Home > The Farmers Bank > Performance and Condition Ratios
The Farmers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2785% | 447 |
| Cost of funding earning assets | 1.8773% | 1,110 |
| Net interest margin | 4.4012% | 706 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.5169% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6441% | 3,323 |
| Return on assets (ROA) | 0.6441% | 3,304 |
| Pretax return on assets | 0.8824% | 3,008 |
| Return on Equity (ROE) | 5.6200% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.6182% | 2,376 |
| Net charge-offs to loans | 0.3565% | 305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3.0717% | 2,660 |
| Efficiency ratio | 79.9414% | 923 |
| Assets per employee ($millions) | 5.0051% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 602 |
| Loan loss allowance to noncurrent loans | 974.7748% | 917 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 298 |
| Noncurrent loans to loans | 0.1788% | 2,626 |
| Net loans and leases to total assets | 76.1700% | 1,093 |
| Net loans and leases to deposits | 87.1906% | 1,522 |
| Net loans and leases to core deposits | 129.3676% | 408 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 11.4895% | 1,289 |
| Core capital (leverage) ratio | 12.3269% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,625,800 | 4,037 |
| Average earning assets | $73,616,600 | 3,996 |
| Average equity | $8,899,600 | 3,832 |
| Average total loans | $62,544,200 | 3,670 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 395 |
| Cost of funding earning assets | 1.7313% | 522 |
| Net interest margin | 4.1084% | 1,086 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.5666% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4115% | 4,071 |
| Return on assets (ROA) | 0.4115% | 4,017 |
| Pretax return on assets | 0.5645% | 3,898 |
| Return on Equity (ROE) | 3.5800% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.5790% | 3,376 |
| Net charge-offs to loans | -0.1527% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.3346% | 496 |
| Assets per employee ($millions) | 4.7903% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 354 |
| Loan loss allowance to noncurrent loans | 96.1650% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 151 |
| Noncurrent loans to loans | 2.2208% | 232 |
| Net loans and leases to total assets | 79.4600% | 592 |
| Net loans and leases to deposits | 90.0077% | 1,046 |
| Net loans and leases to core deposits | 135.9853% | 218 |
| Total domestic deposits to total assets | 88.2800% | 1,826 |
| Equity capital to assets | 11.4321% | 1,177 |
| Core capital (leverage) ratio | 12.1680% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,813,500 | 4,149 |
| Average earning assets | $71,853,000 | 4,112 |
| Average equity | $8,717,500 | 3,923 |
| Average total loans | $62,871,000 | 3,717 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 168 |
| Cost of funding earning assets | 0.6068% | 877 |
| Net interest margin | 4.8175% | 175 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 3.4334% | 525 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9044% | 2,942 |
| Return on assets (ROA) | 0.9044% | 2,879 |
| Pretax return on assets | 1.2396% | 2,310 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 8.0985% | 1,790 |
| Net charge-offs to loans | -0.1520% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.0425% | 1,316 |
| Assets per employee ($millions) | 4.6864% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 392 |
| Loan loss allowance to noncurrent loans | 107.2309% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.6230% | 181 |
| Noncurrent loans to loans | 1.9162% | 296 |
| Net loans and leases to total assets | 82.9600% | 326 |
| Net loans and leases to deposits | 94.0279% | 780 |
| Net loans and leases to core deposits | 129.8332% | 224 |
| Total domestic deposits to total assets | 88.2300% | 2,004 |
| Equity capital to assets | 11.5666% | 1,065 |
| Core capital (leverage) ratio | 12.2604% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $76,075,600 | 4,168 |
| Average earning assets | $70,867,000 | 4,146 |
| Average equity | $8,495,400 | 4,049 |
| Average total loans | $63,835,000 | 3,673 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 151 |
| Cost of funding earning assets | 0.4896% | 789 |
| Net interest margin | 4.7764% | 152 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 3.4682% | 503 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8644% | 3,021 |
| Return on assets (ROA) | 0.8644% | 2,995 |
| Pretax return on assets | 1.1840% | 2,430 |
| Return on Equity (ROE) | 7.8100% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.8095% | 2,076 |
| Net charge-offs to loans | -0.1857% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.9665% | 1,277 |
| Assets per employee ($millions) | 4.8969% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 479 |
| Loan loss allowance to noncurrent loans | 106.3987% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 181 |
| Noncurrent loans to loans | 1.9107% | 319 |
| Net loans and leases to total assets | 85.0900% | 178 |
| Net loans and leases to deposits | 99.1245% | 404 |
| Net loans and leases to core deposits | 121.9536% | 228 |
| Total domestic deposits to total assets | 85.8400% | 3,101 |
| Equity capital to assets | 11.5555% | 982 |
| Core capital (leverage) ratio | 11.7187% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $76,348,750 | 4,194 |
| Average earning assets | $71,070,250 | 4,178 |
| Average equity | $8,451,000 | 4,101 |
| Average total loans | $63,915,750 | 3,693 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 128 |
| Cost of funding earning assets | 0.4698% | 624 |
| Net interest margin | 4.7568% | 139 |
| Noninterest income to average assets | 0.2302% | 3,809 |
| Noninterest expense to average assets | 3.3888% | 485 |
| Loan and lease loss provision to assets | 0.0543% | 1,604 |
| Net operating income to assets | 0.8873% | 2,636 |
| Return on assets (ROA) | 0.8873% | 2,609 |
| Pretax return on assets | 1.2132% | 2,033 |
| Return on Equity (ROE) | 8.1292% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.1292% | 1,570 |
| Net charge-offs to loans | -0.2033% | 4,594 |
| Credit loss provision to net charge-offs | -32.3077% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7778% | 1,658 |
| Assets per employee ($millions) | 5.1750% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9523% | 604 |
| Loan loss allowance to noncurrent loans | 117.4354% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 243 |
| Noncurrent loans to loans | 1.6624% | 426 |
| Net loans and leases to total assets | 82.3601% | 269 |
| Net loans and leases to deposits | 92.4956% | 583 |
| Net loans and leases to core deposits | 114.8122% | 266 |
| Total domestic deposits to total assets | 89.0422% | 2,165 |
| Equity capital to assets | 10.7929% | 1,314 |
| Core capital (leverage) ratio | 11.3967% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,313,667 | 4,231 |
| Average earning assets | $71,938,667 | 4,223 |
| Average equity | $8,438,667 | 4,157 |
| Average total loans | $63,955,333 | 3,727 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 93 |
| Cost of funding earning assets | 0.5253% | 437 |
| Net interest margin | 4.9682% | 98 |
| Noninterest income to average assets | 0.2229% | 3,822 |
| Noninterest expense to average assets | 3.3593% | 488 |
| Loan and lease loss provision to assets | 0.1089% | 765 |
| Net operating income to assets | 1.0783% | 1,592 |
| Return on assets (ROA) | 1.0783% | 1,588 |
| Pretax return on assets | 1.3634% | 1,349 |
| Return on Equity (ROE) | 9.8241% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.8241% | 1,067 |
| Net charge-offs to loans | -0.1895% | 4,589 |
| Credit loss provision to net charge-offs | -70.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5279% | 2,297 |
| Assets per employee ($millions) | 5.0551% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 704 |
| Loan loss allowance to noncurrent loans | 114.2989% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 236 |
| Noncurrent loans to loans | 1.6854% | 464 |
| Net loans and leases to total assets | 83.1865% | 114 |
| Net loans and leases to deposits | 94.6349% | 331 |
| Net loans and leases to core deposits | 118.4611% | 157 |
| Total domestic deposits to total assets | 87.9026% | 2,571 |
| Equity capital to assets | 11.1743% | 1,255 |
| Core capital (leverage) ratio | 11.1555% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,158,000 | 4,253 |
| Average earning assets | $71,574,500 | 4,249 |
| Average equity | $8,469,000 | 4,214 |
| Average total loans | $63,330,500 | 3,740 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 584 |
| Cost of funding earning assets | 0.8124% | 191 |
| Net interest margin | 3.7120% | 1,187 |
| Noninterest income to average assets | 0.2150% | 4,081 |
| Noninterest expense to average assets | 3.2927% | 639 |
| Loan and lease loss provision to assets | 0.0324% | 2,402 |
| Net operating income to assets | 0.3109% | 4,409 |
| Return on assets (ROA) | 0.3109% | 4,431 |
| Pretax return on assets | 0.3938% | 4,397 |
| Return on Equity (ROE) | 2.8573% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.8573% | 3,700 |
| Net charge-offs to loans | -0.0988% | 4,580 |
| Credit loss provision to net charge-offs | -43.8596% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5406% | 370 |
| Assets per employee ($millions) | 5.2327% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 721 |
| Loan loss allowance to noncurrent loans | 57.2876% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.7698% | 87 |
| Noncurrent loans to loans | 3.3234% | 155 |
| Net loans and leases to total assets | 77.9182% | 382 |
| Net loans and leases to deposits | 87.5512% | 675 |
| Net loans and leases to core deposits | 111.2065% | 265 |
| Total domestic deposits to total assets | 88.9973% | 1,518 |
| Equity capital to assets | 10.7848% | 1,944 |
| Core capital (leverage) ratio | 10.9168% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,200,000 | 4,255 |
| Average earning assets | $72,872,600 | 4,218 |
| Average equity | $8,399,600 | 4,301 |
| Average total loans | $57,715,800 | 3,854 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 715 |
| Cost of funding earning assets | 0.8898% | 159 |
| Net interest margin | 3.5758% | 1,660 |
| Noninterest income to average assets | 0.2099% | 4,147 |
| Noninterest expense to average assets | 3.2345% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3625% | 4,430 |
| Return on assets (ROA) | 0.3625% | 4,461 |
| Pretax return on assets | 0.3625% | 4,532 |
| Return on Equity (ROE) | 3.3240% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.3240% | 3,794 |
| Net charge-offs to loans | -0.2617% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9229% | 325 |
| Assets per employee ($millions) | 5.1864% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 543 |
| Loan loss allowance to noncurrent loans | 48.7766% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 3.3845% | 61 |
| Noncurrent loans to loans | 4.2893% | 108 |
| Net loans and leases to total assets | 73.1477% | 760 |
| Net loans and leases to deposits | 82.3031% | 1,095 |
| Net loans and leases to core deposits | 99.7161% | 597 |
| Total domestic deposits to total assets | 88.8760% | 1,357 |
| Equity capital to assets | 10.9453% | 2,059 |
| Core capital (leverage) ratio | 11.0828% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,877,500 | 4,317 |
| Average earning assets | $72,820,750 | 4,278 |
| Average equity | $8,383,250 | 4,362 |
| Average total loans | $56,558,500 | 3,936 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 1,018 |
| Cost of funding earning assets | 0.9380% | 152 |
| Net interest margin | 3.3542% | 2,287 |
| Noninterest income to average assets | 0.2037% | 4,183 |
| Noninterest expense to average assets | 3.2022% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1959% | 4,641 |
| Return on assets (ROA) | 0.1959% | 4,654 |
| Pretax return on assets | 0.1959% | 4,671 |
| Return on Equity (ROE) | 1.7987% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.7987% | 4,164 |
| Net charge-offs to loans | -0.0071% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2352% | 249 |
| Assets per employee ($millions) | 5.1311% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 658 |
| Loan loss allowance to noncurrent loans | 38.2912% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 55 |
| Noncurrent loans to loans | 5.1155% | 79 |
| Net loans and leases to total assets | 71.9889% | 967 |
| Net loans and leases to deposits | 80.9582% | 1,332 |
| Net loans and leases to core deposits | 96.9637% | 763 |
| Total domestic deposits to total assets | 88.9211% | 1,321 |
| Equity capital to assets | 10.8827% | 2,084 |
| Core capital (leverage) ratio | 10.6758% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0331% | 1,616 |
| Memoranda: | ||
| Average total assets | $76,571,333 | 4,341 |
| Average earning assets | $72,924,000 | 4,302 |
| Average equity | $8,339,333 | 4,386 |
| Average total loans | $56,037,333 | 3,971 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2935% | 1,052 |
| Cost of funding earning assets | 1.0595% | 103 |
| Net interest margin | 3.2340% | 2,590 |
| Noninterest income to average assets | 0.1781% | 4,306 |
| Noninterest expense to average assets | 3.0848% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1466% | 4,674 |
| Return on assets (ROA) | 0.1466% | 4,692 |
| Pretax return on assets | 0.1466% | 4,706 |
| Return on Equity (ROE) | 1.3460% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.3460% | 4,152 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4619% | 257 |
| Assets per employee ($millions) | 5.0845% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9228% | 711 |
| Loan loss allowance to noncurrent loans | 37.2807% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 4.0685% | 55 |
| Noncurrent loans to loans | 5.1576% | 74 |
| Net loans and leases to total assets | 73.9026% | 825 |
| Net loans and leases to deposits | 83.1683% | 1,228 |
| Net loans and leases to core deposits | 98.2790% | 791 |
| Total domestic deposits to total assets | 88.8590% | 1,410 |
| Equity capital to assets | 10.9286% | 1,916 |
| Core capital (leverage) ratio | 10.9602% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6733% | 1,679 |
| Memoranda: | ||
| Average total assets | $76,374,000 | 4,361 |
| Average earning assets | $72,109,000 | 4,327 |
| Average equity | $8,321,000 | 4,403 |
| Average total loans | $55,799,000 | 3,995 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 1,900 |
| Cost of funding earning assets | 1.8110% | 21 |
| Net interest margin | 2.4779% | 4,611 |
| Noninterest income to average assets | 0.2408% | 4,056 |
| Noninterest expense to average assets | 3.7486% | 495 |
| Loan and lease loss provision to assets | 0.0182% | 4,155 |
| Net operating income to assets | -1.2029% | 4,944 |
| Return on assets (ROA) | -1.2029% | 4,944 |
| Pretax return on assets | -1.2029% | 4,937 |
| Return on Equity (ROE) | -23.3431% | 4,978 |
| Retained earnings to average equity (ytd only) | -23.3431% | 4,967 |
| Net charge-offs to loans | 1.2089% | 99 |
| Credit loss provision to net charge-offs | 2.1246% | 3,261 |
| Earnings coverage of net charge-offs (x) | -1.3796% | 3,356 |
| Efficiency ratio | 146.2049% | 39 |
| Assets per employee ($millions) | 5.1023% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0433% | 537 |
| Loan loss allowance to noncurrent loans | 32.4435% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 4.7077% | 48 |
| Noncurrent loans to loans | 6.2979% | 48 |
| Net loans and leases to total assets | 69.2794% | 1,650 |
| Net loans and leases to deposits | 77.9773% | 2,070 |
| Net loans and leases to core deposits | 81.4986% | 2,229 |
| Total domestic deposits to total assets | 88.8456% | 1,053 |
| Equity capital to assets | 10.9257% | 2,322 |
| Core capital (leverage) ratio | 10.9224% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5259% | 1,146 |
| Memoranda: | ||
| Average total assets | $82,216,600 | 4,220 |
| Average earning assets | $77,082,600 | 4,201 |
| Average equity | $4,236,800 | 4,826 |
| Average total loans | $58,402,400 | 3,948 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3241% | 2,032 |
| Cost of funding earning assets | 2.0096% | 14 |
| Net interest margin | 2.3145% | 4,776 |
| Noninterest income to average assets | 0.2503% | 3,980 |
| Noninterest expense to average assets | 3.6745% | 557 |
| Loan and lease loss provision to assets | 0.0239% | 4,035 |
| Net operating income to assets | -1.2817% | 4,966 |
| Return on assets (ROA) | -1.2817% | 4,965 |
| Pretax return on assets | -1.2817% | 4,958 |
| Return on Equity (ROE) | -33.4417% | 5,018 |
| Retained earnings to average equity (ytd only) | -33.4417% | 5,008 |
| Net charge-offs to loans | 1.3586% | 90 |
| Credit loss provision to net charge-offs | 2.4752% | 3,003 |
| Earnings coverage of net charge-offs (x) | -1.3020% | 3,160 |
| Efficiency ratio | 152.0449% | 38 |
| Assets per employee ($millions) | 4.8533% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 301 |
| Loan loss allowance to noncurrent loans | 24.0904% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 7.1374% | 26 |
| Noncurrent loans to loans | 9.5066% | 29 |
| Net loans and leases to total assets | 70.6195% | 1,865 |
| Net loans and leases to deposits | 74.3955% | 2,917 |
| Net loans and leases to core deposits | 79.5565% | 2,881 |
| Total domestic deposits to total assets | 94.9245% | 6 |
| Equity capital to assets | 4.8558% | 5,021 |
| Core capital (leverage) ratio | 4.2402% | 5,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.7848% | 3,122 |
| Memoranda: | ||
| Average total assets | $83,637,000 | 4,206 |
| Average earning assets | $78,288,500 | 4,192 |
| Average equity | $3,205,500 | 4,929 |
| Average total loans | $59,470,750 | 3,950 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,520 |
| Cost of funding earning assets | 2.1197% | 10 |
| Net interest margin | 2.1609% | 4,893 |
| Noninterest income to average assets | 0.2155% | 4,196 |
| Noninterest expense to average assets | 3.5462% | 706 |
| Loan and lease loss provision to assets | 0.0344% | 3,834 |
| Net operating income to assets | -1.3226% | 4,987 |
| Return on assets (ROA) | -1.3226% | 4,989 |
| Pretax return on assets | -1.3226% | 4,975 |
| Return on Equity (ROE) | -37.2779% | 5,049 |
| Retained earnings to average equity (ytd only) | -37.2779% | 5,040 |
| Net charge-offs to loans | -0.1652% | 4,917 |
| Credit loss provision to net charge-offs | -29.4118% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.0558% | 37 |
| Assets per employee ($millions) | 5.3306% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2834% | 108 |
| Loan loss allowance to noncurrent loans | 28.6726% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 8.4993% | 24 |
| Noncurrent loans to loans | 11.4512% | 22 |
| Net loans and leases to total assets | 64.3084% | 2,843 |
| Net loans and leases to deposits | 67.4521% | 3,608 |
| Net loans and leases to core deposits | 77.6158% | 3,140 |
| Total domestic deposits to total assets | 95.3394% | 6 |
| Equity capital to assets | 4.4027% | 5,055 |
| Core capital (leverage) ratio | 4.3357% | 5,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.2145% | 3,205 |
| Memoranda: | ||
| Average total assets | $87,249,333 | 4,158 |
| Average earning assets | $82,465,667 | 4,133 |
| Average equity | $3,095,667 | 4,963 |
| Average total loans | $61,755,667 | 3,909 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 2,381 |
| Cost of funding earning assets | 2.3063% | 8 |
| Net interest margin | 2.1670% | 4,974 |
| Noninterest income to average assets | 0.1904% | 4,416 |
| Noninterest expense to average assets | 3.6450% | 759 |
| Loan and lease loss provision to assets | 0.0680% | 2,905 |
| Net operating income to assets | -1.4780% | 5,021 |
| Return on assets (ROA) | -1.4780% | 5,008 |
| Pretax return on assets | -1.4780% | 4,992 |
| Return on Equity (ROE) | -47.1439% | 5,102 |
| Retained earnings to average equity (ytd only) | -47.1439% | 5,083 |
| Net charge-offs to loans | 0.0498% | 1,512 |
| Credit loss provision to net charge-offs | 187.5000% | 1,452 |
| Earnings coverage of net charge-offs (x) | -38.8750% | 2,553 |
| Efficiency ratio | 163.0832% | 42 |
| Assets per employee ($millions) | 5.7741% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9864% | 151 |
| Loan loss allowance to noncurrent loans | 25.6472% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 8.9885% | 25 |
| Noncurrent loans to loans | 11.6443% | 21 |
| Net loans and leases to total assets | 67.6242% | 2,595 |
| Net loans and leases to deposits | 71.1535% | 3,506 |
| Net loans and leases to core deposits | 87.0140% | 2,597 |
| Total domestic deposits to total assets | 95.0399% | 3 |
| Equity capital to assets | 4.6253% | 5,112 |
| Core capital (leverage) ratio | 4.4176% | 5,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.0104% | 3,394 |
| Memoranda: | ||
| Average total assets | $88,229,500 | 4,154 |
| Average earning assets | $83,248,500 | 4,121 |
| Average equity | $2,766,000 | 5,026 |
| Average total loans | $64,278,500 | 3,880 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 806 |
| Cost of funding earning assets | 2.0464% | 49 |
| Net interest margin | 3.2630% | 4,056 |
| Noninterest income to average assets | 0.3594% | 3,551 |
| Noninterest expense to average assets | 3.8123% | 660 |
| Loan and lease loss provision to assets | 6.2512% | 5 |
| Net operating income to assets | -6.6476% | 5,172 |
| Return on assets (ROA) | -6.6476% | 5,172 |
| Pretax return on assets | -6.6476% | 5,172 |
| Return on Equity (ROE) | -122.4523% | 5,177 |
| Retained earnings to average equity (ytd only) | -122.4523% | 5,177 |
| Net charge-offs to loans | 7.1393% | 4 |
| Credit loss provision to net charge-offs | 109.0014% | 2,286 |
| Earnings coverage of net charge-offs (x) | -0.0691% | 3,636 |
| Efficiency ratio | 111.6054% | 98 |
| Assets per employee ($millions) | 5.9899% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6340% | 179 |
| Loan loss allowance to noncurrent loans | 20.1255% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 10.7882% | 14 |
| Noncurrent loans to loans | 13.0881% | 10 |
| Net loans and leases to total assets | 73.8892% | 1,773 |
| Net loans and leases to deposits | 75.4675% | 3,224 |
| Net loans and leases to core deposits | 89.3465% | 2,481 |
| Total domestic deposits to total assets | 97.9087% | 1 |
| Equity capital to assets | 1.6984% | 5,176 |
| Core capital (leverage) ratio | 1.6747% | 5,176 |
| Tier 1 risk-based capital ratio | 2.2849% | 5,176 |
| Total risk-based capital ratio | 3.5547% | 5,176 |
| Memoranda: | ||
| Average total assets | $102,668,000 | 3,958 |
| Average earning assets | $96,168,400 | 3,939 |
| Average equity | $5,573,600 | 4,818 |
| Average total loans | $82,472,800 | 3,551 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 652 |
| Cost of funding earning assets | 2.0074% | 64 |
| Net interest margin | 3.4339% | 3,777 |
| Noninterest income to average assets | 0.4055% | 3,279 |
| Noninterest expense to average assets | 3.7944% | 664 |
| Loan and lease loss provision to assets | 7.6291% | 5 |
| Net operating income to assets | -7.8016% | 5,253 |
| Return on assets (ROA) | -7.8016% | 5,253 |
| Pretax return on assets | -7.8016% | 5,253 |
| Return on Equity (ROE) | -125.4239% | 5,255 |
| Retained earnings to average equity (ytd only) | -125.4239% | 5,254 |
| Net charge-offs to loans | 8.2575% | 3 |
| Credit loss provision to net charge-offs | 113.6799% | 2,041 |
| Earnings coverage of net charge-offs (x) | -0.0257% | 3,382 |
| Efficiency ratio | 104.7636% | 122 |
| Assets per employee ($millions) | 6.0482% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6692% | 180 |
| Loan loss allowance to noncurrent loans | 30.1496% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 7.3653% | 31 |
| Noncurrent loans to loans | 8.8531% | 39 |
| Net loans and leases to total assets | 80.1858% | 824 |
| Net loans and leases to deposits | 82.4749% | 2,620 |
| Net loans and leases to core deposits | 96.5301% | 1,958 |
| Total domestic deposits to total assets | 97.2245% | 2 |
| Equity capital to assets | 2.3765% | 5,254 |
| Core capital (leverage) ratio | 2.2197% | 5,255 |
| Tier 1 risk-based capital ratio | 3.0255% | 5,254 |
| Total risk-based capital ratio | 4.2941% | 5,254 |
| Memoranda: | ||
| Average total assets | $105,873,000 | 3,943 |
| Average earning assets | $99,166,000 | 3,924 |
| Average equity | $6,585,500 | 4,746 |
| Average total loans | $86,045,000 | 3,524 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4680% | 602 |
| Cost of funding earning assets | 1.9259% | 76 |
| Net interest margin | 3.5421% | 3,459 |
| Noninterest income to average assets | 0.5571% | 2,355 |
| Noninterest expense to average assets | 3.6692% | 779 |
| Loan and lease loss provision to assets | 1.1089% | 87 |
| Net operating income to assets | -0.9015% | 5,218 |
| Return on assets (ROA) | -0.9015% | 5,222 |
| Pretax return on assets | -0.9015% | 5,218 |
| Return on Equity (ROE) | -12.4039% | 5,252 |
| Retained earnings to average equity (ytd only) | -12.4039% | 5,197 |
| Net charge-offs to loans | 0.2182% | 765 |
| Credit loss provision to net charge-offs | 627.5510% | 505 |
| Earnings coverage of net charge-offs (x) | 1.1735% | 3,049 |
| Efficiency ratio | 94.6512% | 221 |
| Assets per employee ($millions) | 6.0681% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0660% | 415 |
| Loan loss allowance to noncurrent loans | 23.6818% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 6.5867% | 45 |
| Noncurrent loans to loans | 8.7241% | 37 |
| Net loans and leases to total assets | 73.3071% | 2,001 |
| Net loans and leases to deposits | 78.8708% | 3,073 |
| Net loans and leases to core deposits | 95.4272% | 2,125 |
| Total domestic deposits to total assets | 92.9458% | 12 |
| Equity capital to assets | 6.6995% | 5,280 |
| Core capital (leverage) ratio | 6.4619% | 5,281 |
| Tier 1 risk-based capital ratio | 8.4645% | 5,288 |
| Total risk-based capital ratio | 9.7225% | 5,288 |
| Memoranda: | ||
| Average total assets | $110,923,000 | 3,888 |
| Average earning assets | $103,951,000 | 3,871 |
| Average equity | $8,062,000 | 4,572 |
| Average total loans | $89,812,670 | 3,463 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6012% | 430 |
| Cost of funding earning assets | 1.6183% | 211 |
| Net interest margin | 3.9829% | 1,898 |
| Noninterest income to average assets | 0.6364% | 1,879 |
| Noninterest expense to average assets | 3.7669% | 683 |
| Loan and lease loss provision to assets | 0.5297% | 200 |
| Net operating income to assets | 0.0699% | 5,109 |
| Return on assets (ROA) | 0.0699% | 5,114 |
| Pretax return on assets | 0.0699% | 5,115 |
| Return on Equity (ROE) | 0.9233% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.9233% | 4,329 |
| Net charge-offs to loans | 0.0218% | 2,015 |
| Credit loss provision to net charge-offs | 2,880.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,280 |
| Efficiency ratio | 86.2679% | 566 |
| Assets per employee ($millions) | 6.0554% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 946 |
| Loan loss allowance to noncurrent loans | 63.0820% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.0577% | 461 |
| Noncurrent loans to loans | 2.6275% | 485 |
| Net loans and leases to total assets | 75.0072% | 1,639 |
| Net loans and leases to deposits | 80.7357% | 2,760 |
| Net loans and leases to core deposits | 96.7783% | 1,875 |
| Total domestic deposits to total assets | 92.9046% | 24 |
| Equity capital to assets | 6.8064% | 5,316 |
| Core capital (leverage) ratio | 7.8652% | 5,235 |
| Tier 1 risk-based capital ratio | 8.7662% | 5,342 |
| Total risk-based capital ratio | 10.0200% | 5,341 |
| Memoranda: | ||
| Average total assets | $108,738,000 | 3,957 |
| Average earning assets | $101,834,500 | 3,943 |
| Average equity | $8,231,000 | 4,586 |
| Average total loans | $91,695,500 | 3,458 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3999% | 101 |
| Cost of funding earning assets | 1.5221% | 82 |
| Net interest margin | 4.8778% | 334 |
| Noninterest income to average assets | 0.5150% | 2,750 |
| Noninterest expense to average assets | 4.3653% | 339 |
| Loan and lease loss provision to assets | 0.5139% | 229 |
| Net operating income to assets | 0.1293% | 5,162 |
| Return on assets (ROA) | 0.1293% | 5,155 |
| Pretax return on assets | 0.1293% | 5,159 |
| Return on Equity (ROE) | 1.4438% | 5,116 |
| Retained earnings to average equity (ytd only) | -0.3293% | 5,024 |
| Net charge-offs to loans | -0.0359% | 4,872 |
| Credit loss provision to net charge-offs | -1,617.8571% | 4,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1574% | 469 |
| Assets per employee ($millions) | 4.8590% | 2,670 |
| Cash dividends to net income (ytd only)* | 122.8070% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,759 |
| Loan loss allowance to noncurrent loans | 57.2423% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 633 |
| Noncurrent loans to loans | 1.7308% | 829 |
| Net loans and leases to total assets | 93.0634% | 15 |
| Net loans and leases to deposits | 102.9049% | 539 |
| Net loans and leases to core deposits | 134.0890% | 260 |
| Total domestic deposits to total assets | 90.4363% | 345 |
| Equity capital to assets | 9.2920% | 4,325 |
| Core capital (leverage) ratio | 9.1898% | 4,469 |
| Tier 1 risk-based capital ratio | 10.6175% | 5,139 |
| Total risk-based capital ratio | 11.6816% | 5,112 |
| Memoranda: | ||
| Average total assets | $88,149,400 | 4,301 |
| Average earning assets | $81,205,000 | 4,298 |
| Average equity | $7,895,800 | 4,628 |
| Average total loans | $77,954,600 | 3,705 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5519% | 82 |
| Cost of funding earning assets | 1.4973% | 67 |
| Net interest margin | 5.0546% | 236 |
| Noninterest income to average assets | 0.5262% | 2,708 |
| Noninterest expense to average assets | 4.3418% | 345 |
| Loan and lease loss provision to assets | 0.6597% | 154 |
| Net operating income to assets | 0.1677% | 5,216 |
| Return on assets (ROA) | 0.1677% | 5,209 |
| Pretax return on assets | 0.1677% | 5,222 |
| Return on Equity (ROE) | 1.8917% | 5,144 |
| Retained earnings to average equity (ytd only) | -0.5605% | 5,099 |
| Net charge-offs to loans | -0.0447% | 4,889 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9940% | 640 |
| Assets per employee ($millions) | 5.2074% | 2,215 |
| Cash dividends to net income (ytd only)* | 129.6250% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,773 |
| Loan loss allowance to noncurrent loans | 134.6687% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 1,951 |
| Noncurrent loans to loans | 0.7419% | 2,232 |
| Net loans and leases to total assets | 92.3954% | 25 |
| Net loans and leases to deposits | 107.7994% | 362 |
| Net loans and leases to core deposits | 153.4733% | 114 |
| Total domestic deposits to total assets | 85.7105% | 2,320 |
| Equity capital to assets | 9.6273% | 3,971 |
| Core capital (leverage) ratio | 9.7793% | 3,862 |
| Tier 1 risk-based capital ratio | 11.6832% | 4,684 |
| Total risk-based capital ratio | 12.8148% | 4,641 |
| Memoranda: | ||
| Average total assets | $85,891,750 | 4,375 |
| Average earning assets | $78,896,500 | 4,380 |
| Average equity | $7,612,250 | 4,712 |
| Average total loans | $74,607,250 | 3,817 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4093% | 86 |
| Cost of funding earning assets | 1.5617% | 42 |
| Net interest margin | 4.8476% | 338 |
| Noninterest income to average assets | 0.5356% | 2,665 |
| Noninterest expense to average assets | 4.3781% | 330 |
| Loan and lease loss provision to assets | 0.1081% | 1,816 |
| Net operating income to assets | 0.4923% | 4,766 |
| Return on assets (ROA) | 0.4923% | 4,770 |
| Pretax return on assets | 0.4923% | 4,917 |
| Return on Equity (ROE) | 5.7410% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.8203% | 4,514 |
| Net charge-offs to loans | -0.0626% | 4,994 |
| Credit loss provision to net charge-offs | -204.5455% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9402% | 472 |
| Assets per employee ($millions) | 5.3143% | 2,089 |
| Cash dividends to net income (ytd only)* | 68.2927% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,091 |
| Loan loss allowance to noncurrent loans | 383.5938% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 2,201 |
| Noncurrent loans to loans | 0.1585% | 4,194 |
| Net loans and leases to total assets | 88.8669% | 110 |
| Net loans and leases to deposits | 97.0810% | 1,032 |
| Net loans and leases to core deposits | 137.2933% | 221 |
| Total domestic deposits to total assets | 91.5389% | 144 |
| Equity capital to assets | 8.1567% | 5,166 |
| Core capital (leverage) ratio | 8.1776% | 5,276 |
| Tier 1 risk-based capital ratio | 10.2154% | 5,366 |
| Total risk-based capital ratio | 10.8961% | 5,454 |
| Memoranda: | ||
| Average total assets | $83,278,000 | 4,464 |
| Average earning assets | $76,327,000 | 4,466 |
| Average equity | $7,141,670 | 4,827 |
| Average total loans | $70,316,670 | 3,928 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 115 |
| Cost of funding earning assets | 1.5361% | 38 |
| Net interest margin | 4.5808% | 524 |
| Noninterest income to average assets | 0.5518% | 2,516 |
| Noninterest expense to average assets | 4.2886% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4364% | 4,849 |
| Return on assets (ROA) | 0.4364% | 4,854 |
| Pretax return on assets | 0.4364% | 4,978 |
| Return on Equity (ROE) | 4.9516% | 4,509 |
| Retained earnings to average equity (ytd only) | -3.0165% | 5,085 |
| Net charge-offs to loans | -0.0307% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7643% | 410 |
| Assets per employee ($millions) | 5.1810% | 2,272 |
| Cash dividends to net income (ytd only)* | 160.9195% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 5,161 |
| Loan loss allowance to noncurrent loans | 282.2368% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 2,137 |
| Noncurrent loans to loans | 0.2173% | 3,997 |
| Net loans and leases to total assets | 78.9366% | 1,094 |
| Net loans and leases to deposits | 86.2871% | 2,125 |
| Net loans and leases to core deposits | 125.1372% | 444 |
| Total domestic deposits to total assets | 91.4813% | 189 |
| Equity capital to assets | 8.2326% | 5,159 |
| Core capital (leverage) ratio | 8.7202% | 4,972 |
| Tier 1 risk-based capital ratio | 10.9764% | 5,139 |
| Total risk-based capital ratio | 11.6258% | 5,312 |
| Memoranda: | ||
| Average total assets | $79,745,500 | 4,575 |
| Average earning assets | $72,651,500 | 4,583 |
| Average equity | $7,028,000 | 4,893 |
| Average total loans | $65,087,000 | 4,074 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5261% | 74 |
| Cost of funding earning assets | 0.6948% | 1,056 |
| Net interest margin | 5.8313% | 79 |
| Noninterest income to average assets | 0.6406% | 2,248 |
| Noninterest expense to average assets | 5.4935% | 169 |
| Loan and lease loss provision to assets | 0.1786% | 1,210 |
| Net operating income to assets | 0.2310% | 5,047 |
| Return on assets (ROA) | 0.2310% | 5,065 |
| Pretax return on assets | 0.2310% | 5,280 |
| Return on Equity (ROE) | 2.2054% | 5,018 |
| Retained earnings to average equity (ytd only) | 2.2054% | 4,000 |
| Net charge-offs to loans | 0.2198% | 1,181 |
| Credit loss provision to net charge-offs | 94.8454% | 2,705 |
| Earnings coverage of net charge-offs (x) | 2.1753% | 3,790 |
| Efficiency ratio | 93.0615% | 321 |
| Assets per employee ($millions) | 4.7609% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 5,066 |
| Loan loss allowance to noncurrent loans | 344.7154% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 1,623 |
| Noncurrent loans to loans | 0.2043% | 4,096 |
| Net loans and leases to total assets | 83.7315% | 473 |
| Net loans and leases to deposits | 100.6311% | 680 |
| Net loans and leases to core deposits | 130.6245% | 324 |
| Total domestic deposits to total assets | 83.2064% | 3,494 |
| Equity capital to assets | 9.5289% | 4,209 |
| Core capital (leverage) ratio | 10.8341% | 2,488 |
| Tier 1 risk-based capital ratio | 12.4888% | 4,211 |
| Total risk-based capital ratio | 13.2669% | 4,401 |
| Memoranda: | ||
| Average total assets | $51,515,000 | 5,129 |
| Average earning assets | $46,490,600 | 5,138 |
| Average equity | $5,395,800 | 5,205 |
| Average total loans | $44,128,600 | 4,612 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7119% | 64 |
| Cost of funding earning assets | 0.5876% | 1,619 |
| Net interest margin | 6.1243% | 65 |
| Noninterest income to average assets | 0.7047% | 1,977 |
| Noninterest expense to average assets | 5.5463% | 178 |
| Loan and lease loss provision to assets | 0.1776% | 1,130 |
| Net operating income to assets | 0.5042% | 4,717 |
| Return on assets (ROA) | 0.5042% | 4,750 |
| Pretax return on assets | 0.5042% | 5,020 |
| Return on Equity (ROE) | 4.6527% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.6527% | 3,115 |
| Net charge-offs to loans | 0.1529% | 1,327 |
| Credit loss provision to net charge-offs | 134.7826% | 1,827 |
| Earnings coverage of net charge-offs (x) | 5.1741% | 3,139 |
| Efficiency ratio | 89.0524% | 450 |
| Assets per employee ($millions) | 3.4137% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,600 |
| Loan loss allowance to noncurrent loans | 234.2105% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 2,807 |
| Noncurrent loans to loans | 0.3814% | 3,582 |
| Net loans and leases to total assets | 90.3989% | 66 |
| Net loans and leases to deposits | 111.8929% | 218 |
| Net loans and leases to core deposits | 140.2340% | 199 |
| Total domestic deposits to total assets | 80.7906% | 4,105 |
| Equity capital to assets | 9.8153% | 4,128 |
| Core capital (leverage) ratio | 10.4689% | 3,022 |
| Tier 1 risk-based capital ratio | 11.4804% | 4,970 |
| Total risk-based capital ratio | 12.4333% | 5,039 |
| Memoranda: | ||
| Average total assets | $46,540,250 | 5,279 |
| Average earning assets | $41,974,000 | 5,289 |
| Average equity | $5,043,500 | 5,327 |
| Average total loans | $40,105,750 | 4,777 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6149% | 70 |
| Cost of funding earning assets | 0.5555% | 1,741 |
| Net interest margin | 6.0594% | 72 |
| Noninterest income to average assets | 0.7070% | 1,954 |
| Noninterest expense to average assets | 5.8019% | 165 |
| Loan and lease loss provision to assets | 0.0775% | 2,430 |
| Net operating income to assets | 0.2509% | 5,319 |
| Return on assets (ROA) | 0.2509% | 5,337 |
| Pretax return on assets | 0.2509% | 5,389 |
| Return on Equity (ROE) | 2.2278% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.2278% | 4,340 |
| Net charge-offs to loans | 0.2495% | 816 |
| Credit loss provision to net charge-offs | 36.9565% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.5652% | 3,269 |
| Efficiency ratio | 94.6429% | 289 |
| Assets per employee ($millions) | 3.0033% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 4,477 |
| Loan loss allowance to noncurrent loans | 272.1088% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 2,893 |
| Noncurrent loans to loans | 0.3450% | 3,802 |
| Net loans and leases to total assets | 87.8299% | 155 |
| Net loans and leases to deposits | 103.6597% | 514 |
| Net loans and leases to core deposits | 120.5656% | 535 |
| Total domestic deposits to total assets | 84.7290% | 2,921 |
| Equity capital to assets | 10.9028% | 2,922 |
| Core capital (leverage) ratio | 11.5051% | 1,968 |
| Tier 1 risk-based capital ratio | 13.2106% | 3,868 |
| Total risk-based capital ratio | 14.2191% | 3,937 |
| Memoranda: | ||
| Average total assets | $43,847,330 | 5,374 |
| Average earning assets | $39,245,000 | 5,386 |
| Average equity | $4,937,670 | 5,375 |
| Average total loans | $36,867,670 | 4,902 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7181% | 69 |
| Cost of funding earning assets | 0.4968% | 2,115 |
| Net interest margin | 6.2212% | 61 |
| Noninterest income to average assets | 0.7477% | 1,755 |
| Noninterest expense to average assets | 6.7391% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4697% | 5,735 |
| Return on assets (ROA) | -0.4697% | 5,731 |
| Pretax return on assets | -0.4697% | 5,724 |
| Return on Equity (ROE) | -4.1103% | 5,725 |
| Retained earnings to average equity (ytd only) | -4.1103% | 5,334 |
| Net charge-offs to loans | 0.1765% | 944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -3.2667% | 2,898 |
| Efficiency ratio | 107.4924% | 148 |
| Assets per employee ($millions) | 2.9229% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 3,283 |
| Loan loss allowance to noncurrent loans | 383.3333% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,123 |
| Noncurrent loans to loans | 0.3065% | 4,022 |
| Net loans and leases to total assets | 79.4220% | 913 |
| Net loans and leases to deposits | 103.6833% | 414 |
| Net loans and leases to core deposits | 107.7816% | 987 |
| Total domestic deposits to total assets | 76.6006% | 5,161 |
| Equity capital to assets | 11.3952% | 2,264 |
| Core capital (leverage) ratio | 11.5205% | 1,931 |
| Tier 1 risk-based capital ratio | 15.0251% | 2,953 |
| Total risk-based capital ratio | 16.2702% | 2,882 |
| Memoranda: | ||
| Average total assets | $41,726,500 | 5,472 |
| Average earning assets | $37,034,500 | 5,481 |
| Average equity | $4,768,500 | 5,464 |
| Average total loans | $33,999,500 | 5,030 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 244 |
| Cost of funding earning assets | 0.4263% | 2,746 |
| Net interest margin | 5.0930% | 212 |
| Noninterest income to average assets | 1.1405% | 876 |
| Noninterest expense to average assets | 5.5587% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1541% | 5,491 |
| Return on assets (ROA) | 0.1541% | 5,530 |
| Pretax return on assets | 0.1541% | 5,538 |
| Return on Equity (ROE) | 1.3069% | 5,516 |
| Retained earnings to average equity (ytd only) | -0.8277% | 5,422 |
| Net charge-offs to loans | 0.0582% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.5294% | 3,647 |
| Efficiency ratio | 97.3022% | 274 |
| Assets per employee ($millions) | 2.8320% | 5,465 |
| Cash dividends to net income (ytd only)* | 163.3333% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 2,509 |
| Loan loss allowance to noncurrent loans | 75.4850% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 872 |
| Noncurrent loans to loans | 1.7306% | 1,109 |
| Net loans and leases to total assets | 81.5577% | 661 |
| Net loans and leases to deposits | 101.2684% | 582 |
| Net loans and leases to core deposits | 103.5382% | 1,319 |
| Total domestic deposits to total assets | 80.5362% | 4,444 |
| Equity capital to assets | 11.5491% | 2,125 |
| Core capital (leverage) ratio | 12.2580% | 1,452 |
| Tier 1 risk-based capital ratio | 14.4980% | 3,197 |
| Total risk-based capital ratio | 15.7502% | 3,127 |
| Memoranda: | ||
| Average total assets | $38,930,000 | 5,561 |
| Average earning assets | $34,949,800 | 5,570 |
| Average equity | $4,591,000 | 5,538 |
| Average total loans | $29,223,600 | 5,220 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3805% | 309 |
| Cost of funding earning assets | 0.4145% | 2,891 |
| Net interest margin | 4.9660% | 270 |
| Noninterest income to average assets | 0.8877% | 1,449 |
| Noninterest expense to average assets | 5.0544% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2856% | 5,311 |
| Return on assets (ROA) | 0.2890% | 5,392 |
| Pretax return on assets | 0.2890% | 5,469 |
| Return on Equity (ROE) | 2.4380% | 5,370 |
| Retained earnings to average equity (ytd only) | -0.0290% | 5,355 |
| Net charge-offs to loans | 0.0659% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.9272% | 3,063 |
| Efficiency ratio | 94.6521% | 363 |
| Assets per employee ($millions) | 2.6265% | 5,658 |
| Cash dividends to net income (ytd only)* | 101.1875% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,830 |
| Loan loss allowance to noncurrent loans | 87.0707% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6317% | 1,062 |
| Noncurrent loans to loans | 1.7018% | 1,232 |
| Net loans and leases to total assets | 77.9283% | 1,214 |
| Net loans and leases to deposits | 89.1540% | 1,864 |
| Net loans and leases to core deposits | 91.8724% | 2,392 |
| Total domestic deposits to total assets | 87.4086% | 1,709 |
| Equity capital to assets | 12.5588% | 1,743 |
| Core capital (leverage) ratio | 12.2806% | 1,487 |
| Tier 1 risk-based capital ratio | 15.0802% | 3,012 |
| Total risk-based capital ratio | 16.3341% | 2,947 |
| Memoranda: | ||
| Average total assets | $38,750,500 | 5,619 |
| Average earning assets | $34,741,750 | 5,633 |
| Average equity | $4,594,000 | 5,597 |
| Average total loans | $28,338,500 | 5,299 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 744 |
| Cost of funding earning assets | 0.4360% | 2,690 |
| Net interest margin | 4.4509% | 689 |
| Noninterest income to average assets | 0.7105% | 2,095 |
| Noninterest expense to average assets | 4.5978% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1015% | 5,665 |
| Return on assets (ROA) | 0.1066% | 5,708 |
| Pretax return on assets | 0.1066% | 5,721 |
| Return on Equity (ROE) | 0.9158% | 5,703 |
| Retained earnings to average equity (ytd only) | -2.7911% | 5,610 |
| Net charge-offs to loans | 0.0285% | 2,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,901 |
| Efficiency ratio | 97.8402% | 289 |
| Assets per employee ($millions) | 2.9678% | 5,466 |
| Cash dividends to net income (ytd only)* | 404.7619% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,577 |
| Loan loss allowance to noncurrent loans | 34.1313% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 3.5406% | 300 |
| Noncurrent loans to loans | 4.6363% | 209 |
| Net loans and leases to total assets | 71.2527% | 2,291 |
| Net loans and leases to deposits | 80.8387% | 2,836 |
| Net loans and leases to core deposits | 83.1619% | 3,151 |
| Total domestic deposits to total assets | 88.1418% | 1,359 |
| Equity capital to assets | 11.8167% | 2,258 |
| Core capital (leverage) ratio | 11.4962% | 1,997 |
| Tier 1 risk-based capital ratio | 14.2701% | 3,456 |
| Total risk-based capital ratio | 15.5216% | 3,373 |
| Memoranda: | ||
| Average total assets | $39,410,330 | 5,671 |
| Average earning assets | $35,318,330 | 5,683 |
| Average equity | $4,586,000 | 5,659 |
| Average total loans | $28,089,330 | 5,365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 288 |
| Cost of funding earning assets | 0.3822% | 3,273 |
| Net interest margin | 5.0354% | 232 |
| Noninterest income to average assets | 0.7228% | 1,923 |
| Noninterest expense to average assets | 3.5136% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7066% | 570 |
| Return on assets (ROA) | 1.7167% | 589 |
| Pretax return on assets | 1.7167% | 1,032 |
| Return on Equity (ROE) | 14.8068% | 701 |
| Retained earnings to average equity (ytd only) | 7.4467% | 1,689 |
| Net charge-offs to loans | 0.2982% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.0952% | 2,086 |
| Efficiency ratio | 67.3077% | 3,578 |
| Assets per employee ($millions) | 3.1060% | 5,391 |
| Cash dividends to net income (ytd only)* | 49.7076% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,049 |
| Loan loss allowance to noncurrent loans | 173.4694% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,743 |
| Noncurrent loans to loans | 0.8572% | 2,706 |
| Net loans and leases to total assets | 69.7286% | 2,387 |
| Net loans and leases to deposits | 78.8655% | 2,909 |
| Net loans and leases to core deposits | 80.4429% | 3,284 |
| Total domestic deposits to total assets | 88.4145% | 1,399 |
| Equity capital to assets | 11.5558% | 2,389 |
| Core capital (leverage) ratio | 11.6773% | 1,844 |
| Tier 1 risk-based capital ratio | 15.1322% | 3,095 |
| Total risk-based capital ratio | 16.3840% | 3,030 |
| Memoranda: | ||
| Average total assets | $39,845,000 | 5,720 |
| Average earning assets | $35,588,000 | 5,729 |
| Average equity | $4,619,500 | 5,702 |
| Average total loans | $28,168,000 | 5,407 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,266 |
| Cost of funding earning assets | 0.2963% | 4,293 |
| Net interest margin | 4.3304% | 905 |
| Noninterest income to average assets | 0.8967% | 1,449 |
| Noninterest expense to average assets | 3.8822% | 777 |
| Loan and lease loss provision to assets | 0.3402% | 449 |
| Net operating income to assets | 0.5670% | 4,437 |
| Return on assets (ROA) | 0.5670% | 4,527 |
| Pretax return on assets | 0.5670% | 4,941 |
| Return on Equity (ROE) | 4.8471% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.3286% | 2,897 |
| Net charge-offs to loans | 0.7435% | 317 |
| Credit loss provision to net charge-offs | 68.6170% | 3,145 |
| Earnings coverage of net charge-offs (x) | 1.8298% | 4,024 |
| Efficiency ratio | 81.0573% | 1,529 |
| Assets per employee ($millions) | 3.0240% | 5,501 |
| Cash dividends to net income (ytd only)* | 10.6977% | 4,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,591 |
| Loan loss allowance to noncurrent loans | 89.7384% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 1,431 |
| Noncurrent loans to loans | 1.7906% | 1,230 |
| Net loans and leases to total assets | 69.4699% | 2,456 |
| Net loans and leases to deposits | 78.6420% | 2,982 |
| Net loans and leases to core deposits | 80.2598% | 3,311 |
| Total domestic deposits to total assets | 88.3369% | 1,456 |
| Equity capital to assets | 11.6326% | 2,245 |
| Core capital (leverage) ratio | 12.0867% | 1,571 |
| Tier 1 risk-based capital ratio | 13.9213% | 3,755 |
| Total risk-based capital ratio | 15.1725% | 3,686 |
| Memoranda: | ||
| Average total assets | $37,917,000 | 5,807 |
| Average earning assets | $34,084,400 | 5,808 |
| Average equity | $4,435,600 | 5,776 |
| Average total loans | $25,286,600 | 5,546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 1,468 |
| Cost of funding earning assets | 0.2839% | 4,518 |
| Net interest margin | 4.2621% | 1,036 |
| Noninterest income to average assets | 0.9263% | 1,383 |
| Noninterest expense to average assets | 3.8933% | 754 |
| Loan and lease loss provision to assets | 0.4578% | 232 |
| Net operating income to assets | 0.4117% | 5,121 |
| Return on assets (ROA) | 0.4117% | 5,211 |
| Pretax return on assets | 0.4117% | 5,445 |
| Return on Equity (ROE) | 3.5140% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.8174% | 4,429 |
| Net charge-offs to loans | 0.4864% | 499 |
| Credit loss provision to net charge-offs | 143.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.7222% | 3,611 |
| Efficiency ratio | 81.7437% | 1,429 |
| Assets per employee ($millions) | 3.0187% | 5,531 |
| Cash dividends to net income (ytd only)* | 19.8306% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 877 |
| Loan loss allowance to noncurrent loans | 105.6311% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 1,363 |
| Noncurrent loans to loans | 1.9214% | 1,205 |
| Net loans and leases to total assets | 72.4906% | 1,982 |
| Net loans and leases to deposits | 82.7655% | 2,558 |
| Net loans and leases to core deposits | 83.8223% | 3,064 |
| Total domestic deposits to total assets | 87.5856% | 1,753 |
| Equity capital to assets | 12.3758% | 1,807 |
| Core capital (leverage) ratio | 12.4155% | 1,455 |
| Tier 1 risk-based capital ratio | 14.0159% | 3,836 |
| Total risk-based capital ratio | 15.2728% | 3,779 |
| Memoranda: | ||
| Average total assets | $37,568,250 | 5,887 |
| Average earning assets | $33,816,500 | 5,894 |
| Average equity | $4,401,250 | 5,860 |
| Average total loans | $24,669,250 | 5,634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 1,902 |
| Cost of funding earning assets | 0.2865% | 4,544 |
| Net interest margin | 4.0990% | 1,353 |
| Noninterest income to average assets | 0.7576% | 1,966 |
| Noninterest expense to average assets | 3.9720% | 699 |
| Loan and lease loss provision to assets | 0.4735% | 220 |
| Net operating income to assets | 0.0000% | 5,992 |
| Return on assets (ROA) | 0.0000% | 6,026 |
| Pretax return on assets | 0.0000% | 6,017 |
| Return on Equity (ROE) | 0.0000% | 6,026 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,501 |
| Net charge-offs to loans | 0.7847% | 281 |
| Credit loss provision to net charge-offs | 95.7447% | 2,135 |
| Earnings coverage of net charge-offs (x) | 0.9574% | 3,597 |
| Efficiency ratio | 89.3491% | 801 |
| Assets per employee ($millions) | 3.0383% | 5,551 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0989% | 856 |
| Loan loss allowance to noncurrent loans | 102.6639% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 1,595 |
| Noncurrent loans to loans | 2.0444% | 1,184 |
| Net loans and leases to total assets | 64.0949% | 3,255 |
| Net loans and leases to deposits | 73.3007% | 3,577 |
| Net loans and leases to core deposits | 73.3007% | 4,015 |
| Total domestic deposits to total assets | 87.4410% | 1,934 |
| Equity capital to assets | 11.9720% | 2,050 |
| Core capital (leverage) ratio | 11.5196% | 1,977 |
| Tier 1 risk-based capital ratio | 15.1974% | 3,251 |
| Total risk-based capital ratio | 16.4543% | 3,184 |
| Memoranda: | ||
| Average total assets | $38,016,330 | 5,945 |
| Average earning assets | $34,203,670 | 5,951 |
| Average equity | $4,374,000 | 5,926 |
| Average total loans | $23,958,000 | 5,713 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 1,714 |
| Cost of funding earning assets | 0.2746% | 4,732 |
| Net interest margin | 4.1414% | 1,183 |
| Noninterest income to average assets | 0.6745% | 2,282 |
| Noninterest expense to average assets | 3.8936% | 775 |
| Loan and lease loss provision to assets | 0.4599% | 234 |
| Net operating income to assets | 0.0204% | 5,990 |
| Return on assets (ROA) | 0.0204% | 6,029 |
| Pretax return on assets | 0.0204% | 6,029 |
| Return on Equity (ROE) | 0.1693% | 6,033 |
| Retained earnings to average equity (ytd only) | 0.1693% | 5,317 |
| Net charge-offs to loans | 1.7332% | 104 |
| Credit loss provision to net charge-offs | 43.2692% | 2,164 |
| Earnings coverage of net charge-offs (x) | 0.4519% | 3,054 |
| Efficiency ratio | 89.0187% | 937 |
| Assets per employee ($millions) | 3.2164% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 1,352 |
| Loan loss allowance to noncurrent loans | 121.1957% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1374% | 2,363 |
| Noncurrent loans to loans | 1.5402% | 1,823 |
| Net loans and leases to total assets | 60.7482% | 3,554 |
| Net loans and leases to deposits | 70.4030% | 3,705 |
| Net loans and leases to core deposits | 71.0429% | 4,059 |
| Total domestic deposits to total assets | 86.2865% | 2,775 |
| Equity capital to assets | 12.2574% | 1,850 |
| Core capital (leverage) ratio | 11.8358% | 1,751 |
| Tier 1 risk-based capital ratio | 15.3689% | 3,217 |
| Total risk-based capital ratio | 16.6228% | 3,142 |
| Memoranda: | ||
| Average total assets | $39,141,500 | 5,980 |
| Average earning assets | $34,964,000 | 5,988 |
| Average equity | $4,725,500 | 5,901 |
| Average total loans | $24,002,000 | 5,747 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,317 |
| Cost of funding earning assets | 0.2900% | 4,893 |
| Net interest margin | 4.4064% | 876 |
| Noninterest income to average assets | 0.8006% | 1,875 |
| Noninterest expense to average assets | 4.0151% | 741 |
| Loan and lease loss provision to assets | 0.4367% | 385 |
| Net operating income to assets | 0.3299% | 5,446 |
| Return on assets (ROA) | 0.3299% | 5,510 |
| Pretax return on assets | 0.3299% | 5,645 |
| Return on Equity (ROE) | 3.0222% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.7556% | 4,279 |
| Net charge-offs to loans | 1.8851% | 112 |
| Credit loss provision to net charge-offs | 36.9610% | 3,733 |
| Earnings coverage of net charge-offs (x) | 0.6489% | 4,600 |
| Efficiency ratio | 83.9675% | 1,413 |
| Assets per employee ($millions) | 3.3072% | 5,246 |
| Cash dividends to net income (ytd only)* | 8.8235% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 953 |
| Loan loss allowance to noncurrent loans | 56.8694% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.4165% | 963 |
| Noncurrent loans to loans | 3.6830% | 536 |
| Net loans and leases to total assets | 59.4819% | 3,849 |
| Net loans and leases to deposits | 68.6141% | 4,063 |
| Net loans and leases to core deposits | 69.2177% | 4,385 |
| Total domestic deposits to total assets | 86.6905% | 2,459 |
| Equity capital to assets | 11.8934% | 2,093 |
| Core capital (leverage) ratio | 11.8097% | 1,756 |
| Tier 1 risk-based capital ratio | 15.5502% | 3,212 |
| Total risk-based capital ratio | 16.8044% | 3,138 |
| Memoranda: | ||
| Average total assets | $41,219,600 | 6,006 |
| Average earning assets | $37,241,400 | 6,008 |
| Average equity | $4,500,000 | 5,988 |
| Average total loans | $25,834,400 | 5,742 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,189 |
| Cost of funding earning assets | 0.2958% | 4,921 |
| Net interest margin | 4.4542% | 813 |
| Noninterest income to average assets | 0.7147% | 2,260 |
| Noninterest expense to average assets | 4.0445% | 725 |
| Loan and lease loss provision to assets | 1.5447% | 54 |
| Net operating income to assets | -0.8204% | 6,439 |
| Return on assets (ROA) | -0.8204% | 6,435 |
| Pretax return on assets | -0.8204% | 6,421 |
| Return on Equity (ROE) | -7.6787% | 6,416 |
| Retained earnings to average equity (ytd only) | -8.0387% | 6,346 |
| Net charge-offs to loans | 2.5077% | 63 |
| Credit loss provision to net charge-offs | 97.5709% | 2,288 |
| Earnings coverage of net charge-offs (x) | 0.4575% | 4,384 |
| Efficiency ratio | 84.8118% | 1,302 |
| Assets per employee ($millions) | 3.3173% | 5,209 |
| Cash dividends to net income (ytd only)* | -4.6877% | 6,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 1,441 |
| Loan loss allowance to noncurrent loans | 75.1244% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6932% | 1,784 |
| Noncurrent loans to loans | 2.5379% | 1,149 |
| Net loans and leases to total assets | 58.5500% | 3,997 |
| Net loans and leases to deposits | 65.7387% | 4,359 |
| Net loans and leases to core deposits | 65.7387% | 4,734 |
| Total domestic deposits to total assets | 89.0647% | 1,201 |
| Equity capital to assets | 10.9076% | 3,059 |
| Core capital (leverage) ratio | 10.7003% | 2,817 |
| Tier 1 risk-based capital ratio | 14.3539% | 3,980 |
| Total risk-based capital ratio | 15.6064% | 3,914 |
| Memoranda: | ||
| Average total assets | $41,603,000 | 6,064 |
| Average earning assets | $37,866,000 | 6,060 |
| Average equity | $4,445,000 | 6,063 |
| Average total loans | $26,265,250 | 5,788 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 896 |
| Cost of funding earning assets | 0.2867% | 5,113 |
| Net interest margin | 4.6230% | 564 |
| Noninterest income to average assets | 0.6777% | 2,388 |
| Noninterest expense to average assets | 4.1799% | 618 |
| Loan and lease loss provision to assets | 2.0710% | 32 |
| Net operating income to assets | -1.3696% | 6,565 |
| Return on assets (ROA) | -1.3696% | 6,561 |
| Pretax return on assets | -1.3696% | 6,547 |
| Return on Equity (ROE) | -12.9037% | 6,537 |
| Retained earnings to average equity (ytd only) | -13.2609% | 6,472 |
| Net charge-offs to loans | 3.5645% | 35 |
| Credit loss provision to net charge-offs | 90.4762% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.3064% | 4,073 |
| Efficiency ratio | 85.6311% | 1,302 |
| Assets per employee ($millions) | 3.4315% | 4,994 |
| Cash dividends to net income (ytd only)* | -2.7682% | 6,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 2,095 |
| Loan loss allowance to noncurrent loans | 65.3666% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7291% | 1,883 |
| Noncurrent loans to loans | 2.6187% | 1,167 |
| Net loans and leases to total assets | 58.4268% | 3,933 |
| Net loans and leases to deposits | 65.2695% | 4,355 |
| Net loans and leases to core deposits | 65.2695% | 4,708 |
| Total domestic deposits to total assets | 89.5162% | 1,082 |
| Equity capital to assets | 10.4619% | 3,487 |
| Core capital (leverage) ratio | 10.2430% | 3,276 |
| Tier 1 risk-based capital ratio | 13.9478% | 4,286 |
| Total risk-based capital ratio | 15.1987% | 4,229 |
| Memoranda: | ||
| Average total assets | $42,201,670 | 6,101 |
| Average earning assets | $38,373,330 | 6,094 |
| Average equity | $4,479,330 | 6,096 |
| Average total loans | $27,100,330 | 5,786 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 622 |
| Cost of funding earning assets | 0.2807% | 5,278 |
| Net interest margin | 4.7927% | 390 |
| Noninterest income to average assets | 0.6274% | 2,582 |
| Noninterest expense to average assets | 3.9894% | 770 |
| Loan and lease loss provision to assets | 1.9385% | 40 |
| Net operating income to assets | -0.9833% | 6,570 |
| Return on assets (ROA) | -0.9833% | 6,569 |
| Pretax return on assets | -0.9833% | 6,556 |
| Return on Equity (ROE) | -9.2004% | 6,551 |
| Retained earnings to average equity (ytd only) | -9.5509% | 6,345 |
| Net charge-offs to loans | 3.3085% | 53 |
| Credit loss provision to net charge-offs | 88.0851% | 1,820 |
| Earnings coverage of net charge-offs (x) | 0.4340% | 3,350 |
| Efficiency ratio | 80.6818% | 2,092 |
| Assets per employee ($millions) | 3.7050% | 4,511 |
| Cash dividends to net income (ytd only)* | -3.8095% | 6,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 2,693 |
| Loan loss allowance to noncurrent loans | 69.6970% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 2,250 |
| Noncurrent loans to loans | 2.2988% | 1,552 |
| Net loans and leases to total assets | 60.3644% | 3,496 |
| Net loans and leases to deposits | 67.1975% | 3,947 |
| Net loans and leases to core deposits | 67.1975% | 4,384 |
| Total domestic deposits to total assets | 89.8313% | 1,165 |
| Equity capital to assets | 10.1439% | 3,666 |
| Core capital (leverage) ratio | 10.7376% | 2,663 |
| Tier 1 risk-based capital ratio | 13.6783% | 4,556 |
| Total risk-based capital ratio | 14.9301% | 4,509 |
| Memoranda: | ||
| Average total assets | $42,713,500 | 6,148 |
| Average earning assets | $38,475,500 | 6,149 |
| Average equity | $4,565,000 | 6,110 |
| Average total loans | $28,411,500 | 5,778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 661 |
| Cost of funding earning assets | 0.3878% | 4,769 |
| Net interest margin | 4.7977% | 432 |
| Noninterest income to average assets | 0.7087% | 2,494 |
| Noninterest expense to average assets | 3.9397% | 936 |
| Loan and lease loss provision to assets | 0.3986% | 751 |
| Net operating income to assets | 0.7817% | 3,386 |
| Return on assets (ROA) | 0.7817% | 3,492 |
| Pretax return on assets | 0.7817% | 4,215 |
| Return on Equity (ROE) | 7.6130% | 3,241 |
| Retained earnings to average equity (ytd only) | -0.0863% | 5,885 |
| Net charge-offs to loans | 1.4617% | 332 |
| Credit loss provision to net charge-offs | 37.0370% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.0967% | 4,709 |
| Efficiency ratio | 76.9464% | 2,624 |
| Assets per employee ($millions) | 3.1513% | 5,590 |
| Cash dividends to net income (ytd only)* | 101.1331% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 2,865 |
| Loan loss allowance to noncurrent loans | 45.9486% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 3.2026% | 958 |
| Noncurrent loans to loans | 3.4249% | 932 |
| Net loans and leases to total assets | 70.9913% | 1,841 |
| Net loans and leases to deposits | 80.0369% | 2,453 |
| Net loans and leases to core deposits | 80.0369% | 3,131 |
| Total domestic deposits to total assets | 88.6982% | 1,803 |
| Equity capital to assets | 11.2774% | 2,365 |
| Core capital (leverage) ratio | 11.0314% | 2,360 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,662 |
| Total risk-based capital ratio | 14.7424% | 4,602 |
| Memoranda: | ||
| Average total assets | $45,156,000 | 6,145 |
| Average earning assets | $41,520,200 | 6,125 |
| Average equity | $4,636,800 | 6,159 |
| Average total loans | $33,248,400 | 5,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 583 |
| Cost of funding earning assets | 0.4165% | 4,663 |
| Net interest margin | 4.8347% | 405 |
| Noninterest income to average assets | 0.6262% | 3,010 |
| Noninterest expense to average assets | 3.9910% | 868 |
| Loan and lease loss provision to assets | 0.3896% | 786 |
| Net operating income to assets | 0.7012% | 3,855 |
| Return on assets (ROA) | 0.7012% | 3,988 |
| Pretax return on assets | 0.7012% | 4,687 |
| Return on Equity (ROE) | 6.9810% | 3,658 |
| Retained earnings to average equity (ytd only) | -0.4596% | 6,034 |
| Net charge-offs to loans | 1.9040% | 214 |
| Credit loss provision to net charge-offs | 27.6639% | 3,938 |
| Earnings coverage of net charge-offs (x) | 0.7746% | 4,594 |
| Efficiency ratio | 78.5349% | 2,335 |
| Assets per employee ($millions) | 3.2281% | 5,435 |
| Cash dividends to net income (ytd only)* | 106.5835% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 3,823 |
| Loan loss allowance to noncurrent loans | 55.0725% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 1,518 |
| Noncurrent loans to loans | 2.5738% | 1,663 |
| Net loans and leases to total assets | 69.2768% | 2,088 |
| Net loans and leases to deposits | 77.8534% | 2,693 |
| Net loans and leases to core deposits | 78.9485% | 3,236 |
| Total domestic deposits to total assets | 88.9837% | 1,562 |
| Equity capital to assets | 10.9806% | 2,774 |
| Core capital (leverage) ratio | 10.5425% | 2,961 |
| Tier 1 risk-based capital ratio | 13.3695% | 4,860 |
| Total risk-based capital ratio | 14.5875% | 4,816 |
| Memoranda: | ||
| Average total assets | $46,203,250 | 6,185 |
| Average earning assets | $42,580,500 | 6,161 |
| Average equity | $4,641,000 | 6,235 |
| Average total loans | $34,173,500 | 5,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2801% | 544 |
| Cost of funding earning assets | 0.4510% | 4,416 |
| Net interest margin | 4.8291% | 416 |
| Noninterest income to average assets | 0.5796% | 3,319 |
| Noninterest expense to average assets | 3.7466% | 1,168 |
| Loan and lease loss provision to assets | 0.3780% | 856 |
| Net operating income to assets | 0.9073% | 2,752 |
| Return on assets (ROA) | 0.9073% | 2,895 |
| Pretax return on assets | 0.9073% | 3,875 |
| Return on Equity (ROE) | 9.2863% | 2,499 |
| Retained earnings to average equity (ytd only) | -1.8487% | 6,173 |
| Net charge-offs to loans | 0.2351% | 2,308 |
| Credit loss provision to net charge-offs | 214.2857% | 1,128 |
| Earnings coverage of net charge-offs (x) | 7.2857% | 2,570 |
| Efficiency ratio | 74.4574% | 3,038 |
| Assets per employee ($millions) | 2.9387% | 5,949 |
| Cash dividends to net income (ytd only)* | 119.9074% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6107% | 878 |
| Loan loss allowance to noncurrent loans | 72.1586% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 3.1193% | 1,283 |
| Noncurrent loans to loans | 3.6180% | 1,138 |
| Net loans and leases to total assets | 69.3088% | 2,016 |
| Net loans and leases to deposits | 77.3801% | 2,655 |
| Net loans and leases to core deposits | 78.4088% | 3,238 |
| Total domestic deposits to total assets | 89.5692% | 1,281 |
| Equity capital to assets | 10.3922% | 3,438 |
| Core capital (leverage) ratio | 9.9823% | 3,554 |
| Tier 1 risk-based capital ratio | 12.7097% | 5,349 |
| Total risk-based capital ratio | 13.9724% | 5,279 |
| Memoranda: | ||
| Average total assets | $47,616,000 | 6,194 |
| Average earning assets | $43,900,670 | 6,161 |
| Average equity | $4,652,000 | 6,283 |
| Average total loans | $35,734,670 | 5,586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 926 |
| Cost of funding earning assets | 0.5165% | 3,910 |
| Net interest margin | 4.4642% | 719 |
| Noninterest income to average assets | 0.5346% | 3,538 |
| Noninterest expense to average assets | 3.2399% | 2,234 |
| Loan and lease loss provision to assets | 0.3645% | 888 |
| Net operating income to assets | 1.0611% | 1,988 |
| Return on assets (ROA) | 1.0611% | 2,105 |
| Pretax return on assets | 1.0611% | 3,104 |
| Return on Equity (ROE) | 11.1787% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.1787% | 833 |
| Net charge-offs to loans | -0.0211% | 5,737 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4444% | 4,066 |
| Assets per employee ($millions) | 3.1355% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,485 |
| Loan loss allowance to noncurrent loans | 59.1468% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 3.4508% | 1,235 |
| Noncurrent loans to loans | 3.8045% | 1,213 |
| Net loans and leases to total assets | 75.5512% | 896 |
| Net loans and leases to deposits | 84.0942% | 1,583 |
| Net loans and leases to core deposits | 85.8309% | 2,121 |
| Total domestic deposits to total assets | 89.8412% | 1,142 |
| Equity capital to assets | 10.1078% | 4,007 |
| Core capital (leverage) ratio | 9.6037% | 3,919 |
| Tier 1 risk-based capital ratio | 11.7200% | 6,078 |
| Total risk-based capital ratio | 12.9799% | 6,047 |
| Memoranda: | ||
| Average total assets | $49,383,500 | 6,197 |
| Average earning assets | $45,696,500 | 6,169 |
| Average equity | $4,687,500 | 6,341 |
| Average total loans | $37,916,500 | 5,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0429% | 248 |
| Cost of funding earning assets | 0.8941% | 1,971 |
| Net interest margin | 5.1489% | 298 |
| Noninterest income to average assets | 0.8573% | 2,003 |
| Noninterest expense to average assets | 3.4829% | 1,855 |
| Loan and lease loss provision to assets | 0.8628% | 535 |
| Net operating income to assets | 1.2989% | 1,300 |
| Return on assets (ROA) | 1.2989% | 1,449 |
| Pretax return on assets | 1.2989% | 2,403 |
| Return on Equity (ROE) | 14.8532% | 836 |
| Retained earnings to average equity (ytd only) | -7.2144% | 6,540 |
| Net charge-offs to loans | 0.1725% | 3,998 |
| Credit loss provision to net charge-offs | 636.9863% | 381 |
| Earnings coverage of net charge-offs (x) | 15.9589% | 1,614 |
| Efficiency ratio | 61.7028% | 5,285 |
| Assets per employee ($millions) | 3.4489% | 5,111 |
| Cash dividends to net income (ytd only)* | 148.5714% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 2,147 |
| Loan loss allowance to noncurrent loans | 694.5946% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 6,022 |
| Noncurrent loans to loans | 0.2811% | 5,780 |
| Net loans and leases to total assets | 74.8251% | 1,074 |
| Net loans and leases to deposits | 82.2375% | 1,970 |
| Net loans and leases to core deposits | 84.2254% | 2,525 |
| Total domestic deposits to total assets | 90.9866% | 498 |
| Equity capital to assets | 8.9322% | 5,601 |
| Core capital (leverage) ratio | 8.5812% | 5,489 |
| Tier 1 risk-based capital ratio | 10.5837% | 6,521 |
| Total risk-based capital ratio | 11.8411% | 6,489 |
| Memoranda: | ||
| Average total assets | $53,891,400 | 6,094 |
| Average earning assets | $50,108,200 | 6,048 |
| Average equity | $4,712,800 | 6,381 |
| Average total loans | $42,323,200 | 5,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0534% | 269 |
| Cost of funding earning assets | 0.9408% | 1,909 |
| Net interest margin | 5.1126% | 332 |
| Noninterest income to average assets | 0.8304% | 2,120 |
| Noninterest expense to average assets | 3.2089% | 2,541 |
| Loan and lease loss provision to assets | 1.0656% | 369 |
| Net operating income to assets | 1.3080% | 1,424 |
| Return on assets (ROA) | 1.3080% | 1,564 |
| Pretax return on assets | 1.3080% | 2,571 |
| Return on Equity (ROE) | 15.0342% | 894 |
| Retained earnings to average equity (ytd only) | -14.2459% | 6,893 |
| Net charge-offs to loans | 0.1704% | 3,739 |
| Credit loss provision to net charge-offs | 790.9091% | 354 |
| Earnings coverage of net charge-offs (x) | 17.6186% | 1,613 |
| Efficiency ratio | 57.4814% | 5,855 |
| Assets per employee ($millions) | 3.6165% | 4,726 |
| Cash dividends to net income (ytd only)* | 194.7569% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 2,798 |
| Loan loss allowance to noncurrent loans | 1,946.1538% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 6,559 |
| Noncurrent loans to loans | 0.0924% | 6,387 |
| Net loans and leases to total assets | 76.3858% | 910 |
| Net loans and leases to deposits | 83.3172% | 1,956 |
| Net loans and leases to core deposits | 85.7412% | 2,499 |
| Total domestic deposits to total assets | 91.6806% | 250 |
| Equity capital to assets | 8.2290% | 6,469 |
| Core capital (leverage) ratio | 8.0878% | 6,242 |
| Tier 1 risk-based capital ratio | 9.8476% | 6,832 |
| Total risk-based capital ratio | 11.1035% | 6,817 |
| Memoranda: | ||
| Average total assets | $54,430,750 | 6,139 |
| Average earning assets | $50,592,750 | 6,096 |
| Average equity | $4,735,750 | 6,449 |
| Average total loans | $43,033,750 | 5,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 224 |
| Cost of funding earning assets | 0.9826% | 1,868 |
| Net interest margin | 5.2061% | 283 |
| Noninterest income to average assets | 0.8001% | 2,177 |
| Noninterest expense to average assets | 3.0426% | 3,116 |
| Loan and lease loss provision to assets | 1.5232% | 233 |
| Net operating income to assets | 1.0570% | 2,217 |
| Return on assets (ROA) | 1.0570% | 2,447 |
| Pretax return on assets | 1.0570% | 3,479 |
| Return on Equity (ROE) | 11.9345% | 1,686 |
| Retained earnings to average equity (ytd only) | -22.8745% | 7,040 |
| Net charge-offs to loans | 0.2632% | 3,002 |
| Credit loss provision to net charge-offs | 728.0702% | 434 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,886 |
| Efficiency ratio | 54.1123% | 6,306 |
| Assets per employee ($millions) | 3.6927% | 4,538 |
| Cash dividends to net income (ytd only)* | 291.6667% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 3,100 |
| Loan loss allowance to noncurrent loans | 2,456.6667% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 6,688 |
| Noncurrent loans to loans | 0.0706% | 6,492 |
| Net loans and leases to total assets | 75.4306% | 1,045 |
| Net loans and leases to deposits | 82.0603% | 2,102 |
| Net loans and leases to core deposits | 84.3873% | 2,641 |
| Total domestic deposits to total assets | 91.9209% | 238 |
| Equity capital to assets | 7.9834% | 6,577 |
| Core capital (leverage) ratio | 7.8973% | 6,373 |
| Tier 1 risk-based capital ratio | 9.6491% | 6,898 |
| Total risk-based capital ratio | 10.9036% | 6,889 |
| Memoranda: | ||
| Average total assets | $54,492,000 | 6,175 |
| Average earning assets | $50,479,670 | 6,140 |
| Average equity | $4,826,330 | 6,441 |
| Average total loans | $43,313,000 | 5,461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5136% | 158 |
| Cost of funding earning assets | 1.0630% | 1,605 |
| Net interest margin | 5.4507% | 203 |
| Noninterest income to average assets | 0.9030% | 1,736 |
| Noninterest expense to average assets | 2.7460% | 4,262 |
| Loan and lease loss provision to assets | 0.2220% | 2,725 |
| Net operating income to assets | 2.9828% | 108 |
| Return on assets (ROA) | 2.9828% | 128 |
| Pretax return on assets | 2.9828% | 188 |
| Return on Equity (ROE) | 32.0573% | 85 |
| Retained earnings to average equity (ytd only) | 7.7956% | 2,054 |
| Net charge-offs to loans | -0.0183% | 6,153 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1443% | 6,893 |
| Assets per employee ($millions) | 3.5357% | 5,038 |
| Cash dividends to net income (ytd only)* | 75.6824% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 6,474 |
| Loan loss allowance to noncurrent loans | 44.6739% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 3,254 |
| Noncurrent loans to loans | 2.0796% | 3,053 |
| Net loans and leases to total assets | 82.6401% | 241 |
| Net loans and leases to deposits | 91.5049% | 838 |
| Net loans and leases to core deposits | 93.2314% | 1,528 |
| Total domestic deposits to total assets | 90.3122% | 905 |
| Equity capital to assets | 9.5727% | 4,688 |
| Core capital (leverage) ratio | 9.3744% | 4,231 |
| Tier 1 risk-based capital ratio | 10.9499% | 6,558 |
| Total risk-based capital ratio | 11.8425% | 6,695 |
| Memoranda: | ||
| Average total assets | $54,043,000 | 6,229 |
| Average earning assets | $50,049,000 | 6,192 |
| Average equity | $5,028,500 | 6,417 |
| Average total loans | $43,710,500 | 5,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4220% | 204 |
| Cost of funding earning assets | 1.2288% | 1,843 |
| Net interest margin | 5.1932% | 288 |
| Noninterest income to average assets | 0.8369% | 1,899 |
| Noninterest expense to average assets | 3.5263% | 1,921 |
| Loan and lease loss provision to assets | 0.2212% | 3,985 |
| Net operating income to assets | 1.9115% | 371 |
| Return on assets (ROA) | 1.9115% | 397 |
| Pretax return on assets | 1.9115% | 645 |
| Return on Equity (ROE) | 20.5664% | 243 |
| Retained earnings to average equity (ytd only) | -0.4562% | 5,926 |
| Net charge-offs to loans | 0.2914% | 3,951 |
| Credit loss provision to net charge-offs | 95.2381% | 3,784 |
| Earnings coverage of net charge-offs (x) | 9.1825% | 2,023 |
| Efficiency ratio | 62.3127% | 5,409 |
| Assets per employee ($millions) | 3.6700% | 4,614 |
| Cash dividends to net income (ytd only)* | 102.2179% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,582 |
| Loan loss allowance to noncurrent loans | 41.5115% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6585% | 3,462 |
| Noncurrent loans to loans | 2.1144% | 3,050 |
| Net loans and leases to total assets | 77.7511% | 737 |
| Net loans and leases to deposits | 85.6160% | 1,718 |
| Net loans and leases to core deposits | 98.4022% | 1,303 |
| Total domestic deposits to total assets | 90.8138% | 579 |
| Equity capital to assets | 9.0463% | 5,497 |
| Core capital (leverage) ratio | 9.0076% | 4,773 |
| Tier 1 risk-based capital ratio | 10.7303% | 6,590 |
| Total risk-based capital ratio | 11.5529% | 6,746 |
| Memoranda: | ||
| Average total assets | $54,250,200 | 6,223 |
| Average earning assets | $50,373,600 | 6,178 |
| Average equity | $5,042,200 | 6,432 |
| Average total loans | $43,242,800 | 5,550 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6557% | 157 |
| Cost of funding earning assets | 1.2891% | 1,767 |
| Net interest margin | 5.3665% | 219 |
| Noninterest income to average assets | 0.9571% | 1,462 |
| Noninterest expense to average assets | 3.0637% | 3,303 |
| Loan and lease loss provision to assets | 0.2220% | 3,796 |
| Net operating income to assets | 2.6518% | 122 |
| Return on assets (ROA) | 2.6518% | 128 |
| Pretax return on assets | 2.6518% | 190 |
| Return on Equity (ROE) | 28.3387% | 70 |
| Retained earnings to average equity (ytd only) | 3.2951% | 4,373 |
| Net charge-offs to loans | -0.0370% | 7,000 |
| Credit loss provision to net charge-offs | -750.0000% | 6,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5995% | 6,717 |
| Assets per employee ($millions) | 3.6765% | 4,584 |
| Cash dividends to net income (ytd only)* | 88.3723% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 5,717 |
| Loan loss allowance to noncurrent loans | 50.5187% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 1.7481% | 3,475 |
| Noncurrent loans to loans | 2.2616% | 3,037 |
| Net loans and leases to total assets | 76.4085% | 926 |
| Net loans and leases to deposits | 84.3972% | 1,933 |
| Net loans and leases to core deposits | 97.0161% | 1,508 |
| Total domestic deposits to total assets | 90.5344% | 622 |
| Equity capital to assets | 9.3224% | 5,343 |
| Core capital (leverage) ratio | 9.3459% | 4,380 |
| Tier 1 risk-based capital ratio | 11.1106% | 6,474 |
| Total risk-based capital ratio | 12.1732% | 6,566 |
| Memoranda: | ||
| Average total assets | $54,050,250 | 6,280 |
| Average earning assets | $50,161,500 | 6,239 |
| Average equity | $5,057,750 | 6,478 |
| Average total loans | $43,258,250 | 5,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 150 |
| Cost of funding earning assets | 1.3356% | 1,723 |
| Net interest margin | 5.4147% | 205 |
| Noninterest income to average assets | 0.9351% | 1,512 |
| Noninterest expense to average assets | 3.1257% | 3,159 |
| Loan and lease loss provision to assets | 0.2235% | 3,682 |
| Net operating income to assets | 2.6153% | 144 |
| Return on assets (ROA) | 2.6153% | 151 |
| Pretax return on assets | 2.6153% | 212 |
| Return on Equity (ROE) | 27.9125% | 93 |
| Retained earnings to average equity (ytd only) | -1.9085% | 6,235 |
| Net charge-offs to loans | -0.0460% | 7,014 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4047% | 6,762 |
| Assets per employee ($millions) | 3.6601% | 4,537 |
| Cash dividends to net income (ytd only)* | 106.8376% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 6,107 |
| Loan loss allowance to noncurrent loans | 36.5756% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 2,898 |
| Noncurrent loans to loans | 2.8935% | 2,523 |
| Net loans and leases to total assets | 77.4813% | 850 |
| Net loans and leases to deposits | 85.2944% | 1,894 |
| Net loans and leases to core deposits | 98.0500% | 1,499 |
| Total domestic deposits to total assets | 90.8399% | 567 |
| Equity capital to assets | 9.0181% | 5,556 |
| Core capital (leverage) ratio | 9.0265% | 4,678 |
| Tier 1 risk-based capital ratio | 10.8970% | 6,605 |
| Total risk-based capital ratio | 11.9049% | 6,718 |
| Memoranda: | ||
| Average total assets | $53,684,670 | 6,342 |
| Average earning assets | $49,864,670 | 6,302 |
| Average equity | $5,030,000 | 6,518 |
| Average total loans | $43,469,670 | 5,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8484% | 131 |
| Cost of funding earning assets | 1.3843% | 1,697 |
| Net interest margin | 5.4641% | 175 |
| Noninterest income to average assets | 0.9345% | 1,527 |
| Noninterest expense to average assets | 3.0296% | 3,520 |
| Loan and lease loss provision to assets | 0.2261% | 3,397 |
| Net operating income to assets | 2.7658% | 136 |
| Return on assets (ROA) | 2.7658% | 141 |
| Pretax return on assets | 2.7658% | 186 |
| Return on Equity (ROE) | 28.9575% | 96 |
| Retained earnings to average equity (ytd only) | 11.2043% | 862 |
| Net charge-offs to loans | -0.0824% | 7,028 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3129% | 6,964 |
| Assets per employee ($millions) | 3.6032% | 4,749 |
| Cash dividends to net income (ytd only)* | 61.3079% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,468 |
| Loan loss allowance to noncurrent loans | 95.7111% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 5,265 |
| Noncurrent loans to loans | 1.0227% | 5,013 |
| Net loans and leases to total assets | 79.3572% | 582 |
| Net loans and leases to deposits | 87.8572% | 1,482 |
| Net loans and leases to core deposits | 101.3996% | 1,244 |
| Total domestic deposits to total assets | 90.3253% | 951 |
| Equity capital to assets | 9.5119% | 4,420 |
| Core capital (leverage) ratio | 9.6409% | 3,611 |
| Tier 1 risk-based capital ratio | 11.5338% | 6,074 |
| Total risk-based capital ratio | 12.4910% | 6,289 |
| Memoranda: | ||
| Average total assets | $53,076,500 | 6,410 |
| Average earning assets | $49,413,000 | 6,362 |
| Average equity | $5,069,500 | 6,534 |
| Average total loans | $43,708,000 | 5,673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9925% | 150 |
| Cost of funding earning assets | 1.5229% | 2,514 |
| Net interest margin | 5.4696% | 181 |
| Noninterest income to average assets | 0.9946% | 1,521 |
| Noninterest expense to average assets | 3.6560% | 1,797 |
| Loan and lease loss provision to assets | 0.2318% | 4,963 |
| Net operating income to assets | 2.1843% | 203 |
| Return on assets (ROA) | 2.1843% | 212 |
| Pretax return on assets | 2.1843% | 332 |
| Return on Equity (ROE) | 22.6817% | 152 |
| Retained earnings to average equity (ytd only) | 3.6299% | 3,325 |
| Net charge-offs to loans | 0.2273% | 4,924 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 13.0313% | 1,448 |
| Efficiency ratio | 60.2099% | 6,016 |
| Assets per employee ($millions) | 3.4737% | 4,995 |
| Cash dividends to net income (ytd only)* | 83.9965% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,792 |
| Loan loss allowance to noncurrent loans | 94.1320% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 5,444 |
| Noncurrent loans to loans | 0.9274% | 5,193 |
| Net loans and leases to total assets | 83.8998% | 309 |
| Net loans and leases to deposits | 92.9969% | 1,144 |
| Net loans and leases to core deposits | 105.3245% | 1,234 |
| Total domestic deposits to total assets | 90.2178% | 975 |
| Equity capital to assets | 9.5922% | 4,282 |
| Core capital (leverage) ratio | 9.3275% | 3,964 |
| Tier 1 risk-based capital ratio | 11.2720% | 6,114 |
| Total risk-based capital ratio | 12.1457% | 6,390 |
| Memoranda: | ||
| Average total assets | $51,777,800 | 6,473 |
| Average earning assets | $48,065,800 | 6,427 |
| Average equity | $4,986,400 | 6,666 |
| Average total loans | $42,229,800 | 5,822 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1096% | 128 |
| Cost of funding earning assets | 1.5271% | 2,794 |
| Net interest margin | 5.5826% | 149 |
| Noninterest income to average assets | 1.0265% | 1,390 |
| Noninterest expense to average assets | 3.2239% | 2,837 |
| Loan and lease loss provision to assets | 0.2321% | 4,751 |
| Net operating income to assets | 2.7468% | 104 |
| Return on assets (ROA) | 2.7468% | 108 |
| Pretax return on assets | 2.7468% | 165 |
| Return on Equity (ROE) | 28.4932% | 67 |
| Retained earnings to average equity (ytd only) | 6.1535% | 2,285 |
| Net charge-offs to loans | 0.0128% | 6,489 |
| Credit loss provision to net charge-offs | 2,250.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 288.9231% | 111 |
| Efficiency ratio | 51.9751% | 6,975 |
| Assets per employee ($millions) | 3.5119% | 4,949 |
| Cash dividends to net income (ytd only)* | 78.4043% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 6,023 |
| Loan loss allowance to noncurrent loans | 59.0489% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 4,300 |
| Noncurrent loans to loans | 1.8287% | 3,900 |
| Net loans and leases to total assets | 77.7312% | 1,084 |
| Net loans and leases to deposits | 86.1845% | 2,293 |
| Net loans and leases to core deposits | 111.8645% | 940 |
| Total domestic deposits to total assets | 90.1915% | 779 |
| Equity capital to assets | 9.6091% | 4,674 |
| Core capital (leverage) ratio | 9.5784% | 3,797 |
| Tier 1 risk-based capital ratio | 11.8556% | 5,587 |
| Total risk-based capital ratio | 12.9121% | 5,752 |
| Memoranda: | ||
| Average total assets | $51,696,000 | 6,551 |
| Average earning assets | $47,933,750 | 6,510 |
| Average equity | $4,983,500 | 6,755 |
| Average total loans | $41,762,000 | 5,924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3756% | 96 |
| Cost of funding earning assets | 1.5559% | 2,930 |
| Net interest margin | 5.8198% | 119 |
| Noninterest income to average assets | 1.0162% | 1,333 |
| Noninterest expense to average assets | 3.1109% | 3,265 |
| Loan and lease loss provision to assets | 0.2336% | 4,579 |
| Net operating income to assets | 3.0603% | 78 |
| Return on assets (ROA) | 3.0603% | 81 |
| Pretax return on assets | 3.0603% | 120 |
| Return on Equity (ROE) | 31.7106% | 46 |
| Retained earnings to average equity (ytd only) | 7.1006% | 1,791 |
| Net charge-offs to loans | 0.0143% | 6,140 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 118 |
| Efficiency ratio | 48.5714% | 7,311 |
| Assets per employee ($millions) | 3.4521% | 5,035 |
| Cash dividends to net income (ytd only)* | 77.6081% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,213 |
| Loan loss allowance to noncurrent loans | 61.6519% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 4,531 |
| Noncurrent loans to loans | 1.6936% | 4,148 |
| Net loans and leases to total assets | 76.5053% | 1,391 |
| Net loans and leases to deposits | 84.8654% | 2,729 |
| Net loans and leases to core deposits | 109.3157% | 1,211 |
| Total domestic deposits to total assets | 90.1491% | 841 |
| Equity capital to assets | 9.6578% | 4,458 |
| Core capital (leverage) ratio | 9.5161% | 3,797 |
| Tier 1 risk-based capital ratio | 12.0166% | 5,294 |
| Total risk-based capital ratio | 13.0288% | 5,474 |
| Memoranda: | ||
| Average total assets | $51,368,330 | 6,603 |
| Average earning assets | $47,562,000 | 6,569 |
| Average equity | $4,957,330 | 6,791 |
| Average total loans | $41,884,330 | 5,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4828% | 108 |
| Cost of funding earning assets | 1.6065% | 2,924 |
| Net interest margin | 5.8763% | 119 |
| Noninterest income to average assets | 0.9695% | 1,392 |
| Noninterest expense to average assets | 2.9006% | 4,057 |
| Loan and lease loss provision to assets | 0.2346% | 4,165 |
| Net operating income to assets | 3.2681% | 72 |
| Return on assets (ROA) | 3.2681% | 77 |
| Pretax return on assets | 3.2681% | 113 |
| Return on Equity (ROE) | 33.8770% | 58 |
| Retained earnings to average equity (ytd only) | 15.6418% | 365 |
| Net charge-offs to loans | -0.0093% | 6,879 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2991% | 7,577 |
| Assets per employee ($millions) | 3.4711% | 5,097 |
| Cash dividends to net income (ytd only)* | 53.8278% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,773 |
| Loan loss allowance to noncurrent loans | 38.4314% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.9591% | 3,550 |
| Noncurrent loans to loans | 2.3972% | 3,273 |
| Net loans and leases to total assets | 80.9703% | 717 |
| Net loans and leases to deposits | 89.8489% | 1,924 |
| Net loans and leases to core deposits | 114.5380% | 1,015 |
| Total domestic deposits to total assets | 90.1183% | 929 |
| Equity capital to assets | 9.6589% | 4,291 |
| Core capital (leverage) ratio | 9.6511% | 3,581 |
| Tier 1 risk-based capital ratio | 11.9218% | 5,278 |
| Total risk-based capital ratio | 12.8604% | 5,536 |
| Memoranda: | ||
| Average total assets | $51,161,500 | 6,693 |
| Average earning assets | $47,308,500 | 6,654 |
| Average equity | $4,935,500 | 6,868 |
| Average total loans | $42,809,500 | 5,991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7216% | 101 |
| Cost of funding earning assets | 1.9489% | 3,221 |
| Net interest margin | 5.7727% | 137 |
| Noninterest income to average assets | 1.0094% | 1,540 |
| Noninterest expense to average assets | 3.7589% | 1,777 |
| Loan and lease loss provision to assets | 0.2477% | 5,408 |
| Net operating income to assets | 2.3284% | 112 |
| Return on assets (ROA) | 2.3284% | 126 |
| Pretax return on assets | 2.3284% | 210 |
| Return on Equity (ROE) | 23.0383% | 134 |
| Retained earnings to average equity (ytd only) | -3.1044% | 5,723 |
| Net charge-offs to loans | 0.4655% | 3,916 |
| Credit loss provision to net charge-offs | 61.5385% | 6,623 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,374 |
| Efficiency ratio | 59.3353% | 6,581 |
| Assets per employee ($millions) | 3.3505% | 5,373 |
| Cash dividends to net income (ytd only)* | 113.4752% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 7,019 |
| Loan loss allowance to noncurrent loans | 40.2004% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7868% | 3,689 |
| Noncurrent loans to loans | 2.0850% | 3,544 |
| Net loans and leases to total assets | 84.9792% | 355 |
| Net loans and leases to deposits | 94.3719% | 1,553 |
| Net loans and leases to core deposits | 130.1557% | 1,275 |
| Total domestic deposits to total assets | 90.0472% | 935 |
| Equity capital to assets | 9.6345% | 4,236 |
| Core capital (leverage) ratio | 9.4917% | 3,733 |
| Tier 1 risk-based capital ratio | 11.6428% | 5,255 |
| Total risk-based capital ratio | 12.5210% | 5,594 |
| Memoranda: | ||
| Average total assets | $48,445,600 | 6,771 |
| Average earning assets | $44,693,000 | 6,733 |
| Average equity | $4,896,200 | 6,980 |
| Average total loans | $41,894,600 | 6,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6442% | 120 |
| Cost of funding earning assets | 2.0088% | 3,315 |
| Net interest margin | 5.6354% | 155 |
| Noninterest income to average assets | 1.0196% | 1,534 |
| Noninterest expense to average assets | 3.2393% | 3,158 |
| Loan and lease loss provision to assets | 0.2500% | 4,952 |
| Net operating income to assets | 2.7365% | 78 |
| Return on assets (ROA) | 2.7365% | 86 |
| Pretax return on assets | 2.7365% | 141 |
| Return on Equity (ROE) | 26.7488% | 91 |
| Retained earnings to average equity (ytd only) | -4.8880% | 6,242 |
| Net charge-offs to loans | 0.1442% | 5,249 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 23.8883% | 1,104 |
| Efficiency ratio | 52.0303% | 7,410 |
| Assets per employee ($millions) | 3.2885% | 5,432 |
| Cash dividends to net income (ytd only)* | 118.2738% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,346 |
| Loan loss allowance to noncurrent loans | 101.0504% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 5,131 |
| Noncurrent loans to loans | 1.1503% | 5,019 |
| Net loans and leases to total assets | 82.9144% | 679 |
| Net loans and leases to deposits | 92.1254% | 2,211 |
| Net loans and leases to core deposits | 125.9857% | 1,734 |
| Total domestic deposits to total assets | 90.0016% | 765 |
| Equity capital to assets | 9.7004% | 4,493 |
| Core capital (leverage) ratio | 9.8363% | 3,470 |
| Tier 1 risk-based capital ratio | 12.0273% | 4,949 |
| Total risk-based capital ratio | 13.2432% | 4,919 |
| Memoranda: | ||
| Average total assets | $47,992,750 | 6,836 |
| Average earning assets | $44,337,750 | 6,803 |
| Average equity | $4,909,750 | 7,036 |
| Average total loans | $41,601,000 | 6,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8211% | 106 |
| Cost of funding earning assets | 2.0635% | 3,455 |
| Net interest margin | 5.7576% | 130 |
| Noninterest income to average assets | 1.0348% | 1,485 |
| Noninterest expense to average assets | 2.8603% | 4,683 |
| Loan and lease loss provision to assets | 0.2524% | 4,556 |
| Net operating income to assets | 3.2389% | 49 |
| Return on assets (ROA) | 3.2389% | 55 |
| Pretax return on assets | 3.2389% | 85 |
| Return on Equity (ROE) | 31.1028% | 63 |
| Retained earnings to average equity (ytd only) | -7.8767% | 6,655 |
| Net charge-offs to loans | 0.0144% | 6,339 |
| Credit loss provision to net charge-offs | 2,000.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 276.6667% | 145 |
| Efficiency ratio | 45.0331% | 7,890 |
| Assets per employee ($millions) | 3.2411% | 5,474 |
| Cash dividends to net income (ytd only)* | 125.3247% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 4,910 |
| Loan loss allowance to noncurrent loans | 62.9962% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 3,808 |
| Noncurrent loans to loans | 1.9103% | 3,657 |
| Net loans and leases to total assets | 83.0817% | 775 |
| Net loans and leases to deposits | 92.2696% | 2,420 |
| Net loans and leases to core deposits | 122.8362% | 2,129 |
| Total domestic deposits to total assets | 90.0424% | 812 |
| Equity capital to assets | 9.7211% | 4,320 |
| Core capital (leverage) ratio | 10.0129% | 3,285 |
| Tier 1 risk-based capital ratio | 12.0460% | 4,879 |
| Total risk-based capital ratio | 13.2956% | 4,797 |
| Memoranda: | ||
| Average total assets | $47,547,670 | 6,919 |
| Average earning assets | $43,907,000 | 6,884 |
| Average equity | $4,951,330 | 7,083 |
| Average total loans | $41,674,330 | 6,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0626% | 87 |
| Cost of funding earning assets | 2.1445% | 3,442 |
| Net interest margin | 5.9181% | 110 |
| Noninterest income to average assets | 1.0210% | 1,424 |
| Noninterest expense to average assets | 2.5695% | 5,573 |
| Loan and lease loss provision to assets | 0.2552% | 3,924 |
| Net operating income to assets | 3.6670% | 40 |
| Return on assets (ROA) | 3.6670% | 47 |
| Pretax return on assets | 3.6670% | 73 |
| Return on Equity (ROE) | 34.0442% | 65 |
| Retained earnings to average equity (ytd only) | 19.4313% | 181 |
| Net charge-offs to loans | 0.0475% | 4,816 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 92.2000% | 466 |
| Efficiency ratio | 39.5806% | 8,056 |
| Assets per employee ($millions) | 3.4169% | 5,029 |
| Cash dividends to net income (ytd only)* | 42.9234% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,470 |
| Loan loss allowance to noncurrent loans | 97.2574% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 4,715 |
| Noncurrent loans to loans | 1.1311% | 4,725 |
| Net loans and leases to total assets | 86.6380% | 374 |
| Net loans and leases to deposits | 97.4855% | 1,739 |
| Net loans and leases to core deposits | 122.4228% | 2,219 |
| Total domestic deposits to total assets | 88.8726% | 1,291 |
| Equity capital to assets | 10.8514% | 3,122 |
| Core capital (leverage) ratio | 10.9870% | 2,509 |
| Tier 1 risk-based capital ratio | 13.2984% | 3,996 |
| Total risk-based capital ratio | 14.4810% | 3,955 |
| Memoranda: | ||
| Average total assets | $47,013,500 | 6,992 |
| Average earning assets | $43,460,000 | 6,959 |
| Average equity | $5,064,000 | 7,090 |
| Average total loans | $42,070,000 | 6,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2338% | 140 |
| Cost of funding earning assets | 2.6864% | 3,225 |
| Net interest margin | 5.5474% | 194 |
| Noninterest income to average assets | 1.0672% | 1,378 |
| Noninterest expense to average assets | 3.6038% | 2,132 |
| Loan and lease loss provision to assets | 0.2608% | 4,317 |
| Net operating income to assets | 2.3105% | 191 |
| Return on assets (ROA) | 2.3105% | 184 |
| Pretax return on assets | 2.3105% | 307 |
| Return on Equity (ROE) | 22.2599% | 244 |
| Retained earnings to average equity (ytd only) | 10.1143% | 434 |
| Net charge-offs to loans | 0.0438% | 6,158 |
| Credit loss provision to net charge-offs | 705.8824% | 595 |
| Earnings coverage of net charge-offs (x) | 69.5882% | 588 |
| Efficiency ratio | 58.3597% | 6,633 |
| Assets per employee ($millions) | 3.2993% | 5,212 |
| Cash dividends to net income (ytd only)* | 54.5626% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 5,760 |
| Loan loss allowance to noncurrent loans | 84.4961% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 4,043 |
| Noncurrent loans to loans | 1.2218% | 4,071 |
| Net loans and leases to total assets | 90.4914% | 165 |
| Net loans and leases to deposits | 103.1464% | 1,448 |
| Net loans and leases to core deposits | 122.7007% | 2,429 |
| Total domestic deposits to total assets | 87.7311% | 1,590 |
| Equity capital to assets | 10.6885% | 3,309 |
| Core capital (leverage) ratio | 10.7208% | 2,799 |
| Tier 1 risk-based capital ratio | 12.8057% | 4,216 |
| Total risk-based capital ratio | 13.9364% | 4,217 |
| Memoranda: | ||
| Average total assets | $46,006,600 | 6,936 |
| Average earning assets | $42,362,200 | 6,934 |
| Average equity | $4,775,400 | 7,215 |
| Average total loans | $38,810,000 | 6,233 |