Home > Farmers & Merchants State Bank of New York Mills, Incorporated > Performance and Condition Ratios
Farmers & Merchants State Bank of New York Mills, Incorporated, 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 | 4.3177% | 3,414 |
| Cost of funding earning assets | 1.5967% | 1,701 |
| Net interest margin | 2.7209% | 3,791 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.3212% | 2,794 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4807% | 3,706 |
| Return on assets (ROA) | 0.6281% | 3,345 |
| Pretax return on assets | 0.6496% | 3,536 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.1201% | 2,570 |
| Net charge-offs to loans | 0.0288% | 1,727 |
| Credit loss provision to net charge-offs | 350.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 1,401 |
| Efficiency ratio | 81.0703% | 845 |
| Assets per employee ($millions) | 6.2186% | 2,619 |
| Cash dividends to net income (ytd only)* | 55.6452% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.7300% | 3,874 |
| Net loans and leases to deposits | 50.2690% | 3,943 |
| Net loans and leases to core deposits | 58.9787% | 3,801 |
| Total domestic deposits to total assets | 88.9800% | 1,070 |
| Equity capital to assets | 6.6624% | 4,062 |
| Core capital (leverage) ratio | 14.0437% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3525% | 402 |
| Memoranda: | ||
| Average total assets | $78,968,200 | 4,021 |
| Average earning assets | $74,276,400 | 3,987 |
| Average equity | $4,296,800 | 4,330 |
| Average total loans | $34,755,400 | 4,074 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 3,392 |
| Cost of funding earning assets | 1.4924% | 1,630 |
| Net interest margin | 2.7499% | 3,810 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.1605% | 3,182 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6924% | 3,343 |
| Return on assets (ROA) | 0.8000% | 3,022 |
| Pretax return on assets | 0.8119% | 3,305 |
| Return on Equity (ROE) | 15.6000% | 1,327 |
| Retained earnings to average equity (ytd only) | 6.4603% | 2,476 |
| Net charge-offs to loans | 0.0311% | 1,458 |
| Credit loss provision to net charge-offs | 187.5000% | 1,162 |
| Earnings coverage of net charge-offs (x) | 53.6250% | 1,271 |
| Efficiency ratio | 74.7795% | 1,293 |
| Assets per employee ($millions) | 6.0726% | 2,689 |
| Cash dividends to net income (ytd only)* | 58.5987% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,152 |
| Loan loss allowance to noncurrent loans | 111.2033% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 961 |
| Noncurrent loans to loans | 1.3339% | 570 |
| Net loans and leases to total assets | 45.0900% | 3,868 |
| Net loans and leases to deposits | 49.8320% | 3,940 |
| Net loans and leases to core deposits | 57.8895% | 3,782 |
| Total domestic deposits to total assets | 90.4900% | 813 |
| Equity capital to assets | 3.7698% | 4,424 |
| Core capital (leverage) ratio | 14.0080% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2664% | 281 |
| Memoranda: | ||
| Average total assets | $78,499,750 | 4,046 |
| Average earning assets | $73,795,250 | 4,008 |
| Average equity | $4,024,500 | 4,365 |
| Average total loans | $34,265,500 | 4,097 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1121% | 3,469 |
| Cost of funding earning assets | 1.3806% | 1,501 |
| Net interest margin | 2.7315% | 3,935 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.2846% | 2,858 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5794% | 3,635 |
| Return on assets (ROA) | 0.7045% | 3,341 |
| Pretax return on assets | 0.6943% | 3,613 |
| Return on Equity (ROE) | 12.6200% | 1,982 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | -0.0059% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.3440% | 882 |
| Assets per employee ($millions) | 5.9641% | 2,740 |
| Cash dividends to net income (ytd only)* | 100.0000% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 962 |
| Loan loss allowance to noncurrent loans | 109.9796% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 843 |
| Noncurrent loans to loans | 1.4405% | 477 |
| Net loans and leases to total assets | 43.2700% | 3,912 |
| Net loans and leases to deposits | 48.8973% | 3,956 |
| Net loans and leases to core deposits | 55.0144% | 3,849 |
| Total domestic deposits to total assets | 88.4800% | 1,434 |
| Equity capital to assets | 5.5202% | 4,288 |
| Core capital (leverage) ratio | 13.7486% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5318% | 408 |
| Memoranda: | ||
| Average total assets | $78,351,667 | 4,066 |
| Average earning assets | $73,879,333 | 4,030 |
| Average equity | $4,374,000 | 4,353 |
| Average total loans | $33,642,667 | 4,118 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,390 |
| Cost of funding earning assets | 1.2524% | 1,333 |
| Net interest margin | 2.7801% | 3,972 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.2295% | 3,013 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6958% | 3,482 |
| Return on assets (ROA) | 0.8532% | 2,961 |
| Pretax return on assets | 0.8177% | 3,430 |
| Return on Equity (ROE) | 15.2000% | 1,518 |
| Retained earnings to average equity (ytd only) | 15.2002% | 777 |
| Net charge-offs to loans | -0.0120% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4808% | 1,128 |
| Assets per employee ($millions) | 6.0796% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 1,039 |
| Loan loss allowance to noncurrent loans | 5,350.0000% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,733 |
| Noncurrent loans to loans | 0.0296% | 3,548 |
| Net loans and leases to total assets | 42.0300% | 3,949 |
| Net loans and leases to deposits | 47.7455% | 3,968 |
| Net loans and leases to core deposits | 53.2519% | 3,860 |
| Total domestic deposits to total assets | 88.0300% | 1,917 |
| Equity capital to assets | 6.0125% | 4,197 |
| Core capital (leverage) ratio | 13.8321% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8327% | 361 |
| Memoranda: | ||
| Average total assets | $78,761,000 | 4,121 |
| Average earning assets | $74,098,500 | 4,077 |
| Average equity | $4,421,000 | 4,407 |
| Average total loans | $33,421,500 | 4,177 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5155% | 3,038 |
| Cost of funding earning assets | 0.4332% | 1,838 |
| Net interest margin | 3.0822% | 3,218 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.4123% | 2,390 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7232% | 3,556 |
| Return on assets (ROA) | 0.6990% | 3,573 |
| Pretax return on assets | 0.8396% | 3,518 |
| Return on Equity (ROE) | 9.1500% | 3,085 |
| Retained earnings to average equity (ytd only) | 2.5695% | 3,832 |
| Net charge-offs to loans | 0.0282% | 1,496 |
| Credit loss provision to net charge-offs | 111.1111% | 1,502 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 1,105 |
| Efficiency ratio | 73.2411% | 1,292 |
| Assets per employee ($millions) | 6.0375% | 2,730 |
| Cash dividends to net income (ytd only)* | 71.9203% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 980 |
| Loan loss allowance to noncurrent loans | 4,809.0909% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,731 |
| Noncurrent loans to loans | 0.0332% | 3,541 |
| Net loans and leases to total assets | 41.4900% | 4,005 |
| Net loans and leases to deposits | 45.7401% | 4,065 |
| Net loans and leases to core deposits | 49.1420% | 4,014 |
| Total domestic deposits to total assets | 90.7000% | 1,059 |
| Equity capital to assets | 5.2111% | 4,313 |
| Core capital (leverage) ratio | 13.8206% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1791% | 363 |
| Memoranda: | ||
| Average total assets | $78,970,800 | 4,142 |
| Average earning assets | $74,556,400 | 4,103 |
| Average equity | $6,032,400 | 4,323 |
| Average total loans | $31,870,400 | 4,211 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 3,034 |
| Cost of funding earning assets | 0.3210% | 1,953 |
| Net interest margin | 3.0335% | 3,131 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.3146% | 2,591 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7582% | 3,392 |
| Return on assets (ROA) | 0.7063% | 3,503 |
| Pretax return on assets | 0.8699% | 3,421 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 0.4500% | 4,279 |
| Net charge-offs to loans | 0.0042% | 2,049 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 564.0000% | 283 |
| Efficiency ratio | 70.8828% | 1,656 |
| Assets per employee ($millions) | 5.9932% | 2,766 |
| Cash dividends to net income (ytd only)* | 94.7494% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 957 |
| Loan loss allowance to noncurrent loans | 2,685.0000% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,678 |
| Noncurrent loans to loans | 0.0616% | 3,437 |
| Net loans and leases to total assets | 40.9900% | 4,029 |
| Net loans and leases to deposits | 43.9505% | 4,114 |
| Net loans and leases to core deposits | 46.0469% | 4,105 |
| Total domestic deposits to total assets | 93.2600% | 512 |
| Equity capital to assets | 3.6824% | 4,519 |
| Core capital (leverage) ratio | 13.4420% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5064% | 364 |
| Memoranda: | ||
| Average total assets | $79,091,750 | 4,171 |
| Average earning assets | $74,763,250 | 4,131 |
| Average equity | $6,518,000 | 4,312 |
| Average total loans | $31,565,500 | 4,241 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 3,077 |
| Cost of funding earning assets | 0.3107% | 1,616 |
| Net interest margin | 2.8787% | 3,224 |
| Noninterest income to average assets | 0.4303% | 2,568 |
| Noninterest expense to average assets | 2.2897% | 2,578 |
| Loan and lease loss provision to assets | 0.0252% | 2,148 |
| Net operating income to assets | 0.6149% | 3,588 |
| Return on assets (ROA) | 0.5334% | 3,765 |
| Pretax return on assets | 0.7398% | 3,477 |
| Return on Equity (ROE) | 5.4820% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,522 |
| Net charge-offs to loans | 0.0064% | 1,767 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 345.0000% | 360 |
| Efficiency ratio | 72.5100% | 1,689 |
| Assets per employee ($millions) | 6.4311% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7086% | 946 |
| Loan loss allowance to noncurrent loans | 53,700.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,072 |
| Noncurrent loans to loans | 0.0032% | 3,980 |
| Net loans and leases to total assets | 40.0308% | 4,071 |
| Net loans and leases to deposits | 43.7089% | 4,122 |
| Net loans and leases to core deposits | 46.4745% | 4,103 |
| Total domestic deposits to total assets | 91.5851% | 1,007 |
| Equity capital to assets | 6.9001% | 3,821 |
| Core capital (leverage) ratio | 13.7928% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4878% | 304 |
| Memoranda: | ||
| Average total assets | $79,485,000 | 4,210 |
| Average earning assets | $75,311,333 | 4,178 |
| Average equity | $7,734,333 | 4,231 |
| Average total loans | $31,263,667 | 4,291 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 3,155 |
| Cost of funding earning assets | 0.3033% | 1,630 |
| Net interest margin | 2.7299% | 3,339 |
| Noninterest income to average assets | 0.5208% | 2,039 |
| Noninterest expense to average assets | 2.2867% | 2,549 |
| Loan and lease loss provision to assets | 0.0248% | 1,916 |
| Net operating income to assets | 0.7527% | 2,845 |
| Return on assets (ROA) | 0.6548% | 3,196 |
| Pretax return on assets | 0.6944% | 3,411 |
| Return on Equity (ROE) | 5.9067% | 3,371 |
| Retained earnings to average equity (ytd only) | 5.9067% | 2,279 |
| Net charge-offs to loans | 0.0128% | 1,300 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 496 |
| Efficiency ratio | 73.5247% | 1,791 |
| Assets per employee ($millions) | 6.5361% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.1672% | 4,065 |
| Net loans and leases to deposits | 43.8194% | 4,074 |
| Net loans and leases to core deposits | 46.6133% | 4,043 |
| Total domestic deposits to total assets | 89.3833% | 1,877 |
| Equity capital to assets | 9.2538% | 2,481 |
| Core capital (leverage) ratio | 13.2155% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9707% | 299 |
| Memoranda: | ||
| Average total assets | $80,641,000 | 4,216 |
| Average earning assets | $76,485,000 | 4,181 |
| Average equity | $8,939,000 | 4,164 |
| Average total loans | $31,180,500 | 4,308 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 2,928 |
| Cost of funding earning assets | 0.3695% | 1,760 |
| Net interest margin | 3.0316% | 3,104 |
| Noninterest income to average assets | 0.2737% | 3,760 |
| Noninterest expense to average assets | 2.2351% | 2,982 |
| Loan and lease loss provision to assets | 0.0185% | 2,700 |
| Net operating income to assets | 0.8716% | 3,135 |
| Return on assets (ROA) | 0.9788% | 2,827 |
| Pretax return on assets | 0.9801% | 3,315 |
| Return on Equity (ROE) | 7.4572% | 3,390 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,667 |
| Net charge-offs to loans | -0.0162% | 3,904 |
| Credit loss provision to net charge-offs | -300.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4905% | 1,567 |
| Assets per employee ($millions) | 6.9041% | 1,988 |
| Cash dividends to net income (ytd only)* | 28.7154% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6973% | 1,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.9117% | 4,244 |
| Net loans and leases to deposits | 44.2005% | 4,167 |
| Net loans and leases to core deposits | 47.0549% | 4,138 |
| Total domestic deposits to total assets | 83.5098% | 3,691 |
| Equity capital to assets | 12.8185% | 957 |
| Core capital (leverage) ratio | 12.7544% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8659% | 315 |
| Memoranda: | ||
| Average total assets | $81,115,800 | 4,202 |
| Average earning assets | $76,329,000 | 4,180 |
| Average equity | $10,647,400 | 4,069 |
| Average total loans | $30,933,000 | 4,363 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 2,695 |
| Cost of funding earning assets | 0.3819% | 1,843 |
| Net interest margin | 3.1678% | 2,836 |
| Noninterest income to average assets | 0.2644% | 3,820 |
| Noninterest expense to average assets | 2.1004% | 3,359 |
| Loan and lease loss provision to assets | 0.0161% | 2,680 |
| Net operating income to assets | 1.1204% | 2,479 |
| Return on assets (ROA) | 1.2229% | 2,147 |
| Pretax return on assets | 1.2245% | 2,853 |
| Return on Equity (ROE) | 9.2605% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.4073% | 2,645 |
| Net charge-offs to loans | -0.0216% | 3,997 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8469% | 2,268 |
| Assets per employee ($millions) | 7.0129% | 1,859 |
| Cash dividends to net income (ytd only)* | 30.8108% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 1,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.4066% | 4,372 |
| Net loans and leases to deposits | 42.4326% | 4,369 |
| Net loans and leases to core deposits | 45.1076% | 4,352 |
| Total domestic deposits to total assets | 85.7988% | 2,827 |
| Equity capital to assets | 12.7622% | 1,067 |
| Core capital (leverage) ratio | 12.6594% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2054% | 328 |
| Memoranda: | ||
| Average total assets | $80,682,500 | 4,264 |
| Average earning assets | $75,759,500 | 4,241 |
| Average equity | $10,654,250 | 4,125 |
| Average total loans | $30,889,000 | 4,420 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 2,133 |
| Cost of funding earning assets | 0.3950% | 1,929 |
| Net interest margin | 3.3802% | 2,203 |
| Noninterest income to average assets | 0.2565% | 3,861 |
| Noninterest expense to average assets | 2.0648% | 3,505 |
| Loan and lease loss provision to assets | 0.0126% | 2,697 |
| Net operating income to assets | 1.3405% | 1,744 |
| Return on assets (ROA) | 1.4536% | 1,483 |
| Pretax return on assets | 1.4561% | 2,152 |
| Return on Equity (ROE) | 10.8793% | 2,466 |
| Retained earnings to average equity (ytd only) | 6.5878% | 2,587 |
| Net charge-offs to loans | -0.0325% | 4,189 |
| Credit loss provision to net charge-offs | -100.0000% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3676% | 2,965 |
| Assets per employee ($millions) | 6.3077% | 2,322 |
| Cash dividends to net income (ytd only)* | 39.4464% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.4976% | 4,409 |
| Net loans and leases to deposits | 43.8374% | 4,387 |
| Net loans and leases to core deposits | 46.6834% | 4,374 |
| Total domestic deposits to total assets | 85.5378% | 2,897 |
| Equity capital to assets | 12.9963% | 942 |
| Core capital (leverage) ratio | 12.7748% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4762% | 355 |
| Memoranda: | ||
| Average total assets | $79,525,000 | 4,295 |
| Average earning assets | $74,433,333 | 4,283 |
| Average equity | $10,625,667 | 4,143 |
| Average total loans | $30,798,333 | 4,455 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 3,788 |
| Cost of funding earning assets | 0.4199% | 1,938 |
| Net interest margin | 2.7269% | 3,908 |
| Noninterest income to average assets | 0.2504% | 3,899 |
| Noninterest expense to average assets | 2.1255% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6766% | 3,764 |
| Return on assets (ROA) | 0.8890% | 3,241 |
| Pretax return on assets | 0.8941% | 3,614 |
| Return on Equity (ROE) | 6.5598% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.5598% | 2,706 |
| Net charge-offs to loans | -0.0654% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7741% | 1,156 |
| Assets per employee ($millions) | 6.1826% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 38.0372% | 4,419 |
| Net loans and leases to deposits | 44.5344% | 4,403 |
| Net loans and leases to core deposits | 47.4883% | 4,389 |
| Total domestic deposits to total assets | 85.4107% | 2,959 |
| Equity capital to assets | 12.8051% | 970 |
| Core capital (leverage) ratio | 12.9189% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0258% | 273 |
| Memoranda: | ||
| Average total assets | $78,287,500 | 4,328 |
| Average earning assets | $73,343,500 | 4,308 |
| Average equity | $10,610,000 | 4,157 |
| Average total loans | $30,564,000 | 4,482 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 3,386 |
| Cost of funding earning assets | 0.5826% | 2,427 |
| Net interest margin | 3.1888% | 3,391 |
| Noninterest income to average assets | 0.3125% | 3,602 |
| Noninterest expense to average assets | 2.4930% | 2,869 |
| Loan and lease loss provision to assets | 0.0945% | 3,164 |
| Net operating income to assets | 0.6832% | 3,487 |
| Return on assets (ROA) | 0.6614% | 3,679 |
| Pretax return on assets | 0.6629% | 3,958 |
| Return on Equity (ROE) | 4.2819% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.6469% | 3,975 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1884% | 1,203 |
| Assets per employee ($millions) | 5.8616% | 2,481 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 1,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.7580% | 4,487 |
| Net loans and leases to deposits | 46.0785% | 4,461 |
| Net loans and leases to core deposits | 49.3368% | 4,448 |
| Total domestic deposits to total assets | 84.1131% | 3,083 |
| Equity capital to assets | 14.3410% | 722 |
| Core capital (leverage) ratio | 13.5089% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7636% | 292 |
| Memoranda: | ||
| Average total assets | $68,793,400 | 4,404 |
| Average earning assets | $63,848,200 | 4,389 |
| Average equity | $10,626,000 | 4,140 |
| Average total loans | $31,345,600 | 4,491 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 3,631 |
| Cost of funding earning assets | 0.6237% | 2,469 |
| Net interest margin | 3.1529% | 3,614 |
| Noninterest income to average assets | 0.3087% | 3,643 |
| Noninterest expense to average assets | 2.3602% | 3,255 |
| Loan and lease loss provision to assets | 0.0299% | 3,958 |
| Net operating income to assets | 0.8365% | 2,960 |
| Return on assets (ROA) | 0.7748% | 3,302 |
| Pretax return on assets | 0.7768% | 3,712 |
| Return on Equity (ROE) | 4.9159% | 3,918 |
| Retained earnings to average equity (ytd only) | 1.3775% | 4,125 |
| Net charge-offs to loans | -0.0084% | 4,181 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1030% | 1,510 |
| Assets per employee ($millions) | 6.1311% | 2,153 |
| Cash dividends to net income (ytd only)* | 71.9794% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.3230% | 4,444 |
| Net loans and leases to deposits | 51.8209% | 4,415 |
| Net loans and leases to core deposits | 55.4504% | 4,399 |
| Total domestic deposits to total assets | 83.6013% | 2,953 |
| Equity capital to assets | 14.6671% | 701 |
| Core capital (leverage) ratio | 14.0332% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5730% | 290 |
| Memoranda: | ||
| Average total assets | $66,941,500 | 4,440 |
| Average earning assets | $61,995,250 | 4,431 |
| Average equity | $10,550,500 | 4,147 |
| Average total loans | $31,671,500 | 4,512 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,684 |
| Cost of funding earning assets | 0.6622% | 2,616 |
| Net interest margin | 3.2150% | 3,625 |
| Noninterest income to average assets | 0.3152% | 3,576 |
| Noninterest expense to average assets | 2.4316% | 3,166 |
| Loan and lease loss provision to assets | 0.0309% | 3,874 |
| Net operating income to assets | 0.8497% | 2,868 |
| Return on assets (ROA) | 0.7570% | 3,309 |
| Pretax return on assets | 0.7601% | 3,704 |
| Return on Equity (ROE) | 4.6799% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.6799% | 2,619 |
| Net charge-offs to loans | -0.0127% | 4,273 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3458% | 1,527 |
| Assets per employee ($millions) | 5.7863% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 46.4319% | 4,342 |
| Net loans and leases to deposits | 56.0754% | 4,287 |
| Net loans and leases to core deposits | 60.2876% | 4,247 |
| Total domestic deposits to total assets | 82.8026% | 3,142 |
| Equity capital to assets | 15.5714% | 530 |
| Core capital (leverage) ratio | 15.1452% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4391% | 271 |
| Memoranda: | ||
| Average total assets | $64,731,000 | 4,472 |
| Average earning assets | $60,404,667 | 4,465 |
| Average equity | $10,470,333 | 4,172 |
| Average total loans | $31,450,667 | 4,535 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 3,480 |
| Cost of funding earning assets | 0.7228% | 2,819 |
| Net interest margin | 3.3935% | 3,314 |
| Noninterest income to average assets | 0.0513% | 4,971 |
| Noninterest expense to average assets | 2.5906% | 3,003 |
| Loan and lease loss provision to assets | 0.0321% | 3,370 |
| Net operating income to assets | 0.5835% | 3,648 |
| Return on assets (ROA) | 0.5835% | 3,708 |
| Pretax return on assets | 0.5899% | 3,935 |
| Return on Equity (ROE) | 3.5342% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.5342% | 2,876 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6387% | 1,078 |
| Assets per employee ($millions) | 5.1890% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 48.4470% | 4,315 |
| Net loans and leases to deposits | 59.6799% | 4,213 |
| Net loans and leases to core deposits | 64.8181% | 4,136 |
| Total domestic deposits to total assets | 81.1781% | 3,627 |
| Equity capital to assets | 16.8947% | 456 |
| Core capital (leverage) ratio | 15.2329% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6759% | 341 |
| Memoranda: | ||
| Average total assets | $62,379,000 | 4,524 |
| Average earning assets | $58,111,000 | 4,513 |
| Average equity | $10,299,500 | 4,208 |
| Average total loans | $30,828,500 | 4,577 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 3,815 |
| Cost of funding earning assets | 0.7357% | 2,994 |
| Net interest margin | 3.4624% | 3,556 |
| Noninterest income to average assets | 0.3695% | 3,493 |
| Noninterest expense to average assets | 2.6334% | 3,086 |
| Loan and lease loss provision to assets | 0.0326% | 3,360 |
| Net operating income to assets | 0.9114% | 3,162 |
| Return on assets (ROA) | 0.9114% | 3,244 |
| Pretax return on assets | 0.9130% | 3,702 |
| Return on Equity (ROE) | 5.8408% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.5866% | 3,738 |
| Net charge-offs to loans | -0.0366% | 4,757 |
| Credit loss provision to net charge-offs | -181.8182% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5789% | 1,658 |
| Assets per employee ($millions) | 4.8069% | 2,832 |
| Cash dividends to net income (ytd only)* | 55.7143% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.9662% | 4,372 |
| Net loans and leases to deposits | 59.9710% | 4,290 |
| Net loans and leases to core deposits | 65.0669% | 4,228 |
| Total domestic deposits to total assets | 81.6499% | 3,603 |
| Equity capital to assets | 16.1290% | 580 |
| Core capital (leverage) ratio | 16.0610% | 512 |
| Tier 1 risk-based capital ratio | 27.2161% | 604 |
| Total risk-based capital ratio | 28.4270% | 594 |
| Memoranda: | ||
| Average total assets | $61,442,600 | 4,576 |
| Average earning assets | $56,955,000 | 4,574 |
| Average equity | $9,587,800 | 4,294 |
| Average total loans | $30,039,600 | 4,644 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 3,944 |
| Cost of funding earning assets | 0.7342% | 3,044 |
| Net interest margin | 3.4544% | 3,722 |
| Noninterest income to average assets | 0.3618% | 3,560 |
| Noninterest expense to average assets | 2.5389% | 3,327 |
| Loan and lease loss provision to assets | 0.0327% | 3,254 |
| Net operating income to assets | 0.9872% | 3,025 |
| Return on assets (ROA) | 0.9872% | 3,104 |
| Pretax return on assets | 0.9894% | 3,625 |
| Return on Equity (ROE) | 6.3812% | 3,928 |
| Retained earnings to average equity (ytd only) | 1.9863% | 4,276 |
| Net charge-offs to loans | -0.0537% | 4,854 |
| Credit loss provision to net charge-offs | -125.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2974% | 1,923 |
| Assets per employee ($millions) | 4.7185% | 2,893 |
| Cash dividends to net income (ytd only)* | 68.8748% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.0848% | 4,425 |
| Net loans and leases to deposits | 61.1968% | 4,334 |
| Net loans and leases to core deposits | 65.8000% | 4,288 |
| Total domestic deposits to total assets | 81.8422% | 3,514 |
| Equity capital to assets | 16.0580% | 623 |
| Core capital (leverage) ratio | 16.0049% | 560 |
| Tier 1 risk-based capital ratio | 24.8158% | 776 |
| Total risk-based capital ratio | 25.9429% | 775 |
| Memoranda: | ||
| Average total assets | $61,180,750 | 4,638 |
| Average earning assets | $56,661,250 | 4,642 |
| Average equity | $9,465,000 | 4,358 |
| Average total loans | $29,789,000 | 4,708 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 4,105 |
| Cost of funding earning assets | 0.7294% | 3,000 |
| Net interest margin | 3.3933% | 3,915 |
| Noninterest income to average assets | 0.3534% | 3,574 |
| Noninterest expense to average assets | 2.5749% | 3,267 |
| Loan and lease loss provision to assets | 0.0327% | 3,178 |
| Net operating income to assets | 0.8932% | 3,313 |
| Return on assets (ROA) | 0.8932% | 3,376 |
| Pretax return on assets | 0.8965% | 3,857 |
| Return on Equity (ROE) | 5.8479% | 4,096 |
| Retained earnings to average equity (ytd only) | -0.8354% | 4,807 |
| Net charge-offs to loans | -0.0818% | 4,961 |
| Credit loss provision to net charge-offs | -83.3333% | 3,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4827% | 1,703 |
| Assets per employee ($millions) | 5.1133% | 2,341 |
| Cash dividends to net income (ytd only)* | 114.2857% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 1,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 48.9529% | 4,524 |
| Net loans and leases to deposits | 59.1349% | 4,470 |
| Net loans and leases to core deposits | 64.5888% | 4,383 |
| Total domestic deposits to total assets | 82.7817% | 3,279 |
| Equity capital to assets | 15.6326% | 681 |
| Core capital (leverage) ratio | 15.6744% | 595 |
| Tier 1 risk-based capital ratio | 26.2487% | 669 |
| Total risk-based capital ratio | 27.4496% | 660 |
| Memoranda: | ||
| Average total assets | $61,127,670 | 4,673 |
| Average earning assets | $56,758,670 | 4,675 |
| Average equity | $9,336,670 | 4,392 |
| Average total loans | $29,331,670 | 4,755 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 4,147 |
| Cost of funding earning assets | 0.7163% | 2,967 |
| Net interest margin | 3.3758% | 3,958 |
| Noninterest income to average assets | 0.3344% | 3,629 |
| Noninterest expense to average assets | 2.5438% | 3,388 |
| Loan and lease loss provision to assets | 0.0328% | 2,974 |
| Net operating income to assets | 0.8720% | 3,341 |
| Return on assets (ROA) | 0.8720% | 3,389 |
| Pretax return on assets | 0.8785% | 3,831 |
| Return on Equity (ROE) | 5.7770% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.7770% | 2,554 |
| Net charge-offs to loans | -0.1391% | 5,105 |
| Credit loss provision to net charge-offs | -50.0000% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6243% | 1,794 |
| Assets per employee ($millions) | 5.0273% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 45.3570% | 4,691 |
| Net loans and leases to deposits | 54.8808% | 4,646 |
| Net loans and leases to core deposits | 60.6988% | 4,546 |
| Total domestic deposits to total assets | 82.6465% | 3,523 |
| Equity capital to assets | 15.7688% | 611 |
| Core capital (leverage) ratio | 16.0317% | 528 |
| Tier 1 risk-based capital ratio | 28.7235% | 523 |
| Total risk-based capital ratio | 29.9697% | 518 |
| Memoranda: | ||
| Average total assets | $61,012,000 | 4,730 |
| Average earning assets | $56,401,500 | 4,732 |
| Average equity | $9,209,000 | 4,439 |
| Average total loans | $28,762,000 | 4,820 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 4,114 |
| Cost of funding earning assets | 0.6434% | 2,438 |
| Net interest margin | 3.3250% | 4,192 |
| Noninterest income to average assets | 0.3889% | 3,505 |
| Noninterest expense to average assets | 2.3276% | 4,055 |
| Loan and lease loss provision to assets | 0.2144% | 853 |
| Net operating income to assets | 0.9555% | 3,197 |
| Return on assets (ROA) | 0.9555% | 3,196 |
| Pretax return on assets | 0.9571% | 3,735 |
| Return on Equity (ROE) | 7.1553% | 3,773 |
| Retained earnings to average equity (ytd only) | 3.7726% | 3,495 |
| Net charge-offs to loans | 0.7278% | 217 |
| Credit loss provision to net charge-offs | 60.6061% | 3,095 |
| Earnings coverage of net charge-offs (x) | 3.3117% | 3,426 |
| Efficiency ratio | 66.5208% | 2,784 |
| Assets per employee ($millions) | 5.1413% | 2,334 |
| Cash dividends to net income (ytd only)* | 47.2756% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 47.5266% | 4,670 |
| Net loans and leases to deposits | 56.5538% | 4,642 |
| Net loans and leases to core deposits | 62.2270% | 4,528 |
| Total domestic deposits to total assets | 84.0379% | 2,986 |
| Equity capital to assets | 14.4337% | 859 |
| Core capital (leverage) ratio | 15.1324% | 667 |
| Tier 1 risk-based capital ratio | 27.1489% | 607 |
| Total risk-based capital ratio | 28.3231% | 600 |
| Memoranda: | ||
| Average total assets | $65,304,200 | 4,673 |
| Average earning assets | $61,081,800 | 4,649 |
| Average equity | $8,720,800 | 4,495 |
| Average total loans | $31,738,800 | 4,777 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 4,218 |
| Cost of funding earning assets | 0.6124% | 2,389 |
| Net interest margin | 3.2857% | 4,319 |
| Noninterest income to average assets | 0.3867% | 3,555 |
| Noninterest expense to average assets | 2.1750% | 4,376 |
| Loan and lease loss provision to assets | 0.2215% | 746 |
| Net operating income to assets | 1.0673% | 2,799 |
| Return on assets (ROA) | 1.0673% | 2,813 |
| Pretax return on assets | 1.0694% | 3,503 |
| Return on Equity (ROE) | 8.1461% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.6120% | 3,960 |
| Net charge-offs to loans | 0.9429% | 150 |
| Credit loss provision to net charge-offs | 48.2456% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.8114% | 3,217 |
| Efficiency ratio | 62.7542% | 3,383 |
| Assets per employee ($millions) | 4.9285% | 2,559 |
| Cash dividends to net income (ytd only)* | 55.6598% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,570 |
| Loan loss allowance to noncurrent loans | 229.1667% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 3,640 |
| Noncurrent loans to loans | 0.5279% | 2,796 |
| Net loans and leases to total assets | 49.0659% | 4,657 |
| Net loans and leases to deposits | 60.0401% | 4,547 |
| Net loans and leases to core deposits | 65.3671% | 4,441 |
| Total domestic deposits to total assets | 81.7218% | 3,685 |
| Equity capital to assets | 13.2899% | 1,213 |
| Core capital (leverage) ratio | 14.5902% | 801 |
| Tier 1 risk-based capital ratio | 25.3862% | 718 |
| Total risk-based capital ratio | 26.4225% | 722 |
| Memoranda: | ||
| Average total assets | $66,206,250 | 4,698 |
| Average earning assets | $62,044,750 | 4,675 |
| Average equity | $8,674,750 | 4,547 |
| Average total loans | $32,240,000 | 4,814 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 4,238 |
| Cost of funding earning assets | 0.5713% | 2,425 |
| Net interest margin | 3.2712% | 4,331 |
| Noninterest income to average assets | 0.3557% | 3,788 |
| Noninterest expense to average assets | 2.1130% | 4,574 |
| Loan and lease loss provision to assets | 0.2092% | 804 |
| Net operating income to assets | 1.0939% | 2,607 |
| Return on assets (ROA) | 1.0939% | 2,615 |
| Pretax return on assets | 1.0969% | 3,329 |
| Return on Equity (ROE) | 8.3868% | 3,320 |
| Retained earnings to average equity (ytd only) | 1.6269% | 4,599 |
| Net charge-offs to loans | 0.3274% | 487 |
| Credit loss provision to net charge-offs | 132.0755% | 1,704 |
| Earnings coverage of net charge-offs (x) | 8.2453% | 2,491 |
| Efficiency ratio | 61.8007% | 3,651 |
| Assets per employee ($millions) | 4.9849% | 2,439 |
| Cash dividends to net income (ytd only)* | 80.6011% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 950 |
| Loan loss allowance to noncurrent loans | 192.5926% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 3,056 |
| Noncurrent loans to loans | 0.8685% | 1,989 |
| Net loans and leases to total assets | 47.1699% | 4,760 |
| Net loans and leases to deposits | 55.7007% | 4,767 |
| Net loans and leases to core deposits | 60.9896% | 4,654 |
| Total domestic deposits to total assets | 84.6846% | 2,801 |
| Equity capital to assets | 13.1936% | 1,227 |
| Core capital (leverage) ratio | 13.9852% | 912 |
| Tier 1 risk-based capital ratio | 25.1370% | 722 |
| Total risk-based capital ratio | 26.3902% | 709 |
| Memoranda: | ||
| Average total assets | $66,918,000 | 4,740 |
| Average earning assets | $62,668,330 | 4,716 |
| Average equity | $8,728,000 | 4,577 |
| Average total loans | $32,379,330 | 4,858 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,236 |
| Cost of funding earning assets | 0.5572% | 2,340 |
| Net interest margin | 3.2368% | 4,351 |
| Noninterest income to average assets | 0.3590% | 3,741 |
| Noninterest expense to average assets | 2.1655% | 4,499 |
| Loan and lease loss provision to assets | 0.0588% | 2,594 |
| Net operating income to assets | 1.1710% | 2,130 |
| Return on assets (ROA) | 1.1710% | 2,142 |
| Pretax return on assets | 1.1769% | 2,853 |
| Return on Equity (ROE) | 9.0280% | 2,896 |
| Retained earnings to average equity (ytd only) | 9.0280% | 1,449 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6678% | 3,533 |
| Assets per employee ($millions) | 5.1502% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 47.6887% | 4,709 |
| Net loans and leases to deposits | 55.6943% | 4,713 |
| Net loans and leases to core deposits | 61.5891% | 4,576 |
| Total domestic deposits to total assets | 85.6257% | 2,704 |
| Equity capital to assets | 13.0166% | 1,234 |
| Core capital (leverage) ratio | 13.8221% | 913 |
| Tier 1 risk-based capital ratio | 24.7817% | 767 |
| Total risk-based capital ratio | 26.0319% | 754 |
| Memoranda: | ||
| Average total assets | $67,975,000 | 4,773 |
| Average earning assets | $63,890,000 | 4,750 |
| Average equity | $8,817,000 | 4,608 |
| Average total loans | $33,025,000 | 4,893 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,526 |
| Cost of funding earning assets | 0.5133% | 2,225 |
| Net interest margin | 3.1087% | 4,674 |
| Noninterest income to average assets | 0.3708% | 3,818 |
| Noninterest expense to average assets | 2.4013% | 4,078 |
| Loan and lease loss provision to assets | 0.0301% | 3,674 |
| Net operating income to assets | 0.8502% | 2,950 |
| Return on assets (ROA) | 0.8879% | 2,802 |
| Pretax return on assets | 0.8894% | 3,948 |
| Return on Equity (ROE) | 6.6563% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.7971% | 2,948 |
| Net charge-offs to loans | 0.0465% | 2,857 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,285 |
| Efficiency ratio | 73.1405% | 2,039 |
| Assets per employee ($millions) | 5.3075% | 2,137 |
| Cash dividends to net income (ytd only)* | 42.9542% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.9803% | 4,769 |
| Net loans and leases to deposits | 59.9902% | 4,567 |
| Net loans and leases to core deposits | 64.6443% | 4,491 |
| Total domestic deposits to total assets | 79.9803% | 4,339 |
| Equity capital to assets | 12.9266% | 1,301 |
| Core capital (leverage) ratio | 13.2857% | 1,042 |
| Tier 1 risk-based capital ratio | 23.4223% | 863 |
| Total risk-based capital ratio | 24.6727% | 852 |
| Memoranda: | ||
| Average total assets | $66,338,400 | 4,838 |
| Average earning assets | $62,148,600 | 4,814 |
| Average equity | $8,848,800 | 4,638 |
| Average total loans | $32,277,400 | 4,961 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 4,653 |
| Cost of funding earning assets | 0.4988% | 2,274 |
| Net interest margin | 3.0643% | 4,791 |
| Noninterest income to average assets | 0.3634% | 3,928 |
| Noninterest expense to average assets | 2.2860% | 4,336 |
| Loan and lease loss provision to assets | 0.0305% | 3,512 |
| Net operating income to assets | 0.9136% | 2,952 |
| Return on assets (ROA) | 0.9643% | 2,767 |
| Pretax return on assets | 0.9664% | 3,815 |
| Return on Equity (ROE) | 7.1714% | 3,556 |
| Retained earnings to average equity (ytd only) | 3.3516% | 3,935 |
| Net charge-offs to loans | -0.0084% | 4,582 |
| Credit loss provision to net charge-offs | -750.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7286% | 2,415 |
| Assets per employee ($millions) | 5.3343% | 2,085 |
| Cash dividends to net income (ytd only)* | 53.2622% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 48.1066% | 4,817 |
| Net loans and leases to deposits | 56.1531% | 4,867 |
| Net loans and leases to core deposits | 60.7484% | 4,780 |
| Total domestic deposits to total assets | 85.6704% | 2,443 |
| Equity capital to assets | 13.0418% | 1,369 |
| Core capital (leverage) ratio | 13.1253% | 1,157 |
| Tier 1 risk-based capital ratio | 22.4050% | 1,005 |
| Total risk-based capital ratio | 23.6560% | 988 |
| Memoranda: | ||
| Average total assets | $65,673,750 | 4,905 |
| Average earning assets | $61,480,500 | 4,877 |
| Average equity | $8,831,250 | 4,689 |
| Average total loans | $31,944,750 | 5,017 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 4,818 |
| Cost of funding earning assets | 0.4764% | 2,363 |
| Net interest margin | 3.0009% | 4,914 |
| Noninterest income to average assets | 0.3724% | 3,893 |
| Noninterest expense to average assets | 2.3615% | 4,177 |
| Loan and lease loss provision to assets | 0.0310% | 3,381 |
| Net operating income to assets | 0.7913% | 3,435 |
| Return on assets (ROA) | 0.8006% | 3,457 |
| Pretax return on assets | 0.8037% | 4,260 |
| Return on Equity (ROE) | 5.8902% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.1142% | 5,047 |
| Net charge-offs to loans | -0.0128% | 4,616 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0993% | 1,996 |
| Assets per employee ($millions) | 4.9169% | 2,488 |
| Cash dividends to net income (ytd only)* | 98.0620% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.1621% | 4,870 |
| Net loans and leases to deposits | 54.9416% | 4,914 |
| Net loans and leases to core deposits | 59.4564% | 4,847 |
| Total domestic deposits to total assets | 85.8405% | 2,451 |
| Equity capital to assets | 12.8826% | 1,426 |
| Core capital (leverage) ratio | 13.6412% | 955 |
| Tier 1 risk-based capital ratio | 22.7315% | 972 |
| Total risk-based capital ratio | 23.9824% | 956 |
| Memoranda: | ||
| Average total assets | $64,449,670 | 4,964 |
| Average earning assets | $60,448,670 | 4,938 |
| Average equity | $8,760,330 | 4,726 |
| Average total loans | $31,301,330 | 5,068 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 4,809 |
| Cost of funding earning assets | 0.4802% | 2,247 |
| Net interest margin | 2.9775% | 4,938 |
| Noninterest income to average assets | 0.3598% | 3,959 |
| Noninterest expense to average assets | 2.3709% | 4,200 |
| Loan and lease loss provision to assets | 0.0321% | 3,143 |
| Net operating income to assets | 0.7389% | 3,522 |
| Return on assets (ROA) | 0.7453% | 3,552 |
| Pretax return on assets | 0.7517% | 4,281 |
| Return on Equity (ROE) | 5.3294% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.3294% | 2,717 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3061% | 2,020 |
| Assets per employee ($millions) | 4.4828% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 1,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.7589% | 4,845 |
| Net loans and leases to deposits | 56.4793% | 4,787 |
| Net loans and leases to core deposits | 61.3648% | 4,699 |
| Total domestic deposits to total assets | 84.5600% | 3,277 |
| Equity capital to assets | 14.0490% | 886 |
| Core capital (leverage) ratio | 14.4464% | 727 |
| Tier 1 risk-based capital ratio | 24.7970% | 792 |
| Total risk-based capital ratio | 26.0483% | 777 |
| Memoranda: | ||
| Average total assets | $62,256,000 | 5,068 |
| Average earning assets | $58,304,500 | 5,044 |
| Average equity | $8,706,500 | 4,768 |
| Average total loans | $30,464,500 | 5,142 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,501 |
| Cost of funding earning assets | 0.4782% | 2,272 |
| Net interest margin | 3.1240% | 4,658 |
| Noninterest income to average assets | 0.3886% | 3,973 |
| Noninterest expense to average assets | 2.4997% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8063% | 3,277 |
| Return on assets (ROA) | 0.8192% | 3,315 |
| Pretax return on assets | 0.8208% | 4,129 |
| Return on Equity (ROE) | 5.7435% | 4,099 |
| Retained earnings to average equity (ytd only) | 2.3496% | 4,187 |
| Net charge-offs to loans | 0.2682% | 1,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.1605% | 3,224 |
| Efficiency ratio | 75.5751% | 2,051 |
| Assets per employee ($millions) | 4.4109% | 3,255 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 48.5078% | 4,859 |
| Net loans and leases to deposits | 57.4445% | 4,831 |
| Net loans and leases to core deposits | 62.4935% | 4,724 |
| Total domestic deposits to total assets | 84.4429% | 3,256 |
| Equity capital to assets | 13.9200% | 914 |
| Core capital (leverage) ratio | 14.2788% | 739 |
| Tier 1 risk-based capital ratio | 24.5559% | 810 |
| Total risk-based capital ratio | 25.8058% | 794 |
| Memoranda: | ||
| Average total assets | $61,766,200 | 5,098 |
| Average earning assets | $57,713,600 | 5,082 |
| Average equity | $8,810,000 | 4,789 |
| Average total loans | $30,198,600 | 5,180 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,514 |
| Cost of funding earning assets | 0.4766% | 2,306 |
| Net interest margin | 3.1370% | 4,679 |
| Noninterest income to average assets | 0.3907% | 3,987 |
| Noninterest expense to average assets | 2.4413% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8742% | 3,036 |
| Return on assets (ROA) | 0.8915% | 3,086 |
| Pretax return on assets | 0.8936% | 4,000 |
| Return on Equity (ROE) | 6.2126% | 3,970 |
| Retained earnings to average equity (ytd only) | 1.7299% | 4,815 |
| Net charge-offs to loans | 0.0089% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 202.7416% | 369 |
| Efficiency ratio | 73.5849% | 2,360 |
| Assets per employee ($millions) | 4.0421% | 3,893 |
| Cash dividends to net income (ytd only)* | 72.1547% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.4541% | 4,860 |
| Net loans and leases to deposits | 59.0523% | 4,819 |
| Net loans and leases to core deposits | 64.4257% | 4,705 |
| Total domestic deposits to total assets | 83.7462% | 3,301 |
| Equity capital to assets | 14.8453% | 775 |
| Core capital (leverage) ratio | 14.4040% | 748 |
| Tier 1 risk-based capital ratio | 24.8702% | 827 |
| Total risk-based capital ratio | 26.1211% | 809 |
| Memoranda: | ||
| Average total assets | $61,769,500 | 5,147 |
| Average earning assets | $57,632,750 | 5,127 |
| Average equity | $8,863,500 | 4,828 |
| Average total loans | $30,135,000 | 5,233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,525 |
| Cost of funding earning assets | 0.4733% | 2,335 |
| Net interest margin | 3.1504% | 4,691 |
| Noninterest income to average assets | 0.3765% | 4,052 |
| Noninterest expense to average assets | 2.4168% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8914% | 2,904 |
| Return on assets (ROA) | 0.8914% | 3,030 |
| Pretax return on assets | 0.8946% | 3,969 |
| Return on Equity (ROE) | 6.2828% | 3,911 |
| Retained earnings to average equity (ytd only) | -0.4990% | 5,367 |
| Net charge-offs to loans | 0.0133% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 429 |
| Efficiency ratio | 72.9835% | 2,523 |
| Assets per employee ($millions) | 4.0959% | 3,741 |
| Cash dividends to net income (ytd only)* | 107.9422% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 48.3195% | 4,965 |
| Net loans and leases to deposits | 59.2378% | 4,843 |
| Net loans and leases to core deposits | 64.6987% | 4,695 |
| Total domestic deposits to total assets | 81.5687% | 4,123 |
| Equity capital to assets | 14.4501% | 886 |
| Core capital (leverage) ratio | 13.9387% | 837 |
| Tier 1 risk-based capital ratio | 24.6389% | 839 |
| Total risk-based capital ratio | 25.8949% | 831 |
| Memoranda: | ||
| Average total assets | $62,148,670 | 5,199 |
| Average earning assets | $57,897,000 | 5,173 |
| Average equity | $8,817,670 | 4,870 |
| Average total loans | $29,992,670 | 5,296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 4,591 |
| Cost of funding earning assets | 0.4676% | 2,396 |
| Net interest margin | 3.1425% | 4,746 |
| Noninterest income to average assets | 0.3456% | 4,259 |
| Noninterest expense to average assets | 2.2911% | 4,687 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9727% | 2,402 |
| Return on assets (ROA) | 0.9727% | 2,516 |
| Pretax return on assets | 0.9791% | 3,555 |
| Return on Equity (ROE) | 6.9189% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.9189% | 1,924 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0587% | 3,117 |
| Assets per employee ($millions) | 4.0856% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9913% | 828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.4999% | 5,085 |
| Net loans and leases to deposits | 55.3555% | 5,022 |
| Net loans and leases to core deposits | 60.6345% | 4,899 |
| Total domestic deposits to total assets | 84.0023% | 3,520 |
| Equity capital to assets | 14.6319% | 797 |
| Core capital (leverage) ratio | 14.2262% | 754 |
| Tier 1 risk-based capital ratio | 25.8143% | 748 |
| Total risk-based capital ratio | 27.0691% | 736 |
| Memoranda: | ||
| Average total assets | $62,503,500 | 5,237 |
| Average earning assets | $58,170,000 | 5,212 |
| Average equity | $8,787,500 | 4,908 |
| Average total loans | $29,856,500 | 5,343 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,692 |
| Cost of funding earning assets | 0.4821% | 2,338 |
| Net interest margin | 3.1130% | 4,871 |
| Noninterest income to average assets | 0.4263% | 3,844 |
| Noninterest expense to average assets | 2.4100% | 4,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9235% | 2,739 |
| Return on assets (ROA) | 0.9621% | 2,644 |
| Pretax return on assets | 0.9637% | 3,603 |
| Return on Equity (ROE) | 7.0166% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.3297% | 2,896 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2624% | 2,860 |
| Assets per employee ($millions) | 4.2482% | 3,494 |
| Cash dividends to net income (ytd only)* | 38.2943% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.1698% | 5,080 |
| Net loans and leases to deposits | 57.7084% | 4,931 |
| Net loans and leases to core deposits | 62.8014% | 4,812 |
| Total domestic deposits to total assets | 81.7381% | 4,245 |
| Equity capital to assets | 13.5085% | 1,123 |
| Core capital (leverage) ratio | 13.6429% | 922 |
| Tier 1 risk-based capital ratio | 25.2768% | 795 |
| Total risk-based capital ratio | 26.5329% | 781 |
| Memoranda: | ||
| Average total assets | $62,158,000 | 5,274 |
| Average earning assets | $58,079,200 | 5,237 |
| Average equity | $8,522,600 | 4,956 |
| Average total loans | $29,173,400 | 5,395 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 4,749 |
| Cost of funding earning assets | 0.4782% | 2,425 |
| Net interest margin | 3.1185% | 4,914 |
| Noninterest income to average assets | 0.4404% | 3,791 |
| Noninterest expense to average assets | 2.3464% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0059% | 2,441 |
| Return on assets (ROA) | 1.0275% | 2,429 |
| Pretax return on assets | 1.0296% | 3,504 |
| Return on Equity (ROE) | 7.4654% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.8739% | 3,711 |
| Net charge-offs to loans | -0.0046% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9485% | 3,220 |
| Assets per employee ($millions) | 4.8177% | 2,537 |
| Cash dividends to net income (ytd only)* | 48.1100% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9172% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.2952% | 5,133 |
| Net loans and leases to deposits | 55.7226% | 5,143 |
| Net loans and leases to core deposits | 61.6834% | 4,963 |
| Total domestic deposits to total assets | 84.8763% | 3,065 |
| Equity capital to assets | 13.8400% | 1,089 |
| Core capital (leverage) ratio | 13.7663% | 921 |
| Tier 1 risk-based capital ratio | 24.8160% | 874 |
| Total risk-based capital ratio | 26.0727% | 860 |
| Memoranda: | ||
| Average total assets | $61,766,750 | 5,346 |
| Average earning assets | $57,718,000 | 5,314 |
| Average equity | $8,501,250 | 5,018 |
| Average total loans | $28,807,500 | 5,475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,835 |
| Cost of funding earning assets | 0.4782% | 2,447 |
| Net interest margin | 3.0819% | 5,009 |
| Noninterest income to average assets | 0.3611% | 4,356 |
| Noninterest expense to average assets | 2.4106% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8198% | 3,285 |
| Return on assets (ROA) | 0.8198% | 3,387 |
| Pretax return on assets | 0.8230% | 4,238 |
| Return on Equity (ROE) | 5.9676% | 4,140 |
| Retained earnings to average equity (ytd only) | 0.5447% | 5,335 |
| Net charge-offs to loans | -0.0071% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5473% | 2,607 |
| Assets per employee ($millions) | 4.4074% | 3,128 |
| Cash dividends to net income (ytd only)* | 90.8730% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0209% | 953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,376 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.4937% | 5,290 |
| Net loans and leases to deposits | 53.5952% | 5,284 |
| Net loans and leases to core deposits | 59.4171% | 5,109 |
| Total domestic deposits to total assets | 84.8840% | 3,174 |
| Equity capital to assets | 13.5002% | 1,169 |
| Core capital (leverage) ratio | 13.4978% | 988 |
| Tier 1 risk-based capital ratio | 24.5159% | 904 |
| Total risk-based capital ratio | 25.7704% | 892 |
| Memoranda: | ||
| Average total assets | $61,479,000 | 5,408 |
| Average earning assets | $57,302,670 | 5,388 |
| Average equity | $8,445,670 | 5,064 |
| Average total loans | $28,343,330 | 5,540 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 4,880 |
| Cost of funding earning assets | 0.4756% | 2,496 |
| Net interest margin | 3.0563% | 5,069 |
| Noninterest income to average assets | 0.3585% | 4,336 |
| Noninterest expense to average assets | 2.4443% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7561% | 3,504 |
| Return on assets (ROA) | 0.7561% | 3,641 |
| Pretax return on assets | 0.7626% | 4,378 |
| Return on Equity (ROE) | 5.4566% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.4566% | 2,805 |
| Net charge-offs to loans | -0.0142% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2195% | 2,484 |
| Assets per employee ($millions) | 4.0575% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,461 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 45.2344% | 5,251 |
| Net loans and leases to deposits | 53.5029% | 5,234 |
| Net loans and leases to core deposits | 59.4224% | 5,041 |
| Total domestic deposits to total assets | 84.5456% | 3,604 |
| Equity capital to assets | 14.1564% | 932 |
| Core capital (leverage) ratio | 13.7384% | 897 |
| Tier 1 risk-based capital ratio | 24.1254% | 981 |
| Total risk-based capital ratio | 25.3777% | 964 |
| Memoranda: | ||
| Average total assets | $61,367,000 | 5,468 |
| Average earning assets | $57,193,500 | 5,440 |
| Average equity | $8,503,500 | 5,095 |
| Average total loans | $28,190,000 | 5,585 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 4,837 |
| Cost of funding earning assets | 0.4928% | 2,739 |
| Net interest margin | 3.1914% | 4,953 |
| Noninterest income to average assets | 0.3880% | 4,277 |
| Noninterest expense to average assets | 2.6040% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7626% | 3,552 |
| Return on assets (ROA) | 0.7660% | 3,639 |
| Pretax return on assets | 0.7660% | 4,382 |
| Return on Equity (ROE) | 5.6194% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.1287% | 4,010 |
| Net charge-offs to loans | -0.0390% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3472% | 2,305 |
| Assets per employee ($millions) | 4.1247% | 3,672 |
| Cash dividends to net income (ytd only)* | 44.3231% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 1,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 5,540 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.7576% | 5,422 |
| Net loans and leases to deposits | 52.5525% | 5,441 |
| Net loans and leases to core deposits | 58.2278% | 5,250 |
| Total domestic deposits to total assets | 85.1675% | 3,224 |
| Equity capital to assets | 13.5621% | 1,132 |
| Core capital (leverage) ratio | 13.4980% | 969 |
| Tier 1 risk-based capital ratio | 24.4323% | 900 |
| Total risk-based capital ratio | 25.6887% | 881 |
| Memoranda: | ||
| Average total assets | $59,793,200 | 5,556 |
| Average earning assets | $55,805,600 | 5,523 |
| Average equity | $8,150,400 | 5,169 |
| Average total loans | $28,206,800 | 5,643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,879 |
| Cost of funding earning assets | 0.4916% | 2,845 |
| Net interest margin | 3.2028% | 4,961 |
| Noninterest income to average assets | 0.3802% | 4,400 |
| Noninterest expense to average assets | 2.5283% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8413% | 3,229 |
| Return on assets (ROA) | 0.8458% | 3,293 |
| Pretax return on assets | 0.8458% | 4,200 |
| Return on Equity (ROE) | 6.1966% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.8511% | 4,568 |
| Net charge-offs to loans | -0.0520% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0334% | 2,658 |
| Assets per employee ($millions) | 4.3043% | 3,291 |
| Cash dividends to net income (ytd only)* | 53.9895% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 1,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,660 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 46.1500% | 5,362 |
| Net loans and leases to deposits | 56.3594% | 5,220 |
| Net loans and leases to core deposits | 62.3375% | 5,016 |
| Total domestic deposits to total assets | 81.8852% | 4,517 |
| Equity capital to assets | 13.6708% | 1,118 |
| Core capital (leverage) ratio | 13.8536% | 883 |
| Tier 1 risk-based capital ratio | 24.6677% | 906 |
| Total risk-based capital ratio | 25.9248% | 897 |
| Memoranda: | ||
| Average total assets | $59,273,750 | 5,629 |
| Average earning assets | $55,324,750 | 5,605 |
| Average equity | $8,090,250 | 5,222 |
| Average total loans | $28,191,000 | 5,697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 4,856 |
| Cost of funding earning assets | 0.4878% | 2,948 |
| Net interest margin | 3.2147% | 4,899 |
| Noninterest income to average assets | 0.3664% | 4,504 |
| Noninterest expense to average assets | 2.4803% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8822% | 2,901 |
| Return on assets (ROA) | 0.8890% | 2,958 |
| Pretax return on assets | 0.8890% | 3,926 |
| Return on Equity (ROE) | 6.5166% | 3,872 |
| Retained earnings to average equity (ytd only) | 1.4675% | 5,157 |
| Net charge-offs to loans | -0.0782% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7639% | 3,013 |
| Assets per employee ($millions) | 3.9914% | 3,853 |
| Cash dividends to net income (ytd only)* | 77.4809% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 1,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 5,771 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 42.9323% | 5,613 |
| Net loans and leases to deposits | 50.5040% | 5,602 |
| Net loans and leases to core deposits | 55.5150% | 5,442 |
| Total domestic deposits to total assets | 85.0078% | 3,504 |
| Equity capital to assets | 13.6995% | 1,084 |
| Core capital (leverage) ratio | 13.7291% | 909 |
| Tier 1 risk-based capital ratio | 25.5336% | 822 |
| Total risk-based capital ratio | 26.7902% | 798 |
| Memoranda: | ||
| Average total assets | $58,945,000 | 5,689 |
| Average earning assets | $54,935,330 | 5,665 |
| Average equity | $8,041,000 | 5,263 |
| Average total loans | $28,125,330 | 5,739 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7419% | 4,696 |
| Cost of funding earning assets | 0.4970% | 2,936 |
| Net interest margin | 3.2449% | 4,757 |
| Noninterest income to average assets | 0.3693% | 4,432 |
| Noninterest expense to average assets | 2.5307% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8755% | 2,768 |
| Return on assets (ROA) | 0.8892% | 2,769 |
| Pretax return on assets | 0.8892% | 3,742 |
| Return on Equity (ROE) | 6.5323% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.5323% | 2,263 |
| Net charge-offs to loans | -0.0413% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2972% | 3,083 |
| Assets per employee ($millions) | 3.7103% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,864 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.6787% | 5,169 |
| Net loans and leases to deposits | 56.2659% | 5,095 |
| Net loans and leases to core deposits | 62.3107% | 4,845 |
| Total domestic deposits to total assets | 84.7382% | 3,979 |
| Equity capital to assets | 13.6312% | 1,064 |
| Core capital (leverage) ratio | 14.0908% | 792 |
| Tier 1 risk-based capital ratio | 18.1727% | 2,222 |
| Total risk-based capital ratio | 19.4222% | 2,194 |
| Memoranda: | ||
| Average total assets | $58,482,000 | 5,753 |
| Average earning assets | $54,731,500 | 5,713 |
| Average equity | $7,960,500 | 5,307 |
| Average total loans | $29,047,000 | 5,746 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 4,470 |
| Cost of funding earning assets | 0.5612% | 3,007 |
| Net interest margin | 3.3375% | 4,527 |
| Noninterest income to average assets | 0.4164% | 4,331 |
| Noninterest expense to average assets | 2.7449% | 3,930 |
| Loan and lease loss provision to assets | 0.0694% | 3,740 |
| Net operating income to assets | 0.7079% | 3,760 |
| Return on assets (ROA) | 0.7062% | 3,851 |
| Pretax return on assets | 0.7062% | 4,518 |
| Return on Equity (ROE) | 5.0087% | 4,629 |
| Retained earnings to average equity (ytd only) | -0.6399% | 5,997 |
| Net charge-offs to loans | 0.0975% | 3,866 |
| Credit loss provision to net charge-offs | 137.9310% | 1,693 |
| Earnings coverage of net charge-offs (x) | 15.4483% | 1,866 |
| Efficiency ratio | 77.9310% | 2,479 |
| Assets per employee ($millions) | 3.6000% | 4,680 |
| Cash dividends to net income (ytd only)* | 112.7764% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 1,682 |
| Loan loss allowance to noncurrent loans | 28,350.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 5,918 |
| Noncurrent loans to loans | 0.0068% | 6,277 |
| Net loans and leases to total assets | 49.7448% | 5,111 |
| Net loans and leases to deposits | 59.8972% | 4,946 |
| Net loans and leases to core deposits | 66.6845% | 4,637 |
| Total domestic deposits to total assets | 83.0503% | 4,531 |
| Equity capital to assets | 13.5920% | 1,037 |
| Core capital (leverage) ratio | 14.0208% | 819 |
| Tier 1 risk-based capital ratio | 18.2307% | 2,172 |
| Total risk-based capital ratio | 19.4818% | 2,132 |
| Memoranda: | ||
| Average total assets | $57,633,200 | 5,817 |
| Average earning assets | $53,633,000 | 5,780 |
| Average equity | $8,125,800 | 5,303 |
| Average total loans | $29,752,400 | 5,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 4,490 |
| Cost of funding earning assets | 0.5751% | 3,046 |
| Net interest margin | 3.3284% | 4,538 |
| Noninterest income to average assets | 0.3955% | 4,564 |
| Noninterest expense to average assets | 2.6624% | 4,154 |
| Loan and lease loss provision to assets | 0.0694% | 3,675 |
| Net operating income to assets | 0.7564% | 3,575 |
| Return on assets (ROA) | 0.7541% | 3,711 |
| Pretax return on assets | 0.7541% | 4,474 |
| Return on Equity (ROE) | 5.3007% | 4,561 |
| Retained earnings to average equity (ytd only) | -2.1626% | 6,284 |
| Net charge-offs to loans | 0.1428% | 3,114 |
| Credit loss provision to net charge-offs | 93.7500% | 2,536 |
| Earnings coverage of net charge-offs (x) | 11.1551% | 2,274 |
| Efficiency ratio | 76.3263% | 2,680 |
| Assets per employee ($millions) | 3.6228% | 4,615 |
| Cash dividends to net income (ytd only)* | 140.7951% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,142 |
| Loan loss allowance to noncurrent loans | 9,233.3333% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 6,022 |
| Noncurrent loans to loans | 0.0200% | 6,293 |
| Net loans and leases to total assets | 50.7289% | 5,042 |
| Net loans and leases to deposits | 60.7303% | 4,898 |
| Net loans and leases to core deposits | 67.4334% | 4,578 |
| Total domestic deposits to total assets | 83.5314% | 4,366 |
| Equity capital to assets | 13.4840% | 1,122 |
| Core capital (leverage) ratio | 13.7233% | 946 |
| Tier 1 risk-based capital ratio | 17.5806% | 2,484 |
| Total risk-based capital ratio | 18.8060% | 2,460 |
| Memoranda: | ||
| Average total assets | $57,641,500 | 5,884 |
| Average earning assets | $53,557,250 | 5,836 |
| Average equity | $8,200,000 | 5,338 |
| Average total loans | $29,885,500 | 5,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 4,609 |
| Cost of funding earning assets | 0.5860% | 3,072 |
| Net interest margin | 3.2771% | 4,660 |
| Noninterest income to average assets | 0.3859% | 4,623 |
| Noninterest expense to average assets | 2.6489% | 4,223 |
| Loan and lease loss provision to assets | 0.0695% | 3,644 |
| Net operating income to assets | 0.7196% | 3,723 |
| Return on assets (ROA) | 0.7196% | 3,893 |
| Pretax return on assets | 0.7196% | 4,619 |
| Return on Equity (ROE) | 4.9712% | 4,745 |
| Retained earnings to average equity (ytd only) | -6.0519% | 6,519 |
| Net charge-offs to loans | 0.0134% | 4,580 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 422 |
| Efficiency ratio | 77.0475% | 2,614 |
| Assets per employee ($millions) | 3.4089% | 5,039 |
| Cash dividends to net income (ytd only)* | 221.7391% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,105 |
| Loan loss allowance to noncurrent loans | 203.1915% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 4,554 |
| Noncurrent loans to loans | 0.9373% | 4,051 |
| Net loans and leases to total assets | 50.9284% | 5,006 |
| Net loans and leases to deposits | 61.1056% | 4,847 |
| Net loans and leases to core deposits | 68.8261% | 4,417 |
| Total domestic deposits to total assets | 83.3448% | 4,570 |
| Equity capital to assets | 13.4611% | 1,155 |
| Core capital (leverage) ratio | 13.4635% | 991 |
| Tier 1 risk-based capital ratio | 17.2643% | 2,608 |
| Total risk-based capital ratio | 18.5146% | 2,580 |
| Memoranda: | ||
| Average total assets | $57,533,670 | 5,932 |
| Average earning assets | $53,584,330 | 5,876 |
| Average equity | $8,328,000 | 5,357 |
| Average total loans | $29,861,000 | 5,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 4,663 |
| Cost of funding earning assets | 0.5870% | 3,242 |
| Net interest margin | 3.2586% | 4,687 |
| Noninterest income to average assets | 0.3838% | 4,590 |
| Noninterest expense to average assets | 2.7423% | 3,911 |
| Loan and lease loss provision to assets | 0.0698% | 3,469 |
| Net operating income to assets | 0.5931% | 4,252 |
| Return on assets (ROA) | 0.5931% | 4,399 |
| Pretax return on assets | 0.5931% | 4,971 |
| Return on Equity (ROE) | 3.9574% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.9574% | 3,861 |
| Net charge-offs to loans | 0.0538% | 3,286 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 23.7500% | 1,094 |
| Efficiency ratio | 80.5328% | 2,244 |
| Assets per employee ($millions) | 3.3599% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,478 |
| Loan loss allowance to noncurrent loans | 201.4337% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 4,691 |
| Noncurrent loans to loans | 0.9135% | 4,307 |
| Net loans and leases to total assets | 52.4887% | 4,624 |
| Net loans and leases to deposits | 62.9959% | 4,425 |
| Net loans and leases to core deposits | 68.4685% | 4,244 |
| Total domestic deposits to total assets | 83.3208% | 4,751 |
| Equity capital to assets | 15.0650% | 742 |
| Core capital (leverage) ratio | 14.4057% | 693 |
| Tier 1 risk-based capital ratio | 18.2403% | 2,277 |
| Total risk-based capital ratio | 19.4956% | 2,237 |
| Memoranda: | ||
| Average total assets | $57,324,500 | 5,981 |
| Average earning assets | $53,151,000 | 5,938 |
| Average equity | $8,591,500 | 5,335 |
| Average total loans | $29,748,000 | 5,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 5,001 |
| Cost of funding earning assets | 0.6879% | 3,587 |
| Net interest margin | 3.3979% | 4,890 |
| Noninterest income to average assets | 0.4217% | 4,443 |
| Noninterest expense to average assets | 2.7403% | 4,248 |
| Loan and lease loss provision to assets | 0.1826% | 3,352 |
| Net operating income to assets | 0.6353% | 4,062 |
| Return on assets (ROA) | 0.7412% | 3,795 |
| Pretax return on assets | 0.7430% | 4,504 |
| Return on Equity (ROE) | 4.8243% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.8243% | 2,830 |
| Net charge-offs to loans | -0.0687% | 6,769 |
| Credit loss provision to net charge-offs | -526.3158% | 6,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9744% | 2,596 |
| Assets per employee ($millions) | 3.3841% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 2,232 |
| Loan loss allowance to noncurrent loans | 193.0556% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 4,776 |
| Noncurrent loans to loans | 0.9947% | 4,204 |
| Net loans and leases to total assets | 49.3603% | 5,257 |
| Net loans and leases to deposits | 59.1210% | 5,118 |
| Net loans and leases to core deposits | 63.9414% | 4,963 |
| Total domestic deposits to total assets | 83.4904% | 4,541 |
| Equity capital to assets | 14.9105% | 765 |
| Core capital (leverage) ratio | 14.4031% | 695 |
| Tier 1 risk-based capital ratio | 19.1874% | 1,907 |
| Total risk-based capital ratio | 20.4175% | 1,886 |
| Memoranda: | ||
| Average total assets | $54,775,400 | 6,055 |
| Average earning assets | $50,589,400 | 6,028 |
| Average equity | $8,415,800 | 5,386 |
| Average total loans | $27,668,600 | 6,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 4,923 |
| Cost of funding earning assets | 0.7063% | 3,708 |
| Net interest margin | 3.4623% | 4,801 |
| Noninterest income to average assets | 0.3845% | 4,753 |
| Noninterest expense to average assets | 2.6648% | 4,517 |
| Loan and lease loss provision to assets | 0.1972% | 3,113 |
| Net operating income to assets | 0.7223% | 3,817 |
| Return on assets (ROA) | 0.8086% | 3,650 |
| Pretax return on assets | 0.8110% | 4,440 |
| Return on Equity (ROE) | 5.2216% | 4,718 |
| Retained earnings to average equity (ytd only) | 5.2216% | 3,210 |
| Net charge-offs to loans | -0.1560% | 6,949 |
| Credit loss provision to net charge-offs | -250.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2955% | 2,934 |
| Assets per employee ($millions) | 3.2551% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 2,241 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 5,803 |
| Noncurrent loans to loans | 0.0324% | 6,539 |
| Net loans and leases to total assets | 49.2166% | 5,413 |
| Net loans and leases to deposits | 59.4742% | 5,261 |
| Net loans and leases to core deposits | 64.3671% | 5,112 |
| Total domestic deposits to total assets | 82.7530% | 4,741 |
| Equity capital to assets | 15.6225% | 685 |
| Core capital (leverage) ratio | 14.6053% | 684 |
| Tier 1 risk-based capital ratio | 19.9462% | 1,777 |
| Total risk-based capital ratio | 21.1973% | 1,749 |
| Memoranda: | ||
| Average total assets | $54,086,750 | 6,151 |
| Average earning assets | $50,023,500 | 6,117 |
| Average equity | $8,375,250 | 5,451 |
| Average total loans | $27,347,500 | 6,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 4,924 |
| Cost of funding earning assets | 0.7173% | 3,880 |
| Net interest margin | 3.4900% | 4,718 |
| Noninterest income to average assets | 0.3913% | 4,719 |
| Noninterest expense to average assets | 2.6346% | 4,670 |
| Loan and lease loss provision to assets | 0.1863% | 3,239 |
| Net operating income to assets | 0.7937% | 3,418 |
| Return on assets (ROA) | 0.8459% | 3,433 |
| Pretax return on assets | 0.8496% | 4,280 |
| Return on Equity (ROE) | 5.4796% | 4,593 |
| Retained earnings to average equity (ytd only) | 5.4796% | 2,999 |
| Net charge-offs to loans | -0.2279% | 7,026 |
| Credit loss provision to net charge-offs | -161.2903% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8115% | 3,277 |
| Assets per employee ($millions) | 3.1638% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 2,496 |
| Loan loss allowance to noncurrent loans | 3,453.3333% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 5,687 |
| Noncurrent loans to loans | 0.0555% | 6,541 |
| Net loans and leases to total assets | 49.2935% | 5,447 |
| Net loans and leases to deposits | 59.6405% | 5,272 |
| Net loans and leases to core deposits | 64.6902% | 5,133 |
| Total domestic deposits to total assets | 82.6510% | 4,889 |
| Equity capital to assets | 15.6887% | 645 |
| Core capital (leverage) ratio | 14.8378% | 629 |
| Tier 1 risk-based capital ratio | 18.9545% | 1,979 |
| Total risk-based capital ratio | 20.1852% | 1,967 |
| Memoranda: | ||
| Average total assets | $53,670,000 | 6,200 |
| Average earning assets | $49,627,670 | 6,170 |
| Average equity | $8,285,330 | 5,484 |
| Average total loans | $27,202,000 | 6,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 5,184 |
| Cost of funding earning assets | 0.7339% | 3,997 |
| Net interest margin | 3.4438% | 4,935 |
| Noninterest income to average assets | 0.3805% | 4,819 |
| Noninterest expense to average assets | 2.5367% | 5,033 |
| Loan and lease loss provision to assets | 0.2238% | 2,707 |
| Net operating income to assets | 0.8058% | 3,352 |
| Return on assets (ROA) | 0.9102% | 3,093 |
| Pretax return on assets | 0.9102% | 3,996 |
| Return on Equity (ROE) | 5.9447% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.9447% | 2,988 |
| Net charge-offs to loans | -0.4398% | 7,129 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1297% | 3,597 |
| Assets per employee ($millions) | 3.1196% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 2,876 |
| Loan loss allowance to noncurrent loans | 4,970.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 5,561 |
| Noncurrent loans to loans | 0.0370% | 6,668 |
| Net loans and leases to total assets | 50.0849% | 5,293 |
| Net loans and leases to deposits | 60.5761% | 5,084 |
| Net loans and leases to core deposits | 65.7638% | 4,941 |
| Total domestic deposits to total assets | 82.6809% | 5,049 |
| Equity capital to assets | 15.6371% | 632 |
| Core capital (leverage) ratio | 14.6659% | 660 |
| Tier 1 risk-based capital ratio | 19.3009% | 1,896 |
| Total risk-based capital ratio | 20.5312% | 1,875 |
| Memoranda: | ||
| Average total assets | $53,613,000 | 6,242 |
| Average earning assets | $49,597,000 | 6,214 |
| Average equity | $8,209,000 | 5,527 |
| Average total loans | $27,288,000 | 6,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 5,283 |
| Cost of funding earning assets | 0.8575% | 4,415 |
| Net interest margin | 3.5809% | 4,803 |
| Noninterest income to average assets | 0.5249% | 3,683 |
| Noninterest expense to average assets | 2.9022% | 3,948 |
| Loan and lease loss provision to assets | 0.1533% | 4,708 |
| Net operating income to assets | 0.7873% | 3,097 |
| Return on assets (ROA) | 0.7778% | 3,306 |
| Pretax return on assets | 0.7797% | 4,051 |
| Return on Equity (ROE) | 5.1766% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.1766% | 2,522 |
| Net charge-offs to loans | 0.6005% | 2,647 |
| Credit loss provision to net charge-offs | 49.3827% | 5,436 |
| Earnings coverage of net charge-offs (x) | 3.0370% | 3,692 |
| Efficiency ratio | 75.4858% | 2,980 |
| Assets per employee ($millions) | 3.3870% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,633 |
| Loan loss allowance to noncurrent loans | 1,285.2941% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.5499% | 5,594 |
| Noncurrent loans to loans | 0.1236% | 6,496 |
| Net loans and leases to total assets | 49.9705% | 5,585 |
| Net loans and leases to deposits | 62.1357% | 5,223 |
| Net loans and leases to core deposits | 67.4807% | 5,092 |
| Total domestic deposits to total assets | 80.4215% | 5,617 |
| Equity capital to assets | 14.9930% | 785 |
| Core capital (leverage) ratio | 14.2169% | 772 |
| Tier 1 risk-based capital ratio | 18.2525% | 2,120 |
| Total risk-based capital ratio | 19.2918% | 2,154 |
| Memoranda: | ||
| Average total assets | $52,201,200 | 6,298 |
| Average earning assets | $48,395,400 | 6,245 |
| Average equity | $7,843,000 | 5,617 |
| Average total loans | $26,978,600 | 6,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 5,467 |
| Cost of funding earning assets | 0.8676% | 4,653 |
| Net interest margin | 3.5703% | 4,899 |
| Noninterest income to average assets | 0.5209% | 3,717 |
| Noninterest expense to average assets | 2.7954% | 4,361 |
| Loan and lease loss provision to assets | 0.2063% | 3,955 |
| Net operating income to assets | 0.8303% | 3,021 |
| Return on assets (ROA) | 0.8175% | 3,237 |
| Pretax return on assets | 0.8175% | 4,061 |
| Return on Equity (ROE) | 5.4379% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.4379% | 2,885 |
| Net charge-offs to loans | 0.1590% | 4,507 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 12.5613% | 1,692 |
| Efficiency ratio | 72.9475% | 3,371 |
| Assets per employee ($millions) | 3.5679% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 1,992 |
| Loan loss allowance to noncurrent loans | 121.9355% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 4,038 |
| Noncurrent loans to loans | 1.7503% | 3,699 |
| Net loans and leases to total assets | 48.5818% | 5,883 |
| Net loans and leases to deposits | 58.5032% | 5,795 |
| Net loans and leases to core deposits | 64.3039% | 5,586 |
| Total domestic deposits to total assets | 83.0412% | 4,663 |
| Equity capital to assets | 15.1108% | 828 |
| Core capital (leverage) ratio | 14.4954% | 773 |
| Tier 1 risk-based capital ratio | 18.6712% | 2,041 |
| Total risk-based capital ratio | 19.9119% | 1,999 |
| Memoranda: | ||
| Average total assets | $51,703,500 | 6,370 |
| Average earning assets | $47,949,500 | 6,313 |
| Average equity | $7,772,500 | 5,667 |
| Average total loans | $26,844,000 | 6,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 5,209 |
| Cost of funding earning assets | 0.8829% | 4,809 |
| Net interest margin | 3.6584% | 4,482 |
| Noninterest income to average assets | 0.5206% | 3,700 |
| Noninterest expense to average assets | 2.8181% | 4,351 |
| Loan and lease loss provision to assets | 0.1957% | 3,972 |
| Net operating income to assets | 0.8963% | 2,651 |
| Return on assets (ROA) | 0.8963% | 2,761 |
| Pretax return on assets | 0.8963% | 3,627 |
| Return on Equity (ROE) | 5.9731% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.9731% | 2,456 |
| Net charge-offs to loans | 0.1262% | 4,466 |
| Credit loss provision to net charge-offs | 294.1176% | 1,037 |
| Earnings coverage of net charge-offs (x) | 16.4118% | 1,345 |
| Efficiency ratio | 72.0721% | 3,718 |
| Assets per employee ($millions) | 3.4683% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 2,030 |
| Loan loss allowance to noncurrent loans | 133.6562% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 4,238 |
| Noncurrent loans to loans | 1.6017% | 3,992 |
| Net loans and leases to total assets | 48.5017% | 5,993 |
| Net loans and leases to deposits | 58.6296% | 5,863 |
| Net loans and leases to core deposits | 64.7548% | 5,635 |
| Total domestic deposits to total assets | 82.7256% | 4,895 |
| Equity capital to assets | 15.1466% | 786 |
| Core capital (leverage) ratio | 14.6701% | 733 |
| Tier 1 risk-based capital ratio | 18.9146% | 1,872 |
| Total risk-based capital ratio | 20.1660% | 1,832 |
| Memoranda: | ||
| Average total assets | $51,098,670 | 6,447 |
| Average earning assets | $47,343,000 | 6,384 |
| Average equity | $7,667,670 | 5,715 |
| Average total loans | $26,936,330 | 6,418 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 4,256 |
| Cost of funding earning assets | 0.9026% | 4,899 |
| Net interest margin | 3.8572% | 3,351 |
| Noninterest income to average assets | 0.5530% | 3,486 |
| Noninterest expense to average assets | 2.8281% | 4,339 |
| Loan and lease loss provision to assets | 0.1580% | 4,047 |
| Net operating income to assets | 1.1454% | 1,682 |
| Return on assets (ROA) | 1.1454% | 1,732 |
| Pretax return on assets | 1.1454% | 2,584 |
| Return on Equity (ROE) | 7.6704% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.6704% | 1,853 |
| Net charge-offs to loans | -0.1745% | 7,233 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4512% | 4,570 |
| Assets per employee ($millions) | 3.3318% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0785% | 2,227 |
| Loan loss allowance to noncurrent loans | 140.5612% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 4,269 |
| Noncurrent loans to loans | 1.4787% | 4,253 |
| Net loans and leases to total assets | 51.9399% | 5,591 |
| Net loans and leases to deposits | 62.9102% | 5,399 |
| Net loans and leases to core deposits | 69.2084% | 5,140 |
| Total domestic deposits to total assets | 82.5620% | 5,082 |
| Equity capital to assets | 15.2730% | 710 |
| Core capital (leverage) ratio | 14.7805% | 697 |
| Tier 1 risk-based capital ratio | 18.8095% | 1,865 |
| Total risk-based capital ratio | 20.0604% | 1,820 |
| Memoranda: | ||
| Average total assets | $50,635,500 | 6,514 |
| Average earning assets | $46,977,000 | 6,454 |
| Average equity | $7,561,500 | 5,757 |
| Average total loans | $27,512,000 | 6,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 6,006 |
| Cost of funding earning assets | 1.0891% | 5,195 |
| Net interest margin | 3.5450% | 5,057 |
| Noninterest income to average assets | 0.5579% | 3,767 |
| Noninterest expense to average assets | 3.1781% | 3,165 |
| Loan and lease loss provision to assets | 0.4483% | 3,438 |
| Net operating income to assets | 0.2112% | 5,242 |
| Return on assets (ROA) | 0.2112% | 5,410 |
| Pretax return on assets | 0.2132% | 5,462 |
| Return on Equity (ROE) | 1.4087% | 5,582 |
| Retained earnings to average equity (ytd only) | 1.4087% | 4,828 |
| Net charge-offs to loans | 1.3907% | 1,602 |
| Credit loss provision to net charge-offs | 56.9620% | 6,136 |
| Earnings coverage of net charge-offs (x) | 0.8405% | 5,290 |
| Efficiency ratio | 82.7711% | 2,072 |
| Assets per employee ($millions) | 3.2059% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 2,800 |
| Loan loss allowance to noncurrent loans | 40.6421% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 3.0569% | 2,310 |
| Noncurrent loans to loans | 4.4783% | 1,585 |
| Net loans and leases to total assets | 54.5795% | 5,563 |
| Net loans and leases to deposits | 67.2399% | 5,206 |
| Net loans and leases to core deposits | 73.4630% | 5,045 |
| Total domestic deposits to total assets | 81.1713% | 5,467 |
| Equity capital to assets | 14.6021% | 884 |
| Core capital (leverage) ratio | 14.4372% | 758 |
| Tier 1 risk-based capital ratio | 17.5285% | 2,162 |
| Total risk-based capital ratio | 18.7777% | 2,127 |
| Memoranda: | ||
| Average total assets | $50,187,400 | 6,527 |
| Average earning assets | $46,460,000 | 6,497 |
| Average equity | $7,524,600 | 5,866 |
| Average total loans | $28,402,000 | 6,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 6,241 |
| Cost of funding earning assets | 1.1156% | 5,345 |
| Net interest margin | 3.5202% | 5,214 |
| Noninterest income to average assets | 0.6064% | 3,398 |
| Noninterest expense to average assets | 3.0641% | 3,519 |
| Loan and lease loss provision to assets | 0.3606% | 3,730 |
| Net operating income to assets | 0.4328% | 4,616 |
| Return on assets (ROA) | 0.4328% | 4,795 |
| Pretax return on assets | 0.4354% | 5,126 |
| Return on Equity (ROE) | 2.8672% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.8672% | 4,414 |
| Net charge-offs to loans | 0.6908% | 2,697 |
| Credit loss provision to net charge-offs | 91.8367% | 4,698 |
| Earnings coverage of net charge-offs (x) | 2.0271% | 4,202 |
| Efficiency ratio | 79.3772% | 2,439 |
| Assets per employee ($millions) | 3.0746% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4288% | 1,434 |
| Loan loss allowance to noncurrent loans | 47.2435% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.3615% | 2,121 |
| Noncurrent loans to loans | 5.1410% | 1,334 |
| Net loans and leases to total assets | 52.0328% | 6,098 |
| Net loans and leases to deposits | 64.6086% | 5,834 |
| Net loans and leases to core deposits | 69.5967% | 5,789 |
| Total domestic deposits to total assets | 80.5353% | 5,534 |
| Equity capital to assets | 14.9228% | 905 |
| Core capital (leverage) ratio | 14.8662% | 740 |
| Tier 1 risk-based capital ratio | 17.8191% | 2,072 |
| Total risk-based capital ratio | 19.0745% | 2,038 |
| Memoranda: | ||
| Average total assets | $49,910,750 | 6,616 |
| Average earning assets | $46,133,000 | 6,588 |
| Average equity | $7,533,250 | 5,933 |
| Average total loans | $28,373,750 | 6,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 6,177 |
| Cost of funding earning assets | 1.1358% | 5,480 |
| Net interest margin | 3.5526% | 5,036 |
| Noninterest income to average assets | 0.4601% | 4,434 |
| Noninterest expense to average assets | 3.2367% | 2,778 |
| Loan and lease loss provision to assets | 0.3664% | 3,513 |
| Net operating income to assets | 0.1384% | 5,758 |
| Return on assets (ROA) | 0.1384% | 5,870 |
| Pretax return on assets | 0.1425% | 5,897 |
| Return on Equity (ROE) | 0.9134% | 5,975 |
| Retained earnings to average equity (ytd only) | 0.9134% | 5,397 |
| Net charge-offs to loans | 1.1212% | 1,692 |
| Credit loss provision to net charge-offs | 56.2500% | 5,294 |
| Earnings coverage of net charge-offs (x) | 0.7813% | 4,981 |
| Efficiency ratio | 86.4130% | 1,660 |
| Assets per employee ($millions) | 3.0235% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1955% | 1,766 |
| Loan loss allowance to noncurrent loans | 38.2808% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 3.7744% | 1,848 |
| Noncurrent loans to loans | 5.7353% | 1,132 |
| Net loans and leases to total assets | 53.6489% | 6,028 |
| Net loans and leases to deposits | 66.1144% | 5,791 |
| Net loans and leases to core deposits | 71.2698% | 5,746 |
| Total domestic deposits to total assets | 81.1455% | 5,352 |
| Equity capital to assets | 14.7415% | 941 |
| Core capital (leverage) ratio | 14.4914% | 820 |
| Tier 1 risk-based capital ratio | 17.7885% | 2,011 |
| Total risk-based capital ratio | 19.0419% | 1,975 |
| Memoranda: | ||
| Average total assets | $49,124,670 | 6,689 |
| Average earning assets | $45,431,000 | 6,653 |
| Average equity | $7,444,330 | 5,987 |
| Average total loans | $28,540,330 | 6,602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 6,329 |
| Cost of funding earning assets | 1.1599% | 5,607 |
| Net interest margin | 3.5157% | 5,100 |
| Noninterest income to average assets | 0.4751% | 4,245 |
| Noninterest expense to average assets | 3.2342% | 2,743 |
| Loan and lease loss provision to assets | 0.3751% | 3,119 |
| Net operating income to assets | 0.1167% | 5,978 |
| Return on assets (ROA) | 0.1167% | 6,091 |
| Pretax return on assets | 0.1250% | 6,073 |
| Return on Equity (ROE) | 0.7590% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.7590% | 5,519 |
| Net charge-offs to loans | 2.4379% | 679 |
| Credit loss provision to net charge-offs | 25.7143% | 4,881 |
| Earnings coverage of net charge-offs (x) | 0.3429% | 4,732 |
| Efficiency ratio | 86.6071% | 1,729 |
| Assets per employee ($millions) | 2.8504% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9769% | 2,251 |
| Loan loss allowance to noncurrent loans | 32.0711% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 3.8922% | 1,774 |
| Noncurrent loans to loans | 6.1642% | 1,054 |
| Net loans and leases to total assets | 57.2003% | 5,567 |
| Net loans and leases to deposits | 71.1532% | 5,172 |
| Net loans and leases to core deposits | 77.6343% | 5,069 |
| Total domestic deposits to total assets | 80.3905% | 5,659 |
| Equity capital to assets | 15.3025% | 808 |
| Core capital (leverage) ratio | 15.0627% | 741 |
| Tier 1 risk-based capital ratio | 18.1180% | 1,919 |
| Total risk-based capital ratio | 19.3703% | 1,890 |
| Memoranda: | ||
| Average total assets | $47,987,500 | 6,806 |
| Average earning assets | $44,486,500 | 6,758 |
| Average equity | $7,378,000 | 6,063 |
| Average total loans | $28,713,500 | 6,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 5,788 |
| Cost of funding earning assets | 1.3260% | 6,215 |
| Net interest margin | 3.8438% | 3,515 |
| Noninterest income to average assets | 0.6278% | 3,441 |
| Noninterest expense to average assets | 3.0612% | 3,901 |
| Loan and lease loss provision to assets | 1.2269% | 1,875 |
| Net operating income to assets | -0.0765% | 5,637 |
| Return on assets (ROA) | 0.0164% | 5,487 |
| Pretax return on assets | 0.0184% | 5,396 |
| Return on Equity (ROE) | 0.1093% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.1093% | 4,840 |
| Net charge-offs to loans | 1.6670% | 1,518 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 1.1625% | 4,960 |
| Efficiency ratio | 72.8467% | 4,125 |
| Assets per employee ($millions) | 2.7952% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,396 |
| Loan loss allowance to noncurrent loans | 34.3641% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 4.2636% | 1,539 |
| Noncurrent loans to loans | 6.8780% | 829 |
| Net loans and leases to total assets | 59.8960% | 5,359 |
| Net loans and leases to deposits | 73.7205% | 5,094 |
| Net loans and leases to core deposits | 90.2410% | 5,099 |
| Total domestic deposits to total assets | 81.2475% | 5,249 |
| Equity capital to assets | 15.4486% | 804 |
| Core capital (leverage) ratio | 14.6606% | 847 |
| Tier 1 risk-based capital ratio | 18.4255% | 1,773 |
| Total risk-based capital ratio | 19.6810% | 1,730 |
| Memoranda: | ||
| Average total assets | $48,902,800 | 6,753 |
| Average earning assets | $45,475,800 | 6,697 |
| Average equity | $7,322,000 | 6,168 |
| Average total loans | $28,793,600 | 6,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 6,111 |
| Cost of funding earning assets | 1.3478% | 6,403 |
| Net interest margin | 3.8018% | 3,649 |
| Noninterest income to average assets | 0.6470% | 3,366 |
| Noninterest expense to average assets | 3.1188% | 3,586 |
| Loan and lease loss provision to assets | 1.6244% | 1,159 |
| Net operating income to assets | -0.5631% | 6,490 |
| Return on assets (ROA) | -0.4711% | 6,403 |
| Pretax return on assets | -0.4684% | 6,260 |
| Return on Equity (ROE) | -3.1705% | 6,267 |
| Retained earnings to average equity (ytd only) | -3.1705% | 5,969 |
| Net charge-offs to loans | 2.2342% | 859 |
| Credit loss provision to net charge-offs | 124.7401% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.8170% | 5,234 |
| Efficiency ratio | 74.5631% | 3,772 |
| Assets per employee ($millions) | 2.9296% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3089% | 1,285 |
| Loan loss allowance to noncurrent loans | 37.0291% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 3.7729% | 1,718 |
| Noncurrent loans to loans | 6.2353% | 938 |
| Net loans and leases to total assets | 58.4503% | 5,817 |
| Net loans and leases to deposits | 74.0204% | 5,364 |
| Net loans and leases to core deposits | 89.4811% | 5,486 |
| Total domestic deposits to total assets | 78.9651% | 5,819 |
| Equity capital to assets | 14.6638% | 1,100 |
| Core capital (leverage) ratio | 14.2904% | 1,010 |
| Tier 1 risk-based capital ratio | 17.3326% | 2,174 |
| Total risk-based capital ratio | 18.5891% | 2,118 |
| Memoranda: | ||
| Average total assets | $49,248,750 | 6,794 |
| Average earning assets | $45,801,750 | 6,746 |
| Average equity | $7,317,250 | 6,219 |
| Average total loans | $28,704,250 | 6,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 6,211 |
| Cost of funding earning assets | 1.3885% | 6,520 |
| Net interest margin | 3.7756% | 3,651 |
| Noninterest income to average assets | 0.4443% | 4,897 |
| Noninterest expense to average assets | 3.3426% | 2,814 |
| Loan and lease loss provision to assets | 0.2038% | 5,017 |
| Net operating income to assets | 0.4078% | 4,486 |
| Return on assets (ROA) | 0.4199% | 4,532 |
| Pretax return on assets | 0.4239% | 4,861 |
| Return on Equity (ROE) | 2.8134% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.8134% | 3,753 |
| Net charge-offs to loans | 0.4023% | 3,187 |
| Credit loss provision to net charge-offs | 87.7193% | 4,987 |
| Earnings coverage of net charge-offs (x) | 2.6491% | 3,750 |
| Efficiency ratio | 84.4490% | 2,427 |
| Assets per employee ($millions) | 2.9451% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 1,562 |
| Loan loss allowance to noncurrent loans | 25.8510% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 4.3842% | 1,302 |
| Noncurrent loans to loans | 7.7449% | 586 |
| Net loans and leases to total assets | 54.9435% | 6,340 |
| Net loans and leases to deposits | 67.1418% | 6,277 |
| Net loans and leases to core deposits | 80.4304% | 6,369 |
| Total domestic deposits to total assets | 81.8320% | 4,761 |
| Equity capital to assets | 14.8983% | 1,057 |
| Core capital (leverage) ratio | 14.8929% | 945 |
| Tier 1 risk-based capital ratio | 18.0057% | 2,021 |
| Total risk-based capital ratio | 19.2586% | 1,953 |
| Memoranda: | ||
| Average total assets | $49,064,000 | 6,868 |
| Average earning assets | $45,661,670 | 6,809 |
| Average equity | $7,322,000 | 6,255 |
| Average total loans | $28,339,670 | 6,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 5,941 |
| Cost of funding earning assets | 1.4722% | 6,495 |
| Net interest margin | 3.8172% | 3,379 |
| Noninterest income to average assets | 0.4283% | 4,973 |
| Noninterest expense to average assets | 3.1794% | 3,076 |
| Loan and lease loss provision to assets | 0.2059% | 4,385 |
| Net operating income to assets | 0.6015% | 4,001 |
| Return on assets (ROA) | 0.6260% | 4,089 |
| Pretax return on assets | 0.6342% | 4,640 |
| Return on Equity (ROE) | 4.1911% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.1911% | 3,581 |
| Net charge-offs to loans | 0.1124% | 4,071 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 1,808 |
| Efficiency ratio | 79.5876% | 2,888 |
| Assets per employee ($millions) | 2.8386% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0937% | 1,245 |
| Loan loss allowance to noncurrent loans | 56.5092% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.4390% | 2,349 |
| Noncurrent loans to loans | 3.7050% | 1,684 |
| Net loans and leases to total assets | 56.7855% | 6,133 |
| Net loans and leases to deposits | 69.5967% | 6,016 |
| Net loans and leases to core deposits | 83.4618% | 6,097 |
| Total domestic deposits to total assets | 81.5923% | 4,715 |
| Equity capital to assets | 15.1646% | 1,055 |
| Core capital (leverage) ratio | 14.8833% | 994 |
| Tier 1 risk-based capital ratio | 18.7700% | 1,865 |
| Total risk-based capital ratio | 20.0239% | 1,812 |
| Memoranda: | ||
| Average total assets | $48,563,000 | 6,924 |
| Average earning assets | $45,373,500 | 6,866 |
| Average equity | $7,253,500 | 6,315 |
| Average total loans | $28,474,500 | 6,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0014% | 5,540 |
| Cost of funding earning assets | 1.8517% | 6,864 |
| Net interest margin | 4.1496% | 2,505 |
| Noninterest income to average assets | 0.5604% | 4,159 |
| Noninterest expense to average assets | 3.1185% | 3,623 |
| Loan and lease loss provision to assets | 0.3102% | 3,892 |
| Net operating income to assets | 0.9761% | 2,658 |
| Return on assets (ROA) | 1.1188% | 1,990 |
| Pretax return on assets | 1.1209% | 2,955 |
| Return on Equity (ROE) | 7.5181% | 3,272 |
| Retained earnings to average equity (ytd only) | 1.9177% | 4,040 |
| Net charge-offs to loans | 0.1883% | 4,302 |
| Credit loss provision to net charge-offs | 283.0189% | 1,611 |
| Earnings coverage of net charge-offs (x) | 11.7547% | 2,337 |
| Efficiency ratio | 70.7649% | 4,186 |
| Assets per employee ($millions) | 2.8746% | 6,384 |
| Cash dividends to net income (ytd only)* | 74.4917% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 1,295 |
| Loan loss allowance to noncurrent loans | 36.5446% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 3.2290% | 1,412 |
| Noncurrent loans to loans | 5.3764% | 777 |
| Net loans and leases to total assets | 58.0961% | 6,186 |
| Net loans and leases to deposits | 71.3952% | 6,126 |
| Net loans and leases to core deposits | 84.5549% | 6,249 |
| Total domestic deposits to total assets | 81.3726% | 4,476 |
| Equity capital to assets | 14.7108% | 1,246 |
| Core capital (leverage) ratio | 14.5771% | 1,124 |
| Tier 1 risk-based capital ratio | 18.2864% | 1,961 |
| Total risk-based capital ratio | 19.5287% | 1,916 |
| Memoranda: | ||
| Average total assets | $48,356,000 | 6,846 |
| Average earning assets | $44,823,200 | 6,820 |
| Average equity | $7,196,000 | 6,387 |
| Average total loans | $28,147,000 | 6,833 |