Home > The Farmers & Merchants Bank > Performance and Condition Ratios
The Farmers & Merchants 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 | 3.2013% | 4,484 |
| Cost of funding earning assets | 1.8998% | 1,070 |
| Net interest margin | 1.3015% | 4,526 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.1324% | 4,479 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.1922% | 4,177 |
| Return on assets (ROA) | 0.1700% | 4,215 |
| Pretax return on assets | 0.2224% | 4,173 |
| Return on Equity (ROE) | 2.0700% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.1830% | 3,789 |
| Net charge-offs to loans | -0.4396% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.6364% | 740 |
| Assets per employee ($millions) | 13.6023% | 279 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4052% | 88 |
| Loan loss allowance to noncurrent loans | 183.6957% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 2,976 |
| Noncurrent loans to loans | 1.8537% | 317 |
| Net loans and leases to total assets | 4.4100% | 4,464 |
| Net loans and leases to deposits | 4.8740% | 4,467 |
| Net loans and leases to core deposits | 5.6862% | 4,484 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 9.0922% | 2,612 |
| Core capital (leverage) ratio | 17.4096% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $102,967,800 | 3,803 |
| Average earning assets | $97,273,800 | 3,772 |
| Average equity | $8,452,800 | 3,885 |
| Average total loans | $4,777,200 | 4,462 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 4,476 |
| Cost of funding earning assets | 1.7356% | 1,120 |
| Net interest margin | 1.4726% | 4,533 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 0.8840% | 4,531 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.5959% | 3,553 |
| Return on assets (ROA) | 0.5609% | 3,626 |
| Pretax return on assets | 0.6121% | 3,715 |
| Return on Equity (ROE) | 7.0400% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.0351% | 2,273 |
| Net charge-offs to loans | -0.4228% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2684% | 3,174 |
| Assets per employee ($millions) | 12.4553% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6070% | 73 |
| Loan loss allowance to noncurrent loans | 1,086.6667% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,691 |
| Noncurrent loans to loans | 0.3319% | 2,041 |
| Net loans and leases to total assets | 4.3700% | 4,490 |
| Net loans and leases to deposits | 4.6741% | 4,492 |
| Net loans and leases to core deposits | 5.4840% | 4,474 |
| Total domestic deposits to total assets | 93.5300% | 240 |
| Equity capital to assets | 5.9302% | 4,016 |
| Core capital (leverage) ratio | 17.9984% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $101,505,250 | 3,831 |
| Average earning assets | $95,795,000 | 3,800 |
| Average equity | $8,092,500 | 3,925 |
| Average total loans | $4,730,750 | 4,488 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 4,508 |
| Cost of funding earning assets | 1.4620% | 1,314 |
| Net interest margin | 1.7023% | 4,554 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 0.8734% | 4,567 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.8367% | 2,967 |
| Return on assets (ROA) | 0.7833% | 3,146 |
| Pretax return on assets | 0.8303% | 3,327 |
| Return on Equity (ROE) | 9.0700% | 2,972 |
| Retained earnings to average equity (ytd only) | 9.0700% | 1,665 |
| Net charge-offs to loans | -0.3749% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3386% | 3,894 |
| Assets per employee ($millions) | 12.4060% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3383% | 104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 4.6100% | 4,521 |
| Net loans and leases to deposits | 5.1044% | 4,522 |
| Net loans and leases to core deposits | 5.7415% | 4,507 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 9.2062% | 2,372 |
| Core capital (leverage) ratio | 18.2569% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2234% | 147 |
| Memoranda: | ||
| Average total assets | $102,126,333 | 3,842 |
| Average earning assets | $96,577,667 | 3,808 |
| Average equity | $8,820,333 | 3,865 |
| Average total loans | $4,801,333 | 4,519 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1965% | 4,490 |
| Cost of funding earning assets | 1.3816% | 1,060 |
| Net interest margin | 1.8149% | 4,603 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 0.8304% | 4,643 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.0303% | 2,438 |
| Return on assets (ROA) | 0.9154% | 2,762 |
| Pretax return on assets | 0.9540% | 3,113 |
| Return on Equity (ROE) | 10.9400% | 2,510 |
| Retained earnings to average equity (ytd only) | 10.9444% | 1,477 |
| Net charge-offs to loans | -0.2482% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.7917% | 4,278 |
| Assets per employee ($millions) | 12.7298% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3660% | 101 |
| Loan loss allowance to noncurrent loans | 15,100.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,929 |
| Noncurrent loans to loans | 0.0223% | 3,616 |
| Net loans and leases to total assets | 4.2600% | 4,594 |
| Net loans and leases to deposits | 4.7097% | 4,597 |
| Net loans and leases to core deposits | 5.2973% | 4,580 |
| Total domestic deposits to total assets | 90.3800% | 1,015 |
| Equity capital to assets | 9.1921% | 2,377 |
| Core capital (leverage) ratio | 17.3602% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4790% | 155 |
| Memoranda: | ||
| Average total assets | $103,565,500 | 3,875 |
| Average earning assets | $97,857,500 | 3,845 |
| Average equity | $8,662,000 | 3,928 |
| Average total loans | $4,835,500 | 4,588 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7370% | 4,377 |
| Cost of funding earning assets | 0.7619% | 450 |
| Net interest margin | 1.9752% | 4,557 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.2708% | 4,571 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 0.8688% | 3,088 |
| Return on assets (ROA) | 0.8497% | 3,083 |
| Pretax return on assets | 0.8884% | 3,398 |
| Return on Equity (ROE) | 7.5900% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.3219% | 2,523 |
| Net charge-offs to loans | -0.4062% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3726% | 2,712 |
| Assets per employee ($millions) | 13.1616% | 294 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1051% | 111 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 4.7700% | 4,622 |
| Net loans and leases to deposits | 5.1878% | 4,624 |
| Net loans and leases to core deposits | 5.7646% | 4,608 |
| Total domestic deposits to total assets | 91.9700% | 649 |
| Equity capital to assets | 7.5627% | 3,350 |
| Core capital (leverage) ratio | 16.8475% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6409% | 169 |
| Memoranda: | ||
| Average total assets | $105,915,800 | 3,878 |
| Average earning assets | $101,460,400 | 3,824 |
| Average equity | $11,863,600 | 3,679 |
| Average total loans | $4,924,000 | 4,621 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5569% | 4,422 |
| Cost of funding earning assets | 0.6506% | 337 |
| Net interest margin | 1.9062% | 4,580 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 0.8070% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1192% | 2,008 |
| Return on assets (ROA) | 1.0936% | 2,094 |
| Pretax return on assets | 1.1288% | 2,633 |
| Return on Equity (ROE) | 9.0300% | 3,022 |
| Retained earnings to average equity (ytd only) | 9.0349% | 1,639 |
| Net charge-offs to loans | -0.0823% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.1275% | 4,547 |
| Assets per employee ($millions) | 13.0605% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5036% | 30 |
| Loan loss allowance to noncurrent loans | 207.0423% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,653 |
| Noncurrent loans to loans | 2.6582% | 191 |
| Net loans and leases to total assets | 4.8300% | 4,665 |
| Net loans and leases to deposits | 5.1748% | 4,669 |
| Net loans and leases to core deposits | 5.7191% | 4,652 |
| Total domestic deposits to total assets | 93.3600% | 484 |
| Equity capital to assets | 6.2823% | 3,853 |
| Core capital (leverage) ratio | 20.8942% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1844% | 163 |
| Memoranda: | ||
| Average total assets | $106,071,500 | 3,898 |
| Average earning assets | $102,049,250 | 3,838 |
| Average equity | $12,838,750 | 3,628 |
| Average total loans | $4,858,750 | 4,660 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4968% | 4,374 |
| Cost of funding earning assets | 0.5583% | 373 |
| Net interest margin | 1.9385% | 4,582 |
| Noninterest income to average assets | 0.1182% | 4,409 |
| Noninterest expense to average assets | 0.7955% | 4,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1702% | 1,536 |
| Return on assets (ROA) | 1.1426% | 1,603 |
| Pretax return on assets | 1.1707% | 2,166 |
| Return on Equity (ROE) | 8.1579% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.1579% | 1,563 |
| Net charge-offs to loans | -0.1277% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8871% | 4,613 |
| Assets per employee ($millions) | 12.2074% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6834% | 31 |
| Loan loss allowance to noncurrent loans | 197.3154% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,649 |
| Noncurrent loans to loans | 2.8803% | 179 |
| Net loans and leases to total assets | 4.9960% | 4,727 |
| Net loans and leases to deposits | 5.5974% | 4,731 |
| Net loans and leases to core deposits | 6.2363% | 4,720 |
| Total domestic deposits to total assets | 89.2544% | 2,069 |
| Equity capital to assets | 10.4271% | 1,467 |
| Core capital (leverage) ratio | 19.8686% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4997% | 111 |
| Memoranda: | ||
| Average total assets | $106,600,667 | 3,932 |
| Average earning assets | $103,173,000 | 3,879 |
| Average equity | $14,930,333 | 3,500 |
| Average total loans | $4,697,667 | 4,722 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3295% | 4,437 |
| Cost of funding earning assets | 0.5316% | 418 |
| Net interest margin | 1.7979% | 4,620 |
| Noninterest income to average assets | 0.1296% | 4,365 |
| Noninterest expense to average assets | 0.8283% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0516% | 1,685 |
| Return on assets (ROA) | 1.0516% | 1,677 |
| Pretax return on assets | 1.0552% | 2,278 |
| Return on Equity (ROE) | 6.7499% | 3,115 |
| Retained earnings to average equity (ytd only) | 6.7499% | 1,978 |
| Net charge-offs to loans | -0.1794% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9771% | 4,553 |
| Assets per employee ($millions) | 13.4566% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7746% | 24 |
| Loan loss allowance to noncurrent loans | 199.3197% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,838 |
| Noncurrent loans to loans | 3.3988% | 135 |
| Net loans and leases to total assets | 3.7454% | 4,759 |
| Net loans and leases to deposits | 4.3522% | 4,761 |
| Net loans and leases to core deposits | 4.8161% | 4,751 |
| Total domestic deposits to total assets | 86.0571% | 3,239 |
| Equity capital to assets | 13.6318% | 581 |
| Core capital (leverage) ratio | 17.8852% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7751% | 117 |
| Memoranda: | ||
| Average total assets | $111,071,500 | 3,903 |
| Average earning assets | $108,351,000 | 3,832 |
| Average equity | $17,304,000 | 3,376 |
| Average total loans | $4,460,000 | 4,753 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3892% | 4,544 |
| Cost of funding earning assets | 0.6619% | 394 |
| Net interest margin | 1.7273% | 4,683 |
| Noninterest income to average assets | 0.1358% | 4,471 |
| Noninterest expense to average assets | 1.2576% | 4,696 |
| Loan and lease loss provision to assets | 0.0361% | 2,326 |
| Net operating income to assets | 0.5138% | 4,058 |
| Return on assets (ROA) | 0.5804% | 3,961 |
| Pretax return on assets | 0.6070% | 4,096 |
| Return on Equity (ROE) | 3.0408% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.2943% | 3,886 |
| Net charge-offs to loans | -0.3839% | 4,769 |
| Credit loss provision to net charge-offs | -200.0000% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6722% | 1,900 |
| Assets per employee ($millions) | 12.7211% | 338 |
| Cash dividends to net income (ytd only)* | 24.5499% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3330% | 24 |
| Loan loss allowance to noncurrent loans | 194.0000% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 3,021 |
| Noncurrent loans to loans | 3.2644% | 164 |
| Net loans and leases to total assets | 3.7593% | 4,802 |
| Net loans and leases to deposits | 4.5781% | 4,804 |
| Net loans and leases to core deposits | 5.0902% | 4,793 |
| Total domestic deposits to total assets | 82.1146% | 3,945 |
| Equity capital to assets | 17.4103% | 280 |
| Core capital (leverage) ratio | 17.3198% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3146% | 116 |
| Memoranda: | ||
| Average total assets | $105,279,600 | 3,940 |
| Average earning assets | $103,338,000 | 3,874 |
| Average equity | $20,093,600 | 3,209 |
| Average total loans | $4,948,800 | 4,791 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4275% | 4,614 |
| Cost of funding earning assets | 0.6877% | 405 |
| Net interest margin | 1.7398% | 4,762 |
| Noninterest income to average assets | 0.1126% | 4,613 |
| Noninterest expense to average assets | 0.8079% | 4,867 |
| Loan and lease loss provision to assets | 0.0495% | 2,006 |
| Net operating income to assets | 0.9458% | 3,099 |
| Return on assets (ROA) | 1.0384% | 2,836 |
| Pretax return on assets | 1.0565% | 3,307 |
| Return on Equity (ROE) | 5.3110% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.3110% | 3,097 |
| Net charge-offs to loans | -0.6617% | 4,854 |
| Credit loss provision to net charge-offs | -152.0000% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4128% | 4,569 |
| Assets per employee ($millions) | 12.2003% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8119% | 27 |
| Loan loss allowance to noncurrent loans | 688.3721% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,894 |
| Noncurrent loans to loans | 0.8443% | 1,352 |
| Net loans and leases to total assets | 4.3687% | 4,873 |
| Net loans and leases to deposits | 5.3968% | 4,875 |
| Net loans and leases to core deposits | 6.0388% | 4,863 |
| Total domestic deposits to total assets | 80.9504% | 4,098 |
| Equity capital to assets | 18.6907% | 242 |
| Core capital (leverage) ratio | 17.8350% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9404% | 118 |
| Memoranda: | ||
| Average total assets | $102,977,000 | 4,020 |
| Average earning assets | $101,007,250 | 3,946 |
| Average equity | $20,133,750 | 3,236 |
| Average total loans | $5,037,250 | 4,860 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4563% | 4,647 |
| Cost of funding earning assets | 0.7128% | 436 |
| Net interest margin | 1.7435% | 4,804 |
| Noninterest income to average assets | 0.1211% | 4,591 |
| Noninterest expense to average assets | 0.8183% | 4,902 |
| Loan and lease loss provision to assets | 0.0755% | 1,577 |
| Net operating income to assets | 0.9374% | 3,103 |
| Return on assets (ROA) | 0.9394% | 3,176 |
| Pretax return on assets | 0.9394% | 3,570 |
| Return on Equity (ROE) | 4.7291% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,287 |
| Net charge-offs to loans | -0.7970% | 4,892 |
| Credit loss provision to net charge-offs | -190.0000% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6855% | 4,584 |
| Assets per employee ($millions) | 11.9214% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1203% | 25 |
| Loan loss allowance to noncurrent loans | 121.6667% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,811 |
| Noncurrent loans to loans | 5.0304% | 83 |
| Net loans and leases to total assets | 4.1746% | 4,909 |
| Net loans and leases to deposits | 5.1698% | 4,913 |
| Net loans and leases to core deposits | 5.8026% | 4,901 |
| Total domestic deposits to total assets | 80.7490% | 4,118 |
| Equity capital to assets | 18.8987% | 229 |
| Core capital (leverage) ratio | 20.3881% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,701,667 | 4,060 |
| Average earning assets | $98,767,333 | 3,985 |
| Average equity | $20,004,000 | 3,239 |
| Average total loans | $5,018,667 | 4,902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5358% | 4,624 |
| Cost of funding earning assets | 0.7545% | 440 |
| Net interest margin | 1.7813% | 4,816 |
| Noninterest income to average assets | 0.1437% | 4,487 |
| Noninterest expense to average assets | 0.9158% | 4,921 |
| Loan and lease loss provision to assets | 0.0945% | 1,418 |
| Net operating income to assets | 0.9199% | 3,081 |
| Return on assets (ROA) | 0.9199% | 3,155 |
| Pretax return on assets | 0.8788% | 3,648 |
| Return on Equity (ROE) | 4.5099% | 4,184 |
| Retained earnings to average equity (ytd only) | 4.5099% | 3,362 |
| Net charge-offs to loans | -1.1667% | 4,915 |
| Credit loss provision to net charge-offs | -153.3333% | 2,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4783% | 4,309 |
| Assets per employee ($millions) | 10.8209% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7517% | 29 |
| Loan loss allowance to noncurrent loans | 292.4731% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 3,710 |
| Noncurrent loans to loans | 1.9666% | 554 |
| Net loans and leases to total assets | 4.5765% | 4,935 |
| Net loans and leases to deposits | 5.7312% | 4,939 |
| Net loans and leases to core deposits | 6.4643% | 4,928 |
| Total domestic deposits to total assets | 79.8528% | 4,225 |
| Equity capital to assets | 19.7437% | 194 |
| Core capital (leverage) ratio | 19.5153% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0030% | 111 |
| Memoranda: | ||
| Average total assets | $97,406,000 | 4,102 |
| Average earning assets | $95,433,500 | 4,031 |
| Average equity | $19,867,500 | 3,247 |
| Average total loans | $5,142,500 | 4,926 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8145% | 4,745 |
| Cost of funding earning assets | 0.9716% | 665 |
| Net interest margin | 1.8429% | 4,875 |
| Noninterest income to average assets | 0.1657% | 4,466 |
| Noninterest expense to average assets | 1.3712% | 4,848 |
| Loan and lease loss provision to assets | 0.0969% | 3,133 |
| Net operating income to assets | 0.4496% | 4,142 |
| Return on assets (ROA) | 0.5231% | 4,063 |
| Pretax return on assets | 0.5769% | 4,127 |
| Return on Equity (ROE) | 2.4658% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.7047% | 3,947 |
| Net charge-offs to loans | 2.9526% | 31 |
| Credit loss provision to net charge-offs | 52.0231% | 3,132 |
| Earnings coverage of net charge-offs (x) | 3.1850% | 3,106 |
| Efficiency ratio | 69.8082% | 1,975 |
| Assets per employee ($millions) | 10.8249% | 413 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2117% | 62 |
| Loan loss allowance to noncurrent loans | 164.7887% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 3,560 |
| Noncurrent loans to loans | 2.5558% | 391 |
| Net loans and leases to total assets | 5.4627% | 4,959 |
| Net loans and leases to deposits | 6.9922% | 4,961 |
| Net loans and leases to core deposits | 7.9021% | 4,951 |
| Total domestic deposits to total assets | 78.1255% | 4,306 |
| Equity capital to assets | 21.0492% | 164 |
| Core capital (leverage) ratio | 19.5646% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2837% | 108 |
| Memoranda: | ||
| Average total assets | $92,911,800 | 4,082 |
| Average earning assets | $90,674,600 | 4,021 |
| Average equity | $19,710,000 | 3,213 |
| Average total loans | $5,859,200 | 4,943 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 4,801 |
| Cost of funding earning assets | 1.0242% | 702 |
| Net interest margin | 1.8532% | 4,927 |
| Noninterest income to average assets | 0.1424% | 4,595 |
| Noninterest expense to average assets | 0.9486% | 4,980 |
| Loan and lease loss provision to assets | 0.0970% | 3,111 |
| Net operating income to assets | 0.8550% | 2,888 |
| Return on assets (ROA) | 0.9544% | 2,636 |
| Pretax return on assets | 1.0067% | 3,049 |
| Return on Equity (ROE) | 4.4897% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.4897% | 2,804 |
| Net charge-offs to loans | 3.0103% | 33 |
| Credit loss provision to net charge-offs | 50.0000% | 2,886 |
| Earnings coverage of net charge-offs (x) | 5.1343% | 2,760 |
| Efficiency ratio | 48.6950% | 4,572 |
| Assets per employee ($millions) | 10.3567% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0923% | 61 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,322 |
| Noncurrent loans to loans | 3.4376% | 239 |
| Net loans and leases to total assets | 6.2858% | 4,989 |
| Net loans and leases to deposits | 8.1589% | 4,991 |
| Net loans and leases to core deposits | 9.2561% | 4,984 |
| Total domestic deposits to total assets | 77.0422% | 4,319 |
| Equity capital to assets | 22.2970% | 143 |
| Core capital (leverage) ratio | 20.7262% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3826% | 100 |
| Memoranda: | ||
| Average total assets | $91,783,750 | 4,102 |
| Average earning assets | $89,430,750 | 4,031 |
| Average equity | $19,510,750 | 3,233 |
| Average total loans | $5,935,000 | 4,975 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9357% | 4,866 |
| Cost of funding earning assets | 1.0769% | 772 |
| Net interest margin | 1.8587% | 4,975 |
| Noninterest income to average assets | 0.1555% | 4,518 |
| Noninterest expense to average assets | 0.9638% | 5,014 |
| Loan and lease loss provision to assets | 0.0986% | 3,040 |
| Net operating income to assets | 0.8564% | 2,848 |
| Return on assets (ROA) | 0.9813% | 2,525 |
| Pretax return on assets | 1.0317% | 2,924 |
| Return on Equity (ROE) | 4.6944% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.6944% | 2,609 |
| Net charge-offs to loans | 3.1989% | 31 |
| Credit loss provision to net charge-offs | 47.8723% | 2,635 |
| Earnings coverage of net charge-offs (x) | 4.8511% | 2,565 |
| Efficiency ratio | 49.1071% | 4,554 |
| Assets per employee ($millions) | 10.2666% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5749% | 47 |
| Loan loss allowance to noncurrent loans | 85.6230% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,951 |
| Noncurrent loans to loans | 5.3431% | 94 |
| Net loans and leases to total assets | 6.0498% | 5,024 |
| Net loans and leases to deposits | 7.7970% | 5,029 |
| Net loans and leases to core deposits | 8.8470% | 5,017 |
| Total domestic deposits to total assets | 77.5917% | 4,242 |
| Equity capital to assets | 21.8628% | 151 |
| Core capital (leverage) ratio | 20.6042% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.4990% | 88 |
| Memoranda: | ||
| Average total assets | $91,308,333 | 4,109 |
| Average earning assets | $88,769,667 | 4,044 |
| Average equity | $19,086,667 | 3,261 |
| Average total loans | $5,877,000 | 5,010 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0077% | 4,953 |
| Cost of funding earning assets | 1.0966% | 1,054 |
| Net interest margin | 1.9111% | 5,036 |
| Noninterest income to average assets | 0.2071% | 4,309 |
| Noninterest expense to average assets | 1.0357% | 5,056 |
| Loan and lease loss provision to assets | 0.1014% | 2,421 |
| Net operating income to assets | 0.8892% | 2,555 |
| Return on assets (ROA) | 1.1414% | 1,824 |
| Pretax return on assets | 1.1811% | 2,262 |
| Return on Equity (ROE) | 5.5911% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.5911% | 2,035 |
| Net charge-offs to loans | 6.3875% | 11 |
| Credit loss provision to net charge-offs | 24.4681% | 2,179 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 2,287 |
| Efficiency ratio | 50.3212% | 4,648 |
| Assets per employee ($millions) | 10.0023% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4136% | 56 |
| Loan loss allowance to noncurrent loans | 84.7751% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,159 |
| Noncurrent loans to loans | 5.2063% | 116 |
| Net loans and leases to total assets | 5.8942% | 5,072 |
| Net loans and leases to deposits | 7.4388% | 5,075 |
| Net loans and leases to core deposits | 8.4461% | 5,063 |
| Total domestic deposits to total assets | 79.2360% | 4,005 |
| Equity capital to assets | 20.2819% | 234 |
| Core capital (leverage) ratio | 20.6691% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.1558% | 99 |
| Memoranda: | ||
| Average total assets | $90,763,000 | 4,110 |
| Average earning assets | $87,907,500 | 4,055 |
| Average equity | $18,529,500 | 3,317 |
| Average total loans | $5,886,500 | 5,058 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2319% | 4,986 |
| Cost of funding earning assets | 1.0437% | 1,541 |
| Net interest margin | 2.1882% | 5,056 |
| Noninterest income to average assets | 0.2255% | 4,316 |
| Noninterest expense to average assets | 1.4565% | 5,019 |
| Loan and lease loss provision to assets | 0.1025% | 2,015 |
| Net operating income to assets | 0.7478% | 3,707 |
| Return on assets (ROA) | 0.8313% | 3,541 |
| Pretax return on assets | 0.8803% | 3,793 |
| Return on Equity (ROE) | 3.9643% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.8782% | 3,599 |
| Net charge-offs to loans | -0.3090% | 5,090 |
| Credit loss provision to net charge-offs | -450.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9671% | 3,388 |
| Assets per employee ($millions) | 10.1672% | 347 |
| Cash dividends to net income (ytd only)* | 27.3973% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0948% | 31 |
| Loan loss allowance to noncurrent loans | 90.3134% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 2,875 |
| Noncurrent loans to loans | 5.6413% | 78 |
| Net loans and leases to total assets | 6.4532% | 5,132 |
| Net loans and leases to deposits | 8.2021% | 5,137 |
| Net loans and leases to core deposits | 9.2084% | 5,129 |
| Total domestic deposits to total assets | 78.6777% | 4,247 |
| Equity capital to assets | 20.5464% | 229 |
| Core capital (leverage) ratio | 20.5526% | 216 |
| Tier 1 risk-based capital ratio | 47.8213% | 149 |
| Total risk-based capital ratio | 48.6410% | 152 |
| Memoranda: | ||
| Average total assets | $87,814,600 | 4,171 |
| Average earning assets | $85,275,800 | 4,107 |
| Average equity | $18,414,200 | 3,295 |
| Average total loans | $6,472,400 | 5,114 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 5,081 |
| Cost of funding earning assets | 1.0242% | 1,665 |
| Net interest margin | 2.2362% | 5,140 |
| Noninterest income to average assets | 0.1949% | 4,551 |
| Noninterest expense to average assets | 0.9912% | 5,201 |
| Loan and lease loss provision to assets | 0.1043% | 1,847 |
| Net operating income to assets | 1.2327% | 2,087 |
| Return on assets (ROA) | 1.3488% | 1,721 |
| Pretax return on assets | 1.3933% | 2,337 |
| Return on Equity (ROE) | 6.3981% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.3981% | 2,173 |
| Net charge-offs to loans | -0.0409% | 4,786 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8394% | 5,083 |
| Assets per employee ($millions) | 9.8407% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2734% | 52 |
| Loan loss allowance to noncurrent loans | 65.4846% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 2,616 |
| Noncurrent loans to loans | 6.5258% | 60 |
| Net loans and leases to total assets | 7.0061% | 5,211 |
| Net loans and leases to deposits | 9.0613% | 5,213 |
| Net loans and leases to core deposits | 10.2540% | 5,203 |
| Total domestic deposits to total assets | 77.3186% | 4,472 |
| Equity capital to assets | 22.0186% | 184 |
| Core capital (leverage) ratio | 21.6459% | 182 |
| Tier 1 risk-based capital ratio | 50.6274% | 134 |
| Total risk-based capital ratio | 51.3718% | 136 |
| Memoranda: | ||
| Average total assets | $86,892,000 | 4,243 |
| Average earning assets | $84,487,750 | 4,171 |
| Average equity | $18,317,500 | 3,322 |
| Average total loans | $6,535,000 | 5,192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2291% | 5,147 |
| Cost of funding earning assets | 0.9873% | 1,753 |
| Net interest margin | 2.2417% | 5,201 |
| Noninterest income to average assets | 0.1992% | 4,562 |
| Noninterest expense to average assets | 0.9915% | 5,253 |
| Loan and lease loss provision to assets | 0.1042% | 1,798 |
| Net operating income to assets | 1.2448% | 1,982 |
| Return on assets (ROA) | 1.2718% | 1,941 |
| Pretax return on assets | 1.3089% | 2,534 |
| Return on Equity (ROE) | 6.1262% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.1262% | 2,226 |
| Net charge-offs to loans | -0.1526% | 5,085 |
| Credit loss provision to net charge-offs | -900.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7154% | 5,122 |
| Assets per employee ($millions) | 9.5499% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9710% | 63 |
| Loan loss allowance to noncurrent loans | 52.5562% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 2,306 |
| Noncurrent loans to loans | 7.5556% | 46 |
| Net loans and leases to total assets | 7.2310% | 5,260 |
| Net loans and leases to deposits | 9.3511% | 5,261 |
| Net loans and leases to core deposits | 10.3576% | 5,251 |
| Total domestic deposits to total assets | 77.3284% | 4,516 |
| Equity capital to assets | 22.1015% | 175 |
| Core capital (leverage) ratio | 21.4292% | 180 |
| Tier 1 risk-based capital ratio | 50.5158% | 130 |
| Total risk-based capital ratio | 51.2171% | 134 |
| Memoranda: | ||
| Average total assets | $86,334,000 | 4,276 |
| Average earning assets | $83,863,330 | 4,207 |
| Average equity | $17,923,000 | 3,361 |
| Average total loans | $6,552,670 | 5,239 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 5,212 |
| Cost of funding earning assets | 0.9571% | 1,759 |
| Net interest margin | 2.2332% | 5,267 |
| Noninterest income to average assets | 0.2219% | 4,414 |
| Noninterest expense to average assets | 1.1234% | 5,301 |
| Loan and lease loss provision to assets | 0.1063% | 1,676 |
| Net operating income to assets | 1.1516% | 2,256 |
| Return on assets (ROA) | 1.2019% | 2,099 |
| Pretax return on assets | 1.2112% | 2,762 |
| Return on Equity (ROE) | 5.9817% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.9817% | 2,461 |
| Net charge-offs to loans | -0.0607% | 4,886 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0019% | 4,984 |
| Assets per employee ($millions) | 9.6822% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6978% | 72 |
| Loan loss allowance to noncurrent loans | 45.1172% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,299 |
| Noncurrent loans to loans | 8.1959% | 43 |
| Net loans and leases to total assets | 6.9038% | 5,320 |
| Net loans and leases to deposits | 8.7549% | 5,321 |
| Net loans and leases to core deposits | 9.6686% | 5,309 |
| Total domestic deposits to total assets | 78.8570% | 4,376 |
| Equity capital to assets | 20.7000% | 215 |
| Core capital (leverage) ratio | 21.3481% | 187 |
| Tier 1 risk-based capital ratio | 47.9538% | 148 |
| Total risk-based capital ratio | 48.5617% | 149 |
| Memoranda: | ||
| Average total assets | $86,526,500 | 4,319 |
| Average earning assets | $84,004,000 | 4,252 |
| Average equity | $17,386,500 | 3,439 |
| Average total loans | $6,593,000 | 5,297 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 5,113 |
| Cost of funding earning assets | 0.8821% | 1,166 |
| Net interest margin | 2.3695% | 5,262 |
| Noninterest income to average assets | 0.2617% | 4,366 |
| Noninterest expense to average assets | 1.5521% | 5,195 |
| Loan and lease loss provision to assets | 0.1534% | 1,378 |
| Net operating income to assets | 0.7703% | 3,912 |
| Return on assets (ROA) | 0.7790% | 3,885 |
| Pretax return on assets | 0.8468% | 4,046 |
| Return on Equity (ROE) | 3.9557% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.7479% | 4,026 |
| Net charge-offs to loans | 3.8530% | 29 |
| Credit loss provision to net charge-offs | 46.2366% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.9857% | 3,467 |
| Efficiency ratio | 61.0384% | 3,682 |
| Assets per employee ($millions) | 9.5459% | 393 |
| Cash dividends to net income (ytd only)* | 30.5344% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 136 |
| Loan loss allowance to noncurrent loans | 39.9614% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 2,230 |
| Noncurrent loans to loans | 7.4651% | 49 |
| Net loans and leases to total assets | 7.8358% | 5,361 |
| Net loans and leases to deposits | 9.8091% | 5,360 |
| Net loans and leases to core deposits | 10.7769% | 5,352 |
| Total domestic deposits to total assets | 79.8831% | 4,129 |
| Equity capital to assets | 19.4790% | 252 |
| Core capital (leverage) ratio | 21.4973% | 177 |
| Tier 1 risk-based capital ratio | 45.7442% | 169 |
| Total risk-based capital ratio | 46.2714% | 173 |
| Memoranda: | ||
| Average total assets | $84,080,200 | 4,356 |
| Average earning assets | $80,945,000 | 4,300 |
| Average equity | $16,558,200 | 3,454 |
| Average total loans | $7,241,200 | 5,335 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2525% | 5,165 |
| Cost of funding earning assets | 0.8592% | 1,078 |
| Net interest margin | 2.3934% | 5,322 |
| Noninterest income to average assets | 0.2280% | 4,605 |
| Noninterest expense to average assets | 0.9901% | 5,423 |
| Loan and lease loss provision to assets | 0.2057% | 825 |
| Net operating income to assets | 1.2618% | 1,991 |
| Return on assets (ROA) | 1.2740% | 1,955 |
| Pretax return on assets | 1.3457% | 2,445 |
| Return on Equity (ROE) | 6.4510% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.4510% | 2,409 |
| Net charge-offs to loans | 5.1388% | 19 |
| Credit loss provision to net charge-offs | 45.7447% | 2,864 |
| Earnings coverage of net charge-offs (x) | 3.4220% | 3,161 |
| Efficiency ratio | 39.1551% | 5,349 |
| Assets per employee ($millions) | 9.1916% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8936% | 154 |
| Loan loss allowance to noncurrent loans | 29.8682% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 1,792 |
| Noncurrent loans to loans | 9.6879% | 33 |
| Net loans and leases to total assets | 8.2757% | 5,434 |
| Net loans and leases to deposits | 10.3475% | 5,435 |
| Net loans and leases to core deposits | 11.4102% | 5,427 |
| Total domestic deposits to total assets | 79.9780% | 4,128 |
| Equity capital to assets | 19.5784% | 246 |
| Core capital (leverage) ratio | 22.3477% | 158 |
| Tier 1 risk-based capital ratio | 46.5468% | 167 |
| Total risk-based capital ratio | 47.0656% | 167 |
| Memoranda: | ||
| Average total assets | $83,622,000 | 4,409 |
| Average earning assets | $80,387,250 | 4,358 |
| Average equity | $16,514,000 | 3,485 |
| Average total loans | $7,316,750 | 5,405 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,177 |
| Cost of funding earning assets | 0.8083% | 1,093 |
| Net interest margin | 2.4523% | 5,361 |
| Noninterest income to average assets | 0.2264% | 4,669 |
| Noninterest expense to average assets | 0.9533% | 5,496 |
| Loan and lease loss provision to assets | 0.3074% | 453 |
| Net operating income to assets | 1.2520% | 1,972 |
| Return on assets (ROA) | 1.2679% | 1,905 |
| Pretax return on assets | 1.3393% | 2,366 |
| Return on Equity (ROE) | 6.4019% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.4019% | 2,361 |
| Net charge-offs to loans | 7.6428% | 7 |
| Credit loss provision to net charge-offs | 45.5830% | 2,517 |
| Earnings coverage of net charge-offs (x) | 2.4170% | 2,973 |
| Efficiency ratio | 36.9004% | 5,438 |
| Assets per employee ($millions) | 9.1732% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0083% | 139 |
| Loan loss allowance to noncurrent loans | 43.4690% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 2,534 |
| Noncurrent loans to loans | 6.9206% | 59 |
| Net loans and leases to total assets | 7.9277% | 5,498 |
| Net loans and leases to deposits | 9.9604% | 5,499 |
| Net loans and leases to core deposits | 10.9902% | 5,491 |
| Total domestic deposits to total assets | 79.5916% | 4,335 |
| Equity capital to assets | 20.0378% | 228 |
| Core capital (leverage) ratio | 22.0433% | 163 |
| Tier 1 risk-based capital ratio | 44.3401% | 182 |
| Total risk-based capital ratio | 44.8391% | 186 |
| Memoranda: | ||
| Average total assets | $83,921,330 | 4,454 |
| Average earning assets | $80,659,000 | 4,389 |
| Average equity | $16,620,000 | 3,483 |
| Average total loans | $7,405,670 | 5,466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1841% | 5,250 |
| Cost of funding earning assets | 0.7174% | 1,356 |
| Net interest margin | 2.4667% | 5,414 |
| Noninterest income to average assets | 0.2553% | 4,469 |
| Noninterest expense to average assets | 1.0307% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5184% | 1,037 |
| Return on assets (ROA) | 1.5319% | 1,008 |
| Pretax return on assets | 1.6122% | 1,356 |
| Return on Equity (ROE) | 7.7798% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.7798% | 1,927 |
| Net charge-offs to loans | 0.5172% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 33.8000% | 1,170 |
| Efficiency ratio | 39.2086% | 5,477 |
| Assets per employee ($millions) | 9.3123% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4487% | 47 |
| Loan loss allowance to noncurrent loans | 31.1770% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 1,115 |
| Noncurrent loans to loans | 14.2692% | 10 |
| Net loans and leases to total assets | 8.8926% | 5,558 |
| Net loans and leases to deposits | 11.1109% | 5,557 |
| Net loans and leases to core deposits | 12.4376% | 5,548 |
| Total domestic deposits to total assets | 80.0348% | 4,411 |
| Equity capital to assets | 19.5464% | 232 |
| Core capital (leverage) ratio | 20.9902% | 181 |
| Tier 1 risk-based capital ratio | 43.2340% | 192 |
| Total risk-based capital ratio | 44.0754% | 193 |
| Memoranda: | ||
| Average total assets | $84,602,500 | 4,482 |
| Average earning assets | $81,404,000 | 4,418 |
| Average equity | $16,658,500 | 3,513 |
| Average total loans | $7,734,500 | 5,522 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1841% | 5,211 |
| Cost of funding earning assets | 0.7242% | 914 |
| Net interest margin | 2.4599% | 5,432 |
| Noninterest income to average assets | 0.2665% | 4,531 |
| Noninterest expense to average assets | 1.5523% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0103% | 2,193 |
| Return on assets (ROA) | 1.0217% | 2,180 |
| Pretax return on assets | 1.1040% | 3,171 |
| Return on Equity (ROE) | 4.8565% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,019 |
| Net charge-offs to loans | -1.8140% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7088% | 4,445 |
| Assets per employee ($millions) | 8.5394% | 525 |
| Cash dividends to net income (ytd only)* | 24.0385% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6551% | 44 |
| Loan loss allowance to noncurrent loans | 35.0688% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 1,243 |
| Noncurrent loans to loans | 13.2742% | 10 |
| Net loans and leases to total assets | 8.5627% | 5,625 |
| Net loans and leases to deposits | 10.7419% | 5,627 |
| Net loans and leases to core deposits | 12.0003% | 5,617 |
| Total domestic deposits to total assets | 79.7129% | 4,390 |
| Equity capital to assets | 19.8316% | 215 |
| Core capital (leverage) ratio | 21.3194% | 163 |
| Tier 1 risk-based capital ratio | 42.0050% | 188 |
| Total risk-based capital ratio | 42.8616% | 190 |
| Memoranda: | ||
| Average total assets | $81,429,200 | 4,561 |
| Average earning assets | $78,703,200 | 4,481 |
| Average equity | $17,131,600 | 3,474 |
| Average total loans | $7,387,000 | 5,591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1962% | 5,234 |
| Cost of funding earning assets | 0.7207% | 879 |
| Net interest margin | 2.4754% | 5,488 |
| Noninterest income to average assets | 0.2354% | 4,803 |
| Noninterest expense to average assets | 0.9216% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6234% | 676 |
| Return on assets (ROA) | 1.6360% | 678 |
| Pretax return on assets | 1.7238% | 1,064 |
| Return on Equity (ROE) | 7.6596% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.6596% | 1,369 |
| Net charge-offs to loans | -2.3325% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0126% | 5,653 |
| Assets per employee ($millions) | 8.1094% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4487% | 51 |
| Loan loss allowance to noncurrent loans | 39.5716% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 1,520 |
| Noncurrent loans to loans | 11.2421% | 20 |
| Net loans and leases to total assets | 9.2966% | 5,689 |
| Net loans and leases to deposits | 12.0272% | 5,691 |
| Net loans and leases to core deposits | 13.2498% | 5,683 |
| Total domestic deposits to total assets | 77.2967% | 4,833 |
| Equity capital to assets | 22.1977% | 151 |
| Core capital (leverage) ratio | 22.2362% | 139 |
| Tier 1 risk-based capital ratio | 44.2213% | 176 |
| Total risk-based capital ratio | 45.0904% | 173 |
| Memoranda: | ||
| Average total assets | $80,438,000 | 4,625 |
| Average earning assets | $77,883,000 | 4,540 |
| Average equity | $17,180,750 | 3,505 |
| Average total loans | $7,316,500 | 5,655 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 5,132 |
| Cost of funding earning assets | 0.7172% | 818 |
| Net interest margin | 2.5630% | 5,461 |
| Noninterest income to average assets | 0.2543% | 4,717 |
| Noninterest expense to average assets | 0.8975% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7436% | 511 |
| Return on assets (ROA) | 1.7602% | 498 |
| Pretax return on assets | 1.8599% | 729 |
| Return on Equity (ROE) | 8.3514% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.3514% | 1,042 |
| Net charge-offs to loans | -5.1085% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7571% | 5,729 |
| Assets per employee ($millions) | 8.0273% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6438% | 30 |
| Loan loss allowance to noncurrent loans | 104.9223% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 3,167 |
| Noncurrent loans to loans | 5.3790% | 128 |
| Net loans and leases to total assets | 8.4350% | 5,742 |
| Net loans and leases to deposits | 10.9132% | 5,742 |
| Net loans and leases to core deposits | 12.0341% | 5,732 |
| Total domestic deposits to total assets | 77.2912% | 4,915 |
| Equity capital to assets | 22.2105% | 143 |
| Core capital (leverage) ratio | 21.9937% | 141 |
| Tier 1 risk-based capital ratio | 44.8549% | 166 |
| Total risk-based capital ratio | 45.8883% | 162 |
| Memoranda: | ||
| Average total assets | $80,219,330 | 4,660 |
| Average earning assets | $77,799,670 | 4,569 |
| Average equity | $16,907,330 | 3,545 |
| Average total loans | $7,125,330 | 5,704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 5,114 |
| Cost of funding earning assets | 0.7093% | 805 |
| Net interest margin | 2.5853% | 5,480 |
| Noninterest income to average assets | 0.2793% | 4,554 |
| Noninterest expense to average assets | 0.8829% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7778% | 468 |
| Return on assets (ROA) | 1.8057% | 452 |
| Pretax return on assets | 1.9353% | 577 |
| Return on Equity (ROE) | 8.8043% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.8043% | 1,142 |
| Net charge-offs to loans | -10.8169% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6637% | 5,794 |
| Assets per employee ($millions) | 7.9623% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9867% | 28 |
| Loan loss allowance to noncurrent loans | 144.0972% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,755 |
| Noncurrent loans to loans | 4.1546% | 244 |
| Net loans and leases to total assets | 8.1848% | 5,811 |
| Net loans and leases to deposits | 10.3992% | 5,809 |
| Net loans and leases to core deposits | 11.4552% | 5,798 |
| Total domestic deposits to total assets | 78.7059% | 4,882 |
| Equity capital to assets | 21.1346% | 167 |
| Core capital (leverage) ratio | 21.7250% | 146 |
| Tier 1 risk-based capital ratio | 43.8870% | 176 |
| Total risk-based capital ratio | 44.9438% | 177 |
| Memoranda: | ||
| Average total assets | $80,192,500 | 4,707 |
| Average earning assets | $77,825,500 | 4,615 |
| Average equity | $16,446,500 | 3,611 |
| Average total loans | $7,100,000 | 5,772 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 5,152 |
| Cost of funding earning assets | 0.7011% | 804 |
| Net interest margin | 2.6033% | 5,514 |
| Noninterest income to average assets | 0.2810% | 4,731 |
| Noninterest expense to average assets | 1.6457% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0909% | 1,930 |
| Return on assets (ROA) | 1.2626% | 1,396 |
| Pretax return on assets | 1.3445% | 2,119 |
| Return on Equity (ROE) | 5.8010% | 4,075 |
| Retained earnings to average equity (ytd only) | 4.6431% | 2,594 |
| Net charge-offs to loans | 0.1133% | 2,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 102.4444% | 592 |
| Efficiency ratio | 58.6176% | 4,772 |
| Assets per employee ($millions) | 8.0762% | 590 |
| Cash dividends to net income (ytd only)* | 19.9601% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0682% | 163 |
| Loan loss allowance to noncurrent loans | 80.2158% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 3,905 |
| Noncurrent loans to loans | 3.8250% | 290 |
| Net loans and leases to total assets | 8.7232% | 5,868 |
| Net loans and leases to deposits | 10.9105% | 5,864 |
| Net loans and leases to core deposits | 11.9817% | 5,856 |
| Total domestic deposits to total assets | 79.9522% | 4,587 |
| Equity capital to assets | 19.8918% | 210 |
| Core capital (leverage) ratio | 20.8964% | 169 |
| Tier 1 risk-based capital ratio | 42.5720% | 194 |
| Total risk-based capital ratio | 43.1347% | 201 |
| Memoranda: | ||
| Average total assets | $79,357,600 | 4,741 |
| Average earning assets | $77,017,400 | 4,647 |
| Average equity | $17,273,000 | 3,518 |
| Average total loans | $7,946,800 | 5,814 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 5,181 |
| Cost of funding earning assets | 0.6987% | 819 |
| Net interest margin | 2.6228% | 5,568 |
| Noninterest income to average assets | 0.2565% | 4,926 |
| Noninterest expense to average assets | 0.9856% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7410% | 552 |
| Return on assets (ROA) | 1.9711% | 371 |
| Pretax return on assets | 2.0572% | 504 |
| Return on Equity (ROE) | 8.8608% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.8608% | 861 |
| Net charge-offs to loans | 0.1150% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 153.9078% | 455 |
| Efficiency ratio | 35.1595% | 5,896 |
| Assets per employee ($millions) | 7.9738% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7210% | 260 |
| Loan loss allowance to noncurrent loans | 128.5714% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 4,556 |
| Noncurrent loans to loans | 2.1163% | 903 |
| Net loans and leases to total assets | 10.0880% | 5,930 |
| Net loans and leases to deposits | 13.2355% | 5,931 |
| Net loans and leases to core deposits | 14.5711% | 5,921 |
| Total domestic deposits to total assets | 76.2196% | 5,204 |
| Equity capital to assets | 22.7909% | 140 |
| Core capital (leverage) ratio | 21.9124% | 141 |
| Tier 1 risk-based capital ratio | 44.0155% | 185 |
| Total risk-based capital ratio | 44.5900% | 190 |
| Memoranda: | ||
| Average total assets | $79,006,500 | 4,786 |
| Average earning assets | $76,709,000 | 4,690 |
| Average equity | $17,575,000 | 3,501 |
| Average total loans | $8,116,500 | 5,871 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 5,217 |
| Cost of funding earning assets | 0.6955% | 825 |
| Net interest margin | 2.6381% | 5,631 |
| Noninterest income to average assets | 0.2895% | 4,714 |
| Noninterest expense to average assets | 0.9852% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7840% | 485 |
| Return on assets (ROA) | 2.1228% | 277 |
| Pretax return on assets | 2.2193% | 367 |
| Return on Equity (ROE) | 9.6227% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.6227% | 679 |
| Net charge-offs to loans | 0.2232% | 1,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 81.6667% | 693 |
| Efficiency ratio | 34.5503% | 5,981 |
| Assets per employee ($millions) | 8.0439% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7630% | 260 |
| Loan loss allowance to noncurrent loans | 129.6512% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,643 |
| Noncurrent loans to loans | 2.1311% | 907 |
| Net loans and leases to total assets | 9.7565% | 6,008 |
| Net loans and leases to deposits | 12.7786% | 6,007 |
| Net loans and leases to core deposits | 14.0522% | 6,000 |
| Total domestic deposits to total assets | 76.3498% | 5,244 |
| Equity capital to assets | 22.5251% | 144 |
| Core capital (leverage) ratio | 21.6875% | 141 |
| Tier 1 risk-based capital ratio | 44.2919% | 183 |
| Total risk-based capital ratio | 44.8761% | 190 |
| Memoranda: | ||
| Average total assets | $78,762,670 | 4,842 |
| Average earning assets | $76,494,330 | 4,747 |
| Average equity | $17,375,670 | 3,530 |
| Average total loans | $8,065,670 | 5,948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 5,119 |
| Cost of funding earning assets | 0.6922% | 835 |
| Net interest margin | 2.7107% | 5,604 |
| Noninterest income to average assets | 0.3799% | 3,990 |
| Noninterest expense to average assets | 1.0831% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8397% | 443 |
| Return on assets (ROA) | 2.4639% | 170 |
| Pretax return on assets | 2.5871% | 209 |
| Return on Equity (ROE) | 11.2915% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.2915% | 602 |
| Net charge-offs to loans | -0.1488% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9455% | 6,028 |
| Assets per employee ($millions) | 7.8319% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9932% | 225 |
| Loan loss allowance to noncurrent loans | 136.6279% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,683 |
| Noncurrent loans to loans | 2.1908% | 937 |
| Net loans and leases to total assets | 9.7243% | 6,072 |
| Net loans and leases to deposits | 12.6444% | 6,072 |
| Net loans and leases to core deposits | 13.9314% | 6,060 |
| Total domestic deposits to total assets | 76.9060% | 5,301 |
| Equity capital to assets | 22.1568% | 150 |
| Core capital (leverage) ratio | 21.4385% | 151 |
| Tier 1 risk-based capital ratio | 45.0603% | 175 |
| Total risk-based capital ratio | 45.7001% | 180 |
| Memoranda: | ||
| Average total assets | $77,924,500 | 4,901 |
| Average earning assets | $75,699,000 | 4,807 |
| Average equity | $17,004,000 | 3,589 |
| Average total loans | $8,063,000 | 6,006 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 5,001 |
| Cost of funding earning assets | 0.6836% | 893 |
| Net interest margin | 2.7882% | 5,537 |
| Noninterest income to average assets | 0.5098% | 3,256 |
| Noninterest expense to average assets | 1.7930% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3423% | 1,170 |
| Return on assets (ROA) | 1.3657% | 1,158 |
| Pretax return on assets | 1.4522% | 1,710 |
| Return on Equity (ROE) | 6.3992% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.1709% | 2,300 |
| Net charge-offs to loans | 0.6244% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,920 |
| Efficiency ratio | 55.6777% | 5,377 |
| Assets per employee ($millions) | 7.7535% | 624 |
| Cash dividends to net income (ytd only)* | 19.1939% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8036% | 277 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,611 |
| Noncurrent loans to loans | 0.1934% | 4,710 |
| Net loans and leases to total assets | 10.3734% | 6,129 |
| Net loans and leases to deposits | 13.3938% | 6,127 |
| Net loans and leases to core deposits | 14.6936% | 6,115 |
| Total domestic deposits to total assets | 77.4489% | 5,249 |
| Equity capital to assets | 21.5013% | 159 |
| Core capital (leverage) ratio | 20.3491% | 187 |
| Tier 1 risk-based capital ratio | 42.2791% | 201 |
| Total risk-based capital ratio | 42.8991% | 204 |
| Memoranda: | ||
| Average total assets | $76,298,600 | 4,942 |
| Average earning assets | $74,170,200 | 4,852 |
| Average equity | $16,283,400 | 3,631 |
| Average total loans | $8,808,000 | 6,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 5,000 |
| Cost of funding earning assets | 0.6841% | 911 |
| Net interest margin | 2.8067% | 5,568 |
| Noninterest income to average assets | 0.5369% | 3,125 |
| Noninterest expense to average assets | 1.0808% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0946% | 309 |
| Return on assets (ROA) | 2.1266% | 308 |
| Pretax return on assets | 2.2178% | 397 |
| Return on Equity (ROE) | 9.9834% | 2,112 |
| Retained earnings to average equity (ytd only) | 9.9834% | 636 |
| Net charge-offs to loans | 0.8947% | 217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.7495% | 1,857 |
| Efficiency ratio | 33.1005% | 6,210 |
| Assets per employee ($millions) | 8.5964% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 11.8861% | 6,210 |
| Net loans and leases to deposits | 15.3364% | 6,207 |
| Net loans and leases to core deposits | 16.8265% | 6,198 |
| Total domestic deposits to total assets | 77.5023% | 5,263 |
| Equity capital to assets | 21.8204% | 161 |
| Core capital (leverage) ratio | 21.2797% | 163 |
| Tier 1 risk-based capital ratio | 42.8432% | 210 |
| Total risk-based capital ratio | 43.4439% | 218 |
| Memoranda: | ||
| Average total assets | $75,989,500 | 5,002 |
| Average earning assets | $73,869,750 | 4,910 |
| Average equity | $16,186,500 | 3,679 |
| Average total loans | $8,941,250 | 6,117 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 5,002 |
| Cost of funding earning assets | 0.6757% | 962 |
| Net interest margin | 2.8173% | 5,578 |
| Noninterest income to average assets | 0.6699% | 2,357 |
| Noninterest expense to average assets | 1.0830% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2235% | 243 |
| Return on assets (ROA) | 2.2693% | 244 |
| Pretax return on assets | 2.3726% | 299 |
| Return on Equity (ROE) | 10.7429% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.7429% | 540 |
| Net charge-offs to loans | 1.4577% | 120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.7188% | 2,107 |
| Efficiency ratio | 31.7793% | 6,287 |
| Assets per employee ($millions) | 7.5477% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5218% | 475 |
| Loan loss allowance to noncurrent loans | 124.5810% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 4,932 |
| Noncurrent loans to loans | 2.0242% | 1,197 |
| Net loans and leases to total assets | 11.4207% | 6,288 |
| Net loans and leases to deposits | 14.5537% | 6,286 |
| Net loans and leases to core deposits | 15.9864% | 6,275 |
| Total domestic deposits to total assets | 78.4729% | 5,193 |
| Equity capital to assets | 21.1892% | 174 |
| Core capital (leverage) ratio | 20.9674% | 169 |
| Tier 1 risk-based capital ratio | 43.1976% | 214 |
| Total risk-based capital ratio | 43.8078% | 224 |
| Memoranda: | ||
| Average total assets | $75,530,000 | 5,063 |
| Average earning assets | $73,404,000 | 4,972 |
| Average equity | $15,954,670 | 3,733 |
| Average total loans | $8,780,670 | 6,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 4,882 |
| Cost of funding earning assets | 0.6647% | 1,025 |
| Net interest margin | 2.8660% | 5,517 |
| Noninterest income to average assets | 1.0429% | 1,026 |
| Noninterest expense to average assets | 1.0959% | 6,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.6020% | 127 |
| Return on assets (ROA) | 2.6523% | 129 |
| Pretax return on assets | 2.7847% | 167 |
| Return on Equity (ROE) | 12.5757% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.5757% | 494 |
| Net charge-offs to loans | 0.5486% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 932 |
| Efficiency ratio | 28.6307% | 6,375 |
| Assets per employee ($millions) | 6.9061% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2258% | 235 |
| Loan loss allowance to noncurrent loans | 561.2245% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,674 |
| Noncurrent loans to loans | 0.5748% | 3,860 |
| Net loans and leases to total assets | 10.8600% | 6,362 |
| Net loans and leases to deposits | 14.0092% | 6,357 |
| Net loans and leases to core deposits | 15.3964% | 6,345 |
| Total domestic deposits to total assets | 77.5205% | 5,531 |
| Equity capital to assets | 21.6225% | 164 |
| Core capital (leverage) ratio | 20.7570% | 179 |
| Tier 1 risk-based capital ratio | 43.0798% | 216 |
| Total risk-based capital ratio | 43.8410% | 222 |
| Memoranda: | ||
| Average total assets | $75,556,500 | 5,119 |
| Average earning assets | $73,412,500 | 5,015 |
| Average equity | $15,935,500 | 3,756 |
| Average total loans | $8,749,500 | 6,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 5,017 |
| Cost of funding earning assets | 0.7094% | 1,050 |
| Net interest margin | 2.9152% | 5,609 |
| Noninterest income to average assets | 0.5457% | 3,195 |
| Noninterest expense to average assets | 1.7950% | 6,071 |
| Loan and lease loss provision to assets | 0.0693% | 3,098 |
| Net operating income to assets | 1.4010% | 1,084 |
| Return on assets (ROA) | 1.4113% | 1,089 |
| Pretax return on assets | 1.5097% | 1,506 |
| Return on Equity (ROE) | 6.9579% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.9337% | 1,968 |
| Net charge-offs to loans | 0.5277% | 771 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 22.6400% | 1,619 |
| Efficiency ratio | 53.3773% | 5,892 |
| Assets per employee ($millions) | 6.8315% | 915 |
| Cash dividends to net income (ytd only)* | 14.7203% | 3,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1981% | 242 |
| Loan loss allowance to noncurrent loans | 956.6667% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 5,875 |
| Noncurrent loans to loans | 0.3343% | 4,649 |
| Net loans and leases to total assets | 11.5602% | 6,449 |
| Net loans and leases to deposits | 14.6881% | 6,441 |
| Net loans and leases to core deposits | 16.1351% | 6,428 |
| Total domestic deposits to total assets | 78.7041% | 5,308 |
| Equity capital to assets | 20.5533% | 203 |
| Core capital (leverage) ratio | 20.2227% | 205 |
| Tier 1 risk-based capital ratio | 42.6056% | 206 |
| Total risk-based capital ratio | 43.4090% | 208 |
| Memoranda: | ||
| Average total assets | $72,200,800 | 5,222 |
| Average earning assets | $69,773,400 | 5,127 |
| Average equity | $14,645,200 | 3,907 |
| Average total loans | $9,475,800 | 6,327 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,947 |
| Cost of funding earning assets | 0.7116% | 1,097 |
| Net interest margin | 2.9569% | 5,594 |
| Noninterest income to average assets | 0.5914% | 2,920 |
| Noninterest expense to average assets | 1.1101% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2487% | 210 |
| Return on assets (ROA) | 2.2612% | 212 |
| Pretax return on assets | 2.3470% | 285 |
| Return on Equity (ROE) | 11.1868% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.1868% | 488 |
| Net charge-offs to loans | 0.4444% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 39.0898% | 1,152 |
| Efficiency ratio | 32.2319% | 6,530 |
| Assets per employee ($millions) | 6.6308% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6618% | 517 |
| Loan loss allowance to noncurrent loans | 411.2903% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,825 |
| Noncurrent loans to loans | 0.6472% | 3,994 |
| Net loans and leases to total assets | 12.7847% | 6,519 |
| Net loans and leases to deposits | 16.3551% | 6,516 |
| Net loans and leases to core deposits | 17.6901% | 6,506 |
| Total domestic deposits to total assets | 78.1694% | 5,499 |
| Equity capital to assets | 21.4220% | 172 |
| Core capital (leverage) ratio | 21.3948% | 161 |
| Tier 1 risk-based capital ratio | 44.2382% | 186 |
| Total risk-based capital ratio | 44.9630% | 187 |
| Memoranda: | ||
| Average total assets | $71,464,500 | 5,300 |
| Average earning assets | $68,945,500 | 5,208 |
| Average equity | $14,445,250 | 3,968 |
| Average total loans | $9,601,250 | 6,399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 4,849 |
| Cost of funding earning assets | 0.7169% | 1,107 |
| Net interest margin | 2.9876% | 5,563 |
| Noninterest income to average assets | 0.7468% | 2,060 |
| Noninterest expense to average assets | 1.1131% | 6,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4210% | 159 |
| Return on assets (ROA) | 2.4291% | 164 |
| Pretax return on assets | 2.5193% | 202 |
| Return on Equity (ROE) | 12.2687% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.2687% | 395 |
| Net charge-offs to loans | 0.5204% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 35.6400% | 1,139 |
| Efficiency ratio | 30.7154% | 6,603 |
| Assets per employee ($millions) | 6.5456% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6385% | 584 |
| Loan loss allowance to noncurrent loans | 444.0678% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,923 |
| Noncurrent loans to loans | 0.5942% | 4,243 |
| Net loans and leases to total assets | 13.4274% | 6,579 |
| Net loans and leases to deposits | 17.0490% | 6,579 |
| Net loans and leases to core deposits | 18.4483% | 6,562 |
| Total domestic deposits to total assets | 78.7575% | 5,506 |
| Equity capital to assets | 20.9300% | 177 |
| Core capital (leverage) ratio | 20.9863% | 165 |
| Tier 1 risk-based capital ratio | 43.3016% | 198 |
| Total risk-based capital ratio | 44.0472% | 200 |
| Memoranda: | ||
| Average total assets | $70,973,000 | 5,358 |
| Average earning assets | $68,348,670 | 5,261 |
| Average equity | $14,052,000 | 4,042 |
| Average total loans | $9,608,330 | 6,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,837 |
| Cost of funding earning assets | 0.7147% | 1,158 |
| Net interest margin | 2.9887% | 5,550 |
| Noninterest income to average assets | 1.1979% | 768 |
| Noninterest expense to average assets | 1.1184% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.8449% | 104 |
| Return on assets (ROA) | 2.8613% | 106 |
| Pretax return on assets | 2.9691% | 144 |
| Return on Equity (ROE) | 14.8859% | 795 |
| Retained earnings to average equity (ytd only) | 14.8859% | 329 |
| Net charge-offs to loans | 0.9315% | 373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 23.6364% | 1,211 |
| Efficiency ratio | 27.4756% | 6,688 |
| Assets per employee ($millions) | 6.4586% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8061% | 537 |
| Loan loss allowance to noncurrent loans | 2,400.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,272 |
| Noncurrent loans to loans | 0.1169% | 5,771 |
| Net loans and leases to total assets | 12.8707% | 6,654 |
| Net loans and leases to deposits | 16.1566% | 6,649 |
| Net loans and leases to core deposits | 17.5193% | 6,637 |
| Total domestic deposits to total assets | 79.6622% | 5,554 |
| Equity capital to assets | 19.9606% | 217 |
| Core capital (leverage) ratio | 20.6997% | 178 |
| Tier 1 risk-based capital ratio | 42.8077% | 201 |
| Total risk-based capital ratio | 43.5685% | 202 |
| Memoranda: | ||
| Average total assets | $70,458,500 | 5,430 |
| Average earning assets | $67,722,500 | 5,326 |
| Average equity | $13,543,000 | 4,145 |
| Average total loans | $9,447,500 | 6,534 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 4,819 |
| Cost of funding earning assets | 0.7587% | 1,449 |
| Net interest margin | 3.0407% | 5,480 |
| Noninterest income to average assets | 0.3410% | 4,876 |
| Noninterest expense to average assets | 1.8194% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3579% | 1,116 |
| Return on assets (ROA) | 1.3767% | 1,113 |
| Pretax return on assets | 1.4584% | 1,592 |
| Return on Equity (ROE) | 6.9715% | 3,571 |
| Retained earnings to average equity (ytd only) | 5.8834% | 2,048 |
| Net charge-offs to loans | 0.3554% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 27.8889% | 1,257 |
| Efficiency ratio | 55.8487% | 5,967 |
| Assets per employee ($millions) | 6.9872% | 775 |
| Cash dividends to net income (ytd only)* | 15.6087% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0252% | 455 |
| Loan loss allowance to noncurrent loans | 308.6022% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 5,923 |
| Noncurrent loans to loans | 0.9803% | 3,559 |
| Net loans and leases to total assets | 13.1669% | 6,733 |
| Net loans and leases to deposits | 16.2639% | 6,731 |
| Net loans and leases to core deposits | 17.3040% | 6,720 |
| Total domestic deposits to total assets | 80.9580% | 5,192 |
| Equity capital to assets | 18.4695% | 290 |
| Core capital (leverage) ratio | 19.9120% | 206 |
| Tier 1 risk-based capital ratio | 40.8872% | 216 |
| Total risk-based capital ratio | 41.7049% | 219 |
| Memoranda: | ||
| Average total assets | $69,803,400 | 5,486 |
| Average earning assets | $66,958,600 | 5,377 |
| Average equity | $13,784,600 | 4,105 |
| Average total loans | $10,130,400 | 6,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,849 |
| Cost of funding earning assets | 0.7729% | 1,470 |
| Net interest margin | 3.0297% | 5,522 |
| Noninterest income to average assets | 0.2923% | 5,362 |
| Noninterest expense to average assets | 1.1310% | 6,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9839% | 370 |
| Return on assets (ROA) | 2.0023% | 371 |
| Pretax return on assets | 2.0863% | 485 |
| Return on Equity (ROE) | 9.9775% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.9775% | 794 |
| Net charge-offs to loans | 0.4793% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.2445% | 1,257 |
| Efficiency ratio | 35.3644% | 6,807 |
| Assets per employee ($millions) | 5.7190% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6865% | 753 |
| Loan loss allowance to noncurrent loans | 539.6226% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,205 |
| Noncurrent loans to loans | 0.4978% | 4,950 |
| Net loans and leases to total assets | 15.0959% | 6,802 |
| Net loans and leases to deposits | 18.8989% | 6,797 |
| Net loans and leases to core deposits | 20.0309% | 6,789 |
| Total domestic deposits to total assets | 79.8770% | 5,537 |
| Equity capital to assets | 19.7660% | 221 |
| Core capital (leverage) ratio | 21.4623% | 148 |
| Tier 1 risk-based capital ratio | 41.4802% | 224 |
| Total risk-based capital ratio | 42.2934% | 227 |
| Memoranda: | ||
| Average total assets | $69,786,250 | 5,540 |
| Average earning assets | $66,936,500 | 5,432 |
| Average equity | $14,004,500 | 4,112 |
| Average total loans | $10,291,250 | 6,649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 4,898 |
| Cost of funding earning assets | 0.7895% | 1,473 |
| Net interest margin | 2.9889% | 5,587 |
| Noninterest income to average assets | 0.2993% | 5,310 |
| Noninterest expense to average assets | 1.1286% | 6,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9555% | 383 |
| Return on assets (ROA) | 1.9637% | 404 |
| Pretax return on assets | 2.0492% | 546 |
| Return on Equity (ROE) | 9.7378% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.7378% | 902 |
| Net charge-offs to loans | 0.5112% | 1,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.5385% | 1,213 |
| Efficiency ratio | 35.6115% | 6,847 |
| Assets per employee ($millions) | 5.6813% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7937% | 710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 6,511 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 15.1578% | 6,847 |
| Net loans and leases to deposits | 18.8302% | 6,846 |
| Net loans and leases to core deposits | 20.1109% | 6,839 |
| Total domestic deposits to total assets | 80.4975% | 5,475 |
| Equity capital to assets | 19.2003% | 244 |
| Core capital (leverage) ratio | 20.6062% | 159 |
| Tier 1 risk-based capital ratio | 40.6404% | 219 |
| Total risk-based capital ratio | 41.4886% | 223 |
| Memoranda: | ||
| Average total assets | $70,172,330 | 5,564 |
| Average earning assets | $67,383,000 | 5,463 |
| Average equity | $14,151,000 | 4,118 |
| Average total loans | $10,173,000 | 6,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 5,084 |
| Cost of funding earning assets | 0.7820% | 1,632 |
| Net interest margin | 2.9411% | 5,726 |
| Noninterest income to average assets | 0.3316% | 5,047 |
| Noninterest expense to average assets | 1.1353% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9334% | 384 |
| Return on assets (ROA) | 1.9334% | 418 |
| Pretax return on assets | 2.0289% | 563 |
| Return on Equity (ROE) | 9.3723% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.3723% | 1,276 |
| Net charge-offs to loans | 0.8850% | 687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 16.4091% | 1,366 |
| Efficiency ratio | 35.8792% | 6,921 |
| Assets per employee ($millions) | 5.9361% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 636 |
| Loan loss allowance to noncurrent loans | 15,050.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 6,427 |
| Noncurrent loans to loans | 0.0202% | 6,436 |
| Net loans and leases to total assets | 13.4895% | 6,932 |
| Net loans and leases to deposits | 17.2127% | 6,932 |
| Net loans and leases to core deposits | 18.3620% | 6,921 |
| Total domestic deposits to total assets | 78.3696% | 6,061 |
| Equity capital to assets | 20.6646% | 193 |
| Core capital (leverage) ratio | 19.7837% | 202 |
| Tier 1 risk-based capital ratio | 41.1798% | 216 |
| Total risk-based capital ratio | 42.0725% | 217 |
| Memoranda: | ||
| Average total assets | $71,170,500 | 5,590 |
| Average earning assets | $68,546,000 | 5,477 |
| Average equity | $14,681,500 | 4,058 |
| Average total loans | $9,944,000 | 6,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 5,335 |
| Cost of funding earning assets | 0.9115% | 1,874 |
| Net interest margin | 3.0798% | 5,862 |
| Noninterest income to average assets | 0.4223% | 4,439 |
| Noninterest expense to average assets | 1.8324% | 6,582 |
| Loan and lease loss provision to assets | 0.1477% | 3,759 |
| Net operating income to assets | 1.3224% | 1,252 |
| Return on assets (ROA) | 1.3363% | 1,347 |
| Pretax return on assets | 1.4204% | 1,963 |
| Return on Equity (ROE) | 6.2561% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.2192% | 2,558 |
| Net charge-offs to loans | 1.3037% | 742 |
| Credit loss provision to net charge-offs | 73.5294% | 4,052 |
| Earnings coverage of net charge-offs (x) | 7.7353% | 2,538 |
| Efficiency ratio | 54.1212% | 6,255 |
| Assets per employee ($millions) | 5.9257% | 1,337 |
| Cash dividends to net income (ytd only)* | 16.5746% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2371% | 531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 6,383 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 13.5779% | 6,990 |
| Net loans and leases to deposits | 17.3479% | 6,991 |
| Net loans and leases to core deposits | 18.5089% | 6,981 |
| Total domestic deposits to total assets | 78.2683% | 6,033 |
| Equity capital to assets | 20.5926% | 200 |
| Core capital (leverage) ratio | 18.9892% | 233 |
| Tier 1 risk-based capital ratio | 40.9171% | 224 |
| Total risk-based capital ratio | 41.8934% | 227 |
| Memoranda: | ||
| Average total assets | $67,726,400 | 5,684 |
| Average earning assets | $65,166,800 | 5,582 |
| Average equity | $14,465,800 | 4,071 |
| Average total loans | $10,431,800 | 6,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 5,345 |
| Cost of funding earning assets | 0.9261% | 2,006 |
| Net interest margin | 3.1285% | 5,876 |
| Noninterest income to average assets | 0.4067% | 4,588 |
| Noninterest expense to average assets | 1.1642% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1738% | 300 |
| Return on assets (ROA) | 2.1929% | 322 |
| Pretax return on assets | 2.2726% | 422 |
| Return on Equity (ROE) | 10.1697% | 2,268 |
| Retained earnings to average equity (ytd only) | 10.1697% | 872 |
| Net charge-offs to loans | 0.7207% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 19.8241% | 1,474 |
| Efficiency ratio | 34.0723% | 7,092 |
| Assets per employee ($millions) | 5.7116% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7844% | 895 |
| Loan loss allowance to noncurrent loans | 4,314.2857% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,488 |
| Noncurrent loans to loans | 0.0645% | 6,453 |
| Net loans and leases to total assets | 15.3839% | 7,076 |
| Net loans and leases to deposits | 20.0555% | 7,075 |
| Net loans and leases to core deposits | 21.4811% | 7,065 |
| Total domestic deposits to total assets | 76.7067% | 6,280 |
| Equity capital to assets | 22.0385% | 167 |
| Core capital (leverage) ratio | 20.6264% | 187 |
| Tier 1 risk-based capital ratio | 43.8333% | 187 |
| Total risk-based capital ratio | 44.7869% | 188 |
| Memoranda: | ||
| Average total assets | $66,881,000 | 5,781 |
| Average earning assets | $64,352,750 | 5,661 |
| Average equity | $14,421,500 | 4,119 |
| Average total loans | $10,545,250 | 6,921 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 5,300 |
| Cost of funding earning assets | 0.9335% | 2,158 |
| Net interest margin | 3.1732% | 5,813 |
| Noninterest income to average assets | 0.4644% | 4,170 |
| Noninterest expense to average assets | 1.1488% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2894% | 246 |
| Return on assets (ROA) | 2.3158% | 261 |
| Pretax return on assets | 2.3972% | 347 |
| Return on Equity (ROE) | 10.8217% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.8217% | 778 |
| Net charge-offs to loans | 0.7851% | 1,403 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.1707% | 1,450 |
| Efficiency ratio | 32.6478% | 7,157 |
| Assets per employee ($millions) | 5.5559% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9412% | 830 |
| Loan loss allowance to noncurrent loans | 993.7500% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 6,442 |
| Noncurrent loans to loans | 0.2960% | 5,967 |
| Net loans and leases to total assets | 15.7400% | 7,135 |
| Net loans and leases to deposits | 20.5045% | 7,129 |
| Net loans and leases to core deposits | 22.0032% | 7,124 |
| Total domestic deposits to total assets | 76.7635% | 6,368 |
| Equity capital to assets | 22.0576% | 157 |
| Core capital (leverage) ratio | 20.6131% | 178 |
| Tier 1 risk-based capital ratio | 44.2608% | 177 |
| Total risk-based capital ratio | 45.2995% | 176 |
| Memoranda: | ||
| Average total assets | $66,328,330 | 5,833 |
| Average earning assets | $63,847,670 | 5,710 |
| Average equity | $14,193,670 | 4,163 |
| Average total loans | $10,445,000 | 6,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 5,338 |
| Cost of funding earning assets | 0.9435% | 2,352 |
| Net interest margin | 3.1928% | 5,799 |
| Noninterest income to average assets | 0.6167% | 3,122 |
| Noninterest expense to average assets | 1.1851% | 7,213 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4432% | 197 |
| Return on assets (ROA) | 2.4608% | 234 |
| Pretax return on assets | 2.5394% | 316 |
| Return on Equity (ROE) | 11.6807% | 1,776 |
| Retained earnings to average equity (ytd only) | 11.6807% | 881 |
| Net charge-offs to loans | 0.7017% | 1,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 1,100 |
| Efficiency ratio | 31.9739% | 7,220 |
| Assets per employee ($millions) | 5.4765% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1953% | 689 |
| Loan loss allowance to noncurrent loans | 3,410.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 6,612 |
| Noncurrent loans to loans | 0.0937% | 6,526 |
| Net loans and leases to total assets | 15.7202% | 7,194 |
| Net loans and leases to deposits | 20.2461% | 7,189 |
| Net loans and leases to core deposits | 21.7293% | 7,182 |
| Total domestic deposits to total assets | 77.6454% | 6,317 |
| Equity capital to assets | 21.4477% | 162 |
| Core capital (leverage) ratio | 19.9371% | 209 |
| Tier 1 risk-based capital ratio | 44.3220% | 172 |
| Total risk-based capital ratio | 45.4680% | 169 |
| Memoranda: | ||
| Average total assets | $66,157,000 | 5,880 |
| Average earning assets | $64,019,000 | 5,756 |
| Average equity | $13,937,500 | 4,211 |
| Average total loans | $10,261,500 | 7,050 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 5,538 |
| Cost of funding earning assets | 1.1623% | 2,268 |
| Net interest margin | 3.2072% | 6,072 |
| Noninterest income to average assets | 0.4564% | 4,172 |
| Noninterest expense to average assets | 1.8577% | 6,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4729% | 878 |
| Return on assets (ROA) | 1.4910% | 918 |
| Pretax return on assets | 1.7040% | 984 |
| Return on Equity (ROE) | 7.4190% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.2237% | 1,894 |
| Net charge-offs to loans | 0.1455% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 65.6875% | 453 |
| Efficiency ratio | 52.4649% | 6,662 |
| Assets per employee ($millions) | 6.0542% | 1,192 |
| Cash dividends to net income (ytd only)* | 16.1117% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6443% | 489 |
| Loan loss allowance to noncurrent loans | 182.2335% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 6,006 |
| Noncurrent loans to loans | 1.9998% | 3,206 |
| Net loans and leases to total assets | 14.2531% | 7,268 |
| Net loans and leases to deposits | 18.1909% | 7,266 |
| Net loans and leases to core deposits | 19.4912% | 7,251 |
| Total domestic deposits to total assets | 78.3531% | 6,127 |
| Equity capital to assets | 20.6919% | 197 |
| Core capital (leverage) ratio | 19.2291% | 235 |
| Tier 1 risk-based capital ratio | 44.0056% | 176 |
| Total risk-based capital ratio | 45.2417% | 174 |
| Memoranda: | ||
| Average total assets | $62,442,600 | 5,970 |
| Average earning assets | $60,051,600 | 5,865 |
| Average equity | $12,548,800 | 4,430 |
| Average total loans | $10,996,200 | 7,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 5,295 |
| Cost of funding earning assets | 1.2058% | 2,285 |
| Net interest margin | 3.2781% | 5,922 |
| Noninterest income to average assets | 0.3496% | 5,059 |
| Noninterest expense to average assets | 1.0770% | 7,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.3306% | 199 |
| Return on assets (ROA) | 2.3494% | 209 |
| Pretax return on assets | 2.4384% | 275 |
| Return on Equity (ROE) | 11.7852% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.7852% | 519 |
| Net charge-offs to loans | 0.2127% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 61.8875% | 537 |
| Efficiency ratio | 30.8075% | 7,359 |
| Assets per employee ($millions) | 5.7965% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2148% | 711 |
| Loan loss allowance to noncurrent loans | 140.5512% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 5,857 |
| Noncurrent loans to loans | 2.2873% | 3,013 |
| Net loans and leases to total assets | 16.8564% | 7,322 |
| Net loans and leases to deposits | 21.7544% | 7,309 |
| Net loans and leases to core deposits | 23.4018% | 7,301 |
| Total domestic deposits to total assets | 77.4850% | 6,303 |
| Equity capital to assets | 21.2415% | 196 |
| Core capital (leverage) ratio | 17.9892% | 322 |
| Tier 1 risk-based capital ratio | 43.2692% | 200 |
| Total risk-based capital ratio | 44.4996% | 196 |
| Memoranda: | ||
| Average total assets | $61,404,250 | 6,049 |
| Average earning assets | $58,934,250 | 5,943 |
| Average equity | $12,241,000 | 4,501 |
| Average total loans | $11,282,500 | 7,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 5,098 |
| Cost of funding earning assets | 1.2340% | 2,358 |
| Net interest margin | 3.3367% | 5,752 |
| Noninterest income to average assets | 0.3629% | 4,972 |
| Noninterest expense to average assets | 1.0393% | 7,449 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.4291% | 181 |
| Return on assets (ROA) | 2.4481% | 183 |
| Pretax return on assets | 2.5372% | 232 |
| Return on Equity (ROE) | 12.5692% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.5692% | 444 |
| Net charge-offs to loans | 0.2116% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 63.5833% | 518 |
| Efficiency ratio | 29.2208% | 7,444 |
| Assets per employee ($millions) | 5.5886% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0109% | 892 |
| Loan loss allowance to noncurrent loans | 188.0829% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 6,123 |
| Noncurrent loans to loans | 1.6009% | 3,993 |
| Net loans and leases to total assets | 19.0207% | 7,379 |
| Net loans and leases to deposits | 24.2327% | 7,372 |
| Net loans and leases to core deposits | 26.2010% | 7,361 |
| Total domestic deposits to total assets | 78.4921% | 6,192 |
| Equity capital to assets | 20.6653% | 229 |
| Core capital (leverage) ratio | 17.8364% | 346 |
| Tier 1 risk-based capital ratio | 42.2319% | 212 |
| Total risk-based capital ratio | 43.4834% | 211 |
| Memoranda: | ||
| Average total assets | $60,618,330 | 6,119 |
| Average earning assets | $58,021,670 | 6,022 |
| Average equity | $11,806,670 | 4,608 |
| Average total loans | $11,341,670 | 7,206 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 4,702 |
| Cost of funding earning assets | 1.2417% | 2,559 |
| Net interest margin | 3.4181% | 5,358 |
| Noninterest income to average assets | 0.3987% | 4,702 |
| Noninterest expense to average assets | 0.8839% | 7,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6782% | 148 |
| Return on assets (ROA) | 2.6782% | 153 |
| Pretax return on assets | 2.7712% | 183 |
| Return on Equity (ROE) | 14.1926% | 952 |
| Retained earnings to average equity (ytd only) | 14.1926% | 459 |
| Net charge-offs to loans | -0.1821% | 7,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1818% | 7,517 |
| Assets per employee ($millions) | 5.4519% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5405% | 589 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 6,050 |
| Noncurrent loans to loans | 2.0498% | 3,510 |
| Net loans and leases to total assets | 17.2633% | 7,457 |
| Net loans and leases to deposits | 21.5526% | 7,455 |
| Net loans and leases to core deposits | 23.3107% | 7,446 |
| Total domestic deposits to total assets | 80.0987% | 5,922 |
| Equity capital to assets | 19.4777% | 282 |
| Core capital (leverage) ratio | 19.7055% | 244 |
| Tier 1 risk-based capital ratio | 42.8005% | 203 |
| Total risk-based capital ratio | 44.0518% | 197 |
| Memoranda: | ||
| Average total assets | $60,190,000 | 6,180 |
| Average earning assets | $57,341,000 | 6,089 |
| Average equity | $11,358,000 | 4,703 |
| Average total loans | $10,984,500 | 7,274 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 5,890 |
| Cost of funding earning assets | 1.3562% | 3,532 |
| Net interest margin | 3.3159% | 5,931 |
| Noninterest income to average assets | 0.4916% | 4,239 |
| Noninterest expense to average assets | 3.6277% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.3086% | 6,227 |
| Return on assets (ROA) | -0.2687% | 6,231 |
| Pretax return on assets | 0.0590% | 5,787 |
| Return on Equity (ROE) | -1.3636% | 6,103 |
| Retained earnings to average equity (ytd only) | -1.7793% | 5,930 |
| Net charge-offs to loans | 0.3275% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -0.0455% | 6,166 |
| Efficiency ratio | 100.0904% | 770 |
| Assets per employee ($millions) | 5.4917% | 1,586 |
| Cash dividends to net income (ytd only)* | -30.4878% | 7,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3375% | 661 |
| Loan loss allowance to noncurrent loans | 37,500.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,276 |
| Noncurrent loans to loans | 0.0089% | 7,139 |
| Net loans and leases to total assets | 17.9791% | 7,539 |
| Net loans and leases to deposits | 22.1238% | 7,542 |
| Net loans and leases to core deposits | 23.8850% | 7,533 |
| Total domestic deposits to total assets | 81.2660% | 5,432 |
| Equity capital to assets | 18.2671% | 357 |
| Core capital (leverage) ratio | 18.4312% | 305 |
| Tier 1 risk-based capital ratio | 40.3796% | 231 |
| Total risk-based capital ratio | 41.6297% | 230 |
| Memoranda: | ||
| Average total assets | $61,029,600 | 6,160 |
| Average earning assets | $57,660,800 | 6,075 |
| Average equity | $12,027,200 | 4,594 |
| Average total loans | $13,435,600 | 7,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 5,955 |
| Cost of funding earning assets | 1.3676% | 3,790 |
| Net interest margin | 3.3498% | 5,845 |
| Noninterest income to average assets | 0.4685% | 4,425 |
| Noninterest expense to average assets | 3.6108% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.3673% | 6,484 |
| Return on assets (ROA) | -0.3269% | 6,505 |
| Pretax return on assets | 0.0806% | 5,948 |
| Return on Equity (ROE) | -1.6293% | 6,354 |
| Retained earnings to average equity (ytd only) | -1.6293% | 6,123 |
| Net charge-offs to loans | 0.2669% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.2858% | 5,741 |
| Efficiency ratio | 99.5195% | 758 |
| Assets per employee ($millions) | 5.5654% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9021% | 901 |
| Loan loss allowance to noncurrent loans | 161.5702% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 6,427 |
| Noncurrent loans to loans | 1.7962% | 3,955 |
| Net loans and leases to total assets | 21.3692% | 7,607 |
| Net loans and leases to deposits | 27.0625% | 7,602 |
| Net loans and leases to core deposits | 29.2747% | 7,590 |
| Total domestic deposits to total assets | 78.9624% | 6,029 |
| Equity capital to assets | 20.0330% | 284 |
| Core capital (leverage) ratio | 17.7205% | 370 |
| Tier 1 risk-based capital ratio | 39.8879% | 249 |
| Total risk-based capital ratio | 41.1402% | 245 |
| Memoranda: | ||
| Average total assets | $61,184,750 | 6,223 |
| Average earning assets | $57,714,250 | 6,139 |
| Average equity | $12,275,250 | 4,606 |
| Average total loans | $13,985,500 | 7,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 4,603 |
| Cost of funding earning assets | 1.3704% | 4,056 |
| Net interest margin | 3.7004% | 4,366 |
| Noninterest income to average assets | 0.5035% | 4,091 |
| Noninterest expense to average assets | 1.2358% | 7,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3469% | 182 |
| Return on assets (ROA) | 2.3997% | 174 |
| Pretax return on assets | 2.8346% | 148 |
| Return on Equity (ROE) | 11.9554% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.9554% | 501 |
| Net charge-offs to loans | 0.1272% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 94.2222% | 351 |
| Efficiency ratio | 30.8320% | 7,739 |
| Assets per employee ($millions) | 5.1048% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6773% | 1,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.3303% | 7,635 |
| Net loans and leases to deposits | 31.1103% | 7,624 |
| Net loans and leases to core deposits | 33.8512% | 7,608 |
| Total domestic deposits to total assets | 78.2066% | 6,224 |
| Equity capital to assets | 21.0523% | 233 |
| Core capital (leverage) ratio | 18.0101% | 359 |
| Tier 1 risk-based capital ratio | 41.4768% | 222 |
| Total risk-based capital ratio | 42.7297% | 218 |
| Memoranda: | ||
| Average total assets | $61,173,330 | 6,259 |
| Average earning assets | $57,939,000 | 6,171 |
| Average equity | $12,279,000 | 4,603 |
| Average total loans | $14,156,330 | 7,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 4,662 |
| Cost of funding earning assets | 1.3724% | 4,340 |
| Net interest margin | 3.7012% | 4,233 |
| Noninterest income to average assets | 0.5627% | 3,540 |
| Noninterest expense to average assets | 1.2367% | 7,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3032% | 208 |
| Return on assets (ROA) | 2.3032% | 233 |
| Pretax return on assets | 2.8202% | 157 |
| Return on Equity (ROE) | 11.7622% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.7622% | 788 |
| Net charge-offs to loans | 0.2062% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 61.5714% | 499 |
| Efficiency ratio | 30.4839% | 7,847 |
| Assets per employee ($millions) | 5.0878% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0263% | 800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 21.6235% | 7,763 |
| Net loans and leases to deposits | 27.2588% | 7,766 |
| Net loans and leases to core deposits | 29.6301% | 7,751 |
| Total domestic deposits to total assets | 79.3265% | 6,007 |
| Equity capital to assets | 20.0904% | 285 |
| Core capital (leverage) ratio | 17.7186% | 386 |
| Tier 1 risk-based capital ratio | 42.6757% | 218 |
| Total risk-based capital ratio | 43.9278% | 212 |
| Memoranda: | ||
| Average total assets | $61,131,500 | 6,341 |
| Average earning assets | $57,711,000 | 6,256 |
| Average equity | $11,970,500 | 4,723 |
| Average total loans | $13,577,500 | 7,464 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 4,481 |
| Cost of funding earning assets | 1.6944% | 4,541 |
| Net interest margin | 3.7477% | 3,920 |
| Noninterest income to average assets | 0.5664% | 3,898 |
| Noninterest expense to average assets | 2.0885% | 7,207 |
| Loan and lease loss provision to assets | 0.0421% | 7,130 |
| Net operating income to assets | 1.3649% | 914 |
| Return on assets (ROA) | 1.3873% | 928 |
| Pretax return on assets | 1.9874% | 413 |
| Return on Equity (ROE) | 7.1136% | 2,749 |
| Retained earnings to average equity (ytd only) | 5.8171% | 1,422 |
| Net charge-offs to loans | 1.0677% | 2,278 |
| Credit loss provision to net charge-offs | 16.3399% | 6,953 |
| Earnings coverage of net charge-offs (x) | 7.7451% | 2,085 |
| Efficiency ratio | 51.1139% | 7,461 |
| Assets per employee ($millions) | 5.1008% | 2,088 |
| Cash dividends to net income (ytd only)* | 18.2260% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0943% | 718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.4380% | 7,848 |
| Net loans and leases to deposits | 26.7425% | 7,857 |
| Net loans and leases to core deposits | 35.7821% | 7,810 |
| Total domestic deposits to total assets | 80.1647% | 5,628 |
| Equity capital to assets | 19.0740% | 356 |
| Core capital (leverage) ratio | 18.8632% | 346 |
| Tier 1 risk-based capital ratio | 41.0397% | 234 |
| Total risk-based capital ratio | 42.2930% | 227 |
| Memoranda: | ||
| Average total assets | $59,323,600 | 6,377 |
| Average earning assets | $55,714,200 | 6,307 |
| Average equity | $11,569,400 | 4,852 |
| Average total loans | $14,330,400 | 7,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,320 |
| Cost of funding earning assets | 1.7483% | 4,644 |
| Net interest margin | 3.7715% | 3,769 |
| Noninterest income to average assets | 0.4939% | 4,538 |
| Noninterest expense to average assets | 1.2755% | 7,971 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.1680% | 194 |
| Return on assets (ROA) | 2.1930% | 203 |
| Pretax return on assets | 2.7934% | 129 |
| Return on Equity (ROE) | 11.1811% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.1811% | 450 |
| Net charge-offs to loans | 1.3767% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.1265% | 2,302 |
| Efficiency ratio | 31.5937% | 8,002 |
| Assets per employee ($millions) | 5.0214% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6700% | 904 |
| Loan loss allowance to noncurrent loans | 216.9399% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 6,710 |
| Noncurrent loans to loans | 1.2307% | 4,892 |
| Net loans and leases to total assets | 24.0171% | 7,900 |
| Net loans and leases to deposits | 30.5065% | 7,906 |
| Net loans and leases to core deposits | 42.0124% | 7,826 |
| Total domestic deposits to total assets | 78.7278% | 5,886 |
| Equity capital to assets | 20.4624% | 310 |
| Core capital (leverage) ratio | 17.5787% | 492 |
| Tier 1 risk-based capital ratio | 41.4816% | 260 |
| Total risk-based capital ratio | 42.7343% | 252 |
| Memoranda: | ||
| Average total assets | $58,852,250 | 6,430 |
| Average earning assets | $55,291,000 | 6,369 |
| Average equity | $11,543,000 | 4,916 |
| Average total loans | $14,527,750 | 7,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 4,246 |
| Cost of funding earning assets | 1.7810% | 4,856 |
| Net interest margin | 3.7847% | 3,613 |
| Noninterest income to average assets | 0.5036% | 4,413 |
| Noninterest expense to average assets | 1.3120% | 8,053 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1558% | 211 |
| Return on assets (ROA) | 2.1855% | 220 |
| Pretax return on assets | 2.7816% | 131 |
| Return on Equity (ROE) | 11.3114% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.3114% | 518 |
| Net charge-offs to loans | 2.0813% | 889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 5.3400% | 2,854 |
| Efficiency ratio | 32.3480% | 8,095 |
| Assets per employee ($millions) | 4.9834% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6603% | 776 |
| Loan loss allowance to noncurrent loans | 2,481.2500% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,553 |
| Noncurrent loans to loans | 0.1072% | 7,256 |
| Net loans and leases to total assets | 24.2906% | 7,992 |
| Net loans and leases to deposits | 30.1444% | 7,990 |
| Net loans and leases to core deposits | 41.5123% | 7,913 |
| Total domestic deposits to total assets | 80.5806% | 5,238 |
| Equity capital to assets | 19.0281% | 460 |
| Core capital (leverage) ratio | 19.5935% | 383 |
| Tier 1 risk-based capital ratio | 40.5963% | 295 |
| Total risk-based capital ratio | 41.8468% | 290 |
| Memoranda: | ||
| Average total assets | $58,384,000 | 6,498 |
| Average earning assets | $54,800,000 | 6,434 |
| Average equity | $11,280,670 | 5,005 |
| Average total loans | $14,414,000 | 7,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6797% | 3,901 |
| Cost of funding earning assets | 1.7794% | 5,213 |
| Net interest margin | 3.9002% | 3,038 |
| Noninterest income to average assets | 0.5687% | 3,768 |
| Noninterest expense to average assets | 1.2068% | 8,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6299% | 104 |
| Return on assets (ROA) | 2.6770% | 123 |
| Pretax return on assets | 3.1417% | 113 |
| Return on Equity (ROE) | 13.7471% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.7471% | 534 |
| Net charge-offs to loans | -0.0282% | 7,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1099% | 8,160 |
| Assets per employee ($millions) | 4.8658% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8475% | 248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 23.4548% | 8,044 |
| Net loans and leases to deposits | 29.3054% | 8,050 |
| Net loans and leases to core deposits | 40.8428% | 7,963 |
| Total domestic deposits to total assets | 80.0356% | 5,356 |
| Equity capital to assets | 19.3718% | 453 |
| Core capital (leverage) ratio | 19.3386% | 425 |
| Tier 1 risk-based capital ratio | 42.9368% | 281 |
| Total risk-based capital ratio | 44.1974% | 274 |
| Memoranda: | ||
| Average total assets | $57,675,500 | 6,553 |
| Average earning assets | $55,073,500 | 6,455 |
| Average equity | $11,231,500 | 5,048 |
| Average total loans | $14,159,500 | 7,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 4,962 |
| Cost of funding earning assets | 2.1105% | 6,003 |
| Net interest margin | 4.0048% | 3,086 |
| Noninterest income to average assets | 0.6398% | 3,552 |
| Noninterest expense to average assets | 2.2836% | 6,748 |
| Loan and lease loss provision to assets | 0.0092% | 7,253 |
| Net operating income to assets | 1.6864% | 697 |
| Return on assets (ROA) | 1.7178% | 628 |
| Pretax return on assets | 2.2226% | 376 |
| Return on Equity (ROE) | 8.6443% | 2,779 |
| Retained earnings to average equity (ytd only) | 7.2485% | 1,073 |
| Net charge-offs to loans | 0.0270% | 6,454 |
| Credit loss provision to net charge-offs | 125.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | 296.2500% | 161 |
| Efficiency ratio | 51.0331% | 7,584 |
| Assets per employee ($millions) | 4.7468% | 2,249 |
| Cash dividends to net income (ytd only)* | 16.1464% | 4,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8860% | 209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.7509% | 8,110 |
| Net loans and leases to deposits | 29.8746% | 8,116 |
| Net loans and leases to core deposits | 52.1168% | 7,841 |
| Total domestic deposits to total assets | 79.5021% | 5,203 |
| Equity capital to assets | 19.5780% | 492 |
| Core capital (leverage) ratio | 19.2379% | 496 |
| Tier 1 risk-based capital ratio | 42.6102% | 292 |
| Total risk-based capital ratio | 43.8695% | 285 |
| Memoranda: | ||
| Average total assets | $54,082,000 | 6,618 |
| Average earning assets | $51,788,400 | 6,515 |
| Average equity | $10,747,000 | 5,196 |
| Average total loans | $14,816,000 | 7,660 |