Home > First Farmers & Merchants State Bank of Grand Meadow > Performance and Condition Ratios
First Farmers & Merchants State Bank of Grand Meadow, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 2,206 |
| Cost of funding earning assets | 1.0915% | 3,090 |
| Net interest margin | 3.8445% | 1,481 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.4933% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8200% | 593 |
| Return on assets (ROA) | 1.8200% | 576 |
| Pretax return on assets | 1.4097% | 1,611 |
| Return on Equity (ROE) | 25.5700% | 294 |
| Retained earnings to average equity (ytd only) | 6.6370% | 2,011 |
| Net charge-offs to loans | 0.0958% | 935 |
| Credit loss provision to net charge-offs | -1.6129% | 4,409 |
| Earnings coverage of net charge-offs (x) | 21.2903% | 1,840 |
| Efficiency ratio | 63.8653% | 2,624 |
| Assets per employee ($millions) | 7.1764% | 1,957 |
| Cash dividends to net income (ytd only)* | 74.0458% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,466 |
| Loan loss allowance to noncurrent loans | 1,853.4884% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,283 |
| Noncurrent loans to loans | 0.0630% | 3,261 |
| Net loans and leases to total assets | 72.2800% | 1,547 |
| Net loans and leases to deposits | 79.7349% | 2,134 |
| Net loans and leases to core deposits | 85.5333% | 2,339 |
| Total domestic deposits to total assets | 90.6500% | 593 |
| Equity capital to assets | 7.6630% | 3,620 |
| Core capital (leverage) ratio | 9.0019% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0146% | 2,581 |
| Memoranda: | ||
| Average total assets | $93,569,000 | 3,880 |
| Average earning assets | $89,323,200 | 3,841 |
| Average equity | $6,659,600 | 4,087 |
| Average total loans | $64,719,400 | 3,632 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 2,160 |
| Cost of funding earning assets | 1.0288% | 2,955 |
| Net interest margin | 3.8222% | 1,551 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.4761% | 2,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4168% | 1,282 |
| Return on assets (ROA) | 1.4168% | 1,265 |
| Pretax return on assets | 1.4168% | 1,742 |
| Return on Equity (ROE) | 20.2900% | 697 |
| Retained earnings to average equity (ytd only) | 3.5488% | 3,374 |
| Net charge-offs to loans | 0.1295% | 623 |
| Credit loss provision to net charge-offs | -3.2258% | 4,460 |
| Earnings coverage of net charge-offs (x) | 16.0484% | 1,944 |
| Efficiency ratio | 63.6064% | 2,547 |
| Assets per employee ($millions) | 7.0818% | 1,893 |
| Cash dividends to net income (ytd only)* | 82.5126% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,202 |
| Loan loss allowance to noncurrent loans | 1,768.8889% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,318 |
| Noncurrent loans to loans | 0.0697% | 3,262 |
| Net loans and leases to total assets | 69.2900% | 1,907 |
| Net loans and leases to deposits | 76.0180% | 2,411 |
| Net loans and leases to core deposits | 80.4431% | 2,567 |
| Total domestic deposits to total assets | 91.1500% | 635 |
| Equity capital to assets | 7.2135% | 3,509 |
| Core capital (leverage) ratio | 8.4337% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1446% | 2,573 |
| Memoranda: | ||
| Average total assets | $93,638,000 | 3,898 |
| Average earning assets | $89,684,500 | 3,853 |
| Average equity | $6,537,250 | 4,104 |
| Average total loans | $63,842,250 | 3,655 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 2,194 |
| Cost of funding earning assets | 0.9520% | 2,764 |
| Net interest margin | 3.7527% | 1,711 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.4511% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3700% | 1,403 |
| Return on assets (ROA) | 1.3700% | 1,382 |
| Pretax return on assets | 1.3700% | 1,888 |
| Return on Equity (ROE) | 19.8400% | 726 |
| Retained earnings to average equity (ytd only) | 6.7972% | 2,353 |
| Net charge-offs to loans | 0.1950% | 409 |
| Credit loss provision to net charge-offs | -3.2258% | 4,492 |
| Earnings coverage of net charge-offs (x) | 10.4032% | 1,995 |
| Efficiency ratio | 64.1467% | 2,468 |
| Assets per employee ($millions) | 7.0735% | 1,873 |
| Cash dividends to net income (ytd only)* | 65.7364% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,134 |
| Loan loss allowance to noncurrent loans | 1,658.3333% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,259 |
| Noncurrent loans to loans | 0.0759% | 3,142 |
| Net loans and leases to total assets | 67.9000% | 1,966 |
| Net loans and leases to deposits | 74.4515% | 2,449 |
| Net loans and leases to core deposits | 81.3991% | 2,379 |
| Total domestic deposits to total assets | 91.2000% | 590 |
| Equity capital to assets | 7.2198% | 3,680 |
| Core capital (leverage) ratio | 8.5673% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5135% | 2,456 |
| Memoranda: | ||
| Average total assets | $94,163,000 | 3,907 |
| Average earning assets | $90,122,000 | 3,864 |
| Average equity | $6,502,667 | 4,133 |
| Average total loans | $63,594,667 | 3,664 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 2,220 |
| Cost of funding earning assets | 0.8448% | 2,555 |
| Net interest margin | 3.6960% | 1,907 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4479% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3016% | 1,660 |
| Return on assets (ROA) | 1.3016% | 1,633 |
| Pretax return on assets | 1.3016% | 2,167 |
| Return on Equity (ROE) | 19.2700% | 845 |
| Retained earnings to average equity (ytd only) | 1.8649% | 3,722 |
| Net charge-offs to loans | 0.3889% | 205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 1,833 |
| Efficiency ratio | 65.2856% | 2,294 |
| Assets per employee ($millions) | 6.6345% | 2,242 |
| Cash dividends to net income (ytd only)* | 90.3226% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,234 |
| Loan loss allowance to noncurrent loans | 137.1134% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 806 |
| Noncurrent loans to loans | 0.9201% | 819 |
| Net loans and leases to total assets | 67.2400% | 1,927 |
| Net loans and leases to deposits | 73.5983% | 2,326 |
| Net loans and leases to core deposits | 78.4261% | 2,360 |
| Total domestic deposits to total assets | 91.3600% | 685 |
| Equity capital to assets | 7.0971% | 3,784 |
| Core capital (leverage) ratio | 8.0962% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4631% | 2,580 |
| Memoranda: | ||
| Average total assets | $95,266,500 | 3,948 |
| Average earning assets | $90,908,500 | 3,907 |
| Average equity | $6,434,500 | 4,198 |
| Average total loans | $63,775,000 | 3,701 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 814 |
| Cost of funding earning assets | 0.2519% | 3,304 |
| Net interest margin | 4.1905% | 547 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.5027% | 2,106 |
| Loan and lease loss provision to assets | -0.3100% | 4,669 |
| Net operating income to assets | 2.0387% | 277 |
| Return on assets (ROA) | 2.0387% | 266 |
| Pretax return on assets | 2.0387% | 436 |
| Return on Equity (ROE) | 27.7900% | 149 |
| Retained earnings to average equity (ytd only) | 1.6724% | 4,051 |
| Net charge-offs to loans | -0.0116% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1772% | 3,164 |
| Assets per employee ($millions) | 6.5100% | 2,327 |
| Cash dividends to net income (ytd only)* | 93.9825% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,357 |
| Loan loss allowance to noncurrent loans | 330.6050% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2878% | 1,704 |
| Noncurrent loans to loans | 0.4370% | 1,612 |
| Net loans and leases to total assets | 64.8900% | 2,157 |
| Net loans and leases to deposits | 70.8657% | 2,504 |
| Net loans and leases to core deposits | 76.4450% | 2,389 |
| Total domestic deposits to total assets | 91.5700% | 761 |
| Equity capital to assets | 6.4281% | 3,927 |
| Core capital (leverage) ratio | 8.0428% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3754% | 2,622 |
| Memoranda: | ||
| Average total assets | $89,664,000 | 4,018 |
| Average earning assets | $85,741,600 | 3,972 |
| Average equity | $6,577,400 | 4,264 |
| Average total loans | $60,587,000 | 3,716 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 1,294 |
| Cost of funding earning assets | 0.1808% | 3,510 |
| Net interest margin | 3.8038% | 949 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.4653% | 2,110 |
| Loan and lease loss provision to assets | -0.2700% | 4,696 |
| Net operating income to assets | 1.6806% | 553 |
| Return on assets (ROA) | 1.6806% | 538 |
| Pretax return on assets | 1.6806% | 938 |
| Return on Equity (ROE) | 22.1500% | 285 |
| Retained earnings to average equity (ytd only) | -12.2858% | 4,692 |
| Net charge-offs to loans | -0.0201% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6685% | 2,597 |
| Assets per employee ($millions) | 6.8479% | 2,062 |
| Cash dividends to net income (ytd only)* | 155.4751% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 938 |
| Loan loss allowance to noncurrent loans | 99.6139% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 368 |
| Noncurrent loans to loans | 1.6686% | 399 |
| Net loans and leases to total assets | 68.5800% | 1,606 |
| Net loans and leases to deposits | 74.7774% | 1,974 |
| Net loans and leases to core deposits | 79.3190% | 1,949 |
| Total domestic deposits to total assets | 91.7200% | 966 |
| Equity capital to assets | 6.1097% | 3,919 |
| Core capital (leverage) ratio | 7.7051% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5036% | 2,948 |
| Memoranda: | ||
| Average total assets | $87,667,500 | 4,071 |
| Average earning assets | $84,089,000 | 4,020 |
| Average equity | $6,652,500 | 4,296 |
| Average total loans | $59,660,000 | 3,752 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 937 |
| Cost of funding earning assets | 0.1628% | 3,407 |
| Net interest margin | 3.8379% | 695 |
| Noninterest income to average assets | 0.2247% | 3,846 |
| Noninterest expense to average assets | 2.4262% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4745% | 753 |
| Return on assets (ROA) | 1.4745% | 731 |
| Pretax return on assets | 1.4745% | 1,239 |
| Return on Equity (ROE) | 18.2230% | 446 |
| Retained earnings to average equity (ytd only) | 14.3687% | 325 |
| Net charge-offs to loans | -0.0306% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1987% | 3,019 |
| Assets per employee ($millions) | 7.4903% | 1,610 |
| Cash dividends to net income (ytd only)* | 21.1509% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9850% | 573 |
| Loan loss allowance to noncurrent loans | 51.7727% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.6045% | 80 |
| Noncurrent loans to loans | 3.8340% | 99 |
| Net loans and leases to total assets | 66.5832% | 1,622 |
| Net loans and leases to deposits | 73.9007% | 1,880 |
| Net loans and leases to core deposits | 79.9997% | 1,716 |
| Total domestic deposits to total assets | 90.0982% | 1,671 |
| Equity capital to assets | 7.7401% | 3,313 |
| Core capital (leverage) ratio | 9.0511% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5171% | 2,287 |
| Memoranda: | ||
| Average total assets | $87,215,667 | 4,115 |
| Average earning assets | $83,536,000 | 4,081 |
| Average equity | $7,057,000 | 4,313 |
| Average total loans | $58,851,000 | 3,806 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 2,429 |
| Cost of funding earning assets | 0.1706% | 3,211 |
| Net interest margin | 3.1149% | 2,123 |
| Noninterest income to average assets | 0.2142% | 3,875 |
| Noninterest expense to average assets | 2.4545% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7359% | 2,904 |
| Return on assets (ROA) | 0.7359% | 2,898 |
| Pretax return on assets | 0.7359% | 3,290 |
| Return on Equity (ROE) | 8.8926% | 2,357 |
| Retained earnings to average equity (ytd only) | 8.8926% | 1,296 |
| Net charge-offs to loans | -0.0623% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9343% | 1,416 |
| Assets per employee ($millions) | 6.8524% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 531 |
| Loan loss allowance to noncurrent loans | 68.4746% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9870% | 145 |
| Noncurrent loans to loans | 3.0495% | 172 |
| Net loans and leases to total assets | 63.7959% | 1,646 |
| Net loans and leases to deposits | 70.8922% | 1,878 |
| Net loans and leases to core deposits | 75.0320% | 1,850 |
| Total domestic deposits to total assets | 89.9900% | 1,568 |
| Equity capital to assets | 7.7547% | 3,764 |
| Core capital (leverage) ratio | 8.8836% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5263% | 2,404 |
| Memoranda: | ||
| Average total assets | $85,882,000 | 4,148 |
| Average earning assets | $82,057,000 | 4,110 |
| Average equity | $7,107,000 | 4,353 |
| Average total loans | $57,747,000 | 3,832 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 594 |
| Cost of funding earning assets | 0.3159% | 2,239 |
| Net interest margin | 4.1984% | 492 |
| Noninterest income to average assets | 0.3193% | 3,497 |
| Noninterest expense to average assets | 2.5821% | 1,916 |
| Loan and lease loss provision to assets | 0.3761% | 185 |
| Net operating income to assets | 1.3857% | 1,328 |
| Return on assets (ROA) | 1.3920% | 1,356 |
| Pretax return on assets | 1.3933% | 2,077 |
| Return on Equity (ROE) | 15.6912% | 805 |
| Retained earnings to average equity (ytd only) | 10.5841% | 786 |
| Net charge-offs to loans | 0.5122% | 161 |
| Credit loss provision to net charge-offs | 108.7591% | 1,716 |
| Earnings coverage of net charge-offs (x) | 5.0985% | 2,465 |
| Efficiency ratio | 59.4249% | 3,237 |
| Assets per employee ($millions) | 6.8903% | 1,999 |
| Cash dividends to net income (ytd only)* | 32.5476% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 528 |
| Loan loss allowance to noncurrent loans | 67.7565% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.1455% | 141 |
| Noncurrent loans to loans | 3.0878% | 186 |
| Net loans and leases to total assets | 68.0309% | 1,262 |
| Net loans and leases to deposits | 77.7987% | 1,414 |
| Net loans and leases to core deposits | 82.8497% | 1,395 |
| Total domestic deposits to total assets | 87.4448% | 2,316 |
| Equity capital to assets | 8.8362% | 3,775 |
| Core capital (leverage) ratio | 9.3920% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2561% | 2,543 |
| Memoranda: | ||
| Average total assets | $79,238,600 | 4,228 |
| Average earning assets | $75,981,000 | 4,187 |
| Average equity | $7,029,400 | 4,418 |
| Average total loans | $53,489,600 | 3,939 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 361 |
| Cost of funding earning assets | 0.3439% | 2,175 |
| Net interest margin | 4.5329% | 294 |
| Noninterest income to average assets | 0.2926% | 3,698 |
| Noninterest expense to average assets | 2.6078% | 1,815 |
| Loan and lease loss provision to assets | 0.5065% | 107 |
| Net operating income to assets | 1.5497% | 1,147 |
| Return on assets (ROA) | 1.5497% | 1,193 |
| Pretax return on assets | 1.5497% | 1,851 |
| Return on Equity (ROE) | 17.4510% | 697 |
| Retained earnings to average equity (ytd only) | 10.5741% | 1,157 |
| Net charge-offs to loans | 0.6959% | 112 |
| Credit loss provision to net charge-offs | 108.7591% | 1,525 |
| Earnings coverage of net charge-offs (x) | 4.4124% | 2,271 |
| Efficiency ratio | 55.9081% | 3,543 |
| Assets per employee ($millions) | 6.5997% | 2,179 |
| Cash dividends to net income (ytd only)* | 39.4072% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2714% | 412 |
| Loan loss allowance to noncurrent loans | 60.7992% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.4963% | 123 |
| Noncurrent loans to loans | 3.7358% | 150 |
| Net loans and leases to total assets | 65.3038% | 1,623 |
| Net loans and leases to deposits | 75.1573% | 1,750 |
| Net loans and leases to core deposits | 81.2473% | 1,634 |
| Total domestic deposits to total assets | 86.8895% | 2,394 |
| Equity capital to assets | 9.1709% | 3,682 |
| Core capital (leverage) ratio | 9.3377% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1648% | 2,304 |
| Memoranda: | ||
| Average total assets | $78,377,500 | 4,291 |
| Average earning assets | $75,593,250 | 4,243 |
| Average equity | $6,960,250 | 4,489 |
| Average total loans | $52,499,000 | 4,006 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 827 |
| Cost of funding earning assets | 0.3909% | 1,963 |
| Net interest margin | 4.0336% | 775 |
| Noninterest income to average assets | 0.2535% | 3,877 |
| Noninterest expense to average assets | 2.6221% | 1,805 |
| Loan and lease loss provision to assets | 0.6094% | 75 |
| Net operating income to assets | 0.9065% | 3,197 |
| Return on assets (ROA) | 0.9065% | 3,275 |
| Pretax return on assets | 0.9065% | 3,645 |
| Return on Equity (ROE) | 10.3217% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.4848% | 1,900 |
| Net charge-offs to loans | 1.0772% | 72 |
| Credit loss provision to net charge-offs | 84.3972% | 1,468 |
| Earnings coverage of net charge-offs (x) | 2.0993% | 2,145 |
| Efficiency ratio | 63.3663% | 2,512 |
| Assets per employee ($millions) | 6.0064% | 2,601 |
| Cash dividends to net income (ytd only)* | 17.7966% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 454 |
| Loan loss allowance to noncurrent loans | 41.1083% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 3.5360% | 71 |
| Noncurrent loans to loans | 5.2731% | 75 |
| Net loans and leases to total assets | 65.6033% | 1,744 |
| Net loans and leases to deposits | 74.0588% | 1,998 |
| Net loans and leases to core deposits | 79.0924% | 1,952 |
| Total domestic deposits to total assets | 88.5827% | 1,527 |
| Equity capital to assets | 8.9149% | 3,875 |
| Core capital (leverage) ratio | 9.1191% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0198% | 2,362 |
| Memoranda: | ||
| Average total assets | $78,104,667 | 4,322 |
| Average earning assets | $75,218,333 | 4,271 |
| Average equity | $6,859,333 | 4,520 |
| Average total loans | $52,358,667 | 4,037 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 2,056 |
| Cost of funding earning assets | 0.4525% | 1,702 |
| Net interest margin | 3.3641% | 2,208 |
| Noninterest income to average assets | 0.2509% | 3,897 |
| Noninterest expense to average assets | 2.5398% | 2,055 |
| Loan and lease loss provision to assets | 0.3072% | 300 |
| Net operating income to assets | 0.6350% | 3,849 |
| Return on assets (ROA) | 0.6350% | 3,917 |
| Pretax return on assets | 0.6401% | 4,128 |
| Return on Equity (ROE) | 7.2850% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.2850% | 2,482 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8341% | 1,418 |
| Assets per employee ($millions) | 5.9925% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3383% | 337 |
| Loan loss allowance to noncurrent loans | 38.9063% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 4.0846% | 54 |
| Noncurrent loans to loans | 6.0100% | 57 |
| Net loans and leases to total assets | 66.3736% | 1,748 |
| Net loans and leases to deposits | 77.0412% | 1,796 |
| Net loans and leases to core deposits | 82.7829% | 1,771 |
| Total domestic deposits to total assets | 86.1533% | 2,681 |
| Equity capital to assets | 8.7185% | 3,947 |
| Core capital (leverage) ratio | 8.8811% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6860% | 2,408 |
| Memoranda: | ||
| Average total assets | $78,115,500 | 4,333 |
| Average earning assets | $75,145,500 | 4,288 |
| Average equity | $6,808,500 | 4,542 |
| Average total loans | $52,358,000 | 4,047 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 1,812 |
| Cost of funding earning assets | 0.7574% | 1,409 |
| Net interest margin | 3.5610% | 2,275 |
| Noninterest income to average assets | 0.3082% | 3,638 |
| Noninterest expense to average assets | 2.7191% | 2,180 |
| Loan and lease loss provision to assets | 1.2924% | 52 |
| Net operating income to assets | -0.3027% | 4,839 |
| Return on assets (ROA) | -0.3027% | 4,855 |
| Pretax return on assets | -0.3014% | 4,845 |
| Return on Equity (ROE) | -2.9751% | 4,866 |
| Retained earnings to average equity (ytd only) | -6.3771% | 4,862 |
| Net charge-offs to loans | 1.7232% | 58 |
| Credit loss provision to net charge-offs | 101.3845% | 2,798 |
| Earnings coverage of net charge-offs (x) | 0.7774% | 3,303 |
| Efficiency ratio | 73.2894% | 1,531 |
| Assets per employee ($millions) | 7.1585% | 1,470 |
| Cash dividends to net income (ytd only)* | -114.3498% | 4,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,685 |
| Loan loss allowance to noncurrent loans | 27.4397% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.5266% | 78 |
| Noncurrent loans to loans | 5.3640% | 71 |
| Net loans and leases to total assets | 64.7783% | 2,260 |
| Net loans and leases to deposits | 76.2957% | 2,253 |
| Net loans and leases to core deposits | 81.9132% | 2,201 |
| Total domestic deposits to total assets | 84.9042% | 2,806 |
| Equity capital to assets | 9.1956% | 3,892 |
| Core capital (leverage) ratio | 9.5142% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0028% | 2,234 |
| Memoranda: | ||
| Average total assets | $73,663,600 | 4,328 |
| Average earning assets | $70,372,600 | 4,291 |
| Average equity | $7,495,600 | 4,479 |
| Average total loans | $54,492,800 | 4,011 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 1,880 |
| Cost of funding earning assets | 0.8243% | 1,384 |
| Net interest margin | 3.5637% | 2,385 |
| Noninterest income to average assets | 0.2873% | 3,763 |
| Noninterest expense to average assets | 2.8013% | 1,961 |
| Loan and lease loss provision to assets | 1.4407% | 65 |
| Net operating income to assets | -0.5544% | 4,902 |
| Return on assets (ROA) | -0.5544% | 4,907 |
| Pretax return on assets | -0.5544% | 4,903 |
| Return on Equity (ROE) | -5.3090% | 4,918 |
| Retained earnings to average equity (ytd only) | -9.8067% | 4,927 |
| Net charge-offs to loans | 1.8873% | 54 |
| Credit loss provision to net charge-offs | 100.1280% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.6159% | 3,117 |
| Efficiency ratio | 75.9740% | 1,206 |
| Assets per employee ($millions) | 6.6035% | 1,750 |
| Cash dividends to net income (ytd only)* | -84.7176% | 5,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,885 |
| Loan loss allowance to noncurrent loans | 16.7971% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 6.2749% | 35 |
| Noncurrent loans to loans | 8.1435% | 42 |
| Net loans and leases to total assets | 74.5495% | 1,301 |
| Net loans and leases to deposits | 89.2096% | 1,346 |
| Net loans and leases to core deposits | 97.7808% | 1,322 |
| Total domestic deposits to total assets | 83.5667% | 2,966 |
| Equity capital to assets | 9.8969% | 3,335 |
| Core capital (leverage) ratio | 9.7500% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8355% | 2,272 |
| Memoranda: | ||
| Average total assets | $72,393,500 | 4,357 |
| Average earning assets | $69,065,750 | 4,318 |
| Average equity | $7,559,250 | 4,490 |
| Average total loans | $55,173,250 | 4,019 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,979 |
| Cost of funding earning assets | 0.9053% | 1,354 |
| Net interest margin | 3.5746% | 2,562 |
| Noninterest income to average assets | 0.2821% | 3,776 |
| Noninterest expense to average assets | 2.8156% | 2,063 |
| Loan and lease loss provision to assets | 0.5504% | 608 |
| Net operating income to assets | 0.3236% | 4,373 |
| Return on assets (ROA) | 0.3236% | 4,427 |
| Pretax return on assets | 0.3236% | 4,508 |
| Return on Equity (ROE) | 3.0458% | 4,344 |
| Retained earnings to average equity (ytd only) | -1.0413% | 4,483 |
| Net charge-offs to loans | 0.3510% | 456 |
| Credit loss provision to net charge-offs | 205.1546% | 1,886 |
| Earnings coverage of net charge-offs (x) | 3.2577% | 2,694 |
| Efficiency ratio | 76.3118% | 1,233 |
| Assets per employee ($millions) | 6.0789% | 2,114 |
| Cash dividends to net income (ytd only)* | 134.1880% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,198 |
| Loan loss allowance to noncurrent loans | 16.3815% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 7.4410% | 29 |
| Noncurrent loans to loans | 9.2996% | 30 |
| Net loans and leases to total assets | 75.5000% | 1,205 |
| Net loans and leases to deposits | 91.1959% | 1,241 |
| Net loans and leases to core deposits | 100.0073% | 1,253 |
| Total domestic deposits to total assets | 82.7889% | 3,150 |
| Equity capital to assets | 10.5762% | 2,683 |
| Core capital (leverage) ratio | 10.6908% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4768% | 2,009 |
| Memoranda: | ||
| Average total assets | $72,311,667 | 4,366 |
| Average earning assets | $68,931,000 | 4,332 |
| Average equity | $7,682,667 | 4,502 |
| Average total loans | $55,263,333 | 4,030 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,841 |
| Cost of funding earning assets | 1.0275% | 1,307 |
| Net interest margin | 3.6254% | 2,588 |
| Noninterest income to average assets | 0.2389% | 4,125 |
| Noninterest expense to average assets | 2.7836% | 2,474 |
| Loan and lease loss provision to assets | 0.7223% | 360 |
| Net operating income to assets | 0.1833% | 4,549 |
| Return on assets (ROA) | 0.1833% | 4,556 |
| Pretax return on assets | 0.1833% | 4,585 |
| Return on Equity (ROE) | 1.7218% | 4,505 |
| Retained earnings to average equity (ytd only) | -3.0783% | 4,362 |
| Net charge-offs to loans | 0.7500% | 203 |
| Credit loss provision to net charge-offs | 126.2136% | 1,685 |
| Earnings coverage of net charge-offs (x) | 1.5825% | 2,371 |
| Efficiency ratio | 75.4518% | 1,627 |
| Assets per employee ($millions) | 5.4467% | 2,177 |
| Cash dividends to net income (ytd only)* | 278.7879% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,569 |
| Loan loss allowance to noncurrent loans | 14.8908% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 7.8735% | 30 |
| Noncurrent loans to loans | 9.6317% | 31 |
| Net loans and leases to total assets | 75.4134% | 1,402 |
| Net loans and leases to deposits | 92.8516% | 1,198 |
| Net loans and leases to core deposits | 100.9090% | 1,403 |
| Total domestic deposits to total assets | 81.2194% | 3,621 |
| Equity capital to assets | 10.8323% | 3,015 |
| Core capital (leverage) ratio | 10.7328% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0192% | 2,277 |
| Memoranda: | ||
| Average total assets | $71,994,000 | 4,373 |
| Average earning assets | $68,517,000 | 4,344 |
| Average equity | $7,666,500 | 4,528 |
| Average total loans | $54,931,500 | 4,053 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0371% | 1,377 |
| Cost of funding earning assets | 1.0533% | 1,500 |
| Net interest margin | 3.9838% | 1,902 |
| Noninterest income to average assets | 0.1918% | 4,515 |
| Noninterest expense to average assets | 2.8188% | 2,543 |
| Loan and lease loss provision to assets | 0.1074% | 1,937 |
| Net operating income to assets | 1.0436% | 2,683 |
| Return on assets (ROA) | 1.0436% | 2,776 |
| Pretax return on assets | 1.0451% | 3,344 |
| Return on Equity (ROE) | 9.7195% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.3998% | 2,762 |
| Net charge-offs to loans | 0.1648% | 1,225 |
| Credit loss provision to net charge-offs | 83.3333% | 2,753 |
| Earnings coverage of net charge-offs (x) | 8.9444% | 2,716 |
| Efficiency ratio | 70.9805% | 2,027 |
| Assets per employee ($millions) | 6.0984% | 1,560 |
| Cash dividends to net income (ytd only)* | 54.7325% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 1,724 |
| Loan loss allowance to noncurrent loans | 24.1224% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 4.7307% | 70 |
| Noncurrent loans to loans | 5.5757% | 83 |
| Net loans and leases to total assets | 75.0728% | 1,576 |
| Net loans and leases to deposits | 91.9158% | 1,379 |
| Net loans and leases to core deposits | 102.8012% | 1,333 |
| Total domestic deposits to total assets | 81.6756% | 3,593 |
| Equity capital to assets | 10.4713% | 3,478 |
| Core capital (leverage) ratio | 10.6274% | 2,829 |
| Tier 1 risk-based capital ratio | 12.9161% | 3,832 |
| Total risk-based capital ratio | 14.1668% | 3,713 |
| Memoranda: | ||
| Average total assets | $69,851,400 | 4,431 |
| Average earning assets | $66,268,600 | 4,403 |
| Average equity | $7,500,400 | 4,575 |
| Average total loans | $54,611,400 | 4,086 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0644% | 1,373 |
| Cost of funding earning assets | 1.0288% | 1,634 |
| Net interest margin | 4.0356% | 1,814 |
| Noninterest income to average assets | 0.1739% | 4,675 |
| Noninterest expense to average assets | 2.8127% | 2,530 |
| Loan and lease loss provision to assets | 0.0869% | 2,181 |
| Net operating income to assets | 1.1011% | 2,564 |
| Return on assets (ROA) | 1.1011% | 2,657 |
| Pretax return on assets | 1.1011% | 3,294 |
| Return on Equity (ROE) | 10.1877% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.5389% | 3,634 |
| Net charge-offs to loans | 0.2233% | 794 |
| Credit loss provision to net charge-offs | 49.4505% | 2,795 |
| Earnings coverage of net charge-offs (x) | 6.7583% | 2,806 |
| Efficiency ratio | 70.3042% | 2,071 |
| Assets per employee ($millions) | 5.4704% | 2,055 |
| Cash dividends to net income (ytd only)* | 65.2636% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 1,895 |
| Loan loss allowance to noncurrent loans | 24.5225% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 4.8949% | 77 |
| Noncurrent loans to loans | 5.3721% | 92 |
| Net loans and leases to total assets | 75.7351% | 1,524 |
| Net loans and leases to deposits | 93.5393% | 1,266 |
| Net loans and leases to core deposits | 107.2653% | 1,100 |
| Total domestic deposits to total assets | 80.9660% | 3,770 |
| Equity capital to assets | 10.5969% | 3,475 |
| Core capital (leverage) ratio | 10.8935% | 2,744 |
| Tier 1 risk-based capital ratio | 12.9099% | 3,900 |
| Total risk-based capital ratio | 14.1425% | 3,806 |
| Memoranda: | ||
| Average total assets | $69,019,000 | 4,495 |
| Average earning assets | $65,448,750 | 4,471 |
| Average equity | $7,459,750 | 4,637 |
| Average total loans | $54,342,250 | 4,142 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 1,403 |
| Cost of funding earning assets | 0.9975% | 1,703 |
| Net interest margin | 4.0300% | 1,834 |
| Noninterest income to average assets | 0.2752% | 4,098 |
| Noninterest expense to average assets | 2.8074% | 2,561 |
| Loan and lease loss provision to assets | 0.0732% | 2,350 |
| Net operating income to assets | 1.2149% | 2,095 |
| Return on assets (ROA) | 1.2149% | 2,153 |
| Pretax return on assets | 1.2149% | 2,855 |
| Return on Equity (ROE) | 11.1644% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.0845% | 2,723 |
| Net charge-offs to loans | 0.1548% | 1,014 |
| Credit loss provision to net charge-offs | 59.5238% | 2,406 |
| Earnings coverage of net charge-offs (x) | 10.4762% | 2,267 |
| Efficiency ratio | 68.5490% | 2,440 |
| Assets per employee ($millions) | 5.2567% | 2,193 |
| Cash dividends to net income (ytd only)* | 54.4578% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,713 |
| Loan loss allowance to noncurrent loans | 24.6377% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 5.3309% | 69 |
| Noncurrent loans to loans | 5.5838% | 81 |
| Net loans and leases to total assets | 78.4699% | 1,131 |
| Net loans and leases to deposits | 97.8344% | 859 |
| Net loans and leases to core deposits | 109.9461% | 979 |
| Total domestic deposits to total assets | 80.2069% | 3,996 |
| Equity capital to assets | 11.0072% | 3,047 |
| Core capital (leverage) ratio | 11.0499% | 2,548 |
| Tier 1 risk-based capital ratio | 13.1321% | 3,769 |
| Total risk-based capital ratio | 14.3822% | 3,678 |
| Memoranda: | ||
| Average total assets | $68,320,330 | 4,545 |
| Average earning assets | $64,763,670 | 4,513 |
| Average equity | $7,434,330 | 4,662 |
| Average total loans | $54,263,670 | 4,168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 1,427 |
| Cost of funding earning assets | 0.9335% | 1,870 |
| Net interest margin | 4.0308% | 1,752 |
| Noninterest income to average assets | 0.2576% | 4,166 |
| Noninterest expense to average assets | 2.7872% | 2,617 |
| Loan and lease loss provision to assets | 0.0586% | 2,478 |
| Net operating income to assets | 1.2297% | 1,947 |
| Return on assets (ROA) | 1.2297% | 1,997 |
| Pretax return on assets | 1.2297% | 2,701 |
| Return on Equity (ROE) | 11.3659% | 1,798 |
| Retained earnings to average equity (ytd only) | 11.3659% | 733 |
| Net charge-offs to loans | 0.0148% | 2,184 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 627 |
| Efficiency ratio | 68.3908% | 2,587 |
| Assets per employee ($millions) | 5.6907% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,591 |
| Loan loss allowance to noncurrent loans | 33.0346% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.3199% | 96 |
| Noncurrent loans to loans | 4.3075% | 162 |
| Net loans and leases to total assets | 78.5204% | 1,072 |
| Net loans and leases to deposits | 98.7422% | 724 |
| Net loans and leases to core deposits | 111.4437% | 862 |
| Total domestic deposits to total assets | 79.5206% | 4,248 |
| Equity capital to assets | 10.9990% | 2,853 |
| Core capital (leverage) ratio | 11.2931% | 2,301 |
| Tier 1 risk-based capital ratio | 13.4088% | 3,662 |
| Total risk-based capital ratio | 14.6603% | 3,563 |
| Memoranda: | ||
| Average total assets | $68,312,000 | 4,598 |
| Average earning assets | $64,701,500 | 4,570 |
| Average equity | $7,390,500 | 4,700 |
| Average total loans | $54,209,500 | 4,204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 1,123 |
| Cost of funding earning assets | 0.7123% | 2,009 |
| Net interest margin | 4.2523% | 1,274 |
| Noninterest income to average assets | 1.0450% | 868 |
| Noninterest expense to average assets | 2.9037% | 2,343 |
| Loan and lease loss provision to assets | 0.3571% | 420 |
| Net operating income to assets | 1.7407% | 629 |
| Return on assets (ROA) | 1.7407% | 630 |
| Pretax return on assets | 1.7422% | 1,066 |
| Return on Equity (ROE) | 15.8737% | 657 |
| Retained earnings to average equity (ytd only) | 7.3492% | 1,518 |
| Net charge-offs to loans | -0.0077% | 4,433 |
| Credit loss provision to net charge-offs | -5,750.0000% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0385% | 4,154 |
| Assets per employee ($millions) | 5.2566% | 2,199 |
| Cash dividends to net income (ytd only)* | 53.7021% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,577 |
| Loan loss allowance to noncurrent loans | 35.6976% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 4.0242% | 114 |
| Noncurrent loans to loans | 3.9667% | 188 |
| Net loans and leases to total assets | 77.9384% | 1,280 |
| Net loans and leases to deposits | 99.4789% | 782 |
| Net loans and leases to core deposits | 115.2864% | 719 |
| Total domestic deposits to total assets | 78.3467% | 4,433 |
| Equity capital to assets | 10.6386% | 3,040 |
| Core capital (leverage) ratio | 11.0595% | 2,472 |
| Tier 1 risk-based capital ratio | 13.0437% | 3,825 |
| Total risk-based capital ratio | 14.2944% | 3,715 |
| Memoranda: | ||
| Average total assets | $64,399,600 | 4,684 |
| Average earning assets | $59,944,200 | 4,668 |
| Average equity | $7,062,000 | 4,735 |
| Average total loans | $52,057,400 | 4,264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 1,155 |
| Cost of funding earning assets | 0.6593% | 2,095 |
| Net interest margin | 4.2414% | 1,257 |
| Noninterest income to average assets | 1.3099% | 558 |
| Noninterest expense to average assets | 2.9246% | 2,240 |
| Loan and lease loss provision to assets | 0.3049% | 477 |
| Net operating income to assets | 2.0163% | 361 |
| Return on assets (ROA) | 2.0163% | 360 |
| Pretax return on assets | 2.0163% | 596 |
| Return on Equity (ROE) | 18.2401% | 404 |
| Retained earnings to average equity (ytd only) | 12.5151% | 416 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7515% | 4,411 |
| Assets per employee ($millions) | 5.4798% | 1,932 |
| Cash dividends to net income (ytd only)* | 31.3867% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,442 |
| Loan loss allowance to noncurrent loans | 31.1091% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 4.2277% | 111 |
| Noncurrent loans to loans | 3.9599% | 212 |
| Net loans and leases to total assets | 82.4232% | 644 |
| Net loans and leases to deposits | 106.8340% | 406 |
| Net loans and leases to core deposits | 129.4737% | 343 |
| Total domestic deposits to total assets | 77.1507% | 4,620 |
| Equity capital to assets | 11.2323% | 2,444 |
| Core capital (leverage) ratio | 11.6175% | 2,073 |
| Tier 1 risk-based capital ratio | 13.6562% | 3,541 |
| Total risk-based capital ratio | 14.8917% | 3,462 |
| Memoranda: | ||
| Average total assets | $63,415,500 | 4,744 |
| Average earning assets | $58,847,000 | 4,742 |
| Average equity | $7,010,000 | 4,795 |
| Average total loans | $51,565,500 | 4,325 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 1,380 |
| Cost of funding earning assets | 0.5943% | 2,262 |
| Net interest margin | 4.1566% | 1,392 |
| Noninterest income to average assets | 0.3002% | 4,172 |
| Noninterest expense to average assets | 2.8866% | 2,389 |
| Loan and lease loss provision to assets | 0.0958% | 2,015 |
| Net operating income to assets | 1.1814% | 2,274 |
| Return on assets (ROA) | 1.1814% | 2,272 |
| Pretax return on assets | 1.1814% | 3,004 |
| Return on Equity (ROE) | 10.7485% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.3743% | 2,891 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3252% | 2,420 |
| Assets per employee ($millions) | 4.7804% | 2,708 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,377 |
| Loan loss allowance to noncurrent loans | 25.8168% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 5.9072% | 63 |
| Noncurrent loans to loans | 4.1881% | 204 |
| Net loans and leases to total assets | 82.5875% | 641 |
| Net loans and leases to deposits | 106.3247% | 422 |
| Net loans and leases to core deposits | 125.4866% | 425 |
| Total domestic deposits to total assets | 77.6748% | 4,639 |
| Equity capital to assets | 11.1385% | 2,516 |
| Core capital (leverage) ratio | 11.2876% | 2,268 |
| Tier 1 risk-based capital ratio | 13.4485% | 3,645 |
| Total risk-based capital ratio | 14.5264% | 3,672 |
| Memoranda: | ||
| Average total assets | $62,635,000 | 4,815 |
| Average earning assets | $58,221,330 | 4,814 |
| Average equity | $6,884,670 | 4,862 |
| Average total loans | $50,462,330 | 4,395 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 1,696 |
| Cost of funding earning assets | 0.5413% | 2,469 |
| Net interest margin | 4.0155% | 1,674 |
| Noninterest income to average assets | 0.2863% | 4,258 |
| Noninterest expense to average assets | 2.7799% | 2,768 |
| Loan and lease loss provision to assets | 0.0954% | 1,920 |
| Net operating income to assets | 1.1387% | 2,259 |
| Return on assets (ROA) | 1.1387% | 2,274 |
| Pretax return on assets | 1.1387% | 3,011 |
| Return on Equity (ROE) | 10.4282% | 2,212 |
| Retained earnings to average equity (ytd only) | 10.4282% | 1,035 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2552% | 2,626 |
| Assets per employee ($millions) | 4.9658% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,340 |
| Loan loss allowance to noncurrent loans | 25.0574% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 5.6958% | 78 |
| Noncurrent loans to loans | 4.4148% | 203 |
| Net loans and leases to total assets | 75.6103% | 1,604 |
| Net loans and leases to deposits | 94.4668% | 1,188 |
| Net loans and leases to core deposits | 110.1754% | 997 |
| Total domestic deposits to total assets | 80.0390% | 4,409 |
| Equity capital to assets | 10.7411% | 2,827 |
| Core capital (leverage) ratio | 11.2632% | 2,197 |
| Tier 1 risk-based capital ratio | 13.9109% | 3,422 |
| Total risk-based capital ratio | 14.9970% | 3,425 |
| Memoranda: | ||
| Average total assets | $62,880,000 | 4,872 |
| Average earning assets | $58,373,500 | 4,862 |
| Average equity | $6,866,000 | 4,914 |
| Average total loans | $49,751,000 | 4,449 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 1,437 |
| Cost of funding earning assets | 0.4177% | 3,070 |
| Net interest margin | 4.1805% | 1,229 |
| Noninterest income to average assets | 0.2300% | 4,762 |
| Noninterest expense to average assets | 3.1407% | 1,744 |
| Loan and lease loss provision to assets | 0.1813% | 1,182 |
| Net operating income to assets | 0.8376% | 3,001 |
| Return on assets (ROA) | 0.8376% | 3,039 |
| Pretax return on assets | 0.8393% | 4,126 |
| Return on Equity (ROE) | 7.3562% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.5946% | 3,767 |
| Net charge-offs to loans | 0.0997% | 2,079 |
| Credit loss provision to net charge-offs | 220.4082% | 1,244 |
| Earnings coverage of net charge-offs (x) | 12.4082% | 2,478 |
| Efficiency ratio | 75.4740% | 1,698 |
| Assets per employee ($millions) | 5.1003% | 2,361 |
| Cash dividends to net income (ytd only)* | 64.7295% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,567 |
| Loan loss allowance to noncurrent loans | 24.3690% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 6.0078% | 66 |
| Noncurrent loans to loans | 4.3454% | 199 |
| Net loans and leases to total assets | 81.0633% | 825 |
| Net loans and leases to deposits | 98.3546% | 873 |
| Net loans and leases to core deposits | 108.1433% | 1,119 |
| Total domestic deposits to total assets | 82.4194% | 3,753 |
| Equity capital to assets | 11.1071% | 2,533 |
| Core capital (leverage) ratio | 10.7570% | 2,583 |
| Tier 1 risk-based capital ratio | 13.2739% | 3,752 |
| Total risk-based capital ratio | 14.3083% | 3,778 |
| Memoranda: | ||
| Average total assets | $59,572,600 | 4,974 |
| Average earning assets | $56,022,600 | 4,949 |
| Average equity | $6,783,400 | 4,980 |
| Average total loans | $49,167,800 | 4,480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 1,200 |
| Cost of funding earning assets | 0.4010% | 3,180 |
| Net interest margin | 4.2698% | 997 |
| Noninterest income to average assets | 0.3268% | 4,196 |
| Noninterest expense to average assets | 3.1257% | 1,736 |
| Loan and lease loss provision to assets | 0.1758% | 1,146 |
| Net operating income to assets | 1.0569% | 2,300 |
| Return on assets (ROA) | 1.0569% | 2,336 |
| Pretax return on assets | 1.0569% | 3,467 |
| Return on Equity (ROE) | 9.2233% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.3462% | 3,322 |
| Net charge-offs to loans | 0.1226% | 1,564 |
| Credit loss provision to net charge-offs | 173.3333% | 1,508 |
| Earnings coverage of net charge-offs (x) | 12.1553% | 2,447 |
| Efficiency ratio | 71.7166% | 2,243 |
| Assets per employee ($millions) | 5.1061% | 2,325 |
| Cash dividends to net income (ytd only)* | 52.8785% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,118 |
| Loan loss allowance to noncurrent loans | 42.3303% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.9883% | 300 |
| Noncurrent loans to loans | 2.3389% | 676 |
| Net loans and leases to total assets | 82.4213% | 614 |
| Net loans and leases to deposits | 100.0932% | 736 |
| Net loans and leases to core deposits | 116.6112% | 727 |
| Total domestic deposits to total assets | 82.3446% | 3,673 |
| Equity capital to assets | 11.2399% | 2,628 |
| Core capital (leverage) ratio | 11.3175% | 2,171 |
| Tier 1 risk-based capital ratio | 13.4369% | 3,741 |
| Total risk-based capital ratio | 14.4262% | 3,804 |
| Memoranda: | ||
| Average total assets | $59,164,750 | 5,037 |
| Average earning assets | $55,863,750 | 5,008 |
| Average equity | $6,779,750 | 5,034 |
| Average total loans | $48,923,500 | 4,530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,338 |
| Cost of funding earning assets | 0.3697% | 3,382 |
| Net interest margin | 4.1967% | 1,082 |
| Noninterest income to average assets | 0.3216% | 4,254 |
| Noninterest expense to average assets | 3.1850% | 1,616 |
| Loan and lease loss provision to assets | 0.1642% | 1,216 |
| Net operating income to assets | 0.9339% | 2,748 |
| Return on assets (ROA) | 0.9339% | 2,806 |
| Pretax return on assets | 0.9339% | 3,812 |
| Return on Equity (ROE) | 8.0961% | 2,967 |
| Retained earnings to average equity (ytd only) | 2.6690% | 4,106 |
| Net charge-offs to loans | 0.1866% | 1,065 |
| Credit loss provision to net charge-offs | 106.6667% | 1,929 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 2,637 |
| Efficiency ratio | 74.3610% | 1,947 |
| Assets per employee ($millions) | 5.4665% | 1,905 |
| Cash dividends to net income (ytd only)* | 67.0330% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,431 |
| Loan loss allowance to noncurrent loans | 41.3403% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.9718% | 311 |
| Noncurrent loans to loans | 2.2914% | 698 |
| Net loans and leases to total assets | 82.6013% | 595 |
| Net loans and leases to deposits | 103.1569% | 540 |
| Net loans and leases to core deposits | 121.9979% | 491 |
| Total domestic deposits to total assets | 80.0735% | 4,393 |
| Equity capital to assets | 11.2504% | 2,544 |
| Core capital (leverage) ratio | 11.1032% | 2,310 |
| Tier 1 risk-based capital ratio | 13.3442% | 3,781 |
| Total risk-based capital ratio | 14.2863% | 3,893 |
| Memoranda: | ||
| Average total assets | $58,462,000 | 5,094 |
| Average earning assets | $55,186,670 | 5,062 |
| Average equity | $6,744,000 | 5,068 |
| Average total loans | $48,229,000 | 4,572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 1,395 |
| Cost of funding earning assets | 0.3229% | 3,818 |
| Net interest margin | 4.1677% | 1,050 |
| Noninterest income to average assets | 0.3471% | 4,068 |
| Noninterest expense to average assets | 3.2346% | 1,514 |
| Loan and lease loss provision to assets | 0.0555% | 2,696 |
| Net operating income to assets | 0.9995% | 2,306 |
| Return on assets (ROA) | 0.9995% | 2,355 |
| Pretax return on assets | 0.9995% | 3,372 |
| Return on Equity (ROE) | 8.5542% | 2,648 |
| Retained earnings to average equity (ytd only) | 8.5542% | 1,256 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4045% | 1,998 |
| Assets per employee ($millions) | 4.4202% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 4,228 |
| Loan loss allowance to noncurrent loans | 137.6437% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3644% | 1,229 |
| Noncurrent loans to loans | 0.7327% | 2,668 |
| Net loans and leases to total assets | 81.8231% | 586 |
| Net loans and leases to deposits | 94.4478% | 1,070 |
| Net loans and leases to core deposits | 111.0251% | 828 |
| Total domestic deposits to total assets | 86.6331% | 2,379 |
| Equity capital to assets | 11.8546% | 1,938 |
| Core capital (leverage) ratio | 11.8413% | 1,724 |
| Tier 1 risk-based capital ratio | 14.2758% | 3,331 |
| Total risk-based capital ratio | 15.2841% | 3,377 |
| Memoranda: | ||
| Average total assets | $57,627,500 | 5,161 |
| Average earning assets | $54,514,000 | 5,131 |
| Average equity | $6,733,500 | 5,116 |
| Average total loans | $47,271,500 | 4,643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 1,542 |
| Cost of funding earning assets | 0.3462% | 3,564 |
| Net interest margin | 4.1521% | 1,233 |
| Noninterest income to average assets | 0.2788% | 4,745 |
| Noninterest expense to average assets | 3.1222% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0837% | 1,965 |
| Return on assets (ROA) | 1.0837% | 2,070 |
| Pretax return on assets | 1.0854% | 3,157 |
| Return on Equity (ROE) | 9.6842% | 2,114 |
| Retained earnings to average equity (ytd only) | 6.2122% | 1,602 |
| Net charge-offs to loans | 0.0883% | 2,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.1951% | 2,226 |
| Efficiency ratio | 74.2029% | 2,261 |
| Assets per employee ($millions) | 4.4455% | 3,195 |
| Cash dividends to net income (ytd only)* | 35.8521% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 4,318 |
| Loan loss allowance to noncurrent loans | 129.3956% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,241 |
| Noncurrent loans to loans | 0.7737% | 2,588 |
| Net loans and leases to total assets | 80.5907% | 795 |
| Net loans and leases to deposits | 93.6068% | 1,239 |
| Net loans and leases to core deposits | 103.0101% | 1,358 |
| Total domestic deposits to total assets | 86.0950% | 2,539 |
| Equity capital to assets | 11.5154% | 2,155 |
| Core capital (leverage) ratio | 11.2786% | 2,102 |
| Tier 1 risk-based capital ratio | 13.7033% | 3,646 |
| Total risk-based capital ratio | 14.6756% | 3,716 |
| Memoranda: | ||
| Average total assets | $57,395,600 | 5,201 |
| Average earning assets | $54,310,200 | 5,166 |
| Average equity | $6,422,800 | 5,204 |
| Average total loans | $46,426,600 | 4,682 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 1,632 |
| Cost of funding earning assets | 0.3467% | 3,566 |
| Net interest margin | 4.1229% | 1,334 |
| Noninterest income to average assets | 0.2723% | 4,825 |
| Noninterest expense to average assets | 3.0717% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1030% | 1,984 |
| Return on assets (ROA) | 1.1030% | 2,089 |
| Pretax return on assets | 1.1030% | 3,222 |
| Return on Equity (ROE) | 9.9294% | 2,081 |
| Retained earnings to average equity (ytd only) | 5.4046% | 2,548 |
| Net charge-offs to loans | 0.0231% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 59.2296% | 971 |
| Efficiency ratio | 73.5786% | 2,362 |
| Assets per employee ($millions) | 4.4489% | 3,164 |
| Cash dividends to net income (ytd only)* | 45.5695% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 4,035 |
| Loan loss allowance to noncurrent loans | 70.8861% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2293% | 1,609 |
| Noncurrent loans to loans | 1.5072% | 1,433 |
| Net loans and leases to total assets | 80.6920% | 799 |
| Net loans and leases to deposits | 93.3978% | 1,332 |
| Net loans and leases to core deposits | 113.3486% | 751 |
| Total domestic deposits to total assets | 86.3960% | 2,169 |
| Equity capital to assets | 11.4721% | 2,535 |
| Core capital (leverage) ratio | 11.2448% | 2,236 |
| Tier 1 risk-based capital ratio | 13.4695% | 3,877 |
| Total risk-based capital ratio | 14.5144% | 3,909 |
| Memoranda: | ||
| Average total assets | $57,296,500 | 5,247 |
| Average earning assets | $54,232,500 | 5,210 |
| Average equity | $6,364,750 | 5,270 |
| Average total loans | $46,271,750 | 4,723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 1,797 |
| Cost of funding earning assets | 0.3410% | 3,670 |
| Net interest margin | 4.0693% | 1,445 |
| Noninterest income to average assets | 0.2626% | 4,905 |
| Noninterest expense to average assets | 3.0254% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0820% | 2,028 |
| Return on assets (ROA) | 1.0820% | 2,162 |
| Pretax return on assets | 1.0820% | 3,273 |
| Return on Equity (ROE) | 9.8491% | 2,115 |
| Retained earnings to average equity (ytd only) | 5.6099% | 2,358 |
| Net charge-offs to loans | 0.0174% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 77.2500% | 723 |
| Efficiency ratio | 73.6573% | 2,413 |
| Assets per employee ($millions) | 5.1040% | 2,193 |
| Cash dividends to net income (ytd only)* | 43.0421% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,971 |
| Loan loss allowance to noncurrent loans | 66.8421% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3537% | 1,474 |
| Noncurrent loans to loans | 1.6383% | 1,304 |
| Net loans and leases to total assets | 81.7220% | 655 |
| Net loans and leases to deposits | 94.8054% | 1,208 |
| Net loans and leases to core deposits | 111.6323% | 837 |
| Total domestic deposits to total assets | 86.1998% | 2,327 |
| Equity capital to assets | 11.6611% | 2,394 |
| Core capital (leverage) ratio | 11.3036% | 2,149 |
| Tier 1 risk-based capital ratio | 13.4939% | 3,909 |
| Total risk-based capital ratio | 14.5625% | 3,932 |
| Memoranda: | ||
| Average total assets | $57,116,670 | 5,311 |
| Average earning assets | $53,965,330 | 5,270 |
| Average equity | $6,274,670 | 5,333 |
| Average total loans | $45,971,330 | 4,772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,156 |
| Cost of funding earning assets | 0.3332% | 3,793 |
| Net interest margin | 3.9614% | 1,738 |
| Noninterest income to average assets | 0.2222% | 5,147 |
| Noninterest expense to average assets | 2.9790% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9583% | 2,468 |
| Return on assets (ROA) | 0.9583% | 2,588 |
| Pretax return on assets | 0.9583% | 3,629 |
| Return on Equity (ROE) | 8.9924% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.9924% | 1,119 |
| Net charge-offs to loans | 0.0350% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,097 |
| Efficiency ratio | 75.6614% | 2,222 |
| Assets per employee ($millions) | 4.2665% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 4,070 |
| Loan loss allowance to noncurrent loans | 65.1282% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 1,475 |
| Noncurrent loans to loans | 1.6839% | 1,343 |
| Net loans and leases to total assets | 82.5977% | 494 |
| Net loans and leases to deposits | 95.9132% | 952 |
| Net loans and leases to core deposits | 113.1943% | 702 |
| Total domestic deposits to total assets | 86.1171% | 2,622 |
| Equity capital to assets | 11.7031% | 2,244 |
| Core capital (leverage) ratio | 11.2835% | 2,162 |
| Tier 1 risk-based capital ratio | 13.4973% | 3,978 |
| Total risk-based capital ratio | 14.5723% | 4,009 |
| Memoranda: | ||
| Average total assets | $57,603,000 | 5,344 |
| Average earning assets | $54,021,000 | 5,319 |
| Average equity | $6,138,500 | 5,393 |
| Average total loans | $45,762,000 | 4,814 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,451 |
| Cost of funding earning assets | 0.3421% | 3,776 |
| Net interest margin | 3.8895% | 2,066 |
| Noninterest income to average assets | 0.2541% | 5,074 |
| Noninterest expense to average assets | 2.9297% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9789% | 2,471 |
| Return on assets (ROA) | 0.9789% | 2,547 |
| Pretax return on assets | 0.9807% | 3,540 |
| Return on Equity (ROE) | 9.5190% | 2,212 |
| Retained earnings to average equity (ytd only) | 2.8505% | 4,038 |
| Net charge-offs to loans | 0.1679% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.5616% | 3,064 |
| Efficiency ratio | 74.9205% | 2,438 |
| Assets per employee ($millions) | 4.9785% | 2,391 |
| Cash dividends to net income (ytd only)* | 70.0544% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,851 |
| Loan loss allowance to noncurrent loans | 64.1604% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.3357% | 1,582 |
| Noncurrent loans to loans | 1.7653% | 1,265 |
| Net loans and leases to total assets | 74.8083% | 1,601 |
| Net loans and leases to deposits | 85.5742% | 2,179 |
| Net loans and leases to core deposits | 94.2213% | 2,033 |
| Total domestic deposits to total assets | 87.4192% | 1,918 |
| Equity capital to assets | 9.6850% | 4,322 |
| Core capital (leverage) ratio | 9.9090% | 3,628 |
| Tier 1 risk-based capital ratio | 12.1166% | 4,879 |
| Total risk-based capital ratio | 13.1974% | 4,885 |
| Memoranda: | ||
| Average total assets | $56,286,400 | 5,402 |
| Average earning assets | $52,911,600 | 5,360 |
| Average equity | $5,788,400 | 5,483 |
| Average total loans | $43,466,000 | 4,873 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 2,394 |
| Cost of funding earning assets | 0.3486% | 3,771 |
| Net interest margin | 3.9034% | 2,022 |
| Noninterest income to average assets | 0.2406% | 5,207 |
| Noninterest expense to average assets | 2.9566% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9743% | 2,600 |
| Return on assets (ROA) | 0.9743% | 2,681 |
| Pretax return on assets | 0.9743% | 3,716 |
| Return on Equity (ROE) | 9.3279% | 2,403 |
| Retained earnings to average equity (ytd only) | 2.4414% | 4,653 |
| Net charge-offs to loans | 0.2200% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.7045% | 3,166 |
| Efficiency ratio | 75.2142% | 2,367 |
| Assets per employee ($millions) | 4.7155% | 2,672 |
| Cash dividends to net income (ytd only)* | 73.8273% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,873 |
| Loan loss allowance to noncurrent loans | 70.0272% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 1,804 |
| Noncurrent loans to loans | 1.6566% | 1,479 |
| Net loans and leases to total assets | 77.3919% | 1,192 |
| Net loans and leases to deposits | 89.2405% | 1,742 |
| Net loans and leases to core deposits | 98.8912% | 1,617 |
| Total domestic deposits to total assets | 86.7229% | 2,175 |
| Equity capital to assets | 10.2269% | 3,895 |
| Core capital (leverage) ratio | 9.9765% | 3,665 |
| Tier 1 risk-based capital ratio | 12.2233% | 4,942 |
| Total risk-based capital ratio | 13.3292% | 4,946 |
| Memoranda: | ||
| Average total assets | $55,422,500 | 5,490 |
| Average earning assets | $52,396,750 | 5,445 |
| Average equity | $5,789,000 | 5,554 |
| Average total loans | $43,031,500 | 4,950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,359 |
| Cost of funding earning assets | 0.3470% | 3,842 |
| Net interest margin | 3.9023% | 1,970 |
| Noninterest income to average assets | 0.2471% | 5,184 |
| Noninterest expense to average assets | 2.8964% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0284% | 2,242 |
| Return on assets (ROA) | 1.0284% | 2,357 |
| Pretax return on assets | 1.0284% | 3,464 |
| Return on Equity (ROE) | 9.7760% | 2,170 |
| Retained earnings to average equity (ytd only) | 2.7290% | 4,323 |
| Net charge-offs to loans | -0.2582% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7963% | 2,704 |
| Assets per employee ($millions) | 4.2077% | 3,454 |
| Cash dividends to net income (ytd only)* | 72.0848% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,293 |
| Loan loss allowance to noncurrent loans | 77.3881% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.5119% | 1,621 |
| Noncurrent loans to loans | 1.9392% | 1,282 |
| Net loans and leases to total assets | 76.7952% | 1,256 |
| Net loans and leases to deposits | 88.9282% | 1,731 |
| Net loans and leases to core deposits | 98.9611% | 1,570 |
| Total domestic deposits to total assets | 86.3565% | 2,503 |
| Equity capital to assets | 10.5283% | 3,412 |
| Core capital (leverage) ratio | 10.2628% | 3,265 |
| Tier 1 risk-based capital ratio | 12.5589% | 4,770 |
| Total risk-based capital ratio | 13.8094% | 4,688 |
| Memoranda: | ||
| Average total assets | $55,034,670 | 5,564 |
| Average earning assets | $51,866,670 | 5,522 |
| Average equity | $5,789,670 | 5,605 |
| Average total loans | $42,606,330 | 5,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 1,997 |
| Cost of funding earning assets | 0.3403% | 3,980 |
| Net interest margin | 3.9910% | 1,588 |
| Noninterest income to average assets | 0.2464% | 5,195 |
| Noninterest expense to average assets | 2.7680% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2173% | 1,497 |
| Return on assets (ROA) | 1.2173% | 1,590 |
| Pretax return on assets | 1.2173% | 2,599 |
| Return on Equity (ROE) | 11.5762% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.5762% | 633 |
| Net charge-offs to loans | -0.0939% | 5,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4545% | 3,585 |
| Assets per employee ($millions) | 5.0551% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 2,879 |
| Loan loss allowance to noncurrent loans | 613.4021% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 5,253 |
| Noncurrent loans to loans | 0.2295% | 4,954 |
| Net loans and leases to total assets | 74.9236% | 1,367 |
| Net loans and leases to deposits | 86.7452% | 1,748 |
| Net loans and leases to core deposits | 96.3461% | 1,591 |
| Total domestic deposits to total assets | 86.3720% | 2,728 |
| Equity capital to assets | 10.5906% | 3,439 |
| Core capital (leverage) ratio | 10.4721% | 3,007 |
| Tier 1 risk-based capital ratio | 13.1464% | 4,535 |
| Total risk-based capital ratio | 14.3962% | 4,441 |
| Memoranda: | ||
| Average total assets | $55,202,000 | 5,613 |
| Average earning assets | $51,716,500 | 5,572 |
| Average equity | $5,805,000 | 5,656 |
| Average total loans | $42,586,000 | 5,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,637 |
| Cost of funding earning assets | 0.3653% | 4,078 |
| Net interest margin | 4.2049% | 1,285 |
| Noninterest income to average assets | 0.2791% | 5,119 |
| Noninterest expense to average assets | 2.9697% | 2,930 |
| Loan and lease loss provision to assets | 0.0310% | 3,983 |
| Net operating income to assets | 1.2038% | 1,573 |
| Return on assets (ROA) | 1.2038% | 1,629 |
| Pretax return on assets | 1.2057% | 2,633 |
| Return on Equity (ROE) | 11.0365% | 1,718 |
| Retained earnings to average equity (ytd only) | 5.6515% | 2,168 |
| Net charge-offs to loans | -0.0121% | 5,594 |
| Credit loss provision to net charge-offs | -320.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5991% | 3,444 |
| Assets per employee ($millions) | 3.9141% | 4,125 |
| Cash dividends to net income (ytd only)* | 48.7923% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 3,120 |
| Loan loss allowance to noncurrent loans | 125.8065% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 3,086 |
| Noncurrent loans to loans | 1.0835% | 2,656 |
| Net loans and leases to total assets | 77.2473% | 1,102 |
| Net loans and leases to deposits | 90.2944% | 1,490 |
| Net loans and leases to core deposits | 104.1867% | 1,120 |
| Total domestic deposits to total assets | 85.5506% | 3,053 |
| Equity capital to assets | 10.4402% | 3,560 |
| Core capital (leverage) ratio | 10.5519% | 2,898 |
| Tier 1 risk-based capital ratio | 12.2541% | 5,190 |
| Total risk-based capital ratio | 13.5048% | 5,103 |
| Memoranda: | ||
| Average total assets | $51,587,800 | 5,752 |
| Average earning assets | $48,181,800 | 5,718 |
| Average equity | $5,626,800 | 5,709 |
| Average total loans | $41,455,000 | 5,125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,535 |
| Cost of funding earning assets | 0.3578% | 4,259 |
| Net interest margin | 4.2541% | 1,145 |
| Noninterest income to average assets | 0.2678% | 5,289 |
| Noninterest expense to average assets | 2.9352% | 3,008 |
| Loan and lease loss provision to assets | 0.0420% | 3,553 |
| Net operating income to assets | 1.2838% | 1,417 |
| Return on assets (ROA) | 1.2838% | 1,471 |
| Pretax return on assets | 1.2864% | 2,430 |
| Return on Equity (ROE) | 11.6357% | 1,579 |
| Retained earnings to average equity (ytd only) | 7.1385% | 1,743 |
| Net charge-offs to loans | 0.1882% | 1,959 |
| Credit loss provision to net charge-offs | 27.5862% | 3,488 |
| Earnings coverage of net charge-offs (x) | 8.7243% | 2,756 |
| Efficiency ratio | 68.8424% | 3,697 |
| Assets per employee ($millions) | 3.5121% | 4,840 |
| Cash dividends to net income (ytd only)* | 38.6500% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 4,237 |
| Loan loss allowance to noncurrent loans | 442.3729% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 5,325 |
| Noncurrent loans to loans | 0.2708% | 5,099 |
| Net loans and leases to total assets | 81.7281% | 538 |
| Net loans and leases to deposits | 101.1607% | 549 |
| Net loans and leases to core deposits | 113.8927% | 588 |
| Total domestic deposits to total assets | 80.7904% | 4,882 |
| Equity capital to assets | 10.8405% | 3,138 |
| Core capital (leverage) ratio | 10.5715% | 2,955 |
| Tier 1 risk-based capital ratio | 12.2304% | 5,341 |
| Total risk-based capital ratio | 13.3793% | 5,325 |
| Memoranda: | ||
| Average total assets | $50,785,250 | 5,834 |
| Average earning assets | $47,701,500 | 5,799 |
| Average equity | $5,603,250 | 5,774 |
| Average total loans | $41,090,000 | 5,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,686 |
| Cost of funding earning assets | 0.3400% | 4,539 |
| Net interest margin | 4.2033% | 1,237 |
| Noninterest income to average assets | 0.2672% | 5,292 |
| Noninterest expense to average assets | 2.8951% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3160% | 1,263 |
| Return on assets (ROA) | 1.3160% | 1,312 |
| Pretax return on assets | 1.3160% | 2,196 |
| Return on Equity (ROE) | 11.8549% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.0110% | 1,329 |
| Net charge-offs to loans | 0.2881% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.6897% | 2,887 |
| Efficiency ratio | 68.7500% | 3,872 |
| Assets per employee ($millions) | 3.9749% | 3,895 |
| Cash dividends to net income (ytd only)* | 32.4242% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 4,614 |
| Loan loss allowance to noncurrent loans | 425.2101% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 5,410 |
| Noncurrent loans to loans | 0.2730% | 5,198 |
| Net loans and leases to total assets | 83.3862% | 349 |
| Net loans and leases to deposits | 108.1850% | 242 |
| Net loans and leases to core deposits | 117.8229% | 427 |
| Total domestic deposits to total assets | 77.0774% | 5,792 |
| Equity capital to assets | 10.9359% | 2,942 |
| Core capital (leverage) ratio | 10.5300% | 2,910 |
| Tier 1 risk-based capital ratio | 12.2283% | 5,401 |
| Total risk-based capital ratio | 13.3574% | 5,402 |
| Memoranda: | ||
| Average total assets | $50,153,000 | 5,901 |
| Average earning assets | $47,058,000 | 5,860 |
| Average equity | $5,567,330 | 5,814 |
| Average total loans | $40,260,670 | 5,262 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 2,114 |
| Cost of funding earning assets | 0.3215% | 4,838 |
| Net interest margin | 4.0840% | 1,512 |
| Noninterest income to average assets | 0.2672% | 5,230 |
| Noninterest expense to average assets | 2.9316% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1419% | 1,658 |
| Return on assets (ROA) | 1.1419% | 1,724 |
| Pretax return on assets | 1.1419% | 2,728 |
| Return on Equity (ROE) | 10.2072% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.2072% | 913 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9682% | 3,492 |
| Assets per employee ($millions) | 4.1512% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 3,653 |
| Loan loss allowance to noncurrent loans | 316.8539% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 5,091 |
| Noncurrent loans to loans | 0.4389% | 4,830 |
| Net loans and leases to total assets | 80.2847% | 519 |
| Net loans and leases to deposits | 97.1860% | 584 |
| Net loans and leases to core deposits | 105.5336% | 773 |
| Total domestic deposits to total assets | 82.6093% | 4,748 |
| Equity capital to assets | 11.2238% | 2,503 |
| Core capital (leverage) ratio | 11.1751% | 2,245 |
| Tier 1 risk-based capital ratio | 12.8652% | 5,088 |
| Total risk-based capital ratio | 14.1165% | 5,026 |
| Memoranda: | ||
| Average total assets | $49,392,500 | 5,980 |
| Average earning assets | $46,033,000 | 5,938 |
| Average equity | $5,525,500 | 5,858 |
| Average total loans | $38,593,500 | 5,372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 2,243 |
| Cost of funding earning assets | 0.3612% | 5,039 |
| Net interest margin | 4.1299% | 1,571 |
| Noninterest income to average assets | 0.3770% | 4,612 |
| Noninterest expense to average assets | 3.0226% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1738% | 1,670 |
| Return on assets (ROA) | 1.1738% | 1,727 |
| Pretax return on assets | 1.1738% | 2,678 |
| Return on Equity (ROE) | 9.5322% | 2,319 |
| Retained earnings to average equity (ytd only) | 4.6561% | 2,847 |
| Net charge-offs to loans | -0.1092% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0280% | 3,465 |
| Assets per employee ($millions) | 3.7670% | 4,332 |
| Cash dividends to net income (ytd only)* | 51.1538% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,009 |
| Loan loss allowance to noncurrent loans | 315.0838% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 5,155 |
| Noncurrent loans to loans | 0.4887% | 4,775 |
| Net loans and leases to total assets | 73.6477% | 1,410 |
| Net loans and leases to deposits | 87.3988% | 1,532 |
| Net loans and leases to core deposits | 94.8456% | 1,536 |
| Total domestic deposits to total assets | 84.2662% | 4,065 |
| Equity capital to assets | 11.1495% | 2,475 |
| Core capital (leverage) ratio | 11.6262% | 1,877 |
| Tier 1 risk-based capital ratio | 13.2642% | 4,811 |
| Total risk-based capital ratio | 14.5157% | 4,752 |
| Memoranda: | ||
| Average total assets | $44,300,000 | 6,170 |
| Average earning assets | $40,970,000 | 6,143 |
| Average equity | $5,455,200 | 5,943 |
| Average total loans | $31,139,600 | 5,706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 2,036 |
| Cost of funding earning assets | 0.3804% | 4,993 |
| Net interest margin | 4.1708% | 1,421 |
| Noninterest income to average assets | 0.4049% | 4,492 |
| Noninterest expense to average assets | 3.1067% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1623% | 1,764 |
| Return on assets (ROA) | 1.1623% | 1,836 |
| Pretax return on assets | 1.1623% | 2,840 |
| Return on Equity (ROE) | 9.1918% | 2,542 |
| Retained earnings to average equity (ytd only) | 4.9136% | 3,143 |
| Net charge-offs to loans | -0.1478% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7734% | 3,269 |
| Assets per employee ($millions) | 3.4253% | 5,006 |
| Cash dividends to net income (ytd only)* | 46.5431% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 2,747 |
| Loan loss allowance to noncurrent loans | 526.1682% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 5,721 |
| Noncurrent loans to loans | 0.3165% | 5,437 |
| Net loans and leases to total assets | 74.6480% | 1,179 |
| Net loans and leases to deposits | 86.4567% | 1,566 |
| Net loans and leases to core deposits | 95.7649% | 1,410 |
| Total domestic deposits to total assets | 86.3415% | 3,051 |
| Equity capital to assets | 12.1876% | 1,793 |
| Core capital (leverage) ratio | 11.8222% | 1,797 |
| Tier 1 risk-based capital ratio | 14.4099% | 4,139 |
| Total risk-based capital ratio | 15.6615% | 4,098 |
| Memoranda: | ||
| Average total assets | $43,132,250 | 6,264 |
| Average earning assets | $39,959,750 | 6,237 |
| Average equity | $5,454,000 | 6,022 |
| Average total loans | $29,767,000 | 5,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 2,063 |
| Cost of funding earning assets | 0.3870% | 5,062 |
| Net interest margin | 4.1502% | 1,409 |
| Noninterest income to average assets | 0.4500% | 4,162 |
| Noninterest expense to average assets | 3.1031% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1672% | 1,680 |
| Return on assets (ROA) | 1.1672% | 1,791 |
| Pretax return on assets | 1.1672% | 2,818 |
| Return on Equity (ROE) | 9.1159% | 2,563 |
| Retained earnings to average equity (ytd only) | 4.7959% | 3,188 |
| Net charge-offs to loans | -0.2111% | 6,681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6674% | 3,357 |
| Assets per employee ($millions) | 2.9351% | 5,957 |
| Cash dividends to net income (ytd only)* | 47.3896% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,398 |
| Loan loss allowance to noncurrent loans | 331.3609% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 5,248 |
| Noncurrent loans to loans | 0.5468% | 4,890 |
| Net loans and leases to total assets | 73.8562% | 1,274 |
| Net loans and leases to deposits | 87.5772% | 1,393 |
| Net loans and leases to core deposits | 98.1628% | 1,202 |
| Total domestic deposits to total assets | 84.3327% | 4,182 |
| Equity capital to assets | 13.1899% | 1,267 |
| Core capital (leverage) ratio | 12.4012% | 1,408 |
| Tier 1 risk-based capital ratio | 15.5202% | 3,471 |
| Total risk-based capital ratio | 16.8052% | 3,404 |
| Memoranda: | ||
| Average total assets | $42,666,670 | 6,324 |
| Average earning assets | $39,275,330 | 6,304 |
| Average equity | $5,463,000 | 6,056 |
| Average total loans | $28,421,670 | 5,916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,617 |
| Cost of funding earning assets | 0.3952% | 5,155 |
| Net interest margin | 4.2757% | 1,014 |
| Noninterest income to average assets | 0.5707% | 3,298 |
| Noninterest expense to average assets | 2.8720% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5833% | 728 |
| Return on assets (ROA) | 1.5833% | 787 |
| Pretax return on assets | 1.5833% | 1,337 |
| Return on Equity (ROE) | 12.5444% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.5444% | 618 |
| Net charge-offs to loans | -0.2649% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4628% | 4,928 |
| Assets per employee ($millions) | 3.0049% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 1,896 |
| Loan loss allowance to noncurrent loans | 383.2168% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 5,574 |
| Noncurrent loans to loans | 0.5372% | 5,103 |
| Net loans and leases to total assets | 61.9744% | 3,068 |
| Net loans and leases to deposits | 71.7170% | 3,221 |
| Net loans and leases to core deposits | 81.1731% | 2,670 |
| Total domestic deposits to total assets | 86.4152% | 3,294 |
| Equity capital to assets | 13.2069% | 1,336 |
| Core capital (leverage) ratio | 12.1410% | 1,495 |
| Tier 1 risk-based capital ratio | 17.2991% | 2,646 |
| Total risk-based capital ratio | 18.5563% | 2,608 |
| Memoranda: | ||
| Average total assets | $43,454,000 | 6,362 |
| Average earning assets | $39,478,500 | 6,350 |
| Average equity | $5,484,500 | 6,105 |
| Average total loans | $27,178,000 | 6,018 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 3,170 |
| Cost of funding earning assets | 0.4665% | 5,446 |
| Net interest margin | 4.0928% | 2,032 |
| Noninterest income to average assets | 0.1989% | 6,000 |
| Noninterest expense to average assets | 3.2064% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7141% | 3,673 |
| Return on assets (ROA) | 0.7333% | 3,836 |
| Pretax return on assets | 0.7333% | 4,548 |
| Return on Equity (ROE) | 5.7104% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.8662% | 4,904 |
| Net charge-offs to loans | -0.2636% | 6,962 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7848% | 1,902 |
| Assets per employee ($millions) | 3.7366% | 4,493 |
| Cash dividends to net income (ytd only)* | 67.3203% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 2,254 |
| Loan loss allowance to noncurrent loans | 61.0345% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 2,523 |
| Noncurrent loans to loans | 3.1367% | 1,646 |
| Net loans and leases to total assets | 60.6726% | 3,476 |
| Net loans and leases to deposits | 69.2786% | 3,797 |
| Net loans and leases to core deposits | 77.6088% | 3,315 |
| Total domestic deposits to total assets | 87.5778% | 2,493 |
| Equity capital to assets | 12.0721% | 2,001 |
| Core capital (leverage) ratio | 12.1848% | 1,459 |
| Tier 1 risk-based capital ratio | 15.8447% | 3,245 |
| Total risk-based capital ratio | 17.0991% | 3,198 |
| Memoranda: | ||
| Average total assets | $41,729,600 | 6,441 |
| Average earning assets | $37,944,800 | 6,433 |
| Average equity | $5,358,600 | 6,192 |
| Average total loans | $26,557,800 | 6,109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 2,860 |
| Cost of funding earning assets | 0.4834% | 5,546 |
| Net interest margin | 4.2016% | 1,732 |
| Noninterest income to average assets | 0.2507% | 5,771 |
| Noninterest expense to average assets | 3.3078% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7911% | 3,494 |
| Return on assets (ROA) | 0.8172% | 3,606 |
| Pretax return on assets | 0.8172% | 4,425 |
| Return on Equity (ROE) | 6.2612% | 4,195 |
| Retained earnings to average equity (ytd only) | 1.1225% | 5,721 |
| Net charge-offs to loans | -0.3401% | 7,064 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6990% | 1,986 |
| Assets per employee ($millions) | 2.8724% | 6,258 |
| Cash dividends to net income (ytd only)* | 82.0714% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 2,352 |
| Loan loss allowance to noncurrent loans | 60.6200% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.0636% | 1,695 |
| Noncurrent loans to loans | 3.2048% | 1,721 |
| Net loans and leases to total assets | 66.2705% | 2,604 |
| Net loans and leases to deposits | 76.8787% | 2,837 |
| Net loans and leases to core deposits | 87.5177% | 2,276 |
| Total domestic deposits to total assets | 86.2013% | 3,147 |
| Equity capital to assets | 13.3610% | 1,406 |
| Core capital (leverage) ratio | 12.1455% | 1,566 |
| Tier 1 risk-based capital ratio | 16.2069% | 3,164 |
| Total risk-based capital ratio | 17.4617% | 3,131 |
| Memoranda: | ||
| Average total assets | $40,952,250 | 6,553 |
| Average earning assets | $37,508,500 | 6,529 |
| Average equity | $5,345,000 | 6,262 |
| Average total loans | $26,263,250 | 6,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 2,969 |
| Cost of funding earning assets | 0.4889% | 5,690 |
| Net interest margin | 4.1979% | 1,757 |
| Noninterest income to average assets | 0.2913% | 5,472 |
| Noninterest expense to average assets | 3.2477% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8835% | 2,988 |
| Return on assets (ROA) | 0.8835% | 3,244 |
| Pretax return on assets | 0.8787% | 4,160 |
| Return on Equity (ROE) | 6.8220% | 3,871 |
| Retained earnings to average equity (ytd only) | 1.1245% | 5,622 |
| Net charge-offs to loans | -0.5085% | 7,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7059% | 2,365 |
| Assets per employee ($millions) | 2.9756% | 6,114 |
| Cash dividends to net income (ytd only)* | 83.5165% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 2,671 |
| Loan loss allowance to noncurrent loans | 59.5480% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.1350% | 1,738 |
| Noncurrent loans to loans | 3.1229% | 1,875 |
| Net loans and leases to total assets | 66.7611% | 2,511 |
| Net loans and leases to deposits | 80.9760% | 2,231 |
| Net loans and leases to core deposits | 92.3005% | 1,753 |
| Total domestic deposits to total assets | 82.4456% | 4,970 |
| Equity capital to assets | 12.8592% | 1,592 |
| Core capital (leverage) ratio | 12.1735% | 1,509 |
| Tier 1 risk-based capital ratio | 15.4849% | 3,452 |
| Total risk-based capital ratio | 16.7410% | 3,414 |
| Memoranda: | ||
| Average total assets | $41,198,330 | 6,581 |
| Average earning assets | $37,637,670 | 6,569 |
| Average equity | $5,335,670 | 6,290 |
| Average total loans | $25,958,330 | 6,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 2,026 |
| Cost of funding earning assets | 0.4963% | 5,841 |
| Net interest margin | 4.4665% | 1,075 |
| Noninterest income to average assets | 0.3222% | 5,295 |
| Noninterest expense to average assets | 3.2806% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0935% | 2,119 |
| Return on assets (ROA) | 1.0935% | 2,309 |
| Pretax return on assets | 1.0838% | 3,389 |
| Return on Equity (ROE) | 8.4131% | 3,098 |
| Retained earnings to average equity (ytd only) | 2.1033% | 5,218 |
| Net charge-offs to loans | -1.1951% | 7,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1678% | 2,911 |
| Assets per employee ($millions) | 2.9235% | 6,300 |
| Cash dividends to net income (ytd only)* | 75.0000% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 2,105 |
| Loan loss allowance to noncurrent loans | 278.1250% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5393% | 3,557 |
| Noncurrent loans to loans | 0.7550% | 5,153 |
| Net loans and leases to total assets | 60.8322% | 3,480 |
| Net loans and leases to deposits | 73.2876% | 3,235 |
| Net loans and leases to core deposits | 83.6626% | 2,589 |
| Total domestic deposits to total assets | 83.0047% | 4,924 |
| Equity capital to assets | 13.0201% | 1,437 |
| Core capital (leverage) ratio | 12.5251% | 1,331 |
| Tier 1 risk-based capital ratio | 16.4377% | 2,944 |
| Total risk-based capital ratio | 17.6949% | 2,898 |
| Memoranda: | ||
| Average total assets | $40,968,000 | 6,651 |
| Average earning assets | $37,076,000 | 6,640 |
| Average equity | $5,325,000 | 6,327 |
| Average total loans | $24,768,000 | 6,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 3,614 |
| Cost of funding earning assets | 0.6454% | 5,852 |
| Net interest margin | 4.1964% | 2,071 |
| Noninterest income to average assets | 0.3554% | 4,963 |
| Noninterest expense to average assets | 3.4919% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6849% | 3,557 |
| Return on assets (ROA) | 0.6849% | 3,749 |
| Pretax return on assets | 0.6927% | 4,347 |
| Return on Equity (ROE) | 5.0472% | 4,364 |
| Retained earnings to average equity (ytd only) | -0.5162% | 5,937 |
| Net charge-offs to loans | -0.7315% | 7,296 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4470% | 1,827 |
| Assets per employee ($millions) | 3.1544% | 5,800 |
| Cash dividends to net income (ytd only)* | 110.2273% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,529 |
| Loan loss allowance to noncurrent loans | 242.6316% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 3,626 |
| Noncurrent loans to loans | 0.7883% | 5,104 |
| Net loans and leases to total assets | 57.6560% | 4,437 |
| Net loans and leases to deposits | 69.4280% | 4,208 |
| Net loans and leases to core deposits | 76.6038% | 3,888 |
| Total domestic deposits to total assets | 83.0444% | 4,731 |
| Equity capital to assets | 12.9758% | 1,497 |
| Core capital (leverage) ratio | 12.9229% | 1,170 |
| Tier 1 risk-based capital ratio | 16.9702% | 2,622 |
| Total risk-based capital ratio | 18.2271% | 2,578 |
| Memoranda: | ||
| Average total assets | $38,546,400 | 6,722 |
| Average earning assets | $35,172,800 | 6,704 |
| Average equity | $5,230,600 | 6,372 |
| Average total loans | $23,102,200 | 6,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 3,852 |
| Cost of funding earning assets | 0.6761% | 5,900 |
| Net interest margin | 4.1599% | 2,241 |
| Noninterest income to average assets | 0.3796% | 4,816 |
| Noninterest expense to average assets | 3.5818% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6186% | 4,014 |
| Return on assets (ROA) | 0.6186% | 4,187 |
| Pretax return on assets | 0.6257% | 4,726 |
| Return on Equity (ROE) | 4.5058% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.6400% | 5,759 |
| Net charge-offs to loans | -0.7060% | 7,368 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1295% | 1,624 |
| Assets per employee ($millions) | 2.8168% | 6,458 |
| Cash dividends to net income (ytd only)* | 85.7965% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8875% | 2,654 |
| Loan loss allowance to noncurrent loans | 159.6899% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 3,246 |
| Noncurrent loans to loans | 1.1820% | 4,568 |
| Net loans and leases to total assets | 58.4833% | 4,416 |
| Net loans and leases to deposits | 72.4713% | 3,902 |
| Net loans and leases to core deposits | 83.6955% | 3,101 |
| Total domestic deposits to total assets | 80.6985% | 5,531 |
| Equity capital to assets | 14.7901% | 909 |
| Core capital (leverage) ratio | 13.5676% | 1,022 |
| Tier 1 risk-based capital ratio | 18.8155% | 1,981 |
| Total risk-based capital ratio | 20.0691% | 1,950 |
| Memoranda: | ||
| Average total assets | $37,931,250 | 6,801 |
| Average earning assets | $34,903,750 | 6,780 |
| Average equity | $5,208,000 | 6,434 |
| Average total loans | $22,851,750 | 6,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 3,995 |
| Cost of funding earning assets | 0.7131% | 5,881 |
| Net interest margin | 4.1086% | 2,375 |
| Noninterest income to average assets | 0.3857% | 4,788 |
| Noninterest expense to average assets | 3.6280% | 1,684 |
| Loan and lease loss provision to assets | 0.1772% | 4,149 |
| Net operating income to assets | 0.3597% | 5,133 |
| Return on assets (ROA) | 0.3597% | 5,270 |
| Pretax return on assets | 0.3649% | 5,501 |
| Return on Equity (ROE) | 2.6855% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.0119% | 5,458 |
| Net charge-offs to loans | -0.5864% | 7,412 |
| Credit loss provision to net charge-offs | -50.0000% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0000% | 1,513 |
| Assets per employee ($millions) | 3.3222% | 5,385 |
| Cash dividends to net income (ytd only)* | 62.3188% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 3,000 |
| Loan loss allowance to noncurrent loans | 132.2148% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 2.0277% | 3,197 |
| Noncurrent loans to loans | 1.3599% | 4,380 |
| Net loans and leases to total assets | 58.8879% | 4,485 |
| Net loans and leases to deposits | 73.2371% | 3,913 |
| Net loans and leases to core deposits | 85.4748% | 3,002 |
| Total domestic deposits to total assets | 80.4072% | 5,704 |
| Equity capital to assets | 14.4264% | 964 |
| Core capital (leverage) ratio | 13.1752% | 1,093 |
| Tier 1 risk-based capital ratio | 18.9005% | 1,874 |
| Total risk-based capital ratio | 20.1518% | 1,837 |
| Memoranda: | ||
| Average total assets | $38,368,670 | 6,847 |
| Average earning assets | $35,340,670 | 6,827 |
| Average equity | $5,138,670 | 6,487 |
| Average total loans | $23,193,000 | 6,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 4,161 |
| Cost of funding earning assets | 0.7283% | 5,986 |
| Net interest margin | 4.0495% | 2,474 |
| Noninterest income to average assets | 0.3462% | 5,140 |
| Noninterest expense to average assets | 3.3197% | 2,496 |
| Loan and lease loss provision to assets | 0.3157% | 2,650 |
| Net operating income to assets | 0.4379% | 4,771 |
| Return on assets (ROA) | 0.4379% | 4,852 |
| Pretax return on assets | 0.4481% | 5,194 |
| Return on Equity (ROE) | 3.3912% | 5,203 |
| Retained earnings to average equity (ytd only) | 0.7098% | 5,541 |
| Net charge-offs to loans | -0.0839% | 7,039 |
| Credit loss provision to net charge-offs | -620.0000% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2968% | 2,330 |
| Assets per employee ($millions) | 3.4525% | 5,113 |
| Cash dividends to net income (ytd only)* | 79.0698% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,704 |
| Loan loss allowance to noncurrent loans | 109.3645% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 3,342 |
| Noncurrent loans to loans | 1.2725% | 4,570 |
| Net loans and leases to total assets | 61.0090% | 4,076 |
| Net loans and leases to deposits | 77.3313% | 3,184 |
| Net loans and leases to core deposits | 89.0777% | 2,474 |
| Total domestic deposits to total assets | 78.8930% | 6,221 |
| Equity capital to assets | 13.3920% | 1,222 |
| Core capital (leverage) ratio | 12.5982% | 1,284 |
| Tier 1 risk-based capital ratio | 17.7923% | 2,184 |
| Total risk-based capital ratio | 18.9707% | 2,179 |
| Memoranda: | ||
| Average total assets | $39,281,000 | 6,857 |
| Average earning assets | $36,251,000 | 6,836 |
| Average equity | $5,072,000 | 6,531 |
| Average total loans | $23,832,500 | 6,655 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4350% | 2,523 |
| Cost of funding earning assets | 0.9425% | 5,969 |
| Net interest margin | 4.4926% | 1,241 |
| Noninterest income to average assets | 1.0669% | 1,315 |
| Noninterest expense to average assets | 3.6085% | 1,902 |
| Loan and lease loss provision to assets | 0.7934% | 2,057 |
| Net operating income to assets | 0.7469% | 3,012 |
| Return on assets (ROA) | 0.7469% | 3,134 |
| Pretax return on assets | 0.7469% | 3,807 |
| Return on Equity (ROE) | 5.5248% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.6950% | 2,611 |
| Net charge-offs to loans | 1.3756% | 1,624 |
| Credit loss provision to net charge-offs | 84.7953% | 5,355 |
| Earnings coverage of net charge-offs (x) | 1.6462% | 4,500 |
| Efficiency ratio | 70.0850% | 4,167 |
| Assets per employee ($millions) | 3.6895% | 4,489 |
| Cash dividends to net income (ytd only)* | 15.0183% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,470 |
| Loan loss allowance to noncurrent loans | 98.3165% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.8480% | 3,560 |
| Noncurrent loans to loans | 1.2289% | 4,675 |
| Net loans and leases to total assets | 58.8311% | 4,886 |
| Net loans and leases to deposits | 72.3691% | 4,452 |
| Net loans and leases to core deposits | 83.5059% | 3,663 |
| Total domestic deposits to total assets | 81.2931% | 5,422 |
| Equity capital to assets | 12.4630% | 1,654 |
| Core capital (leverage) ratio | 12.7848% | 1,203 |
| Tier 1 risk-based capital ratio | 16.9979% | 2,344 |
| Total risk-based capital ratio | 18.0052% | 2,408 |
| Memoranda: | ||
| Average total assets | $36,553,000 | 6,989 |
| Average earning assets | $33,210,400 | 6,974 |
| Average equity | $4,941,400 | 6,684 |
| Average total loans | $24,861,400 | 6,684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 1,845 |
| Cost of funding earning assets | 1.0071% | 5,906 |
| Net interest margin | 4.6542% | 935 |
| Noninterest income to average assets | 0.4689% | 4,423 |
| Noninterest expense to average assets | 3.6910% | 1,582 |
| Loan and lease loss provision to assets | 0.6264% | 2,429 |
| Net operating income to assets | 0.3638% | 4,914 |
| Return on assets (ROA) | 0.3638% | 5,094 |
| Pretax return on assets | 0.3638% | 5,334 |
| Return on Equity (ROE) | 2.6328% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.7914% | 5,069 |
| Net charge-offs to loans | 0.6604% | 2,782 |
| Credit loss provision to net charge-offs | 134.6774% | 2,995 |
| Earnings coverage of net charge-offs (x) | 2.1290% | 4,126 |
| Efficiency ratio | 78.8462% | 2,510 |
| Assets per employee ($millions) | 3.3205% | 5,400 |
| Cash dividends to net income (ytd only)* | 31.9570% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,575 |
| Loan loss allowance to noncurrent loans | 74.8062% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 3.0389% | 2,386 |
| Noncurrent loans to loans | 2.1221% | 3,549 |
| Net loans and leases to total assets | 65.5122% | 3,795 |
| Net loans and leases to deposits | 82.9083% | 2,928 |
| Net loans and leases to core deposits | 95.8464% | 2,279 |
| Total domestic deposits to total assets | 79.0177% | 6,015 |
| Equity capital to assets | 13.8887% | 1,202 |
| Core capital (leverage) ratio | 13.5835% | 1,037 |
| Tier 1 risk-based capital ratio | 16.8043% | 2,407 |
| Total risk-based capital ratio | 18.0538% | 2,371 |
| Memoranda: | ||
| Average total assets | $35,545,250 | 7,108 |
| Average earning assets | $32,170,750 | 7,091 |
| Average equity | $4,912,250 | 6,779 |
| Average total loans | $25,034,750 | 6,754 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 2,124 |
| Cost of funding earning assets | 1.0027% | 6,125 |
| Net interest margin | 4.6025% | 988 |
| Noninterest income to average assets | 0.4373% | 4,634 |
| Noninterest expense to average assets | 3.6401% | 1,683 |
| Loan and lease loss provision to assets | 0.2215% | 4,683 |
| Net operating income to assets | 0.7723% | 3,098 |
| Return on assets (ROA) | 0.7723% | 3,250 |
| Pretax return on assets | 0.7723% | 3,974 |
| Return on Equity (ROE) | 5.5982% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.8985% | 2,963 |
| Net charge-offs to loans | -0.0158% | 7,251 |
| Credit loss provision to net charge-offs | -1,950.0000% | 6,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5539% | 2,649 |
| Assets per employee ($millions) | 2.9136% | 6,325 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,849 |
| Loan loss allowance to noncurrent loans | 28.5927% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 4.5191% | 1,469 |
| Noncurrent loans to loans | 5.2955% | 1,271 |
| Net loans and leases to total assets | 71.4384% | 2,555 |
| Net loans and leases to deposits | 90.9213% | 1,704 |
| Net loans and leases to core deposits | 107.1882% | 1,360 |
| Total domestic deposits to total assets | 78.5716% | 6,138 |
| Equity capital to assets | 14.2722% | 1,077 |
| Core capital (leverage) ratio | 13.7811% | 981 |
| Tier 1 risk-based capital ratio | 16.8534% | 2,341 |
| Total risk-based capital ratio | 18.1032% | 2,288 |
| Memoranda: | ||
| Average total assets | $35,218,330 | 7,173 |
| Average earning assets | $32,113,000 | 7,150 |
| Average equity | $4,858,670 | 6,828 |
| Average total loans | $25,274,670 | 6,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 2,765 |
| Cost of funding earning assets | 1.0329% | 6,214 |
| Net interest margin | 4.4305% | 1,296 |
| Noninterest income to average assets | 0.4300% | 4,663 |
| Noninterest expense to average assets | 3.6100% | 1,712 |
| Loan and lease loss provision to assets | 0.3169% | 3,518 |
| Net operating income to assets | 0.5319% | 4,222 |
| Return on assets (ROA) | 0.5319% | 4,360 |
| Pretax return on assets | 0.5319% | 4,847 |
| Return on Equity (ROE) | 3.9224% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.9224% | 3,783 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9645% | 2,415 |
| Assets per employee ($millions) | 2.9564% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 4,214 |
| Loan loss allowance to noncurrent loans | 23.9509% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 5.0709% | 1,258 |
| Noncurrent loans to loans | 6.0071% | 1,093 |
| Net loans and leases to total assets | 71.6380% | 2,537 |
| Net loans and leases to deposits | 89.4926% | 1,986 |
| Net loans and leases to core deposits | 106.0416% | 1,570 |
| Total domestic deposits to total assets | 80.0490% | 5,763 |
| Equity capital to assets | 13.5834% | 1,291 |
| Core capital (leverage) ratio | 13.4068% | 1,104 |
| Tier 1 risk-based capital ratio | 16.5071% | 2,444 |
| Total risk-based capital ratio | 17.7568% | 2,397 |
| Memoranda: | ||
| Average total assets | $35,346,000 | 7,259 |
| Average earning assets | $32,141,000 | 7,244 |
| Average equity | $4,793,000 | 6,914 |
| Average total loans | $25,231,500 | 6,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5352% | 3,955 |
| Cost of funding earning assets | 1.4137% | 5,877 |
| Net interest margin | 4.1215% | 2,362 |
| Noninterest income to average assets | -0.1303% | 7,820 |
| Noninterest expense to average assets | 4.0349% | 1,315 |
| Loan and lease loss provision to assets | 1.0883% | 2,098 |
| Net operating income to assets | -1.5514% | 6,885 |
| Return on assets (ROA) | -1.5514% | 6,889 |
| Pretax return on assets | -1.5659% | 6,733 |
| Return on Equity (ROE) | -10.8594% | 6,687 |
| Retained earnings to average equity (ytd only) | -10.8594% | 6,585 |
| Net charge-offs to loans | 1.7067% | 1,477 |
| Credit loss provision to net charge-offs | 92.6108% | 5,910 |
| Earnings coverage of net charge-offs (x) | -0.4064% | 6,633 |
| Efficiency ratio | 113.4255% | 729 |
| Assets per employee ($millions) | 2.9346% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,264 |
| Loan loss allowance to noncurrent loans | 32.4222% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 3.7228% | 1,792 |
| Noncurrent loans to loans | 4.2996% | 1,680 |
| Net loans and leases to total assets | 69.0984% | 3,462 |
| Net loans and leases to deposits | 83.5439% | 3,355 |
| Net loans and leases to core deposits | 105.9384% | 3,346 |
| Total domestic deposits to total assets | 82.7091% | 4,653 |
| Equity capital to assets | 13.5368% | 1,303 |
| Core capital (leverage) ratio | 13.9799% | 986 |
| Tier 1 risk-based capital ratio | 16.7213% | 2,229 |
| Total risk-based capital ratio | 17.9464% | 2,204 |
| Memoranda: | ||
| Average total assets | $34,548,400 | 7,300 |
| Average earning assets | $30,911,200 | 7,316 |
| Average equity | $4,935,800 | 6,964 |
| Average total loans | $23,788,000 | 6,992 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 4,268 |
| Cost of funding earning assets | 1.5054% | 5,796 |
| Net interest margin | 4.0259% | 2,700 |
| Noninterest income to average assets | -0.2676% | 8,003 |
| Noninterest expense to average assets | 4.2619% | 961 |
| Loan and lease loss provision to assets | 1.4154% | 1,359 |
| Net operating income to assets | -2.3229% | 7,417 |
| Return on assets (ROA) | -2.3229% | 7,408 |
| Pretax return on assets | -2.3462% | 7,298 |
| Return on Equity (ROE) | -16.0436% | 7,237 |
| Retained earnings to average equity (ytd only) | -16.0436% | 7,189 |
| Net charge-offs to loans | 2.3027% | 818 |
| Credit loss provision to net charge-offs | 89.6806% | 5,491 |
| Earnings coverage of net charge-offs (x) | -0.5897% | 6,512 |
| Efficiency ratio | 127.9395% | 494 |
| Assets per employee ($millions) | 2.8581% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,063 |
| Loan loss allowance to noncurrent loans | 38.6682% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 3.3706% | 1,992 |
| Noncurrent loans to loans | 3.5682% | 2,096 |
| Net loans and leases to total assets | 68.9827% | 3,713 |
| Net loans and leases to deposits | 89.2995% | 2,718 |
| Net loans and leases to core deposits | 119.4778% | 2,295 |
| Total domestic deposits to total assets | 77.2487% | 6,277 |
| Equity capital to assets | 13.7621% | 1,393 |
| Core capital (leverage) ratio | 13.2173% | 1,316 |
| Tier 1 risk-based capital ratio | 16.8700% | 2,315 |
| Total risk-based capital ratio | 18.0755% | 2,279 |
| Memoranda: | ||
| Average total assets | $34,381,750 | 7,367 |
| Average earning assets | $30,733,500 | 7,386 |
| Average equity | $4,978,000 | 7,006 |
| Average total loans | $23,565,750 | 7,059 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 5,260 |
| Cost of funding earning assets | 1.5412% | 5,971 |
| Net interest margin | 3.8367% | 3,384 |
| Noninterest income to average assets | 0.2267% | 6,669 |
| Noninterest expense to average assets | 4.2720% | 987 |
| Loan and lease loss provision to assets | 2.0634% | 778 |
| Net operating income to assets | -2.6736% | 7,606 |
| Return on assets (ROA) | -2.6736% | 7,595 |
| Pretax return on assets | -2.7085% | 7,476 |
| Return on Equity (ROE) | -18.1675% | 7,460 |
| Retained earnings to average equity (ytd only) | -18.1675% | 7,398 |
| Net charge-offs to loans | 3.5006% | 448 |
| Credit loss provision to net charge-offs | 86.5854% | 5,013 |
| Earnings coverage of net charge-offs (x) | -0.2707% | 5,935 |
| Efficiency ratio | 117.7885% | 708 |
| Assets per employee ($millions) | 2.9481% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,165 |
| Loan loss allowance to noncurrent loans | 36.4261% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 4.2033% | 1,369 |
| Noncurrent loans to loans | 3.6223% | 1,920 |
| Net loans and leases to total assets | 67.2273% | 4,308 |
| Net loans and leases to deposits | 81.0462% | 4,384 |
| Net loans and leases to core deposits | 109.3019% | 3,458 |
| Total domestic deposits to total assets | 82.9494% | 4,262 |
| Equity capital to assets | 13.6134% | 1,454 |
| Core capital (leverage) ratio | 14.0696% | 1,125 |
| Tier 1 risk-based capital ratio | 16.6086% | 2,417 |
| Total risk-based capital ratio | 17.7157% | 2,401 |
| Memoranda: | ||
| Average total assets | $34,410,000 | 7,430 |
| Average earning assets | $30,495,000 | 7,457 |
| Average equity | $5,064,000 | 7,040 |
| Average total loans | $23,424,330 | 7,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 5,278 |
| Cost of funding earning assets | 1.6164% | 5,961 |
| Net interest margin | 3.8120% | 3,399 |
| Noninterest income to average assets | 0.0943% | 7,578 |
| Noninterest expense to average assets | 4.4095% | 777 |
| Loan and lease loss provision to assets | 0.1297% | 5,295 |
| Net operating income to assets | -1.0375% | 7,277 |
| Return on assets (ROA) | -1.0375% | 7,289 |
| Pretax return on assets | -1.1083% | 7,203 |
| Return on Equity (ROE) | -6.7849% | 7,131 |
| Retained earnings to average equity (ytd only) | -6.7849% | 6,772 |
| Net charge-offs to loans | 0.2772% | 3,011 |
| Credit loss provision to net charge-offs | 68.7500% | 4,377 |
| Earnings coverage of net charge-offs (x) | -5.1875% | 5,569 |
| Efficiency ratio | 128.5223% | 517 |
| Assets per employee ($millions) | 2.7948% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 2,614 |
| Loan loss allowance to noncurrent loans | 27.9211% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 5.8173% | 704 |
| Noncurrent loans to loans | 5.6511% | 884 |
| Net loans and leases to total assets | 68.4447% | 4,032 |
| Net loans and leases to deposits | 84.2633% | 3,938 |
| Net loans and leases to core deposits | 116.4519% | 2,750 |
| Total domestic deposits to total assets | 81.2273% | 4,878 |
| Equity capital to assets | 15.2812% | 1,019 |
| Core capital (leverage) ratio | 15.7795% | 815 |
| Tier 1 risk-based capital ratio | 18.5648% | 1,912 |
| Total risk-based capital ratio | 19.8137% | 1,869 |
| Memoranda: | ||
| Average total assets | $33,926,500 | 7,494 |
| Average earning assets | $29,695,500 | 7,533 |
| Average equity | $5,188,000 | 7,057 |
| Average total loans | $23,086,000 | 7,176 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2956% | 3,982 |
| Cost of funding earning assets | 1.8170% | 6,961 |
| Net interest margin | 4.4786% | 1,476 |
| Noninterest income to average assets | 0.4166% | 5,329 |
| Noninterest expense to average assets | 4.5548% | 841 |
| Loan and lease loss provision to assets | 0.2220% | 4,667 |
| Net operating income to assets | -0.3132% | 6,746 |
| Return on assets (ROA) | -0.3132% | 6,613 |
| Pretax return on assets | -0.3132% | 6,478 |
| Return on Equity (ROE) | -2.0750% | 6,514 |
| Retained earnings to average equity (ytd only) | -2.4175% | 5,981 |
| Net charge-offs to loans | 0.8691% | 1,438 |
| Credit loss provision to net charge-offs | 35.4369% | 6,488 |
| Earnings coverage of net charge-offs (x) | -0.1456% | 6,349 |
| Efficiency ratio | 102.0436% | 913 |
| Assets per employee ($millions) | 2.6396% | 6,921 |
| Cash dividends to net income (ytd only)* | -16.5049% | 7,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 2,121 |
| Loan loss allowance to noncurrent loans | 41.8631% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 4.9366% | 711 |
| Noncurrent loans to loans | 3.8995% | 1,266 |
| Net loans and leases to total assets | 65.4991% | 4,951 |
| Net loans and leases to deposits | 80.6025% | 4,941 |
| Net loans and leases to core deposits | 109.9662% | 3,783 |
| Total domestic deposits to total assets | 81.2618% | 4,529 |
| Equity capital to assets | 15.3023% | 1,089 |
| Core capital (leverage) ratio | 16.1935% | 796 |
| Tier 1 risk-based capital ratio | 19.4079% | 1,729 |
| Total risk-based capital ratio | 20.6582% | 1,691 |
| Memoranda: | ||
| Average total assets | $32,888,600 | 7,516 |
| Average earning assets | $29,719,200 | 7,529 |
| Average equity | $4,963,800 | 7,157 |
| Average total loans | $23,703,600 | 7,092 |