Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 1,367 |
| Cost of funding earning assets | 0.1934% | 5,041 |
| Net interest margin | 4.6299% | 556 |
| Noninterest income to average assets | 0.0673% | 5,303 |
| Noninterest expense to average assets | 2.4212% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8008% | 600 |
| Return on assets (ROA) | 1.8008% | 603 |
| Pretax return on assets | 1.8894% | 836 |
| Return on Equity (ROE) | 9.7547% | 2,727 |
| Retained earnings to average equity (ytd only) | 5.9143% | 2,696 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1678% | 4,365 |
| Assets per employee ($millions) | 7.2584% | 852 |
| Cash dividends to net income (ytd only)* | 39.3699% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4187% | 5,266 |
| Loan loss allowance to noncurrent loans | 53.2189% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6420% | 2,267 |
| Noncurrent loans to loans | 0.7868% | 2,136 |
| Net loans and leases to total assets | 81.2576% | 837 |
| Net loans and leases to deposits | 101.3158% | 685 |
| Net loans and leases to core deposits | 103.0867% | 1,523 |
| Total domestic deposits to total assets | 80.2022% | 4,066 |
| Equity capital to assets | 19.5856% | 245 |
| Core capital (leverage) ratio | 19.5441% | 254 |
| Tier 1 risk-based capital ratio | 21.1913% | 1,160 |
| Total risk-based capital ratio | 21.5610% | 1,255 |
| Memoranda: | ||
| Average total assets | $37,611,500 | 5,198 |
| Average earning assets | $34,471,000 | 5,187 |
| Average equity | $6,943,500 | 4,806 |
| Average total loans | $28,221,250 | 4,916 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,653 |
| Cost of funding earning assets | 0.1987% | 5,036 |
| Net interest margin | 4.4474% | 769 |
| Noninterest income to average assets | 0.0788% | 5,330 |
| Noninterest expense to average assets | 1.9763% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0131% | 371 |
| Return on assets (ROA) | 2.0131% | 367 |
| Pretax return on assets | 2.1024% | 489 |
| Return on Equity (ROE) | 11.1197% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.3131% | 2,928 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4536% | 5,097 |
| Assets per employee ($millions) | 7.3256% | 821 |
| Cash dividends to net income (ytd only)* | 52.2193% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 5,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.6552% | 1,689 |
| Net loans and leases to deposits | 93.5645% | 1,410 |
| Net loans and leases to core deposits | 95.8294% | 2,071 |
| Total domestic deposits to total assets | 80.8589% | 4,037 |
| Equity capital to assets | 19.0646% | 264 |
| Core capital (leverage) ratio | 18.4628% | 300 |
| Tier 1 risk-based capital ratio | 20.9191% | 1,193 |
| Total risk-based capital ratio | 21.2906% | 1,285 |
| Memoranda: | ||
| Average total assets | $38,051,330 | 5,252 |
| Average earning assets | $34,222,330 | 5,253 |
| Average equity | $6,888,670 | 4,861 |
| Average total loans | $27,757,000 | 4,973 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,329 |
| Cost of funding earning assets | 0.2131% | 4,938 |
| Net interest margin | 4.4760% | 649 |
| Noninterest income to average assets | 0.1341% | 5,194 |
| Noninterest expense to average assets | 2.0638% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8884% | 464 |
| Return on assets (ROA) | 1.8884% | 469 |
| Pretax return on assets | 1.9710% | 611 |
| Return on Equity (ROE) | 10.6994% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.8527% | 3,240 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1509% | 5,017 |
| Assets per employee ($millions) | 7.6730% | 717 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4520% | 5,386 |
| 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 | 71.1821% | 2,306 |
| Net loans and leases to deposits | 86.8220% | 2,071 |
| Net loans and leases to core deposits | 88.7982% | 2,564 |
| Total domestic deposits to total assets | 81.9862% | 3,969 |
| Equity capital to assets | 17.9408% | 319 |
| Core capital (leverage) ratio | 18.2133% | 299 |
| Tier 1 risk-based capital ratio | 19.3664% | 1,464 |
| Total risk-based capital ratio | 19.7153% | 1,664 |
| Memoranda: | ||
| Average total assets | $38,763,000 | 5,294 |
| Average earning assets | $33,780,000 | 5,321 |
| Average equity | $6,841,500 | 4,919 |
| Average total loans | $27,718,000 | 5,029 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,061 |
| Cost of funding earning assets | 0.2025% | 4,931 |
| Net interest margin | 4.1860% | 1,216 |
| Noninterest income to average assets | 0.0668% | 5,492 |
| Noninterest expense to average assets | 1.9369% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7545% | 474 |
| Return on assets (ROA) | 1.7545% | 480 |
| Pretax return on assets | 1.8470% | 697 |
| Return on Equity (ROE) | 10.2676% | 1,779 |
| Retained earnings to average equity (ytd only) | 4.2544% | 2,609 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1881% | 5,152 |
| Assets per employee ($millions) | 7.8322% | 681 |
| Cash dividends to net income (ytd only)* | 58.5652% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4428% | 5,454 |
| 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 | 71.1907% | 2,355 |
| Net loans and leases to deposits | 86.1686% | 2,240 |
| Net loans and leases to core deposits | 86.1686% | 2,897 |
| Total domestic deposits to total assets | 82.6179% | 3,687 |
| Equity capital to assets | 17.3642% | 368 |
| Core capital (leverage) ratio | 17.4704% | 336 |
| Tier 1 risk-based capital ratio | 22.6403% | 947 |
| Total risk-based capital ratio | 23.0531% | 1,018 |
| Memoranda: | ||
| Average total assets | $38,928,000 | 5,343 |
| Average earning assets | $34,567,600 | 5,358 |
| Average equity | $6,652,000 | 5,001 |
| Average total loans | $28,410,800 | 5,060 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,493 |
| Cost of funding earning assets | 0.1988% | 4,986 |
| Net interest margin | 4.0369% | 1,581 |
| Noninterest income to average assets | 0.0789% | 5,534 |
| Noninterest expense to average assets | 1.9929% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6911% | 587 |
| Return on assets (ROA) | 1.6911% | 601 |
| Pretax return on assets | 1.7768% | 930 |
| Return on Equity (ROE) | 9.9368% | 2,164 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,606 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8662% | 5,035 |
| Assets per employee ($millions) | 6.2728% | 1,324 |
| Cash dividends to net income (ytd only)* | 60.8516% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4241% | 5,543 |
| 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 | 77.3627% | 1,372 |
| Net loans and leases to deposits | 94.3978% | 1,254 |
| Net loans and leases to core deposits | 94.3978% | 2,233 |
| Total domestic deposits to total assets | 81.9539% | 3,791 |
| Equity capital to assets | 17.8282% | 347 |
| Core capital (leverage) ratio | 17.9840% | 305 |
| Tier 1 risk-based capital ratio | 19.9524% | 1,367 |
| Total risk-based capital ratio | 20.3211% | 1,526 |
| Memoranda: | ||
| Average total assets | $38,869,750 | 5,401 |
| Average earning assets | $35,537,750 | 5,399 |
| Average equity | $6,615,000 | 5,059 |
| Average total loans | $28,512,750 | 5,113 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,442 |
| Cost of funding earning assets | 0.2084% | 4,900 |
| Net interest margin | 3.9995% | 1,606 |
| Noninterest income to average assets | 0.0967% | 5,530 |
| Noninterest expense to average assets | 1.9450% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6853% | 579 |
| Return on assets (ROA) | 1.6853% | 592 |
| Pretax return on assets | 1.7668% | 909 |
| Return on Equity (ROE) | 10.0557% | 2,014 |
| Retained earnings to average equity (ytd only) | 3.9797% | 3,337 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4005% | 5,147 |
| Assets per employee ($millions) | 6.3710% | 1,219 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4348% | 5,581 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 3,487 |
| Noncurrent loans to loans | 0.5436% | 3,116 |
| Net loans and leases to total assets | 74.2741% | 1,816 |
| Net loans and leases to deposits | 90.0704% | 1,720 |
| Net loans and leases to core deposits | 90.0704% | 2,520 |
| Total domestic deposits to total assets | 82.4622% | 3,744 |
| Equity capital to assets | 17.3913% | 374 |
| Core capital (leverage) ratio | 17.9671% | 300 |
| Tier 1 risk-based capital ratio | 19.2094% | 1,548 |
| Total risk-based capital ratio | 19.5677% | 1,729 |
| Memoranda: | ||
| Average total assets | $39,280,670 | 5,438 |
| Average earning assets | $35,504,000 | 5,443 |
| Average equity | $6,583,330 | 5,095 |
| Average total loans | $28,270,000 | 5,160 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,022 |
| Cost of funding earning assets | 0.1606% | 5,296 |
| Net interest margin | 4.1173% | 1,180 |
| Noninterest income to average assets | 0.1407% | 5,407 |
| Noninterest expense to average assets | 1.9795% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6881% | 568 |
| Return on assets (ROA) | 1.6881% | 580 |
| Pretax return on assets | 1.7685% | 862 |
| Return on Equity (ROE) | 10.2580% | 1,846 |
| Retained earnings to average equity (ytd only) | 4.1520% | 3,382 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8150% | 5,219 |
| Assets per employee ($millions) | 6.7692% | 1,051 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 5,663 |
| Loan loss allowance to noncurrent loans | 4,133.3333% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 5,341 |
| Noncurrent loans to loans | 0.0104% | 5,206 |
| Net loans and leases to total assets | 70.5651% | 2,284 |
| Net loans and leases to deposits | 84.3214% | 2,248 |
| Net loans and leases to core deposits | 84.3214% | 2,866 |
| Total domestic deposits to total assets | 83.6858% | 3,587 |
| Equity capital to assets | 16.2132% | 458 |
| Core capital (leverage) ratio | 16.3773% | 415 |
| Tier 1 risk-based capital ratio | 17.4617% | 2,041 |
| Total risk-based capital ratio | 17.7906% | 2,295 |
| Memoranda: | ||
| Average total assets | $39,808,000 | 5,499 |
| Average earning assets | $34,877,000 | 5,523 |
| Average equity | $6,551,000 | 5,148 |
| Average total loans | $28,147,000 | 5,215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,024 |
| Cost of funding earning assets | 0.2234% | 4,800 |
| Net interest margin | 4.1135% | 1,353 |
| Noninterest income to average assets | 0.0766% | 5,706 |
| Noninterest expense to average assets | 1.9407% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5806% | 713 |
| Return on assets (ROA) | 1.5806% | 741 |
| Pretax return on assets | 1.6623% | 1,104 |
| Return on Equity (ROE) | 9.5392% | 2,172 |
| Retained earnings to average equity (ytd only) | 1.8339% | 4,484 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8625% | 5,254 |
| Assets per employee ($millions) | 6.5002% | 1,156 |
| Cash dividends to net income (ytd only)* | 80.7754% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 5,700 |
| 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 | 70.2187% | 2,429 |
| Net loans and leases to deposits | 84.3269% | 2,377 |
| Net loans and leases to core deposits | 84.3269% | 2,994 |
| Total domestic deposits to total assets | 83.2697% | 3,670 |
| Equity capital to assets | 16.7098% | 420 |
| Core capital (leverage) ratio | 16.4127% | 410 |
| Tier 1 risk-based capital ratio | 22.0444% | 1,077 |
| Total risk-based capital ratio | 22.4639% | 1,160 |
| Memoranda: | ||
| Average total assets | $39,162,000 | 5,558 |
| Average earning assets | $33,572,400 | 5,597 |
| Average equity | $6,489,000 | 5,194 |
| Average total loans | $28,269,400 | 5,258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,295 |
| Cost of funding earning assets | 0.2061% | 5,003 |
| Net interest margin | 4.0557% | 1,510 |
| Noninterest income to average assets | 0.0850% | 5,756 |
| Noninterest expense to average assets | 1.9352% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6121% | 715 |
| Return on assets (ROA) | 1.6121% | 752 |
| Pretax return on assets | 1.6971% | 1,124 |
| Return on Equity (ROE) | 9.7498% | 2,171 |
| Retained earnings to average equity (ytd only) | 3.5790% | 3,746 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2772% | 5,287 |
| Assets per employee ($millions) | 7.0373% | 881 |
| Cash dividends to net income (ytd only)* | 63.2916% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4238% | 5,780 |
| 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 | 69.0058% | 2,643 |
| Net loans and leases to deposits | 81.8685% | 2,754 |
| Net loans and leases to core deposits | 83.9901% | 3,122 |
| Total domestic deposits to total assets | 84.2886% | 3,097 |
| Equity capital to assets | 15.5646% | 621 |
| Core capital (leverage) ratio | 17.1293% | 357 |
| Tier 1 risk-based capital ratio | 20.3518% | 1,381 |
| Total risk-based capital ratio | 20.7358% | 1,513 |
| Memoranda: | ||
| Average total assets | $39,202,250 | 5,609 |
| Average earning assets | $34,288,250 | 5,638 |
| Average equity | $6,482,000 | 5,244 |
| Average total loans | $28,459,250 | 5,294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,627 |
| Cost of funding earning assets | 0.2565% | 4,587 |
| Net interest margin | 3.9063% | 1,962 |
| Noninterest income to average assets | 0.1047% | 5,759 |
| Noninterest expense to average assets | 1.8798% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6442% | 651 |
| Return on assets (ROA) | 1.6442% | 692 |
| Pretax return on assets | 1.7332% | 1,016 |
| Return on Equity (ROE) | 9.7334% | 2,168 |
| Retained earnings to average equity (ytd only) | 3.5338% | 3,645 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0290% | 5,440 |
| Assets per employee ($millions) | 6.3068% | 1,193 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4341% | 5,858 |
| 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 | 75.1619% | 1,621 |
| Net loans and leases to deposits | 90.9126% | 1,640 |
| Net loans and leases to core deposits | 93.6023% | 2,202 |
| Total domestic deposits to total assets | 82.6749% | 3,770 |
| Equity capital to assets | 17.2088% | 403 |
| Core capital (leverage) ratio | 17.0137% | 368 |
| Tier 1 risk-based capital ratio | 21.1045% | 1,252 |
| Total risk-based capital ratio | 21.5064% | 1,370 |
| Memoranda: | ||
| Average total assets | $38,195,000 | 5,696 |
| Average earning assets | $34,303,670 | 5,701 |
| Average equity | $6,452,000 | 5,295 |
| Average total loans | $28,192,000 | 5,361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,357 |
| Cost of funding earning assets | 0.1688% | 5,477 |
| Net interest margin | 4.0638% | 1,438 |
| Noninterest income to average assets | 0.1459% | 5,611 |
| Noninterest expense to average assets | 2.0327% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5428% | 787 |
| Return on assets (ROA) | 1.5428% | 828 |
| Pretax return on assets | 1.6262% | 1,233 |
| Return on Equity (ROE) | 9.2183% | 2,314 |
| Retained earnings to average equity (ytd only) | 2.9897% | 4,019 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 5,234 |
| Assets per employee ($millions) | 6.4957% | 1,112 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4405% | 5,917 |
| 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 | 71.9120% | 2,054 |
| Net loans and leases to deposits | 86.2608% | 2,036 |
| Net loans and leases to core deposits | 88.7099% | 2,487 |
| Total domestic deposits to total assets | 83.3658% | 3,764 |
| Equity capital to assets | 16.5392% | 472 |
| Core capital (leverage) ratio | 16.9493% | 377 |
| Tier 1 risk-based capital ratio | 21.1047% | 1,305 |
| Total risk-based capital ratio | 21.5107% | 1,421 |
| Memoranda: | ||
| Average total assets | $38,372,000 | 5,749 |
| Average earning assets | $33,171,000 | 5,787 |
| Average equity | $6,422,000 | 5,330 |
| Average total loans | $28,005,000 | 5,414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,511 |
| Cost of funding earning assets | 0.2342% | 4,961 |
| Net interest margin | 3.9806% | 1,782 |
| Noninterest income to average assets | 0.0524% | 5,998 |
| Noninterest expense to average assets | 2.0863% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4966% | 869 |
| Return on assets (ROA) | 1.4966% | 905 |
| Pretax return on assets | 1.5752% | 1,329 |
| Return on Equity (ROE) | 9.0354% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.7059% | 4,141 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9792% | 5,256 |
| Assets per employee ($millions) | 5.3970% | 1,905 |
| Cash dividends to net income (ytd only)* | 70.0525% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4451% | 5,961 |
| 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 | 73.4138% | 1,822 |
| Net loans and leases to deposits | 88.4294% | 1,819 |
| Net loans and leases to core deposits | 91.0329% | 2,313 |
| Total domestic deposits to total assets | 83.0197% | 3,828 |
| Equity capital to assets | 16.9592% | 415 |
| Core capital (leverage) ratio | 16.5573% | 412 |
| Tier 1 risk-based capital ratio | 21.8081% | 1,179 |
| Total risk-based capital ratio | 22.2302% | 1,281 |
| Memoranda: | ||
| Average total assets | $38,153,800 | 5,804 |
| Average earning assets | $34,592,400 | 5,800 |
| Average equity | $6,319,600 | 5,369 |
| Average total loans | $28,267,600 | 5,433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 2,839 |
| Cost of funding earning assets | 0.2289% | 5,101 |
| Net interest margin | 3.8949% | 2,051 |
| Noninterest income to average assets | 0.0627% | 6,064 |
| Noninterest expense to average assets | 2.0532% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4990% | 923 |
| Return on assets (ROA) | 1.4990% | 956 |
| Pretax return on assets | 1.5687% | 1,484 |
| Return on Equity (ROE) | 9.1036% | 2,526 |
| Retained earnings to average equity (ytd only) | 2.7523% | 4,466 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6891% | 5,260 |
| Assets per employee ($millions) | 5.5391% | 1,752 |
| Cash dividends to net income (ytd only)* | 69.7673% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 6,074 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,740 |
| Noncurrent loans to loans | 0.0206% | 5,551 |
| Net loans and leases to total assets | 74.6815% | 1,611 |
| Net loans and leases to deposits | 89.6030% | 1,700 |
| Net loans and leases to core deposits | 92.1610% | 2,244 |
| Total domestic deposits to total assets | 83.3471% | 3,681 |
| Equity capital to assets | 16.4182% | 505 |
| Core capital (leverage) ratio | 16.9855% | 383 |
| Tier 1 risk-based capital ratio | 20.7186% | 1,397 |
| Total risk-based capital ratio | 21.1222% | 1,542 |
| Memoranda: | ||
| Average total assets | $38,247,500 | 5,878 |
| Average earning assets | $34,950,750 | 5,869 |
| Average equity | $6,297,750 | 5,441 |
| Average total loans | $28,369,750 | 5,492 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,910 |
| Cost of funding earning assets | 0.2288% | 5,161 |
| Net interest margin | 3.8669% | 2,081 |
| Noninterest income to average assets | 0.0788% | 6,095 |
| Noninterest expense to average assets | 2.0540% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4972% | 899 |
| Return on assets (ROA) | 1.4972% | 946 |
| Pretax return on assets | 1.5760% | 1,403 |
| Return on Equity (ROE) | 9.0837% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.7092% | 4,338 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5847% | 5,374 |
| Assets per employee ($millions) | 5.3207% | 1,907 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 6,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 76.5499% | 1,295 |
| Net loans and leases to deposits | 92.4062% | 1,329 |
| Net loans and leases to core deposits | 96.7787% | 1,732 |
| Total domestic deposits to total assets | 82.8406% | 4,008 |
| Equity capital to assets | 16.9714% | 422 |
| Core capital (leverage) ratio | 16.6180% | 397 |
| Tier 1 risk-based capital ratio | 21.0616% | 1,349 |
| Total risk-based capital ratio | 21.4747% | 1,479 |
| Memoranda: | ||
| Average total assets | $38,072,000 | 5,944 |
| Average earning assets | $34,963,330 | 5,931 |
| Average equity | $6,275,000 | 5,490 |
| Average total loans | $28,132,670 | 5,550 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,103 |
| Cost of funding earning assets | 0.2159% | 5,356 |
| Net interest margin | 3.8180% | 2,177 |
| Noninterest income to average assets | 0.1247% | 5,977 |
| Noninterest expense to average assets | 2.1307% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3719% | 1,089 |
| Return on assets (ROA) | 1.3719% | 1,149 |
| Pretax return on assets | 1.4863% | 1,609 |
| Return on Equity (ROE) | 8.4453% | 2,730 |
| Retained earnings to average equity (ytd only) | 2.0473% | 4,652 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9080% | 5,235 |
| Assets per employee ($millions) | 5.4930% | 1,798 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4471% | 6,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.8109% | 1,838 |
| Net loans and leases to deposits | 85.9330% | 1,841 |
| Net loans and leases to core deposits | 88.3923% | 2,283 |
| Total domestic deposits to total assets | 83.5661% | 3,988 |
| Equity capital to assets | 16.3013% | 506 |
| Core capital (leverage) ratio | 16.1880% | 444 |
| Tier 1 risk-based capital ratio | 20.6130% | 1,499 |
| Total risk-based capital ratio | 21.0208% | 1,637 |
| Memoranda: | ||
| Average total assets | $38,485,500 | 5,996 |
| Average earning assets | $35,202,000 | 5,982 |
| Average equity | $6,252,000 | 5,541 |
| Average total loans | $27,881,500 | 5,602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 3,305 |
| Cost of funding earning assets | 0.2568% | 5,255 |
| Net interest margin | 3.8493% | 2,431 |
| Noninterest income to average assets | 0.0496% | 6,292 |
| Noninterest expense to average assets | 2.0063% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5622% | 774 |
| Return on assets (ROA) | 1.5622% | 803 |
| Pretax return on assets | 1.6458% | 1,106 |
| Return on Equity (ROE) | 9.7537% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.2295% | 3,932 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9356% | 5,768 |
| Assets per employee ($millions) | 5.5029% | 1,767 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 6,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.4377% | 1,841 |
| Net loans and leases to deposits | 86.4887% | 1,915 |
| Net loans and leases to core deposits | 88.6175% | 2,429 |
| Total domestic deposits to total assets | 83.7539% | 3,817 |
| Equity capital to assets | 16.1890% | 511 |
| Core capital (leverage) ratio | 15.6609% | 510 |
| Tier 1 risk-based capital ratio | 21.0306% | 1,401 |
| Total risk-based capital ratio | 21.4488% | 1,530 |
| Memoranda: | ||
| Average total assets | $38,278,600 | 6,074 |
| Average earning assets | $35,825,000 | 6,042 |
| Average equity | $6,131,000 | 5,589 |
| Average total loans | $27,376,400 | 5,678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,583 |
| Cost of funding earning assets | 0.2539% | 5,371 |
| Net interest margin | 3.7898% | 2,657 |
| Noninterest income to average assets | 0.0593% | 6,363 |
| Noninterest expense to average assets | 2.0339% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5385% | 865 |
| Return on assets (ROA) | 1.5385% | 897 |
| Pretax return on assets | 1.6188% | 1,267 |
| Return on Equity (ROE) | 9.6317% | 2,391 |
| Retained earnings to average equity (ytd only) | 3.0796% | 4,426 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6829% | 5,685 |
| Assets per employee ($millions) | 5.5171% | 1,712 |
| Cash dividends to net income (ytd only)* | 68.0267% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4315% | 6,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.0808% | 1,514 |
| Net loans and leases to deposits | 88.4636% | 1,616 |
| Net loans and leases to core deposits | 90.9669% | 2,122 |
| Total domestic deposits to total assets | 83.7416% | 3,858 |
| Equity capital to assets | 15.9995% | 568 |
| Core capital (leverage) ratio | 16.0473% | 468 |
| Tier 1 risk-based capital ratio | 20.4386% | 1,568 |
| Total risk-based capital ratio | 20.8488% | 1,732 |
| Memoranda: | ||
| Average total assets | $38,218,250 | 6,151 |
| Average earning assets | $36,236,750 | 6,104 |
| Average equity | $6,104,750 | 5,654 |
| Average total loans | $27,213,750 | 5,742 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,821 |
| Cost of funding earning assets | 0.2587% | 5,397 |
| Net interest margin | 3.7205% | 2,877 |
| Noninterest income to average assets | 0.0735% | 6,367 |
| Noninterest expense to average assets | 1.9693% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5702% | 759 |
| Return on assets (ROA) | 1.5702% | 790 |
| Pretax return on assets | 1.6542% | 1,129 |
| Return on Equity (ROE) | 9.8355% | 2,230 |
| Retained earnings to average equity (ytd only) | 3.2566% | 4,130 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 5,881 |
| Assets per employee ($millions) | 5.4809% | 1,709 |
| Cash dividends to net income (ytd only)* | 66.8896% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 6,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 72.4339% | 1,662 |
| Net loans and leases to deposits | 86.4198% | 1,779 |
| Net loans and leases to core deposits | 90.4122% | 2,090 |
| Total domestic deposits to total assets | 83.8164% | 3,988 |
| Equity capital to assets | 15.9959% | 555 |
| Core capital (leverage) ratio | 15.4258% | 545 |
| Tier 1 risk-based capital ratio | 20.8564% | 1,474 |
| Total risk-based capital ratio | 21.2778% | 1,649 |
| Memoranda: | ||
| Average total assets | $38,084,330 | 6,214 |
| Average earning assets | $36,339,670 | 6,161 |
| Average equity | $6,080,000 | 5,696 |
| Average total loans | $26,707,000 | 5,814 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,342 |
| Cost of funding earning assets | 0.2607% | 5,477 |
| Net interest margin | 3.5740% | 3,370 |
| Noninterest income to average assets | 0.1160% | 6,273 |
| Noninterest expense to average assets | 2.1084% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3388% | 1,125 |
| Return on assets (ROA) | 1.3388% | 1,167 |
| Pretax return on assets | 1.4759% | 1,507 |
| Return on Equity (ROE) | 8.3946% | 2,737 |
| Retained earnings to average equity (ytd only) | 1.7847% | 4,890 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 5,564 |
| Assets per employee ($millions) | 5.5181% | 1,692 |
| Cash dividends to net income (ytd only)* | 78.7402% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 6,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 68.4806% | 2,149 |
| Net loans and leases to deposits | 81.3682% | 2,117 |
| Net loans and leases to core deposits | 83.6586% | 2,554 |
| Total domestic deposits to total assets | 84.1613% | 4,221 |
| Equity capital to assets | 15.7015% | 565 |
| Core capital (leverage) ratio | 16.1363% | 464 |
| Tier 1 risk-based capital ratio | 21.0466% | 1,465 |
| Total risk-based capital ratio | 21.4769% | 1,628 |
| Memoranda: | ||
| Average total assets | $37,943,500 | 6,284 |
| Average earning assets | $36,821,500 | 6,212 |
| Average equity | $6,051,500 | 5,733 |
| Average total loans | $26,103,500 | 5,891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 5,175 |
| Cost of funding earning assets | 0.2967% | 5,625 |
| Net interest margin | 3.3892% | 4,321 |
| Noninterest income to average assets | 0.0438% | 6,567 |
| Noninterest expense to average assets | 1.9036% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2845% | 1,293 |
| Return on assets (ROA) | 1.2845% | 1,346 |
| Pretax return on assets | 1.3516% | 1,962 |
| Return on Equity (ROE) | 8.3300% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.6392% | 5,052 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4786% | 5,678 |
| Assets per employee ($millions) | 5.3229% | 1,823 |
| Cash dividends to net income (ytd only)* | 80.3213% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4838% | 6,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.4568% | 2,271 |
| Net loans and leases to deposits | 81.7637% | 2,210 |
| Net loans and leases to core deposits | 85.6371% | 2,492 |
| Total domestic deposits to total assets | 83.7252% | 4,274 |
| Equity capital to assets | 16.2050% | 499 |
| Core capital (leverage) ratio | 15.2590% | 577 |
| Tier 1 risk-based capital ratio | 20.7891% | 1,465 |
| Total risk-based capital ratio | 21.2161% | 1,631 |
| Memoranda: | ||
| Average total assets | $38,769,600 | 6,321 |
| Average earning assets | $36,733,800 | 6,263 |
| Average equity | $5,978,400 | 5,828 |
| Average total loans | $23,960,400 | 6,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 5,339 |
| Cost of funding earning assets | 0.3063% | 5,678 |
| Net interest margin | 3.3296% | 4,535 |
| Noninterest income to average assets | 0.0511% | 6,631 |
| Noninterest expense to average assets | 1.9175% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2261% | 1,547 |
| Return on assets (ROA) | 1.2261% | 1,620 |
| Pretax return on assets | 1.2806% | 2,409 |
| Return on Equity (ROE) | 8.0488% | 3,100 |
| Retained earnings to average equity (ytd only) | 1.3415% | 5,446 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9574% | 5,439 |
| Assets per employee ($millions) | 5.5980% | 1,537 |
| Cash dividends to net income (ytd only)* | 83.3330% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 6,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.9532% | 3,371 |
| Net loans and leases to deposits | 73.3644% | 3,340 |
| Net loans and leases to core deposits | 75.3827% | 3,689 |
| Total domestic deposits to total assets | 84.4460% | 4,006 |
| Equity capital to assets | 15.3116% | 655 |
| Core capital (leverage) ratio | 15.9800% | 490 |
| Tier 1 risk-based capital ratio | 21.2352% | 1,450 |
| Total risk-based capital ratio | 21.6740% | 1,593 |
| Memoranda: | ||
| Average total assets | $39,147,000 | 6,378 |
| Average earning assets | $37,000,250 | 6,326 |
| Average equity | $5,963,500 | 5,905 |
| Average total loans | $23,542,750 | 6,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 5,597 |
| Cost of funding earning assets | 0.3140% | 5,725 |
| Net interest margin | 3.2303% | 4,836 |
| Noninterest income to average assets | 0.0664% | 6,618 |
| Noninterest expense to average assets | 1.8756% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2112% | 1,567 |
| Return on assets (ROA) | 1.2112% | 1,670 |
| Pretax return on assets | 1.2930% | 2,325 |
| Return on Equity (ROE) | 7.9646% | 3,117 |
| Retained earnings to average equity (ytd only) | 1.2434% | 5,399 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1935% | 5,584 |
| Assets per employee ($millions) | 5.3603% | 1,735 |
| Cash dividends to net income (ytd only)* | 84.3882% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5085% | 6,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 64.6634% | 2,815 |
| Net loans and leases to deposits | 77.1037% | 2,709 |
| Net loans and leases to core deposits | 77.1037% | 3,415 |
| Total domestic deposits to total assets | 83.8655% | 4,374 |
| Equity capital to assets | 15.9293% | 534 |
| Core capital (leverage) ratio | 15.2152% | 579 |
| Tier 1 risk-based capital ratio | 20.7333% | 1,563 |
| Total risk-based capital ratio | 21.1635% | 1,711 |
| Memoranda: | ||
| Average total assets | $39,134,000 | 6,430 |
| Average earning assets | $37,581,670 | 6,355 |
| Average equity | $5,951,330 | 5,949 |
| Average total loans | $23,256,670 | 6,165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 5,869 |
| Cost of funding earning assets | 0.3150% | 5,846 |
| Net interest margin | 3.1184% | 5,198 |
| Noninterest income to average assets | 0.1102% | 6,538 |
| Noninterest expense to average assets | 2.0130% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9715% | 2,347 |
| Return on assets (ROA) | 0.9715% | 2,477 |
| Pretax return on assets | 1.0716% | 3,069 |
| Return on Equity (ROE) | 6.5336% | 3,749 |
| Retained earnings to average equity (ytd only) | -0.2021% | 5,817 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2597% | 4,785 |
| Assets per employee ($millions) | 5.7197% | 1,468 |
| Cash dividends to net income (ytd only)* | 103.0928% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 6,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 57.3580% | 3,863 |
| Net loans and leases to deposits | 67.4687% | 3,841 |
| Net loans and leases to core deposits | 70.8971% | 3,963 |
| Total domestic deposits to total assets | 85.0142% | 4,029 |
| Equity capital to assets | 14.8284% | 802 |
| Core capital (leverage) ratio | 15.1710% | 566 |
| Tier 1 risk-based capital ratio | 22.4088% | 1,258 |
| Total risk-based capital ratio | 22.8769% | 1,377 |
| Memoranda: | ||
| Average total assets | $39,940,000 | 6,460 |
| Average earning assets | $38,097,000 | 6,401 |
| Average equity | $5,938,500 | 6,003 |
| Average total loans | $22,691,500 | 6,242 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 5,369 |
| Cost of funding earning assets | 0.4371% | 5,670 |
| Net interest margin | 3.5456% | 4,315 |
| Noninterest income to average assets | 0.0134% | 6,789 |
| Noninterest expense to average assets | 2.0455% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2176% | 1,543 |
| Return on assets (ROA) | 1.2176% | 1,709 |
| Pretax return on assets | 1.2821% | 2,482 |
| Return on Equity (ROE) | 7.6699% | 3,250 |
| Retained earnings to average equity (ytd only) | 0.8974% | 5,423 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4701% | 5,318 |
| Assets per employee ($millions) | 5.6917% | 1,524 |
| Cash dividends to net income (ytd only)* | 88.3002% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 6,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 55.6448% | 4,355 |
| Net loans and leases to deposits | 65.4562% | 4,365 |
| Net loans and leases to core deposits | 68.8210% | 4,451 |
| Total domestic deposits to total assets | 85.0108% | 3,861 |
| Equity capital to assets | 14.9089% | 766 |
| Core capital (leverage) ratio | 15.2039% | 545 |
| Tier 1 risk-based capital ratio | 19.1588% | 1,915 |
| Total risk-based capital ratio | 19.5588% | 2,127 |
| Memoranda: | ||
| Average total assets | $37,203,400 | 6,577 |
| Average earning assets | $34,775,400 | 6,537 |
| Average equity | $5,906,200 | 6,045 |
| Average total loans | $23,229,800 | 6,280 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 5,284 |
| Cost of funding earning assets | 0.4730% | 5,612 |
| Net interest margin | 3.6002% | 4,237 |
| Noninterest income to average assets | 0.0584% | 6,775 |
| Noninterest expense to average assets | 2.1161% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2405% | 1,603 |
| Return on assets (ROA) | 1.2405% | 1,772 |
| Pretax return on assets | 1.3025% | 2,602 |
| Return on Equity (ROE) | 7.6863% | 3,429 |
| Retained earnings to average equity (ytd only) | 0.9042% | 5,807 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8997% | 5,161 |
| Assets per employee ($millions) | 5.4604% | 1,673 |
| Cash dividends to net income (ytd only)* | 88.2357% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 6,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 5,546 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.5193% | 3,114 |
| Net loans and leases to deposits | 75.4240% | 3,075 |
| Net loans and leases to core deposits | 78.4865% | 3,398 |
| Total domestic deposits to total assets | 84.2163% | 4,123 |
| Equity capital to assets | 15.5064% | 702 |
| Core capital (leverage) ratio | 16.1640% | 460 |
| Tier 1 risk-based capital ratio | 21.0349% | 1,518 |
| Total risk-based capital ratio | 21.4750% | 1,671 |
| Memoranda: | ||
| Average total assets | $36,543,750 | 6,677 |
| Average earning assets | $34,108,750 | 6,636 |
| Average equity | $5,897,750 | 6,116 |
| Average total loans | $23,463,750 | 6,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 5,537 |
| Cost of funding earning assets | 0.4567% | 5,927 |
| Net interest margin | 3.5774% | 4,358 |
| Noninterest income to average assets | 0.0723% | 6,787 |
| Noninterest expense to average assets | 2.1454% | 6,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2672% | 1,522 |
| Return on assets (ROA) | 1.2672% | 1,689 |
| Pretax return on assets | 1.3228% | 2,467 |
| Return on Equity (ROE) | 7.7446% | 3,376 |
| Retained earnings to average equity (ytd only) | 0.9511% | 5,691 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8590% | 5,273 |
| Assets per employee ($millions) | 5.1447% | 1,978 |
| Cash dividends to net income (ytd only)* | 87.7193% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5211% | 7,005 |
| Loan loss allowance to noncurrent loans | 288.3721% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,285 |
| Noncurrent loans to loans | 0.1807% | 6,220 |
| Net loans and leases to total assets | 65.7346% | 2,724 |
| Net loans and leases to deposits | 78.8837% | 2,539 |
| Net loans and leases to core deposits | 81.9617% | 2,965 |
| Total domestic deposits to total assets | 83.3310% | 4,612 |
| Equity capital to assets | 16.4246% | 521 |
| Core capital (leverage) ratio | 15.9718% | 463 |
| Tier 1 risk-based capital ratio | 21.4102% | 1,405 |
| Total risk-based capital ratio | 21.8591% | 1,536 |
| Memoranda: | ||
| Average total assets | $35,984,000 | 6,737 |
| Average earning assets | $34,159,000 | 6,685 |
| Average equity | $5,888,000 | 6,149 |
| Average total loans | $23,150,670 | 6,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 5,965 |
| Cost of funding earning assets | 0.5021% | 5,806 |
| Net interest margin | 3.4211% | 5,023 |
| Noninterest income to average assets | 0.1112% | 6,690 |
| Noninterest expense to average assets | 2.4354% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8340% | 3,222 |
| Return on assets (ROA) | 0.8340% | 3,460 |
| Pretax return on assets | 0.9341% | 3,916 |
| Return on Equity (ROE) | 5.1068% | 4,736 |
| Retained earnings to average equity (ytd only) | -1.7023% | 6,241 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2772% | 3,382 |
| Assets per employee ($millions) | 5.2559% | 1,924 |
| Cash dividends to net income (ytd only)* | 133.3333% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 7,028 |
| Loan loss allowance to noncurrent loans | 57.6744% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,428 |
| Noncurrent loans to loans | 0.9548% | 4,763 |
| Net loans and leases to total assets | 60.8654% | 3,475 |
| Net loans and leases to deposits | 72.5726% | 3,347 |
| Net loans and leases to core deposits | 74.0118% | 3,901 |
| Total domestic deposits to total assets | 83.8683% | 4,562 |
| Equity capital to assets | 15.9332% | 586 |
| Core capital (leverage) ratio | 15.8849% | 480 |
| Tier 1 risk-based capital ratio | 19.6751% | 1,787 |
| Total risk-based capital ratio | 20.0913% | 2,001 |
| Memoranda: | ||
| Average total assets | $35,969,500 | 6,793 |
| Average earning assets | $34,257,500 | 6,732 |
| Average equity | $5,874,500 | 6,180 |
| Average total loans | $22,827,500 | 6,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 4,920 |
| Cost of funding earning assets | 0.6778% | 5,670 |
| Net interest margin | 3.8611% | 3,512 |
| Noninterest income to average assets | 0.0520% | 6,826 |
| Noninterest expense to average assets | 2.0965% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5132% | 800 |
| Return on assets (ROA) | 1.5132% | 868 |
| Pretax return on assets | 1.5912% | 1,225 |
| Return on Equity (ROE) | 8.9905% | 2,452 |
| Retained earnings to average equity (ytd only) | 2.1275% | 4,702 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8520% | 6,207 |
| Assets per employee ($millions) | 5.0211% | 2,174 |
| Cash dividends to net income (ytd only)* | 76.3359% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5359% | 7,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.4774% | 2,884 |
| Net loans and leases to deposits | 78.7692% | 2,716 |
| Net loans and leases to core deposits | 82.6682% | 3,079 |
| Total domestic deposits to total assets | 83.1256% | 4,697 |
| Equity capital to assets | 16.7492% | 484 |
| Core capital (leverage) ratio | 16.2615% | 436 |
| Tier 1 risk-based capital ratio | 20.6663% | 1,487 |
| Total risk-based capital ratio | 21.1016% | 1,643 |
| Memoranda: | ||
| Average total assets | $34,628,400 | 6,839 |
| Average earning assets | $32,607,000 | 6,791 |
| Average equity | $5,828,400 | 6,197 |
| Average total loans | $23,755,600 | 6,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 4,701 |
| Cost of funding earning assets | 0.6989% | 5,771 |
| Net interest margin | 3.9425% | 3,181 |
| Noninterest income to average assets | 0.0618% | 6,910 |
| Noninterest expense to average assets | 2.1179% | 6,472 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5653% | 826 |
| Return on assets (ROA) | 1.5653% | 899 |
| Pretax return on assets | 1.6503% | 1,255 |
| Return on Equity (ROE) | 9.2882% | 2,468 |
| Retained earnings to average equity (ytd only) | 2.4081% | 4,917 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2051% | 6,251 |
| Assets per employee ($millions) | 5.1880% | 1,943 |
| Cash dividends to net income (ytd only)* | 74.0736% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5223% | 7,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.0374% | 3,097 |
| Net loans and leases to deposits | 77.9505% | 3,009 |
| Net loans and leases to core deposits | 80.2603% | 3,598 |
| Total domestic deposits to total assets | 83.4343% | 4,509 |
| Equity capital to assets | 16.1582% | 602 |
| Core capital (leverage) ratio | 16.5576% | 438 |
| Tier 1 risk-based capital ratio | 21.0647% | 1,440 |
| Total risk-based capital ratio | 21.5099% | 1,593 |
| Memoranda: | ||
| Average total assets | $34,498,500 | 6,907 |
| Average earning assets | $32,432,000 | 6,854 |
| Average equity | $5,813,750 | 6,249 |
| Average total loans | $23,910,000 | 6,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 4,595 |
| Cost of funding earning assets | 0.6995% | 5,964 |
| Net interest margin | 3.9864% | 2,905 |
| Noninterest income to average assets | 0.0826% | 6,912 |
| Noninterest expense to average assets | 2.1657% | 6,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6346% | 687 |
| Return on assets (ROA) | 1.6346% | 730 |
| Pretax return on assets | 1.7172% | 1,018 |
| Return on Equity (ROE) | 9.5589% | 2,290 |
| Retained earnings to average equity (ytd only) | 2.6572% | 4,602 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7751% | 6,442 |
| Assets per employee ($millions) | 4.8253% | 2,374 |
| Cash dividends to net income (ytd only)* | 72.2022% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 7,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 69.9588% | 2,229 |
| Net loans and leases to deposits | 84.9053% | 1,960 |
| Net loans and leases to core deposits | 89.8992% | 2,381 |
| Total domestic deposits to total assets | 82.3963% | 5,023 |
| Equity capital to assets | 17.2899% | 455 |
| Core capital (leverage) ratio | 17.0516% | 399 |
| Tier 1 risk-based capital ratio | 21.6200% | 1,308 |
| Total risk-based capital ratio | 22.0791% | 1,428 |
| Memoranda: | ||
| Average total assets | $33,892,670 | 6,991 |
| Average earning assets | $32,309,670 | 6,925 |
| Average equity | $5,795,670 | 6,294 |
| Average total loans | $23,965,670 | 6,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 4,978 |
| Cost of funding earning assets | 0.6952% | 6,163 |
| Net interest margin | 3.8983% | 3,144 |
| Noninterest income to average assets | 0.1296% | 6,768 |
| Noninterest expense to average assets | 2.3446% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4256% | 1,023 |
| Return on assets (ROA) | 1.4256% | 1,056 |
| Pretax return on assets | 1.4845% | 1,490 |
| Return on Equity (ROE) | 8.3831% | 2,745 |
| Retained earnings to average equity (ytd only) | 1.4549% | 5,234 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2308% | 5,802 |
| Assets per employee ($millions) | 4.8499% | 2,350 |
| Cash dividends to net income (ytd only)* | 82.6446% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 7,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.5028% | 2,032 |
| Net loans and leases to deposits | 85.2295% | 1,845 |
| Net loans and leases to core deposits | 89.1766% | 2,460 |
| Total domestic deposits to total assets | 82.7211% | 5,022 |
| Equity capital to assets | 17.0373% | 439 |
| Core capital (leverage) ratio | 16.7720% | 412 |
| Tier 1 risk-based capital ratio | 22.5735% | 1,132 |
| Total risk-based capital ratio | 23.0574% | 1,231 |
| Memoranda: | ||
| Average total assets | $33,950,500 | 7,039 |
| Average earning assets | $32,219,500 | 6,980 |
| Average equity | $5,773,500 | 6,315 |
| Average total loans | $24,071,500 | 6,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 5,809 |
| Cost of funding earning assets | 0.8016% | 6,565 |
| Net interest margin | 3.8962% | 3,506 |
| Noninterest income to average assets | -0.1875% | 7,464 |
| Noninterest expense to average assets | 2.0917% | 6,867 |
| Loan and lease loss provision to assets | 0.2366% | 4,917 |
| Net operating income to assets | 1.1367% | 1,589 |
| Return on assets (ROA) | 1.1367% | 1,667 |
| Pretax return on assets | 1.2002% | 2,225 |
| Return on Equity (ROE) | 6.8346% | 3,191 |
| Retained earnings to average equity (ytd only) | -0.1041% | 5,620 |
| Net charge-offs to loans | 0.3540% | 4,251 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 6.0732% | 2,450 |
| Efficiency ratio | 59.2805% | 6,151 |
| Assets per employee ($millions) | 4.8503% | 2,343 |
| Cash dividends to net income (ytd only)* | 101.5228% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5149% | 7,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 70.5702% | 2,400 |
| Net loans and leases to deposits | 85.1729% | 2,243 |
| Net loans and leases to core deposits | 88.6980% | 2,948 |
| Total domestic deposits to total assets | 82.8552% | 4,860 |
| Equity capital to assets | 16.9740% | 464 |
| Core capital (leverage) ratio | 16.4216% | 456 |
| Tier 1 risk-based capital ratio | 21.8801% | 1,195 |
| Total risk-based capital ratio | 22.3509% | 1,279 |
| Memoranda: | ||
| Average total assets | $34,661,000 | 7,052 |
| Average earning assets | $33,058,000 | 6,981 |
| Average equity | $5,764,800 | 6,444 |
| Average total loans | $23,162,000 | 6,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 5,940 |
| Cost of funding earning assets | 0.8273% | 6,667 |
| Net interest margin | 3.8953% | 3,550 |
| Noninterest income to average assets | -0.2641% | 7,621 |
| Noninterest expense to average assets | 2.1164% | 6,814 |
| Loan and lease loss provision to assets | 0.3138% | 4,069 |
| Net operating income to assets | 0.9491% | 2,418 |
| Return on assets (ROA) | 0.9491% | 2,549 |
| Pretax return on assets | 1.0180% | 3,119 |
| Return on Equity (ROE) | 5.7354% | 3,934 |
| Retained earnings to average equity (ytd only) | -1.2025% | 6,049 |
| Net charge-offs to loans | 0.4768% | 3,368 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 4.2439% | 3,139 |
| Efficiency ratio | 61.3762% | 5,724 |
| Assets per employee ($millions) | 4.7096% | 2,581 |
| Cash dividends to net income (ytd only)* | 120.9672% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 7,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.1459% | 2,702 |
| Net loans and leases to deposits | 85.2755% | 2,470 |
| Net loans and leases to core deposits | 85.2755% | 3,759 |
| Total domestic deposits to total assets | 82.2580% | 4,887 |
| Equity capital to assets | 17.3416% | 484 |
| Core capital (leverage) ratio | 16.7979% | 450 |
| Tier 1 risk-based capital ratio | 23.2285% | 1,033 |
| Total risk-based capital ratio | 23.7323% | 1,105 |
| Memoranda: | ||
| Average total assets | $34,838,250 | 7,137 |
| Average earning assets | $33,201,250 | 7,057 |
| Average equity | $5,765,250 | 6,523 |
| Average total loans | $22,931,500 | 6,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 6,371 |
| Cost of funding earning assets | 0.8656% | 6,710 |
| Net interest margin | 3.7649% | 4,070 |
| Noninterest income to average assets | 0.0846% | 7,158 |
| Noninterest expense to average assets | 2.0021% | 7,107 |
| Loan and lease loss provision to assets | 0.4625% | 3,005 |
| Net operating income to assets | 1.1336% | 1,744 |
| Return on assets (ROA) | 1.1336% | 1,809 |
| Pretax return on assets | 1.2013% | 2,410 |
| Return on Equity (ROE) | 6.9534% | 3,321 |
| Retained earnings to average equity (ytd only) | 0.0346% | 5,721 |
| Net charge-offs to loans | 0.7185% | 2,423 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 3.5976% | 3,251 |
| Efficiency ratio | 54.6154% | 6,806 |
| Assets per employee ($millions) | 4.8684% | 2,345 |
| Cash dividends to net income (ytd only)* | 99.5025% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5312% | 7,479 |
| Loan loss allowance to noncurrent loans | 213.7931% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 5,346 |
| Noncurrent loans to loans | 0.2485% | 6,733 |
| Net loans and leases to total assets | 68.1358% | 3,333 |
| Net loans and leases to deposits | 82.3317% | 3,214 |
| Net loans and leases to core deposits | 83.8176% | 4,155 |
| Total domestic deposits to total assets | 82.7577% | 4,663 |
| Equity capital to assets | 16.9312% | 536 |
| Core capital (leverage) ratio | 16.1910% | 542 |
| Tier 1 risk-based capital ratio | 22.3713% | 1,146 |
| Total risk-based capital ratio | 22.8520% | 1,236 |
| Memoranda: | ||
| Average total assets | $35,462,000 | 7,159 |
| Average earning assets | $33,732,330 | 7,087 |
| Average equity | $5,781,330 | 6,539 |
| Average total loans | $22,825,670 | 6,917 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 6,698 |
| Cost of funding earning assets | 0.8757% | 6,855 |
| Net interest margin | 3.6662% | 4,405 |
| Noninterest income to average assets | 0.1328% | 7,024 |
| Noninterest expense to average assets | 2.0358% | 7,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5047% | 884 |
| Return on assets (ROA) | 1.5047% | 952 |
| Pretax return on assets | 1.5711% | 1,338 |
| Return on Equity (ROE) | 9.4004% | 2,339 |
| Retained earnings to average equity (ytd only) | 2.4883% | 4,644 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4417% | 6,707 |
| Assets per employee ($millions) | 4.9863% | 2,250 |
| Cash dividends to net income (ytd only)* | 73.5294% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 7,560 |
| Loan loss allowance to noncurrent loans | 32.2078% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 4,946 |
| Noncurrent loans to loans | 1.6776% | 4,231 |
| Net loans and leases to total assets | 65.3937% | 4,023 |
| Net loans and leases to deposits | 78.7205% | 3,901 |
| Net loans and leases to core deposits | 79.6823% | 4,801 |
| Total domestic deposits to total assets | 83.0707% | 4,587 |
| Equity capital to assets | 16.6313% | 577 |
| Core capital (leverage) ratio | 16.6194% | 490 |
| Tier 1 risk-based capital ratio | 22.8310% | 1,100 |
| Total risk-based capital ratio | 23.3187% | 1,176 |
| Memoranda: | ||
| Average total assets | $36,153,500 | 7,227 |
| Average earning assets | $34,258,500 | 7,153 |
| Average equity | $5,787,000 | 6,590 |
| Average total loans | $22,566,500 | 7,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 6,578 |
| Cost of funding earning assets | 1.0910% | 7,003 |
| Net interest margin | 3.8612% | 3,434 |
| Noninterest income to average assets | 0.0585% | 7,465 |
| Noninterest expense to average assets | 2.0781% | 7,233 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5987% | 551 |
| Return on assets (ROA) | 1.5987% | 586 |
| Pretax return on assets | 1.6835% | 812 |
| Return on Equity (ROE) | 9.5787% | 1,826 |
| Retained earnings to average equity (ytd only) | 2.5742% | 3,343 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2448% | 7,102 |
| Assets per employee ($millions) | 5.3433% | 1,794 |
| Cash dividends to net income (ytd only)* | 73.1261% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 7,609 |
| Loan loss allowance to noncurrent loans | 37.5758% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 5,336 |
| Noncurrent loans to loans | 1.4876% | 4,439 |
| Net loans and leases to total assets | 58.9792% | 5,491 |
| Net loans and leases to deposits | 69.9185% | 5,616 |
| Net loans and leases to core deposits | 77.9340% | 6,261 |
| Total domestic deposits to total assets | 84.3542% | 3,862 |
| Equity capital to assets | 15.4239% | 811 |
| Core capital (leverage) ratio | 16.3739% | 562 |
| Tier 1 risk-based capital ratio | 21.0586% | 1,278 |
| Total risk-based capital ratio | 21.5112% | 1,377 |
| Memoranda: | ||
| Average total assets | $34,214,600 | 7,317 |
| Average earning assets | $32,813,600 | 7,236 |
| Average equity | $5,710,600 | 6,709 |
| Average total loans | $22,094,000 | 7,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 6,171 |
| Cost of funding earning assets | 1.1561% | 7,022 |
| Net interest margin | 3.9733% | 2,927 |
| Noninterest income to average assets | 0.0678% | 7,571 |
| Noninterest expense to average assets | 2.0667% | 7,250 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6877% | 574 |
| Return on assets (ROA) | 1.6877% | 609 |
| Pretax return on assets | 1.7994% | 802 |
| Return on Equity (ROE) | 9.9015% | 1,953 |
| Retained earnings to average equity (ytd only) | 2.8792% | 3,718 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4572% | 7,293 |
| Assets per employee ($millions) | 4.9489% | 2,209 |
| Cash dividends to net income (ytd only)* | 70.9215% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 7,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.5418% | 4,523 |
| Net loans and leases to deposits | 79.0179% | 4,558 |
| Net loans and leases to core deposits | 88.0039% | 5,639 |
| Total domestic deposits to total assets | 82.9456% | 4,253 |
| Equity capital to assets | 16.5839% | 696 |
| Core capital (leverage) ratio | 16.7889% | 583 |
| Tier 1 risk-based capital ratio | 23.0482% | 1,104 |
| Total risk-based capital ratio | 23.5457% | 1,172 |
| Memoranda: | ||
| Average total assets | $33,417,500 | 7,409 |
| Average earning assets | $31,945,750 | 7,331 |
| Average equity | $5,696,000 | 6,779 |
| Average total loans | $22,071,500 | 7,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 6,030 |
| Cost of funding earning assets | 1.1888% | 7,139 |
| Net interest margin | 4.0255% | 2,599 |
| Noninterest income to average assets | 0.0848% | 7,553 |
| Noninterest expense to average assets | 1.9328% | 7,581 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9328% | 348 |
| Return on assets (ROA) | 1.9328% | 378 |
| Pretax return on assets | 2.0297% | 521 |
| Return on Equity (ROE) | 11.2330% | 1,635 |
| Retained earnings to average equity (ytd only) | 4.1904% | 2,968 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7768% | 7,726 |
| Assets per employee ($millions) | 5.6353% | 1,468 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5472% | 7,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.6479% | 4,428 |
| Net loans and leases to deposits | 80.6694% | 4,445 |
| Net loans and leases to core deposits | 90.2302% | 5,515 |
| Total domestic deposits to total assets | 82.6186% | 4,412 |
| Equity capital to assets | 16.9792% | 668 |
| Core capital (leverage) ratio | 16.9711% | 618 |
| Tier 1 risk-based capital ratio | 22.4170% | 1,197 |
| Total risk-based capital ratio | 22.9012% | 1,276 |
| Memoranda: | ||
| Average total assets | $33,009,330 | 7,487 |
| Average earning assets | $31,797,330 | 7,411 |
| Average equity | $5,679,670 | 6,841 |
| Average total loans | $21,819,000 | 7,224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 6,117 |
| Cost of funding earning assets | 1.2390% | 7,210 |
| Net interest margin | 4.0107% | 2,601 |
| Noninterest income to average assets | 0.1472% | 7,244 |
| Noninterest expense to average assets | 1.9995% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8891% | 444 |
| Return on assets (ROA) | 1.8891% | 492 |
| Pretax return on assets | 1.9995% | 668 |
| Return on Equity (ROE) | 10.9046% | 1,998 |
| Retained earnings to average equity (ytd only) | 3.8237% | 3,763 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 5.3918% | 1,655 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 7,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.4631% | 3,806 |
| Net loans and leases to deposits | 84.6371% | 3,874 |
| Net loans and leases to core deposits | 92.7790% | 5,281 |
| Total domestic deposits to total assets | 82.0717% | 4,518 |
| Equity capital to assets | 17.5451% | 661 |
| Core capital (leverage) ratio | 17.6022% | 596 |
| Tier 1 risk-based capital ratio | 23.5411% | 1,133 |
| Total risk-based capital ratio | 24.0554% | 1,189 |
| Memoranda: | ||
| Average total assets | $32,608,000 | 7,544 |
| Average earning assets | $31,316,500 | 7,460 |
| Average equity | $5,649,000 | 6,900 |
| Average total loans | $21,399,000 | 7,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 6,991 |
| Cost of funding earning assets | 1.7556% | 7,123 |
| Net interest margin | 3.8737% | 3,686 |
| Noninterest income to average assets | 0.0722% | 7,782 |
| Noninterest expense to average assets | 2.2172% | 6,923 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4384% | 1,149 |
| Return on assets (ROA) | 1.4384% | 1,104 |
| Pretax return on assets | 1.5137% | 1,642 |
| Return on Equity (ROE) | 8.1745% | 2,993 |
| Retained earnings to average equity (ytd only) | 1.0352% | 4,605 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4276% | 6,452 |
| Assets per employee ($millions) | 5.4775% | 1,472 |
| Cash dividends to net income (ytd only)* | 87.3362% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 7,654 |
| Loan loss allowance to noncurrent loans | 496.0000% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 7,267 |
| Noncurrent loans to loans | 0.1238% | 7,042 |
| Net loans and leases to total assets | 61.0923% | 5,756 |
| Net loans and leases to deposits | 73.9630% | 5,850 |
| Net loans and leases to core deposits | 80.3666% | 6,589 |
| Total domestic deposits to total assets | 82.5985% | 3,950 |
| Equity capital to assets | 17.1063% | 766 |
| Core capital (leverage) ratio | 16.9685% | 701 |
| Tier 1 risk-based capital ratio | 22.0921% | 1,305 |
| Total risk-based capital ratio | 22.5794% | 1,379 |
| Memoranda: | ||
| Average total assets | $31,841,600 | 7,572 |
| Average earning assets | $30,074,400 | 7,508 |
| Average equity | $5,602,800 | 6,948 |
| Average total loans | $20,392,600 | 7,308 |