charge-offs to loans | 0.1760% | 2,711 |
| Credit loss provision to net charge-offs | 87.7193% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.7544% | 2,662 |
| Efficiency ratio | 82.8278% | 1,785 |
| Assets per employee ($millions) | 2.3512% | 6,611 |
| Cash dividends to net income (ytd only)* | 68.4982% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 4,313 |
| Loan loss allowance to noncurrent loans | 53.3704% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.7640% | 2,469 |
| Noncurrent loans to loans | 2.5113% | 1,842 |
| Net loans and leases to total assets | 67.5456% | 2,333 |
| Net loans and leases to deposits | 79.4125% | 2,415 |
| Net loans and leases to core deposits | 79.9119% | 3,034 |
| Total domestic deposits to total assets | 85.0567% | 3,866 |
| Equity capital to assets | 10.1787% | 3,687 |
| Core capital (leverage) ratio | 10.0015% | 3,519 |
| Tier 1 risk-based capital ratio | 16.3923% | 2,989 |
| Total risk-based capital ratio | 17.6457% | 2,946 |
| Memoranda: | ||
| Average total assets | $94,616,330 | 4,944 |
| Average earning assets | $86,561,670 | 4,935 |
| Average equity | $9,574,000 | 5,043 |
| Average total loans | $64,772,670 | 4,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 3,152 |
| Cost of funding earning assets | 0.3364% | 5,668 |
| Net interest margin | 3.9030% | 2,109 |
| Noninterest income to average assets | 1.0453% | 1,354 |
| Noninterest expense to average assets | 3.9916% | 894 |
| Loan and lease loss provision to assets | 0.1054% | 2,926 |
| Net operating income to assets | 0.4510% | 4,907 |
| Return on assets (ROA) | 0.4510% | 5,067 |
| Pretax return on assets | 0.5184% | 5,203 |
| Return on Equity (ROE) | 4.4702% | 4,860 |
| Retained earnings to average equity (ytd only) | 0.8773% | 5,496 |
| Net charge-offs to loans | 0.2771% | 1,849 |
| Credit loss provision to net charge-offs | 55.5556% | 2,512 |
| Earnings coverage of net charge-offs (x) | 3.2889% | 2,799 |
| Efficiency ratio | 86.4840% | 1,461 |
| Assets per employee ($millions) | 2.3188% | 6,713 |
| Cash dividends to net income (ytd only)* | 80.3738% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,670 |
| Loan loss allowance to noncurrent loans | 46.4481% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 1.9691% | 2,382 |
| Noncurrent loans to loans | 2.8087% | 1,803 |
| Net loans and leases to total assets | 67.6386% | 2,087 |
| Net loans and leases to deposits | 79.8688% | 2,092 |
| Net loans and leases to core deposits | 80.6198% | 2,734 |
| Total domestic deposits to total assets | 84.6871% | 4,184 |
| Equity capital to assets | 10.0841% | 4,036 |
| Core capital (leverage) ratio | 10.0956% | 3,279 |
| Tier 1 risk-based capital ratio | 16.3270% | 3,095 |
| Total risk-based capital ratio | 17.5789% | 3,045 |
| Memoranda: | ||
| Average total assets | $94,900,000 | 4,979 |
| Average earning assets | $86,805,500 | 4,964 |
| Average equity | $9,574,500 | 5,095 |
| Average total loans | $64,964,500 | 4,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 3,774 |
| Cost of funding earning assets | 0.4238% | 5,762 |
| Net interest margin | 3.9855% | 2,458 |
| Noninterest income to average assets | 1.0934% | 1,293 |
| Noninterest expense to average assets | 3.8242% | 1,213 |
| Loan and lease loss provision to assets | 0.1886% | 3,281 |
| Net operating income to assets | 0.5634% | 4,416 |
| Return on assets (ROA) | 0.6613% | 4,191 |
| Pretax return on assets | 0.8346% | 4,168 |
| Return on Equity (ROE) | 6.3378% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.2718% | 5,231 |
| Net charge-offs to loans | 0.1893% | 3,860 |
| Credit loss provision to net charge-offs | 152.2124% | 1,784 |
| Earnings coverage of net charge-offs (x) | 7.2566% | 2,646 |
| Efficiency ratio | 80.9612% | 2,011 |
| Assets per employee ($millions) | 2.3683% | 6,732 |
| Cash dividends to net income (ytd only)* | 79.9337% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,432 |
| Loan loss allowance to noncurrent loans | 61.0799% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 2,992 |
| Noncurrent loans to loans | 2.2015% | 2,463 |
| Net loans and leases to total assets | 67.4591% | 2,287 |
| Net loans and leases to deposits | 79.8860% | 2,299 |
| Net loans and leases to core deposits | 80.9270% | 2,890 |
| Total domestic deposits to total assets | 84.4442% | 4,103 |
| Equity capital to assets | 10.0940% | 4,043 |
| Core capital (leverage) ratio | 10.4326% | 2,846 |
| Tier 1 risk-based capital ratio | 16.2271% | 3,039 |
| Total risk-based capital ratio | 17.4793% | 2,990 |
| Memoranda: | ||
| Average total assets | $91,183,400 | 5,049 |
| Average earning assets | $83,050,200 | 5,043 |
| Average equity | $9,514,400 | 5,106 |
| Average total loans | $59,684,000 | 4,724 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 3,972 |
| Cost of funding earning assets | 0.4440% | 5,839 |
| Net interest margin | 3.9748% | 2,604 |
| Noninterest income to average assets | 1.0439% | 1,388 |
| Noninterest expense to average assets | 3.9129% | 1,046 |
| Loan and lease loss provision to assets | 0.1831% | 3,301 |
| Net operating income to assets | 0.4614% | 4,987 |
| Return on assets (ROA) | 0.5965% | 4,673 |
| Pretax return on assets | 0.7368% | 4,716 |
| Return on Equity (ROE) | 5.6685% | 4,500 |
| Retained earnings to average equity (ytd only) | 1.1365% | 5,717 |
| Net charge-offs to loans | 0.2602% | 3,164 |
| Credit loss provision to net charge-offs | 108.7719% | 2,698 |
| Earnings coverage of net charge-offs (x) | 4.4736% | 3,293 |
| Efficiency ratio | 83.8608% | 1,607 |
| Assets per employee ($millions) | 2.2060% | 6,914 |
| Cash dividends to net income (ytd only)* | 79.9517% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,631 |
| Loan loss allowance to noncurrent loans | 55.9564% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 2,950 |
| Noncurrent loans to loans | 2.3957% | 2,407 |
| Net loans and leases to total assets | 68.5577% | 2,205 |
| Net loans and leases to deposits | 82.6482% | 2,036 |
| Net loans and leases to core deposits | 83.2487% | 2,785 |
| Total domestic deposits to total assets | 82.9512% | 4,653 |
| Equity capital to assets | 10.8079% | 3,493 |
| Core capital (leverage) ratio | 10.5743% | 2,827 |
| Tier 1 risk-based capital ratio | 16.8808% | 2,790 |
| Total risk-based capital ratio | 18.1332% | 2,754 |
| Memoranda: | ||
| Average total assets | $90,296,750 | 5,131 |
| Average earning assets | $82,283,500 | 5,111 |
| Average equity | $9,502,500 | 5,151 |
| Average total loans | $58,411,250 | 4,824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 4,333 |
| Cost of funding earning assets | 0.4626% | 5,889 |
| Net interest margin | 3.9004% | 2,905 |
| Noninterest income to average assets | 1.0332% | 1,369 |
| Noninterest expense to average assets | 3.9282% | 1,042 |
| Loan and lease loss provision to assets | 0.2308% | 2,768 |
| Net operating income to assets | 0.3525% | 5,418 |
| Return on assets (ROA) | 0.5562% | 4,836 |
| Pretax return on assets | 0.6815% | 4,883 |
| Return on Equity (ROE) | 5.3314% | 4,653 |
| Retained earnings to average equity (ytd only) | 0.9693% | 5,686 |
| Net charge-offs to loans | 0.4074% | 2,400 |
| Credit loss provision to net charge-offs | 89.7436% | 3,057 |
| Earnings coverage of net charge-offs (x) | 2.5812% | 3,713 |
| Efficiency ratio | 85.5433% | 1,478 |
| Assets per employee ($millions) | 2.3287% | 6,887 |
| Cash dividends to net income (ytd only)* | 81.8182% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,600 |
| Loan loss allowance to noncurrent loans | 44.7427% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1471% | 2,614 |
| Noncurrent loans to loans | 3.0455% | 1,932 |
| Net loans and leases to total assets | 63.7631% | 3,087 |
| Net loans and leases to deposits | 76.7230% | 2,883 |
| Net loans and leases to core deposits | 77.2635% | 3,621 |
| Total domestic deposits to total assets | 83.1082% | 4,710 |
| Equity capital to assets | 10.4604% | 3,730 |
| Core capital (leverage) ratio | 10.2762% | 3,072 |
| Tier 1 risk-based capital ratio | 17.4067% | 2,507 |
| Total risk-based capital ratio | 18.6587% | 2,473 |
| Memoranda: | ||
| Average total assets | $90,982,000 | 5,138 |
| Average earning assets | $83,016,330 | 5,126 |
| Average equity | $9,491,000 | 5,158 |
| Average total loans | $57,442,330 | 4,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 4,441 |
| Cost of funding earning assets | 0.4804% | 5,940 |
| Net interest margin | 3.8911% | 2,964 |
| Noninterest income to average assets | 0.8961% | 1,761 |
| Noninterest expense to average assets | 3.9313% | 1,018 |
| Loan and lease loss provision to assets | 0.2679% | 2,313 |
| Net operating income to assets | 0.2241% | 5,909 |
| Return on assets (ROA) | 0.4305% | 5,309 |
| Pretax return on assets | 0.4920% | 5,458 |
| Return on Equity (ROE) | 4.1322% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.8433% | 5,721 |
| Net charge-offs to loans | 0.2183% | 2,835 |
| Credit loss provision to net charge-offs | 196.7742% | 1,359 |
| Earnings coverage of net charge-offs (x) | 3.8387% | 2,731 |
| Efficiency ratio | 88.2643% | 1,255 |
| Assets per employee ($millions) | 2.4864% | 6,854 |
| Cash dividends to net income (ytd only)* | 79.5918% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 4,268 |
| Loan loss allowance to noncurrent loans | 54.6753% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.8685% | 3,094 |
| Noncurrent loans to loans | 2.7026% | 2,417 |
| Net loans and leases to total assets | 61.0248% | 3,448 |
| Net loans and leases to deposits | 73.6102% | 3,175 |
| Net loans and leases to core deposits | 73.8765% | 3,915 |
| Total domestic deposits to total assets | 82.9027% | 4,970 |
| Equity capital to assets | 10.2829% | 3,748 |
| Core capital (leverage) ratio | 10.3193% | 2,971 |
| Tier 1 risk-based capital ratio | 17.4324% | 2,504 |
| Total risk-based capital ratio | 18.6860% | 2,470 |
| Memoranda: | ||
| Average total assets | $91,063,500 | 5,173 |
| Average earning assets | $83,266,500 | 5,165 |
| Average equity | $9,486,500 | 5,174 |
| Average total loans | $56,809,000 | 4,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 4,565 |
| Cost of funding earning assets | 0.6609% | 5,762 |
| Net interest margin | 3.9652% | 3,041 |
| Noninterest income to average assets | 1.1453% | 999 |
| Noninterest expense to average assets | 4.0533% | 957 |
| Loan and lease loss provision to assets | 0.0880% | 5,490 |
| Net operating income to assets | 0.4680% | 4,549 |
| Return on assets (ROA) | 0.4717% | 4,741 |
| Pretax return on assets | 0.5926% | 4,718 |
| Return on Equity (ROE) | 4.9398% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.5390% | 3,706 |
| Net charge-offs to loans | 0.0743% | 5,576 |
| Credit loss provision to net charge-offs | 182.9268% | 1,407 |
| Earnings coverage of net charge-offs (x) | 14.0488% | 1,491 |
| Efficiency ratio | 85.7072% | 1,597 |
| Assets per employee ($millions) | 2.1983% | 7,080 |
| Cash dividends to net income (ytd only)* | 28.3582% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,312 |
| Loan loss allowance to noncurrent loans | 50.0617% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 3,084 |
| Noncurrent loans to loans | 2.8640% | 2,281 |
| Net loans and leases to total assets | 61.9361% | 3,611 |
| Net loans and leases to deposits | 75.5120% | 3,255 |
| Net loans and leases to core deposits | 75.7939% | 4,010 |
| Total domestic deposits to total assets | 82.0215% | 5,120 |
| Equity capital to assets | 10.5548% | 3,467 |
| Core capital (leverage) ratio | 10.6160% | 2,601 |
| Tier 1 risk-based capital ratio | 17.4637% | 2,396 |
| Total risk-based capital ratio | 18.7170% | 2,359 |
| Memoranda: | ||
| Average total assets | $85,215,000 | 5,305 |
| Average earning assets | $77,019,600 | 5,316 |
| Average equity | $8,138,000 | 5,529 |
| Average total loans | $55,146,200 | 5,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 4,535 |
| Cost of funding earning assets | 0.7051% | 5,731 |
| Net interest margin | 3.9784% | 3,012 |
| Noninterest income to average assets | 1.1383% | 1,019 |
| Noninterest expense to average assets | 4.1434% | 847 |
| Loan and lease loss provision to assets | 0.1191% | 4,946 |
| Net operating income to assets | 0.3921% | 5,035 |
| Return on assets (ROA) | 0.3921% | 5,219 |
| Pretax return on assets | 0.4588% | 5,288 |
| Return on Equity (ROE) | 4.2253% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.2751% | 4,987 |
| Net charge-offs to loans | 0.0657% | 5,305 |
| Credit loss provision to net charge-offs | 277.7778% | 1,028 |
| Earnings coverage of net charge-offs (x) | 13.4811% | 1,614 |
| Efficiency ratio | 87.7606% | 1,366 |
| Assets per employee ($millions) | 2.1336% | 7,185 |
| Cash dividends to net income (ytd only)* | 46.1543% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 4,027 |
| Loan loss allowance to noncurrent loans | 69.6459% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4850% | 3,889 |
| Noncurrent loans to loans | 2.1745% | 3,146 |
| Net loans and leases to total assets | 61.4054% | 3,872 |
| Net loans and leases to deposits | 75.6635% | 3,380 |
| Net loans and leases to core deposits | 76.2813% | 4,166 |
| Total domestic deposits to total assets | 81.1560% | 5,384 |
| Equity capital to assets | 10.8395% | 3,302 |
| Core capital (leverage) ratio | 11.0583% | 2,339 |
| Tier 1 risk-based capital ratio | 18.0827% | 2,221 |
| Total risk-based capital ratio | 19.3368% | 2,184 |
| Memoranda: | ||
| Average total assets | $83,986,250 | 5,379 |
| Average earning assets | $75,640,750 | 5,398 |
| Average equity | $7,794,250 | 5,659 |
| Average total loans | $54,774,000 | 5,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 4,396 |
| Cost of funding earning assets | 0.7403% | 5,734 |
| Net interest margin | 3.9896% | 2,889 |
| Noninterest income to average assets | 1.0166% | 1,282 |
| Noninterest expense to average assets | 4.2114% | 820 |
| Loan and lease loss provision to assets | 0.1207% | 4,767 |
| Net operating income to assets | 0.2825% | 5,437 |
| Return on assets (ROA) | 0.2825% | 5,568 |
| Pretax return on assets | 0.2632% | 5,769 |
| Return on Equity (ROE) | 3.2358% | 5,287 |
| Retained earnings to average equity (ytd only) | 1.4381% | 5,269 |
| Net charge-offs to loans | 0.0474% | 5,186 |
| Credit loss provision to net charge-offs | 384.6154% | 784 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,642 |
| Efficiency ratio | 91.6448% | 1,113 |
| Assets per employee ($millions) | 2.0240% | 7,287 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,377 |
| Loan loss allowance to noncurrent loans | 67.1334% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 3,848 |
| Noncurrent loans to loans | 2.1497% | 3,287 |
| Net loans and leases to total assets | 65.4734% | 3,141 |
| Net loans and leases to deposits | 80.6658% | 2,671 |
| Net loans and leases to core deposits | 81.3437% | 3,603 |
| Total domestic deposits to total assets | 81.1663% | 5,472 |
| Equity capital to assets | 8.7546% | 5,872 |
| Core capital (leverage) ratio | 8.8050% | 5,038 |
| Tier 1 risk-based capital ratio | 14.1517% | 4,058 |
| Total risk-based capital ratio | 15.4055% | 4,028 |
| Memoranda: | ||
| Average total assets | $82,823,000 | 5,461 |
| Average earning assets | $74,292,670 | 5,484 |
| Average equity | $7,231,670 | 5,858 |
| Average total loans | $54,851,670 | 5,178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 4,296 |
| Cost of funding earning assets | 0.7541% | 5,833 |
| Net interest margin | 3.9948% | 2,708 |
| Noninterest income to average assets | 0.9739% | 1,404 |
| Noninterest expense to average assets | 4.3655% | 682 |
| Loan and lease loss provision to assets | 0.1224% | 4,478 |
| Net operating income to assets | 0.1615% | 5,911 |
| Return on assets (ROA) | 0.1615% | 5,963 |
| Pretax return on assets | 0.0636% | 6,250 |
| Return on Equity (ROE) | 1.8522% | 5,842 |
| Retained earnings to average equity (ytd only) | 0.5613% | 5,607 |
| Net charge-offs to loans | 0.0740% | 4,197 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 2,630 |
| Efficiency ratio | 95.9140% | 925 |
| Assets per employee ($millions) | 2.0108% | 7,354 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 4,369 |
| Loan loss allowance to noncurrent loans | 60.2885% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6460% | 3,783 |
| Noncurrent loans to loans | 2.4309% | 3,063 |
| Net loans and leases to total assets | 64.7514% | 3,296 |
| Net loans and leases to deposits | 78.3627% | 2,998 |
| Net loans and leases to core deposits | 79.0239% | 3,878 |
| Total domestic deposits to total assets | 82.6304% | 5,052 |
| Equity capital to assets | 8.7794% | 5,527 |
| Core capital (leverage) ratio | 9.1094% | 4,433 |
| Tier 1 risk-based capital ratio | 14.8181% | 3,528 |
| Total risk-based capital ratio | 16.0718% | 3,490 |
| Memoranda: | ||
| Average total assets | $81,731,000 | 5,532 |
| Average earning assets | $73,196,000 | 5,564 |
| Average equity | $7,126,500 | 5,890 |
| Average total loans | $54,041,500 | 5,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 5,401 |
| Cost of funding earning assets | 0.8646% | 6,322 |
| Net interest margin | 3.9376% | 3,310 |
| Noninterest income to average assets | 1.2308% | 999 |
| Noninterest expense to average assets | 3.9850% | 1,179 |
| Loan and lease loss provision to assets | 0.1289% | 5,876 |
| Net operating income to assets | 0.5442% | 3,914 |
| Return on assets (ROA) | 0.5787% | 3,921 |
| Pretax return on assets | 0.7166% | 3,912 |
| Return on Equity (ROE) | 6.2344% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.8045% | 3,199 |
| Net charge-offs to loans | 0.2908% | 4,563 |
| Credit loss provision to net charge-offs | 66.2252% | 5,950 |
| Earnings coverage of net charge-offs (x) | 4.1258% | 3,051 |
| Efficiency ratio | 83.2301% | 2,026 |
| Assets per employee ($millions) | 2.0255% | 7,409 |
| Cash dividends to net income (ytd only)* | 38.9755% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 4,319 |
| Loan loss allowance to noncurrent loans | 56.3360% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 3,675 |
| Noncurrent loans to loans | 2.5619% | 2,968 |
| Net loans and leases to total assets | 65.5747% | 3,549 |
| Net loans and leases to deposits | 79.7191% | 3,221 |
| Net loans and leases to core deposits | 80.4080% | 4,153 |
| Total domestic deposits to total assets | 82.2572% | 5,105 |
| Equity capital to assets | 8.6585% | 5,644 |
| Core capital (leverage) ratio | 9.1631% | 4,240 |
| Tier 1 risk-based capital ratio | 14.3340% | 3,655 |
| Total risk-based capital ratio | 15.5600% | 3,623 |
| Memoranda: | ||
| Average total assets | $77,591,200 | 5,656 |
| Average earning assets | $70,093,800 | 5,664 |
| Average equity | $7,202,000 | 5,964 |
| Average total loans | $51,925,400 | 5,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 5,368 |
| Cost of funding earning assets | 0.8903% | 6,431 |
| Net interest margin | 3.9882% | 3,157 |
| Noninterest income to average assets | 1.2076% | 952 |
| Noninterest expense to average assets | 3.8939% | 1,210 |
| Loan and lease loss provision to assets | 0.1738% | 5,303 |
| Net operating income to assets | 0.5837% | 3,941 |
| Return on assets (ROA) | 0.6290% | 3,923 |
| Pretax return on assets | 0.8010% | 3,899 |
| Return on Equity (ROE) | 6.6584% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.2489% | 3,499 |
| Net charge-offs to loans | 0.3085% | 4,111 |
| Credit loss provision to net charge-offs | 84.0336% | 4,997 |
| Earnings coverage of net charge-offs (x) | 4.4370% | 3,050 |
| Efficiency ratio | 80.9317% | 2,223 |
| Assets per employee ($millions) | 2.0365% | 7,500 |
| Cash dividends to net income (ytd only)* | 36.1877% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,597 |
| Loan loss allowance to noncurrent loans | 54.5027% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,447 |
| Noncurrent loans to loans | 2.9071% | 2,745 |
| Net loans and leases to total assets | 65.0928% | 3,890 |
| Net loans and leases to deposits | 79.6704% | 3,508 |
| Net loans and leases to core deposits | 80.3964% | 4,469 |
| Total domestic deposits to total assets | 81.7026% | 5,117 |
| Equity capital to assets | 9.6462% | 4,625 |
| Core capital (leverage) ratio | 9.6045% | 3,761 |
| Tier 1 risk-based capital ratio | 15.3573% | 3,068 |
| Total risk-based capital ratio | 16.6134% | 3,029 |
| Memoranda: | ||
| Average total assets | $76,734,250 | 5,750 |
| Average earning assets | $69,336,250 | 5,760 |
| Average equity | $7,248,750 | 6,028 |
| Average total loans | $51,430,250 | 5,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 5,376 |
| Cost of funding earning assets | 0.9045% | 6,562 |
| Net interest margin | 3.9971% | 3,026 |
| Noninterest income to average assets | 1.0508% | 1,214 |
| Noninterest expense to average assets | 3.9364% | 1,130 |
| Loan and lease loss provision to assets | 0.2614% | 4,309 |
| Net operating income to assets | 0.4156% | 4,683 |
| Return on assets (ROA) | 0.4156% | 4,841 |
| Pretax return on assets | 0.4914% | 4,930 |
| Return on Equity (ROE) | 4.4310% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.2327% | 4,047 |
| Net charge-offs to loans | 0.4271% | 3,286 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 2.6182% | 3,687 |
| Efficiency ratio | 83.9465% | 1,925 |
| Assets per employee ($millions) | 2.1221% | 7,496 |
| Cash dividends to net income (ytd only)* | 27.0440% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,541 |
| Loan loss allowance to noncurrent loans | 52.8728% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0891% | 3,392 |
| Noncurrent loans to loans | 2.9870% | 2,685 |
| Net loans and leases to total assets | 66.8076% | 3,667 |
| Net loans and leases to deposits | 82.5260% | 3,178 |
| Net loans and leases to core deposits | 83.2950% | 4,240 |
| Total domestic deposits to total assets | 80.9534% | 5,416 |
| Equity capital to assets | 9.4755% | 4,739 |
| Core capital (leverage) ratio | 9.3364% | 4,059 |
| Tier 1 risk-based capital ratio | 15.2078% | 3,055 |
| Total risk-based capital ratio | 16.4631% | 3,010 |
| Memoranda: | ||
| Average total assets | $76,516,330 | 5,788 |
| Average earning assets | $69,650,330 | 5,788 |
| Average equity | $7,176,670 | 6,081 |
| Average total loans | $51,512,000 | 5,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 5,676 |
| Cost of funding earning assets | 0.9328% | 6,648 |
| Net interest margin | 3.9201% | 3,239 |
| Noninterest income to average assets | 0.9820% | 1,359 |
| Noninterest expense to average assets | 3.9386% | 1,116 |
| Loan and lease loss provision to assets | 0.2612% | 3,950 |
| Net operating income to assets | 0.3239% | 5,194 |
| Return on assets (ROA) | 0.3239% | 5,325 |
| Pretax return on assets | 0.3604% | 5,415 |
| Return on Equity (ROE) | 3.4707% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.5750% | 4,593 |
| Net charge-offs to loans | 0.8103% | 1,914 |
| Credit loss provision to net charge-offs | 48.0769% | 4,516 |
| Earnings coverage of net charge-offs (x) | 1.1442% | 4,081 |
| Efficiency ratio | 86.3688% | 1,756 |
| Assets per employee ($millions) | 2.2316% | 7,518 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,932 |
| Loan loss allowance to noncurrent loans | 55.6353% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0665% | 3,423 |
| Noncurrent loans to loans | 2.6864% | 2,987 |
| Net loans and leases to total assets | 67.3177% | 3,547 |
| Net loans and leases to deposits | 84.4153% | 2,869 |
| Net loans and leases to core deposits | 84.8359% | 4,079 |
| Total domestic deposits to total assets | 79.7459% | 5,874 |
| Equity capital to assets | 9.4536% | 4,607 |
| Core capital (leverage) ratio | 9.3365% | 3,990 |
| Tier 1 risk-based capital ratio | 15.5580% | 2,848 |
| Total risk-based capital ratio | 16.8132% | 2,786 |
| Memoranda: | ||
| Average total assets | $76,576,000 | 5,862 |
| Average earning assets | $69,896,000 | 5,851 |
| Average equity | $7,145,500 | 6,135 |
| Average total loans | $51,339,000 | 5,615 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 5,086 |
| Cost of funding earning assets | 1.0485% | 7,105 |
| Net interest margin | 4.2703% | 1,815 |
| Noninterest income to average assets | 1.3791% | 773 |
| Noninterest expense to average assets | 4.0300% | 1,322 |
| Loan and lease loss provision to assets | 0.4671% | 4,031 |
| Net operating income to assets | 0.6378% | 3,180 |
| Return on assets (ROA) | 0.6791% | 3,073 |
| Pretax return on assets | 0.9190% | 2,863 |
| Return on Equity (ROE) | 7.0044% | 2,784 |
| Retained earnings to average equity (ytd only) | 4.5593% | 2,063 |
| Net charge-offs to loans | 0.1265% | 5,927 |
| Credit loss provision to net charge-offs | 492.6471% | 623 |
| Earnings coverage of net charge-offs (x) | 14.0294% | 1,389 |
| Efficiency ratio | 75.1821% | 3,675 |
| Assets per employee ($millions) | 2.2728% | 7,504 |
| Cash dividends to net income (ytd only)* | 34.9076% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 3,159 |
| Loan loss allowance to noncurrent loans | 69.4305% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 3,721 |
| Noncurrent loans to loans | 2.3492% | 3,231 |
| Net loans and leases to total assets | 64.6980% | 4,443 |
| Net loans and leases to deposits | 81.2652% | 3,747 |
| Net loans and leases to core deposits | 85.7726% | 5,541 |
| Total domestic deposits to total assets | 79.6133% | 5,811 |
| Equity capital to assets | 9.2111% | 4,830 |
| Core capital (leverage) ratio | 9.2599% | 4,038 |
| Tier 1 risk-based capital ratio | 15.6206% | 2,664 |
| Total risk-based capital ratio | 16.8781% | 2,613 |
| Memoranda: | ||
| Average total assets | $71,712,000 | 5,952 |
| Average earning assets | $66,856,400 | 5,898 |
| Average equity | $6,952,800 | 6,285 |
| Average total loans | $53,770,800 | 5,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 4,882 |
| Cost of funding earning assets | 1.0685% | 7,248 |
| Net interest margin | 4.3446% | 1,602 |
| Noninterest income to average assets | 1.4410% | 716 |
| Noninterest expense to average assets | 4.1618% | 1,072 |
| Loan and lease loss provision to assets | 0.2370% | 5,070 |
| Net operating income to assets | 0.7618% | 2,974 |
| Return on assets (ROA) | 0.8134% | 2,815 |
| Pretax return on assets | 1.1964% | 2,276 |
| Return on Equity (ROE) | 8.2759% | 2,526 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,494 |
| Net charge-offs to loans | 0.0978% | 5,692 |
| Credit loss provision to net charge-offs | 312.5000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 17.9006% | 1,378 |
| Efficiency ratio | 75.4036% | 3,609 |
| Assets per employee ($millions) | 2.1586% | 7,650 |
| Cash dividends to net income (ytd only)* | 39.6266% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,185 |
| Loan loss allowance to noncurrent loans | 85.2437% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2244% | 4,620 |
| Noncurrent loans to loans | 1.3918% | 4,587 |
| Net loans and leases to total assets | 71.3276% | 3,189 |
| Net loans and leases to deposits | 90.8061% | 2,429 |
| Net loans and leases to core deposits | 96.4266% | 4,761 |
| Total domestic deposits to total assets | 78.5493% | 5,942 |
| Equity capital to assets | 9.4494% | 4,816 |
| Core capital (leverage) ratio | 9.4266% | 4,012 |
| Tier 1 risk-based capital ratio | 15.1312% | 2,987 |
| Total risk-based capital ratio | 16.3832% | 2,920 |
| Memoranda: | ||
| Average total assets | $70,321,000 | 6,031 |
| Average earning assets | $66,011,750 | 5,964 |
| Average equity | $6,911,500 | 6,346 |
| Average total loans | $54,507,250 | 5,538 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 4,445 |
| Cost of funding earning assets | 1.0904% | 7,395 |
| Net interest margin | 4.4393% | 1,314 |
| Noninterest income to average assets | 1.4582% | 702 |
| Noninterest expense to average assets | 4.3979% | 858 |
| Loan and lease loss provision to assets | 0.2187% | 4,851 |
| Net operating income to assets | 0.6829% | 3,328 |
| Return on assets (ROA) | 0.7087% | 3,322 |
| Pretax return on assets | 1.0470% | 2,819 |
| Return on Equity (ROE) | 7.1098% | 3,161 |
| Retained earnings to average equity (ytd only) | 3.1599% | 3,559 |
| Net charge-offs to loans | 0.1138% | 5,021 |
| Credit loss provision to net charge-offs | 241.9355% | 1,916 |
| Earnings coverage of net charge-offs (x) | 13.5806% | 1,729 |
| Efficiency ratio | 78.1752% | 3,320 |
| Assets per employee ($millions) | 1.9588% | 7,877 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,416 |
| Loan loss allowance to noncurrent loans | 85.5932% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 4,463 |
| Noncurrent loans to loans | 1.3148% | 4,584 |
| Net loans and leases to total assets | 75.5045% | 2,312 |
| Net loans and leases to deposits | 94.6070% | 2,003 |
| Net loans and leases to core deposits | 101.3940% | 4,362 |
| Total domestic deposits to total assets | 79.8086% | 5,536 |
| Equity capital to assets | 9.7639% | 4,268 |
| Core capital (leverage) ratio | 9.9142% | 3,387 |
| Tier 1 risk-based capital ratio | 15.2556% | 2,908 |
| Total risk-based capital ratio | 16.5077% | 2,834 |
| Memoranda: | ||
| Average total assets | $68,578,000 | 6,128 |
| Average earning assets | $64,380,000 | 6,066 |
| Average equity | $6,835,670 | 6,431 |
| Average total loans | $54,498,000 | 5,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 3,896 |
| Cost of funding earning assets | 1.1790% | 7,340 |
| Net interest margin | 4.5018% | 1,123 |
| Noninterest income to average assets | 1.2365% | 938 |
| Noninterest expense to average assets | 4.3308% | 830 |
| Loan and lease loss provision to assets | 0.1479% | 5,046 |
| Net operating income to assets | 0.6704% | 3,705 |
| Return on assets (ROA) | 0.6745% | 3,872 |
| Pretax return on assets | 0.9880% | 3,394 |
| Return on Equity (ROE) | 6.6951% | 3,720 |
| Retained earnings to average equity (ytd only) | 2.9952% | 4,209 |
| Net charge-offs to loans | -0.0365% | 7,614 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3066% | 2,943 |
| Assets per employee ($millions) | 1.8326% | 8,002 |
| Cash dividends to net income (ytd only)* | 55.2632% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 5,641 |
| Loan loss allowance to noncurrent loans | 75.6066% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 4,195 |
| Noncurrent loans to loans | 1.4235% | 4,169 |
| Net loans and leases to total assets | 82.4795% | 934 |
| Net loans and leases to deposits | 97.8652% | 1,686 |
| Net loans and leases to core deposits | 104.8257% | 4,048 |
| Total domestic deposits to total assets | 84.2787% | 3,567 |
| Equity capital to assets | 10.3935% | 3,568 |
| Core capital (leverage) ratio | 9.9704% | 3,436 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,507 |
| Total risk-based capital ratio | 15.3704% | 3,445 |
| Memoranda: | ||
| Average total assets | $67,609,500 | 6,191 |
| Average earning assets | $63,441,000 | 6,129 |
| Average equity | $6,811,000 | 6,475 |
| Average total loans | $54,823,000 | 5,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2512% | 4,229 |
| Cost of funding earning assets | 1.6168% | 7,415 |
| Net interest margin | 4.6345% | 1,082 |
| Noninterest income to average assets | 1.1642% | 1,143 |
| Noninterest expense to average assets | 4.5302% | 866 |
| Loan and lease loss provision to assets | 0.0771% | 6,434 |
| Net operating income to assets | 0.6224% | 4,216 |
| Return on assets (ROA) | 0.6569% | 3,928 |
| Pretax return on assets | 0.9097% | 3,693 |
| Return on Equity (ROE) | 6.4056% | 3,793 |
| Retained earnings to average equity (ytd only) | 3.3983% | 3,033 |
| Net charge-offs to loans | -0.0664% | 8,053 |
| Credit loss provision to net charge-offs | -142.8571% | 7,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8306% | 2,200 |
| Assets per employee ($millions) | 1.8222% | 8,031 |
| Cash dividends to net income (ytd only)* | 46.9484% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 5,790 |
| Loan loss allowance to noncurrent loans | 74.6348% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 3,986 |
| Noncurrent loans to loans | 1.3781% | 3,762 |
| Net loans and leases to total assets | 78.0952% | 2,109 |
| Net loans and leases to deposits | 96.8896% | 2,305 |
| Net loans and leases to core deposits | 103.4333% | 4,449 |
| Total domestic deposits to total assets | 80.6022% | 4,804 |
| Equity capital to assets | 9.7697% | 4,331 |
| Core capital (leverage) ratio | 10.0000% | 3,449 |
| Tier 1 risk-based capital ratio | 14.8980% | 3,092 |
| Total risk-based capital ratio | 16.1384% | 3,020 |
| Memoranda: | ||
| Average total assets | $64,853,600 | 6,198 |
| Average earning assets | $60,244,000 | 6,162 |
| Average equity | $6,650,400 | 6,584 |
| Average total loans | $52,693,400 | 5,598 |