Home > Farmers Bank & Trust > Performance and Condition Ratios
Farmers Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 3,592 |
| Cost of funding earning assets | 1.5167% | 1,903 |
| Net interest margin | 2.7010% | 3,821 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9134% | 3,813 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7604% | 3,012 |
| Return on assets (ROA) | 0.8623% | 2,638 |
| Pretax return on assets | 0.8956% | 2,972 |
| Return on Equity (ROE) | 18.8000% | 726 |
| Retained earnings to average equity (ytd only) | 15.6590% | 287 |
| Net charge-offs to loans | 0.0015% | 2,778 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,609 |
| Earnings coverage of net charge-offs (x) | 1,354.0000% | 115 |
| Efficiency ratio | 68.8377% | 2,023 |
| Assets per employee ($millions) | 7.0184% | 2,060 |
| Cash dividends to net income (ytd only)* | 16.6914% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,117 |
| Loan loss allowance to noncurrent loans | 35,800.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,850 |
| Noncurrent loans to loans | 0.0029% | 3,774 |
| Net loans and leases to total assets | 44.1800% | 3,892 |
| Net loans and leases to deposits | 47.1060% | 4,016 |
| Net loans and leases to core deposits | 51.4241% | 4,048 |
| Total domestic deposits to total assets | 93.7800% | 121 |
| Equity capital to assets | 5.7725% | 4,284 |
| Core capital (leverage) ratio | 9.0770% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5542% | 987 |
| Memoranda: | ||
| Average total assets | $156,317,600 | 3,308 |
| Average earning assets | $147,095,800 | 3,276 |
| Average equity | $7,171,600 | 4,023 |
| Average total loans | $64,960,800 | 3,630 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,526 |
| Cost of funding earning assets | 1.3418% | 2,025 |
| Net interest margin | 2.8262% | 3,680 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9804% | 3,640 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8168% | 2,976 |
| Return on assets (ROA) | 0.9702% | 2,443 |
| Pretax return on assets | 1.0085% | 2,831 |
| Return on Equity (ROE) | 22.5800% | 516 |
| Retained earnings to average equity (ytd only) | 19.1200% | 294 |
| Net charge-offs to loans | 0.0021% | 2,490 |
| Credit loss provision to net charge-offs | 9,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,088.0000% | 141 |
| Efficiency ratio | 68.1592% | 1,996 |
| Assets per employee ($millions) | 6.5360% | 2,303 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 983 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.6100% | 3,890 |
| Net loans and leases to deposits | 50.2112% | 3,927 |
| Net loans and leases to core deposits | 54.9820% | 3,899 |
| Total domestic deposits to total assets | 88.8400% | 1,307 |
| Equity capital to assets | 3.6347% | 4,444 |
| Core capital (leverage) ratio | 8.9559% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5091% | 1,020 |
| Memoranda: | ||
| Average total assets | $156,795,750 | 3,313 |
| Average earning assets | $147,661,250 | 3,281 |
| Average equity | $6,736,250 | 4,075 |
| Average total loans | $63,969,500 | 3,653 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,426 |
| Cost of funding earning assets | 1.1736% | 2,071 |
| Net interest margin | 2.9572% | 3,550 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.9553% | 3,703 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9670% | 2,524 |
| Return on assets (ROA) | 1.1916% | 1,843 |
| Pretax return on assets | 1.2306% | 2,284 |
| Return on Equity (ROE) | 26.4500% | 311 |
| Retained earnings to average equity (ytd only) | 22.9598% | 166 |
| Net charge-offs to loans | 0.0032% | 2,209 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 854.0000% | 175 |
| Efficiency ratio | 64.5349% | 2,422 |
| Assets per employee ($millions) | 6.6042% | 2,206 |
| Cash dividends to net income (ytd only)* | 13.1996% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,035 |
| Loan loss allowance to noncurrent loans | 932.7273% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,048 |
| Noncurrent loans to loans | 0.1661% | 2,649 |
| Net loans and leases to total assets | 42.9300% | 3,923 |
| Net loans and leases to deposits | 46.4604% | 4,029 |
| Net loans and leases to core deposits | 50.3339% | 4,009 |
| Total domestic deposits to total assets | 92.3900% | 348 |
| Equity capital to assets | 4.6242% | 4,428 |
| Core capital (leverage) ratio | 8.5262% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8295% | 984 |
| Memoranda: | ||
| Average total assets | $158,951,667 | 3,307 |
| Average earning assets | $150,142,333 | 3,268 |
| Average equity | $7,160,333 | 4,057 |
| Average total loans | $62,588,667 | 3,679 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,587 |
| Cost of funding earning assets | 1.0787% | 1,817 |
| Net interest margin | 2.8608% | 3,850 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.8538% | 3,944 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9890% | 2,565 |
| Return on assets (ROA) | 1.2088% | 1,866 |
| Pretax return on assets | 1.2654% | 2,268 |
| Return on Equity (ROE) | 27.1700% | 320 |
| Retained earnings to average equity (ytd only) | 23.0200% | 242 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.5415% | 2,627 |
| Assets per employee ($millions) | 6.2863% | 2,515 |
| Cash dividends to net income (ytd only)* | 15.2749% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 909 |
| Loan loss allowance to noncurrent loans | 906.3636% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 3,097 |
| Noncurrent loans to loans | 0.1822% | 2,570 |
| Net loans and leases to total assets | 37.7800% | 4,122 |
| Net loans and leases to deposits | 39.7873% | 4,228 |
| Net loans and leases to core deposits | 40.7590% | 4,252 |
| Total domestic deposits to total assets | 94.9600% | 94 |
| Equity capital to assets | 4.6724% | 4,468 |
| Core capital (leverage) ratio | 8.1524% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1294% | 976 |
| Memoranda: | ||
| Average total assets | $162,479,500 | 3,315 |
| Average earning assets | $153,522,000 | 3,286 |
| Average equity | $7,228,500 | 4,093 |
| Average total loans | $60,768,500 | 3,750 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 3,845 |
| Cost of funding earning assets | 0.3907% | 2,172 |
| Net interest margin | 2.7923% | 3,909 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.8859% | 3,862 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0935% | 2,202 |
| Return on assets (ROA) | 1.1564% | 1,885 |
| Pretax return on assets | 1.2373% | 2,316 |
| Return on Equity (ROE) | 20.2400% | 458 |
| Retained earnings to average equity (ytd only) | 12.9845% | 516 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0924% | 3,043 |
| Assets per employee ($millions) | 7.2957% | 1,759 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,022 |
| Loan loss allowance to noncurrent loans | 876.3636% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,148 |
| Noncurrent loans to loans | 0.1799% | 2,585 |
| Net loans and leases to total assets | 35.8700% | 4,222 |
| Net loans and leases to deposits | 37.5391% | 4,308 |
| Net loans and leases to core deposits | 38.2748% | 4,323 |
| Total domestic deposits to total assets | 95.5600% | 103 |
| Equity capital to assets | 4.2395% | 4,493 |
| Core capital (leverage) ratio | 8.0723% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1790% | 1,099 |
| Memoranda: | ||
| Average total assets | $144,755,600 | 3,494 |
| Average earning assets | $135,410,400 | 3,464 |
| Average equity | $8,271,400 | 4,069 |
| Average total loans | $61,026,000 | 3,707 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0217% | 3,848 |
| Cost of funding earning assets | 0.2150% | 3,089 |
| Net interest margin | 2.8066% | 3,723 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.8523% | 3,864 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2379% | 1,557 |
| Return on assets (ROA) | 1.2566% | 1,472 |
| Pretax return on assets | 1.3535% | 1,874 |
| Return on Equity (ROE) | 20.4000% | 400 |
| Retained earnings to average equity (ytd only) | 13.3941% | 558 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.6110% | 3,561 |
| Assets per employee ($millions) | 7.0721% | 1,890 |
| Cash dividends to net income (ytd only)* | 34.3511% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,266 |
| Loan loss allowance to noncurrent loans | 220.2830% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 1,809 |
| Noncurrent loans to loans | 0.6855% | 1,192 |
| Net loans and leases to total assets | 41.0200% | 4,027 |
| Net loans and leases to deposits | 42.9590% | 4,150 |
| Net loans and leases to core deposits | 43.9128% | 4,174 |
| Total domestic deposits to total assets | 95.4800% | 170 |
| Equity capital to assets | 3.7787% | 4,501 |
| Core capital (leverage) ratio | 8.7979% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9418% | 1,000 |
| Memoranda: | ||
| Average total assets | $138,994,250 | 3,564 |
| Average earning assets | $129,594,000 | 3,554 |
| Average equity | $8,560,750 | 4,087 |
| Average total loans | $60,992,250 | 3,729 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8054% | 3,965 |
| Cost of funding earning assets | 0.1537% | 3,528 |
| Net interest margin | 2.6517% | 3,811 |
| Noninterest income to average assets | 0.2621% | 3,599 |
| Noninterest expense to average assets | 1.8731% | 3,774 |
| Loan and lease loss provision to assets | 0.0884% | 1,115 |
| Net operating income to assets | 0.7205% | 3,238 |
| Return on assets (ROA) | 0.6818% | 3,326 |
| Pretax return on assets | 0.7245% | 3,520 |
| Return on Equity (ROE) | 9.7028% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.4159% | 3,303 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6825% | 2,143 |
| Assets per employee ($millions) | 6.0113% | 2,732 |
| Cash dividends to net income (ytd only)* | 64.7948% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,381 |
| Loan loss allowance to noncurrent loans | 177.9528% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,526 |
| Noncurrent loans to loans | 0.8480% | 1,009 |
| Net loans and leases to total assets | 42.6729% | 3,925 |
| Net loans and leases to deposits | 45.2000% | 4,058 |
| Net loans and leases to core deposits | 46.1183% | 4,119 |
| Total domestic deposits to total assets | 94.4091% | 214 |
| Equity capital to assets | 5.3291% | 4,413 |
| Core capital (leverage) ratio | 8.2450% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0818% | 983 |
| Memoranda: | ||
| Average total assets | $135,820,667 | 3,640 |
| Average earning assets | $126,257,333 | 3,640 |
| Average equity | $9,543,667 | 4,043 |
| Average total loans | $60,706,667 | 3,776 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8530% | 3,637 |
| Cost of funding earning assets | 0.1106% | 4,001 |
| Net interest margin | 2.7425% | 3,303 |
| Noninterest income to average assets | 0.2526% | 3,633 |
| Noninterest expense to average assets | 1.9198% | 3,636 |
| Loan and lease loss provision to assets | 0.0892% | 927 |
| Net operating income to assets | 0.7913% | 2,690 |
| Return on assets (ROA) | 0.9539% | 2,056 |
| Pretax return on assets | 0.9926% | 2,460 |
| Return on Equity (ROE) | 12.0773% | 1,284 |
| Retained earnings to average equity (ytd only) | 6.4337% | 2,096 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7859% | 2,534 |
| Assets per employee ($millions) | 7.7312% | 1,531 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,644 |
| Loan loss allowance to noncurrent loans | 174.8000% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,672 |
| Noncurrent loans to loans | 0.8419% | 1,112 |
| Net loans and leases to total assets | 42.0499% | 3,875 |
| Net loans and leases to deposits | 45.0623% | 4,018 |
| Net loans and leases to core deposits | 45.9819% | 4,075 |
| Total domestic deposits to total assets | 93.3149% | 201 |
| Equity capital to assets | 6.5435% | 4,412 |
| Core capital (leverage) ratio | 8.7146% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3411% | 992 |
| Memoranda: | ||
| Average total assets | $134,600,500 | 3,670 |
| Average earning assets | $126,602,000 | 3,652 |
| Average equity | $10,631,500 | 3,989 |
| Average total loans | $61,108,000 | 3,776 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 2,560 |
| Cost of funding earning assets | 0.1108% | 4,300 |
| Net interest margin | 3.4234% | 1,955 |
| Noninterest income to average assets | 0.2432% | 3,916 |
| Noninterest expense to average assets | 2.0023% | 3,667 |
| Loan and lease loss provision to assets | 0.0963% | 1,291 |
| Net operating income to assets | 1.3292% | 1,521 |
| Return on assets (ROA) | 1.4662% | 1,152 |
| Pretax return on assets | 1.5096% | 1,692 |
| Return on Equity (ROE) | 15.2700% | 890 |
| Retained earnings to average equity (ytd only) | 10.0463% | 909 |
| Net charge-offs to loans | -0.0184% | 3,944 |
| Credit loss provision to net charge-offs | -1,090.9091% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7546% | 3,480 |
| Assets per employee ($millions) | 6.1924% | 2,579 |
| Cash dividends to net income (ytd only)* | 34.2091% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,171 |
| Loan loss allowance to noncurrent loans | 112.8342% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 1,150 |
| Noncurrent loans to loans | 1.1906% | 807 |
| Net loans and leases to total assets | 47.6630% | 3,523 |
| Net loans and leases to deposits | 52.7350% | 3,685 |
| Net loans and leases to core deposits | 54.3989% | 3,731 |
| Total domestic deposits to total assets | 90.3822% | 770 |
| Equity capital to assets | 9.3487% | 3,274 |
| Core capital (leverage) ratio | 9.1519% | 3,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4927% | 1,166 |
| Memoranda: | ||
| Average total assets | $124,605,200 | 3,750 |
| Average earning assets | $117,339,000 | 3,719 |
| Average equity | $11,964,600 | 3,932 |
| Average total loans | $59,671,400 | 3,820 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 2,206 |
| Cost of funding earning assets | 0.1104% | 4,418 |
| Net interest margin | 3.6150% | 1,565 |
| Noninterest income to average assets | 0.2412% | 3,951 |
| Noninterest expense to average assets | 2.0014% | 3,665 |
| Loan and lease loss provision to assets | 0.0974% | 1,229 |
| Net operating income to assets | 1.5086% | 1,249 |
| Return on assets (ROA) | 1.6952% | 880 |
| Pretax return on assets | 1.7342% | 1,318 |
| Return on Equity (ROE) | 17.5327% | 683 |
| Retained earnings to average equity (ytd only) | 11.9383% | 847 |
| Net charge-offs to loans | -0.0249% | 4,056 |
| Credit loss provision to net charge-offs | -818.1818% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9451% | 3,665 |
| Assets per employee ($millions) | 5.3502% | 3,352 |
| Cash dividends to net income (ytd only)* | 31.9081% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 2,163 |
| Loan loss allowance to noncurrent loans | 198.0535% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 2,113 |
| Noncurrent loans to loans | 0.6887% | 1,602 |
| Net loans and leases to total assets | 47.8383% | 3,641 |
| Net loans and leases to deposits | 53.8823% | 3,749 |
| Net loans and leases to core deposits | 55.3225% | 3,827 |
| Total domestic deposits to total assets | 88.7830% | 1,408 |
| Equity capital to assets | 9.9964% | 2,903 |
| Core capital (leverage) ratio | 9.0757% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4115% | 1,065 |
| Memoranda: | ||
| Average total assets | $123,246,500 | 3,807 |
| Average earning assets | $115,957,500 | 3,776 |
| Average equity | $11,916,500 | 3,993 |
| Average total loans | $58,883,000 | 3,889 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 2,025 |
| Cost of funding earning assets | 0.1085% | 4,517 |
| Net interest margin | 3.7083% | 1,333 |
| Noninterest income to average assets | 0.2433% | 3,941 |
| Noninterest expense to average assets | 2.0436% | 3,563 |
| Loan and lease loss provision to assets | 0.0973% | 1,297 |
| Net operating income to assets | 1.5705% | 1,116 |
| Return on assets (ROA) | 1.7549% | 833 |
| Pretax return on assets | 1.7841% | 1,274 |
| Return on Equity (ROE) | 18.3571% | 611 |
| Retained earnings to average equity (ytd only) | 11.9949% | 920 |
| Net charge-offs to loans | -0.0375% | 4,248 |
| Credit loss provision to net charge-offs | -545.4545% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6875% | 3,717 |
| Assets per employee ($millions) | 5.4523% | 3,184 |
| Cash dividends to net income (ytd only)* | 34.6580% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 2,383 |
| Loan loss allowance to noncurrent loans | 190.7543% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 2,284 |
| Noncurrent loans to loans | 0.6874% | 1,705 |
| Net loans and leases to total assets | 47.0511% | 3,822 |
| Net loans and leases to deposits | 52.2169% | 3,980 |
| Net loans and leases to core deposits | 52.9198% | 4,091 |
| Total domestic deposits to total assets | 90.1072% | 721 |
| Equity capital to assets | 9.5683% | 3,272 |
| Core capital (leverage) ratio | 8.6795% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6131% | 1,205 |
| Memoranda: | ||
| Average total assets | $123,310,667 | 3,819 |
| Average earning assets | $116,172,333 | 3,787 |
| Average equity | $11,788,333 | 4,013 |
| Average total loans | $58,617,000 | 3,917 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3627% | 3,300 |
| Cost of funding earning assets | 0.1112% | 4,577 |
| Net interest margin | 3.2516% | 2,546 |
| Noninterest income to average assets | 0.2617% | 3,825 |
| Noninterest expense to average assets | 2.0317% | 3,624 |
| Loan and lease loss provision to assets | 0.0981% | 1,373 |
| Net operating income to assets | 1.1941% | 2,171 |
| Return on assets (ROA) | 1.5311% | 1,323 |
| Pretax return on assets | 1.5311% | 1,912 |
| Return on Equity (ROE) | 16.0233% | 1,010 |
| Retained earnings to average equity (ytd only) | 12.5995% | 1,000 |
| Net charge-offs to loans | -0.0758% | 4,547 |
| Credit loss provision to net charge-offs | -272.7273% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1220% | 2,889 |
| Assets per employee ($millions) | 5.0692% | 3,567 |
| Cash dividends to net income (ytd only)* | 21.3675% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,634 |
| Loan loss allowance to noncurrent loans | 214.8148% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 2,704 |
| Noncurrent loans to loans | 0.5850% | 2,110 |
| Net loans and leases to total assets | 48.7021% | 3,743 |
| Net loans and leases to deposits | 53.9828% | 3,937 |
| Net loans and leases to core deposits | 55.1126% | 4,037 |
| Total domestic deposits to total assets | 90.2178% | 715 |
| Equity capital to assets | 9.5841% | 3,124 |
| Core capital (leverage) ratio | 8.7797% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2179% | 1,239 |
| Memoranda: | ||
| Average total assets | $122,264,000 | 3,835 |
| Average earning assets | $115,144,500 | 3,794 |
| Average equity | $11,683,000 | 4,036 |
| Average total loans | $58,031,500 | 3,945 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 4,144 |
| Cost of funding earning assets | 0.2411% | 4,418 |
| Net interest margin | 3.1963% | 3,370 |
| Noninterest income to average assets | 0.2402% | 4,062 |
| Noninterest expense to average assets | 2.0647% | 4,013 |
| Loan and lease loss provision to assets | 0.1339% | 2,686 |
| Net operating income to assets | 1.0161% | 2,233 |
| Return on assets (ROA) | 1.1041% | 2,031 |
| Pretax return on assets | 1.1447% | 2,530 |
| Return on Equity (ROE) | 11.8375% | 1,371 |
| Retained earnings to average equity (ytd only) | 8.8272% | 811 |
| Net charge-offs to loans | -0.0039% | 4,075 |
| Credit loss provision to net charge-offs | -7,750.0000% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4963% | 2,896 |
| Assets per employee ($millions) | 5.8509% | 2,497 |
| Cash dividends to net income (ytd only)* | 25.4304% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,561 |
| Loan loss allowance to noncurrent loans | 112.4606% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,006 |
| Noncurrent loans to loans | 1.1310% | 1,255 |
| Net loans and leases to total assets | 45.0443% | 4,189 |
| Net loans and leases to deposits | 49.9842% | 4,317 |
| Net loans and leases to core deposits | 51.2572% | 4,380 |
| Total domestic deposits to total assets | 90.1170% | 520 |
| Equity capital to assets | 9.5273% | 3,582 |
| Core capital (leverage) ratio | 8.7488% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7934% | 1,933 |
| Memoranda: | ||
| Average total assets | $115,754,600 | 3,800 |
| Average earning assets | $109,063,400 | 3,779 |
| Average equity | $10,796,200 | 4,105 |
| Average total loans | $51,281,600 | 4,092 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5776% | 4,074 |
| Cost of funding earning assets | 0.2809% | 4,385 |
| Net interest margin | 3.2967% | 3,206 |
| Noninterest income to average assets | 0.2363% | 4,081 |
| Noninterest expense to average assets | 1.9828% | 4,193 |
| Loan and lease loss provision to assets | 0.1641% | 2,360 |
| Net operating income to assets | 1.1549% | 1,805 |
| Return on assets (ROA) | 1.2774% | 1,511 |
| Pretax return on assets | 1.3184% | 1,980 |
| Return on Equity (ROE) | 13.7761% | 921 |
| Retained earnings to average equity (ytd only) | 10.9376% | 588 |
| Net charge-offs to loans | -0.0053% | 4,063 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3903% | 3,467 |
| Assets per employee ($millions) | 5.8512% | 2,393 |
| Cash dividends to net income (ytd only)* | 20.6044% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,117 |
| Loan loss allowance to noncurrent loans | 187.6344% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 2,876 |
| Noncurrent loans to loans | 0.5952% | 2,311 |
| Net loans and leases to total assets | 52.8114% | 3,909 |
| Net loans and leases to deposits | 61.5190% | 3,958 |
| Net loans and leases to core deposits | 62.1375% | 4,097 |
| Total domestic deposits to total assets | 85.8456% | 2,130 |
| Equity capital to assets | 9.9518% | 3,271 |
| Core capital (leverage) ratio | 8.5465% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0482% | 2,177 |
| Memoranda: | ||
| Average total assets | $113,976,250 | 3,816 |
| Average earning assets | $107,257,500 | 3,803 |
| Average equity | $10,568,750 | 4,143 |
| Average total loans | $50,087,500 | 4,131 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 4,384 |
| Cost of funding earning assets | 0.3566% | 4,241 |
| Net interest margin | 3.1658% | 3,753 |
| Noninterest income to average assets | 0.2249% | 4,140 |
| Noninterest expense to average assets | 2.0007% | 4,234 |
| Loan and lease loss provision to assets | 0.1771% | 2,248 |
| Net operating income to assets | 0.9824% | 2,390 |
| Return on assets (ROA) | 1.1473% | 1,938 |
| Pretax return on assets | 1.1898% | 2,395 |
| Return on Equity (ROE) | 12.6939% | 1,173 |
| Retained earnings to average equity (ytd only) | 10.2452% | 742 |
| Net charge-offs to loans | -0.0087% | 4,164 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6039% | 3,028 |
| Assets per employee ($millions) | 5.5933% | 2,550 |
| Cash dividends to net income (ytd only)* | 19.2901% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,289 |
| Loan loss allowance to noncurrent loans | 90.8840% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 1,897 |
| Noncurrent loans to loans | 1.3682% | 1,130 |
| Net loans and leases to total assets | 44.4900% | 4,431 |
| Net loans and leases to deposits | 49.2977% | 4,561 |
| Net loans and leases to core deposits | 49.2977% | 4,636 |
| Total domestic deposits to total assets | 90.2477% | 334 |
| Equity capital to assets | 9.5207% | 3,644 |
| Core capital (leverage) ratio | 8.4889% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4081% | 1,662 |
| Memoranda: | ||
| Average total assets | $112,960,333 | 3,817 |
| Average earning assets | $106,006,333 | 3,807 |
| Average equity | $10,209,667 | 4,196 |
| Average total loans | $45,950,000 | 4,217 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4475% | 4,689 |
| Cost of funding earning assets | 0.5328% | 3,778 |
| Net interest margin | 2.9147% | 4,413 |
| Noninterest income to average assets | 0.2493% | 4,055 |
| Noninterest expense to average assets | 1.9908% | 4,412 |
| Loan and lease loss provision to assets | 0.2168% | 1,422 |
| Net operating income to assets | 0.7277% | 3,176 |
| Return on assets (ROA) | 0.7551% | 3,153 |
| Pretax return on assets | 0.7985% | 3,420 |
| Return on Equity (ROE) | 8.5982% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.5127% | 2,061 |
| Net charge-offs to loans | -0.0094% | 4,058 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8689% | 2,840 |
| Assets per employee ($millions) | 5.1742% | 2,460 |
| Cash dividends to net income (ytd only)* | 35.8852% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,467 |
| Loan loss allowance to noncurrent loans | 72.5882% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 1,675 |
| Noncurrent loans to loans | 2.0177% | 700 |
| Net loans and leases to total assets | 38.2030% | 4,724 |
| Net loans and leases to deposits | 42.0782% | 4,798 |
| Net loans and leases to core deposits | 42.5117% | 4,832 |
| Total domestic deposits to total assets | 90.7905% | 136 |
| Equity capital to assets | 8.9565% | 4,627 |
| Core capital (leverage) ratio | 8.5078% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3660% | 1,258 |
| Memoranda: | ||
| Average total assets | $110,710,500 | 3,838 |
| Average earning assets | $103,612,500 | 3,827 |
| Average equity | $9,723,000 | 4,269 |
| Average total loans | $42,467,000 | 4,318 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,622 |
| Cost of funding earning assets | 0.7185% | 3,078 |
| Net interest margin | 3.0395% | 4,469 |
| Noninterest income to average assets | 0.2942% | 3,928 |
| Noninterest expense to average assets | 2.1779% | 4,207 |
| Loan and lease loss provision to assets | 0.0369% | 3,274 |
| Net operating income to assets | 0.8887% | 3,257 |
| Return on assets (ROA) | 1.1991% | 2,159 |
| Pretax return on assets | 1.2108% | 2,803 |
| Return on Equity (ROE) | 13.2856% | 1,080 |
| Retained earnings to average equity (ytd only) | 5.6692% | 2,044 |
| Net charge-offs to loans | 0.0876% | 1,866 |
| Credit loss provision to net charge-offs | 108.5714% | 2,296 |
| Earnings coverage of net charge-offs (x) | 27.4857% | 1,665 |
| Efficiency ratio | 69.9844% | 2,175 |
| Assets per employee ($millions) | 5.9348% | 1,680 |
| Cash dividends to net income (ytd only)* | 57.3279% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,926 |
| Loan loss allowance to noncurrent loans | 170.0306% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,156 |
| Noncurrent loans to loans | 0.7639% | 1,986 |
| Net loans and leases to total assets | 37.4683% | 4,809 |
| Net loans and leases to deposits | 41.0872% | 4,884 |
| Net loans and leases to core deposits | 41.4932% | 4,915 |
| Total domestic deposits to total assets | 91.1921% | 93 |
| Equity capital to assets | 8.6146% | 4,864 |
| Core capital (leverage) ratio | 8.9702% | 4,550 |
| Tier 1 risk-based capital ratio | 15.8687% | 2,451 |
| Total risk-based capital ratio | 16.8249% | 2,491 |
| Memoranda: | ||
| Average total assets | $102,990,000 | 3,954 |
| Average earning assets | $95,477,200 | 3,944 |
| Average equity | $9,295,800 | 4,333 |
| Average total loans | $39,941,200 | 4,401 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,625 |
| Cost of funding earning assets | 0.7694% | 2,870 |
| Net interest margin | 3.0690% | 4,526 |
| Noninterest income to average assets | 0.2997% | 3,944 |
| Noninterest expense to average assets | 2.1920% | 4,195 |
| Loan and lease loss provision to assets | 0.0305% | 3,292 |
| Net operating income to assets | 0.9143% | 3,293 |
| Return on assets (ROA) | 1.2425% | 2,120 |
| Pretax return on assets | 1.2544% | 2,805 |
| Return on Equity (ROE) | 13.5923% | 1,082 |
| Retained earnings to average equity (ytd only) | 7.4127% | 1,666 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6880% | 2,165 |
| Assets per employee ($millions) | 4.7545% | 2,845 |
| Cash dividends to net income (ytd only)* | 45.4647% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,587 |
| Loan loss allowance to noncurrent loans | 120.5021% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 2,422 |
| Noncurrent loans to loans | 1.1595% | 1,364 |
| Net loans and leases to total assets | 40.7121% | 4,791 |
| Net loans and leases to deposits | 45.3292% | 4,886 |
| Net loans and leases to core deposits | 45.5834% | 4,928 |
| Total domestic deposits to total assets | 89.8142% | 335 |
| Equity capital to assets | 9.8463% | 4,165 |
| Core capital (leverage) ratio | 9.2495% | 4,429 |
| Tier 1 risk-based capital ratio | 16.4603% | 2,283 |
| Total risk-based capital ratio | 17.4896% | 2,282 |
| Memoranda: | ||
| Average total assets | $100,547,000 | 4,037 |
| Average earning assets | $93,230,000 | 4,031 |
| Average equity | $9,191,250 | 4,394 |
| Average total loans | $39,225,000 | 4,476 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 4,660 |
| Cost of funding earning assets | 0.7585% | 2,853 |
| Net interest margin | 3.0770% | 4,575 |
| Noninterest income to average assets | 0.3136% | 3,835 |
| Noninterest expense to average assets | 2.1075% | 4,405 |
| Loan and lease loss provision to assets | 0.0298% | 3,223 |
| Net operating income to assets | 1.0171% | 2,853 |
| Return on assets (ROA) | 1.5082% | 1,178 |
| Pretax return on assets | 1.5221% | 1,785 |
| Return on Equity (ROE) | 16.9303% | 473 |
| Retained earnings to average equity (ytd only) | 8.5320% | 1,189 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6248% | 2,726 |
| Assets per employee ($millions) | 4.7441% | 2,814 |
| Cash dividends to net income (ytd only)* | 49.6053% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,427 |
| Loan loss allowance to noncurrent loans | 74.3455% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 1,700 |
| Noncurrent loans to loans | 1.9480% | 746 |
| Net loans and leases to total assets | 38.7967% | 4,880 |
| Net loans and leases to deposits | 43.0107% | 4,975 |
| Net loans and leases to core deposits | 43.2513% | 5,011 |
| Total domestic deposits to total assets | 90.2025% | 281 |
| Equity capital to assets | 9.5265% | 4,380 |
| Core capital (leverage) ratio | 9.0886% | 4,562 |
| Tier 1 risk-based capital ratio | 16.5655% | 2,211 |
| Total risk-based capital ratio | 17.6074% | 2,225 |
| Memoranda: | ||
| Average total assets | $100,781,000 | 4,057 |
| Average earning assets | $93,338,000 | 4,048 |
| Average equity | $8,978,000 | 4,440 |
| Average total loans | $38,558,330 | 4,529 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 4,552 |
| Cost of funding earning assets | 0.7260% | 2,910 |
| Net interest margin | 3.1733% | 4,443 |
| Noninterest income to average assets | 0.2999% | 3,876 |
| Noninterest expense to average assets | 2.0719% | 4,509 |
| Loan and lease loss provision to assets | 0.0316% | 2,991 |
| Net operating income to assets | 1.1129% | 2,421 |
| Return on assets (ROA) | 1.1129% | 2,469 |
| Pretax return on assets | 1.1287% | 3,048 |
| Return on Equity (ROE) | 12.9336% | 1,238 |
| Retained earnings to average equity (ytd only) | -2.0639% | 4,749 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1026% | 3,224 |
| Assets per employee ($millions) | 4.6612% | 2,968 |
| Cash dividends to net income (ytd only)* | 115.9574% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,397 |
| Loan loss allowance to noncurrent loans | 243.9130% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,681 |
| Noncurrent loans to loans | 0.6064% | 2,518 |
| Net loans and leases to total assets | 38.1740% | 4,952 |
| Net loans and leases to deposits | 42.1545% | 5,038 |
| Net loans and leases to core deposits | 42.1545% | 5,076 |
| Total domestic deposits to total assets | 90.5574% | 265 |
| Equity capital to assets | 9.1882% | 4,548 |
| Core capital (leverage) ratio | 8.6513% | 4,915 |
| Tier 1 risk-based capital ratio | 16.4903% | 2,272 |
| Total risk-based capital ratio | 17.5659% | 2,278 |
| Memoranda: | ||
| Average total assets | $101,358,000 | 4,087 |
| Average earning assets | $93,657,500 | 4,084 |
| Average equity | $8,721,500 | 4,507 |
| Average total loans | $38,227,500 | 4,588 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 4,744 |
| Cost of funding earning assets | 0.5049% | 3,315 |
| Net interest margin | 3.1430% | 4,591 |
| Noninterest income to average assets | 0.2381% | 4,491 |
| Noninterest expense to average assets | 2.3488% | 3,993 |
| Loan and lease loss provision to assets | 0.0518% | 3,148 |
| Net operating income to assets | 0.7267% | 4,051 |
| Return on assets (ROA) | 0.7267% | 4,057 |
| Pretax return on assets | 0.7371% | 4,318 |
| Return on Equity (ROE) | 8.0634% | 3,405 |
| Retained earnings to average equity (ytd only) | -9.1661% | 5,310 |
| Net charge-offs to loans | 0.0449% | 2,531 |
| Credit loss provision to net charge-offs | 294.1176% | 1,040 |
| Earnings coverage of net charge-offs (x) | 44.8235% | 1,212 |
| Efficiency ratio | 74.8598% | 1,515 |
| Assets per employee ($millions) | 4.7650% | 2,790 |
| Cash dividends to net income (ytd only)* | 213.6752% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,504 |
| Loan loss allowance to noncurrent loans | 289.5288% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 3,899 |
| Noncurrent loans to loans | 0.4958% | 2,783 |
| Net loans and leases to total assets | 36.2244% | 5,063 |
| Net loans and leases to deposits | 39.4523% | 5,132 |
| Net loans and leases to core deposits | 39.4523% | 5,168 |
| Total domestic deposits to total assets | 91.8182% | 86 |
| Equity capital to assets | 8.0597% | 5,139 |
| Core capital (leverage) ratio | 9.3290% | 4,327 |
| Tier 1 risk-based capital ratio | 15.3128% | 2,695 |
| Total risk-based capital ratio | 16.2923% | 2,742 |
| Memoranda: | ||
| Average total assets | $96,600,600 | 4,156 |
| Average earning assets | $89,119,400 | 4,165 |
| Average equity | $8,706,000 | 4,497 |
| Average total loans | $37,877,400 | 4,612 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 4,725 |
| Cost of funding earning assets | 0.4791% | 3,337 |
| Net interest margin | 3.1719% | 4,569 |
| Noninterest income to average assets | 0.2214% | 4,639 |
| Noninterest expense to average assets | 2.4327% | 3,777 |
| Loan and lease loss provision to assets | 0.0494% | 3,004 |
| Net operating income to assets | 0.6628% | 4,337 |
| Return on assets (ROA) | 0.6628% | 4,350 |
| Pretax return on assets | 0.6713% | 4,602 |
| Return on Equity (ROE) | 7.1452% | 3,881 |
| Retained earnings to average equity (ytd only) | -15.6586% | 5,425 |
| Net charge-offs to loans | 0.0601% | 1,964 |
| Credit loss provision to net charge-offs | 205.8824% | 1,346 |
| Earnings coverage of net charge-offs (x) | 30.0538% | 1,607 |
| Efficiency ratio | 77.1467% | 1,213 |
| Assets per employee ($millions) | 4.1613% | 3,628 |
| Cash dividends to net income (ytd only)* | 319.1494% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 1,824 |
| Loan loss allowance to noncurrent loans | 120.0893% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,740 |
| Noncurrent loans to loans | 1.1383% | 1,489 |
| Net loans and leases to total assets | 42.4013% | 4,940 |
| Net loans and leases to deposits | 46.5717% | 5,040 |
| Net loans and leases to core deposits | 46.5717% | 5,094 |
| Total domestic deposits to total assets | 91.0452% | 206 |
| Equity capital to assets | 8.6598% | 4,823 |
| Core capital (leverage) ratio | 9.1865% | 4,524 |
| Tier 1 risk-based capital ratio | 15.3857% | 2,703 |
| Total risk-based capital ratio | 16.3705% | 2,755 |
| Memoranda: | ||
| Average total assets | $94,543,250 | 4,232 |
| Average earning assets | $87,389,000 | 4,237 |
| Average equity | $8,770,250 | 4,531 |
| Average total loans | $37,715,000 | 4,666 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 4,805 |
| Cost of funding earning assets | 0.4393% | 3,431 |
| Net interest margin | 3.1363% | 4,648 |
| Noninterest income to average assets | 0.1717% | 4,966 |
| Noninterest expense to average assets | 2.3906% | 3,925 |
| Loan and lease loss provision to assets | 0.0523% | 2,867 |
| Net operating income to assets | 0.6217% | 4,434 |
| Return on assets (ROA) | 0.6217% | 4,436 |
| Pretax return on assets | 0.6280% | 4,687 |
| Return on Equity (ROE) | 6.5628% | 4,040 |
| Retained earnings to average equity (ytd only) | -13.3245% | 5,454 |
| Net charge-offs to loans | 0.0915% | 1,429 |
| Credit loss provision to net charge-offs | 147.0588% | 1,594 |
| Earnings coverage of net charge-offs (x) | 19.1176% | 1,865 |
| Efficiency ratio | 77.8459% | 1,213 |
| Assets per employee ($millions) | 3.8018% | 4,209 |
| Cash dividends to net income (ytd only)* | 303.0303% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,700 |
| Loan loss allowance to noncurrent loans | 86.1338% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,221 |
| Noncurrent loans to loans | 1.6433% | 975 |
| Net loans and leases to total assets | 40.3049% | 5,048 |
| Net loans and leases to deposits | 44.5849% | 5,131 |
| Net loans and leases to core deposits | 44.5849% | 5,185 |
| Total domestic deposits to total assets | 90.4003% | 432 |
| Equity capital to assets | 9.3685% | 4,218 |
| Core capital (leverage) ratio | 9.5205% | 4,095 |
| Tier 1 risk-based capital ratio | 16.3495% | 2,309 |
| Total risk-based capital ratio | 17.3268% | 2,348 |
| Memoranda: | ||
| Average total assets | $95,541,330 | 4,256 |
| Average earning assets | $88,319,670 | 4,247 |
| Average equity | $9,051,000 | 4,535 |
| Average total loans | $37,168,000 | 4,725 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,751 |
| Cost of funding earning assets | 0.4085% | 3,524 |
| Net interest margin | 3.1704% | 4,553 |
| Noninterest income to average assets | 0.3153% | 4,045 |
| Noninterest expense to average assets | 2.3298% | 4,117 |
| Loan and lease loss provision to assets | 0.0614% | 2,548 |
| Net operating income to assets | 0.8476% | 3,515 |
| Return on assets (ROA) | 0.8476% | 3,533 |
| Pretax return on assets | 0.8476% | 4,024 |
| Return on Equity (ROE) | 8.9008% | 2,954 |
| Retained earnings to average equity (ytd only) | -12.5988% | 5,419 |
| Net charge-offs to loans | 0.1833% | 799 |
| Credit loss provision to net charge-offs | 88.2353% | 1,678 |
| Earnings coverage of net charge-offs (x) | 13.0588% | 1,770 |
| Efficiency ratio | 71.9343% | 2,206 |
| Assets per employee ($millions) | 4.4748% | 3,201 |
| Cash dividends to net income (ytd only)* | 241.5459% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,675 |
| Loan loss allowance to noncurrent loans | 144.2897% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 2,242 |
| Noncurrent loans to loans | 1.0028% | 1,821 |
| Net loans and leases to total assets | 37.5435% | 5,156 |
| Net loans and leases to deposits | 41.5837% | 5,233 |
| Net loans and leases to core deposits | 41.5837% | 5,275 |
| Total domestic deposits to total assets | 90.2842% | 549 |
| Equity capital to assets | 9.5019% | 4,086 |
| Core capital (leverage) ratio | 9.6648% | 3,885 |
| Tier 1 risk-based capital ratio | 16.9802% | 2,120 |
| Total risk-based capital ratio | 17.9422% | 2,159 |
| Memoranda: | ||
| Average total assets | $97,691,000 | 4,251 |
| Average earning assets | $90,083,000 | 4,267 |
| Average equity | $9,302,500 | 4,539 |
| Average total loans | $37,100,500 | 4,777 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 5,021 |
| Cost of funding earning assets | 0.3224% | 3,930 |
| Net interest margin | 3.0216% | 4,837 |
| Noninterest income to average assets | 0.6879% | 2,017 |
| Noninterest expense to average assets | 2.2886% | 4,364 |
| Loan and lease loss provision to assets | 0.0206% | 3,886 |
| Net operating income to assets | 1.1278% | 1,761 |
| Return on assets (ROA) | 1.1469% | 1,724 |
| Pretax return on assets | 1.1819% | 2,842 |
| Return on Equity (ROE) | 11.3625% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.6989% | 3,011 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9239% | 3,284 |
| Assets per employee ($millions) | 4.8291% | 2,700 |
| Cash dividends to net income (ytd only)* | 67.4460% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,953 |
| Loan loss allowance to noncurrent loans | 155.2239% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 2,471 |
| Noncurrent loans to loans | 0.8723% | 2,044 |
| Net loans and leases to total assets | 37.3559% | 5,247 |
| Net loans and leases to deposits | 41.3656% | 5,313 |
| Net loans and leases to core deposits | 41.3656% | 5,353 |
| Total domestic deposits to total assets | 90.3068% | 469 |
| Equity capital to assets | 9.5414% | 4,201 |
| Core capital (leverage) ratio | 10.0481% | 3,394 |
| Tier 1 risk-based capital ratio | 16.5007% | 2,265 |
| Total risk-based capital ratio | 17.4107% | 2,315 |
| Memoranda: | ||
| Average total assets | $96,960,800 | 4,294 |
| Average earning assets | $89,323,600 | 4,301 |
| Average equity | $9,786,600 | 4,488 |
| Average total loans | $35,134,200 | 4,865 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 5,075 |
| Cost of funding earning assets | 0.3168% | 3,961 |
| Net interest margin | 3.0084% | 4,896 |
| Noninterest income to average assets | 0.8249% | 1,498 |
| Noninterest expense to average assets | 2.2994% | 4,301 |
| Loan and lease loss provision to assets | 0.0070% | 3,988 |
| Net operating income to assets | 1.2460% | 1,525 |
| Return on assets (ROA) | 1.2700% | 1,464 |
| Pretax return on assets | 1.3173% | 2,406 |
| Return on Equity (ROE) | 12.4034% | 1,213 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,594 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8964% | 3,566 |
| Assets per employee ($millions) | 4.9802% | 2,478 |
| Cash dividends to net income (ytd only)* | 68.4556% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,158 |
| Loan loss allowance to noncurrent loans | 147.6608% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 2,484 |
| Noncurrent loans to loans | 0.9083% | 2,113 |
| Net loans and leases to total assets | 39.2564% | 5,221 |
| Net loans and leases to deposits | 45.2967% | 5,280 |
| Net loans and leases to core deposits | 45.2967% | 5,335 |
| Total domestic deposits to total assets | 86.6651% | 2,012 |
| Equity capital to assets | 10.5988% | 3,264 |
| Core capital (leverage) ratio | 9.8563% | 3,746 |
| Tier 1 risk-based capital ratio | 17.1049% | 2,127 |
| Total risk-based capital ratio | 18.0282% | 2,180 |
| Memoranda: | ||
| Average total assets | $95,848,250 | 4,352 |
| Average earning assets | $88,373,000 | 4,365 |
| Average equity | $9,814,250 | 4,527 |
| Average total loans | $34,317,000 | 4,939 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 5,199 |
| Cost of funding earning assets | 0.2842% | 4,241 |
| Net interest margin | 2.9485% | 5,006 |
| Noninterest income to average assets | 1.0514% | 921 |
| Noninterest expense to average assets | 2.1921% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5058% | 853 |
| Return on assets (ROA) | 1.5417% | 821 |
| Pretax return on assets | 1.6124% | 1,304 |
| Return on Equity (ROE) | 15.2320% | 628 |
| Retained earnings to average equity (ytd only) | 7.5339% | 1,337 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1908% | 4,565 |
| Assets per employee ($millions) | 4.7473% | 2,727 |
| Cash dividends to net income (ytd only)* | 50.5391% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,938 |
| Loan loss allowance to noncurrent loans | 96.1538% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 1,943 |
| Noncurrent loans to loans | 1.4590% | 1,297 |
| Net loans and leases to total assets | 37.0109% | 5,337 |
| Net loans and leases to deposits | 41.5961% | 5,408 |
| Net loans and leases to core deposits | 41.5961% | 5,454 |
| Total domestic deposits to total assets | 88.9768% | 970 |
| Equity capital to assets | 10.6862% | 3,141 |
| Core capital (leverage) ratio | 9.8663% | 3,698 |
| Tier 1 risk-based capital ratio | 17.7448% | 1,936 |
| Total risk-based capital ratio | 18.6852% | 1,983 |
| Memoranda: | ||
| Average total assets | $96,256,330 | 4,370 |
| Average earning assets | $88,655,330 | 4,385 |
| Average equity | $9,742,670 | 4,551 |
| Average total loans | $33,205,670 | 5,002 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 5,262 |
| Cost of funding earning assets | 0.2553% | 4,495 |
| Net interest margin | 2.9287% | 5,027 |
| Noninterest income to average assets | 0.2889% | 4,485 |
| Noninterest expense to average assets | 2.2164% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7393% | 3,519 |
| Return on assets (ROA) | 0.7512% | 3,523 |
| Pretax return on assets | 0.7842% | 4,168 |
| Return on Equity (ROE) | 7.6302% | 3,100 |
| Retained earnings to average equity (ytd only) | -0.7546% | 5,036 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1713% | 2,206 |
| Assets per employee ($millions) | 5.0043% | 2,443 |
| Cash dividends to net income (ytd only)* | 109.8901% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,462 |
| Loan loss allowance to noncurrent loans | 193.0502% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 2,735 |
| Noncurrent loans to loans | 0.8120% | 2,418 |
| Net loans and leases to total assets | 33.0192% | 5,498 |
| Net loans and leases to deposits | 36.8374% | 5,554 |
| Net loans and leases to core deposits | 36.9675% | 5,602 |
| Total domestic deposits to total assets | 89.6352% | 839 |
| Equity capital to assets | 10.1293% | 3,593 |
| Core capital (leverage) ratio | 9.5536% | 4,048 |
| Tier 1 risk-based capital ratio | 18.0051% | 1,874 |
| Total risk-based capital ratio | 19.0000% | 1,910 |
| Memoranda: | ||
| Average total assets | $96,912,000 | 4,410 |
| Average earning assets | $89,321,500 | 4,413 |
| Average equity | $9,541,000 | 4,616 |
| Average total loans | $31,988,500 | 5,094 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9383% | 5,547 |
| Cost of funding earning assets | 0.1893% | 5,113 |
| Net interest margin | 2.7490% | 5,359 |
| Noninterest income to average assets | 0.3012% | 4,584 |
| Noninterest expense to average assets | 2.1171% | 4,970 |
| Loan and lease loss provision to assets | 0.0318% | 3,719 |
| Net operating income to assets | 0.6449% | 4,018 |
| Return on assets (ROA) | 0.7255% | 3,777 |
| Pretax return on assets | 0.7626% | 4,293 |
| Return on Equity (ROE) | 6.9096% | 3,517 |
| Retained earnings to average equity (ytd only) | 2.8689% | 3,854 |
| Net charge-offs to loans | 0.0130% | 3,844 |
| Credit loss provision to net charge-offs | 750.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 167.2500% | 389 |
| Efficiency ratio | 74.8968% | 2,148 |
| Assets per employee ($millions) | 5.1970% | 2,178 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 1,473 |
| Loan loss allowance to noncurrent loans | 88.6525% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,058 |
| Noncurrent loans to loans | 1.7580% | 1,087 |
| Net loans and leases to total assets | 31.9840% | 5,598 |
| Net loans and leases to deposits | 35.4324% | 5,650 |
| Net loans and leases to core deposits | 35.5521% | 5,683 |
| Total domestic deposits to total assets | 90.2677% | 529 |
| Equity capital to assets | 9.5713% | 4,195 |
| Core capital (leverage) ratio | 9.7963% | 3,754 |
| Tier 1 risk-based capital ratio | 17.8491% | 1,893 |
| Total risk-based capital ratio | 18.8334% | 1,941 |
| Memoranda: | ||
| Average total assets | $94,281,400 | 4,460 |
| Average earning assets | $86,613,600 | 4,459 |
| Average equity | $9,899,200 | 4,600 |
| Average total loans | $30,872,400 | 5,163 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9804% | 5,587 |
| Cost of funding earning assets | 0.1806% | 5,260 |
| Net interest margin | 2.7997% | 5,360 |
| Noninterest income to average assets | 0.2977% | 4,635 |
| Noninterest expense to average assets | 2.2282% | 4,693 |
| Loan and lease loss provision to assets | 0.0072% | 4,084 |
| Net operating income to assets | 0.6071% | 4,265 |
| Return on assets (ROA) | 0.7170% | 3,900 |
| Pretax return on assets | 0.7499% | 4,472 |
| Return on Equity (ROE) | 6.6723% | 3,740 |
| Retained earnings to average equity (ytd only) | 2.6769% | 4,305 |
| Net charge-offs to loans | 0.0174% | 3,369 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 112.3171% | 604 |
| Efficiency ratio | 77.6171% | 1,749 |
| Assets per employee ($millions) | 4.6163% | 2,900 |
| Cash dividends to net income (ytd only)* | 59.8805% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,971 |
| Loan loss allowance to noncurrent loans | 78.6424% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 1,889 |
| Noncurrent loans to loans | 1.8461% | 1,100 |
| Net loans and leases to total assets | 36.7613% | 5,516 |
| Net loans and leases to deposits | 41.7547% | 5,585 |
| Net loans and leases to core deposits | 41.7547% | 5,637 |
| Total domestic deposits to total assets | 88.0411% | 1,384 |
| Equity capital to assets | 11.5507% | 2,470 |
| Core capital (leverage) ratio | 9.9466% | 3,632 |
| Tier 1 risk-based capital ratio | 18.3181% | 1,827 |
| Total risk-based capital ratio | 19.2867% | 1,878 |
| Memoranda: | ||
| Average total assets | $93,166,000 | 4,525 |
| Average earning assets | $85,625,250 | 4,515 |
| Average equity | $10,011,250 | 4,616 |
| Average total loans | $30,570,000 | 5,222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9207% | 5,718 |
| Cost of funding earning assets | 0.1740% | 5,375 |
| Net interest margin | 2.7468% | 5,509 |
| Noninterest income to average assets | 0.2969% | 4,659 |
| Noninterest expense to average assets | 2.1161% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6754% | 3,927 |
| Return on assets (ROA) | 0.8149% | 3,376 |
| Pretax return on assets | 0.8528% | 4,111 |
| Return on Equity (ROE) | 7.7623% | 3,111 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,506 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9441% | 2,226 |
| Assets per employee ($millions) | 5.0754% | 2,226 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,719 |
| Loan loss allowance to noncurrent loans | 77.1987% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 2,008 |
| Noncurrent loans to loans | 1.9934% | 999 |
| Net loans and leases to total assets | 33.1969% | 5,706 |
| Net loans and leases to deposits | 37.5128% | 5,758 |
| Net loans and leases to core deposits | 37.5128% | 5,799 |
| Total domestic deposits to total assets | 88.4947% | 1,169 |
| Equity capital to assets | 11.2054% | 2,842 |
| Core capital (leverage) ratio | 9.8293% | 3,777 |
| Tier 1 risk-based capital ratio | 18.8810% | 1,717 |
| Total risk-based capital ratio | 19.8788% | 1,736 |
| Memoranda: | ||
| Average total assets | $94,985,000 | 4,517 |
| Average earning assets | $87,375,330 | 4,518 |
| Average equity | $9,971,330 | 4,650 |
| Average total loans | $29,854,000 | 5,300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 5,768 |
| Cost of funding earning assets | 0.1707% | 5,462 |
| Net interest margin | 2.7453% | 5,550 |
| Noninterest income to average assets | 0.2934% | 4,624 |
| Noninterest expense to average assets | 1.9380% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8420% | 3,023 |
| Return on assets (ROA) | 0.9174% | 2,780 |
| Pretax return on assets | 0.9587% | 3,628 |
| Return on Equity (ROE) | 9.0258% | 2,413 |
| Retained earnings to average equity (ytd only) | 4.9601% | 2,969 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7683% | 3,334 |
| Assets per employee ($millions) | 5.3638% | 1,962 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,394 |
| Loan loss allowance to noncurrent loans | 78.7375% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 2,107 |
| Noncurrent loans to loans | 2.1423% | 973 |
| Net loans and leases to total assets | 30.2970% | 5,820 |
| Net loans and leases to deposits | 34.1184% | 5,866 |
| Net loans and leases to core deposits | 34.1184% | 5,889 |
| Total domestic deposits to total assets | 88.7996% | 1,207 |
| Equity capital to assets | 10.9756% | 2,970 |
| Core capital (leverage) ratio | 9.3316% | 4,452 |
| Tier 1 risk-based capital ratio | 19.6578% | 1,580 |
| Total risk-based capital ratio | 20.7042% | 1,591 |
| Memoranda: | ||
| Average total assets | $96,798,500 | 4,514 |
| Average earning assets | $89,024,500 | 4,526 |
| Average equity | $9,838,500 | 4,690 |
| Average total loans | $29,380,000 | 5,360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6017% | 5,962 |
| Cost of funding earning assets | 0.1303% | 5,813 |
| Net interest margin | 2.4714% | 5,845 |
| Noninterest income to average assets | 0.2908% | 4,813 |
| Noninterest expense to average assets | 1.9203% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6251% | 4,161 |
| Return on assets (ROA) | 0.6418% | 4,164 |
| Pretax return on assets | 0.6714% | 4,612 |
| Return on Equity (ROE) | 6.4357% | 3,819 |
| Retained earnings to average equity (ytd only) | 0.2967% | 5,392 |
| Net charge-offs to loans | -0.0181% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5937% | 2,489 |
| Assets per employee ($millions) | 6.0243% | 1,367 |
| Cash dividends to net income (ytd only)* | 95.3895% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,815 |
| Loan loss allowance to noncurrent loans | 76.3285% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 2,278 |
| Noncurrent loans to loans | 2.0254% | 1,024 |
| Net loans and leases to total assets | 29.4748% | 5,905 |
| Net loans and leases to deposits | 32.5955% | 5,961 |
| Net loans and leases to core deposits | 32.5955% | 5,981 |
| Total domestic deposits to total assets | 90.4260% | 462 |
| Equity capital to assets | 9.4412% | 4,625 |
| Core capital (leverage) ratio | 9.1719% | 4,657 |
| Tier 1 risk-based capital ratio | 15.6501% | 2,856 |
| Total risk-based capital ratio | 16.4947% | 2,995 |
| Memoranda: | ||
| Average total assets | $98,006,600 | 4,500 |
| Average earning assets | $90,557,400 | 4,496 |
| Average equity | $9,773,600 | 4,694 |
| Average total loans | $27,597,200 | 5,457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5880% | 6,051 |
| Cost of funding earning assets | 0.1233% | 5,961 |
| Net interest margin | 2.4647% | 5,933 |
| Noninterest income to average assets | 0.2931% | 4,851 |
| Noninterest expense to average assets | 1.9496% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5983% | 4,392 |
| Return on assets (ROA) | 0.5944% | 4,514 |
| Pretax return on assets | 0.6219% | 4,918 |
| Return on Equity (ROE) | 5.8776% | 4,209 |
| Retained earnings to average equity (ytd only) | -0.9251% | 5,752 |
| Net charge-offs to loans | -0.0249% | 5,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6944% | 2,286 |
| Assets per employee ($millions) | 5.4539% | 1,821 |
| Cash dividends to net income (ytd only)* | 115.7399% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,586 |
| Loan loss allowance to noncurrent loans | 121.2276% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 2,847 |
| Noncurrent loans to loans | 1.3673% | 1,873 |
| Net loans and leases to total assets | 30.3310% | 5,961 |
| Net loans and leases to deposits | 34.0332% | 6,017 |
| Net loans and leases to core deposits | 34.0332% | 6,046 |
| Total domestic deposits to total assets | 89.1217% | 964 |
| Equity capital to assets | 10.5353% | 3,569 |
| Core capital (leverage) ratio | 9.2937% | 4,593 |
| Tier 1 risk-based capital ratio | 17.8487% | 2,076 |
| Total risk-based capital ratio | 18.8228% | 2,123 |
| Memoranda: | ||
| Average total assets | $96,905,000 | 4,568 |
| Average earning assets | $89,746,000 | 4,561 |
| Average equity | $9,799,750 | 4,752 |
| Average total loans | $26,831,500 | 5,548 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5233% | 6,153 |
| Cost of funding earning assets | 0.1121% | 6,080 |
| Net interest margin | 2.4112% | 6,034 |
| Noninterest income to average assets | 0.2889% | 4,899 |
| Noninterest expense to average assets | 1.9003% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5938% | 4,378 |
| Return on assets (ROA) | 0.5880% | 4,496 |
| Pretax return on assets | 0.6144% | 4,942 |
| Return on Equity (ROE) | 5.8917% | 4,182 |
| Retained earnings to average equity (ytd only) | -0.2243% | 5,550 |
| Net charge-offs to loans | -0.0381% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3834% | 2,477 |
| Assets per employee ($millions) | 5.4219% | 1,819 |
| Cash dividends to net income (ytd only)* | 103.8062% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 1,465 |
| Loan loss allowance to noncurrent loans | 152.9032% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 3,173 |
| Noncurrent loans to loans | 1.1517% | 2,341 |
| Net loans and leases to total assets | 28.6888% | 6,077 |
| Net loans and leases to deposits | 32.1480% | 6,119 |
| Net loans and leases to core deposits | 32.3446% | 6,134 |
| Total domestic deposits to total assets | 89.2397% | 1,030 |
| Equity capital to assets | 10.4891% | 3,447 |
| Core capital (leverage) ratio | 9.1719% | 4,727 |
| Tier 1 risk-based capital ratio | 18.7504% | 1,858 |
| Total risk-based capital ratio | 19.7671% | 1,879 |
| Memoranda: | ||
| Average total assets | $98,301,000 | 4,582 |
| Average earning assets | $90,993,330 | 4,580 |
| Average equity | $9,810,330 | 4,783 |
| Average total loans | $26,243,330 | 5,625 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5649% | 6,198 |
| Cost of funding earning assets | 0.1110% | 6,154 |
| Net interest margin | 2.4539% | 6,063 |
| Noninterest income to average assets | 0.2723% | 5,002 |
| Noninterest expense to average assets | 1.7560% | 5,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7532% | 3,519 |
| Return on assets (ROA) | 0.7419% | 3,714 |
| Pretax return on assets | 0.7734% | 4,335 |
| Return on Equity (ROE) | 7.6102% | 3,160 |
| Retained earnings to average equity (ytd only) | -4.5337% | 5,899 |
| Net charge-offs to loans | -0.0772% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0994% | 3,637 |
| Assets per employee ($millions) | 5.6453% | 1,674 |
| Cash dividends to net income (ytd only)* | 159.5745% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 1,199 |
| Loan loss allowance to noncurrent loans | 408.6207% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 3,983 |
| Noncurrent loans to loans | 0.4758% | 4,155 |
| Net loans and leases to total assets | 24.9120% | 6,196 |
| Net loans and leases to deposits | 27.8687% | 6,221 |
| Net loans and leases to core deposits | 28.0321% | 6,232 |
| Total domestic deposits to total assets | 89.3904% | 1,052 |
| Equity capital to assets | 10.3574% | 3,707 |
| Core capital (leverage) ratio | 8.6518% | 5,376 |
| Tier 1 risk-based capital ratio | 18.2069% | 2,081 |
| Total risk-based capital ratio | 19.2056% | 2,106 |
| Memoranda: | ||
| Average total assets | $101,365,500 | 4,570 |
| Average earning assets | $93,727,500 | 4,557 |
| Average equity | $9,881,500 | 4,809 |
| Average total loans | $25,906,500 | 5,684 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6302% | 6,292 |
| Cost of funding earning assets | 0.1086% | 6,303 |
| Net interest margin | 2.5217% | 6,134 |
| Noninterest income to average assets | 0.2775% | 5,130 |
| Noninterest expense to average assets | 1.7743% | 6,097 |
| Loan and lease loss provision to assets | 0.1202% | 2,172 |
| Net operating income to assets | 0.7103% | 3,835 |
| Return on assets (ROA) | 0.7283% | 3,856 |
| Pretax return on assets | 0.7283% | 4,516 |
| Return on Equity (ROE) | 7.8503% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.6108% | 2,900 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1154% | 3,883 |
| Assets per employee ($millions) | 5.9312% | 1,430 |
| Cash dividends to net income (ytd only)* | 41.2655% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 1,751 |
| Loan loss allowance to noncurrent loans | 4,263.6364% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 4,607 |
| Noncurrent loans to loans | 0.0401% | 5,714 |
| Net loans and leases to total assets | 25.2545% | 6,291 |
| Net loans and leases to deposits | 27.8596% | 6,323 |
| Net loans and leases to core deposits | 28.0043% | 6,332 |
| Total domestic deposits to total assets | 90.6492% | 481 |
| Equity capital to assets | 9.2009% | 5,074 |
| Core capital (leverage) ratio | 8.9813% | 5,026 |
| Tier 1 risk-based capital ratio | 19.1339% | 1,807 |
| Total risk-based capital ratio | 20.1591% | 1,838 |
| Memoranda: | ||
| Average total assets | $99,816,400 | 4,605 |
| Average earning assets | $92,121,000 | 4,605 |
| Average equity | $9,260,800 | 4,910 |
| Average total loans | $25,108,400 | 5,776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6741% | 6,346 |
| Cost of funding earning assets | 0.1122% | 6,369 |
| Net interest margin | 2.5620% | 6,169 |
| Noninterest income to average assets | 0.2868% | 5,150 |
| Noninterest expense to average assets | 1.7727% | 6,125 |
| Loan and lease loss provision to assets | 0.1631% | 1,523 |
| Net operating income to assets | 0.7110% | 3,884 |
| Return on assets (ROA) | 0.7341% | 3,865 |
| Pretax return on assets | 0.7341% | 4,578 |
| Return on Equity (ROE) | 7.8943% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.8943% | 1,412 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9748% | 4,049 |
| Assets per employee ($millions) | 5.2372% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 1,573 |
| Loan loss allowance to noncurrent loans | 86.5314% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 3,002 |
| Noncurrent loans to loans | 2.1384% | 1,443 |
| Net loans and leases to total assets | 26.3891% | 6,350 |
| Net loans and leases to deposits | 29.5743% | 6,376 |
| Net loans and leases to core deposits | 29.7511% | 6,391 |
| Total domestic deposits to total assets | 89.2299% | 1,110 |
| Equity capital to assets | 10.4530% | 3,621 |
| Core capital (leverage) ratio | 9.5027% | 4,367 |
| Tier 1 risk-based capital ratio | 21.3428% | 1,385 |
| Total risk-based capital ratio | 22.4718% | 1,382 |
| Memoranda: | ||
| Average total assets | $98,080,250 | 4,694 |
| Average earning assets | $90,345,500 | 4,697 |
| Average equity | $9,120,250 | 4,980 |
| Average total loans | $24,527,750 | 5,860 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6374% | 6,426 |
| Cost of funding earning assets | 0.1117% | 6,442 |
| Net interest margin | 2.5257% | 6,243 |
| Noninterest income to average assets | 0.2838% | 5,151 |
| Noninterest expense to average assets | 1.7353% | 6,232 |
| Loan and lease loss provision to assets | 0.2416% | 927 |
| Net operating income to assets | 0.6281% | 4,205 |
| Return on assets (ROA) | 0.6361% | 4,279 |
| Pretax return on assets | 0.6361% | 4,832 |
| Return on Equity (ROE) | 7.1206% | 3,562 |
| Retained earnings to average equity (ytd only) | 7.1206% | 1,706 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6151% | 4,260 |
| Assets per employee ($millions) | 5.4958% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 1,721 |
| Loan loss allowance to noncurrent loans | 36.3566% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3807% | 2,364 |
| Noncurrent loans to loans | 5.0704% | 386 |
| Net loans and leases to total assets | 26.7297% | 6,400 |
| Net loans and leases to deposits | 29.9771% | 6,429 |
| Net loans and leases to core deposits | 30.1581% | 6,449 |
| Total domestic deposits to total assets | 89.1671% | 1,270 |
| Equity capital to assets | 10.2485% | 3,760 |
| Core capital (leverage) ratio | 9.1156% | 4,857 |
| Tier 1 risk-based capital ratio | 21.1892% | 1,411 |
| Total risk-based capital ratio | 22.3391% | 1,405 |
| Memoranda: | ||
| Average total assets | $99,350,330 | 4,699 |
| Average earning assets | $91,300,670 | 4,695 |
| Average equity | $8,875,670 | 5,060 |
| Average total loans | $24,255,000 | 5,916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6582% | 6,493 |
| Cost of funding earning assets | 0.1111% | 6,526 |
| Net interest margin | 2.5470% | 6,290 |
| Noninterest income to average assets | 0.2776% | 5,153 |
| Noninterest expense to average assets | 1.6733% | 6,370 |
| Loan and lease loss provision to assets | 0.2346% | 944 |
| Net operating income to assets | 0.6998% | 3,692 |
| Return on assets (ROA) | 0.7155% | 3,689 |
| Pretax return on assets | 0.7155% | 4,440 |
| Return on Equity (ROE) | 8.5855% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5855% | 1,387 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1679% | 4,834 |
| Assets per employee ($millions) | 5.7720% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 2,277 |
| Loan loss allowance to noncurrent loans | 44.8957% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 3,408 |
| Noncurrent loans to loans | 3.8376% | 723 |
| Net loans and leases to total assets | 23.7760% | 6,512 |
| Net loans and leases to deposits | 26.1964% | 6,540 |
| Net loans and leases to core deposits | 26.4189% | 6,547 |
| Total domestic deposits to total assets | 90.7607% | 662 |
| Equity capital to assets | 9.0416% | 5,069 |
| Core capital (leverage) ratio | 8.5119% | 5,625 |
| Tier 1 risk-based capital ratio | 21.1957% | 1,435 |
| Total risk-based capital ratio | 22.2145% | 1,460 |
| Memoranda: | ||
| Average total assets | $102,311,500 | 4,676 |
| Average earning assets | $93,598,500 | 4,694 |
| Average equity | $8,526,000 | 5,173 |
| Average total loans | $23,661,500 | 5,996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5295% | 6,606 |
| Cost of funding earning assets | 0.1249% | 6,622 |
| Net interest margin | 2.4046% | 6,440 |
| Noninterest income to average assets | 0.2643% | 5,454 |
| Noninterest expense to average assets | 1.7390% | 6,402 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6494% | 4,033 |
| Return on assets (ROA) | 0.6513% | 4,133 |
| Pretax return on assets | 0.6810% | 4,607 |
| Return on Equity (ROE) | 7.3860% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.6510% | 5,540 |
| Net charge-offs to loans | 0.0177% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 271 |
| Efficiency ratio | 71.9198% | 3,492 |
| Assets per employee ($millions) | 6.2646% | 1,103 |
| Cash dividends to net income (ytd only)* | 91.1854% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,284 |
| Loan loss allowance to noncurrent loans | 44.6863% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 4,050 |
| Noncurrent loans to loans | 3.3116% | 983 |
| Net loans and leases to total assets | 21.8171% | 6,640 |
| Net loans and leases to deposits | 23.6585% | 6,671 |
| Net loans and leases to core deposits | 23.8405% | 6,670 |
| Total domestic deposits to total assets | 92.2168% | 246 |
| Equity capital to assets | 7.6808% | 6,194 |
| Core capital (leverage) ratio | 8.6255% | 5,507 |
| Tier 1 risk-based capital ratio | 19.7551% | 1,714 |
| Total risk-based capital ratio | 20.5832% | 1,792 |
| Memoranda: | ||
| Average total assets | $101,032,800 | 4,714 |
| Average earning assets | $90,492,600 | 4,761 |
| Average equity | $8,908,800 | 5,107 |
| Average total loans | $22,592,400 | 6,095 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5048% | 6,692 |
| Cost of funding earning assets | 0.1303% | 6,699 |
| Net interest margin | 2.3745% | 6,535 |
| Noninterest income to average assets | 0.2622% | 5,572 |
| Noninterest expense to average assets | 1.7699% | 6,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5876% | 4,403 |
| Return on assets (ROA) | 0.6261% | 4,360 |
| Pretax return on assets | 0.6542% | 4,840 |
| Return on Equity (ROE) | 6.8637% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.4639% | 4,852 |
| Net charge-offs to loans | 0.0239% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 114.8180% | 445 |
| Efficiency ratio | 74.2424% | 3,024 |
| Assets per employee ($millions) | 5.5078% | 1,612 |
| Cash dividends to net income (ytd only)* | 64.1030% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,376 |
| Loan loss allowance to noncurrent loans | 79.8627% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 5,032 |
| Noncurrent loans to loans | 1.9015% | 2,367 |
| Net loans and leases to total assets | 24.1723% | 6,687 |
| Net loans and leases to deposits | 26.6984% | 6,714 |
| Net loans and leases to core deposits | 26.9367% | 6,728 |
| Total domestic deposits to total assets | 90.5385% | 730 |
| Equity capital to assets | 9.1849% | 4,958 |
| Core capital (leverage) ratio | 9.0784% | 4,998 |
| Tier 1 risk-based capital ratio | 21.6117% | 1,382 |
| Total risk-based capital ratio | 22.5057% | 1,411 |
| Memoranda: | ||
| Average total assets | $99,666,250 | 4,792 |
| Average earning assets | $89,055,000 | 4,847 |
| Average equity | $9,091,000 | 5,118 |
| Average total loans | $22,344,500 | 6,168 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4514% | 6,751 |
| Cost of funding earning assets | 0.1311% | 6,754 |
| Net interest margin | 2.3202% | 6,603 |
| Noninterest income to average assets | 0.2832% | 5,422 |
| Noninterest expense to average assets | 1.6975% | 6,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6118% | 4,230 |
| Return on assets (ROA) | 0.6137% | 4,396 |
| Pretax return on assets | 0.6412% | 4,871 |
| Return on Equity (ROE) | 6.7425% | 3,745 |
| Retained earnings to average equity (ytd only) | 0.2593% | 5,779 |
| Net charge-offs to loans | 0.0361% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 81.2500% | 558 |
| Efficiency ratio | 72.6431% | 3,361 |
| Assets per employee ($millions) | 5.3022% | 1,789 |
| Cash dividends to net income (ytd only)* | 96.1538% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 3,149 |
| Loan loss allowance to noncurrent loans | 78.6036% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,110 |
| Noncurrent loans to loans | 2.0397% | 2,356 |
| Net loans and leases to total assets | 22.4424% | 6,754 |
| Net loans and leases to deposits | 25.5820% | 6,771 |
| Net loans and leases to core deposits | 25.8132% | 6,781 |
| Total domestic deposits to total assets | 87.7274% | 2,429 |
| Equity capital to assets | 8.6295% | 5,638 |
| Core capital (leverage) ratio | 8.4233% | 5,748 |
| Tier 1 risk-based capital ratio | 21.3696% | 1,405 |
| Total risk-based capital ratio | 22.2704% | 1,466 |
| Memoranda: | ||
| Average total assets | $101,677,670 | 4,773 |
| Average earning assets | $89,990,670 | 4,846 |
| Average equity | $9,254,670 | 5,113 |
| Average total loans | $22,132,000 | 6,218 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3600% | 6,848 |
| Cost of funding earning assets | 0.1367% | 6,828 |
| Net interest margin | 2.2233% | 6,743 |
| Noninterest income to average assets | 0.2634% | 5,577 |
| Noninterest expense to average assets | 1.6833% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4811% | 4,772 |
| Return on assets (ROA) | 0.4847% | 4,909 |
| Pretax return on assets | 0.5077% | 5,228 |
| Return on Equity (ROE) | 5.2028% | 4,460 |
| Retained earnings to average equity (ytd only) | -7.0873% | 6,479 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9634% | 2,768 |
| Assets per employee ($millions) | 5.6342% | 1,554 |
| Cash dividends to net income (ytd only)* | 236.2205% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,297 |
| Loan loss allowance to noncurrent loans | 77.7533% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 5,261 |
| Noncurrent loans to loans | 2.0896% | 2,518 |
| Net loans and leases to total assets | 21.0758% | 6,836 |
| Net loans and leases to deposits | 23.3246% | 6,873 |
| Net loans and leases to core deposits | 23.4526% | 6,876 |
| Total domestic deposits to total assets | 90.3584% | 847 |
| Equity capital to assets | 9.4601% | 4,906 |
| Core capital (leverage) ratio | 7.8094% | 6,277 |
| Tier 1 risk-based capital ratio | 20.3203% | 1,693 |
| Total risk-based capital ratio | 21.2064% | 1,753 |
| Memoranda: | ||
| Average total assets | $104,796,500 | 4,749 |
| Average earning assets | $90,677,000 | 4,875 |
| Average equity | $9,764,000 | 5,047 |
| Average total loans | $22,314,000 | 6,257 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0089% | 6,768 |
| Cost of funding earning assets | 0.1654% | 6,895 |
| Net interest margin | 2.8435% | 6,329 |
| Noninterest income to average assets | 0.2280% | 5,811 |
| Noninterest expense to average assets | 1.8557% | 6,545 |
| Loan and lease loss provision to assets | 0.0487% | 5,209 |
| Net operating income to assets | 0.6712% | 3,875 |
| Return on assets (ROA) | 0.6606% | 4,194 |
| Pretax return on assets | 0.6905% | 4,696 |
| Return on Equity (ROE) | 7.0182% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.4915% | 3,760 |
| Net charge-offs to loans | 0.0087% | 5,823 |
| Credit loss provision to net charge-offs | 2,200.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 118 |
| Efficiency ratio | 71.2102% | 3,590 |
| Assets per employee ($millions) | 6.0099% | 1,267 |
| Cash dividends to net income (ytd only)* | 50.2513% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,564 |
| Loan loss allowance to noncurrent loans | 2,076.4706% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 6,638 |
| Noncurrent loans to loans | 0.0742% | 6,298 |
| Net loans and leases to total assets | 20.8434% | 6,913 |
| Net loans and leases to deposits | 22.9805% | 6,944 |
| Net loans and leases to core deposits | 23.0982% | 6,947 |
| Total domestic deposits to total assets | 90.7005% | 615 |
| Equity capital to assets | 9.1830% | 5,288 |
| Core capital (leverage) ratio | 8.6043% | 5,459 |
| Tier 1 risk-based capital ratio | 19.6511% | 1,773 |
| Total risk-based capital ratio | 20.4901% | 1,861 |
| Memoranda: | ||
| Average total assets | $90,369,200 | 5,074 |
| Average earning assets | $75,576,400 | 5,256 |
| Average equity | $8,506,400 | 5,361 |
| Average total loans | $22,926,200 | 6,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 6,777 |
| Cost of funding earning assets | 0.1756% | 6,994 |
| Net interest margin | 3.0504% | 6,063 |
| Noninterest income to average assets | 0.2436% | 5,804 |
| Noninterest expense to average assets | 1.9165% | 6,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8752% | 3,107 |
| Return on assets (ROA) | 0.8752% | 3,351 |
| Pretax return on assets | 0.9156% | 4,042 |
| Return on Equity (ROE) | 9.2273% | 2,702 |
| Retained earnings to average equity (ytd only) | 4.3192% | 3,850 |
| Net charge-offs to loans | 0.0116% | 5,545 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 294.6255% | 157 |
| Efficiency ratio | 67.6712% | 4,138 |
| Assets per employee ($millions) | 4.8788% | 2,343 |
| Cash dividends to net income (ytd only)* | 53.1916% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 4,577 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,814 |
| Noncurrent loans to loans | 0.0087% | 6,652 |
| Net loans and leases to total assets | 25.7020% | 6,928 |
| Net loans and leases to deposits | 29.0916% | 6,964 |
| Net loans and leases to core deposits | 29.2803% | 6,976 |
| Total domestic deposits to total assets | 88.3486% | 1,813 |
| Equity capital to assets | 11.3314% | 2,902 |
| Core capital (leverage) ratio | 9.5243% | 4,231 |
| Tier 1 risk-based capital ratio | 20.5664% | 1,624 |
| Total risk-based capital ratio | 21.3381% | 1,704 |
| Memoranda: | ||
| Average total assets | $85,917,000 | 5,242 |
| Average earning assets | $72,907,500 | 5,404 |
| Average equity | $8,149,500 | 5,508 |
| Average total loans | $22,932,500 | 6,379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 6,789 |
| Cost of funding earning assets | 0.1962% | 7,038 |
| Net interest margin | 3.1395% | 5,891 |
| Noninterest income to average assets | 0.2556% | 5,751 |
| Noninterest expense to average assets | 1.8925% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9099% | 2,863 |
| Return on assets (ROA) | 0.9099% | 3,128 |
| Pretax return on assets | 0.9521% | 3,879 |
| Return on Equity (ROE) | 10.2795% | 2,250 |
| Retained earnings to average equity (ytd only) | 2.3314% | 5,024 |
| Net charge-offs to loans | -0.0087% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5293% | 4,424 |
| Assets per employee ($millions) | 4.6555% | 2,630 |
| Cash dividends to net income (ytd only)* | 77.3196% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 27.1029% | 6,953 |
| Net loans and leases to deposits | 29.9137% | 7,009 |
| Net loans and leases to core deposits | 30.1120% | 7,021 |
| Total domestic deposits to total assets | 90.6037% | 614 |
| Equity capital to assets | 9.1218% | 5,558 |
| Core capital (leverage) ratio | 7.2168% | 6,749 |
| Tier 1 risk-based capital ratio | 16.6337% | 2,842 |
| Total risk-based capital ratio | 17.4903% | 3,006 |
| Memoranda: | ||
| Average total assets | $85,283,330 | 5,296 |
| Average earning assets | $70,330,000 | 5,512 |
| Average equity | $7,549,000 | 5,695 |
| Average total loans | $22,950,000 | 6,418 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 6,834 |
| Cost of funding earning assets | 0.2103% | 7,089 |
| Net interest margin | 3.1717% | 5,843 |
| Noninterest income to average assets | 0.2790% | 5,634 |
| Noninterest expense to average assets | 1.9064% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9253% | 2,810 |
| Return on assets (ROA) | 0.9253% | 3,015 |
| Pretax return on assets | 0.9672% | 3,804 |
| Return on Equity (ROE) | 10.6112% | 2,185 |
| Retained earnings to average equity (ytd only) | -5.3856% | 6,606 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3430% | 4,494 |
| Assets per employee ($millions) | 4.7181% | 2,638 |
| Cash dividends to net income (ytd only)* | 150.7538% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,429 |
| Loan loss allowance to noncurrent loans | 15,550.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,950 |
| Noncurrent loans to loans | 0.0093% | 6,770 |
| Net loans and leases to total assets | 25.0868% | 7,058 |
| Net loans and leases to deposits | 27.5664% | 7,101 |
| Net loans and leases to core deposits | 27.7459% | 7,108 |
| Total domestic deposits to total assets | 91.0050% | 553 |
| Equity capital to assets | 8.7583% | 5,798 |
| Core capital (leverage) ratio | 6.9288% | 6,866 |
| Tier 1 risk-based capital ratio | 17.0002% | 2,683 |
| Total risk-based capital ratio | 17.9009% | 2,796 |
| Memoranda: | ||
| Average total assets | $86,025,500 | 5,311 |
| Average earning assets | $70,372,500 | 5,548 |
| Average equity | $7,501,500 | 5,735 |
| Average total loans | $22,913,000 | 6,464 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 6,703 |
| Cost of funding earning assets | 0.3424% | 7,029 |
| Net interest margin | 3.4804% | 5,220 |
| Noninterest income to average assets | 0.2432% | 5,802 |
| Noninterest expense to average assets | 2.1461% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1400% | 1,697 |
| Return on assets (ROA) | 1.1966% | 1,630 |
| Pretax return on assets | 1.2516% | 2,295 |
| Return on Equity (ROE) | 14.2231% | 881 |
| Retained earnings to average equity (ytd only) | 9.6596% | 638 |
| Net charge-offs to loans | -0.0555% | 7,067 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2775% | 5,076 |
| Assets per employee ($millions) | 5.1251% | 2,025 |
| Cash dividends to net income (ytd only)* | 32.0856% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.4304% | 7,079 |
| Net loans and leases to deposits | 30.0961% | 7,131 |
| Net loans and leases to core deposits | 30.2868% | 7,149 |
| Total domestic deposits to total assets | 91.1427% | 443 |
| Equity capital to assets | 8.6828% | 5,920 |
| Core capital (leverage) ratio | 7.4159% | 6,692 |
| Tier 1 risk-based capital ratio | 16.2255% | 2,944 |
| Total risk-based capital ratio | 17.0707% | 3,106 |
| Memoranda: | ||
| Average total assets | $78,140,800 | 5,500 |
| Average earning assets | $69,504,200 | 5,553 |
| Average equity | $6,573,800 | 5,992 |
| Average total loans | $23,441,600 | 6,491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 6,804 |
| Cost of funding earning assets | 0.3805% | 7,060 |
| Net interest margin | 3.4498% | 5,393 |
| Noninterest income to average assets | 0.2442% | 5,873 |
| Noninterest expense to average assets | 2.1679% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1765% | 1,725 |
| Return on assets (ROA) | 1.2051% | 1,746 |
| Pretax return on assets | 1.2596% | 2,431 |
| Return on Equity (ROE) | 14.4584% | 948 |
| Retained earnings to average equity (ytd only) | 8.1355% | 1,456 |
| Net charge-offs to loans | -0.0803% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8056% | 5,112 |
| Assets per employee ($millions) | 4.2483% | 3,366 |
| Cash dividends to net income (ytd only)* | 43.7320% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,112 |
| Loan loss allowance to noncurrent loans | 15,600.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,085 |
| Noncurrent loans to loans | 0.0082% | 6,942 |
| Net loans and leases to total assets | 31.5422% | 7,034 |
| Net loans and leases to deposits | 34.9991% | 7,098 |
| Net loans and leases to core deposits | 35.2549% | 7,137 |
| Total domestic deposits to total assets | 90.1228% | 803 |
| Equity capital to assets | 9.5019% | 5,083 |
| Core capital (leverage) ratio | 7.3755% | 6,824 |
| Tier 1 risk-based capital ratio | 16.0533% | 3,092 |
| Total risk-based capital ratio | 16.9285% | 3,253 |
| Memoranda: | ||
| Average total assets | $75,894,500 | 5,617 |
| Average earning assets | $69,374,000 | 5,602 |
| Average equity | $6,326,000 | 6,106 |
| Average total loans | $23,249,500 | 6,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 6,939 |
| Cost of funding earning assets | 0.4007% | 7,123 |
| Net interest margin | 3.3828% | 5,601 |
| Noninterest income to average assets | 0.2378% | 5,953 |
| Noninterest expense to average assets | 2.1426% | 6,518 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1228% | 1,814 |
| Return on assets (ROA) | 1.1228% | 1,893 |
| Pretax return on assets | 1.1730% | 2,584 |
| Return on Equity (ROE) | 14.1368% | 952 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,549 |
| Net charge-offs to loans | -0.1225% | 7,205 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6215% | 5,128 |
| Assets per employee ($millions) | 4.2514% | 3,249 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,778 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 7,048 |
| Noncurrent loans to loans | 0.0785% | 6,785 |
| Net loans and leases to total assets | 29.5703% | 7,194 |
| Net loans and leases to deposits | 32.4602% | 7,265 |
| Net loans and leases to core deposits | 32.6947% | 7,287 |
| Total domestic deposits to total assets | 91.0971% | 469 |
| Equity capital to assets | 8.6297% | 6,028 |
| Core capital (leverage) ratio | 6.9955% | 6,998 |
| Tier 1 risk-based capital ratio | 15.9464% | 3,002 |
| Total risk-based capital ratio | 16.8574% | 3,138 |
| Memoranda: | ||
| Average total assets | $75,703,000 | 5,665 |
| Average earning assets | $68,878,000 | 5,665 |
| Average equity | $6,012,670 | 6,229 |
| Average total loans | $22,855,330 | 6,646 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 7,051 |
| Cost of funding earning assets | 0.4179% | 7,187 |
| Net interest margin | 3.3014% | 5,772 |
| Noninterest income to average assets | 0.2284% | 6,088 |
| Noninterest expense to average assets | 2.1516% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9722% | 2,273 |
| Return on assets (ROA) | 0.9722% | 2,339 |
| Pretax return on assets | 1.0147% | 3,080 |
| Return on Equity (ROE) | 12.8039% | 1,244 |
| Retained earnings to average equity (ytd only) | -8.1861% | 6,763 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9530% | 4,659 |
| Assets per employee ($millions) | 4.7687% | 2,471 |
| Cash dividends to net income (ytd only)* | 163.9344% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 4,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 28.1275% | 7,292 |
| Net loans and leases to deposits | 30.4922% | 7,351 |
| Net loans and leases to core deposits | 30.7103% | 7,371 |
| Total domestic deposits to total assets | 92.2450% | 227 |
| Equity capital to assets | 7.5637% | 6,834 |
| Core capital (leverage) ratio | 6.9006% | 7,046 |
| Tier 1 risk-based capital ratio | 15.5696% | 3,126 |
| Total risk-based capital ratio | 16.4588% | 3,271 |
| Memoranda: | ||
| Average total assets | $75,291,500 | 5,717 |
| Average earning assets | $67,001,500 | 5,764 |
| Average equity | $5,717,000 | 6,333 |
| Average total loans | $22,812,500 | 6,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 6,665 |
| Cost of funding earning assets | 0.6319% | 7,058 |
| Net interest margin | 3.7420% | 4,170 |
| Noninterest income to average assets | 0.3007% | 5,642 |
| Noninterest expense to average assets | 2.3169% | 6,311 |
| Loan and lease loss provision to assets | 0.1326% | 5,849 |
| Net operating income to assets | 1.1585% | 1,517 |
| Return on assets (ROA) | 1.1585% | 1,601 |
| Pretax return on assets | 1.2115% | 2,184 |
| Return on Equity (ROE) | 13.7793% | 932 |
| Retained earnings to average equity (ytd only) | 9.3966% | 620 |
| Net charge-offs to loans | 1.1391% | 1,958 |
| Credit loss provision to net charge-offs | 33.9623% | 6,461 |
| Earnings coverage of net charge-offs (x) | 3.4415% | 3,353 |
| Efficiency ratio | 63.2850% | 5,463 |
| Assets per employee ($millions) | 4.6428% | 2,635 |
| Cash dividends to net income (ytd only)* | 31.8066% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 5,274 |
| Loan loss allowance to noncurrent loans | 29,800.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 7,277 |
| Noncurrent loans to loans | 0.0042% | 7,158 |
| Net loans and leases to total assets | 31.7269% | 7,300 |
| Net loans and leases to deposits | 34.3797% | 7,389 |
| Net loans and leases to core deposits | 34.6323% | 7,412 |
| Total domestic deposits to total assets | 92.2837% | 221 |
| Equity capital to assets | 7.6234% | 6,800 |
| Core capital (leverage) ratio | 7.3438% | 6,822 |
| Tier 1 risk-based capital ratio | 15.4385% | 3,023 |
| Total risk-based capital ratio | 16.3007% | 3,172 |
| Memoranda: | ||
| Average total assets | $67,849,000 | 5,938 |
| Average earning assets | $60,929,400 | 5,962 |
| Average equity | $5,704,200 | 6,457 |
| Average total loans | $23,263,600 | 6,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 6,669 |
| Cost of funding earning assets | 0.6931% | 7,079 |
| Net interest margin | 3.7767% | 4,070 |
| Noninterest income to average assets | 0.3180% | 5,609 |
| Noninterest expense to average assets | 2.3812% | 6,089 |
| Loan and lease loss provision to assets | 0.1812% | 5,229 |
| Net operating income to assets | 1.1473% | 1,740 |
| Return on assets (ROA) | 1.1473% | 1,843 |
| Pretax return on assets | 1.1996% | 2,489 |
| Return on Equity (ROE) | 13.2992% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,611 |
| Net charge-offs to loans | 1.5287% | 1,314 |
| Credit loss provision to net charge-offs | 33.9623% | 6,105 |
| Earnings coverage of net charge-offs (x) | 2.5887% | 3,857 |
| Efficiency ratio | 63.2959% | 5,383 |
| Assets per employee ($millions) | 4.0028% | 3,828 |
| Cash dividends to net income (ytd only)* | 43.8604% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,264 |
| Loan loss allowance to noncurrent loans | 111.1940% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,432 |
| Noncurrent loans to loans | 1.1194% | 5,005 |
| Net loans and leases to total assets | 34.7461% | 7,319 |
| Net loans and leases to deposits | 38.4712% | 7,408 |
| Net loans and leases to core deposits | 38.7867% | 7,445 |
| Total domestic deposits to total assets | 90.3171% | 712 |
| Equity capital to assets | 9.2920% | 5,160 |
| Core capital (leverage) ratio | 7.8230% | 6,550 |
| Tier 1 risk-based capital ratio | 15.2413% | 3,131 |
| Total risk-based capital ratio | 16.1284% | 3,293 |
| Memoranda: | ||
| Average total assets | $66,240,250 | 6,058 |
| Average earning assets | $60,403,750 | 6,050 |
| Average equity | $5,714,500 | 6,536 |
| Average total loans | $23,113,000 | 6,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 6,721 |
| Cost of funding earning assets | 0.7423% | 7,086 |
| Net interest margin | 3.7542% | 4,111 |
| Noninterest income to average assets | 0.3321% | 5,505 |
| Noninterest expense to average assets | 2.3706% | 6,148 |
| Loan and lease loss provision to assets | 0.1828% | 5,040 |
| Net operating income to assets | 1.1914% | 1,578 |
| Return on assets (ROA) | 1.1914% | 1,647 |
| Pretax return on assets | 1.2462% | 2,270 |
| Return on Equity (ROE) | 14.1881% | 1,000 |
| Retained earnings to average equity (ytd only) | 5.1164% | 2,841 |
| Net charge-offs to loans | 2.3208% | 762 |
| Credit loss provision to net charge-offs | 22.6415% | 5,826 |
| Earnings coverage of net charge-offs (x) | 1.7698% | 4,193 |
| Efficiency ratio | 62.3897% | 5,627 |
| Assets per employee ($millions) | 3.8929% | 3,996 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,598 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 6,434 |
| Noncurrent loans to loans | 1.1708% | 4,998 |
| Net loans and leases to total assets | 34.1830% | 7,415 |
| Net loans and leases to deposits | 39.7219% | 7,449 |
| Net loans and leases to core deposits | 40.0737% | 7,489 |
| Total domestic deposits to total assets | 86.0560% | 3,046 |
| Equity capital to assets | 8.6946% | 5,891 |
| Core capital (leverage) ratio | 7.3993% | 6,920 |
| Tier 1 risk-based capital ratio | 15.2040% | 3,056 |
| Total risk-based capital ratio | 16.0287% | 3,243 |
| Memoranda: | ||
| Average total assets | $65,637,670 | 6,118 |
| Average earning assets | $60,625,000 | 6,078 |
| Average equity | $5,511,670 | 6,610 |
| Average total loans | $22,836,670 | 6,915 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 6,696 |
| Cost of funding earning assets | 0.7774% | 7,155 |
| Net interest margin | 3.7662% | 3,935 |
| Noninterest income to average assets | 0.3610% | 5,252 |
| Noninterest expense to average assets | 2.4477% | 5,921 |
| Loan and lease loss provision to assets | 0.1836% | 4,675 |
| Net operating income to assets | 1.1198% | 1,763 |
| Return on assets (ROA) | 1.1198% | 1,846 |
| Pretax return on assets | 1.1688% | 2,479 |
| Return on Equity (ROE) | 13.5794% | 1,128 |
| Retained earnings to average equity (ytd only) | 13.5794% | 550 |
| Net charge-offs to loans | 1.5432% | 1,127 |
| Credit loss provision to net charge-offs | 34.0909% | 4,753 |
| Earnings coverage of net charge-offs (x) | 2.5114% | 3,285 |
| Efficiency ratio | 64.4122% | 5,409 |
| Assets per employee ($millions) | 4.3153% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 2,387 |
| Loan loss allowance to noncurrent loans | 234.4633% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,796 |
| Noncurrent loans to loans | 0.8183% | 5,678 |
| Net loans and leases to total assets | 32.7767% | 7,545 |
| Net loans and leases to deposits | 35.9471% | 7,624 |
| Net loans and leases to core deposits | 35.9471% | 7,653 |
| Total domestic deposits to total assets | 91.1802% | 475 |
| Equity capital to assets | 8.5340% | 5,953 |
| Core capital (leverage) ratio | 7.6385% | 6,692 |
| Tier 1 risk-based capital ratio | 15.7820% | 2,736 |
| Total risk-based capital ratio | 17.0330% | 2,681 |
| Memoranda: | ||
| Average total assets | $65,367,000 | 6,197 |
| Average earning assets | $59,689,500 | 6,186 |
| Average equity | $5,390,500 | 6,711 |
| Average total loans | $22,810,000 | 7,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 6,313 |
| Cost of funding earning assets | 0.8985% | 7,408 |
| Net interest margin | 4.1396% | 2,286 |
| Noninterest income to average assets | 0.3322% | 5,714 |
| Noninterest expense to average assets | 2.5305% | 6,026 |
| Loan and lease loss provision to assets | 0.1221% | 6,420 |
| Net operating income to assets | 1.4324% | 799 |
| Return on assets (ROA) | 1.5762% | 615 |
| Pretax return on assets | 1.6479% | 872 |
| Return on Equity (ROE) | 17.2015% | 439 |
| Retained earnings to average equity (ytd only) | 2.9854% | 3,079 |
| Net charge-offs to loans | 0.3354% | 4,559 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 13.2667% | 1,439 |
| Efficiency ratio | 60.9651% | 6,336 |
| Assets per employee ($millions) | 4.1253% | 3,561 |
| Cash dividends to net income (ytd only)* | 82.6446% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,093 |
| Loan loss allowance to noncurrent loans | 178.4906% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,453 |
| Noncurrent loans to loans | 1.1047% | 5,117 |
| Net loans and leases to total assets | 35.6276% | 7,538 |
| Net loans and leases to deposits | 38.7765% | 7,654 |
| Net loans and leases to core deposits | 41.3861% | 7,739 |
| Total domestic deposits to total assets | 91.8794% | 281 |
| Equity capital to assets | 7.9645% | 6,617 |
| Core capital (leverage) ratio | 7.7452% | 6,510 |
| Tier 1 risk-based capital ratio | 14.3682% | 3,278 |
| Total risk-based capital ratio | 15.6195% | 3,230 |
| Memoranda: | ||
| Average total assets | $61,412,000 | 6,300 |
| Average earning assets | $56,648,400 | 6,266 |
| Average equity | $5,627,400 | 6,730 |
| Average total loans | $22,358,400 | 7,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 6,307 |
| Cost of funding earning assets | 0.8953% | 7,566 |
| Net interest margin | 4.1939% | 2,086 |
| Noninterest income to average assets | 0.3429% | 5,753 |
| Noninterest expense to average assets | 2.5620% | 5,849 |
| Loan and lease loss provision to assets | 0.0553% | 6,815 |
| Net operating income to assets | 1.5611% | 721 |
| Return on assets (ROA) | 1.5930% | 724 |
| Pretax return on assets | 1.6660% | 1,032 |
| Return on Equity (ROE) | 16.7829% | 567 |
| Retained earnings to average equity (ytd only) | 7.4591% | 1,326 |
| Net charge-offs to loans | -0.0304% | 7,803 |
| Credit loss provision to net charge-offs | -500.0000% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2811% | 6,372 |
| Assets per employee ($millions) | 3.7914% | 4,206 |
| Cash dividends to net income (ytd only)* | 55.5553% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,566 |
| Loan loss allowance to noncurrent loans | 142.0904% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 5,992 |
| Noncurrent loans to loans | 1.4907% | 4,430 |
| Net loans and leases to total assets | 38.3172% | 7,535 |
| Net loans and leases to deposits | 45.5104% | 7,582 |
| Net loans and leases to core deposits | 49.2980% | 7,703 |
| Total domestic deposits to total assets | 84.1944% | 3,630 |
| Equity capital to assets | 10.1777% | 3,869 |
| Core capital (leverage) ratio | 8.4658% | 5,552 |
| Tier 1 risk-based capital ratio | 15.5167% | 2,819 |
| Total risk-based capital ratio | 16.7701% | 2,758 |
| Memoranda: | ||
| Average total assets | $60,263,750 | 6,381 |
| Average earning assets | $56,143,500 | 6,326 |
| Average equity | $5,720,000 | 6,770 |
| Average total loans | $21,950,750 | 7,149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 6,213 |
| Cost of funding earning assets | 0.9252% | 7,663 |
| Net interest margin | 4.2385% | 1,851 |
| Noninterest income to average assets | 0.3526% | 5,679 |
| Noninterest expense to average assets | 2.5478% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6630% | 603 |
| Return on assets (ROA) | 1.6630% | 662 |
| Pretax return on assets | 1.7362% | 959 |
| Return on Equity (ROE) | 17.9576% | 499 |
| Retained earnings to average equity (ytd only) | 3.5915% | 3,301 |
| Net charge-offs to loans | -0.0375% | 7,807 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4720% | 6,626 |
| Assets per employee ($millions) | 3.4078% | 5,045 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 1,250 |
| Loan loss allowance to noncurrent loans | 134.7458% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 5,893 |
| Noncurrent loans to loans | 1.6309% | 4,052 |
| Net loans and leases to total assets | 36.6441% | 7,684 |
| Net loans and leases to deposits | 43.1949% | 7,726 |
| Net loans and leases to core deposits | 47.5688% | 7,807 |
| Total domestic deposits to total assets | 84.8342% | 3,339 |
| Equity capital to assets | 9.2003% | 5,009 |
| Core capital (leverage) ratio | 7.9857% | 6,358 |
| Tier 1 risk-based capital ratio | 15.5940% | 2,773 |
| Total risk-based capital ratio | 16.8496% | 2,702 |
| Memoranda: | ||
| Average total assets | $60,131,000 | 6,440 |
| Average earning assets | $55,774,670 | 6,403 |
| Average equity | $5,568,670 | 6,874 |
| Average total loans | $21,352,000 | 7,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 6,388 |
| Cost of funding earning assets | 0.9406% | 7,761 |
| Net interest margin | 4.2364% | 1,789 |
| Noninterest income to average assets | 0.3920% | 5,281 |
| Noninterest expense to average assets | 2.3649% | 6,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8553% | 476 |
| Return on assets (ROA) | 1.8553% | 532 |
| Pretax return on assets | 1.9402% | 742 |
| Return on Equity (ROE) | 19.9719% | 423 |
| Retained earnings to average equity (ytd only) | 19.9719% | 162 |
| Net charge-offs to loans | -0.0189% | 7,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9317% | 7,111 |
| Assets per employee ($millions) | 3.7043% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 933 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,639 |
| Noncurrent loans to loans | 0.0146% | 7,524 |
| Net loans and leases to total assets | 33.8288% | 7,807 |
| Net loans and leases to deposits | 37.9756% | 7,901 |
| Net loans and leases to core deposits | 41.2297% | 7,958 |
| Total domestic deposits to total assets | 89.0803% | 1,195 |
| Equity capital to assets | 9.5935% | 4,536 |
| Core capital (leverage) ratio | 8.2196% | 6,062 |
| Tier 1 risk-based capital ratio | 16.5801% | 2,486 |
| Total risk-based capital ratio | 17.8347% | 2,413 |
| Memoranda: | ||
| Average total assets | $61,230,000 | 6,429 |
| Average earning assets | $56,557,500 | 6,396 |
| Average equity | $5,688,000 | 6,883 |
| Average total loans | $21,175,000 | 7,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7385% | 6,648 |
| Cost of funding earning assets | 1.3415% | 7,801 |
| Net interest margin | 4.3970% | 1,693 |
| Noninterest income to average assets | 0.4028% | 5,447 |
| Noninterest expense to average assets | 2.6906% | 5,307 |
| Loan and lease loss provision to assets | -0.0170% | 8,209 |
| Net operating income to assets | 1.7764% | 580 |
| Return on assets (ROA) | 1.7982% | 533 |
| Pretax return on assets | 1.8237% | 896 |
| Return on Equity (ROE) | 20.8951% | 312 |
| Retained earnings to average equity (ytd only) | 8.0578% | 830 |
| Net charge-offs to loans | -0.0490% | 8,024 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1215% | 6,316 |
| Assets per employee ($millions) | 3.9494% | 3,625 |
| Cash dividends to net income (ytd only)* | 61.4367% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 979 |
| Loan loss allowance to noncurrent loans | 23,650.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,647 |
| Noncurrent loans to loans | 0.0092% | 7,517 |
| Net loans and leases to total assets | 33.7912% | 7,897 |
| Net loans and leases to deposits | 37.2127% | 7,993 |
| Net loans and leases to core deposits | 39.1418% | 8,065 |
| Total domestic deposits to total assets | 90.8057% | 385 |
| Equity capital to assets | 9.0044% | 5,360 |
| Core capital (leverage) ratio | 7.9718% | 6,537 |
| Tier 1 risk-based capital ratio | 14.8129% | 3,142 |
| Total risk-based capital ratio | 16.0665% | 3,057 |
| Memoranda: | ||
| Average total assets | $58,835,400 | 6,420 |
| Average earning assets | $54,491,400 | 6,388 |
| Average equity | $5,063,400 | 7,123 |
| Average total loans | $20,404,200 | 7,306 |