Home > Farmers Trust & Savings Bank > Performance and Condition Ratios
Farmers Trust & Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 3,355 |
| Cost of funding earning assets | 1.2159% | 2,760 |
| Net interest margin | 3.1356% | 3,014 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9823% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2152% | 1,617 |
| Return on assets (ROA) | 1.1898% | 1,647 |
| Pretax return on assets | 1.2320% | 2,060 |
| Return on Equity (ROE) | 16.1100% | 1,077 |
| Retained earnings to average equity (ytd only) | 4.7499% | 2,692 |
| Net charge-offs to loans | -0.0064% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1746% | 2,950 |
| Assets per employee ($millions) | 7.6643% | 1,613 |
| Cash dividends to net income (ytd only)* | 70.5128% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,103 |
| Loan loss allowance to noncurrent loans | 1,707.6923% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,371 |
| Noncurrent loans to loans | 0.0610% | 3,279 |
| Net loans and leases to total assets | 61.1300% | 2,748 |
| Net loans and leases to deposits | 71.3500% | 2,796 |
| Net loans and leases to core deposits | 76.5332% | 2,941 |
| Total domestic deposits to total assets | 85.6800% | 2,117 |
| Equity capital to assets | 7.7778% | 3,560 |
| Core capital (leverage) ratio | 8.8327% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5067% | 1,685 |
| Memoranda: | ||
| Average total assets | $137,665,400 | 3,483 |
| Average earning assets | $129,702,600 | 3,450 |
| Average equity | $10,168,600 | 3,703 |
| Average total loans | $78,054,000 | 3,438 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,336 |
| Cost of funding earning assets | 1.0721% | 2,827 |
| Net interest margin | 3.2029% | 2,911 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.9535% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3026% | 1,544 |
| Return on assets (ROA) | 1.2694% | 1,602 |
| Pretax return on assets | 1.3324% | 1,943 |
| Return on Equity (ROE) | 17.4200% | 1,023 |
| Retained earnings to average equity (ytd only) | 6.0494% | 2,615 |
| Net charge-offs to loans | -0.0070% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.8270% | 3,109 |
| Assets per employee ($millions) | 7.0824% | 1,892 |
| Cash dividends to net income (ytd only)* | 65.2672% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,787 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.4300% | 2,991 |
| Net loans and leases to deposits | 65.0263% | 3,200 |
| Net loans and leases to core deposits | 68.2869% | 3,305 |
| Total domestic deposits to total assets | 89.8600% | 978 |
| Equity capital to assets | 7.4789% | 3,364 |
| Core capital (leverage) ratio | 8.9493% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9468% | 1,113 |
| Memoranda: | ||
| Average total assets | $137,592,500 | 3,489 |
| Average earning assets | $129,964,250 | 3,452 |
| Average equity | $10,028,250 | 3,721 |
| Average total loans | $76,261,750 | 3,469 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,301 |
| Cost of funding earning assets | 0.9180% | 2,869 |
| Net interest margin | 3.2777% | 2,805 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.9480% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3769% | 1,389 |
| Return on assets (ROA) | 1.3275% | 1,483 |
| Pretax return on assets | 1.3925% | 1,832 |
| Return on Equity (ROE) | 18.3700% | 912 |
| Retained earnings to average equity (ytd only) | 6.9886% | 2,285 |
| Net charge-offs to loans | -0.0080% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.4224% | 3,265 |
| Assets per employee ($millions) | 7.6426% | 1,512 |
| Cash dividends to net income (ytd only)* | 61.9565% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,440 |
| Loan loss allowance to noncurrent loans | 1,808.1633% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,428 |
| Noncurrent loans to loans | 0.0664% | 3,226 |
| Net loans and leases to total assets | 53.0100% | 3,341 |
| Net loans and leases to deposits | 57.3593% | 3,570 |
| Net loans and leases to core deposits | 60.1494% | 3,625 |
| Total domestic deposits to total assets | 92.4200% | 337 |
| Equity capital to assets | 7.3426% | 3,612 |
| Core capital (leverage) ratio | 8.4567% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7316% | 997 |
| Memoranda: | ||
| Average total assets | $138,601,667 | 3,490 |
| Average earning assets | $131,370,667 | 3,451 |
| Average equity | $10,016,333 | 3,740 |
| Average total loans | $75,175,667 | 3,488 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 3,336 |
| Cost of funding earning assets | 0.7404% | 2,925 |
| Net interest margin | 3.3257% | 2,811 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.9494% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4060% | 1,392 |
| Return on assets (ROA) | 1.4060% | 1,364 |
| Pretax return on assets | 1.4807% | 1,713 |
| Return on Equity (ROE) | 19.6100% | 808 |
| Retained earnings to average equity (ytd only) | 8.1813% | 2,170 |
| Net charge-offs to loans | -0.0053% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.8315% | 3,320 |
| Assets per employee ($millions) | 7.4539% | 1,652 |
| Cash dividends to net income (ytd only)* | 58.2822% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.9100% | 3,427 |
| Net loans and leases to deposits | 54.9299% | 3,633 |
| Net loans and leases to core deposits | 56.6082% | 3,712 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 7.1838% | 3,740 |
| Core capital (leverage) ratio | 8.2210% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6617% | 1,048 |
| Memoranda: | ||
| Average total assets | $139,119,000 | 3,527 |
| Average earning assets | $131,821,000 | 3,489 |
| Average equity | $9,974,000 | 3,789 |
| Average total loans | $75,855,500 | 3,516 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 3,337 |
| Cost of funding earning assets | 0.2309% | 3,507 |
| Net interest margin | 3.1736% | 2,951 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.9253% | 3,778 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.4155% | 1,092 |
| Return on assets (ROA) | 1.4155% | 1,058 |
| Pretax return on assets | 1.4739% | 1,529 |
| Return on Equity (ROE) | 19.1100% | 559 |
| Retained earnings to average equity (ytd only) | 10.2490% | 1,080 |
| Net charge-offs to loans | -0.0096% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.6008% | 3,249 |
| Assets per employee ($millions) | 7.1902% | 1,830 |
| Cash dividends to net income (ytd only)* | 46.3558% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,778 |
| 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 | 56.9800% | 2,917 |
| Net loans and leases to deposits | 61.4341% | 3,242 |
| Net loans and leases to core deposits | 63.4436% | 3,295 |
| Total domestic deposits to total assets | 92.7400% | 461 |
| Equity capital to assets | 7.1545% | 3,581 |
| Core capital (leverage) ratio | 8.4879% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0696% | 1,354 |
| Memoranda: | ||
| Average total assets | $131,824,800 | 3,613 |
| Average earning assets | $123,454,600 | 3,581 |
| Average equity | $9,766,800 | 3,898 |
| Average total loans | $72,737,200 | 3,525 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 3,258 |
| Cost of funding earning assets | 0.1485% | 3,859 |
| Net interest margin | 3.1226% | 2,860 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.8566% | 3,854 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.4514% | 950 |
| Return on assets (ROA) | 1.4514% | 926 |
| Pretax return on assets | 1.5280% | 1,333 |
| Return on Equity (ROE) | 19.4200% | 485 |
| Retained earnings to average equity (ytd only) | 10.3360% | 1,245 |
| Net charge-offs to loans | -0.0112% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.4542% | 3,450 |
| Assets per employee ($millions) | 7.3539% | 1,706 |
| Cash dividends to net income (ytd only)* | 46.7651% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,677 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,807 |
| Noncurrent loans to loans | 0.0279% | 3,700 |
| Net loans and leases to total assets | 56.1100% | 2,892 |
| Net loans and leases to deposits | 60.4470% | 3,156 |
| Net loans and leases to core deposits | 62.0298% | 3,239 |
| Total domestic deposits to total assets | 92.8200% | 629 |
| Equity capital to assets | 7.1065% | 3,455 |
| Core capital (leverage) ratio | 8.0766% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3036% | 1,340 |
| Memoranda: | ||
| Average total assets | $130,627,500 | 3,653 |
| Average earning assets | $122,117,750 | 3,622 |
| Average equity | $9,765,000 | 3,942 |
| Average total loans | $71,241,500 | 3,568 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1807% | 3,106 |
| Cost of funding earning assets | 0.1057% | 4,134 |
| Net interest margin | 3.0750% | 2,627 |
| Noninterest income to average assets | 0.2984% | 3,377 |
| Noninterest expense to average assets | 1.8163% | 3,914 |
| Loan and lease loss provision to assets | -0.2307% | 4,699 |
| Net operating income to assets | 1.4979% | 715 |
| Return on assets (ROA) | 1.4979% | 692 |
| Pretax return on assets | 1.5764% | 996 |
| Return on Equity (ROE) | 19.7080% | 327 |
| Retained earnings to average equity (ytd only) | 10.2991% | 949 |
| Net charge-offs to loans | -0.0114% | 3,630 |
| Credit loss provision to net charge-offs | 3,750.0000% | 142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4416% | 3,630 |
| Assets per employee ($millions) | 7.2131% | 1,803 |
| Cash dividends to net income (ytd only)* | 47.7413% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,367 |
| 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 | 50.1930% | 3,360 |
| Net loans and leases to deposits | 54.0361% | 3,533 |
| Net loans and leases to core deposits | 55.3157% | 3,626 |
| Total domestic deposits to total assets | 92.8879% | 542 |
| Equity capital to assets | 7.0354% | 3,747 |
| Core capital (leverage) ratio | 8.1217% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0751% | 1,168 |
| Memoranda: | ||
| Average total assets | $130,046,333 | 3,699 |
| Average earning assets | $121,105,667 | 3,683 |
| Average equity | $9,884,333 | 4,006 |
| Average total loans | $69,939,000 | 3,622 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 1,949 |
| Cost of funding earning assets | 0.1058% | 4,059 |
| Net interest margin | 3.3447% | 1,460 |
| Noninterest income to average assets | 0.2940% | 3,362 |
| Noninterest expense to average assets | 1.8017% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5109% | 616 |
| Return on assets (ROA) | 1.5109% | 605 |
| Pretax return on assets | 1.5899% | 842 |
| Return on Equity (ROE) | 19.1095% | 271 |
| Retained earnings to average equity (ytd only) | 8.5153% | 1,420 |
| Net charge-offs to loans | -0.0114% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1221% | 4,116 |
| Assets per employee ($millions) | 6.9821% | 2,009 |
| Cash dividends to net income (ytd only)* | 55.4393% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,481 |
| Loan loss allowance to noncurrent loans | 9,345.4545% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,993 |
| Noncurrent loans to loans | 0.0163% | 3,889 |
| Net loans and leases to total assets | 50.0415% | 3,168 |
| Net loans and leases to deposits | 54.0348% | 3,418 |
| Net loans and leases to core deposits | 55.0922% | 3,517 |
| Total domestic deposits to total assets | 92.6097% | 379 |
| Equity capital to assets | 7.3180% | 4,038 |
| Core capital (leverage) ratio | 8.2997% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0992% | 1,234 |
| Memoranda: | ||
| Average total assets | $126,545,000 | 3,747 |
| Average earning assets | $117,200,000 | 3,754 |
| Average equity | $10,005,500 | 4,054 |
| Average total loans | $70,074,000 | 3,616 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 2,125 |
| Cost of funding earning assets | 0.1490% | 3,989 |
| Net interest margin | 3.5472% | 1,610 |
| Noninterest income to average assets | 0.3441% | 3,357 |
| Noninterest expense to average assets | 1.8012% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7329% | 592 |
| Return on assets (ROA) | 1.7329% | 612 |
| Pretax return on assets | 1.8153% | 882 |
| Return on Equity (ROE) | 20.6353% | 279 |
| Retained earnings to average equity (ytd only) | 7.2422% | 1,826 |
| Net charge-offs to loans | -0.0613% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8042% | 4,302 |
| Assets per employee ($millions) | 6.3384% | 2,457 |
| Cash dividends to net income (ytd only)* | 64.9038% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,886 |
| Loan loss allowance to noncurrent loans | 3,537.9310% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,885 |
| Noncurrent loans to loans | 0.0399% | 3,786 |
| Net loans and leases to total assets | 59.5441% | 2,208 |
| Net loans and leases to deposits | 65.2588% | 2,571 |
| Net loans and leases to core deposits | 66.8441% | 2,746 |
| Total domestic deposits to total assets | 91.2430% | 405 |
| Equity capital to assets | 8.5552% | 4,015 |
| Core capital (leverage) ratio | 8.5957% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6068% | 1,650 |
| Memoranda: | ||
| Average total assets | $120,033,200 | 3,800 |
| Average earning assets | $110,736,400 | 3,804 |
| Average equity | $10,079,800 | 4,114 |
| Average total loans | $70,135,800 | 3,643 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 1,978 |
| Cost of funding earning assets | 0.1593% | 4,019 |
| Net interest margin | 3.6601% | 1,433 |
| Noninterest income to average assets | 0.3246% | 3,484 |
| Noninterest expense to average assets | 2.0066% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6153% | 1,001 |
| Return on assets (ROA) | 1.6153% | 1,037 |
| Pretax return on assets | 1.6887% | 1,433 |
| Return on Equity (ROE) | 19.3265% | 480 |
| Retained earnings to average equity (ytd only) | 7.8476% | 2,106 |
| Net charge-offs to loans | -0.0787% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3020% | 3,766 |
| Assets per employee ($millions) | 6.7521% | 2,053 |
| Cash dividends to net income (ytd only)* | 59.3944% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,867 |
| Loan loss allowance to noncurrent loans | 3,531.0345% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,021 |
| Noncurrent loans to loans | 0.0407% | 3,920 |
| Net loans and leases to total assets | 57.8305% | 2,514 |
| Net loans and leases to deposits | 63.4528% | 2,913 |
| Net loans and leases to core deposits | 65.2070% | 3,020 |
| Total domestic deposits to total assets | 91.1394% | 325 |
| Equity capital to assets | 8.4731% | 4,230 |
| Core capital (leverage) ratio | 8.3305% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1337% | 1,921 |
| Memoranda: | ||
| Average total assets | $119,934,000 | 3,841 |
| Average earning assets | $110,449,250 | 3,850 |
| Average equity | $10,024,000 | 4,184 |
| Average total loans | $69,486,000 | 3,712 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 2,037 |
| Cost of funding earning assets | 0.1626% | 4,104 |
| Net interest margin | 3.6503% | 1,464 |
| Noninterest income to average assets | 0.3149% | 3,542 |
| Noninterest expense to average assets | 2.0168% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6147% | 1,025 |
| Return on assets (ROA) | 1.6147% | 1,079 |
| Pretax return on assets | 1.6818% | 1,526 |
| Return on Equity (ROE) | 19.4107% | 505 |
| Retained earnings to average equity (ytd only) | 7.8327% | 2,139 |
| Net charge-offs to loans | -0.1132% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5290% | 3,737 |
| Assets per employee ($millions) | 6.9418% | 1,850 |
| Cash dividends to net income (ytd only)* | 59.6473% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,600 |
| Loan loss allowance to noncurrent loans | 3,524.1379% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,107 |
| Noncurrent loans to loans | 0.0425% | 3,977 |
| Net loans and leases to total assets | 53.8018% | 3,154 |
| Net loans and leases to deposits | 58.9111% | 3,466 |
| Net loans and leases to core deposits | 60.4886% | 3,584 |
| Total domestic deposits to total assets | 91.3271% | 274 |
| Equity capital to assets | 8.0990% | 4,480 |
| Core capital (leverage) ratio | 8.1346% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1967% | 1,293 |
| Memoranda: | ||
| Average total assets | $119,399,333 | 3,864 |
| Average earning assets | $110,676,667 | 3,863 |
| Average equity | $9,932,667 | 4,208 |
| Average total loans | $68,878,000 | 3,746 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 2,116 |
| Cost of funding earning assets | 0.1701% | 4,162 |
| Net interest margin | 3.6241% | 1,520 |
| Noninterest income to average assets | 0.3121% | 3,539 |
| Noninterest expense to average assets | 2.1059% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5229% | 1,277 |
| Return on assets (ROA) | 1.5229% | 1,341 |
| Pretax return on assets | 1.5675% | 1,811 |
| Return on Equity (ROE) | 18.0506% | 723 |
| Retained earnings to average equity (ytd only) | 6.3421% | 2,783 |
| Net charge-offs to loans | -0.2139% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3296% | 3,386 |
| Assets per employee ($millions) | 7.1239% | 1,713 |
| Cash dividends to net income (ytd only)* | 64.8649% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,819 |
| Loan loss allowance to noncurrent loans | 3,290.3226% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,181 |
| Noncurrent loans to loans | 0.0437% | 4,072 |
| Net loans and leases to total assets | 57.7618% | 2,819 |
| Net loans and leases to deposits | 63.2458% | 3,197 |
| Net loans and leases to core deposits | 65.0115% | 3,317 |
| Total domestic deposits to total assets | 91.3291% | 287 |
| Equity capital to assets | 8.1458% | 4,400 |
| Core capital (leverage) ratio | 8.4846% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0669% | 1,551 |
| Memoranda: | ||
| Average total assets | $116,622,500 | 3,895 |
| Average earning assets | $108,164,500 | 3,895 |
| Average equity | $9,839,000 | 4,231 |
| Average total loans | $69,192,500 | 3,758 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,122 |
| Cost of funding earning assets | 0.3572% | 3,834 |
| Net interest margin | 3.8467% | 1,367 |
| Noninterest income to average assets | 0.3719% | 3,257 |
| Noninterest expense to average assets | 2.2486% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5956% | 647 |
| Return on assets (ROA) | 1.5956% | 701 |
| Pretax return on assets | 1.6798% | 890 |
| Return on Equity (ROE) | 17.6530% | 354 |
| Retained earnings to average equity (ytd only) | 4.4185% | 2,582 |
| Net charge-offs to loans | -0.0603% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2392% | 3,826 |
| Assets per employee ($millions) | 6.2299% | 2,141 |
| Cash dividends to net income (ytd only)* | 74.9703% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,741 |
| Loan loss allowance to noncurrent loans | 3,170.9677% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,228 |
| Noncurrent loans to loans | 0.0460% | 4,114 |
| Net loans and leases to total assets | 59.2381% | 2,957 |
| Net loans and leases to deposits | 65.0633% | 3,354 |
| Net loans and leases to core deposits | 66.6971% | 3,485 |
| Total domestic deposits to total assets | 91.0468% | 217 |
| Equity capital to assets | 8.7507% | 4,256 |
| Core capital (leverage) ratio | 8.5315% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9244% | 1,555 |
| Memoranda: | ||
| Average total assets | $105,666,800 | 3,921 |
| Average earning assets | $97,695,000 | 3,916 |
| Average equity | $9,550,800 | 4,240 |
| Average total loans | $71,278,600 | 3,704 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 1,957 |
| Cost of funding earning assets | 0.4038% | 3,789 |
| Net interest margin | 3.9550% | 1,223 |
| Noninterest income to average assets | 0.3652% | 3,269 |
| Noninterest expense to average assets | 2.2579% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6710% | 618 |
| Return on assets (ROA) | 1.6710% | 686 |
| Pretax return on assets | 1.7594% | 849 |
| Return on Equity (ROE) | 18.3298% | 334 |
| Retained earnings to average equity (ytd only) | 4.4981% | 2,798 |
| Net charge-offs to loans | -0.0738% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2041% | 3,896 |
| Assets per employee ($millions) | 6.1197% | 2,159 |
| Cash dividends to net income (ytd only)* | 75.4601% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.7706% | 2,666 |
| Net loans and leases to deposits | 71.2917% | 3,196 |
| Net loans and leases to core deposits | 73.1077% | 3,389 |
| Total domestic deposits to total assets | 90.8529% | 202 |
| Equity capital to assets | 8.8121% | 4,246 |
| Core capital (leverage) ratio | 8.8208% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1723% | 1,773 |
| Memoranda: | ||
| Average total assets | $104,048,750 | 3,940 |
| Average earning assets | $96,077,750 | 3,935 |
| Average equity | $9,485,250 | 4,268 |
| Average total loans | $72,245,250 | 3,698 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,021 |
| Cost of funding earning assets | 0.4532% | 3,779 |
| Net interest margin | 4.0108% | 1,293 |
| Noninterest income to average assets | 0.3549% | 3,350 |
| Noninterest expense to average assets | 2.2899% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6900% | 635 |
| Return on assets (ROA) | 1.6900% | 687 |
| Pretax return on assets | 1.7782% | 847 |
| Return on Equity (ROE) | 18.3183% | 342 |
| Retained earnings to average equity (ytd only) | 3.3577% | 3,247 |
| Net charge-offs to loans | -0.0194% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2892% | 3,907 |
| Assets per employee ($millions) | 6.0936% | 2,098 |
| Cash dividends to net income (ytd only)* | 81.6705% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.2242% | 2,596 |
| Net loans and leases to deposits | 72.8091% | 3,179 |
| Net loans and leases to core deposits | 74.6629% | 3,407 |
| Total domestic deposits to total assets | 90.9559% | 154 |
| Equity capital to assets | 8.6821% | 4,366 |
| Core capital (leverage) ratio | 8.6110% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8706% | 1,870 |
| Memoranda: | ||
| Average total assets | $102,013,333 | 3,966 |
| Average earning assets | $94,444,333 | 3,964 |
| Average equity | $9,411,333 | 4,296 |
| Average total loans | $72,217,667 | 3,712 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 1,979 |
| Cost of funding earning assets | 0.5451% | 3,718 |
| Net interest margin | 4.0620% | 1,219 |
| Noninterest income to average assets | 0.3871% | 3,192 |
| Noninterest expense to average assets | 2.4079% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6623% | 549 |
| Return on assets (ROA) | 1.6623% | 605 |
| Pretax return on assets | 1.7438% | 783 |
| Return on Equity (ROE) | 17.4443% | 298 |
| Retained earnings to average equity (ytd only) | -0.6841% | 4,102 |
| Net charge-offs to loans | -0.0224% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9980% | 4,002 |
| Assets per employee ($millions) | 5.4590% | 2,168 |
| Cash dividends to net income (ytd only)* | 103.9216% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,354 |
| Noncurrent loans to loans | 0.0673% | 4,267 |
| Net loans and leases to total assets | 71.6045% | 1,981 |
| Net loans and leases to deposits | 79.4759% | 2,735 |
| Net loans and leases to core deposits | 82.6724% | 2,964 |
| Total domestic deposits to total assets | 90.0959% | 290 |
| Equity capital to assets | 9.5123% | 4,208 |
| Core capital (leverage) ratio | 9.4766% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6606% | 2,022 |
| Memoranda: | ||
| Average total assets | $98,177,500 | 4,016 |
| Average earning assets | $90,990,500 | 4,009 |
| Average equity | $9,355,500 | 4,320 |
| Average total loans | $71,534,000 | 3,735 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 1,626 |
| Cost of funding earning assets | 0.6383% | 3,462 |
| Net interest margin | 4.3062% | 1,079 |
| Noninterest income to average assets | 0.4642% | 2,932 |
| Noninterest expense to average assets | 2.5709% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8164% | 508 |
| Return on assets (ROA) | 1.8164% | 533 |
| Pretax return on assets | 1.8601% | 817 |
| Return on Equity (ROE) | 18.5589% | 300 |
| Retained earnings to average equity (ytd only) | -2.1590% | 4,876 |
| Net charge-offs to loans | -0.0278% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0202% | 3,958 |
| Assets per employee ($millions) | 5.1628% | 2,380 |
| Cash dividends to net income (ytd only)* | 111.6334% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,873 |
| Loan loss allowance to noncurrent loans | 1,880.0000% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,380 |
| Noncurrent loans to loans | 0.0697% | 4,258 |
| Net loans and leases to total assets | 72.2009% | 2,062 |
| Net loans and leases to deposits | 80.1285% | 2,765 |
| Net loans and leases to core deposits | 82.1338% | 3,111 |
| Total domestic deposits to total assets | 90.1063% | 294 |
| Equity capital to assets | 9.5460% | 4,314 |
| Core capital (leverage) ratio | 9.6271% | 3,925 |
| Tier 1 risk-based capital ratio | 13.0596% | 3,765 |
| Total risk-based capital ratio | 14.3106% | 3,638 |
| Memoranda: | ||
| Average total assets | $93,703,000 | 4,088 |
| Average earning assets | $86,318,200 | 4,094 |
| Average equity | $9,170,800 | 4,349 |
| Average total loans | $71,815,600 | 3,743 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 1,536 |
| Cost of funding earning assets | 0.6569% | 3,418 |
| Net interest margin | 4.3433% | 1,070 |
| Noninterest income to average assets | 0.4694% | 2,909 |
| Noninterest expense to average assets | 2.5469% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8717% | 535 |
| Return on assets (ROA) | 1.8717% | 557 |
| Pretax return on assets | 1.9206% | 824 |
| Return on Equity (ROE) | 19.0002% | 312 |
| Retained earnings to average equity (ytd only) | -5.4808% | 5,072 |
| Net charge-offs to loans | -0.0223% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0093% | 4,063 |
| Assets per employee ($millions) | 4.9143% | 2,646 |
| Cash dividends to net income (ytd only)* | 128.8463% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 1,965 |
| Loan loss allowance to noncurrent loans | 2,118.1818% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,483 |
| Noncurrent loans to loans | 0.0614% | 4,363 |
| Net loans and leases to total assets | 75.7497% | 1,523 |
| Net loans and leases to deposits | 84.4606% | 2,391 |
| Net loans and leases to core deposits | 85.6895% | 2,936 |
| Total domestic deposits to total assets | 89.6864% | 378 |
| Equity capital to assets | 9.8381% | 4,173 |
| Core capital (leverage) ratio | 9.9306% | 3,704 |
| Tier 1 risk-based capital ratio | 12.7914% | 3,959 |
| Total risk-based capital ratio | 14.0418% | 3,853 |
| Memoranda: | ||
| Average total assets | $92,605,500 | 4,154 |
| Average earning assets | $85,248,500 | 4,159 |
| Average equity | $9,122,500 | 4,406 |
| Average total loans | $71,828,500 | 3,787 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,570 |
| Cost of funding earning assets | 0.6420% | 3,455 |
| Net interest margin | 4.3251% | 1,089 |
| Noninterest income to average assets | 0.4526% | 2,946 |
| Noninterest expense to average assets | 2.5382% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8885% | 492 |
| Return on assets (ROA) | 1.8885% | 516 |
| Pretax return on assets | 1.9123% | 817 |
| Return on Equity (ROE) | 19.1620% | 307 |
| Retained earnings to average equity (ytd only) | -12.7014% | 5,203 |
| Net charge-offs to loans | -0.0223% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0316% | 4,129 |
| Assets per employee ($millions) | 4.9266% | 2,574 |
| Cash dividends to net income (ytd only)* | 166.2844% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,002 |
| Loan loss allowance to noncurrent loans | 3,866.6667% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,654 |
| Noncurrent loans to loans | 0.0337% | 4,547 |
| Net loans and leases to total assets | 75.0761% | 1,710 |
| Net loans and leases to deposits | 83.4937% | 2,545 |
| Net loans and leases to core deposits | 84.6952% | 3,059 |
| Total domestic deposits to total assets | 89.9183% | 358 |
| Equity capital to assets | 9.5967% | 4,317 |
| Core capital (leverage) ratio | 9.6871% | 3,946 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,028 |
| Total risk-based capital ratio | 13.9296% | 3,928 |
| Memoranda: | ||
| Average total assets | $92,350,000 | 4,187 |
| Average earning assets | $85,362,670 | 4,187 |
| Average equity | $9,101,330 | 4,422 |
| Average total loans | $71,884,330 | 3,801 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,455 |
| Cost of funding earning assets | 0.6202% | 3,464 |
| Net interest margin | 4.3363% | 1,033 |
| Noninterest income to average assets | 0.4317% | 2,963 |
| Noninterest expense to average assets | 2.5512% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8752% | 480 |
| Return on assets (ROA) | 1.8752% | 496 |
| Pretax return on assets | 1.8752% | 840 |
| Return on Equity (ROE) | 18.7763% | 340 |
| Retained earnings to average equity (ytd only) | -34.7143% | 5,319 |
| Net charge-offs to loans | -0.0222% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6355% | 4,128 |
| Assets per employee ($millions) | 4.8434% | 2,723 |
| Cash dividends to net income (ytd only)* | 284.8837% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,251 |
| Loan loss allowance to noncurrent loans | 2,431.5789% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,628 |
| Noncurrent loans to loans | 0.0520% | 4,528 |
| Net loans and leases to total assets | 78.3711% | 1,094 |
| Net loans and leases to deposits | 87.1184% | 1,986 |
| Net loans and leases to core deposits | 88.1169% | 2,672 |
| Total domestic deposits to total assets | 89.9593% | 460 |
| Equity capital to assets | 9.5257% | 4,237 |
| Core capital (leverage) ratio | 9.4920% | 4,141 |
| Tier 1 risk-based capital ratio | 11.9571% | 4,483 |
| Total risk-based capital ratio | 13.2066% | 4,377 |
| Memoranda: | ||
| Average total assets | $91,722,500 | 4,233 |
| Average earning assets | $84,495,500 | 4,248 |
| Average equity | $9,160,500 | 4,441 |
| Average total loans | $72,225,000 | 3,834 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 1,722 |
| Cost of funding earning assets | 0.4657% | 3,576 |
| Net interest margin | 4.2682% | 1,230 |
| Noninterest income to average assets | 0.4893% | 2,891 |
| Noninterest expense to average assets | 2.6340% | 3,231 |
| Loan and lease loss provision to assets | 0.0384% | 3,435 |
| Net operating income to assets | 1.6708% | 735 |
| Return on assets (ROA) | 1.6708% | 733 |
| Pretax return on assets | 1.7585% | 1,028 |
| Return on Equity (ROE) | 16.2912% | 567 |
| Retained earnings to average equity (ytd only) | 4.3108% | 3,175 |
| Net charge-offs to loans | -0.0266% | 4,774 |
| Credit loss provision to net charge-offs | -184.2105% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4454% | 3,953 |
| Assets per employee ($millions) | 4.8116% | 2,722 |
| Cash dividends to net income (ytd only)* | 73.5391% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,104 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,671 |
| Noncurrent loans to loans | 0.0448% | 4,547 |
| Net loans and leases to total assets | 77.1002% | 1,426 |
| Net loans and leases to deposits | 86.5654% | 2,211 |
| Net loans and leases to core deposits | 87.8241% | 2,768 |
| Total domestic deposits to total assets | 89.0658% | 828 |
| Equity capital to assets | 10.4518% | 3,236 |
| Core capital (leverage) ratio | 10.5965% | 2,934 |
| Tier 1 risk-based capital ratio | 13.1789% | 3,738 |
| Total risk-based capital ratio | 14.4286% | 3,624 |
| Memoranda: | ||
| Average total assets | $91,155,400 | 4,249 |
| Average earning assets | $84,180,600 | 4,247 |
| Average equity | $9,348,600 | 4,413 |
| Average total loans | $71,467,000 | 3,840 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,728 |
| Cost of funding earning assets | 0.4334% | 3,641 |
| Net interest margin | 4.2490% | 1,238 |
| Noninterest income to average assets | 0.4889% | 2,927 |
| Noninterest expense to average assets | 2.5937% | 3,299 |
| Loan and lease loss provision to assets | 0.0512% | 2,962 |
| Net operating income to assets | 1.6862% | 773 |
| Return on assets (ROA) | 1.6862% | 774 |
| Pretax return on assets | 1.7755% | 1,070 |
| Return on Equity (ROE) | 16.5210% | 612 |
| Retained earnings to average equity (ytd only) | 4.4745% | 3,511 |
| Net charge-offs to loans | -0.0298% | 4,749 |
| Credit loss provision to net charge-offs | -218.7500% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6755% | 4,014 |
| Assets per employee ($millions) | 4.6581% | 2,900 |
| Cash dividends to net income (ytd only)* | 72.9166% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,073 |
| Loan loss allowance to noncurrent loans | 555.1515% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,004 |
| Noncurrent loans to loans | 0.2352% | 3,861 |
| Net loans and leases to total assets | 78.2346% | 1,309 |
| Net loans and leases to deposits | 88.2229% | 2,125 |
| Net loans and leases to core deposits | 90.1316% | 2,653 |
| Total domestic deposits to total assets | 88.6783% | 968 |
| Equity capital to assets | 10.6968% | 2,933 |
| Core capital (leverage) ratio | 10.3163% | 3,273 |
| Tier 1 risk-based capital ratio | 13.4185% | 3,674 |
| Total risk-based capital ratio | 14.6686% | 3,591 |
| Memoranda: | ||
| Average total assets | $91,089,250 | 4,295 |
| Average earning assets | $84,285,000 | 4,292 |
| Average equity | $9,297,000 | 4,458 |
| Average total loans | $71,482,500 | 3,876 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,009 |
| Cost of funding earning assets | 0.3940% | 3,765 |
| Net interest margin | 4.1323% | 1,463 |
| Noninterest income to average assets | 0.4807% | 2,972 |
| Noninterest expense to average assets | 2.5622% | 3,440 |
| Loan and lease loss provision to assets | 0.0653% | 2,594 |
| Net operating income to assets | 1.6008% | 917 |
| Return on assets (ROA) | 1.6008% | 924 |
| Pretax return on assets | 1.6857% | 1,252 |
| Return on Equity (ROE) | 15.9302% | 690 |
| Retained earnings to average equity (ytd only) | 3.8094% | 3,696 |
| Net charge-offs to loans | -0.0334% | 4,777 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4049% | 4,025 |
| Assets per employee ($millions) | 5.0505% | 2,350 |
| Cash dividends to net income (ytd only)* | 76.0870% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,063 |
| Loan loss allowance to noncurrent loans | 880.5825% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 4,457 |
| Noncurrent loans to loans | 0.1502% | 4,231 |
| Net loans and leases to total assets | 70.5325% | 2,498 |
| Net loans and leases to deposits | 78.6472% | 3,094 |
| Net loans and leases to core deposits | 80.9896% | 3,321 |
| Total domestic deposits to total assets | 89.6822% | 673 |
| Equity capital to assets | 9.7238% | 3,896 |
| Core capital (leverage) ratio | 9.8578% | 3,728 |
| Tier 1 risk-based capital ratio | 13.1822% | 3,802 |
| Total risk-based capital ratio | 14.4324% | 3,719 |
| Memoranda: | ||
| Average total assets | $91,951,330 | 4,320 |
| Average earning assets | $85,278,670 | 4,309 |
| Average equity | $9,240,330 | 4,505 |
| Average total loans | $71,924,670 | 3,895 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 1,839 |
| Cost of funding earning assets | 0.3650% | 3,874 |
| Net interest margin | 4.1446% | 1,317 |
| Noninterest income to average assets | 0.4981% | 2,812 |
| Noninterest expense to average assets | 2.5971% | 3,338 |
| Loan and lease loss provision to assets | 0.0667% | 2,438 |
| Net operating income to assets | 1.5920% | 874 |
| Return on assets (ROA) | 1.5920% | 878 |
| Pretax return on assets | 1.6721% | 1,186 |
| Return on Equity (ROE) | 15.5737% | 691 |
| Retained earnings to average equity (ytd only) | 3.3931% | 3,850 |
| Net charge-offs to loans | -0.0326% | 4,779 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8974% | 4,081 |
| Assets per employee ($millions) | 4.8244% | 2,709 |
| Cash dividends to net income (ytd only)* | 78.2123% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,710 |
| Loan loss allowance to noncurrent loans | 798.1982% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,491 |
| Noncurrent loans to loans | 0.1525% | 4,297 |
| Net loans and leases to total assets | 78.4506% | 1,168 |
| Net loans and leases to deposits | 87.8206% | 1,951 |
| Net loans and leases to core deposits | 90.2871% | 2,428 |
| Total domestic deposits to total assets | 89.3306% | 950 |
| Equity capital to assets | 10.0716% | 3,534 |
| Core capital (leverage) ratio | 10.1580% | 3,348 |
| Tier 1 risk-based capital ratio | 12.5054% | 4,233 |
| Total risk-based capital ratio | 13.7056% | 4,171 |
| Memoranda: | ||
| Average total assets | $89,947,000 | 4,400 |
| Average earning assets | $83,288,500 | 4,388 |
| Average equity | $9,195,000 | 4,559 |
| Average total loans | $73,592,000 | 3,887 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,667 |
| Cost of funding earning assets | 0.2948% | 4,194 |
| Net interest margin | 4.2199% | 1,148 |
| Noninterest income to average assets | 0.5407% | 2,768 |
| Noninterest expense to average assets | 2.7469% | 2,969 |
| Loan and lease loss provision to assets | 0.0682% | 2,839 |
| Net operating income to assets | 1.5166% | 772 |
| Return on assets (ROA) | 1.5166% | 784 |
| Pretax return on assets | 1.5961% | 1,301 |
| Return on Equity (ROE) | 14.8697% | 630 |
| Retained earnings to average equity (ytd only) | 2.9294% | 3,549 |
| Net charge-offs to loans | 0.0111% | 3,699 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 183.1250% | 423 |
| Efficiency ratio | 62.2714% | 3,896 |
| Assets per employee ($millions) | 4.6437% | 2,962 |
| Cash dividends to net income (ytd only)* | 80.2996% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,995 |
| Loan loss allowance to noncurrent loans | 14,416.6667% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 5,149 |
| Noncurrent loans to loans | 0.0081% | 5,018 |
| Net loans and leases to total assets | 83.3299% | 511 |
| Net loans and leases to deposits | 94.7680% | 1,193 |
| Net loans and leases to core deposits | 97.5805% | 1,894 |
| Total domestic deposits to total assets | 87.9304% | 1,542 |
| Equity capital to assets | 10.3797% | 3,295 |
| Core capital (leverage) ratio | 10.2958% | 3,074 |
| Tier 1 risk-based capital ratio | 12.2794% | 4,349 |
| Total risk-based capital ratio | 13.4393% | 4,301 |
| Memoranda: | ||
| Average total assets | $88,027,000 | 4,460 |
| Average earning assets | $80,736,200 | 4,453 |
| Average equity | $8,978,000 | 4,615 |
| Average total loans | $72,244,200 | 3,911 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 1,799 |
| Cost of funding earning assets | 0.2761% | 4,349 |
| Net interest margin | 4.1703% | 1,229 |
| Noninterest income to average assets | 0.5244% | 2,875 |
| Noninterest expense to average assets | 2.7385% | 2,931 |
| Loan and lease loss provision to assets | 0.0682% | 2,709 |
| Net operating income to assets | 1.4625% | 970 |
| Return on assets (ROA) | 1.4625% | 985 |
| Pretax return on assets | 1.5398% | 1,623 |
| Return on Equity (ROE) | 14.4031% | 754 |
| Retained earnings to average equity (ytd only) | 2.4030% | 4,449 |
| Net charge-offs to loans | 0.0205% | 3,083 |
| Credit loss provision to net charge-offs | 409.0909% | 757 |
| Earnings coverage of net charge-offs (x) | 96.4301% | 705 |
| Efficiency ratio | 63.0056% | 3,708 |
| Assets per employee ($millions) | 4.5921% | 2,987 |
| Cash dividends to net income (ytd only)* | 83.3161% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,202 |
| 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 | 83.4336% | 494 |
| Net loans and leases to deposits | 93.8370% | 1,317 |
| Net loans and leases to core deposits | 97.0302% | 1,976 |
| Total domestic deposits to total assets | 88.9133% | 930 |
| Equity capital to assets | 10.3887% | 3,490 |
| Core capital (leverage) ratio | 9.9902% | 3,579 |
| Tier 1 risk-based capital ratio | 12.2782% | 4,449 |
| Total risk-based capital ratio | 13.4255% | 4,408 |
| Memoranda: | ||
| Average total assets | $87,976,250 | 4,507 |
| Average earning assets | $80,632,500 | 4,498 |
| Average equity | $8,933,000 | 4,671 |
| Average total loans | $71,708,500 | 3,958 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 1,925 |
| Cost of funding earning assets | 0.2634% | 4,434 |
| Net interest margin | 4.1024% | 1,321 |
| Noninterest income to average assets | 0.5146% | 2,933 |
| Noninterest expense to average assets | 2.8135% | 2,706 |
| Loan and lease loss provision to assets | 0.0680% | 2,611 |
| Net operating income to assets | 1.3081% | 1,277 |
| Return on assets (ROA) | 1.3081% | 1,299 |
| Pretax return on assets | 1.3761% | 2,113 |
| Return on Equity (ROE) | 12.9819% | 1,034 |
| Retained earnings to average equity (ytd only) | 0.9225% | 4,863 |
| Net charge-offs to loans | -0.0197% | 4,777 |
| Credit loss provision to net charge-offs | -428.5714% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0809% | 3,339 |
| Assets per employee ($millions) | 4.7327% | 2,747 |
| Cash dividends to net income (ytd only)* | 92.8943% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 3,028 |
| Loan loss allowance to noncurrent loans | 3,269.2308% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 5,148 |
| Noncurrent loans to loans | 0.0367% | 5,008 |
| Net loans and leases to total assets | 77.9384% | 1,259 |
| Net loans and leases to deposits | 87.2156% | 2,078 |
| Net loans and leases to core deposits | 90.0740% | 2,518 |
| Total domestic deposits to total assets | 89.3629% | 780 |
| Equity capital to assets | 9.9454% | 3,978 |
| Core capital (leverage) ratio | 10.1227% | 3,374 |
| Tier 1 risk-based capital ratio | 12.4048% | 4,352 |
| Total risk-based capital ratio | 13.5838% | 4,289 |
| Memoranda: | ||
| Average total assets | $88,218,670 | 4,521 |
| Average earning assets | $80,488,670 | 4,526 |
| Average equity | $8,889,330 | 4,699 |
| Average total loans | $71,064,000 | 3,988 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 1,988 |
| Cost of funding earning assets | 0.2664% | 4,394 |
| Net interest margin | 4.0215% | 1,414 |
| Noninterest income to average assets | 0.5036% | 2,958 |
| Noninterest expense to average assets | 3.1133% | 1,830 |
| Loan and lease loss provision to assets | 0.0687% | 2,438 |
| Net operating income to assets | 0.9340% | 2,590 |
| Return on assets (ROA) | 0.9340% | 2,645 |
| Pretax return on assets | 0.9843% | 3,433 |
| Return on Equity (ROE) | 9.2073% | 2,315 |
| Retained earnings to average equity (ytd only) | -2.8886% | 5,251 |
| Net charge-offs to loans | -0.0225% | 4,804 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7253% | 2,106 |
| Assets per employee ($millions) | 4.6045% | 2,998 |
| Cash dividends to net income (ytd only)* | 131.3725% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 3,254 |
| Loan loss allowance to noncurrent loans | 581.1189% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,598 |
| Noncurrent loans to loans | 0.2032% | 4,394 |
| Net loans and leases to total assets | 79.5039% | 899 |
| Net loans and leases to deposits | 89.1364% | 1,653 |
| Net loans and leases to core deposits | 92.1428% | 2,148 |
| Total domestic deposits to total assets | 89.1936% | 1,053 |
| Equity capital to assets | 10.0966% | 3,631 |
| Core capital (leverage) ratio | 10.0424% | 3,439 |
| Tier 1 risk-based capital ratio | 12.3249% | 4,496 |
| Total risk-based capital ratio | 13.4844% | 4,460 |
| Memoranda: | ||
| Average total assets | $87,367,500 | 4,577 |
| Average earning assets | $79,571,500 | 4,585 |
| Average equity | $8,862,500 | 4,742 |
| Average total loans | $71,129,500 | 4,026 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3102% | 2,107 |
| Cost of funding earning assets | 0.2420% | 4,636 |
| Net interest margin | 4.0681% | 1,450 |
| Noninterest income to average assets | 0.5421% | 2,965 |
| Noninterest expense to average assets | 2.6671% | 3,462 |
| Loan and lease loss provision to assets | 0.1115% | 2,200 |
| Net operating income to assets | 1.3843% | 1,037 |
| Return on assets (ROA) | 1.3843% | 1,080 |
| Pretax return on assets | 1.4568% | 1,731 |
| Return on Equity (ROE) | 13.7721% | 813 |
| Retained earnings to average equity (ytd only) | -0.4883% | 5,379 |
| Net charge-offs to loans | -0.0687% | 5,477 |
| Credit loss provision to net charge-offs | -200.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9708% | 4,111 |
| Assets per employee ($millions) | 4.3625% | 3,340 |
| Cash dividends to net income (ytd only)* | 103.5455% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,547 |
| Loan loss allowance to noncurrent loans | 4,511.1111% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,307 |
| Noncurrent loans to loans | 0.0250% | 5,164 |
| Net loans and leases to total assets | 81.4464% | 678 |
| Net loans and leases to deposits | 91.9765% | 1,459 |
| Net loans and leases to core deposits | 94.7898% | 2,031 |
| Total domestic deposits to total assets | 88.5513% | 1,353 |
| Equity capital to assets | 10.1914% | 3,497 |
| Core capital (leverage) ratio | 9.8945% | 3,634 |
| Tier 1 risk-based capital ratio | 12.1177% | 4,647 |
| Total risk-based capital ratio | 13.2239% | 4,633 |
| Memoranda: | ||
| Average total assets | $89,648,400 | 4,551 |
| Average earning assets | $81,388,400 | 4,557 |
| Average equity | $9,011,000 | 4,766 |
| Average total loans | $72,769,400 | 3,973 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,198 |
| Cost of funding earning assets | 0.2393% | 4,712 |
| Net interest margin | 4.0493% | 1,529 |
| Noninterest income to average assets | 0.5348% | 3,015 |
| Noninterest expense to average assets | 2.6120% | 3,616 |
| Loan and lease loss provision to assets | 0.1256% | 1,857 |
| Net operating income to assets | 1.3991% | 1,070 |
| Return on assets (ROA) | 1.3991% | 1,125 |
| Pretax return on assets | 1.4730% | 1,794 |
| Return on Equity (ROE) | 13.9661% | 833 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,296 |
| Net charge-offs to loans | -0.0859% | 5,519 |
| Credit loss provision to net charge-offs | -180.8511% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0351% | 4,224 |
| Assets per employee ($millions) | 4.0989% | 3,790 |
| Cash dividends to net income (ytd only)* | 80.7807% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,858 |
| Loan loss allowance to noncurrent loans | 1,470.3704% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 5,193 |
| Noncurrent loans to loans | 0.0745% | 5,048 |
| Net loans and leases to total assets | 83.3055% | 477 |
| Net loans and leases to deposits | 93.4548% | 1,325 |
| Net loans and leases to core deposits | 97.6894% | 1,842 |
| Total domestic deposits to total assets | 89.1398% | 829 |
| Equity capital to assets | 10.6139% | 3,442 |
| Core capital (leverage) ratio | 10.1741% | 3,356 |
| Tier 1 risk-based capital ratio | 12.4060% | 4,532 |
| Total risk-based capital ratio | 13.4859% | 4,551 |
| Memoranda: | ||
| Average total assets | $90,248,000 | 4,577 |
| Average earning assets | $81,922,500 | 4,585 |
| Average equity | $9,040,750 | 4,798 |
| Average total loans | $72,993,250 | 3,992 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 2,279 |
| Cost of funding earning assets | 0.2323% | 4,826 |
| Net interest margin | 4.0313% | 1,547 |
| Noninterest income to average assets | 0.5194% | 3,073 |
| Noninterest expense to average assets | 2.5731% | 3,808 |
| Loan and lease loss provision to assets | 0.1528% | 1,497 |
| Net operating income to assets | 1.3575% | 1,146 |
| Return on assets (ROA) | 1.3575% | 1,218 |
| Pretax return on assets | 1.4295% | 1,909 |
| Return on Equity (ROE) | 13.8084% | 867 |
| Retained earnings to average equity (ytd only) | 2.4864% | 4,300 |
| Net charge-offs to loans | -0.1176% | 5,672 |
| Credit loss provision to net charge-offs | -162.7907% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9223% | 4,358 |
| Assets per employee ($millions) | 4.5144% | 2,995 |
| Cash dividends to net income (ytd only)* | 81.9936% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,852 |
| Loan loss allowance to noncurrent loans | 11,071.4286% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,600 |
| Noncurrent loans to loans | 0.0101% | 5,459 |
| Net loans and leases to total assets | 75.9290% | 1,500 |
| Net loans and leases to deposits | 84.6147% | 2,395 |
| Net loans and leases to core deposits | 88.4613% | 2,684 |
| Total domestic deposits to total assets | 89.7350% | 583 |
| Equity capital to assets | 10.0480% | 4,164 |
| Core capital (leverage) ratio | 9.9421% | 3,628 |
| Tier 1 risk-based capital ratio | 12.7577% | 4,343 |
| Total risk-based capital ratio | 13.8499% | 4,359 |
| Memoranda: | ||
| Average total assets | $91,638,670 | 4,592 |
| Average earning assets | $82,652,330 | 4,611 |
| Average equity | $9,009,000 | 4,839 |
| Average total loans | $73,157,670 | 4,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,036 |
| Cost of funding earning assets | 0.2354% | 4,853 |
| Net interest margin | 4.0931% | 1,359 |
| Noninterest income to average assets | 0.4723% | 3,328 |
| Noninterest expense to average assets | 2.5478% | 3,919 |
| Loan and lease loss provision to assets | 0.1950% | 1,017 |
| Net operating income to assets | 1.3476% | 1,138 |
| Return on assets (ROA) | 1.3476% | 1,212 |
| Pretax return on assets | 1.4212% | 1,839 |
| Return on Equity (ROE) | 13.8569% | 862 |
| Retained earnings to average equity (ytd only) | 2.4951% | 4,257 |
| Net charge-offs to loans | -0.2131% | 5,867 |
| Credit loss provision to net charge-offs | -112.5000% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1863% | 4,571 |
| Assets per employee ($millions) | 4.5734% | 2,947 |
| Cash dividends to net income (ytd only)* | 81.9936% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 4,444 |
| Loan loss allowance to noncurrent loans | 2,018.9189% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,466 |
| Noncurrent loans to loans | 0.0510% | 5,286 |
| Net loans and leases to total assets | 78.4624% | 1,032 |
| Net loans and leases to deposits | 87.2093% | 1,918 |
| Net loans and leases to core deposits | 91.1050% | 2,267 |
| Total domestic deposits to total assets | 89.9703% | 610 |
| Equity capital to assets | 9.8504% | 4,270 |
| Core capital (leverage) ratio | 9.7383% | 3,859 |
| Tier 1 risk-based capital ratio | 12.1770% | 4,794 |
| Total risk-based capital ratio | 13.1882% | 4,866 |
| Memoranda: | ||
| Average total assets | $92,314,500 | 4,611 |
| Average earning assets | $83,262,000 | 4,640 |
| Average equity | $8,977,500 | 4,866 |
| Average total loans | $75,072,000 | 3,995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,529 |
| Cost of funding earning assets | 0.2492% | 4,794 |
| Net interest margin | 3.9594% | 1,846 |
| Noninterest income to average assets | 0.4811% | 3,457 |
| Noninterest expense to average assets | 2.4517% | 4,380 |
| Loan and lease loss provision to assets | 0.0861% | 2,573 |
| Net operating income to assets | 1.4745% | 908 |
| Return on assets (ROA) | 1.4745% | 939 |
| Pretax return on assets | 1.5519% | 1,399 |
| Return on Equity (ROE) | 15.4774% | 615 |
| Retained earnings to average equity (ytd only) | 1.6155% | 4,800 |
| Net charge-offs to loans | 0.4009% | 711 |
| Credit loss provision to net charge-offs | 26.2295% | 3,692 |
| Earnings coverage of net charge-offs (x) | 4.9902% | 3,454 |
| Efficiency ratio | 59.9474% | 4,913 |
| Assets per employee ($millions) | 5.1756% | 2,148 |
| Cash dividends to net income (ytd only)* | 89.5620% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 5,260 |
| Loan loss allowance to noncurrent loans | 1,067.7419% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,372 |
| Noncurrent loans to loans | 0.0799% | 5,180 |
| Net loans and leases to total assets | 82.6172% | 533 |
| Net loans and leases to deposits | 91.5141% | 1,453 |
| Net loans and leases to core deposits | 95.8040% | 1,870 |
| Total domestic deposits to total assets | 90.2781% | 509 |
| Equity capital to assets | 9.6017% | 4,432 |
| Core capital (leverage) ratio | 9.5938% | 4,052 |
| Tier 1 risk-based capital ratio | 11.0852% | 5,475 |
| Total risk-based capital ratio | 11.9061% | 5,617 |
| Memoranda: | ||
| Average total assets | $92,915,400 | 4,606 |
| Average earning assets | $84,685,400 | 4,616 |
| Average equity | $8,851,600 | 4,880 |
| Average total loans | $76,075,400 | 3,937 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 2,638 |
| Cost of funding earning assets | 0.2520% | 4,864 |
| Net interest margin | 3.9298% | 1,934 |
| Noninterest income to average assets | 0.5313% | 3,156 |
| Noninterest expense to average assets | 2.4927% | 4,216 |
| Loan and lease loss provision to assets | 0.0646% | 2,892 |
| Net operating income to assets | 1.4790% | 952 |
| Return on assets (ROA) | 1.4790% | 990 |
| Pretax return on assets | 1.5565% | 1,517 |
| Return on Equity (ROE) | 15.5557% | 659 |
| Retained earnings to average equity (ytd only) | 1.3290% | 5,187 |
| Net charge-offs to loans | 0.3347% | 781 |
| Credit loss provision to net charge-offs | 23.6842% | 3,333 |
| Earnings coverage of net charge-offs (x) | 5.9421% | 3,129 |
| Efficiency ratio | 60.5934% | 4,802 |
| Assets per employee ($millions) | 4.7866% | 2,580 |
| Cash dividends to net income (ytd only)* | 91.4563% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,885 |
| Loan loss allowance to noncurrent loans | 235.8730% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 3,841 |
| Noncurrent loans to loans | 0.4119% | 4,130 |
| Net loans and leases to total assets | 83.2637% | 447 |
| Net loans and leases to deposits | 92.5010% | 1,356 |
| Net loans and leases to core deposits | 96.9702% | 1,800 |
| Total domestic deposits to total assets | 90.0139% | 559 |
| Equity capital to assets | 9.7761% | 4,414 |
| Core capital (leverage) ratio | 9.5691% | 4,209 |
| Tier 1 risk-based capital ratio | 10.9554% | 5,678 |
| Total risk-based capital ratio | 11.8714% | 5,757 |
| Memoranda: | ||
| Average total assets | $92,854,000 | 4,656 |
| Average earning assets | $84,649,250 | 4,675 |
| Average equity | $8,828,250 | 4,947 |
| Average total loans | $75,687,000 | 3,986 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 2,843 |
| Cost of funding earning assets | 0.2518% | 4,919 |
| Net interest margin | 3.8636% | 2,088 |
| Noninterest income to average assets | 0.4792% | 3,507 |
| Noninterest expense to average assets | 2.4195% | 4,487 |
| Loan and lease loss provision to assets | 0.0642% | 2,836 |
| Net operating income to assets | 1.4333% | 1,029 |
| Return on assets (ROA) | 1.4333% | 1,065 |
| Pretax return on assets | 1.5082% | 1,626 |
| Return on Equity (ROE) | 15.2146% | 710 |
| Retained earnings to average equity (ytd only) | 0.9538% | 5,191 |
| Net charge-offs to loans | -0.0159% | 5,085 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6109% | 4,893 |
| Assets per employee ($millions) | 5.0249% | 2,246 |
| Cash dividends to net income (ytd only)* | 93.7313% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 3,515 |
| Loan loss allowance to noncurrent loans | 155.8179% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 2,896 |
| Noncurrent loans to loans | 0.8015% | 3,111 |
| Net loans and leases to total assets | 80.7746% | 701 |
| Net loans and leases to deposits | 89.7255% | 1,634 |
| Net loans and leases to core deposits | 93.8157% | 1,976 |
| Total domestic deposits to total assets | 90.0241% | 656 |
| Equity capital to assets | 9.7647% | 4,324 |
| Core capital (leverage) ratio | 9.4564% | 4,329 |
| Tier 1 risk-based capital ratio | 11.2150% | 5,613 |
| Total risk-based capital ratio | 12.3874% | 5,571 |
| Memoranda: | ||
| Average total assets | $93,490,000 | 4,691 |
| Average earning assets | $84,998,000 | 4,709 |
| Average equity | $8,807,330 | 4,987 |
| Average total loans | $75,426,670 | 4,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 2,884 |
| Cost of funding earning assets | 0.2535% | 4,985 |
| Net interest margin | 3.8347% | 2,116 |
| Noninterest income to average assets | 0.4463% | 3,659 |
| Noninterest expense to average assets | 2.3576% | 4,714 |
| Loan and lease loss provision to assets | 0.0632% | 2,665 |
| Net operating income to assets | 1.4525% | 933 |
| Return on assets (ROA) | 1.4525% | 996 |
| Pretax return on assets | 1.5282% | 1,470 |
| Return on Equity (ROE) | 15.6907% | 603 |
| Retained earnings to average equity (ytd only) | 1.4099% | 4,919 |
| Net charge-offs to loans | -0.0158% | 4,937 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7015% | 5,130 |
| Assets per employee ($millions) | 5.3779% | 1,919 |
| Cash dividends to net income (ytd only)* | 91.0145% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 3,802 |
| Loan loss allowance to noncurrent loans | 100.3319% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0971% | 2,437 |
| Noncurrent loans to loans | 1.2232% | 2,328 |
| Net loans and leases to total assets | 75.4109% | 1,290 |
| Net loans and leases to deposits | 83.1303% | 2,190 |
| Net loans and leases to core deposits | 87.1444% | 2,417 |
| Total domestic deposits to total assets | 90.7141% | 464 |
| Equity capital to assets | 9.1134% | 5,179 |
| Core capital (leverage) ratio | 9.2864% | 4,598 |
| Tier 1 risk-based capital ratio | 11.0214% | 5,799 |
| Total risk-based capital ratio | 12.1537% | 5,778 |
| Memoranda: | ||
| Average total assets | $95,011,000 | 4,688 |
| Average earning assets | $86,786,500 | 4,700 |
| Average equity | $8,795,000 | 5,038 |
| Average total loans | $76,148,500 | 4,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,844 |
| Cost of funding earning assets | 0.2996% | 4,805 |
| Net interest margin | 3.9317% | 2,115 |
| Noninterest income to average assets | 0.5020% | 3,492 |
| Noninterest expense to average assets | 2.5014% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5028% | 874 |
| Return on assets (ROA) | 1.5028% | 911 |
| Pretax return on assets | 1.5817% | 1,291 |
| Return on Equity (ROE) | 16.3539% | 574 |
| Retained earnings to average equity (ytd only) | 1.7862% | 4,916 |
| Net charge-offs to loans | 0.1049% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.7848% | 1,822 |
| Efficiency ratio | 61.2634% | 5,026 |
| Assets per employee ($millions) | 4.9063% | 2,446 |
| Cash dividends to net income (ytd only)* | 89.0780% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 4,375 |
| Loan loss allowance to noncurrent loans | 1,776.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 4,916 |
| Noncurrent loans to loans | 0.0638% | 5,623 |
| Net loans and leases to total assets | 83.1397% | 417 |
| Net loans and leases to deposits | 92.3280% | 1,257 |
| Net loans and leases to core deposits | 96.6962% | 1,663 |
| Total domestic deposits to total assets | 90.0482% | 711 |
| Equity capital to assets | 9.4058% | 4,833 |
| Core capital (leverage) ratio | 9.3727% | 4,439 |
| Tier 1 risk-based capital ratio | 10.9928% | 5,911 |
| Total risk-based capital ratio | 12.1025% | 5,897 |
| Memoranda: | ||
| Average total assets | $93,826,000 | 4,761 |
| Average earning assets | $85,458,200 | 4,749 |
| Average equity | $8,621,800 | 5,060 |
| Average total loans | $75,327,000 | 4,008 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,017 |
| Cost of funding earning assets | 0.3081% | 4,806 |
| Net interest margin | 3.8847% | 2,305 |
| Noninterest income to average assets | 0.4980% | 3,564 |
| Noninterest expense to average assets | 2.4643% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4797% | 978 |
| Return on assets (ROA) | 1.4797% | 1,005 |
| Pretax return on assets | 1.5578% | 1,458 |
| Return on Equity (ROE) | 16.1979% | 658 |
| Retained earnings to average equity (ytd only) | 1.5685% | 5,261 |
| Net charge-offs to loans | 0.1466% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.3903% | 2,231 |
| Efficiency ratio | 61.2698% | 4,992 |
| Assets per employee ($millions) | 4.8393% | 2,461 |
| Cash dividends to net income (ytd only)* | 90.3166% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 4,473 |
| Loan loss allowance to noncurrent loans | 789.2857% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 4,872 |
| Noncurrent loans to loans | 0.1464% | 5,477 |
| Net loans and leases to total assets | 82.2276% | 491 |
| Net loans and leases to deposits | 91.0377% | 1,320 |
| Net loans and leases to core deposits | 94.6862% | 1,784 |
| Total domestic deposits to total assets | 90.3226% | 604 |
| Equity capital to assets | 9.4534% | 4,852 |
| Core capital (leverage) ratio | 9.1894% | 4,806 |
| Tier 1 risk-based capital ratio | 11.0979% | 5,951 |
| Total risk-based capital ratio | 12.2197% | 5,953 |
| Memoranda: | ||
| Average total assets | $93,977,750 | 4,802 |
| Average earning assets | $85,255,250 | 4,809 |
| Average equity | $8,585,250 | 5,111 |
| Average total loans | $74,561,250 | 4,062 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 3,249 |
| Cost of funding earning assets | 0.3112% | 4,862 |
| Net interest margin | 3.8119% | 2,525 |
| Noninterest income to average assets | 0.4839% | 3,605 |
| Noninterest expense to average assets | 2.4827% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3713% | 1,132 |
| Return on assets (ROA) | 1.3713% | 1,171 |
| Pretax return on assets | 1.4431% | 1,738 |
| Return on Equity (ROE) | 15.1819% | 766 |
| Retained earnings to average equity (ytd only) | 0.4912% | 5,544 |
| Net charge-offs to loans | -0.0244% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2400% | 4,811 |
| Assets per employee ($millions) | 5.5218% | 1,679 |
| Cash dividends to net income (ytd only)* | 96.7643% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,852 |
| Loan loss allowance to noncurrent loans | 298.7730% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,992 |
| Noncurrent loans to loans | 0.4351% | 4,683 |
| Net loans and leases to total assets | 78.7858% | 816 |
| Net loans and leases to deposits | 86.9162% | 1,720 |
| Net loans and leases to core deposits | 90.4551% | 2,080 |
| Total domestic deposits to total assets | 90.6457% | 528 |
| Equity capital to assets | 9.1594% | 5,146 |
| Core capital (leverage) ratio | 8.9930% | 5,027 |
| Tier 1 risk-based capital ratio | 11.2864% | 5,909 |
| Total risk-based capital ratio | 12.5368% | 5,856 |
| Memoranda: | ||
| Average total assets | $94,655,000 | 4,807 |
| Average earning assets | $85,469,000 | 4,840 |
| Average equity | $8,549,670 | 5,148 |
| Average total loans | $73,918,670 | 4,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,522 |
| Cost of funding earning assets | 0.3118% | 4,951 |
| Net interest margin | 3.7281% | 2,756 |
| Noninterest income to average assets | 0.4756% | 3,597 |
| Noninterest expense to average assets | 2.4788% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3004% | 1,206 |
| Return on assets (ROA) | 1.3004% | 1,253 |
| Pretax return on assets | 1.3677% | 1,858 |
| Return on Equity (ROE) | 14.4977% | 859 |
| Retained earnings to average equity (ytd only) | -0.2346% | 5,604 |
| Net charge-offs to loans | -0.0163% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4420% | 4,792 |
| Assets per employee ($millions) | 5.0708% | 2,160 |
| Cash dividends to net income (ytd only)* | 101.6181% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 3,857 |
| Loan loss allowance to noncurrent loans | 289.2537% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 5,113 |
| Noncurrent loans to loans | 0.4662% | 4,759 |
| Net loans and leases to total assets | 73.5721% | 1,333 |
| Net loans and leases to deposits | 80.8714% | 2,178 |
| Net loans and leases to core deposits | 83.8128% | 2,539 |
| Total domestic deposits to total assets | 90.9741% | 578 |
| Equity capital to assets | 8.8650% | 5,259 |
| Core capital (leverage) ratio | 8.9340% | 5,094 |
| Tier 1 risk-based capital ratio | 11.6531% | 5,836 |
| Total risk-based capital ratio | 12.9037% | 5,780 |
| Memoranda: | ||
| Average total assets | $95,047,000 | 4,839 |
| Average earning assets | $85,941,000 | 4,867 |
| Average equity | $8,525,500 | 5,174 |
| Average total loans | $73,412,500 | 4,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,664 |
| Cost of funding earning assets | 0.6921% | 1,876 |
| Net interest margin | 3.6864% | 3,109 |
| Noninterest income to average assets | 0.4039% | 4,417 |
| Noninterest expense to average assets | 2.3592% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3135% | 1,217 |
| Return on assets (ROA) | 1.3135% | 1,255 |
| Pretax return on assets | 1.3832% | 1,853 |
| Return on Equity (ROE) | 14.4205% | 866 |
| Retained earnings to average equity (ytd only) | 2.4230% | 4,525 |
| Net charge-offs to loans | -0.0355% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0404% | 5,053 |
| Assets per employee ($millions) | 4.9342% | 2,259 |
| Cash dividends to net income (ytd only)* | 83.1974% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 4,195 |
| Loan loss allowance to noncurrent loans | 292.7273% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 5,206 |
| Noncurrent loans to loans | 0.4402% | 4,901 |
| Net loans and leases to total assets | 78.9416% | 723 |
| Net loans and leases to deposits | 86.9464% | 1,583 |
| Net loans and leases to core deposits | 89.9300% | 2,037 |
| Total domestic deposits to total assets | 90.7935% | 660 |
| Equity capital to assets | 9.0774% | 4,944 |
| Core capital (leverage) ratio | 9.2057% | 4,714 |
| Tier 1 risk-based capital ratio | 11.2156% | 6,070 |
| Total risk-based capital ratio | 12.4651% | 6,016 |
| Memoranda: | ||
| Average total assets | $93,335,000 | 4,900 |
| Average earning assets | $84,526,000 | 4,920 |
| Average equity | $8,501,800 | 5,211 |
| Average total loans | $73,166,000 | 4,160 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 2,626 |
| Cost of funding earning assets | 0.8126% | 1,262 |
| Net interest margin | 3.5770% | 3,548 |
| Noninterest income to average assets | 0.4133% | 4,424 |
| Noninterest expense to average assets | 2.3439% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2456% | 1,497 |
| Return on assets (ROA) | 1.2456% | 1,568 |
| Pretax return on assets | 1.3114% | 2,295 |
| Return on Equity (ROE) | 13.6628% | 1,081 |
| Retained earnings to average equity (ytd only) | 1.6628% | 5,312 |
| Net charge-offs to loans | -0.0403% | 6,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1236% | 4,780 |
| Assets per employee ($millions) | 4.7441% | 2,517 |
| Cash dividends to net income (ytd only)* | 87.8300% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,221 |
| Loan loss allowance to noncurrent loans | 287.1642% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 5,295 |
| Noncurrent loans to loans | 0.4644% | 5,031 |
| Net loans and leases to total assets | 78.9634% | 651 |
| Net loans and leases to deposits | 87.3186% | 1,455 |
| Net loans and leases to core deposits | 91.9290% | 1,771 |
| Total domestic deposits to total assets | 90.4313% | 772 |
| Equity capital to assets | 9.3435% | 4,751 |
| Core capital (leverage) ratio | 9.0683% | 5,012 |
| Tier 1 risk-based capital ratio | 11.6381% | 5,991 |
| Total risk-based capital ratio | 12.8885% | 5,950 |
| Memoranda: | ||
| Average total assets | $93,231,500 | 4,950 |
| Average earning assets | $84,501,250 | 4,964 |
| Average equity | $8,499,750 | 5,272 |
| Average total loans | $72,714,250 | 4,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,747 |
| Cost of funding earning assets | 0.4835% | 4,050 |
| Net interest margin | 3.8701% | 2,311 |
| Noninterest income to average assets | 0.3925% | 4,577 |
| Noninterest expense to average assets | 2.3954% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4216% | 1,034 |
| Return on assets (ROA) | 1.4216% | 1,121 |
| Pretax return on assets | 1.4958% | 1,626 |
| Return on Equity (ROE) | 15.7172% | 702 |
| Retained earnings to average equity (ytd only) | 3.7534% | 3,910 |
| Net charge-offs to loans | -0.0466% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5594% | 5,236 |
| Assets per employee ($millions) | 4.9266% | 2,192 |
| Cash dividends to net income (ytd only)* | 76.1194% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,002 |
| Loan loss allowance to noncurrent loans | 271.8750% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 5,350 |
| Noncurrent loans to loans | 0.5178% | 4,975 |
| Net loans and leases to total assets | 71.5977% | 1,639 |
| Net loans and leases to deposits | 80.9887% | 2,182 |
| Net loans and leases to core deposits | 86.5677% | 2,282 |
| Total domestic deposits to total assets | 88.4045% | 1,981 |
| Equity capital to assets | 9.1320% | 5,060 |
| Core capital (leverage) ratio | 8.9092% | 5,130 |
| Tier 1 risk-based capital ratio | 12.1634% | 5,705 |
| Total risk-based capital ratio | 13.4142% | 5,644 |
| Memoranda: | ||
| Average total assets | $94,262,670 | 4,958 |
| Average earning assets | $85,217,000 | 4,974 |
| Average equity | $8,525,670 | 5,301 |
| Average total loans | $72,906,330 | 4,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,094 |
| Cost of funding earning assets | 0.4961% | 4,128 |
| Net interest margin | 4.0249% | 1,695 |
| Noninterest income to average assets | 0.3890% | 4,543 |
| Noninterest expense to average assets | 2.4231% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5223% | 822 |
| Return on assets (ROA) | 1.5223% | 895 |
| Pretax return on assets | 1.6027% | 1,302 |
| Return on Equity (ROE) | 16.9123% | 517 |
| Retained earnings to average equity (ytd only) | 4.9328% | 3,275 |
| Net charge-offs to loans | -0.0849% | 6,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1891% | 5,561 |
| Assets per employee ($millions) | 4.8068% | 2,478 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,471 |
| Loan loss allowance to noncurrent loans | 242.0253% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 5,370 |
| Noncurrent loans to loans | 0.5573% | 5,046 |
| Net loans and leases to total assets | 72.7279% | 1,243 |
| Net loans and leases to deposits | 81.9526% | 1,839 |
| Net loans and leases to core deposits | 85.1255% | 2,203 |
| Total domestic deposits to total assets | 88.7440% | 1,839 |
| Equity capital to assets | 8.9083% | 5,607 |
| Core capital (leverage) ratio | 9.0705% | 4,767 |
| Tier 1 risk-based capital ratio | 11.5698% | 6,144 |
| Total risk-based capital ratio | 12.8171% | 6,119 |
| Memoranda: | ||
| Average total assets | $94,591,500 | 4,988 |
| Average earning assets | $85,468,500 | 4,998 |
| Average equity | $8,514,500 | 5,358 |
| Average total loans | $75,371,500 | 4,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 2,415 |
| Cost of funding earning assets | 0.7610% | 3,008 |
| Net interest margin | 3.9840% | 2,468 |
| Noninterest income to average assets | 0.4286% | 4,392 |
| Noninterest expense to average assets | 2.4650% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4678% | 977 |
| Return on assets (ROA) | 1.4868% | 1,044 |
| Pretax return on assets | 1.5645% | 1,478 |
| Return on Equity (ROE) | 16.1922% | 635 |
| Retained earnings to average equity (ytd only) | 4.3413% | 3,175 |
| Net charge-offs to loans | 0.0179% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 363 |
| Efficiency ratio | 61.4788% | 5,316 |
| Assets per employee ($millions) | 4.6524% | 2,698 |
| Cash dividends to net income (ytd only)* | 73.1889% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 5,228 |
| Loan loss allowance to noncurrent loans | 207.0485% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 5,249 |
| Noncurrent loans to loans | 0.5684% | 5,109 |
| Net loans and leases to total assets | 84.8272% | 182 |
| Net loans and leases to deposits | 95.8354% | 624 |
| Net loans and leases to core deposits | 103.1751% | 828 |
| Total domestic deposits to total assets | 88.5135% | 1,895 |
| Equity capital to assets | 9.0975% | 5,405 |
| Core capital (leverage) ratio | 8.9115% | 5,031 |
| Tier 1 risk-based capital ratio | 10.5503% | 6,535 |
| Total risk-based capital ratio | 11.7256% | 6,537 |
| Memoranda: | ||
| Average total assets | $90,059,200 | 5,081 |
| Average earning assets | $80,948,400 | 5,102 |
| Average equity | $8,269,400 | 5,426 |
| Average total loans | $72,648,400 | 4,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 2,909 |
| Cost of funding earning assets | 0.8076% | 2,878 |
| Net interest margin | 3.8667% | 3,045 |
| Noninterest income to average assets | 0.4225% | 4,460 |
| Noninterest expense to average assets | 2.4438% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3793% | 1,270 |
| Return on assets (ROA) | 1.4048% | 1,333 |
| Pretax return on assets | 1.4794% | 1,958 |
| Return on Equity (ROE) | 15.2623% | 855 |
| Retained earnings to average equity (ytd only) | 3.3412% | 4,518 |
| Net charge-offs to loans | 0.0734% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 24.9481% | 1,262 |
| Efficiency ratio | 62.7203% | 5,029 |
| Assets per employee ($millions) | 4.6862% | 2,618 |
| Cash dividends to net income (ytd only)* | 78.1085% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 5,041 |
| Loan loss allowance to noncurrent loans | 155.9727% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 5,106 |
| Noncurrent loans to loans | 0.8022% | 4,805 |
| Net loans and leases to total assets | 76.9675% | 849 |
| Net loans and leases to deposits | 87.3562% | 1,435 |
| Net loans and leases to core deposits | 92.3259% | 1,749 |
| Total domestic deposits to total assets | 88.1076% | 1,983 |
| Equity capital to assets | 8.8739% | 5,951 |
| Core capital (leverage) ratio | 9.0410% | 4,997 |
| Tier 1 risk-based capital ratio | 11.1471% | 6,420 |
| Total risk-based capital ratio | 12.3769% | 6,400 |
| Memoranda: | ||
| Average total assets | $89,312,000 | 5,163 |
| Average earning assets | $80,237,750 | 5,172 |
| Average equity | $8,220,500 | 5,492 |
| Average total loans | $70,843,000 | 4,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,244 |
| Cost of funding earning assets | 0.7240% | 3,815 |
| Net interest margin | 3.9032% | 2,890 |
| Noninterest income to average assets | 0.4235% | 4,472 |
| Noninterest expense to average assets | 2.4931% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4048% | 1,187 |
| Return on assets (ROA) | 1.4048% | 1,321 |
| Pretax return on assets | 1.4777% | 1,931 |
| Return on Equity (ROE) | 15.0702% | 928 |
| Retained earnings to average equity (ytd only) | 3.1020% | 4,571 |
| Net charge-offs to loans | -0.0143% | 6,357 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7867% | 5,119 |
| Assets per employee ($millions) | 4.5217% | 2,864 |
| Cash dividends to net income (ytd only)* | 79.4165% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,607 |
| Loan loss allowance to noncurrent loans | 180.7547% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 5,303 |
| Noncurrent loans to loans | 0.7532% | 5,002 |
| Net loans and leases to total assets | 76.7518% | 873 |
| Net loans and leases to deposits | 88.7992% | 1,280 |
| Net loans and leases to core deposits | 92.8660% | 1,698 |
| Total domestic deposits to total assets | 86.4330% | 3,115 |
| Equity capital to assets | 9.1239% | 5,556 |
| Core capital (leverage) ratio | 8.9952% | 4,925 |
| Tier 1 risk-based capital ratio | 11.4627% | 6,239 |
| Total risk-based capital ratio | 12.7142% | 6,213 |
| Memoranda: | ||
| Average total assets | $87,841,330 | 5,228 |
| Average earning assets | $79,832,000 | 5,210 |
| Average equity | $8,188,330 | 5,517 |
| Average total loans | $70,107,000 | 4,413 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 2,682 |
| Cost of funding earning assets | 0.7414% | 3,934 |
| Net interest margin | 4.0475% | 2,311 |
| Noninterest income to average assets | 0.3559% | 5,021 |
| Noninterest expense to average assets | 2.5466% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4189% | 1,185 |
| Return on assets (ROA) | 1.4189% | 1,330 |
| Pretax return on assets | 1.4929% | 1,890 |
| Return on Equity (ROE) | 15.0546% | 961 |
| Retained earnings to average equity (ytd only) | 3.0403% | 4,732 |
| Net charge-offs to loans | -0.0171% | 6,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0435% | 5,094 |
| Assets per employee ($millions) | 4.3744% | 3,247 |
| Cash dividends to net income (ytd only)* | 79.8046% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 4,708 |
| Loan loss allowance to noncurrent loans | 173.8182% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 5,317 |
| Noncurrent loans to loans | 0.7913% | 5,091 |
| Net loans and leases to total assets | 78.3502% | 554 |
| Net loans and leases to deposits | 90.9956% | 871 |
| Net loans and leases to core deposits | 95.6452% | 1,323 |
| Total domestic deposits to total assets | 86.1032% | 3,468 |
| Equity capital to assets | 9.3590% | 5,016 |
| Core capital (leverage) ratio | 9.5370% | 3,998 |
| Tier 1 risk-based capital ratio | 11.6153% | 6,212 |
| Total risk-based capital ratio | 12.8667% | 6,188 |
| Memoranda: | ||
| Average total assets | $86,545,500 | 5,304 |
| Average earning assets | $78,765,500 | 5,276 |
| Average equity | $8,157,000 | 5,545 |
| Average total loans | $69,977,000 | 4,452 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 2,125 |
| Cost of funding earning assets | 0.9485% | 3,733 |
| Net interest margin | 4.2377% | 1,932 |
| Noninterest income to average assets | 0.4664% | 4,082 |
| Noninterest expense to average assets | 2.6835% | 4,808 |
| Loan and lease loss provision to assets | 0.0122% | 6,385 |
| Net operating income to assets | 1.5917% | 674 |
| Return on assets (ROA) | 1.6184% | 697 |
| Pretax return on assets | 1.7041% | 982 |
| Return on Equity (ROE) | 16.7291% | 503 |
| Retained earnings to average equity (ytd only) | 4.5809% | 2,917 |
| Net charge-offs to loans | -0.0506% | 7,054 |
| Credit loss provision to net charge-offs | -30.3030% | 6,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3834% | 5,552 |
| Assets per employee ($millions) | 4.2802% | 3,301 |
| Cash dividends to net income (ytd only)* | 72.6172% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,654 |
| Loan loss allowance to noncurrent loans | 159.3645% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 5,245 |
| Noncurrent loans to loans | 0.8488% | 4,990 |
| Net loans and leases to total assets | 81.1864% | 394 |
| Net loans and leases to deposits | 98.4851% | 528 |
| Net loans and leases to core deposits | 101.2323% | 1,076 |
| Total domestic deposits to total assets | 82.4352% | 4,987 |
| Equity capital to assets | 9.4927% | 4,901 |
| Core capital (leverage) ratio | 9.7103% | 3,735 |
| Tier 1 risk-based capital ratio | 11.1876% | 6,355 |
| Total risk-based capital ratio | 12.4380% | 6,333 |
| Memoranda: | ||
| Average total assets | $81,685,600 | 5,416 |
| Average earning assets | $75,276,000 | 5,365 |
| Average equity | $7,902,400 | 5,598 |
| Average total loans | $65,237,200 | 4,666 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 2,292 |
| Cost of funding earning assets | 1.0002% | 3,674 |
| Net interest margin | 4.1762% | 2,188 |
| Noninterest income to average assets | 0.5270% | 3,677 |
| Noninterest expense to average assets | 2.7011% | 4,720 |
| Loan and lease loss provision to assets | 0.0165% | 6,227 |
| Net operating income to assets | 1.5827% | 795 |
| Return on assets (ROA) | 1.5827% | 870 |
| Pretax return on assets | 1.6653% | 1,213 |
| Return on Equity (ROE) | 16.2786% | 640 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,849 |
| Net charge-offs to loans | -0.0605% | 7,085 |
| Credit loss provision to net charge-offs | -34.4828% | 6,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6283% | 5,471 |
| Assets per employee ($millions) | 4.0638% | 3,708 |
| Cash dividends to net income (ytd only)* | 75.1570% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,209 |
| Loan loss allowance to noncurrent loans | 164.1869% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,374 |
| Noncurrent loans to loans | 0.9010% | 5,065 |
| Net loans and leases to total assets | 77.7647% | 732 |
| Net loans and leases to deposits | 93.9850% | 840 |
| Net loans and leases to core deposits | 96.7383% | 1,533 |
| Total domestic deposits to total assets | 82.7415% | 4,780 |
| Equity capital to assets | 9.8492% | 4,552 |
| Core capital (leverage) ratio | 9.7308% | 3,803 |
| Tier 1 risk-based capital ratio | 11.8632% | 5,992 |
| Total risk-based capital ratio | 13.1129% | 5,974 |
| Memoranda: | ||
| Average total assets | $80,706,250 | 5,485 |
| Average earning assets | $74,514,750 | 5,431 |
| Average equity | $7,846,500 | 5,647 |
| Average total loans | $63,933,750 | 4,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 2,392 |
| Cost of funding earning assets | 1.0125% | 3,870 |
| Net interest margin | 4.1547% | 2,215 |
| Noninterest income to average assets | 0.4744% | 4,068 |
| Noninterest expense to average assets | 2.7050% | 4,803 |
| Loan and lease loss provision to assets | 0.0248% | 5,988 |
| Net operating income to assets | 1.5078% | 873 |
| Return on assets (ROA) | 1.5078% | 931 |
| Pretax return on assets | 1.5873% | 1,278 |
| Return on Equity (ROE) | 15.5767% | 708 |
| Retained earnings to average equity (ytd only) | 3.2591% | 4,189 |
| Net charge-offs to loans | -0.0814% | 7,118 |
| Credit loss provision to net charge-offs | -38.4615% | 6,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6582% | 5,466 |
| Assets per employee ($millions) | 4.1202% | 3,513 |
| Cash dividends to net income (ytd only)* | 79.0774% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,994 |
| Loan loss allowance to noncurrent loans | 262.7778% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 6,052 |
| Noncurrent loans to loans | 0.5814% | 5,766 |
| Net loans and leases to total assets | 73.9952% | 1,418 |
| Net loans and leases to deposits | 89.1708% | 1,358 |
| Net loans and leases to core deposits | 91.7331% | 2,168 |
| Total domestic deposits to total assets | 82.9814% | 4,763 |
| Equity capital to assets | 9.5954% | 4,665 |
| Core capital (leverage) ratio | 9.6677% | 3,708 |
| Tier 1 risk-based capital ratio | 12.0187% | 5,777 |
| Total risk-based capital ratio | 13.2751% | 5,733 |
| Memoranda: | ||
| Average total assets | $80,516,330 | 5,535 |
| Average earning assets | $74,470,330 | 5,479 |
| Average equity | $7,793,670 | 5,674 |
| Average total loans | $63,860,670 | 4,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 2,086 |
| Cost of funding earning assets | 1.0408% | 3,914 |
| Net interest margin | 4.2010% | 1,887 |
| Noninterest income to average assets | 0.4574% | 4,213 |
| Noninterest expense to average assets | 2.7346% | 4,701 |
| Loan and lease loss provision to assets | 0.0402% | 5,490 |
| Net operating income to assets | 1.4980% | 880 |
| Return on assets (ROA) | 1.4980% | 925 |
| Pretax return on assets | 1.5784% | 1,235 |
| Return on Equity (ROE) | 15.4065% | 757 |
| Retained earnings to average equity (ytd only) | 2.9986% | 4,369 |
| Net charge-offs to loans | -0.0185% | 6,544 |
| Credit loss provision to net charge-offs | -266.6667% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8176% | 5,553 |
| Assets per employee ($millions) | 3.9796% | 3,879 |
| Cash dividends to net income (ytd only)* | 80.5369% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 4,175 |
| Loan loss allowance to noncurrent loans | 111.6364% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 4,838 |
| Noncurrent loans to loans | 1.3499% | 4,459 |
| Net loans and leases to total assets | 75.6282% | 1,089 |
| Net loans and leases to deposits | 91.5568% | 1,061 |
| Net loans and leases to core deposits | 94.3081% | 1,850 |
| Total domestic deposits to total assets | 82.6025% | 5,066 |
| Equity capital to assets | 9.7460% | 4,114 |
| Core capital (leverage) ratio | 9.7081% | 3,507 |
| Tier 1 risk-based capital ratio | 12.1374% | 5,566 |
| Total risk-based capital ratio | 13.3894% | 5,556 |
| Memoranda: | ||
| Average total assets | $79,572,500 | 5,599 |
| Average earning assets | $73,792,500 | 5,545 |
| Average equity | $7,737,000 | 5,694 |
| Average total loans | $64,830,500 | 4,810 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6044% | 1,875 |
| Cost of funding earning assets | 1.3078% | 3,829 |
| Net interest margin | 4.2966% | 1,829 |
| Noninterest income to average assets | 0.5933% | 3,521 |
| Noninterest expense to average assets | 2.7577% | 4,749 |
| Loan and lease loss provision to assets | 0.0759% | 6,390 |
| Net operating income to assets | 1.6774% | 543 |
| Return on assets (ROA) | 1.6774% | 581 |
| Pretax return on assets | 1.7659% | 813 |
| Return on Equity (ROE) | 17.4727% | 433 |
| Retained earnings to average equity (ytd only) | 4.2957% | 2,832 |
| Net charge-offs to loans | -0.0357% | 7,418 |
| Credit loss provision to net charge-offs | -250.0000% | 7,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9560% | 6,057 |
| Assets per employee ($millions) | 3.9777% | 3,833 |
| Cash dividends to net income (ytd only)* | 75.4148% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 4,864 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 6,281 |
| Noncurrent loans to loans | 0.4595% | 6,128 |
| Net loans and leases to total assets | 85.0200% | 238 |
| Net loans and leases to deposits | 104.3943% | 386 |
| Net loans and leases to core deposits | 108.6051% | 1,007 |
| Total domestic deposits to total assets | 81.4413% | 5,374 |
| Equity capital to assets | 9.7005% | 4,132 |
| Core capital (leverage) ratio | 9.8802% | 3,232 |
| Tier 1 risk-based capital ratio | 10.9230% | 6,390 |
| Total risk-based capital ratio | 12.1729% | 6,362 |
| Memoranda: | ||
| Average total assets | $79,051,200 | 5,621 |
| Average earning assets | $73,709,600 | 5,548 |
| Average equity | $7,589,000 | 5,849 |
| Average total loans | $67,179,600 | 4,783 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5821% | 2,131 |
| Cost of funding earning assets | 1.3748% | 3,747 |
| Net interest margin | 4.2074% | 2,191 |
| Noninterest income to average assets | 0.6605% | 3,070 |
| Noninterest expense to average assets | 2.7316% | 4,748 |
| Loan and lease loss provision to assets | 0.0760% | 6,289 |
| Net operating income to assets | 1.7028% | 620 |
| Return on assets (ROA) | 1.7028% | 673 |
| Pretax return on assets | 1.7924% | 937 |
| Return on Equity (ROE) | 17.7844% | 498 |
| Retained earnings to average equity (ytd only) | 5.8752% | 2,427 |
| Net charge-offs to loans | 0.0020% | 6,652 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,108.7444% | 22 |
| Efficiency ratio | 59.3830% | 6,048 |
| Assets per employee ($millions) | 3.7491% | 4,394 |
| Cash dividends to net income (ytd only)* | 66.9643% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,758 |
| Loan loss allowance to noncurrent loans | 37.8755% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 3.0634% | 2,366 |
| Noncurrent loans to loans | 3.5352% | 2,223 |
| Net loans and leases to total assets | 85.4939% | 238 |
| Net loans and leases to deposits | 103.6007% | 453 |
| Net loans and leases to core deposits | 106.8933% | 1,246 |
| Total domestic deposits to total assets | 82.5225% | 4,789 |
| Equity capital to assets | 10.3011% | 3,764 |
| Core capital (leverage) ratio | 9.7217% | 3,592 |
| Tier 1 risk-based capital ratio | 11.8319% | 5,606 |
| Total risk-based capital ratio | 13.0834% | 5,583 |
| Memoranda: | ||
| Average total assets | $78,925,750 | 5,693 |
| Average earning assets | $73,900,500 | 5,608 |
| Average equity | $7,557,000 | 5,926 |
| Average total loans | $66,838,000 | 4,874 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 2,415 |
| Cost of funding earning assets | 1.4128% | 3,793 |
| Net interest margin | 4.1136% | 2,494 |
| Noninterest income to average assets | 0.6730% | 2,865 |
| Noninterest expense to average assets | 2.6994% | 4,907 |
| Loan and lease loss provision to assets | 0.0748% | 6,197 |
| Net operating income to assets | 1.6725% | 614 |
| Return on assets (ROA) | 1.6725% | 661 |
| Pretax return on assets | 1.7597% | 948 |
| Return on Equity (ROE) | 17.8902% | 471 |
| Retained earnings to average equity (ytd only) | 5.8923% | 2,399 |
| Net charge-offs to loans | 0.0119% | 6,178 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 187 |
| Efficiency ratio | 59.5382% | 6,134 |
| Assets per employee ($millions) | 4.0353% | 3,703 |
| Cash dividends to net income (ytd only)* | 67.0641% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,814 |
| Loan loss allowance to noncurrent loans | 35.4557% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9775% | 2,397 |
| Noncurrent loans to loans | 3.7196% | 2,097 |
| Net loans and leases to total assets | 78.9926% | 955 |
| Net loans and leases to deposits | 98.2023% | 855 |
| Net loans and leases to core deposits | 102.9271% | 1,741 |
| Total domestic deposits to total assets | 80.4386% | 5,580 |
| Equity capital to assets | 9.4319% | 4,816 |
| Core capital (leverage) ratio | 9.4523% | 3,891 |
| Tier 1 risk-based capital ratio | 11.5267% | 5,746 |
| Total risk-based capital ratio | 12.7699% | 5,727 |
| Memoranda: | ||
| Average total assets | $80,240,330 | 5,693 |
| Average earning assets | $75,312,000 | 5,595 |
| Average equity | $7,501,330 | 5,969 |
| Average total loans | $67,459,000 | 4,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6888% | 1,815 |
| Cost of funding earning assets | 1.4502% | 3,880 |
| Net interest margin | 4.2386% | 1,896 |
| Noninterest income to average assets | 0.5449% | 3,686 |
| Noninterest expense to average assets | 2.6747% | 5,033 |
| Loan and lease loss provision to assets | 0.0750% | 5,890 |
| Net operating income to assets | 1.6798% | 639 |
| Return on assets (ROA) | 1.6798% | 690 |
| Pretax return on assets | 1.7698% | 934 |
| Return on Equity (ROE) | 18.0500% | 513 |
| Retained earnings to average equity (ytd only) | 5.9629% | 2,637 |
| Net charge-offs to loans | 0.0406% | 5,008 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 52.7143% | 550 |
| Efficiency ratio | 59.1814% | 6,306 |
| Assets per employee ($millions) | 3.9686% | 3,951 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,142 |
| Loan loss allowance to noncurrent loans | 77.6536% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 4,488 |
| Noncurrent loans to loans | 1.6258% | 4,306 |
| Net loans and leases to total assets | 82.1761% | 576 |
| Net loans and leases to deposits | 103.1373% | 581 |
| Net loans and leases to core deposits | 107.1618% | 1,482 |
| Total domestic deposits to total assets | 79.6765% | 5,892 |
| Equity capital to assets | 9.4506% | 4,613 |
| Core capital (leverage) ratio | 9.4674% | 3,822 |
| Tier 1 risk-based capital ratio | 11.2575% | 5,895 |
| Total risk-based capital ratio | 12.4957% | 5,869 |
| Memoranda: | ||
| Average total assets | $80,008,000 | 5,767 |
| Average earning assets | $75,024,500 | 5,668 |
| Average equity | $7,446,000 | 6,037 |
| Average total loans | $68,887,000 | 4,902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 1,767 |
| Cost of funding earning assets | 1.9717% | 3,097 |
| Net interest margin | 4.0546% | 2,630 |
| Noninterest income to average assets | 0.6082% | 3,567 |
| Noninterest expense to average assets | 2.6057% | 5,784 |
| Loan and lease loss provision to assets | 1.2163% | 1,886 |
| Net operating income to assets | 0.5505% | 3,522 |
| Return on assets (ROA) | 0.5505% | 3,612 |
| Pretax return on assets | 0.5793% | 3,959 |
| Return on Equity (ROE) | 6.5417% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.2799% | 3,520 |
| Net charge-offs to loans | 1.1895% | 2,063 |
| Credit loss provision to net charge-offs | 118.1486% | 4,579 |
| Earnings coverage of net charge-offs (x) | 1.7442% | 4,420 |
| Efficiency ratio | 59.2023% | 6,591 |
| Assets per employee ($millions) | 4.0323% | 3,753 |
| Cash dividends to net income (ytd only)* | 65.1481% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,636 |
| Loan loss allowance to noncurrent loans | 112.3810% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 5,271 |
| Noncurrent loans to loans | 1.0249% | 5,264 |
| Net loans and leases to total assets | 87.9038% | 178 |
| Net loans and leases to deposits | 112.8498% | 296 |
| Net loans and leases to core deposits | 130.3772% | 1,259 |
| Total domestic deposits to total assets | 77.8945% | 6,243 |
| Equity capital to assets | 9.1649% | 4,893 |
| Core capital (leverage) ratio | 9.2689% | 4,026 |
| Tier 1 risk-based capital ratio | 10.2777% | 6,610 |
| Total risk-based capital ratio | 11.4263% | 6,677 |
| Memoranda: | ||
| Average total assets | $79,748,200 | 5,739 |
| Average earning assets | $74,606,800 | 5,649 |
| Average equity | $6,710,800 | 6,364 |
| Average total loans | $69,020,000 | 4,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0265% | 1,928 |
| Cost of funding earning assets | 2.0864% | 2,952 |
| Net interest margin | 3.9401% | 3,083 |
| Noninterest income to average assets | 0.6338% | 3,469 |
| Noninterest expense to average assets | 2.6356% | 5,576 |
| Loan and lease loss provision to assets | 1.4754% | 1,300 |
| Net operating income to assets | 0.2012% | 5,151 |
| Return on assets (ROA) | 0.2012% | 5,238 |
| Pretax return on assets | 0.2113% | 5,271 |
| Return on Equity (ROE) | 2.4462% | 5,011 |
| Retained earnings to average equity (ytd only) | -3.3839% | 6,004 |
| Net charge-offs to loans | 1.6075% | 1,268 |
| Credit loss provision to net charge-offs | 106.7961% | 4,759 |
| Earnings coverage of net charge-offs (x) | 1.2209% | 4,854 |
| Efficiency ratio | 60.9775% | 6,281 |
| Assets per employee ($millions) | 3.8988% | 3,947 |
| Cash dividends to net income (ytd only)* | 238.3250% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,817 |
| Loan loss allowance to noncurrent loans | 85.5309% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 4,882 |
| Noncurrent loans to loans | 1.2682% | 4,822 |
| Net loans and leases to total assets | 85.7251% | 367 |
| Net loans and leases to deposits | 108.3756% | 535 |
| Net loans and leases to core deposits | 125.9966% | 1,733 |
| Total domestic deposits to total assets | 79.1000% | 5,767 |
| Equity capital to assets | 8.5308% | 6,213 |
| Core capital (leverage) ratio | 8.2566% | 5,908 |
| Tier 1 risk-based capital ratio | 9.8138% | 7,127 |
| Total risk-based capital ratio | 10.8952% | 7,238 |
| Memoranda: | ||
| Average total assets | $79,524,000 | 5,783 |
| Average earning assets | $74,446,750 | 5,698 |
| Average equity | $6,540,750 | 6,469 |
| Average total loans | $68,346,000 | 4,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9662% | 2,319 |
| Cost of funding earning assets | 2.1373% | 3,100 |
| Net interest margin | 3.8290% | 3,421 |
| Noninterest income to average assets | 0.6047% | 3,650 |
| Noninterest expense to average assets | 2.7061% | 5,363 |
| Loan and lease loss provision to assets | 2.0490% | 789 |
| Net operating income to assets | -0.5372% | 6,584 |
| Return on assets (ROA) | -0.5372% | 6,595 |
| Pretax return on assets | -0.5647% | 6,491 |
| Return on Equity (ROE) | -6.6117% | 6,769 |
| Retained earnings to average equity (ytd only) | -14.2074% | 7,193 |
| Net charge-offs to loans | 2.4693% | 708 |
| Credit loss provision to net charge-offs | 96.8123% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.7013% | 5,017 |
| Efficiency ratio | 64.5796% | 5,791 |
| Assets per employee ($millions) | 4.0025% | 3,666 |
| Cash dividends to net income (ytd only)* | -114.8837% | 8,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,279 |
| Loan loss allowance to noncurrent loans | 105.8632% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 5,479 |
| Noncurrent loans to loans | 0.9413% | 5,339 |
| Net loans and leases to total assets | 80.6731% | 1,198 |
| Net loans and leases to deposits | 102.4413% | 1,039 |
| Net loans and leases to core deposits | 119.6310% | 2,404 |
| Total domestic deposits to total assets | 78.7505% | 5,878 |
| Equity capital to assets | 7.9401% | 6,817 |
| Core capital (leverage) ratio | 7.9411% | 6,431 |
| Tier 1 risk-based capital ratio | 9.6800% | 7,248 |
| Total risk-based capital ratio | 10.6700% | 7,422 |
| Memoranda: | ||
| Average total assets | $80,040,000 | 5,801 |
| Average earning assets | $74,955,000 | 5,713 |
| Average equity | $6,503,670 | 6,528 |
| Average total loans | $68,602,000 | 5,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 1,935 |
| Cost of funding earning assets | 2.2160% | 3,083 |
| Net interest margin | 3.8861% | 3,104 |
| Noninterest income to average assets | 0.5548% | 3,881 |
| Noninterest expense to average assets | 2.5089% | 5,805 |
| Loan and lease loss provision to assets | 3.3235% | 318 |
| Net operating income to assets | -1.5693% | 7,528 |
| Return on assets (ROA) | -1.5693% | 7,530 |
| Pretax return on assets | -1.6493% | 7,423 |
| Return on Equity (ROE) | -19.0954% | 7,733 |
| Retained earnings to average equity (ytd only) | -29.2512% | 7,849 |
| Net charge-offs to loans | -0.0455% | 7,666 |
| Credit loss provision to net charge-offs | -8,312.5000% | 6,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9761% | 6,412 |
| Assets per employee ($millions) | 3.9485% | 3,773 |
| Cash dividends to net income (ytd only)* | -53.1847% | 8,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 1,442 |
| Loan loss allowance to noncurrent loans | 87.7843% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9489% | 2,986 |
| Noncurrent loans to loans | 2.2677% | 2,902 |
| Net loans and leases to total assets | 84.2305% | 659 |
| Net loans and leases to deposits | 109.0909% | 660 |
| Net loans and leases to core deposits | 125.7653% | 1,933 |
| Total domestic deposits to total assets | 77.2113% | 6,226 |
| Equity capital to assets | 8.0247% | 6,769 |
| Core capital (leverage) ratio | 8.0437% | 6,392 |
| Tier 1 risk-based capital ratio | 9.3054% | 7,585 |
| Total risk-based capital ratio | 10.5639% | 7,552 |
| Memoranda: | ||
| Average total assets | $80,035,500 | 5,819 |
| Average earning assets | $74,728,000 | 5,741 |
| Average equity | $6,577,500 | 6,557 |
| Average total loans | $70,289,000 | 4,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0152% | 1,102 |
| Cost of funding earning assets | 2.7613% | 2,873 |
| Net interest margin | 4.2538% | 2,110 |
| Noninterest income to average assets | 0.6789% | 3,257 |
| Noninterest expense to average assets | 2.8217% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7346% | 628 |
| Return on assets (ROA) | 1.7346% | 601 |
| Pretax return on assets | 1.7870% | 970 |
| Return on Equity (ROE) | 21.2187% | 292 |
| Retained earnings to average equity (ytd only) | 7.6970% | 927 |
| Net charge-offs to loans | -0.0105% | 7,858 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2262% | 6,121 |
| Assets per employee ($millions) | 4.0551% | 3,401 |
| Cash dividends to net income (ytd only)* | 63.7255% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.8190% | 298 |
| Net loans and leases to deposits | 117.7912% | 448 |
| Net loans and leases to core deposits | 135.8107% | 1,495 |
| Total domestic deposits to total assets | 75.4038% | 6,368 |
| Equity capital to assets | 8.4067% | 6,239 |
| Core capital (leverage) ratio | 8.5599% | 5,465 |
| Tier 1 risk-based capital ratio | 9.3224% | 7,497 |
| Total risk-based capital ratio | 10.2480% | 7,783 |
| Memoranda: | ||
| Average total assets | $76,443,000 | 5,816 |
| Average earning assets | $70,618,400 | 5,796 |
| Average equity | $6,249,200 | 6,715 |
| Average total loans | $66,926,800 | 4,981 |