Home > Farmers State Bank of Emden > Performance and Condition Ratios
Farmers State Bank of Emden, 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 | 3.4436% | 4,411 |
| Cost of funding earning assets | 0.3534% | 4,334 |
| Net interest margin | 3.0902% | 3,115 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 1.5754% | 4,271 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1938% | 1,666 |
| Return on assets (ROA) | 1.1938% | 1,642 |
| Pretax return on assets | 1.4311% | 1,572 |
| Return on Equity (ROE) | 4.7800% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.8173% | 3,022 |
| Net charge-offs to loans | 0.1408% | 719 |
| Credit loss provision to net charge-offs | 125.0000% | 1,630 |
| Earnings coverage of net charge-offs (x) | 37.8125% | 1,481 |
| Efficiency ratio | 51.5612% | 3,870 |
| Assets per employee ($millions) | 6.4655% | 2,441 |
| Cash dividends to net income (ytd only)* | 20.0820% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3615% | 4,403 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.3900% | 4,225 |
| Net loans and leases to deposits | 45.8906% | 4,052 |
| Net loans and leases to core deposits | 50.0309% | 4,082 |
| Total domestic deposits to total assets | 72.7700% | 4,183 |
| Equity capital to assets | 26.7497% | 176 |
| Core capital (leverage) ratio | 26.1458% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7107% | 91 |
| Memoranda: | ||
| Average total assets | $40,878,600 | 4,388 |
| Average earning assets | $39,900,200 | 4,347 |
| Average equity | $10,216,600 | 3,697 |
| Average total loans | $11,363,200 | 4,400 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3808% | 4,427 |
| Cost of funding earning assets | 0.3163% | 4,345 |
| Net interest margin | 3.0645% | 3,214 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 1.5716% | 4,262 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1755% | 1,865 |
| Return on assets (ROA) | 1.1755% | 1,848 |
| Pretax return on assets | 1.4009% | 1,778 |
| Return on Equity (ROE) | 4.7800% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.7821% | 3,012 |
| Net charge-offs to loans | 0.1826% | 480 |
| Credit loss provision to net charge-offs | 126.6667% | 1,444 |
| Earnings coverage of net charge-offs (x) | 30.2667% | 1,590 |
| Efficiency ratio | 51.8047% | 3,770 |
| Assets per employee ($millions) | 6.8348% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4425% | 4,383 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 25.7800% | 4,384 |
| Net loans and leases to deposits | 34.7418% | 4,319 |
| Net loans and leases to core deposits | 36.5200% | 4,321 |
| Total domestic deposits to total assets | 74.2200% | 4,146 |
| Equity capital to assets | 25.2432% | 197 |
| Core capital (leverage) ratio | 24.6741% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5829% | 95 |
| Memoranda: | ||
| Average total assets | $41,400,000 | 4,397 |
| Average earning assets | $40,462,500 | 4,363 |
| Average equity | $10,176,500 | 3,705 |
| Average total loans | $10,953,750 | 4,429 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 4,456 |
| Cost of funding earning assets | 0.2814% | 4,342 |
| Net interest margin | 3.0307% | 3,351 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.4929% | 4,339 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1943% | 1,845 |
| Return on assets (ROA) | 1.1943% | 1,835 |
| Pretax return on assets | 1.4351% | 1,736 |
| Return on Equity (ROE) | 4.9000% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.9022% | 2,964 |
| Net charge-offs to loans | 0.1265% | 580 |
| Credit loss provision to net charge-offs | 157.1429% | 1,170 |
| Earnings coverage of net charge-offs (x) | 44.1429% | 1,348 |
| Efficiency ratio | 50.0808% | 3,923 |
| Assets per employee ($millions) | 6.9717% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 4,415 |
| Loan loss allowance to noncurrent loans | 587.5000% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,639 |
| Noncurrent loans to loans | 0.0763% | 3,137 |
| Net loans and leases to total assets | 24.9600% | 4,406 |
| Net loans and leases to deposits | 33.2219% | 4,346 |
| Net loans and leases to core deposits | 35.1659% | 4,346 |
| Total domestic deposits to total assets | 75.1200% | 4,107 |
| Equity capital to assets | 24.4681% | 200 |
| Core capital (leverage) ratio | 24.5614% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.8461% | 91 |
| Memoranda: | ||
| Average total assets | $41,530,333 | 4,422 |
| Average earning assets | $40,518,333 | 4,386 |
| Average equity | $10,118,000 | 3,731 |
| Average total loans | $11,064,667 | 4,454 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 4,385 |
| Cost of funding earning assets | 0.2388% | 4,311 |
| Net interest margin | 3.1436% | 3,250 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.3823% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4016% | 1,402 |
| Return on assets (ROA) | 1.4016% | 1,381 |
| Pretax return on assets | 1.6916% | 1,283 |
| Return on Equity (ROE) | 5.7700% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.7657% | 2,831 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.9686% | 4,272 |
| Assets per employee ($millions) | 7.0590% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3854% | 4,504 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,856 |
| Noncurrent loans to loans | 0.0179% | 3,661 |
| Net loans and leases to total assets | 26.2400% | 4,441 |
| Net loans and leases to deposits | 34.6564% | 4,360 |
| Net loans and leases to core deposits | 37.7496% | 4,323 |
| Total domestic deposits to total assets | 75.7200% | 4,175 |
| Equity capital to assets | 23.9222% | 166 |
| Core capital (leverage) ratio | 23.1546% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.4728% | 101 |
| Memoranda: | ||
| Average total assets | $41,380,500 | 4,489 |
| Average earning assets | $40,208,500 | 4,455 |
| Average equity | $10,059,500 | 3,781 |
| Average total loans | $11,354,000 | 4,513 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3354% | 4,553 |
| Cost of funding earning assets | 0.1893% | 3,840 |
| Net interest margin | 2.1461% | 4,499 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.4649% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6000% | 3,884 |
| Return on assets (ROA) | 0.6000% | 3,839 |
| Pretax return on assets | 0.6874% | 3,874 |
| Return on Equity (ROE) | 2.4200% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.4816% | 4,105 |
| Net charge-offs to loans | 0.1751% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 16.1765% | 1,985 |
| Efficiency ratio | 68.0604% | 1,957 |
| Assets per employee ($millions) | 8.0814% | 1,278 |
| Cash dividends to net income (ytd only)* | 38.7500% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3723% | 4,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.4800% | 4,421 |
| Net loans and leases to deposits | 37.9506% | 4,293 |
| Net loans and leases to core deposits | 41.6257% | 4,240 |
| Total domestic deposits to total assets | 75.0400% | 4,312 |
| Equity capital to assets | 24.7160% | 152 |
| Core capital (leverage) ratio | 24.4713% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2914% | 91 |
| Memoranda: | ||
| Average total assets | $40,003,200 | 4,530 |
| Average earning assets | $39,093,800 | 4,487 |
| Average equity | $9,921,400 | 3,881 |
| Average total loans | $9,709,400 | 4,565 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1604% | 4,572 |
| Cost of funding earning assets | 0.1840% | 3,467 |
| Net interest margin | 1.9764% | 4,557 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.3934% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5346% | 3,999 |
| Return on assets (ROA) | 0.5346% | 3,944 |
| Pretax return on assets | 0.6015% | 3,989 |
| Return on Equity (ROE) | 2.1500% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.1537% | 3,991 |
| Net charge-offs to loans | 0.2451% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.5882% | 1,975 |
| Efficiency ratio | 69.8492% | 1,778 |
| Assets per employee ($millions) | 8.2006% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4468% | 4,518 |
| 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 | 23.3700% | 4,555 |
| Net loans and leases to deposits | 31.0436% | 4,485 |
| Net loans and leases to core deposits | 33.5716% | 4,453 |
| Total domestic deposits to total assets | 75.2700% | 4,395 |
| Equity capital to assets | 24.3885% | 144 |
| Core capital (leverage) ratio | 24.4093% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.5693% | 84 |
| Memoranda: | ||
| Average total assets | $39,902,250 | 4,562 |
| Average earning assets | $39,127,000 | 4,520 |
| Average equity | $9,905,000 | 3,929 |
| Average total loans | $9,249,250 | 4,608 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0162% | 4,615 |
| Cost of funding earning assets | 0.1856% | 3,109 |
| Net interest margin | 1.8306% | 4,620 |
| Noninterest income to average assets | 0.0405% | 4,660 |
| Noninterest expense to average assets | 1.4417% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3693% | 4,169 |
| Return on assets (ROA) | 0.3693% | 4,125 |
| Pretax return on assets | 0.3946% | 4,172 |
| Return on Equity (ROE) | 1.4787% | 4,409 |
| Retained earnings to average equity (ytd only) | 1.4787% | 3,885 |
| Net charge-offs to loans | 0.3726% | 186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.5882% | 1,948 |
| Efficiency ratio | 78.5124% | 1,053 |
| Assets per employee ($millions) | 7.9090% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 4,570 |
| 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 | 22.7387% | 4,619 |
| Net loans and leases to deposits | 30.4659% | 4,538 |
| Net loans and leases to core deposits | 32.3197% | 4,526 |
| Total domestic deposits to total assets | 74.6365% | 4,513 |
| Equity capital to assets | 25.0676% | 93 |
| Core capital (leverage) ratio | 24.6512% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.8312% | 52 |
| Memoranda: | ||
| Average total assets | $39,535,333 | 4,612 |
| Average earning assets | $38,785,333 | 4,582 |
| Average equity | $9,873,333 | 4,008 |
| Average total loans | $9,124,333 | 4,674 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9628% | 4,624 |
| Cost of funding earning assets | 0.1756% | 3,149 |
| Net interest margin | 1.7872% | 4,623 |
| Noninterest income to average assets | 0.0202% | 4,720 |
| Noninterest expense to average assets | 1.4672% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2732% | 4,193 |
| Return on assets (ROA) | 0.2732% | 4,161 |
| Pretax return on assets | 0.3036% | 4,183 |
| Return on Equity (ROE) | 1.0961% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.0961% | 3,806 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 922 |
| Assets per employee ($millions) | 8.1914% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 4,332 |
| Loan loss allowance to noncurrent loans | 67.4157% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,343 |
| Noncurrent loans to loans | 1.0868% | 824 |
| Net loans and leases to total assets | 19.8476% | 4,673 |
| Net loans and leases to deposits | 26.2437% | 4,635 |
| Net loans and leases to core deposits | 27.7601% | 4,615 |
| Total domestic deposits to total assets | 75.6281% | 4,516 |
| Equity capital to assets | 24.0911% | 95 |
| Core capital (leverage) ratio | 25.1767% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.8198% | 52 |
| Memoranda: | ||
| Average total assets | $39,530,500 | 4,638 |
| Average earning assets | $38,719,500 | 4,606 |
| Average equity | $9,853,500 | 4,070 |
| Average total loans | $9,169,000 | 4,698 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1563% | 4,633 |
| Cost of funding earning assets | 0.2071% | 3,397 |
| Net interest margin | 1.9492% | 4,623 |
| Noninterest income to average assets | 0.2077% | 4,123 |
| Noninterest expense to average assets | 1.5133% | 4,529 |
| Loan and lease loss provision to assets | 0.0130% | 2,823 |
| Net operating income to assets | 0.5139% | 4,056 |
| Return on assets (ROA) | 0.5139% | 4,104 |
| Pretax return on assets | 0.5866% | 4,129 |
| Return on Equity (ROE) | 2.0163% | 4,496 |
| Retained earnings to average equity (ytd only) | 1.0693% | 4,241 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 1,552 |
| Assets per employee ($millions) | 7.6208% | 1,542 |
| Cash dividends to net income (ytd only)* | 46.9697% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 4,546 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 2,441 |
| Noncurrent loans to loans | 0.8375% | 1,210 |
| Net loans and leases to total assets | 26.4775% | 4,613 |
| Net loans and leases to deposits | 35.8083% | 4,481 |
| Net loans and leases to core deposits | 38.1437% | 4,457 |
| Total domestic deposits to total assets | 73.9424% | 4,587 |
| Equity capital to assets | 25.8241% | 86 |
| Core capital (leverage) ratio | 24.7193% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.3465% | 51 |
| Memoranda: | ||
| Average total assets | $38,525,400 | 4,675 |
| Average earning assets | $37,657,400 | 4,640 |
| Average equity | $9,819,800 | 4,146 |
| Average total loans | $9,455,600 | 4,738 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1349% | 4,734 |
| Cost of funding earning assets | 0.2117% | 3,498 |
| Net interest margin | 1.9232% | 4,707 |
| Noninterest income to average assets | 0.2381% | 3,976 |
| Noninterest expense to average assets | 1.4668% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5660% | 4,070 |
| Return on assets (ROA) | 0.5660% | 4,114 |
| Pretax return on assets | 0.6523% | 4,155 |
| Return on Equity (ROE) | 2.2279% | 4,563 |
| Retained earnings to average equity (ytd only) | 2.2279% | 4,128 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2182% | 1,678 |
| Assets per employee ($millions) | 7.9782% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 4,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 22.1579% | 4,768 |
| Net loans and leases to deposits | 29.6144% | 4,709 |
| Net loans and leases to core deposits | 31.4298% | 4,697 |
| Total domestic deposits to total assets | 74.8214% | 4,608 |
| Equity capital to assets | 24.8151% | 99 |
| Core capital (leverage) ratio | 25.1218% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.0956% | 50 |
| Memoranda: | ||
| Average total assets | $38,630,750 | 4,745 |
| Average earning assets | $37,784,000 | 4,708 |
| Average equity | $9,814,750 | 4,209 |
| Average total loans | $9,282,250 | 4,809 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1552% | 4,773 |
| Cost of funding earning assets | 0.2252% | 3,515 |
| Net interest margin | 1.9300% | 4,742 |
| Noninterest income to average assets | 0.3193% | 3,513 |
| Noninterest expense to average assets | 1.5388% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5758% | 4,033 |
| Return on assets (ROA) | 0.5758% | 4,086 |
| Pretax return on assets | 0.6647% | 4,137 |
| Return on Equity (ROE) | 2.2480% | 4,571 |
| Retained earnings to average equity (ytd only) | 2.2480% | 4,056 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8337% | 1,665 |
| Assets per employee ($millions) | 7.6276% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 4,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 21.6897% | 4,807 |
| Net loans and leases to deposits | 29.3687% | 4,766 |
| Net loans and leases to core deposits | 31.2824% | 4,754 |
| Total domestic deposits to total assets | 73.8529% | 4,660 |
| Equity capital to assets | 25.8141% | 87 |
| Core capital (leverage) ratio | 25.0210% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.9971% | 55 |
| Memoranda: | ||
| Average total assets | $38,210,667 | 4,781 |
| Average earning assets | $37,305,000 | 4,741 |
| Average equity | $9,786,667 | 4,226 |
| Average total loans | $9,411,667 | 4,846 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1824% | 4,798 |
| Cost of funding earning assets | 0.2473% | 3,501 |
| Net interest margin | 1.9351% | 4,759 |
| Noninterest income to average assets | 0.2196% | 4,069 |
| Noninterest expense to average assets | 1.5583% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4706% | 4,234 |
| Return on assets (ROA) | 0.4706% | 4,270 |
| Pretax return on assets | 0.5438% | 4,286 |
| Return on Equity (ROE) | 1.8447% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.8447% | 4,044 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1294% | 1,297 |
| Assets per employee ($millions) | 7.9384% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 4,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 22.0019% | 4,838 |
| Net loans and leases to deposits | 29.3073% | 4,802 |
| Net loans and leases to core deposits | 31.4046% | 4,794 |
| Total domestic deposits to total assets | 75.0731% | 4,622 |
| Equity capital to assets | 24.6397% | 100 |
| Core capital (leverage) ratio | 24.0709% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2967% | 57 |
| Memoranda: | ||
| Average total assets | $38,247,000 | 4,802 |
| Average earning assets | $37,206,500 | 4,763 |
| Average equity | $9,757,500 | 4,237 |
| Average total loans | $9,954,000 | 4,863 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7135% | 4,789 |
| Cost of funding earning assets | 0.2754% | 4,274 |
| Net interest margin | 2.4380% | 4,633 |
| Noninterest income to average assets | 0.0505% | 4,861 |
| Noninterest expense to average assets | 1.6930% | 4,626 |
| Loan and lease loss provision to assets | 0.0056% | 4,282 |
| Net operating income to assets | 0.6065% | 3,735 |
| Return on assets (ROA) | 0.6065% | 3,856 |
| Pretax return on assets | 0.7131% | 3,853 |
| Return on Equity (ROE) | 2.2263% | 4,533 |
| Retained earnings to average equity (ytd only) | 1.2781% | 4,115 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1979% | 1,925 |
| Assets per employee ($millions) | 7.3604% | 1,357 |
| Cash dividends to net income (ytd only)* | 42.5926% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,924 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.0663% | 4,751 |
| Net loans and leases to deposits | 41.0119% | 4,633 |
| Net loans and leases to core deposits | 43.4911% | 4,618 |
| Total domestic deposits to total assets | 73.3112% | 4,667 |
| Equity capital to assets | 26.4524% | 82 |
| Core capital (leverage) ratio | 25.5070% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.1832% | 53 |
| Memoranda: | ||
| Average total assets | $35,617,000 | 4,821 |
| Average earning assets | $34,494,800 | 4,788 |
| Average equity | $9,702,000 | 4,227 |
| Average total loans | $11,280,800 | 4,869 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7592% | 4,849 |
| Cost of funding earning assets | 0.2763% | 4,409 |
| Net interest margin | 2.4829% | 4,665 |
| Noninterest income to average assets | 0.0491% | 4,891 |
| Noninterest expense to average assets | 1.7062% | 4,616 |
| Loan and lease loss provision to assets | 0.0085% | 4,187 |
| Net operating income to assets | 0.6228% | 3,710 |
| Return on assets (ROA) | 0.6228% | 3,803 |
| Pretax return on assets | 0.7436% | 3,791 |
| Return on Equity (ROE) | 2.2694% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.2694% | 3,837 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4316% | 1,974 |
| Assets per employee ($millions) | 6.2703% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5277% | 4,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,031 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 27.5557% | 4,858 |
| Net loans and leases to deposits | 37.4273% | 4,800 |
| Net loans and leases to core deposits | 39.6247% | 4,790 |
| Total domestic deposits to total assets | 73.6245% | 4,595 |
| Equity capital to assets | 25.9848% | 87 |
| Core capital (leverage) ratio | 26.4345% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.1603% | 67 |
| Memoranda: | ||
| Average total assets | $35,320,750 | 4,851 |
| Average earning assets | $34,259,750 | 4,818 |
| Average equity | $9,693,750 | 4,242 |
| Average total loans | $11,321,000 | 4,901 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8941% | 4,883 |
| Cost of funding earning assets | 0.2816% | 4,529 |
| Net interest margin | 2.6124% | 4,644 |
| Noninterest income to average assets | 0.0289% | 4,956 |
| Noninterest expense to average assets | 1.7943% | 4,566 |
| Loan and lease loss provision to assets | 0.0116% | 4,074 |
| Net operating income to assets | 0.6309% | 3,637 |
| Return on assets (ROA) | 0.6309% | 3,722 |
| Pretax return on assets | 0.7467% | 3,747 |
| Return on Equity (ROE) | 2.2553% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.2553% | 3,657 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2948% | 1,915 |
| Assets per employee ($millions) | 5.9297% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 4,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 2,876 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 33.7512% | 4,787 |
| Net loans and leases to deposits | 46.6656% | 4,634 |
| Net loans and leases to core deposits | 49.6219% | 4,626 |
| Total domestic deposits to total assets | 72.3256% | 4,693 |
| Equity capital to assets | 27.3203% | 77 |
| Core capital (leverage) ratio | 27.7302% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.0683% | 69 |
| Memoranda: | ||
| Average total assets | $34,553,667 | 4,886 |
| Average earning assets | $33,378,667 | 4,853 |
| Average equity | $9,666,333 | 4,258 |
| Average total loans | $11,620,667 | 4,928 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9265% | 4,971 |
| Cost of funding earning assets | 0.2805% | 4,709 |
| Net interest margin | 2.6461% | 4,721 |
| Noninterest income to average assets | 0.0470% | 4,980 |
| Noninterest expense to average assets | 1.7626% | 4,709 |
| Loan and lease loss provision to assets | 0.0235% | 3,512 |
| Net operating income to assets | 0.6698% | 3,369 |
| Return on assets (ROA) | 0.6698% | 3,439 |
| Pretax return on assets | 0.8108% | 3,385 |
| Return on Equity (ROE) | 2.3653% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.3653% | 3,314 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8733% | 2,693 |
| Assets per employee ($millions) | 5.6437% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4976% | 4,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 2,957 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 32.4759% | 4,855 |
| Net loans and leases to deposits | 45.7579% | 4,727 |
| Net loans and leases to core deposits | 47.8422% | 4,732 |
| Total domestic deposits to total assets | 70.9734% | 4,815 |
| Equity capital to assets | 28.5512% | 79 |
| Core capital (leverage) ratio | 27.9470% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.4476% | 65 |
| Memoranda: | ||
| Average total assets | $34,041,500 | 4,928 |
| Average earning assets | $32,803,500 | 4,893 |
| Average equity | $9,639,500 | 4,278 |
| Average total loans | $11,399,500 | 4,976 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 5,052 |
| Cost of funding earning assets | 0.2591% | 4,828 |
| Net interest margin | 2.7390% | 4,808 |
| Noninterest income to average assets | 0.0582% | 5,016 |
| Noninterest expense to average assets | 1.7116% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8209% | 3,485 |
| Return on assets (ROA) | 0.8209% | 3,578 |
| Pretax return on assets | 0.9926% | 3,477 |
| Return on Equity (ROE) | 2.9547% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.9908% | 4,006 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2939% | 3,177 |
| Assets per employee ($millions) | 5.7035% | 1,875 |
| Cash dividends to net income (ytd only)* | 32.6241% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 4,943 |
| Loan loss allowance to noncurrent loans | 40.7692% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 2,894 |
| Noncurrent loans to loans | 1.1067% | 1,363 |
| Net loans and leases to total assets | 34.1720% | 4,896 |
| Net loans and leases to deposits | 47.7657% | 4,747 |
| Net loans and leases to core deposits | 49.8976% | 4,761 |
| Total domestic deposits to total assets | 71.5409% | 4,881 |
| Equity capital to assets | 28.0851% | 85 |
| Core capital (leverage) ratio | 27.6759% | 90 |
| Tier 1 risk-based capital ratio | 59.6031% | 93 |
| Total risk-based capital ratio | 59.9318% | 95 |
| Memoranda: | ||
| Average total assets | $34,354,200 | 4,971 |
| Average earning assets | $33,187,800 | 4,941 |
| Average equity | $9,544,000 | 4,300 |
| Average total loans | $10,589,200 | 5,050 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9978% | 5,152 |
| Cost of funding earning assets | 0.2522% | 4,919 |
| Net interest margin | 2.7456% | 4,900 |
| Noninterest income to average assets | 0.0465% | 5,118 |
| Noninterest expense to average assets | 1.7138% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7987% | 3,679 |
| Return on assets (ROA) | 0.7987% | 3,750 |
| Pretax return on assets | 0.9926% | 3,617 |
| Return on Equity (ROE) | 2.8829% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.8829% | 3,939 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3238% | 3,106 |
| Assets per employee ($millions) | 5.8365% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 4,917 |
| Loan loss allowance to noncurrent loans | 40.7692% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 3,020 |
| Noncurrent loans to loans | 1.3171% | 1,174 |
| Net loans and leases to total assets | 28.0334% | 5,089 |
| Net loans and leases to deposits | 38.9332% | 5,020 |
| Net loans and leases to core deposits | 40.4508% | 5,025 |
| Total domestic deposits to total assets | 72.0038% | 4,918 |
| Equity capital to assets | 27.4908% | 94 |
| Core capital (leverage) ratio | 27.7427% | 88 |
| Tier 1 risk-based capital ratio | 59.8918% | 95 |
| Total risk-based capital ratio | 60.2215% | 96 |
| Memoranda: | ||
| Average total assets | $34,387,500 | 5,046 |
| Average earning assets | $33,312,750 | 5,014 |
| Average equity | $9,527,250 | 4,351 |
| Average total loans | $10,299,750 | 5,132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9995% | 5,207 |
| Cost of funding earning assets | 0.2600% | 4,924 |
| Net interest margin | 2.7394% | 4,971 |
| Noninterest income to average assets | 0.0176% | 5,221 |
| Noninterest expense to average assets | 1.6795% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8017% | 3,647 |
| Return on assets (ROA) | 0.8017% | 3,708 |
| Pretax return on assets | 0.9890% | 3,586 |
| Return on Equity (ROE) | 2.8860% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.8860% | 3,774 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9386% | 3,295 |
| Assets per employee ($millions) | 5.6455% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 4,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.1758% | 5,120 |
| Net loans and leases to deposits | 39.4951% | 5,059 |
| Net loans and leases to core deposits | 41.0142% | 5,063 |
| Total domestic deposits to total assets | 71.3400% | 5,005 |
| Equity capital to assets | 28.2172% | 85 |
| Core capital (leverage) ratio | 28.7165% | 77 |
| Tier 1 risk-based capital ratio | 61.4188% | 90 |
| Total risk-based capital ratio | 61.7594% | 90 |
| Memoranda: | ||
| Average total assets | $34,177,000 | 5,093 |
| Average earning assets | $33,072,670 | 5,061 |
| Average equity | $9,494,000 | 4,372 |
| Average total loans | $10,443,000 | 5,177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0254% | 5,263 |
| Cost of funding earning assets | 0.2541% | 4,970 |
| Net interest margin | 2.7712% | 5,013 |
| Noninterest income to average assets | 0.0233% | 5,269 |
| Noninterest expense to average assets | 1.5148% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9555% | 3,027 |
| Return on assets (ROA) | 0.9555% | 3,070 |
| Pretax return on assets | 1.1768% | 2,889 |
| Return on Equity (ROE) | 3.4665% | 4,683 |
| Retained earnings to average equity (ytd only) | 3.4665% | 3,527 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2771% | 4,296 |
| Assets per employee ($millions) | 5.7457% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 5,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 30.7478% | 5,137 |
| Net loans and leases to deposits | 42.6869% | 5,019 |
| Net loans and leases to core deposits | 44.1097% | 5,037 |
| Total domestic deposits to total assets | 72.0311% | 5,043 |
| Equity capital to assets | 27.5657% | 87 |
| Core capital (leverage) ratio | 27.0248% | 93 |
| Tier 1 risk-based capital ratio | 57.7269% | 96 |
| Total risk-based capital ratio | 58.0488% | 99 |
| Memoranda: | ||
| Average total assets | $34,329,000 | 5,143 |
| Average earning assets | $33,054,000 | 5,114 |
| Average equity | $9,462,000 | 4,408 |
| Average total loans | $10,866,000 | 5,228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7961% | 5,294 |
| Cost of funding earning assets | 0.2233% | 4,913 |
| Net interest margin | 2.5728% | 5,172 |
| Noninterest income to average assets | 0.1690% | 4,881 |
| Noninterest expense to average assets | 1.7387% | 5,052 |
| Loan and lease loss provision to assets | 0.0172% | 3,815 |
| Net operating income to assets | 0.7533% | 3,957 |
| Return on assets (ROA) | 0.7533% | 3,961 |
| Pretax return on assets | 0.8880% | 3,925 |
| Return on Equity (ROE) | 2.8085% | 4,936 |
| Retained earnings to average equity (ytd only) | 1.8261% | 4,418 |
| Net charge-offs to loans | 0.0190% | 3,067 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 546 |
| Efficiency ratio | 65.7638% | 2,899 |
| Assets per employee ($millions) | 5.6973% | 1,775 |
| Cash dividends to net income (ytd only)* | 34.9810% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 5,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 32.2549% | 5,164 |
| Net loans and leases to deposits | 44.7030% | 5,014 |
| Net loans and leases to core deposits | 46.2248% | 5,029 |
| Total domestic deposits to total assets | 72.1536% | 5,063 |
| Equity capital to assets | 27.5597% | 84 |
| Core capital (leverage) ratio | 27.1647% | 86 |
| Tier 1 risk-based capital ratio | 61.0485% | 89 |
| Total risk-based capital ratio | 61.3919% | 89 |
| Memoranda: | ||
| Average total assets | $34,911,400 | 5,173 |
| Average earning assets | $33,582,600 | 5,146 |
| Average equity | $9,364,400 | 4,409 |
| Average total loans | $10,541,000 | 5,279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7404% | 5,365 |
| Cost of funding earning assets | 0.2166% | 4,960 |
| Net interest margin | 2.5239% | 5,267 |
| Noninterest income to average assets | 0.1976% | 4,792 |
| Noninterest expense to average assets | 1.7287% | 5,110 |
| Loan and lease loss provision to assets | 0.0228% | 3,564 |
| Net operating income to assets | 0.7371% | 4,121 |
| Return on assets (ROA) | 0.7371% | 4,132 |
| Pretax return on assets | 0.8815% | 4,083 |
| Return on Equity (ROE) | 2.7663% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.7663% | 4,324 |
| Net charge-offs to loans | 0.0257% | 2,607 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 118.8502% | 663 |
| Efficiency ratio | 65.6566% | 2,929 |
| Assets per employee ($millions) | 5.6982% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 5,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 27.9827% | 5,305 |
| Net loans and leases to deposits | 38.8997% | 5,232 |
| Net loans and leases to core deposits | 40.2279% | 5,236 |
| Total domestic deposits to total assets | 71.9354% | 5,134 |
| Equity capital to assets | 27.6229% | 85 |
| Core capital (leverage) ratio | 27.8190% | 83 |
| Tier 1 risk-based capital ratio | 60.2565% | 86 |
| Total risk-based capital ratio | 60.5947% | 87 |
| Memoranda: | ||
| Average total assets | $35,093,250 | 5,239 |
| Average earning assets | $33,862,750 | 5,199 |
| Average equity | $9,350,250 | 4,447 |
| Average total loans | $10,406,500 | 5,347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7381% | 5,424 |
| Cost of funding earning assets | 0.2115% | 4,968 |
| Net interest margin | 2.5266% | 5,327 |
| Noninterest income to average assets | 0.2430% | 4,557 |
| Noninterest expense to average assets | 1.6895% | 5,205 |
| Loan and lease loss provision to assets | 0.0339% | 3,237 |
| Net operating income to assets | 0.7572% | 4,009 |
| Return on assets (ROA) | 0.7572% | 4,008 |
| Pretax return on assets | 0.9493% | 3,810 |
| Return on Equity (ROE) | 2.8758% | 5,043 |
| Retained earnings to average equity (ytd only) | 2.8758% | 4,100 |
| Net charge-offs to loans | 0.0375% | 2,102 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 773 |
| Efficiency ratio | 63.2135% | 3,432 |
| Assets per employee ($millions) | 5.5547% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 5,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 29.3717% | 5,341 |
| Net loans and leases to deposits | 41.1251% | 5,216 |
| Net loans and leases to core deposits | 42.5757% | 5,225 |
| Total domestic deposits to total assets | 71.4204% | 5,215 |
| Equity capital to assets | 28.1565% | 80 |
| Core capital (leverage) ratio | 27.1685% | 90 |
| Tier 1 risk-based capital ratio | 59.2013% | 92 |
| Total risk-based capital ratio | 59.5357% | 94 |
| Memoranda: | ||
| Average total assets | $35,394,670 | 5,296 |
| Average earning assets | $34,038,330 | 5,259 |
| Average equity | $9,319,000 | 4,491 |
| Average total loans | $10,668,670 | 5,398 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7005% | 5,481 |
| Cost of funding earning assets | 0.1945% | 5,043 |
| Net interest margin | 2.5060% | 5,392 |
| Noninterest income to average assets | 0.4612% | 3,049 |
| Noninterest expense to average assets | 1.6690% | 5,272 |
| Loan and lease loss provision to assets | 0.0659% | 2,454 |
| Net operating income to assets | 0.8016% | 3,696 |
| Return on assets (ROA) | 0.8016% | 3,708 |
| Pretax return on assets | 1.1310% | 3,047 |
| Return on Equity (ROE) | 3.1443% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.1443% | 3,946 |
| Net charge-offs to loans | 0.0722% | 1,400 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 898 |
| Efficiency ratio | 58.2375% | 4,311 |
| Assets per employee ($millions) | 6.1610% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5100% | 5,323 |
| Loan loss allowance to noncurrent loans | 20.5426% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 2,235 |
| Noncurrent loans to loans | 2.4827% | 551 |
| Net loans and leases to total assets | 27.9689% | 5,411 |
| Net loans and leases to deposits | 37.6402% | 5,323 |
| Net loans and leases to core deposits | 40.8543% | 5,290 |
| Total domestic deposits to total assets | 74.3061% | 5,122 |
| Equity capital to assets | 25.2205% | 100 |
| Core capital (leverage) ratio | 25.2752% | 104 |
| Tier 1 risk-based capital ratio | 55.4940% | 103 |
| Total risk-based capital ratio | 55.8095% | 105 |
| Memoranda: | ||
| Average total assets | $36,428,000 | 5,336 |
| Average earning assets | $34,956,500 | 5,294 |
| Average equity | $9,286,500 | 4,541 |
| Average total loans | $11,082,000 | 5,450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5707% | 5,534 |
| Cost of funding earning assets | 0.1964% | 4,975 |
| Net interest margin | 2.3743% | 5,478 |
| Noninterest income to average assets | 0.1131% | 5,361 |
| Noninterest expense to average assets | 1.8177% | 5,230 |
| Loan and lease loss provision to assets | 0.0496% | 3,227 |
| Net operating income to assets | 0.4193% | 4,626 |
| Return on assets (ROA) | 0.4193% | 4,653 |
| Pretax return on assets | 0.5461% | 4,850 |
| Return on Equity (ROE) | 1.6469% | 5,125 |
| Retained earnings to average equity (ytd only) | 0.6718% | 4,769 |
| Net charge-offs to loans | 0.3930% | 636 |
| Credit loss provision to net charge-offs | 40.9091% | 3,433 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 3,400 |
| Efficiency ratio | 75.3143% | 1,712 |
| Assets per employee ($millions) | 5.1271% | 2,332 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 5,474 |
| Loan loss allowance to noncurrent loans | 18.7739% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 2,148 |
| Noncurrent loans to loans | 2.2171% | 648 |
| Net loans and leases to total assets | 32.6637% | 5,380 |
| Net loans and leases to deposits | 44.2946% | 5,241 |
| Net loans and leases to core deposits | 47.9370% | 5,192 |
| Total domestic deposits to total assets | 73.7420% | 5,202 |
| Equity capital to assets | 25.7732% | 90 |
| Core capital (leverage) ratio | 25.5264% | 92 |
| Tier 1 risk-based capital ratio | 56.7380% | 94 |
| Total risk-based capital ratio | 57.0386% | 94 |
| Memoranda: | ||
| Average total assets | $36,255,000 | 5,389 |
| Average earning assets | $35,126,800 | 5,347 |
| Average equity | $9,229,600 | 4,575 |
| Average total loans | $11,195,800 | 5,515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5159% | 5,607 |
| Cost of funding earning assets | 0.1918% | 5,042 |
| Net interest margin | 2.3241% | 5,560 |
| Noninterest income to average assets | 0.0477% | 5,615 |
| Noninterest expense to average assets | 1.8452% | 5,212 |
| Loan and lease loss provision to assets | 0.0660% | 2,751 |
| Net operating income to assets | 0.3228% | 5,172 |
| Return on assets (ROA) | 0.3228% | 5,198 |
| Pretax return on assets | 0.4035% | 5,182 |
| Return on Equity (ROE) | 1.2719% | 5,398 |
| Retained earnings to average equity (ytd only) | 1.2719% | 4,894 |
| Net charge-offs to loans | 0.5187% | 395 |
| Credit loss provision to net charge-offs | 41.8605% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.9768% | 3,397 |
| Efficiency ratio | 79.7147% | 1,140 |
| Assets per employee ($millions) | 5.2747% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 5,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 27.3867% | 5,545 |
| Net loans and leases to deposits | 36.8594% | 5,485 |
| Net loans and leases to core deposits | 40.0888% | 5,455 |
| Total domestic deposits to total assets | 74.3006% | 5,207 |
| Equity capital to assets | 25.1226% | 101 |
| Core capital (leverage) ratio | 25.2828% | 95 |
| Tier 1 risk-based capital ratio | 55.8425% | 99 |
| Total risk-based capital ratio | 56.1435% | 101 |
| Memoranda: | ||
| Average total assets | $36,346,250 | 5,450 |
| Average earning assets | $35,454,250 | 5,400 |
| Average equity | $9,224,500 | 4,630 |
| Average total loans | $11,051,750 | 5,578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5262% | 5,651 |
| Cost of funding earning assets | 0.1930% | 5,046 |
| Net interest margin | 2.3332% | 5,596 |
| Noninterest income to average assets | 0.0277% | 5,689 |
| Noninterest expense to average assets | 1.9140% | 5,164 |
| Loan and lease loss provision to assets | 0.0996% | 2,025 |
| Net operating income to assets | 0.2489% | 5,325 |
| Return on assets (ROA) | 0.2489% | 5,339 |
| Pretax return on assets | 0.2877% | 5,350 |
| Return on Equity (ROE) | 0.9775% | 5,476 |
| Retained earnings to average equity (ytd only) | 0.9775% | 4,843 |
| Net charge-offs to loans | 0.2467% | 829 |
| Credit loss provision to net charge-offs | 128.5714% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,867 |
| Efficiency ratio | 83.1731% | 909 |
| Assets per employee ($millions) | 5.0293% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 5,124 |
| Loan loss allowance to noncurrent loans | 40.3061% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,904 |
| Noncurrent loans to loans | 1.8222% | 984 |
| Net loans and leases to total assets | 30.3281% | 5,532 |
| Net loans and leases to deposits | 41.4142% | 5,409 |
| Net loans and leases to core deposits | 45.2972% | 5,357 |
| Total domestic deposits to total assets | 73.2311% | 5,366 |
| Equity capital to assets | 26.2264% | 87 |
| Core capital (leverage) ratio | 25.7495% | 90 |
| Tier 1 risk-based capital ratio | 54.7985% | 98 |
| Total risk-based capital ratio | 55.2674% | 101 |
| Memoranda: | ||
| Average total assets | $36,154,000 | 5,502 |
| Average earning assets | $35,231,000 | 5,451 |
| Average equity | $9,207,330 | 4,650 |
| Average total loans | $11,348,330 | 5,623 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 5,727 |
| Cost of funding earning assets | 0.1796% | 5,155 |
| Net interest margin | 2.3010% | 5,663 |
| Noninterest income to average assets | 0.0218% | 5,777 |
| Noninterest expense to average assets | 2.0312% | 4,976 |
| Loan and lease loss provision to assets | 0.0437% | 2,923 |
| Net operating income to assets | 0.1420% | 5,465 |
| Return on assets (ROA) | 0.1420% | 5,474 |
| Pretax return on assets | 0.1856% | 5,451 |
| Return on Equity (ROE) | 0.5656% | 5,558 |
| Retained earnings to average equity (ytd only) | 0.5656% | 4,787 |
| Net charge-offs to loans | 0.4466% | 410 |
| Credit loss provision to net charge-offs | 30.7692% | 2,110 |
| Earnings coverage of net charge-offs (x) | 1.6154% | 2,707 |
| Efficiency ratio | 89.8551% | 566 |
| Assets per employee ($millions) | 5.2350% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5917% | 5,492 |
| Loan loss allowance to noncurrent loans | 33.8462% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 3,103 |
| Noncurrent loans to loans | 1.7481% | 1,090 |
| Net loans and leases to total assets | 30.2606% | 5,582 |
| Net loans and leases to deposits | 40.7639% | 5,447 |
| Net loans and leases to core deposits | 43.2522% | 5,435 |
| Total domestic deposits to total assets | 74.2339% | 5,400 |
| Equity capital to assets | 25.1085% | 102 |
| Core capital (leverage) ratio | 24.5747% | 103 |
| Tier 1 risk-based capital ratio | 53.3546% | 110 |
| Total risk-based capital ratio | 53.7373% | 112 |
| Memoranda: | ||
| Average total assets | $36,628,500 | 5,552 |
| Average earning assets | $35,636,000 | 5,500 |
| Average equity | $9,194,500 | 4,679 |
| Average total loans | $11,644,500 | 5,678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6132% | 5,722 |
| Cost of funding earning assets | 0.1995% | 5,014 |
| Net interest margin | 2.4137% | 5,638 |
| Noninterest income to average assets | 0.0790% | 5,698 |
| Noninterest expense to average assets | 1.7459% | 5,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5012% | 4,633 |
| Return on assets (ROA) | 0.5012% | 4,704 |
| Pretax return on assets | 0.6728% | 4,574 |
| Return on Equity (ROE) | 2.0084% | 5,406 |
| Retained earnings to average equity (ytd only) | 1.0260% | 4,915 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1847% | 2,564 |
| Assets per employee ($millions) | 5.2303% | 2,135 |
| Cash dividends to net income (ytd only)* | 48.9130% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6181% | 5,499 |
| Loan loss allowance to noncurrent loans | 35.2113% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 2,990 |
| Noncurrent loans to loans | 1.7554% | 1,090 |
| Net loans and leases to total assets | 32.9373% | 5,575 |
| Net loans and leases to deposits | 44.3590% | 5,419 |
| Net loans and leases to core deposits | 47.0687% | 5,400 |
| Total domestic deposits to total assets | 74.2516% | 5,422 |
| Equity capital to assets | 25.0956% | 101 |
| Core capital (leverage) ratio | 24.9207% | 102 |
| Tier 1 risk-based capital ratio | 47.1954% | 154 |
| Total risk-based capital ratio | 47.5806% | 162 |
| Memoranda: | ||
| Average total assets | $36,714,800 | 5,603 |
| Average earning assets | $35,588,400 | 5,551 |
| Average equity | $9,161,600 | 4,725 |
| Average total loans | $12,017,000 | 5,730 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6362% | 5,785 |
| Cost of funding earning assets | 0.2025% | 5,045 |
| Net interest margin | 2.4337% | 5,695 |
| Noninterest income to average assets | 0.0726% | 5,780 |
| Noninterest expense to average assets | 1.7927% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4718% | 4,799 |
| Return on assets (ROA) | 0.4718% | 4,877 |
| Pretax return on assets | 0.6351% | 4,776 |
| Return on Equity (ROE) | 1.8933% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.8933% | 4,737 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8416% | 2,313 |
| Assets per employee ($millions) | 5.2764% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 5,561 |
| Loan loss allowance to noncurrent loans | 9.2251% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 665 |
| Noncurrent loans to loans | 6.8619% | 87 |
| Net loans and leases to total assets | 31.8749% | 5,683 |
| Net loans and leases to deposits | 42.9092% | 5,550 |
| Net loans and leases to core deposits | 46.2194% | 5,505 |
| Total domestic deposits to total assets | 74.2846% | 5,406 |
| Equity capital to assets | 24.9736% | 107 |
| Core capital (leverage) ratio | 25.3462% | 93 |
| Tier 1 risk-based capital ratio | 46.9343% | 161 |
| Total risk-based capital ratio | 47.3159% | 165 |
| Memoranda: | ||
| Average total assets | $36,740,500 | 5,658 |
| Average earning assets | $35,555,000 | 5,610 |
| Average equity | $9,155,000 | 4,776 |
| Average total loans | $11,987,750 | 5,791 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6441% | 5,859 |
| Cost of funding earning assets | 0.2082% | 5,065 |
| Net interest margin | 2.4359% | 5,778 |
| Noninterest income to average assets | 0.0545% | 5,908 |
| Noninterest expense to average assets | 1.8268% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4363% | 4,918 |
| Return on assets (ROA) | 0.4363% | 5,004 |
| Pretax return on assets | 0.5889% | 4,911 |
| Return on Equity (ROE) | 1.7521% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.7521% | 4,685 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6208% | 2,127 |
| Assets per employee ($millions) | 5.1681% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 5,618 |
| Loan loss allowance to noncurrent loans | 9.3750% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 696 |
| Noncurrent loans to loans | 6.9114% | 88 |
| Net loans and leases to total assets | 31.7882% | 5,747 |
| Net loans and leases to deposits | 42.9762% | 5,593 |
| Net loans and leases to core deposits | 46.3822% | 5,551 |
| Total domestic deposits to total assets | 73.9669% | 5,523 |
| Equity capital to assets | 25.3587% | 93 |
| Core capital (leverage) ratio | 25.1549% | 92 |
| Tier 1 risk-based capital ratio | 47.9260% | 152 |
| Total risk-based capital ratio | 48.3178% | 156 |
| Memoranda: | ||
| Average total assets | $36,675,670 | 5,727 |
| Average earning assets | $35,551,000 | 5,674 |
| Average equity | $9,132,000 | 4,815 |
| Average total loans | $12,034,330 | 5,862 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6813% | 5,913 |
| Cost of funding earning assets | 0.2132% | 5,075 |
| Net interest margin | 2.4681% | 5,832 |
| Noninterest income to average assets | 0.0542% | 5,956 |
| Noninterest expense to average assets | 1.9282% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3683% | 5,086 |
| Return on assets (ROA) | 0.3683% | 5,163 |
| Pretax return on assets | 0.5091% | 5,060 |
| Return on Equity (ROE) | 1.4927% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.4927% | 4,674 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1111% | 1,731 |
| Assets per employee ($millions) | 5.2204% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 5,727 |
| Loan loss allowance to noncurrent loans | 9.3750% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1892% | 756 |
| Noncurrent loans to loans | 6.5381% | 119 |
| Net loans and leases to total assets | 33.2786% | 5,740 |
| Net loans and leases to deposits | 45.6803% | 5,522 |
| Net loans and leases to core deposits | 49.7525% | 5,448 |
| Total domestic deposits to total assets | 72.8512% | 5,719 |
| Equity capital to assets | 24.9788% | 93 |
| Core capital (leverage) ratio | 24.7244% | 96 |
| Tier 1 risk-based capital ratio | 46.1453% | 161 |
| Total risk-based capital ratio | 46.5244% | 168 |
| Memoranda: | ||
| Average total assets | $36,925,000 | 5,777 |
| Average earning assets | $35,655,000 | 5,727 |
| Average equity | $9,111,000 | 4,840 |
| Average total loans | $12,264,000 | 5,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5412% | 5,984 |
| Cost of funding earning assets | 0.2124% | 5,172 |
| Net interest margin | 2.3288% | 5,933 |
| Noninterest income to average assets | 0.0746% | 5,935 |
| Noninterest expense to average assets | 1.5208% | 5,969 |
| Loan and lease loss provision to assets | 0.0206% | 3,985 |
| Net operating income to assets | 0.5893% | 4,330 |
| Return on assets (ROA) | 0.5893% | 4,426 |
| Pretax return on assets | 0.7900% | 4,223 |
| Return on Equity (ROE) | 2.5303% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.5469% | 4,838 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2318% | 4,040 |
| Assets per employee ($millions) | 5.3296% | 1,972 |
| Cash dividends to net income (ytd only)* | 38.8646% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 5,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 32.7472% | 5,813 |
| Net loans and leases to deposits | 44.1031% | 5,650 |
| Net loans and leases to core deposits | 47.8685% | 5,570 |
| Total domestic deposits to total assets | 74.2515% | 5,622 |
| Equity capital to assets | 24.3761% | 104 |
| Core capital (leverage) ratio | 23.9366% | 103 |
| Tier 1 risk-based capital ratio | 46.1367% | 154 |
| Total risk-based capital ratio | 46.5172% | 162 |
| Memoranda: | ||
| Average total assets | $38,861,600 | 5,788 |
| Average earning assets | $37,659,000 | 5,739 |
| Average equity | $9,050,400 | 4,838 |
| Average total loans | $11,006,600 | 5,995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5166% | 6,086 |
| Cost of funding earning assets | 0.2132% | 5,254 |
| Net interest margin | 2.3034% | 6,032 |
| Noninterest income to average assets | 0.0679% | 6,051 |
| Noninterest expense to average assets | 1.5082% | 6,044 |
| Loan and lease loss provision to assets | 0.0272% | 3,715 |
| Net operating income to assets | 0.5775% | 4,491 |
| Return on assets (ROA) | 0.5775% | 4,582 |
| Pretax return on assets | 0.7711% | 4,422 |
| Return on Equity (ROE) | 2.5074% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.5074% | 4,623 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3903% | 3,991 |
| Assets per employee ($millions) | 5.4483% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 5,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 26.7974% | 6,050 |
| Net loans and leases to deposits | 35.4997% | 5,989 |
| Net loans and leases to core deposits | 38.4066% | 5,961 |
| Total domestic deposits to total assets | 75.4864% | 5,573 |
| Equity capital to assets | 23.9236% | 116 |
| Core capital (leverage) ratio | 23.7864% | 109 |
| Tier 1 risk-based capital ratio | 48.9669% | 144 |
| Total risk-based capital ratio | 49.3694% | 153 |
| Memoranda: | ||
| Average total assets | $39,250,250 | 5,858 |
| Average earning assets | $38,145,250 | 5,803 |
| Average equity | $9,039,500 | 4,896 |
| Average total loans | $10,685,250 | 6,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5439% | 6,142 |
| Cost of funding earning assets | 0.2185% | 5,271 |
| Net interest margin | 2.3254% | 6,085 |
| Noninterest income to average assets | 0.0555% | 6,154 |
| Noninterest expense to average assets | 1.4942% | 6,116 |
| Loan and lease loss provision to assets | 0.0252% | 3,629 |
| Net operating income to assets | 0.5906% | 4,391 |
| Return on assets (ROA) | 0.5906% | 4,482 |
| Pretax return on assets | 0.7925% | 4,340 |
| Return on Equity (ROE) | 2.5967% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.5967% | 4,406 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6288% | 4,253 |
| Assets per employee ($millions) | 5.3974% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 5,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 27.3490% | 6,107 |
| Net loans and leases to deposits | 36.2345% | 6,029 |
| Net loans and leases to core deposits | 39.6828% | 5,965 |
| Total domestic deposits to total assets | 75.4777% | 5,655 |
| Equity capital to assets | 24.0088% | 109 |
| Core capital (leverage) ratio | 23.2942% | 114 |
| Tier 1 risk-based capital ratio | 48.7400% | 159 |
| Total risk-based capital ratio | 49.1269% | 164 |
| Memoranda: | ||
| Average total assets | $39,621,000 | 5,907 |
| Average earning assets | $38,444,670 | 5,852 |
| Average equity | $9,011,330 | 4,941 |
| Average total loans | $10,815,330 | 6,144 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5422% | 6,207 |
| Cost of funding earning assets | 0.2246% | 5,275 |
| Net interest margin | 2.3176% | 6,154 |
| Noninterest income to average assets | 0.0395% | 6,256 |
| Noninterest expense to average assets | 1.5491% | 6,145 |
| Loan and lease loss provision to assets | 0.0099% | 3,593 |
| Net operating income to assets | 0.5427% | 4,501 |
| Return on assets (ROA) | 0.5427% | 4,615 |
| Pretax return on assets | 0.7203% | 4,536 |
| Return on Equity (ROE) | 2.4495% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.4495% | 4,468 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9654% | 3,832 |
| Assets per employee ($millions) | 5.6847% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 6,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 26.8992% | 6,171 |
| Net loans and leases to deposits | 35.4884% | 6,073 |
| Net loans and leases to core deposits | 38.6663% | 6,019 |
| Total domestic deposits to total assets | 75.7973% | 5,760 |
| Equity capital to assets | 22.6397% | 137 |
| Core capital (leverage) ratio | 22.4389% | 125 |
| Tier 1 risk-based capital ratio | 46.5245% | 176 |
| Total risk-based capital ratio | 46.8756% | 181 |
| Memoranda: | ||
| Average total assets | $40,540,500 | 5,951 |
| Average earning assets | $39,178,000 | 5,891 |
| Average equity | $8,981,500 | 4,994 |
| Average total loans | $11,020,500 | 6,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4783% | 6,333 |
| Cost of funding earning assets | 0.2511% | 5,311 |
| Net interest margin | 2.2272% | 6,301 |
| Noninterest income to average assets | 0.0822% | 6,214 |
| Noninterest expense to average assets | 1.3580% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6711% | 4,032 |
| Return on assets (ROA) | 0.6621% | 4,178 |
| Pretax return on assets | 0.8771% | 3,974 |
| Return on Equity (ROE) | 3.0856% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.0721% | 4,744 |
| Net charge-offs to loans | 0.0212% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 293 |
| Efficiency ratio | 60.4301% | 5,158 |
| Assets per employee ($millions) | 5.8983% | 1,450 |
| Cash dividends to net income (ytd only)* | 32.8467% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 6,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 27.1314% | 6,257 |
| Net loans and leases to deposits | 38.1722% | 6,095 |
| Net loans and leases to core deposits | 41.6927% | 6,053 |
| Total domestic deposits to total assets | 71.0763% | 6,138 |
| Equity capital to assets | 21.6867% | 165 |
| Core capital (leverage) ratio | 21.3516% | 158 |
| Tier 1 risk-based capital ratio | 44.4323% | 184 |
| Total risk-based capital ratio | 44.7648% | 191 |
| Memoranda: | ||
| Average total assets | $41,385,400 | 6,002 |
| Average earning assets | $40,229,600 | 5,914 |
| Average equity | $8,880,000 | 5,003 |
| Average total loans | $9,448,200 | 6,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4054% | 6,435 |
| Cost of funding earning assets | 0.2448% | 5,457 |
| Net interest margin | 2.1606% | 6,407 |
| Noninterest income to average assets | 0.0676% | 6,335 |
| Noninterest expense to average assets | 1.3587% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6150% | 4,376 |
| Return on assets (ROA) | 0.6150% | 4,468 |
| Pretax return on assets | 0.8114% | 4,326 |
| Return on Equity (ROE) | 2.8738% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.8738% | 4,554 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6113% | 4,795 |
| Assets per employee ($millions) | 5.9634% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 5,994 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,201 |
| Noncurrent loans to loans | 0.0109% | 5,992 |
| Net loans and leases to total assets | 21.8666% | 6,423 |
| Net loans and leases to deposits | 28.0284% | 6,394 |
| Net loans and leases to core deposits | 30.3367% | 6,382 |
| Total domestic deposits to total assets | 78.0160% | 5,529 |
| Equity capital to assets | 21.4666% | 170 |
| Core capital (leverage) ratio | 21.0768% | 169 |
| Tier 1 risk-based capital ratio | 47.3626% | 151 |
| Total risk-based capital ratio | 47.7273% | 160 |
| Memoranda: | ||
| Average total assets | $41,409,750 | 6,074 |
| Average earning assets | $40,296,500 | 5,984 |
| Average equity | $8,861,500 | 5,048 |
| Average total loans | $8,993,000 | 6,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3956% | 6,507 |
| Cost of funding earning assets | 0.2495% | 5,492 |
| Net interest margin | 2.1461% | 6,477 |
| Noninterest income to average assets | 0.0581% | 6,420 |
| Noninterest expense to average assets | 1.3996% | 6,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5763% | 4,477 |
| Return on assets (ROA) | 0.5763% | 4,581 |
| Pretax return on assets | 0.7410% | 4,493 |
| Return on Equity (ROE) | 2.6959% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.6959% | 4,488 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3846% | 4,462 |
| Assets per employee ($millions) | 6.0914% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 5,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.5380% | 6,517 |
| Net loans and leases to deposits | 24.7917% | 6,505 |
| Net loans and leases to core deposits | 26.8076% | 6,484 |
| Total domestic deposits to total assets | 78.8086% | 5,498 |
| Equity capital to assets | 20.8466% | 180 |
| Core capital (leverage) ratio | 20.6856% | 178 |
| Tier 1 risk-based capital ratio | 48.2626% | 144 |
| Total risk-based capital ratio | 48.6372% | 147 |
| Memoranda: | ||
| Average total assets | $41,298,330 | 6,133 |
| Average earning assets | $40,072,670 | 6,041 |
| Average equity | $8,828,330 | 5,077 |
| Average total loans | $8,925,000 | 6,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4606% | 6,557 |
| Cost of funding earning assets | 0.2552% | 5,537 |
| Net interest margin | 2.2053% | 6,520 |
| Noninterest income to average assets | 0.0295% | 6,540 |
| Noninterest expense to average assets | 1.4276% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5514% | 4,454 |
| Return on assets (ROA) | 0.5514% | 4,528 |
| Pretax return on assets | 0.7286% | 4,392 |
| Return on Equity (ROE) | 2.5460% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.5460% | 4,541 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2100% | 4,497 |
| Assets per employee ($millions) | 5.9117% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7589% | 6,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 21.8042% | 6,543 |
| Net loans and leases to deposits | 27.8350% | 6,513 |
| Net loans and leases to core deposits | 28.8266% | 6,514 |
| Total domestic deposits to total assets | 78.3336% | 5,778 |
| Equity capital to assets | 21.3281% | 160 |
| Core capital (leverage) ratio | 21.3818% | 149 |
| Tier 1 risk-based capital ratio | 47.0695% | 154 |
| Total risk-based capital ratio | 47.4375% | 160 |
| Memoranda: | ||
| Average total assets | $40,627,500 | 6,218 |
| Average earning assets | $39,178,000 | 6,123 |
| Average equity | $8,798,000 | 5,106 |
| Average total loans | $9,187,500 | 6,545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4958% | 6,616 |
| Cost of funding earning assets | 0.3089% | 5,528 |
| Net interest margin | 2.1870% | 6,585 |
| Noninterest income to average assets | 0.1068% | 6,366 |
| Noninterest expense to average assets | 1.3575% | 6,649 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6886% | 3,849 |
| Return on assets (ROA) | 0.6848% | 3,963 |
| Pretax return on assets | 0.8766% | 3,863 |
| Return on Equity (ROE) | 3.2418% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.2072% | 4,677 |
| Net charge-offs to loans | 0.0123% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 363.0000% | 121 |
| Efficiency ratio | 60.6291% | 5,396 |
| Assets per employee ($millions) | 5.6961% | 1,478 |
| Cash dividends to net income (ytd only)* | 31.9149% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 6,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 23.1084% | 6,619 |
| Net loans and leases to deposits | 31.6252% | 6,549 |
| Net loans and leases to core deposits | 32.8837% | 6,535 |
| Total domestic deposits to total assets | 73.0695% | 6,351 |
| Equity capital to assets | 21.9948% | 143 |
| Core capital (leverage) ratio | 21.8127% | 140 |
| Tier 1 risk-based capital ratio | 46.0488% | 159 |
| Total risk-based capital ratio | 46.4111% | 166 |
| Memoranda: | ||
| Average total assets | $41,179,600 | 6,256 |
| Average earning assets | $40,147,000 | 6,166 |
| Average equity | $8,698,800 | 5,163 |
| Average total loans | $8,153,800 | 6,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4650% | 6,706 |
| Cost of funding earning assets | 0.3184% | 5,568 |
| Net interest margin | 2.1466% | 6,677 |
| Noninterest income to average assets | 0.1124% | 6,441 |
| Noninterest expense to average assets | 1.3170% | 6,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6827% | 3,938 |
| Return on assets (ROA) | 0.6778% | 4,113 |
| Pretax return on assets | 0.8898% | 3,928 |
| Return on Equity (ROE) | 3.2408% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.2408% | 4,370 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5065% | 5,495 |
| Assets per employee ($millions) | 5.8083% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,836 |
| Loan loss allowance to noncurrent loans | 700.0000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,408 |
| Noncurrent loans to loans | 0.1387% | 5,911 |
| Net loans and leases to total assets | 17.5587% | 6,777 |
| Net loans and leases to deposits | 23.1680% | 6,767 |
| Net loans and leases to core deposits | 24.0378% | 6,761 |
| Total domestic deposits to total assets | 75.7883% | 6,195 |
| Equity capital to assets | 21.6169% | 155 |
| Core capital (leverage) ratio | 21.1041% | 156 |
| Tier 1 risk-based capital ratio | 49.3931% | 140 |
| Total risk-based capital ratio | 49.7864% | 143 |
| Memoranda: | ||
| Average total assets | $41,506,250 | 6,311 |
| Average earning assets | $40,621,750 | 6,220 |
| Average equity | $8,681,000 | 5,221 |
| Average total loans | $7,871,500 | 6,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4777% | 6,741 |
| Cost of funding earning assets | 0.3281% | 5,584 |
| Net interest margin | 2.1496% | 6,711 |
| Noninterest income to average assets | 0.1292% | 6,411 |
| Noninterest expense to average assets | 1.3544% | 6,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6823% | 3,893 |
| Return on assets (ROA) | 0.6748% | 4,092 |
| Pretax return on assets | 0.8663% | 4,035 |
| Return on Equity (ROE) | 3.2620% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.2620% | 4,227 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7296% | 5,376 |
| Assets per employee ($millions) | 5.9583% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 5,808 |
| Loan loss allowance to noncurrent loans | 700.0000% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 6,466 |
| Noncurrent loans to loans | 0.1433% | 5,967 |
| Net loans and leases to total assets | 16.5628% | 6,832 |
| Net loans and leases to deposits | 21.1080% | 6,830 |
| Net loans and leases to core deposits | 22.1368% | 6,822 |
| Total domestic deposits to total assets | 78.4670% | 5,883 |
| Equity capital to assets | 20.9049% | 169 |
| Core capital (leverage) ratio | 20.9591% | 147 |
| Tier 1 risk-based capital ratio | 49.9027% | 127 |
| Total risk-based capital ratio | 50.3033% | 132 |
| Memoranda: | ||
| Average total assets | $41,789,000 | 6,350 |
| Average earning assets | $40,844,000 | 6,262 |
| Average equity | $8,645,000 | 5,266 |
| Average total loans | $8,092,330 | 6,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5368% | 6,801 |
| Cost of funding earning assets | 0.3526% | 5,510 |
| Net interest margin | 2.1842% | 6,766 |
| Noninterest income to average assets | 0.0478% | 6,741 |
| Noninterest expense to average assets | 1.3866% | 6,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5879% | 4,280 |
| Return on assets (ROA) | 0.5738% | 4,488 |
| Pretax return on assets | 0.7746% | 4,277 |
| Return on Equity (ROE) | 2.7881% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.7881% | 4,614 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5965% | 5,067 |
| Assets per employee ($millions) | 5.9924% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 18.7284% | 6,880 |
| Net loans and leases to deposits | 23.7593% | 6,862 |
| Net loans and leases to core deposits | 25.2248% | 6,852 |
| Total domestic deposits to total assets | 78.8257% | 5,991 |
| Equity capital to assets | 20.5927% | 196 |
| Core capital (leverage) ratio | 21.0847% | 155 |
| Tier 1 risk-based capital ratio | 47.5033% | 146 |
| Total risk-based capital ratio | 47.8883% | 153 |
| Memoranda: | ||
| Average total assets | $41,829,500 | 6,408 |
| Average earning assets | $40,839,000 | 6,313 |
| Average equity | $8,608,000 | 5,328 |
| Average total loans | $8,649,500 | 6,828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6519% | 6,891 |
| Cost of funding earning assets | 0.4656% | 5,453 |
| Net interest margin | 2.1864% | 6,883 |
| Noninterest income to average assets | 0.0749% | 6,602 |
| Noninterest expense to average assets | 1.3961% | 6,912 |
| Loan and lease loss provision to assets | 0.0150% | 5,719 |
| Net operating income to assets | 0.6166% | 4,162 |
| Return on assets (ROA) | 0.6069% | 4,474 |
| Pretax return on assets | 0.7742% | 4,391 |
| Return on Equity (ROE) | 2.8516% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.8189% | 4,943 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5227% | 4,977 |
| Assets per employee ($millions) | 5.9589% | 1,306 |
| Cash dividends to net income (ytd only)* | 36.2140% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7468% | 6,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 22.3029% | 6,891 |
| Net loans and leases to deposits | 30.8639% | 6,809 |
| Net loans and leases to core deposits | 32.9636% | 6,788 |
| Total domestic deposits to total assets | 72.2622% | 6,679 |
| Equity capital to assets | 20.5648% | 203 |
| Core capital (leverage) ratio | 20.9153% | 167 |
| Tier 1 risk-based capital ratio | 46.3325% | 160 |
| Total risk-based capital ratio | 46.7106% | 168 |
| Memoranda: | ||
| Average total assets | $40,039,400 | 6,500 |
| Average earning assets | $38,877,400 | 6,402 |
| Average equity | $8,521,400 | 5,359 |
| Average total loans | $6,813,600 | 6,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6340% | 7,019 |
| Cost of funding earning assets | 0.4893% | 5,510 |
| Net interest margin | 2.1447% | 7,000 |
| Noninterest income to average assets | 0.0639% | 6,752 |
| Noninterest expense to average assets | 1.4033% | 6,992 |
| Loan and lease loss provision to assets | 0.0168% | 5,596 |
| Net operating income to assets | 0.5822% | 4,469 |
| Return on assets (ROA) | 0.5822% | 4,744 |
| Pretax return on assets | 0.7235% | 4,781 |
| Return on Equity (ROE) | 2.7113% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.7113% | 4,925 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4631% | 4,545 |
| Assets per employee ($millions) | 6.7647% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 15.8027% | 7,070 |
| Net loans and leases to deposits | 21.0675% | 7,067 |
| Net loans and leases to core deposits | 22.4258% | 7,061 |
| Total domestic deposits to total assets | 75.0099% | 6,520 |
| Equity capital to assets | 21.1787% | 196 |
| Core capital (leverage) ratio | 21.8300% | 145 |
| Tier 1 risk-based capital ratio | 51.9082% | 131 |
| Total risk-based capital ratio | 52.3249% | 131 |
| Memoranda: | ||
| Average total assets | $39,621,250 | 6,596 |
| Average earning assets | $38,419,000 | 6,490 |
| Average equity | $8,507,250 | 5,413 |
| Average total loans | $6,173,750 | 7,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 7,078 |
| Cost of funding earning assets | 0.5110% | 5,547 |
| Net interest margin | 2.1861% | 7,047 |
| Noninterest income to average assets | 0.0509% | 6,853 |
| Noninterest expense to average assets | 1.4453% | 7,033 |
| Loan and lease loss provision to assets | 0.0153% | 5,468 |
| Net operating income to assets | 0.5649% | 4,515 |
| Return on assets (ROA) | 0.5649% | 4,799 |
| Pretax return on assets | 0.7023% | 4,825 |
| Return on Equity (ROE) | 2.6186% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.6186% | 4,872 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8235% | 4,351 |
| Assets per employee ($millions) | 6.5042% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 12.7175% | 7,164 |
| Net loans and leases to deposits | 16.8203% | 7,159 |
| Net loans and leases to core deposits | 18.3394% | 7,150 |
| Total domestic deposits to total assets | 75.6079% | 6,516 |
| Equity capital to assets | 21.8680% | 163 |
| Core capital (leverage) ratio | 21.6155% | 146 |
| Tier 1 risk-based capital ratio | 57.5766% | 100 |
| Total risk-based capital ratio | 58.0286% | 103 |
| Memoranda: | ||
| Average total assets | $39,299,000 | 6,656 |
| Average earning assets | $37,968,000 | 6,556 |
| Average equity | $8,477,670 | 5,426 |
| Average total loans | $6,070,670 | 7,128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7530% | 7,128 |
| Cost of funding earning assets | 0.5234% | 5,656 |
| Net interest margin | 2.2296% | 7,085 |
| Noninterest income to average assets | 0.0507% | 6,927 |
| Noninterest expense to average assets | 1.5012% | 7,061 |
| Loan and lease loss provision to assets | 0.0203% | 5,085 |
| Net operating income to assets | 0.5376% | 4,662 |
| Return on assets (ROA) | 0.5376% | 4,869 |
| Pretax return on assets | 0.6897% | 4,825 |
| Return on Equity (ROE) | 2.5090% | 5,901 |
| Retained earnings to average equity (ytd only) | 2.5090% | 5,003 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8899% | 4,196 |
| Assets per employee ($millions) | 6.7705% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 13.3644% | 7,216 |
| Net loans and leases to deposits | 17.0049% | 7,218 |
| Net loans and leases to core deposits | 18.3456% | 7,209 |
| Total domestic deposits to total assets | 78.5909% | 6,166 |
| Equity capital to assets | 20.8650% | 192 |
| Core capital (leverage) ratio | 21.5872% | 142 |
| Tier 1 risk-based capital ratio | 54.6345% | 111 |
| Total risk-based capital ratio | 55.0599% | 112 |
| Memoranda: | ||
| Average total assets | $39,436,000 | 6,703 |
| Average earning assets | $38,212,500 | 6,593 |
| Average equity | $8,449,500 | 5,451 |
| Average total loans | $6,591,000 | 7,178 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0578% | 7,164 |
| Cost of funding earning assets | 0.6798% | 5,662 |
| Net interest margin | 2.3780% | 7,112 |
| Noninterest income to average assets | 0.0887% | 6,686 |
| Noninterest expense to average assets | 1.5516% | 7,140 |
| Loan and lease loss provision to assets | 0.0166% | 6,354 |
| Net operating income to assets | 0.6661% | 3,656 |
| Return on assets (ROA) | 0.6927% | 3,711 |
| Pretax return on assets | 0.8700% | 3,709 |
| Return on Equity (ROE) | 2.9913% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.9503% | 4,819 |
| Net charge-offs to loans | 0.0612% | 5,685 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 384 |
| Efficiency ratio | 64.5161% | 5,037 |
| Assets per employee ($millions) | 6.3748% | 1,019 |
| Cash dividends to net income (ytd only)* | 34.8000% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 6,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 19.9299% | 7,205 |
| Net loans and leases to deposits | 28.3879% | 7,165 |
| Net loans and leases to core deposits | 30.1054% | 7,153 |
| Total domestic deposits to total assets | 70.2058% | 6,976 |
| Equity capital to assets | 22.0215% | 152 |
| Core capital (leverage) ratio | 22.6821% | 128 |
| Tier 1 risk-based capital ratio | 51.0918% | 127 |
| Total risk-based capital ratio | 51.4800% | 132 |
| Memoranda: | ||
| Average total assets | $36,091,600 | 6,794 |
| Average earning assets | $35,155,600 | 6,707 |
| Average equity | $8,357,600 | 5,460 |
| Average total loans | $6,533,600 | 7,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 7,254 |
| Cost of funding earning assets | 0.7073% | 5,711 |
| Net interest margin | 2.3332% | 7,205 |
| Noninterest income to average assets | 0.0750% | 6,865 |
| Noninterest expense to average assets | 1.5826% | 7,181 |
| Loan and lease loss provision to assets | 0.0188% | 6,204 |
| Net operating income to assets | 0.6023% | 4,076 |
| Return on assets (ROA) | 0.6563% | 4,011 |
| Pretax return on assets | 0.8176% | 4,060 |
| Return on Equity (ROE) | 2.7973% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.7973% | 4,682 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3046% | 4,463 |
| Assets per employee ($millions) | 6.0817% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 15.6673% | 7,335 |
| Net loans and leases to deposits | 20.5588% | 7,325 |
| Net loans and leases to core deposits | 21.9227% | 7,312 |
| Total domestic deposits to total assets | 76.2072% | 6,506 |
| Equity capital to assets | 23.1159% | 142 |
| Core capital (leverage) ratio | 23.1744% | 132 |
| Tier 1 risk-based capital ratio | 55.2789% | 125 |
| Total risk-based capital ratio | 55.7179% | 125 |
| Memoranda: | ||
| Average total assets | $35,552,250 | 6,872 |
| Average earning assets | $34,686,500 | 6,789 |
| Average equity | $8,341,250 | 5,494 |
| Average total loans | $6,245,250 | 7,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0973% | 7,314 |
| Cost of funding earning assets | 0.7277% | 5,790 |
| Net interest margin | 2.3695% | 7,249 |
| Noninterest income to average assets | 0.0511% | 7,040 |
| Noninterest expense to average assets | 1.6345% | 7,233 |
| Loan and lease loss provision to assets | 0.0170% | 6,069 |
| Net operating income to assets | 0.5687% | 4,216 |
| Return on assets (ROA) | 0.5732% | 4,321 |
| Pretax return on assets | 0.7151% | 4,335 |
| Return on Equity (ROE) | 2.4308% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.4308% | 4,742 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,282 |
| Assets per employee ($millions) | 5.9967% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 15.8449% | 7,408 |
| Net loans and leases to deposits | 20.9012% | 7,400 |
| Net loans and leases to core deposits | 22.3166% | 7,393 |
| Total domestic deposits to total assets | 75.8088% | 6,628 |
| Equity capital to assets | 23.2407% | 148 |
| Core capital (leverage) ratio | 22.9247% | 141 |
| Tier 1 risk-based capital ratio | 56.8109% | 120 |
| Total risk-based capital ratio | 57.2525% | 121 |
| Memoranda: | ||
| Average total assets | $35,239,670 | 6,945 |
| Average earning assets | $34,352,670 | 6,855 |
| Average equity | $8,310,000 | 5,515 |
| Average total loans | $6,399,000 | 7,373 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 7,340 |
| Cost of funding earning assets | 0.7671% | 5,771 |
| Net interest margin | 2.4311% | 7,240 |
| Noninterest income to average assets | 0.0574% | 7,105 |
| Noninterest expense to average assets | 1.6978% | 7,233 |
| Loan and lease loss provision to assets | 0.0229% | 5,673 |
| Net operating income to assets | 0.5506% | 4,268 |
| Return on assets (ROA) | 0.5506% | 4,351 |
| Pretax return on assets | 0.6998% | 4,304 |
| Return on Equity (ROE) | 2.3177% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.3177% | 4,760 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1422% | 4,231 |
| Assets per employee ($millions) | 5.0347% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 6,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 17.2403% | 7,458 |
| Net loans and leases to deposits | 22.7523% | 7,446 |
| Net loans and leases to core deposits | 24.5000% | 7,435 |
| Total domestic deposits to total assets | 75.7739% | 6,700 |
| Equity capital to assets | 23.5735% | 135 |
| Core capital (leverage) ratio | 23.0900% | 137 |
| Tier 1 risk-based capital ratio | 55.7996% | 124 |
| Total risk-based capital ratio | 56.2294% | 127 |
| Memoranda: | ||
| Average total assets | $34,869,500 | 7,013 |
| Average earning assets | $33,893,500 | 6,927 |
| Average equity | $8,284,000 | 5,528 |
| Average total loans | $6,715,500 | 7,423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3674% | 7,422 |
| Cost of funding earning assets | 0.9966% | 5,715 |
| Net interest margin | 2.3708% | 7,334 |
| Noninterest income to average assets | 0.1029% | 6,882 |
| Noninterest expense to average assets | 1.9175% | 7,131 |
| Loan and lease loss provision to assets | 0.0265% | 6,858 |
| Net operating income to assets | 0.4346% | 4,391 |
| Return on assets (ROA) | 0.4264% | 4,569 |
| Pretax return on assets | 0.4588% | 4,767 |
| Return on Equity (ROE) | 1.7567% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.7269% | 5,195 |
| Net charge-offs to loans | 0.1068% | 5,807 |
| Credit loss provision to net charge-offs | 128.5714% | 3,109 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 880 |
| Efficiency ratio | 79.5122% | 2,480 |
| Assets per employee ($millions) | 4.9280% | 2,247 |
| Cash dividends to net income (ytd only)* | 58.6207% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 20.9561% | 7,510 |
| Net loans and leases to deposits | 29.0275% | 7,472 |
| Net loans and leases to core deposits | 30.1158% | 7,470 |
| Total domestic deposits to total assets | 72.1939% | 7,066 |
| Equity capital to assets | 23.9448% | 136 |
| Core capital (leverage) ratio | 23.9977% | 136 |
| Tier 1 risk-based capital ratio | 53.9587% | 132 |
| Total risk-based capital ratio | 54.3637% | 133 |
| Memoranda: | ||
| Average total assets | $34,003,400 | 7,077 |
| Average earning assets | $33,111,400 | 6,978 |
| Average equity | $8,254,000 | 5,635 |
| Average total loans | $6,553,200 | 7,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 7,556 |
| Cost of funding earning assets | 1.0361% | 5,768 |
| Net interest margin | 2.3786% | 7,450 |
| Noninterest income to average assets | 0.1023% | 7,036 |
| Noninterest expense to average assets | 1.9204% | 7,172 |
| Loan and lease loss provision to assets | 0.0275% | 6,794 |
| Net operating income to assets | 0.4332% | 4,615 |
| Return on assets (ROA) | 0.4368% | 4,775 |
| Pretax return on assets | 0.4801% | 4,989 |
| Return on Equity (ROE) | 1.7934% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.7934% | 5,067 |
| Net charge-offs to loans | -0.0209% | 7,363 |
| Credit loss provision to net charge-offs | -700.0000% | 7,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2208% | 2,456 |
| Assets per employee ($millions) | 4.8887% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,588 |
| Loan loss allowance to noncurrent loans | 174.3590% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 7,070 |
| Noncurrent loans to loans | 0.6772% | 5,851 |
| Net loans and leases to total assets | 16.6301% | 7,650 |
| Net loans and leases to deposits | 22.1621% | 7,649 |
| Net loans and leases to core deposits | 24.3476% | 7,637 |
| Total domestic deposits to total assets | 75.0387% | 6,793 |
| Equity capital to assets | 24.2863% | 142 |
| Core capital (leverage) ratio | 24.0550% | 136 |
| Tier 1 risk-based capital ratio | 57.5355% | 120 |
| Total risk-based capital ratio | 58.0062% | 121 |
| Memoranda: | ||
| Average total assets | $33,880,250 | 7,166 |
| Average earning assets | $33,072,250 | 7,061 |
| Average equity | $8,252,500 | 5,712 |
| Average total loans | $6,368,750 | 7,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4373% | 7,626 |
| Cost of funding earning assets | 1.0506% | 5,912 |
| Net interest margin | 2.3867% | 7,488 |
| Noninterest income to average assets | 0.0829% | 7,174 |
| Noninterest expense to average assets | 1.9191% | 7,233 |
| Loan and lease loss provision to assets | 0.0237% | 6,702 |
| Net operating income to assets | 0.4095% | 4,714 |
| Return on assets (ROA) | 0.4146% | 4,846 |
| Pretax return on assets | 0.4738% | 4,991 |
| Return on Equity (ROE) | 1.7005% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.7005% | 5,027 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6069% | 2,492 |
| Assets per employee ($millions) | 4.8253% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 6,278 |
| Loan loss allowance to noncurrent loans | 164.1026% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 7,100 |
| Noncurrent loans to loans | 0.6267% | 5,993 |
| Net loans and leases to total assets | 18.2343% | 7,704 |
| Net loans and leases to deposits | 24.5966% | 7,701 |
| Net loans and leases to core deposits | 27.5793% | 7,681 |
| Total domestic deposits to total assets | 74.1333% | 6,959 |
| Equity capital to assets | 24.4841% | 140 |
| Core capital (leverage) ratio | 24.1912% | 136 |
| Tier 1 risk-based capital ratio | 57.1883% | 122 |
| Total risk-based capital ratio | 57.6309% | 124 |
| Memoranda: | ||
| Average total assets | $33,766,670 | 7,221 |
| Average earning assets | $32,932,670 | 7,117 |
| Average equity | $8,233,000 | 5,718 |
| Average total loans | $6,572,000 | 7,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 7,715 |
| Cost of funding earning assets | 1.0724% | 6,026 |
| Net interest margin | 2.3884% | 7,539 |
| Noninterest income to average assets | 0.0829% | 7,291 |
| Noninterest expense to average assets | 2.0378% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3436% | 5,112 |
| Return on assets (ROA) | 0.3436% | 5,236 |
| Pretax return on assets | 0.3673% | 5,390 |
| Return on Equity (ROE) | 1.4121% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.4121% | 5,239 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7291% | 1,945 |
| Assets per employee ($millions) | 4.7704% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 18.9561% | 7,798 |
| Net loans and leases to deposits | 25.3565% | 7,786 |
| Net loans and leases to core deposits | 28.6257% | 7,760 |
| Total domestic deposits to total assets | 74.7582% | 6,936 |
| Equity capital to assets | 24.6429% | 152 |
| Core capital (leverage) ratio | 24.0952% | 146 |
| Tier 1 risk-based capital ratio | 55.0619% | 129 |
| Total risk-based capital ratio | 55.4634% | 132 |
| Memoranda: | ||
| Average total assets | $33,761,500 | 7,319 |
| Average earning assets | $32,825,000 | 7,207 |
| Average equity | $8,214,500 | 5,763 |
| Average total loans | $6,746,500 | 7,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 7,804 |
| Cost of funding earning assets | 1.2758% | 6,392 |
| Net interest margin | 2.3707% | 7,529 |
| Noninterest income to average assets | 0.0894% | 7,315 |
| Noninterest expense to average assets | 1.5969% | 7,772 |
| Loan and lease loss provision to assets | 0.0358% | 7,180 |
| Net operating income to assets | 0.5991% | 3,333 |
| Return on assets (ROA) | 0.6227% | 3,305 |
| Pretax return on assets | 0.7895% | 3,281 |
| Return on Equity (ROE) | 2.5632% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.5453% | 3,995 |
| Net charge-offs to loans | 0.1195% | 5,981 |
| Credit loss provision to net charge-offs | 171.4286% | 2,480 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 622 |
| Efficiency ratio | 66.7497% | 5,239 |
| Assets per employee ($millions) | 4.8757% | 2,368 |
| Cash dividends to net income (ytd only)* | 39.7129% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 6,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 20.6358% | 7,858 |
| Net loans and leases to deposits | 27.3759% | 7,848 |
| Net loans and leases to core deposits | 37.7924% | 7,793 |
| Total domestic deposits to total assets | 75.3794% | 6,794 |
| Equity capital to assets | 24.0258% | 183 |
| Core capital (leverage) ratio | 23.9179% | 176 |
| Tier 1 risk-based capital ratio | 51.7252% | 152 |
| Total risk-based capital ratio | 52.1037% | 154 |
| Memoranda: | ||
| Average total assets | $33,565,000 | 7,347 |
| Average earning assets | $32,606,800 | 7,240 |
| Average equity | $8,154,000 | 5,872 |
| Average total loans | $5,855,600 | 7,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 7,908 |
| Cost of funding earning assets | 1.3241% | 6,477 |
| Net interest margin | 2.3243% | 7,625 |
| Noninterest income to average assets | 0.0718% | 7,556 |
| Noninterest expense to average assets | 1.6156% | 7,822 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5668% | 3,738 |
| Return on assets (ROA) | 0.5984% | 3,661 |
| Pretax return on assets | 0.7579% | 3,678 |
| Return on Equity (ROE) | 2.4562% | 5,010 |
| Retained earnings to average equity (ytd only) | 2.4562% | 3,956 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,739 |
| Assets per employee ($millions) | 4.8093% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,237 |
| Loan loss allowance to noncurrent loans | 916.6667% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 7,547 |
| Noncurrent loans to loans | 0.1101% | 7,202 |
| Net loans and leases to total assets | 16.0315% | 7,984 |
| Net loans and leases to deposits | 22.1134% | 7,982 |
| Net loans and leases to core deposits | 30.6648% | 7,948 |
| Total domestic deposits to total assets | 72.4967% | 7,148 |
| Equity capital to assets | 24.4289% | 184 |
| Core capital (leverage) ratio | 24.6442% | 177 |
| Tier 1 risk-based capital ratio | 55.8165% | 136 |
| Total risk-based capital ratio | 56.1898% | 135 |
| Memoranda: | ||
| Average total assets | $33,423,750 | 7,408 |
| Average earning assets | $32,525,250 | 7,306 |
| Average equity | $8,142,500 | 5,932 |
| Average total loans | $5,543,750 | 7,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 7,989 |
| Cost of funding earning assets | 1.3912% | 6,512 |
| Net interest margin | 2.3186% | 7,668 |
| Noninterest income to average assets | 0.0600% | 7,688 |
| Noninterest expense to average assets | 1.7035% | 7,827 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4967% | 4,099 |
| Return on assets (ROA) | 0.5458% | 4,021 |
| Pretax return on assets | 0.6658% | 4,115 |
| Return on Equity (ROE) | 2.2427% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.2427% | 4,089 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7662% | 4,066 |
| Assets per employee ($millions) | 4.7609% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 13.8240% | 8,089 |
| Net loans and leases to deposits | 18.4835% | 8,092 |
| Net loans and leases to core deposits | 25.5462% | 8,057 |
| Total domestic deposits to total assets | 74.7915% | 6,803 |
| Equity capital to assets | 24.5004% | 214 |
| Core capital (leverage) ratio | 24.4256% | 218 |
| Tier 1 risk-based capital ratio | 59.9618% | 138 |
| Total risk-based capital ratio | 60.3657% | 139 |
| Memoranda: | ||
| Average total assets | $33,343,330 | 7,474 |
| Average earning assets | $32,347,330 | 7,386 |
| Average equity | $8,115,330 | 5,979 |
| Average total loans | $5,574,330 | 8,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 8,041 |
| Cost of funding earning assets | 1.5080% | 6,380 |
| Net interest margin | 2.2932% | 7,722 |
| Noninterest income to average assets | 0.0720% | 7,700 |
| Noninterest expense to average assets | 1.8350% | 7,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3853% | 4,920 |
| Return on assets (ROA) | 0.3958% | 5,051 |
| Pretax return on assets | 0.4557% | 5,224 |
| Return on Equity (ROE) | 1.6315% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.6315% | 4,934 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5263% | 2,740 |
| Assets per employee ($millions) | 4.8199% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 7,001 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 15.6258% | 8,119 |
| Net loans and leases to deposits | 20.7788% | 8,131 |
| Net loans and leases to core deposits | 28.3319% | 8,098 |
| Total domestic deposits to total assets | 75.2008% | 6,662 |
| Equity capital to assets | 24.0286% | 247 |
| Core capital (leverage) ratio | 24.2036% | 251 |
| Tier 1 risk-based capital ratio | 57.6436% | 151 |
| Total risk-based capital ratio | 58.0347% | 151 |
| Memoranda: | ||
| Average total assets | $33,352,000 | 7,516 |
| Average earning assets | $32,095,500 | 7,435 |
| Average equity | $8,090,500 | 6,022 |
| Average total loans | $6,030,500 | 8,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 8,049 |
| Cost of funding earning assets | 1.9638% | 6,526 |
| Net interest margin | 2.4410% | 7,815 |
| Noninterest income to average assets | 0.1283% | 7,470 |
| Noninterest expense to average assets | 1.6674% | 7,895 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6545% | 4,086 |
| Return on assets (ROA) | 0.6569% | 3,926 |
| Pretax return on assets | 0.8321% | 3,953 |
| Return on Equity (ROE) | 2.6138% | 5,377 |
| Retained earnings to average equity (ytd only) | 1.6180% | 4,239 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7920% | 4,950 |
| Assets per employee ($millions) | 4.7093% | 2,309 |
| Cash dividends to net income (ytd only)* | 38.0952% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 7,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 6,832 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 20.2609% | 8,150 |
| Net loans and leases to deposits | 27.0723% | 8,148 |
| Net loans and leases to core deposits | 37.3233% | 8,088 |
| Total domestic deposits to total assets | 74.8400% | 6,489 |
| Equity capital to assets | 24.4926% | 276 |
| Core capital (leverage) ratio | 25.0465% | 264 |
| Tier 1 risk-based capital ratio | 54.9252% | 177 |
| Total risk-based capital ratio | 55.2993% | 179 |
| Memoranda: | ||
| Average total assets | $31,966,000 | 7,565 |
| Average earning assets | $31,011,600 | 7,462 |
| Average equity | $8,034,400 | 6,077 |
| Average total loans | $5,956,600 | 8,127 |