Home > Farmers and Merchants State Bank of Bushnell > Performance and Condition Ratios
Farmers and Merchants State Bank of Bushnell, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,407 |
| Cost of funding earning assets | 0.3838% | 4,402 |
| Net interest margin | 3.3402% | 2,252 |
| Noninterest income to average assets | 1.0800% | 495 |
| Noninterest expense to average assets | 2.3534% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3930% | 1,069 |
| Return on assets (ROA) | 1.3930% | 1,074 |
| Pretax return on assets | 1.8861% | 729 |
| Return on Equity (ROE) | 21.8200% | 351 |
| Retained earnings to average equity (ytd only) | 21.8157% | 144 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.5102% | 3,642 |
| Assets per employee ($millions) | 5.2896% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 3,933 |
| Loan loss allowance to noncurrent loans | 877.7778% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,428 |
| Noncurrent loans to loans | 0.0915% | 3,152 |
| Net loans and leases to total assets | 43.4100% | 3,910 |
| Net loans and leases to deposits | 46.7602% | 4,020 |
| Net loans and leases to core deposits | 46.9305% | 4,141 |
| Total domestic deposits to total assets | 92.8300% | 208 |
| Equity capital to assets | 6.6968% | 4,024 |
| Core capital (leverage) ratio | 8.8782% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8273% | 712 |
| Memoranda: | ||
| Average total assets | $92,463,500 | 3,888 |
| Average earning assets | $87,540,000 | 3,849 |
| Average equity | $5,904,000 | 4,204 |
| Average total loans | $40,241,500 | 3,998 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 4,425 |
| Cost of funding earning assets | 0.1965% | 4,443 |
| Net interest margin | 3.2264% | 2,808 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 2.3656% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2462% | 1,544 |
| Return on assets (ROA) | 1.2324% | 1,550 |
| Pretax return on assets | 1.6571% | 1,140 |
| Return on Equity (ROE) | 21.6300% | 486 |
| Retained earnings to average equity (ytd only) | 10.1329% | 984 |
| Net charge-offs to loans | 0.0078% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 511.3333% | 288 |
| Efficiency ratio | 58.5517% | 3,238 |
| Assets per employee ($millions) | 5.5885% | 3,170 |
| Cash dividends to net income (ytd only)* | 53.1444% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,030 |
| Loan loss allowance to noncurrent loans | 877.7778% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,369 |
| Noncurrent loans to loans | 0.0875% | 3,104 |
| Net loans and leases to total assets | 42.9600% | 3,938 |
| Net loans and leases to deposits | 45.9020% | 4,051 |
| Net loans and leases to core deposits | 46.0574% | 4,158 |
| Total domestic deposits to total assets | 93.6000% | 131 |
| Equity capital to assets | 6.0903% | 4,217 |
| Core capital (leverage) ratio | 8.5500% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5397% | 836 |
| Memoranda: | ||
| Average total assets | $91,606,400 | 3,904 |
| Average earning assets | $86,505,600 | 3,864 |
| Average equity | $5,220,600 | 4,240 |
| Average total loans | $38,355,800 | 4,018 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3542% | 4,431 |
| Cost of funding earning assets | 0.1804% | 4,456 |
| Net interest margin | 3.1738% | 2,977 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 2.3094% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2291% | 1,703 |
| Return on assets (ROA) | 1.2105% | 1,755 |
| Pretax return on assets | 1.6263% | 1,303 |
| Return on Equity (ROE) | 21.6300% | 591 |
| Retained earnings to average equity (ytd only) | 13.7550% | 706 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3302% | 3,165 |
| Assets per employee ($millions) | 5.9961% | 2,763 |
| Cash dividends to net income (ytd only)* | 36.4078% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 3,934 |
| Loan loss allowance to noncurrent loans | 797.5000% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,361 |
| Noncurrent loans to loans | 0.1032% | 3,057 |
| Net loans and leases to total assets | 42.7200% | 3,963 |
| Net loans and leases to deposits | 45.4016% | 4,069 |
| Net loans and leases to core deposits | 45.4016% | 4,143 |
| Total domestic deposits to total assets | 94.1000% | 182 |
| Equity capital to assets | 5.7048% | 4,083 |
| Core capital (leverage) ratio | 8.6403% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7125% | 732 |
| Memoranda: | ||
| Average total assets | $90,757,000 | 3,924 |
| Average earning assets | $85,741,500 | 3,888 |
| Average equity | $5,079,250 | 4,268 |
| Average total loans | $37,661,500 | 4,042 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 4,477 |
| Cost of funding earning assets | 0.1600% | 4,465 |
| Net interest margin | 3.0994% | 3,228 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 2.3553% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2318% | 1,745 |
| Return on assets (ROA) | 1.2040% | 1,811 |
| Pretax return on assets | 1.6171% | 1,378 |
| Return on Equity (ROE) | 21.6500% | 568 |
| Retained earnings to average equity (ytd only) | 17.7005% | 353 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.7719% | 3,100 |
| Assets per employee ($millions) | 5.9164% | 2,785 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,867 |
| Loan loss allowance to noncurrent loans | 839.4737% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,349 |
| Noncurrent loans to loans | 0.1030% | 2,975 |
| Net loans and leases to total assets | 41.2000% | 3,996 |
| Net loans and leases to deposits | 43.8275% | 4,110 |
| Net loans and leases to core deposits | 43.8275% | 4,183 |
| Total domestic deposits to total assets | 94.0000% | 153 |
| Equity capital to assets | 5.9236% | 4,182 |
| Core capital (leverage) ratio | 8.6017% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7323% | 657 |
| Memoranda: | ||
| Average total assets | $91,028,667 | 3,930 |
| Average earning assets | $86,274,667 | 3,893 |
| Average equity | $5,062,000 | 4,291 |
| Average total loans | $37,300,000 | 4,057 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 4,493 |
| Cost of funding earning assets | 0.1191% | 4,510 |
| Net interest margin | 3.0738% | 3,412 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 2.3001% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2325% | 1,843 |
| Return on assets (ROA) | 1.2325% | 1,814 |
| Pretax return on assets | 1.6621% | 1,351 |
| Return on Equity (ROE) | 22.8800% | 515 |
| Retained earnings to average equity (ytd only) | 14.8253% | 821 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.0504% | 3,188 |
| Assets per employee ($millions) | 5.3636% | 3,354 |
| Cash dividends to net income (ytd only)* | 35.2113% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 3,872 |
| Loan loss allowance to noncurrent loans | 817.9487% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,354 |
| Noncurrent loans to loans | 0.1092% | 2,981 |
| Net loans and leases to total assets | 38.8000% | 4,089 |
| Net loans and leases to deposits | 41.2707% | 4,188 |
| Net loans and leases to core deposits | 41.2707% | 4,236 |
| Total domestic deposits to total assets | 94.0200% | 166 |
| Equity capital to assets | 5.6755% | 4,302 |
| Core capital (leverage) ratio | 7.9728% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8408% | 676 |
| Memoranda: | ||
| Average total assets | $92,170,000 | 3,973 |
| Average earning assets | $87,317,500 | 3,939 |
| Average equity | $4,964,500 | 4,352 |
| Average total loans | $37,510,500 | 4,112 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6593% | 4,430 |
| Cost of funding earning assets | 0.0827% | 4,466 |
| Net interest margin | 2.5766% | 4,203 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.2298% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9024% | 2,949 |
| Return on assets (ROA) | 0.8947% | 2,918 |
| Pretax return on assets | 1.1923% | 2,464 |
| Return on Equity (ROE) | 15.6300% | 1,116 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,918 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.9765% | 2,366 |
| Assets per employee ($millions) | 4.9031% | 3,744 |
| Cash dividends to net income (ytd only)* | 66.0264% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,103 |
| Loan loss allowance to noncurrent loans | 771.7949% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,384 |
| Noncurrent loans to loans | 0.0992% | 3,056 |
| Net loans and leases to total assets | 41.8900% | 3,987 |
| Net loans and leases to deposits | 44.2303% | 4,107 |
| Net loans and leases to core deposits | 44.2303% | 4,169 |
| Total domestic deposits to total assets | 94.7000% | 173 |
| Equity capital to assets | 5.1031% | 4,341 |
| Core capital (leverage) ratio | 7.7523% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3704% | 915 |
| Memoranda: | ||
| Average total assets | $93,100,800 | 3,984 |
| Average earning assets | $88,257,400 | 3,948 |
| Average equity | $5,329,200 | 4,399 |
| Average total loans | $37,041,000 | 4,118 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4964% | 4,445 |
| Cost of funding earning assets | 0.0846% | 4,386 |
| Net interest margin | 2.4119% | 4,310 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.2301% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7650% | 3,371 |
| Return on assets (ROA) | 0.7548% | 3,355 |
| Pretax return on assets | 0.9983% | 3,015 |
| Return on Equity (ROE) | 12.8400% | 1,759 |
| Retained earnings to average equity (ytd only) | 4.3120% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.8025% | 1,913 |
| Assets per employee ($millions) | 4.8676% | 3,791 |
| Cash dividends to net income (ytd only)* | 66.4137% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 4,101 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 40.8600% | 4,039 |
| Net loans and leases to deposits | 42.9780% | 4,149 |
| Net loans and leases to core deposits | 42.9780% | 4,199 |
| Total domestic deposits to total assets | 95.0600% | 212 |
| Equity capital to assets | 4.8635% | 4,316 |
| Core capital (leverage) ratio | 7.6141% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5949% | 908 |
| Memoranda: | ||
| Average total assets | $93,086,250 | 4,012 |
| Average earning assets | $88,283,750 | 3,972 |
| Average equity | $5,473,000 | 4,419 |
| Average total loans | $36,471,000 | 4,148 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3538% | 4,489 |
| Cost of funding earning assets | 0.0835% | 4,339 |
| Net interest margin | 2.2703% | 4,361 |
| Noninterest income to average assets | 1.0098% | 648 |
| Noninterest expense to average assets | 2.2147% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7204% | 3,240 |
| Return on assets (ROA) | 0.7204% | 3,189 |
| Pretax return on assets | 0.9519% | 2,892 |
| Return on Equity (ROE) | 11.5902% | 1,798 |
| Retained earnings to average equity (ytd only) | 8.1407% | 1,568 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9391% | 1,967 |
| Assets per employee ($millions) | 4.9077% | 3,753 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 4,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 37.8558% | 4,174 |
| Net loans and leases to deposits | 39.9378% | 4,269 |
| Net loans and leases to core deposits | 39.9378% | 4,322 |
| Total domestic deposits to total assets | 94.7869% | 165 |
| Equity capital to assets | 5.1852% | 4,434 |
| Core capital (leverage) ratio | 7.5770% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5215% | 657 |
| Memoranda: | ||
| Average total assets | $93,287,000 | 4,052 |
| Average earning assets | $88,621,667 | 4,025 |
| Average equity | $5,798,000 | 4,436 |
| Average total loans | $35,932,000 | 4,212 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2454% | 4,504 |
| Cost of funding earning assets | 0.0857% | 4,296 |
| Net interest margin | 2.1598% | 4,387 |
| Noninterest income to average assets | 0.9988% | 680 |
| Noninterest expense to average assets | 2.2035% | 2,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6430% | 3,254 |
| Return on assets (ROA) | 0.6430% | 3,236 |
| Pretax return on assets | 0.8488% | 2,948 |
| Return on Equity (ROE) | 9.5549% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.5549% | 1,131 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1910% | 1,951 |
| Assets per employee ($millions) | 5.0841% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.1999% | 4,198 |
| Net loans and leases to deposits | 38.5884% | 4,298 |
| Net loans and leases to core deposits | 38.5884% | 4,351 |
| Total domestic deposits to total assets | 93.8104% | 131 |
| Equity capital to assets | 5.9733% | 4,592 |
| Core capital (leverage) ratio | 7.5059% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5203% | 694 |
| Memoranda: | ||
| Average total assets | $93,307,500 | 4,068 |
| Average earning assets | $88,713,500 | 4,036 |
| Average equity | $6,279,500 | 4,437 |
| Average total loans | $36,099,000 | 4,229 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7877% | 4,219 |
| Cost of funding earning assets | 0.0898% | 4,459 |
| Net interest margin | 2.6979% | 3,875 |
| Noninterest income to average assets | 0.9739% | 1,053 |
| Noninterest expense to average assets | 2.4844% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7892% | 3,364 |
| Return on assets (ROA) | 0.7946% | 3,418 |
| Pretax return on assets | 1.0698% | 3,064 |
| Return on Equity (ROE) | 10.3794% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.3355% | 1,089 |
| Net charge-offs to loans | 0.0274% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 93.1000% | 909 |
| Efficiency ratio | 70.0354% | 1,726 |
| Assets per employee ($millions) | 4.5009% | 4,114 |
| Cash dividends to net income (ytd only)* | 10.0575% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 4,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 40.6896% | 4,050 |
| Net loans and leases to deposits | 44.0887% | 4,174 |
| Net loans and leases to core deposits | 44.0887% | 4,264 |
| Total domestic deposits to total assets | 92.2904% | 118 |
| Equity capital to assets | 7.5418% | 4,577 |
| Core capital (leverage) ratio | 7.7725% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4187% | 832 |
| Memoranda: | ||
| Average total assets | $87,587,200 | 4,125 |
| Average earning assets | $83,545,000 | 4,084 |
| Average equity | $6,705,600 | 4,458 |
| Average total loans | $36,522,000 | 4,258 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9292% | 4,120 |
| Cost of funding earning assets | 0.0916% | 4,565 |
| Net interest margin | 2.8376% | 3,691 |
| Noninterest income to average assets | 0.9182% | 1,223 |
| Noninterest expense to average assets | 2.4940% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8358% | 3,430 |
| Return on assets (ROA) | 0.8431% | 3,470 |
| Pretax return on assets | 1.1389% | 3,106 |
| Return on Equity (ROE) | 10.9700% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.5738% | 1,459 |
| Net charge-offs to loans | 0.0366% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 73.7000% | 1,029 |
| Efficiency ratio | 68.8240% | 1,725 |
| Assets per employee ($millions) | 4.3257% | 4,247 |
| Cash dividends to net income (ytd only)* | 12.7273% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 40.7222% | 4,170 |
| Net loans and leases to deposits | 44.2627% | 4,299 |
| Net loans and leases to core deposits | 44.2627% | 4,371 |
| Total domestic deposits to total assets | 92.0012% | 127 |
| Equity capital to assets | 7.9479% | 4,547 |
| Core capital (leverage) ratio | 7.6775% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1198% | 795 |
| Memoranda: | ||
| Average total assets | $86,979,500 | 4,179 |
| Average earning assets | $82,933,250 | 4,144 |
| Average equity | $6,684,750 | 4,522 |
| Average total loans | $36,419,500 | 4,317 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1762% | 3,714 |
| Cost of funding earning assets | 0.0892% | 4,643 |
| Net interest margin | 3.0870% | 3,071 |
| Noninterest income to average assets | 0.9962% | 1,078 |
| Noninterest expense to average assets | 2.5363% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0266% | 2,802 |
| Return on assets (ROA) | 1.0375% | 2,844 |
| Pretax return on assets | 1.4116% | 2,295 |
| Return on Equity (ROE) | 13.6535% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.5390% | 1,006 |
| Net charge-offs to loans | 0.0545% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 60.9000% | 965 |
| Efficiency ratio | 64.4691% | 2,365 |
| Assets per employee ($millions) | 4.5791% | 4,041 |
| Cash dividends to net income (ytd only)* | 15.4867% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 4,314 |
| Loan loss allowance to noncurrent loans | 2,745.4545% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,211 |
| Noncurrent loans to loans | 0.0304% | 4,053 |
| Net loans and leases to total assets | 41.2830% | 4,223 |
| Net loans and leases to deposits | 44.8525% | 4,356 |
| Net loans and leases to core deposits | 44.8525% | 4,436 |
| Total domestic deposits to total assets | 92.0416% | 118 |
| Equity capital to assets | 7.7159% | 4,668 |
| Core capital (leverage) ratio | 7.6932% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4587% | 761 |
| Memoranda: | ||
| Average total assets | $87,135,000 | 4,203 |
| Average earning assets | $82,929,000 | 4,171 |
| Average equity | $6,621,000 | 4,559 |
| Average total loans | $36,715,000 | 4,341 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4762% | 4,659 |
| Cost of funding earning assets | 0.0871% | 4,712 |
| Net interest margin | 2.3891% | 4,425 |
| Noninterest income to average assets | 1.8440% | 422 |
| Noninterest expense to average assets | 2.5183% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1651% | 2,277 |
| Return on assets (ROA) | 1.1651% | 2,349 |
| Pretax return on assets | 1.5917% | 1,749 |
| Return on Equity (ROE) | 15.4525% | 1,125 |
| Retained earnings to average equity (ytd only) | 15.4525% | 582 |
| Net charge-offs to loans | 0.1082% | 646 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 34.7000% | 1,034 |
| Efficiency ratio | 61.2723% | 2,868 |
| Assets per employee ($millions) | 4.3914% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 40.2207% | 4,329 |
| Net loans and leases to deposits | 43.5740% | 4,438 |
| Net loans and leases to core deposits | 43.5740% | 4,512 |
| Total domestic deposits to total assets | 92.3043% | 94 |
| Equity capital to assets | 7.3849% | 4,748 |
| Core capital (leverage) ratio | 7.5640% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9508% | 1,299 |
| Memoranda: | ||
| Average total assets | $87,201,500 | 4,222 |
| Average earning assets | $82,708,000 | 4,183 |
| Average equity | $6,575,000 | 4,575 |
| Average total loans | $36,963,000 | 4,355 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0314% | 4,613 |
| Cost of funding earning assets | 0.1123% | 4,836 |
| Net interest margin | 2.9191% | 4,077 |
| Noninterest income to average assets | 1.2680% | 705 |
| Noninterest expense to average assets | 2.7520% | 2,073 |
| Loan and lease loss provision to assets | 0.0511% | 3,739 |
| Net operating income to assets | 0.8923% | 2,729 |
| Return on assets (ROA) | 0.9024% | 2,821 |
| Pretax return on assets | 1.2348% | 2,209 |
| Return on Equity (ROE) | 10.3897% | 1,852 |
| Retained earnings to average equity (ytd only) | -1.0301% | 4,640 |
| Net charge-offs to loans | 0.0296% | 2,437 |
| Credit loss provision to net charge-offs | 363.6364% | 1,547 |
| Earnings coverage of net charge-offs (x) | 90.5455% | 837 |
| Efficiency ratio | 68.3709% | 2,184 |
| Assets per employee ($millions) | 4.3288% | 4,088 |
| Cash dividends to net income (ytd only)* | 109.9150% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,368 |
| Loan loss allowance to noncurrent loans | 2,872.7273% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,351 |
| Noncurrent loans to loans | 0.0287% | 4,199 |
| Net loans and leases to total assets | 43.8753% | 4,253 |
| Net loans and leases to deposits | 47.7163% | 4,402 |
| Net loans and leases to core deposits | 47.9379% | 4,487 |
| Total domestic deposits to total assets | 91.9503% | 77 |
| Equity capital to assets | 7.6974% | 4,803 |
| Core capital (leverage) ratio | 7.7186% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0754% | 1,245 |
| Memoranda: | ||
| Average total assets | $78,234,200 | 4,262 |
| Average earning assets | $73,893,200 | 4,235 |
| Average equity | $6,795,200 | 4,549 |
| Average total loans | $37,155,800 | 4,372 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1504% | 4,632 |
| Cost of funding earning assets | 0.1205% | 4,879 |
| Net interest margin | 3.0299% | 3,906 |
| Noninterest income to average assets | 1.3254% | 619 |
| Noninterest expense to average assets | 2.8277% | 1,890 |
| Loan and lease loss provision to assets | 0.0525% | 3,697 |
| Net operating income to assets | 0.9509% | 2,517 |
| Return on assets (ROA) | 0.9648% | 2,601 |
| Pretax return on assets | 1.3237% | 1,960 |
| Return on Equity (ROE) | 10.7593% | 1,756 |
| Retained earnings to average equity (ytd only) | 7.0492% | 1,668 |
| Net charge-offs to loans | 0.0362% | 2,110 |
| Credit loss provision to net charge-offs | 300.0000% | 1,756 |
| Earnings coverage of net charge-offs (x) | 77.6000% | 940 |
| Efficiency ratio | 67.5450% | 2,242 |
| Assets per employee ($millions) | 3.7291% | 4,536 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,369 |
| Loan loss allowance to noncurrent loans | 2,541.6667% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,410 |
| Noncurrent loans to loans | 0.0313% | 4,271 |
| Net loans and leases to total assets | 48.6202% | 4,178 |
| Net loans and leases to deposits | 53.6797% | 4,346 |
| Net loans and leases to core deposits | 53.9596% | 4,449 |
| Total domestic deposits to total assets | 90.5748% | 264 |
| Equity capital to assets | 9.0996% | 4,034 |
| Core capital (leverage) ratio | 8.7396% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5322% | 967 |
| Memoranda: | ||
| Average total assets | $76,149,000 | 4,299 |
| Average earning assets | $71,904,750 | 4,280 |
| Average equity | $6,828,000 | 4,568 |
| Average total loans | $36,869,500 | 4,400 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 4,706 |
| Cost of funding earning assets | 0.1288% | 4,926 |
| Net interest margin | 3.0894% | 3,923 |
| Noninterest income to average assets | 1.5962% | 408 |
| Noninterest expense to average assets | 2.8689% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1988% | 1,641 |
| Return on assets (ROA) | 1.2197% | 1,709 |
| Pretax return on assets | 1.6784% | 1,039 |
| Return on Equity (ROE) | 13.6728% | 942 |
| Retained earnings to average equity (ytd only) | 8.0254% | 1,296 |
| Net charge-offs to loans | 0.0550% | 1,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 62.3000% | 940 |
| Efficiency ratio | 63.4604% | 2,889 |
| Assets per employee ($millions) | 3.7023% | 4,545 |
| Cash dividends to net income (ytd only)* | 41.3043% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,476 |
| Loan loss allowance to noncurrent loans | 2,291.6667% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,487 |
| Noncurrent loans to loans | 0.0325% | 4,351 |
| Net loans and leases to total assets | 47.1389% | 4,305 |
| Net loans and leases to deposits | 52.0700% | 4,448 |
| Net loans and leases to core deposits | 52.3437% | 4,550 |
| Total domestic deposits to total assets | 90.5298% | 268 |
| Equity capital to assets | 9.0393% | 4,061 |
| Core capital (leverage) ratio | 8.8375% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2407% | 876 |
| Memoranda: | ||
| Average total assets | $75,428,333 | 4,315 |
| Average earning assets | $71,405,000 | 4,282 |
| Average equity | $6,728,667 | 4,601 |
| Average total loans | $36,366,000 | 4,421 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 4,716 |
| Cost of funding earning assets | 0.1363% | 4,994 |
| Net interest margin | 3.2882% | 3,617 |
| Noninterest income to average assets | 0.8725% | 1,124 |
| Noninterest expense to average assets | 2.9353% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7707% | 3,019 |
| Return on assets (ROA) | 0.8133% | 2,951 |
| Pretax return on assets | 1.1095% | 2,486 |
| Return on Equity (ROE) | 9.1807% | 2,037 |
| Retained earnings to average equity (ytd only) | 4.6208% | 2,449 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5493% | 1,880 |
| Assets per employee ($millions) | 3.5500% | 4,441 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,421 |
| Loan loss allowance to noncurrent loans | 2,192.3077% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,547 |
| Noncurrent loans to loans | 0.0364% | 4,414 |
| Net loans and leases to total assets | 47.5299% | 4,363 |
| Net loans and leases to deposits | 52.5119% | 4,500 |
| Net loans and leases to core deposits | 52.7991% | 4,607 |
| Total domestic deposits to total assets | 90.5125% | 193 |
| Equity capital to assets | 9.0529% | 4,568 |
| Core capital (leverage) ratio | 8.7700% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7780% | 1,176 |
| Memoranda: | ||
| Average total assets | $74,268,000 | 4,340 |
| Average earning assets | $70,433,000 | 4,307 |
| Average equity | $6,579,000 | 4,652 |
| Average total loans | $36,086,500 | 4,449 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 4,778 |
| Cost of funding earning assets | 0.1362% | 5,062 |
| Net interest margin | 3.4621% | 3,558 |
| Noninterest income to average assets | 1.1263% | 743 |
| Noninterest expense to average assets | 3.1275% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9471% | 3,024 |
| Return on assets (ROA) | 0.9493% | 3,104 |
| Pretax return on assets | 1.2850% | 2,556 |
| Return on Equity (ROE) | 10.5632% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.7502% | 3,664 |
| Net charge-offs to loans | 0.0310% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 771 |
| Efficiency ratio | 70.9236% | 2,034 |
| Assets per employee ($millions) | 3.5231% | 4,460 |
| Cash dividends to net income (ytd only)* | 73.9645% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 4,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.8829% | 4,377 |
| Net loans and leases to deposits | 53.6412% | 4,546 |
| Net loans and leases to core deposits | 53.9348% | 4,651 |
| Total domestic deposits to total assets | 91.1293% | 103 |
| Equity capital to assets | 8.6626% | 4,846 |
| Core capital (leverage) ratio | 8.9690% | 4,552 |
| Tier 1 risk-based capital ratio | 17.1422% | 2,013 |
| Total risk-based capital ratio | 17.9550% | 2,087 |
| Memoranda: | ||
| Average total assets | $71,207,400 | 4,412 |
| Average earning assets | $67,530,400 | 4,380 |
| Average equity | $6,399,600 | 4,708 |
| Average total loans | $35,491,400 | 4,517 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,862 |
| Cost of funding earning assets | 0.1379% | 5,137 |
| Net interest margin | 3.4883% | 3,597 |
| Noninterest income to average assets | 1.1043% | 751 |
| Noninterest expense to average assets | 3.1634% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9212% | 3,271 |
| Return on assets (ROA) | 0.9227% | 3,339 |
| Pretax return on assets | 1.2423% | 2,840 |
| Return on Equity (ROE) | 10.1708% | 2,364 |
| Retained earnings to average equity (ytd only) | 10.1708% | 714 |
| Net charge-offs to loans | 0.0605% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 41.0052% | 1,356 |
| Efficiency ratio | 71.8334% | 1,866 |
| Assets per employee ($millions) | 3.1586% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 4,313 |
| Loan loss allowance to noncurrent loans | 5,640.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,732 |
| Noncurrent loans to loans | 0.0147% | 4,611 |
| Net loans and leases to total assets | 48.5451% | 4,494 |
| Net loans and leases to deposits | 53.8529% | 4,641 |
| Net loans and leases to core deposits | 54.1703% | 4,739 |
| Total domestic deposits to total assets | 90.1439% | 249 |
| Equity capital to assets | 9.7223% | 4,274 |
| Core capital (leverage) ratio | 9.7505% | 3,911 |
| Tier 1 risk-based capital ratio | 18.6953% | 1,641 |
| Total risk-based capital ratio | 19.5259% | 1,708 |
| Memoranda: | ||
| Average total assets | $70,513,000 | 4,477 |
| Average earning assets | $66,698,000 | 4,447 |
| Average equity | $6,397,250 | 4,771 |
| Average total loans | $35,250,750 | 4,587 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,905 |
| Cost of funding earning assets | 0.1372% | 5,185 |
| Net interest margin | 3.4954% | 3,612 |
| Noninterest income to average assets | 1.2420% | 558 |
| Noninterest expense to average assets | 3.1699% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0218% | 2,837 |
| Return on assets (ROA) | 1.0218% | 2,919 |
| Pretax return on assets | 1.3803% | 2,257 |
| Return on Equity (ROE) | 11.5329% | 1,767 |
| Retained earnings to average equity (ytd only) | 11.5329% | 474 |
| Net charge-offs to loans | 0.0897% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 30.5625% | 1,445 |
| Efficiency ratio | 69.6650% | 2,280 |
| Assets per employee ($millions) | 3.1388% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,383 |
| Loan loss allowance to noncurrent loans | 4,716.6667% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,761 |
| Noncurrent loans to loans | 0.0173% | 4,638 |
| Net loans and leases to total assets | 49.8190% | 4,479 |
| Net loans and leases to deposits | 55.0837% | 4,627 |
| Net loans and leases to core deposits | 55.4093% | 4,732 |
| Total domestic deposits to total assets | 90.4423% | 203 |
| Equity capital to assets | 9.5201% | 4,386 |
| Core capital (leverage) ratio | 9.5122% | 4,129 |
| Tier 1 risk-based capital ratio | 17.2183% | 2,024 |
| Total risk-based capital ratio | 17.9982% | 2,104 |
| Memoranda: | ||
| Average total assets | $70,854,000 | 4,504 |
| Average earning assets | $67,058,670 | 4,477 |
| Average equity | $6,277,670 | 4,815 |
| Average total loans | $35,662,330 | 4,600 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6360% | 4,924 |
| Cost of funding earning assets | 0.1355% | 5,230 |
| Net interest margin | 3.5005% | 3,591 |
| Noninterest income to average assets | 1.2933% | 508 |
| Noninterest expense to average assets | 3.0660% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1372% | 2,321 |
| Return on assets (ROA) | 1.1372% | 2,367 |
| Pretax return on assets | 1.5386% | 1,647 |
| Return on Equity (ROE) | 13.3127% | 1,132 |
| Retained earnings to average equity (ytd only) | 13.3127% | 427 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5860% | 2,855 |
| Assets per employee ($millions) | 3.4747% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 4,368 |
| Loan loss allowance to noncurrent loans | 1,295.6522% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,683 |
| Noncurrent loans to loans | 0.0652% | 4,471 |
| Net loans and leases to total assets | 47.9450% | 4,589 |
| Net loans and leases to deposits | 52.6692% | 4,725 |
| Net loans and leases to core deposits | 52.9610% | 4,812 |
| Total domestic deposits to total assets | 91.0304% | 166 |
| Equity capital to assets | 8.6311% | 4,912 |
| Core capital (leverage) ratio | 8.9747% | 4,669 |
| Tier 1 risk-based capital ratio | 16.4723% | 2,277 |
| Total risk-based capital ratio | 17.2784% | 2,374 |
| Memoranda: | ||
| Average total assets | $71,754,000 | 4,538 |
| Average earning assets | $67,876,000 | 4,514 |
| Average equity | $6,129,500 | 4,875 |
| Average total loans | $36,151,000 | 4,636 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4821% | 4,934 |
| Cost of funding earning assets | 0.1530% | 5,164 |
| Net interest margin | 3.3291% | 4,185 |
| Noninterest income to average assets | 1.1291% | 723 |
| Noninterest expense to average assets | 2.9745% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9608% | 3,177 |
| Return on assets (ROA) | 0.9552% | 3,197 |
| Pretax return on assets | 1.2845% | 2,560 |
| Return on Equity (ROE) | 11.3366% | 1,964 |
| Retained earnings to average equity (ytd only) | 2.7000% | 4,051 |
| Net charge-offs to loans | -0.0252% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7251% | 2,235 |
| Assets per employee ($millions) | 3.2063% | 4,828 |
| Cash dividends to net income (ytd only)* | 76.1834% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,208.0000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,668 |
| Noncurrent loans to loans | 0.0675% | 4,449 |
| Net loans and leases to total assets | 52.0521% | 4,409 |
| Net loans and leases to deposits | 57.0228% | 4,615 |
| Net loans and leases to core deposits | 57.3488% | 4,726 |
| Total domestic deposits to total assets | 91.2828% | 151 |
| Equity capital to assets | 8.4506% | 4,965 |
| Core capital (leverage) ratio | 8.8791% | 4,752 |
| Tier 1 risk-based capital ratio | 14.9383% | 2,855 |
| Total risk-based capital ratio | 15.6936% | 2,999 |
| Memoranda: | ||
| Average total assets | $70,767,200 | 4,571 |
| Average earning assets | $66,684,000 | 4,545 |
| Average equity | $5,963,000 | 4,907 |
| Average total loans | $35,711,200 | 4,669 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 4,994 |
| Cost of funding earning assets | 0.1538% | 5,209 |
| Net interest margin | 3.2862% | 4,315 |
| Noninterest income to average assets | 1.0900% | 791 |
| Noninterest expense to average assets | 2.9782% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8998% | 3,531 |
| Return on assets (ROA) | 0.8923% | 3,575 |
| Pretax return on assets | 1.1992% | 2,985 |
| Return on Equity (ROE) | 10.5975% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.1259% | 2,595 |
| Net charge-offs to loans | -0.0339% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1331% | 2,016 |
| Assets per employee ($millions) | 3.1810% | 4,901 |
| Cash dividends to net income (ytd only)* | 42.1944% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,509 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,800 |
| Noncurrent loans to loans | 0.0726% | 4,550 |
| Net loans and leases to total assets | 50.7680% | 4,542 |
| Net loans and leases to deposits | 55.5888% | 4,771 |
| Net loans and leases to core deposits | 55.9089% | 4,847 |
| Total domestic deposits to total assets | 91.3279% | 161 |
| Equity capital to assets | 8.5106% | 4,914 |
| Core capital (leverage) ratio | 9.0425% | 4,667 |
| Tier 1 risk-based capital ratio | 16.3177% | 2,329 |
| Total risk-based capital ratio | 17.1277% | 2,426 |
| Memoranda: | ||
| Average total assets | $70,824,250 | 4,616 |
| Average earning assets | $66,742,500 | 4,595 |
| Average equity | $5,963,500 | 4,955 |
| Average total loans | $35,384,250 | 4,727 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3540% | 5,087 |
| Cost of funding earning assets | 0.1577% | 5,212 |
| Net interest margin | 3.1963% | 4,513 |
| Noninterest income to average assets | 1.2010% | 667 |
| Noninterest expense to average assets | 2.9590% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9393% | 3,278 |
| Return on assets (ROA) | 0.9282% | 3,331 |
| Pretax return on assets | 1.2489% | 2,729 |
| Return on Equity (ROE) | 11.0627% | 2,085 |
| Retained earnings to average equity (ytd only) | 11.0627% | 656 |
| Net charge-offs to loans | -0.0397% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0866% | 2,299 |
| Assets per employee ($millions) | 3.2830% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,502 |
| Loan loss allowance to noncurrent loans | 1,057.1429% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,831 |
| Noncurrent loans to loans | 0.0816% | 4,544 |
| Net loans and leases to total assets | 47.1153% | 4,762 |
| Net loans and leases to deposits | 51.4741% | 4,930 |
| Net loans and leases to core deposits | 51.7606% | 5,000 |
| Total domestic deposits to total assets | 91.5320% | 146 |
| Equity capital to assets | 8.3863% | 5,027 |
| Core capital (leverage) ratio | 9.0730% | 4,616 |
| Tier 1 risk-based capital ratio | 17.2922% | 2,006 |
| Total risk-based capital ratio | 18.1375% | 2,085 |
| Memoranda: | ||
| Average total assets | $71,104,670 | 4,668 |
| Average earning assets | $67,202,670 | 4,639 |
| Average equity | $5,966,000 | 5,010 |
| Average total loans | $35,236,330 | 4,773 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,083 |
| Cost of funding earning assets | 0.1441% | 5,293 |
| Net interest margin | 3.1947% | 4,478 |
| Noninterest income to average assets | 1.1964% | 641 |
| Noninterest expense to average assets | 2.9258% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9526% | 3,066 |
| Return on assets (ROA) | 0.9526% | 3,085 |
| Pretax return on assets | 1.2871% | 2,417 |
| Return on Equity (ROE) | 11.3504% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.3504% | 815 |
| Net charge-offs to loans | -0.0112% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4482% | 2,589 |
| Assets per employee ($millions) | 3.2047% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,712 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,054 |
| Noncurrent loans to loans | 0.0285% | 4,851 |
| Net loans and leases to total assets | 49.3007% | 4,607 |
| Net loans and leases to deposits | 53.9091% | 4,800 |
| Net loans and leases to core deposits | 54.2161% | 4,906 |
| Total domestic deposits to total assets | 91.4515% | 195 |
| Equity capital to assets | 8.4463% | 5,017 |
| Core capital (leverage) ratio | 9.0271% | 4,654 |
| Tier 1 risk-based capital ratio | 16.6951% | 2,214 |
| Total risk-based capital ratio | 17.5165% | 2,319 |
| Memoranda: | ||
| Average total assets | $70,544,500 | 4,732 |
| Average earning assets | $66,611,000 | 4,704 |
| Average equity | $5,920,500 | 5,067 |
| Average total loans | $35,692,000 | 4,807 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 4,985 |
| Cost of funding earning assets | 0.1543% | 5,236 |
| Net interest margin | 3.2134% | 4,412 |
| Noninterest income to average assets | 1.0828% | 869 |
| Noninterest expense to average assets | 2.9614% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7808% | 3,245 |
| Return on assets (ROA) | 0.7827% | 3,277 |
| Pretax return on assets | 1.1437% | 3,006 |
| Return on Equity (ROE) | 9.5037% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.8638% | 1,132 |
| Net charge-offs to loans | 0.0057% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 393.5000% | 221 |
| Efficiency ratio | 72.1908% | 2,192 |
| Assets per employee ($millions) | 3.2084% | 5,022 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 4,828 |
| Loan loss allowance to noncurrent loans | 2,910.0000% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,085 |
| Noncurrent loans to loans | 0.0275% | 4,889 |
| Net loans and leases to total assets | 51.0647% | 4,588 |
| Net loans and leases to deposits | 55.7482% | 4,817 |
| Net loans and leases to core deposits | 56.0647% | 4,934 |
| Total domestic deposits to total assets | 91.5988% | 125 |
| Equity capital to assets | 8.3389% | 5,238 |
| Core capital (leverage) ratio | 8.6117% | 5,034 |
| Tier 1 risk-based capital ratio | 15.6125% | 2,580 |
| Total risk-based capital ratio | 16.3996% | 2,704 |
| Memoranda: | ||
| Average total assets | $68,988,600 | 4,793 |
| Average earning assets | $64,822,200 | 4,768 |
| Average equity | $5,682,000 | 5,150 |
| Average total loans | $34,941,800 | 4,872 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 5,101 |
| Cost of funding earning assets | 0.1552% | 5,283 |
| Net interest margin | 3.1585% | 4,560 |
| Noninterest income to average assets | 1.0633% | 903 |
| Noninterest expense to average assets | 2.9780% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6856% | 4,046 |
| Return on assets (ROA) | 0.6881% | 4,102 |
| Pretax return on assets | 1.0555% | 3,474 |
| Return on Equity (ROE) | 8.3820% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.1980% | 1,589 |
| Net charge-offs to loans | -0.0038% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9026% | 1,912 |
| Assets per employee ($millions) | 3.1428% | 5,129 |
| Cash dividends to net income (ytd only)* | 14.1253% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,806 |
| Loan loss allowance to noncurrent loans | 2,654.5455% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,177 |
| Noncurrent loans to loans | 0.0314% | 4,984 |
| Net loans and leases to total assets | 50.2741% | 4,680 |
| Net loans and leases to deposits | 55.1230% | 4,915 |
| Net loans and leases to core deposits | 55.4439% | 5,020 |
| Total domestic deposits to total assets | 91.2035% | 141 |
| Equity capital to assets | 8.4610% | 5,308 |
| Core capital (leverage) ratio | 8.7537% | 5,011 |
| Tier 1 risk-based capital ratio | 15.9507% | 2,531 |
| Total risk-based capital ratio | 16.7747% | 2,645 |
| Memoranda: | ||
| Average total assets | $68,589,500 | 4,851 |
| Average earning assets | $64,417,500 | 4,827 |
| Average equity | $5,631,000 | 5,212 |
| Average total loans | $34,593,500 | 4,929 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2925% | 5,117 |
| Cost of funding earning assets | 0.1590% | 5,278 |
| Net interest margin | 3.1335% | 4,592 |
| Noninterest income to average assets | 1.1256% | 786 |
| Noninterest expense to average assets | 2.9851% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7008% | 3,851 |
| Return on assets (ROA) | 0.7046% | 3,894 |
| Pretax return on assets | 1.0847% | 3,239 |
| Return on Equity (ROE) | 8.6722% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.8730% | 1,653 |
| Net charge-offs to loans | -0.0058% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4532% | 2,101 |
| Assets per employee ($millions) | 2.9348% | 5,327 |
| Cash dividends to net income (ytd only)* | 20.7469% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,813 |
| Loan loss allowance to noncurrent loans | 2,425.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,217 |
| Noncurrent loans to loans | 0.0351% | 5,015 |
| Net loans and leases to total assets | 50.2385% | 4,692 |
| Net loans and leases to deposits | 55.0334% | 4,905 |
| Net loans and leases to core deposits | 55.3613% | 5,028 |
| Total domestic deposits to total assets | 91.2874% | 157 |
| Equity capital to assets | 8.4741% | 5,321 |
| Core capital (leverage) ratio | 8.6563% | 5,083 |
| Tier 1 risk-based capital ratio | 15.8286% | 2,573 |
| Total risk-based capital ratio | 16.6648% | 2,680 |
| Memoranda: | ||
| Average total assets | $68,405,670 | 4,888 |
| Average earning assets | $64,146,330 | 4,863 |
| Average equity | $5,558,000 | 5,264 |
| Average total loans | $34,440,670 | 4,970 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 5,218 |
| Cost of funding earning assets | 0.1535% | 5,349 |
| Net interest margin | 3.0645% | 4,755 |
| Noninterest income to average assets | 1.0630% | 889 |
| Noninterest expense to average assets | 2.9277% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6680% | 3,844 |
| Return on assets (ROA) | 0.6680% | 3,885 |
| Pretax return on assets | 1.0340% | 3,220 |
| Return on Equity (ROE) | 8.3988% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.7471% | 3,041 |
| Net charge-offs to loans | -0.0116% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9003% | 2,249 |
| Assets per employee ($millions) | 3.0578% | 5,307 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,913 |
| Loan loss allowance to noncurrent loans | 2,207.6923% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,271 |
| Noncurrent loans to loans | 0.0386% | 5,044 |
| Net loans and leases to total assets | 47.4207% | 4,865 |
| Net loans and leases to deposits | 51.6885% | 5,046 |
| Net loans and leases to core deposits | 51.9826% | 5,143 |
| Total domestic deposits to total assets | 91.7432% | 138 |
| Equity capital to assets | 7.8501% | 5,585 |
| Core capital (leverage) ratio | 8.1581% | 5,473 |
| Tier 1 risk-based capital ratio | 15.7619% | 2,637 |
| Total risk-based capital ratio | 16.6106% | 2,743 |
| Memoranda: | ||
| Average total assets | $68,858,500 | 4,934 |
| Average earning assets | $65,134,000 | 4,903 |
| Average equity | $5,477,000 | 5,326 |
| Average total loans | $34,560,000 | 5,012 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 5,222 |
| Cost of funding earning assets | 0.1629% | 5,340 |
| Net interest margin | 3.0965% | 4,732 |
| Noninterest income to average assets | 1.1028% | 942 |
| Noninterest expense to average assets | 3.1368% | 1,937 |
| Loan and lease loss provision to assets | 0.0365% | 3,634 |
| Net operating income to assets | 0.5556% | 4,410 |
| Return on assets (ROA) | 0.5727% | 4,436 |
| Pretax return on assets | 0.8719% | 3,937 |
| Return on Equity (ROE) | 6.6460% | 3,669 |
| Retained earnings to average equity (ytd only) | -0.5817% | 5,395 |
| Net charge-offs to loans | 0.0418% | 3,194 |
| Credit loss provision to net charge-offs | 171.4286% | 1,618 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,148 |
| Efficiency ratio | 78.0423% | 1,690 |
| Assets per employee ($millions) | 3.0630% | 5,305 |
| Cash dividends to net income (ytd only)* | 108.7533% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 5,060 |
| Loan loss allowance to noncurrent loans | 2,071.4286% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,305 |
| Noncurrent loans to loans | 0.0395% | 5,098 |
| Net loans and leases to total assets | 52.2237% | 4,588 |
| Net loans and leases to deposits | 56.9911% | 4,856 |
| Net loans and leases to core deposits | 57.3290% | 5,001 |
| Total domestic deposits to total assets | 91.6349% | 143 |
| Equity capital to assets | 8.0624% | 5,533 |
| Core capital (leverage) ratio | 8.3027% | 5,435 |
| Tier 1 risk-based capital ratio | 14.9234% | 3,000 |
| Total risk-based capital ratio | 15.7335% | 3,134 |
| Memoranda: | ||
| Average total assets | $65,830,800 | 5,014 |
| Average earning assets | $62,006,000 | 4,979 |
| Average equity | $5,672,600 | 5,338 |
| Average total loans | $33,487,800 | 5,085 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2409% | 5,300 |
| Cost of funding earning assets | 0.1646% | 5,388 |
| Net interest margin | 3.0763% | 4,839 |
| Noninterest income to average assets | 1.0452% | 1,040 |
| Noninterest expense to average assets | 3.2089% | 1,754 |
| Loan and lease loss provision to assets | 0.0306% | 3,625 |
| Net operating income to assets | 0.4949% | 4,716 |
| Return on assets (ROA) | 0.5195% | 4,723 |
| Pretax return on assets | 0.7335% | 4,516 |
| Return on Equity (ROE) | 5.9309% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.9539% | 3,488 |
| Net charge-offs to loans | 0.0768% | 2,225 |
| Credit loss provision to net charge-offs | 78.9474% | 2,678 |
| Earnings coverage of net charge-offs (x) | 18.8441% | 1,973 |
| Efficiency ratio | 81.4796% | 1,251 |
| Assets per employee ($millions) | 2.9968% | 5,396 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 5,135 |
| Loan loss allowance to noncurrent loans | 769.4444% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 5,242 |
| Noncurrent loans to loans | 0.1065% | 4,915 |
| Net loans and leases to total assets | 50.8600% | 4,753 |
| Net loans and leases to deposits | 56.0661% | 4,988 |
| Net loans and leases to core deposits | 56.4094% | 5,128 |
| Total domestic deposits to total assets | 90.7144% | 272 |
| Equity capital to assets | 8.8533% | 5,283 |
| Core capital (leverage) ratio | 8.9652% | 4,865 |
| Tier 1 risk-based capital ratio | 16.1384% | 2,570 |
| Total risk-based capital ratio | 16.9475% | 2,688 |
| Memoranda: | ||
| Average total assets | $65,441,750 | 5,062 |
| Average earning assets | $61,545,000 | 5,030 |
| Average equity | $5,732,500 | 5,384 |
| Average total loans | $32,989,250 | 5,151 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 5,402 |
| Cost of funding earning assets | 0.1663% | 5,447 |
| Net interest margin | 3.0520% | 4,972 |
| Noninterest income to average assets | 1.1305% | 876 |
| Noninterest expense to average assets | 3.2537% | 1,687 |
| Loan and lease loss provision to assets | 0.0184% | 3,765 |
| Net operating income to assets | 0.5120% | 4,630 |
| Return on assets (ROA) | 0.5484% | 4,594 |
| Pretax return on assets | 0.7782% | 4,358 |
| Return on Equity (ROE) | 6.2833% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,246 |
| Net charge-offs to loans | 0.1162% | 1,672 |
| Credit loss provision to net charge-offs | 31.5789% | 2,845 |
| Earnings coverage of net charge-offs (x) | 12.7895% | 2,164 |
| Efficiency ratio | 81.3793% | 1,343 |
| Assets per employee ($millions) | 2.7871% | 5,616 |
| Cash dividends to net income (ytd only)* | 33.5196% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 5,264 |
| Loan loss allowance to noncurrent loans | 697.3684% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,320 |
| Noncurrent loans to loans | 0.1159% | 4,985 |
| Net loans and leases to total assets | 50.7433% | 4,790 |
| Net loans and leases to deposits | 56.0828% | 5,005 |
| Net loans and leases to core deposits | 56.4369% | 5,144 |
| Total domestic deposits to total assets | 90.4794% | 322 |
| Equity capital to assets | 9.0573% | 5,199 |
| Core capital (leverage) ratio | 8.8257% | 5,026 |
| Tier 1 risk-based capital ratio | 16.3498% | 2,484 |
| Total risk-based capital ratio | 17.1484% | 2,631 |
| Memoranda: | ||
| Average total assets | $65,279,000 | 5,118 |
| Average earning assets | $61,336,670 | 5,081 |
| Average equity | $5,697,670 | 5,444 |
| Average total loans | $32,716,000 | 5,207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1674% | 5,531 |
| Cost of funding earning assets | 0.1609% | 5,540 |
| Net interest margin | 3.0065% | 5,109 |
| Noninterest income to average assets | 0.9474% | 1,187 |
| Noninterest expense to average assets | 3.1214% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4676% | 4,748 |
| Return on assets (ROA) | 0.4676% | 4,840 |
| Pretax return on assets | 0.6619% | 4,644 |
| Return on Equity (ROE) | 5.4576% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.4576% | 2,682 |
| Net charge-offs to loans | -0.0122% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5040% | 1,329 |
| Assets per employee ($millions) | 2.8454% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,145 |
| Loan loss allowance to noncurrent loans | 288.6598% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,980 |
| Noncurrent loans to loans | 0.3022% | 4,344 |
| Net loans and leases to total assets | 48.6171% | 4,918 |
| Net loans and leases to deposits | 53.5225% | 5,129 |
| Net loans and leases to core deposits | 53.8523% | 5,263 |
| Total domestic deposits to total assets | 90.8349% | 318 |
| Equity capital to assets | 8.7327% | 5,397 |
| Core capital (leverage) ratio | 8.8558% | 5,020 |
| Tier 1 risk-based capital ratio | 17.0845% | 2,260 |
| Total risk-based capital ratio | 17.9700% | 2,336 |
| Memoranda: | ||
| Average total assets | $65,867,000 | 5,155 |
| Average earning assets | $62,132,500 | 5,115 |
| Average equity | $5,643,500 | 5,488 |
| Average total loans | $32,677,500 | 5,246 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 5,515 |
| Cost of funding earning assets | 0.1840% | 5,412 |
| Net interest margin | 3.0192% | 5,088 |
| Noninterest income to average assets | 1.0879% | 994 |
| Noninterest expense to average assets | 3.1708% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5306% | 4,582 |
| Return on assets (ROA) | 0.5306% | 4,658 |
| Pretax return on assets | 0.7589% | 4,341 |
| Return on Equity (ROE) | 5.9841% | 4,039 |
| Retained earnings to average equity (ytd only) | 1.1009% | 5,078 |
| Net charge-offs to loans | 0.0366% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 1,177 |
| Efficiency ratio | 80.6891% | 1,584 |
| Assets per employee ($millions) | 3.0132% | 5,511 |
| Cash dividends to net income (ytd only)* | 81.6024% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 5,278 |
| Loan loss allowance to noncurrent loans | 638.6364% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,373 |
| Noncurrent loans to loans | 0.1323% | 4,959 |
| Net loans and leases to total assets | 49.7466% | 4,893 |
| Net loans and leases to deposits | 54.5011% | 5,130 |
| Net loans and leases to core deposits | 54.8301% | 5,266 |
| Total domestic deposits to total assets | 91.2762% | 220 |
| Equity capital to assets | 8.4055% | 5,624 |
| Core capital (leverage) ratio | 8.7380% | 5,178 |
| Tier 1 risk-based capital ratio | 16.3271% | 2,555 |
| Total risk-based capital ratio | 17.1820% | 2,659 |
| Memoranda: | ||
| Average total assets | $63,516,800 | 5,232 |
| Average earning assets | $59,783,400 | 5,194 |
| Average equity | $5,631,600 | 5,519 |
| Average total loans | $32,768,000 | 5,267 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2089% | 5,571 |
| Cost of funding earning assets | 0.1893% | 5,469 |
| Net interest margin | 3.0196% | 5,150 |
| Noninterest income to average assets | 1.0993% | 998 |
| Noninterest expense to average assets | 3.2195% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5093% | 4,753 |
| Return on assets (ROA) | 0.5093% | 4,845 |
| Pretax return on assets | 0.7237% | 4,601 |
| Return on Equity (ROE) | 5.6671% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.6671% | 2,479 |
| Net charge-offs to loans | 0.0531% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.2354% | 1,621 |
| Efficiency ratio | 81.6469% | 1,443 |
| Assets per employee ($millions) | 2.9834% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 5,368 |
| Loan loss allowance to noncurrent loans | 1,254.5455% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,647 |
| Noncurrent loans to loans | 0.0678% | 5,344 |
| Net loans and leases to total assets | 51.3280% | 4,822 |
| Net loans and leases to deposits | 56.7351% | 5,087 |
| Net loans and leases to core deposits | 57.1007% | 5,251 |
| Total domestic deposits to total assets | 90.4696% | 396 |
| Equity capital to assets | 9.2335% | 5,074 |
| Core capital (leverage) ratio | 9.2569% | 4,654 |
| Tier 1 risk-based capital ratio | 17.2326% | 2,282 |
| Total risk-based capital ratio | 18.1044% | 2,384 |
| Memoranda: | ||
| Average total assets | $62,823,500 | 5,312 |
| Average earning assets | $59,167,250 | 5,269 |
| Average equity | $5,646,500 | 5,583 |
| Average total loans | $32,645,500 | 5,337 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 5,577 |
| Cost of funding earning assets | 0.1890% | 5,537 |
| Net interest margin | 3.0372% | 5,130 |
| Noninterest income to average assets | 1.1768% | 873 |
| Noninterest expense to average assets | 3.2347% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5630% | 4,508 |
| Return on assets (ROA) | 0.5630% | 4,612 |
| Pretax return on assets | 0.8047% | 4,298 |
| Return on Equity (ROE) | 6.3211% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.3211% | 2,052 |
| Net charge-offs to loans | 0.1039% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.8824% | 2,021 |
| Efficiency ratio | 80.0787% | 1,749 |
| Assets per employee ($millions) | 2.9655% | 5,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 5,518 |
| Loan loss allowance to noncurrent loans | 321.4286% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 5,318 |
| Noncurrent loans to loans | 0.2589% | 4,751 |
| Net loans and leases to total assets | 51.6748% | 4,783 |
| Net loans and leases to deposits | 57.0221% | 5,061 |
| Net loans and leases to core deposits | 57.3913% | 5,226 |
| Total domestic deposits to total assets | 90.6224% | 410 |
| Equity capital to assets | 9.1432% | 5,092 |
| Core capital (leverage) ratio | 9.1299% | 4,774 |
| Tier 1 risk-based capital ratio | 16.9383% | 2,429 |
| Total risk-based capital ratio | 17.7899% | 2,545 |
| Memoranda: | ||
| Average total assets | $62,880,670 | 5,376 |
| Average earning assets | $59,266,000 | 5,325 |
| Average equity | $5,600,330 | 5,644 |
| Average total loans | $32,716,000 | 5,383 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 5,708 |
| Cost of funding earning assets | 0.1876% | 5,622 |
| Net interest margin | 2.9744% | 5,284 |
| Noninterest income to average assets | 1.0319% | 1,050 |
| Noninterest expense to average assets | 3.1274% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5001% | 4,684 |
| Return on assets (ROA) | 0.5001% | 4,807 |
| Pretax return on assets | 0.7154% | 4,547 |
| Return on Equity (ROE) | 5.6901% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.6901% | 2,664 |
| Net charge-offs to loans | 0.1948% | 1,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.0625% | 2,214 |
| Efficiency ratio | 81.3839% | 1,705 |
| Assets per employee ($millions) | 2.8840% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 5,547 |
| Loan loss allowance to noncurrent loans | 553.0612% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 5,632 |
| Noncurrent loans to loans | 0.1548% | 5,222 |
| Net loans and leases to total assets | 49.4476% | 4,904 |
| Net loans and leases to deposits | 54.3593% | 5,168 |
| Net loans and leases to core deposits | 54.7033% | 5,330 |
| Total domestic deposits to total assets | 90.9644% | 382 |
| Equity capital to assets | 8.8433% | 5,450 |
| Core capital (leverage) ratio | 9.0153% | 4,932 |
| Tier 1 risk-based capital ratio | 16.7955% | 2,562 |
| Total risk-based capital ratio | 17.6633% | 2,667 |
| Memoranda: | ||
| Average total assets | $63,183,000 | 5,421 |
| Average earning assets | $59,709,000 | 5,359 |
| Average equity | $5,553,500 | 5,704 |
| Average total loans | $32,848,500 | 5,407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,402 |
| Cost of funding earning assets | 0.2286% | 5,536 |
| Net interest margin | 3.2388% | 4,799 |
| Noninterest income to average assets | 1.0702% | 1,059 |
| Noninterest expense to average assets | 3.1895% | 2,241 |
| Loan and lease loss provision to assets | 0.0649% | 3,209 |
| Net operating income to assets | 0.5951% | 4,396 |
| Return on assets (ROA) | 0.6518% | 4,237 |
| Pretax return on assets | 0.9291% | 3,785 |
| Return on Equity (ROE) | 7.6284% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.6284% | 1,150 |
| Net charge-offs to loans | 0.2742% | 1,580 |
| Credit loss provision to net charge-offs | 44.9438% | 3,588 |
| Earnings coverage of net charge-offs (x) | 6.3258% | 3,226 |
| Efficiency ratio | 77.7470% | 2,243 |
| Assets per employee ($millions) | 2.8599% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 5,606 |
| Loan loss allowance to noncurrent loans | 665.9091% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 5,239 |
| Noncurrent loans to loans | 0.1292% | 5,378 |
| Net loans and leases to total assets | 53.6564% | 4,617 |
| Net loans and leases to deposits | 58.8526% | 4,993 |
| Net loans and leases to core deposits | 59.2274% | 5,191 |
| Total domestic deposits to total assets | 91.1709% | 313 |
| Equity capital to assets | 8.7353% | 5,552 |
| Core capital (leverage) ratio | 9.1289% | 4,781 |
| Tier 1 risk-based capital ratio | 14.8603% | 3,563 |
| Total risk-based capital ratio | 15.6790% | 3,752 |
| Memoranda: | ||
| Average total assets | $61,671,800 | 5,508 |
| Average earning assets | $57,737,800 | 5,465 |
| Average equity | $5,269,800 | 5,797 |
| Average total loans | $32,454,800 | 5,466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 5,451 |
| Cost of funding earning assets | 0.2372% | 5,541 |
| Net interest margin | 3.2349% | 4,835 |
| Noninterest income to average assets | 1.0995% | 1,005 |
| Noninterest expense to average assets | 3.2311% | 2,086 |
| Loan and lease loss provision to assets | 0.0217% | 3,973 |
| Net operating income to assets | 0.6160% | 4,371 |
| Return on assets (ROA) | 0.6823% | 4,119 |
| Pretax return on assets | 0.9626% | 3,747 |
| Return on Equity (ROE) | 8.0307% | 3,187 |
| Retained earnings to average equity (ytd only) | 8.0307% | 1,344 |
| Net charge-offs to loans | 0.3702% | 1,083 |
| Credit loss provision to net charge-offs | 11.2360% | 3,688 |
| Earnings coverage of net charge-offs (x) | 4.6069% | 3,415 |
| Efficiency ratio | 78.3869% | 2,122 |
| Assets per employee ($millions) | 2.6620% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 5,877 |
| Loan loss allowance to noncurrent loans | 1,320.0000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 5,114 |
| Noncurrent loans to loans | 0.0605% | 5,772 |
| Net loans and leases to total assets | 55.9925% | 4,332 |
| Net loans and leases to deposits | 61.7250% | 4,770 |
| Net loans and leases to core deposits | 62.1484% | 5,024 |
| Total domestic deposits to total assets | 90.7129% | 450 |
| Equity capital to assets | 9.2256% | 5,119 |
| Core capital (leverage) ratio | 9.1798% | 4,812 |
| Tier 1 risk-based capital ratio | 14.6010% | 3,814 |
| Total risk-based capital ratio | 15.3357% | 4,093 |
| Memoranda: | ||
| Average total assets | $61,360,500 | 5,582 |
| Average earning assets | $57,331,250 | 5,534 |
| Average equity | $5,213,250 | 5,871 |
| Average total loans | $32,055,500 | 5,539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3961% | 5,625 |
| Cost of funding earning assets | 0.2441% | 5,547 |
| Net interest margin | 3.1520% | 5,083 |
| Noninterest income to average assets | 1.1494% | 891 |
| Noninterest expense to average assets | 3.1882% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6380% | 4,159 |
| Return on assets (ROA) | 0.6582% | 4,153 |
| Pretax return on assets | 0.9343% | 3,746 |
| Return on Equity (ROE) | 7.9612% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.9612% | 1,342 |
| Net charge-offs to loans | 0.0504% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 1,146 |
| Efficiency ratio | 77.8824% | 2,307 |
| Assets per employee ($millions) | 2.7711% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,191 |
| Loan loss allowance to noncurrent loans | 630.7692% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 5,342 |
| Noncurrent loans to loans | 0.1638% | 5,519 |
| Net loans and leases to total assets | 51.5271% | 4,797 |
| Net loans and leases to deposits | 56.5063% | 5,154 |
| Net loans and leases to core deposits | 56.8767% | 5,358 |
| Total domestic deposits to total assets | 91.1882% | 348 |
| Equity capital to assets | 8.7478% | 5,577 |
| Core capital (leverage) ratio | 8.7165% | 5,375 |
| Tier 1 risk-based capital ratio | 14.6550% | 3,835 |
| Total risk-based capital ratio | 15.6011% | 3,964 |
| Memoranda: | ||
| Average total assets | $62,292,330 | 5,605 |
| Average earning assets | $58,184,670 | 5,555 |
| Average equity | $5,150,000 | 5,922 |
| Average total loans | $31,722,000 | 5,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 5,737 |
| Cost of funding earning assets | 0.2514% | 5,565 |
| Net interest margin | 3.1053% | 5,232 |
| Noninterest income to average assets | 1.0229% | 1,077 |
| Noninterest expense to average assets | 3.1577% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5483% | 4,465 |
| Return on assets (ROA) | 0.5528% | 4,522 |
| Pretax return on assets | 0.7751% | 4,201 |
| Return on Equity (ROE) | 6.8795% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.8795% | 2,099 |
| Net charge-offs to loans | 0.1261% | 1,959 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 1,742 |
| Efficiency ratio | 80.4207% | 2,146 |
| Assets per employee ($millions) | 2.8541% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,297 |
| Loan loss allowance to noncurrent loans | 532.7869% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 5,101 |
| Noncurrent loans to loans | 0.1979% | 5,497 |
| Net loans and leases to total assets | 48.5595% | 5,057 |
| Net loans and leases to deposits | 52.9569% | 5,385 |
| Net loans and leases to core deposits | 53.2920% | 5,546 |
| Total domestic deposits to total assets | 91.6963% | 330 |
| Equity capital to assets | 8.2193% | 5,895 |
| Core capital (leverage) ratio | 8.2739% | 5,871 |
| Tier 1 risk-based capital ratio | 14.2927% | 4,134 |
| Total risk-based capital ratio | 15.2336% | 4,286 |
| Memoranda: | ||
| Average total assets | $62,956,500 | 5,643 |
| Average earning assets | $58,867,000 | 5,593 |
| Average equity | $5,058,500 | 5,982 |
| Average total loans | $31,712,500 | 5,642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 5,645 |
| Cost of funding earning assets | 0.3422% | 5,222 |
| Net interest margin | 3.1584% | 5,131 |
| Noninterest income to average assets | 1.1098% | 1,141 |
| Noninterest expense to average assets | 3.1605% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6301% | 4,112 |
| Return on assets (ROA) | 0.6301% | 4,225 |
| Pretax return on assets | 0.8958% | 3,779 |
| Return on Equity (ROE) | 7.5791% | 3,257 |
| Retained earnings to average equity (ytd only) | 4.9656% | 2,617 |
| Net charge-offs to loans | -0.0163% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9151% | 2,484 |
| Assets per employee ($millions) | 2.8692% | 6,021 |
| Cash dividends to net income (ytd only)* | 34.4828% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 5,390 |
| Loan loss allowance to noncurrent loans | 489.8551% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 5,163 |
| Noncurrent loans to loans | 0.2116% | 5,545 |
| Net loans and leases to total assets | 51.1248% | 4,961 |
| Net loans and leases to deposits | 55.5257% | 5,348 |
| Net loans and leases to core deposits | 55.8737% | 5,543 |
| Total domestic deposits to total assets | 92.0741% | 269 |
| Equity capital to assets | 7.8515% | 6,114 |
| Core capital (leverage) ratio | 8.5311% | 5,630 |
| Tier 1 risk-based capital ratio | 13.7412% | 4,490 |
| Total risk-based capital ratio | 14.6848% | 4,634 |
| Memoranda: | ||
| Average total assets | $59,831,600 | 5,760 |
| Average earning assets | $55,818,800 | 5,708 |
| Average equity | $4,974,200 | 6,073 |
| Average total loans | $30,673,400 | 5,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 5,746 |
| Cost of funding earning assets | 0.3633% | 5,157 |
| Net interest margin | 3.1095% | 5,296 |
| Noninterest income to average assets | 1.1388% | 1,128 |
| Noninterest expense to average assets | 3.2107% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5875% | 4,404 |
| Return on assets (ROA) | 0.5875% | 4,532 |
| Pretax return on assets | 0.8292% | 4,192 |
| Return on Equity (ROE) | 6.9628% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.8203% | 3,216 |
| Net charge-offs to loans | -0.0177% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4743% | 2,186 |
| Assets per employee ($millions) | 2.7650% | 6,200 |
| Cash dividends to net income (ytd only)* | 30.7679% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,458 |
| Loan loss allowance to noncurrent loans | 17,000.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 5,596 |
| Noncurrent loans to loans | 0.0063% | 6,367 |
| Net loans and leases to total assets | 54.3236% | 4,558 |
| Net loans and leases to deposits | 59.4366% | 5,040 |
| Net loans and leases to core deposits | 59.8437% | 5,313 |
| Total domestic deposits to total assets | 91.3976% | 393 |
| Equity capital to assets | 8.5284% | 5,709 |
| Core capital (leverage) ratio | 8.6941% | 5,545 |
| Tier 1 risk-based capital ratio | 13.9118% | 4,488 |
| Total risk-based capital ratio | 14.8796% | 4,631 |
| Memoranda: | ||
| Average total assets | $59,009,000 | 5,845 |
| Average earning assets | $55,055,750 | 5,789 |
| Average equity | $4,978,750 | 6,144 |
| Average total loans | $30,189,500 | 5,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,981 |
| Cost of funding earning assets | 0.3787% | 5,152 |
| Net interest margin | 2.9867% | 5,591 |
| Noninterest income to average assets | 1.2036% | 1,055 |
| Noninterest expense to average assets | 3.1691% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5866% | 4,364 |
| Return on assets (ROA) | 0.5866% | 4,543 |
| Pretax return on assets | 0.8260% | 4,215 |
| Return on Equity (ROE) | 6.9772% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.7742% | 2,570 |
| Net charge-offs to loans | -0.0068% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3249% | 2,255 |
| Assets per employee ($millions) | 2.8133% | 6,146 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 5,266 |
| Loan loss allowance to noncurrent loans | 11,233.3333% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,624 |
| Noncurrent loans to loans | 0.0102% | 6,406 |
| Net loans and leases to total assets | 49.3018% | 5,185 |
| Net loans and leases to deposits | 53.8183% | 5,537 |
| Net loans and leases to core deposits | 54.1797% | 5,740 |
| Total domestic deposits to total assets | 91.6078% | 339 |
| Equity capital to assets | 8.3244% | 5,946 |
| Core capital (leverage) ratio | 8.5150% | 5,657 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,986 |
| Total risk-based capital ratio | 15.6857% | 4,103 |
| Memoranda: | ||
| Average total assets | $59,323,670 | 5,869 |
| Average earning assets | $55,446,670 | 5,808 |
| Average equity | $4,987,670 | 6,186 |
| Average total loans | $29,625,000 | 5,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 6,050 |
| Cost of funding earning assets | 0.3958% | 5,146 |
| Net interest margin | 2.9503% | 5,706 |
| Noninterest income to average assets | 1.1170% | 1,192 |
| Noninterest expense to average assets | 3.1289% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5248% | 4,549 |
| Return on assets (ROA) | 0.5248% | 4,697 |
| Pretax return on assets | 0.7469% | 4,385 |
| Return on Equity (ROE) | 6.2120% | 3,933 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,935 |
| Net charge-offs to loans | -0.0135% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7292% | 2,219 |
| Assets per employee ($millions) | 2.8778% | 6,179 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,310 |
| Loan loss allowance to noncurrent loans | 11,133.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 5,732 |
| Noncurrent loans to loans | 0.0105% | 6,472 |
| Net loans and leases to total assets | 46.5755% | 5,377 |
| Net loans and leases to deposits | 50.8665% | 5,721 |
| Net loans and leases to core deposits | 51.2006% | 5,875 |
| Total domestic deposits to total assets | 91.5642% | 337 |
| Equity capital to assets | 8.3398% | 6,162 |
| Core capital (leverage) ratio | 8.2564% | 5,870 |
| Tier 1 risk-based capital ratio | 14.8975% | 3,914 |
| Total risk-based capital ratio | 15.9494% | 4,007 |
| Memoranda: | ||
| Average total assets | $59,446,000 | 5,916 |
| Average earning assets | $55,588,000 | 5,858 |
| Average equity | $5,022,500 | 6,236 |
| Average total loans | $29,705,500 | 5,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 6,023 |
| Cost of funding earning assets | 0.4440% | 5,635 |
| Net interest margin | 3.2690% | 5,364 |
| Noninterest income to average assets | 1.1064% | 1,267 |
| Noninterest expense to average assets | 3.1801% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6587% | 3,945 |
| Return on assets (ROA) | 0.8180% | 3,443 |
| Pretax return on assets | 1.1880% | 2,842 |
| Return on Equity (ROE) | 9.4245% | 2,436 |
| Retained earnings to average equity (ytd only) | -0.5803% | 5,950 |
| Net charge-offs to loans | 0.0200% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 91.8333% | 421 |
| Efficiency ratio | 76.8682% | 2,615 |
| Assets per employee ($millions) | 2.7838% | 6,334 |
| Cash dividends to net income (ytd only)* | 106.1571% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,583 |
| Loan loss allowance to noncurrent loans | 8,450.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 5,810 |
| Noncurrent loans to loans | 0.0129% | 6,514 |
| Net loans and leases to total assets | 52.3307% | 4,879 |
| Net loans and leases to deposits | 57.2841% | 5,314 |
| Net loans and leases to core deposits | 57.6740% | 5,578 |
| Total domestic deposits to total assets | 91.3529% | 382 |
| Equity capital to assets | 8.5616% | 5,999 |
| Core capital (leverage) ratio | 8.0804% | 6,113 |
| Tier 1 risk-based capital ratio | 14.0161% | 4,373 |
| Total risk-based capital ratio | 15.0125% | 4,510 |
| Memoranda: | ||
| Average total assets | $57,576,200 | 5,983 |
| Average earning assets | $53,380,400 | 5,944 |
| Average equity | $4,997,600 | 6,289 |
| Average total loans | $30,061,000 | 5,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 6,190 |
| Cost of funding earning assets | 0.4520% | 5,781 |
| Net interest margin | 3.2692% | 5,486 |
| Noninterest income to average assets | 1.2158% | 1,009 |
| Noninterest expense to average assets | 3.2010% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7142% | 3,853 |
| Return on assets (ROA) | 0.9229% | 3,091 |
| Pretax return on assets | 1.3483% | 2,417 |
| Return on Equity (ROE) | 10.5954% | 2,100 |
| Retained earnings to average equity (ytd only) | -1.4144% | 6,325 |
| Net charge-offs to loans | 0.0268% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 74.6650% | 549 |
| Efficiency ratio | 75.4521% | 2,753 |
| Assets per employee ($millions) | 2.8186% | 6,338 |
| Cash dividends to net income (ytd only)* | 113.3511% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0996% | 5,721 |
| Loan loss allowance to noncurrent loans | 8,425.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 5,774 |
| Noncurrent loans to loans | 0.0131% | 6,622 |
| Net loans and leases to total assets | 51.2080% | 5,154 |
| Net loans and leases to deposits | 55.9803% | 5,637 |
| Net loans and leases to core deposits | 56.3561% | 5,867 |
| Total domestic deposits to total assets | 91.4749% | 293 |
| Equity capital to assets | 8.4440% | 6,313 |
| Core capital (leverage) ratio | 8.5037% | 5,748 |
| Tier 1 risk-based capital ratio | 13.9220% | 4,587 |
| Total risk-based capital ratio | 14.9166% | 4,728 |
| Memoranda: | ||
| Average total assets | $57,355,500 | 6,056 |
| Average earning assets | $53,099,750 | 6,021 |
| Average equity | $4,995,750 | 6,363 |
| Average total loans | $29,843,750 | 6,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 6,307 |
| Cost of funding earning assets | 0.4729% | 5,809 |
| Net interest margin | 3.2413% | 5,617 |
| Noninterest income to average assets | 1.4275% | 707 |
| Noninterest expense to average assets | 3.2144% | 2,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8246% | 3,276 |
| Return on assets (ROA) | 1.0116% | 2,633 |
| Pretax return on assets | 1.4839% | 1,902 |
| Return on Equity (ROE) | 11.4915% | 1,830 |
| Retained earnings to average equity (ytd only) | 1.4815% | 5,459 |
| Net charge-offs to loans | 0.0068% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 121 |
| Efficiency ratio | 72.6693% | 3,306 |
| Assets per employee ($millions) | 2.5183% | 6,745 |
| Cash dividends to net income (ytd only)* | 87.1080% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,571 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.4783% | 5,566 |
| Noncurrent loans to loans | 0.0639% | 6,507 |
| Net loans and leases to total assets | 53.0675% | 4,951 |
| Net loans and leases to deposits | 58.4711% | 5,401 |
| Net loans and leases to core deposits | 58.8939% | 5,700 |
| Total domestic deposits to total assets | 90.7586% | 543 |
| Equity capital to assets | 9.1547% | 5,512 |
| Core capital (leverage) ratio | 8.6404% | 5,460 |
| Tier 1 risk-based capital ratio | 14.3169% | 4,232 |
| Total risk-based capital ratio | 15.3387% | 4,340 |
| Memoranda: | ||
| Average total assets | $56,744,000 | 6,117 |
| Average earning assets | $52,447,670 | 6,079 |
| Average equity | $4,995,000 | 6,393 |
| Average total loans | $29,576,000 | 6,086 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 6,532 |
| Cost of funding earning assets | 0.4816% | 5,931 |
| Net interest margin | 3.1529% | 5,903 |
| Noninterest income to average assets | 1.4979% | 640 |
| Noninterest expense to average assets | 3.1630% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8569% | 3,122 |
| Return on assets (ROA) | 0.8569% | 3,357 |
| Pretax return on assets | 1.2540% | 2,709 |
| Return on Equity (ROE) | 9.9264% | 2,427 |
| Retained earnings to average equity (ytd only) | -6.2141% | 6,673 |
| Net charge-offs to loans | 0.0271% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 377 |
| Efficiency ratio | 71.6088% | 3,512 |
| Assets per employee ($millions) | 2.8917% | 6,364 |
| Cash dividends to net income (ytd only)* | 162.6016% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,403 |
| Loan loss allowance to noncurrent loans | 1,695.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 5,708 |
| Noncurrent loans to loans | 0.0719% | 6,573 |
| Net loans and leases to total assets | 47.4936% | 5,625 |
| Net loans and leases to deposits | 51.9824% | 5,971 |
| Net loans and leases to core deposits | 52.3400% | 6,178 |
| Total domestic deposits to total assets | 91.3648% | 418 |
| Equity capital to assets | 8.5332% | 6,057 |
| Core capital (leverage) ratio | 8.1966% | 6,031 |
| Tier 1 risk-based capital ratio | 15.1310% | 3,668 |
| Total risk-based capital ratio | 16.2300% | 3,733 |
| Memoranda: | ||
| Average total assets | $57,414,500 | 6,133 |
| Average earning assets | $53,157,500 | 6,093 |
| Average equity | $4,956,500 | 6,437 |
| Average total loans | $29,492,500 | 6,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 6,530 |
| Cost of funding earning assets | 0.7163% | 5,425 |
| Net interest margin | 3.2431% | 5,976 |
| Noninterest income to average assets | 0.3557% | 4,962 |
| Noninterest expense to average assets | 3.4855% | 2,018 |
| Loan and lease loss provision to assets | 0.0781% | 5,634 |
| Net operating income to assets | -0.1396% | 6,192 |
| Return on assets (ROA) | 0.0069% | 6,150 |
| Pretax return on assets | -0.0173% | 6,149 |
| Return on Equity (ROE) | 0.0794% | 6,142 |
| Retained earnings to average equity (ytd only) | -3.8907% | 6,362 |
| Net charge-offs to loans | -0.0033% | 6,817 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0732% | 537 |
| Assets per employee ($millions) | 2.5907% | 6,731 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,800 |
| Loan loss allowance to noncurrent loans | 5,733.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 5,143 |
| Noncurrent loans to loans | 0.0192% | 6,780 |
| Net loans and leases to total assets | 54.1003% | 5,024 |
| Net loans and leases to deposits | 59.3792% | 5,562 |
| Net loans and leases to core deposits | 59.7948% | 5,868 |
| Total domestic deposits to total assets | 91.1099% | 464 |
| Equity capital to assets | 8.7339% | 5,863 |
| Core capital (leverage) ratio | 8.5684% | 5,448 |
| Tier 1 risk-based capital ratio | 14.0734% | 4,275 |
| Total risk-based capital ratio | 15.0851% | 4,410 |
| Memoranda: | ||
| Average total assets | $57,638,400 | 6,122 |
| Average earning assets | $52,634,600 | 6,102 |
| Average equity | $5,037,600 | 6,434 |
| Average total loans | $30,263,800 | 6,145 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 6,646 |
| Cost of funding earning assets | 0.7823% | 5,264 |
| Net interest margin | 3.1797% | 6,204 |
| Noninterest income to average assets | 0.7289% | 2,424 |
| Noninterest expense to average assets | 3.5063% | 1,920 |
| Loan and lease loss provision to assets | 0.1038% | 5,147 |
| Net operating income to assets | 0.0122% | 6,137 |
| Return on assets (ROA) | 0.2284% | 5,757 |
| Pretax return on assets | 0.3206% | 5,661 |
| Return on Equity (ROE) | 2.6126% | 5,576 |
| Retained earnings to average equity (ytd only) | -2.6652% | 6,378 |
| Net charge-offs to loans | -0.0044% | 6,706 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6921% | 782 |
| Assets per employee ($millions) | 2.2987% | 7,078 |
| Cash dividends to net income (ytd only)* | 202.0152% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,778 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 4,341 |
| Noncurrent loans to loans | 0.0198% | 6,893 |
| Net loans and leases to total assets | 54.3812% | 5,115 |
| Net loans and leases to deposits | 60.0645% | 5,620 |
| Net loans and leases to core deposits | 60.5017% | 5,942 |
| Total domestic deposits to total assets | 90.5380% | 616 |
| Equity capital to assets | 9.1901% | 5,526 |
| Core capital (leverage) ratio | 8.9987% | 4,928 |
| Tier 1 risk-based capital ratio | 14.2615% | 4,153 |
| Total risk-based capital ratio | 15.2675% | 4,317 |
| Memoranda: | ||
| Average total assets | $57,799,000 | 6,157 |
| Average earning assets | $52,665,500 | 6,141 |
| Average equity | $5,052,500 | 6,481 |
| Average total loans | $30,035,000 | 6,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 6,812 |
| Cost of funding earning assets | 0.8588% | 4,993 |
| Net interest margin | 3.0320% | 6,545 |
| Noninterest income to average assets | 0.6169% | 3,021 |
| Noninterest expense to average assets | 3.4699% | 2,068 |
| Loan and lease loss provision to assets | 0.1534% | 4,394 |
| Net operating income to assets | -0.1399% | 6,405 |
| Return on assets (ROA) | -0.1159% | 6,419 |
| Pretax return on assets | -0.2011% | 6,452 |
| Return on Equity (ROE) | -1.3474% | 6,448 |
| Retained earnings to average equity (ytd only) | -9.2734% | 6,842 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5176% | 646 |
| Assets per employee ($millions) | 2.3083% | 7,115 |
| Cash dividends to net income (ytd only)* | -588.2353% | 7,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 5,517 |
| Loan loss allowance to noncurrent loans | 5,071.4286% | 102 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 4,062 |
| Noncurrent loans to loans | 0.0238% | 6,934 |
| Net loans and leases to total assets | 52.5028% | 5,500 |
| Net loans and leases to deposits | 57.9945% | 5,939 |
| Net loans and leases to core deposits | 58.4150% | 6,243 |
| Total domestic deposits to total assets | 90.5305% | 706 |
| Equity capital to assets | 8.9171% | 5,691 |
| Core capital (leverage) ratio | 8.1633% | 6,083 |
| Tier 1 risk-based capital ratio | 13.9218% | 4,225 |
| Total risk-based capital ratio | 14.9277% | 4,373 |
| Memoranda: | ||
| Average total assets | $58,676,000 | 6,186 |
| Average earning assets | $53,561,330 | 6,161 |
| Average equity | $5,046,670 | 6,517 |
| Average total loans | $29,932,330 | 6,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 7,015 |
| Cost of funding earning assets | 0.8340% | 5,374 |
| Net interest margin | 2.9154% | 6,734 |
| Noninterest income to average assets | 1.3197% | 738 |
| Noninterest expense to average assets | 3.3690% | 2,360 |
| Loan and lease loss provision to assets | 0.2984% | 2,772 |
| Net operating income to assets | 0.2321% | 5,673 |
| Return on assets (ROA) | 0.2321% | 5,738 |
| Pretax return on assets | 0.3183% | 5,604 |
| Return on Equity (ROE) | 2.7451% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.7451% | 4,525 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5258% | 1,895 |
| Assets per employee ($millions) | 2.4944% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,527 |
| Loan loss allowance to noncurrent loans | 4,437.5000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 3,565 |
| Noncurrent loans to loans | 0.0275% | 6,993 |
| Net loans and leases to total assets | 48.0189% | 6,073 |
| Net loans and leases to deposits | 53.7176% | 6,317 |
| Net loans and leases to core deposits | 54.0825% | 6,549 |
| Total domestic deposits to total assets | 89.3913% | 1,538 |
| Equity capital to assets | 8.5240% | 5,872 |
| Core capital (leverage) ratio | 8.5476% | 5,356 |
| Tier 1 risk-based capital ratio | 14.6981% | 3,614 |
| Total risk-based capital ratio | 15.7048% | 3,728 |
| Memoranda: | ||
| Average total assets | $60,314,500 | 6,174 |
| Average earning assets | $55,155,500 | 6,156 |
| Average equity | $5,100,000 | 6,522 |
| Average total loans | $30,178,000 | 6,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 6,809 |
| Cost of funding earning assets | 1.0554% | 5,395 |
| Net interest margin | 3.2332% | 6,184 |
| Noninterest income to average assets | 1.1632% | 1,090 |
| Noninterest expense to average assets | 3.5232% | 2,112 |
| Loan and lease loss provision to assets | 0.2023% | 5,219 |
| Net operating income to assets | 0.2574% | 5,090 |
| Return on assets (ROA) | 0.4686% | 4,400 |
| Pretax return on assets | 0.6726% | 4,082 |
| Return on Equity (ROE) | 5.4867% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.5131% | 3,404 |
| Net charge-offs to loans | 0.3454% | 4,285 |
| Credit loss provision to net charge-offs | 110.0917% | 4,001 |
| Earnings coverage of net charge-offs (x) | 3.1193% | 3,517 |
| Efficiency ratio | 86.0082% | 1,694 |
| Assets per employee ($millions) | 2.5318% | 6,961 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,421 |
| Loan loss allowance to noncurrent loans | 3,875.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 1.7774% | 3,648 |
| Noncurrent loans to loans | 0.0256% | 7,073 |
| Net loans and leases to total assets | 50.9257% | 6,052 |
| Net loans and leases to deposits | 56.9389% | 6,358 |
| Net loans and leases to core deposits | 57.8555% | 6,572 |
| Total domestic deposits to total assets | 89.4393% | 1,417 |
| Equity capital to assets | 8.3883% | 6,021 |
| Core capital (leverage) ratio | 8.4351% | 5,475 |
| Tier 1 risk-based capital ratio | 14.1351% | 3,778 |
| Total risk-based capital ratio | 14.9864% | 4,012 |
| Memoranda: | ||
| Average total assets | $59,320,600 | 6,232 |
| Average earning assets | $53,816,800 | 6,220 |
| Average equity | $5,066,800 | 6,645 |
| Average total loans | $31,554,400 | 6,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 6,875 |
| Cost of funding earning assets | 1.1001% | 5,417 |
| Net interest margin | 3.2602% | 6,143 |
| Noninterest income to average assets | 1.1917% | 984 |
| Noninterest expense to average assets | 3.4870% | 2,063 |
| Loan and lease loss provision to assets | 0.2035% | 5,015 |
| Net operating income to assets | 0.3109% | 5,122 |
| Return on assets (ROA) | 0.5699% | 4,172 |
| Pretax return on assets | 0.8254% | 3,818 |
| Return on Equity (ROE) | 6.6411% | 3,514 |
| Retained earnings to average equity (ytd only) | 4.0057% | 3,657 |
| Net charge-offs to loans | 0.4384% | 3,543 |
| Credit loss provision to net charge-offs | 86.5385% | 4,900 |
| Earnings coverage of net charge-offs (x) | 2.7789% | 3,750 |
| Efficiency ratio | 84.2163% | 1,810 |
| Assets per employee ($millions) | 2.4215% | 7,170 |
| Cash dividends to net income (ytd only)* | 39.6827% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,793 |
| Loan loss allowance to noncurrent loans | 2,035.7143% | 191 |
| Noncurrent assets plus other real estate owned to assets | 1.9495% | 3,537 |
| Noncurrent loans to loans | 0.0434% | 7,138 |
| Net loans and leases to total assets | 55.0390% | 5,692 |
| Net loans and leases to deposits | 61.9327% | 6,122 |
| Net loans and leases to core deposits | 62.9827% | 6,377 |
| Total domestic deposits to total assets | 88.8690% | 1,466 |
| Equity capital to assets | 8.8580% | 5,764 |
| Core capital (leverage) ratio | 8.9292% | 4,806 |
| Tier 1 risk-based capital ratio | 13.7906% | 3,986 |
| Total risk-based capital ratio | 14.5581% | 4,315 |
| Memoranda: | ||
| Average total assets | $58,960,000 | 6,305 |
| Average earning assets | $53,328,500 | 6,311 |
| Average equity | $5,059,250 | 6,731 |
| Average total loans | $31,629,500 | 6,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 6,953 |
| Cost of funding earning assets | 1.1541% | 5,379 |
| Net interest margin | 3.2157% | 6,266 |
| Noninterest income to average assets | 1.2491% | 833 |
| Noninterest expense to average assets | 3.3997% | 2,263 |
| Loan and lease loss provision to assets | 0.2026% | 4,845 |
| Net operating income to assets | 0.3831% | 4,837 |
| Return on assets (ROA) | 0.5672% | 4,156 |
| Pretax return on assets | 0.8204% | 3,816 |
| Return on Equity (ROE) | 6.6804% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.7040% | 4,414 |
| Net charge-offs to loans | 0.6621% | 2,556 |
| Credit loss provision to net charge-offs | 57.6923% | 5,264 |
| Earnings coverage of net charge-offs (x) | 2.1538% | 3,944 |
| Efficiency ratio | 81.8034% | 2,198 |
| Assets per employee ($millions) | 2.4761% | 7,134 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,974 |
| Loan loss allowance to noncurrent loans | 375.0000% | 801 |
| Noncurrent assets plus other real estate owned to assets | 2.3477% | 3,080 |
| Noncurrent loans to loans | 0.2199% | 6,803 |
| Net loans and leases to total assets | 53.8472% | 6,010 |
| Net loans and leases to deposits | 60.4697% | 6,370 |
| Net loans and leases to core deposits | 61.5141% | 6,590 |
| Total domestic deposits to total assets | 89.0483% | 1,408 |
| Equity capital to assets | 8.8727% | 5,638 |
| Core capital (leverage) ratio | 8.7516% | 5,004 |
| Tier 1 risk-based capital ratio | 13.7173% | 3,925 |
| Total risk-based capital ratio | 14.4118% | 4,273 |
| Memoranda: | ||
| Average total assets | $59,241,000 | 6,340 |
| Average earning assets | $53,549,000 | 6,344 |
| Average equity | $5,029,670 | 6,771 |
| Average total loans | $31,415,330 | 6,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 7,136 |
| Cost of funding earning assets | 1.1183% | 5,810 |
| Net interest margin | 3.1796% | 6,355 |
| Noninterest income to average assets | 1.0996% | 1,043 |
| Noninterest expense to average assets | 3.3584% | 2,351 |
| Loan and lease loss provision to assets | 0.0662% | 5,974 |
| Net operating income to assets | 0.3873% | 4,894 |
| Return on assets (ROA) | 0.5564% | 4,243 |
| Pretax return on assets | 0.8015% | 3,854 |
| Return on Equity (ROE) | 6.6959% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.6959% | 2,276 |
| Net charge-offs to loans | -0.0126% | 6,948 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3594% | 1,991 |
| Assets per employee ($millions) | 2.5499% | 7,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,605 |
| Loan loss allowance to noncurrent loans | 52.2766% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 2.5150% | 2,892 |
| Noncurrent loans to loans | 1.8538% | 3,983 |
| Net loans and leases to total assets | 54.0147% | 6,019 |
| Net loans and leases to deposits | 61.5011% | 6,323 |
| Net loans and leases to core deposits | 62.5466% | 6,555 |
| Total domestic deposits to total assets | 87.8272% | 2,156 |
| Equity capital to assets | 8.5989% | 5,873 |
| Core capital (leverage) ratio | 8.3351% | 5,678 |
| Tier 1 risk-based capital ratio | 12.7343% | 4,529 |
| Total risk-based capital ratio | 13.5495% | 4,864 |
| Memoranda: | ||
| Average total assets | $60,386,500 | 6,358 |
| Average earning assets | $54,723,500 | 6,369 |
| Average equity | $5,018,000 | 6,836 |
| Average total loans | $31,662,500 | 6,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 7,374 |
| Cost of funding earning assets | 1.3848% | 5,996 |
| Net interest margin | 3.1243% | 6,294 |
| Noninterest income to average assets | 1.1742% | 1,114 |
| Noninterest expense to average assets | 5.0086% | 517 |
| Loan and lease loss provision to assets | 1.4116% | 1,625 |
| Net operating income to assets | -1.5352% | 6,879 |
| Return on assets (ROA) | -1.5166% | 6,875 |
| Pretax return on assets | -2.4001% | 7,110 |
| Return on Equity (ROE) | -17.1169% | 7,039 |
| Retained earnings to average equity (ytd only) | -17.1169% | 6,992 |
| Net charge-offs to loans | 2.7744% | 804 |
| Credit loss provision to net charge-offs | 92.9787% | 5,897 |
| Earnings coverage of net charge-offs (x) | -0.6702% | 6,791 |
| Efficiency ratio | 125.4958% | 517 |
| Assets per employee ($millions) | 2.5886% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,619 |
| Loan loss allowance to noncurrent loans | 64.1631% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.1698% | 3,170 |
| Noncurrent loans to loans | 1.4871% | 4,442 |
| Net loans and leases to total assets | 49.9598% | 6,647 |
| Net loans and leases to deposits | 56.3938% | 6,897 |
| Net loans and leases to core deposits | 64.5603% | 7,055 |
| Total domestic deposits to total assets | 88.5909% | 1,679 |
| Equity capital to assets | 8.0369% | 6,540 |
| Core capital (leverage) ratio | 7.8792% | 6,345 |
| Tier 1 risk-based capital ratio | 12.3621% | 4,630 |
| Total risk-based capital ratio | 13.1418% | 4,998 |
| Memoranda: | ||
| Average total assets | $61,913,800 | 6,275 |
| Average earning assets | $55,819,800 | 6,302 |
| Average equity | $5,485,800 | 6,776 |
| Average total loans | $33,880,800 | 6,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 7,489 |
| Cost of funding earning assets | 1.4507% | 6,034 |
| Net interest margin | 3.0714% | 6,396 |
| Noninterest income to average assets | 1.1984% | 1,075 |
| Noninterest expense to average assets | 5.5413% | 370 |
| Loan and lease loss provision to assets | 1.7113% | 1,085 |
| Net operating income to assets | -2.0991% | 7,360 |
| Return on assets (ROA) | -2.0950% | 7,353 |
| Pretax return on assets | -3.2826% | 7,571 |
| Return on Equity (ROE) | -23.1052% | 7,467 |
| Retained earnings to average equity (ytd only) | -23.1052% | 7,438 |
| Net charge-offs to loans | 3.6310% | 405 |
| Credit loss provision to net charge-offs | 84.4681% | 5,641 |
| Earnings coverage of net charge-offs (x) | -0.7787% | 6,586 |
| Efficiency ratio | 139.8042% | 389 |
| Assets per employee ($millions) | 2.6007% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 7,296 |
| Loan loss allowance to noncurrent loans | 40.6308% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 2,856 |
| Noncurrent loans to loans | 1.8113% | 3,899 |
| Net loans and leases to total assets | 49.3814% | 6,835 |
| Net loans and leases to deposits | 56.0153% | 7,088 |
| Net loans and leases to core deposits | 64.1642% | 7,245 |
| Total domestic deposits to total assets | 88.1570% | 1,589 |
| Equity capital to assets | 8.3456% | 6,450 |
| Core capital (leverage) ratio | 7.7243% | 6,699 |
| Tier 1 risk-based capital ratio | 12.8531% | 4,292 |
| Total risk-based capital ratio | 13.4525% | 4,735 |
| Memoranda: | ||
| Average total assets | $61,860,750 | 6,314 |
| Average earning assets | $55,695,000 | 6,352 |
| Average equity | $5,609,000 | 6,814 |
| Average total loans | $34,516,750 | 6,423 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 7,425 |
| Cost of funding earning assets | 1.4989% | 6,147 |
| Net interest margin | 3.1691% | 6,026 |
| Noninterest income to average assets | 1.2408% | 1,002 |
| Noninterest expense to average assets | 4.1348% | 1,148 |
| Loan and lease loss provision to assets | 2.5071% | 624 |
| Net operating income to assets | -1.6178% | 7,296 |
| Return on assets (ROA) | -1.6117% | 7,296 |
| Pretax return on assets | -2.5519% | 7,433 |
| Return on Equity (ROE) | -17.3355% | 7,433 |
| Retained earnings to average equity (ytd only) | -17.3355% | 7,364 |
| Net charge-offs to loans | 0.5983% | 2,545 |
| Credit loss provision to net charge-offs | 725.9259% | 654 |
| Earnings coverage of net charge-offs (x) | -0.1574% | 5,849 |
| Efficiency ratio | 101.3323% | 1,112 |
| Assets per employee ($millions) | 2.3229% | 7,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0795% | 528 |
| Loan loss allowance to noncurrent loans | 51.0795% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 6.3060% | 748 |
| Noncurrent loans to loans | 6.0289% | 904 |
| Net loans and leases to total assets | 52.2386% | 6,655 |
| Net loans and leases to deposits | 60.4439% | 6,855 |
| Net loans and leases to core deposits | 69.5457% | 7,047 |
| Total domestic deposits to total assets | 86.4249% | 2,552 |
| Equity capital to assets | 8.6865% | 5,777 |
| Core capital (leverage) ratio | 8.6699% | 5,146 |
| Tier 1 risk-based capital ratio | 13.1557% | 4,030 |
| Total risk-based capital ratio | 14.4067% | 3,953 |
| Memoranda: | ||
| Average total assets | $62,542,330 | 6,354 |
| Average earning assets | $56,041,000 | 6,383 |
| Average equity | $5,814,670 | 6,789 |
| Average total loans | $36,103,330 | 6,397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4692% | 5,070 |
| Cost of funding earning assets | 1.5463% | 6,254 |
| Net interest margin | 3.9229% | 2,962 |
| Noninterest income to average assets | 1.0440% | 1,366 |
| Noninterest expense to average assets | 3.5354% | 2,018 |
| Loan and lease loss provision to assets | 0.3843% | 3,021 |
| Net operating income to assets | 0.5636% | 4,170 |
| Return on assets (ROA) | 0.5636% | 4,356 |
| Pretax return on assets | 0.6341% | 4,641 |
| Return on Equity (ROE) | 5.8686% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.8686% | 2,687 |
| Net charge-offs to loans | 0.0429% | 4,878 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 855 |
| Efficiency ratio | 77.6371% | 3,231 |
| Assets per employee ($millions) | 2.3026% | 7,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,906 |
| Loan loss allowance to noncurrent loans | 20.4171% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 6.3920% | 593 |
| Noncurrent loans to loans | 5.7985% | 846 |
| Net loans and leases to total assets | 56.5215% | 6,163 |
| Net loans and leases to deposits | 66.4473% | 6,338 |
| Net loans and leases to core deposits | 78.6253% | 6,489 |
| Total domestic deposits to total assets | 85.0622% | 3,165 |
| Equity capital to assets | 9.7280% | 4,338 |
| Core capital (leverage) ratio | 9.6645% | 3,800 |
| Tier 1 risk-based capital ratio | 13.8765% | 3,652 |
| Total risk-based capital ratio | 14.8506% | 3,721 |
| Memoranda: | ||
| Average total assets | $62,454,500 | 6,380 |
| Average earning assets | $55,876,500 | 6,421 |
| Average equity | $5,998,000 | 6,757 |
| Average total loans | $37,253,000 | 6,367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 6,287 |
| Cost of funding earning assets | 1.8614% | 6,844 |
| Net interest margin | 3.9816% | 3,211 |
| Noninterest income to average assets | 1.2042% | 1,027 |
| Noninterest expense to average assets | 4.1121% | 1,255 |
| Loan and lease loss provision to assets | 0.2316% | 4,578 |
| Net operating income to assets | 0.3953% | 5,167 |
| Return on assets (ROA) | 0.3953% | 4,984 |
| Pretax return on assets | 0.4234% | 5,195 |
| Return on Equity (ROE) | 4.0927% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.1234% | 3,910 |
| Net charge-offs to loans | 0.6786% | 1,814 |
| Credit loss provision to net charge-offs | 52.2388% | 6,329 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 5,366 |
| Efficiency ratio | 86.2595% | 1,830 |
| Assets per employee ($millions) | 2.2406% | 7,648 |
| Cash dividends to net income (ytd only)* | 48.1172% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,465 |
| Loan loss allowance to noncurrent loans | 72.5646% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 3.8493% | 1,095 |
| Noncurrent loans to loans | 1.2916% | 3,933 |
| Net loans and leases to total assets | 61.4938% | 5,700 |
| Net loans and leases to deposits | 72.2418% | 6,033 |
| Net loans and leases to core deposits | 84.1843% | 6,274 |
| Total domestic deposits to total assets | 85.1223% | 2,786 |
| Equity capital to assets | 9.4807% | 4,714 |
| Core capital (leverage) ratio | 9.5894% | 3,891 |
| Tier 1 risk-based capital ratio | 12.7622% | 4,252 |
| Total risk-based capital ratio | 13.5506% | 4,471 |
| Memoranda: | ||
| Average total assets | $60,456,000 | 6,370 |
| Average earning assets | $54,099,400 | 6,409 |
| Average equity | $5,839,600 | 6,863 |
| Average total loans | $39,494,600 | 6,192 |