Home > First Farmers & Merchants State Bank > Performance and Condition Ratios
First Farmers & Merchants State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 2,974 |
| Cost of funding earning assets | 1.0334% | 3,219 |
| Net interest margin | 3.5346% | 2,111 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.3694% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0608% | 429 |
| Return on assets (ROA) | 2.0608% | 416 |
| Pretax return on assets | 1.3014% | 1,869 |
| Return on Equity (ROE) | 28.7300% | 203 |
| Retained earnings to average equity (ytd only) | 19.6048% | 140 |
| Net charge-offs to loans | 0.0928% | 957 |
| Credit loss provision to net charge-offs | -7.4627% | 4,421 |
| Earnings coverage of net charge-offs (x) | 19.1343% | 1,908 |
| Efficiency ratio | 64.5465% | 2,538 |
| Assets per employee ($millions) | 8.5512% | 1,159 |
| Cash dividends to net income (ytd only)* | 31.7734% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9531% | 3,522 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.6200% | 1,410 |
| Net loans and leases to deposits | 97.1279% | 705 |
| Net loans and leases to core deposits | 107.3231% | 1,060 |
| Total domestic deposits to total assets | 75.8000% | 3,959 |
| Equity capital to assets | 8.1256% | 3,335 |
| Core capital (leverage) ratio | 10.2148% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6398% | 2,367 |
| Memoranda: | ||
| Average total assets | $98,506,600 | 3,848 |
| Average earning assets | $94,637,200 | 3,793 |
| Average equity | $7,064,600 | 4,045 |
| Average total loans | $72,210,000 | 3,520 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 2,878 |
| Cost of funding earning assets | 0.9383% | 3,185 |
| Net interest margin | 3.5766% | 2,061 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.3909% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3240% | 1,486 |
| Return on assets (ROA) | 1.3240% | 1,468 |
| Pretax return on assets | 1.3240% | 1,962 |
| Return on Equity (ROE) | 19.1300% | 806 |
| Retained earnings to average equity (ytd only) | 6.3836% | 2,506 |
| Net charge-offs to loans | 0.1236% | 658 |
| Credit loss provision to net charge-offs | -7.5758% | 4,467 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,990 |
| Efficiency ratio | 64.3594% | 2,453 |
| Assets per employee ($millions) | 7.4898% | 1,638 |
| Cash dividends to net income (ytd only)* | 66.6322% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,208 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.7200% | 1,611 |
| Net loans and leases to deposits | 84.6199% | 1,690 |
| Net loans and leases to core deposits | 94.2566% | 1,660 |
| Total domestic deposits to total assets | 84.7500% | 2,579 |
| Equity capital to assets | 6.9654% | 3,625 |
| Core capital (leverage) ratio | 9.2155% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1944% | 2,549 |
| Memoranda: | ||
| Average total assets | $97,479,750 | 3,862 |
| Average earning assets | $93,642,750 | 3,821 |
| Average equity | $6,746,250 | 4,073 |
| Average total loans | $71,193,500 | 3,537 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 2,876 |
| Cost of funding earning assets | 0.8435% | 3,088 |
| Net interest margin | 3.5619% | 2,125 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.3401% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3659% | 1,411 |
| Return on assets (ROA) | 1.3659% | 1,393 |
| Pretax return on assets | 1.3659% | 1,899 |
| Return on Equity (ROE) | 19.7800% | 734 |
| Retained earnings to average equity (ytd only) | 8.5829% | 1,796 |
| Net charge-offs to loans | 0.1793% | 441 |
| Credit loss provision to net charge-offs | -7.8125% | 4,499 |
| Earnings coverage of net charge-offs (x) | 10.4063% | 1,994 |
| Efficiency ratio | 63.1433% | 2,577 |
| Assets per employee ($millions) | 7.4926% | 1,611 |
| Cash dividends to net income (ytd only)* | 56.6066% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,299 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.0400% | 1,526 |
| Net loans and leases to deposits | 85.0124% | 1,586 |
| Net loans and leases to core deposits | 93.6657% | 1,587 |
| Total domestic deposits to total assets | 84.7300% | 2,614 |
| Equity capital to assets | 6.9915% | 3,806 |
| Core capital (leverage) ratio | 9.2307% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0605% | 2,610 |
| Memoranda: | ||
| Average total assets | $97,517,333 | 3,877 |
| Average earning assets | $93,657,667 | 3,833 |
| Average equity | $6,734,333 | 4,100 |
| Average total loans | $71,405,667 | 3,540 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,897 |
| Cost of funding earning assets | 0.7599% | 2,872 |
| Net interest margin | 3.5007% | 2,359 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.3367% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2995% | 1,667 |
| Return on assets (ROA) | 1.2995% | 1,639 |
| Pretax return on assets | 1.2995% | 2,174 |
| Return on Equity (ROE) | 18.9400% | 895 |
| Retained earnings to average equity (ytd only) | 3.8826% | 3,304 |
| Net charge-offs to loans | 0.3405% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.1967% | 1,824 |
| Efficiency ratio | 64.2616% | 2,426 |
| Assets per employee ($millions) | 8.0212% | 1,329 |
| Cash dividends to net income (ytd only)* | 79.4953% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,305 |
| Loan loss allowance to noncurrent loans | 752.0408% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,813 |
| Noncurrent loans to loans | 0.1393% | 2,799 |
| Net loans and leases to total assets | 72.3400% | 1,388 |
| Net loans and leases to deposits | 83.2986% | 1,548 |
| Net loans and leases to core deposits | 91.0811% | 1,558 |
| Total domestic deposits to total assets | 86.8400% | 2,323 |
| Equity capital to assets | 7.1872% | 3,739 |
| Core capital (leverage) ratio | 8.9829% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9199% | 2,750 |
| Memoranda: | ||
| Average total assets | $97,574,000 | 3,926 |
| Average earning assets | $93,696,500 | 3,883 |
| Average equity | $6,696,500 | 4,159 |
| Average total loans | $71,661,500 | 3,577 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 2,761 |
| Cost of funding earning assets | 0.2575% | 3,266 |
| Net interest margin | 3.3574% | 2,394 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.4428% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0575% | 2,343 |
| Return on assets (ROA) | 1.0575% | 2,291 |
| Pretax return on assets | 1.0575% | 2,896 |
| Return on Equity (ROE) | 9.3100% | 3,030 |
| Retained earnings to average equity (ytd only) | -54.1756% | 4,721 |
| Net charge-offs to loans | 0.0045% | 2,283 |
| Credit loss provision to net charge-offs | 66.6667% | 1,741 |
| Earnings coverage of net charge-offs (x) | 338.3333% | 450 |
| Efficiency ratio | 69.7466% | 1,722 |
| Assets per employee ($millions) | 7.6072% | 1,539 |
| Cash dividends to net income (ytd only)* | 681.7374% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 2,987 |
| Loan loss allowance to noncurrent loans | 437.7778% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,274 |
| Noncurrent loans to loans | 0.2467% | 2,291 |
| Net loans and leases to total assets | 72.9800% | 1,315 |
| Net loans and leases to deposits | 92.7696% | 865 |
| Net loans and leases to core deposits | 100.6358% | 969 |
| Total domestic deposits to total assets | 78.6700% | 4,032 |
| Equity capital to assets | 6.5474% | 3,883 |
| Core capital (leverage) ratio | 8.9905% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4195% | 2,885 |
| Memoranda: | ||
| Average total assets | $95,790,000 | 3,964 |
| Average earning assets | $92,421,600 | 3,912 |
| Average equity | $10,877,600 | 3,773 |
| Average total loans | $66,976,200 | 3,628 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 2,828 |
| Cost of funding earning assets | 0.1611% | 3,722 |
| Net interest margin | 3.2713% | 2,388 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.4010% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0286% | 2,371 |
| Return on assets (ROA) | 1.0286% | 2,340 |
| Pretax return on assets | 1.0286% | 2,939 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | -68.1552% | 4,758 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.9509% | 1,770 |
| Assets per employee ($millions) | 6.8353% | 2,066 |
| Cash dividends to net income (ytd only)* | 935.3342% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,885 |
| Loan loss allowance to noncurrent loans | 324.5902% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 1,944 |
| Noncurrent loans to loans | 0.3480% | 1,981 |
| Net loans and leases to total assets | 72.4500% | 1,236 |
| Net loans and leases to deposits | 85.3641% | 1,213 |
| Net loans and leases to core deposits | 87.7941% | 1,423 |
| Total domestic deposits to total assets | 84.8700% | 3,314 |
| Equity capital to assets | 6.2679% | 3,858 |
| Core capital (leverage) ratio | 8.6019% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4438% | 2,960 |
| Memoranda: | ||
| Average total assets | $95,014,000 | 3,997 |
| Average earning assets | $91,868,750 | 3,943 |
| Average equity | $11,978,250 | 3,713 |
| Average total loans | $65,480,250 | 3,670 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 2,955 |
| Cost of funding earning assets | 0.1131% | 4,042 |
| Net interest margin | 3.1163% | 2,483 |
| Noninterest income to average assets | 0.2701% | 3,552 |
| Noninterest expense to average assets | 2.3526% | 2,392 |
| Loan and lease loss provision to assets | 0.0042% | 2,533 |
| Net operating income to assets | 0.9368% | 2,416 |
| Return on assets (ROA) | 0.9368% | 2,394 |
| Pretax return on assets | 0.9368% | 2,944 |
| Return on Equity (ROE) | 6.3557% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.8220% | 3,150 |
| Net charge-offs to loans | -0.0063% | 3,418 |
| Credit loss provision to net charge-offs | -100.0000% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 1,780 |
| Assets per employee ($millions) | 7.4740% | 1,628 |
| Cash dividends to net income (ytd only)* | 39.8649% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,911 |
| Loan loss allowance to noncurrent loans | 275.3472% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 1,819 |
| Noncurrent loans to loans | 0.4189% | 1,859 |
| Net loans and leases to total assets | 69.9399% | 1,302 |
| Net loans and leases to deposits | 84.4193% | 1,091 |
| Net loans and leases to core deposits | 85.7487% | 1,355 |
| Total domestic deposits to total assets | 82.8482% | 3,895 |
| Equity capital to assets | 13.6525% | 567 |
| Core capital (leverage) ratio | 15.0984% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5572% | 778 |
| Memoranda: | ||
| Average total assets | $94,787,333 | 4,039 |
| Average earning assets | $91,969,333 | 3,993 |
| Average equity | $13,971,667 | 3,587 |
| Average total loans | $63,932,667 | 3,728 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 3,033 |
| Cost of funding earning assets | 0.0704% | 4,446 |
| Net interest margin | 3.0120% | 2,465 |
| Noninterest income to average assets | 0.2650% | 3,536 |
| Noninterest expense to average assets | 2.3504% | 2,337 |
| Loan and lease loss provision to assets | 0.0085% | 2,163 |
| Net operating income to assets | 0.8333% | 2,542 |
| Return on assets (ROA) | 0.8333% | 2,538 |
| Pretax return on assets | 0.8333% | 3,002 |
| Return on Equity (ROE) | 5.4450% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.4450% | 2,433 |
| Net charge-offs to loans | -0.0130% | 3,697 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6278% | 1,787 |
| Assets per employee ($millions) | 7.4895% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,595 |
| Loan loss allowance to noncurrent loans | 216.0763% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,603 |
| Noncurrent loans to loans | 0.5792% | 1,599 |
| Net loans and leases to total assets | 64.2626% | 1,591 |
| Net loans and leases to deposits | 75.1586% | 1,510 |
| Net loans and leases to core deposits | 75.3977% | 1,816 |
| Total domestic deposits to total assets | 85.5027% | 3,412 |
| Equity capital to assets | 14.2323% | 488 |
| Core capital (leverage) ratio | 15.5406% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2697% | 719 |
| Memoranda: | ||
| Average total assets | $93,600,000 | 4,066 |
| Average earning assets | $90,968,000 | 4,015 |
| Average equity | $14,325,000 | 3,621 |
| Average total loans | $61,525,000 | 3,769 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 2,089 |
| Cost of funding earning assets | 0.1188% | 4,237 |
| Net interest margin | 3.5904% | 1,493 |
| Noninterest income to average assets | 0.3346% | 3,413 |
| Noninterest expense to average assets | 2.2941% | 2,813 |
| Loan and lease loss provision to assets | 0.0587% | 1,886 |
| Net operating income to assets | 1.4599% | 1,106 |
| Return on assets (ROA) | 1.4599% | 1,174 |
| Pretax return on assets | 1.4609% | 1,850 |
| Return on Equity (ROE) | 9.2547% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.3213% | 2,216 |
| Net charge-offs to loans | 0.3891% | 216 |
| Credit loss provision to net charge-offs | 23.5808% | 2,265 |
| Earnings coverage of net charge-offs (x) | 6.1092% | 2,416 |
| Efficiency ratio | 60.1538% | 3,122 |
| Assets per employee ($millions) | 6.9105% | 1,983 |
| Cash dividends to net income (ytd only)* | 31.6964% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,254 |
| Loan loss allowance to noncurrent loans | 215.2589% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 1,604 |
| Noncurrent loans to loans | 0.6149% | 1,609 |
| Net loans and leases to total assets | 65.5621% | 1,522 |
| Net loans and leases to deposits | 79.2879% | 1,276 |
| Net loans and leases to core deposits | 79.5707% | 1,635 |
| Total domestic deposits to total assets | 82.6886% | 3,859 |
| Equity capital to assets | 16.4665% | 336 |
| Core capital (leverage) ratio | 15.6640% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1658% | 633 |
| Memoranda: | ||
| Average total assets | $92,063,800 | 4,080 |
| Average earning assets | $89,210,000 | 4,032 |
| Average equity | $14,522,400 | 3,687 |
| Average total loans | $58,859,200 | 3,835 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 2,055 |
| Cost of funding earning assets | 0.1205% | 4,350 |
| Net interest margin | 3.6608% | 1,431 |
| Noninterest income to average assets | 0.2908% | 3,710 |
| Noninterest expense to average assets | 2.3176% | 2,698 |
| Loan and lease loss provision to assets | 0.0594% | 1,806 |
| Net operating income to assets | 1.4568% | 1,373 |
| Return on assets (ROA) | 1.4568% | 1,432 |
| Pretax return on assets | 1.4568% | 2,126 |
| Return on Equity (ROE) | 9.3346% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.5675% | 2,591 |
| Net charge-offs to loans | 0.5160% | 150 |
| Credit loss provision to net charge-offs | 18.0617% | 2,000 |
| Earnings coverage of net charge-offs (x) | 4.6388% | 2,254 |
| Efficiency ratio | 60.4581% | 2,917 |
| Assets per employee ($millions) | 7.3603% | 1,647 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 2,295 |
| Loan loss allowance to noncurrent loans | 84.4734% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 701 |
| Noncurrent loans to loans | 1.5825% | 650 |
| Net loans and leases to total assets | 60.0100% | 2,264 |
| Net loans and leases to deposits | 71.3310% | 2,121 |
| Net loans and leases to core deposits | 71.5603% | 2,462 |
| Total domestic deposits to total assets | 84.1290% | 3,426 |
| Equity capital to assets | 15.5272% | 466 |
| Core capital (leverage) ratio | 15.3397% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6178% | 632 |
| Memoranda: | ||
| Average total assets | $92,620,500 | 4,126 |
| Average earning assets | $89,632,500 | 4,073 |
| Average equity | $14,454,750 | 3,742 |
| Average total loans | $58,651,750 | 3,894 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6057% | 2,602 |
| Cost of funding earning assets | 0.1242% | 4,401 |
| Net interest margin | 3.4815% | 1,910 |
| Noninterest income to average assets | 0.2751% | 3,757 |
| Noninterest expense to average assets | 2.3494% | 2,619 |
| Loan and lease loss provision to assets | 0.0590% | 1,852 |
| Net operating income to assets | 1.2336% | 2,070 |
| Return on assets (ROA) | 1.2336% | 2,135 |
| Pretax return on assets | 1.2336% | 2,821 |
| Return on Equity (ROE) | 7.8907% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,446 |
| Net charge-offs to loans | 0.7721% | 109 |
| Credit loss provision to net charge-offs | 11.8943% | 1,769 |
| Earnings coverage of net charge-offs (x) | 2.6079% | 2,115 |
| Efficiency ratio | 64.5084% | 2,358 |
| Assets per employee ($millions) | 7.0705% | 1,753 |
| Cash dividends to net income (ytd only)* | 46.3717% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,465 |
| Loan loss allowance to noncurrent loans | 37.4633% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2586% | 168 |
| Noncurrent loans to loans | 3.4548% | 183 |
| Net loans and leases to total assets | 63.4721% | 2,017 |
| Net loans and leases to deposits | 75.6075% | 1,858 |
| Net loans and leases to core deposits | 75.8611% | 2,251 |
| Total domestic deposits to total assets | 83.9495% | 3,458 |
| Equity capital to assets | 15.6991% | 445 |
| Core capital (leverage) ratio | 15.0295% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6309% | 640 |
| Memoranda: | ||
| Average total assets | $91,599,333 | 4,156 |
| Average earning assets | $88,582,000 | 4,106 |
| Average equity | $14,320,667 | 3,759 |
| Average total loans | $58,803,000 | 3,916 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 3,369 |
| Cost of funding earning assets | 0.1312% | 4,451 |
| Net interest margin | 3.2075% | 2,674 |
| Noninterest income to average assets | 0.2756% | 3,746 |
| Noninterest expense to average assets | 2.2266% | 3,019 |
| Loan and lease loss provision to assets | 0.0612% | 1,900 |
| Net operating income to assets | 1.0892% | 2,511 |
| Return on assets (ROA) | 1.0892% | 2,583 |
| Pretax return on assets | 1.0892% | 3,136 |
| Return on Equity (ROE) | 6.9816% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.9815% | 3,508 |
| Net charge-offs to loans | 0.0068% | 1,653 |
| Credit loss provision to net charge-offs | 1,400.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 333 |
| Efficiency ratio | 65.9326% | 2,243 |
| Assets per employee ($millions) | 6.8286% | 1,907 |
| Cash dividends to net income (ytd only)* | 42.9719% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,290 |
| Loan loss allowance to noncurrent loans | 80.4778% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 541 |
| Noncurrent loans to loans | 1.9917% | 546 |
| Net loans and leases to total assets | 62.7368% | 2,200 |
| Net loans and leases to deposits | 74.1097% | 2,107 |
| Net loans and leases to core deposits | 74.3467% | 2,483 |
| Total domestic deposits to total assets | 84.6539% | 3,238 |
| Equity capital to assets | 14.9057% | 509 |
| Core capital (leverage) ratio | 15.0882% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3325% | 638 |
| Memoranda: | ||
| Average total assets | $91,441,000 | 4,168 |
| Average earning assets | $88,417,500 | 4,118 |
| Average equity | $14,266,000 | 3,770 |
| Average total loans | $58,651,500 | 3,934 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 2,831 |
| Cost of funding earning assets | 0.2366% | 4,432 |
| Net interest margin | 3.7307% | 1,702 |
| Noninterest income to average assets | 0.3008% | 3,675 |
| Noninterest expense to average assets | 2.5488% | 2,698 |
| Loan and lease loss provision to assets | 0.3624% | 926 |
| Net operating income to assets | 0.9688% | 2,402 |
| Return on assets (ROA) | 0.9688% | 2,551 |
| Pretax return on assets | 0.9700% | 3,142 |
| Return on Equity (ROE) | 5.5555% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.9950% | 3,825 |
| Net charge-offs to loans | 0.4953% | 322 |
| Credit loss provision to net charge-offs | 106.7616% | 2,754 |
| Earnings coverage of net charge-offs (x) | 3.9253% | 3,044 |
| Efficiency ratio | 65.6707% | 2,583 |
| Assets per employee ($millions) | 6.7395% | 1,752 |
| Cash dividends to net income (ytd only)* | 64.0898% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,353 |
| Loan loss allowance to noncurrent loans | 174.1047% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,216 |
| Noncurrent loans to loans | 0.6442% | 2,070 |
| Net loans and leases to total assets | 63.5937% | 2,418 |
| Net loans and leases to deposits | 76.8818% | 2,185 |
| Net loans and leases to core deposits | 77.1565% | 2,627 |
| Total domestic deposits to total assets | 82.7162% | 3,490 |
| Equity capital to assets | 16.6811% | 365 |
| Core capital (leverage) ratio | 15.8841% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3502% | 553 |
| Memoranda: | ||
| Average total assets | $82,784,000 | 4,211 |
| Average earning assets | $79,448,600 | 4,164 |
| Average equity | $14,436,200 | 3,702 |
| Average total loans | $56,730,400 | 3,968 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 2,991 |
| Cost of funding earning assets | 0.2557% | 4,492 |
| Net interest margin | 3.7378% | 1,807 |
| Noninterest income to average assets | 0.3007% | 3,683 |
| Noninterest expense to average assets | 2.6151% | 2,494 |
| Loan and lease loss provision to assets | 0.3273% | 1,192 |
| Net operating income to assets | 0.9431% | 2,548 |
| Return on assets (ROA) | 0.9431% | 2,678 |
| Pretax return on assets | 0.9431% | 3,254 |
| Return on Equity (ROE) | 5.3456% | 3,775 |
| Retained earnings to average equity (ytd only) | 1.1951% | 4,181 |
| Net charge-offs to loans | 0.2276% | 672 |
| Credit loss provision to net charge-offs | 206.1856% | 2,091 |
| Earnings coverage of net charge-offs (x) | 8.0103% | 2,532 |
| Efficiency ratio | 67.3117% | 2,280 |
| Assets per employee ($millions) | 7.2656% | 1,342 |
| Cash dividends to net income (ytd only)* | 77.6430% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,589 |
| Loan loss allowance to noncurrent loans | 64.0429% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3213% | 701 |
| Noncurrent loans to loans | 1.8953% | 671 |
| Net loans and leases to total assets | 66.8345% | 2,406 |
| Net loans and leases to deposits | 80.8646% | 2,214 |
| Net loans and leases to core deposits | 83.7769% | 2,498 |
| Total domestic deposits to total assets | 82.6499% | 3,235 |
| Equity capital to assets | 16.6447% | 406 |
| Core capital (leverage) ratio | 16.4231% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7211% | 603 |
| Memoranda: | ||
| Average total assets | $81,576,500 | 4,237 |
| Average earning assets | $78,226,500 | 4,194 |
| Average equity | $14,391,500 | 3,709 |
| Average total loans | $56,825,750 | 3,987 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,062 |
| Cost of funding earning assets | 0.2672% | 4,571 |
| Net interest margin | 3.8275% | 1,747 |
| Noninterest income to average assets | 0.3011% | 3,664 |
| Noninterest expense to average assets | 2.7727% | 2,154 |
| Loan and lease loss provision to assets | 0.3889% | 1,055 |
| Net operating income to assets | 0.8055% | 3,031 |
| Return on assets (ROA) | 0.8055% | 3,143 |
| Pretax return on assets | 0.8055% | 3,568 |
| Return on Equity (ROE) | 4.4735% | 3,984 |
| Retained earnings to average equity (ytd only) | 0.7247% | 4,156 |
| Net charge-offs to loans | 0.0143% | 2,466 |
| Credit loss provision to net charge-offs | 3,875.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 628 |
| Efficiency ratio | 69.8925% | 1,969 |
| Assets per employee ($millions) | 6.4875% | 1,790 |
| Cash dividends to net income (ytd only)* | 83.8006% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,112 |
| Loan loss allowance to noncurrent loans | 63.1405% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.4750% | 640 |
| Noncurrent loans to loans | 2.0245% | 662 |
| Net loans and leases to total assets | 69.9625% | 2,039 |
| Net loans and leases to deposits | 85.1627% | 1,862 |
| Net loans and leases to core deposits | 89.7005% | 2,093 |
| Total domestic deposits to total assets | 82.1516% | 3,328 |
| Equity capital to assets | 17.1453% | 367 |
| Core capital (leverage) ratio | 17.2293% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6861% | 611 |
| Memoranda: | ||
| Average total assets | $79,706,333 | 4,256 |
| Average earning assets | $76,342,667 | 4,221 |
| Average equity | $14,351,333 | 3,720 |
| Average total loans | $56,105,333 | 4,016 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,830 |
| Cost of funding earning assets | 0.2968% | 4,668 |
| Net interest margin | 4.0312% | 1,310 |
| Noninterest income to average assets | 0.3256% | 3,573 |
| Noninterest expense to average assets | 3.0495% | 1,767 |
| Loan and lease loss provision to assets | 0.6202% | 440 |
| Net operating income to assets | 0.5169% | 3,854 |
| Return on assets (ROA) | 0.5169% | 3,910 |
| Pretax return on assets | 0.5169% | 4,093 |
| Return on Equity (ROE) | 2.7978% | 4,266 |
| Retained earnings to average equity (ytd only) | -0.4756% | 4,069 |
| Net charge-offs to loans | 0.0369% | 1,682 |
| Credit loss provision to net charge-offs | 2,400.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 980 |
| Efficiency ratio | 72.8395% | 1,960 |
| Assets per employee ($millions) | 6.0335% | 1,651 |
| Cash dividends to net income (ytd only)* | 117.0000% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,803 |
| Loan loss allowance to noncurrent loans | 57.8696% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 639 |
| Noncurrent loans to loans | 2.3688% | 523 |
| Net loans and leases to total assets | 66.7806% | 2,725 |
| Net loans and leases to deposits | 82.3417% | 2,412 |
| Net loans and leases to core deposits | 85.7171% | 2,704 |
| Total domestic deposits to total assets | 81.1018% | 3,641 |
| Equity capital to assets | 18.3360% | 331 |
| Core capital (leverage) ratio | 17.9014% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1384% | 556 |
| Memoranda: | ||
| Average total assets | $77,390,500 | 4,301 |
| Average earning assets | $74,121,000 | 4,256 |
| Average equity | $14,297,000 | 3,738 |
| Average total loans | $54,273,500 | 4,066 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 2,345 |
| Cost of funding earning assets | 0.2622% | 4,820 |
| Net interest margin | 4.4325% | 836 |
| Noninterest income to average assets | 0.3664% | 3,505 |
| Noninterest expense to average assets | 3.0948% | 1,778 |
| Loan and lease loss provision to assets | 0.0531% | 2,972 |
| Net operating income to assets | 1.4591% | 1,162 |
| Return on assets (ROA) | 1.4591% | 1,222 |
| Pretax return on assets | 1.4604% | 1,935 |
| Return on Equity (ROE) | 7.9188% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.3016% | 2,808 |
| Net charge-offs to loans | 0.2014% | 1,015 |
| Credit loss provision to net charge-offs | 36.6972% | 3,230 |
| Earnings coverage of net charge-offs (x) | 10.4587% | 2,572 |
| Efficiency ratio | 67.1564% | 2,593 |
| Assets per employee ($millions) | 5.8727% | 1,739 |
| Cash dividends to net income (ytd only)* | 45.6779% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,925 |
| Loan loss allowance to noncurrent loans | 63.3540% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 881 |
| Noncurrent loans to loans | 1.7425% | 784 |
| Net loans and leases to total assets | 71.8148% | 2,119 |
| Net loans and leases to deposits | 88.8520% | 1,722 |
| Net loans and leases to core deposits | 92.6116% | 2,192 |
| Total domestic deposits to total assets | 80.8252% | 3,804 |
| Equity capital to assets | 18.6155% | 325 |
| Core capital (leverage) ratio | 18.2069% | 327 |
| Tier 1 risk-based capital ratio | 21.3365% | 1,111 |
| Total risk-based capital ratio | 22.2745% | 1,133 |
| Memoranda: | ||
| Average total assets | $75,320,200 | 4,359 |
| Average earning assets | $72,081,200 | 4,310 |
| Average equity | $13,878,400 | 3,768 |
| Average total loans | $54,126,600 | 4,099 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 2,385 |
| Cost of funding earning assets | 0.2408% | 4,946 |
| Net interest margin | 4.4699% | 821 |
| Noninterest income to average assets | 0.3588% | 3,580 |
| Noninterest expense to average assets | 3.1244% | 1,656 |
| Loan and lease loss provision to assets | 0.0444% | 3,022 |
| Net operating income to assets | 1.4760% | 1,252 |
| Return on assets (ROA) | 1.4760% | 1,313 |
| Pretax return on assets | 1.4760% | 2,030 |
| Return on Equity (ROE) | 8.0317% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.3010% | 3,247 |
| Net charge-offs to loans | 0.2701% | 653 |
| Credit loss provision to net charge-offs | 22.9358% | 2,951 |
| Earnings coverage of net charge-offs (x) | 7.8532% | 2,707 |
| Efficiency ratio | 67.2658% | 2,534 |
| Assets per employee ($millions) | 4.9018% | 2,659 |
| Cash dividends to net income (ytd only)* | 46.4498% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,968 |
| Loan loss allowance to noncurrent loans | 62.9083% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.2907% | 943 |
| Noncurrent loans to loans | 1.7674% | 813 |
| Net loans and leases to total assets | 72.2170% | 2,146 |
| Net loans and leases to deposits | 90.0181% | 1,693 |
| Net loans and leases to core deposits | 90.0181% | 2,544 |
| Total domestic deposits to total assets | 80.2250% | 3,943 |
| Equity capital to assets | 19.1426% | 302 |
| Core capital (leverage) ratio | 18.5929% | 311 |
| Tier 1 risk-based capital ratio | 21.5920% | 1,125 |
| Total risk-based capital ratio | 22.5282% | 1,137 |
| Memoranda: | ||
| Average total assets | $75,064,000 | 4,415 |
| Average earning assets | $71,976,250 | 4,368 |
| Average equity | $13,795,000 | 3,817 |
| Average total loans | $53,798,500 | 4,153 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,659 |
| Cost of funding earning assets | 0.2315% | 5,007 |
| Net interest margin | 4.3738% | 988 |
| Noninterest income to average assets | 0.3440% | 3,637 |
| Noninterest expense to average assets | 3.1703% | 1,568 |
| Loan and lease loss provision to assets | 0.0265% | 3,291 |
| Net operating income to assets | 1.3470% | 1,587 |
| Return on assets (ROA) | 1.3470% | 1,653 |
| Pretax return on assets | 1.3470% | 2,392 |
| Return on Equity (ROE) | 7.4298% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.6564% | 2,942 |
| Net charge-offs to loans | 0.1820% | 905 |
| Credit loss provision to net charge-offs | 20.4082% | 2,653 |
| Earnings coverage of net charge-offs (x) | 10.5918% | 2,256 |
| Efficiency ratio | 69.7729% | 2,261 |
| Assets per employee ($millions) | 5.0253% | 2,448 |
| Cash dividends to net income (ytd only)* | 37.3281% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,585 |
| Loan loss allowance to noncurrent loans | 62.3907% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 888 |
| Noncurrent loans to loans | 1.9053% | 775 |
| Net loans and leases to total assets | 70.7969% | 2,425 |
| Net loans and leases to deposits | 87.4695% | 2,063 |
| Net loans and leases to core deposits | 88.1951% | 2,780 |
| Total domestic deposits to total assets | 80.9390% | 3,829 |
| Equity capital to assets | 18.4096% | 340 |
| Core capital (leverage) ratio | 18.4400% | 315 |
| Tier 1 risk-based capital ratio | 21.4428% | 1,128 |
| Total risk-based capital ratio | 22.4519% | 1,136 |
| Memoranda: | ||
| Average total assets | $75,576,330 | 4,443 |
| Average earning assets | $72,567,670 | 4,391 |
| Average equity | $13,701,670 | 3,831 |
| Average total loans | $53,832,670 | 4,179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 2,186 |
| Cost of funding earning assets | 0.2369% | 5,018 |
| Net interest margin | 4.4744% | 776 |
| Noninterest income to average assets | 0.3119% | 3,776 |
| Noninterest expense to average assets | 3.1080% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4959% | 1,122 |
| Return on assets (ROA) | 1.4959% | 1,152 |
| Pretax return on assets | 1.4959% | 1,784 |
| Return on Equity (ROE) | 8.3150% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.3150% | 1,545 |
| Net charge-offs to loans | -0.0074% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5086% | 2,711 |
| Assets per employee ($millions) | 4.6739% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 68.2424% | 2,723 |
| Net loans and leases to deposits | 84.4232% | 2,337 |
| Net loans and leases to core deposits | 85.1274% | 2,945 |
| Total domestic deposits to total assets | 80.8336% | 4,001 |
| Equity capital to assets | 18.4523% | 311 |
| Core capital (leverage) ratio | 17.9723% | 339 |
| Tier 1 risk-based capital ratio | 21.7670% | 1,078 |
| Total risk-based capital ratio | 22.8580% | 1,079 |
| Memoranda: | ||
| Average total assets | $75,675,000 | 4,489 |
| Average earning assets | $72,591,500 | 4,440 |
| Average equity | $13,614,000 | 3,850 |
| Average total loans | $53,745,000 | 4,222 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 2,098 |
| Cost of funding earning assets | 0.2189% | 4,924 |
| Net interest margin | 4.3967% | 945 |
| Noninterest income to average assets | 0.3525% | 3,742 |
| Noninterest expense to average assets | 2.9930% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5598% | 969 |
| Return on assets (ROA) | 1.5598% | 962 |
| Pretax return on assets | 1.5611% | 1,587 |
| Return on Equity (ROE) | 9.2277% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.2250% | 2,649 |
| Net charge-offs to loans | 0.0130% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 172.7143% | 505 |
| Efficiency ratio | 65.7216% | 2,908 |
| Assets per employee ($millions) | 4.7855% | 2,761 |
| Cash dividends to net income (ytd only)* | 43.3775% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.9543% | 2,264 |
| Net loans and leases to deposits | 87.9955% | 2,040 |
| Net loans and leases to core deposits | 89.4238% | 2,617 |
| Total domestic deposits to total assets | 81.7705% | 3,700 |
| Equity capital to assets | 17.5387% | 376 |
| Core capital (leverage) ratio | 17.2005% | 393 |
| Tier 1 risk-based capital ratio | 20.6609% | 1,199 |
| Total risk-based capital ratio | 21.7169% | 1,207 |
| Memoranda: | ||
| Average total assets | $77,447,400 | 4,474 |
| Average earning assets | $74,010,800 | 4,422 |
| Average equity | $13,091,000 | 3,869 |
| Average total loans | $53,936,000 | 4,226 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 2,150 |
| Cost of funding earning assets | 0.1958% | 5,033 |
| Net interest margin | 4.3464% | 1,018 |
| Noninterest income to average assets | 0.3553% | 3,754 |
| Noninterest expense to average assets | 3.0042% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5055% | 1,180 |
| Return on assets (ROA) | 1.5055% | 1,175 |
| Pretax return on assets | 1.5055% | 1,880 |
| Return on Equity (ROE) | 8.9901% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.9308% | 3,275 |
| Net charge-offs to loans | 0.0150% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 146.1625% | 558 |
| Efficiency ratio | 66.6159% | 2,768 |
| Assets per employee ($millions) | 4.8884% | 2,611 |
| Cash dividends to net income (ytd only)* | 45.1544% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.6226% | 2,388 |
| Net loans and leases to deposits | 90.3644% | 1,844 |
| Net loans and leases to core deposits | 90.3644% | 2,630 |
| Total domestic deposits to total assets | 79.2597% | 4,266 |
| Equity capital to assets | 17.9391% | 338 |
| Core capital (leverage) ratio | 17.1682% | 400 |
| Tier 1 risk-based capital ratio | 21.5966% | 1,105 |
| Total risk-based capital ratio | 22.7191% | 1,102 |
| Memoranda: | ||
| Average total assets | $77,667,250 | 4,516 |
| Average earning assets | $74,236,750 | 4,462 |
| Average equity | $13,006,500 | 3,910 |
| Average total loans | $53,476,250 | 4,281 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 2,316 |
| Cost of funding earning assets | 0.1641% | 5,185 |
| Net interest margin | 4.2673% | 1,114 |
| Noninterest income to average assets | 0.3539% | 3,797 |
| Noninterest expense to average assets | 2.9249% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5042% | 1,151 |
| Return on assets (ROA) | 1.5042% | 1,148 |
| Pretax return on assets | 1.5042% | 1,800 |
| Return on Equity (ROE) | 9.1840% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.8158% | 3,175 |
| Net charge-offs to loans | 0.0261% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 793 |
| Efficiency ratio | 66.0388% | 2,970 |
| Assets per employee ($millions) | 4.8377% | 2,635 |
| Cash dividends to net income (ytd only)* | 47.5630% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.7493% | 2,904 |
| Net loans and leases to deposits | 82.0734% | 2,760 |
| Net loans and leases to core deposits | 82.0734% | 3,235 |
| Total domestic deposits to total assets | 82.5472% | 3,551 |
| Equity capital to assets | 16.8030% | 419 |
| Core capital (leverage) ratio | 16.5352% | 440 |
| Tier 1 risk-based capital ratio | 21.1547% | 1,147 |
| Total risk-based capital ratio | 22.2652% | 1,145 |
| Memoranda: | ||
| Average total assets | $79,114,330 | 4,528 |
| Average earning assets | $75,551,000 | 4,483 |
| Average equity | $12,957,330 | 3,937 |
| Average total loans | $53,568,330 | 4,317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,416 |
| Cost of funding earning assets | 0.1618% | 5,213 |
| Net interest margin | 4.1691% | 1,247 |
| Noninterest income to average assets | 0.3551% | 3,772 |
| Noninterest expense to average assets | 2.9411% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4105% | 1,318 |
| Return on assets (ROA) | 1.4105% | 1,326 |
| Pretax return on assets | 1.4105% | 1,973 |
| Return on Equity (ROE) | 8.7219% | 3,042 |
| Retained earnings to average equity (ytd only) | 8.7219% | 1,567 |
| Net charge-offs to loans | 0.0669% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,215 |
| Efficiency ratio | 67.5862% | 2,898 |
| Assets per employee ($millions) | 4.7269% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,231 |
| Loan loss allowance to noncurrent loans | 4,526.6667% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,022 |
| Noncurrent loans to loans | 0.0288% | 4,850 |
| Net loans and leases to total assets | 64.0036% | 3,304 |
| Net loans and leases to deposits | 76.9779% | 3,115 |
| Net loans and leases to core deposits | 76.9779% | 3,580 |
| Total domestic deposits to total assets | 83.1454% | 3,618 |
| Equity capital to assets | 16.1988% | 472 |
| Core capital (leverage) ratio | 15.7426% | 525 |
| Tier 1 risk-based capital ratio | 21.7209% | 1,098 |
| Total risk-based capital ratio | 22.8623% | 1,082 |
| Memoranda: | ||
| Average total assets | $79,970,000 | 4,567 |
| Average earning assets | $76,659,000 | 4,516 |
| Average equity | $12,933,000 | 3,979 |
| Average total loans | $53,792,500 | 4,354 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 2,359 |
| Cost of funding earning assets | 0.1783% | 5,107 |
| Net interest margin | 4.1121% | 1,397 |
| Noninterest income to average assets | 0.3288% | 4,118 |
| Noninterest expense to average assets | 2.9068% | 2,434 |
| Loan and lease loss provision to assets | 0.0285% | 3,702 |
| Net operating income to assets | 1.3411% | 1,138 |
| Return on assets (ROA) | 1.3411% | 1,161 |
| Pretax return on assets | 1.3424% | 2,204 |
| Return on Equity (ROE) | 8.5156% | 2,531 |
| Retained earnings to average equity (ytd only) | 4.6241% | 2,377 |
| Net charge-offs to loans | -0.0379% | 5,120 |
| Credit loss provision to net charge-offs | -109.5238% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9524% | 2,907 |
| Assets per employee ($millions) | 4.6813% | 2,894 |
| Cash dividends to net income (ytd only)* | 45.6984% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,534 |
| Loan loss allowance to noncurrent loans | 4,586.6667% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,066 |
| Noncurrent loans to loans | 0.0270% | 4,894 |
| Net loans and leases to total assets | 68.8422% | 2,702 |
| Net loans and leases to deposits | 82.7633% | 2,637 |
| Net loans and leases to core deposits | 82.7633% | 3,171 |
| Total domestic deposits to total assets | 83.1796% | 3,504 |
| Equity capital to assets | 16.1456% | 496 |
| Core capital (leverage) ratio | 15.9483% | 480 |
| Tier 1 risk-based capital ratio | 20.1518% | 1,289 |
| Total risk-based capital ratio | 21.2486% | 1,282 |
| Memoranda: | ||
| Average total assets | $80,604,000 | 4,580 |
| Average earning assets | $77,405,600 | 4,509 |
| Average equity | $12,694,400 | 4,031 |
| Average total loans | $55,345,000 | 4,315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 2,396 |
| Cost of funding earning assets | 0.1834% | 5,113 |
| Net interest margin | 4.0759% | 1,465 |
| Noninterest income to average assets | 0.3265% | 4,199 |
| Noninterest expense to average assets | 2.9367% | 2,290 |
| Loan and lease loss provision to assets | 0.0379% | 3,347 |
| Net operating income to assets | 1.2730% | 1,425 |
| Return on assets (ROA) | 1.2730% | 1,451 |
| Pretax return on assets | 1.2730% | 2,614 |
| Return on Equity (ROE) | 8.1331% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.5933% | 3,148 |
| Net charge-offs to loans | -0.0458% | 5,142 |
| Credit loss provision to net charge-offs | -121.0526% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1382% | 2,684 |
| Assets per employee ($millions) | 4.8931% | 2,579 |
| Cash dividends to net income (ytd only)* | 43.5233% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,619 |
| Loan loss allowance to noncurrent loans | 121.2014% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 2,344 |
| Noncurrent loans to loans | 1.0347% | 1,868 |
| Net loans and leases to total assets | 68.9931% | 2,694 |
| Net loans and leases to deposits | 83.2676% | 2,630 |
| Net loans and leases to core deposits | 83.2676% | 3,195 |
| Total domestic deposits to total assets | 82.8571% | 3,506 |
| Equity capital to assets | 16.4059% | 493 |
| Core capital (leverage) ratio | 15.4835% | 582 |
| Tier 1 risk-based capital ratio | 20.1059% | 1,342 |
| Total risk-based capital ratio | 21.2103% | 1,331 |
| Memoranda: | ||
| Average total assets | $80,859,500 | 4,617 |
| Average earning assets | $77,788,500 | 4,544 |
| Average equity | $12,655,750 | 4,075 |
| Average total loans | $55,312,750 | 4,351 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,762 |
| Cost of funding earning assets | 0.1809% | 5,136 |
| Net interest margin | 3.9407% | 1,806 |
| Noninterest income to average assets | 0.3206% | 4,261 |
| Noninterest expense to average assets | 2.8905% | 2,454 |
| Loan and lease loss provision to assets | 0.0563% | 2,847 |
| Net operating income to assets | 1.1601% | 1,739 |
| Return on assets (ROA) | 1.1601% | 1,782 |
| Pretax return on assets | 1.1601% | 2,936 |
| Return on Equity (ROE) | 7.5280% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.2410% | 2,554 |
| Net charge-offs to loans | -0.0648% | 5,272 |
| Credit loss provision to net charge-offs | -127.7778% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3814% | 2,604 |
| Assets per employee ($millions) | 4.7622% | 2,703 |
| Cash dividends to net income (ytd only)* | 30.3797% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,128 |
| Loan loss allowance to noncurrent loans | 110.1286% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 2,288 |
| Noncurrent loans to loans | 1.0729% | 1,827 |
| Net loans and leases to total assets | 70.7663% | 2,406 |
| Net loans and leases to deposits | 89.0400% | 1,859 |
| Net loans and leases to core deposits | 89.0400% | 2,611 |
| Total domestic deposits to total assets | 79.4770% | 4,518 |
| Equity capital to assets | 15.7514% | 565 |
| Core capital (leverage) ratio | 14.9522% | 640 |
| Tier 1 risk-based capital ratio | 19.1598% | 1,558 |
| Total risk-based capital ratio | 20.2197% | 1,549 |
| Memoranda: | ||
| Average total assets | $81,716,330 | 4,633 |
| Average earning assets | $78,514,670 | 4,557 |
| Average equity | $12,593,000 | 4,096 |
| Average total loans | $55,517,000 | 4,373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 2,968 |
| Cost of funding earning assets | 0.1725% | 5,216 |
| Net interest margin | 3.8451% | 1,970 |
| Noninterest income to average assets | 0.3313% | 4,180 |
| Noninterest expense to average assets | 2.9137% | 2,417 |
| Loan and lease loss provision to assets | 0.1121% | 1,710 |
| Net operating income to assets | 0.9988% | 2,312 |
| Return on assets (ROA) | 0.9988% | 2,359 |
| Pretax return on assets | 0.9988% | 3,376 |
| Return on Equity (ROE) | 6.5529% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.5529% | 2,050 |
| Net charge-offs to loans | -0.1179% | 5,494 |
| Credit loss provision to net charge-offs | -143.7500% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3971% | 2,504 |
| Assets per employee ($millions) | 4.8389% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,567 |
| Loan loss allowance to noncurrent loans | 4,017.6471% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 5,254 |
| Noncurrent loans to loans | 0.0322% | 5,077 |
| Net loans and leases to total assets | 63.3464% | 3,353 |
| Net loans and leases to deposits | 75.4179% | 3,263 |
| Net loans and leases to core deposits | 78.8411% | 3,404 |
| Total domestic deposits to total assets | 83.9938% | 3,483 |
| Equity capital to assets | 15.3400% | 586 |
| Core capital (leverage) ratio | 14.7776% | 649 |
| Tier 1 risk-based capital ratio | 20.4246% | 1,313 |
| Total risk-based capital ratio | 21.5627% | 1,296 |
| Memoranda: | ||
| Average total assets | $82,095,500 | 4,671 |
| Average earning assets | $78,854,000 | 4,594 |
| Average equity | $12,513,500 | 4,133 |
| Average total loans | $54,287,500 | 4,444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,570 |
| Cost of funding earning assets | 0.1969% | 5,042 |
| Net interest margin | 3.9776% | 1,703 |
| Noninterest income to average assets | 0.3263% | 4,405 |
| Noninterest expense to average assets | 2.9164% | 2,616 |
| Loan and lease loss provision to assets | 0.1620% | 1,527 |
| Net operating income to assets | 1.0521% | 2,130 |
| Return on assets (ROA) | 1.0521% | 2,230 |
| Pretax return on assets | 1.0533% | 3,287 |
| Return on Equity (ROE) | 7.0133% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.7346% | 3,263 |
| Net charge-offs to loans | 0.2413% | 1,157 |
| Credit loss provision to net charge-offs | 98.5401% | 2,633 |
| Earnings coverage of net charge-offs (x) | 7.3942% | 3,027 |
| Efficiency ratio | 70.5865% | 2,815 |
| Assets per employee ($millions) | 4.5516% | 3,040 |
| Cash dividends to net income (ytd only)* | 46.7503% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,395 |
| Loan loss allowance to noncurrent loans | 533.0579% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,725 |
| Noncurrent loans to loans | 0.2169% | 4,376 |
| Net loans and leases to total assets | 67.2985% | 2,888 |
| Net loans and leases to deposits | 80.9481% | 2,783 |
| Net loans and leases to core deposits | 85.3329% | 2,899 |
| Total domestic deposits to total assets | 83.1378% | 3,725 |
| Equity capital to assets | 15.1448% | 618 |
| Core capital (leverage) ratio | 14.1990% | 764 |
| Tier 1 risk-based capital ratio | 19.3374% | 1,517 |
| Total risk-based capital ratio | 20.3722% | 1,529 |
| Memoranda: | ||
| Average total assets | $83,355,000 | 4,662 |
| Average earning assets | $79,745,800 | 4,592 |
| Average equity | $12,504,800 | 4,170 |
| Average total loans | $56,778,400 | 4,390 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,543 |
| Cost of funding earning assets | 0.2002% | 5,066 |
| Net interest margin | 3.9914% | 1,686 |
| Noninterest income to average assets | 0.3170% | 4,504 |
| Noninterest expense to average assets | 2.8223% | 2,927 |
| Loan and lease loss provision to assets | 0.1800% | 1,234 |
| Net operating income to assets | 1.1245% | 1,896 |
| Return on assets (ROA) | 1.1245% | 2,009 |
| Pretax return on assets | 1.1261% | 3,131 |
| Return on Equity (ROE) | 7.5130% | 3,287 |
| Retained earnings to average equity (ytd only) | 4.0013% | 3,455 |
| Net charge-offs to loans | 0.3367% | 686 |
| Credit loss provision to net charge-offs | 78.4722% | 2,685 |
| Earnings coverage of net charge-offs (x) | 5.6943% | 3,095 |
| Efficiency ratio | 68.3642% | 3,165 |
| Assets per employee ($millions) | 5.1749% | 2,165 |
| Cash dividends to net income (ytd only)* | 46.7423% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,716 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,532 |
| Noncurrent loans to loans | 0.2994% | 4,178 |
| Net loans and leases to total assets | 65.4074% | 3,217 |
| Net loans and leases to deposits | 80.1326% | 2,947 |
| Net loans and leases to core deposits | 84.5092% | 3,079 |
| Total domestic deposits to total assets | 81.6240% | 4,070 |
| Equity capital to assets | 15.2830% | 676 |
| Core capital (leverage) ratio | 14.4244% | 740 |
| Tier 1 risk-based capital ratio | 19.3535% | 1,586 |
| Total risk-based capital ratio | 20.3485% | 1,606 |
| Memoranda: | ||
| Average total assets | $83,711,500 | 4,690 |
| Average earning assets | $79,936,250 | 4,625 |
| Average equity | $12,529,000 | 4,205 |
| Average total loans | $57,027,500 | 4,410 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 2,570 |
| Cost of funding earning assets | 0.1957% | 5,187 |
| Net interest margin | 3.9839% | 1,690 |
| Noninterest income to average assets | 0.3190% | 4,497 |
| Noninterest expense to average assets | 2.8233% | 2,949 |
| Loan and lease loss provision to assets | 0.2142% | 988 |
| Net operating income to assets | 1.1093% | 1,925 |
| Return on assets (ROA) | 1.1093% | 2,045 |
| Pretax return on assets | 1.1093% | 3,164 |
| Return on Equity (ROE) | 7.4636% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.2123% | 3,230 |
| Net charge-offs to loans | 0.4846% | 454 |
| Credit loss provision to net charge-offs | 64.2857% | 2,527 |
| Earnings coverage of net charge-offs (x) | 3.9714% | 3,037 |
| Efficiency ratio | 68.0827% | 3,327 |
| Assets per employee ($millions) | 5.0807% | 2,221 |
| Cash dividends to net income (ytd only)* | 43.5622% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 4,139 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,287 |
| Noncurrent loans to loans | 0.3955% | 3,943 |
| Net loans and leases to total assets | 67.9989% | 2,773 |
| Net loans and leases to deposits | 83.5581% | 2,520 |
| Net loans and leases to core deposits | 87.5273% | 2,776 |
| Total domestic deposits to total assets | 81.3792% | 4,168 |
| Equity capital to assets | 15.4986% | 626 |
| Core capital (leverage) ratio | 13.7782% | 881 |
| Tier 1 risk-based capital ratio | 18.9747% | 1,699 |
| Total risk-based capital ratio | 19.9276% | 1,724 |
| Memoranda: | ||
| Average total assets | $84,016,000 | 4,721 |
| Average earning assets | $80,725,670 | 4,648 |
| Average equity | $12,487,330 | 4,234 |
| Average total loans | $57,779,670 | 4,414 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 2,759 |
| Cost of funding earning assets | 0.1755% | 5,416 |
| Net interest margin | 3.9482% | 1,791 |
| Noninterest income to average assets | 0.2998% | 4,586 |
| Noninterest expense to average assets | 2.7407% | 3,271 |
| Loan and lease loss provision to assets | 0.3186% | 482 |
| Net operating income to assets | 1.0354% | 2,139 |
| Return on assets (ROA) | 1.0354% | 2,259 |
| Pretax return on assets | 1.0354% | 3,336 |
| Return on Equity (ROE) | 7.1110% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.1110% | 1,839 |
| Net charge-offs to loans | 0.7287% | 291 |
| Credit loss provision to net charge-offs | 63.5514% | 1,957 |
| Earnings coverage of net charge-offs (x) | 2.7009% | 2,646 |
| Efficiency ratio | 66.9336% | 3,641 |
| Assets per employee ($millions) | 5.2039% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,377 |
| Loan loss allowance to noncurrent loans | 171.6714% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 3,900 |
| Noncurrent loans to loans | 0.6071% | 3,355 |
| Net loans and leases to total assets | 69.1027% | 2,478 |
| Net loans and leases to deposits | 86.5400% | 2,013 |
| Net loans and leases to core deposits | 87.8615% | 2,580 |
| Total domestic deposits to total assets | 79.8506% | 4,776 |
| Equity capital to assets | 15.1124% | 669 |
| Core capital (leverage) ratio | 13.9253% | 831 |
| Tier 1 risk-based capital ratio | 18.3297% | 1,903 |
| Total risk-based capital ratio | 19.2706% | 1,948 |
| Memoranda: | ||
| Average total assets | $85,378,500 | 4,742 |
| Average earning assets | $82,063,500 | 4,659 |
| Average equity | $12,431,500 | 4,254 |
| Average total loans | $58,733,500 | 4,422 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,222 |
| Cost of funding earning assets | 0.2360% | 4,937 |
| Net interest margin | 3.7870% | 2,418 |
| Noninterest income to average assets | 0.3379% | 4,492 |
| Noninterest expense to average assets | 2.7630% | 3,374 |
| Loan and lease loss provision to assets | 0.1546% | 1,516 |
| Net operating income to assets | 1.0218% | 2,250 |
| Return on assets (ROA) | 1.0218% | 2,328 |
| Pretax return on assets | 1.0229% | 3,369 |
| Return on Equity (ROE) | 7.2745% | 3,375 |
| Retained earnings to average equity (ytd only) | 3.6209% | 3,481 |
| Net charge-offs to loans | 0.1743% | 1,642 |
| Credit loss provision to net charge-offs | 137.7551% | 1,901 |
| Earnings coverage of net charge-offs (x) | 10.4898% | 2,679 |
| Efficiency ratio | 70.1163% | 3,201 |
| Assets per employee ($millions) | 5.4684% | 1,841 |
| Cash dividends to net income (ytd only)* | 50.2242% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 4,105 |
| Loan loss allowance to noncurrent loans | 221.2329% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,248 |
| Noncurrent loans to loans | 0.4922% | 3,724 |
| Net loans and leases to total assets | 67.0652% | 2,848 |
| Net loans and leases to deposits | 79.6487% | 2,864 |
| Net loans and leases to core deposits | 84.8303% | 2,902 |
| Total domestic deposits to total assets | 84.2012% | 3,400 |
| Equity capital to assets | 14.0352% | 919 |
| Core capital (leverage) ratio | 13.2423% | 1,063 |
| Tier 1 risk-based capital ratio | 17.4923% | 2,128 |
| Total risk-based capital ratio | 18.4677% | 2,169 |
| Memoranda: | ||
| Average total assets | $87,296,800 | 4,725 |
| Average earning assets | $83,047,600 | 4,656 |
| Average equity | $12,262,000 | 4,254 |
| Average total loans | $56,225,000 | 4,498 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,229 |
| Cost of funding earning assets | 0.2446% | 4,938 |
| Net interest margin | 3.7823% | 2,454 |
| Noninterest income to average assets | 0.3377% | 4,525 |
| Noninterest expense to average assets | 2.7828% | 3,260 |
| Loan and lease loss provision to assets | 0.1039% | 2,125 |
| Net operating income to assets | 1.0422% | 2,261 |
| Return on assets (ROA) | 1.0422% | 2,351 |
| Pretax return on assets | 1.0422% | 3,445 |
| Return on Equity (ROE) | 7.4184% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.5134% | 3,967 |
| Net charge-offs to loans | 0.0289% | 3,362 |
| Credit loss provision to net charge-offs | 566.6667% | 593 |
| Earnings coverage of net charge-offs (x) | 62.4988% | 892 |
| Efficiency ratio | 70.8285% | 3,075 |
| Assets per employee ($millions) | 5.2798% | 1,971 |
| Cash dividends to net income (ytd only)* | 52.6388% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,697 |
| Loan loss allowance to noncurrent loans | 214.5161% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 4,299 |
| Noncurrent loans to loans | 0.5560% | 3,664 |
| Net loans and leases to total assets | 65.2126% | 3,128 |
| Net loans and leases to deposits | 80.3199% | 2,849 |
| Net loans and leases to core deposits | 85.4398% | 2,910 |
| Total domestic deposits to total assets | 81.1911% | 4,424 |
| Equity capital to assets | 14.6207% | 833 |
| Core capital (leverage) ratio | 13.0739% | 1,179 |
| Tier 1 risk-based capital ratio | 18.0538% | 2,008 |
| Total risk-based capital ratio | 19.1011% | 2,040 |
| Memoranda: | ||
| Average total assets | $87,247,500 | 4,782 |
| Average earning assets | $82,840,250 | 4,716 |
| Average equity | $12,257,500 | 4,310 |
| Average total loans | $55,450,250 | 4,561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,399 |
| Cost of funding earning assets | 0.2517% | 4,920 |
| Net interest margin | 3.7211% | 2,621 |
| Noninterest income to average assets | 0.3176% | 4,682 |
| Noninterest expense to average assets | 2.7515% | 3,405 |
| Loan and lease loss provision to assets | 0.1021% | 2,133 |
| Net operating income to assets | 0.9844% | 2,480 |
| Return on assets (ROA) | 0.9844% | 2,587 |
| Pretax return on assets | 0.9844% | 3,648 |
| Return on Equity (ROE) | 7.0994% | 3,552 |
| Retained earnings to average equity (ytd only) | 4.4003% | 3,215 |
| Net charge-offs to loans | 0.0072% | 3,648 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 291 |
| Efficiency ratio | 71.6903% | 3,040 |
| Assets per employee ($millions) | 5.4501% | 1,787 |
| Cash dividends to net income (ytd only)* | 38.0184% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 4,031 |
| Loan loss allowance to noncurrent loans | 186.8195% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 4,024 |
| Noncurrent loans to loans | 0.6206% | 3,607 |
| Net loans and leases to total assets | 63.7462% | 3,296 |
| Net loans and leases to deposits | 78.2125% | 3,001 |
| Net loans and leases to core deposits | 85.5634% | 2,812 |
| Total domestic deposits to total assets | 81.5039% | 4,445 |
| Equity capital to assets | 14.0650% | 964 |
| Core capital (leverage) ratio | 12.5626% | 1,347 |
| Tier 1 risk-based capital ratio | 17.7122% | 2,152 |
| Total risk-based capital ratio | 18.7243% | 2,187 |
| Memoranda: | ||
| Average total assets | $88,171,330 | 4,812 |
| Average earning assets | $83,416,670 | 4,750 |
| Average equity | $12,226,330 | 4,338 |
| Average total loans | $55,349,000 | 4,603 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 3,524 |
| Cost of funding earning assets | 0.2500% | 5,024 |
| Net interest margin | 3.6684% | 2,739 |
| Noninterest income to average assets | 0.3113% | 4,700 |
| Noninterest expense to average assets | 2.7612% | 3,380 |
| Loan and lease loss provision to assets | 0.1038% | 1,971 |
| Net operating income to assets | 0.8888% | 2,797 |
| Return on assets (ROA) | 0.8888% | 2,923 |
| Pretax return on assets | 0.8888% | 3,929 |
| Return on Equity (ROE) | 6.4553% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.4395% | 2,813 |
| Net charge-offs to loans | 0.0146% | 2,876 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 456 |
| Efficiency ratio | 73.5577% | 2,891 |
| Assets per employee ($millions) | 5.4092% | 1,870 |
| Cash dividends to net income (ytd only)* | 15.7360% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 4,159 |
| Loan loss allowance to noncurrent loans | 228.2609% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 4,524 |
| Noncurrent loans to loans | 0.5116% | 4,045 |
| Net loans and leases to total assets | 57.9777% | 3,946 |
| Net loans and leases to deposits | 71.6586% | 3,565 |
| Net loans and leases to core deposits | 78.0609% | 3,372 |
| Total domestic deposits to total assets | 80.9083% | 4,847 |
| Equity capital to assets | 13.4129% | 1,212 |
| Core capital (leverage) ratio | 12.5100% | 1,360 |
| Tier 1 risk-based capital ratio | 17.9125% | 2,167 |
| Total risk-based capital ratio | 18.9105% | 2,212 |
| Memoranda: | ||
| Average total assets | $88,656,000 | 4,844 |
| Average earning assets | $83,197,500 | 4,793 |
| Average equity | $12,207,000 | 4,374 |
| Average total loans | $54,903,500 | 4,644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,485 |
| Cost of funding earning assets | 0.2902% | 4,890 |
| Net interest margin | 3.7694% | 2,734 |
| Noninterest income to average assets | 0.3462% | 4,629 |
| Noninterest expense to average assets | 2.5425% | 4,415 |
| Loan and lease loss provision to assets | 0.1349% | 1,941 |
| Net operating income to assets | 1.2746% | 1,359 |
| Return on assets (ROA) | 1.2746% | 1,410 |
| Pretax return on assets | 1.2746% | 2,329 |
| Return on Equity (ROE) | 9.4965% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.4350% | 2,303 |
| Net charge-offs to loans | 0.0437% | 3,951 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 896 |
| Efficiency ratio | 64.3345% | 4,546 |
| Assets per employee ($millions) | 5.0209% | 2,294 |
| Cash dividends to net income (ytd only)* | 42.7690% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 4,583 |
| Loan loss allowance to noncurrent loans | 192.7215% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 4,321 |
| Noncurrent loans to loans | 0.5657% | 3,975 |
| Net loans and leases to total assets | 64.7336% | 3,101 |
| Net loans and leases to deposits | 81.1926% | 2,582 |
| Net loans and leases to core deposits | 89.3340% | 2,349 |
| Total domestic deposits to total assets | 79.7284% | 5,088 |
| Equity capital to assets | 14.1525% | 910 |
| Core capital (leverage) ratio | 12.5212% | 1,347 |
| Tier 1 risk-based capital ratio | 17.3249% | 2,372 |
| Total risk-based capital ratio | 18.2719% | 2,457 |
| Memoranda: | ||
| Average total assets | $88,968,000 | 4,863 |
| Average earning assets | $85,106,000 | 4,756 |
| Average equity | $11,941,200 | 4,371 |
| Average total loans | $54,964,800 | 4,650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 3,679 |
| Cost of funding earning assets | 0.2871% | 5,023 |
| Net interest margin | 3.7343% | 2,877 |
| Noninterest income to average assets | 0.3338% | 4,768 |
| Noninterest expense to average assets | 2.4894% | 4,562 |
| Loan and lease loss provision to assets | 0.1335% | 1,875 |
| Net operating income to assets | 1.2803% | 1,430 |
| Return on assets (ROA) | 1.2803% | 1,483 |
| Pretax return on assets | 1.2803% | 2,455 |
| Return on Equity (ROE) | 9.6640% | 2,367 |
| Retained earnings to average equity (ytd only) | 5.9686% | 2,433 |
| Net charge-offs to loans | 0.0365% | 3,757 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 63.5315% | 829 |
| Efficiency ratio | 63.7780% | 4,585 |
| Assets per employee ($millions) | 5.4251% | 1,795 |
| Cash dividends to net income (ytd only)* | 38.2387% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 4,926 |
| Loan loss allowance to noncurrent loans | 158.6022% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 4,362 |
| Noncurrent loans to loans | 0.6709% | 3,930 |
| Net loans and leases to total assets | 63.2036% | 3,313 |
| Net loans and leases to deposits | 83.1431% | 2,269 |
| Net loans and leases to core deposits | 92.2314% | 2,015 |
| Total domestic deposits to total assets | 76.0178% | 5,812 |
| Equity capital to assets | 13.8833% | 1,047 |
| Core capital (leverage) ratio | 12.5736% | 1,366 |
| Tier 1 risk-based capital ratio | 17.1395% | 2,553 |
| Total risk-based capital ratio | 18.0567% | 2,631 |
| Memoranda: | ||
| Average total assets | $89,871,000 | 4,894 |
| Average earning assets | $85,903,750 | 4,790 |
| Average equity | $11,906,500 | 4,402 |
| Average total loans | $54,740,250 | 4,697 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,028 |
| Cost of funding earning assets | 0.2804% | 5,173 |
| Net interest margin | 3.6473% | 3,156 |
| Noninterest income to average assets | 0.3235% | 4,827 |
| Noninterest expense to average assets | 2.4204% | 4,824 |
| Loan and lease loss provision to assets | 0.1320% | 1,879 |
| Net operating income to assets | 1.2630% | 1,413 |
| Return on assets (ROA) | 1.2630% | 1,475 |
| Pretax return on assets | 1.2630% | 2,401 |
| Return on Equity (ROE) | 9.6810% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.4933% | 2,042 |
| Net charge-offs to loans | 0.0477% | 3,296 |
| Credit loss provision to net charge-offs | 461.5385% | 620 |
| Earnings coverage of net charge-offs (x) | 48.7692% | 925 |
| Efficiency ratio | 63.4371% | 4,783 |
| Assets per employee ($millions) | 5.9474% | 1,309 |
| Cash dividends to net income (ytd only)* | 32.9268% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,291 |
| Loan loss allowance to noncurrent loans | 147.6316% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 4,495 |
| Noncurrent loans to loans | 0.6865% | 3,999 |
| Net loans and leases to total assets | 61.4151% | 3,500 |
| Net loans and leases to deposits | 79.4377% | 2,590 |
| Net loans and leases to core deposits | 87.6989% | 2,342 |
| Total domestic deposits to total assets | 77.3122% | 5,756 |
| Equity capital to assets | 13.4288% | 1,185 |
| Core capital (leverage) ratio | 12.3780% | 1,459 |
| Tier 1 risk-based capital ratio | 16.8307% | 2,696 |
| Total risk-based capital ratio | 17.6987% | 2,813 |
| Memoranda: | ||
| Average total assets | $90,894,000 | 4,910 |
| Average earning assets | $87,024,000 | 4,799 |
| Average equity | $11,858,330 | 4,424 |
| Average total loans | $54,503,000 | 4,735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,144 |
| Cost of funding earning assets | 0.2866% | 5,203 |
| Net interest margin | 3.5985% | 3,251 |
| Noninterest income to average assets | 0.3270% | 4,754 |
| Noninterest expense to average assets | 2.4069% | 4,909 |
| Loan and lease loss provision to assets | 0.1308% | 1,855 |
| Net operating income to assets | 1.2383% | 1,376 |
| Return on assets (ROA) | 1.2383% | 1,433 |
| Pretax return on assets | 1.2383% | 2,319 |
| Return on Equity (ROE) | 9.6292% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.4935% | 1,105 |
| Net charge-offs to loans | 0.0962% | 2,208 |
| Credit loss provision to net charge-offs | 230.7692% | 943 |
| Earnings coverage of net charge-offs (x) | 24.1538% | 1,186 |
| Efficiency ratio | 63.7413% | 4,902 |
| Assets per employee ($millions) | 5.3218% | 1,890 |
| Cash dividends to net income (ytd only)* | 1.4085% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,492 |
| Loan loss allowance to noncurrent loans | 137.9221% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 4,589 |
| Noncurrent loans to loans | 0.7305% | 4,032 |
| Net loans and leases to total assets | 57.6666% | 3,905 |
| Net loans and leases to deposits | 71.8213% | 3,362 |
| Net loans and leases to core deposits | 78.9883% | 3,092 |
| Total domestic deposits to total assets | 80.2918% | 5,429 |
| Equity capital to assets | 13.1591% | 1,229 |
| Core capital (leverage) ratio | 11.9069% | 1,708 |
| Tier 1 risk-based capital ratio | 17.4453% | 2,490 |
| Total risk-based capital ratio | 18.3052% | 2,618 |
| Memoranda: | ||
| Average total assets | $91,735,500 | 4,919 |
| Average earning assets | $87,926,000 | 4,824 |
| Average equity | $11,797,500 | 4,448 |
| Average total loans | $54,079,500 | 4,790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,475 |
| Cost of funding earning assets | 0.3223% | 5,402 |
| Net interest margin | 3.5745% | 3,580 |
| Noninterest income to average assets | 0.3940% | 4,491 |
| Noninterest expense to average assets | 2.4648% | 4,877 |
| Loan and lease loss provision to assets | 0.1022% | 3,095 |
| Net operating income to assets | 1.2636% | 1,352 |
| Return on assets (ROA) | 1.2636% | 1,409 |
| Pretax return on assets | 1.2647% | 2,297 |
| Return on Equity (ROE) | 9.4461% | 2,348 |
| Retained earnings to average equity (ytd only) | 4.2690% | 3,138 |
| Net charge-offs to loans | -0.0162% | 6,100 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3259% | 4,841 |
| Assets per employee ($millions) | 5.4706% | 1,679 |
| Cash dividends to net income (ytd only)* | 54.8068% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 5,834 |
| Loan loss allowance to noncurrent loans | 108.2105% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 4,651 |
| Noncurrent loans to loans | 0.8565% | 3,838 |
| Net loans and leases to total assets | 59.0779% | 3,862 |
| Net loans and leases to deposits | 81.4707% | 2,254 |
| Net loans and leases to core deposits | 90.2955% | 1,987 |
| Total domestic deposits to total assets | 72.5143% | 6,385 |
| Equity capital to assets | 12.5698% | 1,479 |
| Core capital (leverage) ratio | 11.6000% | 1,888 |
| Tier 1 risk-based capital ratio | 16.2511% | 2,987 |
| Total risk-based capital ratio | 17.0471% | 3,155 |
| Memoranda: | ||
| Average total assets | $88,081,800 | 5,027 |
| Average earning assets | $84,711,600 | 4,917 |
| Average equity | $11,782,600 | 4,489 |
| Average total loans | $49,497,000 | 4,982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,580 |
| Cost of funding earning assets | 0.3276% | 5,487 |
| Net interest margin | 3.5519% | 3,648 |
| Noninterest income to average assets | 0.4068% | 4,482 |
| Noninterest expense to average assets | 2.4946% | 4,741 |
| Loan and lease loss provision to assets | 0.0691% | 3,679 |
| Net operating income to assets | 1.2542% | 1,473 |
| Return on assets (ROA) | 1.2542% | 1,541 |
| Pretax return on assets | 1.2557% | 2,494 |
| Return on Equity (ROE) | 9.2269% | 2,526 |
| Retained earnings to average equity (ytd only) | 4.6417% | 3,364 |
| Net charge-offs to loans | -0.0194% | 6,036 |
| Credit loss provision to net charge-offs | -642.8571% | 6,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3135% | 4,605 |
| Assets per employee ($millions) | 5.3141% | 1,833 |
| Cash dividends to net income (ytd only)* | 49.6938% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,006 |
| Loan loss allowance to noncurrent loans | 104.4643% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 4,895 |
| Noncurrent loans to loans | 0.8810% | 4,056 |
| Net loans and leases to total assets | 55.7733% | 4,352 |
| Net loans and leases to deposits | 71.1934% | 3,613 |
| Net loans and leases to core deposits | 77.3001% | 3,458 |
| Total domestic deposits to total assets | 78.3405% | 5,851 |
| Equity capital to assets | 12.8782% | 1,389 |
| Core capital (leverage) ratio | 11.6385% | 1,922 |
| Tier 1 risk-based capital ratio | 17.2565% | 2,604 |
| Total risk-based capital ratio | 18.0330% | 2,769 |
| Memoranda: | ||
| Average total assets | $86,852,000 | 5,101 |
| Average earning assets | $83,446,500 | 4,989 |
| Average equity | $11,805,750 | 4,536 |
| Average total loans | $48,007,000 | 5,074 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 4,692 |
| Cost of funding earning assets | 0.3348% | 5,528 |
| Net interest margin | 3.5053% | 3,758 |
| Noninterest income to average assets | 0.4318% | 4,297 |
| Noninterest expense to average assets | 2.5511% | 4,560 |
| Loan and lease loss provision to assets | 0.0700% | 3,634 |
| Net operating income to assets | 1.1810% | 1,640 |
| Return on assets (ROA) | 1.1810% | 1,747 |
| Pretax return on assets | 1.1833% | 2,749 |
| Return on Equity (ROE) | 8.5307% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,637 |
| Net charge-offs to loans | -0.0340% | 6,131 |
| Credit loss provision to net charge-offs | -375.0000% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0552% | 4,350 |
| Assets per employee ($millions) | 5.1730% | 1,908 |
| Cash dividends to net income (ytd only)* | 51.1858% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,020 |
| Loan loss allowance to noncurrent loans | 87.9845% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 4,726 |
| Noncurrent loans to loans | 1.0699% | 3,788 |
| Net loans and leases to total assets | 54.3251% | 4,540 |
| Net loans and leases to deposits | 71.7166% | 3,491 |
| Net loans and leases to core deposits | 77.1432% | 3,410 |
| Total domestic deposits to total assets | 75.7497% | 6,276 |
| Equity capital to assets | 13.1349% | 1,292 |
| Core capital (leverage) ratio | 12.1025% | 1,563 |
| Tier 1 risk-based capital ratio | 17.9710% | 2,322 |
| Total risk-based capital ratio | 18.7680% | 2,479 |
| Memoranda: | ||
| Average total assets | $85,689,670 | 5,167 |
| Average earning assets | $82,446,670 | 5,040 |
| Average equity | $11,863,000 | 4,561 |
| Average total loans | $47,058,330 | 5,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,665 |
| Cost of funding earning assets | 0.3491% | 5,540 |
| Net interest margin | 3.4962% | 3,718 |
| Noninterest income to average assets | 0.4872% | 3,868 |
| Noninterest expense to average assets | 2.6347% | 4,297 |
| Loan and lease loss provision to assets | 0.0710% | 3,449 |
| Net operating income to assets | 1.1447% | 1,699 |
| Return on assets (ROA) | 1.1447% | 1,810 |
| Pretax return on assets | 1.1447% | 2,791 |
| Return on Equity (ROE) | 8.0539% | 2,946 |
| Retained earnings to average equity (ytd only) | 4.6260% | 3,456 |
| Net charge-offs to loans | 0.0086% | 3,980 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 149 |
| Efficiency ratio | 68.4275% | 4,234 |
| Assets per employee ($millions) | 4.9678% | 2,258 |
| Cash dividends to net income (ytd only)* | 42.5620% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,021 |
| Loan loss allowance to noncurrent loans | 89.7704% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 4,627 |
| Noncurrent loans to loans | 1.1011% | 3,941 |
| Net loans and leases to total assets | 51.0011% | 4,839 |
| Net loans and leases to deposits | 59.7161% | 4,827 |
| Net loans and leases to core deposits | 65.9148% | 4,543 |
| Total domestic deposits to total assets | 85.4061% | 3,841 |
| Equity capital to assets | 14.2612% | 950 |
| Core capital (leverage) ratio | 12.0756% | 1,527 |
| Tier 1 risk-based capital ratio | 19.2531% | 1,965 |
| Total risk-based capital ratio | 20.0703% | 2,068 |
| Memoranda: | ||
| Average total assets | $84,564,000 | 5,247 |
| Average earning assets | $81,345,000 | 5,106 |
| Average equity | $12,019,000 | 4,572 |
| Average total loans | $46,473,500 | 5,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 4,522 |
| Cost of funding earning assets | 0.4571% | 5,524 |
| Net interest margin | 3.7599% | 3,394 |
| Noninterest income to average assets | 0.2240% | 5,836 |
| Noninterest expense to average assets | 2.6006% | 4,742 |
| Loan and lease loss provision to assets | 0.0952% | 4,475 |
| Net operating income to assets | 1.0937% | 1,959 |
| Return on assets (ROA) | 1.0937% | 2,142 |
| Pretax return on assets | 1.0949% | 3,175 |
| Return on Equity (ROE) | 7.8172% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.4066% | 2,442 |
| Net charge-offs to loans | 0.5952% | 1,948 |
| Credit loss provision to net charge-offs | 28.6232% | 5,139 |
| Earnings coverage of net charge-offs (x) | 3.5797% | 3,674 |
| Efficiency ratio | 68.6050% | 4,034 |
| Assets per employee ($millions) | 5.2922% | 1,912 |
| Cash dividends to net income (ytd only)* | 30.8370% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 6,409 |
| Loan loss allowance to noncurrent loans | 70.7483% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 4,409 |
| Noncurrent loans to loans | 1.1892% | 3,868 |
| Net loans and leases to total assets | 57.9026% | 3,996 |
| Net loans and leases to deposits | 69.7803% | 3,738 |
| Net loans and leases to core deposits | 79.8141% | 3,037 |
| Total domestic deposits to total assets | 82.9784% | 4,736 |
| Equity capital to assets | 14.1647% | 981 |
| Core capital (leverage) ratio | 12.1681% | 1,467 |
| Tier 1 risk-based capital ratio | 17.5967% | 2,417 |
| Total risk-based capital ratio | 18.3295% | 2,578 |
| Memoranda: | ||
| Average total assets | $83,018,400 | 5,273 |
| Average earning assets | $78,751,200 | 5,168 |
| Average equity | $11,615,400 | 4,647 |
| Average total loans | $46,373,400 | 5,231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 4,761 |
| Cost of funding earning assets | 0.4827% | 5,550 |
| Net interest margin | 3.7337% | 3,642 |
| Noninterest income to average assets | 0.2760% | 5,570 |
| Noninterest expense to average assets | 2.6455% | 4,587 |
| Loan and lease loss provision to assets | 0.0807% | 4,625 |
| Net operating income to assets | 1.0814% | 2,163 |
| Return on assets (ROA) | 1.0814% | 2,361 |
| Pretax return on assets | 1.0830% | 3,412 |
| Return on Equity (ROE) | 7.7539% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.5135% | 3,723 |
| Net charge-offs to loans | 0.8069% | 1,358 |
| Credit loss provision to net charge-offs | 18.1159% | 4,984 |
| Earnings coverage of net charge-offs (x) | 2.6123% | 3,993 |
| Efficiency ratio | 69.4492% | 3,797 |
| Assets per employee ($millions) | 4.6097% | 2,732 |
| Cash dividends to net income (ytd only)* | 41.7906% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,523 |
| Loan loss allowance to noncurrent loans | 73.6641% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 2,900 |
| Noncurrent loans to loans | 1.1457% | 4,143 |
| Net loans and leases to total assets | 54.6538% | 4,647 |
| Net loans and leases to deposits | 67.1161% | 4,321 |
| Net loans and leases to core deposits | 76.6885% | 3,646 |
| Total domestic deposits to total assets | 81.4318% | 5,220 |
| Equity capital to assets | 14.2959% | 1,039 |
| Core capital (leverage) ratio | 12.1635% | 1,553 |
| Tier 1 risk-based capital ratio | 17.8432% | 2,412 |
| Total risk-based capital ratio | 18.5494% | 2,568 |
| Memoranda: | ||
| Average total assets | $82,604,250 | 5,334 |
| Average earning assets | $78,169,000 | 5,240 |
| Average equity | $11,520,750 | 4,715 |
| Average total loans | $45,605,500 | 5,317 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 4,812 |
| Cost of funding earning assets | 0.5049% | 5,586 |
| Net interest margin | 3.7343% | 3,662 |
| Noninterest income to average assets | 0.3298% | 5,187 |
| Noninterest expense to average assets | 2.6915% | 4,462 |
| Loan and lease loss provision to assets | 0.0291% | 5,307 |
| Net operating income to assets | 1.1397% | 1,914 |
| Return on assets (ROA) | 1.1397% | 2,134 |
| Pretax return on assets | 1.1421% | 3,145 |
| Return on Equity (ROE) | 8.2406% | 3,149 |
| Retained earnings to average equity (ytd only) | 4.6463% | 3,514 |
| Net charge-offs to loans | 1.1764% | 920 |
| Credit loss provision to net charge-offs | 4.4776% | 4,791 |
| Earnings coverage of net charge-offs (x) | 1.8022% | 4,074 |
| Efficiency ratio | 69.6798% | 3,817 |
| Assets per employee ($millions) | 4.5162% | 2,875 |
| Cash dividends to net income (ytd only)* | 43.6170% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 6,653 |
| Loan loss allowance to noncurrent loans | 72.0648% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 2,750 |
| Noncurrent loans to loans | 1.1197% | 4,280 |
| Net loans and leases to total assets | 53.8338% | 4,830 |
| Net loans and leases to deposits | 63.0967% | 4,868 |
| Net loans and leases to core deposits | 71.8293% | 4,315 |
| Total domestic deposits to total assets | 85.3194% | 3,701 |
| Equity capital to assets | 14.3275% | 969 |
| Core capital (leverage) ratio | 12.1097% | 1,544 |
| Tier 1 risk-based capital ratio | 17.9117% | 2,322 |
| Total risk-based capital ratio | 18.5741% | 2,504 |
| Memoranda: | ||
| Average total assets | $82,480,670 | 5,371 |
| Average earning assets | $78,033,330 | 5,270 |
| Average equity | $11,407,000 | 4,733 |
| Average total loans | $45,562,330 | 5,357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 4,881 |
| Cost of funding earning assets | 0.5188% | 5,691 |
| Net interest margin | 3.7436% | 3,620 |
| Noninterest income to average assets | 0.3996% | 4,675 |
| Noninterest expense to average assets | 2.6530% | 4,608 |
| Loan and lease loss provision to assets | 0.0289% | 5,003 |
| Net operating income to assets | 1.2615% | 1,566 |
| Return on assets (ROA) | 1.2615% | 1,738 |
| Pretax return on assets | 1.2615% | 2,688 |
| Return on Equity (ROE) | 9.2850% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.0046% | 4,184 |
| Net charge-offs to loans | 0.2679% | 2,595 |
| Credit loss provision to net charge-offs | 19.3548% | 3,789 |
| Earnings coverage of net charge-offs (x) | 8.6452% | 1,934 |
| Efficiency ratio | 67.2772% | 4,304 |
| Assets per employee ($millions) | 4.3083% | 3,380 |
| Cash dividends to net income (ytd only)* | 56.8702% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,874 |
| Loan loss allowance to noncurrent loans | 105.3763% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 2.1818% | 2,707 |
| Noncurrent loans to loans | 1.2638% | 4,220 |
| Net loans and leases to total assets | 53.2190% | 4,850 |
| Net loans and leases to deposits | 61.9969% | 4,919 |
| Net loans and leases to core deposits | 71.0669% | 4,284 |
| Total domestic deposits to total assets | 85.8413% | 3,620 |
| Equity capital to assets | 13.7885% | 1,095 |
| Core capital (leverage) ratio | 11.9158% | 1,638 |
| Tier 1 risk-based capital ratio | 17.5505% | 2,459 |
| Total risk-based capital ratio | 18.6397% | 2,488 |
| Memoranda: | ||
| Average total assets | $83,075,500 | 5,386 |
| Average earning assets | $78,641,500 | 5,279 |
| Average equity | $11,287,000 | 4,770 |
| Average total loans | $46,284,500 | 5,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 4,501 |
| Cost of funding earning assets | 0.6967% | 5,563 |
| Net interest margin | 3.9438% | 3,141 |
| Noninterest income to average assets | 0.1647% | 6,315 |
| Noninterest expense to average assets | 2.7609% | 4,505 |
| Loan and lease loss provision to assets | 0.1437% | 4,815 |
| Net operating income to assets | 0.9810% | 2,278 |
| Return on assets (ROA) | 0.9810% | 2,414 |
| Pretax return on assets | 0.9835% | 3,303 |
| Return on Equity (ROE) | 7.4252% | 3,187 |
| Retained earnings to average equity (ytd only) | 2.1657% | 4,675 |
| Net charge-offs to loans | 0.4123% | 3,360 |
| Credit loss provision to net charge-offs | 59.4872% | 5,182 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,022 |
| Efficiency ratio | 71.0099% | 3,781 |
| Assets per employee ($millions) | 4.4365% | 3,013 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,090 |
| Loan loss allowance to noncurrent loans | 118.1118% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 2.1081% | 2,841 |
| Noncurrent loans to loans | 1.0719% | 4,564 |
| Net loans and leases to total assets | 56.7117% | 4,593 |
| Net loans and leases to deposits | 69.3767% | 4,224 |
| Net loans and leases to core deposits | 79.8077% | 3,467 |
| Total domestic deposits to total assets | 81.7446% | 5,214 |
| Equity capital to assets | 13.3902% | 1,326 |
| Core capital (leverage) ratio | 11.7384% | 1,745 |
| Tier 1 risk-based capital ratio | 16.2653% | 2,924 |
| Total risk-based capital ratio | 17.3303% | 2,961 |
| Memoranda: | ||
| Average total assets | $80,735,800 | 5,439 |
| Average earning assets | $76,221,800 | 5,336 |
| Average equity | $10,666,400 | 4,871 |
| Average total loans | $47,294,200 | 5,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 4,385 |
| Cost of funding earning assets | 0.7307% | 5,590 |
| Net interest margin | 3.9843% | 2,981 |
| Noninterest income to average assets | 0.1052% | 6,725 |
| Noninterest expense to average assets | 2.8437% | 4,175 |
| Loan and lease loss provision to assets | 0.1937% | 4,083 |
| Net operating income to assets | 0.8266% | 3,038 |
| Return on assets (ROA) | 0.8266% | 3,200 |
| Pretax return on assets | 0.8282% | 4,025 |
| Return on Equity (ROE) | 6.2788% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.3212% | 4,958 |
| Net charge-offs to loans | 0.6211% | 2,390 |
| Credit loss provision to net charge-offs | 52.9680% | 4,971 |
| Earnings coverage of net charge-offs (x) | 2.7945% | 3,736 |
| Efficiency ratio | 73.5637% | 3,267 |
| Assets per employee ($millions) | 4.1651% | 3,511 |
| Cash dividends to net income (ytd only)* | 63.0307% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 5,017 |
| Loan loss allowance to noncurrent loans | 133.1828% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 2,906 |
| Noncurrent loans to loans | 0.9759% | 4,937 |
| Net loans and leases to total assets | 56.6165% | 4,741 |
| Net loans and leases to deposits | 66.3812% | 4,847 |
| Net loans and leases to core deposits | 77.8482% | 3,930 |
| Total domestic deposits to total assets | 85.2899% | 3,623 |
| Equity capital to assets | 14.3411% | 1,043 |
| Core capital (leverage) ratio | 11.9682% | 1,725 |
| Tier 1 risk-based capital ratio | 17.1855% | 2,574 |
| Total risk-based capital ratio | 18.2741% | 2,597 |
| Memoranda: | ||
| Average total assets | $79,846,500 | 5,510 |
| Average earning assets | $75,360,000 | 5,405 |
| Average equity | $10,511,250 | 4,919 |
| Average total loans | $47,013,500 | 5,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 4,304 |
| Cost of funding earning assets | 0.7410% | 5,728 |
| Net interest margin | 4.0091% | 2,793 |
| Noninterest income to average assets | -0.0599% | 7,261 |
| Noninterest expense to average assets | 2.9095% | 3,987 |
| Loan and lease loss provision to assets | 0.2897% | 3,071 |
| Net operating income to assets | 0.5220% | 4,406 |
| Return on assets (ROA) | 0.5220% | 4,549 |
| Pretax return on assets | 0.5245% | 4,984 |
| Return on Equity (ROE) | 4.0852% | 4,894 |
| Retained earnings to average equity (ytd only) | -1.0360% | 6,058 |
| Net charge-offs to loans | 1.0220% | 1,544 |
| Credit loss provision to net charge-offs | 47.7366% | 4,642 |
| Earnings coverage of net charge-offs (x) | 1.3416% | 4,283 |
| Efficiency ratio | 78.1355% | 2,688 |
| Assets per employee ($millions) | 4.4480% | 2,933 |
| Cash dividends to net income (ytd only)* | 125.3589% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 5,463 |
| Loan loss allowance to noncurrent loans | 104.6125% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 2,900 |
| Noncurrent loans to loans | 1.1664% | 4,705 |
| Net loans and leases to total assets | 57.3304% | 4,755 |
| Net loans and leases to deposits | 66.7108% | 4,897 |
| Net loans and leases to core deposits | 75.6581% | 4,362 |
| Total domestic deposits to total assets | 85.9387% | 3,362 |
| Equity capital to assets | 13.2207% | 1,423 |
| Core capital (leverage) ratio | 11.4057% | 1,972 |
| Tier 1 risk-based capital ratio | 16.2543% | 2,856 |
| Total risk-based capital ratio | 17.2695% | 2,932 |
| Memoranda: | ||
| Average total assets | $80,083,330 | 5,545 |
| Average earning assets | $75,577,330 | 5,449 |
| Average equity | $10,232,000 | 4,988 |
| Average total loans | $47,553,330 | 5,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 4,435 |
| Cost of funding earning assets | 0.7362% | 5,942 |
| Net interest margin | 3.9828% | 2,757 |
| Noninterest income to average assets | 0.5094% | 3,805 |
| Noninterest expense to average assets | 2.9116% | 4,015 |
| Loan and lease loss provision to assets | 0.4295% | 2,042 |
| Net operating income to assets | 0.9189% | 2,480 |
| Return on assets (ROA) | 0.9189% | 2,535 |
| Pretax return on assets | 0.9239% | 3,415 |
| Return on Equity (ROE) | 7.3194% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.3194% | 2,017 |
| Net charge-offs to loans | 1.9877% | 641 |
| Credit loss provision to net charge-offs | 35.9833% | 4,023 |
| Earnings coverage of net charge-offs (x) | 1.1339% | 3,815 |
| Efficiency ratio | 68.2670% | 4,606 |
| Assets per employee ($millions) | 4.0124% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,776 |
| Loan loss allowance to noncurrent loans | 66.4207% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.9259% | 2,362 |
| Noncurrent loans to loans | 1.7591% | 3,876 |
| Net loans and leases to total assets | 56.9210% | 4,815 |
| Net loans and leases to deposits | 65.8184% | 4,999 |
| Net loans and leases to core deposits | 75.7801% | 4,326 |
| Total domestic deposits to total assets | 86.4819% | 3,246 |
| Equity capital to assets | 12.6732% | 1,537 |
| Core capital (leverage) ratio | 11.8578% | 1,644 |
| Tier 1 risk-based capital ratio | 16.7620% | 2,565 |
| Total risk-based capital ratio | 17.7338% | 2,644 |
| Memoranda: | ||
| Average total assets | $80,093,000 | 5,589 |
| Average earning assets | $75,524,000 | 5,492 |
| Average equity | $10,055,500 | 5,036 |
| Average total loans | $48,096,000 | 5,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 4,268 |
| Cost of funding earning assets | 0.9093% | 6,135 |
| Net interest margin | 4.1537% | 2,353 |
| Noninterest income to average assets | 0.4118% | 4,810 |
| Noninterest expense to average assets | 2.8106% | 4,562 |
| Loan and lease loss provision to assets | 0.5606% | 2,883 |
| Net operating income to assets | 0.9711% | 2,129 |
| Return on assets (ROA) | 1.1738% | 1,554 |
| Pretax return on assets | 1.1750% | 2,313 |
| Return on Equity (ROE) | 8.0096% | 2,695 |
| Retained earnings to average equity (ytd only) | -12.9642% | 6,794 |
| Net charge-offs to loans | 0.6983% | 2,913 |
| Credit loss provision to net charge-offs | 127.0349% | 3,183 |
| Earnings coverage of net charge-offs (x) | 3.4738% | 3,340 |
| Efficiency ratio | 64.7076% | 5,221 |
| Assets per employee ($millions) | 3.9969% | 3,793 |
| Cash dividends to net income (ytd only)* | 261.8579% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 4,579 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 3.4139% | 2,047 |
| Noncurrent loans to loans | 2.3112% | 3,209 |
| Net loans and leases to total assets | 61.6490% | 4,362 |
| Net loans and leases to deposits | 73.7188% | 4,241 |
| Net loans and leases to core deposits | 85.3691% | 3,420 |
| Total domestic deposits to total assets | 83.6273% | 4,540 |
| Equity capital to assets | 12.4359% | 1,677 |
| Core capital (leverage) ratio | 11.7611% | 1,700 |
| Tier 1 risk-based capital ratio | 15.7095% | 2,890 |
| Total risk-based capital ratio | 16.9018% | 2,883 |
| Memoranda: | ||
| Average total assets | $77,954,200 | 5,647 |
| Average earning assets | $73,789,800 | 5,545 |
| Average equity | $11,423,800 | 4,757 |
| Average total loans | $49,262,400 | 5,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 4,269 |
| Cost of funding earning assets | 0.9442% | 6,205 |
| Net interest margin | 4.1653% | 2,348 |
| Noninterest income to average assets | 0.4510% | 4,555 |
| Noninterest expense to average assets | 2.8023% | 4,481 |
| Loan and lease loss provision to assets | 0.6076% | 2,504 |
| Net operating income to assets | 0.9880% | 2,282 |
| Return on assets (ROA) | 1.2600% | 1,522 |
| Pretax return on assets | 1.2617% | 2,295 |
| Return on Equity (ROE) | 8.2749% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.6461% | 3,231 |
| Net charge-offs to loans | 0.9398% | 2,114 |
| Credit loss provision to net charge-offs | 102.0231% | 4,221 |
| Earnings coverage of net charge-offs (x) | 2.6821% | 3,807 |
| Efficiency ratio | 63.6933% | 5,299 |
| Assets per employee ($millions) | 3.8798% | 4,078 |
| Cash dividends to net income (ytd only)* | 43.8523% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,121 |
| Loan loss allowance to noncurrent loans | 59.7250% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 3.3984% | 2,094 |
| Noncurrent loans to loans | 2.1239% | 3,547 |
| Net loans and leases to total assets | 60.9864% | 4,720 |
| Net loans and leases to deposits | 73.2758% | 4,641 |
| Net loans and leases to core deposits | 85.7161% | 3,699 |
| Total domestic deposits to total assets | 83.2285% | 4,491 |
| Equity capital to assets | 16.1155% | 653 |
| Core capital (leverage) ratio | 14.2453% | 873 |
| Tier 1 risk-based capital ratio | 19.7665% | 1,591 |
| Total risk-based capital ratio | 20.8568% | 1,597 |
| Memoranda: | ||
| Average total assets | $77,458,250 | 5,735 |
| Average earning assets | $73,429,750 | 5,621 |
| Average equity | $11,794,500 | 4,740 |
| Average total loans | $49,084,500 | 5,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 4,347 |
| Cost of funding earning assets | 0.9674% | 6,300 |
| Net interest margin | 4.1523% | 2,328 |
| Noninterest income to average assets | 0.4315% | 4,668 |
| Noninterest expense to average assets | 2.8006% | 4,476 |
| Loan and lease loss provision to assets | 0.2325% | 4,591 |
| Net operating income to assets | 1.3435% | 1,204 |
| Return on assets (ROA) | 1.3435% | 1,273 |
| Pretax return on assets | 1.3460% | 1,960 |
| Return on Equity (ROE) | 8.9984% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.6586% | 2,521 |
| Net charge-offs to loans | 0.1375% | 4,845 |
| Credit loss provision to net charge-offs | 264.7059% | 1,431 |
| Earnings coverage of net charge-offs (x) | 17.9706% | 1,311 |
| Efficiency ratio | 63.9528% | 5,342 |
| Assets per employee ($millions) | 3.8556% | 4,083 |
| Cash dividends to net income (ytd only)* | 37.1154% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,705 |
| Loan loss allowance to noncurrent loans | 37.6073% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 3.2213% | 2,193 |
| Noncurrent loans to loans | 3.5767% | 2,204 |
| Net loans and leases to total assets | 62.4896% | 4,584 |
| Net loans and leases to deposits | 75.0646% | 4,506 |
| Net loans and leases to core deposits | 85.2535% | 3,946 |
| Total domestic deposits to total assets | 83.2477% | 4,467 |
| Equity capital to assets | 15.5773% | 754 |
| Core capital (leverage) ratio | 14.1132% | 903 |
| Tier 1 risk-based capital ratio | 19.3576% | 1,639 |
| Total risk-based capital ratio | 20.5203% | 1,623 |
| Memoranda: | ||
| Average total assets | $77,412,330 | 5,769 |
| Average earning assets | $73,598,330 | 5,656 |
| Average equity | $11,557,670 | 4,791 |
| Average total loans | $49,469,000 | 5,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 4,552 |
| Cost of funding earning assets | 0.9994% | 6,379 |
| Net interest margin | 4.0953% | 2,462 |
| Noninterest income to average assets | 0.5209% | 3,887 |
| Noninterest expense to average assets | 2.7900% | 4,518 |
| Loan and lease loss provision to assets | 0.2321% | 4,185 |
| Net operating income to assets | 1.3821% | 1,118 |
| Return on assets (ROA) | 1.3821% | 1,195 |
| Pretax return on assets | 1.3873% | 1,812 |
| Return on Equity (ROE) | 9.4612% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.8488% | 2,193 |
| Net charge-offs to loans | 0.1848% | 3,811 |
| Credit loss provision to net charge-offs | 195.6522% | 1,895 |
| Earnings coverage of net charge-offs (x) | 13.6522% | 1,484 |
| Efficiency ratio | 63.2749% | 5,617 |
| Assets per employee ($millions) | 3.8912% | 4,119 |
| Cash dividends to net income (ytd only)* | 27.6119% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 5,078 |
| Loan loss allowance to noncurrent loans | 46.5620% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.7139% | 2,682 |
| Noncurrent loans to loans | 2.7330% | 2,917 |
| Net loans and leases to total assets | 62.1076% | 4,733 |
| Net loans and leases to deposits | 74.0354% | 4,731 |
| Net loans and leases to core deposits | 82.2217% | 4,454 |
| Total domestic deposits to total assets | 83.8891% | 4,196 |
| Equity capital to assets | 14.5407% | 988 |
| Core capital (leverage) ratio | 14.0874% | 939 |
| Tier 1 risk-based capital ratio | 18.8127% | 1,764 |
| Total risk-based capital ratio | 19.8973% | 1,765 |
| Memoranda: | ||
| Average total assets | $77,562,500 | 5,834 |
| Average earning assets | $73,645,500 | 5,718 |
| Average equity | $11,330,500 | 4,892 |
| Average total loans | $49,781,500 | 5,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 4,045 |
| Cost of funding earning assets | 1.3919% | 5,964 |
| Net interest margin | 4.1266% | 2,342 |
| Noninterest income to average assets | 0.4241% | 5,012 |
| Noninterest expense to average assets | 2.9886% | 4,192 |
| Loan and lease loss provision to assets | 0.1120% | 6,523 |
| Net operating income to assets | 1.2282% | 1,180 |
| Return on assets (ROA) | 1.2282% | 1,233 |
| Pretax return on assets | 1.2376% | 1,854 |
| Return on Equity (ROE) | 8.4358% | 2,222 |
| Retained earnings to average equity (ytd only) | 6.6497% | 1,094 |
| Net charge-offs to loans | 0.0360% | 6,765 |
| Credit loss provision to net charge-offs | 466.6667% | 663 |
| Earnings coverage of net charge-offs (x) | 56.2222% | 471 |
| Efficiency ratio | 68.8903% | 4,848 |
| Assets per employee ($millions) | 3.8651% | 4,107 |
| Cash dividends to net income (ytd only)* | 21.1726% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,431 |
| Loan loss allowance to noncurrent loans | 760.7595% | 450 |
| Noncurrent assets plus other real estate owned to assets | 1.1035% | 4,884 |
| Noncurrent loans to loans | 0.1561% | 7,035 |
| Net loans and leases to total assets | 64.6878% | 4,447 |
| Net loans and leases to deposits | 78.5045% | 4,274 |
| Net loans and leases to core deposits | 94.7208% | 4,600 |
| Total domestic deposits to total assets | 82.4002% | 4,772 |
| Equity capital to assets | 14.6762% | 983 |
| Core capital (leverage) ratio | 14.0028% | 980 |
| Tier 1 risk-based capital ratio | 18.1154% | 1,857 |
| Total risk-based capital ratio | 19.1413% | 1,882 |
| Memoranda: | ||
| Average total assets | $74,985,000 | 5,872 |
| Average earning assets | $71,124,200 | 5,777 |
| Average equity | $10,917,800 | 5,045 |
| Average total loans | $50,063,000 | 5,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 4,240 |
| Cost of funding earning assets | 1.4793% | 5,917 |
| Net interest margin | 4.0563% | 2,565 |
| Noninterest income to average assets | 0.3889% | 5,396 |
| Noninterest expense to average assets | 3.0176% | 3,975 |
| Loan and lease loss provision to assets | 0.1129% | 6,239 |
| Net operating income to assets | 1.0949% | 1,747 |
| Return on assets (ROA) | 1.0949% | 1,806 |
| Pretax return on assets | 1.1056% | 2,543 |
| Return on Equity (ROE) | 7.5354% | 2,851 |
| Retained earnings to average equity (ytd only) | 6.7091% | 1,628 |
| Net charge-offs to loans | 0.0454% | 6,272 |
| Credit loss provision to net charge-offs | 370.5882% | 1,092 |
| Earnings coverage of net charge-offs (x) | 39.9929% | 750 |
| Efficiency ratio | 71.2352% | 4,381 |
| Assets per employee ($millions) | 3.6222% | 4,629 |
| Cash dividends to net income (ytd only)* | 10.9654% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,326 |
| Loan loss allowance to noncurrent loans | 717.2840% | 480 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,813 |
| Noncurrent loans to loans | 0.1623% | 7,077 |
| Net loans and leases to total assets | 64.8463% | 4,685 |
| Net loans and leases to deposits | 78.8976% | 4,579 |
| Net loans and leases to core deposits | 95.6820% | 4,842 |
| Total domestic deposits to total assets | 82.1905% | 4,593 |
| Equity capital to assets | 14.6859% | 1,096 |
| Core capital (leverage) ratio | 13.8979% | 1,116 |
| Tier 1 risk-based capital ratio | 17.9085% | 2,015 |
| Total risk-based capital ratio | 18.9062% | 2,034 |
| Memoranda: | ||
| Average total assets | $74,405,750 | 5,923 |
| Average earning assets | $70,571,250 | 5,827 |
| Average equity | $10,811,000 | 5,109 |
| Average total loans | $49,927,250 | 5,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 4,186 |
| Cost of funding earning assets | 1.5829% | 5,801 |
| Net interest margin | 3.9930% | 2,726 |
| Noninterest income to average assets | 0.3250% | 5,914 |
| Noninterest expense to average assets | 3.1143% | 3,646 |
| Loan and lease loss provision to assets | 0.1137% | 6,008 |
| Net operating income to assets | 0.8585% | 2,618 |
| Return on assets (ROA) | 0.8585% | 2,719 |
| Pretax return on assets | 0.8747% | 3,425 |
| Return on Equity (ROE) | 5.9302% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.1819% | 2,406 |
| Net charge-offs to loans | 0.0641% | 5,604 |
| Credit loss provision to net charge-offs | 262.5000% | 1,779 |
| Earnings coverage of net charge-offs (x) | 22.8125% | 1,206 |
| Efficiency ratio | 75.9076% | 3,710 |
| Assets per employee ($millions) | 3.5183% | 4,772 |
| Cash dividends to net income (ytd only)* | 12.6183% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,289 |
| Loan loss allowance to noncurrent loans | 304.3478% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 1.3481% | 4,260 |
| Noncurrent loans to loans | 0.3767% | 6,572 |
| Net loans and leases to total assets | 65.3579% | 4,691 |
| Net loans and leases to deposits | 77.1525% | 5,007 |
| Net loans and leases to core deposits | 92.7493% | 5,269 |
| Total domestic deposits to total assets | 84.7125% | 3,394 |
| Equity capital to assets | 14.5119% | 1,162 |
| Core capital (leverage) ratio | 13.8080% | 1,190 |
| Tier 1 risk-based capital ratio | 17.6586% | 2,099 |
| Total risk-based capital ratio | 18.6317% | 2,130 |
| Memoranda: | ||
| Average total assets | $73,852,330 | 5,982 |
| Average earning assets | $69,872,670 | 5,892 |
| Average equity | $10,691,000 | 5,165 |
| Average total loans | $49,934,000 | 5,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 4,440 |
| Cost of funding earning assets | 1.6864% | 5,654 |
| Net interest margin | 3.9006% | 3,033 |
| Noninterest income to average assets | 0.1192% | 7,427 |
| Noninterest expense to average assets | 3.0771% | 3,464 |
| Loan and lease loss provision to assets | 0.1138% | 5,510 |
| Net operating income to assets | 0.5797% | 4,109 |
| Return on assets (ROA) | 0.5797% | 4,304 |
| Pretax return on assets | 0.6122% | 4,720 |
| Return on Equity (ROE) | 4.0092% | 4,931 |
| Retained earnings to average equity (ytd only) | 2.5104% | 4,480 |
| Net charge-offs to loans | 0.0713% | 4,478 |
| Credit loss provision to net charge-offs | 233.3333% | 1,969 |
| Earnings coverage of net charge-offs (x) | 14.8889% | 1,639 |
| Efficiency ratio | 80.9117% | 2,686 |
| Assets per employee ($millions) | 3.5553% | 4,683 |
| Cash dividends to net income (ytd only)* | 37.3832% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 5,408 |
| Loan loss allowance to noncurrent loans | 792.7536% | 478 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 4,145 |
| Noncurrent loans to loans | 0.1398% | 7,122 |
| Net loans and leases to total assets | 65.3621% | 4,733 |
| Net loans and leases to deposits | 77.7987% | 4,958 |
| Net loans and leases to core deposits | 94.5260% | 5,111 |
| Total domestic deposits to total assets | 84.0144% | 3,695 |
| Equity capital to assets | 14.3181% | 1,277 |
| Core capital (leverage) ratio | 13.6088% | 1,290 |
| Tier 1 risk-based capital ratio | 17.3798% | 2,220 |
| Total risk-based capital ratio | 18.3350% | 2,248 |
| Memoranda: | ||
| Average total assets | $73,836,500 | 6,005 |
| Average earning assets | $69,733,000 | 5,921 |
| Average equity | $10,675,500 | 5,192 |
| Average total loans | $50,476,500 | 5,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1802% | 4,617 |
| Cost of funding earning assets | 2.1449% | 5,856 |
| Net interest margin | 4.0353% | 2,958 |
| Noninterest income to average assets | 0.6323% | 3,614 |
| Noninterest expense to average assets | 3.3902% | 2,709 |
| Loan and lease loss provision to assets | 0.2710% | 4,225 |
| Net operating income to assets | 0.7749% | 3,550 |
| Return on assets (ROA) | 0.7975% | 3,286 |
| Pretax return on assets | 0.7989% | 4,077 |
| Return on Equity (ROE) | 5.5187% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.8424% | 3,404 |
| Net charge-offs to loans | 0.4918% | 2,393 |
| Credit loss provision to net charge-offs | 78.3673% | 5,933 |
| Earnings coverage of net charge-offs (x) | 3.0286% | 4,569 |
| Efficiency ratio | 76.3995% | 3,167 |
| Assets per employee ($millions) | 3.3187% | 5,164 |
| Cash dividends to net income (ytd only)* | 48.4956% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,737 |
| Loan loss allowance to noncurrent loans | 376.7606% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9709% | 2,496 |
| Noncurrent loans to loans | 0.2752% | 6,546 |
| Net loans and leases to total assets | 69.9488% | 4,030 |
| Net loans and leases to deposits | 82.8725% | 4,595 |
| Net loans and leases to core deposits | 99.3136% | 4,891 |
| Total domestic deposits to total assets | 84.4053% | 3,126 |
| Equity capital to assets | 14.6017% | 1,276 |
| Core capital (leverage) ratio | 13.2901% | 1,443 |
| Tier 1 risk-based capital ratio | 16.7881% | 2,390 |
| Total risk-based capital ratio | 17.6966% | 2,440 |
| Memoranda: | ||
| Average total assets | $70,850,400 | 6,005 |
| Average earning assets | $66,810,600 | 5,939 |
| Average equity | $10,238,000 | 5,333 |
| Average total loans | $49,817,400 | 5,714 |