Home > Merchants Bank > Performance and Condition Ratios
Merchants 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 | 5.1631% | 1,734 |
| Cost of funding earning assets | 1.2740% | 2,588 |
| Net interest margin | 3.8892% | 1,397 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.2043% | 3,118 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1439% | 1,798 |
| Return on assets (ROA) | 1.1072% | 1,874 |
| Pretax return on assets | 1.4738% | 1,483 |
| Return on Equity (ROE) | 14.6300% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.3184% | 1,455 |
| Net charge-offs to loans | 0.0057% | 2,493 |
| Credit loss provision to net charge-offs | 2,777.7778% | 176 |
| Earnings coverage of net charge-offs (x) | 424.5556% | 335 |
| Efficiency ratio | 55.6173% | 3,534 |
| Assets per employee ($millions) | 7.0909% | 2,021 |
| Cash dividends to net income (ytd only)* | 43.1373% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,637 |
| Loan loss allowance to noncurrent loans | 91.5104% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8658% | 587 |
| Noncurrent loans to loans | 1.2384% | 572 |
| Net loans and leases to total assets | 69.1200% | 1,906 |
| Net loans and leases to deposits | 76.8250% | 2,370 |
| Net loans and leases to core deposits | 90.7199% | 1,999 |
| Total domestic deposits to total assets | 89.9700% | 763 |
| Equity capital to assets | 8.2401% | 3,250 |
| Core capital (leverage) ratio | 9.2073% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3631% | 2,749 |
| Memoranda: | ||
| Average total assets | $234,908,800 | 2,766 |
| Average earning assets | $225,754,000 | 2,713 |
| Average equity | $17,779,800 | 3,029 |
| Average total loans | $159,079,400 | 2,607 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 1,695 |
| Cost of funding earning assets | 1.1508% | 2,588 |
| Net interest margin | 3.9174% | 1,365 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.0254% | 3,530 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.2966% | 1,557 |
| Return on assets (ROA) | 1.2469% | 1,650 |
| Pretax return on assets | 1.6676% | 1,225 |
| Return on Equity (ROE) | 16.8500% | 1,104 |
| Retained earnings to average equity (ytd only) | 10.1658% | 1,358 |
| Net charge-offs to loans | 0.0110% | 1,993 |
| Credit loss provision to net charge-offs | 1,538.4615% | 301 |
| Earnings coverage of net charge-offs (x) | 250.1538% | 514 |
| Efficiency ratio | 50.3957% | 3,884 |
| Assets per employee ($millions) | 6.7079% | 2,177 |
| Cash dividends to net income (ytd only)* | 39.6544% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 2,926 |
| Loan loss allowance to noncurrent loans | 72.0576% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 472 |
| Noncurrent loans to loans | 1.5079% | 479 |
| Net loans and leases to total assets | 69.7900% | 1,855 |
| Net loans and leases to deposits | 83.4281% | 1,788 |
| Net loans and leases to core deposits | 99.4447% | 1,349 |
| Total domestic deposits to total assets | 83.6600% | 2,867 |
| Equity capital to assets | 7.7082% | 3,239 |
| Core capital (leverage) ratio | 9.3826% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2101% | 2,783 |
| Memoranda: | ||
| Average total assets | $235,135,750 | 2,776 |
| Average earning assets | $226,503,000 | 2,710 |
| Average equity | $17,404,250 | 3,051 |
| Average total loans | $157,951,000 | 2,622 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 1,793 |
| Cost of funding earning assets | 0.9774% | 2,681 |
| Net interest margin | 3.9096% | 1,410 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0480% | 3,466 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2539% | 1,687 |
| Return on assets (ROA) | 1.2251% | 1,755 |
| Pretax return on assets | 1.6518% | 1,318 |
| Return on Equity (ROE) | 16.7800% | 1,138 |
| Retained earnings to average equity (ytd only) | 10.9821% | 1,186 |
| Net charge-offs to loans | 0.0180% | 1,550 |
| Credit loss provision to net charge-offs | 1,071.4286% | 392 |
| Earnings coverage of net charge-offs (x) | 152.5714% | 744 |
| Efficiency ratio | 51.0231% | 3,850 |
| Assets per employee ($millions) | 6.9455% | 1,968 |
| Cash dividends to net income (ytd only)* | 34.5593% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,021 |
| Loan loss allowance to noncurrent loans | 3,015.5172% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,546 |
| Noncurrent loans to loans | 0.0360% | 3,478 |
| Net loans and leases to total assets | 67.4900% | 2,011 |
| Net loans and leases to deposits | 78.1317% | 2,122 |
| Net loans and leases to core deposits | 90.1441% | 1,787 |
| Total domestic deposits to total assets | 86.3800% | 2,122 |
| Equity capital to assets | 7.5173% | 3,508 |
| Core capital (leverage) ratio | 8.9768% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0621% | 2,838 |
| Memoranda: | ||
| Average total assets | $235,255,333 | 2,783 |
| Average earning assets | $226,928,667 | 2,719 |
| Average equity | $17,173,333 | 3,091 |
| Average total loans | $155,382,333 | 2,633 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 2,314 |
| Cost of funding earning assets | 0.8563% | 2,521 |
| Net interest margin | 3.6441% | 2,025 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.4309% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8364% | 3,064 |
| Return on assets (ROA) | 0.8364% | 3,022 |
| Pretax return on assets | 1.1754% | 2,493 |
| Return on Equity (ROE) | 11.6300% | 2,312 |
| Retained earnings to average equity (ytd only) | 5.7332% | 2,835 |
| Net charge-offs to loans | 0.0367% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 49.2857% | 1,105 |
| Efficiency ratio | 65.2338% | 2,297 |
| Assets per employee ($millions) | 6.9892% | 1,990 |
| Cash dividends to net income (ytd only)* | 50.7128% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,200 |
| Loan loss allowance to noncurrent loans | 99.2551% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 699 |
| Noncurrent loans to loans | 1.0787% | 663 |
| Net loans and leases to total assets | 64.0600% | 2,247 |
| Net loans and leases to deposits | 70.1740% | 2,595 |
| Net loans and leases to core deposits | 80.2638% | 2,238 |
| Total domestic deposits to total assets | 91.2900% | 707 |
| Equity capital to assets | 7.5376% | 3,542 |
| Core capital (leverage) ratio | 8.7147% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0021% | 2,945 |
| Memoranda: | ||
| Average total assets | $234,809,000 | 2,821 |
| Average earning assets | $226,558,000 | 2,764 |
| Average equity | $16,884,000 | 3,141 |
| Average total loans | $152,512,500 | 2,682 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 2,588 |
| Cost of funding earning assets | 0.4369% | 1,811 |
| Net interest margin | 3.2421% | 2,729 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.8492% | 3,933 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9617% | 2,717 |
| Return on assets (ROA) | 0.8259% | 3,165 |
| Pretax return on assets | 1.0755% | 2,847 |
| Return on Equity (ROE) | 11.5100% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.3135% | 2,099 |
| Net charge-offs to loans | 0.1137% | 659 |
| Credit loss provision to net charge-offs | 189.8734% | 1,156 |
| Earnings coverage of net charge-offs (x) | 20.1835% | 1,889 |
| Efficiency ratio | 54.7377% | 3,719 |
| Assets per employee ($millions) | 7.2416% | 1,792 |
| Cash dividends to net income (ytd only)* | 36.4349% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,169 |
| Loan loss allowance to noncurrent loans | 58.0634% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 331 |
| Noncurrent loans to loans | 1.7845% | 337 |
| Net loans and leases to total assets | 64.4700% | 2,198 |
| Net loans and leases to deposits | 74.7597% | 2,192 |
| Net loans and leases to core deposits | 82.2694% | 1,989 |
| Total domestic deposits to total assets | 86.2300% | 2,666 |
| Equity capital to assets | 6.8556% | 3,742 |
| Core capital (leverage) ratio | 8.5876% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7989% | 2,993 |
| Memoranda: | ||
| Average total assets | $231,614,400 | 2,838 |
| Average earning assets | $222,724,400 | 2,789 |
| Average equity | $16,626,800 | 3,230 |
| Average total loans | $138,975,200 | 2,738 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 2,852 |
| Cost of funding earning assets | 0.4104% | 1,220 |
| Net interest margin | 3.0115% | 3,192 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.7715% | 4,035 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8266% | 3,148 |
| Return on assets (ROA) | 0.7712% | 3,307 |
| Pretax return on assets | 1.0561% | 2,855 |
| Return on Equity (ROE) | 10.6200% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.0389% | 2,347 |
| Net charge-offs to loans | 0.1563% | 415 |
| Credit loss provision to net charge-offs | 94.9367% | 1,357 |
| Earnings coverage of net charge-offs (x) | 13.2342% | 1,890 |
| Efficiency ratio | 56.5124% | 3,569 |
| Assets per employee ($millions) | 7.6549% | 1,515 |
| Cash dividends to net income (ytd only)* | 33.7096% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,563 |
| Loan loss allowance to noncurrent loans | 25.6667% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.4020% | 93 |
| Noncurrent loans to loans | 3.8260% | 104 |
| Net loans and leases to total assets | 62.1600% | 2,266 |
| Net loans and leases to deposits | 71.9450% | 2,208 |
| Net loans and leases to core deposits | 78.9996% | 1,970 |
| Total domestic deposits to total assets | 86.4100% | 2,959 |
| Equity capital to assets | 6.4066% | 3,789 |
| Core capital (leverage) ratio | 8.3739% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7548% | 3,077 |
| Memoranda: | ||
| Average total assets | $229,774,750 | 2,861 |
| Average earning assets | $220,928,250 | 2,817 |
| Average equity | $16,687,750 | 3,260 |
| Average total loans | $134,800,500 | 2,783 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 2,908 |
| Cost of funding earning assets | 0.3988% | 928 |
| Net interest margin | 2.8463% | 3,304 |
| Noninterest income to average assets | 0.0836% | 4,547 |
| Noninterest expense to average assets | 1.7909% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7670% | 3,083 |
| Return on assets (ROA) | 0.6926% | 3,284 |
| Pretax return on assets | 0.9372% | 2,941 |
| Return on Equity (ROE) | 9.1604% | 2,644 |
| Retained earnings to average equity (ytd only) | 3.9458% | 3,101 |
| Net charge-offs to loans | 0.2429% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 7.4177% | 1,855 |
| Efficiency ratio | 60.3991% | 3,248 |
| Assets per employee ($millions) | 7.1168% | 1,868 |
| Cash dividends to net income (ytd only)* | 56.9250% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.9864% | 2,640 |
| Net loans and leases to deposits | 61.7473% | 2,907 |
| Net loans and leases to core deposits | 68.1040% | 2,642 |
| Total domestic deposits to total assets | 92.2897% | 733 |
| Equity capital to assets | 6.7590% | 3,903 |
| Core capital (leverage) ratio | 8.2008% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0699% | 3,007 |
| Memoranda: | ||
| Average total assets | $227,266,000 | 2,903 |
| Average earning assets | $218,669,333 | 2,860 |
| Average equity | $17,182,667 | 3,305 |
| Average total loans | $130,074,333 | 2,839 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1107% | 2,951 |
| Cost of funding earning assets | 0.4021% | 857 |
| Net interest margin | 2.7086% | 3,381 |
| Noninterest income to average assets | 0.0859% | 4,552 |
| Noninterest expense to average assets | 1.9367% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5245% | 3,640 |
| Return on assets (ROA) | 0.4171% | 3,885 |
| Pretax return on assets | 0.6175% | 3,591 |
| Return on Equity (ROE) | 5.2251% | 3,560 |
| Retained earnings to average equity (ytd only) | -0.3588% | 4,066 |
| Net charge-offs to loans | 0.4955% | 139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.6646% | 1,699 |
| Efficiency ratio | 68.7292% | 2,409 |
| Assets per employee ($millions) | 7.3201% | 1,791 |
| Cash dividends to net income (ytd only)* | 106.8670% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,551 |
| Loan loss allowance to noncurrent loans | 7,294.4444% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,996 |
| Noncurrent loans to loans | 0.0143% | 3,905 |
| Net loans and leases to total assets | 54.7840% | 2,658 |
| Net loans and leases to deposits | 59.8123% | 2,920 |
| Net loans and leases to core deposits | 66.5087% | 2,581 |
| Total domestic deposits to total assets | 91.5932% | 758 |
| Equity capital to assets | 7.3778% | 4,000 |
| Core capital (leverage) ratio | 8.2470% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1470% | 3,035 |
| Memoranda: | ||
| Average total assets | $223,471,000 | 2,936 |
| Average earning assets | $214,869,000 | 2,900 |
| Average equity | $17,837,000 | 3,339 |
| Average total loans | $127,537,000 | 2,873 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 1,932 |
| Cost of funding earning assets | 0.4473% | 1,220 |
| Net interest margin | 3.3255% | 2,247 |
| Noninterest income to average assets | 0.4192% | 2,952 |
| Noninterest expense to average assets | 1.8368% | 4,074 |
| Loan and lease loss provision to assets | 0.0838% | 1,462 |
| Net operating income to assets | 1.2923% | 1,617 |
| Return on assets (ROA) | 1.2859% | 1,697 |
| Pretax return on assets | 1.6960% | 1,159 |
| Return on Equity (ROE) | 14.5531% | 1,054 |
| Retained earnings to average equity (ytd only) | 9.9171% | 936 |
| Net charge-offs to loans | 0.0062% | 2,349 |
| Credit loss provision to net charge-offs | 2,187.5000% | 292 |
| Earnings coverage of net charge-offs (x) | 466.5000% | 291 |
| Efficiency ratio | 48.0967% | 4,397 |
| Assets per employee ($millions) | 8.1488% | 1,253 |
| Cash dividends to net income (ytd only)* | 31.8554% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,186 |
| Loan loss allowance to noncurrent loans | 392.2667% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,742 |
| Noncurrent loans to loans | 0.2897% | 2,556 |
| Net loans and leases to total assets | 58.1643% | 2,359 |
| Net loans and leases to deposits | 64.5157% | 2,641 |
| Net loans and leases to core deposits | 72.4549% | 2,217 |
| Total domestic deposits to total assets | 90.1554% | 884 |
| Equity capital to assets | 8.6048% | 3,988 |
| Core capital (leverage) ratio | 8.5464% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8772% | 2,916 |
| Memoranda: | ||
| Average total assets | $208,731,000 | 2,997 |
| Average earning assets | $201,205,000 | 2,945 |
| Average equity | $18,442,800 | 3,352 |
| Average total loans | $128,436,200 | 2,873 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 1,650 |
| Cost of funding earning assets | 0.4592% | 1,292 |
| Net interest margin | 3.4867% | 1,905 |
| Noninterest income to average assets | 0.1023% | 4,658 |
| Noninterest expense to average assets | 1.7075% | 4,319 |
| Loan and lease loss provision to assets | 0.1132% | 1,064 |
| Net operating income to assets | 1.2279% | 2,073 |
| Return on assets (ROA) | 1.2361% | 2,098 |
| Pretax return on assets | 1.6596% | 1,522 |
| Return on Equity (ROE) | 13.8930% | 1,425 |
| Retained earnings to average equity (ytd only) | 10.3197% | 1,222 |
| Net charge-offs to loans | -0.0031% | 3,313 |
| Credit loss provision to net charge-offs | -5,833.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4826% | 4,474 |
| Assets per employee ($millions) | 7.6931% | 1,453 |
| Cash dividends to net income (ytd only)* | 25.7203% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.8646% | 2,023 |
| Net loans and leases to deposits | 68.8764% | 2,346 |
| Net loans and leases to core deposits | 78.0764% | 1,890 |
| Total domestic deposits to total assets | 89.8197% | 855 |
| Equity capital to assets | 9.0841% | 3,754 |
| Core capital (leverage) ratio | 8.6566% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8999% | 2,985 |
| Memoranda: | ||
| Average total assets | $205,909,250 | 3,055 |
| Average earning assets | $198,881,500 | 2,996 |
| Average equity | $18,320,500 | 3,400 |
| Average total loans | $128,184,500 | 2,907 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 1,140 |
| Cost of funding earning assets | 0.4673% | 1,403 |
| Net interest margin | 3.7586% | 1,205 |
| Noninterest income to average assets | 0.0935% | 4,712 |
| Noninterest expense to average assets | 1.7223% | 4,328 |
| Loan and lease loss provision to assets | 0.0731% | 1,611 |
| Net operating income to assets | 1.4458% | 1,427 |
| Return on assets (ROA) | 1.4573% | 1,472 |
| Pretax return on assets | 1.9405% | 935 |
| Return on Equity (ROE) | 16.4961% | 863 |
| Retained earnings to average equity (ytd only) | 12.3390% | 843 |
| Net charge-offs to loans | -0.0031% | 3,299 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7173% | 4,629 |
| Assets per employee ($millions) | 8.0476% | 1,189 |
| Cash dividends to net income (ytd only)* | 25.2005% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,537 |
| Loan loss allowance to noncurrent loans | 83.5451% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 1,026 |
| Noncurrent loans to loans | 1.2827% | 921 |
| Net loans and leases to total assets | 60.9290% | 2,317 |
| Net loans and leases to deposits | 67.6889% | 2,648 |
| Net loans and leases to core deposits | 76.8090% | 2,160 |
| Total domestic deposits to total assets | 90.0132% | 771 |
| Equity capital to assets | 8.9038% | 3,883 |
| Core capital (leverage) ratio | 8.3792% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9481% | 2,970 |
| Memoranda: | ||
| Average total assets | $205,307,333 | 3,058 |
| Average earning assets | $198,157,667 | 2,998 |
| Average equity | $18,137,667 | 3,415 |
| Average total loans | $127,584,667 | 2,927 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 735 |
| Cost of funding earning assets | 0.4796% | 1,521 |
| Net interest margin | 4.0594% | 774 |
| Noninterest income to average assets | 0.0944% | 4,711 |
| Noninterest expense to average assets | 1.7075% | 4,362 |
| Loan and lease loss provision to assets | 0.1475% | 889 |
| Net operating income to assets | 1.5831% | 1,158 |
| Return on assets (ROA) | 1.6111% | 1,159 |
| Pretax return on assets | 2.1874% | 705 |
| Return on Equity (ROE) | 18.3104% | 691 |
| Retained earnings to average equity (ytd only) | 12.4081% | 1,048 |
| Net charge-offs to loans | -0.0063% | 3,485 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2062% | 4,734 |
| Assets per employee ($millions) | 8.1290% | 1,139 |
| Cash dividends to net income (ytd only)* | 32.2344% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,599 |
| Loan loss allowance to noncurrent loans | 19,728.5714% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,382 |
| Noncurrent loans to loans | 0.0054% | 4,304 |
| Net loans and leases to total assets | 60.7975% | 2,429 |
| Net loans and leases to deposits | 67.3258% | 2,777 |
| Net loans and leases to core deposits | 75.8866% | 2,367 |
| Total domestic deposits to total assets | 90.3035% | 668 |
| Equity capital to assets | 8.5411% | 4,083 |
| Core capital (leverage) ratio | 8.3276% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2850% | 3,042 |
| Memoranda: | ||
| Average total assets | $203,342,500 | 3,057 |
| Average earning assets | $195,989,000 | 3,011 |
| Average equity | $17,891,500 | 3,430 |
| Average total loans | $126,943,500 | 2,936 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 1,798 |
| Cost of funding earning assets | 0.6086% | 2,249 |
| Net interest margin | 3.7135% | 1,750 |
| Noninterest income to average assets | 0.1475% | 4,557 |
| Noninterest expense to average assets | 2.1504% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1923% | 1,578 |
| Return on assets (ROA) | 1.1914% | 1,686 |
| Pretax return on assets | 1.5663% | 1,144 |
| Return on Equity (ROE) | 12.6838% | 1,125 |
| Retained earnings to average equity (ytd only) | 6.8792% | 1,436 |
| Net charge-offs to loans | -0.0239% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9605% | 4,095 |
| Assets per employee ($millions) | 7.5127% | 1,269 |
| Cash dividends to net income (ytd only)* | 45.7635% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,682 |
| Loan loss allowance to noncurrent loans | 655.2764% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 3,798 |
| Noncurrent loans to loans | 0.1605% | 3,635 |
| Net loans and leases to total assets | 62.8185% | 2,507 |
| Net loans and leases to deposits | 70.1839% | 2,865 |
| Net loans and leases to core deposits | 77.7636% | 2,574 |
| Total domestic deposits to total assets | 89.5055% | 765 |
| Equity capital to assets | 9.0774% | 3,990 |
| Core capital (leverage) ratio | 8.6727% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2662% | 3,053 |
| Memoranda: | ||
| Average total assets | $180,293,000 | 3,099 |
| Average earning assets | $173,338,800 | 3,042 |
| Average equity | $16,935,000 | 3,458 |
| Average total loans | $121,522,200 | 2,964 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 1,462 |
| Cost of funding earning assets | 0.6394% | 2,378 |
| Net interest margin | 3.9066% | 1,337 |
| Noninterest income to average assets | 0.1518% | 4,538 |
| Noninterest expense to average assets | 1.9660% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4537% | 989 |
| Return on assets (ROA) | 1.4531% | 1,078 |
| Pretax return on assets | 1.9365% | 587 |
| Return on Equity (ROE) | 15.3279% | 643 |
| Retained earnings to average equity (ytd only) | 9.7034% | 827 |
| Net charge-offs to loans | -0.0309% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5619% | 4,635 |
| Assets per employee ($millions) | 7.1055% | 1,429 |
| Cash dividends to net income (ytd only)* | 36.6944% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,336 |
| Loan loss allowance to noncurrent loans | 4,825.9259% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,416 |
| Noncurrent loans to loans | 0.0223% | 4,324 |
| Net loans and leases to total assets | 64.9399% | 2,643 |
| Net loans and leases to deposits | 72.8711% | 3,051 |
| Net loans and leases to core deposits | 81.5598% | 2,691 |
| Total domestic deposits to total assets | 89.1162% | 721 |
| Equity capital to assets | 9.3725% | 3,795 |
| Core capital (leverage) ratio | 8.7998% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1801% | 2,878 |
| Memoranda: | ||
| Average total assets | $176,533,500 | 3,119 |
| Average earning assets | $169,519,500 | 3,062 |
| Average equity | $16,736,000 | 3,474 |
| Average total loans | $120,900,750 | 2,985 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,377 |
| Cost of funding earning assets | 0.6583% | 2,638 |
| Net interest margin | 4.0536% | 1,209 |
| Noninterest income to average assets | 0.1554% | 4,519 |
| Noninterest expense to average assets | 1.9471% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6016% | 758 |
| Return on assets (ROA) | 1.6007% | 827 |
| Pretax return on assets | 2.1117% | 427 |
| Return on Equity (ROE) | 16.8168% | 470 |
| Retained earnings to average equity (ytd only) | 11.6424% | 507 |
| Net charge-offs to loans | -0.0447% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2098% | 4,765 |
| Assets per employee ($millions) | 6.7228% | 1,611 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.3882% | 2,126 |
| Net loans and leases to deposits | 77.8180% | 2,680 |
| Net loans and leases to core deposits | 86.6756% | 2,383 |
| Total domestic deposits to total assets | 89.1673% | 680 |
| Equity capital to assets | 9.4505% | 3,703 |
| Core capital (leverage) ratio | 9.0793% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2015% | 2,917 |
| Memoranda: | ||
| Average total assets | $173,797,000 | 3,128 |
| Average earning assets | $167,405,667 | 3,071 |
| Average equity | $16,543,000 | 3,498 |
| Average total loans | $120,776,000 | 2,972 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,600 |
| Cost of funding earning assets | 0.7244% | 2,808 |
| Net interest margin | 4.0114% | 1,361 |
| Noninterest income to average assets | 0.1412% | 4,657 |
| Noninterest expense to average assets | 2.0243% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5271% | 732 |
| Return on assets (ROA) | 1.5253% | 804 |
| Pretax return on assets | 1.9725% | 480 |
| Return on Equity (ROE) | 15.9630% | 429 |
| Retained earnings to average equity (ytd only) | 12.2679% | 394 |
| Net charge-offs to loans | -0.1191% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7928% | 4,769 |
| Assets per employee ($millions) | 6.8420% | 1,166 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,943 |
| Loan loss allowance to noncurrent loans | 177.2666% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,736 |
| Noncurrent loans to loans | 0.6480% | 2,370 |
| Net loans and leases to total assets | 65.9121% | 2,827 |
| Net loans and leases to deposits | 74.1807% | 3,252 |
| Net loans and leases to core deposits | 80.1647% | 3,180 |
| Total domestic deposits to total assets | 88.8535% | 730 |
| Equity capital to assets | 9.6171% | 4,120 |
| Core capital (leverage) ratio | 8.9362% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8600% | 3,138 |
| Memoranda: | ||
| Average total assets | $169,938,000 | 3,136 |
| Average earning assets | $163,435,500 | 3,076 |
| Average equity | $16,237,500 | 3,537 |
| Average total loans | $117,538,000 | 2,983 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 1,283 |
| Cost of funding earning assets | 0.7417% | 2,959 |
| Net interest margin | 4.3303% | 1,031 |
| Noninterest income to average assets | 0.1227% | 4,847 |
| Noninterest expense to average assets | 2.2790% | 3,994 |
| Loan and lease loss provision to assets | 0.1221% | 1,734 |
| Net operating income to assets | 1.4093% | 1,315 |
| Return on assets (ROA) | 1.4122% | 1,383 |
| Pretax return on assets | 1.8910% | 759 |
| Return on Equity (ROE) | 14.8139% | 725 |
| Retained earnings to average equity (ytd only) | 3.4162% | 3,303 |
| Net charge-offs to loans | 0.0749% | 2,026 |
| Credit loss provision to net charge-offs | 240.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 39.4941% | 1,327 |
| Efficiency ratio | 50.0558% | 4,729 |
| Assets per employee ($millions) | 6.2529% | 1,451 |
| Cash dividends to net income (ytd only)* | 76.9394% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,629 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.9300% | 2,261 |
| Net loans and leases to deposits | 82.7030% | 2,474 |
| Net loans and leases to core deposits | 87.9906% | 2,606 |
| Total domestic deposits to total assets | 85.7647% | 2,152 |
| Equity capital to assets | 9.4920% | 4,359 |
| Core capital (leverage) ratio | 8.7757% | 4,681 |
| Tier 1 risk-based capital ratio | 10.6146% | 4,983 |
| Total risk-based capital ratio | 11.5425% | 5,011 |
| Memoranda: | ||
| Average total assets | $167,050,200 | 3,134 |
| Average earning assets | $160,706,000 | 3,077 |
| Average equity | $15,924,200 | 3,550 |
| Average total loans | $113,449,200 | 3,028 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 1,328 |
| Cost of funding earning assets | 0.7344% | 3,043 |
| Net interest margin | 4.3454% | 1,063 |
| Noninterest income to average assets | 0.1360% | 4,853 |
| Noninterest expense to average assets | 1.8710% | 4,732 |
| Loan and lease loss provision to assets | 0.0288% | 3,327 |
| Net operating income to assets | 1.7960% | 622 |
| Return on assets (ROA) | 1.7966% | 652 |
| Pretax return on assets | 2.4184% | 293 |
| Return on Equity (ROE) | 18.8267% | 327 |
| Retained earnings to average equity (ytd only) | 9.9543% | 760 |
| Net charge-offs to loans | 0.0466% | 2,169 |
| Credit loss provision to net charge-offs | 92.3077% | 2,371 |
| Earnings coverage of net charge-offs (x) | 78.3827% | 873 |
| Efficiency ratio | 40.1668% | 5,119 |
| Assets per employee ($millions) | 6.7829% | 1,121 |
| Cash dividends to net income (ytd only)* | 47.1269% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 3,715 |
| Loan loss allowance to noncurrent loans | 1,239.7849% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,433 |
| Noncurrent loans to loans | 0.0785% | 4,292 |
| Net loans and leases to total assets | 69.1753% | 2,596 |
| Net loans and leases to deposits | 83.9310% | 2,465 |
| Net loans and leases to core deposits | 89.6201% | 2,573 |
| Total domestic deposits to total assets | 82.4193% | 3,350 |
| Equity capital to assets | 9.8407% | 4,170 |
| Core capital (leverage) ratio | 9.1371% | 4,529 |
| Tier 1 risk-based capital ratio | 11.1510% | 4,843 |
| Total risk-based capital ratio | 11.9982% | 4,914 |
| Memoranda: | ||
| Average total assets | $166,606,000 | 3,168 |
| Average earning assets | $160,318,000 | 3,111 |
| Average equity | $15,899,000 | 3,587 |
| Average total loans | $111,555,500 | 3,091 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 1,420 |
| Cost of funding earning assets | 0.7102% | 3,112 |
| Net interest margin | 4.3125% | 1,115 |
| Noninterest income to average assets | 0.1316% | 4,916 |
| Noninterest expense to average assets | 1.8597% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8068% | 582 |
| Return on assets (ROA) | 1.8078% | 602 |
| Pretax return on assets | 2.4237% | 274 |
| Return on Equity (ROE) | 19.1477% | 309 |
| Retained earnings to average equity (ytd only) | 12.3558% | 367 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2143% | 5,157 |
| Assets per employee ($millions) | 6.5658% | 1,205 |
| Cash dividends to net income (ytd only)* | 35.4709% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.9720% | 2,819 |
| Net loans and leases to deposits | 76.7440% | 3,267 |
| Net loans and leases to core deposits | 82.1240% | 3,257 |
| Total domestic deposits to total assets | 88.5698% | 847 |
| Equity capital to assets | 9.9023% | 4,060 |
| Core capital (leverage) ratio | 8.9365% | 4,687 |
| Tier 1 risk-based capital ratio | 11.1303% | 4,857 |
| Total risk-based capital ratio | 12.0063% | 4,928 |
| Memoranda: | ||
| Average total assets | $165,617,330 | 3,192 |
| Average earning assets | $159,396,000 | 3,138 |
| Average equity | $15,636,330 | 3,618 |
| Average total loans | $109,255,670 | 3,148 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 1,807 |
| Cost of funding earning assets | 0.6724% | 3,191 |
| Net interest margin | 4.1616% | 1,398 |
| Noninterest income to average assets | 0.0938% | 5,102 |
| Noninterest expense to average assets | 1.8827% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6735% | 771 |
| Return on assets (ROA) | 1.6735% | 800 |
| Pretax return on assets | 2.2146% | 435 |
| Return on Equity (ROE) | 18.1634% | 383 |
| Retained earnings to average equity (ytd only) | 11.5609% | 693 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6056% | 5,148 |
| Assets per employee ($millions) | 6.8095% | 1,085 |
| Cash dividends to net income (ytd only)* | 36.3506% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 3,096 |
| Loan loss allowance to noncurrent loans | 89.1288% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 1,851 |
| Noncurrent loans to loans | 1.2416% | 1,326 |
| Net loans and leases to total assets | 60.6845% | 3,641 |
| Net loans and leases to deposits | 67.8970% | 3,934 |
| Net loans and leases to core deposits | 71.9220% | 3,950 |
| Total domestic deposits to total assets | 89.3772% | 701 |
| Equity capital to assets | 9.1713% | 4,560 |
| Core capital (leverage) ratio | 8.6093% | 4,942 |
| Tier 1 risk-based capital ratio | 11.3339% | 4,817 |
| Total risk-based capital ratio | 12.2626% | 4,871 |
| Memoranda: | ||
| Average total assets | $166,354,000 | 3,225 |
| Average earning assets | $160,035,500 | 3,166 |
| Average equity | $15,327,500 | 3,666 |
| Average total loans | $107,519,500 | 3,204 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,757 |
| Cost of funding earning assets | 0.5796% | 2,857 |
| Net interest margin | 4.1422% | 1,551 |
| Noninterest income to average assets | 0.1129% | 5,109 |
| Noninterest expense to average assets | 2.4553% | 3,739 |
| Loan and lease loss provision to assets | 0.2394% | 738 |
| Net operating income to assets | 1.0820% | 2,669 |
| Return on assets (ROA) | 1.0496% | 2,792 |
| Pretax return on assets | 1.3490% | 2,320 |
| Return on Equity (ROE) | 11.7341% | 1,804 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,113 |
| Net charge-offs to loans | 0.0241% | 2,925 |
| Credit loss provision to net charge-offs | 1,529.1667% | 272 |
| Earnings coverage of net charge-offs (x) | 104.0833% | 723 |
| Efficiency ratio | 56.8508% | 4,304 |
| Assets per employee ($millions) | 6.7696% | 1,083 |
| Cash dividends to net income (ytd only)* | 47.5451% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,418 |
| Loan loss allowance to noncurrent loans | 74.7253% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9522% | 1,439 |
| Noncurrent loans to loans | 1.3991% | 1,115 |
| Net loans and leases to total assets | 67.3472% | 2,958 |
| Net loans and leases to deposits | 75.2377% | 3,409 |
| Net loans and leases to core deposits | 79.4463% | 3,467 |
| Total domestic deposits to total assets | 89.5125% | 655 |
| Equity capital to assets | 9.2583% | 4,360 |
| Core capital (leverage) ratio | 8.6190% | 4,946 |
| Tier 1 risk-based capital ratio | 11.0553% | 4,953 |
| Total risk-based capital ratio | 11.9945% | 4,986 |
| Memoranda: | ||
| Average total assets | $153,299,200 | 3,350 |
| Average earning assets | $147,000,400 | 3,285 |
| Average equity | $13,712,200 | 3,785 |
| Average total loans | $99,787,200 | 3,294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6037% | 1,968 |
| Cost of funding earning assets | 0.5607% | 2,783 |
| Net interest margin | 4.0429% | 1,811 |
| Noninterest income to average assets | 0.1157% | 5,153 |
| Noninterest expense to average assets | 2.1032% | 4,545 |
| Loan and lease loss provision to assets | 0.2737% | 554 |
| Net operating income to assets | 1.2161% | 2,173 |
| Return on assets (ROA) | 1.1840% | 2,301 |
| Pretax return on assets | 1.5752% | 1,652 |
| Return on Equity (ROE) | 13.3632% | 1,312 |
| Retained earnings to average equity (ytd only) | 9.2775% | 1,125 |
| Net charge-offs to loans | 0.0233% | 2,668 |
| Credit loss provision to net charge-offs | 1,823.5294% | 233 |
| Earnings coverage of net charge-offs (x) | 125.8606% | 635 |
| Efficiency ratio | 51.2826% | 4,865 |
| Assets per employee ($millions) | 6.6260% | 1,124 |
| Cash dividends to net income (ytd only)* | 30.5740% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,801 |
| Loan loss allowance to noncurrent loans | 48.8948% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 930 |
| Noncurrent loans to loans | 2.0346% | 711 |
| Net loans and leases to total assets | 69.2155% | 2,773 |
| Net loans and leases to deposits | 80.9118% | 2,938 |
| Net loans and leases to core deposits | 84.9332% | 3,085 |
| Total domestic deposits to total assets | 85.5444% | 2,374 |
| Equity capital to assets | 9.4884% | 4,086 |
| Core capital (leverage) ratio | 8.5501% | 5,068 |
| Tier 1 risk-based capital ratio | 10.8512% | 5,100 |
| Total risk-based capital ratio | 11.7290% | 5,161 |
| Memoranda: | ||
| Average total assets | $151,006,500 | 3,410 |
| Average earning assets | $144,808,250 | 3,345 |
| Average equity | $13,379,750 | 3,864 |
| Average total loans | $97,090,250 | 3,386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 2,175 |
| Cost of funding earning assets | 0.5089% | 2,946 |
| Net interest margin | 3.9630% | 1,990 |
| Noninterest income to average assets | 0.1011% | 5,268 |
| Noninterest expense to average assets | 2.1816% | 4,409 |
| Loan and lease loss provision to assets | 0.2831% | 498 |
| Net operating income to assets | 1.0897% | 2,618 |
| Return on assets (ROA) | 1.0908% | 2,626 |
| Pretax return on assets | 1.4386% | 2,024 |
| Return on Equity (ROE) | 12.6308% | 1,500 |
| Retained earnings to average equity (ytd only) | 10.6792% | 743 |
| Net charge-offs to loans | 0.0368% | 2,115 |
| Credit loss provision to net charge-offs | 1,235.2941% | 339 |
| Earnings coverage of net charge-offs (x) | 75.0588% | 859 |
| Efficiency ratio | 54.4575% | 4,642 |
| Assets per employee ($millions) | 7.2493% | 845 |
| Cash dividends to net income (ytd only)* | 15.4512% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 4,029 |
| 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 | 61.8436% | 3,621 |
| Net loans and leases to deposits | 70.2547% | 3,832 |
| Net loans and leases to core deposits | 73.4736% | 3,911 |
| Total domestic deposits to total assets | 88.0277% | 1,370 |
| Equity capital to assets | 8.3168% | 5,067 |
| Core capital (leverage) ratio | 7.5038% | 5,440 |
| Tier 1 risk-based capital ratio | 9.4057% | 5,504 |
| Total risk-based capital ratio | 10.1685% | 5,513 |
| Memoranda: | ||
| Average total assets | $148,333,670 | 3,461 |
| Average earning assets | $142,264,330 | 3,385 |
| Average equity | $12,810,000 | 3,955 |
| Average total loans | $92,395,000 | 3,473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 2,431 |
| Cost of funding earning assets | 0.4326% | 3,352 |
| Net interest margin | 3.8938% | 2,067 |
| Noninterest income to average assets | 0.1006% | 5,328 |
| Noninterest expense to average assets | 2.1907% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3426% | 1,502 |
| Return on assets (ROA) | 1.3426% | 1,517 |
| Pretax return on assets | 1.6358% | 1,281 |
| Return on Equity (ROE) | 15.2099% | 771 |
| Retained earnings to average equity (ytd only) | 15.2099% | 314 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6724% | 4,624 |
| Assets per employee ($millions) | 7.1998% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.4265% | 4,167 |
| Net loans and leases to deposits | 61.0664% | 4,392 |
| Net loans and leases to core deposits | 63.7544% | 4,441 |
| Total domestic deposits to total assets | 90.7643% | 395 |
| Equity capital to assets | 8.7448% | 4,787 |
| Core capital (leverage) ratio | 9.6242% | 3,933 |
| Tier 1 risk-based capital ratio | 12.1379% | 4,467 |
| Total risk-based capital ratio | 13.0963% | 4,535 |
| Memoranda: | ||
| Average total assets | $139,133,000 | 3,623 |
| Average earning assets | $133,133,500 | 3,546 |
| Average equity | $12,281,500 | 4,077 |
| Average total loans | $86,532,000 | 3,622 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 1,990 |
| Cost of funding earning assets | 0.3523% | 3,695 |
| Net interest margin | 4.0624% | 1,557 |
| Noninterest income to average assets | 0.1044% | 5,399 |
| Noninterest expense to average assets | 2.5466% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9576% | 2,412 |
| Return on assets (ROA) | 0.9683% | 2,411 |
| Pretax return on assets | 1.4831% | 1,708 |
| Return on Equity (ROE) | 10.6783% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.1424% | 1,026 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 4,010 |
| Assets per employee ($millions) | 5.9300% | 1,566 |
| Cash dividends to net income (ytd only)* | 33.1126% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.5103% | 2,447 |
| Net loans and leases to deposits | 78.1137% | 3,101 |
| Net loans and leases to core deposits | 82.6268% | 3,187 |
| Total domestic deposits to total assets | 90.2663% | 477 |
| Equity capital to assets | 8.9483% | 4,776 |
| Core capital (leverage) ratio | 8.7440% | 4,908 |
| Tier 1 risk-based capital ratio | 10.7137% | 5,296 |
| Total risk-based capital ratio | 11.6131% | 5,338 |
| Memoranda: | ||
| Average total assets | $109,163,400 | 4,079 |
| Average earning assets | $105,036,600 | 4,003 |
| Average equity | $9,898,600 | 4,466 |
| Average total loans | $75,275,000 | 3,839 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,081 |
| Cost of funding earning assets | 0.3301% | 3,843 |
| Net interest margin | 4.0288% | 1,609 |
| Noninterest income to average assets | 0.1145% | 5,422 |
| Noninterest expense to average assets | 2.1892% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1518% | 1,875 |
| Return on assets (ROA) | 1.1660% | 1,864 |
| Pretax return on assets | 1.8247% | 838 |
| Return on Equity (ROE) | 12.8151% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.0788% | 1,183 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8994% | 5,027 |
| Assets per employee ($millions) | 6.3961% | 1,249 |
| Cash dividends to net income (ytd only)* | 36.9591% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,905 |
| Loan loss allowance to noncurrent loans | 813.0000% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,775 |
| Noncurrent loans to loans | 0.1266% | 4,554 |
| Net loans and leases to total assets | 71.9048% | 2,265 |
| Net loans and leases to deposits | 85.3837% | 2,382 |
| Net loans and leases to core deposits | 90.5789% | 2,560 |
| Total domestic deposits to total assets | 84.2138% | 3,040 |
| Equity capital to assets | 9.3770% | 4,566 |
| Core capital (leverage) ratio | 9.0497% | 4,686 |
| Tier 1 risk-based capital ratio | 11.1577% | 5,153 |
| Total risk-based capital ratio | 12.0899% | 5,233 |
| Memoranda: | ||
| Average total assets | $108,286,750 | 4,131 |
| Average earning assets | $104,213,250 | 4,063 |
| Average equity | $9,852,750 | 4,524 |
| Average total loans | $74,029,500 | 3,901 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,364 |
| Cost of funding earning assets | 0.2862% | 4,225 |
| Net interest margin | 3.9418% | 1,802 |
| Noninterest income to average assets | 0.1073% | 5,491 |
| Noninterest expense to average assets | 2.3655% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9859% | 2,500 |
| Return on assets (ROA) | 1.0024% | 2,453 |
| Pretax return on assets | 1.5628% | 1,451 |
| Return on Equity (ROE) | 11.1313% | 1,593 |
| Retained earnings to average equity (ytd only) | 6.5104% | 1,841 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6256% | 4,513 |
| Assets per employee ($millions) | 5.9058% | 1,524 |
| Cash dividends to net income (ytd only)* | 41.5129% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.0529% | 2,661 |
| Net loans and leases to deposits | 78.0019% | 3,117 |
| Net loans and leases to core deposits | 81.9419% | 3,258 |
| Total domestic deposits to total assets | 88.5272% | 1,187 |
| Equity capital to assets | 9.3355% | 4,580 |
| Core capital (leverage) ratio | 8.8685% | 4,878 |
| Tier 1 risk-based capital ratio | 11.3915% | 5,023 |
| Total risk-based capital ratio | 12.3740% | 5,078 |
| Memoranda: | ||
| Average total assets | $108,137,670 | 4,164 |
| Average earning assets | $104,114,000 | 4,093 |
| Average equity | $9,738,330 | 4,553 |
| Average total loans | $72,373,330 | 3,965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 2,454 |
| Cost of funding earning assets | 0.2630% | 4,425 |
| Net interest margin | 3.8919% | 1,812 |
| Noninterest income to average assets | 0.1027% | 5,580 |
| Noninterest expense to average assets | 2.7729% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7189% | 3,621 |
| Return on assets (ROA) | 0.7189% | 3,662 |
| Pretax return on assets | 1.0747% | 3,074 |
| Return on Equity (ROE) | 8.1281% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,453 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0667% | 2,878 |
| Assets per employee ($millions) | 6.1381% | 1,402 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,417 |
| Loan loss allowance to noncurrent loans | 719.4690% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,857 |
| Noncurrent loans to loans | 0.1598% | 4,545 |
| Net loans and leases to total assets | 63.2723% | 3,365 |
| Net loans and leases to deposits | 69.9350% | 3,801 |
| Net loans and leases to core deposits | 72.9338% | 3,921 |
| Total domestic deposits to total assets | 90.4730% | 483 |
| Equity capital to assets | 8.7776% | 5,017 |
| Core capital (leverage) ratio | 8.4901% | 5,237 |
| Tier 1 risk-based capital ratio | 11.4540% | 5,061 |
| Total risk-based capital ratio | 12.4679% | 5,091 |
| Memoranda: | ||
| Average total assets | $109,054,500 | 4,189 |
| Average earning assets | $104,936,000 | 4,105 |
| Average equity | $9,645,500 | 4,596 |
| Average total loans | $71,450,500 | 4,018 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 2,620 |
| Cost of funding earning assets | 0.2309% | 4,729 |
| Net interest margin | 3.9306% | 1,856 |
| Noninterest income to average assets | 0.1142% | 5,603 |
| Noninterest expense to average assets | 2.2005% | 4,769 |
| Loan and lease loss provision to assets | 0.1097% | 2,228 |
| Net operating income to assets | 1.0543% | 2,119 |
| Return on assets (ROA) | 1.0857% | 2,059 |
| Pretax return on assets | 1.6468% | 1,149 |
| Return on Equity (ROE) | 11.8174% | 1,303 |
| Retained earnings to average equity (ytd only) | -2.1088% | 5,546 |
| Net charge-offs to loans | 0.0226% | 3,593 |
| Credit loss provision to net charge-offs | 750.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 116.8750% | 516 |
| Efficiency ratio | 54.3245% | 5,218 |
| Assets per employee ($millions) | 5.6644% | 1,730 |
| Cash dividends to net income (ytd only)* | 117.8451% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.3130% | 3,028 |
| Net loans and leases to deposits | 73.4224% | 3,575 |
| Net loans and leases to core deposits | 76.6615% | 3,690 |
| Total domestic deposits to total assets | 90.3171% | 508 |
| Equity capital to assets | 8.9135% | 4,894 |
| Core capital (leverage) ratio | 8.5268% | 5,237 |
| Tier 1 risk-based capital ratio | 11.8045% | 4,858 |
| Total risk-based capital ratio | 12.8582% | 4,896 |
| Memoranda: | ||
| Average total assets | $109,427,400 | 4,175 |
| Average earning assets | $105,657,600 | 4,085 |
| Average equity | $10,053,000 | 4,560 |
| Average total loans | $70,757,800 | 4,026 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,833 |
| Cost of funding earning assets | 0.2274% | 4,812 |
| Net interest margin | 3.8841% | 2,036 |
| Noninterest income to average assets | 0.1165% | 5,654 |
| Noninterest expense to average assets | 1.9354% | 5,320 |
| Loan and lease loss provision to assets | 0.0121% | 4,004 |
| Net operating income to assets | 1.2361% | 1,499 |
| Return on assets (ROA) | 1.2765% | 1,462 |
| Pretax return on assets | 1.9827% | 593 |
| Return on Equity (ROE) | 13.7946% | 865 |
| Retained earnings to average equity (ytd only) | 8.5495% | 961 |
| Net charge-offs to loans | 0.0379% | 2,869 |
| Credit loss provision to net charge-offs | 50.0000% | 3,029 |
| Earnings coverage of net charge-offs (x) | 79.5879% | 791 |
| Efficiency ratio | 48.0703% | 5,593 |
| Assets per employee ($millions) | 5.6971% | 1,665 |
| Cash dividends to net income (ytd only)* | 38.0229% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.7844% | 2,687 |
| Net loans and leases to deposits | 77.9731% | 3,185 |
| Net loans and leases to core deposits | 80.5494% | 3,394 |
| Total domestic deposits to total assets | 88.2155% | 1,289 |
| Equity capital to assets | 9.7447% | 4,422 |
| Core capital (leverage) ratio | 9.0641% | 4,761 |
| Tier 1 risk-based capital ratio | 12.1911% | 4,683 |
| Total risk-based capital ratio | 13.0471% | 4,815 |
| Memoranda: | ||
| Average total assets | $109,878,500 | 4,196 |
| Average earning assets | $106,104,000 | 4,102 |
| Average equity | $10,168,000 | 4,588 |
| Average total loans | $70,402,000 | 4,066 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,324 |
| Cost of funding earning assets | 0.2116% | 5,025 |
| Net interest margin | 3.7649% | 2,457 |
| Noninterest income to average assets | 0.1087% | 5,749 |
| Noninterest expense to average assets | 1.9670% | 5,339 |
| Loan and lease loss provision to assets | 0.0181% | 3,767 |
| Net operating income to assets | 1.1385% | 1,814 |
| Return on assets (ROA) | 1.1791% | 1,765 |
| Pretax return on assets | 1.8293% | 823 |
| Return on Equity (ROE) | 12.9664% | 1,039 |
| Retained earnings to average equity (ytd only) | 7.9870% | 1,169 |
| Net charge-offs to loans | 0.0581% | 2,356 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 1,006 |
| Efficiency ratio | 50.4104% | 5,538 |
| Assets per employee ($millions) | 6.2786% | 1,206 |
| Cash dividends to net income (ytd only)* | 38.4025% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,784 |
| Loan loss allowance to noncurrent loans | 2,688.4615% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,501 |
| Noncurrent loans to loans | 0.0351% | 5,330 |
| Net loans and leases to total assets | 64.8521% | 3,245 |
| Net loans and leases to deposits | 77.0570% | 3,262 |
| Net loans and leases to core deposits | 79.6142% | 3,501 |
| Total domestic deposits to total assets | 84.1613% | 3,210 |
| Equity capital to assets | 9.1121% | 5,151 |
| Core capital (leverage) ratio | 8.9100% | 4,929 |
| Tier 1 risk-based capital ratio | 11.6073% | 5,087 |
| Total risk-based capital ratio | 12.4447% | 5,236 |
| Memoranda: | ||
| Average total assets | $110,423,330 | 4,219 |
| Average earning assets | $106,829,670 | 4,118 |
| Average equity | $10,041,330 | 4,635 |
| Average total loans | $68,818,000 | 4,121 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 3,566 |
| Cost of funding earning assets | 0.1971% | 5,233 |
| Net interest margin | 3.7101% | 2,626 |
| Noninterest income to average assets | 0.1063% | 5,806 |
| Noninterest expense to average assets | 1.9280% | 5,482 |
| Loan and lease loss provision to assets | 0.0367% | 3,178 |
| Net operating income to assets | 1.1289% | 1,796 |
| Return on assets (ROA) | 1.1289% | 1,904 |
| Pretax return on assets | 1.7301% | 990 |
| Return on Equity (ROE) | 12.4281% | 1,173 |
| Retained earnings to average equity (ytd only) | 8.3930% | 1,302 |
| Net charge-offs to loans | 0.1208% | 1,385 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,342 |
| Efficiency ratio | 51.2897% | 5,549 |
| Assets per employee ($millions) | 5.9699% | 1,422 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 4,155 |
| Loan loss allowance to noncurrent loans | 2,496.4286% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,534 |
| Noncurrent loans to loans | 0.0433% | 5,319 |
| Net loans and leases to total assets | 59.4906% | 3,848 |
| Net loans and leases to deposits | 66.0734% | 4,245 |
| Net loans and leases to core deposits | 68.2263% | 4,384 |
| Total domestic deposits to total assets | 90.0371% | 583 |
| Equity capital to assets | 9.3450% | 4,849 |
| Core capital (leverage) ratio | 8.8656% | 5,004 |
| Tier 1 risk-based capital ratio | 12.8828% | 4,335 |
| Total risk-based capital ratio | 13.8328% | 4,441 |
| Memoranda: | ||
| Average total assets | $109,128,000 | 4,278 |
| Average earning assets | $105,550,000 | 4,170 |
| Average equity | $9,913,000 | 4,673 |
| Average total loans | $66,231,500 | 4,214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 3,947 |
| Cost of funding earning assets | 0.1893% | 5,374 |
| Net interest margin | 3.6414% | 2,975 |
| Noninterest income to average assets | 0.1313% | 5,758 |
| Noninterest expense to average assets | 2.1327% | 5,190 |
| Loan and lease loss provision to assets | 0.1322% | 1,809 |
| Net operating income to assets | 0.9299% | 2,703 |
| Return on assets (ROA) | 0.9305% | 2,787 |
| Pretax return on assets | 1.3841% | 1,963 |
| Return on Equity (ROE) | 10.6128% | 1,752 |
| Retained earnings to average equity (ytd only) | 4.9348% | 2,462 |
| Net charge-offs to loans | 0.0575% | 3,071 |
| Credit loss provision to net charge-offs | 394.5946% | 771 |
| Earnings coverage of net charge-offs (x) | 45.2432% | 1,075 |
| Efficiency ratio | 57.6179% | 5,186 |
| Assets per employee ($millions) | 6.9248% | 915 |
| Cash dividends to net income (ytd only)* | 53.5019% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 4,347 |
| Loan loss allowance to noncurrent loans | 4,170.5882% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 5,635 |
| Noncurrent loans to loans | 0.0251% | 5,416 |
| Net loans and leases to total assets | 60.5856% | 3,752 |
| Net loans and leases to deposits | 66.9462% | 4,225 |
| Net loans and leases to core deposits | 68.2005% | 4,436 |
| Total domestic deposits to total assets | 90.4988% | 437 |
| Equity capital to assets | 8.8306% | 5,281 |
| Core capital (leverage) ratio | 8.4711% | 5,457 |
| Tier 1 risk-based capital ratio | 12.3425% | 4,736 |
| Total risk-based capital ratio | 13.2879% | 4,826 |
| Memoranda: | ||
| Average total assets | $110,472,800 | 4,249 |
| Average earning assets | $106,690,000 | 4,126 |
| Average equity | $9,686,400 | 4,712 |
| Average total loans | $64,297,800 | 4,249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,094 |
| Cost of funding earning assets | 0.1864% | 5,485 |
| Net interest margin | 3.6108% | 3,118 |
| Noninterest income to average assets | 0.1304% | 5,822 |
| Noninterest expense to average assets | 1.8829% | 5,663 |
| Loan and lease loss provision to assets | 0.0314% | 3,610 |
| Net operating income to assets | 1.1072% | 1,975 |
| Return on assets (ROA) | 1.1088% | 2,045 |
| Pretax return on assets | 1.7054% | 1,088 |
| Return on Equity (ROE) | 12.6679% | 1,203 |
| Retained earnings to average equity (ytd only) | 8.5280% | 1,048 |
| Net charge-offs to loans | 0.0778% | 2,440 |
| Credit loss provision to net charge-offs | 70.2703% | 2,764 |
| Earnings coverage of net charge-offs (x) | 38.8125% | 1,277 |
| Efficiency ratio | 51.1853% | 5,708 |
| Assets per employee ($millions) | 6.4149% | 1,106 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 5,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.6516% | 3,784 |
| Net loans and leases to deposits | 71.6043% | 3,816 |
| Net loans and leases to core deposits | 72.6662% | 4,129 |
| Total domestic deposits to total assets | 84.7039% | 3,126 |
| Equity capital to assets | 9.1661% | 5,151 |
| Core capital (leverage) ratio | 8.4793% | 5,565 |
| Tier 1 risk-based capital ratio | 12.5065% | 4,752 |
| Total risk-based capital ratio | 13.2951% | 4,969 |
| Memoranda: | ||
| Average total assets | $110,391,750 | 4,299 |
| Average earning assets | $106,602,250 | 4,168 |
| Average equity | $9,662,000 | 4,780 |
| Average total loans | $63,413,250 | 4,322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 4,424 |
| Cost of funding earning assets | 0.2165% | 5,292 |
| Net interest margin | 3.4793% | 3,585 |
| Noninterest income to average assets | 0.1191% | 5,947 |
| Noninterest expense to average assets | 1.8423% | 5,794 |
| Loan and lease loss provision to assets | 0.0469% | 3,183 |
| Net operating income to assets | 1.0442% | 2,162 |
| Return on assets (ROA) | 1.0466% | 2,262 |
| Pretax return on assets | 1.5969% | 1,335 |
| Return on Equity (ROE) | 12.1457% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.9576% | 1,286 |
| Net charge-offs to loans | 0.1188% | 1,818 |
| Credit loss provision to net charge-offs | 70.2703% | 2,462 |
| Earnings coverage of net charge-offs (x) | 24.5676% | 1,557 |
| Efficiency ratio | 52.9016% | 5,656 |
| Assets per employee ($millions) | 6.8301% | 898 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 58.3673% | 4,059 |
| Net loans and leases to deposits | 66.1876% | 4,323 |
| Net loans and leases to core deposits | 67.1259% | 4,561 |
| Total domestic deposits to total assets | 88.1847% | 1,557 |
| Equity capital to assets | 8.9219% | 5,316 |
| Core capital (leverage) ratio | 8.3956% | 5,643 |
| Tier 1 risk-based capital ratio | 12.2044% | 4,998 |
| Total risk-based capital ratio | 12.9944% | 5,225 |
| Memoranda: | ||
| Average total assets | $110,837,670 | 4,326 |
| Average earning assets | $107,148,000 | 4,201 |
| Average equity | $9,550,670 | 4,832 |
| Average total loans | $62,307,000 | 4,395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,897 |
| Cost of funding earning assets | 0.2113% | 5,404 |
| Net interest margin | 3.3135% | 4,157 |
| Noninterest income to average assets | 0.1039% | 6,064 |
| Noninterest expense to average assets | 1.9173% | 5,729 |
| Loan and lease loss provision to assets | 0.0932% | 2,134 |
| Net operating income to assets | 0.8314% | 3,104 |
| Return on assets (ROA) | 0.8314% | 3,233 |
| Pretax return on assets | 1.2973% | 2,302 |
| Return on Equity (ROE) | 9.8191% | 2,085 |
| Retained earnings to average equity (ytd only) | 5.5867% | 2,732 |
| Net charge-offs to loans | 0.2546% | 945 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 9.9487% | 1,970 |
| Efficiency ratio | 57.9632% | 5,341 |
| Assets per employee ($millions) | 6.9453% | 875 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 5,201 |
| Loan loss allowance to noncurrent loans | 228.4047% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 5,008 |
| Noncurrent loans to loans | 0.4212% | 4,330 |
| Net loans and leases to total assets | 54.3816% | 4,394 |
| Net loans and leases to deposits | 59.8801% | 4,756 |
| Net loans and leases to core deposits | 60.6889% | 4,939 |
| Total domestic deposits to total assets | 90.8175% | 431 |
| Equity capital to assets | 8.5904% | 5,671 |
| Core capital (leverage) ratio | 8.1187% | 5,871 |
| Tier 1 risk-based capital ratio | 12.5869% | 4,845 |
| Total risk-based capital ratio | 13.4219% | 5,039 |
| Memoranda: | ||
| Average total assets | $111,615,500 | 4,337 |
| Average earning assets | $107,922,000 | 4,217 |
| Average equity | $9,451,000 | 4,885 |
| Average total loans | $61,273,500 | 4,462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 5,147 |
| Cost of funding earning assets | 0.2326% | 5,499 |
| Net interest margin | 3.3432% | 4,426 |
| Noninterest income to average assets | 0.1357% | 6,014 |
| Noninterest expense to average assets | 1.9376% | 5,884 |
| Loan and lease loss provision to assets | 0.1282% | 2,045 |
| Net operating income to assets | 0.8992% | 2,873 |
| Return on assets (ROA) | 0.9697% | 2,617 |
| Pretax return on assets | 1.3948% | 1,904 |
| Return on Equity (ROE) | 11.4634% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.6147% | 2,187 |
| Net charge-offs to loans | -0.0051% | 5,466 |
| Credit loss provision to net charge-offs | -4,533.3333% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6718% | 5,497 |
| Assets per employee ($millions) | 7.4738% | 668 |
| Cash dividends to net income (ytd only)* | 51.0204% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 5,173 |
| Loan loss allowance to noncurrent loans | 232.5581% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 5,101 |
| Noncurrent loans to loans | 0.4193% | 4,384 |
| Net loans and leases to total assets | 54.3490% | 4,538 |
| Net loans and leases to deposits | 59.7109% | 4,928 |
| Net loans and leases to core deposits | 60.5085% | 5,099 |
| Total domestic deposits to total assets | 91.0202% | 358 |
| Equity capital to assets | 8.3456% | 5,866 |
| Core capital (leverage) ratio | 8.1838% | 5,865 |
| Tier 1 risk-based capital ratio | 12.6342% | 4,954 |
| Total risk-based capital ratio | 13.5141% | 5,098 |
| Memoranda: | ||
| Average total assets | $106,110,400 | 4,452 |
| Average earning assets | $102,328,400 | 4,342 |
| Average equity | $8,976,400 | 4,982 |
| Average total loans | $59,265,400 | 4,511 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 5,153 |
| Cost of funding earning assets | 0.2353% | 5,552 |
| Net interest margin | 3.3596% | 4,392 |
| Noninterest income to average assets | 0.1427% | 6,064 |
| Noninterest expense to average assets | 1.7461% | 6,160 |
| Loan and lease loss provision to assets | 0.0191% | 4,025 |
| Net operating income to assets | 1.0546% | 2,217 |
| Return on assets (ROA) | 1.1433% | 1,950 |
| Pretax return on assets | 1.7525% | 974 |
| Return on Equity (ROE) | 13.4659% | 1,101 |
| Retained earnings to average equity (ytd only) | 8.5870% | 1,130 |
| Net charge-offs to loans | -0.0114% | 5,456 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6397% | 6,017 |
| Assets per employee ($millions) | 6.5936% | 970 |
| Cash dividends to net income (ytd only)* | 36.2317% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 5,973 |
| Loan loss allowance to noncurrent loans | 86.8231% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 4,302 |
| Noncurrent loans to loans | 0.8711% | 3,387 |
| Net loans and leases to total assets | 59.8248% | 3,818 |
| Net loans and leases to deposits | 69.7115% | 3,952 |
| Net loans and leases to core deposits | 70.7635% | 4,264 |
| Total domestic deposits to total assets | 85.8177% | 2,947 |
| Equity capital to assets | 8.9386% | 5,420 |
| Core capital (leverage) ratio | 8.2294% | 5,902 |
| Tier 1 risk-based capital ratio | 12.4284% | 5,209 |
| Total risk-based capital ratio | 13.1175% | 5,497 |
| Memoranda: | ||
| Average total assets | $104,611,250 | 4,531 |
| Average earning assets | $100,844,000 | 4,416 |
| Average equity | $8,881,500 | 5,041 |
| Average total loans | $58,699,500 | 4,565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 5,483 |
| Cost of funding earning assets | 0.2326% | 5,645 |
| Net interest margin | 3.2346% | 4,827 |
| Noninterest income to average assets | 0.1342% | 6,149 |
| Noninterest expense to average assets | 1.7140% | 6,252 |
| Loan and lease loss provision to assets | 0.0288% | 3,700 |
| Net operating income to assets | 0.9989% | 2,327 |
| Return on assets (ROA) | 0.9989% | 2,398 |
| Pretax return on assets | 1.5108% | 1,503 |
| Return on Equity (ROE) | 11.9788% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.8056% | 1,867 |
| Net charge-offs to loans | -0.0105% | 5,336 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6812% | 6,018 |
| Assets per employee ($millions) | 7.0161% | 795 |
| Cash dividends to net income (ytd only)* | 43.1862% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 5,968 |
| Loan loss allowance to noncurrent loans | 83.4495% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 4,355 |
| Noncurrent loans to loans | 0.9628% | 3,316 |
| Net loans and leases to total assets | 56.1948% | 4,259 |
| Net loans and leases to deposits | 64.6777% | 4,422 |
| Net loans and leases to core deposits | 65.3661% | 4,698 |
| Total domestic deposits to total assets | 86.8844% | 2,525 |
| Equity capital to assets | 8.4368% | 5,852 |
| Core capital (leverage) ratio | 7.7678% | 6,224 |
| Tier 1 risk-based capital ratio | 11.4421% | 5,832 |
| Total risk-based capital ratio | 12.1250% | 6,048 |
| Memoranda: | ||
| Average total assets | $104,315,670 | 4,573 |
| Average earning assets | $100,600,330 | 4,454 |
| Average equity | $8,698,670 | 5,108 |
| Average total loans | $57,067,670 | 4,653 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3466% | 5,757 |
| Cost of funding earning assets | 0.2356% | 5,703 |
| Net interest margin | 3.1110% | 5,212 |
| Noninterest income to average assets | 0.1233% | 6,229 |
| Noninterest expense to average assets | 1.7794% | 6,247 |
| Loan and lease loss provision to assets | 0.0578% | 2,961 |
| Net operating income to assets | 0.8782% | 2,757 |
| Return on assets (ROA) | 0.8782% | 2,822 |
| Pretax return on assets | 1.2864% | 2,145 |
| Return on Equity (ROE) | 10.5942% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.1093% | 1,974 |
| Net charge-offs to loans | -0.0143% | 5,189 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9667% | 5,757 |
| Assets per employee ($millions) | 7.1126% | 762 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 5,958 |
| Loan loss allowance to noncurrent loans | 79.9331% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 4,464 |
| Noncurrent loans to loans | 1.0831% | 3,254 |
| Net loans and leases to total assets | 51.3005% | 4,753 |
| Net loans and leases to deposits | 56.2161% | 5,097 |
| Net loans and leases to core deposits | 56.7765% | 5,296 |
| Total domestic deposits to total assets | 91.2559% | 465 |
| Equity capital to assets | 8.1358% | 5,952 |
| Core capital (leverage) ratio | 7.5134% | 6,333 |
| Tier 1 risk-based capital ratio | 11.9813% | 5,660 |
| Total risk-based capital ratio | 12.7087% | 5,890 |
| Memoranda: | ||
| Average total assets | $103,853,000 | 4,633 |
| Average earning assets | $100,161,000 | 4,503 |
| Average equity | $8,608,500 | 5,150 |
| Average total loans | $55,792,000 | 4,732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 5,104 |
| Cost of funding earning assets | 0.2602% | 5,909 |
| Net interest margin | 3.4487% | 4,102 |
| Noninterest income to average assets | 0.1655% | 6,101 |
| Noninterest expense to average assets | 1.9867% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9827% | 2,404 |
| Return on assets (ROA) | 0.9827% | 2,477 |
| Pretax return on assets | 1.4882% | 1,481 |
| Return on Equity (ROE) | 11.7661% | 1,498 |
| Retained earnings to average equity (ytd only) | 9.3351% | 699 |
| Net charge-offs to loans | -0.0421% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1721% | 5,833 |
| Assets per employee ($millions) | 6.7345% | 880 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 6,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.3501% | 4,407 |
| Net loans and leases to deposits | 61.0984% | 4,819 |
| Net loans and leases to core deposits | 61.7468% | 5,086 |
| Total domestic deposits to total assets | 90.5917% | 755 |
| Equity capital to assets | 8.4511% | 5,636 |
| Core capital (leverage) ratio | 7.7596% | 6,270 |
| Tier 1 risk-based capital ratio | 11.4366% | 5,938 |
| Total risk-based capital ratio | 12.1203% | 6,180 |
| Memoranda: | ||
| Average total assets | $98,505,400 | 4,779 |
| Average earning assets | $94,527,800 | 4,668 |
| Average equity | $8,227,000 | 5,283 |
| Average total loans | $52,231,400 | 4,878 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 5,133 |
| Cost of funding earning assets | 0.2657% | 5,989 |
| Net interest margin | 3.4456% | 4,101 |
| Noninterest income to average assets | 0.1744% | 6,144 |
| Noninterest expense to average assets | 1.7750% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1143% | 1,956 |
| Return on assets (ROA) | 1.1143% | 2,024 |
| Pretax return on assets | 1.7028% | 1,092 |
| Return on Equity (ROE) | 13.3829% | 1,143 |
| Retained earnings to average equity (ytd only) | 11.7469% | 461 |
| Net charge-offs to loans | -0.0547% | 6,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0380% | 6,327 |
| Assets per employee ($millions) | 6.4896% | 939 |
| Cash dividends to net income (ytd only)* | 12.2249% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 6,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.9346% | 4,330 |
| Net loans and leases to deposits | 61.8914% | 4,776 |
| Net loans and leases to core deposits | 62.5750% | 5,056 |
| Total domestic deposits to total assets | 90.3754% | 805 |
| Equity capital to assets | 8.7309% | 5,484 |
| Core capital (leverage) ratio | 7.9985% | 6,226 |
| Tier 1 risk-based capital ratio | 11.2858% | 6,157 |
| Total risk-based capital ratio | 11.9642% | 6,358 |
| Memoranda: | ||
| Average total assets | $97,877,500 | 4,836 |
| Average earning assets | $93,836,000 | 4,731 |
| Average equity | $8,149,500 | 5,349 |
| Average total loans | $51,195,750 | 4,965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 5,372 |
| Cost of funding earning assets | 0.2678% | 6,055 |
| Net interest margin | 3.3517% | 4,372 |
| Noninterest income to average assets | 0.1632% | 6,239 |
| Noninterest expense to average assets | 1.7460% | 6,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0831% | 1,979 |
| Return on assets (ROA) | 1.0831% | 2,097 |
| Pretax return on assets | 1.6338% | 1,267 |
| Return on Equity (ROE) | 13.2205% | 1,187 |
| Retained earnings to average equity (ytd only) | 10.7307% | 699 |
| Net charge-offs to loans | -0.0761% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6596% | 6,303 |
| Assets per employee ($millions) | 6.3998% | 960 |
| Cash dividends to net income (ytd only)* | 18.8324% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 54.6757% | 4,499 |
| Net loans and leases to deposits | 60.3604% | 4,935 |
| Net loans and leases to core deposits | 61.0349% | 5,172 |
| Total domestic deposits to total assets | 90.5820% | 714 |
| Equity capital to assets | 8.5524% | 5,717 |
| Core capital (leverage) ratio | 7.7814% | 6,318 |
| Tier 1 risk-based capital ratio | 11.1325% | 6,277 |
| Total risk-based capital ratio | 11.8255% | 6,456 |
| Memoranda: | ||
| Average total assets | $98,055,330 | 4,862 |
| Average earning assets | $94,100,330 | 4,754 |
| Average equity | $8,033,000 | 5,420 |
| Average total loans | $49,958,000 | 5,025 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 5,566 |
| Cost of funding earning assets | 0.2691% | 6,167 |
| Net interest margin | 3.2884% | 4,560 |
| Noninterest income to average assets | 0.1413% | 6,398 |
| Noninterest expense to average assets | 1.7520% | 6,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0254% | 2,125 |
| Return on assets (ROA) | 1.0254% | 2,239 |
| Pretax return on assets | 1.5462% | 1,436 |
| Return on Equity (ROE) | 12.7887% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.7538% | 1,840 |
| Net charge-offs to loans | -0.0165% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1212% | 6,292 |
| Assets per employee ($millions) | 6.3190% | 1,064 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 6,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.2928% | 4,947 |
| Net loans and leases to deposits | 55.4922% | 5,295 |
| Net loans and leases to core deposits | 56.1200% | 5,509 |
| Total domestic deposits to total assets | 90.6304% | 703 |
| Equity capital to assets | 8.4518% | 6,061 |
| Core capital (leverage) ratio | 7.5449% | 6,452 |
| Tier 1 risk-based capital ratio | 11.1909% | 6,319 |
| Total risk-based capital ratio | 11.8888% | 6,509 |
| Memoranda: | ||
| Average total assets | $99,084,500 | 4,884 |
| Average earning assets | $95,123,500 | 4,763 |
| Average equity | $7,944,500 | 5,500 |
| Average total loans | $48,464,500 | 5,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 5,136 |
| Cost of funding earning assets | 0.3656% | 6,128 |
| Net interest margin | 3.6872% | 3,699 |
| Noninterest income to average assets | 0.1747% | 6,153 |
| Noninterest expense to average assets | 2.1808% | 5,962 |
| Loan and lease loss provision to assets | 0.0343% | 5,457 |
| Net operating income to assets | 0.9644% | 2,482 |
| Return on assets (ROA) | 0.9942% | 2,584 |
| Pretax return on assets | 1.4377% | 1,909 |
| Return on Equity (ROE) | 12.0075% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.3362% | 738 |
| Net charge-offs to loans | 0.0615% | 5,083 |
| Credit loss provision to net charge-offs | 110.7143% | 2,639 |
| Earnings coverage of net charge-offs (x) | 46.1429% | 712 |
| Efficiency ratio | 60.4167% | 5,483 |
| Assets per employee ($millions) | 6.8923% | 809 |
| Cash dividends to net income (ytd only)* | 22.2469% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.7954% | 5,537 |
| Net loans and leases to deposits | 51.2093% | 5,872 |
| Net loans and leases to core deposits | 51.8748% | 6,022 |
| Total domestic deposits to total assets | 91.3807% | 373 |
| Equity capital to assets | 7.6201% | 6,586 |
| Core capital (leverage) ratio | 7.7271% | 6,390 |
| Tier 1 risk-based capital ratio | 10.7533% | 6,450 |
| Total risk-based capital ratio | 11.4366% | 6,617 |
| Memoranda: | ||
| Average total assets | $90,424,000 | 5,073 |
| Average earning assets | $84,238,200 | 5,007 |
| Average equity | $7,487,000 | 5,644 |
| Average total loans | $45,495,200 | 5,269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 4,754 |
| Cost of funding earning assets | 0.3959% | 6,142 |
| Net interest margin | 3.8219% | 3,240 |
| Noninterest income to average assets | 0.1774% | 6,247 |
| Noninterest expense to average assets | 1.9942% | 6,356 |
| Loan and lease loss provision to assets | 0.0153% | 5,619 |
| Net operating income to assets | 1.0874% | 2,138 |
| Return on assets (ROA) | 1.1256% | 2,200 |
| Pretax return on assets | 1.7556% | 1,151 |
| Return on Equity (ROE) | 13.2802% | 1,275 |
| Retained earnings to average equity (ytd only) | 11.4759% | 618 |
| Net charge-offs to loans | 0.0239% | 5,333 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 139.8276% | 319 |
| Efficiency ratio | 53.8176% | 6,271 |
| Assets per employee ($millions) | 5.7063% | 1,452 |
| Cash dividends to net income (ytd only)* | 13.5869% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 6,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.2719% | 4,715 |
| Net loans and leases to deposits | 60.3918% | 5,159 |
| Net loans and leases to core deposits | 61.3586% | 5,419 |
| Total domestic deposits to total assets | 89.8662% | 917 |
| Equity capital to assets | 9.0426% | 5,788 |
| Core capital (leverage) ratio | 7.9051% | 6,397 |
| Tier 1 risk-based capital ratio | 10.8411% | 6,547 |
| Total risk-based capital ratio | 11.5460% | 6,706 |
| Memoranda: | ||
| Average total assets | $87,184,000 | 5,204 |
| Average earning assets | $80,482,250 | 5,163 |
| Average equity | $7,389,250 | 5,725 |
| Average total loans | $44,664,500 | 5,364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 5,114 |
| Cost of funding earning assets | 0.4145% | 6,194 |
| Net interest margin | 3.7401% | 3,639 |
| Noninterest income to average assets | 0.1596% | 6,392 |
| Noninterest expense to average assets | 2.0065% | 6,416 |
| Loan and lease loss provision to assets | 0.0228% | 5,381 |
| Net operating income to assets | 1.0030% | 2,453 |
| Return on assets (ROA) | 1.0238% | 2,591 |
| Pretax return on assets | 1.5779% | 1,616 |
| Return on Equity (ROE) | 12.3482% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.5980% | 1,081 |
| Net charge-offs to loans | 0.0364% | 4,871 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 478 |
| Efficiency ratio | 56.1224% | 6,101 |
| Assets per employee ($millions) | 5.7323% | 1,419 |
| Cash dividends to net income (ytd only)* | 22.2717% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.5931% | 4,863 |
| Net loans and leases to deposits | 59.2397% | 5,311 |
| Net loans and leases to core deposits | 60.1766% | 5,568 |
| Total domestic deposits to total assets | 90.4681% | 686 |
| Equity capital to assets | 8.6376% | 6,086 |
| Core capital (leverage) ratio | 7.5151% | 6,620 |
| Tier 1 risk-based capital ratio | 10.6657% | 6,629 |
| Total risk-based capital ratio | 11.3910% | 6,774 |
| Memoranda: | ||
| Average total assets | $87,713,670 | 5,233 |
| Average earning assets | $80,105,330 | 5,201 |
| Average equity | $7,272,330 | 5,766 |
| Average total loans | $43,922,000 | 5,432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 5,399 |
| Cost of funding earning assets | 0.4443% | 6,182 |
| Net interest margin | 3.6701% | 3,961 |
| Noninterest income to average assets | 0.1400% | 6,542 |
| Noninterest expense to average assets | 2.0140% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9257% | 2,808 |
| Return on assets (ROA) | 0.9257% | 3,014 |
| Pretax return on assets | 1.4089% | 2,173 |
| Return on Equity (ROE) | 11.3968% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.8374% | 3,053 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8391% | 5,793 |
| Assets per employee ($millions) | 6.2817% | 1,100 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 6,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.6883% | 5,933 |
| Net loans and leases to deposits | 48.8214% | 6,242 |
| Net loans and leases to core deposits | 49.9028% | 6,350 |
| Total domestic deposits to total assets | 91.5342% | 366 |
| Equity capital to assets | 7.6858% | 6,700 |
| Core capital (leverage) ratio | 6.9019% | 6,878 |
| Tier 1 risk-based capital ratio | 10.6518% | 6,696 |
| Total risk-based capital ratio | 11.4021% | 6,837 |
| Memoranda: | ||
| Average total assets | $88,578,000 | 5,255 |
| Average earning assets | $79,234,500 | 5,264 |
| Average equity | $7,195,000 | 5,811 |
| Average total loans | $42,623,000 | 5,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 3,655 |
| Cost of funding earning assets | 0.5589% | 6,294 |
| Net interest margin | 4.2744% | 1,789 |
| Noninterest income to average assets | 0.1794% | 6,209 |
| Noninterest expense to average assets | 2.8813% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8558% | 2,790 |
| Return on assets (ROA) | 0.8815% | 2,815 |
| Pretax return on assets | 1.2647% | 2,253 |
| Return on Equity (ROE) | 10.3362% | 1,941 |
| Retained earnings to average equity (ytd only) | 2.1653% | 4,676 |
| Net charge-offs to loans | -0.0033% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1145% | 3,926 |
| Assets per employee ($millions) | 5.5287% | 1,610 |
| Cash dividends to net income (ytd only)* | 79.0514% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.9659% | 5,468 |
| Net loans and leases to deposits | 56.3104% | 5,866 |
| Net loans and leases to core deposits | 57.5510% | 6,038 |
| Total domestic deposits to total assets | 90.5089% | 719 |
| Equity capital to assets | 8.6193% | 5,992 |
| Core capital (leverage) ratio | 7.9904% | 6,287 |
| Tier 1 risk-based capital ratio | 11.0286% | 6,441 |
| Total risk-based capital ratio | 11.8200% | 6,634 |
| Memoranda: | ||
| Average total assets | $57,405,400 | 6,129 |
| Average earning assets | $52,779,400 | 6,089 |
| Average equity | $4,895,400 | 6,481 |
| Average total loans | $30,089,600 | 6,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 2,921 |
| Cost of funding earning assets | 0.5761% | 6,398 |
| Net interest margin | 4.4566% | 1,254 |
| Noninterest income to average assets | 0.1725% | 6,352 |
| Noninterest expense to average assets | 2.3857% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3131% | 1,342 |
| Return on assets (ROA) | 1.3510% | 1,347 |
| Pretax return on assets | 1.9650% | 670 |
| Return on Equity (ROE) | 15.9114% | 697 |
| Retained earnings to average equity (ytd only) | 6.6785% | 2,145 |
| Net charge-offs to loans | -0.0049% | 6,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5353% | 6,337 |
| Assets per employee ($millions) | 4.7495% | 2,559 |
| Cash dividends to net income (ytd only)* | 58.0268% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 3,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 53.4310% | 5,257 |
| Net loans and leases to deposits | 62.4273% | 5,353 |
| Net loans and leases to core deposits | 64.3262% | 5,583 |
| Total domestic deposits to total assets | 85.5891% | 3,448 |
| Equity capital to assets | 8.4525% | 6,348 |
| Core capital (leverage) ratio | 7.8667% | 6,516 |
| Tier 1 risk-based capital ratio | 10.8259% | 6,648 |
| Total risk-based capital ratio | 11.9893% | 6,673 |
| Memoranda: | ||
| Average total assets | $51,024,250 | 6,391 |
| Average earning assets | $47,209,250 | 6,331 |
| Average equity | $4,332,250 | 6,697 |
| Average total loans | $26,936,500 | 6,357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 3,491 |
| Cost of funding earning assets | 0.5742% | 6,566 |
| Net interest margin | 4.3551% | 1,501 |
| Noninterest income to average assets | 0.1580% | 6,528 |
| Noninterest expense to average assets | 2.2996% | 6,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3039% | 1,306 |
| Return on assets (ROA) | 1.3039% | 1,386 |
| Pretax return on assets | 1.9045% | 705 |
| Return on Equity (ROE) | 15.3334% | 741 |
| Retained earnings to average equity (ytd only) | 6.0404% | 2,407 |
| Net charge-offs to loans | -0.0076% | 6,637 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6992% | 6,544 |
| Assets per employee ($millions) | 4.6929% | 2,553 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 3,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 53.2428% | 5,393 |
| Net loans and leases to deposits | 61.6145% | 5,547 |
| Net loans and leases to core deposits | 62.9120% | 5,818 |
| Total domestic deposits to total assets | 86.4128% | 3,091 |
| Equity capital to assets | 8.5119% | 6,164 |
| Core capital (leverage) ratio | 7.8085% | 6,502 |
| Tier 1 risk-based capital ratio | 10.5740% | 6,762 |
| Total risk-based capital ratio | 11.7353% | 6,794 |
| Memoranda: | ||
| Average total assets | $50,617,330 | 6,465 |
| Average earning assets | $47,025,000 | 6,402 |
| Average equity | $4,304,330 | 6,744 |
| Average total loans | $26,465,000 | 6,456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 3,906 |
| Cost of funding earning assets | 0.5749% | 6,712 |
| Net interest margin | 4.2563% | 1,716 |
| Noninterest income to average assets | 0.1357% | 6,739 |
| Noninterest expense to average assets | 2.3945% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1494% | 1,671 |
| Return on assets (ROA) | 1.1494% | 1,719 |
| Pretax return on assets | 1.7001% | 981 |
| Return on Equity (ROE) | 13.5227% | 1,083 |
| Retained earnings to average equity (ytd only) | 4.1319% | 3,687 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4795% | 6,207 |
| Assets per employee ($millions) | 4.6853% | 2,597 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,408 |
| Loan loss allowance to noncurrent loans | 43,500.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,213 |
| Noncurrent loans to loans | 0.0039% | 7,082 |
| Net loans and leases to total assets | 49.3713% | 5,924 |
| Net loans and leases to deposits | 54.5772% | 6,247 |
| Net loans and leases to core deposits | 55.3188% | 6,464 |
| Total domestic deposits to total assets | 90.4614% | 862 |
| Equity capital to assets | 8.2949% | 6,168 |
| Core capital (leverage) ratio | 7.5784% | 6,675 |
| Tier 1 risk-based capital ratio | 10.2362% | 6,916 |
| Total risk-based capital ratio | 11.3829% | 6,960 |
| Memoranda: | ||
| Average total assets | $50,115,000 | 6,529 |
| Average earning assets | $46,613,500 | 6,472 |
| Average equity | $4,259,500 | 6,789 |
| Average total loans | $25,737,000 | 6,545 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 4,493 |
| Cost of funding earning assets | 0.7268% | 6,799 |
| Net interest margin | 4.2864% | 1,874 |
| Noninterest income to average assets | 0.1936% | 6,387 |
| Noninterest expense to average assets | 2.6515% | 5,207 |
| Loan and lease loss provision to assets | 0.1305% | 5,864 |
| Net operating income to assets | 0.9709% | 2,130 |
| Return on assets (ROA) | 1.0049% | 2,127 |
| Pretax return on assets | 1.4769% | 1,433 |
| Return on Equity (ROE) | 10.8192% | 1,638 |
| Retained earnings to average equity (ytd only) | 1.4519% | 4,805 |
| Net charge-offs to loans | 0.1573% | 5,408 |
| Credit loss provision to net charge-offs | 166.6667% | 2,042 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,039 |
| Efficiency ratio | 62.9974% | 5,513 |
| Assets per employee ($millions) | 4.4265% | 2,981 |
| Cash dividends to net income (ytd only)* | 86.5801% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 3,218 |
| Loan loss allowance to noncurrent loans | 43,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,273 |
| Noncurrent loans to loans | 0.0039% | 7,160 |
| Net loans and leases to total assets | 51.6697% | 5,964 |
| Net loans and leases to deposits | 60.3232% | 6,021 |
| Net loans and leases to core deposits | 61.2409% | 6,297 |
| Total domestic deposits to total assets | 85.6547% | 3,525 |
| Equity capital to assets | 8.7160% | 5,561 |
| Core capital (leverage) ratio | 7.9980% | 6,206 |
| Tier 1 risk-based capital ratio | 11.2792% | 6,109 |
| Total risk-based capital ratio | 12.5334% | 6,089 |
| Memoranda: | ||
| Average total assets | $45,974,800 | 6,664 |
| Average earning assets | $43,066,200 | 6,615 |
| Average equity | $4,270,200 | 6,896 |
| Average total loans | $22,879,200 | 6,784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 4,653 |
| Cost of funding earning assets | 0.7577% | 6,893 |
| Net interest margin | 4.2771% | 1,927 |
| Noninterest income to average assets | 0.2090% | 6,412 |
| Noninterest expense to average assets | 2.5226% | 5,628 |
| Loan and lease loss provision to assets | 0.1766% | 5,271 |
| Net operating income to assets | 1.0822% | 1,957 |
| Return on assets (ROA) | 1.1303% | 1,908 |
| Pretax return on assets | 1.5983% | 1,347 |
| Return on Equity (ROE) | 11.9715% | 1,512 |
| Retained earnings to average equity (ytd only) | 2.6188% | 4,583 |
| Net charge-offs to loans | 0.0060% | 6,582 |
| Credit loss provision to net charge-offs | 6,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 581.4361% | 49 |
| Efficiency ratio | 59.6381% | 6,006 |
| Assets per employee ($millions) | 4.0685% | 3,699 |
| Cash dividends to net income (ytd only)* | 78.1246% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,185 |
| Loan loss allowance to noncurrent loans | 839.2857% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 7,042 |
| Noncurrent loans to loans | 0.2397% | 6,695 |
| Net loans and leases to total assets | 51.1507% | 6,204 |
| Net loans and leases to deposits | 57.5610% | 6,500 |
| Net loans and leases to core deposits | 57.5610% | 6,758 |
| Total domestic deposits to total assets | 88.8636% | 1,469 |
| Equity capital to assets | 9.7153% | 4,524 |
| Core capital (leverage) ratio | 8.5943% | 5,355 |
| Tier 1 risk-based capital ratio | 12.2556% | 5,214 |
| Total risk-based capital ratio | 13.5094% | 5,185 |
| Memoranda: | ||
| Average total assets | $45,295,500 | 6,771 |
| Average earning assets | $42,582,000 | 6,710 |
| Average equity | $4,276,750 | 6,987 |
| Average total loans | $22,200,500 | 6,901 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 5,099 |
| Cost of funding earning assets | 0.7850% | 6,965 |
| Net interest margin | 4.1820% | 2,213 |
| Noninterest income to average assets | 0.2023% | 6,460 |
| Noninterest expense to average assets | 2.5244% | 5,631 |
| Loan and lease loss provision to assets | 0.2639% | 4,288 |
| Net operating income to assets | 0.9407% | 2,401 |
| Return on assets (ROA) | 1.0115% | 2,223 |
| Pretax return on assets | 1.4513% | 1,692 |
| Return on Equity (ROE) | 10.8159% | 1,807 |
| Retained earnings to average equity (ytd only) | 1.4108% | 5,172 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9989% | 5,857 |
| Assets per employee ($millions) | 4.1015% | 3,577 |
| Cash dividends to net income (ytd only)* | 86.9565% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0732% | 2,027 |
| Loan loss allowance to noncurrent loans | 672.8571% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 6,940 |
| Noncurrent loans to loans | 0.3081% | 6,609 |
| Net loans and leases to total assets | 49.3118% | 6,514 |
| Net loans and leases to deposits | 55.2498% | 6,781 |
| Net loans and leases to core deposits | 55.2498% | 6,979 |
| Total domestic deposits to total assets | 89.2524% | 1,305 |
| Equity capital to assets | 9.4598% | 4,768 |
| Core capital (leverage) ratio | 8.3843% | 5,604 |
| Tier 1 risk-based capital ratio | 12.2463% | 5,079 |
| Total risk-based capital ratio | 13.5006% | 5,052 |
| Memoranda: | ||
| Average total assets | $45,476,000 | 6,809 |
| Average earning assets | $42,802,000 | 6,748 |
| Average equity | $4,253,000 | 7,028 |
| Average total loans | $21,813,330 | 6,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 5,167 |
| Cost of funding earning assets | 0.7999% | 7,089 |
| Net interest margin | 4.1671% | 2,164 |
| Noninterest income to average assets | 0.1927% | 6,586 |
| Noninterest expense to average assets | 2.5320% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0565% | 1,982 |
| Return on assets (ROA) | 1.1915% | 1,636 |
| Pretax return on assets | 1.7873% | 898 |
| Return on Equity (ROE) | 12.8136% | 1,290 |
| Retained earnings to average equity (ytd only) | 3.3918% | 4,123 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4894% | 5,911 |
| Assets per employee ($millions) | 4.2787% | 3,326 |
| Cash dividends to net income (ytd only)* | 73.5294% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.4546% | 6,959 |
| Net loans and leases to deposits | 49.6147% | 7,145 |
| Net loans and leases to core deposits | 49.6147% | 7,295 |
| Total domestic deposits to total assets | 89.5997% | 1,182 |
| Equity capital to assets | 9.0511% | 5,207 |
| Core capital (leverage) ratio | 8.2584% | 5,817 |
| Tier 1 risk-based capital ratio | 11.7933% | 5,404 |
| Total risk-based capital ratio | 13.0428% | 5,345 |
| Memoranda: | ||
| Average total assets | $45,655,500 | 6,888 |
| Average earning assets | $43,004,000 | 6,822 |
| Average equity | $4,245,500 | 7,101 |
| Average total loans | $21,360,500 | 7,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 5,465 |
| Cost of funding earning assets | 0.9149% | 7,373 |
| Net interest margin | 4.3246% | 1,647 |
| Noninterest income to average assets | 0.2127% | 6,583 |
| Noninterest expense to average assets | 2.8657% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1030% | 1,503 |
| Return on assets (ROA) | 1.1197% | 1,501 |
| Pretax return on assets | 1.4118% | 1,401 |
| Return on Equity (ROE) | 12.0086% | 1,162 |
| Retained earnings to average equity (ytd only) | 1.9805% | 3,713 |
| Net charge-offs to loans | -0.2204% | 7,915 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3256% | 5,128 |
| Assets per employee ($millions) | 4.0223% | 3,776 |
| Cash dividends to net income (ytd only)* | 83.5073% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9217% | 2,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.4087% | 6,861 |
| Net loans and leases to deposits | 54.1107% | 7,042 |
| Net loans and leases to core deposits | 59.2308% | 7,292 |
| Total domestic deposits to total assets | 87.6144% | 2,164 |
| Equity capital to assets | 9.5627% | 4,335 |
| Core capital (leverage) ratio | 8.5944% | 5,106 |
| Tier 1 risk-based capital ratio | 12.0993% | 4,850 |
| Total risk-based capital ratio | 13.3515% | 4,818 |
| Memoranda: | ||
| Average total assets | $42,781,200 | 6,999 |
| Average earning assets | $40,003,400 | 6,940 |
| Average equity | $3,988,800 | 7,299 |
| Average total loans | $19,060,400 | 7,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 5,840 |
| Cost of funding earning assets | 0.9361% | 7,504 |
| Net interest margin | 4.2728% | 1,799 |
| Noninterest income to average assets | 0.2263% | 6,614 |
| Noninterest expense to average assets | 2.6436% | 5,549 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1333% | 1,627 |
| Return on assets (ROA) | 1.1536% | 1,641 |
| Pretax return on assets | 1.6000% | 1,175 |
| Return on Equity (ROE) | 12.4564% | 1,250 |
| Retained earnings to average equity (ytd only) | 2.2740% | 4,061 |
| Net charge-offs to loans | -0.2959% | 7,997 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7144% | 5,978 |
| Assets per employee ($millions) | 4.0165% | 3,697 |
| Cash dividends to net income (ytd only)* | 81.7441% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 44.5644% | 7,206 |
| Net loans and leases to deposits | 54.0832% | 7,213 |
| Net loans and leases to core deposits | 59.3740% | 7,423 |
| Total domestic deposits to total assets | 82.3997% | 4,499 |
| Equity capital to assets | 9.4498% | 4,814 |
| Core capital (leverage) ratio | 8.2962% | 5,844 |
| Tier 1 risk-based capital ratio | 12.3963% | 4,632 |
| Total risk-based capital ratio | 13.6474% | 4,574 |
| Memoranda: | ||
| Average total assets | $42,415,250 | 7,061 |
| Average earning assets | $39,598,000 | 7,012 |
| Average equity | $3,928,250 | 7,384 |
| Average total loans | $18,478,750 | 7,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 6,367 |
| Cost of funding earning assets | 0.9606% | 7,609 |
| Net interest margin | 4.1556% | 2,141 |
| Noninterest income to average assets | 0.2056% | 6,820 |
| Noninterest expense to average assets | 2.5916% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0902% | 1,809 |
| Return on assets (ROA) | 1.0902% | 1,882 |
| Pretax return on assets | 1.4823% | 1,497 |
| Return on Equity (ROE) | 11.8565% | 1,463 |
| Retained earnings to average equity (ytd only) | 1.4561% | 4,519 |
| Net charge-offs to loans | -0.6243% | 8,114 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6150% | 5,980 |
| Assets per employee ($millions) | 4.2044% | 3,294 |
| Cash dividends to net income (ytd only)* | 87.7193% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2548% | 1,157 |
| Loan loss allowance to noncurrent loans | 140.7285% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,778 |
| Noncurrent loans to loans | 1.6022% | 4,096 |
| Net loans and leases to total assets | 39.8374% | 7,558 |
| Net loans and leases to deposits | 44.1050% | 7,698 |
| Net loans and leases to core deposits | 47.7702% | 7,802 |
| Total domestic deposits to total assets | 90.3239% | 697 |
| Equity capital to assets | 8.5798% | 5,927 |
| Core capital (leverage) ratio | 8.9831% | 4,663 |
| Tier 1 risk-based capital ratio | 12.3911% | 4,605 |
| Total risk-based capital ratio | 13.6415% | 4,536 |
| Memoranda: | ||
| Average total assets | $41,826,670 | 7,141 |
| Average earning assets | $38,935,670 | 7,096 |
| Average equity | $3,846,000 | 7,458 |
| Average total loans | $17,938,670 | 7,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 5,473 |
| Cost of funding earning assets | 1.0322% | 7,621 |
| Net interest margin | 4.3593% | 1,443 |
| Noninterest income to average assets | 0.2019% | 6,848 |
| Noninterest expense to average assets | 2.7464% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1006% | 1,961 |
| Return on assets (ROA) | 1.1006% | 2,085 |
| Pretax return on assets | 1.4641% | 1,768 |
| Return on Equity (ROE) | 11.5192% | 1,803 |
| Retained earnings to average equity (ytd only) | 0.9511% | 5,269 |
| Net charge-offs to loans | -0.0686% | 7,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2278% | 5,467 |
| Assets per employee ($millions) | 3.3542% | 5,194 |
| Cash dividends to net income (ytd only)* | 91.7431% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,145 |
| Loan loss allowance to noncurrent loans | 94.4162% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 4,744 |
| Noncurrent loans to loans | 2.2771% | 2,889 |
| Net loans and leases to total assets | 42.0646% | 7,461 |
| Net loans and leases to deposits | 46.9211% | 7,627 |
| Net loans and leases to core deposits | 50.6204% | 7,769 |
| Total domestic deposits to total assets | 89.6497% | 949 |
| Equity capital to assets | 9.4981% | 4,667 |
| Core capital (leverage) ratio | 9.4735% | 4,015 |
| Tier 1 risk-based capital ratio | 13.5129% | 3,853 |
| Total risk-based capital ratio | 14.7632% | 3,781 |
| Memoranda: | ||
| Average total assets | $39,616,000 | 7,268 |
| Average earning assets | $36,427,500 | 7,252 |
| Average equity | $3,785,000 | 7,522 |
| Average total loans | $17,483,500 | 7,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 6,633 |
| Cost of funding earning assets | 1.4250% | 7,716 |
| Net interest margin | 4.3169% | 1,927 |
| Noninterest income to average assets | 0.2692% | 6,527 |
| Noninterest expense to average assets | 2.9104% | 4,413 |
| Loan and lease loss provision to assets | 0.1231% | 5,785 |
| Net operating income to assets | 1.0197% | 2,476 |
| Return on assets (ROA) | 0.8693% | 2,985 |
| Pretax return on assets | 1.0205% | 3,314 |
| Return on Equity (ROE) | 9.2200% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.6654% | 3,520 |
| Net charge-offs to loans | 0.5397% | 2,209 |
| Credit loss provision to net charge-offs | 52.1739% | 6,330 |
| Earnings coverage of net charge-offs (x) | 5.5978% | 3,589 |
| Efficiency ratio | 68.7879% | 4,582 |
| Assets per employee ($millions) | 3.2485% | 5,338 |
| Cash dividends to net income (ytd only)* | 71.0914% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 1,087 |
| Loan loss allowance to noncurrent loans | 92.9471% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 4,282 |
| Noncurrent loans to loans | 2.2475% | 2,448 |
| Net loans and leases to total assets | 44.3666% | 7,451 |
| Net loans and leases to deposits | 50.5052% | 7,605 |
| Net loans and leases to core deposits | 54.3014% | 7,794 |
| Total domestic deposits to total assets | 87.8457% | 1,538 |
| Equity capital to assets | 9.6121% | 4,525 |
| Core capital (leverage) ratio | 9.7611% | 3,698 |
| Tier 1 risk-based capital ratio | 14.9795% | 3,056 |
| Total risk-based capital ratio | 16.2312% | 2,970 |
| Memoranda: | ||
| Average total assets | $38,998,600 | 7,261 |
| Average earning assets | $35,789,800 | 7,249 |
| Average equity | $3,676,800 | 7,619 |
| Average total loans | $17,045,800 | 7,524 |