Home > Farmers State Bank of Trimont > Performance and Condition Ratios
Farmers State Bank of Trimont, 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 | 5.0724% | 1,917 |
| Cost of funding earning assets | 1.4940% | 1,962 |
| Net interest margin | 3.5784% | 2,009 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.2334% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1343% | 1,819 |
| Return on assets (ROA) | 1.1343% | 1,802 |
| Pretax return on assets | 1.4709% | 1,487 |
| Return on Equity (ROE) | 9.6800% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.8218% | 2,314 |
| Net charge-offs to loans | -0.0043% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.2916% | 3,047 |
| Assets per employee ($millions) | 7.6243% | 1,643 |
| Cash dividends to net income (ytd only)* | 39.8671% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,496 |
| Loan loss allowance to noncurrent loans | 2,731.8182% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,514 |
| Noncurrent loans to loans | 0.0425% | 3,419 |
| Net loans and leases to total assets | 60.9800% | 2,756 |
| Net loans and leases to deposits | 77.7453% | 2,293 |
| Net loans and leases to core deposits | 94.0631% | 1,769 |
| Total domestic deposits to total assets | 78.4400% | 3,678 |
| Equity capital to assets | 11.7484% | 1,213 |
| Core capital (leverage) ratio | 15.3081% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9957% | 540 |
| Memoranda: | ||
| Average total assets | $79,610,000 | 4,016 |
| Average earning assets | $73,693,000 | 3,994 |
| Average equity | $9,327,000 | 3,789 |
| Average total loans | $46,354,600 | 3,895 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9405% | 1,971 |
| Cost of funding earning assets | 1.3332% | 2,050 |
| Net interest margin | 3.6072% | 1,991 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.9945% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3868% | 1,351 |
| Return on assets (ROA) | 1.3868% | 1,335 |
| Pretax return on assets | 1.7671% | 1,049 |
| Return on Equity (ROE) | 11.8500% | 2,163 |
| Retained earnings to average equity (ytd only) | 11.8461% | 997 |
| Net charge-offs to loans | -0.0207% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.0235% | 3,671 |
| Assets per employee ($millions) | 7.9067% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,457 |
| Loan loss allowance to noncurrent loans | 1,874.2857% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,363 |
| Noncurrent loans to loans | 0.0745% | 3,224 |
| Net loans and leases to total assets | 58.5500% | 2,981 |
| Net loans and leases to deposits | 67.3730% | 3,021 |
| Net loans and leases to core deposits | 81.3546% | 2,510 |
| Total domestic deposits to total assets | 86.9000% | 1,918 |
| Equity capital to assets | 11.3954% | 1,214 |
| Core capital (leverage) ratio | 15.8720% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6120% | 454 |
| Memoranda: | ||
| Average total assets | $78,545,750 | 4,045 |
| Average earning assets | $72,704,000 | 4,023 |
| Average equity | $9,195,500 | 3,801 |
| Average total loans | $45,007,000 | 3,924 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 2,128 |
| Cost of funding earning assets | 1.1578% | 2,112 |
| Net interest margin | 3.5837% | 2,075 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.0109% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3934% | 1,353 |
| Return on assets (ROA) | 1.3934% | 1,328 |
| Pretax return on assets | 1.7481% | 1,119 |
| Return on Equity (ROE) | 11.8000% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.7961% | 1,027 |
| Net charge-offs to loans | -0.0225% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.4963% | 3,653 |
| Assets per employee ($millions) | 8.5760% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 1,244 |
| Loan loss allowance to noncurrent loans | 2,043.7500% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,361 |
| Noncurrent loans to loans | 0.0724% | 3,183 |
| Net loans and leases to total assets | 56.4500% | 3,090 |
| Net loans and leases to deposits | 65.4893% | 3,092 |
| Net loans and leases to core deposits | 77.7280% | 2,636 |
| Total domestic deposits to total assets | 86.2000% | 2,170 |
| Equity capital to assets | 12.2629% | 982 |
| Core capital (leverage) ratio | 15.8217% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2470% | 381 |
| Memoranda: | ||
| Average total assets | $78,372,000 | 4,064 |
| Average earning assets | $72,550,667 | 4,046 |
| Average equity | $9,257,333 | 3,819 |
| Average total loans | $44,359,333 | 3,948 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,077 |
| Cost of funding earning assets | 0.9919% | 2,075 |
| Net interest margin | 3.6115% | 2,102 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2389% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3069% | 1,650 |
| Return on assets (ROA) | 1.3069% | 1,619 |
| Pretax return on assets | 1.6007% | 1,457 |
| Return on Equity (ROE) | 11.2700% | 2,418 |
| Retained earnings to average equity (ytd only) | 11.2744% | 1,407 |
| Net charge-offs to loans | -0.0270% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3113% | 3,163 |
| Assets per employee ($millions) | 7.5754% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,862.8571% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,324 |
| Noncurrent loans to loans | 0.0835% | 3,145 |
| Net loans and leases to total assets | 54.4500% | 3,161 |
| Net loans and leases to deposits | 63.2941% | 3,144 |
| Net loans and leases to core deposits | 71.7254% | 2,839 |
| Total domestic deposits to total assets | 86.0300% | 2,579 |
| Equity capital to assets | 12.4719% | 883 |
| Core capital (leverage) ratio | 16.2394% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4556% | 378 |
| Memoranda: | ||
| Average total assets | $78,966,000 | 4,115 |
| Average earning assets | $72,988,500 | 4,096 |
| Average equity | $9,153,500 | 3,876 |
| Average total loans | $44,426,000 | 3,990 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 2,236 |
| Cost of funding earning assets | 0.4215% | 1,926 |
| Net interest margin | 3.3925% | 2,282 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.2576% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2187% | 1,704 |
| Return on assets (ROA) | 1.2187% | 1,649 |
| Pretax return on assets | 1.5850% | 1,201 |
| Return on Equity (ROE) | 9.7300% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.6113% | 2,404 |
| Net charge-offs to loans | -0.0154% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7522% | 3,226 |
| Assets per employee ($millions) | 8.2178% | 1,225 |
| Cash dividends to net income (ytd only)* | 32.0219% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,561 |
| Loan loss allowance to noncurrent loans | 2,237.9310% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,450 |
| Noncurrent loans to loans | 0.0618% | 3,306 |
| Net loans and leases to total assets | 56.3400% | 2,993 |
| Net loans and leases to deposits | 72.1964% | 2,391 |
| Net loans and leases to core deposits | 85.1842% | 1,808 |
| Total domestic deposits to total assets | 78.0400% | 4,087 |
| Equity capital to assets | 10.7803% | 1,341 |
| Core capital (leverage) ratio | 16.3270% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6489% | 501 |
| Memoranda: | ||
| Average total assets | $75,079,600 | 4,186 |
| Average earning assets | $69,270,800 | 4,166 |
| Average equity | $9,408,200 | 3,944 |
| Average total loans | $38,970,000 | 4,083 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 2,059 |
| Cost of funding earning assets | 0.2756% | 2,428 |
| Net interest margin | 3.4199% | 1,918 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.5045% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1786% | 1,780 |
| Return on assets (ROA) | 1.1786% | 1,752 |
| Pretax return on assets | 1.5133% | 1,380 |
| Return on Equity (ROE) | 9.0500% | 3,016 |
| Retained earnings to average equity (ytd only) | 9.0512% | 1,632 |
| Net charge-offs to loans | -0.0108% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.3359% | 2,790 |
| Assets per employee ($millions) | 7.3069% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 916 |
| Loan loss allowance to noncurrent loans | 1,794.4444% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,401 |
| Noncurrent loans to loans | 0.0932% | 3,213 |
| Net loans and leases to total assets | 51.9700% | 3,278 |
| Net loans and leases to deposits | 62.6990% | 2,968 |
| Net loans and leases to core deposits | 65.6859% | 2,970 |
| Total domestic deposits to total assets | 82.8900% | 3,708 |
| Equity capital to assets | 11.3495% | 1,056 |
| Core capital (leverage) ratio | 16.5445% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4663% | 330 |
| Memoranda: | ||
| Average total assets | $73,305,000 | 4,233 |
| Average earning assets | $67,720,500 | 4,211 |
| Average equity | $9,545,500 | 3,973 |
| Average total loans | $36,975,000 | 4,140 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5080% | 2,117 |
| Cost of funding earning assets | 0.2655% | 2,080 |
| Net interest margin | 3.2425% | 2,073 |
| Noninterest income to average assets | 1.0929% | 559 |
| Noninterest expense to average assets | 2.3820% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3245% | 1,078 |
| Return on assets (ROA) | 1.3245% | 1,058 |
| Pretax return on assets | 1.7061% | 742 |
| Return on Equity (ROE) | 9.7561% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.7561% | 1,083 |
| Net charge-offs to loans | -0.0165% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2667% | 3,522 |
| Assets per employee ($millions) | 7.1614% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 838 |
| Loan loss allowance to noncurrent loans | 1,656.4103% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,438 |
| Noncurrent loans to loans | 0.1075% | 3,213 |
| Net loans and leases to total assets | 49.7500% | 3,397 |
| Net loans and leases to deposits | 58.0857% | 3,218 |
| Net loans and leases to core deposits | 62.4111% | 3,082 |
| Total domestic deposits to total assets | 85.6495% | 3,341 |
| Equity capital to assets | 12.7112% | 721 |
| Core capital (leverage) ratio | 16.7162% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9182% | 293 |
| Memoranda: | ||
| Average total assets | $73,383,667 | 4,279 |
| Average earning assets | $67,788,000 | 4,268 |
| Average equity | $9,963,000 | 3,994 |
| Average total loans | $36,427,000 | 4,205 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3744% | 2,165 |
| Cost of funding earning assets | 0.2600% | 2,043 |
| Net interest margin | 3.1143% | 2,125 |
| Noninterest income to average assets | 0.4039% | 2,663 |
| Noninterest expense to average assets | 2.1920% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8941% | 2,295 |
| Return on assets (ROA) | 0.8941% | 2,298 |
| Pretax return on assets | 1.1149% | 2,092 |
| Return on Equity (ROE) | 6.3889% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.3889% | 2,114 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2866% | 2,732 |
| Assets per employee ($millions) | 7.1600% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 830 |
| Loan loss allowance to noncurrent loans | 2,217.2414% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,624 |
| Noncurrent loans to loans | 0.0827% | 3,426 |
| Net loans and leases to total assets | 48.0978% | 3,377 |
| Net loans and leases to deposits | 56.6564% | 3,201 |
| Net loans and leases to core deposits | 61.7202% | 2,994 |
| Total domestic deposits to total assets | 84.8939% | 3,564 |
| Equity capital to assets | 13.4846% | 609 |
| Core capital (leverage) ratio | 14.8271% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3163% | 284 |
| Memoranda: | ||
| Average total assets | $74,268,500 | 4,293 |
| Average earning assets | $69,228,000 | 4,278 |
| Average equity | $10,393,000 | 4,015 |
| Average total loans | $36,503,500 | 4,219 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3365% | 3,093 |
| Cost of funding earning assets | 0.2977% | 2,429 |
| Net interest margin | 3.0388% | 3,078 |
| Noninterest income to average assets | 0.7885% | 1,475 |
| Noninterest expense to average assets | 2.0833% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1500% | 2,109 |
| Return on assets (ROA) | 1.1620% | 2,112 |
| Pretax return on assets | 1.5023% | 1,718 |
| Return on Equity (ROE) | 7.5818% | 3,355 |
| Retained earnings to average equity (ytd only) | 4.7386% | 2,896 |
| Net charge-offs to loans | -0.0975% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3495% | 3,385 |
| Assets per employee ($millions) | 8.5486% | 1,067 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,053 |
| Loan loss allowance to noncurrent loans | 2,217.2414% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,754 |
| Noncurrent loans to loans | 0.0765% | 3,548 |
| Net loans and leases to total assets | 48.4591% | 3,456 |
| Net loans and leases to deposits | 59.2556% | 3,146 |
| Net loans and leases to core deposits | 64.3543% | 2,948 |
| Total domestic deposits to total assets | 81.7799% | 3,996 |
| Equity capital to assets | 14.4677% | 584 |
| Core capital (leverage) ratio | 14.6861% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3340% | 382 |
| Memoranda: | ||
| Average total assets | $72,288,200 | 4,312 |
| Average earning assets | $66,177,600 | 4,311 |
| Average equity | $11,079,200 | 4,027 |
| Average total loans | $32,804,400 | 4,318 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 3,179 |
| Cost of funding earning assets | 0.3138% | 2,466 |
| Net interest margin | 3.0621% | 3,146 |
| Noninterest income to average assets | 0.8698% | 1,325 |
| Noninterest expense to average assets | 2.0883% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2190% | 2,104 |
| Return on assets (ROA) | 1.2353% | 2,103 |
| Pretax return on assets | 1.5821% | 1,761 |
| Return on Equity (ROE) | 7.9399% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.9399% | 2,071 |
| Net charge-offs to loans | -0.1438% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2162% | 3,391 |
| Assets per employee ($millions) | 7.2562% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 652 |
| Loan loss allowance to noncurrent loans | 2,080.6452% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,690 |
| Noncurrent loans to loans | 0.0955% | 3,601 |
| Net loans and leases to total assets | 43.8425% | 3,962 |
| Net loans and leases to deposits | 54.3663% | 3,705 |
| Net loans and leases to core deposits | 59.1265% | 3,536 |
| Total domestic deposits to total assets | 80.6428% | 4,139 |
| Equity capital to assets | 15.6638% | 453 |
| Core capital (leverage) ratio | 15.6123% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1126% | 299 |
| Memoranda: | ||
| Average total assets | $71,126,000 | 4,382 |
| Average earning assets | $64,573,500 | 4,383 |
| Average equity | $11,066,250 | 4,079 |
| Average total loans | $31,524,000 | 4,412 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 3,309 |
| Cost of funding earning assets | 0.3385% | 2,419 |
| Net interest margin | 3.0116% | 3,290 |
| Noninterest income to average assets | 0.7502% | 1,672 |
| Noninterest expense to average assets | 2.1742% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0163% | 2,839 |
| Return on assets (ROA) | 1.0163% | 2,916 |
| Pretax return on assets | 1.2711% | 2,705 |
| Return on Equity (ROE) | 6.5473% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.5473% | 2,604 |
| Net charge-offs to loans | -0.1282% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1060% | 2,552 |
| Assets per employee ($millions) | 7.0195% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 538 |
| Loan loss allowance to noncurrent loans | 956.0606% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 3,276 |
| Noncurrent loans to loans | 0.2158% | 3,186 |
| Net loans and leases to total assets | 42.6626% | 4,133 |
| Net loans and leases to deposits | 52.2216% | 3,979 |
| Net loans and leases to core deposits | 56.8934% | 3,838 |
| Total domestic deposits to total assets | 81.6953% | 3,977 |
| Equity capital to assets | 15.8516% | 426 |
| Core capital (leverage) ratio | 15.1054% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2824% | 289 |
| Memoranda: | ||
| Average total assets | $70,647,333 | 4,416 |
| Average earning assets | $63,221,667 | 4,431 |
| Average equity | $10,966,333 | 4,101 |
| Average total loans | $31,212,667 | 4,450 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 3,197 |
| Cost of funding earning assets | 0.3769% | 2,297 |
| Net interest margin | 3.0215% | 3,205 |
| Noninterest income to average assets | 0.3725% | 3,232 |
| Noninterest expense to average assets | 2.0713% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7676% | 3,524 |
| Return on assets (ROA) | 0.7676% | 3,595 |
| Pretax return on assets | 0.9256% | 3,550 |
| Return on Equity (ROE) | 4.9972% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.9972% | 3,222 |
| Net charge-offs to loans | -0.2284% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1149% | 1,803 |
| Assets per employee ($millions) | 7.3368% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 492 |
| Loan loss allowance to noncurrent loans | 861.6438% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 3,427 |
| Noncurrent loans to loans | 0.2448% | 3,219 |
| Net loans and leases to total assets | 39.7953% | 4,359 |
| Net loans and leases to deposits | 47.5924% | 4,277 |
| Net loans and leases to core deposits | 55.1720% | 4,033 |
| Total domestic deposits to total assets | 83.6168% | 3,539 |
| Equity capital to assets | 14.6794% | 547 |
| Core capital (leverage) ratio | 14.8167% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8100% | 363 |
| Memoranda: | ||
| Average total assets | $70,873,500 | 4,424 |
| Average earning assets | $61,559,500 | 4,468 |
| Average equity | $10,886,000 | 4,119 |
| Average total loans | $31,530,000 | 4,463 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 2,496 |
| Cost of funding earning assets | 0.5463% | 2,631 |
| Net interest margin | 3.5277% | 2,382 |
| Noninterest income to average assets | 0.4662% | 2,788 |
| Noninterest expense to average assets | 2.1579% | 3,792 |
| Loan and lease loss provision to assets | 0.0468% | 3,812 |
| Net operating income to assets | 1.1086% | 1,895 |
| Return on assets (ROA) | 1.1086% | 2,014 |
| Pretax return on assets | 1.4532% | 1,500 |
| Return on Equity (ROE) | 6.6027% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.6774% | 2,995 |
| Net charge-offs to loans | -0.2702% | 4,917 |
| Credit loss provision to net charge-offs | -32.2581% | 3,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9940% | 3,590 |
| Assets per employee ($millions) | 6.8379% | 1,681 |
| Cash dividends to net income (ytd only)* | 44.3038% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 800 |
| Loan loss allowance to noncurrent loans | 526.7241% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,175 |
| Noncurrent loans to loans | 0.3490% | 2,949 |
| Net loans and leases to total assets | 47.7091% | 3,995 |
| Net loans and leases to deposits | 57.9419% | 3,893 |
| Net loans and leases to core deposits | 67.1587% | 3,471 |
| Total domestic deposits to total assets | 82.3396% | 3,582 |
| Equity capital to assets | 16.0897% | 420 |
| Core capital (leverage) ratio | 16.0034% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2650% | 423 |
| Memoranda: | ||
| Average total assets | $64,135,800 | 4,458 |
| Average earning assets | $58,027,200 | 4,468 |
| Average equity | $10,768,400 | 4,112 |
| Average total loans | $34,423,400 | 4,423 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,601 |
| Cost of funding earning assets | 0.5943% | 2,650 |
| Net interest margin | 3.5310% | 2,481 |
| Noninterest income to average assets | 0.5052% | 2,600 |
| Noninterest expense to average assets | 2.1075% | 3,927 |
| Loan and lease loss provision to assets | 0.0634% | 3,547 |
| Net operating income to assets | 1.2091% | 1,614 |
| Return on assets (ROA) | 1.2091% | 1,737 |
| Pretax return on assets | 1.5621% | 1,296 |
| Return on Equity (ROE) | 7.1209% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.1209% | 1,637 |
| Net charge-offs to loans | -0.0192% | 4,406 |
| Credit loss provision to net charge-offs | -600.0000% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4553% | 3,868 |
| Assets per employee ($millions) | 6.4725% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,618 |
| Loan loss allowance to noncurrent loans | 86.7330% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 917 |
| Noncurrent loans to loans | 1.6464% | 845 |
| Net loans and leases to total assets | 55.7791% | 3,644 |
| Net loans and leases to deposits | 68.6721% | 3,416 |
| Net loans and leases to core deposits | 80.4990% | 2,803 |
| Total domestic deposits to total assets | 81.2252% | 3,605 |
| Equity capital to assets | 17.2267% | 354 |
| Core capital (leverage) ratio | 16.8849% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3364% | 554 |
| Memoranda: | ||
| Average total assets | $63,075,000 | 4,481 |
| Average earning assets | $57,659,000 | 4,488 |
| Average equity | $10,710,000 | 4,123 |
| Average total loans | $34,720,750 | 4,443 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,688 |
| Cost of funding earning assets | 0.6813% | 2,492 |
| Net interest margin | 3.5402% | 2,673 |
| Noninterest income to average assets | 0.3998% | 3,078 |
| Noninterest expense to average assets | 2.0632% | 4,107 |
| Loan and lease loss provision to assets | 0.0960% | 3,072 |
| Net operating income to assets | 1.1451% | 1,820 |
| Return on assets (ROA) | 1.1451% | 1,951 |
| Pretax return on assets | 1.4650% | 1,543 |
| Return on Equity (ROE) | 6.7782% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.7782% | 1,750 |
| Net charge-offs to loans | -0.0176% | 4,370 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9285% | 3,831 |
| Assets per employee ($millions) | 6.4874% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,374 |
| Loan loss allowance to noncurrent loans | 48.1961% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.0686% | 329 |
| Noncurrent loans to loans | 3.0340% | 315 |
| Net loans and leases to total assets | 54.1172% | 3,866 |
| Net loans and leases to deposits | 66.2465% | 3,698 |
| Net loans and leases to core deposits | 78.4011% | 3,077 |
| Total domestic deposits to total assets | 81.6907% | 3,448 |
| Equity capital to assets | 16.7926% | 392 |
| Core capital (leverage) ratio | 16.6016% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9371% | 587 |
| Memoranda: | ||
| Average total assets | $62,525,000 | 4,502 |
| Average earning assets | $56,946,000 | 4,512 |
| Average equity | $10,563,333 | 4,157 |
| Average total loans | $34,085,667 | 4,478 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 3,244 |
| Cost of funding earning assets | 0.8093% | 2,326 |
| Net interest margin | 3.3817% | 3,355 |
| Noninterest income to average assets | 0.3977% | 3,122 |
| Noninterest expense to average assets | 2.2820% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9519% | 2,342 |
| Return on assets (ROA) | 0.9519% | 2,444 |
| Pretax return on assets | 1.1671% | 2,313 |
| Return on Equity (ROE) | 5.6165% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.6165% | 2,026 |
| Net charge-offs to loans | -0.1321% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1626% | 2,940 |
| Assets per employee ($millions) | 6.2046% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,391 |
| Loan loss allowance to noncurrent loans | 154.9689% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 449 |
| Noncurrent loans to loans | 0.9577% | 1,713 |
| Net loans and leases to total assets | 53.3846% | 4,032 |
| Net loans and leases to deposits | 65.7946% | 3,878 |
| Net loans and leases to core deposits | 75.5129% | 3,527 |
| Total domestic deposits to total assets | 81.1382% | 3,633 |
| Equity capital to assets | 17.0180% | 441 |
| Core capital (leverage) ratio | 16.5628% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3675% | 423 |
| Memoranda: | ||
| Average total assets | $61,350,500 | 4,539 |
| Average earning assets | $55,357,500 | 4,555 |
| Average equity | $10,398,000 | 4,194 |
| Average total loans | $33,314,000 | 4,526 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 2,718 |
| Cost of funding earning assets | 0.9876% | 1,776 |
| Net interest margin | 3.5809% | 3,198 |
| Noninterest income to average assets | 0.8902% | 1,193 |
| Noninterest expense to average assets | 2.2149% | 4,136 |
| Loan and lease loss provision to assets | 0.1627% | 1,281 |
| Net operating income to assets | 1.2498% | 1,871 |
| Return on assets (ROA) | 1.2498% | 1,959 |
| Pretax return on assets | 1.6046% | 1,478 |
| Return on Equity (ROE) | 7.6494% | 3,305 |
| Retained earnings to average equity (ytd only) | 4.5120% | 2,700 |
| Net charge-offs to loans | 0.3651% | 546 |
| Credit loss provision to net charge-offs | 84.0336% | 2,745 |
| Earnings coverage of net charge-offs (x) | 9.1261% | 2,699 |
| Efficiency ratio | 55.6191% | 4,250 |
| Assets per employee ($millions) | 6.0655% | 1,591 |
| Cash dividends to net income (ytd only)* | 41.0156% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,287 |
| Loan loss allowance to noncurrent loans | 171.8310% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.1532% | 352 |
| Noncurrent loans to loans | 0.8604% | 1,789 |
| Net loans and leases to total assets | 53.6114% | 4,103 |
| Net loans and leases to deposits | 65.8033% | 3,964 |
| Net loans and leases to core deposits | 78.4322% | 3,422 |
| Total domestic deposits to total assets | 81.4723% | 3,658 |
| Equity capital to assets | 16.8774% | 484 |
| Core capital (leverage) ratio | 16.3041% | 484 |
| Tier 1 risk-based capital ratio | 21.7439% | 1,056 |
| Total risk-based capital ratio | 22.7990% | 1,054 |
| Memoranda: | ||
| Average total assets | $61,448,600 | 4,575 |
| Average earning assets | $53,060,000 | 4,624 |
| Average equity | $10,040,000 | 4,236 |
| Average total loans | $32,596,400 | 4,590 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,034 |
| Cost of funding earning assets | 1.0002% | 1,761 |
| Net interest margin | 3.8292% | 2,505 |
| Noninterest income to average assets | 0.9495% | 1,041 |
| Noninterest expense to average assets | 2.3856% | 3,727 |
| Loan and lease loss provision to assets | 0.2163% | 799 |
| Net operating income to assets | 1.2241% | 2,111 |
| Return on assets (ROA) | 1.2241% | 2,186 |
| Pretax return on assets | 1.6264% | 1,538 |
| Return on Equity (ROE) | 7.5535% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.5535% | 1,596 |
| Net charge-offs to loans | 0.5334% | 314 |
| Credit loss provision to net charge-offs | 76.9231% | 2,542 |
| Earnings coverage of net charge-offs (x) | 6.5538% | 2,827 |
| Efficiency ratio | 56.4194% | 4,122 |
| Assets per employee ($millions) | 6.1509% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 1,116 |
| Loan loss allowance to noncurrent loans | 125.1969% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 7.8541% | 26 |
| Noncurrent loans to loans | 1.2391% | 1,256 |
| Net loans and leases to total assets | 49.2156% | 4,471 |
| Net loans and leases to deposits | 60.4425% | 4,360 |
| Net loans and leases to core deposits | 73.8468% | 3,839 |
| Total domestic deposits to total assets | 81.4255% | 3,632 |
| Equity capital to assets | 16.8577% | 498 |
| Core capital (leverage) ratio | 16.5279% | 500 |
| Tier 1 risk-based capital ratio | 21.7346% | 1,107 |
| Total risk-based capital ratio | 22.7543% | 1,107 |
| Memoranda: | ||
| Average total assets | $61,647,000 | 4,629 |
| Average earning assets | $52,786,500 | 4,694 |
| Average equity | $9,990,750 | 4,288 |
| Average total loans | $32,494,000 | 4,656 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 2,382 |
| Cost of funding earning assets | 0.9770% | 1,807 |
| Net interest margin | 3.7156% | 2,886 |
| Noninterest income to average assets | 0.9953% | 879 |
| Noninterest expense to average assets | 2.2109% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4524% | 1,287 |
| Return on assets (ROA) | 1.4524% | 1,340 |
| Pretax return on assets | 1.9775% | 708 |
| Return on Equity (ROE) | 9.0829% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.0829% | 1,011 |
| Net charge-offs to loans | -0.0302% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7864% | 4,585 |
| Assets per employee ($millions) | 6.1571% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 1,217 |
| Loan loss allowance to noncurrent loans | 115.0562% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 7.9583% | 27 |
| Noncurrent loans to loans | 1.3188% | 1,190 |
| Net loans and leases to total assets | 53.9735% | 4,211 |
| Net loans and leases to deposits | 66.0295% | 4,094 |
| Net loans and leases to core deposits | 80.5878% | 3,379 |
| Total domestic deposits to total assets | 81.7414% | 3,594 |
| Equity capital to assets | 16.6085% | 515 |
| Core capital (leverage) ratio | 15.9929% | 542 |
| Tier 1 risk-based capital ratio | 21.7793% | 1,081 |
| Total risk-based capital ratio | 22.8965% | 1,081 |
| Memoranda: | ||
| Average total assets | $61,693,000 | 4,662 |
| Average earning assets | $53,019,000 | 4,724 |
| Average equity | $9,864,670 | 4,319 |
| Average total loans | $33,075,670 | 4,673 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 2,997 |
| Cost of funding earning assets | 0.8805% | 2,092 |
| Net interest margin | 3.5823% | 3,316 |
| Noninterest income to average assets | 1.5869% | 349 |
| Noninterest expense to average assets | 2.1440% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8914% | 465 |
| Return on assets (ROA) | 1.8914% | 482 |
| Pretax return on assets | 2.5262% | 232 |
| Return on Equity (ROE) | 12.0611% | 1,511 |
| Retained earnings to average equity (ytd only) | 12.0611% | 601 |
| Net charge-offs to loans | -0.0977% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9085% | 5,036 |
| Assets per employee ($millions) | 6.2025% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,356 |
| Loan loss allowance to noncurrent loans | 59.9534% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 8.5675% | 22 |
| Noncurrent loans to loans | 2.4921% | 526 |
| Net loans and leases to total assets | 54.7424% | 4,154 |
| Net loans and leases to deposits | 68.4957% | 3,883 |
| Net loans and leases to core deposits | 76.2960% | 3,643 |
| Total domestic deposits to total assets | 79.9210% | 4,190 |
| Equity capital to assets | 16.0016% | 572 |
| Core capital (leverage) ratio | 15.9373% | 541 |
| Tier 1 risk-based capital ratio | 21.0438% | 1,160 |
| Total risk-based capital ratio | 22.1390% | 1,157 |
| Memoranda: | ||
| Average total assets | $61,754,000 | 4,711 |
| Average earning assets | $53,149,500 | 4,775 |
| Average equity | $9,684,000 | 4,374 |
| Average total loans | $32,741,500 | 4,735 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 3,451 |
| Cost of funding earning assets | 0.5709% | 2,917 |
| Net interest margin | 3.6265% | 3,293 |
| Noninterest income to average assets | 0.8339% | 1,356 |
| Noninterest expense to average assets | 2.4667% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2058% | 2,143 |
| Return on assets (ROA) | 1.1685% | 2,312 |
| Pretax return on assets | 1.4098% | 2,098 |
| Return on Equity (ROE) | 7.5336% | 3,645 |
| Retained earnings to average equity (ytd only) | 4.2927% | 3,184 |
| Net charge-offs to loans | -0.2612% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9032% | 3,363 |
| Assets per employee ($millions) | 6.1483% | 1,417 |
| Cash dividends to net income (ytd only)* | 43.0199% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 954 |
| Loan loss allowance to noncurrent loans | 76.1261% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 8.5276% | 23 |
| Noncurrent loans to loans | 2.1474% | 608 |
| Net loans and leases to total assets | 49.6186% | 4,548 |
| Net loans and leases to deposits | 62.7329% | 4,325 |
| Net loans and leases to core deposits | 69.9975% | 4,115 |
| Total domestic deposits to total assets | 79.0950% | 4,294 |
| Equity capital to assets | 15.3587% | 635 |
| Core capital (leverage) ratio | 15.8254% | 542 |
| Tier 1 risk-based capital ratio | 21.1552% | 1,136 |
| Total risk-based capital ratio | 22.2722% | 1,141 |
| Memoranda: | ||
| Average total assets | $60,079,400 | 4,761 |
| Average earning assets | $51,150,600 | 4,834 |
| Average equity | $9,318,200 | 4,418 |
| Average total loans | $29,091,200 | 4,840 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 3,520 |
| Cost of funding earning assets | 0.5220% | 3,044 |
| Net interest margin | 3.6121% | 3,325 |
| Noninterest income to average assets | 0.6474% | 2,085 |
| Noninterest expense to average assets | 2.5180% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0268% | 2,980 |
| Return on assets (ROA) | 1.0268% | 2,991 |
| Pretax return on assets | 1.2032% | 2,969 |
| Return on Equity (ROE) | 6.6041% | 4,076 |
| Retained earnings to average equity (ytd only) | 6.6041% | 2,333 |
| Net charge-offs to loans | -0.2936% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6665% | 2,600 |
| Assets per employee ($millions) | 6.4239% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 861 |
| Loan loss allowance to noncurrent loans | 68.8982% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 9.1343% | 25 |
| Noncurrent loans to loans | 2.4720% | 530 |
| Net loans and leases to total assets | 49.3142% | 4,643 |
| Net loans and leases to deposits | 62.6134% | 4,418 |
| Net loans and leases to core deposits | 66.2369% | 4,399 |
| Total domestic deposits to total assets | 78.7598% | 4,367 |
| Equity capital to assets | 16.2397% | 496 |
| Core capital (leverage) ratio | 16.6182% | 450 |
| Tier 1 risk-based capital ratio | 23.3192% | 911 |
| Total risk-based capital ratio | 24.5113% | 889 |
| Memoranda: | ||
| Average total assets | $59,728,500 | 4,822 |
| Average earning assets | $50,828,000 | 4,893 |
| Average equity | $9,287,000 | 4,461 |
| Average total loans | $28,610,500 | 4,907 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,421 |
| Cost of funding earning assets | 0.5223% | 2,814 |
| Net interest margin | 3.5861% | 3,367 |
| Noninterest income to average assets | 1.1527% | 730 |
| Noninterest expense to average assets | 2.7414% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2815% | 1,850 |
| Return on assets (ROA) | 1.2815% | 1,855 |
| Pretax return on assets | 1.4500% | 1,989 |
| Return on Equity (ROE) | 8.2747% | 3,374 |
| Retained earnings to average equity (ytd only) | 8.2747% | 1,503 |
| Net charge-offs to loans | -0.5197% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4058% | 3,083 |
| Assets per employee ($millions) | 6.0281% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 809 |
| Loan loss allowance to noncurrent loans | 66.0995% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 9.4308% | 27 |
| Noncurrent loans to loans | 2.6636% | 464 |
| Net loans and leases to total assets | 46.7444% | 4,782 |
| Net loans and leases to deposits | 58.4545% | 4,614 |
| Net loans and leases to core deposits | 63.7021% | 4,507 |
| Total domestic deposits to total assets | 79.9672% | 4,245 |
| Equity capital to assets | 15.7711% | 542 |
| Core capital (leverage) ratio | 15.7994% | 533 |
| Tier 1 risk-based capital ratio | 22.3487% | 1,003 |
| Total risk-based capital ratio | 23.5216% | 991 |
| Memoranda: | ||
| Average total assets | $60,552,330 | 4,862 |
| Average earning assets | $51,309,330 | 4,942 |
| Average equity | $9,378,000 | 4,478 |
| Average total loans | $28,479,000 | 4,961 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,507 |
| Cost of funding earning assets | 0.5290% | 2,547 |
| Net interest margin | 3.5008% | 3,532 |
| Noninterest income to average assets | 0.6525% | 2,022 |
| Noninterest expense to average assets | 2.3267% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9953% | 2,873 |
| Return on assets (ROA) | 0.9953% | 2,896 |
| Pretax return on assets | 1.2919% | 2,397 |
| Return on Equity (ROE) | 6.4852% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.4852% | 2,512 |
| Net charge-offs to loans | -0.2396% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2987% | 3,432 |
| Assets per employee ($millions) | 5.5124% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,299 |
| Loan loss allowance to noncurrent loans | 68.0851% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 9.2074% | 23 |
| Noncurrent loans to loans | 2.2701% | 644 |
| Net loans and leases to total assets | 47.0628% | 4,752 |
| Net loans and leases to deposits | 56.8999% | 4,653 |
| Net loans and leases to core deposits | 64.9025% | 4,375 |
| Total domestic deposits to total assets | 82.7116% | 3,754 |
| Equity capital to assets | 15.3885% | 588 |
| Core capital (leverage) ratio | 15.6311% | 543 |
| Tier 1 risk-based capital ratio | 21.8723% | 1,070 |
| Total risk-based capital ratio | 22.9028% | 1,077 |
| Memoranda: | ||
| Average total assets | $60,688,000 | 4,911 |
| Average earning assets | $51,416,500 | 5,000 |
| Average equity | $9,313,500 | 4,533 |
| Average total loans | $28,377,000 | 5,010 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,121 |
| Cost of funding earning assets | 0.4581% | 2,697 |
| Net interest margin | 3.3191% | 4,100 |
| Noninterest income to average assets | 0.5104% | 2,933 |
| Noninterest expense to average assets | 1.9756% | 5,000 |
| Loan and lease loss provision to assets | 0.1652% | 1,335 |
| Net operating income to assets | 0.8646% | 2,893 |
| Return on assets (ROA) | 0.8424% | 3,013 |
| Pretax return on assets | 1.2571% | 2,521 |
| Return on Equity (ROE) | 5.5096% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.2470% | 3,972 |
| Net charge-offs to loans | 0.2810% | 929 |
| Credit loss provision to net charge-offs | 121.9512% | 2,143 |
| Earnings coverage of net charge-offs (x) | 10.7439% | 2,639 |
| Efficiency ratio | 57.5831% | 4,579 |
| Assets per employee ($millions) | 5.5218% | 1,908 |
| Cash dividends to net income (ytd only)* | 59.2157% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,269 |
| Loan loss allowance to noncurrent loans | 86.2000% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 8.9118% | 28 |
| Noncurrent loans to loans | 1.8006% | 890 |
| Net loans and leases to total assets | 45.0082% | 4,935 |
| Net loans and leases to deposits | 54.2614% | 4,878 |
| Net loans and leases to core deposits | 62.5498% | 4,628 |
| Total domestic deposits to total assets | 82.9470% | 3,581 |
| Equity capital to assets | 15.3046% | 625 |
| Core capital (leverage) ratio | 15.0459% | 611 |
| Tier 1 risk-based capital ratio | 21.3193% | 1,093 |
| Total risk-based capital ratio | 22.3090% | 1,112 |
| Memoranda: | ||
| Average total assets | $60,538,400 | 4,953 |
| Average earning assets | $53,268,000 | 5,012 |
| Average equity | $9,256,600 | 4,571 |
| Average total loans | $29,183,800 | 5,044 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,067 |
| Cost of funding earning assets | 0.4286% | 2,895 |
| Net interest margin | 3.3519% | 4,008 |
| Noninterest income to average assets | 0.4453% | 3,371 |
| Noninterest expense to average assets | 2.3872% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7274% | 3,832 |
| Return on assets (ROA) | 0.7428% | 3,836 |
| Pretax return on assets | 1.0624% | 3,451 |
| Return on Equity (ROE) | 4.8592% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,980 |
| Net charge-offs to loans | -0.1490% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6463% | 2,592 |
| Assets per employee ($millions) | 5.2197% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 1,262 |
| Loan loss allowance to noncurrent loans | 675.7576% | 818 |
| Noncurrent assets plus other real estate owned to assets | 7.4606% | 43 |
| Noncurrent loans to loans | 0.2354% | 4,119 |
| Net loans and leases to total assets | 44.0545% | 5,021 |
| Net loans and leases to deposits | 52.8742% | 5,010 |
| Net loans and leases to core deposits | 62.6794% | 4,667 |
| Total domestic deposits to total assets | 83.3195% | 3,353 |
| Equity capital to assets | 15.1319% | 708 |
| Core capital (leverage) ratio | 15.0537% | 655 |
| Tier 1 risk-based capital ratio | 21.6882% | 1,083 |
| Total risk-based capital ratio | 22.7158% | 1,101 |
| Memoranda: | ||
| Average total assets | $60,488,000 | 5,009 |
| Average earning assets | $53,818,500 | 5,051 |
| Average equity | $9,246,750 | 4,620 |
| Average total loans | $29,537,500 | 5,090 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7529% | 4,063 |
| Cost of funding earning assets | 0.3753% | 3,335 |
| Net interest margin | 3.3776% | 3,846 |
| Noninterest income to average assets | 0.3480% | 4,063 |
| Noninterest expense to average assets | 2.2987% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7565% | 3,603 |
| Return on assets (ROA) | 0.7796% | 3,541 |
| Pretax return on assets | 1.1243% | 3,072 |
| Return on Equity (ROE) | 5.0820% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.0820% | 2,657 |
| Net charge-offs to loans | -0.0333% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8184% | 3,044 |
| Assets per employee ($millions) | 5.2070% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 1,925 |
| Loan loss allowance to noncurrent loans | 140.2685% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 7.8500% | 45 |
| Noncurrent loans to loans | 1.0030% | 1,956 |
| Net loans and leases to total assets | 46.8824% | 4,890 |
| Net loans and leases to deposits | 56.7955% | 4,818 |
| Net loans and leases to core deposits | 66.2715% | 4,452 |
| Total domestic deposits to total assets | 82.5459% | 3,706 |
| Equity capital to assets | 15.0006% | 701 |
| Core capital (leverage) ratio | 15.8988% | 490 |
| Tier 1 risk-based capital ratio | 21.7686% | 1,079 |
| Total risk-based capital ratio | 22.7460% | 1,095 |
| Memoranda: | ||
| Average total assets | $59,772,000 | 5,059 |
| Average earning assets | $53,825,670 | 5,089 |
| Average equity | $9,169,670 | 4,657 |
| Average total loans | $30,036,670 | 5,112 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 4,633 |
| Cost of funding earning assets | 0.3382% | 3,660 |
| Net interest margin | 3.1836% | 4,397 |
| Noninterest income to average assets | 0.3492% | 4,049 |
| Noninterest expense to average assets | 2.6020% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5245% | 4,494 |
| Return on assets (ROA) | 0.5752% | 4,302 |
| Pretax return on assets | 0.7806% | 4,182 |
| Return on Equity (ROE) | 3.7053% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7053% | 3,591 |
| Net charge-offs to loans | -0.0397% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5124% | 1,566 |
| Assets per employee ($millions) | 5.3141% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 2,389 |
| Loan loss allowance to noncurrent loans | 29.0706% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.1511% | 303 |
| Noncurrent loans to loans | 4.5770% | 192 |
| Net loans and leases to total assets | 52.7739% | 4,448 |
| Net loans and leases to deposits | 65.5678% | 4,206 |
| Net loans and leases to core deposits | 69.6004% | 4,178 |
| Total domestic deposits to total assets | 80.4876% | 4,525 |
| Equity capital to assets | 15.6291% | 553 |
| Core capital (leverage) ratio | 15.9361% | 471 |
| Tier 1 risk-based capital ratio | 22.7264% | 1,009 |
| Total risk-based capital ratio | 23.7584% | 1,009 |
| Memoranda: | ||
| Average total assets | $58,416,000 | 5,144 |
| Average earning assets | $54,404,500 | 5,132 |
| Average equity | $9,068,000 | 4,704 |
| Average total loans | $30,199,000 | 5,150 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 4,829 |
| Cost of funding earning assets | 0.3444% | 3,589 |
| Net interest margin | 3.1345% | 4,631 |
| Noninterest income to average assets | 0.5747% | 2,789 |
| Noninterest expense to average assets | 1.9133% | 5,345 |
| Loan and lease loss provision to assets | 0.8233% | 140 |
| Net operating income to assets | 0.6376% | 4,056 |
| Return on assets (ROA) | 0.6570% | 4,087 |
| Pretax return on assets | 0.7838% | 4,233 |
| Return on Equity (ROE) | 4.4213% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.8257% | 3,887 |
| Net charge-offs to loans | 1.3472% | 115 |
| Credit loss provision to net charge-offs | 126.9036% | 2,104 |
| Earnings coverage of net charge-offs (x) | 2.4416% | 3,829 |
| Efficiency ratio | 54.7081% | 5,182 |
| Assets per employee ($millions) | 4.8648% | 2,555 |
| Cash dividends to net income (ytd only)* | 36.0902% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,009 |
| Loan loss allowance to noncurrent loans | 34.5896% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.7494% | 403 |
| Noncurrent loans to loans | 4.0984% | 245 |
| Net loans and leases to total assets | 49.1975% | 4,821 |
| Net loans and leases to deposits | 60.7150% | 4,629 |
| Net loans and leases to core deposits | 65.1454% | 4,568 |
| Total domestic deposits to total assets | 81.0302% | 4,323 |
| Equity capital to assets | 15.4170% | 580 |
| Core capital (leverage) ratio | 15.2935% | 562 |
| Tier 1 risk-based capital ratio | 23.6165% | 902 |
| Total risk-based capital ratio | 24.6910% | 912 |
| Memoranda: | ||
| Average total assets | $60,731,400 | 5,121 |
| Average earning assets | $56,628,000 | 5,116 |
| Average equity | $9,024,400 | 4,759 |
| Average total loans | $29,245,400 | 5,219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 4,906 |
| Cost of funding earning assets | 0.3447% | 3,598 |
| Net interest margin | 3.1166% | 4,729 |
| Noninterest income to average assets | 0.5371% | 2,998 |
| Noninterest expense to average assets | 1.8873% | 5,400 |
| Loan and lease loss provision to assets | 0.8697% | 120 |
| Net operating income to assets | 0.5749% | 4,394 |
| Return on assets (ROA) | 0.6001% | 4,408 |
| Pretax return on assets | 0.7197% | 4,555 |
| Return on Equity (ROE) | 4.0750% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,403 |
| Net charge-offs to loans | 0.9975% | 170 |
| Credit loss provision to net charge-offs | 182.6484% | 1,539 |
| Earnings coverage of net charge-offs (x) | 3.2740% | 3,444 |
| Efficiency ratio | 54.7634% | 5,178 |
| Assets per employee ($millions) | 5.0615% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 1,195 |
| Loan loss allowance to noncurrent loans | 30.5382% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.6310% | 503 |
| Noncurrent loans to loans | 5.6027% | 133 |
| Net loans and leases to total assets | 46.1556% | 5,088 |
| Net loans and leases to deposits | 55.1460% | 5,046 |
| Net loans and leases to core deposits | 61.1122% | 4,885 |
| Total domestic deposits to total assets | 83.6972% | 3,321 |
| Equity capital to assets | 15.1981% | 691 |
| Core capital (leverage) ratio | 15.0527% | 619 |
| Tier 1 risk-based capital ratio | 22.4398% | 1,070 |
| Total risk-based capital ratio | 23.6434% | 1,058 |
| Memoranda: | ||
| Average total assets | $61,320,000 | 5,157 |
| Average earning assets | $57,239,750 | 5,141 |
| Average equity | $9,030,500 | 4,800 |
| Average total loans | $29,273,500 | 5,266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,934 |
| Cost of funding earning assets | 0.3455% | 3,615 |
| Net interest margin | 3.1303% | 4,748 |
| Noninterest income to average assets | 0.5007% | 3,184 |
| Noninterest expense to average assets | 2.0516% | 5,166 |
| Loan and lease loss provision to assets | 1.3005% | 74 |
| Net operating income to assets | 0.0650% | 5,706 |
| Return on assets (ROA) | 0.1105% | 5,704 |
| Pretax return on assets | 0.1105% | 5,719 |
| Return on Equity (ROE) | 0.7586% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.7586% | 5,073 |
| Net charge-offs to loans | 1.4971% | 97 |
| Credit loss provision to net charge-offs | 180.9955% | 1,398 |
| Earnings coverage of net charge-offs (x) | 1.9005% | 3,353 |
| Efficiency ratio | 60.0381% | 4,634 |
| Assets per employee ($millions) | 5.1183% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 1,350 |
| Loan loss allowance to noncurrent loans | 30.4130% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.6018% | 513 |
| Noncurrent loans to loans | 5.4752% | 152 |
| Net loans and leases to total assets | 46.7282% | 5,081 |
| Net loans and leases to deposits | 55.4622% | 5,051 |
| Net loans and leases to core deposits | 63.3582% | 4,793 |
| Total domestic deposits to total assets | 84.2524% | 3,174 |
| Equity capital to assets | 14.7039% | 813 |
| Core capital (leverage) ratio | 14.6303% | 687 |
| Tier 1 risk-based capital ratio | 22.2178% | 1,111 |
| Total risk-based capital ratio | 23.4370% | 1,102 |
| Memoranda: | ||
| Average total assets | $61,514,000 | 5,210 |
| Average earning assets | $57,310,000 | 5,192 |
| Average equity | $8,963,670 | 4,851 |
| Average total loans | $29,524,000 | 5,311 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4589% | 4,985 |
| Cost of funding earning assets | 0.3473% | 3,627 |
| Net interest margin | 3.1116% | 4,828 |
| Noninterest income to average assets | 0.2924% | 4,629 |
| Noninterest expense to average assets | 2.2806% | 4,713 |
| Loan and lease loss provision to assets | 0.6498% | 167 |
| Net operating income to assets | 0.2729% | 5,373 |
| Return on assets (ROA) | 0.3639% | 5,180 |
| Pretax return on assets | 0.3639% | 5,373 |
| Return on Equity (ROE) | 2.5084% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.5084% | 4,250 |
| Net charge-offs to loans | 0.0674% | 1,812 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 1,214 |
| Efficiency ratio | 71.1968% | 2,917 |
| Assets per employee ($millions) | 5.0763% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,767 |
| Loan loss allowance to noncurrent loans | 22.1244% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.9828% | 422 |
| Noncurrent loans to loans | 6.0038% | 142 |
| Net loans and leases to total assets | 49.0224% | 4,885 |
| Net loans and leases to deposits | 60.5732% | 4,674 |
| Net loans and leases to core deposits | 65.4682% | 4,577 |
| Total domestic deposits to total assets | 80.9308% | 4,513 |
| Equity capital to assets | 14.7402% | 762 |
| Core capital (leverage) ratio | 14.5032% | 699 |
| Tier 1 risk-based capital ratio | 23.0169% | 1,009 |
| Total risk-based capital ratio | 24.0590% | 1,010 |
| Memoranda: | ||
| Average total assets | $61,561,500 | 5,254 |
| Average earning assets | $57,591,000 | 5,227 |
| Average equity | $8,930,000 | 4,876 |
| Average total loans | $29,693,000 | 5,349 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 5,308 |
| Cost of funding earning assets | 0.3199% | 4,033 |
| Net interest margin | 3.0007% | 5,135 |
| Noninterest income to average assets | 0.3329% | 4,521 |
| Noninterest expense to average assets | 1.9514% | 5,543 |
| Loan and lease loss provision to assets | 0.3884% | 362 |
| Net operating income to assets | 0.6531% | 4,021 |
| Return on assets (ROA) | 0.6531% | 4,121 |
| Pretax return on assets | 0.8037% | 4,170 |
| Return on Equity (ROE) | 4.7057% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.0610% | 3,880 |
| Net charge-offs to loans | 1.1327% | 158 |
| Credit loss provision to net charge-offs | 72.2714% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.2183% | 3,951 |
| Efficiency ratio | 62.0777% | 4,589 |
| Assets per employee ($millions) | 5.1840% | 2,137 |
| Cash dividends to net income (ytd only)* | 34.9515% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 4,289 |
| Loan loss allowance to noncurrent loans | 20.9271% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 679 |
| Noncurrent loans to loans | 5.0374% | 186 |
| Net loans and leases to total assets | 46.3204% | 5,134 |
| Net loans and leases to deposits | 56.8388% | 4,991 |
| Net loans and leases to core deposits | 65.4500% | 4,636 |
| Total domestic deposits to total assets | 81.4943% | 4,337 |
| Equity capital to assets | 14.2763% | 846 |
| Core capital (leverage) ratio | 14.5220% | 707 |
| Tier 1 risk-based capital ratio | 21.8556% | 1,168 |
| Total risk-based capital ratio | 22.6161% | 1,221 |
| Memoranda: | ||
| Average total assets | $63,084,400 | 5,239 |
| Average earning assets | $59,086,600 | 5,215 |
| Average equity | $8,755,400 | 4,904 |
| Average total loans | $29,929,200 | 5,360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 5,316 |
| Cost of funding earning assets | 0.3187% | 4,121 |
| Net interest margin | 3.0321% | 5,121 |
| Noninterest income to average assets | 0.3370% | 4,533 |
| Noninterest expense to average assets | 1.9398% | 5,582 |
| Loan and lease loss provision to assets | 0.5160% | 196 |
| Net operating income to assets | 0.5687% | 4,535 |
| Return on assets (ROA) | 0.5687% | 4,621 |
| Pretax return on assets | 0.7266% | 4,583 |
| Return on Equity (ROE) | 4.1264% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.1264% | 3,533 |
| Net charge-offs to loans | 1.4824% | 98 |
| Credit loss provision to net charge-offs | 73.1343% | 2,713 |
| Earnings coverage of net charge-offs (x) | 1.7612% | 3,784 |
| Efficiency ratio | 60.9530% | 4,741 |
| Assets per employee ($millions) | 5.6557% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,440 |
| Loan loss allowance to noncurrent loans | 31.3824% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 1.5929% | 1,399 |
| Noncurrent loans to loans | 3.3635% | 481 |
| Net loans and leases to total assets | 46.8584% | 5,162 |
| Net loans and leases to deposits | 60.4776% | 4,822 |
| Net loans and leases to core deposits | 68.5429% | 4,496 |
| Total domestic deposits to total assets | 77.4806% | 5,268 |
| Equity capital to assets | 14.3378% | 907 |
| Core capital (leverage) ratio | 14.1717% | 817 |
| Tier 1 risk-based capital ratio | 22.2601% | 1,156 |
| Total risk-based capital ratio | 23.0445% | 1,202 |
| Memoranda: | ||
| Average total assets | $63,303,500 | 5,301 |
| Average earning assets | $59,407,250 | 5,264 |
| Average equity | $8,724,000 | 4,971 |
| Average total loans | $30,131,000 | 5,416 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 5,357 |
| Cost of funding earning assets | 0.3113% | 4,265 |
| Net interest margin | 3.0328% | 5,142 |
| Noninterest income to average assets | 0.3424% | 4,505 |
| Noninterest expense to average assets | 1.8785% | 5,747 |
| Loan and lease loss provision to assets | 0.7696% | 104 |
| Net operating income to assets | 0.4555% | 4,958 |
| Return on assets (ROA) | 0.4555% | 5,054 |
| Pretax return on assets | 0.5403% | 5,117 |
| Return on Equity (ROE) | 3.3492% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.3492% | 3,913 |
| Net charge-offs to loans | 2.4775% | 53 |
| Credit loss provision to net charge-offs | 65.1596% | 2,538 |
| Earnings coverage of net charge-offs (x) | 1.1090% | 3,579 |
| Efficiency ratio | 58.9163% | 5,120 |
| Assets per employee ($millions) | 5.3309% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 5,219 |
| Loan loss allowance to noncurrent loans | 27.8351% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.5163% | 1,617 |
| Noncurrent loans to loans | 3.3082% | 551 |
| Net loans and leases to total assets | 45.4128% | 5,294 |
| Net loans and leases to deposits | 59.2962% | 4,909 |
| Net loans and leases to core deposits | 62.1252% | 4,939 |
| Total domestic deposits to total assets | 76.5863% | 5,524 |
| Equity capital to assets | 13.5905% | 1,130 |
| Core capital (leverage) ratio | 13.6629% | 939 |
| Tier 1 risk-based capital ratio | 21.6709% | 1,252 |
| Total risk-based capital ratio | 22.3434% | 1,320 |
| Memoranda: | ||
| Average total assets | $63,667,000 | 5,356 |
| Average earning assets | $59,746,000 | 5,312 |
| Average equity | $8,658,670 | 5,023 |
| Average total loans | $30,353,670 | 5,458 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,350 |
| Cost of funding earning assets | 0.3152% | 4,275 |
| Net interest margin | 3.0244% | 5,138 |
| Noninterest income to average assets | 0.2834% | 4,909 |
| Noninterest expense to average assets | 2.1538% | 5,266 |
| Loan and lease loss provision to assets | 0.1260% | 1,646 |
| Net operating income to assets | 0.5290% | 4,548 |
| Return on assets (ROA) | 0.5290% | 4,665 |
| Pretax return on assets | 0.8439% | 4,089 |
| Return on Equity (ROE) | 3.8884% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.8884% | 3,669 |
| Net charge-offs to loans | 0.2332% | 1,018 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,079 |
| Efficiency ratio | 68.9516% | 3,671 |
| Assets per employee ($millions) | 5.3673% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 3,145 |
| Loan loss allowance to noncurrent loans | 73.8095% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 2,597 |
| Noncurrent loans to loans | 1.8288% | 1,473 |
| Net loans and leases to total assets | 45.7288% | 5,216 |
| Net loans and leases to deposits | 58.0709% | 4,910 |
| Net loans and leases to core deposits | 60.7391% | 4,935 |
| Total domestic deposits to total assets | 78.7464% | 5,304 |
| Equity capital to assets | 13.5837% | 1,137 |
| Core capital (leverage) ratio | 13.5229% | 965 |
| Tier 1 risk-based capital ratio | 21.1208% | 1,394 |
| Total risk-based capital ratio | 22.1062% | 1,423 |
| Memoranda: | ||
| Average total assets | $63,515,000 | 5,412 |
| Average earning assets | $59,648,500 | 5,363 |
| Average equity | $8,641,000 | 5,069 |
| Average total loans | $30,870,000 | 5,475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,374 |
| Cost of funding earning assets | 0.3484% | 4,269 |
| Net interest margin | 3.1293% | 5,134 |
| Noninterest income to average assets | 0.3160% | 4,858 |
| Noninterest expense to average assets | 2.0892% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8379% | 3,186 |
| Return on assets (ROA) | 0.9177% | 2,885 |
| Pretax return on assets | 1.2566% | 2,412 |
| Return on Equity (ROE) | 7.2938% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.5549% | 2,227 |
| Net charge-offs to loans | 0.0157% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 358 |
| Efficiency ratio | 64.5540% | 4,495 |
| Assets per employee ($millions) | 5.2185% | 2,052 |
| Cash dividends to net income (ytd only)* | 23.8411% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,681 |
| Loan loss allowance to noncurrent loans | 100.7538% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 3,242 |
| Noncurrent loans to loans | 1.2483% | 2,366 |
| Net loans and leases to total assets | 50.2747% | 4,943 |
| Net loans and leases to deposits | 63.6162% | 4,567 |
| Net loans and leases to core deposits | 66.9580% | 4,597 |
| Total domestic deposits to total assets | 79.0281% | 5,246 |
| Equity capital to assets | 13.6262% | 1,105 |
| Core capital (leverage) ratio | 13.1458% | 1,086 |
| Tier 1 risk-based capital ratio | 21.4084% | 1,323 |
| Total risk-based capital ratio | 22.4119% | 1,343 |
| Memoranda: | ||
| Average total assets | $65,814,200 | 5,401 |
| Average earning assets | $61,420,200 | 5,358 |
| Average equity | $8,281,000 | 5,132 |
| Average total loans | $31,809,800 | 5,491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 5,331 |
| Cost of funding earning assets | 0.3497% | 4,349 |
| Net interest margin | 3.1773% | 5,036 |
| Noninterest income to average assets | 0.3182% | 4,890 |
| Noninterest expense to average assets | 2.1557% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7557% | 3,641 |
| Return on assets (ROA) | 0.7946% | 3,552 |
| Pretax return on assets | 1.1849% | 2,844 |
| Return on Equity (ROE) | 6.4410% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.4410% | 2,141 |
| Net charge-offs to loans | -0.0252% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6707% | 4,263 |
| Assets per employee ($millions) | 6.1997% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 2,927 |
| Loan loss allowance to noncurrent loans | 110.1604% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 3,549 |
| Noncurrent loans to loans | 1.3202% | 2,439 |
| Net loans and leases to total assets | 45.0296% | 5,453 |
| Net loans and leases to deposits | 55.9425% | 5,244 |
| Net loans and leases to core deposits | 59.7948% | 5,205 |
| Total domestic deposits to total assets | 80.4926% | 4,967 |
| Equity capital to assets | 13.6539% | 1,122 |
| Core capital (leverage) ratio | 12.9727% | 1,190 |
| Tier 1 risk-based capital ratio | 22.4858% | 1,189 |
| Total risk-based capital ratio | 23.6053% | 1,195 |
| Memoranda: | ||
| Average total assets | $66,612,250 | 5,438 |
| Average earning assets | $62,148,000 | 5,397 |
| Average equity | $8,218,000 | 5,188 |
| Average total loans | $31,791,250 | 5,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 5,192 |
| Cost of funding earning assets | 0.3462% | 4,471 |
| Net interest margin | 3.2381% | 4,814 |
| Noninterest income to average assets | 0.3228% | 4,835 |
| Noninterest expense to average assets | 1.9985% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9002% | 2,803 |
| Return on assets (ROA) | 0.8511% | 3,168 |
| Pretax return on assets | 1.2707% | 2,366 |
| Return on Equity (ROE) | 7.1291% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.1291% | 1,698 |
| Net charge-offs to loans | -0.0182% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7893% | 5,322 |
| Assets per employee ($millions) | 5.3728% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,442 |
| Loan loss allowance to noncurrent loans | 86.4693% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 3,771 |
| Noncurrent loans to loans | 1.5981% | 2,174 |
| Net loans and leases to total assets | 45.2717% | 5,436 |
| Net loans and leases to deposits | 55.6481% | 5,224 |
| Net loans and leases to core deposits | 61.1305% | 5,043 |
| Total domestic deposits to total assets | 81.3534% | 4,858 |
| Equity capital to assets | 13.0272% | 1,357 |
| Core capital (leverage) ratio | 12.7491% | 1,266 |
| Tier 1 risk-based capital ratio | 21.3112% | 1,379 |
| Total risk-based capital ratio | 22.3748% | 1,397 |
| Memoranda: | ||
| Average total assets | $68,150,670 | 5,447 |
| Average earning assets | $63,556,000 | 5,401 |
| Average equity | $8,135,670 | 5,233 |
| Average total loans | $32,945,330 | 5,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 5,039 |
| Cost of funding earning assets | 0.3442% | 4,599 |
| Net interest margin | 3.2942% | 4,562 |
| Noninterest income to average assets | 0.3258% | 4,763 |
| Noninterest expense to average assets | 1.9489% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9659% | 2,332 |
| Return on assets (ROA) | 0.9659% | 2,405 |
| Pretax return on assets | 1.4402% | 1,607 |
| Return on Equity (ROE) | 8.4458% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4458% | 1,439 |
| Net charge-offs to loans | -0.0347% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5042% | 5,704 |
| Assets per employee ($millions) | 5.6042% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,369 |
| Loan loss allowance to noncurrent loans | 217.5532% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 5,324 |
| Noncurrent loans to loans | 0.5751% | 4,440 |
| Net loans and leases to total assets | 48.0030% | 5,132 |
| Net loans and leases to deposits | 59.5840% | 4,803 |
| Net loans and leases to core deposits | 66.5869% | 4,438 |
| Total domestic deposits to total assets | 80.5636% | 5,367 |
| Equity capital to assets | 12.1338% | 1,779 |
| Core capital (leverage) ratio | 11.8203% | 1,753 |
| Tier 1 risk-based capital ratio | 19.0153% | 1,962 |
| Total risk-based capital ratio | 19.9881% | 2,006 |
| Memoranda: | ||
| Average total assets | $69,989,500 | 5,447 |
| Average earning assets | $65,084,000 | 5,404 |
| Average equity | $8,004,000 | 5,289 |
| Average total loans | $34,619,500 | 5,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 5,619 |
| Cost of funding earning assets | 0.3710% | 4,940 |
| Net interest margin | 3.1415% | 5,191 |
| Noninterest income to average assets | 0.2848% | 5,320 |
| Noninterest expense to average assets | 1.9594% | 6,088 |
| Loan and lease loss provision to assets | 0.0062% | 5,001 |
| Net operating income to assets | 0.8638% | 2,951 |
| Return on assets (ROA) | 0.9503% | 2,636 |
| Pretax return on assets | 1.3805% | 1,862 |
| Return on Equity (ROE) | 7.6230% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.9356% | 3,405 |
| Net charge-offs to loans | -0.0264% | 6,198 |
| Credit loss provision to net charge-offs | -50.0000% | 5,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8361% | 5,373 |
| Assets per employee ($millions) | 6.0608% | 1,241 |
| Cash dividends to net income (ytd only)* | 48.3713% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,097 |
| Loan loss allowance to noncurrent loans | 436.5591% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 5,935 |
| Noncurrent loans to loans | 0.2545% | 5,416 |
| Net loans and leases to total assets | 49.6941% | 5,121 |
| Net loans and leases to deposits | 66.1832% | 4,276 |
| Net loans and leases to core deposits | 72.0520% | 4,062 |
| Total domestic deposits to total assets | 75.0856% | 6,187 |
| Equity capital to assets | 10.7907% | 2,828 |
| Core capital (leverage) ratio | 12.3084% | 1,445 |
| Tier 1 risk-based capital ratio | 16.6144% | 2,790 |
| Total risk-based capital ratio | 17.4869% | 2,944 |
| Memoranda: | ||
| Average total assets | $64,613,200 | 5,634 |
| Average earning assets | $60,384,800 | 5,579 |
| Average equity | $8,054,600 | 5,323 |
| Average total loans | $30,356,400 | 5,747 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 5,455 |
| Cost of funding earning assets | 0.3867% | 4,932 |
| Net interest margin | 3.2071% | 4,974 |
| Noninterest income to average assets | 0.2812% | 5,434 |
| Noninterest expense to average assets | 2.1134% | 5,801 |
| Loan and lease loss provision to assets | 0.0085% | 4,810 |
| Net operating income to assets | 0.7855% | 3,420 |
| Return on assets (ROA) | 0.9012% | 2,942 |
| Pretax return on assets | 1.3358% | 2,190 |
| Return on Equity (ROE) | 6.9575% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.9575% | 1,897 |
| Net charge-offs to loans | -0.0509% | 6,315 |
| Credit loss provision to net charge-offs | -36.3636% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3320% | 4,744 |
| Assets per employee ($millions) | 4.9931% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,675 |
| Loan loss allowance to noncurrent loans | 382.2430% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,907 |
| Noncurrent loans to loans | 0.4410% | 5,093 |
| Net loans and leases to total assets | 39.8134% | 6,046 |
| Net loans and leases to deposits | 47.3079% | 6,010 |
| Net loans and leases to core deposits | 48.7215% | 6,084 |
| Total domestic deposits to total assets | 84.1581% | 4,129 |
| Equity capital to assets | 13.4603% | 1,134 |
| Core capital (leverage) ratio | 12.9938% | 1,210 |
| Tier 1 risk-based capital ratio | 24.1978% | 968 |
| Total risk-based capital ratio | 25.4428% | 953 |
| Memoranda: | ||
| Average total assets | $62,584,250 | 5,750 |
| Average earning assets | $58,618,500 | 5,697 |
| Average equity | $8,106,250 | 5,366 |
| Average total loans | $28,808,500 | 5,875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6467% | 5,299 |
| Cost of funding earning assets | 0.3940% | 4,991 |
| Net interest margin | 3.2528% | 4,760 |
| Noninterest income to average assets | 0.2647% | 5,560 |
| Noninterest expense to average assets | 2.1489% | 5,748 |
| Loan and lease loss provision to assets | 0.0126% | 4,631 |
| Net operating income to assets | 0.7158% | 3,736 |
| Return on assets (ROA) | 0.8791% | 3,056 |
| Pretax return on assets | 1.4022% | 1,923 |
| Return on Equity (ROE) | 6.8719% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.8719% | 1,946 |
| Net charge-offs to loans | -0.0066% | 5,690 |
| Credit loss provision to net charge-offs | -400.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9524% | 4,714 |
| Assets per employee ($millions) | 4.9994% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 3,042 |
| Loan loss allowance to noncurrent loans | 539.1892% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 6,114 |
| Noncurrent loans to loans | 0.3025% | 5,550 |
| Net loans and leases to total assets | 40.1130% | 6,034 |
| Net loans and leases to deposits | 46.7354% | 6,061 |
| Net loans and leases to core deposits | 48.0992% | 6,126 |
| Total domestic deposits to total assets | 85.8300% | 3,451 |
| Equity capital to assets | 13.1132% | 1,305 |
| Core capital (leverage) ratio | 12.5933% | 1,325 |
| Tier 1 risk-based capital ratio | 23.3777% | 1,077 |
| Total risk-based capital ratio | 24.5842% | 1,067 |
| Memoranda: | ||
| Average total assets | $63,473,330 | 5,761 |
| Average earning assets | $59,395,670 | 5,713 |
| Average equity | $8,120,000 | 5,403 |
| Average total loans | $30,323,330 | 5,836 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 5,505 |
| Cost of funding earning assets | 0.3933% | 5,176 |
| Net interest margin | 3.1854% | 4,973 |
| Noninterest income to average assets | 0.2760% | 5,478 |
| Noninterest expense to average assets | 2.0609% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8239% | 3,029 |
| Return on assets (ROA) | 1.0059% | 2,314 |
| Pretax return on assets | 1.4598% | 1,683 |
| Return on Equity (ROE) | 7.9549% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.9549% | 1,767 |
| Net charge-offs to loans | -0.0120% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2768% | 5,121 |
| Assets per employee ($millions) | 5.1932% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 4,202 |
| Loan loss allowance to noncurrent loans | 415.7895% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,026 |
| Noncurrent loans to loans | 0.3381% | 5,560 |
| Net loans and leases to total assets | 44.4575% | 5,613 |
| Net loans and leases to deposits | 51.8888% | 5,631 |
| Net loans and leases to core deposits | 53.3455% | 5,721 |
| Total domestic deposits to total assets | 85.6783% | 3,692 |
| Equity capital to assets | 13.2755% | 1,305 |
| Core capital (leverage) ratio | 13.0716% | 1,088 |
| Tier 1 risk-based capital ratio | 21.2833% | 1,473 |
| Total risk-based capital ratio | 22.3419% | 1,485 |
| Memoranda: | ||
| Average total assets | $65,213,500 | 5,770 |
| Average earning assets | $61,027,500 | 5,709 |
| Average equity | $8,246,500 | 5,424 |
| Average total loans | $33,253,000 | 5,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 4,582 |
| Cost of funding earning assets | 0.6006% | 4,349 |
| Net interest margin | 3.6034% | 4,066 |
| Noninterest income to average assets | 0.3589% | 4,912 |
| Noninterest expense to average assets | 2.1346% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0799% | 2,008 |
| Return on assets (ROA) | 1.0799% | 2,197 |
| Pretax return on assets | 1.5702% | 1,462 |
| Return on Equity (ROE) | 7.9265% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.2538% | 3,232 |
| Net charge-offs to loans | 0.0334% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 93.2000% | 415 |
| Efficiency ratio | 57.6171% | 5,881 |
| Assets per employee ($millions) | 5.6758% | 1,542 |
| Cash dividends to net income (ytd only)* | 46.3339% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,879 |
| Loan loss allowance to noncurrent loans | 375.2381% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 6,093 |
| Noncurrent loans to loans | 0.2734% | 5,799 |
| Net loans and leases to total assets | 55.8105% | 4,323 |
| Net loans and leases to deposits | 72.7711% | 3,285 |
| Net loans and leases to core deposits | 77.0409% | 3,397 |
| Total domestic deposits to total assets | 76.6932% | 6,263 |
| Equity capital to assets | 12.0689% | 2,004 |
| Core capital (leverage) ratio | 12.8392% | 1,181 |
| Tier 1 risk-based capital ratio | 16.6435% | 2,816 |
| Total risk-based capital ratio | 17.4866% | 2,989 |
| Memoranda: | ||
| Average total assets | $59,354,800 | 5,936 |
| Average earning assets | $55,115,000 | 5,884 |
| Average equity | $8,086,800 | 5,477 |
| Average total loans | $29,912,600 | 5,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 4,313 |
| Cost of funding earning assets | 0.6559% | 4,143 |
| Net interest margin | 3.6789% | 3,884 |
| Noninterest income to average assets | 0.3755% | 4,822 |
| Noninterest expense to average assets | 2.2414% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0705% | 2,209 |
| Return on assets (ROA) | 1.0705% | 2,419 |
| Pretax return on assets | 1.5487% | 1,723 |
| Return on Equity (ROE) | 7.5989% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.5989% | 1,797 |
| Net charge-offs to loans | -0.0048% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1385% | 5,640 |
| Assets per employee ($millions) | 4.7468% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,121 |
| Loan loss allowance to noncurrent loans | 445.0549% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,213 |
| Noncurrent loans to loans | 0.3840% | 5,701 |
| Net loans and leases to total assets | 40.8876% | 6,211 |
| Net loans and leases to deposits | 48.6242% | 6,221 |
| Net loans and leases to core deposits | 51.7498% | 6,193 |
| Total domestic deposits to total assets | 84.0891% | 4,174 |
| Equity capital to assets | 14.6714% | 921 |
| Core capital (leverage) ratio | 13.9942% | 836 |
| Tier 1 risk-based capital ratio | 24.0963% | 1,010 |
| Total risk-based capital ratio | 25.3328% | 993 |
| Memoranda: | ||
| Average total assets | $57,166,250 | 6,063 |
| Average earning assets | $53,058,250 | 6,024 |
| Average equity | $8,053,500 | 5,546 |
| Average total loans | $27,789,250 | 6,120 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 4,124 |
| Cost of funding earning assets | 0.6746% | 4,232 |
| Net interest margin | 3.7401% | 3,640 |
| Noninterest income to average assets | 0.3844% | 4,762 |
| Noninterest expense to average assets | 2.2015% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1112% | 2,006 |
| Return on assets (ROA) | 1.1112% | 2,222 |
| Pretax return on assets | 1.6703% | 1,340 |
| Return on Equity (ROE) | 7.9977% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,642 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8592% | 6,022 |
| Assets per employee ($millions) | 4.7530% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,317 |
| Loan loss allowance to noncurrent loans | 249.3827% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 5,825 |
| Noncurrent loans to loans | 0.5754% | 5,361 |
| Net loans and leases to total assets | 48.6517% | 5,542 |
| Net loans and leases to deposits | 57.5455% | 5,500 |
| Net loans and leases to core deposits | 63.3062% | 5,276 |
| Total domestic deposits to total assets | 84.5448% | 4,083 |
| Equity capital to assets | 14.2840% | 983 |
| Core capital (leverage) ratio | 13.9056% | 829 |
| Tier 1 risk-based capital ratio | 20.9889% | 1,483 |
| Total risk-based capital ratio | 22.0829% | 1,484 |
| Memoranda: | ||
| Average total assets | $57,234,670 | 6,102 |
| Average earning assets | $53,368,000 | 6,048 |
| Average equity | $7,952,330 | 5,587 |
| Average total loans | $29,154,000 | 6,103 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 3,816 |
| Cost of funding earning assets | 0.6882% | 4,384 |
| Net interest margin | 3.8372% | 3,203 |
| Noninterest income to average assets | 0.3349% | 5,182 |
| Noninterest expense to average assets | 2.1907% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1232% | 1,973 |
| Return on assets (ROA) | 1.1232% | 2,160 |
| Pretax return on assets | 1.7232% | 1,247 |
| Return on Equity (ROE) | 8.1986% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.1986% | 1,906 |
| Net charge-offs to loans | -0.4047% | 7,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9715% | 6,123 |
| Assets per employee ($millions) | 4.7399% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,056 |
| Loan loss allowance to noncurrent loans | 522.8916% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 6,175 |
| Noncurrent loans to loans | 0.2911% | 6,093 |
| Net loans and leases to total assets | 49.3662% | 5,387 |
| Net loans and leases to deposits | 58.1370% | 5,356 |
| Net loans and leases to core deposits | 63.3795% | 5,182 |
| Total domestic deposits to total assets | 84.9136% | 4,083 |
| Equity capital to assets | 13.9735% | 1,032 |
| Core capital (leverage) ratio | 13.3906% | 984 |
| Tier 1 risk-based capital ratio | 20.6988% | 1,544 |
| Total risk-based capital ratio | 21.8816% | 1,532 |
| Memoranda: | ||
| Average total assets | $57,334,000 | 6,138 |
| Average earning assets | $53,476,000 | 6,086 |
| Average equity | $7,855,000 | 5,642 |
| Average total loans | $29,654,500 | 6,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 3,496 |
| Cost of funding earning assets | 0.8986% | 4,125 |
| Net interest margin | 3.9715% | 3,019 |
| Noninterest income to average assets | 0.5800% | 3,298 |
| Noninterest expense to average assets | 2.6255% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1160% | 1,772 |
| Return on assets (ROA) | 1.1323% | 1,836 |
| Pretax return on assets | 1.6644% | 1,070 |
| Return on Equity (ROE) | 8.0531% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.1640% | 3,214 |
| Net charge-offs to loans | -0.0133% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5451% | 5,529 |
| Assets per employee ($millions) | 4.8158% | 2,431 |
| Cash dividends to net income (ytd only)* | 48.2927% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,853 |
| Loan loss allowance to noncurrent loans | 486.7470% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 6,173 |
| Noncurrent loans to loans | 0.2695% | 6,185 |
| Net loans and leases to total assets | 52.5913% | 5,217 |
| Net loans and leases to deposits | 65.4831% | 4,805 |
| Net loans and leases to core deposits | 71.6218% | 4,578 |
| Total domestic deposits to total assets | 80.3129% | 5,661 |
| Equity capital to assets | 13.4316% | 1,304 |
| Core capital (leverage) ratio | 13.9603% | 833 |
| Tier 1 risk-based capital ratio | 18.5957% | 2,020 |
| Total risk-based capital ratio | 19.6063% | 2,061 |
| Memoranda: | ||
| Average total assets | $54,314,400 | 6,219 |
| Average earning assets | $50,409,600 | 6,177 |
| Average equity | $7,636,800 | 5,678 |
| Average total loans | $30,070,200 | 6,156 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 2,973 |
| Cost of funding earning assets | 0.9417% | 4,098 |
| Net interest margin | 4.0833% | 2,535 |
| Noninterest income to average assets | 0.6935% | 2,645 |
| Noninterest expense to average assets | 2.5845% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2584% | 1,493 |
| Return on assets (ROA) | 1.2798% | 1,536 |
| Pretax return on assets | 1.9384% | 713 |
| Return on Equity (ROE) | 8.9932% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.9932% | 1,150 |
| Net charge-offs to loans | -0.0446% | 7,034 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5556% | 6,076 |
| Assets per employee ($millions) | 4.4943% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 4,074 |
| Loan loss allowance to noncurrent loans | 594.2029% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 6,232 |
| Noncurrent loans to loans | 0.2529% | 6,366 |
| Net loans and leases to total assets | 49.8322% | 5,721 |
| Net loans and leases to deposits | 59.3162% | 5,717 |
| Net loans and leases to core deposits | 62.7466% | 5,743 |
| Total domestic deposits to total assets | 84.0111% | 4,226 |
| Equity capital to assets | 14.7281% | 924 |
| Core capital (leverage) ratio | 14.3222% | 812 |
| Tier 1 risk-based capital ratio | 21.3466% | 1,393 |
| Total risk-based capital ratio | 22.4940% | 1,391 |
| Memoranda: | ||
| Average total assets | $53,445,750 | 6,299 |
| Average earning assets | $49,697,250 | 6,257 |
| Average equity | $7,605,500 | 5,720 |
| Average total loans | $29,888,750 | 6,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 2,580 |
| Cost of funding earning assets | 0.9815% | 4,075 |
| Net interest margin | 4.1402% | 2,265 |
| Noninterest income to average assets | 0.3791% | 4,854 |
| Noninterest expense to average assets | 2.3947% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2311% | 1,490 |
| Return on assets (ROA) | 1.2311% | 1,560 |
| Pretax return on assets | 1.8317% | 826 |
| Return on Equity (ROE) | 8.7548% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.7548% | 1,192 |
| Net charge-offs to loans | 0.0130% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 139 |
| Efficiency ratio | 56.6607% | 6,339 |
| Assets per employee ($millions) | 4.4616% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 5,012 |
| Loan loss allowance to noncurrent loans | 241.2121% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 6,075 |
| Noncurrent loans to loans | 0.5435% | 5,827 |
| Net loans and leases to total assets | 55.9648% | 5,001 |
| Net loans and leases to deposits | 66.2385% | 4,965 |
| Net loans and leases to core deposits | 71.7299% | 4,849 |
| Total domestic deposits to total assets | 84.4898% | 4,127 |
| Equity capital to assets | 14.4399% | 961 |
| Core capital (leverage) ratio | 14.2150% | 820 |
| Tier 1 risk-based capital ratio | 19.2473% | 1,767 |
| Total risk-based capital ratio | 20.2775% | 1,798 |
| Memoranda: | ||
| Average total assets | $53,284,000 | 6,359 |
| Average earning assets | $49,514,000 | 6,314 |
| Average equity | $7,493,000 | 5,771 |
| Average total loans | $30,756,670 | 6,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 2,347 |
| Cost of funding earning assets | 1.0163% | 4,079 |
| Net interest margin | 4.1546% | 2,065 |
| Noninterest income to average assets | 0.3461% | 5,141 |
| Noninterest expense to average assets | 2.4306% | 5,793 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1739% | 1,588 |
| Return on assets (ROA) | 1.1739% | 1,640 |
| Pretax return on assets | 1.7608% | 882 |
| Return on Equity (ROE) | 8.4622% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.4622% | 1,564 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9892% | 6,271 |
| Assets per employee ($millions) | 4.4598% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 5,026 |
| Loan loss allowance to noncurrent loans | 134.2282% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 5,861 |
| Noncurrent loans to loans | 0.9849% | 5,069 |
| Net loans and leases to total assets | 55.7916% | 5,024 |
| Net loans and leases to deposits | 65.7072% | 5,017 |
| Net loans and leases to core deposits | 71.4699% | 4,856 |
| Total domestic deposits to total assets | 84.9095% | 4,076 |
| Equity capital to assets | 13.9675% | 1,015 |
| Core capital (leverage) ratio | 13.3177% | 1,023 |
| Tier 1 risk-based capital ratio | 18.5904% | 1,930 |
| Total risk-based capital ratio | 19.6220% | 1,953 |
| Memoranda: | ||
| Average total assets | $53,156,500 | 6,406 |
| Average earning assets | $49,198,500 | 6,371 |
| Average equity | $7,374,000 | 5,814 |
| Average total loans | $30,954,500 | 6,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 2,741 |
| Cost of funding earning assets | 1.1798% | 4,678 |
| Net interest margin | 4.2064% | 2,159 |
| Noninterest income to average assets | 0.4532% | 4,493 |
| Noninterest expense to average assets | 2.3644% | 6,186 |
| Loan and lease loss provision to assets | 0.1422% | 5,760 |
| Net operating income to assets | 1.2033% | 1,406 |
| Return on assets (ROA) | 1.2381% | 1,393 |
| Pretax return on assets | 1.8240% | 725 |
| Return on Equity (ROE) | 8.9592% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.9529% | 2,440 |
| Net charge-offs to loans | 0.3791% | 4,145 |
| Credit loss provision to net charge-offs | 65.7895% | 5,965 |
| Earnings coverage of net charge-offs (x) | 8.8596% | 1,911 |
| Efficiency ratio | 55.2503% | 6,684 |
| Assets per employee ($millions) | 4.3997% | 3,027 |
| Cash dividends to net income (ytd only)* | 44.7167% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 5,188 |
| Loan loss allowance to noncurrent loans | 136.0544% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 5,913 |
| Noncurrent loans to loans | 0.9289% | 5,190 |
| Net loans and leases to total assets | 59.1920% | 4,808 |
| Net loans and leases to deposits | 69.4683% | 4,885 |
| Net loans and leases to core deposits | 76.0494% | 4,706 |
| Total domestic deposits to total assets | 85.2072% | 3,748 |
| Equity capital to assets | 13.7757% | 1,103 |
| Core capital (leverage) ratio | 13.4371% | 988 |
| Tier 1 risk-based capital ratio | 17.6589% | 2,104 |
| Total risk-based capital ratio | 18.6650% | 2,170 |
| Memoranda: | ||
| Average total assets | $52,740,200 | 6,435 |
| Average earning assets | $47,974,400 | 6,432 |
| Average equity | $7,288,600 | 5,937 |
| Average total loans | $30,068,400 | 6,396 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 2,776 |
| Cost of funding earning assets | 1.1977% | 4,876 |
| Net interest margin | 4.2254% | 2,124 |
| Noninterest income to average assets | 0.4729% | 4,391 |
| Noninterest expense to average assets | 2.2885% | 6,363 |
| Loan and lease loss provision to assets | 0.1897% | 5,150 |
| Net operating income to assets | 1.2483% | 1,470 |
| Return on assets (ROA) | 1.2947% | 1,425 |
| Pretax return on assets | 1.8991% | 771 |
| Return on Equity (ROE) | 9.3610% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.3610% | 943 |
| Net charge-offs to loans | 0.3505% | 3,902 |
| Credit loss provision to net charge-offs | 96.1538% | 4,507 |
| Earnings coverage of net charge-offs (x) | 10.2434% | 1,908 |
| Efficiency ratio | 53.1103% | 6,880 |
| Assets per employee ($millions) | 4.1127% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,770 |
| Loan loss allowance to noncurrent loans | 155.7143% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 6,015 |
| Noncurrent loans to loans | 0.9890% | 5,261 |
| Net loans and leases to total assets | 56.4840% | 5,483 |
| Net loans and leases to deposits | 67.6963% | 5,463 |
| Net loans and leases to core deposits | 72.4297% | 5,463 |
| Total domestic deposits to total assets | 83.4373% | 4,404 |
| Equity capital to assets | 15.4279% | 786 |
| Core capital (leverage) ratio | 14.2175% | 879 |
| Tier 1 risk-based capital ratio | 20.5028% | 1,446 |
| Total risk-based capital ratio | 21.7331% | 1,431 |
| Memoranda: | ||
| Average total assets | $52,726,250 | 6,514 |
| Average earning assets | $47,867,750 | 6,513 |
| Average equity | $7,292,500 | 6,018 |
| Average total loans | $29,672,750 | 6,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 3,059 |
| Cost of funding earning assets | 1.1839% | 5,215 |
| Net interest margin | 4.1968% | 2,166 |
| Noninterest income to average assets | 0.4865% | 4,220 |
| Noninterest expense to average assets | 2.2655% | 6,454 |
| Loan and lease loss provision to assets | 0.2785% | 4,172 |
| Net operating income to assets | 1.0649% | 1,966 |
| Return on assets (ROA) | 1.1290% | 1,832 |
| Pretax return on assets | 1.8607% | 798 |
| Return on Equity (ROE) | 8.4617% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.4617% | 1,278 |
| Net charge-offs to loans | -0.0066% | 7,146 |
| Credit loss provision to net charge-offs | -7,500.0000% | 7,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6316% | 7,013 |
| Assets per employee ($millions) | 4.3220% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 3,050 |
| Loan loss allowance to noncurrent loans | 95.0185% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0450% | 5,052 |
| Noncurrent loans to loans | 1.7954% | 4,009 |
| Net loans and leases to total assets | 57.2150% | 5,531 |
| Net loans and leases to deposits | 70.8142% | 5,160 |
| Net loans and leases to core deposits | 76.5208% | 5,136 |
| Total domestic deposits to total assets | 80.7959% | 5,476 |
| Equity capital to assets | 14.2392% | 1,092 |
| Core capital (leverage) ratio | 13.5846% | 1,033 |
| Tier 1 risk-based capital ratio | 18.8369% | 1,758 |
| Total risk-based capital ratio | 20.0886% | 1,729 |
| Memoranda: | ||
| Average total assets | $53,851,000 | 6,525 |
| Average earning assets | $48,989,330 | 6,505 |
| Average equity | $7,185,330 | 6,077 |
| Average total loans | $30,126,330 | 6,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 4,010 |
| Cost of funding earning assets | 1.1806% | 5,505 |
| Net interest margin | 4.0203% | 2,787 |
| Noninterest income to average assets | 0.3720% | 5,167 |
| Noninterest expense to average assets | 2.2172% | 6,640 |
| Loan and lease loss provision to assets | 0.3282% | 3,434 |
| Net operating income to assets | 0.8586% | 2,714 |
| Return on assets (ROA) | 0.9846% | 2,302 |
| Pretax return on assets | 1.6993% | 1,060 |
| Return on Equity (ROE) | 7.6212% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.6212% | 1,872 |
| Net charge-offs to loans | -0.0133% | 6,964 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7748% | 6,908 |
| Assets per employee ($millions) | 4.4807% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 3,244 |
| Loan loss allowance to noncurrent loans | 90.6542% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 5,156 |
| Noncurrent loans to loans | 1.8219% | 4,030 |
| Net loans and leases to total assets | 53.7122% | 6,062 |
| Net loans and leases to deposits | 67.9114% | 5,603 |
| Net loans and leases to core deposits | 73.8600% | 5,512 |
| Total domestic deposits to total assets | 79.0917% | 6,057 |
| Equity capital to assets | 13.3053% | 1,396 |
| Core capital (leverage) ratio | 12.9131% | 1,238 |
| Tier 1 risk-based capital ratio | 18.5003% | 1,834 |
| Total risk-based capital ratio | 19.7505% | 1,801 |
| Memoranda: | ||
| Average total assets | $54,844,500 | 6,577 |
| Average earning assets | $50,145,500 | 6,543 |
| Average equity | $7,085,500 | 6,168 |
| Average total loans | $30,095,000 | 6,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9423% | 2,077 |
| Cost of funding earning assets | 1.5354% | 5,355 |
| Net interest margin | 4.4069% | 1,414 |
| Noninterest income to average assets | 0.4578% | 4,736 |
| Noninterest expense to average assets | 2.5384% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2066% | 1,228 |
| Return on assets (ROA) | 1.2540% | 1,180 |
| Pretax return on assets | 1.9347% | 470 |
| Return on Equity (ROE) | 9.0112% | 2,021 |
| Retained earnings to average equity (ytd only) | 5.0806% | 1,779 |
| Net charge-offs to loans | -0.0623% | 7,859 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6888% | 6,809 |
| Assets per employee ($millions) | 4.6601% | 2,671 |
| Cash dividends to net income (ytd only)* | 43.6187% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 4,103 |
| Loan loss allowance to noncurrent loans | 87.1032% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 5,297 |
| Noncurrent loans to loans | 1.6350% | 4,191 |
| Net loans and leases to total assets | 54.3374% | 6,164 |
| Net loans and leases to deposits | 75.8607% | 4,764 |
| Net loans and leases to core deposits | 87.1008% | 5,423 |
| Total domestic deposits to total assets | 71.6278% | 7,277 |
| Equity capital to assets | 12.5481% | 1,726 |
| Core capital (leverage) ratio | 13.6770% | 1,051 |
| Tier 1 risk-based capital ratio | 17.4392% | 2,042 |
| Total risk-based capital ratio | 18.5766% | 2,036 |
| Memoranda: | ||
| Average total assets | $49,362,200 | 6,735 |
| Average earning assets | $44,158,200 | 6,757 |
| Average equity | $6,869,200 | 6,310 |
| Average total loans | $27,304,800 | 6,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 1,182 |
| Cost of funding earning assets | 1.6398% | 5,204 |
| Net interest margin | 4.6382% | 925 |
| Noninterest income to average assets | 0.4610% | 4,811 |
| Noninterest expense to average assets | 2.6123% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2673% | 1,297 |
| Return on assets (ROA) | 1.3327% | 1,212 |
| Pretax return on assets | 2.0507% | 492 |
| Return on Equity (ROE) | 9.3085% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.3085% | 765 |
| Net charge-offs to loans | -0.0504% | 7,857 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2566% | 6,834 |
| Assets per employee ($millions) | 4.0263% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 2,470 |
| Loan loss allowance to noncurrent loans | 63.1579% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 4,270 |
| Noncurrent loans to loans | 2.7578% | 2,754 |
| Net loans and leases to total assets | 50.4398% | 6,743 |
| Net loans and leases to deposits | 60.3143% | 6,810 |
| Net loans and leases to core deposits | 68.4878% | 7,051 |
| Total domestic deposits to total assets | 83.6283% | 3,889 |
| Equity capital to assets | 14.9477% | 1,017 |
| Core capital (leverage) ratio | 14.1332% | 1,059 |
| Tier 1 risk-based capital ratio | 21.3237% | 1,322 |
| Total risk-based capital ratio | 22.5754% | 1,294 |
| Memoranda: | ||
| Average total assets | $47,722,500 | 6,845 |
| Average earning assets | $42,199,500 | 6,901 |
| Average equity | $6,832,250 | 6,379 |
| Average total loans | $26,424,750 | 6,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 1,178 |
| Cost of funding earning assets | 1.6529% | 5,498 |
| Net interest margin | 4.6590% | 859 |
| Noninterest income to average assets | 0.4629% | 4,759 |
| Noninterest expense to average assets | 2.6092% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3382% | 1,143 |
| Return on assets (ROA) | 1.3382% | 1,214 |
| Pretax return on assets | 2.0410% | 509 |
| Return on Equity (ROE) | 9.4892% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.4892% | 819 |
| Net charge-offs to loans | -0.0668% | 7,892 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1086% | 7,108 |
| Assets per employee ($millions) | 4.0460% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,827 |
| Loan loss allowance to noncurrent loans | 60.1116% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 4,024 |
| Noncurrent loans to loans | 2.6284% | 2,751 |
| Net loans and leases to total assets | 55.2974% | 6,299 |
| Net loans and leases to deposits | 65.4941% | 6,436 |
| Net loans and leases to core deposits | 75.0238% | 6,732 |
| Total domestic deposits to total assets | 84.4311% | 3,533 |
| Equity capital to assets | 14.2940% | 1,226 |
| Core capital (leverage) ratio | 13.9210% | 1,156 |
| Tier 1 risk-based capital ratio | 19.1825% | 1,747 |
| Total risk-based capital ratio | 20.4223% | 1,698 |
| Memoranda: | ||
| Average total assets | $47,525,000 | 6,923 |
| Average earning assets | $42,713,000 | 6,939 |
| Average equity | $6,702,330 | 6,466 |
| Average total loans | $26,965,670 | 6,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0813% | 2,012 |
| Cost of funding earning assets | 1.6908% | 5,633 |
| Net interest margin | 4.3905% | 1,368 |
| Noninterest income to average assets | 0.4254% | 5,001 |
| Noninterest expense to average assets | 2.5611% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1657% | 1,755 |
| Return on assets (ROA) | 1.1657% | 1,871 |
| Pretax return on assets | 1.8634% | 872 |
| Return on Equity (ROE) | 8.3238% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.3238% | 1,693 |
| Net charge-offs to loans | -0.0149% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8846% | 6,719 |
| Assets per employee ($millions) | 3.9366% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 2,502 |
| Loan loss allowance to noncurrent loans | 57.8659% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.6660% | 3,424 |
| Noncurrent loans to loans | 2.7717% | 2,369 |
| Net loans and leases to total assets | 54.9355% | 6,363 |
| Net loans and leases to deposits | 64.8970% | 6,472 |
| Net loans and leases to core deposits | 75.7362% | 6,694 |
| Total domestic deposits to total assets | 84.6504% | 3,389 |
| Equity capital to assets | 14.1112% | 1,332 |
| Core capital (leverage) ratio | 13.4775% | 1,327 |
| Tier 1 risk-based capital ratio | 18.9629% | 1,820 |
| Total risk-based capital ratio | 20.2113% | 1,777 |
| Memoranda: | ||
| Average total assets | $47,011,500 | 6,993 |
| Average earning assets | $42,819,500 | 6,986 |
| Average equity | $6,583,500 | 6,551 |
| Average total loans | $26,809,000 | 6,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4120% | 3,352 |
| Cost of funding earning assets | 2.2864% | 5,223 |
| Net interest margin | 4.1255% | 2,600 |
| Noninterest income to average assets | 0.4848% | 4,751 |
| Noninterest expense to average assets | 2.4195% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2059% | 1,750 |
| Return on assets (ROA) | 0.8866% | 2,896 |
| Pretax return on assets | 1.3604% | 2,087 |
| Return on Equity (ROE) | 6.3055% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.8111% | 3,431 |
| Net charge-offs to loans | -0.1403% | 8,130 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6462% | 6,920 |
| Assets per employee ($millions) | 3.8987% | 3,738 |
| Cash dividends to net income (ytd only)* | 55.4187% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 2,456 |
| Loan loss allowance to noncurrent loans | 57.4150% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 2,872 |
| Noncurrent loans to loans | 2.6978% | 2,008 |
| Net loans and leases to total assets | 57.3316% | 6,299 |
| Net loans and leases to deposits | 68.8715% | 6,382 |
| Net loans and leases to core deposits | 77.5740% | 6,767 |
| Total domestic deposits to total assets | 83.2443% | 3,675 |
| Equity capital to assets | 13.8958% | 1,462 |
| Core capital (leverage) ratio | 13.8723% | 1,286 |
| Tier 1 risk-based capital ratio | 18.2066% | 1,991 |
| Total risk-based capital ratio | 19.4320% | 1,946 |
| Memoranda: | ||
| Average total assets | $45,794,000 | 6,946 |
| Average earning assets | $42,030,800 | 6,948 |
| Average equity | $6,438,800 | 6,659 |
| Average total loans | $29,217,000 | 6,758 |