Home > Farmers State Bank & Trust Co. > Performance and Condition Ratios
Farmers State Bank & Trust Co., 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 | 5.1920% | 1,683 |
| Cost of funding earning assets | 0.8862% | 3,549 |
| Net interest margin | 4.3058% | 805 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 2.8898% | 1,296 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.9821% | 481 |
| Return on assets (ROA) | 1.9821% | 463 |
| Pretax return on assets | 1.9821% | 695 |
| Return on Equity (ROE) | 25.7200% | 287 |
| Retained earnings to average equity (ytd only) | 9.2984% | 1,186 |
| Net charge-offs to loans | 0.0074% | 2,398 |
| Credit loss provision to net charge-offs | 833.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 535.6667% | 274 |
| Efficiency ratio | 58.9370% | 3,193 |
| Assets per employee ($millions) | 3.9109% | 4,190 |
| Cash dividends to net income (ytd only)* | 63.8432% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0333% | 355 |
| Loan loss allowance to noncurrent loans | 1,037.9085% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 1,973 |
| Noncurrent loans to loans | 0.1959% | 2,533 |
| Net loans and leases to total assets | 46.5800% | 3,791 |
| Net loans and leases to deposits | 50.8896% | 3,920 |
| Net loans and leases to core deposits | 57.0790% | 3,872 |
| Total domestic deposits to total assets | 91.5300% | 382 |
| Equity capital to assets | 7.7848% | 3,553 |
| Core capital (leverage) ratio | 9.8142% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $159,628,800 | 3,274 |
| Average earning assets | $149,518,000 | 3,252 |
| Average equity | $12,303,200 | 3,500 |
| Average total loans | $80,638,600 | 3,397 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 1,580 |
| Cost of funding earning assets | 0.7979% | 3,521 |
| Net interest margin | 4.3274% | 776 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7276% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9191% | 552 |
| Return on assets (ROA) | 1.9191% | 545 |
| Pretax return on assets | 1.9191% | 841 |
| Return on Equity (ROE) | 24.9600% | 386 |
| Retained earnings to average equity (ytd only) | 5.7569% | 2,702 |
| Net charge-offs to loans | -0.0016% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.7000% | 3,119 |
| Assets per employee ($millions) | 3.7204% | 4,267 |
| Cash dividends to net income (ytd only)* | 76.9399% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,529 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 49.0900% | 3,681 |
| Net loans and leases to deposits | 53.1133% | 3,834 |
| Net loans and leases to core deposits | 58.8174% | 3,751 |
| Total domestic deposits to total assets | 92.4300% | 385 |
| Equity capital to assets | 6.9191% | 3,653 |
| Core capital (leverage) ratio | 9.5299% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $158,472,000 | 3,304 |
| Average earning assets | $148,385,500 | 3,275 |
| Average equity | $12,182,250 | 3,514 |
| Average total loans | $81,273,500 | 3,396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 1,600 |
| Cost of funding earning assets | 0.6960% | 3,500 |
| Net interest margin | 4.2814% | 831 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7005% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9105% | 551 |
| Return on assets (ROA) | 1.9105% | 544 |
| Pretax return on assets | 1.9105% | 849 |
| Return on Equity (ROE) | 24.0400% | 426 |
| Retained earnings to average equity (ytd only) | 0.3505% | 4,013 |
| Net charge-offs to loans | -0.0024% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.5667% | 3,123 |
| Assets per employee ($millions) | 3.7295% | 4,281 |
| Cash dividends to net income (ytd only)* | 98.5421% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 527 |
| Loan loss allowance to noncurrent loans | 4,175.6757% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 2,440 |
| Noncurrent loans to loans | 0.0448% | 3,401 |
| Net loans and leases to total assets | 50.5600% | 3,518 |
| Net loans and leases to deposits | 54.7954% | 3,705 |
| Net loans and leases to core deposits | 60.3735% | 3,610 |
| Total domestic deposits to total assets | 92.2700% | 366 |
| Equity capital to assets | 6.9590% | 3,818 |
| Core capital (leverage) ratio | 9.2349% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $157,970,333 | 3,314 |
| Average earning assets | $147,989,667 | 3,295 |
| Average equity | $12,553,333 | 3,481 |
| Average total loans | $81,671,000 | 3,394 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,716 |
| Cost of funding earning assets | 0.5754% | 3,460 |
| Net interest margin | 4.1862% | 971 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.7046% | 1,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8422% | 627 |
| Return on assets (ROA) | 1.8422% | 613 |
| Pretax return on assets | 1.8422% | 999 |
| Return on Equity (ROE) | 21.8000% | 596 |
| Retained earnings to average equity (ytd only) | -15.6981% | 4,557 |
| Net charge-offs to loans | -0.0049% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4837% | 3,021 |
| Assets per employee ($millions) | 3.7575% | 4,338 |
| Cash dividends to net income (ytd only)* | 172.0222% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 526 |
| Loan loss allowance to noncurrent loans | 2,116.4384% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,255 |
| Noncurrent loans to loans | 0.0900% | 3,098 |
| Net loans and leases to total assets | 49.2600% | 3,544 |
| Net loans and leases to deposits | 54.0016% | 3,681 |
| Net loans and leases to core deposits | 57.7395% | 3,641 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 8.1134% | 3,163 |
| Core capital (leverage) ratio | 9.0423% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $156,771,500 | 3,367 |
| Average earning assets | $146,674,000 | 3,344 |
| Average equity | $13,250,000 | 3,455 |
| Average total loans | $81,192,000 | 3,436 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 1,392 |
| Cost of funding earning assets | 0.2378% | 3,431 |
| Net interest margin | 3.8966% | 957 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7102% | 1,529 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4844% | 918 |
| Return on assets (ROA) | 1.4844% | 883 |
| Pretax return on assets | 1.4844% | 1,503 |
| Return on Equity (ROE) | 19.4700% | 526 |
| Retained earnings to average equity (ytd only) | 7.2297% | 2,133 |
| Net charge-offs to loans | 0.0038% | 2,318 |
| Credit loss provision to net charge-offs | 1,333.3333% | 351 |
| Earnings coverage of net charge-offs (x) | 774.6667% | 238 |
| Efficiency ratio | 64.2131% | 2,464 |
| Assets per employee ($millions) | 3.5342% | 4,427 |
| Cash dividends to net income (ytd only)* | 62.8722% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 541 |
| Loan loss allowance to noncurrent loans | 877.2727% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 1,916 |
| Noncurrent loans to loans | 0.2166% | 2,405 |
| Net loans and leases to total assets | 52.4500% | 3,324 |
| Net loans and leases to deposits | 57.9332% | 3,467 |
| Net loans and leases to core deposits | 61.2215% | 3,438 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 8.8116% | 2,482 |
| Core capital (leverage) ratio | 9.7406% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $153,864,800 | 3,405 |
| Average earning assets | $143,382,400 | 3,390 |
| Average equity | $11,729,400 | 3,693 |
| Average total loans | $78,110,600 | 3,437 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 1,370 |
| Cost of funding earning assets | 0.1956% | 3,329 |
| Net interest margin | 3.7499% | 1,037 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.6849% | 1,504 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3554% | 1,202 |
| Return on assets (ROA) | 1.3554% | 1,178 |
| Pretax return on assets | 1.3554% | 1,864 |
| Return on Equity (ROE) | 18.4900% | 578 |
| Retained earnings to average equity (ytd only) | 5.2559% | 3,005 |
| Net charge-offs to loans | 0.0052% | 1,983 |
| Credit loss provision to net charge-offs | 1,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 536.3333% | 294 |
| Efficiency ratio | 65.8893% | 2,292 |
| Assets per employee ($millions) | 3.6398% | 4,450 |
| Cash dividends to net income (ytd only)* | 71.5743% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 518 |
| Loan loss allowance to noncurrent loans | 600.7782% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 1,781 |
| Noncurrent loans to loans | 0.3298% | 2,046 |
| Net loans and leases to total assets | 48.8000% | 3,548 |
| Net loans and leases to deposits | 53.2960% | 3,645 |
| Net loans and leases to core deposits | 55.9847% | 3,629 |
| Total domestic deposits to total assets | 91.5600% | 1,022 |
| Equity capital to assets | 6.5490% | 3,715 |
| Core capital (leverage) ratio | 9.5666% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $154,338,500 | 3,424 |
| Average earning assets | $143,822,000 | 3,416 |
| Average equity | $11,314,000 | 3,778 |
| Average total loans | $77,325,250 | 3,467 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 1,270 |
| Cost of funding earning assets | 0.1792% | 3,193 |
| Net interest margin | 3.6422% | 1,004 |
| Noninterest income to average assets | 0.5716% | 1,857 |
| Noninterest expense to average assets | 2.6912% | 1,411 |
| Loan and lease loss provision to assets | 0.0391% | 1,885 |
| Net operating income to assets | 1.2278% | 1,340 |
| Return on assets (ROA) | 1.2278% | 1,324 |
| Pretax return on assets | 1.2278% | 1,973 |
| Return on Equity (ROE) | 16.1629% | 677 |
| Retained earnings to average equity (ytd only) | -0.1714% | 4,199 |
| Net charge-offs to loans | 0.0052% | 1,825 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 486.5000% | 265 |
| Efficiency ratio | 67.9934% | 2,244 |
| Assets per employee ($millions) | 3.8784% | 4,421 |
| Cash dividends to net income (ytd only)* | 101.0604% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9785% | 578 |
| Loan loss allowance to noncurrent loans | 700.9132% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 2,062 |
| Noncurrent loans to loans | 0.2823% | 2,333 |
| Net loans and leases to total assets | 45.6017% | 3,733 |
| Net loans and leases to deposits | 48.6866% | 3,886 |
| Net loans and leases to core deposits | 50.6345% | 3,903 |
| Total domestic deposits to total assets | 93.6637% | 351 |
| Equity capital to assets | 5.6737% | 4,312 |
| Core capital (leverage) ratio | 9.2885% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,614,000 | 3,467 |
| Average earning assets | $142,827,000 | 3,467 |
| Average equity | $11,668,667 | 3,818 |
| Average total loans | $77,128,667 | 3,500 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 966 |
| Cost of funding earning assets | 0.1853% | 3,007 |
| Net interest margin | 3.6854% | 766 |
| Noninterest income to average assets | 0.6230% | 1,592 |
| Noninterest expense to average assets | 2.8564% | 1,048 |
| Loan and lease loss provision to assets | 0.0408% | 1,622 |
| Net operating income to assets | 1.1344% | 1,426 |
| Return on assets (ROA) | 1.1344% | 1,420 |
| Pretax return on assets | 1.1344% | 2,038 |
| Return on Equity (ROE) | 13.0598% | 1,020 |
| Retained earnings to average equity (ytd only) | -12.4021% | 4,603 |
| Net charge-offs to loans | 0.0052% | 1,569 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 237 |
| Efficiency ratio | 70.8502% | 2,118 |
| Assets per employee ($millions) | 3.4468% | 4,569 |
| Cash dividends to net income (ytd only)* | 194.9640% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 627 |
| Loan loss allowance to noncurrent loans | 641.7722% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 1,941 |
| Noncurrent loans to loans | 0.3101% | 2,347 |
| Net loans and leases to total assets | 50.5425% | 3,122 |
| Net loans and leases to deposits | 55.1003% | 3,337 |
| Net loans and leases to core deposits | 57.6442% | 3,327 |
| Total domestic deposits to total assets | 91.7282% | 688 |
| Equity capital to assets | 7.5438% | 3,905 |
| Core capital (leverage) ratio | 9.2224% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,036,000 | 3,542 |
| Average earning assets | $135,997,000 | 3,552 |
| Average equity | $12,772,000 | 3,784 |
| Average total loans | $76,900,500 | 3,511 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 1,558 |
| Cost of funding earning assets | 0.2244% | 3,203 |
| Net interest margin | 3.6964% | 1,227 |
| Noninterest income to average assets | 0.5400% | 2,398 |
| Noninterest expense to average assets | 2.7298% | 1,549 |
| Loan and lease loss provision to assets | 0.0311% | 2,434 |
| Net operating income to assets | 1.1844% | 1,972 |
| Return on assets (ROA) | 1.1913% | 2,013 |
| Pretax return on assets | 1.1913% | 2,694 |
| Return on Equity (ROE) | 12.1060% | 1,778 |
| Retained earnings to average equity (ytd only) | 4.3562% | 3,068 |
| Net charge-offs to loans | 0.0461% | 1,363 |
| Credit loss provision to net charge-offs | 121.6216% | 1,638 |
| Earnings coverage of net charge-offs (x) | 47.5135% | 1,329 |
| Efficiency ratio | 69.1903% | 1,833 |
| Assets per employee ($millions) | 3.3920% | 4,613 |
| Cash dividends to net income (ytd only)* | 64.0163% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 664 |
| Loan loss allowance to noncurrent loans | 841.8994% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 2,260 |
| Noncurrent loans to loans | 0.2314% | 2,802 |
| Net loans and leases to total assets | 52.0109% | 3,064 |
| Net loans and leases to deposits | 58.1541% | 3,241 |
| Net loans and leases to core deposits | 60.9524% | 3,249 |
| Total domestic deposits to total assets | 89.4363% | 1,276 |
| Equity capital to assets | 9.8472% | 2,801 |
| Core capital (leverage) ratio | 9.3892% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,628,200 | 3,537 |
| Average earning assets | $133,236,400 | 3,539 |
| Average equity | $14,232,600 | 3,713 |
| Average total loans | $80,240,200 | 3,481 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 1,725 |
| Cost of funding earning assets | 0.2323% | 3,296 |
| Net interest margin | 3.6799% | 1,385 |
| Noninterest income to average assets | 0.5829% | 2,286 |
| Noninterest expense to average assets | 2.6986% | 1,590 |
| Loan and lease loss provision to assets | 0.0603% | 1,787 |
| Net operating income to assets | 1.2047% | 2,154 |
| Return on assets (ROA) | 1.2139% | 2,178 |
| Pretax return on assets | 1.2139% | 2,885 |
| Return on Equity (ROE) | 12.3377% | 1,926 |
| Retained earnings to average equity (ytd only) | 3.1549% | 3,849 |
| Net charge-offs to loans | 0.0758% | 904 |
| Credit loss provision to net charge-offs | 141.3043% | 1,385 |
| Earnings coverage of net charge-offs (x) | 29.7609% | 1,526 |
| Efficiency ratio | 68.0886% | 1,817 |
| Assets per employee ($millions) | 3.3329% | 4,688 |
| Cash dividends to net income (ytd only)* | 74.4292% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 748 |
| Loan loss allowance to noncurrent loans | 133.6268% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 716 |
| Noncurrent loans to loans | 1.4320% | 741 |
| Net loans and leases to total assets | 54.2940% | 2,938 |
| Net loans and leases to deposits | 60.9344% | 3,145 |
| Net loans and leases to core deposits | 63.6650% | 3,171 |
| Total domestic deposits to total assets | 89.1024% | 1,227 |
| Equity capital to assets | 9.9863% | 2,916 |
| Core capital (leverage) ratio | 9.3411% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,320,750 | 3,578 |
| Average earning assets | $132,573,250 | 3,585 |
| Average equity | $14,200,000 | 3,768 |
| Average total loans | $80,958,000 | 3,511 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 1,821 |
| Cost of funding earning assets | 0.2488% | 3,291 |
| Net interest margin | 3.6493% | 1,466 |
| Noninterest income to average assets | 0.5931% | 2,252 |
| Noninterest expense to average assets | 2.6905% | 1,613 |
| Loan and lease loss provision to assets | 0.0553% | 1,925 |
| Net operating income to assets | 1.1932% | 2,214 |
| Return on assets (ROA) | 1.1932% | 2,283 |
| Pretax return on assets | 1.1932% | 2,931 |
| Return on Equity (ROE) | 12.1870% | 1,985 |
| Retained earnings to average equity (ytd only) | 0.2824% | 4,466 |
| Net charge-offs to loans | -0.0147% | 3,846 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3047% | 1,842 |
| Assets per employee ($millions) | 3.4030% | 4,696 |
| Cash dividends to net income (ytd only)* | 97.6825% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 785 |
| Loan loss allowance to noncurrent loans | 134.5819% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 785 |
| Noncurrent loans to loans | 1.3854% | 842 |
| Net loans and leases to total assets | 55.5755% | 2,955 |
| Net loans and leases to deposits | 62.0504% | 3,195 |
| Net loans and leases to core deposits | 64.5715% | 3,236 |
| Total domestic deposits to total assets | 89.5652% | 995 |
| Equity capital to assets | 9.6920% | 3,156 |
| Core capital (leverage) ratio | 8.9975% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,655,667 | 3,577 |
| Average earning assets | $132,629,667 | 3,601 |
| Average equity | $14,162,667 | 3,774 |
| Average total loans | $81,500,667 | 3,523 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 1,835 |
| Cost of funding earning assets | 0.2610% | 3,371 |
| Net interest margin | 3.6360% | 1,486 |
| Noninterest income to average assets | 0.6258% | 2,106 |
| Noninterest expense to average assets | 2.6811% | 1,667 |
| Loan and lease loss provision to assets | 0.0556% | 1,998 |
| Net operating income to assets | 1.2210% | 2,064 |
| Return on assets (ROA) | 1.2210% | 2,148 |
| Pretax return on assets | 1.2210% | 2,785 |
| Return on Equity (ROE) | 12.4073% | 1,869 |
| Retained earnings to average equity (ytd only) | -7.3200% | 4,756 |
| Net charge-offs to loans | 0.0049% | 1,735 |
| Credit loss provision to net charge-offs | 2,000.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 206 |
| Efficiency ratio | 67.7442% | 1,966 |
| Assets per employee ($millions) | 3.4473% | 4,710 |
| Cash dividends to net income (ytd only)* | 158.9977% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 743 |
| Loan loss allowance to noncurrent loans | 110.3198% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 745 |
| Noncurrent loans to loans | 1.7166% | 705 |
| Net loans and leases to total assets | 53.0519% | 3,344 |
| Net loans and leases to deposits | 58.9769% | 3,564 |
| Net loans and leases to core deposits | 63.3670% | 3,469 |
| Total domestic deposits to total assets | 89.9537% | 841 |
| Equity capital to assets | 9.3481% | 3,336 |
| Core capital (leverage) ratio | 8.9841% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,820,000 | 3,595 |
| Average earning assets | $131,792,500 | 3,613 |
| Average equity | $14,153,000 | 3,781 |
| Average total loans | $80,817,500 | 3,545 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,352 |
| Cost of funding earning assets | 0.3653% | 3,789 |
| Net interest margin | 4.1186% | 753 |
| Noninterest income to average assets | 0.5835% | 2,284 |
| Noninterest expense to average assets | 3.2758% | 934 |
| Loan and lease loss provision to assets | 0.1235% | 2,822 |
| Net operating income to assets | 0.9355% | 2,539 |
| Return on assets (ROA) | 0.9502% | 2,627 |
| Pretax return on assets | 0.9502% | 3,219 |
| Return on Equity (ROE) | 8.9178% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.4776% | 3,614 |
| Net charge-offs to loans | 0.0204% | 2,658 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 861 |
| Efficiency ratio | 75.5698% | 1,285 |
| Assets per employee ($millions) | 3.3192% | 4,714 |
| Cash dividends to net income (ytd only)* | 72.2177% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 799 |
| Loan loss allowance to noncurrent loans | 91.7381% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 757 |
| Noncurrent loans to loans | 2.0055% | 569 |
| Net loans and leases to total assets | 57.3698% | 3,157 |
| Net loans and leases to deposits | 64.3600% | 3,408 |
| Net loans and leases to core deposits | 68.8567% | 3,340 |
| Total domestic deposits to total assets | 89.1389% | 926 |
| Equity capital to assets | 10.3647% | 2,789 |
| Core capital (leverage) ratio | 9.5653% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,555,200 | 3,633 |
| Average earning assets | $118,000,000 | 3,644 |
| Average equity | $13,803,800 | 3,786 |
| Average total loans | $78,500,400 | 3,582 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,427 |
| Cost of funding earning assets | 0.3766% | 3,927 |
| Net interest margin | 4.1841% | 759 |
| Noninterest income to average assets | 0.5875% | 2,223 |
| Noninterest expense to average assets | 3.1095% | 1,223 |
| Loan and lease loss provision to assets | 0.1259% | 2,766 |
| Net operating income to assets | 1.1634% | 1,768 |
| Return on assets (ROA) | 1.1834% | 1,817 |
| Pretax return on assets | 1.1834% | 2,447 |
| Return on Equity (ROE) | 11.0241% | 1,671 |
| Retained earnings to average equity (ytd only) | 2.3358% | 3,806 |
| Net charge-offs to loans | -0.0086% | 4,188 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6892% | 1,793 |
| Assets per employee ($millions) | 3.2602% | 4,756 |
| Cash dividends to net income (ytd only)* | 78.8121% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 793 |
| Loan loss allowance to noncurrent loans | 98.5353% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 921 |
| Noncurrent loans to loans | 1.7842% | 746 |
| Net loans and leases to total assets | 60.3992% | 3,181 |
| Net loans and leases to deposits | 67.9612% | 3,467 |
| Net loans and leases to core deposits | 72.4895% | 3,434 |
| Total domestic deposits to total assets | 88.8731% | 822 |
| Equity capital to assets | 10.4317% | 2,847 |
| Core capital (leverage) ratio | 9.6208% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2982% | 1,730 |
| Memoranda: | ||
| Average total assets | $127,092,500 | 3,653 |
| Average earning assets | $115,770,000 | 3,669 |
| Average equity | $13,642,500 | 3,802 |
| Average total loans | $77,756,500 | 3,613 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 1,586 |
| Cost of funding earning assets | 0.3886% | 4,086 |
| Net interest margin | 4.2411% | 840 |
| Noninterest income to average assets | 0.5896% | 2,171 |
| Noninterest expense to average assets | 3.2210% | 1,121 |
| Loan and lease loss provision to assets | 0.0969% | 3,064 |
| Net operating income to assets | 1.1501% | 1,799 |
| Return on assets (ROA) | 1.1808% | 1,828 |
| Pretax return on assets | 1.1808% | 2,426 |
| Return on Equity (ROE) | 10.8872% | 1,669 |
| Retained earnings to average equity (ytd only) | -2.3532% | 4,615 |
| Net charge-offs to loans | -0.0132% | 4,285 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0897% | 1,671 |
| Assets per employee ($millions) | 3.2796% | 4,751 |
| Cash dividends to net income (ytd only)* | 121.6142% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 751 |
| Loan loss allowance to noncurrent loans | 98.5427% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 1,070 |
| Noncurrent loans to loans | 1.7640% | 802 |
| Net loans and leases to total assets | 58.2759% | 3,491 |
| Net loans and leases to deposits | 65.2498% | 3,784 |
| Net loans and leases to core deposits | 68.9317% | 3,792 |
| Total domestic deposits to total assets | 89.3120% | 640 |
| Equity capital to assets | 10.0724% | 3,140 |
| Core capital (leverage) ratio | 9.4350% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0497% | 1,793 |
| Memoranda: | ||
| Average total assets | $123,813,667 | 3,677 |
| Average earning assets | $113,225,333 | 3,685 |
| Average equity | $13,428,667 | 3,827 |
| Average total loans | $75,614,000 | 3,656 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 920 |
| Cost of funding earning assets | 0.4204% | 4,278 |
| Net interest margin | 4.6024% | 409 |
| Noninterest income to average assets | 0.6675% | 1,775 |
| Noninterest expense to average assets | 3.5259% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3385% | 1,138 |
| Return on assets (ROA) | 1.4035% | 1,048 |
| Pretax return on assets | 1.4035% | 1,554 |
| Return on Equity (ROE) | 12.4186% | 1,007 |
| Retained earnings to average equity (ytd only) | -10.4801% | 4,781 |
| Net charge-offs to loans | 0.0441% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.8750% | 910 |
| Efficiency ratio | 72.4842% | 2,005 |
| Assets per employee ($millions) | 2.8820% | 4,841 |
| Cash dividends to net income (ytd only)* | 184.3902% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 629 |
| Loan loss allowance to noncurrent loans | 102.7460% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,155 |
| Noncurrent loans to loans | 1.8295% | 816 |
| Net loans and leases to total assets | 58.0867% | 3,662 |
| Net loans and leases to deposits | 65.2435% | 3,911 |
| Net loans and leases to core deposits | 69.2549% | 3,925 |
| Total domestic deposits to total assets | 89.0305% | 648 |
| Equity capital to assets | 10.7439% | 3,101 |
| Core capital (leverage) ratio | 10.5985% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6810% | 1,425 |
| Memoranda: | ||
| Average total assets | $116,849,000 | 3,753 |
| Average earning assets | $106,554,000 | 3,779 |
| Average equity | $13,206,000 | 3,860 |
| Average total loans | $72,575,500 | 3,714 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4165% | 652 |
| Cost of funding earning assets | 0.4179% | 4,381 |
| Net interest margin | 4.9986% | 273 |
| Noninterest income to average assets | 0.7671% | 1,556 |
| Noninterest expense to average assets | 3.7021% | 763 |
| Loan and lease loss provision to assets | 0.0983% | 2,084 |
| Net operating income to assets | 1.5323% | 984 |
| Return on assets (ROA) | 1.5377% | 1,025 |
| Pretax return on assets | 1.5377% | 1,690 |
| Return on Equity (ROE) | 13.3898% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.4487% | 3,279 |
| Net charge-offs to loans | 0.0496% | 2,403 |
| Credit loss provision to net charge-offs | 305.5556% | 907 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 1,121 |
| Efficiency ratio | 69.4216% | 2,260 |
| Assets per employee ($millions) | 2.6822% | 4,948 |
| Cash dividends to net income (ytd only)* | 74.2442% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 611 |
| Loan loss allowance to noncurrent loans | 150.2217% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 1,346 |
| Noncurrent loans to loans | 1.2273% | 1,219 |
| Net loans and leases to total assets | 64.0356% | 3,195 |
| Net loans and leases to deposits | 73.0941% | 3,429 |
| Net loans and leases to core deposits | 75.1884% | 3,636 |
| Total domestic deposits to total assets | 87.6071% | 1,311 |
| Equity capital to assets | 11.9011% | 2,199 |
| Core capital (leverage) ratio | 11.0636% | 2,448 |
| Tier 1 risk-based capital ratio | 15.3286% | 2,644 |
| Total risk-based capital ratio | 16.5836% | 2,576 |
| Memoranda: | ||
| Average total assets | $111,855,400 | 3,809 |
| Average earning assets | $102,169,400 | 3,831 |
| Average equity | $12,845,600 | 3,897 |
| Average total loans | $72,519,800 | 3,724 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4033% | 688 |
| Cost of funding earning assets | 0.3989% | 4,510 |
| Net interest margin | 5.0043% | 288 |
| Noninterest income to average assets | 0.7774% | 1,493 |
| Noninterest expense to average assets | 3.6217% | 825 |
| Loan and lease loss provision to assets | 0.0955% | 2,005 |
| Net operating income to assets | 1.6288% | 864 |
| Return on assets (ROA) | 1.6359% | 897 |
| Pretax return on assets | 1.6359% | 1,510 |
| Return on Equity (ROE) | 14.3769% | 913 |
| Retained earnings to average equity (ytd only) | 2.7809% | 3,981 |
| Net charge-offs to loans | 0.0498% | 2,122 |
| Credit loss provision to net charge-offs | 296.2963% | 958 |
| Earnings coverage of net charge-offs (x) | 53.4803% | 1,140 |
| Efficiency ratio | 67.7463% | 2,465 |
| Assets per employee ($millions) | 2.7704% | 4,985 |
| Cash dividends to net income (ytd only)* | 80.6572% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 755 |
| Loan loss allowance to noncurrent loans | 100.2254% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 1,135 |
| Noncurrent loans to loans | 1.7367% | 839 |
| Net loans and leases to total assets | 64.7184% | 3,212 |
| Net loans and leases to deposits | 73.6674% | 3,504 |
| Net loans and leases to core deposits | 75.8993% | 3,704 |
| Total domestic deposits to total assets | 87.8521% | 1,100 |
| Equity capital to assets | 11.4681% | 2,680 |
| Core capital (leverage) ratio | 10.8643% | 2,778 |
| Tier 1 risk-based capital ratio | 14.9248% | 2,884 |
| Total risk-based capital ratio | 16.1795% | 2,813 |
| Memoranda: | ||
| Average total assets | $111,656,000 | 3,851 |
| Average earning assets | $101,935,750 | 3,875 |
| Average equity | $12,705,250 | 3,952 |
| Average total loans | $72,276,500 | 3,773 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3753% | 708 |
| Cost of funding earning assets | 0.3839% | 4,568 |
| Net interest margin | 4.9913% | 295 |
| Noninterest income to average assets | 0.7812% | 1,406 |
| Noninterest expense to average assets | 3.6898% | 762 |
| Loan and lease loss provision to assets | 0.0908% | 2,036 |
| Net operating income to assets | 1.5587% | 996 |
| Return on assets (ROA) | 1.5696% | 1,013 |
| Pretax return on assets | 1.5696% | 1,640 |
| Return on Equity (ROE) | 13.8325% | 1,015 |
| Retained earnings to average equity (ytd only) | -1.5369% | 4,881 |
| Net charge-offs to loans | 0.0424% | 2,051 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 60.5333% | 978 |
| Efficiency ratio | 69.1051% | 2,369 |
| Assets per employee ($millions) | 2.6768% | 5,069 |
| Cash dividends to net income (ytd only)* | 111.1111% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 729 |
| Loan loss allowance to noncurrent loans | 106.2147% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 1,230 |
| Noncurrent loans to loans | 1.6624% | 920 |
| Net loans and leases to total assets | 65.1246% | 3,221 |
| Net loans and leases to deposits | 74.0119% | 3,516 |
| Net loans and leases to core deposits | 76.0570% | 3,723 |
| Total domestic deposits to total assets | 87.9921% | 1,104 |
| Equity capital to assets | 11.4822% | 2,616 |
| Core capital (leverage) ratio | 10.8572% | 2,734 |
| Tier 1 risk-based capital ratio | 14.5385% | 3,051 |
| Total risk-based capital ratio | 15.7922% | 2,969 |
| Memoranda: | ||
| Average total assets | $110,088,670 | 3,896 |
| Average earning assets | $100,534,000 | 3,923 |
| Average equity | $12,492,330 | 3,982 |
| Average total loans | $70,822,330 | 3,822 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 701 |
| Cost of funding earning assets | 0.3664% | 4,618 |
| Net interest margin | 4.9770% | 289 |
| Noninterest income to average assets | 0.8593% | 1,148 |
| Noninterest expense to average assets | 3.7679% | 681 |
| Loan and lease loss provision to assets | 0.1102% | 1,618 |
| Net operating income to assets | 1.5204% | 1,071 |
| Return on assets (ROA) | 1.5204% | 1,096 |
| Pretax return on assets | 1.5204% | 1,703 |
| Return on Equity (ROE) | 13.4810% | 1,090 |
| Retained earnings to average equity (ytd only) | -13.0251% | 5,174 |
| Net charge-offs to loans | 0.0348% | 1,772 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 816 |
| Efficiency ratio | 69.7959% | 2,379 |
| Assets per employee ($millions) | 2.5602% | 5,166 |
| Cash dividends to net income (ytd only)* | 196.6184% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 639 |
| Loan loss allowance to noncurrent loans | 93.0813% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 1,001 |
| Noncurrent loans to loans | 1.9920% | 747 |
| Net loans and leases to total assets | 62.7441% | 3,428 |
| Net loans and leases to deposits | 71.0020% | 3,691 |
| Net loans and leases to core deposits | 72.8010% | 3,885 |
| Total domestic deposits to total assets | 88.3695% | 1,147 |
| Equity capital to assets | 11.1591% | 2,698 |
| Core capital (leverage) ratio | 10.7711% | 2,786 |
| Tier 1 risk-based capital ratio | 15.2169% | 2,785 |
| Total risk-based capital ratio | 16.4718% | 2,690 |
| Memoranda: | ||
| Average total assets | $108,920,000 | 3,952 |
| Average earning assets | $99,336,500 | 3,979 |
| Average equity | $12,284,000 | 4,026 |
| Average total loans | $68,967,000 | 3,891 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 725 |
| Cost of funding earning assets | 0.3176% | 4,483 |
| Net interest margin | 4.8596% | 351 |
| Noninterest income to average assets | 0.7572% | 1,613 |
| Noninterest expense to average assets | 3.5408% | 945 |
| Loan and lease loss provision to assets | 0.1010% | 2,168 |
| Net operating income to assets | 1.5644% | 961 |
| Return on assets (ROA) | 1.5644% | 953 |
| Pretax return on assets | 1.5644% | 1,574 |
| Return on Equity (ROE) | 15.1890% | 781 |
| Retained earnings to average equity (ytd only) | 5.3984% | 2,537 |
| Net charge-offs to loans | 0.1300% | 1,453 |
| Credit loss provision to net charge-offs | 122.3404% | 2,133 |
| Earnings coverage of net charge-offs (x) | 20.1702% | 2,014 |
| Efficiency ratio | 68.0108% | 2,544 |
| Assets per employee ($millions) | 2.5058% | 5,208 |
| Cash dividends to net income (ytd only)* | 64.4582% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 578 |
| Loan loss allowance to noncurrent loans | 105.8678% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 1,106 |
| Noncurrent loans to loans | 1.7912% | 797 |
| Net loans and leases to total assets | 61.5063% | 3,616 |
| Net loans and leases to deposits | 69.7633% | 3,847 |
| Net loans and leases to core deposits | 72.7523% | 3,936 |
| Total domestic deposits to total assets | 88.1643% | 1,225 |
| Equity capital to assets | 11.3995% | 2,331 |
| Core capital (leverage) ratio | 10.8031% | 2,734 |
| Tier 1 risk-based capital ratio | 15.8947% | 2,445 |
| Total risk-based capital ratio | 17.1499% | 2,381 |
| Memoranda: | ||
| Average total assets | $113,843,800 | 3,887 |
| Average earning assets | $104,227,200 | 3,914 |
| Average equity | $11,725,600 | 4,058 |
| Average total loans | $72,323,800 | 3,823 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0962% | 761 |
| Cost of funding earning assets | 0.2826% | 4,617 |
| Net interest margin | 4.8137% | 370 |
| Noninterest income to average assets | 0.7362% | 1,730 |
| Noninterest expense to average assets | 3.4116% | 1,102 |
| Loan and lease loss provision to assets | 0.0982% | 2,027 |
| Net operating income to assets | 1.6365% | 877 |
| Return on assets (ROA) | 1.6376% | 878 |
| Pretax return on assets | 1.6376% | 1,455 |
| Return on Equity (ROE) | 16.3063% | 646 |
| Retained earnings to average equity (ytd only) | 4.9713% | 3,253 |
| Net charge-offs to loans | 0.0617% | 1,943 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 44.1491% | 1,270 |
| Efficiency ratio | 66.2924% | 2,815 |
| Assets per employee ($millions) | 2.7050% | 5,208 |
| Cash dividends to net income (ytd only)* | 69.5129% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 819 |
| Loan loss allowance to noncurrent loans | 104.8839% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3928% | 958 |
| Noncurrent loans to loans | 1.6535% | 948 |
| Net loans and leases to total assets | 63.8166% | 3,449 |
| Net loans and leases to deposits | 71.4518% | 3,810 |
| Net loans and leases to core deposits | 74.9609% | 3,883 |
| Total domestic deposits to total assets | 89.3142% | 729 |
| Equity capital to assets | 10.0754% | 3,565 |
| Core capital (leverage) ratio | 10.4337% | 3,147 |
| Tier 1 risk-based capital ratio | 14.0769% | 3,333 |
| Total risk-based capital ratio | 15.3304% | 3,242 |
| Memoranda: | ||
| Average total assets | $115,367,250 | 3,904 |
| Average earning assets | $105,696,500 | 3,921 |
| Average equity | $11,586,250 | 4,113 |
| Average total loans | $73,516,250 | 3,838 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 751 |
| Cost of funding earning assets | 0.2677% | 4,649 |
| Net interest margin | 4.7707% | 375 |
| Noninterest income to average assets | 0.7510% | 1,643 |
| Noninterest expense to average assets | 3.4037% | 1,132 |
| Loan and lease loss provision to assets | 0.0956% | 2,018 |
| Net operating income to assets | 1.6201% | 878 |
| Return on assets (ROA) | 1.6201% | 880 |
| Pretax return on assets | 1.6201% | 1,439 |
| Return on Equity (ROE) | 16.1497% | 639 |
| Retained earnings to average equity (ytd only) | 1.8021% | 4,520 |
| Net charge-offs to loans | 0.0961% | 1,391 |
| Credit loss provision to net charge-offs | 157.1429% | 1,531 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,563 |
| Efficiency ratio | 66.4856% | 2,895 |
| Assets per employee ($millions) | 2.6972% | 5,267 |
| Cash dividends to net income (ytd only)* | 88.8412% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7371% | 841 |
| Loan loss allowance to noncurrent loans | 238.3613% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,915 |
| Noncurrent loans to loans | 0.7288% | 2,285 |
| Net loans and leases to total assets | 62.4297% | 3,549 |
| Net loans and leases to deposits | 69.6969% | 3,886 |
| Net loans and leases to core deposits | 73.8573% | 3,890 |
| Total domestic deposits to total assets | 89.5732% | 717 |
| Equity capital to assets | 9.9957% | 3,623 |
| Core capital (leverage) ratio | 10.0101% | 3,571 |
| Tier 1 risk-based capital ratio | 13.8753% | 3,422 |
| Total risk-based capital ratio | 15.1289% | 3,335 |
| Memoranda: | ||
| Average total assets | $115,052,000 | 3,937 |
| Average earning assets | $105,351,330 | 3,961 |
| Average equity | $11,542,000 | 4,146 |
| Average total loans | $72,842,670 | 3,873 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 762 |
| Cost of funding earning assets | 0.2556% | 4,678 |
| Net interest margin | 4.7044% | 404 |
| Noninterest income to average assets | 0.8064% | 1,431 |
| Noninterest expense to average assets | 3.4419% | 1,095 |
| Loan and lease loss provision to assets | 0.0873% | 2,056 |
| Net operating income to assets | 1.5813% | 897 |
| Return on assets (ROA) | 1.5813% | 903 |
| Pretax return on assets | 1.5813% | 1,448 |
| Return on Equity (ROE) | 15.7339% | 670 |
| Retained earnings to average equity (ytd only) | -7.8843% | 5,302 |
| Net charge-offs to loans | 0.0497% | 1,602 |
| Credit loss provision to net charge-offs | 277.7778% | 862 |
| Earnings coverage of net charge-offs (x) | 53.1111% | 919 |
| Efficiency ratio | 67.3497% | 2,945 |
| Assets per employee ($millions) | 2.7021% | 5,330 |
| Cash dividends to net income (ytd only)* | 150.1104% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 750 |
| Loan loss allowance to noncurrent loans | 182.5465% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 1,710 |
| Noncurrent loans to loans | 0.9979% | 1,833 |
| Net loans and leases to total assets | 59.1882% | 3,834 |
| Net loans and leases to deposits | 65.8181% | 4,100 |
| Net loans and leases to core deposits | 69.5404% | 4,108 |
| Total domestic deposits to total assets | 89.9270% | 689 |
| Equity capital to assets | 9.7107% | 3,873 |
| Core capital (leverage) ratio | 10.3092% | 3,181 |
| Tier 1 risk-based capital ratio | 13.8741% | 3,447 |
| Total risk-based capital ratio | 15.1273% | 3,361 |
| Memoranda: | ||
| Average total assets | $114,588,000 | 3,983 |
| Average earning assets | $104,838,000 | 4,016 |
| Average equity | $11,516,500 | 4,190 |
| Average total loans | $72,421,000 | 3,922 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 506 |
| Cost of funding earning assets | 0.1961% | 4,978 |
| Net interest margin | 4.9295% | 268 |
| Noninterest income to average assets | 0.7373% | 1,813 |
| Noninterest expense to average assets | 3.7169% | 776 |
| Loan and lease loss provision to assets | 0.0835% | 2,533 |
| Net operating income to assets | 1.4124% | 985 |
| Return on assets (ROA) | 1.4374% | 947 |
| Pretax return on assets | 1.4374% | 1,863 |
| Return on Equity (ROE) | 13.6343% | 824 |
| Retained earnings to average equity (ytd only) | 5.4713% | 1,830 |
| Net charge-offs to loans | 0.0167% | 3,536 |
| Credit loss provision to net charge-offs | 750.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 134.4167% | 514 |
| Efficiency ratio | 71.3040% | 2,335 |
| Assets per employee ($millions) | 2.6275% | 5,409 |
| Cash dividends to net income (ytd only)* | 59.8710% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 969 |
| Loan loss allowance to noncurrent loans | 141.7323% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 1,336 |
| Noncurrent loans to loans | 1.1886% | 1,497 |
| Net loans and leases to total assets | 65.0836% | 3,215 |
| Net loans and leases to deposits | 72.9417% | 3,605 |
| Net loans and leases to core deposits | 75.4969% | 3,776 |
| Total domestic deposits to total assets | 89.2268% | 900 |
| Equity capital to assets | 10.3997% | 3,270 |
| Core capital (leverage) ratio | 10.8163% | 2,521 |
| Tier 1 risk-based capital ratio | 13.9595% | 3,386 |
| Total risk-based capital ratio | 15.2126% | 3,288 |
| Memoranda: | ||
| Average total assets | $107,832,400 | 4,101 |
| Average earning assets | $97,900,200 | 4,135 |
| Average equity | $11,368,400 | 4,240 |
| Average total loans | $71,678,200 | 3,923 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 467 |
| Cost of funding earning assets | 0.1907% | 5,050 |
| Net interest margin | 4.9497% | 251 |
| Noninterest income to average assets | 0.7383% | 1,840 |
| Noninterest expense to average assets | 3.6591% | 805 |
| Loan and lease loss provision to assets | 0.0751% | 2,568 |
| Net operating income to assets | 1.4867% | 924 |
| Return on assets (ROA) | 1.5205% | 882 |
| Pretax return on assets | 1.5205% | 1,706 |
| Return on Equity (ROE) | 14.3703% | 761 |
| Retained earnings to average equity (ytd only) | 4.7901% | 3,025 |
| Net charge-offs to loans | 0.0376% | 2,688 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 62.3907% | 968 |
| Efficiency ratio | 70.0863% | 2,520 |
| Assets per employee ($millions) | 2.5424% | 5,506 |
| Cash dividends to net income (ytd only)* | 66.6665% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,077 |
| Loan loss allowance to noncurrent loans | 89.5894% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2792% | 1,261 |
| Noncurrent loans to loans | 1.8701% | 931 |
| Net loans and leases to total assets | 67.1621% | 2,960 |
| Net loans and leases to deposits | 75.8910% | 3,386 |
| Net loans and leases to core deposits | 78.0848% | 3,626 |
| Total domestic deposits to total assets | 88.4981% | 1,123 |
| Equity capital to assets | 11.0019% | 2,857 |
| Core capital (leverage) ratio | 10.6572% | 2,819 |
| Tier 1 risk-based capital ratio | 13.9543% | 3,464 |
| Total risk-based capital ratio | 15.2063% | 3,390 |
| Memoranda: | ||
| Average total assets | $106,544,500 | 4,169 |
| Average earning assets | $96,489,000 | 4,196 |
| Average equity | $11,273,000 | 4,301 |
| Average total loans | $70,899,250 | 3,971 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 487 |
| Cost of funding earning assets | 0.1872% | 5,088 |
| Net interest margin | 4.9004% | 260 |
| Noninterest income to average assets | 0.7927% | 1,598 |
| Noninterest expense to average assets | 3.6819% | 786 |
| Loan and lease loss provision to assets | 0.1127% | 1,819 |
| Net operating income to assets | 1.4239% | 1,008 |
| Return on assets (ROA) | 1.4747% | 930 |
| Pretax return on assets | 1.4747% | 1,739 |
| Return on Equity (ROE) | 14.1255% | 794 |
| Retained earnings to average equity (ytd only) | 1.8714% | 4,498 |
| Net charge-offs to loans | 0.0342% | 2,505 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 68.1667% | 857 |
| Efficiency ratio | 70.5544% | 2,574 |
| Assets per employee ($millions) | 2.5080% | 5,548 |
| Cash dividends to net income (ytd only)* | 86.7516% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 1,061 |
| Loan loss allowance to noncurrent loans | 89.6501% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 1,004 |
| Noncurrent loans to loans | 1.8968% | 918 |
| Net loans and leases to total assets | 65.9310% | 3,116 |
| Net loans and leases to deposits | 74.0659% | 3,542 |
| Net loans and leases to core deposits | 76.1717% | 3,754 |
| Total domestic deposits to total assets | 89.0167% | 944 |
| Equity capital to assets | 10.6235% | 3,205 |
| Core capital (leverage) ratio | 10.3524% | 3,066 |
| Tier 1 risk-based capital ratio | 13.5320% | 3,686 |
| Total risk-based capital ratio | 14.7848% | 3,597 |
| Memoranda: | ||
| Average total assets | $106,465,330 | 4,196 |
| Average earning assets | $96,155,330 | 4,229 |
| Average equity | $11,114,670 | 4,343 |
| Average total loans | $70,219,330 | 4,008 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 537 |
| Cost of funding earning assets | 0.1805% | 5,150 |
| Net interest margin | 4.8034% | 311 |
| Noninterest income to average assets | 0.8622% | 1,354 |
| Noninterest expense to average assets | 3.6833% | 795 |
| Loan and lease loss provision to assets | 0.1134% | 1,688 |
| Net operating income to assets | 1.3916% | 1,015 |
| Return on assets (ROA) | 1.3916% | 1,048 |
| Pretax return on assets | 1.3916% | 1,919 |
| Return on Equity (ROE) | 13.4509% | 912 |
| Retained earnings to average equity (ytd only) | -7.2006% | 5,496 |
| Net charge-offs to loans | 0.1215% | 1,197 |
| Credit loss provision to net charge-offs | 142.8571% | 1,245 |
| Earnings coverage of net charge-offs (x) | 18.9524% | 1,551 |
| Efficiency ratio | 70.9913% | 2,737 |
| Assets per employee ($millions) | 2.6655% | 5,562 |
| Cash dividends to net income (ytd only)* | 153.5326% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 1,140 |
| Loan loss allowance to noncurrent loans | 103.5652% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 1,291 |
| Noncurrent loans to loans | 1.6420% | 1,180 |
| Net loans and leases to total assets | 64.5695% | 3,188 |
| Net loans and leases to deposits | 73.0332% | 3,509 |
| Net loans and leases to core deposits | 74.3408% | 3,802 |
| Total domestic deposits to total assets | 88.4112% | 1,479 |
| Equity capital to assets | 10.2983% | 3,407 |
| Core capital (leverage) ratio | 10.2618% | 3,175 |
| Tier 1 risk-based capital ratio | 13.6128% | 3,711 |
| Total risk-based capital ratio | 14.8654% | 3,619 |
| Memoranda: | ||
| Average total assets | $105,775,000 | 4,251 |
| Average earning assets | $95,266,500 | 4,289 |
| Average equity | $10,943,500 | 4,397 |
| Average total loans | $69,162,000 | 4,075 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 579 |
| Cost of funding earning assets | 0.1713% | 5,278 |
| Net interest margin | 4.8400% | 323 |
| Noninterest income to average assets | 0.8763% | 1,492 |
| Noninterest expense to average assets | 3.6177% | 985 |
| Loan and lease loss provision to assets | 0.1144% | 2,155 |
| Net operating income to assets | 1.5085% | 817 |
| Return on assets (ROA) | 1.5085% | 839 |
| Pretax return on assets | 1.5085% | 1,560 |
| Return on Equity (ROE) | 14.7294% | 663 |
| Retained earnings to average equity (ytd only) | 7.9978% | 856 |
| Net charge-offs to loans | 0.0619% | 2,826 |
| Credit loss provision to net charge-offs | 285.7143% | 1,017 |
| Earnings coverage of net charge-offs (x) | 40.5238% | 1,163 |
| Efficiency ratio | 69.0320% | 3,067 |
| Assets per employee ($millions) | 2.6233% | 5,604 |
| Cash dividends to net income (ytd only)* | 45.7016% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 1,083 |
| Loan loss allowance to noncurrent loans | 100.1695% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 1,260 |
| Noncurrent loans to loans | 1.7280% | 1,114 |
| Net loans and leases to total assets | 63.9541% | 3,364 |
| Net loans and leases to deposits | 71.6052% | 3,752 |
| Net loans and leases to core deposits | 72.8964% | 4,020 |
| Total domestic deposits to total assets | 89.3148% | 946 |
| Equity capital to assets | 10.3945% | 3,277 |
| Core capital (leverage) ratio | 10.4463% | 2,935 |
| Tier 1 risk-based capital ratio | 13.9604% | 3,482 |
| Total risk-based capital ratio | 15.2137% | 3,397 |
| Memoranda: | ||
| Average total assets | $104,873,000 | 4,261 |
| Average earning assets | $94,565,600 | 4,297 |
| Average equity | $10,740,400 | 4,457 |
| Average total loans | $67,847,600 | 4,094 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 597 |
| Cost of funding earning assets | 0.1694% | 5,351 |
| Net interest margin | 4.8345% | 341 |
| Noninterest income to average assets | 0.9002% | 1,403 |
| Noninterest expense to average assets | 3.6289% | 952 |
| Loan and lease loss provision to assets | 0.1144% | 2,022 |
| Net operating income to assets | 1.5118% | 859 |
| Return on assets (ROA) | 1.5118% | 910 |
| Pretax return on assets | 1.5118% | 1,677 |
| Return on Equity (ROE) | 14.8175% | 690 |
| Retained earnings to average equity (ytd only) | 7.6767% | 1,325 |
| Net charge-offs to loans | 0.0571% | 2,543 |
| Credit loss provision to net charge-offs | 310.3448% | 1,005 |
| Earnings coverage of net charge-offs (x) | 44.0985% | 1,166 |
| Efficiency ratio | 69.0540% | 3,033 |
| Assets per employee ($millions) | 2.6302% | 5,654 |
| Cash dividends to net income (ytd only)* | 48.1918% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 1,103 |
| Loan loss allowance to noncurrent loans | 74.1566% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.4951% | 1,205 |
| Noncurrent loans to loans | 2.3590% | 774 |
| Net loans and leases to total assets | 62.1936% | 3,623 |
| Net loans and leases to deposits | 69.9561% | 3,992 |
| Net loans and leases to core deposits | 71.4230% | 4,214 |
| Total domestic deposits to total assets | 88.9038% | 959 |
| Equity capital to assets | 10.6020% | 3,452 |
| Core capital (leverage) ratio | 10.1166% | 3,417 |
| Tier 1 risk-based capital ratio | 13.8211% | 3,653 |
| Total risk-based capital ratio | 15.0745% | 3,578 |
| Memoranda: | ||
| Average total assets | $104,858,750 | 4,300 |
| Average earning assets | $94,458,500 | 4,337 |
| Average equity | $10,698,750 | 4,508 |
| Average total loans | $67,737,250 | 4,129 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 640 |
| Cost of funding earning assets | 0.1633% | 5,467 |
| Net interest margin | 4.7921% | 374 |
| Noninterest income to average assets | 0.8058% | 1,692 |
| Noninterest expense to average assets | 3.5707% | 1,047 |
| Loan and lease loss provision to assets | 0.1146% | 1,973 |
| Net operating income to assets | 1.4340% | 998 |
| Return on assets (ROA) | 1.4340% | 1,047 |
| Pretax return on assets | 1.4340% | 1,890 |
| Return on Equity (ROE) | 14.2410% | 791 |
| Retained earnings to average equity (ytd only) | 5.7457% | 2,269 |
| Net charge-offs to loans | 0.0587% | 2,350 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 40.5500% | 1,149 |
| Efficiency ratio | 69.7501% | 3,019 |
| Assets per employee ($millions) | 2.5730% | 5,750 |
| Cash dividends to net income (ytd only)* | 59.6538% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,386 |
| Loan loss allowance to noncurrent loans | 165.0794% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 3,031 |
| Noncurrent loans to loans | 1.0027% | 2,283 |
| Net loans and leases to total assets | 64.4305% | 3,300 |
| Net loans and leases to deposits | 72.2120% | 3,765 |
| Net loans and leases to core deposits | 73.5171% | 4,030 |
| Total domestic deposits to total assets | 89.2241% | 798 |
| Equity capital to assets | 10.3474% | 3,801 |
| Core capital (leverage) ratio | 9.7119% | 3,914 |
| Tier 1 risk-based capital ratio | 13.0923% | 4,146 |
| Total risk-based capital ratio | 14.3451% | 4,065 |
| Memoranda: | ||
| Average total assets | $104,742,670 | 4,338 |
| Average earning assets | $94,280,000 | 4,378 |
| Average equity | $10,547,000 | 4,555 |
| Average total loans | $68,117,330 | 4,142 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 665 |
| Cost of funding earning assets | 0.1614% | 5,536 |
| Net interest margin | 4.7665% | 384 |
| Noninterest income to average assets | 0.8317% | 1,508 |
| Noninterest expense to average assets | 3.5567% | 1,090 |
| Loan and lease loss provision to assets | 0.1150% | 1,821 |
| Net operating income to assets | 1.4602% | 917 |
| Return on assets (ROA) | 1.4602% | 961 |
| Pretax return on assets | 1.4602% | 1,716 |
| Return on Equity (ROE) | 14.7069% | 719 |
| Retained earnings to average equity (ytd only) | 2.6634% | 4,180 |
| Net charge-offs to loans | 0.0355% | 2,266 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 711 |
| Efficiency ratio | 69.3055% | 3,249 |
| Assets per employee ($millions) | 2.6227% | 5,777 |
| Cash dividends to net income (ytd only)* | 81.8898% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,457 |
| Loan loss allowance to noncurrent loans | 179.6178% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 3,304 |
| Noncurrent loans to loans | 0.9243% | 2,536 |
| Net loans and leases to total assets | 62.1356% | 3,505 |
| Net loans and leases to deposits | 68.9924% | 3,955 |
| Net loans and leases to core deposits | 70.3909% | 4,217 |
| Total domestic deposits to total assets | 90.0615% | 578 |
| Equity capital to assets | 9.7153% | 4,434 |
| Core capital (leverage) ratio | 9.5859% | 4,051 |
| Tier 1 risk-based capital ratio | 12.8440% | 4,361 |
| Total risk-based capital ratio | 14.0965% | 4,269 |
| Memoranda: | ||
| Average total assets | $104,366,500 | 4,382 |
| Average earning assets | $94,158,000 | 4,422 |
| Average equity | $10,362,500 | 4,603 |
| Average total loans | $67,618,500 | 4,171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 731 |
| Cost of funding earning assets | 0.1613% | 5,597 |
| Net interest margin | 4.7611% | 405 |
| Noninterest income to average assets | 0.8601% | 1,569 |
| Noninterest expense to average assets | 3.7244% | 949 |
| Loan and lease loss provision to assets | 0.1168% | 2,044 |
| Net operating income to assets | 1.2979% | 1,271 |
| Return on assets (ROA) | 1.3417% | 1,207 |
| Pretax return on assets | 1.3417% | 2,126 |
| Return on Equity (ROE) | 13.8487% | 866 |
| Retained earnings to average equity (ytd only) | 6.3670% | 1,621 |
| Net charge-offs to loans | 0.0538% | 3,129 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | 41.5429% | 1,140 |
| Efficiency ratio | 72.4725% | 2,830 |
| Assets per employee ($millions) | 2.4683% | 5,907 |
| Cash dividends to net income (ytd only)* | 54.0247% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,496 |
| Loan loss allowance to noncurrent loans | 165.0224% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 3,053 |
| Noncurrent loans to loans | 0.9941% | 2,350 |
| Net loans and leases to total assets | 65.4038% | 3,068 |
| Net loans and leases to deposits | 73.0155% | 3,613 |
| Net loans and leases to core deposits | 74.5996% | 3,882 |
| Total domestic deposits to total assets | 89.5753% | 810 |
| Equity capital to assets | 10.1559% | 3,799 |
| Core capital (leverage) ratio | 9.5482% | 4,103 |
| Tier 1 risk-based capital ratio | 13.4474% | 4,033 |
| Total risk-based capital ratio | 14.7004% | 3,972 |
| Memoranda: | ||
| Average total assets | $102,780,600 | 4,410 |
| Average earning assets | $92,373,200 | 4,463 |
| Average equity | $9,957,600 | 4,666 |
| Average total loans | $65,017,000 | 4,229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 808 |
| Cost of funding earning assets | 0.1598% | 5,708 |
| Net interest margin | 4.7159% | 441 |
| Noninterest income to average assets | 0.8193% | 1,728 |
| Noninterest expense to average assets | 3.5938% | 1,125 |
| Loan and lease loss provision to assets | 0.1163% | 1,947 |
| Net operating income to assets | 1.3427% | 1,242 |
| Return on assets (ROA) | 1.4021% | 1,147 |
| Pretax return on assets | 1.4021% | 2,000 |
| Return on Equity (ROE) | 14.6457% | 786 |
| Retained earnings to average equity (ytd only) | 7.8560% | 1,300 |
| Net charge-offs to loans | 0.0083% | 3,878 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 282.4203% | 252 |
| Efficiency ratio | 71.1253% | 3,024 |
| Assets per employee ($millions) | 2.4108% | 5,999 |
| Cash dividends to net income (ytd only)* | 46.3595% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 1,739 |
| Loan loss allowance to noncurrent loans | 156.2942% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 3,201 |
| Noncurrent loans to loans | 1.0330% | 2,407 |
| Net loans and leases to total assets | 64.9557% | 3,165 |
| Net loans and leases to deposits | 72.4233% | 3,717 |
| Net loans and leases to core deposits | 74.1719% | 4,002 |
| Total domestic deposits to total assets | 89.6890% | 697 |
| Equity capital to assets | 9.8817% | 4,299 |
| Core capital (leverage) ratio | 9.3419% | 4,521 |
| Tier 1 risk-based capital ratio | 13.1058% | 4,373 |
| Total risk-based capital ratio | 14.3586% | 4,290 |
| Memoranda: | ||
| Average total assets | $103,175,250 | 4,447 |
| Average earning assets | $92,619,750 | 4,506 |
| Average equity | $9,877,500 | 4,734 |
| Average total loans | $64,447,750 | 4,291 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 965 |
| Cost of funding earning assets | 0.1586% | 5,788 |
| Net interest margin | 4.6026% | 530 |
| Noninterest income to average assets | 0.8407% | 1,632 |
| Noninterest expense to average assets | 3.5996% | 1,131 |
| Loan and lease loss provision to assets | 0.1165% | 1,903 |
| Net operating income to assets | 1.2387% | 1,499 |
| Return on assets (ROA) | 1.2387% | 1,564 |
| Pretax return on assets | 1.2387% | 2,610 |
| Return on Equity (ROE) | 13.0800% | 1,096 |
| Retained earnings to average equity (ytd only) | 4.9204% | 2,906 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6489% | 2,906 |
| Assets per employee ($millions) | 2.4845% | 6,039 |
| Cash dividends to net income (ytd only)* | 62.3824% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,687 |
| Loan loss allowance to noncurrent loans | 149.8611% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 3,315 |
| Noncurrent loans to loans | 1.1136% | 2,428 |
| Net loans and leases to total assets | 59.5082% | 3,904 |
| Net loans and leases to deposits | 65.7419% | 4,359 |
| Net loans and leases to core deposits | 67.2673% | 4,552 |
| Total domestic deposits to total assets | 90.5180% | 444 |
| Equity capital to assets | 9.2049% | 5,010 |
| Core capital (leverage) ratio | 9.1901% | 4,711 |
| Tier 1 risk-based capital ratio | 13.1621% | 4,421 |
| Total risk-based capital ratio | 14.4146% | 4,339 |
| Memoranda: | ||
| Average total assets | $103,011,670 | 4,490 |
| Average earning assets | $92,077,670 | 4,555 |
| Average equity | $9,755,330 | 4,795 |
| Average total loans | $63,116,330 | 4,364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 975 |
| Cost of funding earning assets | 0.1591% | 5,850 |
| Net interest margin | 4.5751% | 529 |
| Noninterest income to average assets | 0.9456% | 1,245 |
| Noninterest expense to average assets | 3.6320% | 1,092 |
| Loan and lease loss provision to assets | 0.1187% | 1,744 |
| Net operating income to assets | 1.2898% | 1,308 |
| Return on assets (ROA) | 1.2898% | 1,393 |
| Pretax return on assets | 1.2898% | 2,330 |
| Return on Equity (ROE) | 13.4212% | 1,005 |
| Retained earnings to average equity (ytd only) | 2.0173% | 4,666 |
| Net charge-offs to loans | -0.0192% | 5,031 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0565% | 3,165 |
| Assets per employee ($millions) | 2.3855% | 6,162 |
| Cash dividends to net income (ytd only)* | 84.9693% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 1,923 |
| Loan loss allowance to noncurrent loans | 155.3914% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 3,447 |
| Noncurrent loans to loans | 1.0550% | 2,655 |
| Net loans and leases to total assets | 61.5317% | 3,444 |
| Net loans and leases to deposits | 68.1340% | 3,941 |
| Net loans and leases to core deposits | 69.7861% | 4,177 |
| Total domestic deposits to total assets | 90.3098% | 605 |
| Equity capital to assets | 9.5401% | 4,700 |
| Core capital (leverage) ratio | 9.1975% | 4,716 |
| Tier 1 risk-based capital ratio | 12.7780% | 4,741 |
| Total risk-based capital ratio | 14.2104% | 4,538 |
| Memoranda: | ||
| Average total assets | $101,100,500 | 4,574 |
| Average earning assets | $90,490,000 | 4,630 |
| Average equity | $9,716,000 | 4,846 |
| Average total loans | $62,347,500 | 4,420 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 887 |
| Cost of funding earning assets | 0.1648% | 6,014 |
| Net interest margin | 4.7583% | 473 |
| Noninterest income to average assets | 1.3750% | 650 |
| Noninterest expense to average assets | 3.9549% | 801 |
| Loan and lease loss provision to assets | 0.1742% | 1,486 |
| Net operating income to assets | 1.5072% | 865 |
| Return on assets (ROA) | 1.5154% | 887 |
| Pretax return on assets | 1.5154% | 1,487 |
| Return on Equity (ROE) | 15.8674% | 635 |
| Retained earnings to average equity (ytd only) | 6.4371% | 1,689 |
| Net charge-offs to loans | 0.0341% | 4,150 |
| Credit loss provision to net charge-offs | 850.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 82.0500% | 611 |
| Efficiency ratio | 70.1691% | 3,502 |
| Assets per employee ($millions) | 2.2642% | 6,287 |
| Cash dividends to net income (ytd only)* | 59.4320% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 1,816 |
| Loan loss allowance to noncurrent loans | 151.4116% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 3,483 |
| Noncurrent loans to loans | 1.1119% | 2,611 |
| Net loans and leases to total assets | 59.7312% | 3,822 |
| Net loans and leases to deposits | 66.1847% | 4,302 |
| Net loans and leases to core deposits | 68.8169% | 4,423 |
| Total domestic deposits to total assets | 90.2492% | 629 |
| Equity capital to assets | 9.6825% | 4,492 |
| Core capital (leverage) ratio | 9.2659% | 4,579 |
| Tier 1 risk-based capital ratio | 13.7747% | 4,252 |
| Total risk-based capital ratio | 15.0275% | 4,186 |
| Memoranda: | ||
| Average total assets | $97,600,000 | 4,659 |
| Average earning assets | $87,404,400 | 4,708 |
| Average equity | $9,321,000 | 4,896 |
| Average total loans | $58,691,200 | 4,528 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 934 |
| Cost of funding earning assets | 0.1641% | 6,101 |
| Net interest margin | 4.7331% | 472 |
| Noninterest income to average assets | 1.5545% | 524 |
| Noninterest expense to average assets | 3.9988% | 757 |
| Loan and lease loss provision to assets | 0.1922% | 1,253 |
| Net operating income to assets | 1.6025% | 752 |
| Return on assets (ROA) | 1.6135% | 760 |
| Pretax return on assets | 1.6135% | 1,288 |
| Return on Equity (ROE) | 16.9553% | 554 |
| Retained earnings to average equity (ytd only) | 5.9741% | 2,430 |
| Net charge-offs to loans | 0.0389% | 3,721 |
| Credit loss provision to net charge-offs | 823.5294% | 380 |
| Earnings coverage of net charge-offs (x) | 76.8690% | 724 |
| Efficiency ratio | 69.0211% | 3,671 |
| Assets per employee ($millions) | 2.2022% | 6,379 |
| Cash dividends to net income (ytd only)* | 64.7658% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 2,315 |
| Loan loss allowance to noncurrent loans | 140.9091% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 3,683 |
| Noncurrent loans to loans | 1.1326% | 2,792 |
| Net loans and leases to total assets | 61.7215% | 3,530 |
| Net loans and leases to deposits | 68.5449% | 4,081 |
| Net loans and leases to core deposits | 72.9635% | 4,056 |
| Total domestic deposits to total assets | 90.0454% | 714 |
| Equity capital to assets | 9.5964% | 4,674 |
| Core capital (leverage) ratio | 9.1455% | 4,860 |
| Tier 1 risk-based capital ratio | 13.3894% | 4,611 |
| Total risk-based capital ratio | 14.6422% | 4,546 |
| Memoranda: | ||
| Average total assets | $97,094,250 | 4,718 |
| Average earning assets | $86,959,750 | 4,771 |
| Average equity | $9,239,750 | 4,953 |
| Average total loans | $58,232,750 | 4,581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 1,016 |
| Cost of funding earning assets | 0.1601% | 6,197 |
| Net interest margin | 4.6730% | 516 |
| Noninterest income to average assets | 1.8626% | 387 |
| Noninterest expense to average assets | 4.0881% | 690 |
| Loan and lease loss provision to assets | 0.2282% | 1,008 |
| Net operating income to assets | 1.7236% | 552 |
| Return on assets (ROA) | 1.7402% | 569 |
| Pretax return on assets | 1.7402% | 943 |
| Return on Equity (ROE) | 18.3395% | 430 |
| Retained earnings to average equity (ytd only) | 7.5850% | 1,483 |
| Net charge-offs to loans | 0.1089% | 2,581 |
| Credit loss provision to net charge-offs | 354.8387% | 756 |
| Earnings coverage of net charge-offs (x) | 30.3548% | 1,252 |
| Efficiency ratio | 67.6854% | 4,064 |
| Assets per employee ($millions) | 2.2397% | 6,427 |
| Cash dividends to net income (ytd only)* | 58.6412% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 2,759 |
| Loan loss allowance to noncurrent loans | 123.7598% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 3,681 |
| Noncurrent loans to loans | 1.2364% | 2,758 |
| Net loans and leases to total assets | 60.5286% | 3,629 |
| Net loans and leases to deposits | 66.9788% | 4,162 |
| Net loans and leases to core deposits | 71.0467% | 4,147 |
| Total domestic deposits to total assets | 90.3698% | 630 |
| Equity capital to assets | 9.3554% | 4,913 |
| Core capital (leverage) ratio | 9.2496% | 4,666 |
| Tier 1 risk-based capital ratio | 13.1872% | 4,795 |
| Total risk-based capital ratio | 14.4388% | 4,722 |
| Memoranda: | ||
| Average total assets | $96,425,670 | 4,763 |
| Average earning assets | $86,198,000 | 4,822 |
| Average equity | $9,149,670 | 4,996 |
| Average total loans | $56,924,330 | 4,658 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 975 |
| Cost of funding earning assets | 0.1615% | 6,287 |
| Net interest margin | 4.6754% | 490 |
| Noninterest income to average assets | 1.2436% | 712 |
| Noninterest expense to average assets | 3.9174% | 838 |
| Loan and lease loss provision to assets | 0.1273% | 1,908 |
| Net operating income to assets | 1.3751% | 1,048 |
| Return on assets (ROA) | 1.3751% | 1,088 |
| Pretax return on assets | 1.3751% | 1,833 |
| Return on Equity (ROE) | 14.3840% | 879 |
| Retained earnings to average equity (ytd only) | 3.9068% | 3,770 |
| Net charge-offs to loans | 0.0221% | 3,139 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 405 |
| Efficiency ratio | 72.2788% | 3,438 |
| Assets per employee ($millions) | 2.1490% | 6,533 |
| Cash dividends to net income (ytd only)* | 72.8395% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 2,692 |
| Loan loss allowance to noncurrent loans | 91.2424% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 3,162 |
| Noncurrent loans to loans | 1.7561% | 2,200 |
| Net loans and leases to total assets | 56.8990% | 4,020 |
| Net loans and leases to deposits | 62.8655% | 4,451 |
| Net loans and leases to core deposits | 64.7208% | 4,621 |
| Total domestic deposits to total assets | 90.5091% | 794 |
| Equity capital to assets | 9.4092% | 4,614 |
| Core capital (leverage) ratio | 9.2731% | 4,612 |
| Tier 1 risk-based capital ratio | 13.9751% | 4,351 |
| Total risk-based capital ratio | 15.2273% | 4,290 |
| Memoranda: | ||
| Average total assets | $94,245,000 | 4,870 |
| Average earning assets | $84,184,500 | 4,910 |
| Average equity | $9,010,000 | 5,047 |
| Average total loans | $54,410,000 | 4,778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6225% | 1,795 |
| Cost of funding earning assets | 0.1875% | 6,353 |
| Net interest margin | 4.4350% | 850 |
| Noninterest income to average assets | 1.0386% | 1,301 |
| Noninterest expense to average assets | 3.8987% | 995 |
| Loan and lease loss provision to assets | 0.0859% | 3,397 |
| Net operating income to assets | 1.0171% | 2,259 |
| Return on assets (ROA) | 1.0730% | 2,109 |
| Pretax return on assets | 1.0730% | 3,056 |
| Return on Equity (ROE) | 11.4981% | 1,595 |
| Retained earnings to average equity (ytd only) | 1.3812% | 5,205 |
| Net charge-offs to loans | 0.1834% | 3,004 |
| Credit loss provision to net charge-offs | 94.1176% | 2,649 |
| Earnings coverage of net charge-offs (x) | 12.0824% | 2,169 |
| Efficiency ratio | 77.9472% | 2,476 |
| Assets per employee ($millions) | 1.9954% | 6,640 |
| Cash dividends to net income (ytd only)* | 87.9880% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,602 |
| Loan loss allowance to noncurrent loans | 86.3817% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 2,987 |
| Noncurrent loans to loans | 1.9017% | 2,114 |
| Net loans and leases to total assets | 56.6878% | 4,228 |
| Net loans and leases to deposits | 62.8634% | 4,630 |
| Net loans and leases to core deposits | 64.6264% | 4,812 |
| Total domestic deposits to total assets | 90.1762% | 985 |
| Equity capital to assets | 9.7192% | 4,149 |
| Core capital (leverage) ratio | 9.2927% | 4,567 |
| Tier 1 risk-based capital ratio | 14.6457% | 3,872 |
| Total risk-based capital ratio | 15.8987% | 3,812 |
| Memoranda: | ||
| Average total assets | $93,107,400 | 4,903 |
| Average earning assets | $83,202,000 | 4,948 |
| Average equity | $8,688,400 | 5,165 |
| Average total loans | $46,334,400 | 5,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 2,237 |
| Cost of funding earning assets | 0.1933% | 6,429 |
| Net interest margin | 4.3041% | 1,086 |
| Noninterest income to average assets | 1.0088% | 1,426 |
| Noninterest expense to average assets | 3.8670% | 1,007 |
| Loan and lease loss provision to assets | 0.0927% | 3,218 |
| Net operating income to assets | 0.8933% | 2,865 |
| Return on assets (ROA) | 0.8933% | 2,985 |
| Pretax return on assets | 0.8933% | 3,916 |
| Return on Equity (ROE) | 9.6712% | 2,320 |
| Retained earnings to average equity (ytd only) | -2.9508% | 6,349 |
| Net charge-offs to loans | 0.2327% | 2,409 |
| Credit loss provision to net charge-offs | 83.3333% | 2,766 |
| Earnings coverage of net charge-offs (x) | 8.8588% | 2,566 |
| Efficiency ratio | 79.6824% | 2,149 |
| Assets per employee ($millions) | 1.9708% | 6,711 |
| Cash dividends to net income (ytd only)* | 130.5110% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,185 |
| Loan loss allowance to noncurrent loans | 91.5957% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1228% | 3,407 |
| Noncurrent loans to loans | 2.0056% | 2,243 |
| Net loans and leases to total assets | 49.6686% | 5,175 |
| Net loans and leases to deposits | 54.9095% | 5,462 |
| Net loans and leases to core deposits | 56.4358% | 5,585 |
| Total domestic deposits to total assets | 90.4554% | 759 |
| Equity capital to assets | 9.2326% | 4,895 |
| Core capital (leverage) ratio | 8.9628% | 5,177 |
| Tier 1 risk-based capital ratio | 15.0481% | 3,726 |
| Total risk-based capital ratio | 16.3022% | 3,674 |
| Memoranda: | ||
| Average total assets | $93,437,500 | 4,946 |
| Average earning assets | $83,453,250 | 4,988 |
| Average equity | $8,630,250 | 5,231 |
| Average total loans | $44,692,750 | 5,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,590 |
| Cost of funding earning assets | 0.1976% | 6,485 |
| Net interest margin | 4.1953% | 1,287 |
| Noninterest income to average assets | 1.0181% | 1,477 |
| Noninterest expense to average assets | 3.8140% | 1,072 |
| Loan and lease loss provision to assets | 0.1067% | 3,014 |
| Net operating income to assets | 0.8580% | 3,004 |
| Return on assets (ROA) | 0.8580% | 3,151 |
| Pretax return on assets | 0.8580% | 4,079 |
| Return on Equity (ROE) | 9.2880% | 2,498 |
| Retained earnings to average equity (ytd only) | -7.3934% | 6,589 |
| Net charge-offs to loans | 0.3503% | 1,794 |
| Credit loss provision to net charge-offs | 64.9351% | 2,928 |
| Earnings coverage of net charge-offs (x) | 5.8701% | 2,815 |
| Efficiency ratio | 79.8124% | 2,186 |
| Assets per employee ($millions) | 2.0087% | 6,748 |
| Cash dividends to net income (ytd only)* | 179.6020% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,182 |
| Loan loss allowance to noncurrent loans | 84.3625% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 3,355 |
| Noncurrent loans to loans | 2.2230% | 2,144 |
| Net loans and leases to total assets | 47.9627% | 5,334 |
| Net loans and leases to deposits | 52.9556% | 5,608 |
| Net loans and leases to core deposits | 54.4360% | 5,716 |
| Total domestic deposits to total assets | 90.5715% | 721 |
| Equity capital to assets | 9.0692% | 5,148 |
| Core capital (leverage) ratio | 8.6479% | 5,485 |
| Tier 1 risk-based capital ratio | 15.0800% | 3,724 |
| Total risk-based capital ratio | 16.3345% | 3,685 |
| Memoranda: | ||
| Average total assets | $93,707,330 | 4,968 |
| Average earning assets | $83,999,330 | 5,008 |
| Average equity | $8,656,330 | 5,260 |
| Average total loans | $43,967,670 | 5,267 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 2,652 |
| Cost of funding earning assets | 0.2124% | 6,520 |
| Net interest margin | 4.1492% | 1,332 |
| Noninterest income to average assets | 1.0174% | 1,427 |
| Noninterest expense to average assets | 3.7346% | 1,195 |
| Loan and lease loss provision to assets | 0.1272% | 2,645 |
| Net operating income to assets | 0.8817% | 2,742 |
| Return on assets (ROA) | 0.8817% | 2,888 |
| Pretax return on assets | 0.8817% | 3,826 |
| Return on Equity (ROE) | 9.4605% | 2,289 |
| Retained earnings to average equity (ytd only) | -21.0131% | 6,841 |
| Net charge-offs to loans | 0.5718% | 1,065 |
| Credit loss provision to net charge-offs | 48.3871% | 2,623 |
| Earnings coverage of net charge-offs (x) | 3.8387% | 2,665 |
| Efficiency ratio | 78.7310% | 2,498 |
| Assets per employee ($millions) | 2.1396% | 6,803 |
| Cash dividends to net income (ytd only)* | 322.1154% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9527% | 2,167 |
| Loan loss allowance to noncurrent loans | 70.5193% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 3,291 |
| Noncurrent loans to loans | 2.7690% | 1,834 |
| Net loans and leases to total assets | 43.9111% | 5,675 |
| Net loans and leases to deposits | 48.3249% | 5,900 |
| Net loans and leases to core deposits | 49.6151% | 5,999 |
| Total domestic deposits to total assets | 90.8663% | 583 |
| Equity capital to assets | 8.9644% | 5,530 |
| Core capital (leverage) ratio | 8.5376% | 5,533 |
| Tier 1 risk-based capital ratio | 15.1799% | 3,716 |
| Total risk-based capital ratio | 16.4348% | 3,668 |
| Memoranda: | ||
| Average total assets | $94,360,500 | 4,993 |
| Average earning assets | $84,739,000 | 5,017 |
| Average equity | $8,794,500 | 5,279 |
| Average total loans | $43,369,000 | 5,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,597 |
| Cost of funding earning assets | 0.3072% | 6,415 |
| Net interest margin | 4.6801% | 673 |
| Noninterest income to average assets | 1.2757% | 951 |
| Noninterest expense to average assets | 3.9531% | 1,031 |
| Loan and lease loss provision to assets | 0.1847% | 3,329 |
| Net operating income to assets | 1.3756% | 1,139 |
| Return on assets (ROA) | 1.5343% | 941 |
| Pretax return on assets | 1.5343% | 1,575 |
| Return on Equity (ROE) | 16.3354% | 609 |
| Retained earnings to average equity (ytd only) | 2.5799% | 4,409 |
| Net charge-offs to loans | 0.2720% | 3,303 |
| Credit loss provision to net charge-offs | 133.8583% | 2,092 |
| Earnings coverage of net charge-offs (x) | 11.3071% | 2,046 |
| Efficiency ratio | 71.6989% | 3,474 |
| Assets per employee ($millions) | 2.1009% | 6,876 |
| Cash dividends to net income (ytd only)* | 84.2068% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,008 |
| Loan loss allowance to noncurrent loans | 59.6587% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 2,875 |
| Noncurrent loans to loans | 3.3587% | 1,509 |
| Net loans and leases to total assets | 46.2397% | 5,589 |
| Net loans and leases to deposits | 51.3059% | 5,867 |
| Net loans and leases to core deposits | 52.5828% | 5,972 |
| Total domestic deposits to total assets | 90.1255% | 888 |
| Equity capital to assets | 9.6906% | 4,602 |
| Core capital (leverage) ratio | 8.9201% | 5,015 |
| Tier 1 risk-based capital ratio | 16.3655% | 2,954 |
| Total risk-based capital ratio | 17.6211% | 2,913 |
| Memoranda: | ||
| Average total assets | $92,029,400 | 5,024 |
| Average earning assets | $83,331,000 | 5,035 |
| Average equity | $8,643,800 | 5,319 |
| Average total loans | $46,687,200 | 5,220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,495 |
| Cost of funding earning assets | 0.3283% | 6,475 |
| Net interest margin | 4.7425% | 614 |
| Noninterest income to average assets | 1.2270% | 990 |
| Noninterest expense to average assets | 3.9364% | 1,022 |
| Loan and lease loss provision to assets | 0.1305% | 3,919 |
| Net operating income to assets | 1.4547% | 1,117 |
| Return on assets (ROA) | 1.5853% | 977 |
| Pretax return on assets | 1.5853% | 1,623 |
| Return on Equity (ROE) | 17.0141% | 610 |
| Retained earnings to average equity (ytd only) | -0.1868% | 6,114 |
| Net charge-offs to loans | 0.1798% | 3,677 |
| Credit loss provision to net charge-offs | 140.6250% | 2,051 |
| Earnings coverage of net charge-offs (x) | 17.0784% | 1,643 |
| Efficiency ratio | 71.2897% | 3,450 |
| Assets per employee ($millions) | 2.1325% | 6,950 |
| Cash dividends to net income (ytd only)* | 101.0979% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8288% | 2,705 |
| Loan loss allowance to noncurrent loans | 78.0510% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.3673% | 3,560 |
| Noncurrent loans to loans | 2.3430% | 2,461 |
| Net loans and leases to total assets | 49.0291% | 5,431 |
| Net loans and leases to deposits | 54.3897% | 5,770 |
| Net loans and leases to core deposits | 56.2656% | 5,872 |
| Total domestic deposits to total assets | 90.1441% | 771 |
| Equity capital to assets | 9.4094% | 5,317 |
| Core capital (leverage) ratio | 8.5655% | 5,671 |
| Tier 1 risk-based capital ratio | 15.1761% | 3,724 |
| Total risk-based capital ratio | 16.4302% | 3,669 |
| Memoranda: | ||
| Average total assets | $91,926,750 | 5,081 |
| Average earning assets | $83,245,750 | 5,093 |
| Average equity | $8,565,250 | 5,393 |
| Average total loans | $47,454,500 | 5,255 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 1,431 |
| Cost of funding earning assets | 0.3516% | 6,505 |
| Net interest margin | 4.7748% | 588 |
| Noninterest income to average assets | 1.3364% | 801 |
| Noninterest expense to average assets | 3.9653% | 991 |
| Loan and lease loss provision to assets | 0.1314% | 3,884 |
| Net operating income to assets | 1.5533% | 903 |
| Return on assets (ROA) | 1.7504% | 688 |
| Pretax return on assets | 1.7504% | 1,137 |
| Return on Equity (ROE) | 18.8503% | 424 |
| Retained earnings to average equity (ytd only) | -4.0343% | 6,551 |
| Net charge-offs to loans | 0.1049% | 4,122 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 30.7600% | 1,053 |
| Efficiency ratio | 70.1822% | 3,738 |
| Assets per employee ($millions) | 2.0168% | 7,050 |
| Cash dividends to net income (ytd only)* | 121.4018% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8101% | 2,818 |
| Loan loss allowance to noncurrent loans | 90.1145% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 4,169 |
| Noncurrent loans to loans | 2.0087% | 2,940 |
| Net loans and leases to total assets | 49.5595% | 5,414 |
| Net loans and leases to deposits | 54.6696% | 5,802 |
| Net loans and leases to core deposits | 56.3192% | 5,916 |
| Total domestic deposits to total assets | 90.6529% | 588 |
| Equity capital to assets | 8.9715% | 5,726 |
| Core capital (leverage) ratio | 8.4443% | 5,722 |
| Tier 1 risk-based capital ratio | 14.6380% | 4,009 |
| Total risk-based capital ratio | 15.8920% | 3,969 |
| Memoranda: | ||
| Average total assets | $91,291,670 | 5,125 |
| Average earning assets | $82,475,330 | 5,139 |
| Average equity | $8,477,330 | 5,427 |
| Average total loans | $47,652,000 | 5,277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 1,178 |
| Cost of funding earning assets | 0.3762% | 6,520 |
| Net interest margin | 4.8903% | 478 |
| Noninterest income to average assets | 1.2285% | 946 |
| Noninterest expense to average assets | 4.0874% | 839 |
| Loan and lease loss provision to assets | 0.1340% | 3,678 |
| Net operating income to assets | 1.4205% | 1,183 |
| Return on assets (ROA) | 1.4205% | 1,326 |
| Pretax return on assets | 1.4205% | 2,120 |
| Return on Equity (ROE) | 15.0284% | 966 |
| Retained earnings to average equity (ytd only) | -25.0473% | 7,101 |
| Net charge-offs to loans | -0.0421% | 6,465 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4466% | 3,354 |
| Assets per employee ($millions) | 1.9827% | 7,124 |
| Cash dividends to net income (ytd only)* | 266.6667% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 2,899 |
| Loan loss allowance to noncurrent loans | 104.4632% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,701 |
| Noncurrent loans to loans | 1.7481% | 3,489 |
| Net loans and leases to total assets | 51.0466% | 5,144 |
| Net loans and leases to deposits | 56.2434% | 5,571 |
| Net loans and leases to core deposits | 58.0050% | 5,715 |
| Total domestic deposits to total assets | 90.7602% | 658 |
| Equity capital to assets | 8.9920% | 5,506 |
| Core capital (leverage) ratio | 8.4575% | 5,663 |
| Tier 1 risk-based capital ratio | 13.9537% | 4,500 |
| Total risk-based capital ratio | 15.2077% | 4,468 |
| Memoranda: | ||
| Average total assets | $89,543,000 | 5,223 |
| Average earning assets | $80,813,500 | 5,223 |
| Average equity | $8,464,000 | 5,443 |
| Average total loans | $47,556,500 | 5,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4042% | 1,409 |
| Cost of funding earning assets | 0.5305% | 6,416 |
| Net interest margin | 4.8737% | 540 |
| Noninterest income to average assets | 1.1409% | 1,009 |
| Noninterest expense to average assets | 3.8821% | 1,208 |
| Loan and lease loss provision to assets | 0.1322% | 4,960 |
| Net operating income to assets | 1.5176% | 793 |
| Return on assets (ROA) | 1.5484% | 803 |
| Pretax return on assets | 1.5484% | 1,344 |
| Return on Equity (ROE) | 17.2681% | 450 |
| Retained earnings to average equity (ytd only) | 5.5022% | 2,299 |
| Net charge-offs to loans | 0.1149% | 5,228 |
| Credit loss provision to net charge-offs | 222.2222% | 1,091 |
| Earnings coverage of net charge-offs (x) | 27.7407% | 892 |
| Efficiency ratio | 70.1772% | 3,908 |
| Assets per employee ($millions) | 1.9105% | 7,188 |
| Cash dividends to net income (ytd only)* | 68.1366% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 3,050 |
| Loan loss allowance to noncurrent loans | 102.3399% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 4,761 |
| Noncurrent loans to loans | 1.7026% | 3,609 |
| Net loans and leases to total assets | 53.3209% | 5,125 |
| Net loans and leases to deposits | 59.4180% | 5,556 |
| Net loans and leases to core deposits | 60.9712% | 5,756 |
| Total domestic deposits to total assets | 89.7386% | 1,139 |
| Equity capital to assets | 9.9302% | 4,254 |
| Core capital (leverage) ratio | 9.1435% | 4,559 |
| Tier 1 risk-based capital ratio | 14.9411% | 3,675 |
| Total risk-based capital ratio | 16.1943% | 3,633 |
| Memoranda: | ||
| Average total assets | $90,802,400 | 5,160 |
| Average earning assets | $81,806,400 | 5,176 |
| Average equity | $8,142,200 | 5,527 |
| Average total loans | $46,995,000 | 5,383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 1,578 |
| Cost of funding earning assets | 0.5718% | 6,421 |
| Net interest margin | 4.8066% | 618 |
| Noninterest income to average assets | 1.1580% | 978 |
| Noninterest expense to average assets | 3.8922% | 1,167 |
| Loan and lease loss provision to assets | 0.1311% | 4,791 |
| Net operating income to assets | 1.4698% | 1,009 |
| Return on assets (ROA) | 1.5105% | 996 |
| Pretax return on assets | 1.5105% | 1,622 |
| Return on Equity (ROE) | 17.2915% | 537 |
| Retained earnings to average equity (ytd only) | 3.7685% | 4,057 |
| Net charge-offs to loans | 0.0911% | 5,059 |
| Credit loss provision to net charge-offs | 281.2500% | 1,021 |
| Earnings coverage of net charge-offs (x) | 34.3403% | 851 |
| Efficiency ratio | 70.8565% | 3,773 |
| Assets per employee ($millions) | 1.9231% | 7,254 |
| Cash dividends to net income (ytd only)* | 78.2068% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 3,183 |
| Loan loss allowance to noncurrent loans | 120.8517% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 5,242 |
| Noncurrent loans to loans | 1.4282% | 4,148 |
| Net loans and leases to total assets | 51.8415% | 5,467 |
| Net loans and leases to deposits | 57.5757% | 5,882 |
| Net loans and leases to core deposits | 61.1675% | 5,894 |
| Total domestic deposits to total assets | 90.0406% | 847 |
| Equity capital to assets | 9.4516% | 5,162 |
| Core capital (leverage) ratio | 8.5862% | 5,579 |
| Tier 1 risk-based capital ratio | 14.4343% | 4,025 |
| Total risk-based capital ratio | 15.6880% | 3,992 |
| Memoranda: | ||
| Average total assets | $91,532,250 | 5,180 |
| Average earning assets | $82,550,500 | 5,200 |
| Average equity | $7,996,000 | 5,603 |
| Average total loans | $46,821,000 | 5,435 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3210% | 1,816 |
| Cost of funding earning assets | 0.6100% | 6,411 |
| Net interest margin | 4.7110% | 707 |
| Noninterest income to average assets | 1.1511% | 969 |
| Noninterest expense to average assets | 3.9058% | 1,182 |
| Loan and lease loss provision to assets | 0.1306% | 4,662 |
| Net operating income to assets | 1.3665% | 1,154 |
| Return on assets (ROA) | 1.3665% | 1,226 |
| Pretax return on assets | 1.3665% | 1,900 |
| Return on Equity (ROE) | 16.0744% | 664 |
| Retained earnings to average equity (ytd only) | -0.3328% | 5,917 |
| Net charge-offs to loans | 0.1848% | 4,055 |
| Credit loss provision to net charge-offs | 139.5349% | 2,181 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,370 |
| Efficiency ratio | 72.2916% | 3,675 |
| Assets per employee ($millions) | 2.0773% | 7,245 |
| Cash dividends to net income (ytd only)* | 102.0701% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 3,588 |
| Loan loss allowance to noncurrent loans | 132.7674% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 5,712 |
| Noncurrent loans to loans | 1.2261% | 4,614 |
| Net loans and leases to total assets | 48.4032% | 6,013 |
| Net loans and leases to deposits | 53.1724% | 6,372 |
| Net loans and leases to core deposits | 58.6352% | 6,221 |
| Total domestic deposits to total assets | 91.0306% | 490 |
| Equity capital to assets | 8.3507% | 6,362 |
| Core capital (leverage) ratio | 8.2200% | 6,001 |
| Tier 1 risk-based capital ratio | 13.3258% | 4,668 |
| Total risk-based capital ratio | 14.5768% | 4,646 |
| Memoranda: | ||
| Average total assets | $91,914,000 | 5,213 |
| Average earning assets | $82,954,000 | 5,235 |
| Average equity | $7,813,670 | 5,668 |
| Average total loans | $46,534,330 | 5,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 1,640 |
| Cost of funding earning assets | 0.6478% | 6,389 |
| Net interest margin | 4.7336% | 657 |
| Noninterest income to average assets | 1.2172% | 860 |
| Noninterest expense to average assets | 4.0559% | 969 |
| Loan and lease loss provision to assets | 0.1347% | 4,323 |
| Net operating income to assets | 1.2936% | 1,282 |
| Return on assets (ROA) | 1.2936% | 1,325 |
| Pretax return on assets | 1.2936% | 2,059 |
| Return on Equity (ROE) | 15.0706% | 810 |
| Retained earnings to average equity (ytd only) | -14.4427% | 7,026 |
| Net charge-offs to loans | 0.2010% | 3,300 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 13.8261% | 1,406 |
| Efficiency ratio | 73.9558% | 3,518 |
| Assets per employee ($millions) | 1.9347% | 7,387 |
| Cash dividends to net income (ytd only)* | 195.8333% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,458 |
| Loan loss allowance to noncurrent loans | 90.6103% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 5,013 |
| Noncurrent loans to loans | 1.8409% | 3,773 |
| Net loans and leases to total assets | 50.0478% | 5,842 |
| Net loans and leases to deposits | 54.7945% | 6,231 |
| Net loans and leases to core deposits | 60.8588% | 6,032 |
| Total domestic deposits to total assets | 91.3374% | 467 |
| Equity capital to assets | 8.3129% | 6,149 |
| Core capital (leverage) ratio | 8.3192% | 5,776 |
| Tier 1 risk-based capital ratio | 13.4868% | 4,424 |
| Total risk-based capital ratio | 14.7395% | 4,404 |
| Memoranda: | ||
| Average total assets | $89,055,000 | 5,317 |
| Average earning assets | $80,277,000 | 5,350 |
| Average equity | $7,644,000 | 5,729 |
| Average total loans | $45,782,000 | 5,570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6341% | 1,785 |
| Cost of funding earning assets | 0.7857% | 6,628 |
| Net interest margin | 4.8484% | 610 |
| Noninterest income to average assets | 1.2329% | 995 |
| Noninterest expense to average assets | 4.0830% | 1,046 |
| Loan and lease loss provision to assets | 0.1414% | 5,768 |
| Net operating income to assets | 1.3873% | 977 |
| Return on assets (ROA) | 1.5394% | 766 |
| Pretax return on assets | 1.5394% | 1,275 |
| Return on Equity (ROE) | 16.7569% | 504 |
| Retained earnings to average equity (ytd only) | 6.3512% | 1,639 |
| Net charge-offs to loans | 0.2322% | 4,889 |
| Credit loss provision to net charge-offs | 117.6471% | 3,628 |
| Earnings coverage of net charge-offs (x) | 12.7157% | 1,477 |
| Efficiency ratio | 72.7578% | 3,645 |
| Assets per employee ($millions) | 1.8549% | 7,473 |
| Cash dividends to net income (ytd only)* | 62.0980% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 3,253 |
| Loan loss allowance to noncurrent loans | 92.0578% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 4,958 |
| Noncurrent loans to loans | 1.8351% | 3,775 |
| Net loans and leases to total assets | 51.0651% | 6,039 |
| Net loans and leases to deposits | 56.2217% | 6,424 |
| Net loans and leases to core deposits | 63.0040% | 6,149 |
| Total domestic deposits to total assets | 90.8281% | 678 |
| Equity capital to assets | 8.8657% | 5,332 |
| Core capital (leverage) ratio | 8.7010% | 5,019 |
| Tier 1 risk-based capital ratio | 14.3407% | 3,652 |
| Total risk-based capital ratio | 15.5931% | 3,602 |
| Memoranda: | ||
| Average total assets | $84,839,000 | 5,448 |
| Average earning assets | $76,622,600 | 5,458 |
| Average equity | $7,793,800 | 5,777 |
| Average total loans | $43,933,600 | 5,748 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 1,828 |
| Cost of funding earning assets | 0.8160% | 6,708 |
| Net interest margin | 4.8488% | 609 |
| Noninterest income to average assets | 1.2327% | 905 |
| Noninterest expense to average assets | 3.9435% | 1,130 |
| Loan and lease loss provision to assets | 0.1424% | 5,611 |
| Net operating income to assets | 1.5287% | 868 |
| Return on assets (ROA) | 1.7328% | 634 |
| Pretax return on assets | 1.7328% | 1,046 |
| Return on Equity (ROE) | 18.6935% | 414 |
| Retained earnings to average equity (ytd only) | 7.3408% | 1,677 |
| Net charge-offs to loans | 0.1866% | 4,835 |
| Credit loss provision to net charge-offs | 147.5410% | 2,656 |
| Earnings coverage of net charge-offs (x) | 17.3117% | 1,335 |
| Efficiency ratio | 70.2368% | 4,013 |
| Assets per employee ($millions) | 1.8829% | 7,553 |
| Cash dividends to net income (ytd only)* | 60.7304% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,221 |
| Loan loss allowance to noncurrent loans | 146.1394% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 5,756 |
| Noncurrent loans to loans | 1.1494% | 4,940 |
| Net loans and leases to total assets | 51.3272% | 6,182 |
| Net loans and leases to deposits | 56.8214% | 6,556 |
| Net loans and leases to core deposits | 64.2912% | 6,274 |
| Total domestic deposits to total assets | 90.3307% | 708 |
| Equity capital to assets | 9.1223% | 5,415 |
| Core capital (leverage) ratio | 8.5236% | 5,462 |
| Tier 1 risk-based capital ratio | 13.8979% | 3,914 |
| Total risk-based capital ratio | 15.1492% | 3,886 |
| Memoranda: | ||
| Average total assets | $84,254,000 | 5,534 |
| Average earning assets | $76,141,000 | 5,543 |
| Average equity | $7,810,000 | 5,854 |
| Average total loans | $43,596,250 | 5,845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6366% | 1,995 |
| Cost of funding earning assets | 0.8323% | 6,812 |
| Net interest margin | 4.8043% | 658 |
| Noninterest income to average assets | 1.2047% | 891 |
| Noninterest expense to average assets | 3.8508% | 1,267 |
| Loan and lease loss provision to assets | 0.1449% | 5,448 |
| Net operating income to assets | 1.5572% | 802 |
| Return on assets (ROA) | 1.5572% | 858 |
| Pretax return on assets | 1.5572% | 1,414 |
| Return on Equity (ROE) | 16.7048% | 608 |
| Retained earnings to average equity (ytd only) | 2.5122% | 4,556 |
| Net charge-offs to loans | 0.1264% | 4,933 |
| Credit loss provision to net charge-offs | 222.2222% | 1,750 |
| Earnings coverage of net charge-offs (x) | 26.1111% | 1,010 |
| Efficiency ratio | 69.3478% | 4,307 |
| Assets per employee ($millions) | 1.9925% | 7,577 |
| Cash dividends to net income (ytd only)* | 84.9612% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,883 |
| Loan loss allowance to noncurrent loans | 178.8991% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 5,945 |
| Noncurrent loans to loans | 0.9810% | 5,343 |
| Net loans and leases to total assets | 52.1760% | 6,193 |
| Net loans and leases to deposits | 57.9277% | 6,578 |
| Net loans and leases to core deposits | 65.3295% | 6,287 |
| Total domestic deposits to total assets | 90.0710% | 892 |
| Equity capital to assets | 9.4140% | 4,843 |
| Core capital (leverage) ratio | 8.6083% | 5,219 |
| Tier 1 risk-based capital ratio | 13.8637% | 3,828 |
| Total risk-based capital ratio | 15.1158% | 3,789 |
| Memoranda: | ||
| Average total assets | $82,839,670 | 5,599 |
| Average earning assets | $74,974,330 | 5,607 |
| Average equity | $7,722,330 | 5,893 |
| Average total loans | $42,728,670 | 5,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 2,470 |
| Cost of funding earning assets | 0.8727% | 6,862 |
| Net interest margin | 4.6544% | 861 |
| Noninterest income to average assets | 1.2182% | 823 |
| Noninterest expense to average assets | 3.9312% | 1,124 |
| Loan and lease loss provision to assets | 0.1456% | 5,093 |
| Net operating income to assets | 1.3347% | 1,214 |
| Return on assets (ROA) | 1.3347% | 1,286 |
| Pretax return on assets | 1.3347% | 1,952 |
| Return on Equity (ROE) | 14.3894% | 976 |
| Retained earnings to average equity (ytd only) | -9.7325% | 6,951 |
| Net charge-offs to loans | 0.0382% | 5,043 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 76.2500% | 406 |
| Efficiency ratio | 72.6457% | 3,817 |
| Assets per employee ($millions) | 2.0430% | 7,646 |
| Cash dividends to net income (ytd only)* | 167.6364% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 2,553 |
| Loan loss allowance to noncurrent loans | 136.8142% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 5,601 |
| Noncurrent loans to loans | 1.3573% | 4,706 |
| Net loans and leases to total assets | 48.7722% | 6,596 |
| Net loans and leases to deposits | 53.7956% | 6,929 |
| Net loans and leases to core deposits | 60.6053% | 6,701 |
| Total domestic deposits to total assets | 90.6620% | 672 |
| Equity capital to assets | 8.9381% | 5,373 |
| Core capital (leverage) ratio | 8.4665% | 5,429 |
| Tier 1 risk-based capital ratio | 14.0039% | 3,650 |
| Total risk-based capital ratio | 15.2577% | 3,612 |
| Memoranda: | ||
| Average total assets | $82,417,500 | 5,688 |
| Average earning assets | $74,252,000 | 5,697 |
| Average equity | $7,644,500 | 5,962 |
| Average total loans | $41,871,500 | 6,032 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2033% | 1,232 |
| Cost of funding earning assets | 1.3426% | 6,168 |
| Net interest margin | 4.8607% | 610 |
| Noninterest income to average assets | 1.1715% | 1,118 |
| Noninterest expense to average assets | 3.8946% | 1,515 |
| Loan and lease loss provision to assets | 0.1486% | 6,175 |
| Net operating income to assets | 1.4860% | 697 |
| Return on assets (ROA) | 1.4860% | 752 |
| Pretax return on assets | 1.4860% | 1,220 |
| Return on Equity (ROE) | 16.4051% | 515 |
| Retained earnings to average equity (ytd only) | 8.4896% | 587 |
| Net charge-offs to loans | 0.1702% | 5,581 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,132 |
| Efficiency ratio | 70.4367% | 4,532 |
| Assets per employee ($millions) | 1.9773% | 7,742 |
| Cash dividends to net income (ytd only)* | 48.2500% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 2,627 |
| Loan loss allowance to noncurrent loans | 137.3162% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 5,557 |
| Noncurrent loans to loans | 1.2917% | 4,768 |
| Net loans and leases to total assets | 51.0287% | 6,524 |
| Net loans and leases to deposits | 56.7079% | 6,876 |
| Net loans and leases to core deposits | 77.4323% | 6,307 |
| Total domestic deposits to total assets | 89.9852% | 967 |
| Equity capital to assets | 9.6238% | 4,242 |
| Core capital (leverage) ratio | 8.8418% | 4,697 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,198 |
| Total risk-based capital ratio | 15.7789% | 3,146 |
| Memoranda: | ||
| Average total assets | $80,752,800 | 5,708 |
| Average earning assets | $72,397,200 | 5,741 |
| Average equity | $7,314,800 | 6,169 |
| Average total loans | $42,293,600 | 6,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2195% | 1,325 |
| Cost of funding earning assets | 1.4467% | 6,050 |
| Net interest margin | 4.7728% | 723 |
| Noninterest income to average assets | 1.1635% | 1,166 |
| Noninterest expense to average assets | 3.9054% | 1,418 |
| Loan and lease loss provision to assets | 0.1487% | 5,868 |
| Net operating income to assets | 1.3949% | 1,042 |
| Return on assets (ROA) | 1.3949% | 1,104 |
| Pretax return on assets | 1.3949% | 1,708 |
| Return on Equity (ROE) | 15.6445% | 699 |
| Retained earnings to average equity (ytd only) | 7.2847% | 1,401 |
| Net charge-offs to loans | 0.0945% | 5,732 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 31.1325% | 912 |
| Efficiency ratio | 71.6712% | 4,305 |
| Assets per employee ($millions) | 1.9658% | 7,823 |
| Cash dividends to net income (ytd only)* | 53.4359% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 2,468 |
| Loan loss allowance to noncurrent loans | 126.5000% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 5,337 |
| Noncurrent loans to loans | 1.3775% | 4,614 |
| Net loans and leases to total assets | 53.1012% | 6,483 |
| Net loans and leases to deposits | 59.3335% | 6,880 |
| Net loans and leases to core deposits | 81.2542% | 6,252 |
| Total domestic deposits to total assets | 89.4961% | 964 |
| Equity capital to assets | 9.4939% | 4,752 |
| Core capital (leverage) ratio | 8.6360% | 5,246 |
| Tier 1 risk-based capital ratio | 13.8218% | 3,653 |
| Total risk-based capital ratio | 15.0746% | 3,607 |
| Memoranda: | ||
| Average total assets | $80,673,500 | 5,740 |
| Average earning assets | $72,436,500 | 5,772 |
| Average equity | $7,193,000 | 6,259 |
| Average total loans | $42,338,000 | 6,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1902% | 1,488 |
| Cost of funding earning assets | 1.5434% | 5,961 |
| Net interest margin | 4.6468% | 882 |
| Noninterest income to average assets | 1.1326% | 1,226 |
| Noninterest expense to average assets | 4.0422% | 1,260 |
| Loan and lease loss provision to assets | 0.1487% | 5,592 |
| Net operating income to assets | 1.1202% | 1,701 |
| Return on assets (ROA) | 1.1202% | 1,783 |
| Pretax return on assets | 1.1202% | 2,562 |
| Return on Equity (ROE) | 12.8409% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.0227% | 2,015 |
| Net charge-offs to loans | 0.1240% | 4,924 |
| Credit loss provision to net charge-offs | 230.7692% | 2,000 |
| Earnings coverage of net charge-offs (x) | 19.6923% | 1,354 |
| Efficiency ratio | 76.1083% | 3,672 |
| Assets per employee ($millions) | 1.9770% | 7,869 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 2,327 |
| Loan loss allowance to noncurrent loans | 134.4954% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 5,730 |
| Noncurrent loans to loans | 1.2682% | 4,665 |
| Net loans and leases to total assets | 52.1114% | 6,673 |
| Net loans and leases to deposits | 57.9684% | 7,031 |
| Net loans and leases to core deposits | 78.6875% | 6,504 |
| Total domestic deposits to total assets | 89.8962% | 868 |
| Equity capital to assets | 8.9207% | 5,422 |
| Core capital (leverage) ratio | 8.1680% | 6,038 |
| Tier 1 risk-based capital ratio | 13.6296% | 3,739 |
| Total risk-based capital ratio | 14.8337% | 3,693 |
| Memoranda: | ||
| Average total assets | $80,698,330 | 5,775 |
| Average earning assets | $72,566,000 | 5,809 |
| Average equity | $7,040,000 | 6,356 |
| Average total loans | $41,931,330 | 6,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1718% | 1,684 |
| Cost of funding earning assets | 1.6052% | 6,017 |
| Net interest margin | 4.5666% | 1,000 |
| Noninterest income to average assets | 1.0929% | 1,250 |
| Noninterest expense to average assets | 3.8749% | 1,345 |
| Loan and lease loss provision to assets | 0.1490% | 5,026 |
| Net operating income to assets | 1.1674% | 1,751 |
| Return on assets (ROA) | 1.1674% | 1,863 |
| Pretax return on assets | 1.1674% | 2,736 |
| Return on Equity (ROE) | 13.5359% | 1,263 |
| Retained earnings to average equity (ytd only) | 4.3776% | 3,483 |
| Net charge-offs to loans | 0.1352% | 3,879 |
| Credit loss provision to net charge-offs | 214.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 18.9286% | 1,440 |
| Efficiency ratio | 74.6411% | 3,711 |
| Assets per employee ($millions) | 2.0932% | 7,811 |
| Cash dividends to net income (ytd only)* | 67.6596% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,141 |
| Loan loss allowance to noncurrent loans | 163.2420% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 5,877 |
| Noncurrent loans to loans | 1.0426% | 4,902 |
| Net loans and leases to total assets | 50.5843% | 6,803 |
| Net loans and leases to deposits | 55.6852% | 7,175 |
| Net loans and leases to core deposits | 75.7470% | 6,693 |
| Total domestic deposits to total assets | 90.8398% | 465 |
| Equity capital to assets | 8.6849% | 5,790 |
| Core capital (leverage) ratio | 8.2195% | 6,063 |
| Tier 1 risk-based capital ratio | 13.5671% | 3,821 |
| Total risk-based capital ratio | 14.8191% | 3,748 |
| Memoranda: | ||
| Average total assets | $80,518,000 | 5,803 |
| Average earning assets | $72,264,500 | 5,835 |
| Average equity | $6,944,500 | 6,434 |
| Average total loans | $41,410,000 | 6,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9540% | 1,250 |
| Cost of funding earning assets | 2.0017% | 6,413 |
| Net interest margin | 4.9523% | 566 |
| Noninterest income to average assets | 1.3546% | 786 |
| Noninterest expense to average assets | 4.0247% | 1,380 |
| Loan and lease loss provision to assets | 0.1418% | 5,539 |
| Net operating income to assets | 1.6046% | 830 |
| Return on assets (ROA) | 1.6167% | 771 |
| Pretax return on assets | 1.6342% | 1,298 |
| Return on Equity (ROE) | 18.2715% | 506 |
| Retained earnings to average equity (ytd only) | 2.2897% | 3,782 |
| Net charge-offs to loans | 0.3031% | 3,371 |
| Credit loss provision to net charge-offs | 81.3953% | 5,873 |
| Earnings coverage of net charge-offs (x) | 10.1240% | 2,573 |
| Efficiency ratio | 69.5287% | 4,442 |
| Assets per employee ($millions) | 2.0895% | 7,833 |
| Cash dividends to net income (ytd only)* | 87.4687% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 1,874 |
| Loan loss allowance to noncurrent loans | 288.8430% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,126 |
| Noncurrent loans to loans | 0.5930% | 5,593 |
| Net loans and leases to total assets | 50.5176% | 6,982 |
| Net loans and leases to deposits | 55.5346% | 7,353 |
| Net loans and leases to core deposits | 76.6252% | 6,826 |
| Total domestic deposits to total assets | 90.9660% | 339 |
| Equity capital to assets | 8.5630% | 5,991 |
| Core capital (leverage) ratio | 8.4155% | 5,725 |
| Tier 1 risk-based capital ratio | 13.8825% | 3,602 |
| Total risk-based capital ratio | 15.1359% | 3,522 |
| Memoranda: | ||
| Average total assets | $74,042,000 | 5,913 |
| Average earning assets | $66,292,600 | 5,958 |
| Average equity | $6,551,200 | 6,624 |
| Average total loans | $42,555,800 | 6,044 |