Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers State 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 | 4.4800% | 3,126 |
| Cost of funding earning assets | 1.3069% | 2,499 |
| Net interest margin | 3.1731% | 2,936 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2216% | 3,070 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0673% | 2,017 |
| Return on assets (ROA) | 1.0845% | 1,935 |
| Pretax return on assets | 1.1167% | 2,362 |
| Return on Equity (ROE) | 24.2600% | 342 |
| Retained earnings to average equity (ytd only) | 11.6153% | 680 |
| Net charge-offs to loans | 0.3685% | 290 |
| Credit loss provision to net charge-offs | 60.7273% | 2,143 |
| Earnings coverage of net charge-offs (x) | 6.6873% | 2,454 |
| Efficiency ratio | 64.7634% | 2,513 |
| Assets per employee ($millions) | 7.8810% | 1,500 |
| Cash dividends to net income (ytd only)* | 52.1212% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,385 |
| Loan loss allowance to noncurrent loans | 249.6042% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,013 |
| Noncurrent loans to loans | 0.4744% | 1,599 |
| Net loans and leases to total assets | 50.0800% | 3,589 |
| Net loans and leases to deposits | 54.4015% | 3,769 |
| Net loans and leases to core deposits | 70.1090% | 3,303 |
| Total domestic deposits to total assets | 92.0600% | 297 |
| Equity capital to assets | 5.3692% | 4,359 |
| Core capital (leverage) ratio | 10.1494% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6521% | 1,357 |
| Memoranda: | ||
| Average total assets | $152,142,600 | 3,339 |
| Average earning assets | $144,308,000 | 3,301 |
| Average equity | $6,801,400 | 4,072 |
| Average total loans | $74,636,800 | 3,485 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 3,079 |
| Cost of funding earning assets | 1.2569% | 2,266 |
| Net interest margin | 3.1558% | 3,016 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2196% | 3,026 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0964% | 2,071 |
| Return on assets (ROA) | 1.1195% | 1,973 |
| Pretax return on assets | 1.1523% | 2,412 |
| Return on Equity (ROE) | 26.4300% | 332 |
| Retained earnings to average equity (ytd only) | 11.3997% | 1,088 |
| Net charge-offs to loans | 0.1055% | 751 |
| Credit loss provision to net charge-offs | 132.7586% | 1,403 |
| Earnings coverage of net charge-offs (x) | 23.3276% | 1,737 |
| Efficiency ratio | 64.9754% | 2,395 |
| Assets per employee ($millions) | 7.4489% | 1,672 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 1,557 |
| Loan loss allowance to noncurrent loans | 195.3789% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,582 |
| Noncurrent loans to loans | 0.7042% | 1,175 |
| Net loans and leases to total assets | 50.8600% | 3,563 |
| Net loans and leases to deposits | 54.3522% | 3,777 |
| Net loans and leases to core deposits | 66.8523% | 3,385 |
| Total domestic deposits to total assets | 93.5700% | 235 |
| Equity capital to assets | 3.6153% | 4,446 |
| Core capital (leverage) ratio | 10.0818% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1972% | 1,271 |
| Memoranda: | ||
| Average total assets | $150,773,250 | 3,359 |
| Average earning assets | $143,096,000 | 3,319 |
| Average equity | $6,386,000 | 4,129 |
| Average total loans | $73,324,000 | 3,511 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 3,102 |
| Cost of funding earning assets | 1.1931% | 2,017 |
| Net interest margin | 3.1050% | 3,217 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.1655% | 3,181 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1397% | 2,004 |
| Return on assets (ROA) | 1.1653% | 1,924 |
| Pretax return on assets | 1.1984% | 2,362 |
| Return on Equity (ROE) | 26.2500% | 322 |
| Retained earnings to average equity (ytd only) | 9.7331% | 1,479 |
| Net charge-offs to loans | 0.0249% | 1,387 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 101.5556% | 929 |
| Efficiency ratio | 64.1990% | 2,460 |
| Assets per employee ($millions) | 7.5282% | 1,592 |
| Cash dividends to net income (ytd only)* | 62.9252% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,368 |
| 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 | 48.4800% | 3,662 |
| Net loans and leases to deposits | 52.6647% | 3,806 |
| Net loans and leases to core deposits | 66.0764% | 3,346 |
| Total domestic deposits to total assets | 92.0500% | 402 |
| Equity capital to assets | 4.4320% | 4,455 |
| Core capital (leverage) ratio | 9.9910% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0534% | 1,309 |
| Memoranda: | ||
| Average total assets | $151,372,000 | 3,365 |
| Average earning assets | $143,830,333 | 3,323 |
| Average equity | $6,719,333 | 4,105 |
| Average total loans | $72,157,333 | 3,528 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,983 |
| Cost of funding earning assets | 1.0889% | 1,783 |
| Net interest margin | 3.1393% | 3,264 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.1453% | 3,266 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1585% | 2,044 |
| Return on assets (ROA) | 1.1965% | 1,897 |
| Pretax return on assets | 1.2439% | 2,322 |
| Return on Equity (ROE) | 26.9300% | 325 |
| Retained earnings to average equity (ytd only) | 13.5855% | 998 |
| Net charge-offs to loans | -0.0056% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.2479% | 2,540 |
| Assets per employee ($millions) | 7.6280% | 1,543 |
| Cash dividends to net income (ytd only)* | 49.5595% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,348 |
| Loan loss allowance to noncurrent loans | 2,815.7895% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,533 |
| Noncurrent loans to loans | 0.0525% | 3,364 |
| Net loans and leases to total assets | 46.7500% | 3,731 |
| Net loans and leases to deposits | 50.5282% | 3,871 |
| Net loans and leases to core deposits | 62.9972% | 3,388 |
| Total domestic deposits to total assets | 92.5200% | 392 |
| Equity capital to assets | 4.5739% | 4,481 |
| Core capital (leverage) ratio | 9.8223% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9440% | 1,159 |
| Memoranda: | ||
| Average total assets | $151,776,000 | 3,409 |
| Average earning assets | $144,361,500 | 3,363 |
| Average equity | $6,742,500 | 4,150 |
| Average total loans | $71,206,500 | 3,583 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 2,874 |
| Cost of funding earning assets | 0.4137% | 1,983 |
| Net interest margin | 3.1593% | 2,989 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3743% | 2,499 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9683% | 2,685 |
| Return on assets (ROA) | 0.9429% | 2,745 |
| Pretax return on assets | 0.9943% | 3,089 |
| Return on Equity (ROE) | 16.3500% | 989 |
| Retained earnings to average equity (ytd only) | 7.1520% | 2,176 |
| Net charge-offs to loans | 0.0372% | 1,351 |
| Credit loss provision to net charge-offs | 80.0000% | 1,683 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,230 |
| Efficiency ratio | 69.6554% | 1,733 |
| Assets per employee ($millions) | 7.9469% | 1,346 |
| Cash dividends to net income (ytd only)* | 56.2633% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,047 |
| Loan loss allowance to noncurrent loans | 354.5455% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,148 |
| Noncurrent loans to loans | 0.4398% | 1,604 |
| Net loans and leases to total assets | 45.6500% | 3,821 |
| Net loans and leases to deposits | 49.6539% | 3,911 |
| Net loans and leases to core deposits | 59.0055% | 3,554 |
| Total domestic deposits to total assets | 91.9500% | 654 |
| Equity capital to assets | 4.3095% | 4,485 |
| Core capital (leverage) ratio | 9.9277% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6829% | 1,189 |
| Memoranda: | ||
| Average total assets | $149,857,000 | 3,444 |
| Average earning assets | $141,168,600 | 3,407 |
| Average equity | $8,641,000 | 4,032 |
| Average total loans | $67,131,800 | 3,623 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 2,604 |
| Cost of funding earning assets | 0.3395% | 1,785 |
| Net interest margin | 3.1640% | 2,734 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.4603% | 2,127 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8968% | 2,875 |
| Return on assets (ROA) | 0.8968% | 2,856 |
| Pretax return on assets | 0.9529% | 3,171 |
| Return on Equity (ROE) | 14.6200% | 1,253 |
| Retained earnings to average equity (ytd only) | 3.2117% | 3,726 |
| Net charge-offs to loans | 0.0221% | 1,396 |
| Credit loss provision to net charge-offs | 90.9091% | 1,372 |
| Earnings coverage of net charge-offs (x) | 98.0909% | 959 |
| Efficiency ratio | 71.8937% | 1,529 |
| Assets per employee ($millions) | 7.2928% | 1,757 |
| Cash dividends to net income (ytd only)* | 78.0318% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 890 |
| Loan loss allowance to noncurrent loans | 350.1597% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,177 |
| Noncurrent loans to loans | 0.4832% | 1,593 |
| Net loans and leases to total assets | 43.6600% | 3,898 |
| Net loans and leases to deposits | 46.7497% | 4,000 |
| Net loans and leases to core deposits | 50.1342% | 3,937 |
| Total domestic deposits to total assets | 93.3800% | 477 |
| Equity capital to assets | 3.3602% | 4,560 |
| Core capital (leverage) ratio | 9.7633% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6645% | 1,244 |
| Memoranda: | ||
| Average total assets | $149,573,250 | 3,475 |
| Average earning assets | $140,577,500 | 3,440 |
| Average equity | $9,174,500 | 4,015 |
| Average total loans | $66,408,000 | 3,659 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 2,279 |
| Cost of funding earning assets | 0.3127% | 1,596 |
| Net interest margin | 3.1428% | 2,394 |
| Noninterest income to average assets | 0.4098% | 2,693 |
| Noninterest expense to average assets | 2.5555% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7440% | 3,161 |
| Return on assets (ROA) | 0.7440% | 3,120 |
| Pretax return on assets | 0.7997% | 3,330 |
| Return on Equity (ROE) | 10.5859% | 2,144 |
| Retained earnings to average equity (ytd only) | -0.7359% | 4,271 |
| Net charge-offs to loans | 0.0060% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 301.5000% | 404 |
| Efficiency ratio | 76.1660% | 1,259 |
| Assets per employee ($millions) | 7.7149% | 1,468 |
| Cash dividends to net income (ytd only)* | 106.9519% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 1,056 |
| Loan loss allowance to noncurrent loans | 54,750.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,070 |
| Noncurrent loans to loans | 0.0030% | 3,988 |
| Net loans and leases to total assets | 44.6300% | 3,785 |
| Net loans and leases to deposits | 49.4404% | 3,838 |
| Net loans and leases to core deposits | 52.2194% | 3,809 |
| Total domestic deposits to total assets | 90.2704% | 1,599 |
| Equity capital to assets | 4.1137% | 4,611 |
| Core capital (leverage) ratio | 9.4806% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2434% | 1,377 |
| Memoranda: | ||
| Average total assets | $150,812,667 | 3,491 |
| Average earning assets | $141,341,000 | 3,483 |
| Average equity | $10,599,000 | 3,923 |
| Average total loans | $66,954,000 | 3,675 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3945% | 2,103 |
| Cost of funding earning assets | 0.3027% | 1,634 |
| Net interest margin | 3.0918% | 2,201 |
| Noninterest income to average assets | 0.4290% | 2,502 |
| Noninterest expense to average assets | 2.2337% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0253% | 1,781 |
| Return on assets (ROA) | 1.0253% | 1,771 |
| Pretax return on assets | 1.0803% | 2,204 |
| Return on Equity (ROE) | 12.1706% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.0297% | 2,586 |
| Net charge-offs to loans | -0.0417% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4033% | 2,579 |
| Assets per employee ($millions) | 7.9879% | 1,378 |
| Cash dividends to net income (ytd only)* | 58.6735% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.1551% | 3,806 |
| Net loans and leases to deposits | 49.0346% | 3,815 |
| Net loans and leases to core deposits | 51.2697% | 3,784 |
| Total domestic deposits to total assets | 88.0096% | 2,520 |
| Equity capital to assets | 7.3090% | 4,044 |
| Core capital (leverage) ratio | 9.2702% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0674% | 1,242 |
| Memoranda: | ||
| Average total assets | $152,927,500 | 3,486 |
| Average earning assets | $142,700,000 | 3,484 |
| Average equity | $12,883,500 | 3,767 |
| Average total loans | $67,173,500 | 3,674 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 2,006 |
| Cost of funding earning assets | 0.3710% | 1,745 |
| Net interest margin | 3.3687% | 2,118 |
| Noninterest income to average assets | 0.5507% | 2,360 |
| Noninterest expense to average assets | 2.3968% | 2,500 |
| Loan and lease loss provision to assets | 0.0396% | 2,248 |
| Net operating income to assets | 1.1971% | 1,935 |
| Return on assets (ROA) | 1.2373% | 1,846 |
| Pretax return on assets | 1.2961% | 2,372 |
| Return on Equity (ROE) | 12.1067% | 1,777 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,433 |
| Net charge-offs to loans | 0.0105% | 2,167 |
| Credit loss provision to net charge-offs | 828.5714% | 597 |
| Earnings coverage of net charge-offs (x) | 270.4286% | 436 |
| Efficiency ratio | 64.9509% | 2,414 |
| Assets per employee ($millions) | 7.7042% | 1,492 |
| Cash dividends to net income (ytd only)* | 51.9050% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 1,217 |
| Loan loss allowance to noncurrent loans | 54,850.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,191 |
| Noncurrent loans to loans | 0.0030% | 4,103 |
| Net loans and leases to total assets | 43.2550% | 3,893 |
| Net loans and leases to deposits | 49.8601% | 3,895 |
| Net loans and leases to core deposits | 52.1062% | 3,884 |
| Total domestic deposits to total assets | 86.7527% | 2,596 |
| Equity capital to assets | 9.5234% | 3,125 |
| Core capital (leverage) ratio | 9.0818% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5592% | 1,373 |
| Memoranda: | ||
| Average total assets | $146,363,400 | 3,518 |
| Average earning assets | $136,404,600 | 3,515 |
| Average equity | $14,958,600 | 3,639 |
| Average total loans | $66,884,000 | 3,711 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 1,751 |
| Cost of funding earning assets | 0.3740% | 1,903 |
| Net interest margin | 3.5298% | 1,788 |
| Noninterest income to average assets | 0.5742% | 2,323 |
| Noninterest expense to average assets | 2.4075% | 2,416 |
| Loan and lease loss provision to assets | 0.0505% | 1,984 |
| Net operating income to assets | 1.3512% | 1,689 |
| Return on assets (ROA) | 1.3902% | 1,637 |
| Pretax return on assets | 1.4502% | 2,149 |
| Return on Equity (ROE) | 13.3598% | 1,593 |
| Retained earnings to average equity (ytd only) | 5.7307% | 2,940 |
| Net charge-offs to loans | 0.0160% | 1,757 |
| Credit loss provision to net charge-offs | 687.5000% | 648 |
| Earnings coverage of net charge-offs (x) | 197.7500% | 556 |
| Efficiency ratio | 62.2434% | 2,650 |
| Assets per employee ($millions) | 7.1084% | 1,798 |
| Cash dividends to net income (ytd only)* | 57.1049% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,301 |
| Loan loss allowance to noncurrent loans | 36,433.3333% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,271 |
| Noncurrent loans to loans | 0.0044% | 4,185 |
| Net loans and leases to total assets | 44.5936% | 3,902 |
| Net loans and leases to deposits | 51.9077% | 3,893 |
| Net loans and leases to core deposits | 54.2336% | 3,903 |
| Total domestic deposits to total assets | 85.9094% | 2,783 |
| Equity capital to assets | 10.1348% | 2,774 |
| Core capital (leverage) ratio | 9.1909% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4160% | 1,513 |
| Memoranda: | ||
| Average total assets | $144,433,250 | 3,576 |
| Average earning assets | $134,774,000 | 3,571 |
| Average equity | $15,029,750 | 3,678 |
| Average total loans | $66,668,500 | 3,763 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 1,235 |
| Cost of funding earning assets | 0.3770% | 2,073 |
| Net interest margin | 3.7909% | 1,153 |
| Noninterest income to average assets | 0.4691% | 2,759 |
| Noninterest expense to average assets | 2.3596% | 2,585 |
| Loan and lease loss provision to assets | 0.0560% | 1,909 |
| Net operating income to assets | 1.5279% | 1,219 |
| Return on assets (ROA) | 1.5628% | 1,201 |
| Pretax return on assets | 1.6244% | 1,670 |
| Return on Equity (ROE) | 14.8833% | 1,188 |
| Retained earnings to average equity (ytd only) | 6.0814% | 2,771 |
| Net charge-offs to loans | 0.0121% | 1,718 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 293.5000% | 381 |
| Efficiency ratio | 58.9367% | 3,161 |
| Assets per employee ($millions) | 6.9766% | 1,828 |
| Cash dividends to net income (ytd only)* | 59.1398% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 1,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.1228% | 3,892 |
| Net loans and leases to deposits | 54.3295% | 3,834 |
| Net loans and leases to core deposits | 57.0929% | 3,827 |
| Total domestic deposits to total assets | 84.8944% | 3,140 |
| Equity capital to assets | 10.2294% | 2,637 |
| Core capital (leverage) ratio | 9.2385% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3746% | 1,512 |
| Memoranda: | ||
| Average total assets | $142,818,667 | 3,601 |
| Average earning assets | $133,162,333 | 3,595 |
| Average equity | $14,996,667 | 3,683 |
| Average total loans | $66,337,667 | 3,790 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 789 |
| Cost of funding earning assets | 0.3730% | 2,328 |
| Net interest margin | 4.1151% | 707 |
| Noninterest income to average assets | 0.4824% | 2,697 |
| Noninterest expense to average assets | 2.5054% | 2,163 |
| Loan and lease loss provision to assets | 0.0709% | 1,739 |
| Net operating income to assets | 1.6940% | 951 |
| Return on assets (ROA) | 1.7649% | 887 |
| Pretax return on assets | 1.8301% | 1,233 |
| Return on Equity (ROE) | 16.5850% | 913 |
| Retained earnings to average equity (ytd only) | 10.7189% | 1,468 |
| Net charge-offs to loans | 0.0368% | 1,108 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 592 |
| Efficiency ratio | 57.8258% | 3,329 |
| Assets per employee ($millions) | 6.5385% | 2,146 |
| Cash dividends to net income (ytd only)* | 35.3698% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.4726% | 3,928 |
| Net loans and leases to deposits | 54.6500% | 3,896 |
| Net loans and leases to core deposits | 57.3417% | 3,885 |
| Total domestic deposits to total assets | 85.0368% | 3,077 |
| Equity capital to assets | 10.2665% | 2,462 |
| Core capital (leverage) ratio | 9.4632% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1255% | 1,534 |
| Memoranda: | ||
| Average total assets | $140,973,500 | 3,627 |
| Average earning assets | $131,904,500 | 3,610 |
| Average equity | $15,001,500 | 3,688 |
| Average total loans | $65,178,500 | 3,827 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 2,142 |
| Cost of funding earning assets | 0.5168% | 2,832 |
| Net interest margin | 3.6820% | 1,864 |
| Noninterest income to average assets | 0.4864% | 2,690 |
| Noninterest expense to average assets | 2.4275% | 3,066 |
| Loan and lease loss provision to assets | 0.0891% | 3,250 |
| Net operating income to assets | 1.3809% | 1,063 |
| Return on assets (ROA) | 1.4006% | 1,107 |
| Pretax return on assets | 1.4615% | 1,464 |
| Return on Equity (ROE) | 13.1526% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.8765% | 1,437 |
| Net charge-offs to loans | 0.0288% | 2,458 |
| Credit loss provision to net charge-offs | 615.7895% | 1,084 |
| Earnings coverage of net charge-offs (x) | 105.7895% | 758 |
| Efficiency ratio | 61.3387% | 3,256 |
| Assets per employee ($millions) | 6.5762% | 1,867 |
| Cash dividends to net income (ytd only)* | 47.7174% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,091 |
| Loan loss allowance to noncurrent loans | 2,682.0513% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,225 |
| Noncurrent loans to loans | 0.0625% | 4,042 |
| Net loans and leases to total assets | 44.4580% | 4,224 |
| Net loans and leases to deposits | 53.0795% | 4,155 |
| Net loans and leases to core deposits | 56.4731% | 4,129 |
| Total domestic deposits to total assets | 83.7575% | 3,182 |
| Equity capital to assets | 11.0318% | 2,226 |
| Core capital (leverage) ratio | 9.4988% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8329% | 1,588 |
| Memoranda: | ||
| Average total assets | $131,370,200 | 3,610 |
| Average earning assets | $123,845,200 | 3,584 |
| Average equity | $13,989,600 | 3,758 |
| Average total loans | $66,020,000 | 3,810 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 1,901 |
| Cost of funding earning assets | 0.5362% | 3,013 |
| Net interest margin | 3.8423% | 1,493 |
| Noninterest income to average assets | 0.4668% | 2,757 |
| Noninterest expense to average assets | 2.4561% | 2,974 |
| Loan and lease loss provision to assets | 0.1049% | 3,007 |
| Net operating income to assets | 1.4795% | 944 |
| Return on assets (ROA) | 1.5061% | 975 |
| Pretax return on assets | 1.5658% | 1,280 |
| Return on Equity (ROE) | 14.2802% | 823 |
| Retained earnings to average equity (ytd only) | 7.3594% | 1,559 |
| Net charge-offs to loans | -0.0100% | 4,223 |
| Credit loss provision to net charge-offs | -2,040.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9197% | 3,401 |
| Assets per employee ($millions) | 6.7693% | 1,642 |
| Cash dividends to net income (ytd only)* | 48.4642% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 1,129 |
| Loan loss allowance to noncurrent loans | 1,088.6598% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,078 |
| Noncurrent loans to loans | 0.1461% | 3,800 |
| Net loans and leases to total assets | 48.2661% | 4,201 |
| Net loans and leases to deposits | 57.7865% | 4,172 |
| Net loans and leases to core deposits | 62.5299% | 4,077 |
| Total domestic deposits to total assets | 83.5248% | 2,982 |
| Equity capital to assets | 11.0278% | 2,377 |
| Core capital (leverage) ratio | 9.5099% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7695% | 2,295 |
| Memoranda: | ||
| Average total assets | $129,687,500 | 3,617 |
| Average earning assets | $122,596,000 | 3,586 |
| Average equity | $13,678,250 | 3,794 |
| Average total loans | $66,914,250 | 3,813 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 1,673 |
| Cost of funding earning assets | 0.5667% | 3,145 |
| Net interest margin | 4.0212% | 1,270 |
| Noninterest income to average assets | 0.4648% | 2,737 |
| Noninterest expense to average assets | 2.5307% | 2,879 |
| Loan and lease loss provision to assets | 0.1330% | 2,682 |
| Net operating income to assets | 1.5585% | 831 |
| Return on assets (ROA) | 1.5995% | 829 |
| Pretax return on assets | 1.6527% | 1,100 |
| Return on Equity (ROE) | 15.4136% | 646 |
| Retained earnings to average equity (ytd only) | 11.9448% | 467 |
| Net charge-offs to loans | 0.0089% | 2,628 |
| Credit loss provision to net charge-offs | 2,833.3333% | 377 |
| Earnings coverage of net charge-offs (x) | 371.3333% | 273 |
| Efficiency ratio | 59.2091% | 3,530 |
| Assets per employee ($millions) | 6.4747% | 1,807 |
| Cash dividends to net income (ytd only)* | 22.5049% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,323 |
| Loan loss allowance to noncurrent loans | 51,500.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,594 |
| Noncurrent loans to loans | 0.0029% | 4,514 |
| Net loans and leases to total assets | 50.3777% | 4,145 |
| Net loans and leases to deposits | 60.1805% | 4,107 |
| Net loans and leases to core deposits | 66.0636% | 3,969 |
| Total domestic deposits to total assets | 83.7110% | 2,845 |
| Equity capital to assets | 10.8356% | 2,474 |
| Core capital (leverage) ratio | 9.5938% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7805% | 2,283 |
| Memoranda: | ||
| Average total assets | $127,788,333 | 3,621 |
| Average earning assets | $121,057,000 | 3,589 |
| Average equity | $13,261,000 | 3,846 |
| Average total loans | $67,085,333 | 3,813 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 2,387 |
| Cost of funding earning assets | 0.6197% | 3,333 |
| Net interest margin | 3.8518% | 1,817 |
| Noninterest income to average assets | 0.4527% | 2,777 |
| Noninterest expense to average assets | 2.4705% | 3,358 |
| Loan and lease loss provision to assets | 0.1002% | 2,430 |
| Net operating income to assets | 1.4651% | 847 |
| Return on assets (ROA) | 1.5489% | 769 |
| Pretax return on assets | 1.6071% | 1,031 |
| Return on Equity (ROE) | 15.2974% | 515 |
| Retained earnings to average equity (ytd only) | 7.9521% | 1,246 |
| Net charge-offs to loans | 0.0121% | 2,149 |
| Credit loss provision to net charge-offs | 1,550.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 276 |
| Efficiency ratio | 60.3953% | 3,689 |
| Assets per employee ($millions) | 5.9275% | 1,736 |
| Cash dividends to net income (ytd only)* | 48.0167% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,457 |
| Loan loss allowance to noncurrent loans | 1,526.5625% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,338 |
| Noncurrent loans to loans | 0.0961% | 4,124 |
| Net loans and leases to total assets | 52.7041% | 4,080 |
| Net loans and leases to deposits | 62.9945% | 4,036 |
| Net loans and leases to core deposits | 69.7614% | 3,895 |
| Total domestic deposits to total assets | 83.6646% | 2,900 |
| Equity capital to assets | 9.7294% | 4,014 |
| Core capital (leverage) ratio | 9.8909% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6165% | 1,711 |
| Memoranda: | ||
| Average total assets | $123,698,000 | 3,652 |
| Average earning assets | $116,827,000 | 3,615 |
| Average equity | $12,525,000 | 3,939 |
| Average total loans | $65,864,000 | 3,852 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 2,961 |
| Cost of funding earning assets | 0.7619% | 2,861 |
| Net interest margin | 3.7335% | 2,718 |
| Noninterest income to average assets | 0.4577% | 2,962 |
| Noninterest expense to average assets | 2.4911% | 3,475 |
| Loan and lease loss provision to assets | 0.0480% | 3,067 |
| Net operating income to assets | 1.3703% | 1,445 |
| Return on assets (ROA) | 1.3352% | 1,641 |
| Pretax return on assets | 1.3983% | 2,170 |
| Return on Equity (ROE) | 13.4931% | 1,013 |
| Retained earnings to average equity (ytd only) | 5.5010% | 2,162 |
| Net charge-offs to loans | 0.0788% | 1,972 |
| Credit loss provision to net charge-offs | 114.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 35.2600% | 1,423 |
| Efficiency ratio | 62.6799% | 3,266 |
| Assets per employee ($millions) | 6.1459% | 1,521 |
| Cash dividends to net income (ytd only)* | 59.2313% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,344 |
| Loan loss allowance to noncurrent loans | 1,437.8788% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,361 |
| Noncurrent loans to loans | 0.1013% | 4,118 |
| Net loans and leases to total assets | 52.2275% | 4,207 |
| Net loans and leases to deposits | 62.1414% | 4,185 |
| Net loans and leases to core deposits | 67.2692% | 4,122 |
| Total domestic deposits to total assets | 84.0463% | 2,837 |
| Equity capital to assets | 10.5265% | 3,422 |
| Core capital (leverage) ratio | 9.8268% | 3,700 |
| Tier 1 risk-based capital ratio | 14.5630% | 2,982 |
| Total risk-based capital ratio | 15.7101% | 2,934 |
| Memoranda: | ||
| Average total assets | $118,862,400 | 3,722 |
| Average earning assets | $111,959,800 | 3,678 |
| Average equity | $11,761,600 | 4,025 |
| Average total loans | $63,447,600 | 3,921 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 3,032 |
| Cost of funding earning assets | 0.7753% | 2,844 |
| Net interest margin | 3.7330% | 2,813 |
| Noninterest income to average assets | 0.4344% | 3,115 |
| Noninterest expense to average assets | 2.4698% | 3,514 |
| Loan and lease loss provision to assets | 0.0475% | 2,944 |
| Net operating income to assets | 1.3588% | 1,618 |
| Return on assets (ROA) | 1.3169% | 1,859 |
| Pretax return on assets | 1.3814% | 2,377 |
| Return on Equity (ROE) | 13.5338% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.2322% | 3,282 |
| Net charge-offs to loans | 0.0444% | 2,200 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 61.9986% | 1,034 |
| Efficiency ratio | 62.6399% | 3,227 |
| Assets per employee ($millions) | 6.0238% | 1,588 |
| Cash dividends to net income (ytd only)* | 68.7286% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 1,307 |
| Loan loss allowance to noncurrent loans | 1,046.7391% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,338 |
| Noncurrent loans to loans | 0.1413% | 4,033 |
| Net loans and leases to total assets | 53.2363% | 4,235 |
| Net loans and leases to deposits | 63.3884% | 4,213 |
| Net loans and leases to core deposits | 68.0477% | 4,173 |
| Total domestic deposits to total assets | 83.9844% | 2,834 |
| Equity capital to assets | 10.3523% | 3,675 |
| Core capital (leverage) ratio | 9.6754% | 3,999 |
| Tier 1 risk-based capital ratio | 14.3518% | 3,155 |
| Total risk-based capital ratio | 15.5467% | 3,083 |
| Memoranda: | ||
| Average total assets | $117,848,500 | 3,775 |
| Average earning assets | $110,756,250 | 3,737 |
| Average equity | $11,467,250 | 4,099 |
| Average total loans | $63,023,000 | 3,972 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 3,072 |
| Cost of funding earning assets | 0.7544% | 2,876 |
| Net interest margin | 3.7265% | 2,846 |
| Noninterest income to average assets | 0.4121% | 3,197 |
| Noninterest expense to average assets | 2.4382% | 3,637 |
| Loan and lease loss provision to assets | 0.0462% | 2,895 |
| Net operating income to assets | 1.3542% | 1,557 |
| Return on assets (ROA) | 1.2909% | 1,870 |
| Pretax return on assets | 1.3576% | 2,360 |
| Return on Equity (ROE) | 13.5641% | 1,084 |
| Retained earnings to average equity (ytd only) | 2.6050% | 3,889 |
| Net charge-offs to loans | 0.0578% | 1,815 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 47.7778% | 1,128 |
| Efficiency ratio | 62.3797% | 3,368 |
| Assets per employee ($millions) | 5.6307% | 1,839 |
| Cash dividends to net income (ytd only)* | 80.7947% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,297 |
| Loan loss allowance to noncurrent loans | 1,011.7021% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,366 |
| Noncurrent loans to loans | 0.1476% | 4,024 |
| Net loans and leases to total assets | 53.0454% | 4,287 |
| Net loans and leases to deposits | 63.7176% | 4,240 |
| Net loans and leases to core deposits | 70.2165% | 4,100 |
| Total domestic deposits to total assets | 83.2507% | 3,130 |
| Equity capital to assets | 10.1113% | 3,878 |
| Core capital (leverage) ratio | 9.6801% | 3,953 |
| Tier 1 risk-based capital ratio | 14.2047% | 3,206 |
| Total risk-based capital ratio | 15.3950% | 3,162 |
| Memoranda: | ||
| Average total assets | $116,972,670 | 3,811 |
| Average earning assets | $109,753,000 | 3,779 |
| Average equity | $11,132,330 | 4,154 |
| Average total loans | $62,330,670 | 4,003 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 3,067 |
| Cost of funding earning assets | 0.7175% | 2,959 |
| Net interest margin | 3.7272% | 2,793 |
| Noninterest income to average assets | 0.3954% | 3,209 |
| Noninterest expense to average assets | 2.4206% | 3,716 |
| Loan and lease loss provision to assets | 0.0413% | 2,802 |
| Net operating income to assets | 1.3581% | 1,499 |
| Return on assets (ROA) | 1.3581% | 1,541 |
| Pretax return on assets | 1.4166% | 2,026 |
| Return on Equity (ROE) | 14.7381% | 805 |
| Retained earnings to average equity (ytd only) | 6.1564% | 2,384 |
| Net charge-offs to loans | 0.1038% | 1,121 |
| Credit loss provision to net charge-offs | 75.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,403 |
| Efficiency ratio | 62.4113% | 3,469 |
| Assets per employee ($millions) | 5.8817% | 1,638 |
| Cash dividends to net income (ytd only)* | 58.2278% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,299 |
| Loan loss allowance to noncurrent loans | 642.4658% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,176 |
| Noncurrent loans to loans | 0.2354% | 3,731 |
| Net loans and leases to total assets | 51.9263% | 4,341 |
| Net loans and leases to deposits | 60.6421% | 4,379 |
| Net loans and leases to core deposits | 65.7513% | 4,291 |
| Total domestic deposits to total assets | 85.6275% | 2,431 |
| Equity capital to assets | 9.4547% | 4,300 |
| Core capital (leverage) ratio | 9.7889% | 3,825 |
| Tier 1 risk-based capital ratio | 14.5502% | 3,084 |
| Total risk-based capital ratio | 15.7506% | 3,026 |
| Memoranda: | ||
| Average total assets | $116,337,000 | 3,860 |
| Average earning assets | $108,714,000 | 3,835 |
| Average equity | $10,720,500 | 4,237 |
| Average total loans | $61,659,000 | 4,058 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 2,872 |
| Cost of funding earning assets | 0.5732% | 2,900 |
| Net interest margin | 3.7942% | 2,678 |
| Noninterest income to average assets | 0.4778% | 2,953 |
| Noninterest expense to average assets | 2.5403% | 3,501 |
| Loan and lease loss provision to assets | 0.0376% | 3,452 |
| Net operating income to assets | 1.3883% | 1,470 |
| Return on assets (ROA) | 1.3797% | 1,493 |
| Pretax return on assets | 1.4388% | 1,995 |
| Return on Equity (ROE) | 15.3800% | 748 |
| Retained earnings to average equity (ytd only) | 6.1041% | 2,140 |
| Net charge-offs to loans | 0.0288% | 2,826 |
| Credit loss provision to net charge-offs | 233.3333% | 1,267 |
| Earnings coverage of net charge-offs (x) | 92.2222% | 782 |
| Efficiency ratio | 63.1029% | 3,324 |
| Assets per employee ($millions) | 5.7520% | 1,718 |
| Cash dividends to net income (ytd only)* | 60.3113% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,181 |
| Loan loss allowance to noncurrent loans | 4,710.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,800 |
| Noncurrent loans to loans | 0.0326% | 4,627 |
| Net loans and leases to total assets | 52.4644% | 4,384 |
| Net loans and leases to deposits | 61.4138% | 4,405 |
| Net loans and leases to core deposits | 66.3577% | 4,334 |
| Total domestic deposits to total assets | 85.4277% | 2,462 |
| Equity capital to assets | 8.9699% | 4,604 |
| Core capital (leverage) ratio | 9.9437% | 3,655 |
| Tier 1 risk-based capital ratio | 14.4301% | 3,099 |
| Total risk-based capital ratio | 15.6434% | 3,032 |
| Memoranda: | ||
| Average total assets | $111,760,600 | 3,915 |
| Average earning assets | $104,501,600 | 3,908 |
| Average equity | $10,026,000 | 4,291 |
| Average total loans | $62,561,800 | 4,034 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,795 |
| Cost of funding earning assets | 0.5289% | 3,003 |
| Net interest margin | 3.8204% | 2,566 |
| Noninterest income to average assets | 0.5156% | 2,768 |
| Noninterest expense to average assets | 2.5815% | 3,340 |
| Loan and lease loss provision to assets | 0.0397% | 3,209 |
| Net operating income to assets | 1.4116% | 1,449 |
| Return on assets (ROA) | 1.4001% | 1,491 |
| Pretax return on assets | 1.4590% | 2,032 |
| Return on Equity (ROE) | 15.6066% | 765 |
| Retained earnings to average equity (ytd only) | 4.8896% | 3,298 |
| Net charge-offs to loans | 0.0273% | 2,559 |
| Credit loss provision to net charge-offs | 253.8462% | 1,165 |
| Earnings coverage of net charge-offs (x) | 96.7086% | 774 |
| Efficiency ratio | 63.0837% | 3,320 |
| Assets per employee ($millions) | 5.4623% | 1,950 |
| Cash dividends to net income (ytd only)* | 68.6697% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,457 |
| Loan loss allowance to noncurrent loans | 93,800.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,042 |
| Noncurrent loans to loans | 0.0016% | 4,947 |
| Net loans and leases to total assets | 57.6287% | 4,077 |
| Net loans and leases to deposits | 68.4382% | 4,032 |
| Net loans and leases to core deposits | 73.6589% | 3,967 |
| Total domestic deposits to total assets | 84.2054% | 2,873 |
| Equity capital to assets | 8.9321% | 4,607 |
| Core capital (leverage) ratio | 9.9938% | 3,646 |
| Tier 1 risk-based capital ratio | 13.9331% | 3,403 |
| Total risk-based capital ratio | 15.1259% | 3,337 |
| Memoranda: | ||
| Average total assets | $110,940,750 | 3,967 |
| Average earning assets | $103,859,750 | 3,955 |
| Average equity | $9,952,750 | 4,347 |
| Average total loans | $63,453,750 | 4,055 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,702 |
| Cost of funding earning assets | 0.4962% | 3,025 |
| Net interest margin | 3.8213% | 2,495 |
| Noninterest income to average assets | 0.5184% | 2,757 |
| Noninterest expense to average assets | 2.5487% | 3,481 |
| Loan and lease loss provision to assets | 0.0359% | 3,197 |
| Net operating income to assets | 1.4403% | 1,309 |
| Return on assets (ROA) | 1.4403% | 1,313 |
| Pretax return on assets | 1.4977% | 1,824 |
| Return on Equity (ROE) | 16.0317% | 668 |
| Retained earnings to average equity (ytd only) | 3.8532% | 3,675 |
| Net charge-offs to loans | 0.0316% | 2,224 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 786 |
| Efficiency ratio | 62.4341% | 3,568 |
| Assets per employee ($millions) | 5.2589% | 2,143 |
| Cash dividends to net income (ytd only)* | 75.9651% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,559 |
| Loan loss allowance to noncurrent loans | 23,200.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,045 |
| Noncurrent loans to loans | 0.0062% | 4,932 |
| Net loans and leases to total assets | 57.1185% | 4,074 |
| Net loans and leases to deposits | 67.0415% | 4,098 |
| Net loans and leases to core deposits | 70.1817% | 4,130 |
| Total domestic deposits to total assets | 85.1988% | 2,601 |
| Equity capital to assets | 8.9019% | 4,639 |
| Core capital (leverage) ratio | 9.6794% | 3,909 |
| Tier 1 risk-based capital ratio | 13.7184% | 3,501 |
| Total risk-based capital ratio | 14.8988% | 3,449 |
| Memoranda: | ||
| Average total assets | $111,505,670 | 3,993 |
| Average earning assets | $103,996,000 | 3,986 |
| Average equity | $10,017,670 | 4,379 |
| Average total loans | $63,306,670 | 4,090 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 2,665 |
| Cost of funding earning assets | 0.4292% | 3,377 |
| Net interest margin | 3.8323% | 2,290 |
| Noninterest income to average assets | 0.5177% | 2,701 |
| Noninterest expense to average assets | 2.5348% | 3,542 |
| Loan and lease loss provision to assets | 0.0250% | 3,192 |
| Net operating income to assets | 1.4709% | 1,147 |
| Return on assets (ROA) | 1.4709% | 1,147 |
| Pretax return on assets | 1.5280% | 1,600 |
| Return on Equity (ROE) | 16.2991% | 577 |
| Retained earnings to average equity (ytd only) | 7.2001% | 2,184 |
| Net charge-offs to loans | 0.0635% | 1,473 |
| Credit loss provision to net charge-offs | 70.0000% | 1,828 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,019 |
| Efficiency ratio | 62.0087% | 3,782 |
| Assets per employee ($millions) | 5.6540% | 1,801 |
| Cash dividends to net income (ytd only)* | 55.8252% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 56.7404% | 4,054 |
| Net loans and leases to deposits | 68.1646% | 3,935 |
| Net loans and leases to core deposits | 71.3498% | 4,013 |
| Total domestic deposits to total assets | 83.2402% | 3,595 |
| Equity capital to assets | 8.7389% | 4,795 |
| Core capital (leverage) ratio | 9.6469% | 3,910 |
| Tier 1 risk-based capital ratio | 13.5554% | 3,630 |
| Total risk-based capital ratio | 14.7067% | 3,603 |
| Memoranda: | ||
| Average total assets | $112,040,000 | 4,027 |
| Average earning assets | $104,375,500 | 4,023 |
| Average equity | $10,111,000 | 4,410 |
| Average total loans | $62,956,000 | 4,131 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 2,813 |
| Cost of funding earning assets | 0.3890% | 3,343 |
| Net interest margin | 3.7782% | 2,508 |
| Noninterest income to average assets | 0.5448% | 2,748 |
| Noninterest expense to average assets | 2.6401% | 3,315 |
| Loan and lease loss provision to assets | 0.0425% | 3,399 |
| Net operating income to assets | 1.3155% | 1,186 |
| Return on assets (ROA) | 1.3279% | 1,185 |
| Pretax return on assets | 1.3824% | 2,050 |
| Return on Equity (ROE) | 14.4126% | 699 |
| Retained earnings to average equity (ytd only) | 5.8933% | 1,597 |
| Net charge-offs to loans | 0.0102% | 3,726 |
| Credit loss provision to net charge-offs | 766.6667% | 436 |
| Earnings coverage of net charge-offs (x) | 254.8333% | 327 |
| Efficiency ratio | 65.1550% | 3,414 |
| Assets per employee ($millions) | 5.2857% | 2,166 |
| Cash dividends to net income (ytd only)* | 59.1099% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 4,581 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.9793% | 4,367 |
| Net loans and leases to deposits | 64.7583% | 4,275 |
| Net loans and leases to core deposits | 68.2753% | 4,276 |
| Total domestic deposits to total assets | 83.3550% | 3,447 |
| Equity capital to assets | 9.3153% | 4,414 |
| Core capital (leverage) ratio | 9.2039% | 4,392 |
| Tier 1 risk-based capital ratio | 13.2398% | 3,763 |
| Total risk-based capital ratio | 14.4445% | 3,716 |
| Memoranda: | ||
| Average total assets | $108,291,800 | 4,096 |
| Average earning assets | $100,524,000 | 4,089 |
| Average equity | $9,977,400 | 4,453 |
| Average total loans | $59,019,000 | 4,222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 2,800 |
| Cost of funding earning assets | 0.3657% | 3,503 |
| Net interest margin | 3.7828% | 2,469 |
| Noninterest income to average assets | 0.5414% | 2,769 |
| Noninterest expense to average assets | 2.6253% | 3,337 |
| Loan and lease loss provision to assets | 0.0570% | 2,948 |
| Net operating income to assets | 1.3181% | 1,279 |
| Return on assets (ROA) | 1.3443% | 1,233 |
| Pretax return on assets | 1.3975% | 2,127 |
| Return on Equity (ROE) | 14.6320% | 716 |
| Retained earnings to average equity (ytd only) | 4.2480% | 3,374 |
| Net charge-offs to loans | 0.0137% | 3,249 |
| Credit loss provision to net charge-offs | 766.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 191.9950% | 452 |
| Efficiency ratio | 64.7814% | 3,409 |
| Assets per employee ($millions) | 5.1484% | 2,279 |
| Cash dividends to net income (ytd only)* | 70.9677% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 1,382 |
| Loan loss allowance to noncurrent loans | 784.6154% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,705 |
| Noncurrent loans to loans | 0.1967% | 4,293 |
| Net loans and leases to total assets | 54.1603% | 4,402 |
| Net loans and leases to deposits | 65.7202% | 4,273 |
| Net loans and leases to core deposits | 69.2430% | 4,288 |
| Total domestic deposits to total assets | 82.4106% | 3,657 |
| Equity capital to assets | 9.5694% | 4,374 |
| Core capital (leverage) ratio | 9.6946% | 3,943 |
| Tier 1 risk-based capital ratio | 13.9888% | 3,446 |
| Total risk-based capital ratio | 15.2333% | 3,367 |
| Memoranda: | ||
| Average total assets | $107,614,750 | 4,148 |
| Average earning assets | $99,888,250 | 4,142 |
| Average equity | $9,886,750 | 4,516 |
| Average total loans | $58,565,000 | 4,274 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,729 |
| Cost of funding earning assets | 0.3484% | 3,599 |
| Net interest margin | 3.7829% | 2,351 |
| Noninterest income to average assets | 0.5435% | 2,751 |
| Noninterest expense to average assets | 2.5966% | 3,441 |
| Loan and lease loss provision to assets | 0.0856% | 2,274 |
| Net operating income to assets | 1.3286% | 1,222 |
| Return on assets (ROA) | 1.3625% | 1,176 |
| Pretax return on assets | 1.4128% | 1,962 |
| Return on Equity (ROE) | 15.0406% | 652 |
| Retained earnings to average equity (ytd only) | 3.1232% | 3,851 |
| Net charge-offs to loans | 0.0103% | 3,096 |
| Credit loss provision to net charge-offs | 1,533.3333% | 267 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 326 |
| Efficiency ratio | 63.9615% | 3,679 |
| Assets per employee ($millions) | 5.1226% | 2,245 |
| Cash dividends to net income (ytd only)* | 79.2350% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,386 |
| Loan loss allowance to noncurrent loans | 46,050.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,318 |
| Noncurrent loans to loans | 0.0034% | 5,188 |
| Net loans and leases to total assets | 54.2306% | 4,374 |
| Net loans and leases to deposits | 65.3764% | 4,268 |
| Net loans and leases to core deposits | 68.3747% | 4,330 |
| Total domestic deposits to total assets | 82.9513% | 3,587 |
| Equity capital to assets | 9.5283% | 4,382 |
| Core capital (leverage) ratio | 9.5325% | 4,098 |
| Tier 1 risk-based capital ratio | 13.7631% | 3,560 |
| Total risk-based capital ratio | 15.0114% | 3,473 |
| Memoranda: | ||
| Average total assets | $107,447,670 | 4,176 |
| Average earning assets | $99,871,000 | 4,165 |
| Average equity | $9,733,670 | 4,556 |
| Average total loans | $58,262,000 | 4,305 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 2,646 |
| Cost of funding earning assets | 0.3158% | 3,896 |
| Net interest margin | 3.7859% | 2,163 |
| Noninterest income to average assets | 0.5438% | 2,688 |
| Noninterest expense to average assets | 2.6149% | 3,440 |
| Loan and lease loss provision to assets | 0.0819% | 2,179 |
| Net operating income to assets | 1.3353% | 1,153 |
| Return on assets (ROA) | 1.3931% | 1,044 |
| Pretax return on assets | 1.4341% | 1,752 |
| Return on Equity (ROE) | 15.7881% | 552 |
| Retained earnings to average equity (ytd only) | 6.5010% | 2,080 |
| Net charge-offs to loans | 0.0069% | 2,733 |
| Credit loss provision to net charge-offs | 2,200.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 149 |
| Efficiency ratio | 64.2269% | 3,795 |
| Assets per employee ($millions) | 5.1060% | 2,296 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.6796% | 4,363 |
| Net loans and leases to deposits | 64.3470% | 4,292 |
| Net loans and leases to core deposits | 66.2458% | 4,414 |
| Total domestic deposits to total assets | 83.4221% | 3,686 |
| Equity capital to assets | 8.9828% | 4,820 |
| Core capital (leverage) ratio | 9.4530% | 4,172 |
| Tier 1 risk-based capital ratio | 13.9640% | 3,506 |
| Total risk-based capital ratio | 15.2000% | 3,422 |
| Memoranda: | ||
| Average total assets | $107,384,500 | 4,218 |
| Average earning assets | $100,056,500 | 4,201 |
| Average equity | $9,475,500 | 4,629 |
| Average total loans | $57,763,500 | 4,357 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 2,943 |
| Cost of funding earning assets | 0.3336% | 3,709 |
| Net interest margin | 3.7394% | 2,538 |
| Noninterest income to average assets | 0.6008% | 2,660 |
| Noninterest expense to average assets | 2.7573% | 3,167 |
| Loan and lease loss provision to assets | 0.0298% | 3,758 |
| Net operating income to assets | 1.2511% | 1,357 |
| Return on assets (ROA) | 1.3801% | 1,094 |
| Pretax return on assets | 1.4338% | 1,807 |
| Return on Equity (ROE) | 14.3544% | 719 |
| Retained earnings to average equity (ytd only) | 6.0193% | 1,692 |
| Net charge-offs to loans | 0.0218% | 3,609 |
| Credit loss provision to net charge-offs | 258.3333% | 1,118 |
| Earnings coverage of net charge-offs (x) | 115.4167% | 527 |
| Efficiency ratio | 67.4730% | 3,353 |
| Assets per employee ($millions) | 5.1210% | 2,266 |
| Cash dividends to net income (ytd only)* | 58.0668% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,540 |
| Loan loss allowance to noncurrent loans | 1,829.1667% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,163 |
| Noncurrent loans to loans | 0.0841% | 4,910 |
| Net loans and leases to total assets | 52.2503% | 4,585 |
| Net loans and leases to deposits | 63.2817% | 4,455 |
| Net loans and leases to core deposits | 65.3574% | 4,560 |
| Total domestic deposits to total assets | 82.5677% | 3,908 |
| Equity capital to assets | 8.6655% | 5,136 |
| Core capital (leverage) ratio | 9.3665% | 4,263 |
| Tier 1 risk-based capital ratio | 14.0214% | 3,455 |
| Total risk-based capital ratio | 15.2521% | 3,370 |
| Memoranda: | ||
| Average total assets | $104,196,000 | 4,282 |
| Average earning assets | $97,129,000 | 4,251 |
| Average equity | $10,017,800 | 4,568 |
| Average total loans | $54,999,800 | 4,432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 2,949 |
| Cost of funding earning assets | 0.3109% | 3,966 |
| Net interest margin | 3.7687% | 2,458 |
| Noninterest income to average assets | 0.6011% | 2,652 |
| Noninterest expense to average assets | 2.7708% | 3,110 |
| Loan and lease loss provision to assets | 0.0297% | 3,646 |
| Net operating income to assets | 1.2734% | 1,371 |
| Return on assets (ROA) | 1.4486% | 1,025 |
| Pretax return on assets | 1.4989% | 1,715 |
| Return on Equity (ROE) | 14.6902% | 705 |
| Retained earnings to average equity (ytd only) | 4.6831% | 3,032 |
| Net charge-offs to loans | 0.0196% | 3,309 |
| Credit loss provision to net charge-offs | 287.5000% | 1,076 |
| Earnings coverage of net charge-offs (x) | 130.5811% | 523 |
| Efficiency ratio | 67.2722% | 3,366 |
| Assets per employee ($millions) | 5.0351% | 2,329 |
| Cash dividends to net income (ytd only)* | 68.1206% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.2784% | 4,559 |
| Net loans and leases to deposits | 65.6761% | 4,373 |
| Net loans and leases to core deposits | 68.1387% | 4,461 |
| Total domestic deposits to total assets | 81.1230% | 4,221 |
| Equity capital to assets | 9.8395% | 4,315 |
| Core capital (leverage) ratio | 9.3133% | 4,442 |
| Tier 1 risk-based capital ratio | 13.8541% | 3,634 |
| Total risk-based capital ratio | 15.0950% | 3,568 |
| Memoranda: | ||
| Average total assets | $103,359,500 | 4,331 |
| Average earning assets | $96,476,250 | 4,295 |
| Average equity | $10,192,500 | 4,583 |
| Average total loans | $54,482,500 | 4,482 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,921 |
| Cost of funding earning assets | 0.2955% | 4,186 |
| Net interest margin | 3.7893% | 2,366 |
| Noninterest income to average assets | 0.5947% | 2,646 |
| Noninterest expense to average assets | 2.7962% | 3,042 |
| Loan and lease loss provision to assets | 0.0273% | 3,579 |
| Net operating income to assets | 1.2562% | 1,401 |
| Return on assets (ROA) | 1.5210% | 905 |
| Pretax return on assets | 1.5697% | 1,456 |
| Return on Equity (ROE) | 15.4120% | 622 |
| Retained earnings to average equity (ytd only) | 3.9518% | 3,387 |
| Net charge-offs to loans | 0.0373% | 2,713 |
| Credit loss provision to net charge-offs | 140.0000% | 1,684 |
| Earnings coverage of net charge-offs (x) | 67.9000% | 799 |
| Efficiency ratio | 67.8656% | 3,373 |
| Assets per employee ($millions) | 4.9578% | 2,349 |
| Cash dividends to net income (ytd only)* | 74.3590% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.5464% | 4,714 |
| Net loans and leases to deposits | 63.7148% | 4,512 |
| Net loans and leases to core deposits | 65.7394% | 4,625 |
| Total domestic deposits to total assets | 80.9017% | 4,305 |
| Equity capital to assets | 9.9679% | 4,269 |
| Core capital (leverage) ratio | 9.3809% | 4,358 |
| Tier 1 risk-based capital ratio | 13.9669% | 3,626 |
| Total risk-based capital ratio | 15.2166% | 3,547 |
| Memoranda: | ||
| Average total assets | $102,567,000 | 4,377 |
| Average earning assets | $95,425,670 | 4,354 |
| Average equity | $10,122,000 | 4,623 |
| Average total loans | $53,573,670 | 4,537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,017 |
| Cost of funding earning assets | 0.2723% | 4,476 |
| Net interest margin | 3.7826% | 2,359 |
| Noninterest income to average assets | 0.5619% | 2,731 |
| Noninterest expense to average assets | 2.8961% | 2,719 |
| Loan and lease loss provision to assets | 0.0236% | 3,377 |
| Net operating income to assets | 1.1718% | 1,638 |
| Return on assets (ROA) | 1.5954% | 749 |
| Pretax return on assets | 1.6229% | 1,243 |
| Return on Equity (ROE) | 16.2497% | 508 |
| Retained earnings to average equity (ytd only) | 7.8447% | 1,527 |
| Net charge-offs to loans | 0.0603% | 1,905 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 1,025 |
| Efficiency ratio | 70.4589% | 3,046 |
| Assets per employee ($millions) | 5.1251% | 2,210 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.2068% | 4,613 |
| Net loans and leases to deposits | 63.0507% | 4,501 |
| Net loans and leases to core deposits | 64.4401% | 4,661 |
| Total domestic deposits to total assets | 82.8013% | 3,965 |
| Equity capital to assets | 9.8544% | 4,266 |
| Core capital (leverage) ratio | 9.3691% | 4,400 |
| Tier 1 risk-based capital ratio | 14.3944% | 3,450 |
| Total risk-based capital ratio | 15.6454% | 3,381 |
| Memoranda: | ||
| Average total assets | $101,793,500 | 4,433 |
| Average earning assets | $95,489,000 | 4,389 |
| Average equity | $9,994,000 | 4,661 |
| Average total loans | $53,095,500 | 4,586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 2,883 |
| Cost of funding earning assets | 0.2915% | 4,351 |
| Net interest margin | 3.8169% | 2,319 |
| Noninterest income to average assets | 0.6102% | 2,674 |
| Noninterest expense to average assets | 2.7460% | 3,426 |
| Loan and lease loss provision to assets | 0.0157% | 4,097 |
| Net operating income to assets | 1.3385% | 1,179 |
| Return on assets (ROA) | 1.4320% | 1,009 |
| Pretax return on assets | 1.4901% | 1,587 |
| Return on Equity (ROE) | 15.1733% | 661 |
| Retained earnings to average equity (ytd only) | 6.2049% | 1,700 |
| Net charge-offs to loans | 0.0780% | 2,703 |
| Credit loss provision to net charge-offs | 39.0244% | 3,541 |
| Earnings coverage of net charge-offs (x) | 34.9024% | 1,302 |
| Efficiency ratio | 66.0981% | 3,889 |
| Assets per employee ($millions) | 5.0543% | 2,299 |
| Cash dividends to net income (ytd only)* | 59.1065% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,454 |
| Loan loss allowance to noncurrent loans | 42,950.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,728 |
| Noncurrent loans to loans | 0.0039% | 5,543 |
| Net loans and leases to total assets | 50.4150% | 4,833 |
| Net loans and leases to deposits | 58.9599% | 4,851 |
| Net loans and leases to core deposits | 60.0599% | 4,980 |
| Total domestic deposits to total assets | 85.5072% | 2,854 |
| Equity capital to assets | 9.7809% | 4,209 |
| Core capital (leverage) ratio | 9.2721% | 4,514 |
| Tier 1 risk-based capital ratio | 14.5185% | 3,438 |
| Total risk-based capital ratio | 15.7680% | 3,346 |
| Memoranda: | ||
| Average total assets | $101,603,400 | 4,430 |
| Average earning assets | $94,344,800 | 4,427 |
| Average equity | $9,589,200 | 4,728 |
| Average total loans | $52,567,400 | 4,594 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 2,887 |
| Cost of funding earning assets | 0.2867% | 4,486 |
| Net interest margin | 3.8268% | 2,280 |
| Noninterest income to average assets | 0.6002% | 2,734 |
| Noninterest expense to average assets | 2.7247% | 3,479 |
| Loan and lease loss provision to assets | 0.0184% | 3,912 |
| Net operating income to assets | 1.3588% | 1,204 |
| Return on assets (ROA) | 1.4770% | 994 |
| Pretax return on assets | 1.5321% | 1,590 |
| Return on Equity (ROE) | 15.7926% | 622 |
| Retained earnings to average equity (ytd only) | 5.1428% | 2,810 |
| Net charge-offs to loans | -0.0051% | 4,833 |
| Credit loss provision to net charge-offs | -700.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6250% | 3,956 |
| Assets per employee ($millions) | 5.0973% | 2,182 |
| Cash dividends to net income (ytd only)* | 67.4358% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,424 |
| 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 | 50.4331% | 4,898 |
| Net loans and leases to deposits | 58.8126% | 4,933 |
| Net loans and leases to core deposits | 59.9713% | 5,068 |
| Total domestic deposits to total assets | 85.7521% | 2,667 |
| Equity capital to assets | 9.4394% | 4,829 |
| Core capital (leverage) ratio | 9.0489% | 4,938 |
| Tier 1 risk-based capital ratio | 14.1240% | 3,784 |
| Total risk-based capital ratio | 15.3760% | 3,713 |
| Memoranda: | ||
| Average total assets | $101,733,000 | 4,478 |
| Average earning assets | $94,420,500 | 4,475 |
| Average equity | $9,514,750 | 4,806 |
| Average total loans | $52,754,000 | 4,637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 2,983 |
| Cost of funding earning assets | 0.2831% | 4,573 |
| Net interest margin | 3.7941% | 2,338 |
| Noninterest income to average assets | 0.5508% | 3,035 |
| Noninterest expense to average assets | 2.7109% | 3,562 |
| Loan and lease loss provision to assets | 0.0177% | 3,775 |
| Net operating income to assets | 1.3118% | 1,287 |
| Return on assets (ROA) | 1.4912% | 958 |
| Pretax return on assets | 1.5404% | 1,525 |
| Return on Equity (ROE) | 15.9938% | 611 |
| Retained earnings to average equity (ytd only) | 3.7558% | 3,616 |
| Net charge-offs to loans | -0.0076% | 4,852 |
| Credit loss provision to net charge-offs | -450.0000% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3776% | 3,949 |
| Assets per employee ($millions) | 5.0510% | 2,211 |
| Cash dividends to net income (ytd only)* | 76.5172% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,683 |
| Loan loss allowance to noncurrent loans | 9,944.4444% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 5,863 |
| Noncurrent loans to loans | 0.0168% | 5,696 |
| Net loans and leases to total assets | 52.1085% | 4,744 |
| Net loans and leases to deposits | 61.6350% | 4,727 |
| Net loans and leases to core deposits | 62.8883% | 4,885 |
| Total domestic deposits to total assets | 84.5437% | 3,322 |
| Equity capital to assets | 9.1734% | 5,053 |
| Core capital (leverage) ratio | 8.8084% | 5,220 |
| Tier 1 risk-based capital ratio | 13.9118% | 3,978 |
| Total risk-based capital ratio | 15.1632% | 3,911 |
| Memoranda: | ||
| Average total assets | $101,662,330 | 4,519 |
| Average earning assets | $94,673,000 | 4,505 |
| Average equity | $9,478,670 | 4,843 |
| Average total loans | $52,900,670 | 4,676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 2,995 |
| Cost of funding earning assets | 0.2735% | 4,742 |
| Net interest margin | 3.7868% | 2,272 |
| Noninterest income to average assets | 0.5570% | 2,912 |
| Noninterest expense to average assets | 2.7024% | 3,580 |
| Loan and lease loss provision to assets | 0.0235% | 3,402 |
| Net operating income to assets | 1.3028% | 1,267 |
| Return on assets (ROA) | 1.6003% | 741 |
| Pretax return on assets | 1.6709% | 1,113 |
| Return on Equity (ROE) | 17.0275% | 468 |
| Retained earnings to average equity (ytd only) | 7.8460% | 1,629 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1228% | 4,138 |
| Assets per employee ($millions) | 5.4431% | 1,843 |
| Cash dividends to net income (ytd only)* | 53.9216% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 49.6853% | 4,884 |
| Net loans and leases to deposits | 59.2453% | 4,806 |
| Net loans and leases to core deposits | 60.4333% | 4,958 |
| Total domestic deposits to total assets | 83.8637% | 3,865 |
| Equity capital to assets | 9.3039% | 4,958 |
| Core capital (leverage) ratio | 8.8323% | 5,158 |
| Tier 1 risk-based capital ratio | 14.2132% | 3,874 |
| Total risk-based capital ratio | 15.4650% | 3,800 |
| Memoranda: | ||
| Average total assets | $101,983,500 | 4,556 |
| Average earning assets | $95,066,500 | 4,530 |
| Average equity | $9,584,500 | 4,865 |
| Average total loans | $52,583,500 | 4,714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 2,877 |
| Cost of funding earning assets | 0.3198% | 4,582 |
| Net interest margin | 3.9014% | 2,236 |
| Noninterest income to average assets | 0.6253% | 2,709 |
| Noninterest expense to average assets | 2.6552% | 4,024 |
| Loan and lease loss provision to assets | 0.0211% | 4,189 |
| Net operating income to assets | 1.4794% | 916 |
| Return on assets (ROA) | 1.5093% | 897 |
| Pretax return on assets | 1.5788% | 1,298 |
| Return on Equity (ROE) | 16.9666% | 495 |
| Retained earnings to average equity (ytd only) | 6.8364% | 1,482 |
| Net charge-offs to loans | 0.0154% | 4,572 |
| Credit loss provision to net charge-offs | 262.5000% | 975 |
| Earnings coverage of net charge-offs (x) | 194.7500% | 276 |
| Efficiency ratio | 62.8605% | 4,774 |
| Assets per employee ($millions) | 5.2920% | 1,974 |
| Cash dividends to net income (ytd only)* | 59.7065% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.7255% | 4,810 |
| Net loans and leases to deposits | 61.4147% | 4,770 |
| Net loans and leases to core deposits | 62.5808% | 4,956 |
| Total domestic deposits to total assets | 84.2235% | 3,620 |
| Equity capital to assets | 9.4950% | 4,732 |
| Core capital (leverage) ratio | 8.7136% | 5,336 |
| Tier 1 risk-based capital ratio | 13.9227% | 4,150 |
| Total risk-based capital ratio | 15.1751% | 4,081 |
| Memoranda: | ||
| Average total assets | $99,315,200 | 4,618 |
| Average earning assets | $91,609,000 | 4,613 |
| Average equity | $8,835,000 | 5,016 |
| Average total loans | $51,978,200 | 4,755 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,843 |
| Cost of funding earning assets | 0.3162% | 4,716 |
| Net interest margin | 3.9227% | 2,144 |
| Noninterest income to average assets | 0.6329% | 2,668 |
| Noninterest expense to average assets | 2.6179% | 4,139 |
| Loan and lease loss provision to assets | 0.0202% | 4,002 |
| Net operating income to assets | 1.5369% | 867 |
| Return on assets (ROA) | 1.5769% | 818 |
| Pretax return on assets | 1.6456% | 1,191 |
| Return on Equity (ROE) | 18.0350% | 443 |
| Retained earnings to average equity (ytd only) | 6.0990% | 2,348 |
| Net charge-offs to loans | 0.0026% | 4,621 |
| Credit loss provision to net charge-offs | 1,500.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 1,208.9925% | 53 |
| Efficiency ratio | 61.7143% | 4,930 |
| Assets per employee ($millions) | 5.3259% | 1,880 |
| Cash dividends to net income (ytd only)* | 66.1831% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 2,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.8480% | 4,826 |
| Net loans and leases to deposits | 61.6775% | 4,774 |
| Net loans and leases to core deposits | 62.5429% | 5,000 |
| Total domestic deposits to total assets | 84.0630% | 3,731 |
| Equity capital to assets | 9.0709% | 5,275 |
| Core capital (leverage) ratio | 8.5736% | 5,575 |
| Tier 1 risk-based capital ratio | 13.5278% | 4,522 |
| Total risk-based capital ratio | 14.7790% | 4,462 |
| Memoranda: | ||
| Average total assets | $99,007,000 | 4,666 |
| Average earning assets | $91,090,500 | 4,670 |
| Average equity | $8,657,000 | 5,098 |
| Average total loans | $51,749,500 | 4,806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,796 |
| Cost of funding earning assets | 0.3171% | 4,797 |
| Net interest margin | 3.9249% | 2,068 |
| Noninterest income to average assets | 0.6288% | 2,661 |
| Noninterest expense to average assets | 2.5804% | 4,306 |
| Loan and lease loss provision to assets | 0.0183% | 3,900 |
| Net operating income to assets | 1.5675% | 764 |
| Return on assets (ROA) | 1.6280% | 694 |
| Pretax return on assets | 1.6952% | 1,029 |
| Return on Equity (ROE) | 18.8613% | 371 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,920 |
| Net charge-offs to loans | -0.0117% | 5,366 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9909% | 5,145 |
| Assets per employee ($millions) | 5.2324% | 1,933 |
| Cash dividends to net income (ytd only)* | 73.1250% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 2,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.7772% | 4,666 |
| Net loans and leases to deposits | 64.7039% | 4,417 |
| Net loans and leases to core deposits | 65.6560% | 4,670 |
| Total domestic deposits to total assets | 81.5674% | 4,795 |
| Equity capital to assets | 9.0116% | 5,290 |
| Core capital (leverage) ratio | 8.5700% | 5,561 |
| Tier 1 risk-based capital ratio | 13.2430% | 4,760 |
| Total risk-based capital ratio | 14.4941% | 4,693 |
| Memoranda: | ||
| Average total assets | $98,278,670 | 4,721 |
| Average earning assets | $90,194,000 | 4,724 |
| Average equity | $8,483,000 | 5,160 |
| Average total loans | $51,215,670 | 4,852 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 2,745 |
| Cost of funding earning assets | 0.3047% | 5,015 |
| Net interest margin | 3.9302% | 1,979 |
| Noninterest income to average assets | 0.6263% | 2,589 |
| Noninterest expense to average assets | 2.5668% | 4,389 |
| Loan and lease loss provision to assets | 0.0287% | 3,453 |
| Net operating income to assets | 1.5648% | 714 |
| Return on assets (ROA) | 1.6866% | 604 |
| Pretax return on assets | 1.7480% | 882 |
| Return on Equity (ROE) | 19.9879% | 285 |
| Retained earnings to average equity (ytd only) | 10.0424% | 952 |
| Net charge-offs to loans | 0.0160% | 3,272 |
| Credit loss provision to net charge-offs | 350.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 242 |
| Efficiency ratio | 60.8738% | 5,280 |
| Assets per employee ($millions) | 5.5323% | 1,677 |
| Cash dividends to net income (ytd only)* | 49.7573% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 2,266 |
| Loan loss allowance to noncurrent loans | 550.9434% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 5,763 |
| Noncurrent loans to loans | 0.3134% | 5,164 |
| Net loans and leases to total assets | 50.0623% | 4,902 |
| Net loans and leases to deposits | 59.3417% | 4,820 |
| Net loans and leases to core deposits | 60.1820% | 5,024 |
| Total domestic deposits to total assets | 84.3626% | 4,138 |
| Equity capital to assets | 8.5136% | 5,646 |
| Core capital (leverage) ratio | 8.6614% | 5,441 |
| Tier 1 risk-based capital ratio | 13.6790% | 4,554 |
| Total risk-based capital ratio | 14.9303% | 4,508 |
| Memoranda: | ||
| Average total assets | $97,710,000 | 4,780 |
| Average earning assets | $89,258,000 | 4,794 |
| Average equity | $8,245,000 | 5,230 |
| Average total loans | $50,147,500 | 4,924 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 2,526 |
| Cost of funding earning assets | 0.3675% | 4,983 |
| Net interest margin | 4.0488% | 1,807 |
| Noninterest income to average assets | 0.6455% | 2,832 |
| Noninterest expense to average assets | 2.7616% | 3,865 |
| Loan and lease loss provision to assets | 0.0487% | 4,157 |
| Net operating income to assets | 1.4881% | 845 |
| Return on assets (ROA) | 1.5432% | 793 |
| Pretax return on assets | 1.6147% | 1,132 |
| Return on Equity (ROE) | 17.3793% | 462 |
| Retained earnings to average equity (ytd only) | 7.1956% | 1,360 |
| Net charge-offs to loans | -0.0262% | 6,196 |
| Credit loss provision to net charge-offs | -346.1538% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2284% | 5,020 |
| Assets per employee ($millions) | 5.3243% | 1,821 |
| Cash dividends to net income (ytd only)* | 58.5965% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 2,205 |
| Loan loss allowance to noncurrent loans | 2,292.1053% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,093 |
| Noncurrent loans to loans | 0.0767% | 5,987 |
| Net loans and leases to total assets | 50.8097% | 4,986 |
| Net loans and leases to deposits | 61.2801% | 4,796 |
| Net loans and leases to core deposits | 62.1974% | 5,040 |
| Total domestic deposits to total assets | 82.9139% | 4,571 |
| Equity capital to assets | 8.3599% | 5,727 |
| Core capital (leverage) ratio | 8.5896% | 5,557 |
| Tier 1 risk-based capital ratio | 14.6168% | 3,890 |
| Total risk-based capital ratio | 15.8699% | 3,832 |
| Memoranda: | ||
| Average total assets | $92,338,400 | 4,923 |
| Average earning assets | $84,889,000 | 4,911 |
| Average equity | $8,199,400 | 5,288 |
| Average total loans | $49,698,600 | 4,972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,477 |
| Cost of funding earning assets | 0.3669% | 5,128 |
| Net interest margin | 4.0688% | 1,732 |
| Noninterest income to average assets | 0.6574% | 2,842 |
| Noninterest expense to average assets | 2.7522% | 3,823 |
| Loan and lease loss provision to assets | 0.0481% | 4,051 |
| Net operating income to assets | 1.5235% | 863 |
| Return on assets (ROA) | 1.5977% | 798 |
| Pretax return on assets | 1.6691% | 1,164 |
| Return on Equity (ROE) | 17.7208% | 463 |
| Retained earnings to average equity (ytd only) | 5.8368% | 2,518 |
| Net charge-offs to loans | -0.0348% | 6,200 |
| Credit loss provision to net charge-offs | -253.8462% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6618% | 5,037 |
| Assets per employee ($millions) | 5.1850% | 1,952 |
| Cash dividends to net income (ytd only)* | 67.0622% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 2,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 6,334 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.9908% | 4,874 |
| Net loans and leases to deposits | 62.1843% | 4,736 |
| Net loans and leases to core deposits | 63.1308% | 4,995 |
| Total domestic deposits to total assets | 83.6076% | 4,347 |
| Equity capital to assets | 8.3446% | 5,879 |
| Core capital (leverage) ratio | 8.6466% | 5,605 |
| Tier 1 risk-based capital ratio | 14.2640% | 4,244 |
| Total risk-based capital ratio | 15.5183% | 4,183 |
| Memoranda: | ||
| Average total assets | $91,463,500 | 4,991 |
| Average earning assets | $83,954,250 | 4,977 |
| Average equity | $8,246,250 | 5,326 |
| Average total loans | $49,731,750 | 5,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 2,390 |
| Cost of funding earning assets | 0.3717% | 5,214 |
| Net interest margin | 4.0765% | 1,610 |
| Noninterest income to average assets | 0.6451% | 2,937 |
| Noninterest expense to average assets | 2.7080% | 3,998 |
| Loan and lease loss provision to assets | 0.0462% | 4,046 |
| Net operating income to assets | 1.5925% | 756 |
| Return on assets (ROA) | 1.7151% | 661 |
| Pretax return on assets | 1.7855% | 957 |
| Return on Equity (ROE) | 18.5498% | 424 |
| Retained earnings to average equity (ytd only) | 5.2149% | 2,914 |
| Net charge-offs to loans | -0.1083% | 6,521 |
| Credit loss provision to net charge-offs | -77.7778% | 5,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3772% | 5,267 |
| Assets per employee ($millions) | 4.7842% | 2,404 |
| Cash dividends to net income (ytd only)* | 71.8870% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 2,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,368 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.1062% | 4,434 |
| Net loans and leases to deposits | 66.6893% | 4,187 |
| Net loans and leases to core deposits | 67.7427% | 4,525 |
| Total domestic deposits to total assets | 82.6313% | 4,843 |
| Equity capital to assets | 8.6305% | 5,636 |
| Core capital (leverage) ratio | 8.5199% | 5,648 |
| Tier 1 risk-based capital ratio | 14.3913% | 4,166 |
| Total risk-based capital ratio | 15.6448% | 4,125 |
| Memoranda: | ||
| Average total assets | $90,841,330 | 5,040 |
| Average earning assets | $83,945,000 | 5,010 |
| Average equity | $8,399,000 | 5,337 |
| Average total loans | $49,848,330 | 5,029 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,501 |
| Cost of funding earning assets | 0.3657% | 5,408 |
| Net interest margin | 4.0414% | 1,642 |
| Noninterest income to average assets | 0.5990% | 3,144 |
| Noninterest expense to average assets | 2.6604% | 4,211 |
| Loan and lease loss provision to assets | 0.0352% | 4,003 |
| Net operating income to assets | 1.5933% | 715 |
| Return on assets (ROA) | 1.8412% | 491 |
| Pretax return on assets | 1.9072% | 723 |
| Return on Equity (ROE) | 19.2716% | 344 |
| Retained earnings to average equity (ytd only) | 10.0507% | 1,093 |
| Net charge-offs to loans | -0.2515% | 6,734 |
| Credit loss provision to net charge-offs | -25.8065% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1955% | 5,423 |
| Assets per employee ($millions) | 4.8073% | 2,475 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 3,031 |
| Loan loss allowance to noncurrent loans | 1,812.7660% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 6,456 |
| Noncurrent loans to loans | 0.0935% | 6,199 |
| Net loans and leases to total assets | 54.0810% | 4,402 |
| Net loans and leases to deposits | 66.1351% | 4,035 |
| Net loans and leases to core deposits | 67.1840% | 4,396 |
| Total domestic deposits to total assets | 81.7734% | 5,275 |
| Equity capital to assets | 9.4658% | 4,896 |
| Core capital (leverage) ratio | 8.5503% | 5,507 |
| Tier 1 risk-based capital ratio | 14.6413% | 4,073 |
| Total risk-based capital ratio | 15.8962% | 4,035 |
| Memoranda: | ||
| Average total assets | $90,812,500 | 5,080 |
| Average earning assets | $84,227,500 | 5,034 |
| Average equity | $8,676,000 | 5,312 |
| Average total loans | $49,296,500 | 5,083 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 1,986 |
| Cost of funding earning assets | 0.6392% | 4,011 |
| Net interest margin | 4.2209% | 1,601 |
| Noninterest income to average assets | 0.6734% | 2,865 |
| Noninterest expense to average assets | 2.9875% | 3,320 |
| Loan and lease loss provision to assets | 0.1675% | 3,522 |
| Net operating income to assets | 1.3578% | 1,184 |
| Return on assets (ROA) | 1.4854% | 1,046 |
| Pretax return on assets | 1.5524% | 1,509 |
| Return on Equity (ROE) | 15.7225% | 702 |
| Retained earnings to average equity (ytd only) | 6.2654% | 1,936 |
| Net charge-offs to loans | 0.1743% | 3,981 |
| Credit loss provision to net charge-offs | 176.4706% | 1,487 |
| Earnings coverage of net charge-offs (x) | 16.7176% | 1,563 |
| Efficiency ratio | 65.3076% | 4,645 |
| Assets per employee ($millions) | 5.0159% | 2,209 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 52.6449% | 4,818 |
| Net loans and leases to deposits | 64.5477% | 4,472 |
| Net loans and leases to core deposits | 65.8124% | 4,755 |
| Total domestic deposits to total assets | 81.5597% | 5,238 |
| Equity capital to assets | 9.6427% | 4,673 |
| Core capital (leverage) ratio | 8.3088% | 5,878 |
| Tier 1 risk-based capital ratio | 13.6107% | 4,666 |
| Total risk-based capital ratio | 14.8626% | 4,609 |
| Memoranda: | ||
| Average total assets | $89,539,400 | 5,099 |
| Average earning assets | $82,755,000 | 5,049 |
| Average equity | $8,459,200 | 5,372 |
| Average total loans | $48,759,400 | 5,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,867 |
| Cost of funding earning assets | 0.6520% | 4,177 |
| Net interest margin | 4.2867% | 1,511 |
| Noninterest income to average assets | 0.6461% | 3,012 |
| Noninterest expense to average assets | 2.9635% | 3,361 |
| Loan and lease loss provision to assets | 0.1940% | 3,150 |
| Net operating income to assets | 1.3918% | 1,243 |
| Return on assets (ROA) | 1.5623% | 1,025 |
| Pretax return on assets | 1.6295% | 1,481 |
| Return on Equity (ROE) | 16.6236% | 654 |
| Retained earnings to average equity (ytd only) | 5.5095% | 3,029 |
| Net charge-offs to loans | 0.2592% | 3,171 |
| Credit loss provision to net charge-offs | 136.8421% | 2,108 |
| Earnings coverage of net charge-offs (x) | 11.6108% | 2,066 |
| Efficiency ratio | 64.2927% | 4,760 |
| Assets per employee ($millions) | 4.7837% | 2,483 |
| Cash dividends to net income (ytd only)* | 66.8575% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 6,587 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.9567% | 5,054 |
| Net loans and leases to deposits | 63.7318% | 4,750 |
| Net loans and leases to core deposits | 65.0092% | 5,052 |
| Total domestic deposits to total assets | 81.5240% | 5,183 |
| Equity capital to assets | 9.5015% | 5,206 |
| Core capital (leverage) ratio | 8.0327% | 6,295 |
| Tier 1 risk-based capital ratio | 13.6522% | 4,781 |
| Total risk-based capital ratio | 14.9042% | 4,736 |
| Memoranda: | ||
| Average total assets | $89,352,750 | 5,161 |
| Average earning assets | $82,610,750 | 5,103 |
| Average equity | $8,397,500 | 5,441 |
| Average total loans | $48,863,250 | 5,207 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 1,801 |
| Cost of funding earning assets | 0.6821% | 4,168 |
| Net interest margin | 4.3142% | 1,448 |
| Noninterest income to average assets | 0.6326% | 3,059 |
| Noninterest expense to average assets | 2.9221% | 3,532 |
| Loan and lease loss provision to assets | 0.2251% | 2,827 |
| Net operating income to assets | 1.4122% | 1,166 |
| Return on assets (ROA) | 1.5894% | 957 |
| Pretax return on assets | 1.6569% | 1,375 |
| Return on Equity (ROE) | 16.9752% | 637 |
| Retained earnings to average equity (ytd only) | 3.9913% | 3,960 |
| Net charge-offs to loans | 0.3622% | 2,563 |
| Credit loss provision to net charge-offs | 112.3596% | 2,427 |
| Earnings coverage of net charge-offs (x) | 8.4719% | 2,292 |
| Efficiency ratio | 63.2554% | 5,038 |
| Assets per employee ($millions) | 4.7844% | 2,459 |
| Cash dividends to net income (ytd only)* | 76.4873% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,767 |
| Loan loss allowance to noncurrent loans | 612.0968% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 6,446 |
| Noncurrent loans to loans | 0.2537% | 6,068 |
| Net loans and leases to total assets | 52.9416% | 4,971 |
| Net loans and leases to deposits | 64.7360% | 4,672 |
| Net loans and leases to core deposits | 66.0255% | 5,000 |
| Total domestic deposits to total assets | 81.7808% | 5,206 |
| Equity capital to assets | 9.1965% | 5,466 |
| Core capital (leverage) ratio | 7.9847% | 6,294 |
| Tier 1 risk-based capital ratio | 12.9578% | 5,211 |
| Total risk-based capital ratio | 14.2096% | 5,186 |
| Memoranda: | ||
| Average total assets | $88,840,000 | 5,199 |
| Average earning assets | $82,101,330 | 5,147 |
| Average equity | $8,318,000 | 5,475 |
| Average total loans | $49,148,670 | 5,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 1,585 |
| Cost of funding earning assets | 0.6860% | 4,401 |
| Net interest margin | 4.4098% | 1,209 |
| Noninterest income to average assets | 0.6150% | 3,136 |
| Noninterest expense to average assets | 2.8699% | 3,745 |
| Loan and lease loss provision to assets | 0.3417% | 1,834 |
| Net operating income to assets | 1.4499% | 1,116 |
| Return on assets (ROA) | 1.8085% | 665 |
| Pretax return on assets | 1.8768% | 923 |
| Return on Equity (ROE) | 19.1394% | 443 |
| Retained earnings to average equity (ytd only) | 10.2206% | 1,210 |
| Net charge-offs to loans | 0.6980% | 1,427 |
| Credit loss provision to net charge-offs | 87.2093% | 2,599 |
| Earnings coverage of net charge-offs (x) | 4.7093% | 2,515 |
| Efficiency ratio | 60.8696% | 5,477 |
| Assets per employee ($millions) | 4.6778% | 2,694 |
| Cash dividends to net income (ytd only)* | 46.5995% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 4,166 |
| Loan loss allowance to noncurrent loans | 508.2759% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 5,876 |
| Noncurrent loans to loans | 0.2945% | 6,084 |
| Net loans and leases to total assets | 54.5584% | 4,628 |
| Net loans and leases to deposits | 66.1073% | 4,362 |
| Net loans and leases to core deposits | 67.2095% | 4,776 |
| Total domestic deposits to total assets | 82.5302% | 5,114 |
| Equity capital to assets | 9.3937% | 4,968 |
| Core capital (leverage) ratio | 8.1820% | 6,051 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,893 |
| Total risk-based capital ratio | 14.6555% | 4,885 |
| Memoranda: | ||
| Average total assets | $87,808,000 | 5,275 |
| Average earning assets | $81,635,500 | 5,200 |
| Average equity | $8,297,000 | 5,499 |
| Average total loans | $49,280,500 | 5,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3840% | 1,454 |
| Cost of funding earning assets | 1.0490% | 3,030 |
| Net interest margin | 4.3350% | 1,587 |
| Noninterest income to average assets | 0.6262% | 3,031 |
| Noninterest expense to average assets | 3.0903% | 3,234 |
| Loan and lease loss provision to assets | 0.0525% | 5,932 |
| Net operating income to assets | 1.3941% | 1,040 |
| Return on assets (ROA) | 1.4344% | 1,042 |
| Pretax return on assets | 1.4869% | 1,514 |
| Return on Equity (ROE) | 16.5862% | 524 |
| Retained earnings to average equity (ytd only) | 8.0908% | 1,047 |
| Net charge-offs to loans | -0.0746% | 7,103 |
| Credit loss provision to net charge-offs | -121.6216% | 6,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3615% | 4,502 |
| Assets per employee ($millions) | 4.3369% | 3,186 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,952 |
| Loan loss allowance to noncurrent loans | 245.2459% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 5,601 |
| Noncurrent loans to loans | 0.6182% | 5,476 |
| Net loans and leases to total assets | 56.0142% | 4,704 |
| Net loans and leases to deposits | 68.0872% | 4,441 |
| Net loans and leases to core deposits | 69.2508% | 4,877 |
| Total domestic deposits to total assets | 82.2682% | 5,040 |
| Equity capital to assets | 9.5057% | 4,882 |
| Core capital (leverage) ratio | 8.0276% | 6,232 |
| Tier 1 risk-based capital ratio | 13.0384% | 5,036 |
| Total risk-based capital ratio | 14.2907% | 5,013 |
| Memoranda: | ||
| Average total assets | $85,751,000 | 5,294 |
| Average earning assets | $78,362,000 | 5,282 |
| Average equity | $7,415,800 | 5,745 |
| Average total loans | $49,614,400 | 5,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 1,542 |
| Cost of funding earning assets | 1.0874% | 3,064 |
| Net interest margin | 4.3033% | 1,702 |
| Noninterest income to average assets | 0.6315% | 2,983 |
| Noninterest expense to average assets | 2.9768% | 3,649 |
| Loan and lease loss provision to assets | 0.0702% | 5,576 |
| Net operating income to assets | 1.4581% | 1,030 |
| Return on assets (ROA) | 1.5126% | 988 |
| Pretax return on assets | 1.5593% | 1,489 |
| Return on Equity (ROE) | 17.9413% | 464 |
| Retained earnings to average equity (ytd only) | 6.2887% | 2,378 |
| Net charge-offs to loans | -0.2415% | 7,282 |
| Credit loss provision to net charge-offs | -50.0000% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4215% | 4,822 |
| Assets per employee ($millions) | 4.3706% | 3,135 |
| Cash dividends to net income (ytd only)* | 64.9486% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,700 |
| Loan loss allowance to noncurrent loans | 237.6855% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5800% | 5,660 |
| Noncurrent loans to loans | 0.6702% | 5,543 |
| Net loans and leases to total assets | 56.6084% | 4,743 |
| Net loans and leases to deposits | 68.6192% | 4,501 |
| Net loans and leases to core deposits | 69.7745% | 4,974 |
| Total domestic deposits to total assets | 82.4965% | 4,882 |
| Equity capital to assets | 8.9016% | 5,859 |
| Core capital (leverage) ratio | 7.7912% | 6,568 |
| Tier 1 risk-based capital ratio | 12.4217% | 5,554 |
| Total risk-based capital ratio | 13.6749% | 5,545 |
| Memoranda: | ||
| Average total assets | $85,504,500 | 5,339 |
| Average earning assets | $77,861,250 | 5,334 |
| Average equity | $7,208,500 | 5,841 |
| Average total loans | $49,684,750 | 5,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4329% | 1,466 |
| Cost of funding earning assets | 1.1360% | 2,988 |
| Net interest margin | 4.2969% | 1,669 |
| Noninterest income to average assets | 0.5774% | 3,285 |
| Noninterest expense to average assets | 2.8821% | 4,094 |
| Loan and lease loss provision to assets | 0.1060% | 4,980 |
| Net operating income to assets | 1.4486% | 982 |
| Return on assets (ROA) | 1.5318% | 888 |
| Pretax return on assets | 1.5695% | 1,328 |
| Return on Equity (ROE) | 18.5247% | 418 |
| Retained earnings to average equity (ytd only) | 4.4174% | 3,382 |
| Net charge-offs to loans | -0.3597% | 7,361 |
| Credit loss provision to net charge-offs | -50.5618% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4362% | 5,160 |
| Assets per employee ($millions) | 4.5793% | 2,726 |
| Cash dividends to net income (ytd only)* | 76.1538% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,711 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 5,881 |
| Noncurrent loans to loans | 0.5581% | 5,801 |
| Net loans and leases to total assets | 56.7460% | 4,862 |
| Net loans and leases to deposits | 68.5051% | 4,635 |
| Net loans and leases to core deposits | 69.6562% | 5,110 |
| Total domestic deposits to total assets | 82.8347% | 4,831 |
| Equity capital to assets | 8.4154% | 6,285 |
| Core capital (leverage) ratio | 7.7461% | 6,548 |
| Tier 1 risk-based capital ratio | 11.6265% | 6,076 |
| Total risk-based capital ratio | 12.8776% | 6,064 |
| Memoranda: | ||
| Average total assets | $84,869,000 | 5,399 |
| Average earning assets | $76,939,000 | 5,396 |
| Average equity | $7,017,670 | 5,923 |
| Average total loans | $49,485,330 | 5,379 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,740 |
| Cost of funding earning assets | 1.1222% | 3,354 |
| Net interest margin | 4.2214% | 1,832 |
| Noninterest income to average assets | 0.5728% | 3,354 |
| Noninterest expense to average assets | 2.7733% | 4,551 |
| Loan and lease loss provision to assets | 0.1432% | 4,216 |
| Net operating income to assets | 1.4606% | 958 |
| Return on assets (ROA) | 1.4606% | 994 |
| Pretax return on assets | 1.4988% | 1,451 |
| Return on Equity (ROE) | 17.8283% | 494 |
| Retained earnings to average equity (ytd only) | 7.3411% | 2,007 |
| Net charge-offs to loans | 0.1221% | 3,799 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 22.9333% | 1,036 |
| Efficiency ratio | 62.8108% | 5,554 |
| Assets per employee ($millions) | 4.4498% | 2,977 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 4,706 |
| Loan loss allowance to noncurrent loans | 298.6842% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 6,045 |
| Noncurrent loans to loans | 0.4658% | 6,086 |
| Net loans and leases to total assets | 57.0830% | 4,790 |
| Net loans and leases to deposits | 67.8437% | 4,697 |
| Net loans and leases to core deposits | 69.0029% | 5,168 |
| Total domestic deposits to total assets | 84.1390% | 4,437 |
| Equity capital to assets | 8.3445% | 6,113 |
| Core capital (leverage) ratio | 7.8875% | 6,381 |
| Tier 1 risk-based capital ratio | 11.8334% | 5,831 |
| Total risk-based capital ratio | 13.0533% | 5,855 |
| Memoranda: | ||
| Average total assets | $83,800,000 | 5,475 |
| Average earning assets | $76,277,500 | 5,465 |
| Average equity | $6,865,500 | 5,968 |
| Average total loans | $49,141,500 | 5,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 1,373 |
| Cost of funding earning assets | 1.4179% | 3,148 |
| Net interest margin | 4.3445% | 1,665 |
| Noninterest income to average assets | 0.6527% | 3,134 |
| Noninterest expense to average assets | 3.0703% | 3,586 |
| Loan and lease loss provision to assets | 0.6381% | 2,580 |
| Net operating income to assets | 0.8698% | 2,509 |
| Return on assets (ROA) | 0.9748% | 2,238 |
| Pretax return on assets | 1.0161% | 2,876 |
| Return on Equity (ROE) | 11.7799% | 1,372 |
| Retained earnings to average equity (ytd only) | 4.2155% | 2,891 |
| Net charge-offs to loans | 0.8016% | 2,631 |
| Credit loss provision to net charge-offs | 127.7372% | 3,146 |
| Earnings coverage of net charge-offs (x) | 3.0925% | 3,528 |
| Efficiency ratio | 66.5262% | 4,862 |
| Assets per employee ($millions) | 4.1527% | 3,472 |
| Cash dividends to net income (ytd only)* | 64.2145% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 4,748 |
| Loan loss allowance to noncurrent loans | 2,296.5517% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 5,973 |
| Noncurrent loans to loans | 0.0588% | 6,975 |
| Net loans and leases to total assets | 58.6060% | 4,936 |
| Net loans and leases to deposits | 69.7175% | 4,847 |
| Net loans and leases to core deposits | 72.3712% | 5,174 |
| Total domestic deposits to total assets | 84.0620% | 4,336 |
| Equity capital to assets | 8.0382% | 6,457 |
| Core capital (leverage) ratio | 7.6148% | 6,609 |
| Tier 1 risk-based capital ratio | 11.8071% | 5,646 |
| Total risk-based capital ratio | 13.0207% | 5,673 |
| Memoranda: | ||
| Average total assets | $82,272,800 | 5,520 |
| Average earning assets | $75,038,000 | 5,512 |
| Average equity | $6,808,200 | 6,101 |
| Average total loans | $51,272,800 | 5,434 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7783% | 1,461 |
| Cost of funding earning assets | 1.4094% | 3,526 |
| Net interest margin | 4.3689% | 1,618 |
| Noninterest income to average assets | 0.6027% | 3,421 |
| Noninterest expense to average assets | 2.9337% | 3,970 |
| Loan and lease loss provision to assets | 0.5117% | 2,899 |
| Net operating income to assets | 1.1052% | 1,870 |
| Return on assets (ROA) | 1.2297% | 1,591 |
| Pretax return on assets | 1.2687% | 2,263 |
| Return on Equity (ROE) | 14.7533% | 902 |
| Retained earnings to average equity (ytd only) | 4.7164% | 3,181 |
| Net charge-offs to loans | 0.4251% | 3,591 |
| Credit loss provision to net charge-offs | 190.9091% | 1,882 |
| Earnings coverage of net charge-offs (x) | 6.1638% | 2,584 |
| Efficiency ratio | 63.9745% | 5,243 |
| Assets per employee ($millions) | 4.1680% | 3,508 |
| Cash dividends to net income (ytd only)* | 68.0316% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,568 |
| Loan loss allowance to noncurrent loans | 175.0623% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 5,101 |
| Noncurrent loans to loans | 0.7888% | 5,633 |
| Net loans and leases to total assets | 60.1452% | 4,883 |
| Net loans and leases to deposits | 72.2779% | 4,796 |
| Net loans and leases to core deposits | 73.1446% | 5,389 |
| Total domestic deposits to total assets | 83.2138% | 4,495 |
| Equity capital to assets | 8.7008% | 6,010 |
| Core capital (leverage) ratio | 7.6139% | 6,751 |
| Tier 1 risk-based capital ratio | 11.6650% | 5,765 |
| Total risk-based capital ratio | 12.9158% | 5,743 |
| Memoranda: | ||
| Average total assets | $82,077,750 | 5,594 |
| Average earning assets | $74,830,250 | 5,578 |
| Average equity | $6,841,250 | 6,166 |
| Average total loans | $51,756,000 | 5,492 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8114% | 1,398 |
| Cost of funding earning assets | 1.4139% | 3,788 |
| Net interest margin | 4.3974% | 1,448 |
| Noninterest income to average assets | 0.5854% | 3,444 |
| Noninterest expense to average assets | 2.9002% | 4,076 |
| Loan and lease loss provision to assets | 0.4287% | 3,183 |
| Net operating income to assets | 1.2207% | 1,507 |
| Return on assets (ROA) | 1.2419% | 1,509 |
| Pretax return on assets | 1.2933% | 2,107 |
| Return on Equity (ROE) | 15.1253% | 836 |
| Retained earnings to average equity (ytd only) | 3.3413% | 3,982 |
| Net charge-offs to loans | 0.2420% | 4,149 |
| Credit loss provision to net charge-offs | 277.7778% | 1,339 |
| Earnings coverage of net charge-offs (x) | 11.0159% | 1,811 |
| Efficiency ratio | 63.0458% | 5,510 |
| Assets per employee ($millions) | 4.3919% | 3,062 |
| Cash dividends to net income (ytd only)* | 77.9093% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,143 |
| Loan loss allowance to noncurrent loans | 92.7374% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 4,602 |
| Noncurrent loans to loans | 1.3553% | 4,679 |
| Net loans and leases to total assets | 62.5115% | 4,578 |
| Net loans and leases to deposits | 74.8150% | 4,545 |
| Net loans and leases to core deposits | 80.0503% | 4,691 |
| Total domestic deposits to total assets | 83.5548% | 4,310 |
| Equity capital to assets | 8.1633% | 6,582 |
| Core capital (leverage) ratio | 7.7105% | 6,596 |
| Tier 1 risk-based capital ratio | 11.3430% | 5,911 |
| Total risk-based capital ratio | 12.5376% | 5,939 |
| Memoranda: | ||
| Average total assets | $81,650,330 | 5,644 |
| Average earning assets | $74,543,330 | 5,624 |
| Average equity | $6,704,000 | 6,236 |
| Average total loans | $52,061,670 | 5,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 1,519 |
| Cost of funding earning assets | 1.4265% | 4,012 |
| Net interest margin | 4.3548% | 1,523 |
| Noninterest income to average assets | 0.5053% | 4,010 |
| Noninterest expense to average assets | 2.9176% | 3,989 |
| Loan and lease loss provision to assets | 0.3715% | 3,141 |
| Net operating income to assets | 1.1708% | 1,614 |
| Return on assets (ROA) | 1.2136% | 1,577 |
| Pretax return on assets | 1.2681% | 2,142 |
| Return on Equity (ROE) | 14.7368% | 918 |
| Retained earnings to average equity (ytd only) | 5.4135% | 2,926 |
| Net charge-offs to loans | 0.1548% | 3,999 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 16.1000% | 1,347 |
| Efficiency ratio | 64.6542% | 5,362 |
| Assets per employee ($millions) | 4.0265% | 3,813 |
| Cash dividends to net income (ytd only)* | 63.2653% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,630 |
| Loan loss allowance to noncurrent loans | 122.1328% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 5,087 |
| Noncurrent loans to loans | 0.9624% | 5,410 |
| Net loans and leases to total assets | 63.3772% | 4,453 |
| Net loans and leases to deposits | 75.5466% | 4,488 |
| Net loans and leases to core deposits | 79.9051% | 4,772 |
| Total domestic deposits to total assets | 83.8915% | 4,195 |
| Equity capital to assets | 8.3138% | 6,282 |
| Core capital (leverage) ratio | 7.7806% | 6,529 |
| Tier 1 risk-based capital ratio | 11.6231% | 5,554 |
| Total risk-based capital ratio | 12.7460% | 5,660 |
| Memoranda: | ||
| Average total assets | $80,752,000 | 5,743 |
| Average earning assets | $74,308,000 | 5,695 |
| Average equity | $6,650,000 | 6,306 |
| Average total loans | $51,678,500 | 5,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1972% | 1,245 |
| Cost of funding earning assets | 1.6540% | 4,770 |
| Net interest margin | 4.5432% | 1,092 |
| Noninterest income to average assets | 0.5344% | 4,146 |
| Noninterest expense to average assets | 2.9456% | 4,361 |
| Loan and lease loss provision to assets | 0.7492% | 2,864 |
| Net operating income to assets | 1.0079% | 1,810 |
| Return on assets (ROA) | 1.1026% | 1,542 |
| Pretax return on assets | 1.1500% | 2,097 |
| Return on Equity (ROE) | 13.8841% | 803 |
| Retained earnings to average equity (ytd only) | 5.8650% | 1,402 |
| Net charge-offs to loans | 1.0654% | 2,282 |
| Credit loss provision to net charge-offs | 106.0071% | 5,228 |
| Earnings coverage of net charge-offs (x) | 2.5477% | 3,848 |
| Efficiency ratio | 62.0626% | 6,147 |
| Assets per employee ($millions) | 4.0488% | 3,712 |
| Cash dividends to net income (ytd only)* | 57.7576% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 6,055 |
| Loan loss allowance to noncurrent loans | 206.7416% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 5,616 |
| Noncurrent loans to loans | 0.5163% | 6,218 |
| Net loans and leases to total assets | 63.1812% | 4,775 |
| Net loans and leases to deposits | 76.4967% | 4,655 |
| Net loans and leases to core deposits | 92.5338% | 4,826 |
| Total domestic deposits to total assets | 82.5934% | 4,710 |
| Equity capital to assets | 8.1568% | 6,394 |
| Core capital (leverage) ratio | 7.6234% | 6,653 |
| Tier 1 risk-based capital ratio | 11.4660% | 5,433 |
| Total risk-based capital ratio | 12.4880% | 5,630 |
| Memoranda: | ||
| Average total assets | $80,086,600 | 5,728 |
| Average earning assets | $74,243,600 | 5,669 |
| Average equity | $6,359,800 | 6,479 |
| Average total loans | $53,124,400 | 5,540 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2373% | 1,276 |
| Cost of funding earning assets | 1.6981% | 4,910 |
| Net interest margin | 4.5392% | 1,097 |
| Noninterest income to average assets | 0.5493% | 4,084 |
| Noninterest expense to average assets | 2.8247% | 4,785 |
| Loan and lease loss provision to assets | 1.0017% | 1,916 |
| Net operating income to assets | 0.8984% | 2,429 |
| Return on assets (ROA) | 1.0250% | 2,044 |
| Pretax return on assets | 1.0718% | 2,667 |
| Return on Equity (ROE) | 12.9975% | 1,119 |
| Retained earnings to average equity (ytd only) | 2.2015% | 4,099 |
| Net charge-offs to loans | 1.0023% | 1,966 |
| Credit loss provision to net charge-offs | 149.2537% | 3,229 |
| Earnings coverage of net charge-offs (x) | 2.8930% | 3,780 |
| Efficiency ratio | 59.2644% | 6,518 |
| Assets per employee ($millions) | 4.2103% | 3,362 |
| Cash dividends to net income (ytd only)* | 83.0611% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,116 |
| Loan loss allowance to noncurrent loans | 178.5536% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 5,325 |
| Noncurrent loans to loans | 0.7668% | 5,767 |
| Net loans and leases to total assets | 64.4782% | 4,757 |
| Net loans and leases to deposits | 78.1847% | 4,716 |
| Net loans and leases to core deposits | 94.6387% | 4,965 |
| Total domestic deposits to total assets | 82.4691% | 4,467 |
| Equity capital to assets | 7.9241% | 6,919 |
| Core capital (leverage) ratio | 7.3484% | 7,136 |
| Tier 1 risk-based capital ratio | 11.0152% | 5,937 |
| Total risk-based capital ratio | 12.2668% | 5,903 |
| Memoranda: | ||
| Average total assets | $79,864,500 | 5,768 |
| Average earning assets | $74,196,750 | 5,711 |
| Average equity | $6,298,500 | 6,556 |
| Average total loans | $53,477,250 | 5,571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2860% | 1,244 |
| Cost of funding earning assets | 1.7533% | 4,989 |
| Net interest margin | 4.5327% | 1,092 |
| Noninterest income to average assets | 0.5613% | 3,956 |
| Noninterest expense to average assets | 2.8213% | 4,870 |
| Loan and lease loss provision to assets | 0.8519% | 1,966 |
| Net operating income to assets | 1.0658% | 1,889 |
| Return on assets (ROA) | 1.2578% | 1,415 |
| Pretax return on assets | 1.3029% | 2,017 |
| Return on Equity (ROE) | 15.9745% | 699 |
| Retained earnings to average equity (ytd only) | 3.4049% | 3,426 |
| Net charge-offs to loans | 1.0247% | 1,733 |
| Credit loss provision to net charge-offs | 123.1884% | 3,775 |
| Earnings coverage of net charge-offs (x) | 2.8297% | 3,679 |
| Efficiency ratio | 59.0456% | 6,687 |
| Assets per employee ($millions) | 3.9744% | 3,727 |
| Cash dividends to net income (ytd only)* | 78.6853% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,605 |
| Loan loss allowance to noncurrent loans | 85.4626% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 5,037 |
| Noncurrent loans to loans | 1.2862% | 4,628 |
| Net loans and leases to total assets | 65.8762% | 4,583 |
| Net loans and leases to deposits | 80.1871% | 4,517 |
| Net loans and leases to core deposits | 97.8803% | 4,712 |
| Total domestic deposits to total assets | 82.1531% | 4,627 |
| Equity capital to assets | 7.8176% | 6,958 |
| Core capital (leverage) ratio | 7.4177% | 7,115 |
| Tier 1 risk-based capital ratio | 11.1140% | 5,761 |
| Total risk-based capital ratio | 12.2054% | 5,864 |
| Memoranda: | ||
| Average total assets | $79,820,670 | 5,807 |
| Average earning assets | $74,260,670 | 5,737 |
| Average equity | $6,285,000 | 6,613 |
| Average total loans | $53,871,000 | 5,603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 1,393 |
| Cost of funding earning assets | 1.8107% | 5,066 |
| Net interest margin | 4.4570% | 1,216 |
| Noninterest income to average assets | 0.5451% | 3,970 |
| Noninterest expense to average assets | 2.7854% | 4,616 |
| Loan and lease loss provision to assets | 0.6501% | 1,943 |
| Net operating income to assets | 1.2274% | 1,575 |
| Return on assets (ROA) | 1.3002% | 1,479 |
| Pretax return on assets | 1.3452% | 2,135 |
| Return on Equity (ROE) | 16.4544% | 760 |
| Retained earnings to average equity (ytd only) | 6.6450% | 2,355 |
| Net charge-offs to loans | 1.0233% | 1,315 |
| Credit loss provision to net charge-offs | 93.5252% | 3,934 |
| Earnings coverage of net charge-offs (x) | 2.7626% | 3,387 |
| Efficiency ratio | 59.1923% | 6,526 |
| Assets per employee ($millions) | 4.0297% | 3,602 |
| Cash dividends to net income (ytd only)* | 59.6154% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 6,584 |
| Loan loss allowance to noncurrent loans | 100.9921% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,405 |
| Noncurrent loans to loans | 0.9247% | 5,153 |
| Net loans and leases to total assets | 66.9959% | 4,345 |
| Net loans and leases to deposits | 82.8777% | 4,150 |
| Net loans and leases to core deposits | 101.2394% | 4,418 |
| Total domestic deposits to total assets | 80.8370% | 5,029 |
| Equity capital to assets | 7.8741% | 6,981 |
| Core capital (leverage) ratio | 7.3029% | 7,380 |
| Tier 1 risk-based capital ratio | 11.0255% | 5,892 |
| Total risk-based capital ratio | 11.9725% | 6,071 |
| Memoranda: | ||
| Average total assets | $79,987,500 | 5,821 |
| Average earning assets | $74,668,500 | 5,748 |
| Average equity | $6,320,500 | 6,654 |
| Average total loans | $54,334,000 | 5,614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6136% | 2,422 |
| Cost of funding earning assets | 2.4638% | 4,404 |
| Net interest margin | 4.1498% | 2,503 |
| Noninterest income to average assets | 0.5211% | 4,458 |
| Noninterest expense to average assets | 2.7249% | 5,154 |
| Loan and lease loss provision to assets | 0.5034% | 2,798 |
| Net operating income to assets | 1.0961% | 2,162 |
| Return on assets (ROA) | 1.1214% | 1,979 |
| Pretax return on assets | 1.1667% | 2,780 |
| Return on Equity (ROE) | 15.3420% | 875 |
| Retained earnings to average equity (ytd only) | 5.2690% | 1,875 |
| Net charge-offs to loans | 0.6810% | 1,808 |
| Credit loss provision to net charge-offs | 110.4972% | 4,878 |
| Earnings coverage of net charge-offs (x) | 3.6077% | 4,297 |
| Efficiency ratio | 62.3740% | 5,883 |
| Assets per employee ($millions) | 4.4101% | 2,773 |
| Cash dividends to net income (ytd only)* | 65.6566% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 6,365 |
| Loan loss allowance to noncurrent loans | 57.1114% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2182% | 3,802 |
| Noncurrent loans to loans | 1.6745% | 3,261 |
| Net loans and leases to total assets | 67.5808% | 4,537 |
| Net loans and leases to deposits | 84.8402% | 4,283 |
| Net loans and leases to core deposits | 102.4815% | 4,555 |
| Total domestic deposits to total assets | 79.6566% | 5,145 |
| Equity capital to assets | 7.9300% | 6,926 |
| Core capital (leverage) ratio | 7.3171% | 7,395 |
| Tier 1 risk-based capital ratio | 11.0428% | 5,687 |
| Total risk-based capital ratio | 12.0257% | 5,840 |
| Memoranda: | ||
| Average total assets | $79,452,000 | 5,721 |
| Average earning assets | $73,666,800 | 5,674 |
| Average equity | $5,807,600 | 6,877 |
| Average total loans | $53,160,600 | 5,570 |