Home > Farmers State Bank of Canton > Performance and Condition Ratios
Farmers State Bank of Canton, 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 | 4.0073% | 3,954 |
| Cost of funding earning assets | 0.8190% | 3,684 |
| Net interest margin | 3.1883% | 2,905 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8508% | 1,392 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3067% | 4,015 |
| Return on assets (ROA) | 0.3067% | 4,014 |
| Pretax return on assets | 0.3842% | 3,987 |
| Return on Equity (ROE) | 3.5300% | 3,951 |
| Retained earnings to average equity (ytd only) | 0.6825% | 3,904 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.0156% | 516 |
| Assets per employee ($millions) | 4.8232% | 3,758 |
| Cash dividends to net income (ytd only)* | 80.6452% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 4,231 |
| Loan loss allowance to noncurrent loans | 12.5680% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.2232% | 62 |
| Noncurrent loans to loans | 4.8229% | 56 |
| Net loans and leases to total assets | 66.4300% | 2,207 |
| Net loans and leases to deposits | 85.3641% | 1,662 |
| Net loans and leases to core deposits | 86.6986% | 2,259 |
| Total domestic deposits to total assets | 77.8200% | 3,753 |
| Equity capital to assets | 8.8483% | 2,786 |
| Core capital (leverage) ratio | 11.2054% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4267% | 1,195 |
| Memoranda: | ||
| Average total assets | $60,649,400 | 4,210 |
| Average earning assets | $54,700,200 | 4,199 |
| Average equity | $5,275,000 | 4,236 |
| Average total loans | $40,195,400 | 3,994 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 3,630 |
| Cost of funding earning assets | 0.7664% | 3,615 |
| Net interest margin | 3.3482% | 2,573 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.9089% | 1,210 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2971% | 4,116 |
| Return on assets (ROA) | 0.2971% | 4,123 |
| Pretax return on assets | 0.4301% | 4,017 |
| Return on Equity (ROE) | 3.4300% | 4,055 |
| Retained earnings to average equity (ytd only) | -0.4097% | 4,199 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.5435% | 490 |
| Assets per employee ($millions) | 4.6639% | 3,840 |
| Cash dividends to net income (ytd only)* | 111.9403% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5934% | 4,276 |
| Loan loss allowance to noncurrent loans | 86.5942% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 1,283 |
| Noncurrent loans to loans | 0.6853% | 1,204 |
| Net loans and leases to total assets | 66.0300% | 2,240 |
| Net loans and leases to deposits | 77.0239% | 2,333 |
| Net loans and leases to core deposits | 78.1530% | 2,734 |
| Total domestic deposits to total assets | 85.7300% | 2,275 |
| Equity capital to assets | 8.3934% | 2,798 |
| Core capital (leverage) ratio | 11.0824% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7177% | 1,154 |
| Memoranda: | ||
| Average total assets | $60,136,500 | 4,231 |
| Average earning assets | $54,276,250 | 4,223 |
| Average equity | $5,206,750 | 4,253 |
| Average total loans | $39,768,250 | 4,007 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0191% | 3,645 |
| Cost of funding earning assets | 0.6268% | 3,690 |
| Net interest margin | 3.3923% | 2,542 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.8780% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3835% | 4,031 |
| Return on assets (ROA) | 0.3835% | 4,045 |
| Pretax return on assets | 0.5303% | 3,912 |
| Return on Equity (ROE) | 4.3800% | 3,971 |
| Retained earnings to average equity (ytd only) | 0.5719% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.4423% | 573 |
| Assets per employee ($millions) | 4.6783% | 3,837 |
| Cash dividends to net income (ytd only)* | 86.9565% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 4,324 |
| 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 | 64.9500% | 2,283 |
| Net loans and leases to deposits | 74.2453% | 2,469 |
| Net loans and leases to core deposits | 74.9511% | 2,831 |
| Total domestic deposits to total assets | 87.4800% | 1,784 |
| Equity capital to assets | 8.7704% | 2,677 |
| Core capital (leverage) ratio | 11.3452% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0355% | 1,121 |
| Memoranda: | ||
| Average total assets | $59,971,667 | 4,248 |
| Average earning assets | $54,241,000 | 4,245 |
| Average equity | $5,246,000 | 4,274 |
| Average total loans | $39,599,000 | 4,022 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,593 |
| Cost of funding earning assets | 0.5646% | 3,488 |
| Net interest margin | 3.3727% | 2,705 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.0093% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2553% | 4,303 |
| Return on assets (ROA) | 0.2553% | 4,270 |
| Pretax return on assets | 0.3627% | 4,189 |
| Return on Equity (ROE) | 2.9200% | 4,196 |
| Retained earnings to average equity (ytd only) | -4.7674% | 4,319 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.2430% | 378 |
| Assets per employee ($millions) | 4.5235% | 4,012 |
| Cash dividends to net income (ytd only)* | 263.1579% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 4,356 |
| Loan loss allowance to noncurrent loans | 289.8734% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,575 |
| Noncurrent loans to loans | 0.2073% | 2,439 |
| Net loans and leases to total assets | 64.4300% | 2,211 |
| Net loans and leases to deposits | 72.5160% | 2,429 |
| Net loans and leases to core deposits | 73.2182% | 2,738 |
| Total domestic deposits to total assets | 88.8400% | 1,600 |
| Equity capital to assets | 9.0263% | 2,500 |
| Core capital (leverage) ratio | 11.2117% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3551% | 1,099 |
| Memoranda: | ||
| Average total assets | $59,548,500 | 4,314 |
| Average earning assets | $53,843,500 | 4,307 |
| Average equity | $5,202,000 | 4,335 |
| Average total loans | $39,534,000 | 4,074 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 2,378 |
| Cost of funding earning assets | 0.2890% | 2,969 |
| Net interest margin | 3.4702% | 2,033 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.5966% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7950% | 3,345 |
| Return on assets (ROA) | 0.7950% | 3,276 |
| Pretax return on assets | 0.8319% | 3,543 |
| Return on Equity (ROE) | 9.3200% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.6907% | 2,372 |
| Net charge-offs to loans | -0.0248% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.7363% | 1,041 |
| Assets per employee ($millions) | 4.6378% | 3,947 |
| Cash dividends to net income (ytd only)* | 28.2258% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,231 |
| Loan loss allowance to noncurrent loans | 353.1646% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,597 |
| Noncurrent loans to loans | 0.1929% | 2,515 |
| Net loans and leases to total assets | 67.4600% | 1,888 |
| Net loans and leases to deposits | 75.9864% | 2,098 |
| Net loans and leases to core deposits | 79.0631% | 2,194 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 8.4523% | 2,733 |
| Core capital (leverage) ratio | 11.0633% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4722% | 1,243 |
| Memoranda: | ||
| Average total assets | $62,388,400 | 4,315 |
| Average earning assets | $56,049,200 | 4,310 |
| Average equity | $5,320,800 | 4,401 |
| Average total loans | $40,265,600 | 4,061 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 2,257 |
| Cost of funding earning assets | 0.2362% | 2,855 |
| Net interest margin | 3.3944% | 1,991 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.6088% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5955% | 3,847 |
| Return on assets (ROA) | 0.5955% | 3,806 |
| Pretax return on assets | 0.7142% | 3,772 |
| Return on Equity (ROE) | 6.9700% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.4963% | 3,621 |
| Net charge-offs to loans | -0.0333% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.5077% | 872 |
| Assets per employee ($millions) | 5.7142% | 3,023 |
| Cash dividends to net income (ytd only)* | 49.8221% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 4,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.8900% | 1,991 |
| Net loans and leases to deposits | 71.4173% | 2,254 |
| Net loans and leases to core deposits | 74.8527% | 2,288 |
| Total domestic deposits to total assets | 90.8600% | 1,298 |
| Equity capital to assets | 7.7415% | 3,056 |
| Core capital (leverage) ratio | 10.3708% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8221% | 1,477 |
| Memoranda: | ||
| Average total assets | $62,912,750 | 4,339 |
| Average earning assets | $56,445,250 | 4,338 |
| Average equity | $5,377,000 | 4,430 |
| Average total loans | $40,093,750 | 4,082 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 2,057 |
| Cost of funding earning assets | 0.2553% | 2,189 |
| Net interest margin | 3.2694% | 1,996 |
| Noninterest income to average assets | 0.2924% | 3,415 |
| Noninterest expense to average assets | 2.5933% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5085% | 3,870 |
| Return on assets (ROA) | 0.5085% | 3,826 |
| Pretax return on assets | 0.6293% | 3,753 |
| Return on Equity (ROE) | 5.7685% | 3,639 |
| Retained earnings to average equity (ytd only) | 3.2448% | 3,373 |
| Net charge-offs to loans | -0.0050% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4734% | 907 |
| Assets per employee ($millions) | 4.6531% | 3,966 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 4,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.8854% | 1,598 |
| Net loans and leases to deposits | 75.0380% | 1,757 |
| Net loans and leases to core deposits | 78.8721% | 1,784 |
| Total domestic deposits to total assets | 89.1354% | 2,116 |
| Equity capital to assets | 8.3204% | 2,889 |
| Core capital (leverage) ratio | 10.5479% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6520% | 1,523 |
| Memoranda: | ||
| Average total assets | $62,931,667 | 4,387 |
| Average earning assets | $56,401,000 | 4,396 |
| Average equity | $5,547,333 | 4,461 |
| Average total loans | $39,770,333 | 4,142 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 1,866 |
| Cost of funding earning assets | 0.2672% | 1,952 |
| Net interest margin | 3.2137% | 1,840 |
| Noninterest income to average assets | 0.2120% | 3,892 |
| Noninterest expense to average assets | 2.6125% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3492% | 4,059 |
| Return on assets (ROA) | 0.3492% | 4,023 |
| Pretax return on assets | 0.4489% | 3,951 |
| Return on Equity (ROE) | 3.8591% | 3,917 |
| Retained earnings to average equity (ytd only) | -0.9648% | 4,140 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3360% | 774 |
| Assets per employee ($millions) | 5.5665% | 3,254 |
| Cash dividends to net income (ytd only)* | 125.0000% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 4,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.0634% | 1,735 |
| Net loans and leases to deposits | 73.5790% | 1,646 |
| Net loans and leases to core deposits | 74.2882% | 1,918 |
| Total domestic deposits to total assets | 85.7085% | 3,342 |
| Equity capital to assets | 8.7520% | 2,932 |
| Core capital (leverage) ratio | 9.7441% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2094% | 1,717 |
| Memoranda: | ||
| Average total assets | $64,152,500 | 4,388 |
| Average earning assets | $56,882,000 | 4,414 |
| Average equity | $5,804,500 | 4,488 |
| Average total loans | $39,291,000 | 4,169 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 2,085 |
| Cost of funding earning assets | 0.2521% | 2,904 |
| Net interest margin | 3.4581% | 1,858 |
| Noninterest income to average assets | 0.3574% | 3,297 |
| Noninterest expense to average assets | 2.5720% | 1,950 |
| Loan and lease loss provision to assets | 0.1262% | 976 |
| Net operating income to assets | 0.7081% | 3,605 |
| Return on assets (ROA) | 0.6934% | 3,701 |
| Pretax return on assets | 0.7688% | 3,791 |
| Return on Equity (ROE) | 6.8475% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.3906% | 2,621 |
| Net charge-offs to loans | 0.0833% | 972 |
| Credit loss provision to net charge-offs | 265.5172% | 1,132 |
| Earnings coverage of net charge-offs (x) | 19.1724% | 1,885 |
| Efficiency ratio | 73.8353% | 1,323 |
| Assets per employee ($millions) | 6.0975% | 2,667 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 4,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.7852% | 2,302 |
| Net loans and leases to deposits | 81.9781% | 1,067 |
| Net loans and leases to core deposits | 82.8393% | 1,396 |
| Total domestic deposits to total assets | 71.7084% | 4,647 |
| Equity capital to assets | 9.3182% | 3,298 |
| Core capital (leverage) ratio | 10.0297% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5273% | 1,679 |
| Memoranda: | ||
| Average total assets | $61,004,200 | 4,442 |
| Average earning assets | $55,146,600 | 4,448 |
| Average equity | $6,177,400 | 4,514 |
| Average total loans | $34,819,000 | 4,291 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 1,780 |
| Cost of funding earning assets | 0.2496% | 3,130 |
| Net interest margin | 3.6457% | 1,479 |
| Noninterest income to average assets | 0.3003% | 3,634 |
| Noninterest expense to average assets | 2.5596% | 1,957 |
| Loan and lease loss provision to assets | 0.1412% | 801 |
| Net operating income to assets | 0.8495% | 3,389 |
| Return on assets (ROA) | 0.8495% | 3,449 |
| Pretax return on assets | 0.9391% | 3,609 |
| Return on Equity (ROE) | 8.2043% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.2560% | 2,721 |
| Net charge-offs to loans | 0.0159% | 1,760 |
| Credit loss provision to net charge-offs | 1,575.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 772 |
| Efficiency ratio | 70.3202% | 1,567 |
| Assets per employee ($millions) | 4.8093% | 3,882 |
| Cash dividends to net income (ytd only)* | 23.7467% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 4,321 |
| Loan loss allowance to noncurrent loans | 1,037.0370% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,864 |
| Noncurrent loans to loans | 0.0787% | 3,700 |
| Net loans and leases to total assets | 54.4169% | 2,924 |
| Net loans and leases to deposits | 72.1646% | 2,038 |
| Net loans and leases to core deposits | 72.1646% | 2,412 |
| Total domestic deposits to total assets | 75.4067% | 4,580 |
| Equity capital to assets | 10.0526% | 2,854 |
| Core capital (leverage) ratio | 10.0157% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0279% | 1,345 |
| Memoranda: | ||
| Average total assets | $59,487,000 | 4,515 |
| Average earning assets | $54,492,000 | 4,509 |
| Average equity | $6,159,250 | 4,581 |
| Average total loans | $33,599,250 | 4,366 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 2,008 |
| Cost of funding earning assets | 0.2278% | 3,485 |
| Net interest margin | 3.5961% | 1,604 |
| Noninterest income to average assets | 0.3112% | 3,567 |
| Noninterest expense to average assets | 2.5241% | 2,066 |
| Loan and lease loss provision to assets | 0.1710% | 676 |
| Net operating income to assets | 0.8174% | 3,453 |
| Return on assets (ROA) | 0.8174% | 3,526 |
| Pretax return on assets | 0.9098% | 3,641 |
| Return on Equity (ROE) | 7.8139% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.3426% | 2,673 |
| Net charge-offs to loans | 0.0420% | 1,218 |
| Credit loss provision to net charge-offs | 714.2857% | 572 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,109 |
| Efficiency ratio | 70.0190% | 1,633 |
| Assets per employee ($millions) | 5.0983% | 3,561 |
| Cash dividends to net income (ytd only)* | 18.8285% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,359 |
| Loan loss allowance to noncurrent loans | 1,147.8261% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,006 |
| Noncurrent loans to loans | 0.0702% | 3,837 |
| Net loans and leases to total assets | 53.1415% | 3,236 |
| Net loans and leases to deposits | 69.5429% | 2,457 |
| Net loans and leases to core deposits | 70.2947% | 2,754 |
| Total domestic deposits to total assets | 76.4155% | 4,538 |
| Equity capital to assets | 10.1716% | 2,701 |
| Core capital (leverage) ratio | 9.9745% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2789% | 1,068 |
| Memoranda: | ||
| Average total assets | $58,475,667 | 4,556 |
| Average earning assets | $53,557,333 | 4,555 |
| Average equity | $6,117,333 | 4,611 |
| Average total loans | $33,365,000 | 4,404 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 368 |
| Cost of funding earning assets | 0.2529% | 3,450 |
| Net interest margin | 4.7291% | 262 |
| Noninterest income to average assets | 0.4061% | 3,056 |
| Noninterest expense to average assets | 2.5909% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0447% | 538 |
| Return on assets (ROA) | 2.0447% | 579 |
| Pretax return on assets | 2.1357% | 760 |
| Return on Equity (ROE) | 18.9211% | 631 |
| Retained earnings to average equity (ytd only) | 16.0052% | 521 |
| Net charge-offs to loans | -0.0475% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8148% | 3,698 |
| Assets per employee ($millions) | 5.0691% | 3,568 |
| Cash dividends to net income (ytd only)* | 15.4110% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6628% | 4,621 |
| Loan loss allowance to noncurrent loans | 368.8525% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 3,686 |
| Noncurrent loans to loans | 0.1797% | 3,463 |
| Net loans and leases to total assets | 55.4390% | 3,101 |
| Net loans and leases to deposits | 70.1218% | 2,491 |
| Net loans and leases to core deposits | 70.8585% | 2,796 |
| Total domestic deposits to total assets | 79.0610% | 4,326 |
| Equity capital to assets | 10.2024% | 2,520 |
| Core capital (leverage) ratio | 10.1052% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6687% | 1,131 |
| Memoranda: | ||
| Average total assets | $57,123,500 | 4,594 |
| Average earning assets | $52,188,000 | 4,587 |
| Average equity | $6,173,000 | 4,628 |
| Average total loans | $33,659,500 | 4,419 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 2,967 |
| Cost of funding earning assets | 0.3949% | 3,609 |
| Net interest margin | 3.5273% | 2,384 |
| Noninterest income to average assets | 0.4311% | 2,954 |
| Noninterest expense to average assets | 3.0538% | 1,321 |
| Loan and lease loss provision to assets | 0.0546% | 3,688 |
| Net operating income to assets | 0.5282% | 3,967 |
| Return on assets (ROA) | 0.5282% | 4,058 |
| Pretax return on assets | 0.5221% | 4,231 |
| Return on Equity (ROE) | 4.3874% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.8577% | 3,442 |
| Net charge-offs to loans | 0.3177% | 559 |
| Credit loss provision to net charge-offs | 25.4717% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 3,141 |
| Efficiency ratio | 84.1137% | 622 |
| Assets per employee ($millions) | 4.4515% | 3,967 |
| Cash dividends to net income (ytd only)* | 34.8659% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 4,650 |
| Loan loss allowance to noncurrent loans | 409.2593% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,805 |
| Noncurrent loans to loans | 0.1618% | 3,628 |
| Net loans and leases to total assets | 62.0577% | 2,600 |
| Net loans and leases to deposits | 78.3947% | 2,034 |
| Net loans and leases to core deposits | 78.3947% | 2,524 |
| Total domestic deposits to total assets | 79.1606% | 4,184 |
| Equity capital to assets | 11.4943% | 1,889 |
| Core capital (leverage) ratio | 11.5131% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1885% | 1,024 |
| Memoranda: | ||
| Average total assets | $49,414,000 | 4,662 |
| Average earning assets | $44,822,000 | 4,663 |
| Average equity | $5,948,800 | 4,650 |
| Average total loans | $33,369,600 | 4,450 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 2,864 |
| Cost of funding earning assets | 0.4273% | 3,656 |
| Net interest margin | 3.6123% | 2,232 |
| Noninterest income to average assets | 0.4186% | 2,990 |
| Noninterest expense to average assets | 3.1864% | 1,093 |
| Loan and lease loss provision to assets | 0.0744% | 3,389 |
| Net operating income to assets | 0.4048% | 4,257 |
| Return on assets (ROA) | 0.4048% | 4,319 |
| Pretax return on assets | 0.4406% | 4,384 |
| Return on Equity (ROE) | 3.3214% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.2653% | 4,163 |
| Net charge-offs to loans | 0.4235% | 376 |
| Credit loss provision to net charge-offs | 25.4717% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.7642% | 3,048 |
| Efficiency ratio | 86.0863% | 496 |
| Assets per employee ($millions) | 3.8303% | 4,453 |
| Cash dividends to net income (ytd only)* | 61.9048% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 4,668 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 2,904 |
| Noncurrent loans to loans | 0.4569% | 2,679 |
| Net loans and leases to total assets | 68.1207% | 2,230 |
| Net loans and leases to deposits | 80.3849% | 2,280 |
| Net loans and leases to core deposits | 82.3361% | 2,640 |
| Total domestic deposits to total assets | 84.7431% | 2,533 |
| Equity capital to assets | 12.0999% | 1,624 |
| Core capital (leverage) ratio | 11.7576% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2673% | 1,010 |
| Memoranda: | ||
| Average total assets | $48,413,000 | 4,696 |
| Average earning assets | $43,996,750 | 4,695 |
| Average equity | $5,901,000 | 4,679 |
| Average total loans | $33,369,250 | 4,476 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,034 |
| Cost of funding earning assets | 0.4523% | 3,785 |
| Net interest margin | 3.6550% | 2,303 |
| Noninterest income to average assets | 0.4338% | 2,884 |
| Noninterest expense to average assets | 3.2782% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4922% | 4,040 |
| Return on assets (ROA) | 0.4922% | 4,112 |
| Pretax return on assets | 0.4922% | 4,264 |
| Return on Equity (ROE) | 4.0275% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.4233% | 3,604 |
| Net charge-offs to loans | 0.5436% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.3111% | 2,866 |
| Efficiency ratio | 86.9469% | 500 |
| Assets per employee ($millions) | 3.7971% | 4,469 |
| Cash dividends to net income (ytd only)* | 39.8305% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 4,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,174 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.2375% | 2,151 |
| Net loans and leases to deposits | 80.9402% | 2,322 |
| Net loans and leases to core deposits | 82.9036% | 2,706 |
| Total domestic deposits to total assets | 85.5415% | 2,181 |
| Equity capital to assets | 12.2240% | 1,527 |
| Core capital (leverage) ratio | 11.9029% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1742% | 1,018 |
| Memoranda: | ||
| Average total assets | $47,952,667 | 4,720 |
| Average earning assets | $43,776,000 | 4,722 |
| Average equity | $5,859,667 | 4,702 |
| Average total loans | $33,112,000 | 4,505 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,384 |
| Cost of funding earning assets | 0.4930% | 3,972 |
| Net interest margin | 3.6553% | 2,490 |
| Noninterest income to average assets | 0.4741% | 2,683 |
| Noninterest expense to average assets | 3.6234% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1778% | 4,559 |
| Return on assets (ROA) | 0.1778% | 4,569 |
| Pretax return on assets | 0.1778% | 4,591 |
| Return on Equity (ROE) | 1.4552% | 4,558 |
| Retained earnings to average equity (ytd only) | -1.8016% | 4,228 |
| Net charge-offs to loans | 0.5173% | 280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 2,462 |
| Efficiency ratio | 95.3229% | 342 |
| Assets per employee ($millions) | 3.6398% | 4,339 |
| Cash dividends to net income (ytd only)* | 223.8095% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,428 |
| Loan loss allowance to noncurrent loans | 38.7387% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 726 |
| Noncurrent loans to loans | 2.0538% | 676 |
| Net loans and leases to total assets | 67.9861% | 2,541 |
| Net loans and leases to deposits | 79.3904% | 2,742 |
| Net loans and leases to core deposits | 81.3993% | 3,076 |
| Total domestic deposits to total assets | 85.6352% | 2,153 |
| Equity capital to assets | 12.0358% | 2,039 |
| Core capital (leverage) ratio | 12.2390% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6375% | 1,044 |
| Memoranda: | ||
| Average total assets | $47,248,000 | 4,753 |
| Average earning assets | $43,005,500 | 4,758 |
| Average equity | $5,772,500 | 4,754 |
| Average total loans | $32,474,500 | 4,546 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 3,165 |
| Cost of funding earning assets | 0.5441% | 3,904 |
| Net interest margin | 3.8837% | 2,230 |
| Noninterest income to average assets | 0.4566% | 2,967 |
| Noninterest expense to average assets | 3.4692% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4355% | 4,531 |
| Return on assets (ROA) | 0.4355% | 4,561 |
| Pretax return on assets | 0.5032% | 4,573 |
| Return on Equity (ROE) | 3.5755% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.1870% | 3,904 |
| Net charge-offs to loans | 0.2156% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.3521% | 3,329 |
| Efficiency ratio | 87.3337% | 474 |
| Assets per employee ($millions) | 3.3699% | 4,595 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,867 |
| Loan loss allowance to noncurrent loans | 337.0787% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,706 |
| Noncurrent loans to loans | 0.2737% | 3,469 |
| Net loans and leases to total assets | 68.2973% | 2,641 |
| Net loans and leases to deposits | 80.0686% | 2,772 |
| Net loans and leases to core deposits | 82.1089% | 3,112 |
| Total domestic deposits to total assets | 85.2985% | 2,382 |
| Equity capital to assets | 12.3996% | 1,888 |
| Core capital (leverage) ratio | 12.2936% | 1,596 |
| Tier 1 risk-based capital ratio | 18.1041% | 1,736 |
| Total risk-based capital ratio | 19.0396% | 1,766 |
| Memoranda: | ||
| Average total assets | $47,301,400 | 4,796 |
| Average earning assets | $42,819,600 | 4,802 |
| Average equity | $5,761,400 | 4,789 |
| Average total loans | $32,935,600 | 4,583 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 3,242 |
| Cost of funding earning assets | 0.5509% | 3,924 |
| Net interest margin | 3.8871% | 2,304 |
| Noninterest income to average assets | 0.4845% | 2,828 |
| Noninterest expense to average assets | 3.2620% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6507% | 4,159 |
| Return on assets (ROA) | 0.6507% | 4,208 |
| Pretax return on assets | 0.7409% | 4,260 |
| Return on Equity (ROE) | 5.3664% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.5079% | 3,652 |
| Net charge-offs to loans | -0.0121% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4919% | 794 |
| Assets per employee ($millions) | 3.9832% | 3,933 |
| Cash dividends to net income (ytd only)* | 34.6310% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,803 |
| Loan loss allowance to noncurrent loans | 226.6667% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 3,131 |
| Noncurrent loans to loans | 0.5046% | 2,782 |
| Net loans and leases to total assets | 67.6284% | 2,847 |
| Net loans and leases to deposits | 78.9281% | 3,015 |
| Net loans and leases to core deposits | 80.9035% | 3,318 |
| Total domestic deposits to total assets | 85.6835% | 2,124 |
| Equity capital to assets | 12.3080% | 2,038 |
| Core capital (leverage) ratio | 12.2825% | 1,690 |
| Tier 1 risk-based capital ratio | 17.3750% | 1,973 |
| Total risk-based capital ratio | 18.4896% | 1,971 |
| Memoranda: | ||
| Average total assets | $47,332,000 | 4,861 |
| Average earning assets | $42,841,000 | 4,870 |
| Average equity | $5,739,250 | 4,854 |
| Average total loans | $33,039,000 | 4,640 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 3,150 |
| Cost of funding earning assets | 0.5569% | 3,853 |
| Net interest margin | 3.9028% | 2,237 |
| Noninterest income to average assets | 0.5002% | 2,677 |
| Noninterest expense to average assets | 3.2940% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5935% | 4,322 |
| Return on assets (ROA) | 0.5935% | 4,359 |
| Pretax return on assets | 0.7419% | 4,231 |
| Return on Equity (ROE) | 4.9198% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.5141% | 3,487 |
| Net charge-offs to loans | 0.0603% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,888 |
| Efficiency ratio | 81.6176% | 832 |
| Assets per employee ($millions) | 3.6000% | 4,379 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,131 |
| Loan loss allowance to noncurrent loans | 239.0728% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,244 |
| Noncurrent loans to loans | 0.4552% | 2,913 |
| Net loans and leases to total assets | 70.1090% | 2,516 |
| Net loans and leases to deposits | 82.8958% | 2,628 |
| Net loans and leases to core deposits | 85.0445% | 3,026 |
| Total domestic deposits to total assets | 84.5748% | 2,656 |
| Equity capital to assets | 12.4103% | 1,908 |
| Core capital (leverage) ratio | 12.2939% | 1,643 |
| Tier 1 risk-based capital ratio | 16.8258% | 2,138 |
| Total risk-based capital ratio | 17.8769% | 2,145 |
| Memoranda: | ||
| Average total assets | $47,176,670 | 4,907 |
| Average earning assets | $42,738,330 | 4,914 |
| Average equity | $5,691,330 | 4,889 |
| Average total loans | $33,152,330 | 4,670 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 3,239 |
| Cost of funding earning assets | 0.5426% | 3,861 |
| Net interest margin | 3.8541% | 2,327 |
| Noninterest income to average assets | 0.4729% | 2,717 |
| Noninterest expense to average assets | 3.1753% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6249% | 4,165 |
| Return on assets (ROA) | 0.6249% | 4,209 |
| Pretax return on assets | 0.7769% | 4,105 |
| Return on Equity (ROE) | 5.2547% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.4143% | 3,951 |
| Net charge-offs to loans | -0.0121% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3419% | 1,025 |
| Assets per employee ($millions) | 3.6099% | 4,456 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,929 |
| Loan loss allowance to noncurrent loans | 620.0000% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,159 |
| Noncurrent loans to loans | 0.1833% | 3,930 |
| Net loans and leases to total assets | 68.9701% | 2,623 |
| Net loans and leases to deposits | 80.5670% | 2,771 |
| Net loans and leases to core deposits | 82.6237% | 3,140 |
| Total domestic deposits to total assets | 85.6059% | 2,441 |
| Equity capital to assets | 12.1183% | 1,953 |
| Core capital (leverage) ratio | 12.1953% | 1,669 |
| Tier 1 risk-based capital ratio | 16.5863% | 2,235 |
| Total risk-based capital ratio | 17.6664% | 2,241 |
| Memoranda: | ||
| Average total assets | $47,365,000 | 4,949 |
| Average earning assets | $42,760,000 | 4,963 |
| Average equity | $5,633,000 | 4,941 |
| Average total loans | $33,142,500 | 4,725 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 3,360 |
| Cost of funding earning assets | 0.4199% | 3,862 |
| Net interest margin | 3.8090% | 2,635 |
| Noninterest income to average assets | 0.5462% | 2,575 |
| Noninterest expense to average assets | 3.0984% | 1,797 |
| Loan and lease loss provision to assets | 0.1323% | 1,650 |
| Net operating income to assets | 0.6050% | 4,405 |
| Return on assets (ROA) | 0.6050% | 4,411 |
| Pretax return on assets | 0.7646% | 4,254 |
| Return on Equity (ROE) | 5.2461% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.2424% | 3,779 |
| Net charge-offs to loans | 0.1557% | 1,234 |
| Credit loss provision to net charge-offs | 123.5294% | 2,115 |
| Earnings coverage of net charge-offs (x) | 8.3725% | 2,902 |
| Efficiency ratio | 77.5499% | 1,179 |
| Assets per employee ($millions) | 3.6770% | 4,356 |
| Cash dividends to net income (ytd only)* | 38.1944% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,426.9231% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,573 |
| Noncurrent loans to loans | 0.0775% | 4,406 |
| Net loans and leases to total assets | 69.4023% | 2,675 |
| Net loans and leases to deposits | 84.8032% | 2,429 |
| Net loans and leases to core deposits | 87.0278% | 2,837 |
| Total domestic deposits to total assets | 81.8393% | 3,685 |
| Equity capital to assets | 11.6713% | 2,121 |
| Core capital (leverage) ratio | 11.8170% | 1,859 |
| Tier 1 risk-based capital ratio | 16.2540% | 2,321 |
| Total risk-based capital ratio | 17.3159% | 2,325 |
| Memoranda: | ||
| Average total assets | $47,605,200 | 4,984 |
| Average earning assets | $43,108,600 | 4,987 |
| Average equity | $5,489,800 | 4,972 |
| Average total loans | $32,754,200 | 4,748 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,598 |
| Cost of funding earning assets | 0.4049% | 3,826 |
| Net interest margin | 3.7059% | 3,001 |
| Noninterest income to average assets | 0.5495% | 2,571 |
| Noninterest expense to average assets | 3.0924% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6897% | 4,259 |
| Return on assets (ROA) | 0.6897% | 4,269 |
| Pretax return on assets | 0.8187% | 4,246 |
| Return on Equity (ROE) | 5.9989% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.3165% | 4,092 |
| Net charge-offs to loans | -0.0451% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0681% | 1,026 |
| Assets per employee ($millions) | 3.7307% | 4,261 |
| Cash dividends to net income (ytd only)* | 44.7148% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,096 |
| Loan loss allowance to noncurrent loans | 291.3386% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 3,641 |
| Noncurrent loans to loans | 0.3832% | 3,282 |
| Net loans and leases to total assets | 67.5684% | 3,003 |
| Net loans and leases to deposits | 78.1988% | 3,219 |
| Net loans and leases to core deposits | 80.1105% | 3,484 |
| Total domestic deposits to total assets | 86.4059% | 2,011 |
| Equity capital to assets | 11.3590% | 2,351 |
| Core capital (leverage) ratio | 11.7444% | 1,973 |
| Tier 1 risk-based capital ratio | 16.0718% | 2,419 |
| Total risk-based capital ratio | 17.1266% | 2,427 |
| Memoranda: | ||
| Average total assets | $47,556,250 | 5,037 |
| Average earning assets | $43,137,250 | 5,045 |
| Average equity | $5,467,500 | 5,035 |
| Average total loans | $32,556,250 | 4,806 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,602 |
| Cost of funding earning assets | 0.3825% | 3,851 |
| Net interest margin | 3.6712% | 3,039 |
| Noninterest income to average assets | 0.5800% | 2,434 |
| Noninterest expense to average assets | 3.1286% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5885% | 4,529 |
| Return on assets (ROA) | 0.5885% | 4,529 |
| Pretax return on assets | 0.7832% | 4,297 |
| Return on Equity (ROE) | 5.0975% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.4472% | 3,855 |
| Net charge-offs to loans | -0.0680% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9784% | 1,021 |
| Assets per employee ($millions) | 3.3809% | 4,736 |
| Cash dividends to net income (ytd only)* | 32.3741% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 3,048 |
| Loan loss allowance to noncurrent loans | 804.3478% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,521 |
| Noncurrent loans to loans | 0.1415% | 4,263 |
| Net loans and leases to total assets | 67.8822% | 2,890 |
| Net loans and leases to deposits | 78.8331% | 3,072 |
| Net loans and leases to core deposits | 80.8160% | 3,341 |
| Total domestic deposits to total assets | 86.1088% | 2,229 |
| Equity capital to assets | 11.5693% | 2,147 |
| Core capital (leverage) ratio | 11.5597% | 2,027 |
| Tier 1 risk-based capital ratio | 16.0591% | 2,414 |
| Total risk-based capital ratio | 17.1211% | 2,432 |
| Memoranda: | ||
| Average total assets | $47,242,000 | 5,104 |
| Average earning assets | $42,874,000 | 5,108 |
| Average equity | $5,453,670 | 5,089 |
| Average total loans | $32,361,670 | 4,860 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 3,708 |
| Cost of funding earning assets | 0.2582% | 4,501 |
| Net interest margin | 3.6472% | 2,994 |
| Noninterest income to average assets | 0.4929% | 3,043 |
| Noninterest expense to average assets | 3.1649% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5881% | 4,063 |
| Return on assets (ROA) | 0.5881% | 4,097 |
| Pretax return on assets | 0.6156% | 4,706 |
| Return on Equity (ROE) | 5.1510% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.8540% | 2,902 |
| Net charge-offs to loans | -0.0156% | 4,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7157% | 793 |
| Assets per employee ($millions) | 3.6132% | 4,550 |
| Cash dividends to net income (ytd only)* | 25.1799% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,338 |
| Loan loss allowance to noncurrent loans | 5,983.3333% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,098 |
| Noncurrent loans to loans | 0.0184% | 4,938 |
| Net loans and leases to total assets | 68.5302% | 2,746 |
| Net loans and leases to deposits | 82.3885% | 2,682 |
| Net loans and leases to core deposits | 84.5525% | 3,024 |
| Total domestic deposits to total assets | 83.1793% | 3,505 |
| Equity capital to assets | 11.6410% | 2,085 |
| Core capital (leverage) ratio | 12.1368% | 1,537 |
| Tier 1 risk-based capital ratio | 15.7380% | 2,540 |
| Total risk-based capital ratio | 16.7712% | 2,555 |
| Memoranda: | ||
| Average total assets | $47,269,000 | 5,207 |
| Average earning assets | $42,608,000 | 5,219 |
| Average equity | $5,397,000 | 5,204 |
| Average total loans | $31,955,000 | 4,969 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 3,827 |
| Cost of funding earning assets | 0.2530% | 4,542 |
| Net interest margin | 3.5983% | 3,159 |
| Noninterest income to average assets | 0.5069% | 2,995 |
| Noninterest expense to average assets | 3.1964% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4928% | 4,745 |
| Return on assets (ROA) | 0.4928% | 4,782 |
| Pretax return on assets | 0.5548% | 4,918 |
| Return on Equity (ROE) | 4.3376% | 4,758 |
| Retained earnings to average equity (ytd only) | 2.6026% | 4,332 |
| Net charge-offs to loans | -0.0084% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2102% | 673 |
| Assets per employee ($millions) | 3.5379% | 4,671 |
| Cash dividends to net income (ytd only)* | 39.9991% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 3,370 |
| Loan loss allowance to noncurrent loans | 494.4444% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 4,489 |
| Noncurrent loans to loans | 0.2269% | 4,156 |
| Net loans and leases to total assets | 68.2147% | 2,810 |
| Net loans and leases to deposits | 80.9526% | 2,882 |
| Net loans and leases to core deposits | 83.0967% | 3,205 |
| Total domestic deposits to total assets | 84.2650% | 3,020 |
| Equity capital to assets | 11.8931% | 2,039 |
| Core capital (leverage) ratio | 11.8105% | 1,813 |
| Tier 1 risk-based capital ratio | 16.2992% | 2,377 |
| Total risk-based capital ratio | 17.3598% | 2,399 |
| Memoranda: | ||
| Average total assets | $47,343,250 | 5,261 |
| Average earning assets | $42,685,750 | 5,274 |
| Average equity | $5,379,250 | 5,264 |
| Average total loans | $31,806,500 | 5,022 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,044 |
| Cost of funding earning assets | 0.2511% | 4,532 |
| Net interest margin | 3.5067% | 3,373 |
| Noninterest income to average assets | 0.5022% | 3,010 |
| Noninterest expense to average assets | 3.2473% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3390% | 5,129 |
| Return on assets (ROA) | 0.3390% | 5,151 |
| Pretax return on assets | 0.4101% | 5,163 |
| Return on Equity (ROE) | 3.0286% | 5,116 |
| Retained earnings to average equity (ytd only) | 1.5330% | 4,632 |
| Net charge-offs to loans | -0.0440% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7872% | 516 |
| Assets per employee ($millions) | 3.3676% | 4,900 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,405 |
| Loan loss allowance to noncurrent loans | 1,289.2857% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,965 |
| Noncurrent loans to loans | 0.0879% | 4,778 |
| Net loans and leases to total assets | 66.8166% | 2,986 |
| Net loans and leases to deposits | 77.5319% | 3,161 |
| Net loans and leases to core deposits | 79.4883% | 3,457 |
| Total domestic deposits to total assets | 86.1794% | 2,297 |
| Equity capital to assets | 11.4557% | 2,360 |
| Core capital (leverage) ratio | 11.4069% | 2,041 |
| Tier 1 risk-based capital ratio | 15.8129% | 2,580 |
| Total risk-based capital ratio | 16.8684% | 2,589 |
| Memoranda: | ||
| Average total assets | $47,793,330 | 5,296 |
| Average earning assets | $43,003,670 | 5,305 |
| Average equity | $5,349,000 | 5,302 |
| Average total loans | $31,832,000 | 5,049 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,229 |
| Cost of funding earning assets | 0.2490% | 4,545 |
| Net interest margin | 3.4127% | 3,612 |
| Noninterest income to average assets | 0.4572% | 3,273 |
| Noninterest expense to average assets | 3.1839% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3076% | 5,173 |
| Return on assets (ROA) | 0.3076% | 5,196 |
| Pretax return on assets | 0.3492% | 5,235 |
| Return on Equity (ROE) | 2.7804% | 5,155 |
| Retained earnings to average equity (ytd only) | -0.2254% | 4,958 |
| Net charge-offs to loans | -0.0377% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1176% | 552 |
| Assets per employee ($millions) | 3.4502% | 4,856 |
| Cash dividends to net income (ytd only)* | 108.1081% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,467 |
| Loan loss allowance to noncurrent loans | 228.8462% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,161 |
| Noncurrent loans to loans | 0.4985% | 3,310 |
| Net loans and leases to total assets | 64.0478% | 3,267 |
| Net loans and leases to deposits | 73.9129% | 3,415 |
| Net loans and leases to core deposits | 75.7220% | 3,680 |
| Total domestic deposits to total assets | 86.6530% | 2,372 |
| Equity capital to assets | 11.0366% | 2,591 |
| Core capital (leverage) ratio | 11.0891% | 2,279 |
| Tier 1 risk-based capital ratio | 15.6589% | 2,687 |
| Total risk-based capital ratio | 16.7012% | 2,707 |
| Memoranda: | ||
| Average total assets | $48,116,500 | 5,348 |
| Average earning assets | $43,368,000 | 5,362 |
| Average equity | $5,323,000 | 5,354 |
| Average total loans | $31,816,500 | 5,099 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,131 |
| Cost of funding earning assets | 0.2567% | 4,508 |
| Net interest margin | 3.4718% | 3,538 |
| Noninterest income to average assets | 0.5068% | 3,190 |
| Noninterest expense to average assets | 3.4763% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1577% | 5,481 |
| Return on assets (ROA) | 0.1598% | 5,518 |
| Pretax return on assets | 0.1619% | 5,529 |
| Return on Equity (ROE) | 1.4234% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.8616% | 4,978 |
| Net charge-offs to loans | 0.0726% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.3043% | 3,690 |
| Efficiency ratio | 95.6044% | 325 |
| Assets per employee ($millions) | 3.4236% | 4,867 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,739 |
| Loan loss allowance to noncurrent loans | 229.8701% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 3,161 |
| Noncurrent loans to loans | 0.4762% | 3,445 |
| Net loans and leases to total assets | 66.7327% | 2,967 |
| Net loans and leases to deposits | 78.8818% | 3,005 |
| Net loans and leases to core deposits | 80.8764% | 3,319 |
| Total domestic deposits to total assets | 84.5984% | 3,209 |
| Equity capital to assets | 11.0891% | 2,553 |
| Core capital (leverage) ratio | 11.2644% | 2,113 |
| Tier 1 risk-based capital ratio | 15.2344% | 2,869 |
| Total risk-based capital ratio | 16.2394% | 2,909 |
| Memoranda: | ||
| Average total assets | $47,550,400 | 5,395 |
| Average earning assets | $42,859,400 | 5,401 |
| Average equity | $5,339,200 | 5,403 |
| Average total loans | $31,665,800 | 5,145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,152 |
| Cost of funding earning assets | 0.2617% | 4,486 |
| Net interest margin | 3.4672% | 3,605 |
| Noninterest income to average assets | 0.4973% | 3,268 |
| Noninterest expense to average assets | 3.5204% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1461% | 5,561 |
| Return on assets (ROA) | 0.1517% | 5,611 |
| Pretax return on assets | 0.1096% | 5,671 |
| Return on Equity (ROE) | 1.3470% | 5,591 |
| Retained earnings to average equity (ytd only) | 0.5987% | 5,200 |
| Net charge-offs to loans | 0.1101% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.4228% | 3,697 |
| Efficiency ratio | 97.1318% | 283 |
| Assets per employee ($millions) | 3.1693% | 5,217 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,774 |
| Loan loss allowance to noncurrent loans | 89.3130% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 1,991 |
| Noncurrent loans to loans | 1.2424% | 1,805 |
| Net loans and leases to total assets | 65.7993% | 3,157 |
| Net loans and leases to deposits | 76.1651% | 3,384 |
| Net loans and leases to core deposits | 78.0659% | 3,659 |
| Total domestic deposits to total assets | 86.3904% | 2,173 |
| Equity capital to assets | 11.3273% | 2,676 |
| Core capital (leverage) ratio | 11.3174% | 2,176 |
| Tier 1 risk-based capital ratio | 15.5391% | 2,816 |
| Total risk-based capital ratio | 16.5596% | 2,843 |
| Memoranda: | ||
| Average total assets | $47,455,500 | 5,451 |
| Average earning assets | $42,799,750 | 5,460 |
| Average equity | $5,345,250 | 5,465 |
| Average total loans | $31,497,500 | 5,202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,278 |
| Cost of funding earning assets | 0.2668% | 4,484 |
| Net interest margin | 3.4410% | 3,722 |
| Noninterest income to average assets | 0.4934% | 3,242 |
| Noninterest expense to average assets | 3.6393% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0380% | 5,735 |
| Return on assets (ROA) | 0.0380% | 5,766 |
| Pretax return on assets | -0.0464% | 5,808 |
| Return on Equity (ROE) | 0.3376% | 5,766 |
| Retained earnings to average equity (ytd only) | -0.7877% | 5,412 |
| Net charge-offs to loans | 0.2035% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.3438% | 3,572 |
| Efficiency ratio | 101.2911% | 225 |
| Assets per employee ($millions) | 3.1141% | 5,313 |
| Cash dividends to net income (ytd only)* | 333.3333% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,828 |
| Loan loss allowance to noncurrent loans | 215.6250% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 2,524 |
| Noncurrent loans to loans | 0.5203% | 3,522 |
| Net loans and leases to total assets | 65.0989% | 3,216 |
| Net loans and leases to deposits | 75.4922% | 3,438 |
| Net loans and leases to core deposits | 77.4140% | 3,700 |
| Total domestic deposits to total assets | 86.2327% | 2,309 |
| Equity capital to assets | 11.4510% | 2,599 |
| Core capital (leverage) ratio | 11.3432% | 2,106 |
| Tier 1 risk-based capital ratio | 15.9653% | 2,660 |
| Total risk-based capital ratio | 17.0045% | 2,692 |
| Memoranda: | ||
| Average total assets | $47,427,330 | 5,514 |
| Average earning assets | $42,720,670 | 5,525 |
| Average equity | $5,332,000 | 5,514 |
| Average total loans | $31,452,670 | 5,253 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,284 |
| Cost of funding earning assets | 0.2696% | 4,504 |
| Net interest margin | 3.4399% | 3,713 |
| Noninterest income to average assets | 0.5106% | 3,045 |
| Noninterest expense to average assets | 4.0766% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2846% | 5,908 |
| Return on assets (ROA) | -0.2846% | 5,915 |
| Pretax return on assets | -0.4688% | 5,954 |
| Return on Equity (ROE) | -2.5547% | 5,925 |
| Retained earnings to average equity (ytd only) | -4.8089% | 5,600 |
| Net charge-offs to loans | -0.0252% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9930% | 140 |
| Assets per employee ($millions) | 3.3532% | 5,048 |
| Cash dividends to net income (ytd only)* | -88.2353% | 6,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 3,377 |
| Loan loss allowance to noncurrent loans | 266.9014% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 2,761 |
| Noncurrent loans to loans | 0.4562% | 3,809 |
| Net loans and leases to total assets | 65.4915% | 3,029 |
| Net loans and leases to deposits | 75.9398% | 3,230 |
| Net loans and leases to core deposits | 77.8630% | 3,503 |
| Total domestic deposits to total assets | 86.2413% | 2,576 |
| Equity capital to assets | 11.2898% | 2,638 |
| Core capital (leverage) ratio | 11.1299% | 2,285 |
| Tier 1 risk-based capital ratio | 15.7735% | 2,793 |
| Total risk-based capital ratio | 16.9107% | 2,767 |
| Memoranda: | ||
| Average total assets | $47,785,000 | 5,556 |
| Average earning assets | $43,025,000 | 5,572 |
| Average equity | $5,323,500 | 5,550 |
| Average total loans | $31,802,000 | 5,275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 4,262 |
| Cost of funding earning assets | 0.3285% | 3,928 |
| Net interest margin | 3.4052% | 3,892 |
| Noninterest income to average assets | 0.5109% | 3,251 |
| Noninterest expense to average assets | 3.1787% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3673% | 5,154 |
| Return on assets (ROA) | 0.3708% | 5,227 |
| Pretax return on assets | 0.4326% | 5,259 |
| Return on Equity (ROE) | 3.4086% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.4617% | 4,317 |
| Net charge-offs to loans | -0.1353% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1211% | 827 |
| Assets per employee ($millions) | 3.4732% | 4,872 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,698 |
| Loan loss allowance to noncurrent loans | 234.1615% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0591% | 2,067 |
| Noncurrent loans to loans | 0.4957% | 3,708 |
| Net loans and leases to total assets | 66.0216% | 2,972 |
| Net loans and leases to deposits | 82.7162% | 2,509 |
| Net loans and leases to core deposits | 84.9039% | 2,891 |
| Total domestic deposits to total assets | 79.8170% | 4,789 |
| Equity capital to assets | 10.9964% | 2,825 |
| Core capital (leverage) ratio | 11.0532% | 2,347 |
| Tier 1 risk-based capital ratio | 16.7622% | 2,373 |
| Total risk-based capital ratio | 17.9498% | 2,346 |
| Memoranda: | ||
| Average total assets | $48,541,800 | 5,576 |
| Average earning assets | $44,138,800 | 5,575 |
| Average equity | $5,280,800 | 5,586 |
| Average total loans | $31,045,400 | 5,323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,271 |
| Cost of funding earning assets | 0.3445% | 3,819 |
| Net interest margin | 3.4021% | 3,952 |
| Noninterest income to average assets | 0.5111% | 3,290 |
| Noninterest expense to average assets | 3.1793% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3549% | 5,303 |
| Return on assets (ROA) | 0.3572% | 5,382 |
| Pretax return on assets | 0.4287% | 5,405 |
| Return on Equity (ROE) | 3.2926% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.0261% | 4,867 |
| Net charge-offs to loans | -0.1738% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1860% | 829 |
| Assets per employee ($millions) | 3.2057% | 5,276 |
| Cash dividends to net income (ytd only)* | 38.4642% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 3,680 |
| Loan loss allowance to noncurrent loans | 251.6779% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 2,259 |
| Noncurrent loans to loans | 0.4752% | 3,937 |
| Net loans and leases to total assets | 64.4213% | 3,239 |
| Net loans and leases to deposits | 80.6840% | 2,800 |
| Net loans and leases to core deposits | 82.8417% | 3,166 |
| Total domestic deposits to total assets | 79.8440% | 4,783 |
| Equity capital to assets | 11.0409% | 2,974 |
| Core capital (leverage) ratio | 10.9056% | 2,586 |
| Tier 1 risk-based capital ratio | 16.0638% | 2,764 |
| Total risk-based capital ratio | 17.2066% | 2,759 |
| Memoranda: | ||
| Average total assets | $48,521,000 | 5,645 |
| Average earning assets | $44,128,000 | 5,650 |
| Average equity | $5,264,250 | 5,661 |
| Average total loans | $30,686,750 | 5,396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,471 |
| Cost of funding earning assets | 0.3615% | 3,674 |
| Net interest margin | 3.3171% | 4,226 |
| Noninterest income to average assets | 0.4479% | 3,722 |
| Noninterest expense to average assets | 3.1480% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2764% | 5,512 |
| Return on assets (ROA) | 0.2836% | 5,575 |
| Pretax return on assets | 0.3247% | 5,617 |
| Return on Equity (ROE) | 2.6289% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.4859% | 4,955 |
| Net charge-offs to loans | -0.0263% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8660% | 694 |
| Assets per employee ($millions) | 3.0191% | 5,574 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 4,353 |
| Loan loss allowance to noncurrent loans | 158.4112% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 2,705 |
| Noncurrent loans to loans | 0.6910% | 3,419 |
| Net loans and leases to total assets | 63.4083% | 3,355 |
| Net loans and leases to deposits | 76.8131% | 3,178 |
| Net loans and leases to core deposits | 78.7890% | 3,504 |
| Total domestic deposits to total assets | 82.5488% | 4,108 |
| Equity capital to assets | 10.9013% | 2,992 |
| Core capital (leverage) ratio | 10.7830% | 2,634 |
| Tier 1 risk-based capital ratio | 16.6810% | 2,528 |
| Total risk-based capital ratio | 17.7625% | 2,552 |
| Memoranda: | ||
| Average total assets | $48,666,330 | 5,709 |
| Average earning assets | $44,255,000 | 5,709 |
| Average equity | $5,249,330 | 5,719 |
| Average total loans | $30,465,000 | 5,455 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,571 |
| Cost of funding earning assets | 0.3963% | 3,350 |
| Net interest margin | 3.2421% | 4,446 |
| Noninterest income to average assets | 0.4750% | 3,465 |
| Noninterest expense to average assets | 3.1527% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2393% | 5,590 |
| Return on assets (ROA) | 0.2539% | 5,647 |
| Pretax return on assets | 0.2866% | 5,675 |
| Return on Equity (ROE) | 2.3660% | 5,584 |
| Retained earnings to average equity (ytd only) | 0.0763% | 5,346 |
| Net charge-offs to loans | -0.0794% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1053% | 707 |
| Assets per employee ($millions) | 3.1595% | 5,468 |
| Cash dividends to net income (ytd only)* | 96.7742% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,482 |
| Loan loss allowance to noncurrent loans | 102.0958% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 2,354 |
| Noncurrent loans to loans | 1.0834% | 2,594 |
| Net loans and leases to total assets | 60.3102% | 3,607 |
| Net loans and leases to deposits | 70.5545% | 3,688 |
| Net loans and leases to core deposits | 72.2259% | 3,942 |
| Total domestic deposits to total assets | 85.4803% | 3,185 |
| Equity capital to assets | 10.3834% | 3,679 |
| Core capital (leverage) ratio | 10.6772% | 2,768 |
| Tier 1 risk-based capital ratio | 16.4637% | 2,696 |
| Total risk-based capital ratio | 17.5450% | 2,722 |
| Memoranda: | ||
| Average total assets | $48,846,500 | 5,751 |
| Average earning assets | $44,415,500 | 5,750 |
| Average equity | $5,241,000 | 5,772 |
| Average total loans | $30,213,000 | 5,501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 5,060 |
| Cost of funding earning assets | 0.2845% | 4,958 |
| Net interest margin | 3.3234% | 4,499 |
| Noninterest income to average assets | 0.5691% | 3,059 |
| Noninterest expense to average assets | 3.1298% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3609% | 5,352 |
| Return on assets (ROA) | 0.4073% | 5,259 |
| Pretax return on assets | 0.4831% | 5,291 |
| Return on Equity (ROE) | 3.8441% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.6851% | 4,335 |
| Net charge-offs to loans | 0.1679% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.3542% | 3,677 |
| Efficiency ratio | 87.9747% | 999 |
| Assets per employee ($millions) | 3.1427% | 5,513 |
| Cash dividends to net income (ytd only)* | 30.1508% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 4,381 |
| Loan loss allowance to noncurrent loans | 242.7536% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 3,188 |
| Noncurrent loans to loans | 0.4663% | 4,255 |
| Net loans and leases to total assets | 62.0734% | 3,488 |
| Net loans and leases to deposits | 72.8273% | 3,581 |
| Net loans and leases to core deposits | 74.6861% | 3,852 |
| Total domestic deposits to total assets | 85.2337% | 3,195 |
| Equity capital to assets | 11.1007% | 2,806 |
| Core capital (leverage) ratio | 10.6686% | 2,753 |
| Tier 1 risk-based capital ratio | 15.6624% | 3,147 |
| Total risk-based capital ratio | 16.6732% | 3,208 |
| Memoranda: | ||
| Average total assets | $48,852,600 | 5,811 |
| Average earning assets | $43,931,400 | 5,830 |
| Average equity | $5,176,800 | 5,816 |
| Average total loans | $28,581,200 | 5,622 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 5,257 |
| Cost of funding earning assets | 0.2832% | 5,060 |
| Net interest margin | 3.2714% | 4,715 |
| Noninterest income to average assets | 0.5736% | 3,043 |
| Noninterest expense to average assets | 3.0951% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3272% | 5,504 |
| Return on assets (ROA) | 0.3842% | 5,383 |
| Pretax return on assets | 0.4897% | 5,346 |
| Return on Equity (ROE) | 3.6672% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.1177% | 4,997 |
| Net charge-offs to loans | 0.2354% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.0798% | 3,744 |
| Efficiency ratio | 88.1356% | 989 |
| Assets per employee ($millions) | 3.0976% | 5,597 |
| Cash dividends to net income (ytd only)* | 42.2543% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 4,381 |
| Loan loss allowance to noncurrent loans | 126.6160% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 3,005 |
| Noncurrent loans to loans | 0.9247% | 3,250 |
| Net loans and leases to total assets | 60.4941% | 3,702 |
| Net loans and leases to deposits | 69.9656% | 3,921 |
| Net loans and leases to core deposits | 73.6313% | 3,980 |
| Total domestic deposits to total assets | 86.4626% | 2,606 |
| Equity capital to assets | 11.1893% | 2,775 |
| Core capital (leverage) ratio | 10.7419% | 2,771 |
| Tier 1 risk-based capital ratio | 16.0493% | 3,037 |
| Total risk-based capital ratio | 17.0902% | 3,076 |
| Memoranda: | ||
| Average total assets | $49,280,500 | 5,868 |
| Average earning assets | $44,260,500 | 5,894 |
| Average equity | $5,162,750 | 5,882 |
| Average total loans | $28,327,250 | 5,690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 5,414 |
| Cost of funding earning assets | 0.2889% | 5,087 |
| Net interest margin | 3.2090% | 4,911 |
| Noninterest income to average assets | 0.5615% | 3,041 |
| Noninterest expense to average assets | 3.0028% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3374% | 5,442 |
| Return on assets (ROA) | 0.4182% | 5,228 |
| Pretax return on assets | 0.5376% | 5,166 |
| Return on Equity (ROE) | 4.0771% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.9122% | 4,352 |
| Net charge-offs to loans | -0.0212% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3696% | 1,145 |
| Assets per employee ($millions) | 3.3445% | 5,162 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 3,683 |
| Loan loss allowance to noncurrent loans | 76.7396% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 2,358 |
| Noncurrent loans to loans | 1.7362% | 1,987 |
| Net loans and leases to total assets | 56.9797% | 4,116 |
| Net loans and leases to deposits | 65.1569% | 4,362 |
| Net loans and leases to core deposits | 68.2692% | 4,440 |
| Total domestic deposits to total assets | 87.4499% | 2,218 |
| Equity capital to assets | 10.3614% | 3,605 |
| Core capital (leverage) ratio | 9.6778% | 4,072 |
| Tier 1 risk-based capital ratio | 15.0923% | 3,584 |
| Total risk-based capital ratio | 16.2285% | 3,594 |
| Memoranda: | ||
| Average total assets | $50,219,330 | 5,898 |
| Average earning assets | $44,998,330 | 5,915 |
| Average equity | $5,150,670 | 5,921 |
| Average total loans | $28,289,330 | 5,732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 5,522 |
| Cost of funding earning assets | 0.2950% | 5,117 |
| Net interest margin | 3.1651% | 5,030 |
| Noninterest income to average assets | 0.5891% | 2,796 |
| Noninterest expense to average assets | 3.0411% | 2,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3025% | 5,484 |
| Return on assets (ROA) | 0.3025% | 5,529 |
| Pretax return on assets | 0.3662% | 5,553 |
| Return on Equity (ROE) | 2.9647% | 5,471 |
| Retained earnings to average equity (ytd only) | 0.6241% | 5,338 |
| Net charge-offs to loans | -0.0286% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2523% | 1,096 |
| Assets per employee ($millions) | 3.7419% | 4,443 |
| Cash dividends to net income (ytd only)* | 78.9474% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 3,420 |
| Loan loss allowance to noncurrent loans | 130.0676% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 3,389 |
| Noncurrent loans to loans | 1.1069% | 3,211 |
| Net loans and leases to total assets | 50.3121% | 4,880 |
| Net loans and leases to deposits | 57.1054% | 5,025 |
| Net loans and leases to core deposits | 59.6920% | 5,067 |
| Total domestic deposits to total assets | 88.1039% | 2,172 |
| Equity capital to assets | 9.8059% | 4,101 |
| Core capital (leverage) ratio | 10.0747% | 3,464 |
| Tier 1 risk-based capital ratio | 14.6425% | 3,925 |
| Total risk-based capital ratio | 15.7566% | 3,959 |
| Memoranda: | ||
| Average total assets | $50,245,500 | 5,958 |
| Average earning assets | $44,738,500 | 5,980 |
| Average equity | $5,127,000 | 5,964 |
| Average total loans | $27,948,500 | 5,802 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,505 |
| Cost of funding earning assets | 0.3753% | 4,890 |
| Net interest margin | 3.5118% | 3,845 |
| Noninterest income to average assets | 0.6076% | 3,047 |
| Noninterest expense to average assets | 3.2190% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4288% | 5,041 |
| Return on assets (ROA) | 0.4634% | 5,029 |
| Pretax return on assets | 0.5520% | 5,042 |
| Return on Equity (ROE) | 4.4593% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.7657% | 3,528 |
| Net charge-offs to loans | 0.0140% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 667 |
| Efficiency ratio | 86.3059% | 1,386 |
| Assets per employee ($millions) | 3.2069% | 5,475 |
| Cash dividends to net income (ytd only)* | 15.5556% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,074 |
| Loan loss allowance to noncurrent loans | 77.6876% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 2,609 |
| Noncurrent loans to loans | 1.6910% | 2,375 |
| Net loans and leases to total assets | 59.8121% | 3,752 |
| Net loans and leases to deposits | 72.0128% | 3,517 |
| Net loans and leases to core deposits | 75.8076% | 3,624 |
| Total domestic deposits to total assets | 83.0575% | 4,529 |
| Equity capital to assets | 10.6374% | 2,993 |
| Core capital (leverage) ratio | 10.1546% | 3,357 |
| Tier 1 risk-based capital ratio | 14.2146% | 4,144 |
| Total risk-based capital ratio | 15.2922% | 4,208 |
| Memoranda: | ||
| Average total assets | $48,554,800 | 6,053 |
| Average earning assets | $43,168,600 | 6,074 |
| Average equity | $5,045,600 | 6,052 |
| Average total loans | $28,488,000 | 5,830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 4,557 |
| Cost of funding earning assets | 0.3882% | 4,918 |
| Net interest margin | 3.4968% | 3,898 |
| Noninterest income to average assets | 0.6109% | 3,071 |
| Noninterest expense to average assets | 3.1862% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4274% | 5,125 |
| Return on assets (ROA) | 0.4712% | 5,075 |
| Pretax return on assets | 0.5890% | 5,058 |
| Return on Equity (ROE) | 4.5613% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.6330% | 4,108 |
| Net charge-offs to loans | 0.0282% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 32.4988% | 1,169 |
| Efficiency ratio | 85.6406% | 1,396 |
| Assets per employee ($millions) | 3.7933% | 4,260 |
| Cash dividends to net income (ytd only)* | 20.3506% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,283 |
| Loan loss allowance to noncurrent loans | 72.5714% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 3,526 |
| Noncurrent loans to loans | 1.8211% | 2,466 |
| Net loans and leases to total assets | 57.6866% | 4,060 |
| Net loans and leases to deposits | 69.3373% | 3,881 |
| Net loans and leases to core deposits | 72.8906% | 3,986 |
| Total domestic deposits to total assets | 83.1971% | 4,503 |
| Equity capital to assets | 10.2326% | 3,595 |
| Core capital (leverage) ratio | 10.2935% | 3,253 |
| Tier 1 risk-based capital ratio | 13.8284% | 4,552 |
| Total risk-based capital ratio | 14.8825% | 4,629 |
| Memoranda: | ||
| Average total assets | $48,667,500 | 6,118 |
| Average earning assets | $43,276,500 | 6,139 |
| Average equity | $5,027,750 | 6,127 |
| Average total loans | $28,321,250 | 5,887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,535 |
| Cost of funding earning assets | 0.4010% | 4,938 |
| Net interest margin | 3.4844% | 3,843 |
| Noninterest income to average assets | 0.6109% | 3,129 |
| Noninterest expense to average assets | 3.1412% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4829% | 4,871 |
| Return on assets (ROA) | 0.4829% | 5,048 |
| Pretax return on assets | 0.5903% | 5,050 |
| Return on Equity (ROE) | 4.6598% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.2658% | 4,224 |
| Net charge-offs to loans | 0.0710% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.3000% | 1,832 |
| Efficiency ratio | 84.1814% | 1,614 |
| Assets per employee ($millions) | 3.2675% | 5,339 |
| Cash dividends to net income (ytd only)* | 29.9145% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,248 |
| Loan loss allowance to noncurrent loans | 70.0743% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 3,538 |
| Noncurrent loans to loans | 1.9320% | 2,469 |
| Net loans and leases to total assets | 56.0464% | 4,282 |
| Net loans and leases to deposits | 66.7331% | 4,182 |
| Net loans and leases to core deposits | 70.1409% | 4,264 |
| Total domestic deposits to total assets | 83.9859% | 4,323 |
| Equity capital to assets | 10.3013% | 3,544 |
| Core capital (leverage) ratio | 8.7912% | 5,304 |
| Tier 1 risk-based capital ratio | 14.0172% | 4,416 |
| Total risk-based capital ratio | 15.0877% | 4,505 |
| Memoranda: | ||
| Average total assets | $48,452,330 | 6,162 |
| Average earning assets | $43,393,000 | 6,176 |
| Average equity | $5,021,670 | 6,175 |
| Average total loans | $28,152,330 | 5,931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 5,183 |
| Cost of funding earning assets | 0.3973% | 5,129 |
| Net interest margin | 3.2988% | 4,522 |
| Noninterest income to average assets | 0.6145% | 3,055 |
| Noninterest expense to average assets | 3.1720% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3238% | 5,471 |
| Return on assets (ROA) | 0.3238% | 5,603 |
| Pretax return on assets | 0.4069% | 5,541 |
| Return on Equity (ROE) | 3.1150% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.1150% | 4,403 |
| Net charge-offs to loans | 0.0283% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,077 |
| Efficiency ratio | 88.6311% | 1,262 |
| Assets per employee ($millions) | 3.3125% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,330 |
| Loan loss allowance to noncurrent loans | 59.4136% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 3,359 |
| Noncurrent loans to loans | 2.3242% | 2,254 |
| Net loans and leases to total assets | 55.3384% | 4,194 |
| Net loans and leases to deposits | 63.0729% | 4,410 |
| Net loans and leases to core deposits | 66.1057% | 4,515 |
| Total domestic deposits to total assets | 87.7372% | 2,500 |
| Equity capital to assets | 10.1053% | 4,013 |
| Core capital (leverage) ratio | 10.1108% | 3,264 |
| Tier 1 risk-based capital ratio | 13.7931% | 4,656 |
| Total risk-based capital ratio | 14.8768% | 4,746 |
| Memoranda: | ||
| Average total assets | $48,172,000 | 6,239 |
| Average earning assets | $43,289,000 | 6,235 |
| Average equity | $5,008,000 | 6,242 |
| Average total loans | $28,305,000 | 5,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 4,227 |
| Cost of funding earning assets | 0.4972% | 5,238 |
| Net interest margin | 3.7925% | 3,257 |
| Noninterest income to average assets | 0.6426% | 3,038 |
| Noninterest expense to average assets | 3.5491% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3663% | 5,234 |
| Return on assets (ROA) | 0.3663% | 5,462 |
| Pretax return on assets | 0.4755% | 5,354 |
| Return on Equity (ROE) | 3.4872% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.2636% | 4,647 |
| Net charge-offs to loans | 0.0787% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.6522% | 2,241 |
| Efficiency ratio | 88.1852% | 1,229 |
| Assets per employee ($millions) | 2.9161% | 6,134 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,417 |
| Loan loss allowance to noncurrent loans | 87.5566% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 4,133 |
| Noncurrent loans to loans | 1.5385% | 3,305 |
| Net loans and leases to total assets | 60.7454% | 3,465 |
| Net loans and leases to deposits | 70.2195% | 3,677 |
| Net loans and leases to core deposits | 73.8804% | 3,796 |
| Total domestic deposits to total assets | 86.5079% | 3,091 |
| Equity capital to assets | 10.7058% | 3,275 |
| Core capital (leverage) ratio | 8.9990% | 4,900 |
| Tier 1 risk-based capital ratio | 14.4179% | 4,084 |
| Total risk-based capital ratio | 15.5658% | 4,113 |
| Memoranda: | ||
| Average total assets | $46,687,400 | 6,306 |
| Average earning assets | $41,634,800 | 6,314 |
| Average equity | $4,903,600 | 6,325 |
| Average total loans | $29,207,000 | 5,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,294 |
| Cost of funding earning assets | 0.5125% | 5,355 |
| Net interest margin | 3.8275% | 3,220 |
| Noninterest income to average assets | 0.6339% | 3,080 |
| Noninterest expense to average assets | 3.4607% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4369% | 5,091 |
| Return on assets (ROA) | 0.4369% | 5,327 |
| Pretax return on assets | 0.5853% | 5,219 |
| Return on Equity (ROE) | 4.1795% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.3601% | 4,504 |
| Net charge-offs to loans | -0.0318% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5328% | 1,426 |
| Assets per employee ($millions) | 3.0979% | 5,859 |
| Cash dividends to net income (ytd only)* | 19.6088% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,203 |
| Loan loss allowance to noncurrent loans | 75.5435% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 3,911 |
| Noncurrent loans to loans | 1.9037% | 2,956 |
| Net loans and leases to total assets | 61.5025% | 3,478 |
| Net loans and leases to deposits | 75.2911% | 3,096 |
| Net loans and leases to core deposits | 79.4788% | 3,273 |
| Total domestic deposits to total assets | 81.6863% | 5,132 |
| Equity capital to assets | 10.7579% | 3,546 |
| Core capital (leverage) ratio | 10.5668% | 2,839 |
| Tier 1 risk-based capital ratio | 14.5086% | 4,178 |
| Total risk-based capital ratio | 15.7501% | 4,152 |
| Memoranda: | ||
| Average total assets | $46,695,000 | 6,373 |
| Average earning assets | $41,627,000 | 6,394 |
| Average equity | $4,880,750 | 6,398 |
| Average total loans | $29,326,500 | 6,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 4,420 |
| Cost of funding earning assets | 0.5418% | 5,359 |
| Net interest margin | 3.7974% | 3,375 |
| Noninterest income to average assets | 0.6200% | 3,127 |
| Noninterest expense to average assets | 3.4552% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4062% | 5,192 |
| Return on assets (ROA) | 0.4062% | 5,428 |
| Pretax return on assets | 0.5516% | 5,304 |
| Return on Equity (ROE) | 3.9245% | 5,302 |
| Retained earnings to average equity (ytd only) | 2.6852% | 4,834 |
| Net charge-offs to loans | 0.0068% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 347 |
| Efficiency ratio | 86.2327% | 1,413 |
| Assets per employee ($millions) | 2.9601% | 6,134 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 4,391 |
| Loan loss allowance to noncurrent loans | 73.9602% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1676% | 4,062 |
| Noncurrent loans to loans | 1.9165% | 3,049 |
| Net loans and leases to total assets | 60.0621% | 3,804 |
| Net loans and leases to deposits | 68.6322% | 4,101 |
| Net loans and leases to core deposits | 72.1119% | 4,282 |
| Total domestic deposits to total assets | 87.5129% | 2,462 |
| Equity capital to assets | 10.3355% | 3,901 |
| Core capital (leverage) ratio | 8.9935% | 4,928 |
| Tier 1 risk-based capital ratio | 14.2077% | 4,302 |
| Total risk-based capital ratio | 15.4143% | 4,295 |
| Memoranda: | ||
| Average total assets | $46,770,670 | 6,416 |
| Average earning assets | $41,712,670 | 6,419 |
| Average equity | $4,841,330 | 6,435 |
| Average total loans | $29,436,670 | 6,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 4,121 |
| Cost of funding earning assets | 0.5694% | 5,369 |
| Net interest margin | 3.8796% | 3,007 |
| Noninterest income to average assets | 0.5766% | 3,365 |
| Noninterest expense to average assets | 3.4943% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3959% | 5,274 |
| Return on assets (ROA) | 0.3959% | 5,462 |
| Pretax return on assets | 0.5422% | 5,312 |
| Return on Equity (ROE) | 3.8218% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.8218% | 4,292 |
| Net charge-offs to loans | -0.2287% | 7,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5672% | 1,425 |
| Assets per employee ($millions) | 3.2117% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,168 |
| Loan loss allowance to noncurrent loans | 86.9654% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 4,453 |
| Noncurrent loans to loans | 1.7213% | 3,529 |
| Net loans and leases to total assets | 58.3236% | 3,983 |
| Net loans and leases to deposits | 66.3471% | 4,324 |
| Net loans and leases to core deposits | 69.6357% | 4,473 |
| Total domestic deposits to total assets | 87.9068% | 2,386 |
| Equity capital to assets | 10.1046% | 3,994 |
| Core capital (leverage) ratio | 10.0520% | 3,308 |
| Tier 1 risk-based capital ratio | 14.3726% | 4,195 |
| Total risk-based capital ratio | 15.6220% | 4,167 |
| Memoranda: | ||
| Average total assets | $46,475,500 | 6,475 |
| Average earning assets | $41,448,000 | 6,473 |
| Average equity | $4,814,500 | 6,480 |
| Average total loans | $29,727,500 | 6,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 2,748 |
| Cost of funding earning assets | 0.6665% | 5,732 |
| Net interest margin | 4.3656% | 1,493 |
| Noninterest income to average assets | 0.7734% | 2,216 |
| Noninterest expense to average assets | 3.6597% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6839% | 3,561 |
| Return on assets (ROA) | 0.6855% | 3,745 |
| Pretax return on assets | 0.9854% | 3,289 |
| Return on Equity (ROE) | 6.5382% | 3,622 |
| Retained earnings to average equity (ytd only) | 4.3875% | 3,052 |
| Net charge-offs to loans | 0.0577% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 24.2222% | 993 |
| Efficiency ratio | 78.8247% | 2,484 |
| Assets per employee ($millions) | 2.7984% | 6,463 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,781 |
| Loan loss allowance to noncurrent loans | 88.9371% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0296% | 4,549 |
| Noncurrent loans to loans | 1.4905% | 3,913 |
| Net loans and leases to total assets | 68.1630% | 2,366 |
| Net loans and leases to deposits | 80.0798% | 2,504 |
| Net loans and leases to core deposits | 84.5148% | 2,813 |
| Total domestic deposits to total assets | 85.1189% | 3,775 |
| Equity capital to assets | 10.6332% | 3,387 |
| Core capital (leverage) ratio | 9.8893% | 3,470 |
| Tier 1 risk-based capital ratio | 13.8947% | 4,401 |
| Total risk-based capital ratio | 15.0937% | 4,403 |
| Memoranda: | ||
| Average total assets | $44,348,000 | 6,525 |
| Average earning assets | $39,307,600 | 6,558 |
| Average equity | $4,649,600 | 6,547 |
| Average total loans | $31,195,800 | 6,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 2,864 |
| Cost of funding earning assets | 0.6761% | 5,899 |
| Net interest margin | 4.3693% | 1,496 |
| Noninterest income to average assets | 0.7715% | 2,189 |
| Noninterest expense to average assets | 3.6797% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6721% | 3,756 |
| Return on assets (ROA) | 0.6721% | 3,930 |
| Pretax return on assets | 0.9674% | 3,527 |
| Return on Equity (ROE) | 6.4333% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.9908% | 3,179 |
| Net charge-offs to loans | 0.0768% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.8329% | 1,327 |
| Efficiency ratio | 79.1829% | 2,378 |
| Assets per employee ($millions) | 3.1199% | 5,861 |
| Cash dividends to net income (ytd only)* | 22.4229% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,875 |
| Loan loss allowance to noncurrent loans | 77.6515% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,377 |
| Noncurrent loans to loans | 1.7124% | 3,744 |
| Net loans and leases to total assets | 69.6552% | 2,148 |
| Net loans and leases to deposits | 80.4761% | 2,593 |
| Net loans and leases to core deposits | 84.9714% | 2,915 |
| Total domestic deposits to total assets | 86.5539% | 2,906 |
| Equity capital to assets | 10.8659% | 3,274 |
| Core capital (leverage) ratio | 10.5503% | 2,811 |
| Tier 1 risk-based capital ratio | 14.0853% | 4,292 |
| Total risk-based capital ratio | 15.3089% | 4,287 |
| Memoranda: | ||
| Average total assets | $44,241,250 | 6,587 |
| Average earning assets | $39,242,000 | 6,618 |
| Average equity | $4,621,750 | 6,607 |
| Average total loans | $31,262,250 | 6,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 2,958 |
| Cost of funding earning assets | 0.6947% | 5,997 |
| Net interest margin | 4.3473% | 1,519 |
| Noninterest income to average assets | 0.7428% | 2,301 |
| Noninterest expense to average assets | 3.6328% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6527% | 3,783 |
| Return on assets (ROA) | 0.6527% | 3,907 |
| Pretax return on assets | 0.9408% | 3,469 |
| Return on Equity (ROE) | 6.3314% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.1482% | 3,556 |
| Net charge-offs to loans | 0.0828% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.0769% | 1,366 |
| Efficiency ratio | 79.4291% | 2,478 |
| Assets per employee ($millions) | 3.2029% | 5,634 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,874 |
| Loan loss allowance to noncurrent loans | 78.8973% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.1730% | 4,542 |
| Noncurrent loans to loans | 1.6980% | 3,886 |
| Net loans and leases to total assets | 68.1586% | 2,587 |
| Net loans and leases to deposits | 77.9390% | 3,130 |
| Net loans and leases to core deposits | 83.2462% | 3,329 |
| Total domestic deposits to total assets | 87.4512% | 2,492 |
| Equity capital to assets | 10.4480% | 3,576 |
| Core capital (leverage) ratio | 9.1972% | 4,409 |
| Tier 1 risk-based capital ratio | 14.4085% | 3,858 |
| Total risk-based capital ratio | 15.6594% | 3,832 |
| Memoranda: | ||
| Average total assets | $44,429,000 | 6,631 |
| Average earning assets | $39,151,000 | 6,680 |
| Average equity | $4,580,330 | 6,656 |
| Average total loans | $31,405,000 | 6,226 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0621% | 2,806 |
| Cost of funding earning assets | 0.6908% | 6,186 |
| Net interest margin | 4.3714% | 1,364 |
| Noninterest income to average assets | 0.7417% | 2,307 |
| Noninterest expense to average assets | 3.6542% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6422% | 3,792 |
| Return on assets (ROA) | 0.6422% | 3,867 |
| Pretax return on assets | 0.9226% | 3,420 |
| Return on Equity (ROE) | 6.2721% | 3,741 |
| Retained earnings to average equity (ytd only) | 6.2721% | 2,478 |
| Net charge-offs to loans | 0.0759% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,238 |
| Efficiency ratio | 79.8419% | 2,565 |
| Assets per employee ($millions) | 3.2258% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,728 |
| Loan loss allowance to noncurrent loans | 91.5401% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 4,865 |
| Noncurrent loans to loans | 1.5164% | 4,199 |
| Net loans and leases to total assets | 66.3803% | 2,907 |
| Net loans and leases to deposits | 75.5037% | 3,493 |
| Net loans and leases to core deposits | 80.5774% | 3,658 |
| Total domestic deposits to total assets | 87.9166% | 2,419 |
| Equity capital to assets | 10.1127% | 3,636 |
| Core capital (leverage) ratio | 10.1999% | 2,931 |
| Tier 1 risk-based capital ratio | 14.5522% | 3,704 |
| Total risk-based capital ratio | 15.8032% | 3,669 |
| Memoranda: | ||
| Average total assets | $44,223,000 | 6,686 |
| Average earning assets | $38,798,000 | 6,727 |
| Average equity | $4,528,000 | 6,703 |
| Average total loans | $31,618,500 | 6,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 1,884 |
| Cost of funding earning assets | 0.8662% | 6,316 |
| Net interest margin | 4.7343% | 757 |
| Noninterest income to average assets | 0.8139% | 2,211 |
| Noninterest expense to average assets | 3.8723% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7837% | 2,874 |
| Return on assets (ROA) | 0.7837% | 2,997 |
| Pretax return on assets | 1.1362% | 2,441 |
| Return on Equity (ROE) | 7.5989% | 2,847 |
| Retained earnings to average equity (ytd only) | 5.3507% | 2,221 |
| Net charge-offs to loans | 0.2188% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 6.9014% | 2,245 |
| Efficiency ratio | 77.3148% | 2,824 |
| Assets per employee ($millions) | 2.8857% | 6,360 |
| Cash dividends to net income (ytd only)* | 29.5858% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,986 |
| Loan loss allowance to noncurrent loans | 84.4181% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 4,669 |
| Noncurrent loans to loans | 1.5440% | 4,180 |
| Net loans and leases to total assets | 74.8735% | 1,503 |
| Net loans and leases to deposits | 86.4217% | 2,018 |
| Net loans and leases to core deposits | 92.5945% | 2,429 |
| Total domestic deposits to total assets | 86.6374% | 3,012 |
| Equity capital to assets | 10.3708% | 3,306 |
| Core capital (leverage) ratio | 9.3387% | 3,947 |
| Tier 1 risk-based capital ratio | 13.7855% | 3,999 |
| Total risk-based capital ratio | 15.0346% | 3,981 |
| Memoranda: | ||
| Average total assets | $43,126,600 | 6,760 |
| Average earning assets | $38,210,800 | 6,785 |
| Average equity | $4,448,000 | 6,836 |
| Average total loans | $32,448,400 | 6,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6207% | 1,989 |
| Cost of funding earning assets | 0.8902% | 6,433 |
| Net interest margin | 4.7305% | 785 |
| Noninterest income to average assets | 0.8231% | 2,114 |
| Noninterest expense to average assets | 3.8402% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8046% | 2,983 |
| Return on assets (ROA) | 0.8046% | 3,133 |
| Pretax return on assets | 1.1759% | 2,581 |
| Return on Equity (ROE) | 7.8116% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.3093% | 2,197 |
| Net charge-offs to loans | 0.2267% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6.9092% | 2,428 |
| Efficiency ratio | 76.5577% | 2,845 |
| Assets per employee ($millions) | 2.9145% | 6,338 |
| Cash dividends to net income (ytd only)* | 19.2321% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,623 |
| Loan loss allowance to noncurrent loans | 78.5841% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 4,559 |
| Noncurrent loans to loans | 1.7438% | 4,025 |
| Net loans and leases to total assets | 73.0980% | 2,000 |
| Net loans and leases to deposits | 83.5390% | 2,787 |
| Net loans and leases to core deposits | 89.3802% | 3,193 |
| Total domestic deposits to total assets | 87.5017% | 2,259 |
| Equity capital to assets | 10.4259% | 3,605 |
| Core capital (leverage) ratio | 10.5505% | 2,637 |
| Tier 1 risk-based capital ratio | 13.9851% | 3,851 |
| Total risk-based capital ratio | 15.2354% | 3,819 |
| Memoranda: | ||
| Average total assets | $43,087,000 | 6,850 |
| Average earning assets | $38,191,250 | 6,871 |
| Average equity | $4,437,750 | 6,930 |
| Average total loans | $32,351,250 | 6,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6665% | 1,883 |
| Cost of funding earning assets | 0.9069% | 6,549 |
| Net interest margin | 4.7597% | 709 |
| Noninterest income to average assets | 0.7743% | 2,261 |
| Noninterest expense to average assets | 3.8436% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7930% | 3,002 |
| Return on assets (ROA) | 0.7930% | 3,152 |
| Pretax return on assets | 1.1661% | 2,531 |
| Return on Equity (ROE) | 7.7314% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.4574% | 2,642 |
| Net charge-offs to loans | 0.0124% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 269 |
| Efficiency ratio | 76.7225% | 2,945 |
| Assets per employee ($millions) | 3.0138% | 6,116 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,809 |
| Loan loss allowance to noncurrent loans | 139.2157% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 5,423 |
| Noncurrent loans to loans | 1.0936% | 5,132 |
| Net loans and leases to total assets | 76.1880% | 1,458 |
| Net loans and leases to deposits | 88.1848% | 2,142 |
| Net loans and leases to core deposits | 94.6779% | 2,623 |
| Total domestic deposits to total assets | 86.3958% | 2,869 |
| Equity capital to assets | 10.5468% | 3,348 |
| Core capital (leverage) ratio | 9.4216% | 3,928 |
| Tier 1 risk-based capital ratio | 13.8044% | 3,871 |
| Total risk-based capital ratio | 15.0573% | 3,838 |
| Memoranda: | ||
| Average total assets | $42,876,670 | 6,903 |
| Average earning assets | $38,154,000 | 6,921 |
| Average equity | $4,397,670 | 6,980 |
| Average total loans | $32,334,670 | 6,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 2,241 |
| Cost of funding earning assets | 0.9180% | 6,699 |
| Net interest margin | 4.6629% | 844 |
| Noninterest income to average assets | 0.7497% | 2,305 |
| Noninterest expense to average assets | 3.6651% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8237% | 2,868 |
| Return on assets (ROA) | 0.8237% | 2,961 |
| Pretax return on assets | 1.2217% | 2,291 |
| Return on Equity (ROE) | 8.1437% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.1437% | 1,650 |
| Net charge-offs to loans | -0.0249% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,403 |
| Assets per employee ($millions) | 3.1795% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,635 |
| Loan loss allowance to noncurrent loans | 147.7876% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 5,626 |
| Noncurrent loans to loans | 1.0528% | 5,235 |
| Net loans and leases to total assets | 71.2152% | 2,643 |
| Net loans and leases to deposits | 80.5570% | 3,544 |
| Net loans and leases to core deposits | 86.0221% | 3,890 |
| Total domestic deposits to total assets | 88.4034% | 1,847 |
| Equity capital to assets | 9.9005% | 3,994 |
| Core capital (leverage) ratio | 10.1010% | 3,040 |
| Tier 1 risk-based capital ratio | 13.7199% | 3,850 |
| Total risk-based capital ratio | 14.9736% | 3,801 |
| Memoranda: | ||
| Average total assets | $43,218,500 | 6,977 |
| Average earning assets | $38,345,000 | 7,008 |
| Average equity | $4,371,500 | 7,049 |
| Average total loans | $32,180,500 | 6,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0037% | 1,849 |
| Cost of funding earning assets | 1.2104% | 6,624 |
| Net interest margin | 4.7933% | 706 |
| Noninterest income to average assets | 0.8776% | 2,038 |
| Noninterest expense to average assets | 3.8930% | 1,518 |
| Loan and lease loss provision to assets | 0.9386% | 2,403 |
| Net operating income to assets | 0.2464% | 4,733 |
| Return on assets (ROA) | 0.2464% | 4,814 |
| Pretax return on assets | 0.2558% | 4,882 |
| Return on Equity (ROE) | 2.4052% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.1145% | 4,836 |
| Net charge-offs to loans | 0.6718% | 3,170 |
| Credit loss provision to net charge-offs | 188.6792% | 2,131 |
| Earnings coverage of net charge-offs (x) | 2.4009% | 3,933 |
| Efficiency ratio | 76.5221% | 3,434 |
| Assets per employee ($millions) | 2.7949% | 6,672 |
| Cash dividends to net income (ytd only)* | 95.2381% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 3,468 |
| Loan loss allowance to noncurrent loans | 176.9504% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 5,783 |
| Noncurrent loans to loans | 0.8769% | 5,547 |
| Net loans and leases to total assets | 75.5200% | 1,917 |
| Net loans and leases to deposits | 87.4565% | 2,652 |
| Net loans and leases to core deposits | 103.7623% | 3,596 |
| Total domestic deposits to total assets | 86.3515% | 2,839 |
| Equity capital to assets | 10.3425% | 3,348 |
| Core capital (leverage) ratio | 9.4648% | 3,767 |
| Tier 1 risk-based capital ratio | 13.5782% | 3,774 |
| Total risk-based capital ratio | 14.8321% | 3,715 |
| Memoranda: | ||
| Average total assets | $42,615,200 | 7,006 |
| Average earning assets | $37,427,000 | 7,033 |
| Average equity | $4,365,600 | 7,156 |
| Average total loans | $31,557,400 | 6,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9981% | 2,048 |
| Cost of funding earning assets | 1.2557% | 6,697 |
| Net interest margin | 4.7424% | 771 |
| Noninterest income to average assets | 0.8631% | 2,133 |
| Noninterest expense to average assets | 3.7081% | 1,803 |
| Loan and lease loss provision to assets | 1.2464% | 1,553 |
| Net operating income to assets | 0.1184% | 5,412 |
| Return on assets (ROA) | 0.1184% | 5,470 |
| Pretax return on assets | 0.0748% | 5,571 |
| Return on Equity (ROE) | 1.1587% | 5,441 |
| Retained earnings to average equity (ytd only) | -1.8902% | 5,701 |
| Net charge-offs to loans | 0.0637% | 6,061 |
| Credit loss provision to net charge-offs | 2,666.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 28.2660% | 970 |
| Efficiency ratio | 73.7299% | 3,912 |
| Assets per employee ($millions) | 2.5730% | 7,103 |
| Cash dividends to net income (ytd only)* | 263.1340% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,436 |
| Loan loss allowance to noncurrent loans | 206.8249% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 5,456 |
| Noncurrent loans to loans | 1.0606% | 5,195 |
| Net loans and leases to total assets | 75.4907% | 2,101 |
| Net loans and leases to deposits | 89.5465% | 2,665 |
| Net loans and leases to core deposits | 106.9590% | 3,594 |
| Total domestic deposits to total assets | 84.3033% | 3,578 |
| Equity capital to assets | 10.3916% | 3,626 |
| Core capital (leverage) ratio | 9.9342% | 3,360 |
| Tier 1 risk-based capital ratio | 13.6853% | 3,724 |
| Total risk-based capital ratio | 14.9465% | 3,665 |
| Memoranda: | ||
| Average total assets | $42,788,000 | 7,050 |
| Average earning assets | $37,588,750 | 7,088 |
| Average equity | $4,373,000 | 7,226 |
| Average total loans | $31,406,750 | 6,605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 2,578 |
| Cost of funding earning assets | 1.2937% | 6,829 |
| Net interest margin | 4.6069% | 941 |
| Noninterest income to average assets | 0.8216% | 2,308 |
| Noninterest expense to average assets | 3.6051% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8447% | 2,674 |
| Return on assets (ROA) | 0.8447% | 2,777 |
| Pretax return on assets | 1.2602% | 2,129 |
| Return on Equity (ROE) | 8.3094% | 2,650 |
| Retained earnings to average equity (ytd only) | 3.7687% | 3,204 |
| Net charge-offs to loans | -0.0064% | 7,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0987% | 4,021 |
| Assets per employee ($millions) | 2.7915% | 6,649 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 6,291 |
| Loan loss allowance to noncurrent loans | 82.1053% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2777% | 4,380 |
| Noncurrent loans to loans | 1.2116% | 4,794 |
| Net loans and leases to total assets | 74.1570% | 2,665 |
| Net loans and leases to deposits | 85.1552% | 3,705 |
| Net loans and leases to core deposits | 103.5586% | 4,112 |
| Total domestic deposits to total assets | 87.0844% | 2,212 |
| Equity capital to assets | 10.5512% | 3,341 |
| Core capital (leverage) ratio | 9.5466% | 3,812 |
| Tier 1 risk-based capital ratio | 14.3118% | 3,351 |
| Total risk-based capital ratio | 15.3294% | 3,409 |
| Memoranda: | ||
| Average total assets | $43,328,000 | 7,085 |
| Average earning assets | $38,030,000 | 7,126 |
| Average equity | $4,404,670 | 7,271 |
| Average total loans | $31,284,000 | 6,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 3,093 |
| Cost of funding earning assets | 1.2803% | 7,079 |
| Net interest margin | 4.5592% | 1,018 |
| Noninterest income to average assets | 0.7717% | 2,475 |
| Noninterest expense to average assets | 3.3412% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9352% | 2,568 |
| Return on assets (ROA) | 0.9352% | 2,697 |
| Pretax return on assets | 1.4073% | 1,947 |
| Return on Equity (ROE) | 9.3679% | 2,588 |
| Retained earnings to average equity (ytd only) | 9.3679% | 1,383 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3633% | 4,502 |
| Assets per employee ($millions) | 3.2210% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,181 |
| Loan loss allowance to noncurrent loans | 78.5894% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 4,235 |
| Noncurrent loans to loans | 1.2729% | 4,438 |
| Net loans and leases to total assets | 68.4725% | 4,022 |
| Net loans and leases to deposits | 77.4850% | 5,008 |
| Net loans and leases to core deposits | 93.3658% | 5,223 |
| Total domestic deposits to total assets | 88.3687% | 1,536 |
| Equity capital to assets | 9.8417% | 4,191 |
| Core capital (leverage) ratio | 10.2359% | 3,166 |
| Tier 1 risk-based capital ratio | 14.0957% | 3,528 |
| Total risk-based capital ratio | 15.0934% | 3,596 |
| Memoranda: | ||
| Average total assets | $44,056,000 | 7,102 |
| Average earning assets | $38,428,000 | 7,150 |
| Average equity | $4,398,000 | 7,319 |
| Average total loans | $31,244,500 | 6,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4897% | 3,014 |
| Cost of funding earning assets | 2.2170% | 5,521 |
| Net interest margin | 4.2727% | 2,064 |
| Noninterest income to average assets | 0.7939% | 2,553 |
| Noninterest expense to average assets | 3.4526% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7727% | 3,559 |
| Return on assets (ROA) | 0.7727% | 3,398 |
| Pretax return on assets | 1.1391% | 2,880 |
| Return on Equity (ROE) | 7.6776% | 3,206 |
| Retained earnings to average equity (ytd only) | 1.8436% | 4,083 |
| Net charge-offs to loans | -0.2318% | 8,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1918% | 3,373 |
| Assets per employee ($millions) | 3.0727% | 5,858 |
| Cash dividends to net income (ytd only)* | 75.9878% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,115 |
| Loan loss allowance to noncurrent loans | 84.9727% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 3,821 |
| Noncurrent loans to loans | 1.1693% | 4,185 |
| Net loans and leases to total assets | 72.0373% | 3,573 |
| Net loans and leases to deposits | 87.2242% | 3,908 |
| Net loans and leases to core deposits | 106.3781% | 4,153 |
| Total domestic deposits to total assets | 82.5887% | 3,953 |
| Equity capital to assets | 10.1306% | 3,884 |
| Core capital (leverage) ratio | 9.3141% | 4,279 |
| Tier 1 risk-based capital ratio | 13.8260% | 3,633 |
| Total risk-based capital ratio | 14.8248% | 3,680 |
| Memoranda: | ||
| Average total assets | $42,576,800 | 7,098 |
| Average earning assets | $37,844,600 | 7,151 |
| Average equity | $4,285,200 | 7,398 |
| Average total loans | $30,632,400 | 6,668 |