Home > Merchants & Farmers Bank of Greene County, Alabama > Performance and Condition Ratios
Merchants & Farmers Bank of Greene County, Alabama, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 2,050 |
| Cost of funding earning assets | 1.1824% | 2,851 |
| Net interest margin | 3.8281% | 1,520 |
| Noninterest income to average assets | 3.4000% | 168 |
| Noninterest expense to average assets | 3.4692% | 599 |
| Loan and lease loss provision to assets | 0.7800% | 95 |
| Net operating income to assets | 2.5467% | 229 |
| Return on assets (ROA) | 2.4259% | 252 |
| Pretax return on assets | 2.5856% | 307 |
| Return on Equity (ROE) | 31.7700% | 156 |
| Retained earnings to average equity (ytd only) | 31.7674% | 43 |
| Net charge-offs to loans | 0.5323% | 190 |
| Credit loss provision to net charge-offs | 243.4018% | 1,093 |
| Earnings coverage of net charge-offs (x) | 10.8563% | 2,221 |
| Efficiency ratio | 49.7898% | 3,995 |
| Assets per employee ($millions) | 5.0997% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,057 |
| Loan loss allowance to noncurrent loans | 142.1409% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 867 |
| Noncurrent loans to loans | 1.0535% | 697 |
| Net loans and leases to total assets | 58.8300% | 2,967 |
| Net loans and leases to deposits | 64.8689% | 3,244 |
| Net loans and leases to core deposits | 81.9966% | 2,583 |
| Total domestic deposits to total assets | 90.6900% | 581 |
| Equity capital to assets | 8.5786% | 2,994 |
| Core capital (leverage) ratio | 11.5885% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $105,818,000 | 3,773 |
| Average earning assets | $98,612,000 | 3,756 |
| Average equity | $8,080,600 | 3,916 |
| Average total loans | $64,062,800 | 3,647 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 2,042 |
| Cost of funding earning assets | 1.0901% | 2,771 |
| Net interest margin | 3.8180% | 1,559 |
| Noninterest income to average assets | 3.8900% | 157 |
| Noninterest expense to average assets | 3.5227% | 541 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 3.4553% | 137 |
| Return on assets (ROA) | 3.4553% | 136 |
| Pretax return on assets | 3.6276% | 145 |
| Return on Equity (ROE) | 46.9000% | 80 |
| Retained earnings to average equity (ytd only) | 46.8969% | 36 |
| Net charge-offs to loans | 0.2067% | 428 |
| Credit loss provision to net charge-offs | 247.4227% | 994 |
| Earnings coverage of net charge-offs (x) | 31.3505% | 1,571 |
| Efficiency ratio | 47.2140% | 4,079 |
| Assets per employee ($millions) | 4.6950% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,342 |
| Loan loss allowance to noncurrent loans | 63.4477% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 493 |
| Noncurrent loans to loans | 1.5820% | 447 |
| Net loans and leases to total assets | 64.2100% | 2,420 |
| Net loans and leases to deposits | 71.9111% | 2,713 |
| Net loans and leases to core deposits | 85.3272% | 2,224 |
| Total domestic deposits to total assets | 89.2900% | 1,159 |
| Equity capital to assets | 8.2706% | 2,870 |
| Core capital (leverage) ratio | 12.0463% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $102,949,500 | 3,817 |
| Average earning assets | $96,384,000 | 3,791 |
| Average equity | $7,585,250 | 3,986 |
| Average total loans | $62,566,000 | 3,676 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,044 |
| Cost of funding earning assets | 0.9047% | 2,911 |
| Net interest margin | 3.8724% | 1,481 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.2665% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0585% | 2,239 |
| Return on assets (ROA) | 1.0585% | 2,237 |
| Pretax return on assets | 1.0585% | 2,754 |
| Return on Equity (ROE) | 15.0200% | 1,465 |
| Retained earnings to average equity (ytd only) | 15.0210% | 559 |
| Net charge-offs to loans | 0.1798% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 9.9259% | 2,007 |
| Efficiency ratio | 75.5251% | 1,217 |
| Assets per employee ($millions) | 3.9945% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 4,042 |
| Loan loss allowance to noncurrent loans | 42.4853% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 371 |
| Noncurrent loans to loans | 1.8662% | 316 |
| Net loans and leases to total assets | 60.9600% | 2,680 |
| Net loans and leases to deposits | 67.3736% | 2,961 |
| Net loans and leases to core deposits | 76.7654% | 2,709 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 7.1559% | 3,711 |
| Core capital (leverage) ratio | 10.1938% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $101,271,000 | 3,852 |
| Average earning assets | $94,618,000 | 3,829 |
| Average equity | $7,136,667 | 4,060 |
| Average total loans | $60,075,000 | 3,721 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 2,365 |
| Cost of funding earning assets | 0.7239% | 2,975 |
| Net interest margin | 3.7567% | 1,776 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 3.3848% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7002% | 3,464 |
| Return on assets (ROA) | 0.7002% | 3,413 |
| Pretax return on assets | 0.7002% | 3,663 |
| Return on Equity (ROE) | 10.0200% | 2,778 |
| Retained earnings to average equity (ytd only) | 10.0157% | 1,693 |
| Net charge-offs to loans | 0.3849% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 1,899 |
| Efficiency ratio | 82.8599% | 653 |
| Assets per employee ($millions) | 3.9022% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 3,999 |
| Loan loss allowance to noncurrent loans | 44.1718% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 278 |
| Noncurrent loans to loans | 1.9119% | 308 |
| Net loans and leases to total assets | 58.3300% | 2,841 |
| Net loans and leases to deposits | 64.4247% | 3,052 |
| Net loans and leases to core deposits | 71.8243% | 2,830 |
| Total domestic deposits to total assets | 90.5300% | 971 |
| Equity capital to assets | 7.1370% | 3,765 |
| Core capital (leverage) ratio | 10.3748% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $99,977,500 | 3,910 |
| Average earning assets | $93,381,000 | 3,888 |
| Average equity | $6,989,000 | 4,128 |
| Average total loans | $58,203,000 | 3,787 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 2,028 |
| Cost of funding earning assets | 0.5121% | 1,307 |
| Net interest margin | 3.3710% | 2,341 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 3.4722% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7006% | 3,617 |
| Return on assets (ROA) | 0.7006% | 3,565 |
| Pretax return on assets | 0.7391% | 3,770 |
| Return on Equity (ROE) | 8.9800% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.9831% | 1,485 |
| Net charge-offs to loans | 0.0686% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.3529% | 1,886 |
| Efficiency ratio | 82.4499% | 571 |
| Assets per employee ($millions) | 3.9399% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 3,452 |
| Loan loss allowance to noncurrent loans | 39.3812% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 186 |
| Noncurrent loans to loans | 2.5068% | 188 |
| Net loans and leases to total assets | 57.0200% | 2,914 |
| Net loans and leases to deposits | 61.4716% | 3,238 |
| Net loans and leases to core deposits | 68.7601% | 2,958 |
| Total domestic deposits to total assets | 92.7600% | 455 |
| Equity capital to assets | 6.8397% | 3,749 |
| Core capital (leverage) ratio | 10.4272% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $93,630,600 | 3,979 |
| Average earning assets | $87,481,000 | 3,954 |
| Average equity | $7,302,600 | 4,177 |
| Average total loans | $49,581,800 | 3,900 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 1,864 |
| Cost of funding earning assets | 0.4878% | 801 |
| Net interest margin | 3.2708% | 2,390 |
| Noninterest income to average assets | 1.1900% | 509 |
| Noninterest expense to average assets | 3.6328% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5886% | 3,859 |
| Return on assets (ROA) | 0.5886% | 3,821 |
| Pretax return on assets | 0.6146% | 3,959 |
| Return on Equity (ROE) | 7.3100% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.3077% | 2,263 |
| Net charge-offs to loans | 0.0084% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 767 |
| Efficiency ratio | 85.5299% | 477 |
| Assets per employee ($millions) | 3.7744% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,071 |
| Loan loss allowance to noncurrent loans | 45.1761% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 213 |
| Noncurrent loans to loans | 2.4108% | 224 |
| Net loans and leases to total assets | 56.7800% | 2,827 |
| Net loans and leases to deposits | 60.7823% | 3,128 |
| Net loans and leases to core deposits | 64.6837% | 3,058 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 6.1435% | 3,907 |
| Core capital (leverage) ratio | 10.1423% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $92,413,750 | 4,017 |
| Average earning assets | $86,378,250 | 3,990 |
| Average equity | $7,444,000 | 4,197 |
| Average total loans | $47,795,750 | 3,950 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 1,721 |
| Cost of funding earning assets | 0.5086% | 492 |
| Net interest margin | 3.1312% | 2,433 |
| Noninterest income to average assets | 1.3273% | 401 |
| Noninterest expense to average assets | 3.6245% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6081% | 3,604 |
| Return on assets (ROA) | 0.6081% | 3,549 |
| Pretax return on assets | 0.6277% | 3,759 |
| Return on Equity (ROE) | 6.9811% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.9811% | 1,997 |
| Net charge-offs to loans | 0.0526% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,483 |
| Efficiency ratio | 85.2383% | 610 |
| Assets per employee ($millions) | 3.6826% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,468 |
| Loan loss allowance to noncurrent loans | 49.0312% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 262 |
| Noncurrent loans to loans | 2.5288% | 223 |
| Net loans and leases to total assets | 48.4172% | 3,519 |
| Net loans and leases to deposits | 52.3908% | 3,657 |
| Net loans and leases to core deposits | 55.7435% | 3,586 |
| Total domestic deposits to total assets | 92.4154% | 688 |
| Equity capital to assets | 7.2242% | 3,648 |
| Core capital (leverage) ratio | 10.4533% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,765,000 | 4,067 |
| Average earning assets | $85,717,667 | 4,051 |
| Average equity | $7,993,000 | 4,204 |
| Average total loans | $45,670,333 | 4,036 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 1,191 |
| Cost of funding earning assets | 0.5373% | 401 |
| Net interest margin | 3.2044% | 1,868 |
| Noninterest income to average assets | 0.9401% | 776 |
| Noninterest expense to average assets | 3.6403% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2762% | 4,186 |
| Return on assets (ROA) | 0.2762% | 4,155 |
| Pretax return on assets | 0.2762% | 4,219 |
| Return on Equity (ROE) | 2.9070% | 4,112 |
| Retained earnings to average equity (ytd only) | 2.9070% | 3,298 |
| Net charge-offs to loans | 0.0355% | 943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,351 |
| Efficiency ratio | 92.9465% | 424 |
| Assets per employee ($millions) | 3.4127% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,391 |
| Loan loss allowance to noncurrent loans | 55.4409% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3817% | 273 |
| Noncurrent loans to loans | 2.3346% | 274 |
| Net loans and leases to total assets | 50.7928% | 3,095 |
| Net loans and leases to deposits | 55.7654% | 3,290 |
| Net loans and leases to core deposits | 60.2865% | 3,116 |
| Total domestic deposits to total assets | 91.0832% | 994 |
| Equity capital to assets | 8.6317% | 3,044 |
| Core capital (leverage) ratio | 10.4472% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,774,000 | 4,108 |
| Average earning assets | $83,385,000 | 4,097 |
| Average equity | $8,531,000 | 4,207 |
| Average total loans | $45,035,500 | 4,058 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 2,336 |
| Cost of funding earning assets | 0.5906% | 568 |
| Net interest margin | 3.0258% | 3,129 |
| Noninterest income to average assets | 3.3025% | 165 |
| Noninterest expense to average assets | 3.8612% | 333 |
| Loan and lease loss provision to assets | 0.0871% | 1,413 |
| Net operating income to assets | 2.0486% | 310 |
| Return on assets (ROA) | 1.9031% | 429 |
| Pretax return on assets | 1.9956% | 603 |
| Return on Equity (ROE) | 20.1315% | 305 |
| Retained earnings to average equity (ytd only) | 20.1315% | 63 |
| Net charge-offs to loans | 0.0684% | 1,110 |
| Credit loss provision to net charge-offs | 254.8387% | 1,154 |
| Earnings coverage of net charge-offs (x) | 65.4516% | 1,124 |
| Efficiency ratio | 63.3291% | 2,668 |
| Assets per employee ($millions) | 3.3636% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,193 |
| Loan loss allowance to noncurrent loans | 64.0777% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.1969% | 414 |
| Noncurrent loans to loans | 2.0873% | 369 |
| Net loans and leases to total assets | 48.2476% | 3,479 |
| Net loans and leases to deposits | 54.1586% | 3,589 |
| Net loans and leases to core deposits | 58.5374% | 3,431 |
| Total domestic deposits to total assets | 89.0857% | 1,462 |
| Equity capital to assets | 10.3538% | 2,319 |
| Core capital (leverage) ratio | 10.4348% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,748,600 | 4,091 |
| Average earning assets | $83,813,000 | 4,081 |
| Average equity | $8,578,600 | 4,282 |
| Average total loans | $45,353,800 | 4,082 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 2,386 |
| Cost of funding earning assets | 0.6073% | 620 |
| Net interest margin | 3.0511% | 3,178 |
| Noninterest income to average assets | 3.9559% | 143 |
| Noninterest expense to average assets | 3.8354% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7876% | 153 |
| Return on assets (ROA) | 2.7876% | 157 |
| Pretax return on assets | 2.9331% | 190 |
| Return on Equity (ROE) | 30.2093% | 95 |
| Retained earnings to average equity (ytd only) | 30.2093% | 30 |
| Net charge-offs to loans | -0.1609% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6652% | 3,455 |
| Assets per employee ($millions) | 3.2061% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,120 |
| Loan loss allowance to noncurrent loans | 64.9675% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 377 |
| Noncurrent loans to loans | 2.1193% | 402 |
| Net loans and leases to total assets | 47.7944% | 3,642 |
| Net loans and leases to deposits | 53.9718% | 3,740 |
| Net loans and leases to core deposits | 58.4113% | 3,592 |
| Total domestic deposits to total assets | 88.5543% | 1,540 |
| Equity capital to assets | 10.8397% | 2,137 |
| Core capital (leverage) ratio | 10.5150% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,731,500 | 4,139 |
| Average earning assets | $83,640,750 | 4,138 |
| Average equity | $8,372,500 | 4,364 |
| Average total loans | $45,589,500 | 4,133 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 2,542 |
| Cost of funding earning assets | 0.6371% | 613 |
| Net interest margin | 2.9899% | 3,350 |
| Noninterest income to average assets | 1.2455% | 754 |
| Noninterest expense to average assets | 3.7979% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1999% | 4,634 |
| Return on assets (ROA) | 0.1999% | 4,647 |
| Pretax return on assets | 0.1999% | 4,667 |
| Return on Equity (ROE) | 2.2981% | 4,566 |
| Retained earnings to average equity (ytd only) | 2.2981% | 4,049 |
| Net charge-offs to loans | 0.0043% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 790 |
| Efficiency ratio | 95.0000% | 235 |
| Assets per employee ($millions) | 3.2420% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,951 |
| Loan loss allowance to noncurrent loans | 52.3077% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 372 |
| Noncurrent loans to loans | 2.2877% | 384 |
| Net loans and leases to total assets | 49.4806% | 3,610 |
| Net loans and leases to deposits | 54.5023% | 3,825 |
| Net loans and leases to core deposits | 59.9365% | 3,623 |
| Total domestic deposits to total assets | 90.7862% | 442 |
| Equity capital to assets | 8.7335% | 4,021 |
| Core capital (leverage) ratio | 8.4448% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9091% | 1,663 |
| Memoranda: | ||
| Average total assets | $91,051,333 | 4,162 |
| Average earning assets | $83,816,667 | 4,157 |
| Average equity | $7,919,667 | 4,420 |
| Average total loans | $46,284,333 | 4,148 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 2,199 |
| Cost of funding earning assets | 0.6518% | 686 |
| Net interest margin | 3.1152% | 2,941 |
| Noninterest income to average assets | 1.1054% | 973 |
| Noninterest expense to average assets | 3.7066% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2500% | 4,594 |
| Return on assets (ROA) | 0.2500% | 4,616 |
| Pretax return on assets | 0.2500% | 4,643 |
| Return on Equity (ROE) | 2.8804% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.8804% | 3,815 |
| Net charge-offs to loans | -0.0685% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6807% | 289 |
| Assets per employee ($millions) | 3.4189% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,008 |
| Loan loss allowance to noncurrent loans | 65.2123% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 497 |
| Noncurrent loans to loans | 1.8152% | 634 |
| Net loans and leases to total assets | 50.0103% | 3,623 |
| Net loans and leases to deposits | 54.8690% | 3,880 |
| Net loans and leases to core deposits | 61.1752% | 3,632 |
| Total domestic deposits to total assets | 91.1450% | 350 |
| Equity capital to assets | 8.4780% | 4,136 |
| Core capital (leverage) ratio | 8.4127% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,188,500 | 4,171 |
| Average earning assets | $83,462,000 | 4,171 |
| Average equity | $7,915,500 | 4,439 |
| Average total loans | $46,696,000 | 4,161 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6803% | 931 |
| Cost of funding earning assets | 0.8728% | 935 |
| Net interest margin | 3.8075% | 1,478 |
| Noninterest income to average assets | 0.9759% | 1,096 |
| Noninterest expense to average assets | 3.9449% | 400 |
| Loan and lease loss provision to assets | 0.0248% | 4,088 |
| Net operating income to assets | 0.4467% | 4,147 |
| Return on assets (ROA) | 0.4467% | 4,226 |
| Pretax return on assets | 0.4667% | 4,329 |
| Return on Equity (ROE) | 4.9213% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.9213% | 2,305 |
| Net charge-offs to loans | -0.0249% | 4,484 |
| Credit loss provision to net charge-offs | -175.0000% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9214% | 414 |
| Assets per employee ($millions) | 3.3359% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,954 |
| Loan loss allowance to noncurrent loans | 81.0420% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 689 |
| Noncurrent loans to loans | 1.4800% | 902 |
| Net loans and leases to total assets | 51.2169% | 3,732 |
| Net loans and leases to deposits | 56.5256% | 3,966 |
| Net loans and leases to core deposits | 63.2420% | 3,754 |
| Total domestic deposits to total assets | 90.6082% | 332 |
| Equity capital to assets | 8.8877% | 4,158 |
| Core capital (leverage) ratio | 8.6730% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,843,400 | 4,191 |
| Average earning assets | $77,110,200 | 4,200 |
| Average equity | $7,701,200 | 4,458 |
| Average total loans | $48,160,200 | 4,143 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 818 |
| Cost of funding earning assets | 0.9062% | 1,048 |
| Net interest margin | 3.9370% | 1,264 |
| Noninterest income to average assets | 0.7230% | 1,726 |
| Noninterest expense to average assets | 3.9231% | 402 |
| Loan and lease loss provision to assets | 0.0335% | 3,920 |
| Net operating income to assets | 0.3272% | 4,396 |
| Return on assets (ROA) | 0.3272% | 4,454 |
| Pretax return on assets | 0.3511% | 4,487 |
| Return on Equity (ROE) | 3.5845% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.5845% | 3,264 |
| Net charge-offs to loans | 0.0412% | 2,037 |
| Credit loss provision to net charge-offs | 140.0000% | 2,382 |
| Earnings coverage of net charge-offs (x) | 16.0667% | 2,071 |
| Efficiency ratio | 91.0708% | 340 |
| Assets per employee ($millions) | 3.2984% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,317 |
| Loan loss allowance to noncurrent loans | 72.2826% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 677 |
| Noncurrent loans to loans | 1.4921% | 961 |
| Net loans and leases to total assets | 54.7908% | 3,732 |
| Net loans and leases to deposits | 60.4272% | 4,031 |
| Net loans and leases to core deposits | 68.8747% | 3,703 |
| Total domestic deposits to total assets | 90.6723% | 240 |
| Equity capital to assets | 8.7753% | 4,271 |
| Core capital (leverage) ratio | 8.4592% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,537,250 | 4,207 |
| Average earning assets | $76,063,250 | 4,221 |
| Average equity | $7,625,250 | 4,485 |
| Average total loans | $48,527,750 | 4,160 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 903 |
| Cost of funding earning assets | 0.9552% | 1,129 |
| Net interest margin | 3.9884% | 1,354 |
| Noninterest income to average assets | 0.8397% | 1,317 |
| Noninterest expense to average assets | 4.0515% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3697% | 4,292 |
| Return on assets (ROA) | 0.3697% | 4,350 |
| Pretax return on assets | 0.3966% | 4,417 |
| Return on Equity (ROE) | 3.9937% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.9937% | 2,912 |
| Net charge-offs to loans | -0.0829% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0842% | 363 |
| Assets per employee ($millions) | 3.2617% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,017 |
| Loan loss allowance to noncurrent loans | 53.2619% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 500 |
| Noncurrent loans to loans | 2.0778% | 627 |
| Net loans and leases to total assets | 55.5038% | 3,729 |
| Net loans and leases to deposits | 61.2155% | 4,058 |
| Net loans and leases to core deposits | 69.8625% | 3,717 |
| Total domestic deposits to total assets | 90.6695% | 229 |
| Equity capital to assets | 8.8297% | 4,233 |
| Core capital (leverage) ratio | 8.9305% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,697,333 | 4,233 |
| Average earning assets | $73,914,333 | 4,249 |
| Average equity | $7,562,000 | 4,514 |
| Average total loans | $48,261,333 | 4,173 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 802 |
| Cost of funding earning assets | 0.9929% | 1,447 |
| Net interest margin | 4.1030% | 1,130 |
| Noninterest income to average assets | 0.9221% | 1,021 |
| Noninterest expense to average assets | 4.3101% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2649% | 4,420 |
| Return on assets (ROA) | 0.2649% | 4,445 |
| Pretax return on assets | 0.2751% | 4,485 |
| Return on Equity (ROE) | 2.7901% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.7901% | 3,160 |
| Net charge-offs to loans | -0.1175% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0000% | 376 |
| Assets per employee ($millions) | 2.6511% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,116 |
| Loan loss allowance to noncurrent loans | 64.1756% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6383% | 617 |
| Noncurrent loans to loans | 1.7367% | 867 |
| Net loans and leases to total assets | 60.3518% | 3,461 |
| Net loans and leases to deposits | 66.9479% | 3,800 |
| Net loans and leases to core deposits | 78.5324% | 3,312 |
| Total domestic deposits to total assets | 90.1474% | 280 |
| Equity capital to assets | 9.4402% | 4,273 |
| Core capital (leverage) ratio | 9.3366% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,513,000 | 4,283 |
| Average earning assets | $70,094,500 | 4,311 |
| Average equity | $7,455,000 | 4,554 |
| Average total loans | $47,678,500 | 4,195 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 342 |
| Cost of funding earning assets | 0.7151% | 3,091 |
| Net interest margin | 5.0568% | 237 |
| Noninterest income to average assets | 1.8585% | 294 |
| Noninterest expense to average assets | 4.9542% | 221 |
| Loan and lease loss provision to assets | 0.4349% | 320 |
| Net operating income to assets | 0.9788% | 2,917 |
| Return on assets (ROA) | 0.9788% | 2,994 |
| Pretax return on assets | 1.0362% | 3,372 |
| Return on Equity (ROE) | 9.3702% | 2,579 |
| Retained earnings to average equity (ytd only) | 4.5202% | 2,696 |
| Net charge-offs to loans | 0.4183% | 463 |
| Credit loss provision to net charge-offs | 156.9948% | 1,641 |
| Earnings coverage of net charge-offs (x) | 5.3109% | 3,101 |
| Efficiency ratio | 77.1052% | 1,254 |
| Assets per employee ($millions) | 2.6722% | 4,951 |
| Cash dividends to net income (ytd only)* | 51.7595% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 2,805 |
| Loan loss allowance to noncurrent loans | 55.7672% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 662 |
| Noncurrent loans to loans | 2.0185% | 636 |
| Net loans and leases to total assets | 59.7337% | 3,610 |
| Net loans and leases to deposits | 66.4695% | 3,927 |
| Net loans and leases to core deposits | 75.6459% | 3,601 |
| Total domestic deposits to total assets | 89.8663% | 363 |
| Equity capital to assets | 9.5517% | 4,310 |
| Core capital (leverage) ratio | 10.0811% | 3,430 |
| Tier 1 risk-based capital ratio | 14.4469% | 3,045 |
| Total risk-based capital ratio | 15.4973% | 3,060 |
| Memoranda: | ||
| Average total assets | $69,678,200 | 4,435 |
| Average earning assets | $62,925,600 | 4,460 |
| Average equity | $7,278,400 | 4,606 |
| Average total loans | $46,135,400 | 4,259 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 346 |
| Cost of funding earning assets | 0.6461% | 3,468 |
| Net interest margin | 5.1642% | 209 |
| Noninterest income to average assets | 1.5632% | 375 |
| Noninterest expense to average assets | 4.7978% | 243 |
| Loan and lease loss provision to assets | 0.4981% | 241 |
| Net operating income to assets | 0.9154% | 3,285 |
| Return on assets (ROA) | 0.9154% | 3,370 |
| Pretax return on assets | 0.9725% | 3,673 |
| Return on Equity (ROE) | 8.5544% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.5544% | 1,186 |
| Net charge-offs to loans | 0.5076% | 332 |
| Credit loss provision to net charge-offs | 144.5714% | 1,682 |
| Earnings coverage of net charge-offs (x) | 4.2685% | 3,027 |
| Efficiency ratio | 76.5389% | 1,266 |
| Assets per employee ($millions) | 2.3884% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,517 |
| Loan loss allowance to noncurrent loans | 55.0111% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.5464% | 701 |
| Noncurrent loans to loans | 1.8367% | 769 |
| Net loans and leases to total assets | 67.5445% | 2,862 |
| Net loans and leases to deposits | 77.2030% | 3,180 |
| Net loans and leases to core deposits | 89.0027% | 2,635 |
| Total domestic deposits to total assets | 87.4895% | 1,258 |
| Equity capital to assets | 10.5845% | 3,480 |
| Core capital (leverage) ratio | 10.4679% | 3,131 |
| Tier 1 risk-based capital ratio | 14.8193% | 2,941 |
| Total risk-based capital ratio | 15.8109% | 2,973 |
| Memoranda: | ||
| Average total assets | $67,724,250 | 4,522 |
| Average earning assets | $61,705,000 | 4,538 |
| Average equity | $7,247,500 | 4,666 |
| Average total loans | $45,965,000 | 4,314 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 418 |
| Cost of funding earning assets | 0.5231% | 4,016 |
| Net interest margin | 5.1650% | 210 |
| Noninterest income to average assets | 1.8219% | 302 |
| Noninterest expense to average assets | 4.8935% | 233 |
| Loan and lease loss provision to assets | 0.7348% | 144 |
| Net operating income to assets | 0.8040% | 3,639 |
| Return on assets (ROA) | 0.8040% | 3,699 |
| Pretax return on assets | 0.8914% | 3,871 |
| Return on Equity (ROE) | 7.4839% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.4839% | 1,609 |
| Net charge-offs to loans | 0.6802% | 224 |
| Credit loss provision to net charge-offs | 159.4771% | 1,431 |
| Earnings coverage of net charge-offs (x) | 3.5294% | 2,833 |
| Efficiency ratio | 75.0577% | 1,510 |
| Assets per employee ($millions) | 2.4684% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,362 |
| Loan loss allowance to noncurrent loans | 36.1763% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.3396% | 337 |
| Noncurrent loans to loans | 2.8903% | 363 |
| Net loans and leases to total assets | 69.6979% | 2,568 |
| Net loans and leases to deposits | 79.6623% | 2,991 |
| Net loans and leases to core deposits | 90.1066% | 2,590 |
| Total domestic deposits to total assets | 87.4917% | 1,343 |
| Equity capital to assets | 10.6505% | 3,387 |
| Core capital (leverage) ratio | 10.7385% | 2,853 |
| Tier 1 risk-based capital ratio | 14.3881% | 3,124 |
| Total risk-based capital ratio | 15.4074% | 3,155 |
| Memoranda: | ||
| Average total assets | $66,415,000 | 4,579 |
| Average earning assets | $60,407,000 | 4,598 |
| Average equity | $7,135,330 | 4,706 |
| Average total loans | $44,989,670 | 4,368 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5142% | 511 |
| Cost of funding earning assets | 0.4713% | 4,198 |
| Net interest margin | 5.0429% | 266 |
| Noninterest income to average assets | 1.1004% | 668 |
| Noninterest expense to average assets | 4.8874% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7746% | 3,702 |
| Return on assets (ROA) | 0.7746% | 3,747 |
| Pretax return on assets | 0.8176% | 4,001 |
| Return on Equity (ROE) | 7.1769% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.1769% | 1,973 |
| Net charge-offs to loans | -0.5377% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6681% | 605 |
| Assets per employee ($millions) | 2.1927% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,205 |
| Loan loss allowance to noncurrent loans | 34.4678% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.1718% | 414 |
| Noncurrent loans to loans | 3.1481% | 327 |
| Net loans and leases to total assets | 68.2382% | 2,724 |
| Net loans and leases to deposits | 77.1921% | 3,145 |
| Net loans and leases to core deposits | 81.2630% | 3,245 |
| Total domestic deposits to total assets | 88.4005% | 1,131 |
| Equity capital to assets | 11.2346% | 2,620 |
| Core capital (leverage) ratio | 11.0013% | 2,574 |
| Tier 1 risk-based capital ratio | 15.7008% | 2,568 |
| Total risk-based capital ratio | 16.7618% | 2,566 |
| Memoranda: | ||
| Average total assets | $65,065,500 | 4,657 |
| Average earning assets | $59,410,500 | 4,666 |
| Average equity | $7,022,500 | 4,752 |
| Average total loans | $43,144,500 | 4,457 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5148% | 385 |
| Cost of funding earning assets | 0.2738% | 4,690 |
| Net interest margin | 5.2410% | 175 |
| Noninterest income to average assets | 1.2141% | 629 |
| Noninterest expense to average assets | 5.0441% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9442% | 3,267 |
| Return on assets (ROA) | 0.9442% | 3,260 |
| Pretax return on assets | 0.9668% | 3,708 |
| Return on Equity (ROE) | 8.6060% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.6587% | 2,382 |
| Net charge-offs to loans | 0.4968% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.1979% | 3,439 |
| Efficiency ratio | 83.9161% | 657 |
| Assets per employee ($millions) | 2.2181% | 5,277 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,782 |
| Loan loss allowance to noncurrent loans | 41.5920% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 779 |
| Noncurrent loans to loans | 2.3691% | 534 |
| Net loans and leases to total assets | 63.1225% | 3,453 |
| Net loans and leases to deposits | 70.7717% | 3,765 |
| Net loans and leases to core deposits | 73.2564% | 3,906 |
| Total domestic deposits to total assets | 89.1918% | 779 |
| Equity capital to assets | 10.3709% | 3,309 |
| Core capital (leverage) ratio | 11.0163% | 2,511 |
| Tier 1 risk-based capital ratio | 15.6357% | 2,562 |
| Total risk-based capital ratio | 16.5804% | 2,613 |
| Memoranda: | ||
| Average total assets | $61,854,400 | 4,723 |
| Average earning assets | $56,611,800 | 4,736 |
| Average equity | $6,786,000 | 4,779 |
| Average total loans | $37,641,000 | 4,620 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 316 |
| Cost of funding earning assets | 0.2375% | 4,856 |
| Net interest margin | 5.3271% | 141 |
| Noninterest income to average assets | 1.1447% | 717 |
| Noninterest expense to average assets | 5.0996% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8701% | 3,660 |
| Return on assets (ROA) | 0.8701% | 3,662 |
| Pretax return on assets | 0.9250% | 3,935 |
| Return on Equity (ROE) | 7.8137% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.8137% | 1,742 |
| Net charge-offs to loans | 0.4646% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 3.3149% | 3,172 |
| Efficiency ratio | 84.6462% | 608 |
| Assets per employee ($millions) | 1.9507% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,734 |
| Loan loss allowance to noncurrent loans | 78.5832% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0038% | 1,449 |
| Noncurrent loans to loans | 1.5034% | 1,084 |
| Net loans and leases to total assets | 65.9766% | 3,179 |
| Net loans and leases to deposits | 76.5400% | 3,369 |
| Net loans and leases to core deposits | 78.1915% | 3,640 |
| Total domestic deposits to total assets | 86.1988% | 2,100 |
| Equity capital to assets | 11.3505% | 2,358 |
| Core capital (leverage) ratio | 11.6134% | 2,077 |
| Tier 1 risk-based capital ratio | 16.8102% | 2,166 |
| Total risk-based capital ratio | 17.9671% | 2,147 |
| Memoranda: | ||
| Average total assets | $60,682,500 | 4,800 |
| Average earning assets | $55,588,750 | 4,810 |
| Average equity | $6,757,250 | 4,831 |
| Average total loans | $36,446,000 | 4,695 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 438 |
| Cost of funding earning assets | 0.2193% | 4,925 |
| Net interest margin | 5.1192% | 197 |
| Noninterest income to average assets | 1.1720% | 698 |
| Noninterest expense to average assets | 5.1718% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6617% | 4,316 |
| Return on assets (ROA) | 0.6617% | 4,318 |
| Pretax return on assets | 0.6880% | 4,544 |
| Return on Equity (ROE) | 5.9807% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.9807% | 2,574 |
| Net charge-offs to loans | 0.0740% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 16.0769% | 2,010 |
| Efficiency ratio | 88.2584% | 452 |
| Assets per employee ($millions) | 1.9845% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 1,125 |
| Loan loss allowance to noncurrent loans | 47.6998% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.0811% | 498 |
| Noncurrent loans to loans | 3.3459% | 308 |
| Net loans and leases to total assets | 61.2050% | 3,682 |
| Net loans and leases to deposits | 69.3126% | 3,913 |
| Net loans and leases to core deposits | 71.0908% | 4,078 |
| Total domestic deposits to total assets | 88.3029% | 1,218 |
| Equity capital to assets | 11.3310% | 2,332 |
| Core capital (leverage) ratio | 11.1920% | 2,353 |
| Tier 1 risk-based capital ratio | 17.1946% | 2,032 |
| Total risk-based capital ratio | 18.4480% | 1,982 |
| Memoranda: | ||
| Average total assets | $60,752,330 | 4,859 |
| Average earning assets | $55,633,670 | 4,864 |
| Average equity | $6,721,670 | 4,889 |
| Average total loans | $35,136,330 | 4,777 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 571 |
| Cost of funding earning assets | 0.2082% | 4,966 |
| Net interest margin | 4.9034% | 276 |
| Noninterest income to average assets | 1.1473% | 699 |
| Noninterest expense to average assets | 5.1303% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4498% | 4,812 |
| Return on assets (ROA) | 0.4498% | 4,816 |
| Pretax return on assets | 0.4694% | 4,924 |
| Return on Equity (ROE) | 4.1136% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.1136% | 3,555 |
| Net charge-offs to loans | 0.0351% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,369 |
| Efficiency ratio | 91.6182% | 378 |
| Assets per employee ($millions) | 2.0177% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 891 |
| Loan loss allowance to noncurrent loans | 43.7409% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.3856% | 406 |
| Noncurrent loans to loans | 3.9653% | 255 |
| Net loans and leases to total assets | 56.2531% | 4,100 |
| Net loans and leases to deposits | 63.4291% | 4,241 |
| Net loans and leases to core deposits | 68.8449% | 4,164 |
| Total domestic deposits to total assets | 88.6866% | 1,263 |
| Equity capital to assets | 11.0028% | 2,574 |
| Core capital (leverage) ratio | 10.9959% | 2,444 |
| Tier 1 risk-based capital ratio | 18.1813% | 1,774 |
| Total risk-based capital ratio | 19.4367% | 1,735 |
| Memoranda: | ||
| Average total assets | $61,360,500 | 4,899 |
| Average earning assets | $55,716,500 | 4,918 |
| Average equity | $6,709,500 | 4,941 |
| Average total loans | $34,189,500 | 4,858 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0317% | 610 |
| Cost of funding earning assets | 0.2137% | 4,837 |
| Net interest margin | 4.8180% | 340 |
| Noninterest income to average assets | 1.5344% | 447 |
| Noninterest expense to average assets | 4.6649% | 273 |
| Loan and lease loss provision to assets | 0.0470% | 3,286 |
| Net operating income to assets | 1.1974% | 1,532 |
| Return on assets (ROA) | 1.1974% | 1,555 |
| Pretax return on assets | 1.2428% | 2,584 |
| Return on Equity (ROE) | 10.9084% | 1,520 |
| Retained earnings to average equity (ytd only) | 5.0040% | 2,126 |
| Net charge-offs to loans | -1.0508% | 5,629 |
| Credit loss provision to net charge-offs | -8.3815% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3401% | 1,305 |
| Assets per employee ($millions) | 2.1445% | 5,548 |
| Cash dividends to net income (ytd only)* | 54.1272% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 789 |
| Loan loss allowance to noncurrent loans | 68.7927% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 891 |
| Noncurrent loans to loans | 2.6032% | 498 |
| Net loans and leases to total assets | 53.2617% | 4,418 |
| Net loans and leases to deposits | 60.2255% | 4,552 |
| Net loans and leases to core deposits | 64.5264% | 4,502 |
| Total domestic deposits to total assets | 88.4372% | 1,278 |
| Equity capital to assets | 10.8681% | 2,766 |
| Core capital (leverage) ratio | 10.9327% | 2,398 |
| Tier 1 risk-based capital ratio | 17.3238% | 1,988 |
| Total risk-based capital ratio | 18.5790% | 1,943 |
| Memoranda: | ||
| Average total assets | $61,716,400 | 4,929 |
| Average earning assets | $56,621,200 | 4,935 |
| Average equity | $6,774,600 | 4,981 |
| Average total loans | $32,926,800 | 4,926 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0181% | 590 |
| Cost of funding earning assets | 0.2177% | 4,832 |
| Net interest margin | 4.8004% | 332 |
| Noninterest income to average assets | 1.1407% | 779 |
| Noninterest expense to average assets | 4.3572% | 353 |
| Loan and lease loss provision to assets | 0.0628% | 2,816 |
| Net operating income to assets | 1.1537% | 1,864 |
| Return on assets (ROA) | 1.1537% | 1,908 |
| Pretax return on assets | 1.1602% | 3,066 |
| Return on Equity (ROE) | 10.4839% | 1,913 |
| Retained earnings to average equity (ytd only) | 7.0417% | 1,670 |
| Net charge-offs to loans | -1.3893% | 5,693 |
| Credit loss provision to net charge-offs | -8.5044% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0838% | 1,324 |
| Assets per employee ($millions) | 2.3247% | 5,571 |
| Cash dividends to net income (ytd only)* | 32.8333% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8730% | 743 |
| Loan loss allowance to noncurrent loans | 70.2227% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 989 |
| Noncurrent loans to loans | 2.6672% | 538 |
| Net loans and leases to total assets | 51.9208% | 4,573 |
| Net loans and leases to deposits | 58.9688% | 4,684 |
| Net loans and leases to core deposits | 65.1119% | 4,544 |
| Total domestic deposits to total assets | 88.0480% | 1,339 |
| Equity capital to assets | 11.5251% | 2,336 |
| Core capital (leverage) ratio | 10.7844% | 2,658 |
| Tier 1 risk-based capital ratio | 19.2121% | 1,536 |
| Total risk-based capital ratio | 20.4696% | 1,494 |
| Memoranda: | ||
| Average total assets | $61,597,750 | 4,986 |
| Average earning assets | $56,965,500 | 4,985 |
| Average equity | $6,778,500 | 5,035 |
| Average total loans | $32,726,500 | 4,984 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 670 |
| Cost of funding earning assets | 0.2243% | 4,767 |
| Net interest margin | 4.6901% | 398 |
| Noninterest income to average assets | 1.1293% | 782 |
| Noninterest expense to average assets | 4.2625% | 393 |
| Loan and lease loss provision to assets | 0.0936% | 2,118 |
| Net operating income to assets | 1.0809% | 2,082 |
| Return on assets (ROA) | 1.0809% | 2,124 |
| Pretax return on assets | 1.0906% | 3,217 |
| Return on Equity (ROE) | 9.9762% | 2,043 |
| Retained earnings to average equity (ytd only) | 7.7427% | 1,263 |
| Net charge-offs to loans | 0.0849% | 1,763 |
| Credit loss provision to net charge-offs | 207.1429% | 1,238 |
| Earnings coverage of net charge-offs (x) | 26.2143% | 1,582 |
| Efficiency ratio | 78.2583% | 1,429 |
| Assets per employee ($millions) | 2.5681% | 5,524 |
| Cash dividends to net income (ytd only)* | 22.3881% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 5,109 |
| Loan loss allowance to noncurrent loans | 24.2786% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.7441% | 807 |
| Noncurrent loans to loans | 3.0495% | 423 |
| Net loans and leases to total assets | 53.0737% | 4,480 |
| Net loans and leases to deposits | 59.9769% | 4,628 |
| Net loans and leases to core deposits | 66.4014% | 4,442 |
| Total domestic deposits to total assets | 88.4903% | 1,208 |
| Equity capital to assets | 11.1884% | 2,610 |
| Core capital (leverage) ratio | 10.4819% | 2,937 |
| Tier 1 risk-based capital ratio | 18.0947% | 1,829 |
| Total risk-based capital ratio | 18.7786% | 1,952 |
| Memoranda: | ||
| Average total assets | $61,983,000 | 5,016 |
| Average earning assets | $57,056,000 | 5,020 |
| Average equity | $6,716,000 | 5,074 |
| Average total loans | $32,975,000 | 5,009 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 600 |
| Cost of funding earning assets | 0.2250% | 4,753 |
| Net interest margin | 4.6972% | 376 |
| Noninterest income to average assets | 1.1133% | 804 |
| Noninterest expense to average assets | 4.3310% | 377 |
| Loan and lease loss provision to assets | 0.1287% | 1,492 |
| Net operating income to assets | 0.9331% | 2,593 |
| Return on assets (ROA) | 0.9331% | 2,649 |
| Pretax return on assets | 0.9524% | 3,580 |
| Return on Equity (ROE) | 8.7534% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.7534% | 1,166 |
| Net charge-offs to loans | -0.0243% | 4,840 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0238% | 1,379 |
| Assets per employee ($millions) | 2.5943% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 5,187 |
| Loan loss allowance to noncurrent loans | 33.1572% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 1,260 |
| Noncurrent loans to loans | 2.2725% | 733 |
| Net loans and leases to total assets | 53.0981% | 4,413 |
| Net loans and leases to deposits | 59.7351% | 4,581 |
| Net loans and leases to core deposits | 66.0243% | 4,423 |
| Total domestic deposits to total assets | 88.8892% | 1,200 |
| Equity capital to assets | 10.8313% | 2,820 |
| Core capital (leverage) ratio | 10.3119% | 3,094 |
| Tier 1 risk-based capital ratio | 18.1696% | 1,812 |
| Total risk-based capital ratio | 18.8888% | 1,948 |
| Memoranda: | ||
| Average total assets | $62,157,000 | 5,071 |
| Average earning assets | $56,884,500 | 5,078 |
| Average equity | $6,626,000 | 5,136 |
| Average total loans | $32,984,500 | 5,055 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 1,597 |
| Cost of funding earning assets | 0.3670% | 3,343 |
| Net interest margin | 4.1135% | 1,352 |
| Noninterest income to average assets | 1.1199% | 914 |
| Noninterest expense to average assets | 3.9243% | 668 |
| Loan and lease loss provision to assets | 0.1794% | 1,336 |
| Net operating income to assets | 0.7564% | 3,510 |
| Return on assets (ROA) | 0.7564% | 3,627 |
| Pretax return on assets | 0.7780% | 4,246 |
| Return on Equity (ROE) | 7.5154% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.5154% | 1,031 |
| Net charge-offs to loans | 0.3125% | 877 |
| Credit loss provision to net charge-offs | 119.5876% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.3814% | 3,181 |
| Efficiency ratio | 80.3866% | 1,375 |
| Assets per employee ($millions) | 2.4820% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 5,354 |
| Loan loss allowance to noncurrent loans | 29.6248% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 1,254 |
| Noncurrent loans to loans | 2.3670% | 688 |
| Net loans and leases to total assets | 52.2611% | 4,584 |
| Net loans and leases to deposits | 58.5079% | 4,757 |
| Net loans and leases to core deposits | 64.0857% | 4,630 |
| Total domestic deposits to total assets | 89.3231% | 939 |
| Equity capital to assets | 10.4883% | 3,169 |
| Core capital (leverage) ratio | 9.8435% | 3,695 |
| Tier 1 risk-based capital ratio | 17.5454% | 1,993 |
| Total risk-based capital ratio | 18.1939% | 2,126 |
| Memoranda: | ||
| Average total assets | $64,649,000 | 5,033 |
| Average earning assets | $59,122,000 | 5,043 |
| Average equity | $6,506,600 | 5,187 |
| Average total loans | $31,043,000 | 5,159 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 1,954 |
| Cost of funding earning assets | 0.3689% | 3,343 |
| Net interest margin | 3.9974% | 1,660 |
| Noninterest income to average assets | 1.0883% | 956 |
| Noninterest expense to average assets | 3.8958% | 681 |
| Loan and lease loss provision to assets | 0.1858% | 1,174 |
| Net operating income to assets | 0.6411% | 4,120 |
| Return on assets (ROA) | 0.6411% | 4,242 |
| Pretax return on assets | 0.6799% | 4,667 |
| Return on Equity (ROE) | 6.4347% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.4347% | 1,944 |
| Net charge-offs to loans | 0.1393% | 1,598 |
| Credit loss provision to net charge-offs | 284.3750% | 1,085 |
| Earnings coverage of net charge-offs (x) | 13.2487% | 2,324 |
| Efficiency ratio | 81.8182% | 1,214 |
| Assets per employee ($millions) | 2.6077% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 4,970 |
| Loan loss allowance to noncurrent loans | 37.2576% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2783% | 1,512 |
| Noncurrent loans to loans | 2.3345% | 785 |
| Net loans and leases to total assets | 48.9878% | 4,896 |
| Net loans and leases to deposits | 57.3023% | 4,919 |
| Net loans and leases to core deposits | 63.2914% | 4,758 |
| Total domestic deposits to total assets | 85.4901% | 2,608 |
| Equity capital to assets | 10.8588% | 3,190 |
| Core capital (leverage) ratio | 9.3934% | 4,335 |
| Tier 1 risk-based capital ratio | 17.7714% | 1,985 |
| Total risk-based capital ratio | 18.5652% | 2,086 |
| Memoranda: | ||
| Average total assets | $65,298,750 | 5,065 |
| Average earning assets | $60,004,750 | 5,065 |
| Average equity | $6,506,250 | 5,239 |
| Average total loans | $30,639,500 | 5,220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,237 |
| Cost of funding earning assets | 0.3732% | 3,324 |
| Net interest margin | 3.9002% | 1,976 |
| Noninterest income to average assets | 1.0966% | 934 |
| Noninterest expense to average assets | 3.8306% | 740 |
| Loan and lease loss provision to assets | 0.2749% | 675 |
| Net operating income to assets | 0.5257% | 4,579 |
| Return on assets (ROA) | 0.5257% | 4,703 |
| Pretax return on assets | 0.5589% | 5,002 |
| Return on Equity (ROE) | 5.4293% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.4293% | 2,465 |
| Net charge-offs to loans | 0.3863% | 588 |
| Credit loss provision to net charge-offs | 154.2373% | 1,557 |
| Earnings coverage of net charge-offs (x) | 4.6780% | 2,958 |
| Efficiency ratio | 82.1244% | 1,252 |
| Assets per employee ($millions) | 2.5552% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7752% | 5,335 |
| Loan loss allowance to noncurrent loans | 44.4853% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9363% | 2,277 |
| Noncurrent loans to loans | 1.7425% | 1,202 |
| Net loans and leases to total assets | 46.6282% | 5,087 |
| Net loans and leases to deposits | 53.8796% | 5,142 |
| Net loans and leases to core deposits | 59.5483% | 4,998 |
| Total domestic deposits to total assets | 86.5415% | 2,143 |
| Equity capital to assets | 10.0762% | 4,131 |
| Core capital (leverage) ratio | 8.7562% | 5,102 |
| Tier 1 risk-based capital ratio | 17.4571% | 2,078 |
| Total risk-based capital ratio | 18.1753% | 2,200 |
| Memoranda: | ||
| Average total assets | $66,203,330 | 5,096 |
| Average earning assets | $60,560,330 | 5,096 |
| Average equity | $6,409,670 | 5,305 |
| Average total loans | $30,543,330 | 5,279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 2,714 |
| Cost of funding earning assets | 0.2260% | 4,941 |
| Net interest margin | 3.9077% | 1,913 |
| Noninterest income to average assets | 1.0774% | 929 |
| Noninterest expense to average assets | 3.9341% | 660 |
| Loan and lease loss provision to assets | 0.5508% | 212 |
| Net operating income to assets | 0.1453% | 5,618 |
| Return on assets (ROA) | 0.1453% | 5,672 |
| Pretax return on assets | 0.1513% | 5,692 |
| Return on Equity (ROE) | 1.5317% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.5317% | 4,656 |
| Net charge-offs to loans | 0.9800% | 196 |
| Credit loss provision to net charge-offs | 122.9730% | 1,421 |
| Earnings coverage of net charge-offs (x) | 1.5676% | 2,802 |
| Efficiency ratio | 84.8564% | 1,082 |
| Assets per employee ($millions) | 2.8423% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 5,512 |
| Loan loss allowance to noncurrent loans | 67.7612% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 3,246 |
| Noncurrent loans to loans | 1.0939% | 2,207 |
| Net loans and leases to total assets | 44.5598% | 5,216 |
| Net loans and leases to deposits | 50.9393% | 5,287 |
| Net loans and leases to core deposits | 54.8644% | 5,193 |
| Total domestic deposits to total assets | 87.4762% | 1,945 |
| Equity capital to assets | 9.2855% | 4,902 |
| Core capital (leverage) ratio | 8.6881% | 5,189 |
| Tier 1 risk-based capital ratio | 16.7338% | 2,385 |
| Total risk-based capital ratio | 17.3964% | 2,563 |
| Memoranda: | ||
| Average total assets | $66,088,000 | 5,149 |
| Average earning assets | $60,189,500 | 5,152 |
| Average equity | $6,267,500 | 5,370 |
| Average total loans | $30,205,500 | 5,331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 2,364 |
| Cost of funding earning assets | 0.3856% | 3,310 |
| Net interest margin | 3.8713% | 2,129 |
| Noninterest income to average assets | 1.1750% | 862 |
| Noninterest expense to average assets | 4.1781% | 551 |
| Loan and lease loss provision to assets | 1.0504% | 81 |
| Net operating income to assets | -0.4982% | 6,044 |
| Return on assets (ROA) | -0.4747% | 6,048 |
| Pretax return on assets | -0.5126% | 6,045 |
| Return on Equity (ROE) | -4.5699% | 6,040 |
| Retained earnings to average equity (ytd only) | -4.5699% | 5,897 |
| Net charge-offs to loans | 2.7452% | 40 |
| Credit loss provision to net charge-offs | 82.7329% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.4037% | 4,233 |
| Efficiency ratio | 89.0720% | 753 |
| Assets per employee ($millions) | 2.6628% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 5,627 |
| Loan loss allowance to noncurrent loans | 68.4039% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 3,275 |
| Noncurrent loans to loans | 1.0306% | 2,272 |
| Net loans and leases to total assets | 46.2836% | 5,137 |
| Net loans and leases to deposits | 53.2783% | 5,200 |
| Net loans and leases to core deposits | 60.3879% | 4,955 |
| Total domestic deposits to total assets | 86.8713% | 2,207 |
| Equity capital to assets | 9.6642% | 4,351 |
| Core capital (leverage) ratio | 9.0487% | 4,818 |
| Tier 1 risk-based capital ratio | 14.6412% | 3,359 |
| Total risk-based capital ratio | 15.1827% | 3,682 |
| Memoranda: | ||
| Average total assets | $63,402,000 | 5,234 |
| Average earning assets | $57,577,400 | 5,252 |
| Average equity | $6,586,600 | 5,327 |
| Average total loans | $29,323,400 | 5,388 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 2,602 |
| Cost of funding earning assets | 0.3353% | 3,916 |
| Net interest margin | 3.8564% | 2,166 |
| Noninterest income to average assets | 1.1863% | 863 |
| Noninterest expense to average assets | 4.3238% | 478 |
| Loan and lease loss provision to assets | 0.6195% | 143 |
| Net operating income to assets | -0.2213% | 6,054 |
| Return on assets (ROA) | -0.1875% | 6,056 |
| Pretax return on assets | -0.1854% | 6,045 |
| Return on Equity (ROE) | -1.7739% | 6,059 |
| Retained earnings to average equity (ytd only) | -1.7739% | 5,834 |
| Net charge-offs to loans | 1.9949% | 59 |
| Credit loss provision to net charge-offs | 67.2769% | 2,814 |
| Earnings coverage of net charge-offs (x) | 0.4348% | 3,950 |
| Efficiency ratio | 91.5254% | 596 |
| Assets per employee ($millions) | 2.3665% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,732 |
| Loan loss allowance to noncurrent loans | 16.6129% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.1421% | 914 |
| Noncurrent loans to loans | 4.2034% | 290 |
| Net loans and leases to total assets | 47.6101% | 5,111 |
| Net loans and leases to deposits | 55.4968% | 5,154 |
| Net loans and leases to core deposits | 63.3863% | 4,848 |
| Total domestic deposits to total assets | 85.7888% | 2,647 |
| Equity capital to assets | 10.6064% | 3,464 |
| Core capital (leverage) ratio | 9.3920% | 4,449 |
| Tier 1 risk-based capital ratio | 16.2543% | 2,691 |
| Total risk-based capital ratio | 16.8194% | 2,943 |
| Memoranda: | ||
| Average total assets | $63,276,000 | 5,303 |
| Average earning assets | $58,048,750 | 5,306 |
| Average equity | $6,689,250 | 5,370 |
| Average total loans | $29,207,250 | 5,455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 2,871 |
| Cost of funding earning assets | 0.3080% | 4,311 |
| Net interest margin | 3.7990% | 2,314 |
| Noninterest income to average assets | 1.1682% | 883 |
| Noninterest expense to average assets | 4.2312% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4108% | 5,106 |
| Return on assets (ROA) | 0.4604% | 5,033 |
| Pretax return on assets | 0.4635% | 5,317 |
| Return on Equity (ROE) | 4.3596% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.3596% | 3,241 |
| Net charge-offs to loans | 0.0687% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 2,153 |
| Efficiency ratio | 91.0991% | 681 |
| Assets per employee ($millions) | 2.3299% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 4,170 |
| Loan loss allowance to noncurrent loans | 41.8002% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 1,775 |
| Noncurrent loans to loans | 2.7096% | 794 |
| Net loans and leases to total assets | 47.0416% | 5,176 |
| Net loans and leases to deposits | 54.7605% | 5,208 |
| Net loans and leases to core deposits | 62.3304% | 4,923 |
| Total domestic deposits to total assets | 85.9044% | 2,740 |
| Equity capital to assets | 10.6699% | 3,251 |
| Core capital (leverage) ratio | 9.6832% | 4,024 |
| Tier 1 risk-based capital ratio | 21.6246% | 1,264 |
| Total risk-based capital ratio | 22.8140% | 1,254 |
| Memoranda: | ||
| Average total assets | $63,858,330 | 5,350 |
| Average earning assets | $58,436,670 | 5,352 |
| Average equity | $6,743,670 | 5,402 |
| Average total loans | $29,109,670 | 5,514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 3,048 |
| Cost of funding earning assets | 0.2398% | 5,131 |
| Net interest margin | 3.8098% | 2,197 |
| Noninterest income to average assets | 1.1565% | 855 |
| Noninterest expense to average assets | 4.1657% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4414% | 4,908 |
| Return on assets (ROA) | 0.4414% | 5,027 |
| Pretax return on assets | 0.4477% | 5,327 |
| Return on Equity (ROE) | 4.2015% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.2015% | 3,485 |
| Net charge-offs to loans | 0.0836% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,823 |
| Efficiency ratio | 90.2965% | 830 |
| Assets per employee ($millions) | 3.0929% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,972 |
| Loan loss allowance to noncurrent loans | 37.6509% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 1,875 |
| Noncurrent loans to loans | 3.1902% | 641 |
| Net loans and leases to total assets | 43.4380% | 5,390 |
| Net loans and leases to deposits | 50.4263% | 5,429 |
| Net loans and leases to core deposits | 57.7036% | 5,137 |
| Total domestic deposits to total assets | 86.1416% | 2,863 |
| Equity capital to assets | 10.5651% | 3,464 |
| Core capital (leverage) ratio | 10.1136% | 3,451 |
| Tier 1 risk-based capital ratio | 23.6918% | 1,025 |
| Total risk-based capital ratio | 23.6918% | 1,160 |
| Memoranda: | ||
| Average total assets | $64,334,500 | 5,386 |
| Average earning assets | $58,375,500 | 5,403 |
| Average equity | $6,759,500 | 5,448 |
| Average total loans | $28,699,000 | 5,568 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,506 |
| Cost of funding earning assets | 0.4458% | 3,214 |
| Net interest margin | 3.6092% | 3,380 |
| Noninterest income to average assets | 1.1929% | 848 |
| Noninterest expense to average assets | 4.0231% | 734 |
| Loan and lease loss provision to assets | 0.1819% | 1,415 |
| Net operating income to assets | 0.2463% | 5,667 |
| Return on assets (ROA) | 0.2576% | 5,699 |
| Pretax return on assets | 0.2447% | 5,798 |
| Return on Equity (ROE) | 2.4083% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.4967% | 5,550 |
| Net charge-offs to loans | 0.0314% | 4,200 |
| Credit loss provision to net charge-offs | 1,412.5000% | 199 |
| Earnings coverage of net charge-offs (x) | 32.2500% | 1,266 |
| Efficiency ratio | 90.6420% | 806 |
| Assets per employee ($millions) | 3.0342% | 5,651 |
| Cash dividends to net income (ytd only)* | 79.3750% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,937 |
| Loan loss allowance to noncurrent loans | 37.3262% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 1,854 |
| Noncurrent loans to loans | 3.2418% | 669 |
| Net loans and leases to total assets | 44.7166% | 5,423 |
| Net loans and leases to deposits | 51.9727% | 5,484 |
| Net loans and leases to core deposits | 58.1217% | 5,255 |
| Total domestic deposits to total assets | 86.0387% | 2,817 |
| Equity capital to assets | 10.4474% | 3,552 |
| Core capital (leverage) ratio | 9.9413% | 3,657 |
| Tier 1 risk-based capital ratio | 17.4150% | 2,348 |
| Total risk-based capital ratio | 18.4252% | 2,393 |
| Memoranda: | ||
| Average total assets | $62,116,600 | 5,499 |
| Average earning assets | $55,858,000 | 5,522 |
| Average equity | $6,643,600 | 5,492 |
| Average total loans | $25,459,600 | 5,763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,363 |
| Cost of funding earning assets | 0.4107% | 3,676 |
| Net interest margin | 3.6914% | 3,063 |
| Noninterest income to average assets | 1.1580% | 894 |
| Noninterest expense to average assets | 3.9405% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5316% | 4,754 |
| Return on assets (ROA) | 0.5466% | 4,763 |
| Pretax return on assets | 0.5530% | 5,177 |
| Return on Equity (ROE) | 5.0799% | 4,683 |
| Retained earnings to average equity (ytd only) | 5.0799% | 3,035 |
| Net charge-offs to loans | 0.0433% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 31.1143% | 1,338 |
| Efficiency ratio | 87.9884% | 1,003 |
| Assets per employee ($millions) | 2.7324% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 5,380 |
| Loan loss allowance to noncurrent loans | 44.3609% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 1,856 |
| Noncurrent loans to loans | 2.1688% | 1,412 |
| Net loans and leases to total assets | 42.3388% | 5,645 |
| Net loans and leases to deposits | 50.2752% | 5,634 |
| Net loans and leases to core deposits | 61.0555% | 5,116 |
| Total domestic deposits to total assets | 84.2140% | 3,678 |
| Equity capital to assets | 11.9502% | 2,102 |
| Core capital (leverage) ratio | 10.7753% | 2,721 |
| Tier 1 risk-based capital ratio | 21.8585% | 1,285 |
| Total risk-based capital ratio | 22.6857% | 1,335 |
| Memoranda: | ||
| Average total assets | $61,716,000 | 5,571 |
| Average earning assets | $55,514,500 | 5,597 |
| Average equity | $6,640,250 | 5,546 |
| Average total loans | $24,614,000 | 5,856 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,561 |
| Cost of funding earning assets | 0.4047% | 3,823 |
| Net interest margin | 3.6419% | 3,180 |
| Noninterest income to average assets | 1.1146% | 957 |
| Noninterest expense to average assets | 3.7555% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5987% | 4,360 |
| Return on assets (ROA) | 0.6080% | 4,415 |
| Pretax return on assets | 0.6175% | 4,902 |
| Return on Equity (ROE) | 5.8465% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.8465% | 2,418 |
| Net charge-offs to loans | -0.0893% | 6,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0668% | 1,265 |
| Assets per employee ($millions) | 2.8308% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,205 |
| Loan loss allowance to noncurrent loans | 50.5952% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 2,133 |
| Noncurrent loans to loans | 2.0378% | 1,653 |
| Net loans and leases to total assets | 41.1752% | 5,734 |
| Net loans and leases to deposits | 48.4885% | 5,745 |
| Net loans and leases to core deposits | 49.6279% | 5,813 |
| Total domestic deposits to total assets | 84.9174% | 3,556 |
| Equity capital to assets | 11.4558% | 2,462 |
| Core capital (leverage) ratio | 9.8955% | 3,748 |
| Tier 1 risk-based capital ratio | 21.8213% | 1,286 |
| Total risk-based capital ratio | 22.7225% | 1,326 |
| Memoranda: | ||
| Average total assets | $63,161,330 | 5,582 |
| Average earning assets | $56,344,330 | 5,606 |
| Average equity | $6,568,000 | 5,590 |
| Average total loans | $24,642,000 | 5,900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,555 |
| Cost of funding earning assets | 0.3983% | 3,989 |
| Net interest margin | 3.6336% | 3,128 |
| Noninterest income to average assets | 1.1627% | 822 |
| Noninterest expense to average assets | 3.6666% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6767% | 3,808 |
| Return on assets (ROA) | 0.6767% | 3,887 |
| Pretax return on assets | 0.6952% | 4,506 |
| Return on Equity (ROE) | 6.8249% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.8249% | 2,133 |
| Net charge-offs to loans | -0.0976% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0621% | 1,665 |
| Assets per employee ($millions) | 3.2398% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,500 |
| Loan loss allowance to noncurrent loans | 59.8086% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2995% | 2,695 |
| Noncurrent loans to loans | 1.6817% | 2,308 |
| Net loans and leases to total assets | 37.9752% | 5,945 |
| Net loans and leases to deposits | 43.8860% | 5,980 |
| Net loans and leases to core deposits | 44.8131% | 6,043 |
| Total domestic deposits to total assets | 86.5314% | 3,090 |
| Equity capital to assets | 10.1798% | 3,620 |
| Core capital (leverage) ratio | 9.5656% | 4,184 |
| Tier 1 risk-based capital ratio | 21.3962% | 1,397 |
| Total risk-based capital ratio | 22.2741% | 1,449 |
| Memoranda: | ||
| Average total assets | $65,019,000 | 5,592 |
| Average earning assets | $57,243,000 | 5,634 |
| Average equity | $6,447,000 | 5,650 |
| Average total loans | $24,597,000 | 5,958 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 3,072 |
| Cost of funding earning assets | 0.5287% | 3,298 |
| Net interest margin | 3.7402% | 2,895 |
| Noninterest income to average assets | 1.4270% | 686 |
| Noninterest expense to average assets | 3.8114% | 1,114 |
| Loan and lease loss provision to assets | 0.0201% | 4,740 |
| Net operating income to assets | 0.9057% | 2,749 |
| Return on assets (ROA) | 0.9073% | 2,828 |
| Pretax return on assets | 0.9541% | 3,542 |
| Return on Equity (ROE) | 8.3750% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.2157% | 1,837 |
| Net charge-offs to loans | 0.1797% | 3,025 |
| Credit loss provision to net charge-offs | 26.6667% | 4,322 |
| Earnings coverage of net charge-offs (x) | 12.9333% | 2,081 |
| Efficiency ratio | 79.6717% | 2,208 |
| Assets per employee ($millions) | 3.2622% | 5,360 |
| Cash dividends to net income (ytd only)* | 25.7827% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,550 |
| Loan loss allowance to noncurrent loans | 67.9666% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 2,911 |
| Noncurrent loans to loans | 1.4751% | 2,681 |
| Net loans and leases to total assets | 36.9296% | 6,163 |
| Net loans and leases to deposits | 42.4571% | 6,202 |
| Net loans and leases to core deposits | 44.0733% | 6,220 |
| Total domestic deposits to total assets | 86.9810% | 2,734 |
| Equity capital to assets | 9.6531% | 4,216 |
| Core capital (leverage) ratio | 10.1376% | 3,381 |
| Tier 1 risk-based capital ratio | 21.3946% | 1,356 |
| Total risk-based capital ratio | 22.2671% | 1,396 |
| Memoranda: | ||
| Average total assets | $59,846,000 | 5,758 |
| Average earning assets | $53,714,400 | 5,775 |
| Average equity | $6,483,600 | 5,699 |
| Average total loans | $25,048,400 | 5,984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,966 |
| Cost of funding earning assets | 0.4940% | 3,831 |
| Net interest margin | 3.8112% | 2,603 |
| Noninterest income to average assets | 1.4268% | 725 |
| Noninterest expense to average assets | 3.9591% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8822% | 2,925 |
| Return on assets (ROA) | 0.8844% | 3,027 |
| Pretax return on assets | 0.9163% | 3,807 |
| Return on Equity (ROE) | 7.9222% | 3,160 |
| Retained earnings to average equity (ytd only) | 6.9014% | 1,926 |
| Net charge-offs to loans | 0.0423% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 50.1078% | 865 |
| Efficiency ratio | 81.2442% | 1,942 |
| Assets per employee ($millions) | 2.9724% | 5,893 |
| Cash dividends to net income (ytd only)* | 12.8876% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,386 |
| Loan loss allowance to noncurrent loans | 55.9252% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7141% | 2,395 |
| Noncurrent loans to loans | 1.9400% | 2,314 |
| Net loans and leases to total assets | 41.2545% | 5,954 |
| Net loans and leases to deposits | 48.2681% | 5,944 |
| Net loans and leases to core deposits | 50.2623% | 5,998 |
| Total domestic deposits to total assets | 85.4697% | 3,510 |
| Equity capital to assets | 10.7573% | 3,004 |
| Core capital (leverage) ratio | 10.0833% | 3,554 |
| Tier 1 risk-based capital ratio | 21.4007% | 1,419 |
| Total risk-based capital ratio | 22.3733% | 1,447 |
| Memoranda: | ||
| Average total assets | $58,496,750 | 5,858 |
| Average earning assets | $52,896,000 | 5,869 |
| Average equity | $6,530,000 | 5,758 |
| Average total loans | $25,226,000 | 6,025 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,972 |
| Cost of funding earning assets | 0.4731% | 4,168 |
| Net interest margin | 3.8229% | 2,468 |
| Noninterest income to average assets | 1.4163% | 785 |
| Noninterest expense to average assets | 3.8880% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9522% | 2,561 |
| Return on assets (ROA) | 0.9522% | 2,706 |
| Pretax return on assets | 1.0003% | 3,509 |
| Return on Equity (ROE) | 8.4259% | 2,889 |
| Retained earnings to average equity (ytd only) | 8.4259% | 1,324 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5359% | 2,220 |
| Assets per employee ($millions) | 2.8247% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,382 |
| Loan loss allowance to noncurrent loans | 69.9495% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 2,746 |
| Noncurrent loans to loans | 1.5927% | 2,923 |
| Net loans and leases to total assets | 41.4495% | 5,937 |
| Net loans and leases to deposits | 48.4999% | 5,949 |
| Net loans and leases to core deposits | 51.1505% | 5,950 |
| Total domestic deposits to total assets | 85.4631% | 3,663 |
| Equity capital to assets | 10.8433% | 2,905 |
| Core capital (leverage) ratio | 10.0800% | 3,401 |
| Tier 1 risk-based capital ratio | 21.2403% | 1,437 |
| Total risk-based capital ratio | 22.2448% | 1,471 |
| Memoranda: | ||
| Average total assets | $58,179,670 | 5,906 |
| Average earning assets | $52,839,670 | 5,906 |
| Average equity | $6,575,000 | 5,785 |
| Average total loans | $25,370,000 | 6,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,698 |
| Cost of funding earning assets | 0.4295% | 4,812 |
| Net interest margin | 3.9189% | 2,055 |
| Noninterest income to average assets | 1.4164% | 759 |
| Noninterest expense to average assets | 4.2978% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5902% | 4,266 |
| Return on assets (ROA) | 0.5902% | 4,416 |
| Pretax return on assets | 0.6665% | 4,717 |
| Return on Equity (ROE) | 5.1155% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.1155% | 3,161 |
| Net charge-offs to loans | 0.0468% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 931 |
| Efficiency ratio | 86.5734% | 1,450 |
| Assets per employee ($millions) | 2.9339% | 6,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,720 |
| Loan loss allowance to noncurrent loans | 41.6413% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 1.9514% | 2,407 |
| Noncurrent loans to loans | 2.5658% | 2,014 |
| Net loans and leases to total assets | 43.2384% | 5,737 |
| Net loans and leases to deposits | 50.9223% | 5,717 |
| Net loans and leases to core deposits | 53.7783% | 5,687 |
| Total domestic deposits to total assets | 84.9106% | 4,086 |
| Equity capital to assets | 11.3912% | 2,533 |
| Core capital (leverage) ratio | 9.8335% | 3,617 |
| Tier 1 risk-based capital ratio | 20.9125% | 1,558 |
| Total risk-based capital ratio | 21.9240% | 1,586 |
| Memoranda: | ||
| Average total assets | $57,610,500 | 5,975 |
| Average earning assets | $52,158,000 | 5,978 |
| Average equity | $6,646,500 | 5,831 |
| Average total loans | $25,623,000 | 6,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 3,689 |
| Cost of funding earning assets | 0.7409% | 3,151 |
| Net interest margin | 3.6927% | 3,678 |
| Noninterest income to average assets | 1.4671% | 724 |
| Noninterest expense to average assets | 4.0399% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7371% | 3,569 |
| Return on assets (ROA) | 0.7706% | 3,661 |
| Pretax return on assets | 0.7741% | 4,392 |
| Return on Equity (ROE) | 6.9635% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.9635% | 1,585 |
| Net charge-offs to loans | 0.0962% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,553 |
| Efficiency ratio | 84.5076% | 1,573 |
| Assets per employee ($millions) | 2.8272% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 5,622 |
| Loan loss allowance to noncurrent loans | 61.9687% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 2,910 |
| Noncurrent loans to loans | 1.7460% | 2,994 |
| Net loans and leases to total assets | 44.7864% | 5,751 |
| Net loans and leases to deposits | 53.6457% | 5,680 |
| Net loans and leases to core deposits | 56.5116% | 5,676 |
| Total domestic deposits to total assets | 83.4854% | 4,544 |
| Equity capital to assets | 11.6882% | 2,281 |
| Core capital (leverage) ratio | 10.0412% | 3,347 |
| Tier 1 risk-based capital ratio | 21.0059% | 1,461 |
| Total risk-based capital ratio | 22.0486% | 1,472 |
| Memoranda: | ||
| Average total assets | $56,709,400 | 6,005 |
| Average earning assets | $50,884,600 | 6,016 |
| Average equity | $6,275,600 | 5,944 |
| Average total loans | $25,975,200 | 6,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 3,835 |
| Cost of funding earning assets | 0.7346% | 3,482 |
| Net interest margin | 3.7146% | 3,730 |
| Noninterest income to average assets | 1.3885% | 775 |
| Noninterest expense to average assets | 3.9893% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7095% | 3,876 |
| Return on assets (ROA) | 0.7095% | 4,111 |
| Pretax return on assets | 0.7377% | 4,712 |
| Return on Equity (ROE) | 6.5026% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.5026% | 2,379 |
| Net charge-offs to loans | -0.0460% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3936% | 1,545 |
| Assets per employee ($millions) | 2.9085% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,375 |
| Loan loss allowance to noncurrent loans | 80.7792% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 2,956 |
| Noncurrent loans to loans | 1.4599% | 3,607 |
| Net loans and leases to total assets | 47.1572% | 5,644 |
| Net loans and leases to deposits | 56.6349% | 5,574 |
| Net loans and leases to core deposits | 59.7405% | 5,583 |
| Total domestic deposits to total assets | 83.2652% | 4,535 |
| Equity capital to assets | 11.8020% | 2,434 |
| Core capital (leverage) ratio | 9.5650% | 4,170 |
| Tier 1 risk-based capital ratio | 20.0744% | 1,733 |
| Total risk-based capital ratio | 21.2202% | 1,742 |
| Memoranda: | ||
| Average total assets | $56,750,750 | 6,073 |
| Average earning assets | $51,004,500 | 6,086 |
| Average equity | $6,192,250 | 6,037 |
| Average total loans | $26,068,750 | 6,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 4,290 |
| Cost of funding earning assets | 0.8166% | 3,066 |
| Net interest margin | 3.5571% | 4,431 |
| Noninterest income to average assets | 1.3206% | 814 |
| Noninterest expense to average assets | 3.6683% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7756% | 3,484 |
| Return on assets (ROA) | 0.7756% | 3,754 |
| Pretax return on assets | 0.8175% | 4,411 |
| Return on Equity (ROE) | 7.2998% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.2998% | 1,954 |
| Net charge-offs to loans | -0.0154% | 6,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7757% | 1,913 |
| Assets per employee ($millions) | 2.8317% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,368 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7710% | 3,077 |
| Noncurrent loans to loans | 1.6455% | 3,436 |
| Net loans and leases to total assets | 44.3179% | 5,988 |
| Net loans and leases to deposits | 53.8120% | 5,887 |
| Net loans and leases to core deposits | 56.7171% | 5,885 |
| Total domestic deposits to total assets | 82.3569% | 4,995 |
| Equity capital to assets | 11.1435% | 2,971 |
| Core capital (leverage) ratio | 9.4685% | 4,180 |
| Tier 1 risk-based capital ratio | 19.8052% | 1,755 |
| Total risk-based capital ratio | 20.9266% | 1,759 |
| Memoranda: | ||
| Average total assets | $57,247,000 | 6,100 |
| Average earning assets | $50,940,670 | 6,120 |
| Average equity | $6,082,330 | 6,097 |
| Average total loans | $25,968,000 | 6,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 3,875 |
| Cost of funding earning assets | 0.6677% | 4,557 |
| Net interest margin | 3.8415% | 3,179 |
| Noninterest income to average assets | 1.2302% | 939 |
| Noninterest expense to average assets | 3.2596% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9244% | 2,816 |
| Return on assets (ROA) | 0.9244% | 3,022 |
| Pretax return on assets | 1.3692% | 2,291 |
| Return on Equity (ROE) | 8.9142% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.9142% | 1,619 |
| Net charge-offs to loans | -0.0914% | 6,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4204% | 3,738 |
| Assets per employee ($millions) | 2.7098% | 6,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,626 |
| Loan loss allowance to noncurrent loans | 70.9677% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5060% | 3,598 |
| Noncurrent loans to loans | 1.6526% | 3,621 |
| Net loans and leases to total assets | 45.6085% | 5,832 |
| Net loans and leases to deposits | 55.0234% | 5,703 |
| Net loans and leases to core deposits | 57.3164% | 5,781 |
| Total domestic deposits to total assets | 82.8893% | 4,978 |
| Equity capital to assets | 10.6966% | 3,274 |
| Core capital (leverage) ratio | 9.3093% | 4,345 |
| Tier 1 risk-based capital ratio | 19.3337% | 1,890 |
| Total risk-based capital ratio | 20.4613% | 1,895 |
| Memoranda: | ||
| Average total assets | $57,553,500 | 6,126 |
| Average earning assets | $50,918,000 | 6,159 |
| Average equity | $5,968,000 | 6,153 |
| Average total loans | $26,250,500 | 6,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 4,060 |
| Cost of funding earning assets | 0.8571% | 4,420 |
| Net interest margin | 3.8869% | 3,393 |
| Noninterest income to average assets | 1.2586% | 817 |
| Noninterest expense to average assets | 4.2290% | 789 |
| Loan and lease loss provision to assets | 0.1626% | 4,597 |
| Net operating income to assets | 0.4256% | 4,754 |
| Return on assets (ROA) | 0.5005% | 4,631 |
| Pretax return on assets | 0.4713% | 5,071 |
| Return on Equity (ROE) | 5.0168% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.0168% | 2,632 |
| Net charge-offs to loans | 0.5943% | 2,666 |
| Credit loss provision to net charge-offs | 58.5526% | 5,205 |
| Earnings coverage of net charge-offs (x) | 2.0132% | 4,270 |
| Efficiency ratio | 88.3251% | 1,335 |
| Assets per employee ($millions) | 2.7715% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,621 |
| Loan loss allowance to noncurrent loans | 138.5321% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1014% | 4,415 |
| Noncurrent loans to loans | 0.8308% | 5,026 |
| Net loans and leases to total assets | 44.5645% | 6,151 |
| Net loans and leases to deposits | 53.8939% | 6,081 |
| Net loans and leases to core deposits | 57.0132% | 6,076 |
| Total domestic deposits to total assets | 82.6893% | 4,886 |
| Equity capital to assets | 10.0497% | 4,110 |
| Core capital (leverage) ratio | 9.5026% | 4,021 |
| Tier 1 risk-based capital ratio | 19.2931% | 1,820 |
| Total risk-based capital ratio | 20.4251% | 1,813 |
| Memoranda: | ||
| Average total assets | $54,741,400 | 6,206 |
| Average earning assets | $49,705,200 | 6,204 |
| Average equity | $5,461,600 | 6,302 |
| Average total loans | $25,574,600 | 6,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 4,469 |
| Cost of funding earning assets | 0.8094% | 5,088 |
| Net interest margin | 3.8909% | 3,423 |
| Noninterest income to average assets | 1.2027% | 911 |
| Noninterest expense to average assets | 4.2689% | 739 |
| Loan and lease loss provision to assets | 0.2178% | 3,836 |
| Net operating income to assets | 0.2783% | 5,476 |
| Return on assets (ROA) | 0.3737% | 5,297 |
| Pretax return on assets | 0.3984% | 5,480 |
| Return on Equity (ROE) | 3.7528% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.7528% | 4,077 |
| Net charge-offs to loans | 0.7346% | 2,091 |
| Credit loss provision to net charge-offs | 62.8571% | 4,709 |
| Earnings coverage of net charge-offs (x) | 1.4857% | 4,522 |
| Efficiency ratio | 89.2395% | 1,220 |
| Assets per employee ($millions) | 2.4364% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 5,396 |
| Loan loss allowance to noncurrent loans | 55.8929% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6493% | 3,615 |
| Noncurrent loans to loans | 2.1809% | 3,139 |
| Net loans and leases to total assets | 47.3209% | 6,025 |
| Net loans and leases to deposits | 58.2130% | 5,824 |
| Net loans and leases to core deposits | 62.3531% | 5,788 |
| Total domestic deposits to total assets | 81.2892% | 5,342 |
| Equity capital to assets | 10.8302% | 3,321 |
| Core capital (leverage) ratio | 9.4756% | 4,184 |
| Tier 1 risk-based capital ratio | 19.1239% | 1,888 |
| Total risk-based capital ratio | 20.3151% | 1,886 |
| Memoranda: | ||
| Average total assets | $53,876,500 | 6,285 |
| Average earning assets | $49,584,250 | 6,261 |
| Average equity | $5,364,750 | 6,380 |
| Average total loans | $25,408,500 | 6,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 4,515 |
| Cost of funding earning assets | 0.7820% | 5,498 |
| Net interest margin | 3.9221% | 3,208 |
| Noninterest income to average assets | 1.2155% | 859 |
| Noninterest expense to average assets | 4.2395% | 797 |
| Loan and lease loss provision to assets | 0.3224% | 2,855 |
| Net operating income to assets | 0.2360% | 5,609 |
| Return on assets (ROA) | 0.3743% | 5,204 |
| Pretax return on assets | 0.4113% | 5,361 |
| Return on Equity (ROE) | 3.8712% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.8712% | 3,733 |
| Net charge-offs to loans | 1.1928% | 1,312 |
| Credit loss provision to net charge-offs | 57.6159% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.0397% | 4,509 |
| Efficiency ratio | 87.9324% | 1,422 |
| Assets per employee ($millions) | 2.5765% | 6,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,535 |
| Loan loss allowance to noncurrent loans | 62.9707% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 3,983 |
| Noncurrent loans to loans | 1.9092% | 3,595 |
| Net loans and leases to total assets | 45.7168% | 6,298 |
| Net loans and leases to deposits | 55.7431% | 6,157 |
| Net loans and leases to core deposits | 59.3773% | 6,149 |
| Total domestic deposits to total assets | 82.0134% | 5,163 |
| Equity capital to assets | 10.2778% | 3,785 |
| Core capital (leverage) ratio | 9.5400% | 3,892 |
| Tier 1 risk-based capital ratio | 18.8690% | 1,884 |
| Total risk-based capital ratio | 20.0106% | 1,885 |
| Memoranda: | ||
| Average total assets | $53,968,670 | 6,332 |
| Average earning assets | $49,616,670 | 6,309 |
| Average equity | $5,218,000 | 6,460 |
| Average total loans | $25,319,000 | 6,524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 4,841 |
| Cost of funding earning assets | 0.7211% | 6,022 |
| Net interest margin | 3.9054% | 3,110 |
| Noninterest income to average assets | 1.1503% | 982 |
| Noninterest expense to average assets | 4.1336% | 884 |
| Loan and lease loss provision to assets | 0.0816% | 4,987 |
| Net operating income to assets | 0.4750% | 4,596 |
| Return on assets (ROA) | 0.4750% | 4,677 |
| Pretax return on assets | 0.5121% | 4,988 |
| Return on Equity (ROE) | 5.0728% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.0728% | 3,143 |
| Net charge-offs to loans | -0.1257% | 7,149 |
| Credit loss provision to net charge-offs | -137.5000% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4411% | 1,576 |
| Assets per employee ($millions) | 2.7774% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,985 |
| Loan loss allowance to noncurrent loans | 42.7617% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0466% | 3,264 |
| Noncurrent loans to loans | 3.6134% | 2,053 |
| Net loans and leases to total assets | 46.3673% | 6,252 |
| Net loans and leases to deposits | 56.2677% | 6,105 |
| Net loans and leases to core deposits | 58.5303% | 6,209 |
| Total domestic deposits to total assets | 82.4048% | 5,143 |
| Equity capital to assets | 9.7518% | 4,106 |
| Core capital (leverage) ratio | 9.2158% | 4,263 |
| Tier 1 risk-based capital ratio | 18.5458% | 1,947 |
| Total risk-based capital ratio | 19.7964% | 1,901 |
| Memoranda: | ||
| Average total assets | $53,899,500 | 6,376 |
| Average earning assets | $49,367,500 | 6,364 |
| Average equity | $5,046,500 | 6,544 |
| Average total loans | $25,460,000 | 6,562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 5,913 |
| Cost of funding earning assets | 1.0389% | 5,491 |
| Net interest margin | 3.6247% | 4,705 |
| Noninterest income to average assets | 1.5965% | 570 |
| Noninterest expense to average assets | 4.3874% | 731 |
| Loan and lease loss provision to assets | 0.3733% | 3,886 |
| Net operating income to assets | 0.1551% | 5,422 |
| Return on assets (ROA) | 0.0345% | 5,878 |
| Pretax return on assets | 0.0345% | 5,826 |
| Return on Equity (ROE) | 0.3441% | 5,872 |
| Retained earnings to average equity (ytd only) | 0.3441% | 5,408 |
| Net charge-offs to loans | 0.6495% | 3,063 |
| Credit loss provision to net charge-offs | 121.8750% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.7250% | 4,427 |
| Efficiency ratio | 89.2523% | 1,382 |
| Assets per employee ($millions) | 2.7515% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,502 |
| Loan loss allowance to noncurrent loans | 37.8631% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.1043% | 3,210 |
| Noncurrent loans to loans | 3.6980% | 2,009 |
| Net loans and leases to total assets | 46.7081% | 6,495 |
| Net loans and leases to deposits | 56.6845% | 6,380 |
| Net loans and leases to core deposits | 59.5418% | 6,430 |
| Total domestic deposits to total assets | 82.4002% | 5,060 |
| Equity capital to assets | 8.9898% | 5,156 |
| Core capital (leverage) ratio | 9.3067% | 4,001 |
| Tier 1 risk-based capital ratio | 17.8287% | 2,052 |
| Total risk-based capital ratio | 19.0797% | 2,014 |
| Memoranda: | ||
| Average total assets | $52,240,600 | 6,455 |
| Average earning assets | $47,839,000 | 6,439 |
| Average equity | $5,230,800 | 6,582 |
| Average total loans | $24,632,600 | 6,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 5,959 |
| Cost of funding earning assets | 1.0962% | 5,441 |
| Net interest margin | 3.6202% | 4,786 |
| Noninterest income to average assets | 1.7047% | 489 |
| Noninterest expense to average assets | 4.3535% | 706 |
| Loan and lease loss provision to assets | 0.3803% | 3,609 |
| Net operating income to assets | 0.2517% | 5,346 |
| Return on assets (ROA) | 0.1164% | 5,890 |
| Pretax return on assets | 0.1397% | 5,851 |
| Return on Equity (ROE) | 1.1317% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.1317% | 5,367 |
| Net charge-offs to loans | 0.8789% | 2,249 |
| Credit loss provision to net charge-offs | 91.8750% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.6500% | 4,470 |
| Efficiency ratio | 86.4407% | 1,586 |
| Assets per employee ($millions) | 2.7422% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,346 |
| Loan loss allowance to noncurrent loans | 54.1880% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 4,476 |
| Noncurrent loans to loans | 2.2695% | 3,365 |
| Net loans and leases to total assets | 48.8657% | 6,446 |
| Net loans and leases to deposits | 62.0627% | 6,110 |
| Net loans and leases to core deposits | 63.4580% | 6,339 |
| Total domestic deposits to total assets | 78.7359% | 6,083 |
| Equity capital to assets | 10.2894% | 3,784 |
| Core capital (leverage) ratio | 9.2771% | 4,239 |
| Tier 1 risk-based capital ratio | 17.3407% | 2,230 |
| Total risk-based capital ratio | 18.4623% | 2,237 |
| Memoranda: | ||
| Average total assets | $51,543,500 | 6,556 |
| Average earning assets | $47,436,500 | 6,534 |
| Average equity | $5,301,750 | 6,646 |
| Average total loans | $24,273,750 | 6,801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 6,020 |
| Cost of funding earning assets | 1.0674% | 5,833 |
| Net interest margin | 3.6695% | 4,507 |
| Noninterest income to average assets | 1.9394% | 368 |
| Noninterest expense to average assets | 4.3110% | 718 |
| Loan and lease loss provision to assets | 0.1830% | 5,039 |
| Net operating income to assets | 0.7266% | 3,291 |
| Return on assets (ROA) | 0.4985% | 4,487 |
| Pretax return on assets | 0.5335% | 4,798 |
| Return on Equity (ROE) | 4.8466% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.8466% | 2,985 |
| Net charge-offs to loans | 0.9759% | 1,895 |
| Credit loss provision to net charge-offs | 40.5172% | 5,606 |
| Earnings coverage of net charge-offs (x) | 2.1293% | 3,953 |
| Efficiency ratio | 81.7578% | 2,205 |
| Assets per employee ($millions) | 2.6772% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 6,113 |
| Loan loss allowance to noncurrent loans | 29.4915% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 3,665 |
| Noncurrent loans to loans | 3.6071% | 2,184 |
| Net loans and leases to total assets | 45.3355% | 6,820 |
| Net loans and leases to deposits | 57.3176% | 6,629 |
| Net loans and leases to core deposits | 58.5593% | 6,794 |
| Total domestic deposits to total assets | 79.0953% | 6,009 |
| Equity capital to assets | 10.0779% | 3,914 |
| Core capital (leverage) ratio | 9.7334% | 3,491 |
| Tier 1 risk-based capital ratio | 19.1236% | 1,694 |
| Total risk-based capital ratio | 20.1251% | 1,720 |
| Memoranda: | ||
| Average total assets | $51,357,330 | 6,604 |
| Average earning assets | $46,654,670 | 6,604 |
| Average equity | $5,282,000 | 6,688 |
| Average total loans | $23,772,670 | 6,878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8097% | 5,861 |
| Cost of funding earning assets | 1.1059% | 5,876 |
| Net interest margin | 3.7038% | 4,224 |
| Noninterest income to average assets | 2.0691% | 328 |
| Noninterest expense to average assets | 4.2814% | 736 |
| Loan and lease loss provision to assets | 0.1830% | 4,683 |
| Net operating income to assets | 0.9231% | 2,459 |
| Return on assets (ROA) | 0.9231% | 2,525 |
| Pretax return on assets | 0.9629% | 3,225 |
| Return on Equity (ROE) | 8.8804% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.8804% | 1,431 |
| Net charge-offs to loans | -0.3420% | 7,761 |
| Credit loss provision to net charge-offs | -115.0000% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8856% | 2,744 |
| Assets per employee ($millions) | 2.6603% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,451 |
| Loan loss allowance to noncurrent loans | 44.4048% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 3,566 |
| Noncurrent loans to loans | 3.5987% | 2,215 |
| Net loans and leases to total assets | 45.4418% | 6,880 |
| Net loans and leases to deposits | 58.2157% | 6,609 |
| Net loans and leases to core deposits | 59.5654% | 6,779 |
| Total domestic deposits to total assets | 78.0576% | 6,306 |
| Equity capital to assets | 10.5567% | 3,190 |
| Core capital (leverage) ratio | 9.8561% | 3,332 |
| Tier 1 risk-based capital ratio | 19.0790% | 1,703 |
| Total risk-based capital ratio | 20.3300% | 1,671 |
| Memoranda: | ||
| Average total assets | $50,264,500 | 6,726 |
| Average earning assets | $45,574,500 | 6,724 |
| Average equity | $5,225,000 | 6,773 |
| Average total loans | $23,391,500 | 6,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2924% | 5,215 |
| Cost of funding earning assets | 1.2306% | 6,546 |
| Net interest margin | 4.0618% | 2,600 |
| Noninterest income to average assets | 2.0700% | 356 |
| Noninterest expense to average assets | 4.6847% | 660 |
| Loan and lease loss provision to assets | 1.0003% | 2,271 |
| Net operating income to assets | 0.0594% | 5,314 |
| Return on assets (ROA) | 0.0773% | 5,316 |
| Pretax return on assets | 0.0574% | 5,304 |
| Return on Equity (ROE) | 0.7917% | 5,292 |
| Retained earnings to average equity (ytd only) | 0.3857% | 4,692 |
| Net charge-offs to loans | 1.9413% | 1,279 |
| Credit loss provision to net charge-offs | 119.1038% | 4,513 |
| Earnings coverage of net charge-offs (x) | 1.2382% | 4,885 |
| Efficiency ratio | 81.8339% | 2,626 |
| Assets per employee ($millions) | 2.6307% | 6,981 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,196 |
| Loan loss allowance to noncurrent loans | 40.3423% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0007% | 3,401 |
| Noncurrent loans to loans | 3.4896% | 2,175 |
| Net loans and leases to total assets | 46.2377% | 6,949 |
| Net loans and leases to deposits | 59.1846% | 6,693 |
| Net loans and leases to core deposits | 63.0363% | 7,148 |
| Total domestic deposits to total assets | 78.1246% | 6,189 |
| Equity capital to assets | 10.2315% | 3,478 |
| Core capital (leverage) ratio | 9.8852% | 3,222 |
| Tier 1 risk-based capital ratio | 18.0671% | 1,877 |
| Total risk-based capital ratio | 19.2952% | 1,841 |
| Memoranda: | ||
| Average total assets | $50,483,400 | 6,688 |
| Average earning assets | $45,423,600 | 6,702 |
| Average equity | $4,926,400 | 6,970 |
| Average total loans | $21,840,800 | 7,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 5,169 |
| Cost of funding earning assets | 1.3305% | 6,468 |
| Net interest margin | 4.0209% | 2,720 |
| Noninterest income to average assets | 2.0418% | 353 |
| Noninterest expense to average assets | 4.4734% | 765 |
| Loan and lease loss provision to assets | 1.1987% | 1,620 |
| Net operating income to assets | -0.0474% | 5,797 |
| Return on assets (ROA) | -0.0474% | 5,845 |
| Pretax return on assets | -0.0158% | 5,732 |
| Return on Equity (ROE) | -0.4919% | 5,855 |
| Retained earnings to average equity (ytd only) | -1.0384% | 5,497 |
| Net charge-offs to loans | 2.8232% | 622 |
| Credit loss provision to net charge-offs | 100.2203% | 5,068 |
| Earnings coverage of net charge-offs (x) | 0.9890% | 5,065 |
| Efficiency ratio | 79.0871% | 2,982 |
| Assets per employee ($millions) | 2.5998% | 7,049 |
| Cash dividends to net income (ytd only)* | -111.1250% | 8,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,552 |
| Loan loss allowance to noncurrent loans | 59.1017% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 4,561 |
| Noncurrent loans to loans | 1.9070% | 3,768 |
| Net loans and leases to total assets | 44.3995% | 7,217 |
| Net loans and leases to deposits | 57.0284% | 7,027 |
| Net loans and leases to core deposits | 60.9612% | 7,365 |
| Total domestic deposits to total assets | 77.8549% | 6,127 |
| Equity capital to assets | 10.3852% | 3,637 |
| Core capital (leverage) ratio | 9.6603% | 3,704 |
| Tier 1 risk-based capital ratio | 19.0607% | 1,738 |
| Total risk-based capital ratio | 20.0540% | 1,754 |
| Memoranda: | ||
| Average total assets | $50,608,500 | 6,729 |
| Average earning assets | $45,494,000 | 6,758 |
| Average equity | $4,879,500 | 7,052 |
| Average total loans | $21,440,750 | 7,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 4,487 |
| Cost of funding earning assets | 1.3180% | 6,741 |
| Net interest margin | 4.2061% | 1,978 |
| Noninterest income to average assets | 2.0270% | 364 |
| Noninterest expense to average assets | 4.6028% | 694 |
| Loan and lease loss provision to assets | 1.6584% | 1,007 |
| Net operating income to assets | -0.5528% | 6,600 |
| Return on assets (ROA) | -0.5528% | 6,605 |
| Pretax return on assets | -0.5058% | 6,430 |
| Return on Equity (ROE) | -5.8799% | 6,696 |
| Retained earnings to average equity (ytd only) | -6.7139% | 6,527 |
| Net charge-offs to loans | 4.2749% | 312 |
| Credit loss provision to net charge-offs | 93.3775% | 4,819 |
| Earnings coverage of net charge-offs (x) | 0.6490% | 5,051 |
| Efficiency ratio | 79.9728% | 3,048 |
| Assets per employee ($millions) | 2.5352% | 7,184 |
| Cash dividends to net income (ytd only)* | -14.1844% | 7,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 6,080 |
| Loan loss allowance to noncurrent loans | 119.0217% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 5,275 |
| Noncurrent loans to loans | 0.8569% | 5,504 |
| Net loans and leases to total assets | 41.9158% | 7,451 |
| Net loans and leases to deposits | 52.9037% | 7,332 |
| Net loans and leases to core deposits | 56.4924% | 7,574 |
| Total domestic deposits to total assets | 79.2304% | 5,738 |
| Equity capital to assets | 9.1176% | 5,144 |
| Core capital (leverage) ratio | 9.2497% | 4,237 |
| Tier 1 risk-based capital ratio | 18.1829% | 1,962 |
| Total risk-based capital ratio | 19.0347% | 2,021 |
| Memoranda: | ||
| Average total assets | $51,012,330 | 6,786 |
| Average earning assets | $45,219,670 | 6,828 |
| Average equity | $4,796,000 | 7,138 |
| Average total loans | $21,193,670 | 7,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 5,038 |
| Cost of funding earning assets | 1.3778% | 6,789 |
| Net interest margin | 4.0978% | 2,279 |
| Noninterest income to average assets | 1.9700% | 376 |
| Noninterest expense to average assets | 4.0183% | 1,165 |
| Loan and lease loss provision to assets | 0.8521% | 1,529 |
| Net operating income to assets | 0.6254% | 3,910 |
| Return on assets (ROA) | 0.6254% | 4,092 |
| Pretax return on assets | 0.7036% | 4,426 |
| Return on Equity (ROE) | 6.5540% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.9155% | 3,175 |
| Net charge-offs to loans | 2.8307% | 463 |
| Credit loss provision to net charge-offs | 73.1544% | 4,299 |
| Earnings coverage of net charge-offs (x) | 1.3356% | 4,073 |
| Efficiency ratio | 72.0898% | 4,180 |
| Assets per employee ($millions) | 2.4330% | 7,405 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,264 |
| Loan loss allowance to noncurrent loans | 70.3704% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 4,778 |
| Noncurrent loans to loans | 1.4053% | 4,207 |
| Net loans and leases to total assets | 40.9539% | 7,523 |
| Net loans and leases to deposits | 52.0199% | 7,400 |
| Net loans and leases to core deposits | 56.7704% | 7,578 |
| Total domestic deposits to total assets | 78.7274% | 5,818 |
| Equity capital to assets | 9.8407% | 4,194 |
| Core capital (leverage) ratio | 9.6000% | 3,867 |
| Tier 1 risk-based capital ratio | 18.5335% | 1,920 |
| Total risk-based capital ratio | 19.3247% | 1,981 |
| Memoranda: | ||
| Average total assets | $51,166,500 | 6,812 |
| Average earning assets | $44,999,500 | 6,883 |
| Average equity | $4,882,500 | 7,158 |
| Average total loans | $21,054,500 | 7,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1720% | 4,657 |
| Cost of funding earning assets | 1.6241% | 7,394 |
| Net interest margin | 4.5479% | 1,316 |
| Noninterest income to average assets | 1.9786% | 350 |
| Noninterest expense to average assets | 4.7823% | 721 |
| Loan and lease loss provision to assets | 0.1862% | 5,031 |
| Net operating income to assets | 1.0717% | 2,249 |
| Return on assets (ROA) | 1.0794% | 2,143 |
| Pretax return on assets | 1.1175% | 2,968 |
| Return on Equity (ROE) | 11.5770% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.7443% | 1,245 |
| Net charge-offs to loans | 0.1813% | 4,376 |
| Credit loss provision to net charge-offs | 238.4615% | 1,981 |
| Earnings coverage of net charge-offs (x) | 16.5897% | 1,835 |
| Efficiency ratio | 78.6820% | 2,807 |
| Assets per employee ($millions) | 2.6968% | 6,793 |
| Cash dividends to net income (ytd only)* | 41.7440% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 4,644 |
| Loan loss allowance to noncurrent loans | 56.2077% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 3,727 |
| Noncurrent loans to loans | 2.1120% | 2,614 |
| Net loans and leases to total assets | 40.4497% | 7,651 |
| Net loans and leases to deposits | 51.4893% | 7,561 |
| Net loans and leases to core deposits | 55.2134% | 7,758 |
| Total domestic deposits to total assets | 78.5593% | 5,528 |
| Equity capital to assets | 9.2449% | 5,009 |
| Core capital (leverage) ratio | 9.7723% | 3,683 |
| Tier 1 risk-based capital ratio | 18.9239% | 1,830 |
| Total risk-based capital ratio | 19.8983% | 1,832 |
| Memoranda: | ||
| Average total assets | $49,933,800 | 6,778 |
| Average earning assets | $45,009,800 | 6,812 |
| Average equity | $4,655,800 | 7,272 |
| Average total loans | $21,512,200 | 7,226 |