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 | 3.7732% | 4,210 |
| Cost of funding earning assets | 1.3775% | 2,286 |
| Net interest margin | 2.3957% | 4,190 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.0228% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7037% | 3,188 |
| Return on assets (ROA) | 0.7037% | 3,160 |
| Pretax return on assets | 0.7520% | 3,333 |
| Return on Equity (ROE) | 7.5800% | 3,136 |
| Retained earnings to average equity (ytd only) | -2.1649% | 4,280 |
| Net charge-offs to loans | -0.0409% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.8986% | 1,564 |
| Assets per employee ($millions) | 8.6877% | 1,111 |
| Cash dividends to net income (ytd only)* | 128.5714% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3242% | 242 |
| Loan loss allowance to noncurrent loans | 1,271.7949% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 2,858 |
| Noncurrent loans to loans | 0.1827% | 2,598 |
| Net loans and leases to total assets | 53.3200% | 3,396 |
| Net loans and leases to deposits | 66.8409% | 3,119 |
| Net loans and leases to core deposits | 70.9110% | 3,249 |
| Total domestic deposits to total assets | 79.7700% | 3,498 |
| Equity capital to assets | 9.7188% | 2,187 |
| Core capital (leverage) ratio | 12.6104% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4077% | 745 |
| Memoranda: | ||
| Average total assets | $74,601,400 | 4,070 |
| Average earning assets | $72,087,400 | 4,013 |
| Average equity | $6,928,800 | 4,055 |
| Average total loans | $39,113,200 | 4,010 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7060% | 4,208 |
| Cost of funding earning assets | 1.2478% | 2,285 |
| Net interest margin | 2.4582% | 4,184 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.9863% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7326% | 3,225 |
| Return on assets (ROA) | 0.7326% | 3,209 |
| Pretax return on assets | 0.7815% | 3,378 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | -5.3243% | 4,429 |
| Net charge-offs to loans | -0.0558% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.7647% | 1,596 |
| Assets per employee ($millions) | 7.9401% | 1,374 |
| Cash dividends to net income (ytd only)* | 166.6667% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6585% | 164 |
| Loan loss allowance to noncurrent loans | 542.0765% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 1,990 |
| Noncurrent loans to loans | 0.4904% | 1,594 |
| Net loans and leases to total assets | 50.8300% | 3,565 |
| Net loans and leases to deposits | 61.8026% | 3,409 |
| Net loans and leases to core deposits | 65.4993% | 3,454 |
| Total domestic deposits to total assets | 82.2400% | 3,170 |
| Equity capital to assets | 8.9839% | 2,431 |
| Core capital (leverage) ratio | 12.6954% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3816% | 526 |
| Memoranda: | ||
| Average total assets | $73,704,500 | 4,101 |
| Average earning assets | $71,270,500 | 4,041 |
| Average equity | $6,761,250 | 4,072 |
| Average total loans | $38,221,000 | 4,032 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,240 |
| Cost of funding earning assets | 1.0230% | 2,522 |
| Net interest margin | 2.5854% | 4,125 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.8992% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9295% | 2,652 |
| Return on assets (ROA) | 0.9295% | 2,640 |
| Pretax return on assets | 0.9778% | 2,977 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | -9.5709% | 4,504 |
| Net charge-offs to loans | -0.0311% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0131% | 2,236 |
| Assets per employee ($millions) | 8.1066% | 1,271 |
| Cash dividends to net income (ytd only)* | 195.0867% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5979% | 194 |
| Loan loss allowance to noncurrent loans | 3,507.1429% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,398 |
| Noncurrent loans to loans | 0.0741% | 3,161 |
| Net loans and leases to total assets | 50.4600% | 3,529 |
| Net loans and leases to deposits | 60.3673% | 3,401 |
| Net loans and leases to core deposits | 62.7373% | 3,506 |
| Total domestic deposits to total assets | 83.5900% | 2,915 |
| Equity capital to assets | 9.3217% | 2,297 |
| Core capital (leverage) ratio | 12.5287% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,452,333 | 4,108 |
| Average earning assets | $71,943,667 | 4,054 |
| Average equity | $6,875,000 | 4,090 |
| Average total loans | $38,523,333 | 4,043 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 4,323 |
| Cost of funding earning assets | 0.8266% | 2,622 |
| Net interest margin | 2.6230% | 4,185 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.8405% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9521% | 2,682 |
| Return on assets (ROA) | 0.9521% | 2,645 |
| Pretax return on assets | 1.0000% | 2,995 |
| Return on Equity (ROE) | 10.3600% | 2,678 |
| Retained earnings to average equity (ytd only) | -28.7037% | 4,635 |
| Net charge-offs to loans | -0.0514% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7940% | 2,356 |
| Assets per employee ($millions) | 7.3231% | 1,736 |
| Cash dividends to net income (ytd only)* | 377.0950% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6439% | 195 |
| Loan loss allowance to noncurrent loans | 1,532.8125% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,939 |
| Noncurrent loans to loans | 0.1725% | 2,615 |
| Net loans and leases to total assets | 49.3300% | 3,540 |
| Net loans and leases to deposits | 55.3906% | 3,608 |
| Net loans and leases to core deposits | 57.4174% | 3,662 |
| Total domestic deposits to total assets | 89.0500% | 1,527 |
| Equity capital to assets | 9.4209% | 2,212 |
| Core capital (leverage) ratio | 12.3213% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,199,000 | 4,158 |
| Average earning assets | $72,590,000 | 4,101 |
| Average equity | $6,912,000 | 4,134 |
| Average total loans | $38,885,000 | 4,090 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 4,044 |
| Cost of funding earning assets | 0.4123% | 1,994 |
| Net interest margin | 2.6576% | 4,105 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.8293% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0568% | 2,347 |
| Return on assets (ROA) | 1.0457% | 2,337 |
| Pretax return on assets | 1.1076% | 2,750 |
| Return on Equity (ROE) | 10.6400% | 2,595 |
| Retained earnings to average equity (ytd only) | 0.6434% | 4,250 |
| Net charge-offs to loans | 0.2900% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.0189% | 2,283 |
| Efficiency ratio | 62.0366% | 2,760 |
| Assets per employee ($millions) | 7.7167% | 1,476 |
| Cash dividends to net income (ytd only)* | 93.9547% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4000% | 233 |
| Loan loss allowance to noncurrent loans | 1,435.2941% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 2,932 |
| Noncurrent loans to loans | 0.1672% | 2,649 |
| Net loans and leases to total assets | 51.4300% | 3,398 |
| Net loans and leases to deposits | 65.4313% | 2,922 |
| Net loans and leases to core deposits | 65.7566% | 3,145 |
| Total domestic deposits to total assets | 78.6100% | 4,034 |
| Equity capital to assets | 8.9740% | 2,372 |
| Core capital (leverage) ratio | 12.7058% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $75,932,600 | 4,171 |
| Average earning assets | $72,998,800 | 4,121 |
| Average equity | $7,460,800 | 4,153 |
| Average total loans | $36,548,400 | 4,124 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9745% | 3,931 |
| Cost of funding earning assets | 0.3044% | 2,116 |
| Net interest margin | 2.6700% | 3,989 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.7119% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1372% | 1,942 |
| Return on assets (ROA) | 1.1372% | 1,915 |
| Pretax return on assets | 1.1971% | 2,380 |
| Return on Equity (ROE) | 11.3200% | 2,261 |
| Retained earnings to average equity (ytd only) | -1.7731% | 4,478 |
| Net charge-offs to loans | 0.4017% | 156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.3458% | 2,114 |
| Efficiency ratio | 58.8485% | 3,275 |
| Assets per employee ($millions) | 7.3880% | 1,684 |
| Cash dividends to net income (ytd only)* | 115.6589% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6671% | 192 |
| Loan loss allowance to noncurrent loans | 425.7642% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 1,702 |
| Noncurrent loans to loans | 0.6264% | 1,299 |
| Net loans and leases to total assets | 48.1600% | 3,615 |
| Net loans and leases to deposits | 54.9402% | 3,552 |
| Net loans and leases to core deposits | 55.1958% | 3,676 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 8.3257% | 2,658 |
| Core capital (leverage) ratio | 12.6054% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $75,624,000 | 4,207 |
| Average earning assets | $72,706,250 | 4,152 |
| Average equity | $7,594,750 | 4,182 |
| Average total loans | $35,519,000 | 4,167 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9285% | 3,724 |
| Cost of funding earning assets | 0.3065% | 1,669 |
| Net interest margin | 2.6220% | 3,868 |
| Noninterest income to average assets | 0.4042% | 2,733 |
| Noninterest expense to average assets | 1.7348% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1285% | 1,673 |
| Return on assets (ROA) | 1.1285% | 1,649 |
| Pretax return on assets | 1.1836% | 2,128 |
| Return on Equity (ROE) | 10.6488% | 2,114 |
| Retained earnings to average equity (ytd only) | -7.8257% | 4,621 |
| Net charge-offs to loans | 0.2502% | 259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,760 |
| Efficiency ratio | 59.4424% | 3,372 |
| Assets per employee ($millions) | 7.4340% | 1,656 |
| Cash dividends to net income (ytd only)* | 173.4884% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1826% | 118 |
| Loan loss allowance to noncurrent loans | 344.8505% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 1,391 |
| Noncurrent loans to loans | 0.9229% | 907 |
| Net loans and leases to total assets | 42.4765% | 3,940 |
| Net loans and leases to deposits | 46.9344% | 3,990 |
| Net loans and leases to core deposits | 47.1446% | 4,077 |
| Total domestic deposits to total assets | 90.5017% | 1,462 |
| Equity capital to assets | 9.4041% | 2,095 |
| Core capital (leverage) ratio | 12.2888% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,205,333 | 4,242 |
| Average earning assets | $73,074,667 | 4,210 |
| Average equity | $8,076,000 | 4,192 |
| Average total loans | $35,173,000 | 4,228 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9816% | 3,308 |
| Cost of funding earning assets | 0.3079% | 1,577 |
| Net interest margin | 2.6738% | 3,462 |
| Noninterest income to average assets | 0.2282% | 3,787 |
| Noninterest expense to average assets | 1.7423% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0008% | 1,881 |
| Return on assets (ROA) | 1.0008% | 1,877 |
| Pretax return on assets | 1.0527% | 2,285 |
| Return on Equity (ROE) | 8.9575% | 2,331 |
| Retained earnings to average equity (ytd only) | -25.6657% | 4,732 |
| Net charge-offs to loans | -0.0549% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3377% | 3,224 |
| Assets per employee ($millions) | 7.5285% | 1,661 |
| Cash dividends to net income (ytd only)* | 386.5285% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 153 |
| Loan loss allowance to noncurrent loans | 1,575.3623% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,165 |
| Noncurrent loans to loans | 0.1935% | 2,849 |
| Net loans and leases to total assets | 45.9095% | 3,586 |
| Net loans and leases to deposits | 51.0072% | 3,647 |
| Net loans and leases to core deposits | 51.0072% | 3,809 |
| Total domestic deposits to total assets | 90.0060% | 1,559 |
| Equity capital to assets | 9.9064% | 1,968 |
| Core capital (leverage) ratio | 11.2663% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,138,000 | 4,254 |
| Average earning assets | $74,053,000 | 4,213 |
| Average equity | $8,618,500 | 4,193 |
| Average total loans | $36,452,000 | 4,220 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9510% | 3,960 |
| Cost of funding earning assets | 0.3743% | 1,725 |
| Net interest margin | 2.5767% | 4,086 |
| Noninterest income to average assets | 0.6261% | 2,042 |
| Noninterest expense to average assets | 1.8486% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1792% | 1,999 |
| Return on assets (ROA) | 1.1792% | 2,058 |
| Pretax return on assets | 1.2630% | 2,477 |
| Return on Equity (ROE) | 8.9121% | 2,947 |
| Retained earnings to average equity (ytd only) | 1.8601% | 4,022 |
| Net charge-offs to loans | -0.0431% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4090% | 3,241 |
| Assets per employee ($millions) | 7.8991% | 1,387 |
| Cash dividends to net income (ytd only)* | 79.1284% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9044% | 163 |
| Loan loss allowance to noncurrent loans | 1,335.8025% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 3,219 |
| Noncurrent loans to loans | 0.2174% | 2,876 |
| Net loans and leases to total assets | 45.7926% | 3,710 |
| Net loans and leases to deposits | 52.3186% | 3,719 |
| Net loans and leases to core deposits | 52.3186% | 3,871 |
| Total domestic deposits to total assets | 87.5264% | 2,270 |
| Equity capital to assets | 12.3799% | 1,097 |
| Core capital (leverage) ratio | 12.9252% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,948,600 | 4,290 |
| Average earning assets | $71,330,600 | 4,247 |
| Average equity | $9,784,400 | 4,150 |
| Average total loans | $34,834,800 | 4,289 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8969% | 4,177 |
| Cost of funding earning assets | 0.3913% | 1,767 |
| Net interest margin | 2.5056% | 4,265 |
| Noninterest income to average assets | 0.6805% | 1,886 |
| Noninterest expense to average assets | 1.7829% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2308% | 2,060 |
| Return on assets (ROA) | 1.2308% | 2,123 |
| Pretax return on assets | 1.3170% | 2,582 |
| Return on Equity (ROE) | 9.1423% | 3,064 |
| Retained earnings to average equity (ytd only) | -0.2589% | 4,591 |
| Net charge-offs to loans | -0.0234% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5148% | 3,348 |
| Assets per employee ($millions) | 7.3773% | 1,635 |
| Cash dividends to net income (ytd only)* | 102.8316% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2236% | 124 |
| Loan loss allowance to noncurrent loans | 99.7212% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 345 |
| Noncurrent loans to loans | 3.2326% | 190 |
| Net loans and leases to total assets | 43.6650% | 3,978 |
| Net loans and leases to deposits | 50.4313% | 3,991 |
| Net loans and leases to core deposits | 51.2391% | 4,070 |
| Total domestic deposits to total assets | 86.5832% | 2,513 |
| Equity capital to assets | 13.3097% | 899 |
| Core capital (leverage) ratio | 12.9726% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,688,000 | 4,360 |
| Average earning assets | $70,188,000 | 4,314 |
| Average equity | $9,785,750 | 4,211 |
| Average total loans | $34,230,000 | 4,357 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8859% | 4,240 |
| Cost of funding earning assets | 0.4037% | 1,857 |
| Net interest margin | 2.4822% | 4,332 |
| Noninterest income to average assets | 0.8572% | 1,383 |
| Noninterest expense to average assets | 1.8472% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3190% | 1,807 |
| Return on assets (ROA) | 1.3190% | 1,873 |
| Pretax return on assets | 1.4075% | 2,312 |
| Return on Equity (ROE) | 9.7599% | 2,849 |
| Retained earnings to average equity (ytd only) | -4.3582% | 4,768 |
| Net charge-offs to loans | -0.0347% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7545% | 3,439 |
| Assets per employee ($millions) | 7.2420% | 1,638 |
| Cash dividends to net income (ytd only)* | 144.6541% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4127% | 107 |
| Loan loss allowance to noncurrent loans | 98.2601% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 378 |
| Noncurrent loans to loans | 3.4732% | 182 |
| Net loans and leases to total assets | 41.9332% | 4,184 |
| Net loans and leases to deposits | 48.4292% | 4,190 |
| Net loans and leases to core deposits | 49.2188% | 4,267 |
| Total domestic deposits to total assets | 86.5866% | 2,508 |
| Equity capital to assets | 13.3016% | 867 |
| Core capital (leverage) ratio | 12.6004% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,326,333 | 4,393 |
| Average earning assets | $69,856,000 | 4,341 |
| Average equity | $9,774,667 | 4,228 |
| Average total loans | $34,544,667 | 4,385 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9508% | 4,183 |
| Cost of funding earning assets | 0.4141% | 1,981 |
| Net interest margin | 2.5367% | 4,251 |
| Noninterest income to average assets | 1.0293% | 1,091 |
| Noninterest expense to average assets | 1.7100% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6658% | 998 |
| Return on assets (ROA) | 1.6658% | 1,045 |
| Pretax return on assets | 1.7598% | 1,380 |
| Return on Equity (ROE) | 12.2289% | 1,931 |
| Retained earnings to average equity (ytd only) | -15.8042% | 4,885 |
| Net charge-offs to loans | -0.0554% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2823% | 4,246 |
| Assets per employee ($millions) | 7.4728% | 1,466 |
| Cash dividends to net income (ytd only)* | 229.2359% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2175% | 126 |
| Loan loss allowance to noncurrent loans | 1,531.4286% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 3,721 |
| Noncurrent loans to loans | 0.2101% | 3,355 |
| Net loans and leases to total assets | 43.1512% | 4,168 |
| Net loans and leases to deposits | 49.4343% | 4,197 |
| Net loans and leases to core deposits | 50.2071% | 4,290 |
| Total domestic deposits to total assets | 87.2899% | 2,186 |
| Equity capital to assets | 12.5977% | 1,045 |
| Core capital (leverage) ratio | 12.6498% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,279,500 | 4,405 |
| Average earning assets | $69,540,500 | 4,362 |
| Average equity | $9,845,500 | 4,230 |
| Average total loans | $36,096,500 | 4,378 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 3,233 |
| Cost of funding earning assets | 0.5440% | 2,645 |
| Net interest margin | 3.2808% | 3,123 |
| Noninterest income to average assets | 0.5323% | 2,500 |
| Noninterest expense to average assets | 1.9881% | 4,161 |
| Loan and lease loss provision to assets | 0.4044% | 768 |
| Net operating income to assets | 1.2734% | 1,323 |
| Return on assets (ROA) | 1.2734% | 1,428 |
| Pretax return on assets | 1.2969% | 1,987 |
| Return on Equity (ROE) | 8.7163% | 2,512 |
| Retained earnings to average equity (ytd only) | 2.4760% | 3,617 |
| Net charge-offs to loans | 0.0291% | 2,446 |
| Credit loss provision to net charge-offs | 2,291.6667% | 398 |
| Earnings coverage of net charge-offs (x) | 96.4167% | 803 |
| Efficiency ratio | 53.8860% | 4,226 |
| Assets per employee ($millions) | 6.3483% | 2,048 |
| Cash dividends to net income (ytd only)* | 71.5935% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 198 |
| Loan loss allowance to noncurrent loans | 1,749.1803% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,890 |
| Noncurrent loans to loans | 0.1569% | 3,656 |
| Net loans and leases to total assets | 54.1421% | 3,477 |
| Net loans and leases to deposits | 63.6348% | 3,466 |
| Net loans and leases to core deposits | 64.2556% | 3,673 |
| Total domestic deposits to total assets | 85.0826% | 2,730 |
| Equity capital to assets | 14.7170% | 624 |
| Core capital (leverage) ratio | 13.9731% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,005,800 | 4,412 |
| Average earning assets | $65,440,600 | 4,365 |
| Average equity | $9,935,400 | 4,202 |
| Average total loans | $41,237,200 | 4,284 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,329 |
| Cost of funding earning assets | 0.5646% | 2,841 |
| Net interest margin | 3.3135% | 3,145 |
| Noninterest income to average assets | 0.5329% | 2,460 |
| Noninterest expense to average assets | 1.8771% | 4,368 |
| Loan and lease loss provision to assets | 0.0489% | 3,744 |
| Net operating income to assets | 1.7685% | 492 |
| Return on assets (ROA) | 1.7685% | 549 |
| Pretax return on assets | 1.7922% | 792 |
| Return on Equity (ROE) | 12.1283% | 1,335 |
| Retained earnings to average equity (ytd only) | 3.7359% | 3,176 |
| Net charge-offs to loans | 0.0542% | 1,831 |
| Credit loss provision to net charge-offs | 147.0588% | 2,343 |
| Earnings coverage of net charge-offs (x) | 54.8824% | 1,145 |
| Efficiency ratio | 50.4777% | 4,458 |
| Assets per employee ($millions) | 6.3004% | 1,997 |
| Cash dividends to net income (ytd only)* | 69.1964% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 450 |
| Loan loss allowance to noncurrent loans | 59.3134% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 337 |
| Noncurrent loans to loans | 3.4660% | 236 |
| Net loans and leases to total assets | 55.8207% | 3,641 |
| Net loans and leases to deposits | 65.7221% | 3,640 |
| Net loans and leases to core deposits | 67.0514% | 3,820 |
| Total domestic deposits to total assets | 84.9345% | 2,473 |
| Equity capital to assets | 14.8520% | 673 |
| Core capital (leverage) ratio | 14.0863% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,549,500 | 4,426 |
| Average earning assets | $64,945,250 | 4,388 |
| Average equity | $9,850,000 | 4,219 |
| Average total loans | $41,827,750 | 4,306 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,115 |
| Cost of funding earning assets | 0.5854% | 3,042 |
| Net interest margin | 3.4876% | 2,829 |
| Noninterest income to average assets | 0.6242% | 2,039 |
| Noninterest expense to average assets | 1.9503% | 4,329 |
| Loan and lease loss provision to assets | 0.0747% | 3,363 |
| Net operating income to assets | 1.9383% | 380 |
| Return on assets (ROA) | 1.9383% | 422 |
| Pretax return on assets | 1.9622% | 589 |
| Return on Equity (ROE) | 13.3782% | 1,012 |
| Retained earnings to average equity (ytd only) | 0.5978% | 4,188 |
| Net charge-offs to loans | 0.0798% | 1,451 |
| Credit loss provision to net charge-offs | 147.0588% | 2,144 |
| Earnings coverage of net charge-offs (x) | 40.1176% | 1,245 |
| Efficiency ratio | 48.9139% | 4,563 |
| Assets per employee ($millions) | 6.2504% | 1,988 |
| Cash dividends to net income (ytd only)* | 95.5316% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9381% | 489 |
| Loan loss allowance to noncurrent loans | 446.1538% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 3,257 |
| Noncurrent loans to loans | 0.4344% | 2,864 |
| Net loans and leases to total assets | 59.7565% | 3,357 |
| Net loans and leases to deposits | 70.1660% | 3,400 |
| Net loans and leases to core deposits | 72.3659% | 3,569 |
| Total domestic deposits to total assets | 85.1645% | 2,327 |
| Equity capital to assets | 14.6086% | 709 |
| Core capital (leverage) ratio | 14.0151% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,964,667 | 4,447 |
| Average earning assets | $64,571,000 | 4,398 |
| Average equity | $9,702,333 | 4,254 |
| Average total loans | $42,604,333 | 4,302 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 3,209 |
| Cost of funding earning assets | 0.6070% | 3,397 |
| Net interest margin | 3.5921% | 2,695 |
| Noninterest income to average assets | 0.3330% | 3,534 |
| Noninterest expense to average assets | 2.1250% | 4,164 |
| Loan and lease loss provision to assets | 0.1514% | 1,882 |
| Net operating income to assets | 1.5075% | 768 |
| Return on assets (ROA) | 1.5075% | 840 |
| Pretax return on assets | 1.5317% | 1,228 |
| Return on Equity (ROE) | 10.4496% | 1,599 |
| Retained earnings to average equity (ytd only) | -15.5694% | 4,907 |
| Net charge-offs to loans | 0.1583% | 817 |
| Credit loss provision to net charge-offs | 147.0588% | 1,589 |
| Earnings coverage of net charge-offs (x) | 16.3529% | 1,531 |
| Efficiency ratio | 55.8029% | 4,226 |
| Assets per employee ($millions) | 5.9900% | 1,692 |
| Cash dividends to net income (ytd only)* | 248.9960% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 574 |
| Loan loss allowance to noncurrent loans | 1,376.2712% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,162 |
| Noncurrent loans to loans | 0.1403% | 3,964 |
| Net loans and leases to total assets | 62.5725% | 3,242 |
| Net loans and leases to deposits | 74.7227% | 3,195 |
| Net loans and leases to core deposits | 77.2050% | 3,412 |
| Total domestic deposits to total assets | 83.7396% | 2,873 |
| Equity capital to assets | 14.1569% | 1,013 |
| Core capital (leverage) ratio | 13.6025% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,070,000 | 4,467 |
| Average earning assets | $63,917,500 | 4,422 |
| Average equity | $9,531,500 | 4,290 |
| Average total loans | $42,958,000 | 4,304 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 4,187 |
| Cost of funding earning assets | 0.5975% | 3,649 |
| Net interest margin | 3.4333% | 3,641 |
| Noninterest income to average assets | 0.4516% | 2,998 |
| Noninterest expense to average assets | 1.9578% | 4,601 |
| Loan and lease loss provision to assets | 0.6888% | 163 |
| Net operating income to assets | 1.0287% | 2,738 |
| Return on assets (ROA) | 1.0287% | 2,833 |
| Pretax return on assets | 1.1297% | 3,078 |
| Return on Equity (ROE) | 7.1116% | 3,516 |
| Retained earnings to average equity (ytd only) | -0.8254% | 4,792 |
| Net charge-offs to loans | 1.2756% | 119 |
| Credit loss provision to net charge-offs | 84.5865% | 2,737 |
| Earnings coverage of net charge-offs (x) | 2.2331% | 3,440 |
| Efficiency ratio | 51.8443% | 4,615 |
| Assets per employee ($millions) | 6.6250% | 1,223 |
| Cash dividends to net income (ytd only)* | 111.6071% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 625 |
| Loan loss allowance to noncurrent loans | 3,828.5714% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,487 |
| Noncurrent loans to loans | 0.0479% | 4,360 |
| Net loans and leases to total assets | 65.0128% | 3,070 |
| Net loans and leases to deposits | 78.4821% | 2,958 |
| Net loans and leases to core deposits | 79.8202% | 3,307 |
| Total domestic deposits to total assets | 82.8377% | 3,254 |
| Equity capital to assets | 14.6943% | 867 |
| Core capital (leverage) ratio | 14.3900% | 830 |
| Tier 1 risk-based capital ratio | 18.4309% | 1,653 |
| Total risk-based capital ratio | 19.6849% | 1,623 |
| Memoranda: | ||
| Average total assets | $65,328,200 | 4,514 |
| Average earning assets | $63,263,600 | 4,454 |
| Average equity | $9,449,400 | 4,312 |
| Average total loans | $41,704,600 | 4,367 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 4,433 |
| Cost of funding earning assets | 0.5816% | 3,772 |
| Net interest margin | 3.3797% | 3,915 |
| Noninterest income to average assets | 0.4137% | 3,236 |
| Noninterest expense to average assets | 1.8229% | 4,786 |
| Loan and lease loss provision to assets | 0.9217% | 105 |
| Net operating income to assets | 0.8377% | 3,554 |
| Return on assets (ROA) | 0.8377% | 3,636 |
| Pretax return on assets | 0.9422% | 3,761 |
| Return on Equity (ROE) | 5.8149% | 4,099 |
| Retained earnings to average equity (ytd only) | -4.8482% | 5,060 |
| Net charge-offs to loans | 0.7677% | 209 |
| Credit loss provision to net charge-offs | 189.8734% | 1,380 |
| Earnings coverage of net charge-offs (x) | 3.8397% | 3,071 |
| Efficiency ratio | 49.4444% | 4,773 |
| Assets per employee ($millions) | 6.3582% | 1,357 |
| Cash dividends to net income (ytd only)* | 183.3749% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7194% | 171 |
| Loan loss allowance to noncurrent loans | 4,226.9231% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,512 |
| Noncurrent loans to loans | 0.0643% | 4,347 |
| Net loans and leases to total assets | 61.8320% | 3,507 |
| Net loans and leases to deposits | 74.8952% | 3,397 |
| Net loans and leases to core deposits | 77.7172% | 3,575 |
| Total domestic deposits to total assets | 82.5580% | 3,299 |
| Equity capital to assets | 14.8800% | 875 |
| Core capital (leverage) ratio | 14.3180% | 900 |
| Tier 1 risk-based capital ratio | 19.3288% | 1,500 |
| Total risk-based capital ratio | 20.5915% | 1,463 |
| Memoranda: | ||
| Average total assets | $65,097,750 | 4,571 |
| Average earning assets | $63,041,500 | 4,509 |
| Average equity | $9,378,000 | 4,370 |
| Average total loans | $41,162,000 | 4,438 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 4,471 |
| Cost of funding earning assets | 0.5632% | 3,821 |
| Net interest margin | 3.3919% | 3,922 |
| Noninterest income to average assets | 0.4664% | 2,866 |
| Noninterest expense to average assets | 1.8048% | 4,869 |
| Loan and lease loss provision to assets | 0.3049% | 452 |
| Net operating income to assets | 1.5335% | 1,053 |
| Return on assets (ROA) | 1.5335% | 1,103 |
| Pretax return on assets | 1.6432% | 1,421 |
| Return on Equity (ROE) | 10.7590% | 2,071 |
| Retained earnings to average equity (ytd only) | -5.2832% | 5,067 |
| Net charge-offs to loans | 1.0722% | 127 |
| Credit loss provision to net charge-offs | 45.0450% | 2,507 |
| Earnings coverage of net charge-offs (x) | 2.8784% | 2,898 |
| Efficiency ratio | 48.0910% | 4,900 |
| Assets per employee ($millions) | 6.4029% | 1,283 |
| Cash dividends to net income (ytd only)* | 149.1054% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 547 |
| Loan loss allowance to noncurrent loans | 51.1037% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.3349% | 339 |
| Noncurrent loans to loans | 3.7470% | 205 |
| Net loans and leases to total assets | 61.1207% | 3,637 |
| Net loans and leases to deposits | 71.9552% | 3,690 |
| Net loans and leases to core deposits | 74.5599% | 3,855 |
| Total domestic deposits to total assets | 84.9428% | 2,499 |
| Equity capital to assets | 14.8698% | 850 |
| Core capital (leverage) ratio | 14.3231% | 874 |
| Tier 1 risk-based capital ratio | 19.8464% | 1,379 |
| Total risk-based capital ratio | 21.1002% | 1,347 |
| Memoranda: | ||
| Average total assets | $65,603,000 | 4,595 |
| Average earning assets | $63,562,670 | 4,534 |
| Average equity | $9,350,330 | 4,389 |
| Average total loans | $41,411,670 | 4,461 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,150 |
| Cost of funding earning assets | 0.5293% | 3,922 |
| Net interest margin | 3.5617% | 3,393 |
| Noninterest income to average assets | 0.3374% | 3,603 |
| Noninterest expense to average assets | 1.6388% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0184% | 376 |
| Return on assets (ROA) | 2.0184% | 391 |
| Pretax return on assets | 2.1449% | 489 |
| Return on Equity (ROE) | 14.4630% | 863 |
| Retained earnings to average equity (ytd only) | -17.9169% | 5,239 |
| Net charge-offs to loans | 0.1233% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 27.3846% | 1,382 |
| Efficiency ratio | 43.3121% | 5,121 |
| Assets per employee ($millions) | 6.3975% | 1,292 |
| Cash dividends to net income (ytd only)* | 223.8806% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 371 |
| Loan loss allowance to noncurrent loans | 1,897.8261% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,457 |
| Noncurrent loans to loans | 0.1143% | 4,228 |
| Net loans and leases to total assets | 61.5272% | 3,546 |
| Net loans and leases to deposits | 72.2623% | 3,586 |
| Net loans and leases to core deposits | 74.8213% | 3,747 |
| Total domestic deposits to total assets | 85.1442% | 2,628 |
| Equity capital to assets | 14.3212% | 931 |
| Core capital (leverage) ratio | 13.6498% | 1,049 |
| Tier 1 risk-based capital ratio | 19.3484% | 1,474 |
| Total risk-based capital ratio | 20.6057% | 1,444 |
| Memoranda: | ||
| Average total assets | $66,390,000 | 4,634 |
| Average earning assets | $64,238,500 | 4,577 |
| Average equity | $9,265,000 | 4,430 |
| Average total loans | $42,168,000 | 4,489 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 4,628 |
| Cost of funding earning assets | 0.4755% | 3,509 |
| Net interest margin | 3.2510% | 4,381 |
| Noninterest income to average assets | 0.3907% | 3,491 |
| Noninterest expense to average assets | 1.7832% | 5,018 |
| Loan and lease loss provision to assets | 0.1763% | 1,120 |
| Net operating income to assets | 1.4936% | 1,139 |
| Return on assets (ROA) | 1.4322% | 1,323 |
| Pretax return on assets | 1.5100% | 1,749 |
| Return on Equity (ROE) | 10.7825% | 2,169 |
| Retained earnings to average equity (ytd only) | 1.8247% | 4,419 |
| Net charge-offs to loans | 0.0585% | 2,305 |
| Credit loss provision to net charge-offs | 521.7391% | 668 |
| Earnings coverage of net charge-offs (x) | 51.8261% | 1,108 |
| Efficiency ratio | 50.4572% | 4,911 |
| Assets per employee ($millions) | 6.8805% | 1,032 |
| Cash dividends to net income (ytd only)* | 83.0769% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 463 |
| Loan loss allowance to noncurrent loans | 860.1942% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,083 |
| Noncurrent loans to loans | 0.2336% | 3,745 |
| Net loans and leases to total assets | 62.8079% | 3,485 |
| Net loans and leases to deposits | 75.3623% | 3,399 |
| Net loans and leases to core deposits | 77.8887% | 3,589 |
| Total domestic deposits to total assets | 83.3413% | 3,214 |
| Equity capital to assets | 13.6153% | 1,102 |
| Core capital (leverage) ratio | 13.8150% | 978 |
| Tier 1 risk-based capital ratio | 18.7173% | 1,566 |
| Total risk-based capital ratio | 19.9727% | 1,526 |
| Memoranda: | ||
| Average total assets | $68,078,000 | 4,616 |
| Average earning assets | $65,825,400 | 4,560 |
| Average equity | $9,042,400 | 4,452 |
| Average total loans | $39,341,000 | 4,570 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,808 |
| Cost of funding earning assets | 0.4481% | 3,531 |
| Net interest margin | 3.1508% | 4,613 |
| Noninterest income to average assets | 0.3162% | 4,036 |
| Noninterest expense to average assets | 1.6417% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6423% | 856 |
| Return on assets (ROA) | 1.6162% | 938 |
| Pretax return on assets | 1.6986% | 1,277 |
| Return on Equity (ROE) | 12.2454% | 1,703 |
| Retained earnings to average equity (ytd only) | 1.0862% | 4,835 |
| Net charge-offs to loans | 0.0140% | 2,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 219.8818% | 413 |
| Efficiency ratio | 48.7464% | 5,017 |
| Assets per employee ($millions) | 6.8392% | 1,006 |
| Cash dividends to net income (ytd only)* | 91.1301% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 574 |
| Loan loss allowance to noncurrent loans | 892.0455% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 4,321 |
| Noncurrent loans to loans | 0.2144% | 3,939 |
| Net loans and leases to total assets | 58.8665% | 3,960 |
| Net loans and leases to deposits | 71.2667% | 3,829 |
| Net loans and leases to core deposits | 73.6836% | 3,966 |
| Total domestic deposits to total assets | 82.6003% | 3,432 |
| Equity capital to assets | 13.2676% | 1,223 |
| Core capital (leverage) ratio | 13.8460% | 981 |
| Tier 1 risk-based capital ratio | 19.3312% | 1,465 |
| Total risk-based capital ratio | 20.5854% | 1,432 |
| Memoranda: | ||
| Average total assets | $67,896,250 | 4,663 |
| Average earning assets | $65,759,750 | 4,611 |
| Average equity | $8,961,000 | 4,502 |
| Average total loans | $38,151,000 | 4,658 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 4,868 |
| Cost of funding earning assets | 0.4152% | 3,600 |
| Net interest margin | 3.1201% | 4,690 |
| Noninterest income to average assets | 0.2658% | 4,407 |
| Noninterest expense to average assets | 1.6359% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5621% | 1,004 |
| Return on assets (ROA) | 1.5621% | 1,013 |
| Pretax return on assets | 1.6477% | 1,347 |
| Return on Equity (ROE) | 11.8566% | 1,777 |
| Retained earnings to average equity (ytd only) | -4.9533% | 5,287 |
| Net charge-offs to loans | 0.0215% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 547 |
| Efficiency ratio | 49.8201% | 5,034 |
| Assets per employee ($millions) | 6.7015% | 1,076 |
| Cash dividends to net income (ytd only)* | 141.7769% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 420 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,757 |
| Noncurrent loans to loans | 0.4570% | 3,068 |
| Net loans and leases to total assets | 53.6805% | 4,364 |
| Net loans and leases to deposits | 63.5875% | 4,308 |
| Net loans and leases to core deposits | 65.7372% | 4,380 |
| Total domestic deposits to total assets | 84.4199% | 2,907 |
| Equity capital to assets | 13.2373% | 1,211 |
| Core capital (leverage) ratio | 13.5368% | 1,055 |
| Tier 1 risk-based capital ratio | 21.0579% | 1,165 |
| Total risk-based capital ratio | 22.3146% | 1,137 |
| Memoranda: | ||
| Average total assets | $67,731,000 | 4,722 |
| Average earning assets | $65,510,000 | 4,668 |
| Average equity | $8,923,330 | 4,545 |
| Average total loans | $37,186,330 | 4,724 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4552% | 4,943 |
| Cost of funding earning assets | 0.4001% | 3,583 |
| Net interest margin | 3.0551% | 4,788 |
| Noninterest income to average assets | 0.3114% | 4,077 |
| Noninterest expense to average assets | 1.6743% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4980% | 1,086 |
| Return on assets (ROA) | 1.4980% | 1,087 |
| Pretax return on assets | 1.5979% | 1,401 |
| Return on Equity (ROE) | 11.3973% | 1,805 |
| Retained earnings to average equity (ytd only) | -22.1241% | 5,522 |
| Net charge-offs to loans | 0.1070% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,302 |
| Efficiency ratio | 51.1670% | 5,016 |
| Assets per employee ($millions) | 6.7290% | 1,076 |
| Cash dividends to net income (ytd only)* | 294.1176% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 455 |
| Loan loss allowance to noncurrent loans | 512.5000% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 3,535 |
| Noncurrent loans to loans | 0.4093% | 3,313 |
| Net loans and leases to total assets | 54.0348% | 4,277 |
| Net loans and leases to deposits | 63.4245% | 4,242 |
| Net loans and leases to core deposits | 65.4828% | 4,348 |
| Total domestic deposits to total assets | 85.1954% | 2,859 |
| Equity capital to assets | 12.7879% | 1,343 |
| Core capital (leverage) ratio | 13.1317% | 1,126 |
| Tier 1 risk-based capital ratio | 18.8821% | 1,577 |
| Total risk-based capital ratio | 20.1364% | 1,540 |
| Memoranda: | ||
| Average total assets | $68,089,000 | 4,772 |
| Average earning assets | $65,987,000 | 4,714 |
| Average equity | $8,949,500 | 4,591 |
| Average total loans | $37,400,500 | 4,770 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 4,956 |
| Cost of funding earning assets | 0.3873% | 3,363 |
| Net interest margin | 3.0044% | 4,872 |
| Noninterest income to average assets | 0.3406% | 4,034 |
| Noninterest expense to average assets | 1.7397% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4295% | 949 |
| Return on assets (ROA) | 1.4226% | 989 |
| Pretax return on assets | 1.4974% | 1,652 |
| Return on Equity (ROE) | 10.6664% | 1,604 |
| Retained earnings to average equity (ytd only) | 1.8603% | 4,198 |
| Net charge-offs to loans | -0.1829% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6199% | 4,979 |
| Assets per employee ($millions) | 6.8888% | 1,019 |
| Cash dividends to net income (ytd only)* | 82.5593% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 451 |
| Loan loss allowance to noncurrent loans | 340.0862% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 3,139 |
| Noncurrent loans to loans | 0.6160% | 2,691 |
| Net loans and leases to total assets | 53.5260% | 4,401 |
| Net loans and leases to deposits | 61.9746% | 4,454 |
| Net loans and leases to core deposits | 63.9069% | 4,537 |
| Total domestic deposits to total assets | 86.3677% | 2,285 |
| Equity capital to assets | 13.4915% | 1,067 |
| Core capital (leverage) ratio | 13.9043% | 855 |
| Tier 1 risk-based capital ratio | 19.8992% | 1,342 |
| Total risk-based capital ratio | 21.1540% | 1,308 |
| Memoranda: | ||
| Average total assets | $68,116,800 | 4,810 |
| Average earning assets | $65,836,800 | 4,749 |
| Average equity | $9,084,600 | 4,599 |
| Average total loans | $36,094,600 | 4,840 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 5,033 |
| Cost of funding earning assets | 0.3861% | 3,320 |
| Net interest margin | 2.9686% | 4,991 |
| Noninterest income to average assets | 0.2905% | 4,451 |
| Noninterest expense to average assets | 1.6214% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4624% | 971 |
| Return on assets (ROA) | 1.4624% | 986 |
| Pretax return on assets | 1.5370% | 1,640 |
| Return on Equity (ROE) | 10.9974% | 1,699 |
| Retained earnings to average equity (ytd only) | -0.8119% | 5,331 |
| Net charge-offs to loans | -0.2427% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3362% | 5,156 |
| Assets per employee ($millions) | 6.0233% | 1,474 |
| Cash dividends to net income (ytd only)* | 107.3824% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 406 |
| Loan loss allowance to noncurrent loans | 620.4724% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 3,898 |
| Noncurrent loans to loans | 0.3541% | 3,682 |
| Net loans and leases to total assets | 52.9416% | 4,499 |
| Net loans and leases to deposits | 64.1695% | 4,369 |
| Net loans and leases to core deposits | 65.9156% | 4,486 |
| Total domestic deposits to total assets | 82.5027% | 3,628 |
| Equity capital to assets | 13.9791% | 1,002 |
| Core capital (leverage) ratio | 13.7365% | 960 |
| Tier 1 risk-based capital ratio | 20.6816% | 1,249 |
| Total risk-based capital ratio | 21.9388% | 1,214 |
| Memoranda: | ||
| Average total assets | $67,924,000 | 4,862 |
| Average earning assets | $65,619,500 | 4,800 |
| Average equity | $9,032,250 | 4,659 |
| Average total loans | $35,702,750 | 4,900 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3730% | 5,000 |
| Cost of funding earning assets | 0.3838% | 3,253 |
| Net interest margin | 2.9891% | 4,933 |
| Noninterest income to average assets | 0.2862% | 4,507 |
| Noninterest expense to average assets | 1.5771% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5245% | 824 |
| Return on assets (ROA) | 1.5245% | 845 |
| Pretax return on assets | 1.5975% | 1,353 |
| Return on Equity (ROE) | 11.6574% | 1,402 |
| Retained earnings to average equity (ytd only) | -6.2084% | 5,571 |
| Net charge-offs to loans | -0.3591% | 5,664 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6780% | 5,324 |
| Assets per employee ($millions) | 6.6642% | 1,067 |
| Cash dividends to net income (ytd only)* | 153.2567% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3051% | 373 |
| Loan loss allowance to noncurrent loans | 614.8438% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,972 |
| Noncurrent loans to loans | 0.3749% | 3,684 |
| Net loans and leases to total assets | 50.0495% | 4,709 |
| Net loans and leases to deposits | 57.9979% | 4,749 |
| Net loans and leases to core deposits | 59.8847% | 4,827 |
| Total domestic deposits to total assets | 86.2954% | 2,242 |
| Equity capital to assets | 13.5695% | 1,121 |
| Core capital (leverage) ratio | 13.0228% | 1,168 |
| Tier 1 risk-based capital ratio | 21.3942% | 1,131 |
| Total risk-based capital ratio | 22.6509% | 1,111 |
| Memoranda: | ||
| Average total assets | $68,480,000 | 4,883 |
| Average earning assets | $66,173,330 | 4,826 |
| Average equity | $8,955,670 | 4,686 |
| Average total loans | $35,648,670 | 4,938 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3082% | 5,090 |
| Cost of funding earning assets | 0.3755% | 3,246 |
| Net interest margin | 2.9327% | 5,019 |
| Noninterest income to average assets | 0.2421% | 4,799 |
| Noninterest expense to average assets | 1.5505% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4525% | 891 |
| Return on assets (ROA) | 1.4525% | 913 |
| Pretax return on assets | 1.5274% | 1,451 |
| Return on Equity (ROE) | 11.3106% | 1,460 |
| Retained earnings to average equity (ytd only) | -24.5961% | 5,770 |
| Net charge-offs to loans | -0.7032% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3745% | 5,355 |
| Assets per employee ($millions) | 6.9195% | 988 |
| Cash dividends to net income (ytd only)* | 317.4603% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 472 |
| Loan loss allowance to noncurrent loans | 531.7568% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 4,364 |
| Noncurrent loans to loans | 0.4148% | 3,601 |
| Net loans and leases to total assets | 50.4227% | 4,642 |
| Net loans and leases to deposits | 57.9539% | 4,701 |
| Net loans and leases to core deposits | 59.7493% | 4,790 |
| Total domestic deposits to total assets | 87.0048% | 2,209 |
| Equity capital to assets | 12.5284% | 1,508 |
| Core capital (leverage) ratio | 12.3298% | 1,430 |
| Tier 1 risk-based capital ratio | 19.7584% | 1,434 |
| Total risk-based capital ratio | 21.0161% | 1,404 |
| Memoranda: | ||
| Average total assets | $69,399,000 | 4,926 |
| Average earning assets | $67,105,500 | 4,853 |
| Average equity | $8,912,000 | 4,731 |
| Average total loans | $36,402,500 | 4,960 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3375% | 5,103 |
| Cost of funding earning assets | 0.3840% | 3,160 |
| Net interest margin | 2.9536% | 5,046 |
| Noninterest income to average assets | 0.3735% | 4,074 |
| Noninterest expense to average assets | 1.6922% | 5,574 |
| Loan and lease loss provision to assets | 0.0990% | 2,399 |
| Net operating income to assets | 1.3695% | 1,067 |
| Return on assets (ROA) | 1.3668% | 1,116 |
| Pretax return on assets | 1.4418% | 1,775 |
| Return on Equity (ROE) | 10.6180% | 1,725 |
| Retained earnings to average equity (ytd only) | 2.2643% | 4,241 |
| Net charge-offs to loans | 0.1632% | 1,650 |
| Credit loss provision to net charge-offs | 118.6441% | 2,238 |
| Earnings coverage of net charge-offs (x) | 18.4915% | 1,969 |
| Efficiency ratio | 52.2956% | 5,357 |
| Assets per employee ($millions) | 6.9603% | 940 |
| Cash dividends to net income (ytd only)* | 78.6749% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 730 |
| Loan loss allowance to noncurrent loans | 509.1549% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,506 |
| Noncurrent loans to loans | 0.3825% | 3,764 |
| Net loans and leases to total assets | 52.3038% | 4,577 |
| Net loans and leases to deposits | 61.2054% | 4,597 |
| Net loans and leases to core deposits | 63.1242% | 4,685 |
| Total domestic deposits to total assets | 85.4561% | 2,853 |
| Equity capital to assets | 13.1532% | 1,192 |
| Core capital (leverage) ratio | 13.1851% | 1,066 |
| Tier 1 risk-based capital ratio | 20.4038% | 1,304 |
| Total risk-based capital ratio | 21.6588% | 1,278 |
| Memoranda: | ||
| Average total assets | $70,677,800 | 4,923 |
| Average earning assets | $68,493,400 | 4,840 |
| Average equity | $9,097,800 | 4,738 |
| Average total loans | $36,157,800 | 5,014 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 5,192 |
| Cost of funding earning assets | 0.3877% | 3,147 |
| Net interest margin | 2.9274% | 5,137 |
| Noninterest income to average assets | 0.3345% | 4,388 |
| Noninterest expense to average assets | 1.5937% | 5,693 |
| Loan and lease loss provision to assets | 0.0940% | 2,347 |
| Net operating income to assets | 1.4076% | 1,058 |
| Return on assets (ROA) | 1.4076% | 1,108 |
| Pretax return on assets | 1.4847% | 1,762 |
| Return on Equity (ROE) | 10.9940% | 1,673 |
| Retained earnings to average equity (ytd only) | -0.1615% | 5,383 |
| Net charge-offs to loans | 0.2339% | 1,006 |
| Credit loss provision to net charge-offs | 79.3651% | 2,670 |
| Earnings coverage of net charge-offs (x) | 13.3330% | 2,320 |
| Efficiency ratio | 50.2370% | 5,487 |
| Assets per employee ($millions) | 6.3076% | 1,228 |
| Cash dividends to net income (ytd only)* | 101.4690% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 809 |
| Loan loss allowance to noncurrent loans | 653.2710% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,823 |
| Noncurrent loans to loans | 0.2957% | 4,195 |
| Net loans and leases to total assets | 51.1472% | 4,721 |
| Net loans and leases to deposits | 60.1818% | 4,746 |
| Net loans and leases to core deposits | 62.0539% | 4,828 |
| Total domestic deposits to total assets | 84.9879% | 2,812 |
| Equity capital to assets | 13.4714% | 1,257 |
| Core capital (leverage) ratio | 12.9175% | 1,220 |
| Tier 1 risk-based capital ratio | 20.4215% | 1,372 |
| Total risk-based capital ratio | 21.6760% | 1,335 |
| Memoranda: | ||
| Average total assets | $70,946,500 | 4,953 |
| Average earning assets | $68,772,500 | 4,871 |
| Average equity | $9,083,500 | 4,794 |
| Average total loans | $35,915,250 | 5,067 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2779% | 5,332 |
| Cost of funding earning assets | 0.3867% | 3,184 |
| Net interest margin | 2.8913% | 5,284 |
| Noninterest income to average assets | 0.3582% | 4,207 |
| Noninterest expense to average assets | 1.5699% | 5,785 |
| Loan and lease loss provision to assets | 0.1399% | 1,621 |
| Net operating income to assets | 1.3741% | 1,104 |
| Return on assets (ROA) | 1.3741% | 1,180 |
| Pretax return on assets | 1.4524% | 1,831 |
| Return on Equity (ROE) | 10.9164% | 1,678 |
| Retained earnings to average equity (ytd only) | -5.9807% | 5,789 |
| Net charge-offs to loans | 0.1898% | 1,210 |
| Credit loss provision to net charge-offs | 147.0588% | 1,616 |
| Earnings coverage of net charge-offs (x) | 16.7353% | 1,916 |
| Efficiency ratio | 49.6460% | 5,582 |
| Assets per employee ($millions) | 6.2969% | 1,199 |
| Cash dividends to net income (ytd only)* | 154.7862% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 686 |
| Loan loss allowance to noncurrent loans | 516.3121% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 4,673 |
| Noncurrent loans to loans | 0.3950% | 3,947 |
| Net loans and leases to total assets | 50.4793% | 4,810 |
| Net loans and leases to deposits | 60.2731% | 4,777 |
| Net loans and leases to core deposits | 62.1777% | 4,873 |
| Total domestic deposits to total assets | 83.7510% | 3,365 |
| Equity capital to assets | 13.2431% | 1,357 |
| Core capital (leverage) ratio | 12.4826% | 1,363 |
| Tier 1 risk-based capital ratio | 20.1057% | 1,442 |
| Total risk-based capital ratio | 21.3611% | 1,405 |
| Memoranda: | ||
| Average total assets | $71,467,330 | 4,996 |
| Average earning assets | $69,312,000 | 4,904 |
| Average equity | $8,995,670 | 4,843 |
| Average total loans | $35,824,670 | 5,114 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2434% | 5,423 |
| Cost of funding earning assets | 0.3812% | 3,283 |
| Net interest margin | 2.8622% | 5,378 |
| Noninterest income to average assets | 0.2425% | 5,002 |
| Noninterest expense to average assets | 1.4001% | 5,962 |
| Loan and lease loss provision to assets | 0.1378% | 1,521 |
| Net operating income to assets | 1.3890% | 1,061 |
| Return on assets (ROA) | 1.3890% | 1,118 |
| Pretax return on assets | 1.4772% | 1,668 |
| Return on Equity (ROE) | 11.3169% | 1,498 |
| Retained earnings to average equity (ytd only) | -21.0172% | 5,976 |
| Net charge-offs to loans | -0.0223% | 4,907 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4351% | 5,794 |
| Assets per employee ($millions) | 6.3759% | 1,181 |
| Cash dividends to net income (ytd only)* | 285.7143% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 684 |
| Loan loss allowance to noncurrent loans | 4,105.5556% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,537 |
| Noncurrent loans to loans | 0.0511% | 5,285 |
| Net loans and leases to total assets | 49.1666% | 4,876 |
| Net loans and leases to deposits | 57.1990% | 4,905 |
| Net loans and leases to core deposits | 58.8819% | 5,004 |
| Total domestic deposits to total assets | 85.9571% | 2,687 |
| Equity capital to assets | 12.5173% | 1,672 |
| Core capital (leverage) ratio | 11.8585% | 1,704 |
| Tier 1 risk-based capital ratio | 19.5999% | 1,590 |
| Total risk-based capital ratio | 20.8544% | 1,553 |
| Memoranda: | ||
| Average total assets | $72,568,000 | 5,009 |
| Average earning assets | $70,296,000 | 4,919 |
| Average equity | $8,907,000 | 4,887 |
| Average total loans | $35,890,500 | 5,149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 5,306 |
| Cost of funding earning assets | 0.4281% | 2,861 |
| Net interest margin | 2.8937% | 5,347 |
| Noninterest income to average assets | 0.3047% | 4,706 |
| Noninterest expense to average assets | 1.5958% | 5,919 |
| Loan and lease loss provision to assets | 0.1247% | 1,932 |
| Net operating income to assets | 1.3094% | 1,247 |
| Return on assets (ROA) | 1.3173% | 1,274 |
| Pretax return on assets | 1.3921% | 1,932 |
| Return on Equity (ROE) | 10.8235% | 1,674 |
| Retained earnings to average equity (ytd only) | 2.8567% | 4,032 |
| Net charge-offs to loans | 0.0267% | 3,696 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 108.9000% | 540 |
| Efficiency ratio | 51.4056% | 5,673 |
| Assets per employee ($millions) | 7.5001% | 700 |
| Cash dividends to net income (ytd only)* | 73.6067% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 885 |
| Loan loss allowance to noncurrent loans | 1,227.5862% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,320 |
| Noncurrent loans to loans | 0.1586% | 4,856 |
| Net loans and leases to total assets | 47.7954% | 5,031 |
| Net loans and leases to deposits | 54.4035% | 5,141 |
| Net loans and leases to core deposits | 55.8626% | 5,209 |
| Total domestic deposits to total assets | 87.8535% | 1,715 |
| Equity capital to assets | 12.0465% | 1,921 |
| Core capital (leverage) ratio | 12.0659% | 1,578 |
| Tier 1 risk-based capital ratio | 19.7921% | 1,521 |
| Total risk-based capital ratio | 21.0458% | 1,493 |
| Memoranda: | ||
| Average total assets | $72,190,800 | 5,041 |
| Average earning assets | $69,841,200 | 4,947 |
| Average equity | $8,786,400 | 4,896 |
| Average total loans | $37,399,000 | 5,103 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,324 |
| Cost of funding earning assets | 0.4370% | 2,828 |
| Net interest margin | 2.9108% | 5,389 |
| Noninterest income to average assets | 0.2686% | 5,014 |
| Noninterest expense to average assets | 1.5294% | 6,021 |
| Loan and lease loss provision to assets | 0.0933% | 2,300 |
| Net operating income to assets | 1.3899% | 1,133 |
| Return on assets (ROA) | 1.3988% | 1,153 |
| Pretax return on assets | 1.4753% | 1,750 |
| Return on Equity (ROE) | 11.4621% | 1,544 |
| Retained earnings to average equity (ytd only) | 0.7642% | 5,384 |
| Net charge-offs to loans | 0.0425% | 3,034 |
| Credit loss provision to net charge-offs | 416.6667% | 736 |
| Earnings coverage of net charge-offs (x) | 69.6650% | 817 |
| Efficiency ratio | 49.5169% | 5,802 |
| Assets per employee ($millions) | 7.2908% | 758 |
| Cash dividends to net income (ytd only)* | 93.3329% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 1,124 |
| Loan loss allowance to noncurrent loans | 1,135.5932% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 5,430 |
| Noncurrent loans to loans | 0.1653% | 4,993 |
| Net loans and leases to total assets | 48.0427% | 5,073 |
| Net loans and leases to deposits | 54.8626% | 5,197 |
| Net loans and leases to core deposits | 56.4205% | 5,282 |
| Total domestic deposits to total assets | 87.5693% | 1,766 |
| Equity capital to assets | 12.3279% | 1,852 |
| Core capital (leverage) ratio | 11.9153% | 1,727 |
| Tier 1 risk-based capital ratio | 20.0375% | 1,539 |
| Total risk-based capital ratio | 21.2905% | 1,504 |
| Memoranda: | ||
| Average total assets | $71,488,250 | 5,118 |
| Average earning assets | $69,257,000 | 5,012 |
| Average equity | $8,724,250 | 4,970 |
| Average total loans | $37,609,000 | 5,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,294 |
| Cost of funding earning assets | 0.4378% | 2,870 |
| Net interest margin | 2.9315% | 5,381 |
| Noninterest income to average assets | 0.2563% | 5,120 |
| Noninterest expense to average assets | 1.5293% | 6,097 |
| Loan and lease loss provision to assets | 0.0845% | 2,428 |
| Net operating income to assets | 1.4084% | 1,077 |
| Return on assets (ROA) | 1.4138% | 1,095 |
| Pretax return on assets | 1.4955% | 1,660 |
| Return on Equity (ROE) | 11.6253% | 1,491 |
| Retained earnings to average equity (ytd only) | -4.5853% | 6,001 |
| Net charge-offs to loans | 0.0732% | 2,347 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 39.9286% | 1,133 |
| Efficiency ratio | 49.2740% | 5,888 |
| Assets per employee ($millions) | 7.1490% | 783 |
| Cash dividends to net income (ytd only)* | 139.4422% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 1,482 |
| Loan loss allowance to noncurrent loans | 426.3158% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 4,884 |
| Noncurrent loans to loans | 0.4118% | 4,247 |
| Net loans and leases to total assets | 50.7218% | 4,868 |
| Net loans and leases to deposits | 57.7340% | 5,010 |
| Net loans and leases to core deposits | 59.0474% | 5,127 |
| Total domestic deposits to total assets | 87.8542% | 1,727 |
| Equity capital to assets | 12.0436% | 1,988 |
| Core capital (leverage) ratio | 11.7779% | 1,788 |
| Tier 1 risk-based capital ratio | 19.3964% | 1,696 |
| Total risk-based capital ratio | 20.6486% | 1,664 |
| Memoranda: | ||
| Average total assets | $71,015,000 | 5,182 |
| Average earning assets | $68,975,670 | 5,058 |
| Average equity | $8,636,330 | 5,029 |
| Average total loans | $38,246,330 | 5,172 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 5,248 |
| Cost of funding earning assets | 0.4357% | 2,924 |
| Net interest margin | 2.9452% | 5,356 |
| Noninterest income to average assets | 0.3278% | 4,570 |
| Noninterest expense to average assets | 1.6163% | 6,098 |
| Loan and lease loss provision to assets | 0.0848% | 2,279 |
| Net operating income to assets | 1.4023% | 1,028 |
| Return on assets (ROA) | 1.4129% | 1,064 |
| Pretax return on assets | 1.5033% | 1,558 |
| Return on Equity (ROE) | 11.5614% | 1,461 |
| Retained earnings to average equity (ytd only) | -20.8105% | 6,282 |
| Net charge-offs to loans | 0.1542% | 1,334 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,481 |
| Efficiency ratio | 50.6195% | 5,881 |
| Assets per employee ($millions) | 6.4545% | 1,101 |
| Cash dividends to net income (ytd only)* | 280.0000% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 1,754 |
| Loan loss allowance to noncurrent loans | 3,326.3158% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 5,638 |
| Noncurrent loans to loans | 0.0509% | 5,575 |
| Net loans and leases to total assets | 51.6648% | 4,686 |
| Net loans and leases to deposits | 58.7655% | 4,856 |
| Net loans and leases to core deposits | 59.9487% | 4,994 |
| Total domestic deposits to total assets | 87.9169% | 1,878 |
| Equity capital to assets | 11.9732% | 2,045 |
| Core capital (leverage) ratio | 11.7530% | 1,810 |
| Tier 1 risk-based capital ratio | 18.3981% | 2,034 |
| Total risk-based capital ratio | 19.6505% | 1,984 |
| Memoranda: | ||
| Average total assets | $70,777,500 | 5,239 |
| Average earning assets | $68,857,000 | 5,117 |
| Average equity | $8,649,500 | 5,067 |
| Average total loans | $38,915,000 | 5,180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 5,291 |
| Cost of funding earning assets | 0.5338% | 2,342 |
| Net interest margin | 2.9759% | 5,494 |
| Noninterest income to average assets | 0.3677% | 4,447 |
| Noninterest expense to average assets | 1.7588% | 6,105 |
| Loan and lease loss provision to assets | 0.0517% | 3,524 |
| Net operating income to assets | 1.3763% | 1,127 |
| Return on assets (ROA) | 1.3763% | 1,170 |
| Pretax return on assets | 1.4221% | 1,808 |
| Return on Equity (ROE) | 11.0484% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.6080% | 4,387 |
| Net charge-offs to loans | 0.0381% | 4,068 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 71.2857% | 697 |
| Efficiency ratio | 54.4084% | 5,808 |
| Assets per employee ($millions) | 6.4141% | 1,107 |
| Cash dividends to net income (ytd only)* | 76.3948% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 2,228 |
| Loan loss allowance to noncurrent loans | 31,600.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 5,808 |
| Noncurrent loans to loans | 0.0049% | 5,906 |
| Net loans and leases to total assets | 56.5289% | 4,260 |
| Net loans and leases to deposits | 68.8510% | 4,045 |
| Net loans and leases to core deposits | 70.3459% | 4,294 |
| Total domestic deposits to total assets | 82.1033% | 4,382 |
| Equity capital to assets | 12.4697% | 1,671 |
| Core capital (leverage) ratio | 12.6837% | 1,263 |
| Tier 1 risk-based capital ratio | 18.7658% | 1,919 |
| Total risk-based capital ratio | 20.0162% | 1,880 |
| Memoranda: | ||
| Average total assets | $67,718,200 | 5,355 |
| Average earning assets | $65,190,000 | 5,247 |
| Average equity | $8,435,600 | 5,102 |
| Average total loans | $36,760,400 | 5,299 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 5,350 |
| Cost of funding earning assets | 0.5600% | 2,195 |
| Net interest margin | 2.9597% | 5,591 |
| Noninterest income to average assets | 0.3562% | 4,592 |
| Noninterest expense to average assets | 1.6654% | 6,233 |
| Loan and lease loss provision to assets | 0.0995% | 2,382 |
| Net operating income to assets | 1.3849% | 1,162 |
| Return on assets (ROA) | 1.3849% | 1,203 |
| Pretax return on assets | 1.4306% | 1,886 |
| Return on Equity (ROE) | 11.1202% | 1,747 |
| Retained earnings to average equity (ytd only) | -0.2556% | 5,843 |
| Net charge-offs to loans | 0.0410% | 3,687 |
| Credit loss provision to net charge-offs | 454.5455% | 626 |
| Earnings coverage of net charge-offs (x) | 69.8916% | 781 |
| Efficiency ratio | 52.1171% | 5,982 |
| Assets per employee ($millions) | 5.9420% | 1,369 |
| Cash dividends to net income (ytd only)* | 102.2985% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 1,404 |
| Loan loss allowance to noncurrent loans | 1,031.7460% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 5,531 |
| Noncurrent loans to loans | 0.1864% | 5,352 |
| Net loans and leases to total assets | 50.7175% | 4,922 |
| Net loans and leases to deposits | 60.0261% | 4,938 |
| Net loans and leases to core deposits | 61.3230% | 5,085 |
| Total domestic deposits to total assets | 84.4925% | 3,551 |
| Equity capital to assets | 13.0932% | 1,384 |
| Core capital (leverage) ratio | 13.0747% | 1,147 |
| Tier 1 risk-based capital ratio | 21.4882% | 1,352 |
| Total risk-based capital ratio | 22.7438% | 1,323 |
| Memoranda: | ||
| Average total assets | $67,009,000 | 5,428 |
| Average earning assets | $64,284,750 | 5,323 |
| Average equity | $8,345,000 | 5,161 |
| Average total loans | $35,821,500 | 5,387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5399% | 5,309 |
| Cost of funding earning assets | 0.5674% | 2,189 |
| Net interest margin | 2.9725% | 5,588 |
| Noninterest income to average assets | 0.3523% | 4,606 |
| Noninterest expense to average assets | 1.6815% | 6,289 |
| Loan and lease loss provision to assets | 0.0888% | 2,547 |
| Net operating income to assets | 1.3914% | 1,087 |
| Return on assets (ROA) | 1.3914% | 1,131 |
| Pretax return on assets | 1.4358% | 1,763 |
| Return on Equity (ROE) | 11.3609% | 1,614 |
| Retained earnings to average equity (ytd only) | -5.8496% | 6,283 |
| Net charge-offs to loans | 0.0658% | 3,054 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 42.9167% | 1,006 |
| Efficiency ratio | 52.4469% | 6,036 |
| Assets per employee ($millions) | 5.3890% | 1,794 |
| Cash dividends to net income (ytd only)* | 151.4894% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,941 |
| Loan loss allowance to noncurrent loans | 462.5000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 5,251 |
| Noncurrent loans to loans | 0.3817% | 4,848 |
| Net loans and leases to total assets | 54.1180% | 4,526 |
| Net loans and leases to deposits | 62.2678% | 4,667 |
| Net loans and leases to core deposits | 63.9005% | 4,826 |
| Total domestic deposits to total assets | 86.9116% | 2,500 |
| Equity capital to assets | 12.9415% | 1,405 |
| Core capital (leverage) ratio | 12.4638% | 1,414 |
| Tier 1 risk-based capital ratio | 20.5015% | 1,567 |
| Total risk-based capital ratio | 21.7542% | 1,536 |
| Memoranda: | ||
| Average total assets | $67,558,000 | 5,457 |
| Average earning assets | $64,860,330 | 5,355 |
| Average equity | $8,274,000 | 5,197 |
| Average total loans | $36,495,330 | 5,397 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 5,469 |
| Cost of funding earning assets | 0.5605% | 2,339 |
| Net interest margin | 2.9229% | 5,701 |
| Noninterest income to average assets | 0.3304% | 4,731 |
| Noninterest expense to average assets | 1.7217% | 6,321 |
| Loan and lease loss provision to assets | 0.0870% | 2,467 |
| Net operating income to assets | 1.2869% | 1,251 |
| Return on assets (ROA) | 1.2869% | 1,297 |
| Pretax return on assets | 1.3333% | 1,985 |
| Return on Equity (ROE) | 10.7944% | 1,759 |
| Retained earnings to average equity (ytd only) | -23.8254% | 6,573 |
| Net charge-offs to loans | 0.1083% | 2,095 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,172 |
| Efficiency ratio | 54.7970% | 5,944 |
| Assets per employee ($millions) | 6.1442% | 1,204 |
| Cash dividends to net income (ytd only)* | 320.7207% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,336 |
| Loan loss allowance to noncurrent loans | 560.0000% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,514 |
| Noncurrent loans to loans | 0.3046% | 5,200 |
| Net loans and leases to total assets | 52.5242% | 4,612 |
| Net loans and leases to deposits | 59.9524% | 4,766 |
| Net loans and leases to core deposits | 61.4403% | 4,930 |
| Total domestic deposits to total assets | 87.6099% | 2,454 |
| Equity capital to assets | 11.8752% | 1,953 |
| Core capital (leverage) ratio | 11.6544% | 1,862 |
| Tier 1 risk-based capital ratio | 19.5006% | 1,835 |
| Total risk-based capital ratio | 20.7527% | 1,804 |
| Memoranda: | ||
| Average total assets | $69,003,000 | 5,472 |
| Average earning assets | $66,373,000 | 5,364 |
| Average equity | $8,226,500 | 5,235 |
| Average total loans | $36,930,000 | 5,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 5,610 |
| Cost of funding earning assets | 0.6591% | 2,135 |
| Net interest margin | 2.8561% | 5,887 |
| Noninterest income to average assets | 0.4026% | 4,423 |
| Noninterest expense to average assets | 1.5812% | 6,523 |
| Loan and lease loss provision to assets | 0.1762% | 2,098 |
| Net operating income to assets | 1.3044% | 1,238 |
| Return on assets (ROA) | 1.3044% | 1,280 |
| Pretax return on assets | 1.3715% | 1,896 |
| Return on Equity (ROE) | 11.1582% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.1453% | 3,999 |
| Net charge-offs to loans | 0.2198% | 2,704 |
| Credit loss provision to net charge-offs | 163.6364% | 1,393 |
| Earnings coverage of net charge-offs (x) | 14.3766% | 1,949 |
| Efficiency ratio | 50.5362% | 6,378 |
| Assets per employee ($millions) | 6.4018% | 1,033 |
| Cash dividends to net income (ytd only)* | 71.8114% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 2,686 |
| Loan loss allowance to noncurrent loans | 540.7080% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 5,834 |
| Noncurrent loans to loans | 0.2994% | 5,288 |
| Net loans and leases to total assets | 52.7322% | 4,756 |
| Net loans and leases to deposits | 62.0192% | 4,713 |
| Net loans and leases to core deposits | 63.5356% | 4,912 |
| Total domestic deposits to total assets | 85.0256% | 3,737 |
| Equity capital to assets | 11.9668% | 1,827 |
| Core capital (leverage) ratio | 12.1384% | 1,523 |
| Tier 1 risk-based capital ratio | 19.9563% | 1,662 |
| Total risk-based capital ratio | 21.2085% | 1,634 |
| Memoranda: | ||
| Average total assets | $71,526,200 | 5,429 |
| Average earning assets | $68,275,200 | 5,341 |
| Average equity | $8,361,600 | 5,251 |
| Average total loans | $35,029,800 | 5,537 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,672 |
| Cost of funding earning assets | 0.6796% | 2,102 |
| Net interest margin | 2.8276% | 5,967 |
| Noninterest income to average assets | 0.3602% | 4,817 |
| Noninterest expense to average assets | 1.5078% | 6,637 |
| Loan and lease loss provision to assets | 0.1226% | 2,760 |
| Net operating income to assets | 1.3611% | 1,204 |
| Return on assets (ROA) | 1.3611% | 1,246 |
| Pretax return on assets | 1.4261% | 1,845 |
| Return on Equity (ROE) | 11.7110% | 1,579 |
| Retained earnings to average equity (ytd only) | 1.0066% | 5,574 |
| Net charge-offs to loans | 0.2989% | 2,041 |
| Credit loss provision to net charge-offs | 85.7143% | 2,718 |
| Earnings coverage of net charge-offs (x) | 10.8316% | 2,311 |
| Efficiency ratio | 49.3317% | 6,441 |
| Assets per employee ($millions) | 6.2661% | 1,060 |
| Cash dividends to net income (ytd only)* | 91.4050% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 2,929 |
| Loan loss allowance to noncurrent loans | 214.3969% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 5,227 |
| Noncurrent loans to loans | 0.7541% | 4,339 |
| Net loans and leases to total assets | 48.6471% | 5,286 |
| Net loans and leases to deposits | 56.8043% | 5,301 |
| Net loans and leases to core deposits | 58.2065% | 5,434 |
| Total domestic deposits to total assets | 85.6399% | 3,433 |
| Equity capital to assets | 12.0316% | 1,898 |
| Core capital (leverage) ratio | 11.7849% | 1,828 |
| Tier 1 risk-based capital ratio | 20.8271% | 1,527 |
| Total risk-based capital ratio | 22.0782% | 1,501 |
| Memoranda: | ||
| Average total assets | $71,802,750 | 5,478 |
| Average earning assets | $68,465,000 | 5,395 |
| Average equity | $8,345,250 | 5,308 |
| Average total loans | $34,351,000 | 5,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4552% | 5,780 |
| Cost of funding earning assets | 0.6957% | 2,095 |
| Net interest margin | 2.7595% | 6,081 |
| Noninterest income to average assets | 0.3766% | 4,698 |
| Noninterest expense to average assets | 1.4898% | 6,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4541% | 976 |
| Return on assets (ROA) | 1.4541% | 1,051 |
| Pretax return on assets | 1.5145% | 1,574 |
| Return on Equity (ROE) | 12.6515% | 1,331 |
| Retained earnings to average equity (ytd only) | -3.3721% | 6,346 |
| Net charge-offs to loans | 0.0755% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 42.3846% | 893 |
| Efficiency ratio | 49.5883% | 6,456 |
| Assets per employee ($millions) | 5.9358% | 1,246 |
| Cash dividends to net income (ytd only)* | 126.6541% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,327 |
| Loan loss allowance to noncurrent loans | 773.2394% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 6,102 |
| Noncurrent loans to loans | 0.2015% | 5,808 |
| Net loans and leases to total assets | 48.6894% | 5,264 |
| Net loans and leases to deposits | 56.0184% | 5,343 |
| Net loans and leases to core deposits | 57.6163% | 5,457 |
| Total domestic deposits to total assets | 86.9168% | 2,870 |
| Equity capital to assets | 11.1542% | 2,608 |
| Core capital (leverage) ratio | 11.2597% | 2,121 |
| Tier 1 risk-based capital ratio | 19.7039% | 1,794 |
| Total risk-based capital ratio | 20.9556% | 1,773 |
| Memoranda: | ||
| Average total assets | $72,761,330 | 5,493 |
| Average earning assets | $69,286,670 | 5,412 |
| Average equity | $8,362,670 | 5,347 |
| Average total loans | $34,440,670 | 5,644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 5,904 |
| Cost of funding earning assets | 0.7189% | 2,068 |
| Net interest margin | 2.6974% | 6,214 |
| Noninterest income to average assets | 0.3482% | 4,894 |
| Noninterest expense to average assets | 1.5124% | 6,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3383% | 1,182 |
| Return on assets (ROA) | 1.3383% | 1,278 |
| Pretax return on assets | 1.3872% | 1,896 |
| Return on Equity (ROE) | 11.4799% | 1,564 |
| Retained earnings to average equity (ytd only) | -19.7865% | 6,829 |
| Net charge-offs to loans | 0.1645% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 18.2143% | 1,272 |
| Efficiency ratio | 52.1576% | 6,367 |
| Assets per employee ($millions) | 7.3309% | 658 |
| Cash dividends to net income (ytd only)* | 272.3577% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 3,034 |
| Loan loss allowance to noncurrent loans | 377.9310% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 5,980 |
| Noncurrent loans to loans | 0.4482% | 5,300 |
| Net loans and leases to total assets | 43.3849% | 5,720 |
| Net loans and leases to deposits | 49.0485% | 5,853 |
| Net loans and leases to core deposits | 50.3794% | 5,952 |
| Total domestic deposits to total assets | 88.4530% | 2,034 |
| Equity capital to assets | 11.3588% | 2,571 |
| Core capital (leverage) ratio | 10.7973% | 2,459 |
| Tier 1 risk-based capital ratio | 20.4085% | 1,672 |
| Total risk-based capital ratio | 21.6610% | 1,647 |
| Memoranda: | ||
| Average total assets | $73,527,500 | 5,522 |
| Average earning assets | $69,547,500 | 5,449 |
| Average equity | $8,571,500 | 5,340 |
| Average total loans | $34,046,000 | 5,702 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 5,701 |
| Cost of funding earning assets | 0.8562% | 2,254 |
| Net interest margin | 2.9969% | 6,057 |
| Noninterest income to average assets | 0.3781% | 4,768 |
| Noninterest expense to average assets | 1.7576% | 6,672 |
| Loan and lease loss provision to assets | 0.0880% | 4,594 |
| Net operating income to assets | 1.2626% | 1,415 |
| Return on assets (ROA) | 1.2626% | 1,571 |
| Pretax return on assets | 1.3607% | 2,174 |
| Return on Equity (ROE) | 10.1348% | 2,114 |
| Retained earnings to average equity (ytd only) | 1.9111% | 4,872 |
| Net charge-offs to loans | 0.1657% | 4,053 |
| Credit loss provision to net charge-offs | 105.1724% | 2,835 |
| Earnings coverage of net charge-offs (x) | 17.3103% | 1,511 |
| Efficiency ratio | 54.8155% | 6,198 |
| Assets per employee ($millions) | 6.1455% | 1,196 |
| Cash dividends to net income (ytd only)* | 81.1429% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 3,431 |
| Loan loss allowance to noncurrent loans | 1,306.9767% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,476 |
| Noncurrent loans to loans | 0.1203% | 6,176 |
| Net loans and leases to total assets | 47.7002% | 5,443 |
| Net loans and leases to deposits | 54.3173% | 5,622 |
| Net loans and leases to core deposits | 55.5526% | 5,749 |
| Total domestic deposits to total assets | 87.8176% | 2,336 |
| Equity capital to assets | 11.9545% | 2,070 |
| Core capital (leverage) ratio | 11.6403% | 1,775 |
| Tier 1 risk-based capital ratio | 20.2416% | 1,618 |
| Total risk-based capital ratio | 21.4935% | 1,587 |
| Memoranda: | ||
| Average total assets | $69,301,000 | 5,647 |
| Average earning assets | $65,401,600 | 5,574 |
| Average equity | $8,633,600 | 5,326 |
| Average total loans | $34,996,400 | 5,715 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 5,629 |
| Cost of funding earning assets | 0.8843% | 2,278 |
| Net interest margin | 3.0784% | 5,985 |
| Noninterest income to average assets | 0.3285% | 5,169 |
| Noninterest expense to average assets | 1.6503% | 6,828 |
| Loan and lease loss provision to assets | 0.0958% | 4,377 |
| Net operating income to assets | 1.3902% | 1,249 |
| Return on assets (ROA) | 1.3902% | 1,370 |
| Pretax return on assets | 1.4958% | 1,892 |
| Return on Equity (ROE) | 11.0384% | 1,945 |
| Retained earnings to average equity (ytd only) | 0.0155% | 6,065 |
| Net charge-offs to loans | 0.1762% | 3,703 |
| Credit loss provision to net charge-offs | 106.5217% | 2,758 |
| Earnings coverage of net charge-offs (x) | 17.6962% | 1,608 |
| Efficiency ratio | 50.9047% | 6,524 |
| Assets per employee ($millions) | 5.6703% | 1,482 |
| Cash dividends to net income (ytd only)* | 99.8586% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 3,046 |
| Loan loss allowance to noncurrent loans | 209.7015% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 5,707 |
| Noncurrent loans to loans | 0.8238% | 4,771 |
| Net loans and leases to total assets | 46.9879% | 5,659 |
| Net loans and leases to deposits | 54.0670% | 5,805 |
| Net loans and leases to core deposits | 55.6538% | 5,920 |
| Total domestic deposits to total assets | 86.9068% | 2,731 |
| Equity capital to assets | 12.8713% | 1,665 |
| Core capital (leverage) ratio | 12.2865% | 1,500 |
| Tier 1 risk-based capital ratio | 21.8446% | 1,358 |
| Total risk-based capital ratio | 23.0969% | 1,331 |
| Memoranda: | ||
| Average total assets | $68,189,750 | 5,739 |
| Average earning assets | $64,533,750 | 5,658 |
| Average equity | $8,588,000 | 5,387 |
| Average total loans | $34,810,750 | 5,799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 5,474 |
| Cost of funding earning assets | 0.9292% | 2,193 |
| Net interest margin | 3.1252% | 5,925 |
| Noninterest income to average assets | 0.3341% | 5,155 |
| Noninterest expense to average assets | 1.7175% | 6,825 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4567% | 1,072 |
| Return on assets (ROA) | 1.4567% | 1,206 |
| Pretax return on assets | 1.5739% | 1,627 |
| Return on Equity (ROE) | 11.6512% | 1,787 |
| Retained earnings to average equity (ytd only) | -4.9934% | 6,615 |
| Net charge-offs to loans | 0.1012% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 1,075 |
| Efficiency ratio | 52.1817% | 6,486 |
| Assets per employee ($millions) | 4.9578% | 2,229 |
| Cash dividends to net income (ytd only)* | 142.8571% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,723 |
| Loan loss allowance to noncurrent loans | 466.3793% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 6,341 |
| Noncurrent loans to loans | 0.3355% | 5,874 |
| Net loans and leases to total assets | 52.8138% | 4,986 |
| Net loans and leases to deposits | 61.0620% | 5,122 |
| Net loans and leases to core deposits | 62.9594% | 5,302 |
| Total domestic deposits to total assets | 86.4921% | 3,077 |
| Equity capital to assets | 13.2504% | 1,411 |
| Core capital (leverage) ratio | 11.4061% | 1,966 |
| Tier 1 risk-based capital ratio | 20.3367% | 1,628 |
| Total risk-based capital ratio | 21.5877% | 1,596 |
| Memoranda: | ||
| Average total assets | $68,238,670 | 5,773 |
| Average earning assets | $64,572,000 | 5,690 |
| Average equity | $8,531,330 | 5,407 |
| Average total loans | $35,569,670 | 5,808 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 5,727 |
| Cost of funding earning assets | 0.9464% | 2,327 |
| Net interest margin | 3.0636% | 6,147 |
| Noninterest income to average assets | 0.2909% | 5,538 |
| Noninterest expense to average assets | 1.6312% | 6,951 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3917% | 1,236 |
| Return on assets (ROA) | 1.3917% | 1,382 |
| Pretax return on assets | 1.5399% | 1,769 |
| Return on Equity (ROE) | 11.4460% | 1,857 |
| Retained earnings to average equity (ytd only) | -20.4527% | 7,050 |
| Net charge-offs to loans | -0.0111% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4388% | 6,587 |
| Assets per employee ($millions) | 5.5460% | 1,660 |
| Cash dividends to net income (ytd only)* | 278.6885% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,964 |
| Loan loss allowance to noncurrent loans | 523.3645% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 6,513 |
| Noncurrent loans to loans | 0.2952% | 6,082 |
| Net loans and leases to total assets | 49.4896% | 5,374 |
| Net loans and leases to deposits | 56.0484% | 5,596 |
| Net loans and leases to core deposits | 57.5639% | 5,754 |
| Total domestic deposits to total assets | 88.2979% | 2,134 |
| Equity capital to assets | 11.4913% | 2,451 |
| Core capital (leverage) ratio | 11.0883% | 2,196 |
| Tier 1 risk-based capital ratio | 18.8306% | 2,040 |
| Total risk-based capital ratio | 20.0809% | 2,007 |
| Memoranda: | ||
| Average total assets | $70,132,500 | 5,769 |
| Average earning assets | $65,936,000 | 5,688 |
| Average equity | $8,527,000 | 5,420 |
| Average total loans | $36,064,500 | 5,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 5,553 |
| Cost of funding earning assets | 1.2277% | 1,851 |
| Net interest margin | 3.1371% | 6,253 |
| Noninterest income to average assets | 0.4349% | 4,332 |
| Noninterest expense to average assets | 1.8546% | 6,891 |
| Loan and lease loss provision to assets | 0.1515% | 4,725 |
| Net operating income to assets | 1.3485% | 1,145 |
| Return on assets (ROA) | 1.3485% | 1,236 |
| Pretax return on assets | 1.3712% | 1,874 |
| Return on Equity (ROE) | 10.6963% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.0862% | 3,282 |
| Net charge-offs to loans | 0.0058% | 6,352 |
| Credit loss provision to net charge-offs | 5,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 502.5000% | 64 |
| Efficiency ratio | 54.9125% | 6,435 |
| Assets per employee ($millions) | 5.2436% | 1,891 |
| Cash dividends to net income (ytd only)* | 61.7978% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,764 |
| Loan loss allowance to noncurrent loans | 317.6136% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 6,322 |
| Noncurrent loans to loans | 0.4904% | 5,731 |
| Net loans and leases to total assets | 51.8271% | 5,338 |
| Net loans and leases to deposits | 60.6871% | 5,410 |
| Net loans and leases to core deposits | 62.4794% | 5,605 |
| Total domestic deposits to total assets | 85.4006% | 3,644 |
| Equity capital to assets | 12.8640% | 1,563 |
| Core capital (leverage) ratio | 11.6528% | 1,789 |
| Tier 1 risk-based capital ratio | 20.0206% | 1,637 |
| Total risk-based capital ratio | 21.2716% | 1,607 |
| Memoranda: | ||
| Average total assets | $65,999,600 | 5,864 |
| Average earning assets | $61,904,200 | 5,807 |
| Average equity | $8,320,600 | 5,470 |
| Average total loans | $34,775,600 | 5,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 5,598 |
| Cost of funding earning assets | 1.2684% | 1,876 |
| Net interest margin | 3.1331% | 6,338 |
| Noninterest income to average assets | 0.3952% | 4,705 |
| Noninterest expense to average assets | 1.7721% | 7,026 |
| Loan and lease loss provision to assets | 0.1528% | 4,548 |
| Net operating income to assets | 1.3769% | 1,207 |
| Return on assets (ROA) | 1.3769% | 1,287 |
| Pretax return on assets | 1.4034% | 1,934 |
| Return on Equity (ROE) | 10.9802% | 1,871 |
| Retained earnings to average equity (ytd only) | 2.0467% | 5,113 |
| Net charge-offs to loans | -0.0116% | 6,801 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2436% | 6,571 |
| Assets per employee ($millions) | 4.6833% | 2,643 |
| Cash dividends to net income (ytd only)* | 81.3616% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,680 |
| Loan loss allowance to noncurrent loans | 998.1481% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 6,847 |
| Noncurrent loans to loans | 0.1601% | 6,548 |
| Net loans and leases to total assets | 50.6238% | 5,624 |
| Net loans and leases to deposits | 58.4315% | 5,802 |
| Net loans and leases to core deposits | 60.1915% | 5,981 |
| Total domestic deposits to total assets | 86.6379% | 2,864 |
| Equity capital to assets | 13.0937% | 1,564 |
| Core capital (leverage) ratio | 11.6313% | 1,933 |
| Tier 1 risk-based capital ratio | 20.8713% | 1,479 |
| Total risk-based capital ratio | 22.1239% | 1,455 |
| Memoranda: | ||
| Average total assets | $65,457,750 | 5,931 |
| Average earning assets | $61,280,500 | 5,859 |
| Average equity | $8,208,500 | 5,536 |
| Average total loans | $34,497,500 | 5,993 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 5,460 |
| Cost of funding earning assets | 1.2872% | 2,023 |
| Net interest margin | 3.1803% | 6,218 |
| Noninterest income to average assets | 0.3974% | 4,701 |
| Noninterest expense to average assets | 1.7945% | 7,091 |
| Loan and lease loss provision to assets | 0.1529% | 4,404 |
| Net operating income to assets | 1.3818% | 1,121 |
| Return on assets (ROA) | 1.3818% | 1,188 |
| Pretax return on assets | 1.4185% | 1,755 |
| Return on Equity (ROE) | 11.1840% | 1,733 |
| Retained earnings to average equity (ytd only) | -2.4248% | 6,307 |
| Net charge-offs to loans | -0.0345% | 6,951 |
| Credit loss provision to net charge-offs | -833.3333% | 6,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3152% | 6,683 |
| Assets per employee ($millions) | 4.5629% | 2,740 |
| Cash dividends to net income (ytd only)* | 121.6814% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,727 |
| Loan loss allowance to noncurrent loans | 377.3723% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 6,580 |
| Noncurrent loans to loans | 0.4216% | 6,059 |
| Net loans and leases to total assets | 50.0595% | 5,813 |
| Net loans and leases to deposits | 57.6606% | 5,971 |
| Net loans and leases to core deposits | 59.4342% | 6,143 |
| Total domestic deposits to total assets | 86.8175% | 2,845 |
| Equity capital to assets | 12.8726% | 1,584 |
| Core capital (leverage) ratio | 11.4884% | 1,915 |
| Tier 1 risk-based capital ratio | 21.0097% | 1,415 |
| Total risk-based capital ratio | 22.2609% | 1,397 |
| Memoranda: | ||
| Average total assets | $65,421,670 | 5,975 |
| Average earning assets | $61,064,330 | 5,920 |
| Average equity | $8,083,000 | 5,587 |
| Average total loans | $34,753,000 | 6,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 5,524 |
| Cost of funding earning assets | 1.2946% | 2,211 |
| Net interest margin | 3.1523% | 6,213 |
| Noninterest income to average assets | 0.3505% | 5,095 |
| Noninterest expense to average assets | 1.7585% | 7,179 |
| Loan and lease loss provision to assets | 0.1511% | 4,134 |
| Net operating income to assets | 1.3234% | 1,219 |
| Return on assets (ROA) | 1.3234% | 1,265 |
| Pretax return on assets | 1.3838% | 1,772 |
| Return on Equity (ROE) | 10.9322% | 1,761 |
| Retained earnings to average equity (ytd only) | -16.5231% | 7,082 |
| Net charge-offs to loans | -0.0780% | 7,015 |
| Credit loss provision to net charge-offs | -357.1429% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3945% | 6,754 |
| Assets per employee ($millions) | 4.9645% | 2,217 |
| Cash dividends to net income (ytd only)* | 251.1416% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,867 |
| Loan loss allowance to noncurrent loans | 460.7477% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 6,749 |
| Noncurrent loans to loans | 0.2947% | 6,395 |
| Net loans and leases to total assets | 55.4851% | 5,080 |
| Net loans and leases to deposits | 64.4975% | 5,188 |
| Net loans and leases to core deposits | 66.1610% | 5,491 |
| Total domestic deposits to total assets | 86.0268% | 3,516 |
| Equity capital to assets | 12.1339% | 1,839 |
| Core capital (leverage) ratio | 11.1085% | 2,111 |
| Tier 1 risk-based capital ratio | 18.4607% | 1,972 |
| Total risk-based capital ratio | 19.6757% | 1,930 |
| Memoranda: | ||
| Average total assets | $66,192,500 | 5,987 |
| Average earning assets | $61,796,000 | 5,946 |
| Average equity | $8,013,000 | 5,600 |
| Average total loans | $35,882,000 | 6,030 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 5,732 |
| Cost of funding earning assets | 1.4851% | 2,734 |
| Net interest margin | 3.2347% | 6,178 |
| Noninterest income to average assets | 0.4995% | 4,174 |
| Noninterest expense to average assets | 1.9049% | 7,155 |
| Loan and lease loss provision to assets | 0.3614% | 3,953 |
| Net operating income to assets | 1.1918% | 1,434 |
| Return on assets (ROA) | 1.1918% | 1,512 |
| Pretax return on assets | 1.2592% | 2,048 |
| Return on Equity (ROE) | 9.2188% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.0067% | 3,746 |
| Net charge-offs to loans | 0.7930% | 2,655 |
| Credit loss provision to net charge-offs | 81.2274% | 5,512 |
| Earnings coverage of net charge-offs (x) | 3.6426% | 3,258 |
| Efficiency ratio | 54.0319% | 6,804 |
| Assets per employee ($millions) | 5.2190% | 1,840 |
| Cash dividends to net income (ytd only)* | 67.3854% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 5,002 |
| Loan loss allowance to noncurrent loans | 2,881.2500% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,184 |
| Noncurrent loans to loans | 0.0451% | 7,016 |
| Net loans and leases to total assets | 51.5881% | 5,974 |
| Net loans and leases to deposits | 58.8757% | 6,166 |
| Net loans and leases to core deposits | 60.2863% | 6,372 |
| Total domestic deposits to total assets | 87.6221% | 2,469 |
| Equity capital to assets | 12.0786% | 1,866 |
| Core capital (leverage) ratio | 12.1696% | 1,449 |
| Tier 1 risk-based capital ratio | 19.5687% | 1,583 |
| Total risk-based capital ratio | 20.7220% | 1,572 |
| Memoranda: | ||
| Average total assets | $62,260,800 | 6,117 |
| Average earning assets | $58,243,600 | 6,057 |
| Average equity | $8,048,800 | 5,700 |
| Average total loans | $34,928,600 | 6,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 5,802 |
| Cost of funding earning assets | 1.5369% | 2,742 |
| Net interest margin | 3.2299% | 6,251 |
| Noninterest income to average assets | 0.4754% | 4,375 |
| Noninterest expense to average assets | 1.8445% | 7,276 |
| Loan and lease loss provision to assets | 0.3286% | 3,964 |
| Net operating income to assets | 1.2749% | 1,402 |
| Return on assets (ROA) | 1.2749% | 1,484 |
| Pretax return on assets | 1.3407% | 2,065 |
| Return on Equity (ROE) | 9.6849% | 2,252 |
| Retained earnings to average equity (ytd only) | 1.3645% | 5,264 |
| Net charge-offs to loans | 0.4828% | 3,344 |
| Credit loss provision to net charge-offs | 119.0476% | 3,477 |
| Earnings coverage of net charge-offs (x) | 6.0474% | 2,610 |
| Efficiency ratio | 52.4938% | 6,935 |
| Assets per employee ($millions) | 4.7888% | 2,465 |
| Cash dividends to net income (ytd only)* | 85.9107% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,877 |
| Loan loss allowance to noncurrent loans | 1,917.8571% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,230 |
| Noncurrent loans to loans | 0.0792% | 7,044 |
| Net loans and leases to total assets | 55.9345% | 5,553 |
| Net loans and leases to deposits | 65.5967% | 5,710 |
| Net loans and leases to core deposits | 67.3566% | 6,006 |
| Total domestic deposits to total assets | 85.2703% | 3,482 |
| Equity capital to assets | 13.2760% | 1,460 |
| Core capital (leverage) ratio | 12.2584% | 1,532 |
| Tier 1 risk-based capital ratio | 19.6633% | 1,612 |
| Total risk-based capital ratio | 20.9157% | 1,581 |
| Memoranda: | ||
| Average total assets | $60,864,250 | 6,240 |
| Average earning assets | $57,255,250 | 6,153 |
| Average equity | $8,012,250 | 5,788 |
| Average total loans | $34,795,250 | 6,249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8465% | 5,619 |
| Cost of funding earning assets | 1.5788% | 2,778 |
| Net interest margin | 3.2677% | 6,112 |
| Noninterest income to average assets | 0.5166% | 3,980 |
| Noninterest expense to average assets | 1.8808% | 7,293 |
| Loan and lease loss provision to assets | 0.3311% | 3,750 |
| Net operating income to assets | 1.2881% | 1,335 |
| Return on assets (ROA) | 1.2881% | 1,394 |
| Pretax return on assets | 1.3477% | 1,956 |
| Return on Equity (ROE) | 9.8133% | 2,172 |
| Retained earnings to average equity (ytd only) | -2.8002% | 6,267 |
| Net charge-offs to loans | 0.6357% | 2,640 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 4.6091% | 2,900 |
| Efficiency ratio | 52.8372% | 6,996 |
| Assets per employee ($millions) | 4.4913% | 2,893 |
| Cash dividends to net income (ytd only)* | 128.5347% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 3,805 |
| Loan loss allowance to noncurrent loans | 1,734.4828% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 7,266 |
| Noncurrent loans to loans | 0.0878% | 7,091 |
| Net loans and leases to total assets | 55.6990% | 5,748 |
| Net loans and leases to deposits | 64.8371% | 5,929 |
| Net loans and leases to core deposits | 67.2394% | 6,126 |
| Total domestic deposits to total assets | 85.9061% | 3,144 |
| Equity capital to assets | 13.6863% | 1,275 |
| Core capital (leverage) ratio | 12.4689% | 1,421 |
| Tier 1 risk-based capital ratio | 20.7455% | 1,387 |
| Total risk-based capital ratio | 21.9982% | 1,358 |
| Memoranda: | ||
| Average total assets | $60,400,670 | 6,288 |
| Average earning assets | $56,247,000 | 6,232 |
| Average equity | $7,928,000 | 5,829 |
| Average total loans | $34,607,330 | 6,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 5,279 |
| Cost of funding earning assets | 1.5987% | 2,969 |
| Net interest margin | 3.3394% | 5,820 |
| Noninterest income to average assets | 0.3973% | 4,933 |
| Noninterest expense to average assets | 1.7457% | 7,528 |
| Loan and lease loss provision to assets | 0.3257% | 3,454 |
| Net operating income to assets | 1.3419% | 1,200 |
| Return on assets (ROA) | 1.3419% | 1,273 |
| Pretax return on assets | 1.3875% | 1,811 |
| Return on Equity (ROE) | 10.4350% | 1,969 |
| Retained earnings to average equity (ytd only) | -14.8927% | 7,206 |
| Net charge-offs to loans | -0.0339% | 7,233 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4708% | 7,280 |
| Assets per employee ($millions) | 4.9006% | 2,370 |
| Cash dividends to net income (ytd only)* | 242.7184% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,461 |
| Loan loss allowance to noncurrent loans | 305.9459% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 6,690 |
| Noncurrent loans to loans | 0.5219% | 6,246 |
| Net loans and leases to total assets | 59.3110% | 5,243 |
| Net loans and leases to deposits | 69.2401% | 5,441 |
| Net loans and leases to core deposits | 71.1860% | 5,809 |
| Total domestic deposits to total assets | 85.6599% | 3,341 |
| Equity capital to assets | 13.1464% | 1,465 |
| Core capital (leverage) ratio | 11.8133% | 1,742 |
| Tier 1 risk-based capital ratio | 19.0813% | 1,701 |
| Total risk-based capital ratio | 20.3331% | 1,670 |
| Memoranda: | ||
| Average total assets | $61,407,500 | 6,330 |
| Average earning assets | $56,297,500 | 6,310 |
| Average equity | $7,896,500 | 5,882 |
| Average total loans | $35,399,000 | 6,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 6,328 |
| Cost of funding earning assets | 1.8417% | 3,774 |
| Net interest margin | 3.1914% | 6,122 |
| Noninterest income to average assets | 0.4566% | 4,750 |
| Noninterest expense to average assets | 1.9341% | 7,449 |
| Loan and lease loss provision to assets | 0.3698% | 4,570 |
| Net operating income to assets | 1.0820% | 1,561 |
| Return on assets (ROA) | 1.0820% | 1,611 |
| Pretax return on assets | 1.1559% | 2,077 |
| Return on Equity (ROE) | 8.5009% | 2,196 |
| Retained earnings to average equity (ytd only) | -0.9726% | 5,250 |
| Net charge-offs to loans | 0.7239% | 3,022 |
| Credit loss provision to net charge-offs | 89.8438% | 6,000 |
| Earnings coverage of net charge-offs (x) | 3.7070% | 3,235 |
| Efficiency ratio | 55.9015% | 7,030 |
| Assets per employee ($millions) | 5.3340% | 1,809 |
| Cash dividends to net income (ytd only)* | 111.4413% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,971 |
| Loan loss allowance to noncurrent loans | 307.1856% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,796 |
| Noncurrent loans to loans | 0.4724% | 6,308 |
| Net loans and leases to total assets | 54.4307% | 6,151 |
| Net loans and leases to deposits | 62.5505% | 6,405 |
| Net loans and leases to core deposits | 68.2415% | 6,867 |
| Total domestic deposits to total assets | 87.0188% | 2,494 |
| Equity capital to assets | 12.5953% | 1,705 |
| Core capital (leverage) ratio | 12.1239% | 1,612 |
| Tier 1 risk-based capital ratio | 19.6842% | 1,524 |
| Total risk-based capital ratio | 20.9359% | 1,486 |
| Memoranda: | ||
| Average total assets | $62,200,000 | 6,265 |
| Average earning assets | $58,531,400 | 6,199 |
| Average equity | $7,916,800 | 5,954 |
| Average total loans | $35,366,400 | 6,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 6,276 |
| Cost of funding earning assets | 1.8692% | 4,051 |
| Net interest margin | 3.2276% | 5,925 |
| Noninterest income to average assets | 0.3973% | 5,305 |
| Noninterest expense to average assets | 1.9174% | 7,515 |
| Loan and lease loss provision to assets | 0.1727% | 5,633 |
| Net operating income to assets | 1.3150% | 1,186 |
| Return on assets (ROA) | 1.3150% | 1,258 |
| Pretax return on assets | 1.3906% | 1,722 |
| Return on Equity (ROE) | 10.3037% | 1,815 |
| Retained earnings to average equity (ytd only) | -2.3856% | 5,794 |
| Net charge-offs to loans | 0.0113% | 6,778 |
| Credit loss provision to net charge-offs | 2,666.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 241.3275% | 159 |
| Efficiency ratio | 55.0868% | 7,108 |
| Assets per employee ($millions) | 4.9298% | 2,229 |
| Cash dividends to net income (ytd only)* | 123.1533% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,760.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 7,408 |
| Noncurrent loans to loans | 0.1037% | 7,218 |
| Net loans and leases to total assets | 56.0204% | 6,140 |
| Net loans and leases to deposits | 65.2182% | 6,379 |
| Net loans and leases to core deposits | 72.2004% | 6,836 |
| Total domestic deposits to total assets | 85.8969% | 2,751 |
| Equity capital to assets | 13.6789% | 1,425 |
| Core capital (leverage) ratio | 12.2566% | 1,679 |
| Tier 1 risk-based capital ratio | 20.4745% | 1,463 |
| Total risk-based capital ratio | 21.7304% | 1,417 |
| Memoranda: | ||
| Average total assets | $61,748,000 | 6,320 |
| Average earning assets | $58,989,750 | 6,216 |
| Average equity | $7,880,500 | 6,024 |
| Average total loans | $35,369,750 | 6,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 6,323 |
| Cost of funding earning assets | 1.8915% | 4,308 |
| Net interest margin | 3.2374% | 5,779 |
| Noninterest income to average assets | 0.3514% | 5,692 |
| Noninterest expense to average assets | 2.0092% | 7,446 |
| Loan and lease loss provision to assets | 0.0958% | 6,208 |
| Net operating income to assets | 1.2522% | 1,350 |
| Return on assets (ROA) | 1.2522% | 1,426 |
| Pretax return on assets | 1.3352% | 1,915 |
| Return on Equity (ROE) | 10.0384% | 2,010 |
| Retained earnings to average equity (ytd only) | -9.1677% | 6,783 |
| Net charge-offs to loans | 0.0111% | 6,409 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 188 |
| Efficiency ratio | 58.4030% | 6,786 |
| Assets per employee ($millions) | 4.3961% | 2,941 |
| Cash dividends to net income (ytd only)* | 191.3265% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 2,918 |
| Loan loss allowance to noncurrent loans | 14,175.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 7,363 |
| Noncurrent loans to loans | 0.0110% | 7,535 |
| Net loans and leases to total assets | 58.1964% | 5,937 |
| Net loans and leases to deposits | 66.9927% | 6,292 |
| Net loans and leases to core deposits | 74.8777% | 6,741 |
| Total domestic deposits to total assets | 86.8698% | 2,323 |
| Equity capital to assets | 12.5518% | 1,898 |
| Core capital (leverage) ratio | 11.7570% | 1,950 |
| Tier 1 risk-based capital ratio | 18.3291% | 1,926 |
| Total risk-based capital ratio | 19.5821% | 1,872 |
| Memoranda: | ||
| Average total assets | $62,611,670 | 6,350 |
| Average earning assets | $59,740,000 | 6,237 |
| Average equity | $7,810,000 | 6,083 |
| Average total loans | $35,907,670 | 6,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 6,475 |
| Cost of funding earning assets | 1.9117% | 4,572 |
| Net interest margin | 3.2419% | 5,720 |
| Noninterest income to average assets | 0.3991% | 5,213 |
| Noninterest expense to average assets | 1.8244% | 7,668 |
| Loan and lease loss provision to assets | 0.0950% | 5,745 |
| Net operating income to assets | 1.4760% | 982 |
| Return on assets (ROA) | 1.4760% | 1,058 |
| Pretax return on assets | 1.5520% | 1,529 |
| Return on Equity (ROE) | 11.8688% | 1,705 |
| Retained earnings to average equity (ytd only) | -26.3356% | 7,801 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5547% | 7,357 |
| Assets per employee ($millions) | 5.1933% | 1,849 |
| Cash dividends to net income (ytd only)* | 321.8884% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 2,968 |
| Loan loss allowance to noncurrent loans | 407.3529% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 6,403 |
| Noncurrent loans to loans | 0.3692% | 6,499 |
| Net loans and leases to total assets | 58.2246% | 5,909 |
| Net loans and leases to deposits | 66.5951% | 6,319 |
| Net loans and leases to core deposits | 74.1691% | 6,801 |
| Total domestic deposits to total assets | 87.4308% | 2,005 |
| Equity capital to assets | 12.1664% | 2,158 |
| Core capital (leverage) ratio | 11.5669% | 2,105 |
| Tier 1 risk-based capital ratio | 17.7446% | 2,114 |
| Total risk-based capital ratio | 18.9973% | 2,063 |
| Memoranda: | ||
| Average total assets | $63,145,000 | 6,353 |
| Average earning assets | $59,841,000 | 6,266 |
| Average equity | $7,852,500 | 6,107 |
| Average total loans | $35,669,500 | 6,455 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 6,359 |
| Cost of funding earning assets | 2.6022% | 3,674 |
| Net interest margin | 3.2224% | 6,296 |
| Noninterest income to average assets | 0.6206% | 3,709 |
| Noninterest expense to average assets | 1.8699% | 7,661 |
| Loan and lease loss provision to assets | 0.2412% | 4,495 |
| Net operating income to assets | 1.4567% | 1,112 |
| Return on assets (ROA) | 1.4567% | 1,064 |
| Pretax return on assets | 1.5338% | 1,585 |
| Return on Equity (ROE) | 12.0479% | 1,576 |
| Retained earnings to average equity (ytd only) | 2.7394% | 3,476 |
| Net charge-offs to loans | 0.1129% | 5,137 |
| Credit loss provision to net charge-offs | 375.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,237 |
| Efficiency ratio | 51.3013% | 7,563 |
| Assets per employee ($millions) | 5.3309% | 1,603 |
| Cash dividends to net income (ytd only)* | 77.2627% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,684.3750% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 6,781 |
| Noncurrent loans to loans | 0.0928% | 7,145 |
| Net loans and leases to total assets | 53.0881% | 6,740 |
| Net loans and leases to deposits | 61.1767% | 7,006 |
| Net loans and leases to core deposits | 67.9315% | 7,291 |
| Total domestic deposits to total assets | 86.7784% | 2,047 |
| Equity capital to assets | 12.6979% | 1,919 |
| Core capital (leverage) ratio | 11.9493% | 1,990 |
| Tier 1 risk-based capital ratio | 19.6904% | 1,666 |
| Total risk-based capital ratio | 20.9427% | 1,623 |
| Memoranda: | ||
| Average total assets | $62,197,200 | 6,310 |
| Average earning assets | $58,372,600 | 6,246 |
| Average equity | $7,520,000 | 6,270 |
| Average total loans | $35,439,000 | 6,396 |