Home > First Farmers & Merchants National Bank > Performance and Condition Ratios
First Farmers & Merchants National 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 | 5.5862% | 1,047 |
| Cost of funding earning assets | 1.3870% | 2,263 |
| Net interest margin | 4.1992% | 934 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5256% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.2952% | 303 |
| Return on assets (ROA) | 2.2952% | 293 |
| Pretax return on assets | 1.7370% | 996 |
| Return on Equity (ROE) | 27.9200% | 214 |
| Retained earnings to average equity (ytd only) | 17.9398% | 197 |
| Net charge-offs to loans | 0.1597% | 657 |
| Credit loss provision to net charge-offs | -20.3488% | 4,435 |
| Earnings coverage of net charge-offs (x) | 13.5872% | 2,103 |
| Efficiency ratio | 59.2502% | 3,161 |
| Assets per employee ($millions) | 9.2551% | 898 |
| Cash dividends to net income (ytd only)* | 35.7513% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,592 |
| Loan loss allowance to noncurrent loans | 580.4082% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,357 |
| Noncurrent loans to loans | 0.2318% | 2,383 |
| Net loans and leases to total assets | 75.1000% | 1,228 |
| Net loans and leases to deposits | 90.9442% | 1,187 |
| Net loans and leases to core deposits | 95.7939% | 1,663 |
| Total domestic deposits to total assets | 82.5800% | 2,995 |
| Equity capital to assets | 8.9572% | 2,706 |
| Core capital (leverage) ratio | 10.2953% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5190% | 2,059 |
| Memoranda: | ||
| Average total assets | $134,540,000 | 3,508 |
| Average earning assets | $130,715,200 | 3,444 |
| Average equity | $11,059,200 | 3,612 |
| Average total loans | $107,709,400 | 3,090 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 990 |
| Cost of funding earning assets | 1.3129% | 2,118 |
| Net interest margin | 4.2061% | 916 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.5404% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7372% | 749 |
| Return on assets (ROA) | 1.7372% | 735 |
| Pretax return on assets | 1.7372% | 1,106 |
| Return on Equity (ROE) | 21.6400% | 589 |
| Retained earnings to average equity (ytd only) | 11.6342% | 1,039 |
| Net charge-offs to loans | 0.2131% | 410 |
| Credit loss provision to net charge-offs | -20.2312% | 4,482 |
| Earnings coverage of net charge-offs (x) | 10.0520% | 2,144 |
| Efficiency ratio | 59.3881% | 3,032 |
| Assets per employee ($millions) | 9.0928% | 898 |
| Cash dividends to net income (ytd only)* | 46.2335% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 1,658 |
| Loan loss allowance to noncurrent loans | 557.2549% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,345 |
| Noncurrent loans to loans | 0.2417% | 2,379 |
| Net loans and leases to total assets | 76.3000% | 1,084 |
| Net loans and leases to deposits | 91.5355% | 1,093 |
| Net loans and leases to core deposits | 95.7342% | 1,567 |
| Total domestic deposits to total assets | 83.3500% | 2,949 |
| Equity capital to assets | 8.0980% | 2,988 |
| Core capital (leverage) ratio | 9.3662% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8318% | 2,332 |
| Memoranda: | ||
| Average total assets | $133,468,250 | 3,522 |
| Average earning assets | $129,680,500 | 3,456 |
| Average equity | $10,715,250 | 3,651 |
| Average total loans | $108,215,500 | 3,085 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 1,004 |
| Cost of funding earning assets | 1.2082% | 1,963 |
| Net interest margin | 4.1487% | 1,009 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.5571% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6740% | 825 |
| Return on assets (ROA) | 1.6740% | 829 |
| Pretax return on assets | 1.6740% | 1,268 |
| Return on Equity (ROE) | 20.9100% | 622 |
| Retained earnings to average equity (ytd only) | 10.7493% | 1,231 |
| Net charge-offs to loans | 0.3189% | 262 |
| Credit loss provision to net charge-offs | -20.1149% | 4,510 |
| Earnings coverage of net charge-offs (x) | 6.3736% | 2,128 |
| Efficiency ratio | 60.4352% | 2,905 |
| Assets per employee ($millions) | 8.7367% | 990 |
| Cash dividends to net income (ytd only)* | 48.6023% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 1,951 |
| Loan loss allowance to noncurrent loans | 537.8788% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,187 |
| Noncurrent loans to loans | 0.2406% | 2,302 |
| Net loans and leases to total assets | 82.6400% | 359 |
| Net loans and leases to deposits | 102.2837% | 420 |
| Net loans and leases to core deposits | 110.7182% | 797 |
| Total domestic deposits to total assets | 80.7900% | 3,459 |
| Equity capital to assets | 8.2587% | 3,049 |
| Core capital (leverage) ratio | 9.5802% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0035% | 2,625 |
| Memoranda: | ||
| Average total assets | $132,493,667 | 3,546 |
| Average earning assets | $128,618,000 | 3,480 |
| Average equity | $10,605,333 | 3,666 |
| Average total loans | $109,125,667 | 3,061 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 1,037 |
| Cost of funding earning assets | 1.0592% | 1,864 |
| Net interest margin | 4.0794% | 1,128 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.4922% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6485% | 911 |
| Return on assets (ROA) | 1.6485% | 913 |
| Pretax return on assets | 1.6485% | 1,373 |
| Return on Equity (ROE) | 20.9200% | 666 |
| Retained earnings to average equity (ytd only) | 8.0789% | 2,197 |
| Net charge-offs to loans | 0.6285% | 126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.2105% | 1,893 |
| Efficiency ratio | 60.1885% | 2,936 |
| Assets per employee ($millions) | 8.9635% | 947 |
| Cash dividends to net income (ytd only)* | 61.3843% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 1,943 |
| Loan loss allowance to noncurrent loans | 270.5009% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 1,290 |
| Noncurrent loans to loans | 0.4886% | 1,493 |
| Net loans and leases to total assets | 80.9600% | 460 |
| Net loans and leases to deposits | 99.0239% | 486 |
| Net loans and leases to core deposits | 107.9011% | 760 |
| Total domestic deposits to total assets | 81.7600% | 3,520 |
| Equity capital to assets | 7.9649% | 3,264 |
| Core capital (leverage) ratio | 9.2520% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8106% | 2,781 |
| Memoranda: | ||
| Average total assets | $133,215,500 | 3,584 |
| Average earning assets | $129,528,500 | 3,512 |
| Average equity | $10,496,500 | 3,722 |
| Average total loans | $108,829,000 | 3,104 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 1,106 |
| Cost of funding earning assets | 0.3629% | 2,381 |
| Net interest margin | 3.9108% | 931 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.6427% | 1,697 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3111% | 1,391 |
| Return on assets (ROA) | 1.3096% | 1,361 |
| Pretax return on assets | 1.3096% | 2,060 |
| Return on Equity (ROE) | 12.8000% | 1,878 |
| Retained earnings to average equity (ytd only) | -30.8326% | 4,712 |
| Net charge-offs to loans | 0.4280% | 176 |
| Credit loss provision to net charge-offs | 15.6250% | 1,944 |
| Earnings coverage of net charge-offs (x) | 4.0112% | 2,434 |
| Efficiency ratio | 65.9530% | 2,232 |
| Assets per employee ($millions) | 8.2486% | 1,211 |
| Cash dividends to net income (ytd only)* | 340.8696% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 1,420 |
| Loan loss allowance to noncurrent loans | 298.0507% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 1,315 |
| Noncurrent loans to loans | 0.4779% | 1,503 |
| Net loans and leases to total assets | 80.1800% | 573 |
| Net loans and leases to deposits | 98.2562% | 510 |
| Net loans and leases to core deposits | 109.9571% | 612 |
| Total domestic deposits to total assets | 81.6000% | 3,677 |
| Equity capital to assets | 7.7922% | 3,191 |
| Core capital (leverage) ratio | 9.2431% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9314% | 2,754 |
| Memoranda: | ||
| Average total assets | $131,720,400 | 3,615 |
| Average earning assets | $128,132,400 | 3,545 |
| Average equity | $13,476,000 | 3,524 |
| Average total loans | $104,684,600 | 3,087 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 1,199 |
| Cost of funding earning assets | 0.2581% | 2,630 |
| Net interest margin | 3.7751% | 984 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.6189% | 1,671 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1991% | 1,693 |
| Return on assets (ROA) | 1.1970% | 1,679 |
| Pretax return on assets | 1.1970% | 2,381 |
| Return on Equity (ROE) | 11.0400% | 2,366 |
| Retained earnings to average equity (ytd only) | -43.7895% | 4,752 |
| Net charge-offs to loans | 0.5730% | 111 |
| Credit loss provision to net charge-offs | 15.6600% | 1,644 |
| Earnings coverage of net charge-offs (x) | 2.8054% | 2,231 |
| Efficiency ratio | 67.3438% | 2,113 |
| Assets per employee ($millions) | 8.3486% | 1,145 |
| Cash dividends to net income (ytd only)* | 496.6159% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 1,693 |
| Loan loss allowance to noncurrent loans | 298.2456% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,410 |
| Noncurrent loans to loans | 0.4610% | 1,649 |
| Net loans and leases to total assets | 82.1600% | 369 |
| Net loans and leases to deposits | 95.7076% | 567 |
| Net loans and leases to core deposits | 110.9273% | 441 |
| Total domestic deposits to total assets | 85.8400% | 3,101 |
| Equity capital to assets | 7.1749% | 3,419 |
| Core capital (leverage) ratio | 8.9803% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2914% | 2,987 |
| Memoranda: | ||
| Average total assets | $131,656,000 | 3,644 |
| Average earning assets | $128,133,750 | 3,572 |
| Average equity | $14,274,000 | 3,479 |
| Average total loans | $104,019,750 | 3,108 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 1,265 |
| Cost of funding earning assets | 0.2129% | 2,734 |
| Net interest margin | 3.6106% | 1,050 |
| Noninterest income to average assets | 0.2427% | 3,715 |
| Noninterest expense to average assets | 2.4760% | 2,009 |
| Loan and lease loss provision to assets | 0.1069% | 934 |
| Net operating income to assets | 1.1800% | 1,498 |
| Return on assets (ROA) | 1.1770% | 1,488 |
| Pretax return on assets | 1.1770% | 2,143 |
| Return on Equity (ROE) | 9.7365% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.4152% | 2,200 |
| Net charge-offs to loans | 0.8799% | 74 |
| Credit loss provision to net charge-offs | 15.6600% | 1,620 |
| Earnings coverage of net charge-offs (x) | 1.8859% | 2,048 |
| Efficiency ratio | 65.8012% | 2,540 |
| Assets per employee ($millions) | 7.5251% | 1,592 |
| Cash dividends to net income (ytd only)* | 34.1115% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,661 |
| Loan loss allowance to noncurrent loans | 241.3249% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 1,152 |
| Noncurrent loans to loans | 0.5891% | 1,437 |
| Net loans and leases to total assets | 82.9301% | 241 |
| Net loans and leases to deposits | 100.0415% | 269 |
| Net loans and leases to core deposits | 110.7134% | 338 |
| Total domestic deposits to total assets | 82.8957% | 3,890 |
| Equity capital to assets | 12.0295% | 862 |
| Core capital (leverage) ratio | 12.7967% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3523% | 1,343 |
| Memoranda: | ||
| Average total assets | $131,015,667 | 3,693 |
| Average earning assets | $127,734,667 | 3,623 |
| Average equity | $15,837,333 | 3,419 |
| Average total loans | $101,600,667 | 3,161 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 1,524 |
| Cost of funding earning assets | 0.2102% | 2,666 |
| Net interest margin | 3.3819% | 1,345 |
| Noninterest income to average assets | 0.1992% | 3,972 |
| Noninterest expense to average assets | 2.3718% | 2,263 |
| Loan and lease loss provision to assets | 0.0604% | 1,324 |
| Net operating income to assets | 1.0682% | 1,628 |
| Return on assets (ROA) | 1.0682% | 1,618 |
| Pretax return on assets | 1.0682% | 2,238 |
| Return on Equity (ROE) | 8.8161% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.8161% | 1,325 |
| Net charge-offs to loans | -0.0122% | 3,663 |
| Credit loss provision to net charge-offs | -666.6667% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7586% | 2,536 |
| Assets per employee ($millions) | 8.9701% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 713 |
| Loan loss allowance to noncurrent loans | 64.3548% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 121 |
| Noncurrent loans to loans | 2.9832% | 182 |
| Net loans and leases to total assets | 73.2808% | 719 |
| Net loans and leases to deposits | 86.7065% | 693 |
| Net loans and leases to core deposits | 94.3514% | 718 |
| Total domestic deposits to total assets | 84.5159% | 3,654 |
| Equity capital to assets | 11.7294% | 1,051 |
| Core capital (leverage) ratio | 13.0976% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6978% | 1,341 |
| Memoranda: | ||
| Average total assets | $132,560,000 | 3,697 |
| Average earning assets | $129,393,000 | 3,615 |
| Average equity | $16,061,500 | 3,469 |
| Average total loans | $98,591,000 | 3,209 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 1,989 |
| Cost of funding earning assets | 0.3422% | 2,007 |
| Net interest margin | 3.4027% | 2,019 |
| Noninterest income to average assets | 0.3786% | 3,168 |
| Noninterest expense to average assets | 2.2520% | 2,940 |
| Loan and lease loss provision to assets | 0.2505% | 369 |
| Net operating income to assets | 1.2039% | 1,911 |
| Return on assets (ROA) | 1.2039% | 1,960 |
| Pretax return on assets | 1.2046% | 2,650 |
| Return on Equity (ROE) | 10.9035% | 2,196 |
| Retained earnings to average equity (ytd only) | 7.8531% | 1,601 |
| Net charge-offs to loans | 0.6177% | 126 |
| Credit loss provision to net charge-offs | 58.2524% | 2,078 |
| Earnings coverage of net charge-offs (x) | 3.3835% | 2,546 |
| Efficiency ratio | 60.7471% | 3,033 |
| Assets per employee ($millions) | 8.7046% | 1,013 |
| Cash dividends to net income (ytd only)* | 27.9769% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 630 |
| Loan loss allowance to noncurrent loans | 63.5455% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.2984% | 124 |
| Noncurrent loans to loans | 3.1050% | 184 |
| Net loans and leases to total assets | 72.5632% | 799 |
| Net loans and leases to deposits | 87.9671% | 654 |
| Net loans and leases to core deposits | 97.4312% | 640 |
| Total domestic deposits to total assets | 82.4890% | 3,895 |
| Equity capital to assets | 12.5152% | 1,056 |
| Core capital (leverage) ratio | 12.6526% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7864% | 1,316 |
| Memoranda: | ||
| Average total assets | $143,697,200 | 3,550 |
| Average earning assets | $140,562,800 | 3,465 |
| Average equity | $15,866,400 | 3,553 |
| Average total loans | $100,052,200 | 3,198 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 2,176 |
| Cost of funding earning assets | 0.3771% | 1,872 |
| Net interest margin | 3.3619% | 2,263 |
| Noninterest income to average assets | 0.3547% | 3,331 |
| Noninterest expense to average assets | 2.2179% | 3,012 |
| Loan and lease loss provision to assets | 0.1449% | 780 |
| Net operating income to assets | 1.2827% | 1,877 |
| Return on assets (ROA) | 1.2827% | 1,935 |
| Pretax return on assets | 1.2827% | 2,670 |
| Return on Equity (ROE) | 11.9718% | 2,058 |
| Retained earnings to average equity (ytd only) | 8.5936% | 1,840 |
| Net charge-offs to loans | 0.8153% | 85 |
| Credit loss provision to net charge-offs | 25.9319% | 1,968 |
| Earnings coverage of net charge-offs (x) | 2.5511% | 2,344 |
| Efficiency ratio | 60.8360% | 2,857 |
| Assets per employee ($millions) | 8.1745% | 1,187 |
| Cash dividends to net income (ytd only)* | 28.2178% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 868 |
| Loan loss allowance to noncurrent loans | 130.2059% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 658 |
| Noncurrent loans to loans | 1.4081% | 757 |
| Net loans and leases to total assets | 69.8797% | 1,085 |
| Net loans and leases to deposits | 84.3737% | 938 |
| Net loans and leases to core deposits | 97.4569% | 676 |
| Total domestic deposits to total assets | 82.8216% | 3,753 |
| Equity capital to assets | 12.4656% | 1,189 |
| Core capital (leverage) ratio | 12.2220% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6541% | 1,203 |
| Memoranda: | ||
| Average total assets | $146,979,250 | 3,549 |
| Average earning assets | $143,882,750 | 3,471 |
| Average equity | $15,747,750 | 3,608 |
| Average total loans | $100,902,250 | 3,227 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 2,693 |
| Cost of funding earning assets | 0.4004% | 1,882 |
| Net interest margin | 3.1775% | 2,819 |
| Noninterest income to average assets | 0.3203% | 3,507 |
| Noninterest expense to average assets | 2.1605% | 3,209 |
| Loan and lease loss provision to assets | 0.2100% | 521 |
| Net operating income to assets | 1.0645% | 2,665 |
| Return on assets (ROA) | 1.0645% | 2,739 |
| Pretax return on assets | 1.0645% | 3,303 |
| Return on Equity (ROE) | 10.4226% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.2948% | 3,074 |
| Net charge-offs to loans | 1.1961% | 58 |
| Credit loss provision to net charge-offs | 25.8481% | 1,715 |
| Earnings coverage of net charge-offs (x) | 1.5687% | 2,165 |
| Efficiency ratio | 62.8964% | 2,594 |
| Assets per employee ($millions) | 7.9826% | 1,220 |
| Cash dividends to net income (ytd only)* | 49.1985% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 907 |
| Loan loss allowance to noncurrent loans | 75.2536% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6705% | 310 |
| Noncurrent loans to loans | 2.3697% | 365 |
| Net loans and leases to total assets | 69.2384% | 1,292 |
| Net loans and leases to deposits | 82.7688% | 1,145 |
| Net loans and leases to core deposits | 95.1870% | 845 |
| Total domestic deposits to total assets | 83.6528% | 3,532 |
| Equity capital to assets | 11.5876% | 1,579 |
| Core capital (leverage) ratio | 10.5122% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0548% | 1,329 |
| Memoranda: | ||
| Average total assets | $152,375,000 | 3,510 |
| Average earning assets | $149,360,667 | 3,427 |
| Average equity | $15,562,333 | 3,627 |
| Average total loans | $103,501,667 | 3,212 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4004% | 3,194 |
| Cost of funding earning assets | 0.4162% | 1,963 |
| Net interest margin | 2.9842% | 3,300 |
| Noninterest income to average assets | 0.3609% | 3,280 |
| Noninterest expense to average assets | 2.0285% | 3,633 |
| Loan and lease loss provision to assets | 0.2116% | 562 |
| Net operating income to assets | 1.0479% | 2,646 |
| Return on assets (ROA) | 1.0479% | 2,729 |
| Pretax return on assets | 1.0479% | 3,237 |
| Return on Equity (ROE) | 10.8779% | 2,401 |
| Retained earnings to average equity (ytd only) | 6.0203% | 2,892 |
| Net charge-offs to loans | 0.0112% | 1,531 |
| Credit loss provision to net charge-offs | 2,833.3333% | 193 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 454 |
| Efficiency ratio | 61.6957% | 2,807 |
| Assets per employee ($millions) | 9.9045% | 612 |
| Cash dividends to net income (ytd only)* | 44.6556% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0753% | 521 |
| Loan loss allowance to noncurrent loans | 107.4127% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.3195% | 527 |
| Noncurrent loans to loans | 1.9321% | 572 |
| Net loans and leases to total assets | 66.8749% | 1,680 |
| Net loans and leases to deposits | 81.6402% | 1,359 |
| Net loans and leases to core deposits | 92.4248% | 1,090 |
| Total domestic deposits to total assets | 81.9142% | 3,909 |
| Equity capital to assets | 9.8251% | 2,872 |
| Core capital (leverage) ratio | 9.6297% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7408% | 1,372 |
| Memoranda: | ||
| Average total assets | $160,710,000 | 3,426 |
| Average earning assets | $157,629,500 | 3,334 |
| Average equity | $15,481,000 | 3,639 |
| Average total loans | $107,419,500 | 3,160 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 1,350 |
| Cost of funding earning assets | 0.6612% | 1,925 |
| Net interest margin | 3.8236% | 1,439 |
| Noninterest income to average assets | 0.2693% | 3,867 |
| Noninterest expense to average assets | 2.3708% | 3,206 |
| Loan and lease loss provision to assets | 0.4186% | 720 |
| Net operating income to assets | 1.2012% | 1,553 |
| Return on assets (ROA) | 1.2012% | 1,655 |
| Pretax return on assets | 1.2020% | 2,313 |
| Return on Equity (ROE) | 9.6516% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.1590% | 2,210 |
| Net charge-offs to loans | 0.4335% | 383 |
| Credit loss provision to net charge-offs | 116.9978% | 2,661 |
| Earnings coverage of net charge-offs (x) | 4.5298% | 2,969 |
| Efficiency ratio | 59.3985% | 3,536 |
| Assets per employee ($millions) | 10.2414% | 488 |
| Cash dividends to net income (ytd only)* | 46.5483% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,102 |
| Loan loss allowance to noncurrent loans | 166.0904% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 2,191 |
| Noncurrent loans to loans | 0.7053% | 1,935 |
| Net loans and leases to total assets | 64.3013% | 2,323 |
| Net loans and leases to deposits | 76.9437% | 2,179 |
| Net loans and leases to core deposits | 85.6279% | 1,901 |
| Total domestic deposits to total assets | 83.5692% | 3,242 |
| Equity capital to assets | 9.9516% | 3,174 |
| Core capital (leverage) ratio | 11.3376% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3269% | 1,188 |
| Memoranda: | ||
| Average total assets | $126,625,400 | 3,672 |
| Average earning assets | $123,261,200 | 3,592 |
| Average equity | $15,759,000 | 3,582 |
| Average total loans | $104,499,200 | 3,170 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,139 |
| Cost of funding earning assets | 0.7463% | 1,768 |
| Net interest margin | 3.9211% | 1,300 |
| Noninterest income to average assets | 0.2455% | 4,010 |
| Noninterest expense to average assets | 2.5605% | 2,660 |
| Loan and lease loss provision to assets | 0.4714% | 656 |
| Net operating income to assets | 1.0229% | 2,243 |
| Return on assets (ROA) | 1.0229% | 2,380 |
| Pretax return on assets | 1.0229% | 2,979 |
| Return on Equity (ROE) | 7.6813% | 2,930 |
| Retained earnings to average equity (ytd only) | 3.6187% | 3,243 |
| Net charge-offs to loans | 0.2924% | 541 |
| Credit loss provision to net charge-offs | 182.0175% | 2,175 |
| Earnings coverage of net charge-offs (x) | 5.7675% | 2,711 |
| Efficiency ratio | 63.1446% | 2,889 |
| Assets per employee ($millions) | 8.6467% | 793 |
| Cash dividends to net income (ytd only)* | 52.8889% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,789 |
| Loan loss allowance to noncurrent loans | 73.2364% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.5705% | 528 |
| Noncurrent loans to loans | 1.6087% | 874 |
| Net loans and leases to total assets | 87.9531% | 81 |
| Net loans and leases to deposits | 110.9829% | 215 |
| Net loans and leases to core deposits | 124.7878% | 324 |
| Total domestic deposits to total assets | 79.2492% | 4,013 |
| Equity capital to assets | 12.2967% | 1,518 |
| Core capital (leverage) ratio | 12.1606% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0669% | 1,485 |
| Memoranda: | ||
| Average total assets | $117,316,000 | 3,773 |
| Average earning assets | $113,977,500 | 3,700 |
| Average equity | $15,622,000 | 3,592 |
| Average total loans | $103,970,250 | 3,185 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 1,178 |
| Cost of funding earning assets | 0.8125% | 1,767 |
| Net interest margin | 3.9844% | 1,364 |
| Noninterest income to average assets | 0.2315% | 4,099 |
| Noninterest expense to average assets | 2.6487% | 2,526 |
| Loan and lease loss provision to assets | 0.5036% | 708 |
| Net operating income to assets | 0.9436% | 2,523 |
| Return on assets (ROA) | 0.9436% | 2,651 |
| Pretax return on assets | 0.9436% | 3,195 |
| Return on Equity (ROE) | 6.8845% | 3,174 |
| Retained earnings to average equity (ytd only) | 1.7663% | 3,846 |
| Net charge-offs to loans | 0.1098% | 1,193 |
| Credit loss provision to net charge-offs | 518.1818% | 1,206 |
| Earnings coverage of net charge-offs (x) | 14.8909% | 1,930 |
| Efficiency ratio | 64.6678% | 2,723 |
| Assets per employee ($millions) | 7.8273% | 1,034 |
| Cash dividends to net income (ytd only)* | 74.3446% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,316 |
| Loan loss allowance to noncurrent loans | 68.9587% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.9994% | 354 |
| Noncurrent loans to loans | 1.7951% | 783 |
| Net loans and leases to total assets | 89.4424% | 39 |
| Net loans and leases to deposits | 115.3498% | 138 |
| Net loans and leases to core deposits | 134.6949% | 211 |
| Total domestic deposits to total assets | 77.5402% | 4,249 |
| Equity capital to assets | 12.5259% | 1,363 |
| Core capital (leverage) ratio | 12.4706% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8373% | 1,537 |
| Memoranda: | ||
| Average total assets | $113,187,667 | 3,813 |
| Average earning assets | $109,778,333 | 3,746 |
| Average equity | $15,513,000 | 3,606 |
| Average total loans | $100,148,333 | 3,231 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,008 |
| Cost of funding earning assets | 0.9467% | 1,657 |
| Net interest margin | 4.0341% | 1,303 |
| Noninterest income to average assets | 0.1456% | 4,636 |
| Noninterest expense to average assets | 2.7845% | 2,470 |
| Loan and lease loss provision to assets | 0.8025% | 306 |
| Net operating income to assets | 0.4554% | 4,004 |
| Return on assets (ROA) | 0.4554% | 4,057 |
| Pretax return on assets | 0.4554% | 4,197 |
| Return on Equity (ROE) | 3.1635% | 4,175 |
| Retained earnings to average equity (ytd only) | -2.7227% | 4,326 |
| Net charge-offs to loans | 0.2866% | 512 |
| Credit loss provision to net charge-offs | 320.8955% | 1,127 |
| Earnings coverage of net charge-offs (x) | 5.0299% | 2,090 |
| Efficiency ratio | 68.8827% | 2,524 |
| Assets per employee ($millions) | 6.8922% | 1,143 |
| Cash dividends to net income (ytd only)* | 186.0656% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 1,769 |
| Loan loss allowance to noncurrent loans | 69.9682% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.3958% | 299 |
| Noncurrent loans to loans | 1.9741% | 728 |
| Net loans and leases to total assets | 85.5307% | 168 |
| Net loans and leases to deposits | 116.1192% | 115 |
| Net loans and leases to core deposits | 135.9338% | 204 |
| Total domestic deposits to total assets | 73.6577% | 4,681 |
| Equity capital to assets | 13.9914% | 1,062 |
| Core capital (leverage) ratio | 14.1775% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2278% | 1,547 |
| Memoranda: | ||
| Average total assets | $107,163,000 | 3,881 |
| Average earning assets | $103,517,500 | 3,828 |
| Average equity | $15,426,000 | 3,617 |
| Average total loans | $93,513,000 | 3,333 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 1,020 |
| Cost of funding earning assets | 0.9311% | 2,053 |
| Net interest margin | 4.2572% | 1,187 |
| Noninterest income to average assets | 0.1512% | 4,736 |
| Noninterest expense to average assets | 2.8448% | 2,460 |
| Loan and lease loss provision to assets | 0.2139% | 931 |
| Net operating income to assets | 1.1780% | 2,142 |
| Return on assets (ROA) | 1.1780% | 2,238 |
| Pretax return on assets | 1.1790% | 2,915 |
| Return on Equity (ROE) | 8.1528% | 3,100 |
| Retained earnings to average equity (ytd only) | 3.2703% | 3,374 |
| Net charge-offs to loans | 0.1686% | 1,201 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 9.7667% | 2,633 |
| Efficiency ratio | 67.1304% | 2,600 |
| Assets per employee ($millions) | 6.5032% | 1,286 |
| Cash dividends to net income (ytd only)* | 59.8870% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,013 |
| Loan loss allowance to noncurrent loans | 82.4315% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 360 |
| Noncurrent loans to loans | 1.5571% | 913 |
| Net loans and leases to total assets | 86.7008% | 132 |
| Net loans and leases to deposits | 117.1065% | 100 |
| Net loans and leases to core deposits | 138.1495% | 186 |
| Total domestic deposits to total assets | 74.0358% | 4,767 |
| Equity capital to assets | 14.8225% | 839 |
| Core capital (leverage) ratio | 14.6311% | 769 |
| Tier 1 risk-based capital ratio | 15.4339% | 2,605 |
| Total risk-based capital ratio | 16.6131% | 2,563 |
| Memoranda: | ||
| Average total assets | $105,175,800 | 3,914 |
| Average earning assets | $100,957,600 | 3,852 |
| Average equity | $15,197,200 | 3,621 |
| Average total loans | $88,967,400 | 3,420 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 1,096 |
| Cost of funding earning assets | 0.9183% | 2,144 |
| Net interest margin | 4.2555% | 1,260 |
| Noninterest income to average assets | 0.0834% | 5,035 |
| Noninterest expense to average assets | 2.7916% | 2,583 |
| Loan and lease loss provision to assets | 0.1264% | 1,532 |
| Net operating income to assets | 1.2491% | 2,022 |
| Return on assets (ROA) | 1.2491% | 2,097 |
| Pretax return on assets | 1.2491% | 2,819 |
| Return on Equity (ROE) | 8.7004% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.6545% | 3,574 |
| Net charge-offs to loans | 0.1117% | 1,354 |
| Credit loss provision to net charge-offs | 135.1351% | 1,766 |
| Earnings coverage of net charge-offs (x) | 14.7033% | 2,232 |
| Efficiency ratio | 66.9903% | 2,590 |
| Assets per employee ($millions) | 6.4753% | 1,285 |
| Cash dividends to net income (ytd only)* | 57.9959% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,248 |
| Loan loss allowance to noncurrent loans | 68.4723% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.7480% | 219 |
| Noncurrent loans to loans | 1.8216% | 778 |
| Net loans and leases to total assets | 85.9697% | 195 |
| Net loans and leases to deposits | 116.2191% | 121 |
| Net loans and leases to core deposits | 137.2156% | 212 |
| Total domestic deposits to total assets | 73.9720% | 4,816 |
| Equity capital to assets | 14.8122% | 903 |
| Core capital (leverage) ratio | 14.5942% | 836 |
| Tier 1 risk-based capital ratio | 15.7261% | 2,544 |
| Total risk-based capital ratio | 16.8844% | 2,527 |
| Memoranda: | ||
| Average total assets | $105,457,000 | 3,950 |
| Average earning assets | $101,201,000 | 3,891 |
| Average equity | $15,140,750 | 3,659 |
| Average total loans | $88,362,750 | 3,475 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 1,364 |
| Cost of funding earning assets | 0.8887% | 2,207 |
| Net interest margin | 4.1544% | 1,480 |
| Noninterest income to average assets | 0.2281% | 4,387 |
| Noninterest expense to average assets | 2.7320% | 2,813 |
| Loan and lease loss provision to assets | 0.1885% | 943 |
| Net operating income to assets | 1.2915% | 1,811 |
| Return on assets (ROA) | 1.2915% | 1,866 |
| Pretax return on assets | 1.2915% | 2,587 |
| Return on Equity (ROE) | 9.0895% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.5912% | 2,981 |
| Net charge-offs to loans | 0.0365% | 2,144 |
| Credit loss provision to net charge-offs | 625.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 49.0625% | 1,109 |
| Efficiency ratio | 64.8612% | 2,997 |
| Assets per employee ($millions) | 6.6336% | 1,170 |
| Cash dividends to net income (ytd only)* | 49.4891% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,870 |
| Loan loss allowance to noncurrent loans | 71.2907% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.8510% | 228 |
| Noncurrent loans to loans | 1.8743% | 799 |
| Net loans and leases to total assets | 82.2296% | 565 |
| Net loans and leases to deposits | 111.5633% | 186 |
| Net loans and leases to core deposits | 130.8839% | 309 |
| Total domestic deposits to total assets | 73.7066% | 4,855 |
| Equity capital to assets | 14.3748% | 993 |
| Core capital (leverage) ratio | 14.2108% | 904 |
| Tier 1 risk-based capital ratio | 15.7721% | 2,515 |
| Total risk-based capital ratio | 16.9983% | 2,462 |
| Memoranda: | ||
| Average total assets | $106,074,670 | 3,956 |
| Average earning assets | $101,722,670 | 3,904 |
| Average equity | $15,072,330 | 3,675 |
| Average total loans | $87,752,670 | 3,511 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 1,199 |
| Cost of funding earning assets | 0.8422% | 2,315 |
| Net interest margin | 4.2147% | 1,276 |
| Noninterest income to average assets | 0.1886% | 4,623 |
| Noninterest expense to average assets | 2.6819% | 2,959 |
| Loan and lease loss provision to assets | 0.1132% | 1,572 |
| Net operating income to assets | 1.4334% | 1,284 |
| Return on assets (ROA) | 1.4334% | 1,314 |
| Pretax return on assets | 1.4334% | 1,978 |
| Return on Equity (ROE) | 10.1469% | 2,304 |
| Retained earnings to average equity (ytd only) | 10.1469% | 1,001 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4255% | 3,331 |
| Assets per employee ($millions) | 7.1401% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,173 |
| Loan loss allowance to noncurrent loans | 201.4286% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 574 |
| Noncurrent loans to loans | 0.6366% | 2,422 |
| Net loans and leases to total assets | 81.0844% | 700 |
| Net loans and leases to deposits | 108.1805% | 267 |
| Net loans and leases to core deposits | 127.3339% | 352 |
| Total domestic deposits to total assets | 74.9528% | 4,861 |
| Equity capital to assets | 14.2052% | 970 |
| Core capital (leverage) ratio | 14.5171% | 810 |
| Tier 1 risk-based capital ratio | 15.9308% | 2,468 |
| Total risk-based capital ratio | 17.1101% | 2,438 |
| Memoranda: | ||
| Average total assets | $106,043,500 | 4,003 |
| Average earning assets | $101,643,500 | 3,945 |
| Average equity | $14,980,000 | 3,702 |
| Average total loans | $87,400,000 | 3,554 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 1,353 |
| Cost of funding earning assets | 0.6216% | 2,577 |
| Net interest margin | 4.2540% | 1,268 |
| Noninterest income to average assets | 0.2603% | 4,373 |
| Noninterest expense to average assets | 2.6670% | 3,134 |
| Loan and lease loss provision to assets | 0.2449% | 705 |
| Net operating income to assets | 1.4290% | 1,336 |
| Return on assets (ROA) | 1.4290% | 1,331 |
| Pretax return on assets | 1.4300% | 2,032 |
| Return on Equity (ROE) | 10.2879% | 2,400 |
| Retained earnings to average equity (ytd only) | 4.9642% | 2,782 |
| Net charge-offs to loans | 0.1408% | 1,348 |
| Credit loss provision to net charge-offs | 212.5000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 2,375 |
| Efficiency ratio | 61.4245% | 3,637 |
| Assets per employee ($millions) | 6.9990% | 975 |
| Cash dividends to net income (ytd only)* | 51.7473% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,221 |
| Loan loss allowance to noncurrent loans | 473.7069% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5898% | 713 |
| Noncurrent loans to loans | 0.2672% | 3,620 |
| Net loans and leases to total assets | 81.6593% | 703 |
| Net loans and leases to deposits | 107.4594% | 324 |
| Net loans and leases to core deposits | 127.0488% | 375 |
| Total domestic deposits to total assets | 75.9909% | 4,753 |
| Equity capital to assets | 14.0458% | 957 |
| Core capital (leverage) ratio | 14.1672% | 879 |
| Tier 1 risk-based capital ratio | 15.6554% | 2,548 |
| Total risk-based capital ratio | 16.8135% | 2,514 |
| Memoranda: | ||
| Average total assets | $104,125,400 | 4,032 |
| Average earning assets | $99,906,800 | 3,976 |
| Average equity | $14,463,600 | 3,702 |
| Average total loans | $85,206,000 | 3,564 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 1,478 |
| Cost of funding earning assets | 0.5710% | 2,701 |
| Net interest margin | 4.2076% | 1,342 |
| Noninterest income to average assets | 0.2438% | 4,519 |
| Noninterest expense to average assets | 2.5932% | 3,300 |
| Loan and lease loss provision to assets | 0.1540% | 1,275 |
| Net operating income to assets | 1.5436% | 1,083 |
| Return on assets (ROA) | 1.5436% | 1,082 |
| Pretax return on assets | 1.5436% | 1,757 |
| Return on Equity (ROE) | 11.1440% | 2,119 |
| Retained earnings to average equity (ytd only) | 5.9194% | 2,694 |
| Net charge-offs to loans | 0.1336% | 1,208 |
| Credit loss provision to net charge-offs | 141.1765% | 1,791 |
| Earnings coverage of net charge-offs (x) | 15.5648% | 2,213 |
| Efficiency ratio | 60.4366% | 3,750 |
| Assets per employee ($millions) | 7.4019% | 806 |
| Cash dividends to net income (ytd only)* | 46.8827% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,026 |
| Loan loss allowance to noncurrent loans | 104.3887% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 2.3102% | 401 |
| Noncurrent loans to loans | 1.0822% | 1,573 |
| Net loans and leases to total assets | 84.3746% | 413 |
| Net loans and leases to deposits | 115.0039% | 167 |
| Net loans and leases to core deposits | 137.1987% | 232 |
| Total domestic deposits to total assets | 73.3667% | 5,034 |
| Equity capital to assets | 14.0997% | 928 |
| Core capital (leverage) ratio | 14.3018% | 863 |
| Tier 1 risk-based capital ratio | 15.9547% | 2,467 |
| Total risk-based capital ratio | 17.0332% | 2,469 |
| Memoranda: | ||
| Average total assets | $103,910,500 | 4,080 |
| Average earning assets | $99,943,500 | 4,018 |
| Average equity | $14,393,000 | 3,738 |
| Average total loans | $84,800,250 | 3,604 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 1,546 |
| Cost of funding earning assets | 0.5471% | 2,627 |
| Net interest margin | 4.1346% | 1,460 |
| Noninterest income to average assets | 0.2404% | 4,576 |
| Noninterest expense to average assets | 2.5768% | 3,391 |
| Loan and lease loss provision to assets | 0.0577% | 2,753 |
| Net operating income to assets | 1.5730% | 981 |
| Return on assets (ROA) | 1.5730% | 984 |
| Pretax return on assets | 1.5730% | 1,592 |
| Return on Equity (ROE) | 11.4243% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.7596% | 2,184 |
| Net charge-offs to loans | 0.0933% | 1,414 |
| Credit loss provision to net charge-offs | 76.9231% | 2,292 |
| Earnings coverage of net charge-offs (x) | 21.7436% | 1,765 |
| Efficiency ratio | 61.2431% | 3,732 |
| Assets per employee ($millions) | 7.8699% | 656 |
| Cash dividends to net income (ytd only)* | 40.8313% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,214 |
| Loan loss allowance to noncurrent loans | 351.1029% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 740 |
| Noncurrent loans to loans | 0.3155% | 3,576 |
| Net loans and leases to total assets | 83.3407% | 537 |
| Net loans and leases to deposits | 112.9338% | 215 |
| Net loans and leases to core deposits | 133.2890% | 273 |
| Total domestic deposits to total assets | 73.7960% | 5,065 |
| Equity capital to assets | 14.1473% | 893 |
| Core capital (leverage) ratio | 14.1600% | 870 |
| Tier 1 risk-based capital ratio | 16.0698% | 2,412 |
| Total risk-based capital ratio | 17.1192% | 2,433 |
| Memoranda: | ||
| Average total assets | $104,005,330 | 4,113 |
| Average earning assets | $99,793,000 | 4,054 |
| Average equity | $14,320,330 | 3,762 |
| Average total loans | $83,589,330 | 3,648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5537% | 1,706 |
| Cost of funding earning assets | 0.5254% | 2,585 |
| Net interest margin | 4.0283% | 1,625 |
| Noninterest income to average assets | 0.2365% | 4,591 |
| Noninterest expense to average assets | 2.5331% | 3,551 |
| Loan and lease loss provision to assets | 0.1144% | 1,650 |
| Net operating income to assets | 1.4496% | 1,196 |
| Return on assets (ROA) | 1.4496% | 1,202 |
| Pretax return on assets | 1.4496% | 1,840 |
| Return on Equity (ROE) | 10.6715% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.6715% | 972 |
| Net charge-offs to loans | 0.2674% | 581 |
| Credit loss provision to net charge-offs | 54.5455% | 1,917 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,089 |
| Efficiency ratio | 61.8250% | 3,816 |
| Assets per employee ($millions) | 7.5175% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 3,119 |
| Loan loss allowance to noncurrent loans | 266.0057% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7008% | 751 |
| Noncurrent loans to loans | 0.4303% | 3,247 |
| Net loans and leases to total assets | 77.0564% | 1,382 |
| Net loans and leases to deposits | 105.0587% | 426 |
| Net loans and leases to core deposits | 131.5096% | 314 |
| Total domestic deposits to total assets | 73.3460% | 5,205 |
| Equity capital to assets | 13.6786% | 985 |
| Core capital (leverage) ratio | 13.9150% | 893 |
| Tier 1 risk-based capital ratio | 17.6553% | 1,930 |
| Total risk-based capital ratio | 18.7971% | 1,917 |
| Memoranda: | ||
| Average total assets | $104,853,500 | 4,146 |
| Average earning assets | $100,490,000 | 4,088 |
| Average equity | $14,243,500 | 3,800 |
| Average total loans | $82,274,000 | 3,707 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 1,681 |
| Cost of funding earning assets | 0.4793% | 2,510 |
| Net interest margin | 4.0290% | 1,661 |
| Noninterest income to average assets | 0.1638% | 5,140 |
| Noninterest expense to average assets | 2.6169% | 3,389 |
| Loan and lease loss provision to assets | 0.3979% | 373 |
| Net operating income to assets | 1.0280% | 2,126 |
| Return on assets (ROA) | 1.0280% | 2,159 |
| Pretax return on assets | 1.0290% | 3,462 |
| Return on Equity (ROE) | 7.9110% | 2,833 |
| Retained earnings to average equity (ytd only) | 3.6817% | 3,030 |
| Net charge-offs to loans | 0.4614% | 518 |
| Credit loss provision to net charge-offs | 106.2500% | 2,429 |
| Earnings coverage of net charge-offs (x) | 3.8100% | 3,552 |
| Efficiency ratio | 64.7141% | 3,494 |
| Assets per employee ($millions) | 7.4616% | 782 |
| Cash dividends to net income (ytd only)* | 53.4608% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 2,968 |
| Loan loss allowance to noncurrent loans | 150.3900% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 682 |
| Noncurrent loans to loans | 0.7769% | 2,274 |
| Net loans and leases to total assets | 78.0638% | 1,281 |
| Net loans and leases to deposits | 104.6279% | 463 |
| Net loans and leases to core deposits | 127.5009% | 400 |
| Total domestic deposits to total assets | 74.6109% | 5,122 |
| Equity capital to assets | 13.4891% | 1,071 |
| Core capital (leverage) ratio | 13.5266% | 956 |
| Tier 1 risk-based capital ratio | 16.4167% | 2,296 |
| Total risk-based capital ratio | 17.5359% | 2,276 |
| Memoranda: | ||
| Average total assets | $106,806,600 | 4,120 |
| Average earning assets | $102,854,200 | 4,049 |
| Average equity | $13,879,400 | 3,855 |
| Average total loans | $86,685,200 | 3,592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,690 |
| Cost of funding earning assets | 0.4674% | 2,543 |
| Net interest margin | 4.0161% | 1,651 |
| Noninterest income to average assets | 0.2918% | 4,445 |
| Noninterest expense to average assets | 2.6419% | 3,280 |
| Loan and lease loss provision to assets | 0.5276% | 211 |
| Net operating income to assets | 0.9945% | 2,578 |
| Return on assets (ROA) | 0.9945% | 2,631 |
| Pretax return on assets | 0.9945% | 3,708 |
| Return on Equity (ROE) | 7.7241% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.1176% | 3,463 |
| Net charge-offs to loans | 0.5927% | 330 |
| Credit loss provision to net charge-offs | 108.9744% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.1436% | 3,373 |
| Efficiency ratio | 63.4466% | 3,650 |
| Assets per employee ($millions) | 6.4571% | 1,213 |
| Cash dividends to net income (ytd only)* | 46.6914% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 3,232 |
| Loan loss allowance to noncurrent loans | 144.6588% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 692 |
| Noncurrent loans to loans | 0.7901% | 2,384 |
| Net loans and leases to total assets | 81.6308% | 748 |
| Net loans and leases to deposits | 109.4207% | 295 |
| Net loans and leases to core deposits | 134.7307% | 272 |
| Total domestic deposits to total assets | 74.6027% | 5,171 |
| Equity capital to assets | 13.6235% | 1,113 |
| Core capital (leverage) ratio | 13.4478% | 1,042 |
| Tier 1 risk-based capital ratio | 15.8780% | 2,557 |
| Total risk-based capital ratio | 16.9794% | 2,552 |
| Memoranda: | ||
| Average total assets | $107,392,750 | 4,152 |
| Average earning assets | $103,547,250 | 4,076 |
| Average equity | $13,826,500 | 3,906 |
| Average total loans | $87,728,750 | 3,601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,046 |
| Cost of funding earning assets | 0.4463% | 2,639 |
| Net interest margin | 3.8797% | 2,005 |
| Noninterest income to average assets | 0.3108% | 4,315 |
| Noninterest expense to average assets | 2.5986% | 3,436 |
| Loan and lease loss provision to assets | 0.7816% | 133 |
| Net operating income to assets | 0.6712% | 3,974 |
| Return on assets (ROA) | 0.6712% | 4,033 |
| Pretax return on assets | 0.6712% | 4,626 |
| Return on Equity (ROE) | 5.3115% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.6339% | 4,124 |
| Net charge-offs to loans | 0.8245% | 240 |
| Credit loss provision to net charge-offs | 116.4384% | 1,818 |
| Earnings coverage of net charge-offs (x) | 2.1644% | 3,197 |
| Efficiency ratio | 64.1398% | 3,645 |
| Assets per employee ($millions) | 6.5713% | 1,114 |
| Cash dividends to net income (ytd only)* | 50.4110% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,547 |
| Loan loss allowance to noncurrent loans | 43.0478% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 3.4639% | 235 |
| Noncurrent loans to loans | 2.5723% | 566 |
| Net loans and leases to total assets | 84.9402% | 351 |
| Net loans and leases to deposits | 115.6602% | 165 |
| Net loans and leases to core deposits | 141.2080% | 178 |
| Total domestic deposits to total assets | 73.4395% | 5,336 |
| Equity capital to assets | 13.1633% | 1,297 |
| Core capital (leverage) ratio | 13.1779% | 1,110 |
| Tier 1 risk-based capital ratio | 14.8482% | 2,993 |
| Total risk-based capital ratio | 15.9235% | 2,996 |
| Memoranda: | ||
| Average total assets | $108,752,330 | 4,151 |
| Average earning assets | $104,853,000 | 4,076 |
| Average equity | $13,743,670 | 3,925 |
| Average total loans | $88,534,670 | 3,606 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,465 |
| Cost of funding earning assets | 0.4522% | 2,508 |
| Net interest margin | 3.7001% | 2,483 |
| Noninterest income to average assets | 0.3654% | 3,919 |
| Noninterest expense to average assets | 2.5218% | 3,738 |
| Loan and lease loss provision to assets | 1.1759% | 69 |
| Net operating income to assets | 0.2496% | 5,305 |
| Return on assets (ROA) | 0.2496% | 5,321 |
| Pretax return on assets | 0.2496% | 5,377 |
| Return on Equity (ROE) | 2.0153% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.0153% | 4,335 |
| Net charge-offs to loans | 1.4421% | 114 |
| Credit loss provision to net charge-offs | 102.8481% | 1,534 |
| Earnings coverage of net charge-offs (x) | 1.2468% | 2,746 |
| Efficiency ratio | 63.8863% | 3,857 |
| Assets per employee ($millions) | 6.8973% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,782 |
| Loan loss allowance to noncurrent loans | 88.6810% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 802 |
| Noncurrent loans to loans | 1.2263% | 1,654 |
| Net loans and leases to total assets | 78.1337% | 1,115 |
| Net loans and leases to deposits | 101.0927% | 543 |
| Net loans and leases to core deposits | 127.2821% | 299 |
| Total domestic deposits to total assets | 77.2892% | 5,080 |
| Equity capital to assets | 12.4442% | 1,576 |
| Core capital (leverage) ratio | 12.3573% | 1,419 |
| Tier 1 risk-based capital ratio | 15.3946% | 2,799 |
| Total risk-based capital ratio | 16.4600% | 2,803 |
| Memoranda: | ||
| Average total assets | $110,558,000 | 4,165 |
| Average earning assets | $107,025,000 | 4,066 |
| Average equity | $13,695,500 | 3,963 |
| Average total loans | $87,648,500 | 3,653 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 1,782 |
| Cost of funding earning assets | 0.4318% | 2,690 |
| Net interest margin | 3.9806% | 1,693 |
| Noninterest income to average assets | 0.3326% | 4,353 |
| Noninterest expense to average assets | 2.8232% | 2,949 |
| Loan and lease loss provision to assets | 0.2580% | 803 |
| Net operating income to assets | 1.1268% | 1,789 |
| Return on assets (ROA) | 1.1268% | 1,877 |
| Pretax return on assets | 1.1277% | 2,981 |
| Return on Equity (ROE) | 8.7388% | 2,547 |
| Retained earnings to average equity (ytd only) | 4.2323% | 2,893 |
| Net charge-offs to loans | 0.3304% | 833 |
| Credit loss provision to net charge-offs | 93.4256% | 2,739 |
| Earnings coverage of net charge-offs (x) | 5.0173% | 3,404 |
| Efficiency ratio | 67.0754% | 3,425 |
| Assets per employee ($millions) | 6.9224% | 954 |
| Cash dividends to net income (ytd only)* | 51.5691% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,919 |
| Loan loss allowance to noncurrent loans | 65.3445% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 623 |
| Noncurrent loans to loans | 1.6307% | 1,198 |
| Net loans and leases to total assets | 78.7150% | 1,087 |
| Net loans and leases to deposits | 101.4168% | 573 |
| Net loans and leases to core deposits | 133.1969% | 248 |
| Total domestic deposits to total assets | 77.6154% | 5,031 |
| Equity capital to assets | 12.3313% | 1,616 |
| Core capital (leverage) ratio | 12.7913% | 1,214 |
| Tier 1 risk-based capital ratio | 15.1199% | 2,913 |
| Total risk-based capital ratio | 16.1617% | 2,947 |
| Memoranda: | ||
| Average total assets | $104,634,800 | 4,269 |
| Average earning assets | $101,894,000 | 4,172 |
| Average equity | $13,491,600 | 4,027 |
| Average total loans | $87,460,200 | 3,629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 1,786 |
| Cost of funding earning assets | 0.4252% | 2,777 |
| Net interest margin | 3.9978% | 1,657 |
| Noninterest income to average assets | 0.3323% | 4,412 |
| Noninterest expense to average assets | 2.8747% | 2,720 |
| Loan and lease loss provision to assets | 0.2004% | 1,050 |
| Net operating income to assets | 1.1600% | 1,766 |
| Return on assets (ROA) | 1.1600% | 1,871 |
| Pretax return on assets | 1.1600% | 3,000 |
| Return on Equity (ROE) | 8.8920% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.5401% | 3,107 |
| Net charge-offs to loans | 0.2413% | 969 |
| Credit loss provision to net charge-offs | 98.1013% | 2,410 |
| Earnings coverage of net charge-offs (x) | 6.6583% | 2,977 |
| Efficiency ratio | 67.8779% | 3,242 |
| Assets per employee ($millions) | 6.6205% | 1,039 |
| Cash dividends to net income (ytd only)* | 48.9410% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 4,186 |
| Loan loss allowance to noncurrent loans | 33.5559% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.7113% | 475 |
| Noncurrent loans to loans | 3.0968% | 473 |
| Net loans and leases to total assets | 85.8555% | 261 |
| Net loans and leases to deposits | 120.1593% | 110 |
| Net loans and leases to core deposits | 163.1505% | 80 |
| Total domestic deposits to total assets | 71.4514% | 5,622 |
| Equity capital to assets | 12.9003% | 1,541 |
| Core capital (leverage) ratio | 12.8727% | 1,237 |
| Tier 1 risk-based capital ratio | 14.4477% | 3,310 |
| Total risk-based capital ratio | 15.4687% | 3,375 |
| Memoranda: | ||
| Average total assets | $103,103,750 | 4,336 |
| Average earning assets | $100,653,250 | 4,221 |
| Average equity | $13,450,000 | 4,064 |
| Average total loans | $87,294,500 | 3,650 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 1,866 |
| Cost of funding earning assets | 0.4191% | 2,842 |
| Net interest margin | 3.9667% | 1,750 |
| Noninterest income to average assets | 0.3034% | 4,620 |
| Noninterest expense to average assets | 2.8465% | 2,856 |
| Loan and lease loss provision to assets | 0.1370% | 1,655 |
| Net operating income to assets | 1.1922% | 1,632 |
| Return on assets (ROA) | 1.1922% | 1,725 |
| Pretax return on assets | 1.1922% | 2,805 |
| Return on Equity (ROE) | 9.1043% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.0380% | 2,714 |
| Net charge-offs to loans | 0.3195% | 741 |
| Credit loss provision to net charge-offs | 51.0949% | 2,658 |
| Earnings coverage of net charge-offs (x) | 4.9562% | 2,911 |
| Efficiency ratio | 68.1669% | 3,308 |
| Assets per employee ($millions) | 6.4202% | 1,122 |
| Cash dividends to net income (ytd only)* | 44.6634% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,495 |
| Loan loss allowance to noncurrent loans | 33.0364% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.6479% | 497 |
| Noncurrent loans to loans | 3.0376% | 490 |
| Net loans and leases to total assets | 85.4716% | 289 |
| Net loans and leases to deposits | 119.4284% | 106 |
| Net loans and leases to core deposits | 151.7517% | 116 |
| Total domestic deposits to total assets | 71.5672% | 5,693 |
| Equity capital to assets | 13.1869% | 1,398 |
| Core capital (leverage) ratio | 12.9739% | 1,157 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,126 |
| Total risk-based capital ratio | 15.8743% | 3,181 |
| Memoranda: | ||
| Average total assets | $102,162,330 | 4,387 |
| Average earning assets | $99,729,330 | 4,275 |
| Average equity | $13,378,330 | 4,094 |
| Average total loans | $85,759,330 | 3,697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,175 |
| Cost of funding earning assets | 0.4142% | 2,907 |
| Net interest margin | 3.8729% | 2,021 |
| Noninterest income to average assets | 0.2827% | 4,693 |
| Noninterest expense to average assets | 2.8464% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2171% | 1,501 |
| Return on assets (ROA) | 1.2171% | 1,605 |
| Pretax return on assets | 1.2171% | 2,633 |
| Return on Equity (ROE) | 9.3272% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.3272% | 1,018 |
| Net charge-offs to loans | 0.1091% | 1,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.4783% | 1,733 |
| Efficiency ratio | 70.0483% | 3,119 |
| Assets per employee ($millions) | 6.2745% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 4,047 |
| Loan loss allowance to noncurrent loans | 31.4497% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 2.9873% | 421 |
| Noncurrent loans to loans | 3.4969% | 391 |
| Net loans and leases to total assets | 83.7537% | 396 |
| Net loans and leases to deposits | 110.9481% | 204 |
| Net loans and leases to core deposits | 137.1491% | 196 |
| Total domestic deposits to total assets | 75.4891% | 5,472 |
| Equity capital to assets | 13.4433% | 1,197 |
| Core capital (leverage) ratio | 13.1349% | 1,111 |
| Tier 1 risk-based capital ratio | 15.4166% | 2,965 |
| Total risk-based capital ratio | 16.4950% | 2,980 |
| Memoranda: | ||
| Average total assets | $101,882,000 | 4,431 |
| Average earning assets | $99,459,500 | 4,310 |
| Average equity | $13,294,500 | 4,116 |
| Average total loans | $84,294,500 | 3,747 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 2,242 |
| Cost of funding earning assets | 0.4087% | 3,062 |
| Net interest margin | 3.8855% | 2,080 |
| Noninterest income to average assets | 0.3010% | 4,726 |
| Noninterest expense to average assets | 2.6937% | 3,598 |
| Loan and lease loss provision to assets | 0.4100% | 321 |
| Net operating income to assets | 0.9841% | 2,450 |
| Return on assets (ROA) | 0.9841% | 2,526 |
| Pretax return on assets | 0.9851% | 3,524 |
| Return on Equity (ROE) | 7.8108% | 3,065 |
| Retained earnings to average equity (ytd only) | 2.3050% | 4,418 |
| Net charge-offs to loans | 0.5041% | 518 |
| Credit loss provision to net charge-offs | 100.7109% | 2,486 |
| Earnings coverage of net charge-offs (x) | 3.4265% | 3,727 |
| Efficiency ratio | 65.8801% | 3,922 |
| Assets per employee ($millions) | 6.0807% | 1,331 |
| Cash dividends to net income (ytd only)* | 70.4902% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,772 |
| Loan loss allowance to noncurrent loans | 37.4658% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.4736% | 627 |
| Noncurrent loans to loans | 3.0596% | 514 |
| Net loans and leases to total assets | 79.9191% | 853 |
| Net loans and leases to deposits | 104.2514% | 427 |
| Net loans and leases to core deposits | 131.6999% | 243 |
| Total domestic deposits to total assets | 76.6600% | 5,373 |
| Equity capital to assets | 12.6659% | 1,523 |
| Core capital (leverage) ratio | 12.6242% | 1,296 |
| Tier 1 risk-based capital ratio | 15.3523% | 3,014 |
| Total risk-based capital ratio | 16.4787% | 3,003 |
| Memoranda: | ||
| Average total assets | $103,649,400 | 4,390 |
| Average earning assets | $101,041,200 | 4,262 |
| Average equity | $13,058,800 | 4,135 |
| Average total loans | $83,706,400 | 3,731 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 2,268 |
| Cost of funding earning assets | 0.4075% | 3,148 |
| Net interest margin | 3.8827% | 2,091 |
| Noninterest income to average assets | 0.3008% | 4,782 |
| Noninterest expense to average assets | 2.7137% | 3,514 |
| Loan and lease loss provision to assets | 0.3535% | 377 |
| Net operating income to assets | 1.0181% | 2,382 |
| Return on assets (ROA) | 1.0181% | 2,478 |
| Pretax return on assets | 1.0181% | 3,544 |
| Return on Equity (ROE) | 8.0916% | 3,030 |
| Retained earnings to average equity (ytd only) | 2.4418% | 4,651 |
| Net charge-offs to loans | 0.3646% | 717 |
| Credit loss provision to net charge-offs | 120.0873% | 1,984 |
| Earnings coverage of net charge-offs (x) | 4.6593% | 3,319 |
| Efficiency ratio | 66.4254% | 3,815 |
| Assets per employee ($millions) | 6.3929% | 1,124 |
| Cash dividends to net income (ytd only)* | 69.8230% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 3,736 |
| Loan loss allowance to noncurrent loans | 36.2256% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.7042% | 603 |
| Noncurrent loans to loans | 3.2731% | 507 |
| Net loans and leases to total assets | 81.6379% | 622 |
| Net loans and leases to deposits | 108.0383% | 304 |
| Net loans and leases to core deposits | 138.5354% | 183 |
| Total domestic deposits to total assets | 75.5639% | 5,563 |
| Equity capital to assets | 12.8355% | 1,538 |
| Core capital (leverage) ratio | 12.4766% | 1,430 |
| Tier 1 risk-based capital ratio | 15.1750% | 3,199 |
| Total risk-based capital ratio | 16.3450% | 3,184 |
| Memoranda: | ||
| Average total assets | $103,718,750 | 4,433 |
| Average earning assets | $101,096,750 | 4,301 |
| Average equity | $13,050,250 | 4,171 |
| Average total loans | $83,740,000 | 3,762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 2,484 |
| Cost of funding earning assets | 0.3968% | 3,312 |
| Net interest margin | 3.8222% | 2,229 |
| Noninterest income to average assets | 0.2764% | 4,971 |
| Noninterest expense to average assets | 2.6680% | 3,696 |
| Loan and lease loss provision to assets | 0.3839% | 325 |
| Net operating income to assets | 0.9597% | 2,588 |
| Return on assets (ROA) | 0.9597% | 2,700 |
| Pretax return on assets | 0.9597% | 3,738 |
| Return on Equity (ROE) | 7.6781% | 3,218 |
| Retained earnings to average equity (ytd only) | 2.6259% | 4,388 |
| Net charge-offs to loans | -0.0431% | 5,490 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5072% | 3,917 |
| Assets per employee ($millions) | 6.2289% | 1,198 |
| Cash dividends to net income (ytd only)* | 65.8000% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 2,856 |
| Loan loss allowance to noncurrent loans | 29.5615% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.7472% | 367 |
| Noncurrent loans to loans | 4.6629% | 282 |
| Net loans and leases to total assets | 79.2543% | 903 |
| Net loans and leases to deposits | 102.0030% | 551 |
| Net loans and leases to core deposits | 126.5002% | 328 |
| Total domestic deposits to total assets | 77.6980% | 5,336 |
| Equity capital to assets | 12.2823% | 1,817 |
| Core capital (leverage) ratio | 12.5265% | 1,365 |
| Tier 1 risk-based capital ratio | 14.6485% | 3,553 |
| Total risk-based capital ratio | 15.8984% | 3,481 |
| Memoranda: | ||
| Average total assets | $104,196,000 | 4,463 |
| Average earning assets | $101,827,000 | 4,320 |
| Average equity | $13,024,000 | 4,206 |
| Average total loans | $83,484,330 | 3,791 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,594 |
| Cost of funding earning assets | 0.3961% | 3,351 |
| Net interest margin | 3.7666% | 2,367 |
| Noninterest income to average assets | 0.2361% | 5,273 |
| Noninterest expense to average assets | 2.6319% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2850% | 1,324 |
| Return on assets (ROA) | 1.2850% | 1,409 |
| Pretax return on assets | 1.2850% | 2,343 |
| Return on Equity (ROE) | 10.1895% | 1,915 |
| Retained earnings to average equity (ytd only) | 9.9440% | 943 |
| Net charge-offs to loans | -0.0677% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1937% | 3,956 |
| Assets per employee ($millions) | 6.3974% | 1,143 |
| Cash dividends to net income (ytd only)* | 2.4096% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,027 |
| Loan loss allowance to noncurrent loans | 38.9402% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 2.4336% | 893 |
| Noncurrent loans to loans | 3.0610% | 695 |
| Net loans and leases to total assets | 78.5557% | 858 |
| Net loans and leases to deposits | 101.9500% | 459 |
| Net loans and leases to core deposits | 127.7554% | 275 |
| Total domestic deposits to total assets | 77.0531% | 5,602 |
| Equity capital to assets | 12.9467% | 1,433 |
| Core capital (leverage) ratio | 12.3724% | 1,414 |
| Tier 1 risk-based capital ratio | 15.4209% | 3,187 |
| Total risk-based capital ratio | 16.5645% | 3,186 |
| Memoranda: | ||
| Average total assets | $103,348,000 | 4,516 |
| Average earning assets | $100,992,000 | 4,371 |
| Average equity | $13,033,000 | 4,227 |
| Average total loans | $82,678,000 | 3,822 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,385 |
| Cost of funding earning assets | 0.4065% | 3,626 |
| Net interest margin | 4.2571% | 1,150 |
| Noninterest income to average assets | 0.3384% | 4,687 |
| Noninterest expense to average assets | 2.6790% | 3,946 |
| Loan and lease loss provision to assets | 0.0452% | 3,674 |
| Net operating income to assets | 1.7572% | 515 |
| Return on assets (ROA) | 1.7572% | 525 |
| Pretax return on assets | 1.7572% | 874 |
| Return on Equity (ROE) | 14.2636% | 886 |
| Retained earnings to average equity (ytd only) | 7.6534% | 1,138 |
| Net charge-offs to loans | 0.0663% | 3,535 |
| Credit loss provision to net charge-offs | 78.9474% | 2,885 |
| Earnings coverage of net charge-offs (x) | 31.4912% | 1,290 |
| Efficiency ratio | 59.7804% | 5,252 |
| Assets per employee ($millions) | 6.1375% | 1,291 |
| Cash dividends to net income (ytd only)* | 46.3429% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 4,349 |
| Loan loss allowance to noncurrent loans | 68.2143% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 2,091 |
| Noncurrent loans to loans | 1.6671% | 1,752 |
| Net loans and leases to total assets | 79.5712% | 801 |
| Net loans and leases to deposits | 102.0390% | 511 |
| Net loans and leases to core deposits | 109.3314% | 810 |
| Total domestic deposits to total assets | 77.9812% | 5,443 |
| Equity capital to assets | 12.2812% | 1,802 |
| Core capital (leverage) ratio | 12.3151% | 1,445 |
| Tier 1 risk-based capital ratio | 15.0072% | 3,483 |
| Total risk-based capital ratio | 16.1306% | 3,486 |
| Memoranda: | ||
| Average total assets | $99,590,600 | 4,609 |
| Average earning assets | $96,921,200 | 4,486 |
| Average equity | $12,269,000 | 4,311 |
| Average total loans | $85,955,600 | 3,714 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,275 |
| Cost of funding earning assets | 0.4055% | 3,723 |
| Net interest margin | 4.3096% | 1,032 |
| Noninterest income to average assets | 0.3333% | 4,773 |
| Noninterest expense to average assets | 2.6963% | 3,837 |
| Loan and lease loss provision to assets | 0.8062% | 153 |
| Net operating income to assets | 1.0216% | 2,358 |
| Return on assets (ROA) | 1.0216% | 2,415 |
| Pretax return on assets | 1.0216% | 3,515 |
| Return on Equity (ROE) | 8.2859% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.2308% | 4,944 |
| Net charge-offs to loans | 0.0972% | 2,836 |
| Credit loss provision to net charge-offs | 944.4444% | 345 |
| Earnings coverage of net charge-offs (x) | 21.4121% | 1,682 |
| Efficiency ratio | 59.5987% | 5,242 |
| Assets per employee ($millions) | 6.2587% | 1,164 |
| Cash dividends to net income (ytd only)* | 73.0770% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,954 |
| Loan loss allowance to noncurrent loans | 60.1043% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 2.4925% | 1,063 |
| Noncurrent loans to loans | 2.8371% | 969 |
| Net loans and leases to total assets | 86.2871% | 182 |
| Net loans and leases to deposits | 108.9677% | 243 |
| Net loans and leases to core deposits | 136.2908% | 177 |
| Total domestic deposits to total assets | 79.1859% | 5,283 |
| Equity capital to assets | 12.1062% | 1,973 |
| Core capital (leverage) ratio | 11.9298% | 1,738 |
| Tier 1 risk-based capital ratio | 13.6416% | 4,453 |
| Total risk-based capital ratio | 14.8968% | 4,387 |
| Memoranda: | ||
| Average total assets | $98,403,750 | 4,686 |
| Average earning assets | $95,691,500 | 4,555 |
| Average equity | $12,132,750 | 4,361 |
| Average total loans | $86,450,000 | 3,741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 1,238 |
| Cost of funding earning assets | 0.4030% | 3,839 |
| Net interest margin | 4.3201% | 986 |
| Noninterest income to average assets | 0.3189% | 4,865 |
| Noninterest expense to average assets | 2.6762% | 3,954 |
| Loan and lease loss provision to assets | 1.0733% | 95 |
| Net operating income to assets | 0.7769% | 3,443 |
| Return on assets (ROA) | 0.7769% | 3,542 |
| Pretax return on assets | 0.7769% | 4,355 |
| Return on Equity (ROE) | 6.2624% | 4,018 |
| Retained earnings to average equity (ytd only) | 0.4944% | 5,543 |
| Net charge-offs to loans | 0.1722% | 2,015 |
| Credit loss provision to net charge-offs | 709.4595% | 447 |
| Earnings coverage of net charge-offs (x) | 12.2297% | 2,081 |
| Efficiency ratio | 59.1238% | 5,410 |
| Assets per employee ($millions) | 5.9115% | 1,346 |
| Cash dividends to net income (ytd only)* | 92.1053% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 2,319 |
| Loan loss allowance to noncurrent loans | 58.3299% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.4210% | 1,189 |
| Noncurrent loans to loans | 2.8146% | 1,069 |
| Net loans and leases to total assets | 84.5327% | 264 |
| Net loans and leases to deposits | 106.6392% | 281 |
| Net loans and leases to core deposits | 133.2121% | 195 |
| Total domestic deposits to total assets | 79.2698% | 5,397 |
| Equity capital to assets | 11.9258% | 2,043 |
| Core capital (leverage) ratio | 11.7804% | 1,801 |
| Tier 1 risk-based capital ratio | 13.6110% | 4,518 |
| Total risk-based capital ratio | 14.8656% | 4,450 |
| Memoranda: | ||
| Average total assets | $97,825,330 | 4,735 |
| Average earning assets | $95,276,000 | 4,603 |
| Average equity | $12,136,000 | 4,370 |
| Average total loans | $85,964,670 | 3,769 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 1,095 |
| Cost of funding earning assets | 0.4083% | 3,868 |
| Net interest margin | 4.3676% | 864 |
| Noninterest income to average assets | 0.3399% | 4,657 |
| Noninterest expense to average assets | 2.7651% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8365% | 454 |
| Return on assets (ROA) | 1.8365% | 474 |
| Pretax return on assets | 1.8323% | 765 |
| Return on Equity (ROE) | 14.5109% | 858 |
| Retained earnings to average equity (ytd only) | 14.0851% | 388 |
| Net charge-offs to loans | -0.0047% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1443% | 5,388 |
| Assets per employee ($millions) | 6.1104% | 1,238 |
| Cash dividends to net income (ytd only)* | 2.9345% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,980 |
| Loan loss allowance to noncurrent loans | 139.0805% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 3,883 |
| Noncurrent loans to loans | 0.8131% | 3,846 |
| Net loans and leases to total assets | 86.5638% | 120 |
| Net loans and leases to deposits | 107.1673% | 208 |
| Net loans and leases to core deposits | 134.1587% | 156 |
| Total domestic deposits to total assets | 80.7745% | 5,297 |
| Equity capital to assets | 12.6956% | 1,459 |
| Core capital (leverage) ratio | 12.6581% | 1,316 |
| Tier 1 risk-based capital ratio | 14.2628% | 4,157 |
| Total risk-based capital ratio | 15.3901% | 4,182 |
| Memoranda: | ||
| Average total assets | $96,490,000 | 4,812 |
| Average earning assets | $94,056,500 | 4,683 |
| Average equity | $12,211,500 | 4,387 |
| Average total loans | $85,762,000 | 3,801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 849 |
| Cost of funding earning assets | 0.4451% | 4,160 |
| Net interest margin | 4.5948% | 619 |
| Noninterest income to average assets | 0.4273% | 4,251 |
| Noninterest expense to average assets | 2.7379% | 3,963 |
| Loan and lease loss provision to assets | 0.1244% | 2,760 |
| Net operating income to assets | 2.0088% | 334 |
| Return on assets (ROA) | 2.0088% | 336 |
| Pretax return on assets | 2.0099% | 465 |
| Return on Equity (ROE) | 15.7718% | 647 |
| Retained earnings to average equity (ytd only) | 6.7096% | 1,571 |
| Net charge-offs to loans | 0.1088% | 3,740 |
| Credit loss provision to net charge-offs | 129.2135% | 1,812 |
| Earnings coverage of net charge-offs (x) | 22.1685% | 1,461 |
| Efficiency ratio | 56.1945% | 5,933 |
| Assets per employee ($millions) | 5.9509% | 1,303 |
| Cash dividends to net income (ytd only)* | 57.4583% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 5,025 |
| Loan loss allowance to noncurrent loans | 136.7751% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 3,945 |
| Noncurrent loans to loans | 0.8228% | 3,918 |
| Net loans and leases to total assets | 89.2295% | 55 |
| Net loans and leases to deposits | 115.9248% | 97 |
| Net loans and leases to core deposits | 149.2525% | 100 |
| Total domestic deposits to total assets | 76.9719% | 5,972 |
| Equity capital to assets | 12.6147% | 1,459 |
| Core capital (leverage) ratio | 12.6789% | 1,267 |
| Tier 1 risk-based capital ratio | 13.9287% | 4,342 |
| Total risk-based capital ratio | 15.0685% | 4,372 |
| Memoranda: | ||
| Average total assets | $92,444,400 | 4,921 |
| Average earning assets | $89,427,000 | 4,794 |
| Average equity | $11,774,200 | 4,490 |
| Average total loans | $81,771,600 | 3,888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 766 |
| Cost of funding earning assets | 0.4563% | 4,198 |
| Net interest margin | 4.6492% | 566 |
| Noninterest income to average assets | 0.4563% | 4,111 |
| Noninterest expense to average assets | 2.7174% | 3,956 |
| Loan and lease loss provision to assets | 0.1671% | 2,170 |
| Net operating income to assets | 2.0562% | 324 |
| Return on assets (ROA) | 2.0562% | 335 |
| Pretax return on assets | 2.0577% | 511 |
| Return on Equity (ROE) | 16.1043% | 640 |
| Retained earnings to average equity (ytd only) | 7.0449% | 1,848 |
| Net charge-offs to loans | 0.1470% | 3,072 |
| Credit loss provision to net charge-offs | 129.2135% | 1,824 |
| Earnings coverage of net charge-offs (x) | 17.2028% | 1,745 |
| Efficiency ratio | 54.9838% | 6,017 |
| Assets per employee ($millions) | 5.7984% | 1,380 |
| Cash dividends to net income (ytd only)* | 56.2546% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,053 |
| Loan loss allowance to noncurrent loans | 121.5094% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 3,854 |
| Noncurrent loans to loans | 0.9577% | 3,904 |
| Net loans and leases to total assets | 88.4343% | 76 |
| Net loans and leases to deposits | 117.2945% | 87 |
| Net loans and leases to core deposits | 151.8883% | 87 |
| Total domestic deposits to total assets | 75.3950% | 6,239 |
| Equity capital to assets | 12.7881% | 1,431 |
| Core capital (leverage) ratio | 12.3142% | 1,510 |
| Tier 1 risk-based capital ratio | 13.9276% | 4,482 |
| Total risk-based capital ratio | 15.0829% | 4,500 |
| Memoranda: | ||
| Average total assets | $91,752,000 | 4,979 |
| Average earning assets | $88,528,500 | 4,858 |
| Average equity | $11,715,000 | 4,553 |
| Average total loans | $80,733,000 | 3,951 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 820 |
| Cost of funding earning assets | 0.4613% | 4,296 |
| Net interest margin | 4.6059% | 591 |
| Noninterest income to average assets | 0.4682% | 4,037 |
| Noninterest expense to average assets | 2.7043% | 4,014 |
| Loan and lease loss provision to assets | 0.1750% | 2,158 |
| Net operating income to assets | 2.0216% | 345 |
| Return on assets (ROA) | 2.0216% | 366 |
| Pretax return on assets | 2.0238% | 578 |
| Return on Equity (ROE) | 15.8418% | 685 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,572 |
| Net charge-offs to loans | 0.2251% | 2,386 |
| Credit loss provision to net charge-offs | 88.8889% | 2,465 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 2,079 |
| Efficiency ratio | 55.1539% | 6,052 |
| Assets per employee ($millions) | 5.3969% | 1,698 |
| Cash dividends to net income (ytd only)* | 50.8658% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,316 |
| Loan loss allowance to noncurrent loans | 111.2306% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 3,842 |
| Noncurrent loans to loans | 1.0159% | 3,903 |
| Net loans and leases to total assets | 88.7822% | 67 |
| Net loans and leases to deposits | 112.8248% | 107 |
| Net loans and leases to core deposits | 142.2298% | 121 |
| Total domestic deposits to total assets | 78.6903% | 5,854 |
| Equity capital to assets | 12.7873% | 1,423 |
| Core capital (leverage) ratio | 12.5375% | 1,346 |
| Tier 1 risk-based capital ratio | 13.9132% | 4,477 |
| Total risk-based capital ratio | 15.0413% | 4,542 |
| Memoranda: | ||
| Average total assets | $91,411,330 | 5,025 |
| Average earning assets | $88,017,000 | 4,899 |
| Average equity | $11,665,330 | 4,597 |
| Average total loans | $79,974,000 | 3,981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 646 |
| Cost of funding earning assets | 0.4720% | 4,349 |
| Net interest margin | 4.6976% | 471 |
| Noninterest income to average assets | 0.5041% | 3,746 |
| Noninterest expense to average assets | 2.5996% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3980% | 179 |
| Return on assets (ROA) | 2.3980% | 192 |
| Pretax return on assets | 2.3980% | 310 |
| Return on Equity (ROE) | 18.8102% | 373 |
| Retained earnings to average equity (ytd only) | 18.8102% | 174 |
| Net charge-offs to loans | -0.0355% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0175% | 6,379 |
| Assets per employee ($millions) | 6.5126% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 5,180 |
| Loan loss allowance to noncurrent loans | 89.3497% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 3,366 |
| Noncurrent loans to loans | 1.3420% | 3,551 |
| Net loans and leases to total assets | 85.6751% | 131 |
| Net loans and leases to deposits | 107.2713% | 177 |
| Net loans and leases to core deposits | 133.7855% | 154 |
| Total domestic deposits to total assets | 79.8677% | 5,782 |
| Equity capital to assets | 13.0406% | 1,410 |
| Core capital (leverage) ratio | 12.6982% | 1,252 |
| Tier 1 risk-based capital ratio | 14.5528% | 4,137 |
| Total risk-based capital ratio | 15.7448% | 4,145 |
| Memoranda: | ||
| Average total assets | $91,243,500 | 5,070 |
| Average earning assets | $87,279,000 | 4,949 |
| Average equity | $11,632,000 | 4,644 |
| Average total loans | $78,768,000 | 4,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 1,197 |
| Cost of funding earning assets | 0.5867% | 4,475 |
| Net interest margin | 4.5679% | 832 |
| Noninterest income to average assets | 0.4693% | 4,106 |
| Noninterest expense to average assets | 2.7323% | 4,283 |
| Loan and lease loss provision to assets | 0.1072% | 4,294 |
| Net operating income to assets | 2.0024% | 354 |
| Return on assets (ROA) | 2.0024% | 387 |
| Pretax return on assets | 2.0035% | 592 |
| Return on Equity (ROE) | 15.9812% | 663 |
| Retained earnings to average equity (ytd only) | 5.8163% | 2,181 |
| Net charge-offs to loans | 0.0092% | 5,815 |
| Credit loss provision to net charge-offs | 1,357.1429% | 187 |
| Earnings coverage of net charge-offs (x) | 267.2857% | 145 |
| Efficiency ratio | 56.4174% | 6,015 |
| Assets per employee ($millions) | 6.0873% | 1,228 |
| Cash dividends to net income (ytd only)* | 63.6056% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,114 |
| Loan loss allowance to noncurrent loans | 43.0664% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.5277% | 1,927 |
| Noncurrent loans to loans | 2.7844% | 1,891 |
| Net loans and leases to total assets | 84.9096% | 178 |
| Net loans and leases to deposits | 107.1655% | 200 |
| Net loans and leases to core deposits | 135.2080% | 152 |
| Total domestic deposits to total assets | 79.2323% | 5,843 |
| Equity capital to assets | 12.4565% | 1,743 |
| Core capital (leverage) ratio | 12.4736% | 1,333 |
| Tier 1 risk-based capital ratio | 14.0382% | 4,361 |
| Total risk-based capital ratio | 15.2362% | 4,356 |
| Memoranda: | ||
| Average total assets | $88,644,200 | 5,121 |
| Average earning assets | $84,875,400 | 4,992 |
| Average equity | $11,106,800 | 4,742 |
| Average total loans | $76,076,200 | 4,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 1,183 |
| Cost of funding earning assets | 0.6088% | 4,552 |
| Net interest margin | 4.5960% | 827 |
| Noninterest income to average assets | 0.4804% | 4,063 |
| Noninterest expense to average assets | 2.7112% | 4,314 |
| Loan and lease loss provision to assets | 0.1440% | 3,734 |
| Net operating income to assets | 2.0399% | 365 |
| Return on assets (ROA) | 2.0399% | 407 |
| Pretax return on assets | 2.0414% | 644 |
| Return on Equity (ROE) | 16.2556% | 705 |
| Retained earnings to average equity (ytd only) | 7.4153% | 1,887 |
| Net charge-offs to loans | 0.0159% | 5,464 |
| Credit loss provision to net charge-offs | 1,055.5556% | 266 |
| Earnings coverage of net charge-offs (x) | 160.2183% | 275 |
| Efficiency ratio | 55.3699% | 6,124 |
| Assets per employee ($millions) | 6.3570% | 1,029 |
| Cash dividends to net income (ytd only)* | 54.3837% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,205 |
| Loan loss allowance to noncurrent loans | 45.4765% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 2.6237% | 2,012 |
| Noncurrent loans to loans | 2.6777% | 2,115 |
| Net loans and leases to total assets | 85.6795% | 156 |
| Net loans and leases to deposits | 108.3832% | 186 |
| Net loans and leases to core deposits | 143.0557% | 130 |
| Total domestic deposits to total assets | 79.0523% | 5,860 |
| Equity capital to assets | 12.7812% | 1,725 |
| Core capital (leverage) ratio | 12.3634% | 1,463 |
| Tier 1 risk-based capital ratio | 13.9939% | 4,522 |
| Total risk-based capital ratio | 15.1902% | 4,523 |
| Memoranda: | ||
| Average total assets | $87,977,750 | 5,193 |
| Average earning assets | $84,534,750 | 5,057 |
| Average equity | $11,040,000 | 4,797 |
| Average total loans | $75,477,250 | 4,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 1,373 |
| Cost of funding earning assets | 0.6222% | 4,699 |
| Net interest margin | 4.5291% | 944 |
| Noninterest income to average assets | 0.5135% | 3,836 |
| Noninterest expense to average assets | 2.7522% | 4,211 |
| Loan and lease loss provision to assets | 0.1483% | 3,661 |
| Net operating income to assets | 1.9626% | 418 |
| Return on assets (ROA) | 1.9626% | 480 |
| Pretax return on assets | 1.9649% | 735 |
| Return on Equity (ROE) | 15.7389% | 810 |
| Retained earnings to average equity (ytd only) | 6.7714% | 2,235 |
| Net charge-offs to loans | 0.0320% | 4,927 |
| Credit loss provision to net charge-offs | 541.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 77.1667% | 529 |
| Efficiency ratio | 56.5666% | 6,054 |
| Assets per employee ($millions) | 5.5453% | 1,583 |
| Cash dividends to net income (ytd only)* | 56.9767% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,492 |
| Loan loss allowance to noncurrent loans | 43.4116% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6791% | 2,061 |
| Noncurrent loans to loans | 2.6891% | 2,236 |
| Net loans and leases to total assets | 86.4512% | 120 |
| Net loans and leases to deposits | 110.2783% | 142 |
| Net loans and leases to core deposits | 136.5989% | 166 |
| Total domestic deposits to total assets | 78.3937% | 6,082 |
| Equity capital to assets | 12.5310% | 1,799 |
| Core capital (leverage) ratio | 12.4344% | 1,381 |
| Tier 1 risk-based capital ratio | 13.6801% | 4,690 |
| Total risk-based capital ratio | 14.8328% | 4,728 |
| Memoranda: | ||
| Average total assets | $87,637,670 | 5,236 |
| Average earning assets | $84,210,670 | 5,094 |
| Average equity | $10,928,330 | 4,826 |
| Average total loans | $74,905,330 | 4,255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 1,170 |
| Cost of funding earning assets | 0.6475% | 4,750 |
| Net interest margin | 4.6234% | 787 |
| Noninterest income to average assets | 0.4868% | 4,008 |
| Noninterest expense to average assets | 2.7740% | 4,147 |
| Loan and lease loss provision to assets | 0.1607% | 3,374 |
| Net operating income to assets | 1.9795% | 435 |
| Return on assets (ROA) | 1.9795% | 500 |
| Pretax return on assets | 1.9795% | 764 |
| Return on Equity (ROE) | 15.9136% | 818 |
| Retained earnings to average equity (ytd only) | 5.6122% | 3,192 |
| Net charge-offs to loans | -0.0054% | 5,804 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4486% | 6,080 |
| Assets per employee ($millions) | 5.7787% | 1,449 |
| Cash dividends to net income (ytd only)* | 64.7332% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 5,501 |
| Loan loss allowance to noncurrent loans | 54.3067% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2450% | 2,653 |
| Noncurrent loans to loans | 2.2032% | 2,913 |
| Net loans and leases to total assets | 84.6910% | 165 |
| Net loans and leases to deposits | 106.3142% | 200 |
| Net loans and leases to core deposits | 133.4673% | 173 |
| Total domestic deposits to total assets | 79.6611% | 5,928 |
| Equity capital to assets | 12.5633% | 1,681 |
| Core capital (leverage) ratio | 12.4021% | 1,381 |
| Tier 1 risk-based capital ratio | 13.8562% | 4,565 |
| Total risk-based capital ratio | 15.0255% | 4,611 |
| Memoranda: | ||
| Average total assets | $87,094,500 | 5,289 |
| Average earning assets | $83,401,000 | 5,160 |
| Average equity | $10,833,500 | 4,856 |
| Average total loans | $73,553,500 | 4,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 1,770 |
| Cost of funding earning assets | 0.8095% | 4,796 |
| Net interest margin | 4.4703% | 1,209 |
| Noninterest income to average assets | 0.2100% | 6,014 |
| Noninterest expense to average assets | 2.7706% | 4,472 |
| Loan and lease loss provision to assets | 0.1313% | 4,971 |
| Net operating income to assets | 1.5953% | 666 |
| Return on assets (ROA) | 1.5953% | 729 |
| Pretax return on assets | 1.5977% | 1,208 |
| Return on Equity (ROE) | 12.7178% | 1,225 |
| Retained earnings to average equity (ytd only) | 2.8442% | 4,216 |
| Net charge-offs to loans | 0.0609% | 5,691 |
| Credit loss provision to net charge-offs | 261.9048% | 917 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 752 |
| Efficiency ratio | 61.5752% | 5,526 |
| Assets per employee ($millions) | 5.8339% | 1,341 |
| Cash dividends to net income (ytd only)* | 77.6365% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,525 |
| Loan loss allowance to noncurrent loans | 92.4160% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 3,854 |
| Noncurrent loans to loans | 1.2677% | 4,256 |
| Net loans and leases to total assets | 82.2256% | 324 |
| Net loans and leases to deposits | 104.0158% | 310 |
| Net loans and leases to core deposits | 128.1346% | 258 |
| Total domestic deposits to total assets | 79.0511% | 5,985 |
| Equity capital to assets | 12.3154% | 1,899 |
| Core capital (leverage) ratio | 12.2703% | 1,457 |
| Tier 1 risk-based capital ratio | 13.8944% | 4,402 |
| Total risk-based capital ratio | 15.0359% | 4,452 |
| Memoranda: | ||
| Average total assets | $83,808,800 | 5,347 |
| Average earning assets | $80,419,000 | 5,218 |
| Average equity | $10,512,800 | 4,901 |
| Average total loans | $68,942,200 | 4,534 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 1,941 |
| Cost of funding earning assets | 0.8413% | 4,839 |
| Net interest margin | 4.4391% | 1,295 |
| Noninterest income to average assets | 0.1046% | 6,728 |
| Noninterest expense to average assets | 2.8183% | 4,274 |
| Loan and lease loss provision to assets | 0.1207% | 4,925 |
| Net operating income to assets | 1.4333% | 1,092 |
| Return on assets (ROA) | 1.4333% | 1,163 |
| Pretax return on assets | 1.4349% | 1,830 |
| Return on Equity (ROE) | 11.3717% | 1,737 |
| Retained earnings to average equity (ytd only) | 1.9527% | 5,161 |
| Net charge-offs to loans | 0.0883% | 5,091 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 21.4883% | 1,180 |
| Efficiency ratio | 64.4355% | 4,991 |
| Assets per employee ($millions) | 5.2581% | 1,864 |
| Cash dividends to net income (ytd only)* | 82.8287% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,542 |
| Loan loss allowance to noncurrent loans | 93.5706% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 3,968 |
| Noncurrent loans to loans | 1.2635% | 4,422 |
| Net loans and leases to total assets | 80.9709% | 427 |
| Net loans and leases to deposits | 97.9130% | 583 |
| Net loans and leases to core deposits | 121.4304% | 352 |
| Total domestic deposits to total assets | 82.6968% | 4,796 |
| Equity capital to assets | 12.6865% | 1,795 |
| Core capital (leverage) ratio | 12.3920% | 1,489 |
| Tier 1 risk-based capital ratio | 14.4971% | 3,982 |
| Total risk-based capital ratio | 15.6514% | 4,016 |
| Memoranda: | ||
| Average total assets | $82,884,000 | 5,413 |
| Average earning assets | $79,714,750 | 5,278 |
| Average equity | $10,446,750 | 4,931 |
| Average total loans | $67,976,000 | 4,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2420% | 2,088 |
| Cost of funding earning assets | 0.8854% | 4,789 |
| Net interest margin | 4.3566% | 1,494 |
| Noninterest income to average assets | -0.0631% | 7,265 |
| Noninterest expense to average assets | 2.8617% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2611% | 1,419 |
| Return on assets (ROA) | 1.2611% | 1,482 |
| Pretax return on assets | 1.2635% | 2,257 |
| Return on Equity (ROE) | 10.0276% | 2,105 |
| Retained earnings to average equity (ytd only) | 2.1405% | 4,921 |
| Net charge-offs to loans | 0.1182% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 13.0250% | 1,586 |
| Efficiency ratio | 69.3710% | 4,246 |
| Assets per employee ($millions) | 5.1093% | 1,979 |
| Cash dividends to net income (ytd only)* | 78.6538% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,992 |
| Loan loss allowance to noncurrent loans | 147.3267% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 4,635 |
| Noncurrent loans to loans | 0.7412% | 5,432 |
| Net loans and leases to total assets | 82.4302% | 344 |
| Net loans and leases to deposits | 100.5956% | 464 |
| Net loans and leases to core deposits | 124.1365% | 342 |
| Total domestic deposits to total assets | 81.9421% | 5,191 |
| Equity capital to assets | 12.9177% | 1,562 |
| Core capital (leverage) ratio | 12.5843% | 1,323 |
| Tier 1 risk-based capital ratio | 14.5945% | 3,733 |
| Total risk-based capital ratio | 15.6597% | 3,831 |
| Memoranda: | ||
| Average total assets | $82,469,000 | 5,471 |
| Average earning assets | $79,282,000 | 5,336 |
| Average equity | $10,371,330 | 4,957 |
| Average total loans | $67,656,330 | 4,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1871% | 2,269 |
| Cost of funding earning assets | 0.9691% | 4,430 |
| Net interest margin | 4.2180% | 1,840 |
| Noninterest income to average assets | 0.1594% | 6,583 |
| Noninterest expense to average assets | 2.8975% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3184% | 1,227 |
| Return on assets (ROA) | 1.3184% | 1,273 |
| Pretax return on assets | 1.3184% | 1,985 |
| Return on Equity (ROE) | 10.6257% | 1,865 |
| Retained earnings to average equity (ytd only) | -0.8174% | 5,945 |
| Net charge-offs to loans | 0.0415% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 695 |
| Efficiency ratio | 68.7285% | 4,520 |
| Assets per employee ($millions) | 5.0822% | 2,049 |
| Cash dividends to net income (ytd only)* | 107.6923% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,737 |
| Loan loss allowance to noncurrent loans | 69.0941% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 3,174 |
| Noncurrent loans to loans | 1.7028% | 3,939 |
| Net loans and leases to total assets | 80.3640% | 480 |
| Net loans and leases to deposits | 97.9642% | 572 |
| Net loans and leases to core deposits | 123.2981% | 361 |
| Total domestic deposits to total assets | 82.0341% | 5,303 |
| Equity capital to assets | 12.6250% | 1,564 |
| Core capital (leverage) ratio | 12.2410% | 1,435 |
| Tier 1 risk-based capital ratio | 14.8598% | 3,499 |
| Total risk-based capital ratio | 16.0087% | 3,535 |
| Memoranda: | ||
| Average total assets | $82,829,500 | 5,502 |
| Average earning assets | $79,659,500 | 5,372 |
| Average equity | $10,277,000 | 4,967 |
| Average total loans | $67,420,000 | 4,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 2,267 |
| Cost of funding earning assets | 1.3912% | 3,333 |
| Net interest margin | 4.1128% | 2,509 |
| Noninterest income to average assets | 0.3984% | 4,918 |
| Noninterest expense to average assets | 2.6955% | 5,009 |
| Loan and lease loss provision to assets | 0.1555% | 5,650 |
| Net operating income to assets | 1.4929% | 776 |
| Return on assets (ROA) | 1.4929% | 836 |
| Pretax return on assets | 1.4941% | 1,390 |
| Return on Equity (ROE) | 12.0843% | 1,304 |
| Retained earnings to average equity (ytd only) | 4.2870% | 2,840 |
| Net charge-offs to loans | 0.1911% | 5,155 |
| Credit loss provision to net charge-offs | 98.4615% | 4,699 |
| Earnings coverage of net charge-offs (x) | 10.4462% | 1,702 |
| Efficiency ratio | 62.0352% | 5,726 |
| Assets per employee ($millions) | 5.6229% | 1,480 |
| Cash dividends to net income (ytd only)* | 64.5240% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,770 |
| Loan loss allowance to noncurrent loans | 87.9059% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,456 |
| Noncurrent loans to loans | 1.2996% | 4,543 |
| Net loans and leases to total assets | 80.5380% | 594 |
| Net loans and leases to deposits | 99.1433% | 628 |
| Net loans and leases to core deposits | 123.7029% | 432 |
| Total domestic deposits to total assets | 81.2340% | 5,444 |
| Equity capital to assets | 12.1977% | 1,794 |
| Core capital (leverage) ratio | 12.4600% | 1,332 |
| Tier 1 risk-based capital ratio | 14.3255% | 3,659 |
| Total risk-based capital ratio | 15.4408% | 3,700 |
| Memoranda: | ||
| Average total assets | $82,323,200 | 5,519 |
| Average earning assets | $78,996,600 | 5,386 |
| Average equity | $10,170,200 | 5,084 |
| Average total loans | $68,027,400 | 4,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 2,096 |
| Cost of funding earning assets | 1.4920% | 3,027 |
| Net interest margin | 4.0988% | 2,626 |
| Noninterest income to average assets | 0.4530% | 4,539 |
| Noninterest expense to average assets | 2.6758% | 4,980 |
| Loan and lease loss provision to assets | 0.2086% | 4,978 |
| Net operating income to assets | 1.4976% | 930 |
| Return on assets (ROA) | 1.4976% | 1,007 |
| Pretax return on assets | 1.4992% | 1,620 |
| Return on Equity (ROE) | 12.0829% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.4549% | 1,615 |
| Net charge-offs to loans | 0.2358% | 4,529 |
| Credit loss provision to net charge-offs | 106.6667% | 4,010 |
| Earnings coverage of net charge-offs (x) | 8.7331% | 2,120 |
| Efficiency ratio | 61.0409% | 5,786 |
| Assets per employee ($millions) | 5.6801% | 1,480 |
| Cash dividends to net income (ytd only)* | 38.3025% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 6,077 |
| Loan loss allowance to noncurrent loans | 75.7143% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 3,371 |
| Noncurrent loans to loans | 1.4126% | 4,496 |
| Net loans and leases to total assets | 86.3100% | 179 |
| Net loans and leases to deposits | 114.1170% | 186 |
| Net loans and leases to core deposits | 140.5336% | 257 |
| Total domestic deposits to total assets | 75.6329% | 6,711 |
| Equity capital to assets | 12.3884% | 1,924 |
| Core capital (leverage) ratio | 12.9329% | 1,255 |
| Tier 1 risk-based capital ratio | 13.3949% | 4,277 |
| Total risk-based capital ratio | 14.4375% | 4,417 |
| Memoranda: | ||
| Average total assets | $81,818,000 | 5,605 |
| Average earning assets | $78,460,000 | 5,468 |
| Average equity | $10,140,750 | 5,151 |
| Average total loans | $67,855,750 | 4,837 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 2,947 |
| Cost of funding earning assets | 1.2954% | 4,567 |
| Net interest margin | 4.1110% | 2,505 |
| Noninterest income to average assets | 0.4660% | 4,389 |
| Noninterest expense to average assets | 2.6794% | 4,995 |
| Loan and lease loss provision to assets | 0.2479% | 4,444 |
| Net operating income to assets | 1.4773% | 950 |
| Return on assets (ROA) | 1.4773% | 1,011 |
| Pretax return on assets | 1.4797% | 1,615 |
| Return on Equity (ROE) | 11.9168% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.7179% | 1,541 |
| Net charge-offs to loans | 0.2222% | 4,270 |
| Credit loss provision to net charge-offs | 136.9863% | 2,927 |
| Earnings coverage of net charge-offs (x) | 9.5479% | 2,007 |
| Efficiency ratio | 60.7987% | 5,897 |
| Assets per employee ($millions) | 5.2813% | 1,835 |
| Cash dividends to net income (ytd only)* | 35.2349% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 5,269 |
| Loan loss allowance to noncurrent loans | 94.3287% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 3,744 |
| Noncurrent loans to loans | 1.3084% | 4,765 |
| Net loans and leases to total assets | 82.3300% | 504 |
| Net loans and leases to deposits | 100.3817% | 690 |
| Net loans and leases to core deposits | 133.7126% | 370 |
| Total domestic deposits to total assets | 82.0169% | 4,981 |
| Equity capital to assets | 12.9666% | 1,585 |
| Core capital (leverage) ratio | 12.7327% | 1,315 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,321 |
| Total risk-based capital ratio | 15.9190% | 3,317 |
| Memoranda: | ||
| Average total assets | $80,690,330 | 5,678 |
| Average earning assets | $77,353,330 | 5,536 |
| Average equity | $10,002,670 | 5,201 |
| Average total loans | $65,697,000 | 4,951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 3,102 |
| Cost of funding earning assets | 1.3338% | 4,604 |
| Net interest margin | 4.0525% | 2,639 |
| Noninterest income to average assets | 0.4323% | 4,640 |
| Noninterest expense to average assets | 2.6576% | 5,112 |
| Loan and lease loss provision to assets | 0.1965% | 4,534 |
| Net operating income to assets | 1.4688% | 949 |
| Return on assets (ROA) | 1.4688% | 1,018 |
| Pretax return on assets | 1.4737% | 1,583 |
| Return on Equity (ROE) | 12.1200% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.4718% | 1,544 |
| Net charge-offs to loans | 0.4578% | 2,672 |
| Credit loss provision to net charge-offs | 53.3333% | 4,430 |
| Earnings coverage of net charge-offs (x) | 4.5333% | 2,611 |
| Efficiency ratio | 61.4075% | 5,926 |
| Assets per employee ($millions) | 5.4131% | 1,754 |
| Cash dividends to net income (ytd only)* | 30.1003% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,747 |
| Loan loss allowance to noncurrent loans | 196.8668% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1786% | 4,818 |
| Noncurrent loans to loans | 0.5866% | 6,133 |
| Net loans and leases to total assets | 79.4830% | 912 |
| Net loans and leases to deposits | 97.3453% | 970 |
| Net loans and leases to core deposits | 106.5811% | 1,532 |
| Total domestic deposits to total assets | 81.6506% | 5,218 |
| Equity capital to assets | 12.2518% | 1,902 |
| Core capital (leverage) ratio | 12.2139% | 1,539 |
| Tier 1 risk-based capital ratio | 14.6697% | 3,274 |
| Total risk-based capital ratio | 15.7918% | 3,323 |
| Memoranda: | ||
| Average total assets | $81,426,000 | 5,726 |
| Average earning assets | $78,273,000 | 5,567 |
| Average equity | $9,868,000 | 5,279 |
| Average total loans | $65,527,500 | 5,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7820% | 2,734 |
| Cost of funding earning assets | 1.6682% | 4,681 |
| Net interest margin | 4.1138% | 2,392 |
| Noninterest income to average assets | 0.4497% | 4,815 |
| Noninterest expense to average assets | 2.8849% | 4,592 |
| Loan and lease loss provision to assets | 0.0196% | 7,308 |
| Net operating income to assets | 1.4732% | 708 |
| Return on assets (ROA) | 1.4732% | 774 |
| Pretax return on assets | 1.4745% | 1,252 |
| Return on Equity (ROE) | 12.0954% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.2191% | 463 |
| Net charge-offs to loans | 0.0814% | 6,292 |
| Credit loss provision to net charge-offs | 28.8462% | 6,903 |
| Earnings coverage of net charge-offs (x) | 21.9808% | 979 |
| Efficiency ratio | 65.8806% | 5,417 |
| Assets per employee ($millions) | 5.4437% | 1,696 |
| Cash dividends to net income (ytd only)* | 23.7799% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,372 |
| Loan loss allowance to noncurrent loans | 1,036.8421% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 5,514 |
| Noncurrent loans to loans | 0.1156% | 7,132 |
| Net loans and leases to total assets | 79.5728% | 1,074 |
| Net loans and leases to deposits | 97.7406% | 1,133 |
| Net loans and leases to core deposits | 151.2512% | 484 |
| Total domestic deposits to total assets | 81.4123% | 5,190 |
| Equity capital to assets | 11.9869% | 2,043 |
| Core capital (leverage) ratio | 11.9499% | 1,686 |
| Tier 1 risk-based capital ratio | 14.1512% | 3,404 |
| Total risk-based capital ratio | 15.3071% | 3,419 |
| Memoranda: | ||
| Average total assets | $76,501,600 | 5,826 |
| Average earning assets | $73,071,200 | 5,719 |
| Average equity | $9,317,600 | 5,500 |
| Average total loans | $63,872,800 | 5,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8482% | 2,672 |
| Cost of funding earning assets | 1.7217% | 4,796 |
| Net interest margin | 4.1265% | 2,300 |
| Noninterest income to average assets | 0.4520% | 4,888 |
| Noninterest expense to average assets | 2.9604% | 4,206 |
| Loan and lease loss provision to assets | 0.0266% | 7,090 |
| Net operating income to assets | 1.3933% | 1,048 |
| Return on assets (ROA) | 1.3933% | 1,112 |
| Pretax return on assets | 1.3951% | 1,706 |
| Return on Equity (ROE) | 11.3910% | 1,515 |
| Retained earnings to average equity (ytd only) | 9.8113% | 670 |
| Net charge-offs to loans | 0.0526% | 6,184 |
| Credit loss provision to net charge-offs | 60.0000% | 6,172 |
| Earnings coverage of net charge-offs (x) | 32.0825% | 887 |
| Efficiency ratio | 67.5566% | 5,067 |
| Assets per employee ($millions) | 5.1608% | 1,949 |
| Cash dividends to net income (ytd only)* | 13.8678% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 4,781 |
| Loan loss allowance to noncurrent loans | 253.1056% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,754 |
| Noncurrent loans to loans | 0.4966% | 6,318 |
| Net loans and leases to total assets | 82.7146% | 709 |
| Net loans and leases to deposits | 101.9537% | 924 |
| Net loans and leases to core deposits | 154.7203% | 482 |
| Total domestic deposits to total assets | 81.1295% | 5,026 |
| Equity capital to assets | 12.3676% | 2,023 |
| Core capital (leverage) ratio | 12.0618% | 1,777 |
| Tier 1 risk-based capital ratio | 14.2976% | 3,387 |
| Total risk-based capital ratio | 15.5286% | 3,342 |
| Memoranda: | ||
| Average total assets | $75,213,000 | 5,904 |
| Average earning assets | $71,632,750 | 5,798 |
| Average equity | $9,200,000 | 5,593 |
| Average total loans | $63,400,000 | 5,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8358% | 2,874 |
| Cost of funding earning assets | 1.7567% | 4,965 |
| Net interest margin | 4.0791% | 2,394 |
| Noninterest income to average assets | 0.4108% | 5,194 |
| Noninterest expense to average assets | 2.9887% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2916% | 1,248 |
| Return on assets (ROA) | 1.2916% | 1,335 |
| Pretax return on assets | 1.2943% | 2,040 |
| Return on Equity (ROE) | 10.6002% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.8812% | 969 |
| Net charge-offs to loans | 0.0858% | 5,350 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 17.8519% | 1,447 |
| Efficiency ratio | 69.7806% | 4,829 |
| Assets per employee ($millions) | 5.0669% | 2,005 |
| Cash dividends to net income (ytd only)* | 16.2162% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 4,819 |
| Loan loss allowance to noncurrent loans | 603.7879% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 5,067 |
| Noncurrent loans to loans | 0.2020% | 7,009 |
| Net loans and leases to total assets | 84.9309% | 519 |
| Net loans and leases to deposits | 105.3310% | 807 |
| Net loans and leases to core deposits | 162.3940% | 413 |
| Total domestic deposits to total assets | 80.6323% | 5,218 |
| Equity capital to assets | 12.1285% | 2,134 |
| Core capital (leverage) ratio | 12.2717% | 1,707 |
| Tier 1 risk-based capital ratio | 13.8844% | 3,587 |
| Total risk-based capital ratio | 15.0882% | 3,546 |
| Memoranda: | ||
| Average total assets | $74,480,000 | 5,967 |
| Average earning assets | $70,701,670 | 5,860 |
| Average equity | $9,075,330 | 5,658 |
| Average total loans | $62,918,000 | 5,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 2,715 |
| Cost of funding earning assets | 1.8227% | 5,008 |
| Net interest margin | 4.0952% | 2,294 |
| Noninterest income to average assets | 0.4070% | 5,163 |
| Noninterest expense to average assets | 2.8487% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4108% | 1,116 |
| Return on assets (ROA) | 1.4108% | 1,199 |
| Pretax return on assets | 1.4108% | 1,937 |
| Return on Equity (ROE) | 11.5504% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.0853% | 1,777 |
| Net charge-offs to loans | 0.0259% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 613 |
| Efficiency ratio | 66.8790% | 5,167 |
| Assets per employee ($millions) | 4.9315% | 2,140 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 3,871 |
| Loan loss allowance to noncurrent loans | 200.9804% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1707% | 4,326 |
| Noncurrent loans to loans | 0.6654% | 5,741 |
| Net loans and leases to total assets | 81.7771% | 1,052 |
| Net loans and leases to deposits | 103.0633% | 1,087 |
| Net loans and leases to core deposits | 152.4560% | 635 |
| Total domestic deposits to total assets | 79.3465% | 5,592 |
| Equity capital to assets | 12.2612% | 2,103 |
| Core capital (leverage) ratio | 12.1195% | 1,844 |
| Tier 1 risk-based capital ratio | 13.7943% | 3,699 |
| Total risk-based capital ratio | 15.0552% | 3,616 |
| Memoranda: | ||
| Average total assets | $73,718,500 | 6,007 |
| Average earning assets | $69,349,000 | 5,934 |
| Average equity | $9,004,000 | 5,702 |
| Average total loans | $61,703,500 | 5,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4109% | 3,357 |
| Cost of funding earning assets | 2.0971% | 6,066 |
| Net interest margin | 4.3138% | 1,934 |
| Noninterest income to average assets | 0.4447% | 5,077 |
| Noninterest expense to average assets | 3.0410% | 3,937 |
| Loan and lease loss provision to assets | 0.0071% | 7,278 |
| Net operating income to assets | 1.4801% | 1,064 |
| Return on assets (ROA) | 1.4801% | 1,021 |
| Pretax return on assets | 1.4816% | 1,736 |
| Return on Equity (ROE) | 12.2982% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.9085% | 871 |
| Net charge-offs to loans | 0.0538% | 6,020 |
| Credit loss provision to net charge-offs | 16.1290% | 6,596 |
| Earnings coverage of net charge-offs (x) | 33.9032% | 1,069 |
| Efficiency ratio | 67.1357% | 4,888 |
| Assets per employee ($millions) | 4.8976% | 2,050 |
| Cash dividends to net income (ytd only)* | 35.6938% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 3,602 |
| Loan loss allowance to noncurrent loans | 117.8571% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 3,087 |
| Noncurrent loans to loans | 1.1273% | 4,293 |
| Net loans and leases to total assets | 83.4000% | 974 |
| Net loans and leases to deposits | 110.6158% | 795 |
| Net loans and leases to core deposits | 158.5719% | 607 |
| Total domestic deposits to total assets | 75.3961% | 6,373 |
| Equity capital to assets | 12.1665% | 2,180 |
| Core capital (leverage) ratio | 12.0675% | 1,934 |
| Tier 1 risk-based capital ratio | 13.4343% | 3,858 |
| Total risk-based capital ratio | 14.6954% | 3,756 |
| Memoranda: | ||
| Average total assets | $70,601,600 | 6,016 |
| Average earning assets | $66,854,600 | 5,937 |
| Average equity | $8,497,200 | 5,906 |
| Average total loans | $57,624,000 | 5,377 |