Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,855 |
| Cost of funding earning assets | 1.2862% | 2,564 |
| Net interest margin | 2.7822% | 3,696 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.6143% | 4,235 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 1.0962% | 1,936 |
| Return on assets (ROA) | 1.1367% | 1,794 |
| Pretax return on assets | 1.1950% | 2,151 |
| Return on Equity (ROE) | 14.8200% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.6522% | 1,350 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.4657% | 3,143 |
| Assets per employee ($millions) | 12.6600% | 355 |
| Cash dividends to net income (ytd only)* | 41.6089% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,265 |
| 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 | 49.6600% | 3,618 |
| Net loans and leases to deposits | 55.5573% | 3,732 |
| Net loans and leases to core deposits | 66.4033% | 3,480 |
| Total domestic deposits to total assets | 89.3900% | 948 |
| Equity capital to assets | 8.9305% | 2,718 |
| Core capital (leverage) ratio | 11.6250% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $63,431,600 | 4,177 |
| Average earning assets | $60,563,800 | 4,129 |
| Average equity | $4,865,800 | 4,272 |
| Average total loans | $30,096,400 | 4,134 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 3,926 |
| Cost of funding earning assets | 1.1455% | 2,602 |
| Net interest margin | 2.8033% | 3,721 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.5378% | 4,284 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.1736% | 1,870 |
| Return on assets (ROA) | 1.2059% | 1,771 |
| Pretax return on assets | 1.2584% | 2,152 |
| Return on Equity (ROE) | 16.3900% | 1,187 |
| Retained earnings to average equity (ytd only) | 7.8245% | 2,030 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.3510% | 3,374 |
| Assets per employee ($millions) | 12.7366% | 318 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,383 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.5400% | 3,652 |
| Net loans and leases to deposits | 57.6043% | 3,626 |
| Net loans and leases to core deposits | 69.2591% | 3,245 |
| Total domestic deposits to total assets | 86.0100% | 2,190 |
| Equity capital to assets | 6.7428% | 3,734 |
| Core capital (leverage) ratio | 11.1953% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $63,464,500 | 4,193 |
| Average earning assets | $60,642,250 | 4,149 |
| Average equity | $4,669,000 | 4,301 |
| Average total loans | $29,681,500 | 4,160 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,073 |
| Cost of funding earning assets | 0.8843% | 2,977 |
| Net interest margin | 2.8730% | 3,694 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.4828% | 4,350 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.2949% | 1,584 |
| Return on assets (ROA) | 1.3283% | 1,482 |
| Pretax return on assets | 1.3882% | 1,845 |
| Return on Equity (ROE) | 17.5600% | 1,006 |
| Retained earnings to average equity (ytd only) | 5.0480% | 2,923 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.8684% | 3,708 |
| Assets per employee ($millions) | 12.6890% | 323 |
| Cash dividends to net income (ytd only)* | 71.2589% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,185 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 47.8100% | 3,699 |
| Net loans and leases to deposits | 58.4319% | 3,519 |
| Net loans and leases to core deposits | 63.3699% | 3,483 |
| Total domestic deposits to total assets | 81.8200% | 3,267 |
| Equity capital to assets | 7.6523% | 3,432 |
| Core capital (leverage) ratio | 11.0593% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $63,391,667 | 4,215 |
| Average earning assets | $60,841,333 | 4,167 |
| Average equity | $4,794,000 | 4,311 |
| Average total loans | $28,952,333 | 4,180 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 4,143 |
| Cost of funding earning assets | 0.5866% | 3,418 |
| Net interest margin | 3.0252% | 3,539 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.5024% | 4,387 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.4719% | 1,236 |
| Return on assets (ROA) | 1.4961% | 1,172 |
| Pretax return on assets | 1.5529% | 1,572 |
| Return on Equity (ROE) | 19.9000% | 781 |
| Retained earnings to average equity (ytd only) | -5.2902% | 4,341 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.8547% | 3,862 |
| Assets per employee ($millions) | 12.5116% | 347 |
| Cash dividends to net income (ytd only)* | 126.5823% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,896 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.3000% | 3,894 |
| Net loans and leases to deposits | 49.0094% | 3,928 |
| Net loans and leases to core deposits | 52.3613% | 3,896 |
| Total domestic deposits to total assets | 88.3500% | 1,792 |
| Equity capital to assets | 7.8695% | 3,329 |
| Core capital (leverage) ratio | 10.7886% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $63,365,000 | 4,273 |
| Average earning assets | $60,690,500 | 4,225 |
| Average equity | $4,763,500 | 4,369 |
| Average total loans | $28,101,500 | 4,255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1697% | 3,506 |
| Cost of funding earning assets | 0.2701% | 2,483 |
| Net interest margin | 2.8996% | 3,502 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.6254% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1472% | 1,902 |
| Return on assets (ROA) | 1.0732% | 2,156 |
| Pretax return on assets | 1.1211% | 2,655 |
| Return on Equity (ROE) | 13.6200% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.6874% | 2,861 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.5646% | 3,437 |
| Assets per employee ($millions) | 8.8556% | 947 |
| Cash dividends to net income (ytd only)* | 58.2524% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,651 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.0900% | 3,812 |
| Net loans and leases to deposits | 52.3281% | 3,710 |
| Net loans and leases to core deposits | 55.9000% | 3,634 |
| Total domestic deposits to total assets | 86.1700% | 3,028 |
| Equity capital to assets | 6.1091% | 3,920 |
| Core capital (leverage) ratio | 10.6327% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $63,983,250 | 4,328 |
| Average earning assets | $61,202,250 | 4,275 |
| Average equity | $5,040,250 | 4,464 |
| Average total loans | $27,336,000 | 4,312 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 3,417 |
| Cost of funding earning assets | 0.2973% | 1,735 |
| Net interest margin | 2.7568% | 3,559 |
| Noninterest income to average assets | 0.0464% | 4,637 |
| Noninterest expense to average assets | 1.5592% | 4,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0824% | 1,848 |
| Return on assets (ROA) | 0.9993% | 2,130 |
| Pretax return on assets | 1.0395% | 2,609 |
| Return on Equity (ROE) | 11.8358% | 1,710 |
| Retained earnings to average equity (ytd only) | 0.8428% | 4,026 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0645% | 3,551 |
| Assets per employee ($millions) | 9.1690% | 833 |
| Cash dividends to net income (ytd only)* | 92.8793% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.4502% | 4,007 |
| Net loans and leases to deposits | 44.9035% | 4,074 |
| Net loans and leases to core deposits | 48.4599% | 4,008 |
| Total domestic deposits to total assets | 92.3095% | 723 |
| Equity capital to assets | 7.1296% | 3,699 |
| Core capital (leverage) ratio | 10.0948% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,648,000 | 4,360 |
| Average earning assets | $61,883,000 | 4,323 |
| Average equity | $5,458,000 | 4,473 |
| Average total loans | $27,020,333 | 4,371 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8976% | 3,543 |
| Cost of funding earning assets | 0.3105% | 1,549 |
| Net interest margin | 2.5871% | 3,691 |
| Noninterest income to average assets | 0.0555% | 4,648 |
| Noninterest expense to average assets | 1.6399% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8625% | 2,440 |
| Return on assets (ROA) | 0.8323% | 2,543 |
| Pretax return on assets | 0.8508% | 2,936 |
| Return on Equity (ROE) | 9.1541% | 2,266 |
| Retained earnings to average equity (ytd only) | -11.1883% | 4,583 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0367% | 2,902 |
| Assets per employee ($millions) | 8.3963% | 1,167 |
| Cash dividends to net income (ytd only)* | 222.2222% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,676 |
| 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 | 39.6248% | 4,039 |
| Net loans and leases to deposits | 43.1399% | 4,110 |
| Net loans and leases to core deposits | 46.4090% | 4,052 |
| Total domestic deposits to total assets | 91.8520% | 637 |
| Equity capital to assets | 7.6195% | 3,841 |
| Core capital (leverage) ratio | 9.5258% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,880,500 | 4,380 |
| Average earning assets | $61,844,500 | 4,349 |
| Average equity | $5,899,000 | 4,476 |
| Average total loans | $27,062,000 | 4,389 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 2,738 |
| Cost of funding earning assets | 0.4382% | 1,269 |
| Net interest margin | 3.0356% | 3,090 |
| Noninterest income to average assets | 0.0668% | 4,686 |
| Noninterest expense to average assets | 1.9386% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9843% | 2,738 |
| Return on assets (ROA) | 1.0161% | 2,687 |
| Pretax return on assets | 1.0679% | 3,072 |
| Return on Equity (ROE) | 9.1056% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.6127% | 2,961 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2052% | 2,370 |
| Assets per employee ($millions) | 7.8239% | 1,430 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,760 |
| 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 | 42.8848% | 3,921 |
| Net loans and leases to deposits | 48.3770% | 3,975 |
| Net loans and leases to core deposits | 52.4678% | 3,858 |
| Total domestic deposits to total assets | 88.6469% | 1,703 |
| Equity capital to assets | 10.6725% | 2,031 |
| Core capital (leverage) ratio | 10.8118% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,838,000 | 4,454 |
| Average earning assets | $57,286,200 | 4,423 |
| Average equity | $6,677,200 | 4,460 |
| Average total loans | $27,081,000 | 4,431 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 2,489 |
| Cost of funding earning assets | 0.4681% | 1,230 |
| Net interest margin | 3.1553% | 2,877 |
| Noninterest income to average assets | 0.0609% | 4,778 |
| Noninterest expense to average assets | 1.8799% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1626% | 2,314 |
| Return on assets (ROA) | 1.1947% | 2,242 |
| Pretax return on assets | 1.2533% | 2,762 |
| Return on Equity (ROE) | 10.5841% | 2,526 |
| Retained earnings to average equity (ytd only) | 4.5931% | 3,372 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6545% | 2,887 |
| Assets per employee ($millions) | 7.3413% | 1,655 |
| Cash dividends to net income (ytd only)* | 56.6038% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,798 |
| 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 | 45.1847% | 3,859 |
| Net loans and leases to deposits | 51.4622% | 3,921 |
| Net loans and leases to core deposits | 56.1725% | 3,761 |
| Total domestic deposits to total assets | 87.8018% | 1,953 |
| Equity capital to assets | 11.4984% | 1,681 |
| Core capital (leverage) ratio | 11.1126% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,149,750 | 4,519 |
| Average earning assets | $56,961,750 | 4,486 |
| Average equity | $6,676,500 | 4,525 |
| Average total loans | $27,057,500 | 4,494 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 1,915 |
| Cost of funding earning assets | 0.5102% | 1,143 |
| Net interest margin | 3.3513% | 2,296 |
| Noninterest income to average assets | 0.0573% | 4,820 |
| Noninterest expense to average assets | 1.8351% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3979% | 1,574 |
| Return on assets (ROA) | 1.4303% | 1,546 |
| Pretax return on assets | 1.4910% | 2,043 |
| Return on Equity (ROE) | 12.7500% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.7288% | 3,610 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7377% | 3,579 |
| Assets per employee ($millions) | 7.3493% | 1,564 |
| Cash dividends to net income (ytd only)* | 70.7547% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,625 |
| 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 | 44.2953% | 4,026 |
| Net loans and leases to deposits | 50.3470% | 4,086 |
| Net loans and leases to core deposits | 54.3548% | 4,005 |
| Total domestic deposits to total assets | 87.9801% | 1,837 |
| Equity capital to assets | 11.3379% | 1,736 |
| Core capital (leverage) ratio | 10.4321% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,289,667 | 4,545 |
| Average earning assets | $57,232,333 | 4,510 |
| Average equity | $6,651,000 | 4,556 |
| Average total loans | $27,120,000 | 4,525 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 1,583 |
| Cost of funding earning assets | 0.5733% | 996 |
| Net interest margin | 3.4397% | 1,992 |
| Noninterest income to average assets | 0.0739% | 4,787 |
| Noninterest expense to average assets | 1.8812% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5190% | 1,285 |
| Return on assets (ROA) | 1.5856% | 1,203 |
| Pretax return on assets | 1.6057% | 1,711 |
| Return on Equity (ROE) | 14.2094% | 1,394 |
| Retained earnings to average equity (ytd only) | -3.8534% | 4,642 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0098% | 3,665 |
| Assets per employee ($millions) | 7.5146% | 1,442 |
| Cash dividends to net income (ytd only)* | 127.1186% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,654 |
| 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 | 43.6782% | 4,136 |
| Net loans and leases to deposits | 49.3164% | 4,206 |
| Net loans and leases to core deposits | 53.1194% | 4,139 |
| Total domestic deposits to total assets | 88.5673% | 1,579 |
| Equity capital to assets | 10.8239% | 1,989 |
| Core capital (leverage) ratio | 10.2631% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,537,500 | 4,563 |
| Average earning assets | $57,912,500 | 4,521 |
| Average equity | $6,643,500 | 4,567 |
| Average total loans | $27,492,000 | 4,542 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 2,869 |
| Cost of funding earning assets | 0.7572% | 1,412 |
| Net interest margin | 3.1966% | 3,369 |
| Noninterest income to average assets | 0.0719% | 4,814 |
| Noninterest expense to average assets | 2.0664% | 4,009 |
| Loan and lease loss provision to assets | 0.0432% | 3,864 |
| Net operating income to assets | 0.9924% | 2,321 |
| Return on assets (ROA) | 0.9855% | 2,488 |
| Pretax return on assets | 1.0377% | 2,922 |
| Return on Equity (ROE) | 8.4714% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.8647% | 2,889 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5074% | 2,604 |
| Assets per employee ($millions) | 7.3698% | 1,352 |
| Cash dividends to net income (ytd only)* | 54.3796% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,095 |
| 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 | 47.5932% | 4,003 |
| Net loans and leases to deposits | 54.2505% | 4,101 |
| Net loans and leases to core deposits | 58.5620% | 4,021 |
| Total domestic deposits to total assets | 87.7286% | 1,598 |
| Equity capital to assets | 11.4997% | 1,882 |
| Core capital (leverage) ratio | 10.6845% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,603,800 | 4,579 |
| Average earning assets | $53,619,200 | 4,530 |
| Average equity | $6,468,800 | 4,587 |
| Average total loans | $30,012,000 | 4,517 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 2,697 |
| Cost of funding earning assets | 0.7879% | 1,553 |
| Net interest margin | 3.3033% | 3,173 |
| Noninterest income to average assets | 0.0633% | 4,866 |
| Noninterest expense to average assets | 1.9866% | 4,176 |
| Loan and lease loss provision to assets | 0.0438% | 3,811 |
| Net operating income to assets | 1.1629% | 1,770 |
| Return on assets (ROA) | 1.1442% | 1,955 |
| Pretax return on assets | 1.1978% | 2,398 |
| Return on Equity (ROE) | 9.8052% | 2,089 |
| Retained earnings to average equity (ytd only) | 3.5883% | 3,263 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1694% | 3,196 |
| Assets per employee ($millions) | 7.0350% | 1,475 |
| Cash dividends to net income (ytd only)* | 63.4043% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,476 |
| 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 | 54.8756% | 3,722 |
| Net loans and leases to deposits | 62.8158% | 3,880 |
| Net loans and leases to core deposits | 68.0849% | 3,753 |
| Total domestic deposits to total assets | 87.3596% | 1,520 |
| Equity capital to assets | 11.8994% | 1,739 |
| Core capital (leverage) ratio | 11.1538% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,765,250 | 4,611 |
| Average earning assets | $52,794,250 | 4,563 |
| Average equity | $6,391,000 | 4,619 |
| Average total loans | $30,416,750 | 4,533 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 2,889 |
| Cost of funding earning assets | 0.8201% | 1,729 |
| Net interest margin | 3.3375% | 3,283 |
| Noninterest income to average assets | 0.0663% | 4,875 |
| Noninterest expense to average assets | 1.9462% | 4,337 |
| Loan and lease loss provision to assets | 0.0442% | 3,735 |
| Net operating income to assets | 1.2597% | 1,462 |
| Return on assets (ROA) | 1.2311% | 1,668 |
| Pretax return on assets | 1.2716% | 2,126 |
| Return on Equity (ROE) | 10.6217% | 1,763 |
| Retained earnings to average equity (ytd only) | 1.1449% | 4,058 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1265% | 3,538 |
| Assets per employee ($millions) | 6.9279% | 1,482 |
| Cash dividends to net income (ytd only)* | 89.2216% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,553 |
| 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 | 57.0846% | 3,597 |
| Net loans and leases to deposits | 65.3178% | 3,776 |
| Net loans and leases to core deposits | 70.8784% | 3,650 |
| Total domestic deposits to total assets | 87.3951% | 1,452 |
| Equity capital to assets | 11.8687% | 1,745 |
| Core capital (leverage) ratio | 11.0804% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,260,333 | 4,630 |
| Average earning assets | $52,434,333 | 4,583 |
| Average equity | $6,289,000 | 4,655 |
| Average total loans | $30,152,000 | 4,559 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,809 |
| Cost of funding earning assets | 0.8706% | 2,012 |
| Net interest margin | 3.1203% | 4,049 |
| Noninterest income to average assets | 0.0894% | 4,866 |
| Noninterest expense to average assets | 2.0343% | 4,335 |
| Loan and lease loss provision to assets | 0.0447% | 3,220 |
| Net operating income to assets | 1.0118% | 2,140 |
| Return on assets (ROA) | 0.9315% | 2,522 |
| Pretax return on assets | 0.9464% | 3,011 |
| Return on Equity (ROE) | 8.1374% | 2,461 |
| Retained earnings to average equity (ytd only) | -11.2621% | 4,805 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4676% | 3,032 |
| Assets per employee ($millions) | 6.4891% | 1,349 |
| Cash dividends to net income (ytd only)* | 238.4000% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,296 |
| 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 | 55.4177% | 3,876 |
| Net loans and leases to deposits | 63.1938% | 4,025 |
| Net loans and leases to core deposits | 69.7786% | 3,894 |
| Total domestic deposits to total assets | 87.6948% | 1,233 |
| Equity capital to assets | 11.5809% | 2,373 |
| Core capital (leverage) ratio | 11.0575% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,679,000 | 4,651 |
| Average earning assets | $51,918,000 | 4,602 |
| Average equity | $6,144,500 | 4,703 |
| Average total loans | $29,248,500 | 4,610 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 3,423 |
| Cost of funding earning assets | 0.8778% | 2,298 |
| Net interest margin | 3.4620% | 3,559 |
| Noninterest income to average assets | 0.0993% | 4,930 |
| Noninterest expense to average assets | 2.0893% | 4,383 |
| Loan and lease loss provision to assets | 0.0467% | 3,092 |
| Net operating income to assets | 1.1966% | 2,069 |
| Return on assets (ROA) | 1.2540% | 1,938 |
| Pretax return on assets | 1.3182% | 2,448 |
| Return on Equity (ROE) | 10.8913% | 1,927 |
| Retained earnings to average equity (ytd only) | 5.8515% | 1,945 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5605% | 3,443 |
| Assets per employee ($millions) | 6.9306% | 1,066 |
| Cash dividends to net income (ytd only)* | 46.2733% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,213 |
| 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 | 52.4917% | 4,187 |
| Net loans and leases to deposits | 59.7446% | 4,305 |
| Net loans and leases to core deposits | 65.3685% | 4,214 |
| Total domestic deposits to total assets | 87.8600% | 1,193 |
| Equity capital to assets | 11.3211% | 2,685 |
| Core capital (leverage) ratio | 11.4371% | 2,158 |
| Tier 1 risk-based capital ratio | 16.7288% | 2,145 |
| Total risk-based capital ratio | 17.5886% | 2,223 |
| Memoranda: | ||
| Average total assets | $51,356,400 | 4,729 |
| Average earning assets | $48,872,800 | 4,693 |
| Average equity | $5,913,000 | 4,767 |
| Average total loans | $29,331,600 | 4,655 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 3,278 |
| Cost of funding earning assets | 0.8570% | 2,427 |
| Net interest margin | 3.5678% | 3,341 |
| Noninterest income to average assets | 0.0901% | 5,019 |
| Noninterest expense to average assets | 1.9946% | 4,568 |
| Loan and lease loss provision to assets | 0.0477% | 2,940 |
| Net operating income to assets | 1.3509% | 1,638 |
| Return on assets (ROA) | 1.3509% | 1,706 |
| Pretax return on assets | 1.4330% | 2,183 |
| Return on Equity (ROE) | 11.6795% | 1,725 |
| Retained earnings to average equity (ytd only) | 4.8550% | 2,959 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3933% | 4,015 |
| Assets per employee ($millions) | 7.1173% | 983 |
| Cash dividends to net income (ytd only)* | 58.4311% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,380 |
| 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 | 58.2546% | 3,854 |
| Net loans and leases to deposits | 67.1254% | 3,986 |
| Net loans and leases to core deposits | 74.3227% | 3,811 |
| Total domestic deposits to total assets | 86.7847% | 1,626 |
| Equity capital to assets | 12.3402% | 2,014 |
| Core capital (leverage) ratio | 11.6077% | 2,141 |
| Tier 1 risk-based capital ratio | 16.4456% | 2,290 |
| Total risk-based capital ratio | 17.2934% | 2,352 |
| Memoranda: | ||
| Average total assets | $50,334,250 | 4,806 |
| Average earning assets | $47,759,500 | 4,781 |
| Average equity | $5,822,000 | 4,843 |
| Average total loans | $29,311,250 | 4,721 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 3,349 |
| Cost of funding earning assets | 0.8489% | 2,404 |
| Net interest margin | 3.5461% | 3,447 |
| Noninterest income to average assets | 0.0911% | 5,070 |
| Noninterest expense to average assets | 1.9760% | 4,644 |
| Loan and lease loss provision to assets | 0.0475% | 2,865 |
| Net operating income to assets | 1.3424% | 1,610 |
| Return on assets (ROA) | 1.3424% | 1,674 |
| Pretax return on assets | 1.4256% | 2,122 |
| Return on Equity (ROE) | 11.8670% | 1,630 |
| Retained earnings to average equity (ytd only) | 1.4352% | 4,310 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2905% | 4,096 |
| Assets per employee ($millions) | 7.1060% | 955 |
| Cash dividends to net income (ytd only)* | 87.9056% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,522 |
| 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 | 58.1762% | 3,899 |
| Net loans and leases to deposits | 66.6989% | 4,046 |
| Net loans and leases to core deposits | 73.8158% | 3,904 |
| Total domestic deposits to total assets | 87.2221% | 1,484 |
| Equity capital to assets | 11.9537% | 2,219 |
| Core capital (leverage) ratio | 11.3620% | 2,285 |
| Tier 1 risk-based capital ratio | 16.1763% | 2,337 |
| Total risk-based capital ratio | 17.0181% | 2,451 |
| Memoranda: | ||
| Average total assets | $50,505,330 | 4,839 |
| Average earning assets | $47,826,670 | 4,814 |
| Average equity | $5,713,330 | 4,886 |
| Average total loans | $29,306,330 | 4,757 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,696 |
| Cost of funding earning assets | 0.7893% | 2,596 |
| Net interest margin | 3.4648% | 3,700 |
| Noninterest income to average assets | 0.1100% | 5,042 |
| Noninterest expense to average assets | 2.0202% | 4,602 |
| Loan and lease loss provision to assets | 0.0472% | 2,701 |
| Net operating income to assets | 1.2341% | 1,934 |
| Return on assets (ROA) | 1.2341% | 1,983 |
| Pretax return on assets | 1.3206% | 2,374 |
| Return on Equity (ROE) | 11.2203% | 1,857 |
| Retained earnings to average equity (ytd only) | -10.0768% | 5,109 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6288% | 3,857 |
| Assets per employee ($millions) | 7.1951% | 920 |
| Cash dividends to net income (ytd only)* | 189.8089% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,768 |
| Loan loss allowance to noncurrent loans | 970.0000% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,523 |
| Noncurrent loans to loans | 0.1022% | 4,281 |
| Net loans and leases to total assets | 57.7175% | 3,920 |
| Net loans and leases to deposits | 65.5291% | 4,091 |
| Net loans and leases to core deposits | 73.2556% | 3,842 |
| Total domestic deposits to total assets | 88.0793% | 1,295 |
| Equity capital to assets | 11.1444% | 2,710 |
| Core capital (leverage) ratio | 11.0436% | 2,535 |
| Tier 1 risk-based capital ratio | 15.6294% | 2,595 |
| Total risk-based capital ratio | 16.4526% | 2,701 |
| Memoranda: | ||
| Average total assets | $50,887,000 | 4,885 |
| Average earning assets | $48,141,500 | 4,856 |
| Average equity | $5,597,000 | 4,945 |
| Average total loans | $29,342,000 | 4,804 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,183 |
| Cost of funding earning assets | 0.5722% | 2,906 |
| Net interest margin | 3.7075% | 3,007 |
| Noninterest income to average assets | 0.0946% | 5,167 |
| Noninterest expense to average assets | 2.2179% | 4,296 |
| Loan and lease loss provision to assets | 0.0494% | 3,197 |
| Net operating income to assets | 1.2656% | 1,929 |
| Return on assets (ROA) | 1.2324% | 2,029 |
| Pretax return on assets | 1.2982% | 2,508 |
| Return on Equity (ROE) | 11.2615% | 1,985 |
| Retained earnings to average equity (ytd only) | 5.6590% | 2,380 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6000% | 3,604 |
| Assets per employee ($millions) | 7.3440% | 851 |
| Cash dividends to net income (ytd only)* | 49.7496% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,851 |
| Loan loss allowance to noncurrent loans | 200.7042% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,477 |
| Noncurrent loans to loans | 0.4843% | 2,823 |
| Net loans and leases to total assets | 56.4854% | 4,097 |
| Net loans and leases to deposits | 63.9815% | 4,258 |
| Net loans and leases to core deposits | 73.5568% | 3,886 |
| Total domestic deposits to total assets | 88.2839% | 1,166 |
| Equity capital to assets | 10.8563% | 2,841 |
| Core capital (leverage) ratio | 11.5440% | 2,068 |
| Tier 1 risk-based capital ratio | 16.2961% | 2,309 |
| Total risk-based capital ratio | 17.1159% | 2,393 |
| Memoranda: | ||
| Average total assets | $48,605,400 | 4,960 |
| Average earning assets | $45,960,800 | 4,937 |
| Average equity | $5,319,000 | 5,002 |
| Average total loans | $28,778,800 | 4,848 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 3,009 |
| Cost of funding earning assets | 0.5129% | 3,112 |
| Net interest margin | 3.7751% | 2,734 |
| Noninterest income to average assets | 0.0779% | 5,277 |
| Noninterest expense to average assets | 2.1876% | 4,346 |
| Loan and lease loss provision to assets | 0.0501% | 2,985 |
| Net operating income to assets | 1.3586% | 1,627 |
| Return on assets (ROA) | 1.3137% | 1,810 |
| Pretax return on assets | 1.3777% | 2,310 |
| Return on Equity (ROE) | 11.9791% | 1,799 |
| Retained earnings to average equity (ytd only) | 4.4159% | 3,547 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7264% | 3,850 |
| Assets per employee ($millions) | 6.7507% | 1,048 |
| Cash dividends to net income (ytd only)* | 63.1348% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 4,065 |
| Loan loss allowance to noncurrent loans | 196.4789% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,495 |
| Noncurrent loans to loans | 0.4812% | 2,946 |
| Net loans and leases to total assets | 61.8622% | 3,672 |
| Net loans and leases to deposits | 71.2948% | 3,826 |
| Net loans and leases to core deposits | 79.8432% | 3,504 |
| Total domestic deposits to total assets | 86.7697% | 1,836 |
| Equity capital to assets | 11.1713% | 2,507 |
| Core capital (leverage) ratio | 11.7132% | 2,002 |
| Tier 1 risk-based capital ratio | 15.8305% | 2,513 |
| Total risk-based capital ratio | 16.6281% | 2,633 |
| Memoranda: | ||
| Average total assets | $47,904,750 | 5,029 |
| Average earning assets | $45,489,750 | 4,996 |
| Average equity | $5,253,500 | 5,067 |
| Average total loans | $28,642,750 | 4,905 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,976 |
| Cost of funding earning assets | 0.4897% | 3,093 |
| Net interest margin | 3.7518% | 2,746 |
| Noninterest income to average assets | 0.0748% | 5,339 |
| Noninterest expense to average assets | 2.1404% | 4,509 |
| Loan and lease loss provision to assets | 0.0499% | 2,916 |
| Net operating income to assets | 1.3872% | 1,487 |
| Return on assets (ROA) | 1.3632% | 1,561 |
| Pretax return on assets | 1.4256% | 2,068 |
| Return on Equity (ROE) | 12.5071% | 1,541 |
| Retained earnings to average equity (ytd only) | 1.1439% | 4,724 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7900% | 4,117 |
| Assets per employee ($millions) | 6.7034% | 1,071 |
| Cash dividends to net income (ytd only)* | 90.8537% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,175 |
| Loan loss allowance to noncurrent loans | 190.9091% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 3,547 |
| Noncurrent loans to loans | 0.4908% | 2,960 |
| Net loans and leases to total assets | 61.5165% | 3,655 |
| Net loans and leases to deposits | 69.9426% | 3,866 |
| Net loans and leases to core deposits | 76.1314% | 3,736 |
| Total domestic deposits to total assets | 87.9529% | 1,405 |
| Equity capital to assets | 11.2245% | 2,429 |
| Core capital (leverage) ratio | 11.3018% | 2,250 |
| Tier 1 risk-based capital ratio | 15.6493% | 2,568 |
| Total risk-based capital ratio | 16.4413% | 2,708 |
| Memoranda: | ||
| Average total assets | $48,121,330 | 5,086 |
| Average earning assets | $45,737,670 | 5,050 |
| Average equity | $5,245,000 | 5,123 |
| Average total loans | $28,353,000 | 4,964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,024 |
| Cost of funding earning assets | 0.4758% | 3,001 |
| Net interest margin | 3.6852% | 2,859 |
| Noninterest income to average assets | 0.0903% | 5,364 |
| Noninterest expense to average assets | 2.2742% | 4,246 |
| Loan and lease loss provision to assets | 0.0493% | 2,795 |
| Net operating income to assets | 1.2231% | 1,912 |
| Return on assets (ROA) | 1.2151% | 1,953 |
| Pretax return on assets | 1.2562% | 2,530 |
| Return on Equity (ROE) | 11.3107% | 1,851 |
| Retained earnings to average equity (ytd only) | -11.4635% | 5,398 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3867% | 3,580 |
| Assets per employee ($millions) | 6.9070% | 997 |
| Cash dividends to net income (ytd only)* | 201.3514% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 4,063 |
| 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 | 55.8005% | 4,135 |
| Net loans and leases to deposits | 62.9248% | 4,278 |
| Net loans and leases to core deposits | 69.1947% | 4,130 |
| Total domestic deposits to total assets | 88.6782% | 1,268 |
| Equity capital to assets | 10.5318% | 3,045 |
| Core capital (leverage) ratio | 10.7592% | 2,677 |
| Tier 1 risk-based capital ratio | 15.7380% | 2,578 |
| Total risk-based capital ratio | 16.5439% | 2,678 |
| Memoranda: | ||
| Average total assets | $48,720,000 | 5,131 |
| Average earning assets | $46,238,500 | 5,092 |
| Average equity | $5,234,000 | 5,184 |
| Average total loans | $27,960,000 | 5,024 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,716 |
| Cost of funding earning assets | 0.4535% | 2,744 |
| Net interest margin | 3.7376% | 2,644 |
| Noninterest income to average assets | 0.1014% | 5,408 |
| Noninterest expense to average assets | 2.3390% | 4,230 |
| Loan and lease loss provision to assets | 0.0380% | 3,504 |
| Net operating income to assets | 1.1944% | 1,540 |
| Return on assets (ROA) | 1.2065% | 1,529 |
| Pretax return on assets | 1.2720% | 2,463 |
| Return on Equity (ROE) | 11.0612% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.0612% | 240 |
| Net charge-offs to loans | -0.0184% | 4,937 |
| Credit loss provision to net charge-offs | -360.0000% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3231% | 3,560 |
| Assets per employee ($millions) | 7.0130% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,419 |
| 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 | 57.8782% | 4,017 |
| Net loans and leases to deposits | 65.6781% | 4,212 |
| Net loans and leases to core deposits | 73.0167% | 3,968 |
| Total domestic deposits to total assets | 88.1241% | 1,425 |
| Equity capital to assets | 10.9511% | 2,676 |
| Core capital (leverage) ratio | 11.1532% | 2,194 |
| Tier 1 risk-based capital ratio | 15.2123% | 2,742 |
| Total risk-based capital ratio | 15.9525% | 2,921 |
| Memoranda: | ||
| Average total assets | $47,327,800 | 5,206 |
| Average earning assets | $44,761,600 | 5,175 |
| Average equity | $5,162,200 | 5,244 |
| Average total loans | $27,217,000 | 5,088 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 2,721 |
| Cost of funding earning assets | 0.4474% | 2,740 |
| Net interest margin | 3.7208% | 2,684 |
| Noninterest income to average assets | 0.0938% | 5,496 |
| Noninterest expense to average assets | 2.2351% | 4,456 |
| Loan and lease loss provision to assets | 0.0142% | 3,858 |
| Net operating income to assets | 1.3196% | 1,275 |
| Return on assets (ROA) | 1.3223% | 1,294 |
| Pretax return on assets | 1.3706% | 2,214 |
| Return on Equity (ROE) | 12.1356% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.1356% | 283 |
| Net charge-offs to loans | -0.0050% | 4,459 |
| Credit loss provision to net charge-offs | -500.0000% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7925% | 3,918 |
| Assets per employee ($millions) | 6.6429% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,685 |
| 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 | 59.6581% | 3,905 |
| Net loans and leases to deposits | 68.1530% | 4,104 |
| Net loans and leases to core deposits | 74.2572% | 3,954 |
| Total domestic deposits to total assets | 87.5355% | 1,615 |
| Equity capital to assets | 11.5957% | 2,281 |
| Core capital (leverage) ratio | 11.4051% | 2,093 |
| Tier 1 risk-based capital ratio | 15.2893% | 2,800 |
| Total risk-based capital ratio | 15.9988% | 2,968 |
| Memoranda: | ||
| Average total assets | $46,887,000 | 5,272 |
| Average earning assets | $44,398,500 | 5,239 |
| Average equity | $5,108,750 | 5,312 |
| Average total loans | $26,852,750 | 5,154 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 2,794 |
| Cost of funding earning assets | 0.4456% | 2,644 |
| Net interest margin | 3.6642% | 2,775 |
| Noninterest income to average assets | 0.1021% | 5,509 |
| Noninterest expense to average assets | 2.2758% | 4,416 |
| Loan and lease loss provision to assets | 0.0213% | 3,558 |
| Net operating income to assets | 1.2166% | 1,548 |
| Return on assets (ROA) | 1.2166% | 1,586 |
| Pretax return on assets | 1.2677% | 2,507 |
| Return on Equity (ROE) | 11.4073% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.4073% | 379 |
| Net charge-offs to loans | -0.0076% | 4,444 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8425% | 3,695 |
| Assets per employee ($millions) | 5.7758% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 4,549 |
| 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 | 56.7827% | 4,148 |
| Net loans and leases to deposits | 64.6965% | 4,323 |
| Net loans and leases to core deposits | 70.5125% | 4,190 |
| Total domestic deposits to total assets | 87.7678% | 1,585 |
| Equity capital to assets | 11.3600% | 2,448 |
| Core capital (leverage) ratio | 10.9802% | 2,430 |
| Tier 1 risk-based capital ratio | 15.2927% | 2,803 |
| Total risk-based capital ratio | 16.0273% | 2,957 |
| Memoranda: | ||
| Average total assets | $47,016,000 | 5,309 |
| Average earning assets | $44,430,330 | 5,279 |
| Average equity | $5,014,330 | 5,369 |
| Average total loans | $26,475,330 | 5,201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 2,806 |
| Cost of funding earning assets | 0.4480% | 2,541 |
| Net interest margin | 3.6109% | 2,848 |
| Noninterest income to average assets | 0.1181% | 5,519 |
| Noninterest expense to average assets | 2.3365% | 4,305 |
| Loan and lease loss provision to assets | 0.0422% | 2,958 |
| Net operating income to assets | 1.1134% | 1,812 |
| Return on assets (ROA) | 1.1134% | 1,857 |
| Pretax return on assets | 1.1387% | 2,829 |
| Return on Equity (ROE) | 10.7821% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.7821% | 650 |
| Net charge-offs to loans | -0.0151% | 4,598 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4269% | 3,423 |
| Assets per employee ($millions) | 5.8179% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 2,258 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 56.0278% | 4,165 |
| Net loans and leases to deposits | 63.3444% | 4,343 |
| Net loans and leases to core deposits | 68.0435% | 4,295 |
| Total domestic deposits to total assets | 88.4494% | 1,456 |
| Equity capital to assets | 10.7320% | 2,924 |
| Core capital (leverage) ratio | 10.2949% | 3,117 |
| Tier 1 risk-based capital ratio | 14.7535% | 3,095 |
| Total risk-based capital ratio | 15.4844% | 3,261 |
| Memoranda: | ||
| Average total assets | $47,421,000 | 5,362 |
| Average earning assets | $44,643,000 | 5,329 |
| Average equity | $4,897,000 | 5,433 |
| Average total loans | $26,472,500 | 5,260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 2,988 |
| Cost of funding earning assets | 0.4328% | 2,684 |
| Net interest margin | 3.6274% | 2,972 |
| Noninterest income to average assets | 0.1133% | 5,606 |
| Noninterest expense to average assets | 2.3364% | 4,466 |
| Loan and lease loss provision to assets | 0.5494% | 242 |
| Net operating income to assets | 0.6354% | 4,068 |
| Return on assets (ROA) | 0.6456% | 4,128 |
| Pretax return on assets | 0.6776% | 4,565 |
| Return on Equity (ROE) | 6.2081% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.1246% | 3,683 |
| Net charge-offs to loans | 1.0573% | 175 |
| Credit loss provision to net charge-offs | 90.1754% | 2,791 |
| Earnings coverage of net charge-offs (x) | 1.9965% | 3,907 |
| Efficiency ratio | 65.7641% | 3,634 |
| Assets per employee ($millions) | 6.0374% | 1,451 |
| Cash dividends to net income (ytd only)* | 49.6689% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 2,389 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.6305% | 4,381 |
| Net loans and leases to deposits | 61.2247% | 4,594 |
| Net loans and leases to core deposits | 66.7628% | 4,477 |
| Total domestic deposits to total assets | 89.2296% | 992 |
| Equity capital to assets | 9.9360% | 3,785 |
| Core capital (leverage) ratio | 10.1302% | 3,330 |
| Tier 1 risk-based capital ratio | 13.9052% | 3,515 |
| Total risk-based capital ratio | 14.5957% | 3,776 |
| Memoranda: | ||
| Average total assets | $46,781,800 | 5,409 |
| Average earning assets | $44,357,400 | 5,367 |
| Average equity | $4,864,600 | 5,489 |
| Average total loans | $26,956,200 | 5,295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,942 |
| Cost of funding earning assets | 0.4287% | 2,748 |
| Net interest margin | 3.6533% | 2,875 |
| Noninterest income to average assets | 0.1034% | 5,698 |
| Noninterest expense to average assets | 2.2900% | 4,558 |
| Loan and lease loss provision to assets | 0.7385% | 150 |
| Net operating income to assets | 0.5123% | 4,652 |
| Return on assets (ROA) | 0.5229% | 4,707 |
| Pretax return on assets | 0.5632% | 4,967 |
| Return on Equity (ROE) | 4.9715% | 4,527 |
| Retained earnings to average equity (ytd only) | 0.8742% | 5,120 |
| Net charge-offs to loans | 0.1972% | 1,188 |
| Credit loss provision to net charge-offs | 642.5000% | 590 |
| Earnings coverage of net charge-offs (x) | 11.2254% | 2,512 |
| Efficiency ratio | 63.9647% | 3,940 |
| Assets per employee ($millions) | 5.7098% | 1,653 |
| Cash dividends to net income (ytd only)* | 82.4198% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 1,030 |
| Loan loss allowance to noncurrent loans | 48.6895% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.1717% | 683 |
| Noncurrent loans to loans | 3.6787% | 332 |
| Net loans and leases to total assets | 57.9776% | 4,095 |
| Net loans and leases to deposits | 65.8929% | 4,354 |
| Net loans and leases to core deposits | 72.3243% | 4,136 |
| Total domestic deposits to total assets | 87.9877% | 1,412 |
| Equity capital to assets | 11.1410% | 2,874 |
| Core capital (leverage) ratio | 10.0642% | 3,486 |
| Tier 1 risk-based capital ratio | 13.5591% | 3,826 |
| Total risk-based capital ratio | 14.8097% | 3,736 |
| Memoranda: | ||
| Average total assets | $46,402,500 | 5,468 |
| Average earning assets | $44,159,250 | 5,433 |
| Average equity | $4,881,000 | 5,544 |
| Average total loans | $27,039,250 | 5,346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,756 |
| Cost of funding earning assets | 0.4144% | 2,891 |
| Net interest margin | 3.4415% | 3,719 |
| Noninterest income to average assets | 0.1072% | 5,754 |
| Noninterest expense to average assets | 2.3326% | 4,521 |
| Loan and lease loss provision to assets | 0.9305% | 107 |
| Net operating income to assets | 0.0787% | 5,695 |
| Return on assets (ROA) | 0.0900% | 5,725 |
| Pretax return on assets | 0.1372% | 5,683 |
| Return on Equity (ROE) | 0.8729% | 5,705 |
| Retained earnings to average equity (ytd only) | -5.3620% | 5,762 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9480% | 3,166 |
| Assets per employee ($millions) | 5.7420% | 1,588 |
| Cash dividends to net income (ytd only)* | 714.2857% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 1,162 |
| Loan loss allowance to noncurrent loans | 56.2282% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 907 |
| Noncurrent loans to loans | 3.1250% | 459 |
| Net loans and leases to total assets | 58.7883% | 4,041 |
| Net loans and leases to deposits | 66.4444% | 4,314 |
| Net loans and leases to core deposits | 72.8487% | 4,103 |
| Total domestic deposits to total assets | 88.4774% | 1,180 |
| Equity capital to assets | 10.6431% | 3,481 |
| Core capital (leverage) ratio | 9.6573% | 3,989 |
| Tier 1 risk-based capital ratio | 12.8386% | 4,289 |
| Total risk-based capital ratio | 14.0878% | 4,207 |
| Memoranda: | ||
| Average total assets | $46,644,000 | 5,527 |
| Average earning assets | $44,399,330 | 5,491 |
| Average equity | $4,811,670 | 5,608 |
| Average total loans | $27,063,670 | 5,404 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 4,347 |
| Cost of funding earning assets | 0.3944% | 3,148 |
| Net interest margin | 3.2982% | 4,224 |
| Noninterest income to average assets | 0.1106% | 5,788 |
| Noninterest expense to average assets | 2.4427% | 4,248 |
| Loan and lease loss provision to assets | 0.0596% | 2,762 |
| Net operating income to assets | 0.6900% | 3,761 |
| Return on assets (ROA) | 0.6979% | 3,839 |
| Pretax return on assets | 0.7490% | 4,367 |
| Return on Equity (ROE) | 6.8720% | 3,531 |
| Retained earnings to average equity (ytd only) | -5.6987% | 5,639 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3281% | 2,277 |
| Assets per employee ($millions) | 5.6960% | 1,669 |
| Cash dividends to net income (ytd only)* | 182.9268% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,394 |
| Loan loss allowance to noncurrent loans | 22.0517% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.7168% | 518 |
| Noncurrent loans to loans | 4.7151% | 223 |
| Net loans and leases to total assets | 57.0203% | 4,146 |
| Net loans and leases to deposits | 64.3144% | 4,414 |
| Net loans and leases to core deposits | 70.5523% | 4,196 |
| Total domestic deposits to total assets | 88.6587% | 1,269 |
| Equity capital to assets | 10.5271% | 3,457 |
| Core capital (leverage) ratio | 9.7263% | 3,879 |
| Tier 1 risk-based capital ratio | 13.3040% | 4,092 |
| Total risk-based capital ratio | 14.0983% | 4,267 |
| Memoranda: | ||
| Average total assets | $46,998,000 | 5,577 |
| Average earning assets | $44,630,000 | 5,535 |
| Average equity | $4,773,000 | 5,659 |
| Average total loans | $26,851,500 | 5,453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,346 |
| Cost of funding earning assets | 0.3819% | 3,346 |
| Net interest margin | 3.6090% | 3,095 |
| Noninterest income to average assets | 0.1263% | 5,783 |
| Noninterest expense to average assets | 2.3687% | 4,592 |
| Loan and lease loss provision to assets | 0.0407% | 3,519 |
| Net operating income to assets | 1.0857% | 1,986 |
| Return on assets (ROA) | 1.0876% | 2,041 |
| Pretax return on assets | 1.1446% | 2,863 |
| Return on Equity (ROE) | 11.6284% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.5110% | 1,535 |
| Net charge-offs to loans | 0.0503% | 3,195 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,141 |
| Efficiency ratio | 66.6858% | 3,796 |
| Assets per employee ($millions) | 6.0535% | 1,347 |
| Cash dividends to net income (ytd only)* | 44.0075% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,777 |
| 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 | 56.1266% | 4,290 |
| Net loans and leases to deposits | 62.9350% | 4,548 |
| Net loans and leases to core deposits | 70.3825% | 4,277 |
| Total domestic deposits to total assets | 89.1819% | 1,028 |
| Equity capital to assets | 9.8063% | 4,183 |
| Core capital (leverage) ratio | 9.5368% | 4,121 |
| Tier 1 risk-based capital ratio | 13.1183% | 4,228 |
| Total risk-based capital ratio | 13.8702% | 4,450 |
| Memoranda: | ||
| Average total assets | $49,098,800 | 5,564 |
| Average earning assets | $46,605,600 | 5,508 |
| Average equity | $4,592,200 | 5,745 |
| Average total loans | $27,835,400 | 5,447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,402 |
| Cost of funding earning assets | 0.3818% | 3,408 |
| Net interest margin | 3.6018% | 3,157 |
| Noninterest income to average assets | 0.1191% | 5,879 |
| Noninterest expense to average assets | 2.3437% | 4,667 |
| Loan and lease loss provision to assets | 0.0406% | 3,397 |
| Net operating income to assets | 1.1096% | 1,962 |
| Return on assets (ROA) | 1.1096% | 2,041 |
| Pretax return on assets | 1.1556% | 2,997 |
| Return on Equity (ROE) | 12.0064% | 1,374 |
| Retained earnings to average equity (ytd only) | 5.1248% | 2,826 |
| Net charge-offs to loans | 0.0668% | 2,615 |
| Credit loss provision to net charge-offs | 107.1429% | 2,153 |
| Earnings coverage of net charge-offs (x) | 31.5651% | 1,452 |
| Efficiency ratio | 66.2080% | 3,861 |
| Assets per employee ($millions) | 5.9330% | 1,422 |
| Cash dividends to net income (ytd only)* | 57.3182% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,018 |
| 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 | 57.8986% | 4,153 |
| Net loans and leases to deposits | 65.2012% | 4,451 |
| Net loans and leases to core deposits | 73.1286% | 4,091 |
| Total domestic deposits to total assets | 88.7999% | 1,127 |
| Equity capital to assets | 9.8812% | 4,300 |
| Core capital (leverage) ratio | 8.9939% | 5,001 |
| Tier 1 risk-based capital ratio | 13.0049% | 4,427 |
| Total risk-based capital ratio | 13.7564% | 4,652 |
| Memoranda: | ||
| Average total assets | $49,266,500 | 5,630 |
| Average earning assets | $46,789,750 | 5,575 |
| Average equity | $4,553,000 | 5,828 |
| Average total loans | $27,932,500 | 5,511 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 3,571 |
| Cost of funding earning assets | 0.3800% | 3,491 |
| Net interest margin | 3.5506% | 3,288 |
| Noninterest income to average assets | 0.1283% | 5,908 |
| Noninterest expense to average assets | 2.3542% | 4,705 |
| Loan and lease loss provision to assets | 0.0401% | 3,312 |
| Net operating income to assets | 1.0749% | 2,033 |
| Return on assets (ROA) | 1.0749% | 2,138 |
| Pretax return on assets | 1.1069% | 3,141 |
| Return on Equity (ROE) | 11.8917% | 1,403 |
| Retained earnings to average equity (ytd only) | 1.4643% | 4,968 |
| Net charge-offs to loans | -0.0429% | 5,485 |
| Credit loss provision to net charge-offs | -166.6667% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2394% | 3,794 |
| Assets per employee ($millions) | 6.2364% | 1,194 |
| Cash dividends to net income (ytd only)* | 87.6866% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,900 |
| Loan loss allowance to noncurrent loans | 424.6154% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 5,142 |
| Noncurrent loans to loans | 0.2339% | 4,834 |
| Net loans and leases to total assets | 55.1542% | 4,432 |
| Net loans and leases to deposits | 61.0987% | 4,765 |
| Net loans and leases to core deposits | 66.3556% | 4,622 |
| Total domestic deposits to total assets | 90.2708% | 552 |
| Equity capital to assets | 8.8693% | 5,376 |
| Core capital (leverage) ratio | 8.6581% | 5,361 |
| Tier 1 risk-based capital ratio | 12.3885% | 4,888 |
| Total risk-based capital ratio | 13.1700% | 5,107 |
| Memoranda: | ||
| Average total assets | $49,867,330 | 5,673 |
| Average earning assets | $47,371,670 | 5,626 |
| Average equity | $4,507,330 | 5,895 |
| Average total loans | $27,996,000 | 5,553 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 3,498 |
| Cost of funding earning assets | 0.3796% | 3,531 |
| Net interest margin | 3.5509% | 3,223 |
| Noninterest income to average assets | 0.1524% | 5,826 |
| Noninterest expense to average assets | 2.5674% | 4,041 |
| Loan and lease loss provision to assets | 0.0401% | 3,109 |
| Net operating income to assets | 0.9146% | 2,679 |
| Return on assets (ROA) | 0.9146% | 2,803 |
| Pretax return on assets | 0.9227% | 3,806 |
| Return on Equity (ROE) | 10.0253% | 2,001 |
| Retained earnings to average equity (ytd only) | -10.6409% | 6,149 |
| Net charge-offs to loans | -0.0854% | 5,784 |
| Credit loss provision to net charge-offs | -83.3333% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7273% | 3,044 |
| Assets per employee ($millions) | 6.4623% | 1,095 |
| Cash dividends to net income (ytd only)* | 206.1404% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 5,144 |
| Loan loss allowance to noncurrent loans | 416.9231% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 5,258 |
| Noncurrent loans to loans | 0.2341% | 4,936 |
| Net loans and leases to total assets | 53.1723% | 4,535 |
| Net loans and leases to deposits | 58.8478% | 4,847 |
| Net loans and leases to core deposits | 65.2279% | 4,595 |
| Total domestic deposits to total assets | 90.3555% | 584 |
| Equity capital to assets | 8.7818% | 5,519 |
| Core capital (leverage) ratio | 8.6542% | 5,374 |
| Tier 1 risk-based capital ratio | 13.8507% | 4,118 |
| Total risk-based capital ratio | 14.7400% | 4,247 |
| Memoranda: | ||
| Average total assets | $49,855,500 | 5,722 |
| Average earning assets | $47,424,500 | 5,672 |
| Average equity | $4,548,500 | 5,941 |
| Average total loans | $28,097,500 | 5,593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,164 |
| Cost of funding earning assets | 0.4121% | 3,574 |
| Net interest margin | 3.7290% | 2,885 |
| Noninterest income to average assets | 0.1274% | 6,054 |
| Noninterest expense to average assets | 2.3543% | 4,960 |
| Loan and lease loss provision to assets | 0.0998% | 2,494 |
| Net operating income to assets | 1.1465% | 1,789 |
| Return on assets (ROA) | 1.1485% | 1,844 |
| Pretax return on assets | 1.2101% | 2,612 |
| Return on Equity (ROE) | 12.7618% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.2183% | 1,309 |
| Net charge-offs to loans | 0.1716% | 2,316 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 13.1064% | 2,304 |
| Efficiency ratio | 64.2899% | 4,550 |
| Assets per employee ($millions) | 6.0016% | 1,375 |
| Cash dividends to net income (ytd only)* | 43.4381% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 5,428 |
| Loan loss allowance to noncurrent loans | 393.9394% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 5,270 |
| Noncurrent loans to loans | 0.2321% | 4,993 |
| Net loans and leases to total assets | 58.6820% | 3,965 |
| Net loans and leases to deposits | 65.9327% | 4,337 |
| Net loans and leases to core deposits | 73.8184% | 3,935 |
| Total domestic deposits to total assets | 89.0030% | 1,232 |
| Equity capital to assets | 9.4912% | 4,735 |
| Core capital (leverage) ratio | 8.9434% | 5,073 |
| Tier 1 risk-based capital ratio | 14.4109% | 3,824 |
| Total risk-based capital ratio | 15.2738% | 4,002 |
| Memoranda: | ||
| Average total assets | $47,105,400 | 5,857 |
| Average earning assets | $44,650,600 | 5,812 |
| Average equity | $4,239,200 | 6,041 |
| Average total loans | $27,394,000 | 5,677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,392 |
| Cost of funding earning assets | 0.4169% | 3,617 |
| Net interest margin | 3.6799% | 3,104 |
| Noninterest income to average assets | 0.1052% | 6,230 |
| Noninterest expense to average assets | 2.3123% | 5,075 |
| Loan and lease loss provision to assets | 0.0199% | 4,007 |
| Net operating income to assets | 1.2174% | 1,618 |
| Return on assets (ROA) | 1.2202% | 1,665 |
| Pretax return on assets | 1.2657% | 2,514 |
| Return on Equity (ROE) | 13.7506% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.0194% | 1,814 |
| Net charge-offs to loans | 0.0786% | 3,080 |
| Credit loss provision to net charge-offs | 43.7500% | 3,223 |
| Earnings coverage of net charge-offs (x) | 28.1913% | 1,426 |
| Efficiency ratio | 64.3196% | 4,489 |
| Assets per employee ($millions) | 5.7973% | 1,491 |
| Cash dividends to net income (ytd only)* | 48.9502% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 5,590 |
| Loan loss allowance to noncurrent loans | 158.8608% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 4,738 |
| Noncurrent loans to loans | 0.5697% | 4,211 |
| Net loans and leases to total assets | 59.2544% | 3,895 |
| Net loans and leases to deposits | 66.2241% | 4,302 |
| Net loans and leases to core deposits | 72.4462% | 4,107 |
| Total domestic deposits to total assets | 89.4756% | 992 |
| Equity capital to assets | 9.5800% | 4,695 |
| Core capital (leverage) ratio | 8.9783% | 5,104 |
| Tier 1 risk-based capital ratio | 14.8218% | 3,692 |
| Total risk-based capital ratio | 15.6963% | 3,861 |
| Memoranda: | ||
| Average total assets | $46,878,500 | 5,934 |
| Average earning assets | $44,456,750 | 5,885 |
| Average equity | $4,159,750 | 6,122 |
| Average total loans | $27,133,750 | 5,749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,667 |
| Cost of funding earning assets | 0.4138% | 3,728 |
| Net interest margin | 3.6025% | 3,349 |
| Noninterest income to average assets | 0.1063% | 6,267 |
| Noninterest expense to average assets | 2.3254% | 5,095 |
| Loan and lease loss provision to assets | 0.0213% | 3,848 |
| Net operating income to assets | 1.1352% | 1,801 |
| Return on assets (ROA) | 1.1393% | 1,875 |
| Pretax return on assets | 1.1691% | 2,802 |
| Return on Equity (ROE) | 13.1847% | 1,125 |
| Retained earnings to average equity (ytd only) | 4.0833% | 3,576 |
| Net charge-offs to loans | 0.0223% | 3,763 |
| Credit loss provision to net charge-offs | 166.6667% | 1,350 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 582 |
| Efficiency ratio | 66.2228% | 4,331 |
| Assets per employee ($millions) | 5.8288% | 1,398 |
| Cash dividends to net income (ytd only)* | 69.0299% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 5,405 |
| Loan loss allowance to noncurrent loans | 209.6000% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 5,289 |
| Noncurrent loans to loans | 0.4710% | 4,586 |
| Net loans and leases to total assets | 56.3564% | 4,231 |
| Net loans and leases to deposits | 62.6780% | 4,625 |
| Net loans and leases to core deposits | 68.4991% | 4,415 |
| Total domestic deposits to total assets | 89.9142% | 851 |
| Equity capital to assets | 9.1979% | 5,106 |
| Core capital (leverage) ratio | 8.6721% | 5,445 |
| Tier 1 risk-based capital ratio | 14.5991% | 3,869 |
| Total risk-based capital ratio | 15.5278% | 4,015 |
| Memoranda: | ||
| Average total assets | $47,045,330 | 5,983 |
| Average earning assets | $44,468,670 | 5,936 |
| Average equity | $4,065,330 | 6,192 |
| Average total loans | $26,934,330 | 5,797 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,560 |
| Cost of funding earning assets | 0.4229% | 3,731 |
| Net interest margin | 3.6084% | 3,220 |
| Noninterest income to average assets | 0.0931% | 6,357 |
| Noninterest expense to average assets | 2.4803% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0243% | 2,107 |
| Return on assets (ROA) | 1.0243% | 2,180 |
| Pretax return on assets | 1.0073% | 3,294 |
| Return on Equity (ROE) | 12.2423% | 1,361 |
| Retained earnings to average equity (ytd only) | -3.9459% | 6,055 |
| Net charge-offs to loans | 0.0442% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.6667% | 881 |
| Efficiency ratio | 71.1165% | 3,640 |
| Assets per employee ($millions) | 5.8920% | 1,377 |
| Cash dividends to net income (ytd only)* | 132.2314% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 5,541 |
| Loan loss allowance to noncurrent loans | 197.6923% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 5,338 |
| Noncurrent loans to loans | 0.5035% | 4,654 |
| Net loans and leases to total assets | 54.2282% | 4,382 |
| Net loans and leases to deposits | 59.8422% | 4,778 |
| Net loans and leases to core deposits | 65.2866% | 4,572 |
| Total domestic deposits to total assets | 90.6186% | 730 |
| Equity capital to assets | 8.5221% | 5,634 |
| Core capital (leverage) ratio | 8.5157% | 5,621 |
| Tier 1 risk-based capital ratio | 13.5874% | 4,612 |
| Total risk-based capital ratio | 14.4610% | 4,823 |
| Memoranda: | ||
| Average total assets | $47,253,000 | 6,035 |
| Average earning assets | $44,452,000 | 5,988 |
| Average equity | $3,953,500 | 6,258 |
| Average total loans | $27,131,000 | 5,844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 4,090 |
| Cost of funding earning assets | 0.4704% | 3,906 |
| Net interest margin | 3.5268% | 3,782 |
| Noninterest income to average assets | 0.1222% | 6,311 |
| Noninterest expense to average assets | 2.2081% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1393% | 1,798 |
| Return on assets (ROA) | 1.1630% | 1,769 |
| Pretax return on assets | 1.2410% | 2,410 |
| Return on Equity (ROE) | 14.1292% | 920 |
| Retained earnings to average equity (ytd only) | 7.7301% | 1,142 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4923% | 4,818 |
| Assets per employee ($millions) | 5.9213% | 1,323 |
| Cash dividends to net income (ytd only)* | 45.2899% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 5,878 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 5,185 |
| Noncurrent loans to loans | 0.5941% | 4,500 |
| Net loans and leases to total assets | 59.4976% | 3,796 |
| Net loans and leases to deposits | 66.2950% | 4,267 |
| Net loans and leases to core deposits | 72.3520% | 4,025 |
| Total domestic deposits to total assets | 89.7467% | 1,211 |
| Equity capital to assets | 8.2119% | 5,865 |
| Core capital (leverage) ratio | 8.6478% | 5,480 |
| Tier 1 risk-based capital ratio | 13.6554% | 4,549 |
| Total risk-based capital ratio | 14.5351% | 4,737 |
| Memoranda: | ||
| Average total assets | $47,461,800 | 6,081 |
| Average earning assets | $44,431,800 | 6,037 |
| Average equity | $3,906,800 | 6,345 |
| Average total loans | $25,627,200 | 5,953 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 4,408 |
| Cost of funding earning assets | 0.4581% | 4,187 |
| Net interest margin | 3.4672% | 4,025 |
| Noninterest income to average assets | 0.0983% | 6,485 |
| Noninterest expense to average assets | 2.0975% | 5,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1922% | 1,664 |
| Return on assets (ROA) | 1.2242% | 1,625 |
| Pretax return on assets | 1.2860% | 2,380 |
| Return on Equity (ROE) | 14.8637% | 821 |
| Retained earnings to average equity (ytd only) | 7.1933% | 1,791 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6153% | 5,048 |
| Assets per employee ($millions) | 5.7463% | 1,407 |
| Cash dividends to net income (ytd only)* | 51.6050% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 5,828 |
| Loan loss allowance to noncurrent loans | 351.3514% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 5,953 |
| Noncurrent loans to loans | 0.2770% | 5,540 |
| Net loans and leases to total assets | 57.5571% | 4,084 |
| Net loans and leases to deposits | 66.5284% | 4,236 |
| Net loans and leases to core deposits | 70.9128% | 4,222 |
| Total domestic deposits to total assets | 86.5151% | 2,962 |
| Equity capital to assets | 8.4294% | 5,814 |
| Core capital (leverage) ratio | 8.7028% | 5,534 |
| Tier 1 risk-based capital ratio | 12.9234% | 5,174 |
| Total risk-based capital ratio | 13.7751% | 5,384 |
| Memoranda: | ||
| Average total assets | $47,484,750 | 6,147 |
| Average earning assets | $44,530,250 | 6,105 |
| Average equity | $3,911,000 | 6,423 |
| Average total loans | $24,923,000 | 6,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,796 |
| Cost of funding earning assets | 0.4479% | 4,451 |
| Net interest margin | 3.3616% | 4,340 |
| Noninterest income to average assets | 0.0959% | 6,542 |
| Noninterest expense to average assets | 2.1046% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0986% | 1,934 |
| Return on assets (ROA) | 1.1461% | 1,878 |
| Pretax return on assets | 1.2003% | 2,677 |
| Return on Equity (ROE) | 14.0199% | 1,008 |
| Retained earnings to average equity (ytd only) | 3.8236% | 3,867 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6607% | 4,764 |
| Assets per employee ($millions) | 5.5151% | 1,573 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 5,652 |
| Loan loss allowance to noncurrent loans | 342.1053% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 5,986 |
| Noncurrent loans to loans | 0.3056% | 5,541 |
| Net loans and leases to total assets | 55.7830% | 4,334 |
| Net loans and leases to deposits | 62.9061% | 4,639 |
| Net loans and leases to core deposits | 64.9102% | 4,798 |
| Total domestic deposits to total assets | 88.6766% | 1,790 |
| Equity capital to assets | 8.3815% | 5,883 |
| Core capital (leverage) ratio | 8.2220% | 5,986 |
| Tier 1 risk-based capital ratio | 13.0027% | 5,143 |
| Total risk-based capital ratio | 13.8902% | 5,338 |
| Memoranda: | ||
| Average total assets | $47,989,670 | 6,183 |
| Average earning assets | $45,097,000 | 6,133 |
| Average equity | $3,923,000 | 6,472 |
| Average total loans | $24,324,330 | 6,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 5,329 |
| Cost of funding earning assets | 0.4287% | 4,823 |
| Net interest margin | 3.2150% | 4,871 |
| Noninterest income to average assets | 0.1042% | 6,557 |
| Noninterest expense to average assets | 2.0992% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9695% | 2,353 |
| Return on assets (ROA) | 0.9695% | 2,486 |
| Pretax return on assets | 1.0095% | 3,304 |
| Return on Equity (ROE) | 11.9936% | 1,427 |
| Retained earnings to average equity (ytd only) | -5.3525% | 6,389 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5258% | 4,403 |
| Assets per employee ($millions) | 5.7990% | 1,408 |
| Cash dividends to net income (ytd only)* | 144.6281% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,548 |
| Loan loss allowance to noncurrent loans | 342.1053% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 6,079 |
| Noncurrent loans to loans | 0.3255% | 5,587 |
| Net loans and leases to total assets | 49.7737% | 5,025 |
| Net loans and leases to deposits | 55.0166% | 5,346 |
| Net loans and leases to core deposits | 56.6470% | 5,457 |
| Total domestic deposits to total assets | 90.4703% | 781 |
| Equity capital to assets | 8.6524% | 5,858 |
| Core capital (leverage) ratio | 7.5206% | 6,461 |
| Tier 1 risk-based capital ratio | 12.8604% | 5,330 |
| Total risk-based capital ratio | 13.7690% | 5,514 |
| Memoranda: | ||
| Average total assets | $49,924,000 | 6,187 |
| Average earning assets | $46,656,000 | 6,138 |
| Average equity | $4,035,500 | 6,504 |
| Average total loans | $24,050,500 | 6,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 5,424 |
| Cost of funding earning assets | 0.6866% | 3,599 |
| Net interest margin | 3.2691% | 5,363 |
| Noninterest income to average assets | 0.0605% | 6,654 |
| Noninterest expense to average assets | 2.2189% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8554% | 3,016 |
| Return on assets (ROA) | 0.8513% | 3,287 |
| Pretax return on assets | 0.8923% | 3,948 |
| Return on Equity (ROE) | 9.7893% | 2,266 |
| Retained earnings to average equity (ytd only) | 4.6959% | 2,914 |
| Net charge-offs to loans | -0.0448% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2205% | 3,586 |
| Assets per employee ($millions) | 6.6820% | 905 |
| Cash dividends to net income (ytd only)* | 52.0305% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,760 |
| Loan loss allowance to noncurrent loans | 433.3333% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 6,298 |
| Noncurrent loans to loans | 0.2424% | 5,873 |
| Net loans and leases to total assets | 45.8134% | 5,635 |
| Net loans and leases to deposits | 50.0429% | 5,951 |
| Net loans and leases to core deposits | 51.3084% | 6,065 |
| Total domestic deposits to total assets | 91.5482% | 326 |
| Equity capital to assets | 7.5894% | 6,599 |
| Core capital (leverage) ratio | 7.8348% | 6,323 |
| Tier 1 risk-based capital ratio | 12.3958% | 5,546 |
| Total risk-based capital ratio | 13.2590% | 5,736 |
| Memoranda: | ||
| Average total assets | $46,283,200 | 6,321 |
| Average earning assets | $43,253,800 | 6,261 |
| Average equity | $4,024,800 | 6,559 |
| Average total loans | $22,317,200 | 6,330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 5,236 |
| Cost of funding earning assets | 0.7408% | 3,423 |
| Net interest margin | 3.3463% | 5,225 |
| Noninterest income to average assets | 0.0270% | 6,872 |
| Noninterest expense to average assets | 2.2387% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8900% | 3,035 |
| Return on assets (ROA) | 0.8871% | 3,286 |
| Pretax return on assets | 0.9260% | 4,007 |
| Return on Equity (ROE) | 9.8254% | 2,432 |
| Retained earnings to average equity (ytd only) | 3.6846% | 4,295 |
| Net charge-offs to loans | -0.0614% | 6,760 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6717% | 3,559 |
| Assets per employee ($millions) | 5.6504% | 1,499 |
| Cash dividends to net income (ytd only)* | 62.4994% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,255 |
| Loan loss allowance to noncurrent loans | 214.8760% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,029 |
| Noncurrent loans to loans | 0.5608% | 5,320 |
| Net loans and leases to total assets | 47.1562% | 5,645 |
| Net loans and leases to deposits | 52.5141% | 5,941 |
| Net loans and leases to core deposits | 54.1043% | 6,041 |
| Total domestic deposits to total assets | 89.7971% | 951 |
| Equity capital to assets | 9.2140% | 5,578 |
| Core capital (leverage) ratio | 8.0666% | 6,270 |
| Tier 1 risk-based capital ratio | 13.9564% | 4,562 |
| Total risk-based capital ratio | 14.9487% | 4,708 |
| Memoranda: | ||
| Average total assets | $44,490,000 | 6,435 |
| Average earning assets | $41,756,750 | 6,389 |
| Average equity | $4,016,750 | 6,639 |
| Average total loans | $21,709,000 | 6,435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 5,434 |
| Cost of funding earning assets | 0.7813% | 3,351 |
| Net interest margin | 3.2842% | 5,490 |
| Noninterest income to average assets | -0.0181% | 7,024 |
| Noninterest expense to average assets | 2.2733% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7591% | 3,559 |
| Return on assets (ROA) | 0.7548% | 3,859 |
| Pretax return on assets | 0.7819% | 4,539 |
| Return on Equity (ROE) | 8.4188% | 3,061 |
| Retained earnings to average equity (ytd only) | 0.6049% | 5,824 |
| Net charge-offs to loans | -0.0827% | 6,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2984% | 3,033 |
| Assets per employee ($millions) | 5.4074% | 1,697 |
| Cash dividends to net income (ytd only)* | 92.8144% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,375 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 5,409 |
| Noncurrent loans to loans | 1.0761% | 4,368 |
| Net loans and leases to total assets | 49.6683% | 5,397 |
| Net loans and leases to deposits | 55.3292% | 5,728 |
| Net loans and leases to core deposits | 56.6569% | 5,890 |
| Total domestic deposits to total assets | 89.7686% | 1,062 |
| Equity capital to assets | 9.2466% | 5,407 |
| Core capital (leverage) ratio | 8.0946% | 6,169 |
| Tier 1 risk-based capital ratio | 13.5898% | 4,752 |
| Total risk-based capital ratio | 14.5832% | 4,907 |
| Memoranda: | ||
| Average total assets | $44,252,330 | 6,481 |
| Average earning assets | $41,471,000 | 6,430 |
| Average equity | $3,967,330 | 6,690 |
| Average total loans | $21,753,330 | 6,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 5,671 |
| Cost of funding earning assets | 0.8657% | 2,951 |
| Net interest margin | 3.1646% | 5,865 |
| Noninterest income to average assets | -0.2592% | 7,214 |
| Noninterest expense to average assets | 2.2257% | 5,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4201% | 5,164 |
| Return on assets (ROA) | 0.4201% | 5,358 |
| Pretax return on assets | 0.4559% | 5,565 |
| Return on Equity (ROE) | 4.7583% | 4,902 |
| Retained earnings to average equity (ytd only) | -8.4029% | 6,780 |
| Net charge-offs to loans | -0.1655% | 6,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0000% | 1,802 |
| Assets per employee ($millions) | 5.6295% | 1,591 |
| Cash dividends to net income (ytd only)* | 276.5957% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 5,071 |
| Loan loss allowance to noncurrent loans | 634.1463% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,657 |
| Noncurrent loans to loans | 0.2031% | 6,277 |
| Net loans and leases to total assets | 44.2468% | 5,987 |
| Net loans and leases to deposits | 48.9487% | 6,228 |
| Net loans and leases to core deposits | 50.0678% | 6,338 |
| Total domestic deposits to total assets | 90.3944% | 870 |
| Equity capital to assets | 8.6864% | 5,889 |
| Core capital (leverage) ratio | 7.7311% | 6,462 |
| Tier 1 risk-based capital ratio | 13.8397% | 4,578 |
| Total risk-based capital ratio | 14.8791% | 4,716 |
| Memoranda: | ||
| Average total assets | $44,749,000 | 6,516 |
| Average earning assets | $41,585,500 | 6,467 |
| Average equity | $3,951,000 | 6,733 |
| Average total loans | $21,757,000 | 6,526 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 4,489 |
| Cost of funding earning assets | 0.9823% | 3,494 |
| Net interest margin | 3.6602% | 4,470 |
| Noninterest income to average assets | 0.1480% | 6,408 |
| Noninterest expense to average assets | 2.4784% | 5,541 |
| Loan and lease loss provision to assets | 0.0235% | 6,283 |
| Net operating income to assets | 0.9929% | 2,223 |
| Return on assets (ROA) | 1.0289% | 2,240 |
| Pretax return on assets | 1.0712% | 2,950 |
| Return on Equity (ROE) | 11.4690% | 1,567 |
| Retained earnings to average equity (ytd only) | 6.2320% | 1,885 |
| Net charge-offs to loans | -0.0187% | 6,947 |
| Credit loss provision to net charge-offs | -250.0000% | 6,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0997% | 3,934 |
| Assets per employee ($millions) | 5.5578% | 1,574 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,902 |
| Loan loss allowance to noncurrent loans | 597.6190% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 4,877 |
| Noncurrent loans to loans | 0.1800% | 6,386 |
| Net loans and leases to total assets | 51.9005% | 5,328 |
| Net loans and leases to deposits | 57.6900% | 5,727 |
| Net loans and leases to core deposits | 59.0330% | 5,930 |
| Total domestic deposits to total assets | 89.9645% | 1,017 |
| Equity capital to assets | 8.9740% | 5,577 |
| Core capital (leverage) ratio | 8.1998% | 5,997 |
| Tier 1 risk-based capital ratio | 12.9436% | 5,115 |
| Total risk-based capital ratio | 13.8601% | 5,354 |
| Memoranda: | ||
| Average total assets | $42,568,000 | 6,582 |
| Average earning assets | $39,396,600 | 6,552 |
| Average equity | $3,819,000 | 6,800 |
| Average total loans | $21,350,600 | 6,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 4,857 |
| Cost of funding earning assets | 1.0249% | 3,506 |
| Net interest margin | 3.5769% | 4,862 |
| Noninterest income to average assets | 0.1362% | 6,573 |
| Noninterest expense to average assets | 2.4832% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9281% | 2,632 |
| Return on assets (ROA) | 0.9281% | 2,782 |
| Pretax return on assets | 0.9692% | 3,519 |
| Return on Equity (ROE) | 10.3452% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.1663% | 3,762 |
| Net charge-offs to loans | -0.0192% | 6,902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9266% | 3,566 |
| Assets per employee ($millions) | 5.1495% | 1,994 |
| Cash dividends to net income (ytd only)* | 59.7271% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,905 |
| Loan loss allowance to noncurrent loans | 188.9764% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 4,489 |
| Noncurrent loans to loans | 0.5803% | 5,714 |
| Net loans and leases to total assets | 52.5439% | 5,380 |
| Net loans and leases to deposits | 58.8302% | 5,764 |
| Net loans and leases to core deposits | 60.3221% | 5,963 |
| Total domestic deposits to total assets | 89.3145% | 1,245 |
| Equity capital to assets | 9.6004% | 4,936 |
| Core capital (leverage) ratio | 8.0507% | 6,343 |
| Tier 1 risk-based capital ratio | 13.3476% | 4,838 |
| Total risk-based capital ratio | 14.2829% | 5,042 |
| Memoranda: | ||
| Average total assets | $42,094,500 | 6,656 |
| Average earning assets | $39,027,000 | 6,628 |
| Average equity | $3,776,250 | 6,865 |
| Average total loans | $20,856,500 | 6,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 5,434 |
| Cost of funding earning assets | 1.0515% | 3,592 |
| Net interest margin | 3.4238% | 5,466 |
| Noninterest income to average assets | 0.1510% | 6,569 |
| Noninterest expense to average assets | 2.5428% | 5,386 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7595% | 3,248 |
| Return on assets (ROA) | 0.7595% | 3,377 |
| Pretax return on assets | 0.7878% | 4,080 |
| Return on Equity (ROE) | 8.6637% | 2,650 |
| Retained earnings to average equity (ytd only) | 0.5919% | 5,620 |
| Net charge-offs to loans | -0.0292% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3456% | 2,958 |
| Assets per employee ($millions) | 5.2744% | 1,789 |
| Cash dividends to net income (ytd only)* | 93.1677% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,835 |
| Loan loss allowance to noncurrent loans | 102.1277% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 4,152 |
| Noncurrent loans to loans | 1.1049% | 4,823 |
| Net loans and leases to total assets | 49.8353% | 5,842 |
| Net loans and leases to deposits | 55.4171% | 6,188 |
| Net loans and leases to core deposits | 56.7787% | 6,360 |
| Total domestic deposits to total assets | 89.9277% | 1,010 |
| Equity capital to assets | 9.0271% | 5,543 |
| Core capital (leverage) ratio | 7.6561% | 6,620 |
| Tier 1 risk-based capital ratio | 13.1100% | 4,831 |
| Total risk-based capital ratio | 14.0582% | 5,058 |
| Memoranda: | ||
| Average total assets | $42,394,000 | 6,706 |
| Average earning assets | $39,371,000 | 6,666 |
| Average equity | $3,716,670 | 6,921 |
| Average total loans | $20,513,330 | 6,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 5,596 |
| Cost of funding earning assets | 1.1370% | 3,249 |
| Net interest margin | 3.2893% | 5,818 |
| Noninterest income to average assets | 0.1506% | 6,649 |
| Noninterest expense to average assets | 2.5604% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6213% | 3,918 |
| Return on assets (ROA) | 0.6213% | 3,986 |
| Pretax return on assets | 0.6401% | 4,535 |
| Return on Equity (ROE) | 7.1925% | 3,296 |
| Retained earnings to average equity (ytd only) | -6.4296% | 6,628 |
| Net charge-offs to loans | -0.0397% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,533 |
| Assets per employee ($millions) | 5.4643% | 1,604 |
| Cash dividends to net income (ytd only)* | 189.3939% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 5,449 |
| Loan loss allowance to noncurrent loans | 80.7432% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.4961% | 4,008 |
| Noncurrent loans to loans | 1.5337% | 4,167 |
| Net loans and leases to total assets | 43.6039% | 6,502 |
| Net loans and leases to deposits | 48.0138% | 6,755 |
| Net loans and leases to core deposits | 49.3872% | 6,809 |
| Total domestic deposits to total assets | 90.8153% | 714 |
| Equity capital to assets | 8.2056% | 6,274 |
| Core capital (leverage) ratio | 7.4366% | 6,766 |
| Tier 1 risk-based capital ratio | 13.1765% | 4,684 |
| Total risk-based capital ratio | 14.1460% | 4,893 |
| Memoranda: | ||
| Average total assets | $42,493,500 | 6,738 |
| Average earning assets | $39,400,500 | 6,706 |
| Average equity | $3,670,500 | 6,965 |
| Average total loans | $20,136,000 | 6,834 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 5,956 |
| Cost of funding earning assets | 1.3633% | 3,493 |
| Net interest margin | 3.2859% | 6,029 |
| Noninterest income to average assets | 0.2246% | 6,198 |
| Noninterest expense to average assets | 2.4266% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8008% | 2,797 |
| Return on assets (ROA) | 0.9134% | 2,466 |
| Pretax return on assets | 0.9627% | 3,055 |
| Return on Equity (ROE) | 10.3997% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.1836% | 1,726 |
| Net charge-offs to loans | 0.0625% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 26.3077% | 823 |
| Efficiency ratio | 74.1887% | 3,360 |
| Assets per employee ($millions) | 5.1591% | 1,933 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,831 |
| Loan loss allowance to noncurrent loans | 75.4777% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 3,854 |
| Noncurrent loans to loans | 1.4972% | 4,231 |
| Net loans and leases to total assets | 50.2387% | 6,146 |
| Net loans and leases to deposits | 56.0088% | 6,448 |
| Net loans and leases to core deposits | 58.4233% | 6,525 |
| Total domestic deposits to total assets | 89.6979% | 1,274 |
| Equity capital to assets | 9.0955% | 4,997 |
| Core capital (leverage) ratio | 7.8038% | 6,432 |
| Tier 1 risk-based capital ratio | 12.8953% | 4,688 |
| Total risk-based capital ratio | 13.8195% | 4,948 |
| Memoranda: | ||
| Average total assets | $40,509,200 | 6,847 |
| Average earning assets | $37,554,800 | 6,815 |
| Average equity | $3,557,800 | 7,121 |
| Average total loans | $20,787,200 | 6,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 6,346 |
| Cost of funding earning assets | 1.3815% | 3,697 |
| Net interest margin | 3.2127% | 6,301 |
| Noninterest income to average assets | 0.1984% | 6,474 |
| Noninterest expense to average assets | 2.3281% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8082% | 2,964 |
| Return on assets (ROA) | 0.9590% | 2,503 |
| Pretax return on assets | 1.0053% | 3,161 |
| Return on Equity (ROE) | 11.0199% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.2698% | 2,223 |
| Net charge-offs to loans | 0.0129% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 127.8352% | 249 |
| Efficiency ratio | 73.3333% | 3,455 |
| Assets per employee ($millions) | 5.1583% | 1,990 |
| Cash dividends to net income (ytd only)* | 43.1025% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,535 |
| Loan loss allowance to noncurrent loans | 63.2653% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 3,476 |
| Noncurrent loans to loans | 1.8852% | 3,817 |
| Net loans and leases to total assets | 49.7867% | 6,345 |
| Net loans and leases to deposits | 55.3088% | 6,664 |
| Net loans and leases to core deposits | 57.6669% | 6,750 |
| Total domestic deposits to total assets | 90.0160% | 873 |
| Equity capital to assets | 8.8451% | 5,787 |
| Core capital (leverage) ratio | 7.8124% | 6,557 |
| Tier 1 risk-based capital ratio | 12.8062% | 4,731 |
| Total risk-based capital ratio | 13.7828% | 4,930 |
| Memoranda: | ||
| Average total assets | $40,318,250 | 6,935 |
| Average earning assets | $37,351,250 | 6,901 |
| Average equity | $3,508,750 | 7,223 |
| Average total loans | $20,741,000 | 6,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 6,106 |
| Cost of funding earning assets | 1.4083% | 3,823 |
| Net interest margin | 3.3041% | 6,003 |
| Noninterest income to average assets | 0.2100% | 6,419 |
| Noninterest expense to average assets | 2.3099% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8999% | 2,551 |
| Return on assets (ROA) | 0.8999% | 2,668 |
| Pretax return on assets | 0.9499% | 3,311 |
| Return on Equity (ROE) | 10.3996% | 1,964 |
| Retained earnings to average equity (ytd only) | 4.6220% | 3,127 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8589% | 4,008 |
| Assets per employee ($millions) | 5.0885% | 2,065 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 5,232 |
| Loan loss allowance to noncurrent loans | 63.7755% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9578% | 3,545 |
| Noncurrent loans to loans | 1.9453% | 3,801 |
| Net loans and leases to total assets | 48.8872% | 6,556 |
| Net loans and leases to deposits | 54.2439% | 6,847 |
| Net loans and leases to core deposits | 56.6045% | 6,908 |
| Total domestic deposits to total assets | 90.1248% | 855 |
| Equity capital to assets | 8.7501% | 5,813 |
| Core capital (leverage) ratio | 7.8049% | 6,490 |
| Tier 1 risk-based capital ratio | 12.8177% | 4,590 |
| Total risk-based capital ratio | 13.8295% | 4,765 |
| Memoranda: | ||
| Average total assets | $40,002,330 | 6,999 |
| Average earning assets | $36,923,670 | 6,970 |
| Average equity | $3,461,670 | 7,275 |
| Average total loans | $20,723,670 | 7,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 5,826 |
| Cost of funding earning assets | 1.4563% | 3,826 |
| Net interest margin | 3.3616% | 5,748 |
| Noninterest income to average assets | 0.2421% | 6,215 |
| Noninterest expense to average assets | 2.2497% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0593% | 1,965 |
| Return on assets (ROA) | 1.0593% | 2,037 |
| Pretax return on assets | 1.0895% | 2,773 |
| Return on Equity (ROE) | 12.3113% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.5175% | 4,033 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3716% | 4,836 |
| Assets per employee ($millions) | 4.8323% | 2,460 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,451 |
| Loan loss allowance to noncurrent loans | 52.0833% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,292 |
| Noncurrent loans to loans | 2.3237% | 3,359 |
| Net loans and leases to total assets | 52.7886% | 6,185 |
| Net loans and leases to deposits | 58.6425% | 6,578 |
| Net loans and leases to core deposits | 60.8510% | 6,682 |
| Total domestic deposits to total assets | 90.0176% | 979 |
| Equity capital to assets | 8.8753% | 5,438 |
| Core capital (leverage) ratio | 7.7458% | 6,574 |
| Tier 1 risk-based capital ratio | 12.5291% | 4,718 |
| Total risk-based capital ratio | 13.5337% | 4,879 |
| Memoranda: | ||
| Average total assets | $39,649,500 | 7,100 |
| Average earning assets | $36,530,500 | 7,076 |
| Average equity | $3,411,500 | 7,369 |
| Average total loans | $21,010,000 | 7,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 5,028 |
| Cost of funding earning assets | 2.0493% | 2,729 |
| Net interest margin | 3.2800% | 5,820 |
| Noninterest income to average assets | 0.2054% | 6,641 |
| Noninterest expense to average assets | 2.8974% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.2152% | 4,850 |
| Return on assets (ROA) | 0.2152% | 4,910 |
| Pretax return on assets | 0.2274% | 4,944 |
| Return on Equity (ROE) | 2.6141% | 4,655 |
| Retained earnings to average equity (ytd only) | -1.8417% | 5,477 |
| Net charge-offs to loans | 0.0142% | 7,021 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 743 |
| Efficiency ratio | 92.7230% | 1,508 |
| Assets per employee ($millions) | 5.0801% | 2,111 |
| Cash dividends to net income (ytd only)* | 170.4545% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,537 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 3,293 |
| Noncurrent loans to loans | 2.1064% | 3,507 |
| Net loans and leases to total assets | 51.9500% | 6,425 |
| Net loans and leases to deposits | 57.4082% | 6,817 |
| Net loans and leases to core deposits | 65.6723% | 7,001 |
| Total domestic deposits to total assets | 90.4924% | 743 |
| Equity capital to assets | 8.3463% | 6,130 |
| Core capital (leverage) ratio | 7.7258% | 6,530 |
| Tier 1 risk-based capital ratio | 11.9352% | 5,002 |
| Total risk-based capital ratio | 12.9015% | 5,202 |
| Memoranda: | ||
| Average total assets | $40,898,400 | 7,058 |
| Average earning assets | $36,402,600 | 7,079 |
| Average equity | $3,366,400 | 7,484 |
| Average total loans | $21,116,800 | 7,131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 4,537 |
| Cost of funding earning assets | 2.1905% | 2,452 |
| Net interest margin | 3.2858% | 5,698 |
| Noninterest income to average assets | 0.1790% | 6,941 |
| Noninterest expense to average assets | 2.5876% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4720% | 4,112 |
| Return on assets (ROA) | 0.4720% | 4,213 |
| Pretax return on assets | 0.4915% | 4,545 |
| Return on Equity (ROE) | 5.7539% | 3,625 |
| Retained earnings to average equity (ytd only) | 0.7938% | 4,846 |
| Net charge-offs to loans | 0.0190% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 50.3325% | 629 |
| Efficiency ratio | 84.0381% | 2,292 |
| Assets per employee ($millions) | 5.7361% | 1,398 |
| Cash dividends to net income (ytd only)* | 86.2049% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,614 |
| Loan loss allowance to noncurrent loans | 312.5000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 1.6014% | 3,949 |
| Noncurrent loans to loans | 0.3575% | 6,639 |
| Net loans and leases to total assets | 55.1117% | 6,254 |
| Net loans and leases to deposits | 61.2432% | 6,734 |
| Net loans and leases to core deposits | 70.6252% | 6,931 |
| Total domestic deposits to total assets | 89.9883% | 771 |
| Equity capital to assets | 8.7914% | 5,815 |
| Core capital (leverage) ratio | 7.5247% | 6,941 |
| Tier 1 risk-based capital ratio | 11.9704% | 5,004 |
| Total risk-based capital ratio | 12.9144% | 5,223 |
| Memoranda: | ||
| Average total assets | $40,962,750 | 7,103 |
| Average earning assets | $36,154,500 | 7,157 |
| Average equity | $3,360,000 | 7,553 |
| Average total loans | $21,055,250 | 7,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 4,483 |
| Cost of funding earning assets | 2.3452% | 2,183 |
| Net interest margin | 3.1792% | 5,983 |
| Noninterest income to average assets | 0.1552% | 7,158 |
| Noninterest expense to average assets | 2.7357% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1698% | 5,352 |
| Return on assets (ROA) | 0.1698% | 5,460 |
| Pretax return on assets | 0.1746% | 5,531 |
| Return on Equity (ROE) | 2.1191% | 5,253 |
| Retained earnings to average equity (ytd only) | -3.9354% | 6,129 |
| Net charge-offs to loans | 0.0388% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,188 |
| Efficiency ratio | 94.0000% | 1,494 |
| Assets per employee ($millions) | 6.0250% | 1,202 |
| Cash dividends to net income (ytd only)* | 285.7143% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,975 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 3,714 |
| Noncurrent loans to loans | 0.3988% | 6,512 |
| Net loans and leases to total assets | 48.7516% | 6,973 |
| Net loans and leases to deposits | 53.5554% | 7,306 |
| Net loans and leases to core deposits | 61.1771% | 7,406 |
| Total domestic deposits to total assets | 91.0302% | 445 |
| Equity capital to assets | 7.8056% | 6,971 |
| Core capital (leverage) ratio | 7.2026% | 7,355 |
| Tier 1 risk-based capital ratio | 12.4415% | 4,565 |
| Total risk-based capital ratio | 13.4457% | 4,668 |
| Memoranda: | ||
| Average total assets | $41,232,670 | 7,161 |
| Average earning assets | $35,732,000 | 7,233 |
| Average equity | $3,303,330 | 7,632 |
| Average total loans | $20,614,000 | 7,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6296% | 4,178 |
| Cost of funding earning assets | 2.5568% | 1,718 |
| Net interest margin | 3.0728% | 6,279 |
| Noninterest income to average assets | 0.1865% | 6,959 |
| Noninterest expense to average assets | 3.1697% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4122% | 6,793 |
| Return on assets (ROA) | -0.4122% | 6,863 |
| Pretax return on assets | -0.4122% | 6,750 |
| Return on Equity (ROE) | -5.0771% | 6,983 |
| Retained earnings to average equity (ytd only) | -14.1432% | 7,387 |
| Net charge-offs to loans | 0.0780% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 5,623 |
| Efficiency ratio | 114.9466% | 715 |
| Assets per employee ($millions) | 5.1579% | 1,881 |
| Cash dividends to net income (ytd only)* | -178.5714% | 8,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,471 |
| Loan loss allowance to noncurrent loans | 76.3804% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 2,473 |
| Noncurrent loans to loans | 1.6322% | 3,826 |
| Net loans and leases to total assets | 47.8007% | 7,043 |
| Net loans and leases to deposits | 52.5637% | 7,363 |
| Net loans and leases to core deposits | 60.9631% | 7,421 |
| Total domestic deposits to total assets | 90.9386% | 434 |
| Equity capital to assets | 7.9539% | 6,879 |
| Core capital (leverage) ratio | 7.3390% | 7,334 |
| Tier 1 risk-based capital ratio | 12.2699% | 4,732 |
| Total risk-based capital ratio | 13.2772% | 4,827 |
| Memoranda: | ||
| Average total assets | $40,761,500 | 7,217 |
| Average earning assets | $34,105,500 | 7,349 |
| Average equity | $3,309,000 | 7,683 |
| Average total loans | $20,516,000 | 7,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 5,008 |
| Cost of funding earning assets | 2.7145% | 3,096 |
| Net interest margin | 3.3917% | 5,691 |
| Noninterest income to average assets | 0.2683% | 6,539 |
| Noninterest expense to average assets | 2.3562% | 6,550 |
| Loan and lease loss provision to assets | 0.0930% | 6,202 |
| Net operating income to assets | 0.8933% | 3,031 |
| Return on assets (ROA) | 0.9111% | 2,805 |
| Pretax return on assets | 0.9510% | 3,551 |
| Return on Equity (ROE) | 10.7349% | 1,987 |
| Retained earnings to average equity (ytd only) | 6.2281% | 1,414 |
| Net charge-offs to loans | 0.4754% | 2,458 |
| Credit loss provision to net charge-offs | 36.0825% | 6,482 |
| Earnings coverage of net charge-offs (x) | 3.9794% | 4,157 |
| Efficiency ratio | 69.6779% | 4,409 |
| Assets per employee ($millions) | 5.7514% | 1,292 |
| Cash dividends to net income (ytd only)* | 41.9825% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 4,523 |
| Loan loss allowance to noncurrent loans | 236.4486% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0020% | 2,462 |
| Noncurrent loans to loans | 0.5081% | 5,829 |
| Net loans and leases to total assets | 51.6791% | 6,873 |
| Net loans and leases to deposits | 57.1782% | 7,251 |
| Net loans and leases to core deposits | 65.6030% | 7,375 |
| Total domestic deposits to total assets | 90.3825% | 527 |
| Equity capital to assets | 8.2861% | 6,439 |
| Core capital (leverage) ratio | 8.0165% | 6,460 |
| Tier 1 risk-based capital ratio | 12.3646% | 4,537 |
| Total risk-based capital ratio | 13.3577% | 4,619 |
| Memoranda: | ||
| Average total assets | $37,645,400 | 7,323 |
| Average earning assets | $34,555,400 | 7,301 |
| Average equity | $3,195,200 | 7,775 |
| Average total loans | $20,406,000 | 7,305 |