Home > Bank of the Federated States of Micronesia > Performance and Condition Ratios
Bank of the Federated States of Micronesia, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 2,278 |
| Cost of funding earning assets | 0.2705% | 4,398 |
| Net interest margin | 4.6280% | 510 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.7573% | 1,607 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | 1.7174% | 710 |
| Return on assets (ROA) | 1.7174% | 679 |
| Pretax return on assets | 1.7174% | 1,031 |
| Return on Equity (ROE) | 15.1600% | 1,258 |
| Retained earnings to average equity (ytd only) | 10.5906% | 882 |
| Net charge-offs to loans | 1.6633% | 51 |
| Credit loss provision to net charge-offs | 81.6126% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.5379% | 2,579 |
| Efficiency ratio | 56.8369% | 3,414 |
| Assets per employee ($millions) | 2.0434% | 4,447 |
| Cash dividends to net income (ytd only)* | 30.1189% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 126 |
| Loan loss allowance to noncurrent loans | 151.3817% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 1,047 |
| Noncurrent loans to loans | 1.9168% | 305 |
| Net loans and leases to total assets | 27.0800% | 4,339 |
| Net loans and leases to deposits | 31.1917% | 4,343 |
| Net loans and leases to core deposits | 32.6023% | 4,373 |
| Total domestic deposits to total assets | 86.8200% | 1,743 |
| Equity capital to assets | 12.6259% | 962 |
| Core capital (leverage) ratio | 13.7157% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6054% | 125 |
| Memoranda: | ||
| Average total assets | $220,395,400 | 2,843 |
| Average earning assets | $211,493,800 | 2,795 |
| Average equity | $24,975,000 | 2,521 |
| Average total loans | $61,144,800 | 3,691 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,414 |
| Cost of funding earning assets | 0.2581% | 4,397 |
| Net interest margin | 4.4700% | 649 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.7028% | 1,649 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.5487% | 1,023 |
| Return on assets (ROA) | 1.5487% | 1,017 |
| Pretax return on assets | 1.5951% | 1,367 |
| Return on Equity (ROE) | 14.0600% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.8253% | 2,029 |
| Net charge-offs to loans | 0.9544% | 96 |
| Credit loss provision to net charge-offs | 144.6469% | 1,347 |
| Earnings coverage of net charge-offs (x) | 7.4784% | 2,234 |
| Efficiency ratio | 57.7477% | 3,237 |
| Assets per employee ($millions) | 2.1510% | 4,465 |
| Cash dividends to net income (ytd only)* | 44.3407% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5312% | 77 |
| Loan loss allowance to noncurrent loans | 127.0511% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 736 |
| Noncurrent loans to loans | 2.7794% | 162 |
| Net loans and leases to total assets | 26.3500% | 4,372 |
| Net loans and leases to deposits | 29.8070% | 4,379 |
| Net loans and leases to core deposits | 31.0952% | 4,372 |
| Total domestic deposits to total assets | 88.4000% | 1,445 |
| Equity capital to assets | 11.2041% | 1,276 |
| Core capital (leverage) ratio | 13.0123% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8989% | 125 |
| Memoranda: | ||
| Average total assets | $221,343,500 | 2,853 |
| Average earning assets | $212,282,500 | 2,800 |
| Average equity | $24,381,750 | 2,540 |
| Average total loans | $61,327,750 | 3,697 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 2,489 |
| Cost of funding earning assets | 0.2339% | 4,395 |
| Net interest margin | 4.3335% | 769 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.7025% | 1,637 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.4796% | 1,144 |
| Return on assets (ROA) | 1.4796% | 1,138 |
| Pretax return on assets | 1.5257% | 1,548 |
| Return on Equity (ROE) | 13.5100% | 1,790 |
| Retained earnings to average equity (ytd only) | 4.1016% | 3,194 |
| Net charge-offs to loans | 0.6753% | 126 |
| Credit loss provision to net charge-offs | 177.8846% | 1,096 |
| Earnings coverage of net charge-offs (x) | 9.8942% | 2,012 |
| Efficiency ratio | 59.2314% | 3,052 |
| Assets per employee ($millions) | 2.2230% | 4,494 |
| Cash dividends to net income (ytd only)* | 69.6396% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4044% | 99 |
| Loan loss allowance to noncurrent loans | 166.3766% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 953 |
| Noncurrent loans to loans | 2.0462% | 267 |
| Net loans and leases to total assets | 26.8400% | 4,380 |
| Net loans and leases to deposits | 30.2603% | 4,396 |
| Net loans and leases to core deposits | 31.4051% | 4,390 |
| Total domestic deposits to total assets | 88.7000% | 1,347 |
| Equity capital to assets | 10.9342% | 1,414 |
| Core capital (leverage) ratio | 13.0992% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8816% | 140 |
| Memoranda: | ||
| Average total assets | $221,274,000 | 2,861 |
| Average earning assets | $212,899,000 | 2,806 |
| Average equity | $24,234,667 | 2,557 |
| Average total loans | $61,598,000 | 3,699 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 2,493 |
| Cost of funding earning assets | 0.2243% | 4,337 |
| Net interest margin | 4.1971% | 949 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.6400% | 1,839 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4586% | 1,269 |
| Return on assets (ROA) | 1.4586% | 1,244 |
| Pretax return on assets | 1.5057% | 1,657 |
| Return on Equity (ROE) | 13.3100% | 1,925 |
| Retained earnings to average equity (ytd only) | 13.3066% | 1,043 |
| Net charge-offs to loans | 0.3121% | 254 |
| Credit loss provision to net charge-offs | 281.2500% | 713 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,451 |
| Efficiency ratio | 60.1321% | 2,942 |
| Assets per employee ($millions) | 2.2528% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3306% | 103 |
| Loan loss allowance to noncurrent loans | 226.8456% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,249 |
| Noncurrent loans to loans | 1.4682% | 441 |
| Net loans and leases to total assets | 27.2200% | 4,420 |
| Net loans and leases to deposits | 30.8857% | 4,429 |
| Net loans and leases to core deposits | 32.2615% | 4,418 |
| Total domestic deposits to total assets | 88.1200% | 1,890 |
| Equity capital to assets | 11.5787% | 1,131 |
| Core capital (leverage) ratio | 12.8472% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1009% | 123 |
| Memoranda: | ||
| Average total assets | $220,759,500 | 2,907 |
| Average earning assets | $212,242,000 | 2,845 |
| Average equity | $24,198,500 | 2,589 |
| Average total loans | $61,510,500 | 3,739 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 2,781 |
| Cost of funding earning assets | 0.1452% | 4,149 |
| Net interest margin | 3.4632% | 2,061 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3028% | 2,722 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 1.0657% | 2,318 |
| Return on assets (ROA) | 1.0657% | 2,262 |
| Pretax return on assets | 1.1456% | 2,623 |
| Return on Equity (ROE) | 9.3800% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,965 |
| Net charge-offs to loans | 0.2589% | 306 |
| Credit loss provision to net charge-offs | 361.8421% | 816 |
| Earnings coverage of net charge-offs (x) | 19.7434% | 1,902 |
| Efficiency ratio | 62.1468% | 2,739 |
| Assets per employee ($millions) | 2.5309% | 4,580 |
| Cash dividends to net income (ytd only)* | 44.6491% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1224% | 107 |
| Loan loss allowance to noncurrent loans | 235.7230% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 1,402 |
| Noncurrent loans to loans | 1.3246% | 519 |
| Net loans and leases to total assets | 26.7200% | 4,464 |
| Net loans and leases to deposits | 29.8945% | 4,475 |
| Net loans and leases to core deposits | 31.1106% | 4,471 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 10.3689% | 1,525 |
| Core capital (leverage) ratio | 13.3098% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1002% | 135 |
| Memoranda: | ||
| Average total assets | $213,953,600 | 2,950 |
| Average earning assets | $203,192,600 | 2,910 |
| Average equity | $24,306,000 | 2,617 |
| Average total loans | $58,700,200 | 3,754 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 2,838 |
| Cost of funding earning assets | 0.1227% | 4,102 |
| Net interest margin | 3.3058% | 2,278 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3031% | 2,623 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0028% | 2,475 |
| Return on assets (ROA) | 1.0028% | 2,439 |
| Pretax return on assets | 1.0830% | 2,769 |
| Return on Equity (ROE) | 8.6300% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.0965% | 3,754 |
| Net charge-offs to loans | 0.1406% | 467 |
| Credit loss provision to net charge-offs | 426.2295% | 681 |
| Earnings coverage of net charge-offs (x) | 32.3770% | 1,489 |
| Efficiency ratio | 64.8702% | 2,426 |
| Assets per employee ($millions) | 2.4689% | 4,620 |
| Cash dividends to net income (ytd only)* | 64.1058% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9373% | 141 |
| Loan loss allowance to noncurrent loans | 193.0155% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 1,319 |
| Noncurrent loans to loans | 1.5218% | 458 |
| Net loans and leases to total assets | 26.1800% | 4,504 |
| Net loans and leases to deposits | 29.2357% | 4,510 |
| Net loans and leases to core deposits | 30.4388% | 4,504 |
| Total domestic deposits to total assets | 89.5600% | 1,847 |
| Equity capital to assets | 10.1424% | 1,547 |
| Core capital (leverage) ratio | 12.7875% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8353% | 136 |
| Memoranda: | ||
| Average total assets | $211,129,250 | 2,993 |
| Average earning assets | $199,965,500 | 2,953 |
| Average equity | $24,543,500 | 2,648 |
| Average total loans | $57,842,500 | 3,786 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 2,973 |
| Cost of funding earning assets | 0.0706% | 4,456 |
| Net interest margin | 3.1537% | 2,352 |
| Noninterest income to average assets | 0.4398% | 2,508 |
| Noninterest expense to average assets | 2.2885% | 2,585 |
| Loan and lease loss provision to assets | 0.1921% | 452 |
| Net operating income to assets | 0.8825% | 2,659 |
| Return on assets (ROA) | 0.8825% | 2,632 |
| Pretax return on assets | 0.9613% | 2,866 |
| Return on Equity (ROE) | 7.2660% | 3,229 |
| Retained earnings to average equity (ytd only) | -0.7827% | 4,276 |
| Net charge-offs to loans | 0.0279% | 1,164 |
| Credit loss provision to net charge-offs | 2,500.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 150.1250% | 646 |
| Efficiency ratio | 66.4900% | 2,444 |
| Assets per employee ($millions) | 2.3490% | 4,676 |
| Cash dividends to net income (ytd only)* | 110.7726% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8836% | 160 |
| Loan loss allowance to noncurrent loans | 212.2399% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 1,457 |
| Noncurrent loans to loans | 1.3586% | 569 |
| Net loans and leases to total assets | 27.6235% | 4,524 |
| Net loans and leases to deposits | 31.1508% | 4,521 |
| Net loans and leases to core deposits | 32.4988% | 4,518 |
| Total domestic deposits to total assets | 88.6767% | 2,309 |
| Equity capital to assets | 11.0409% | 1,193 |
| Core capital (leverage) ratio | 13.5067% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7357% | 109 |
| Memoranda: | ||
| Average total assets | $208,262,333 | 3,041 |
| Average earning assets | $198,243,667 | 3,006 |
| Average equity | $25,296,000 | 2,662 |
| Average total loans | $57,365,667 | 3,838 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1201% | 2,915 |
| Cost of funding earning assets | 0.0344% | 4,692 |
| Net interest margin | 3.0857% | 2,220 |
| Noninterest income to average assets | 0.4316% | 2,490 |
| Noninterest expense to average assets | 2.2643% | 2,636 |
| Loan and lease loss provision to assets | 0.1161% | 720 |
| Net operating income to assets | 0.9367% | 2,124 |
| Return on assets (ROA) | 0.9367% | 2,116 |
| Pretax return on assets | 1.0064% | 2,417 |
| Return on Equity (ROE) | 7.3688% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.3688% | 1,776 |
| Net charge-offs to loans | 0.0071% | 1,488 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 580.0000% | 171 |
| Efficiency ratio | 66.8571% | 2,656 |
| Assets per employee ($millions) | 2.1933% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7829% | 199 |
| Loan loss allowance to noncurrent loans | 206.3144% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 1,588 |
| Noncurrent loans to loans | 1.3489% | 646 |
| Net loans and leases to total assets | 27.4184% | 4,522 |
| Net loans and leases to deposits | 31.4056% | 4,515 |
| Net loans and leases to core deposits | 32.8393% | 4,514 |
| Total domestic deposits to total assets | 87.3041% | 2,813 |
| Equity capital to assets | 12.3708% | 840 |
| Core capital (leverage) ratio | 13.1315% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8407% | 106 |
| Memoranda: | ||
| Average total assets | $206,686,500 | 3,061 |
| Average earning assets | $197,945,000 | 3,017 |
| Average equity | $26,273,000 | 2,704 |
| Average total loans | $55,981,500 | 3,864 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9222% | 4,014 |
| Cost of funding earning assets | 0.0333% | 4,747 |
| Net interest margin | 2.8889% | 3,475 |
| Noninterest income to average assets | 0.4261% | 2,918 |
| Noninterest expense to average assets | 2.1580% | 3,208 |
| Loan and lease loss provision to assets | 0.0024% | 3,026 |
| Net operating income to assets | 0.9765% | 2,769 |
| Return on assets (ROA) | 0.9765% | 2,835 |
| Pretax return on assets | 1.0256% | 3,188 |
| Return on Equity (ROE) | 7.4473% | 3,391 |
| Retained earnings to average equity (ytd only) | 3.4629% | 3,430 |
| Net charge-offs to loans | -0.0537% | 4,357 |
| Credit loss provision to net charge-offs | -17.8571% | 3,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7346% | 2,024 |
| Assets per employee ($millions) | 2.3010% | 4,754 |
| Cash dividends to net income (ytd only)* | 53.5010% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 180 |
| Loan loss allowance to noncurrent loans | 203.2982% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,776 |
| Noncurrent loans to loans | 1.3925% | 671 |
| Net loans and leases to total assets | 25.2602% | 4,645 |
| Net loans and leases to deposits | 29.1772% | 4,640 |
| Net loans and leases to core deposits | 30.3969% | 4,633 |
| Total domestic deposits to total assets | 86.5750% | 2,682 |
| Equity capital to assets | 13.0434% | 886 |
| Core capital (leverage) ratio | 13.2115% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5422% | 108 |
| Memoranda: | ||
| Average total assets | $207,689,200 | 3,006 |
| Average earning assets | $198,412,800 | 2,965 |
| Average equity | $27,231,200 | 2,705 |
| Average total loans | $52,172,400 | 3,960 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9051% | 4,164 |
| Cost of funding earning assets | 0.0331% | 4,833 |
| Net interest margin | 2.8721% | 3,611 |
| Noninterest income to average assets | 0.4046% | 3,061 |
| Noninterest expense to average assets | 2.1164% | 3,314 |
| Loan and lease loss provision to assets | 0.0999% | 1,205 |
| Net operating income to assets | 0.8768% | 3,311 |
| Return on assets (ROA) | 0.8768% | 3,387 |
| Pretax return on assets | 0.9238% | 3,644 |
| Return on Equity (ROE) | 6.6785% | 3,749 |
| Retained earnings to average equity (ytd only) | 1.3671% | 4,336 |
| Net charge-offs to loans | -0.0749% | 4,509 |
| Credit loss provision to net charge-offs | -534.4828% | 3,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4042% | 1,914 |
| Assets per employee ($millions) | 2.3528% | 4,825 |
| Cash dividends to net income (ytd only)* | 79.5304% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2232% | 125 |
| Loan loss allowance to noncurrent loans | 216.6453% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 1,956 |
| Noncurrent loans to loans | 1.4878% | 708 |
| Net loans and leases to total assets | 24.2606% | 4,739 |
| Net loans and leases to deposits | 27.9932% | 4,739 |
| Net loans and leases to core deposits | 29.1523% | 4,741 |
| Total domestic deposits to total assets | 86.6663% | 2,479 |
| Equity capital to assets | 12.9273% | 1,001 |
| Core capital (leverage) ratio | 12.4875% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4760% | 121 |
| Memoranda: | ||
| Average total assets | $207,263,250 | 3,040 |
| Average earning assets | $197,391,750 | 3,008 |
| Average equity | $27,211,000 | 2,731 |
| Average total loans | $51,607,000 | 4,016 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8911% | 4,235 |
| Cost of funding earning assets | 0.0336% | 4,869 |
| Net interest margin | 2.8575% | 3,661 |
| Noninterest income to average assets | 0.3573% | 3,324 |
| Noninterest expense to average assets | 2.1273% | 3,310 |
| Loan and lease loss provision to assets | 0.1307% | 946 |
| Net operating income to assets | 0.7785% | 3,569 |
| Return on assets (ROA) | 0.7785% | 3,636 |
| Pretax return on assets | 0.8192% | 3,822 |
| Return on Equity (ROE) | 5.8992% | 3,925 |
| Retained earnings to average equity (ytd only) | -2.0544% | 4,670 |
| Net charge-offs to loans | -0.2534% | 4,823 |
| Credit loss provision to net charge-offs | -207.6923% | 3,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1315% | 1,744 |
| Assets per employee ($millions) | 2.5100% | 4,849 |
| Cash dividends to net income (ytd only)* | 134.8259% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3790% | 111 |
| Loan loss allowance to noncurrent loans | 209.3137% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 2,081 |
| Noncurrent loans to loans | 1.6143% | 676 |
| Net loans and leases to total assets | 22.8914% | 4,798 |
| Net loans and leases to deposits | 26.2957% | 4,809 |
| Net loans and leases to core deposits | 27.3585% | 4,809 |
| Total domestic deposits to total assets | 87.0537% | 2,284 |
| Equity capital to assets | 12.5788% | 1,099 |
| Core capital (leverage) ratio | 12.5988% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1882% | 108 |
| Memoranda: | ||
| Average total assets | $206,550,667 | 3,046 |
| Average earning assets | $196,603,333 | 3,012 |
| Average equity | $27,258,000 | 2,721 |
| Average total loans | $51,311,333 | 4,052 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9522% | 4,181 |
| Cost of funding earning assets | 0.0372% | 4,902 |
| Net interest margin | 2.9150% | 3,477 |
| Noninterest income to average assets | 0.3367% | 3,417 |
| Noninterest expense to average assets | 2.0812% | 3,481 |
| Loan and lease loss provision to assets | 0.1477% | 887 |
| Net operating income to assets | 0.8585% | 3,241 |
| Return on assets (ROA) | 0.8585% | 3,322 |
| Pretax return on assets | 0.8841% | 3,638 |
| Return on Equity (ROE) | 6.3491% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.3491% | 2,780 |
| Net charge-offs to loans | -0.4720% | 4,888 |
| Credit loss provision to net charge-offs | -122.9508% | 2,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8564% | 2,103 |
| Assets per employee ($millions) | 2.2515% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2456% | 123 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 2,171 |
| Noncurrent loans to loans | 1.6228% | 751 |
| Net loans and leases to total assets | 24.4574% | 4,806 |
| Net loans and leases to deposits | 28.4852% | 4,813 |
| Net loans and leases to core deposits | 29.7318% | 4,816 |
| Total domestic deposits to total assets | 85.8602% | 2,788 |
| Equity capital to assets | 13.6936% | 742 |
| Core capital (leverage) ratio | 12.7362% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.9555% | 112 |
| Memoranda: | ||
| Average total assets | $203,150,500 | 3,061 |
| Average earning assets | $193,481,000 | 3,026 |
| Average equity | $27,468,500 | 2,701 |
| Average total loans | $51,693,500 | 4,060 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 3,753 |
| Cost of funding earning assets | 0.0857% | 4,896 |
| Net interest margin | 3.5358% | 2,351 |
| Noninterest income to average assets | 0.4241% | 2,998 |
| Noninterest expense to average assets | 2.4149% | 3,099 |
| Loan and lease loss provision to assets | 0.1817% | 2,125 |
| Net operating income to assets | 1.1736% | 1,640 |
| Return on assets (ROA) | 1.1736% | 1,751 |
| Pretax return on assets | 1.1833% | 2,390 |
| Return on Equity (ROE) | 7.9927% | 2,823 |
| Retained earnings to average equity (ytd only) | 3.0582% | 3,320 |
| Net charge-offs to loans | 0.3370% | 523 |
| Credit loss provision to net charge-offs | 189.2655% | 2,215 |
| Earnings coverage of net charge-offs (x) | 14.2203% | 2,226 |
| Efficiency ratio | 63.8881% | 2,844 |
| Assets per employee ($millions) | 2.3137% | 4,903 |
| Cash dividends to net income (ytd only)* | 61.7375% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8596% | 166 |
| Loan loss allowance to noncurrent loans | 172.7377% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,306 |
| Noncurrent loans to loans | 1.6555% | 788 |
| Net loans and leases to total assets | 24.8771% | 4,837 |
| Net loans and leases to deposits | 28.8765% | 4,848 |
| Net loans and leases to core deposits | 30.1732% | 4,852 |
| Total domestic deposits to total assets | 86.1502% | 2,303 |
| Equity capital to assets | 13.3535% | 982 |
| Core capital (leverage) ratio | 14.1014% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.3738% | 113 |
| Memoranda: | ||
| Average total assets | $184,396,800 | 3,067 |
| Average earning assets | $175,010,200 | 3,033 |
| Average equity | $27,074,600 | 2,672 |
| Average total loans | $52,514,600 | 4,056 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,501 |
| Cost of funding earning assets | 0.0969% | 4,922 |
| Net interest margin | 3.7244% | 1,860 |
| Noninterest income to average assets | 0.4245% | 2,964 |
| Noninterest expense to average assets | 2.5211% | 2,776 |
| Loan and lease loss provision to assets | 0.1715% | 2,275 |
| Net operating income to assets | 1.2416% | 1,514 |
| Return on assets (ROA) | 1.2416% | 1,633 |
| Pretax return on assets | 1.2550% | 2,210 |
| Return on Equity (ROE) | 8.2414% | 2,714 |
| Retained earnings to average equity (ytd only) | 1.6364% | 4,045 |
| Net charge-offs to loans | 0.2516% | 608 |
| Credit loss provision to net charge-offs | 232.3232% | 1,990 |
| Earnings coverage of net charge-offs (x) | 19.3434% | 1,937 |
| Efficiency ratio | 63.8679% | 2,757 |
| Assets per employee ($millions) | 2.1825% | 4,944 |
| Cash dividends to net income (ytd only)* | 80.1440% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8584% | 159 |
| Loan loss allowance to noncurrent loans | 321.2581% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 3,207 |
| Noncurrent loans to loans | 0.8897% | 1,683 |
| Net loans and leases to total assets | 26.8157% | 4,875 |
| Net loans and leases to deposits | 31.6037% | 4,885 |
| Net loans and leases to core deposits | 32.8294% | 4,880 |
| Total domestic deposits to total assets | 84.8500% | 2,497 |
| Equity capital to assets | 14.5006% | 730 |
| Core capital (leverage) ratio | 12.6289% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6474% | 114 |
| Memoranda: | ||
| Average total assets | $179,017,000 | 3,099 |
| Average earning assets | $169,329,250 | 3,064 |
| Average equity | $26,969,000 | 2,670 |
| Average total loans | $52,459,750 | 4,079 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,298 |
| Cost of funding earning assets | 0.1070% | 4,960 |
| Net interest margin | 3.9028% | 1,561 |
| Noninterest income to average assets | 0.4247% | 2,943 |
| Noninterest expense to average assets | 2.6981% | 2,388 |
| Loan and lease loss provision to assets | 0.1647% | 2,355 |
| Net operating income to assets | 1.2298% | 1,548 |
| Return on assets (ROA) | 1.2298% | 1,671 |
| Pretax return on assets | 1.2468% | 2,193 |
| Return on Equity (ROE) | 8.0561% | 2,725 |
| Retained earnings to average equity (ytd only) | -1.8894% | 4,580 |
| Net charge-offs to loans | 0.3797% | 417 |
| Credit loss provision to net charge-offs | 145.0000% | 2,154 |
| Earnings coverage of net charge-offs (x) | 12.4300% | 2,054 |
| Efficiency ratio | 65.6535% | 2,572 |
| Assets per employee ($millions) | 2.2290% | 4,978 |
| Cash dividends to net income (ytd only)* | 123.4534% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6503% | 189 |
| Loan loss allowance to noncurrent loans | 275.1479% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 3,258 |
| Noncurrent loans to loans | 0.9632% | 1,609 |
| Net loans and leases to total assets | 26.7295% | 4,903 |
| Net loans and leases to deposits | 31.3264% | 4,917 |
| Net loans and leases to core deposits | 32.2209% | 4,918 |
| Total domestic deposits to total assets | 85.3259% | 2,262 |
| Equity capital to assets | 13.9918% | 854 |
| Core capital (leverage) ratio | 14.6158% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0712% | 163 |
| Memoranda: | ||
| Average total assets | $176,124,000 | 3,110 |
| Average earning assets | $166,292,667 | 3,081 |
| Average equity | $26,886,333 | 2,655 |
| Average total loans | $52,675,333 | 4,086 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 2,385 |
| Cost of funding earning assets | 0.1365% | 4,993 |
| Net interest margin | 4.3359% | 709 |
| Noninterest income to average assets | 0.4277% | 2,918 |
| Noninterest expense to average assets | 2.8728% | 2,205 |
| Loan and lease loss provision to assets | 0.1663% | 1,759 |
| Net operating income to assets | 1.4447% | 888 |
| Return on assets (ROA) | 1.4447% | 963 |
| Pretax return on assets | 1.4637% | 1,402 |
| Return on Equity (ROE) | 9.0347% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.0347% | 967 |
| Net charge-offs to loans | 0.3112% | 468 |
| Credit loss provision to net charge-offs | 170.7317% | 1,508 |
| Earnings coverage of net charge-offs (x) | 16.7317% | 1,515 |
| Efficiency ratio | 63.7995% | 3,264 |
| Assets per employee ($millions) | 1.8985% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5782% | 221 |
| Loan loss allowance to noncurrent loans | 266.7311% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,185 |
| Noncurrent loans to loans | 0.9666% | 1,698 |
| Net loans and leases to total assets | 31.5479% | 4,878 |
| Net loans and leases to deposits | 38.2871% | 4,863 |
| Net loans and leases to core deposits | 41.1866% | 4,858 |
| Total domestic deposits to total assets | 82.3982% | 3,298 |
| Equity capital to assets | 16.8310% | 460 |
| Core capital (leverage) ratio | 15.1694% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0319% | 122 |
| Memoranda: | ||
| Average total assets | $168,337,000 | 3,149 |
| Average earning assets | $158,214,500 | 3,126 |
| Average equity | $26,918,500 | 2,643 |
| Average total loans | $52,695,500 | 4,099 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,146 |
| Cost of funding earning assets | 0.2090% | 4,944 |
| Net interest margin | 4.2274% | 1,263 |
| Noninterest income to average assets | 0.3885% | 3,368 |
| Noninterest expense to average assets | 2.6634% | 2,986 |
| Loan and lease loss provision to assets | 0.1387% | 1,536 |
| Net operating income to assets | 1.5418% | 956 |
| Return on assets (ROA) | 1.5418% | 1,018 |
| Pretax return on assets | 1.5852% | 1,526 |
| Return on Equity (ROE) | 10.7065% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.5680% | 2,121 |
| Net charge-offs to loans | 0.6604% | 266 |
| Credit loss provision to net charge-offs | 72.7273% | 2,874 |
| Earnings coverage of net charge-offs (x) | 9.0364% | 2,710 |
| Efficiency ratio | 60.7063% | 3,586 |
| Assets per employee ($millions) | 2.0177% | 5,080 |
| Cash dividends to net income (ytd only)* | 47.9940% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 185 |
| Loan loss allowance to noncurrent loans | 292.8416% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,352 |
| Noncurrent loans to loans | 0.8882% | 1,731 |
| Net loans and leases to total assets | 29.4770% | 4,974 |
| Net loans and leases to deposits | 35.0284% | 4,987 |
| Net loans and leases to core deposits | 37.5005% | 4,977 |
| Total domestic deposits to total assets | 84.1519% | 2,805 |
| Equity capital to assets | 15.1817% | 751 |
| Core capital (leverage) ratio | 14.1910% | 882 |
| Tier 1 risk-based capital ratio | 39.8949% | 241 |
| Total risk-based capital ratio | 41.1573% | 240 |
| Memoranda: | ||
| Average total assets | $172,977,600 | 3,084 |
| Average earning assets | $163,621,400 | 3,052 |
| Average equity | $24,910,000 | 2,722 |
| Average total loans | $49,970,800 | 4,185 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 3,231 |
| Cost of funding earning assets | 0.2260% | 4,983 |
| Net interest margin | 4.2169% | 1,338 |
| Noninterest income to average assets | 0.3953% | 3,349 |
| Noninterest expense to average assets | 2.6828% | 2,913 |
| Loan and lease loss provision to assets | 0.1384% | 1,395 |
| Net operating income to assets | 1.5606% | 1,026 |
| Return on assets (ROA) | 1.5606% | 1,082 |
| Pretax return on assets | 1.5775% | 1,709 |
| Return on Equity (ROE) | 10.9844% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.0549% | 3,367 |
| Net charge-offs to loans | 0.5065% | 337 |
| Credit loss provision to net charge-offs | 95.7447% | 2,333 |
| Earnings coverage of net charge-offs (x) | 11.8670% | 2,408 |
| Efficiency ratio | 60.9897% | 3,472 |
| Assets per employee ($millions) | 2.0642% | 5,154 |
| Cash dividends to net income (ytd only)* | 63.0850% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8410% | 150 |
| Loan loss allowance to noncurrent loans | 240.6723% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,194 |
| Noncurrent loans to loans | 1.1805% | 1,334 |
| Net loans and leases to total assets | 27.5871% | 5,097 |
| Net loans and leases to deposits | 32.4529% | 5,102 |
| Net loans and leases to core deposits | 34.7593% | 5,095 |
| Total domestic deposits to total assets | 85.0066% | 2,423 |
| Equity capital to assets | 14.3360% | 1,027 |
| Core capital (leverage) ratio | 13.8351% | 1,030 |
| Tier 1 risk-based capital ratio | 29.3478% | 503 |
| Total risk-based capital ratio | 30.6056% | 497 |
| Memoranda: | ||
| Average total assets | $173,346,250 | 3,109 |
| Average earning assets | $164,571,000 | 3,074 |
| Average equity | $24,628,250 | 2,762 |
| Average total loans | $49,487,500 | 4,245 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 3,216 |
| Cost of funding earning assets | 0.2325% | 5,005 |
| Net interest margin | 4.2059% | 1,351 |
| Noninterest income to average assets | 0.3989% | 3,281 |
| Noninterest expense to average assets | 2.7007% | 2,905 |
| Loan and lease loss provision to assets | 0.1396% | 1,330 |
| Net operating income to assets | 1.5388% | 1,034 |
| Return on assets (ROA) | 1.5388% | 1,090 |
| Pretax return on assets | 1.5562% | 1,678 |
| Return on Equity (ROE) | 10.8644% | 2,035 |
| Retained earnings to average equity (ytd only) | 0.3531% | 4,604 |
| Net charge-offs to loans | 0.4433% | 370 |
| Credit loss provision to net charge-offs | 110.0917% | 1,846 |
| Earnings coverage of net charge-offs (x) | 13.3761% | 2,104 |
| Efficiency ratio | 61.4286% | 3,518 |
| Assets per employee ($millions) | 2.2193% | 5,182 |
| Cash dividends to net income (ytd only)* | 96.7498% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9037% | 139 |
| Loan loss allowance to noncurrent loans | 261.9134% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 3,303 |
| Noncurrent loans to loans | 1.1086% | 1,473 |
| Net loans and leases to total assets | 26.9915% | 5,140 |
| Net loans and leases to deposits | 31.4871% | 5,154 |
| Net loans and leases to core deposits | 33.6727% | 5,149 |
| Total domestic deposits to total assets | 85.7226% | 2,171 |
| Equity capital to assets | 13.7022% | 1,240 |
| Core capital (leverage) ratio | 14.0274% | 952 |
| Tier 1 risk-based capital ratio | 35.8671% | 315 |
| Total risk-based capital ratio | 37.1307% | 309 |
| Memoranda: | ||
| Average total assets | $171,955,670 | 3,137 |
| Average earning assets | $163,438,330 | 3,096 |
| Average equity | $24,354,670 | 2,778 |
| Average total loans | $49,182,000 | 4,277 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,774 |
| Cost of funding earning assets | 0.2352% | 5,026 |
| Net interest margin | 4.2939% | 1,106 |
| Noninterest income to average assets | 0.3594% | 3,452 |
| Noninterest expense to average assets | 2.8848% | 2,315 |
| Loan and lease loss provision to assets | 0.1428% | 1,198 |
| Net operating income to assets | 1.3972% | 1,386 |
| Return on assets (ROA) | 1.3972% | 1,418 |
| Pretax return on assets | 1.4162% | 2,030 |
| Return on Equity (ROE) | 9.6959% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.6959% | 1,109 |
| Net charge-offs to loans | 0.2706% | 546 |
| Credit loss provision to net charge-offs | 181.8182% | 1,110 |
| Earnings coverage of net charge-offs (x) | 19.8485% | 1,581 |
| Efficiency ratio | 64.9170% | 3,094 |
| Assets per employee ($millions) | 2.0701% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0952% | 123 |
| Loan loss allowance to noncurrent loans | 237.9254% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,164 |
| Noncurrent loans to loans | 1.3009% | 1,260 |
| Net loans and leases to total assets | 26.7503% | 5,198 |
| Net loans and leases to deposits | 31.4556% | 5,201 |
| Net loans and leases to core deposits | 33.7874% | 5,191 |
| Total domestic deposits to total assets | 85.0415% | 2,666 |
| Equity capital to assets | 14.3585% | 919 |
| Core capital (leverage) ratio | 14.6057% | 786 |
| Tier 1 risk-based capital ratio | 40.3755% | 232 |
| Total risk-based capital ratio | 41.6421% | 227 |
| Memoranda: | ||
| Average total assets | $168,053,500 | 3,211 |
| Average earning assets | $159,856,000 | 3,169 |
| Average equity | $24,216,500 | 2,789 |
| Average total loans | $48,787,500 | 4,328 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 2,339 |
| Cost of funding earning assets | 0.1910% | 5,037 |
| Net interest margin | 4.3475% | 1,045 |
| Noninterest income to average assets | 0.3980% | 3,453 |
| Noninterest expense to average assets | 2.7633% | 2,814 |
| Loan and lease loss provision to assets | 0.1490% | 1,424 |
| Net operating income to assets | 1.5859% | 907 |
| Return on assets (ROA) | 1.5859% | 896 |
| Pretax return on assets | 1.6406% | 1,339 |
| Return on Equity (ROE) | 11.2887% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.6212% | 1,853 |
| Net charge-offs to loans | 0.6899% | 238 |
| Credit loss provision to net charge-offs | 74.0741% | 2,937 |
| Earnings coverage of net charge-offs (x) | 8.8951% | 2,853 |
| Efficiency ratio | 60.6929% | 3,748 |
| Assets per employee ($millions) | 1.9328% | 5,319 |
| Cash dividends to net income (ytd only)* | 41.3469% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 149 |
| Loan loss allowance to noncurrent loans | 218.1818% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,946 |
| Noncurrent loans to loans | 1.3162% | 1,194 |
| Net loans and leases to total assets | 29.6460% | 5,212 |
| Net loans and leases to deposits | 34.9142% | 5,212 |
| Net loans and leases to core deposits | 37.6152% | 5,201 |
| Total domestic deposits to total assets | 84.9110% | 2,679 |
| Equity capital to assets | 14.4639% | 851 |
| Core capital (leverage) ratio | 14.7544% | 744 |
| Tier 1 risk-based capital ratio | 37.2351% | 275 |
| Total risk-based capital ratio | 38.4998% | 271 |
| Memoranda: | ||
| Average total assets | $161,042,200 | 3,262 |
| Average earning assets | $153,904,600 | 3,194 |
| Average equity | $22,624,400 | 2,854 |
| Average total loans | $46,960,800 | 4,373 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,194 |
| Cost of funding earning assets | 0.1767% | 5,110 |
| Net interest margin | 4.3524% | 1,003 |
| Noninterest income to average assets | 0.3944% | 3,517 |
| Noninterest expense to average assets | 2.7943% | 2,654 |
| Loan and lease loss provision to assets | 0.1498% | 1,315 |
| Net operating income to assets | 1.5810% | 996 |
| Return on assets (ROA) | 1.5810% | 1,000 |
| Pretax return on assets | 1.6118% | 1,548 |
| Return on Equity (ROE) | 11.3397% | 2,040 |
| Retained earnings to average equity (ytd only) | 5.0373% | 3,219 |
| Net charge-offs to loans | 0.4968% | 320 |
| Credit loss provision to net charge-offs | 104.6512% | 2,189 |
| Earnings coverage of net charge-offs (x) | 12.3080% | 2,460 |
| Efficiency ratio | 61.3333% | 3,613 |
| Assets per employee ($millions) | 2.0901% | 5,371 |
| Cash dividends to net income (ytd only)* | 55.5788% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3453% | 98 |
| Loan loss allowance to noncurrent loans | 239.7496% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 3,186 |
| Noncurrent loans to loans | 1.3953% | 1,193 |
| Net loans and leases to total assets | 25.8265% | 5,323 |
| Net loans and leases to deposits | 29.9927% | 5,340 |
| Net loans and leases to core deposits | 32.3631% | 5,333 |
| Total domestic deposits to total assets | 86.1091% | 2,141 |
| Equity capital to assets | 13.2012% | 1,256 |
| Core capital (leverage) ratio | 11.7463% | 1,970 |
| Tier 1 risk-based capital ratio | 40.1792% | 231 |
| Total risk-based capital ratio | 41.4480% | 228 |
| Memoranda: | ||
| Average total assets | $160,229,750 | 3,297 |
| Average earning assets | $153,198,500 | 3,238 |
| Average equity | $22,339,750 | 2,888 |
| Average total loans | $46,164,500 | 4,440 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,870 |
| Cost of funding earning assets | 0.1592% | 5,200 |
| Net interest margin | 4.1106% | 1,523 |
| Noninterest income to average assets | 0.4012% | 3,482 |
| Noninterest expense to average assets | 2.8637% | 2,453 |
| Loan and lease loss provision to assets | 0.1533% | 1,231 |
| Net operating income to assets | 1.2906% | 1,807 |
| Return on assets (ROA) | 1.2906% | 1,803 |
| Pretax return on assets | 1.3098% | 2,469 |
| Return on Equity (ROE) | 9.0808% | 2,982 |
| Retained earnings to average equity (ytd only) | -0.4136% | 5,017 |
| Net charge-offs to loans | 0.3413% | 471 |
| Credit loss provision to net charge-offs | 151.8987% | 1,568 |
| Earnings coverage of net charge-offs (x) | 14.4937% | 2,094 |
| Efficiency ratio | 66.1843% | 2,942 |
| Assets per employee ($millions) | 2.1266% | 5,428 |
| Cash dividends to net income (ytd only)* | 104.5545% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3590% | 95 |
| Loan loss allowance to noncurrent loans | 224.6772% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,138 |
| Noncurrent loans to loans | 1.4950% | 1,123 |
| Net loans and leases to total assets | 25.8367% | 5,387 |
| Net loans and leases to deposits | 29.7511% | 5,397 |
| Net loans and leases to core deposits | 32.0434% | 5,385 |
| Total domestic deposits to total assets | 86.8428% | 1,909 |
| Equity capital to assets | 12.5510% | 1,507 |
| Core capital (leverage) ratio | 14.6076% | 750 |
| Tier 1 risk-based capital ratio | 39.5850% | 236 |
| Total risk-based capital ratio | 40.8563% | 232 |
| Memoranda: | ||
| Average total assets | $156,511,000 | 3,359 |
| Average earning assets | $149,465,670 | 3,301 |
| Average equity | $22,244,670 | 2,909 |
| Average total loans | $46,287,670 | 4,480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,823 |
| Cost of funding earning assets | 0.1677% | 5,172 |
| Net interest margin | 4.3465% | 865 |
| Noninterest income to average assets | 0.4093% | 3,399 |
| Noninterest expense to average assets | 3.0710% | 1,903 |
| Loan and lease loss provision to assets | 0.1626% | 1,109 |
| Net operating income to assets | 1.2983% | 1,644 |
| Return on assets (ROA) | 1.2983% | 1,647 |
| Pretax return on assets | 1.3200% | 2,289 |
| Return on Equity (ROE) | 8.5446% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.5446% | 1,643 |
| Net charge-offs to loans | 0.2862% | 538 |
| Credit loss provision to net charge-offs | 181.8182% | 1,109 |
| Earnings coverage of net charge-offs (x) | 16.5758% | 1,616 |
| Efficiency ratio | 67.4405% | 2,926 |
| Assets per employee ($millions) | 1.8384% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3896% | 99 |
| Loan loss allowance to noncurrent loans | 229.4379% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 3,057 |
| Noncurrent loans to loans | 1.4774% | 1,200 |
| Net loans and leases to total assets | 29.3250% | 5,378 |
| Net loans and leases to deposits | 34.7756% | 5,380 |
| Net loans and leases to core deposits | 37.5429% | 5,361 |
| Total domestic deposits to total assets | 84.3265% | 3,181 |
| Equity capital to assets | 14.9564% | 683 |
| Core capital (leverage) ratio | 15.1104% | 638 |
| Tier 1 risk-based capital ratio | 38.5773% | 250 |
| Total risk-based capital ratio | 39.8466% | 247 |
| Memoranda: | ||
| Average total assets | $147,574,500 | 3,502 |
| Average earning assets | $140,710,000 | 3,439 |
| Average equity | $22,423,500 | 2,919 |
| Average total loans | $46,121,000 | 4,535 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 2,474 |
| Cost of funding earning assets | 0.1453% | 5,287 |
| Net interest margin | 4.1117% | 1,398 |
| Noninterest income to average assets | 0.4366% | 3,395 |
| Noninterest expense to average assets | 2.7363% | 3,013 |
| Loan and lease loss provision to assets | 0.2053% | 1,002 |
| Net operating income to assets | 1.3691% | 1,075 |
| Return on assets (ROA) | 1.3691% | 1,097 |
| Pretax return on assets | 1.4232% | 1,916 |
| Return on Equity (ROE) | 9.6730% | 2,022 |
| Retained earnings to average equity (ytd only) | 5.3729% | 1,882 |
| Net charge-offs to loans | 0.4917% | 484 |
| Credit loss provision to net charge-offs | 129.0984% | 2,034 |
| Earnings coverage of net charge-offs (x) | 10.2418% | 2,700 |
| Efficiency ratio | 62.6904% | 3,832 |
| Assets per employee ($millions) | 1.7191% | 5,592 |
| Cash dividends to net income (ytd only)* | 44.4550% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2785% | 105 |
| Loan loss allowance to noncurrent loans | 251.9008% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 3,192 |
| Noncurrent loans to loans | 1.3015% | 1,339 |
| Net loans and leases to total assets | 31.1356% | 5,414 |
| Net loans and leases to deposits | 37.1652% | 5,405 |
| Net loans and leases to core deposits | 39.7786% | 5,390 |
| Total domestic deposits to total assets | 83.7761% | 3,286 |
| Equity capital to assets | 15.4435% | 594 |
| Core capital (leverage) ratio | 15.0878% | 603 |
| Tier 1 risk-based capital ratio | 39.1442% | 231 |
| Total risk-based capital ratio | 40.4144% | 226 |
| Memoranda: | ||
| Average total assets | $153,456,200 | 3,425 |
| Average earning assets | $146,606,200 | 3,364 |
| Average equity | $21,720,200 | 2,977 |
| Average total loans | $49,627,600 | 4,466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,664 |
| Cost of funding earning assets | 0.1386% | 5,376 |
| Net interest margin | 4.0473% | 1,554 |
| Noninterest income to average assets | 0.4324% | 3,457 |
| Noninterest expense to average assets | 2.7074% | 3,040 |
| Loan and lease loss provision to assets | 0.2183% | 851 |
| Net operating income to assets | 1.3348% | 1,237 |
| Return on assets (ROA) | 1.3348% | 1,266 |
| Pretax return on assets | 1.3811% | 2,168 |
| Return on Equity (ROE) | 9.6343% | 2,290 |
| Retained earnings to average equity (ytd only) | 3.8624% | 3,627 |
| Net charge-offs to loans | 0.4655% | 448 |
| Credit loss provision to net charge-offs | 144.8864% | 1,734 |
| Earnings coverage of net charge-offs (x) | 10.6137% | 2,579 |
| Efficiency ratio | 62.8628% | 3,739 |
| Assets per employee ($millions) | 1.9819% | 5,629 |
| Cash dividends to net income (ytd only)* | 59.9102% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0954% | 144 |
| Loan loss allowance to noncurrent loans | 245.1200% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 3,507 |
| Noncurrent loans to loans | 1.2628% | 1,515 |
| Net loans and leases to total assets | 29.1565% | 5,516 |
| Net loans and leases to deposits | 33.9530% | 5,529 |
| Net loans and leases to core deposits | 36.3115% | 5,520 |
| Total domestic deposits to total assets | 85.8731% | 2,362 |
| Equity capital to assets | 13.3396% | 1,232 |
| Core capital (leverage) ratio | 13.1885% | 1,130 |
| Tier 1 risk-based capital ratio | 36.5453% | 289 |
| Total risk-based capital ratio | 37.8152% | 285 |
| Memoranda: | ||
| Average total assets | $155,719,250 | 3,434 |
| Average earning assets | $149,068,250 | 3,365 |
| Average equity | $21,575,000 | 3,015 |
| Average total loans | $50,413,250 | 4,491 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 2,581 |
| Cost of funding earning assets | 0.1355% | 5,417 |
| Net interest margin | 4.0345% | 1,504 |
| Noninterest income to average assets | 0.4346% | 3,457 |
| Noninterest expense to average assets | 3.3404% | 1,291 |
| Loan and lease loss provision to assets | 0.2356% | 727 |
| Net operating income to assets | 0.6977% | 3,867 |
| Return on assets (ROA) | 0.6977% | 3,929 |
| Pretax return on assets | 0.7173% | 4,504 |
| Return on Equity (ROE) | 5.0045% | 4,472 |
| Retained earnings to average equity (ytd only) | -3.7651% | 5,479 |
| Net charge-offs to loans | 0.5284% | 367 |
| Credit loss provision to net charge-offs | 134.3284% | 1,640 |
| Earnings coverage of net charge-offs (x) | 5.4328% | 2,825 |
| Efficiency ratio | 77.8049% | 1,490 |
| Assets per employee ($millions) | 1.8946% | 5,684 |
| Cash dividends to net income (ytd only)* | 175.2345% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0887% | 149 |
| Loan loss allowance to noncurrent loans | 256.6781% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,662 |
| Noncurrent loans to loans | 1.2033% | 1,619 |
| Net loans and leases to total assets | 29.2054% | 5,562 |
| Net loans and leases to deposits | 33.9537% | 5,572 |
| Net loans and leases to core deposits | 36.3610% | 5,563 |
| Total domestic deposits to total assets | 86.0154% | 2,370 |
| Equity capital to assets | 12.9904% | 1,382 |
| Core capital (leverage) ratio | 13.8258% | 902 |
| Tier 1 risk-based capital ratio | 28.3701% | 532 |
| Total risk-based capital ratio | 29.6310% | 523 |
| Memoranda: | ||
| Average total assets | $152,794,000 | 3,484 |
| Average earning assets | $146,138,000 | 3,413 |
| Average equity | $21,300,670 | 3,044 |
| Average total loans | $50,720,000 | 4,507 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 2,206 |
| Cost of funding earning assets | 0.1408% | 5,435 |
| Net interest margin | 4.0804% | 1,269 |
| Noninterest income to average assets | 0.4116% | 3,581 |
| Noninterest expense to average assets | 2.8143% | 2,741 |
| Loan and lease loss provision to assets | 0.2421% | 634 |
| Net operating income to assets | 1.2323% | 1,423 |
| Return on assets (ROA) | 1.2323% | 1,462 |
| Pretax return on assets | 1.2538% | 2,400 |
| Return on Equity (ROE) | 8.5245% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.5245% | 1,270 |
| Net charge-offs to loans | 0.5172% | 353 |
| Credit loss provision to net charge-offs | 134.3284% | 1,291 |
| Earnings coverage of net charge-offs (x) | 8.2985% | 2,071 |
| Efficiency ratio | 65.2934% | 3,619 |
| Assets per employee ($millions) | 1.7776% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1116% | 158 |
| Loan loss allowance to noncurrent loans | 121.5046% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 2,097 |
| Noncurrent loans to loans | 2.5609% | 602 |
| Net loans and leases to total assets | 33.3449% | 5,489 |
| Net loans and leases to deposits | 39.2741% | 5,494 |
| Net loans and leases to core deposits | 42.3351% | 5,456 |
| Total domestic deposits to total assets | 84.9031% | 3,124 |
| Equity capital to assets | 14.5538% | 739 |
| Core capital (leverage) ratio | 13.9773% | 849 |
| Tier 1 risk-based capital ratio | 27.0316% | 622 |
| Total risk-based capital ratio | 28.2899% | 610 |
| Memoranda: | ||
| Average total assets | $148,670,000 | 3,573 |
| Average earning assets | $142,045,500 | 3,495 |
| Average equity | $21,491,000 | 3,033 |
| Average total loans | $51,814,000 | 4,510 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,318 |
| Cost of funding earning assets | 0.1405% | 5,480 |
| Net interest margin | 4.4449% | 698 |
| Noninterest income to average assets | 0.4714% | 3,401 |
| Noninterest expense to average assets | 3.1556% | 1,883 |
| Loan and lease loss provision to assets | 0.1856% | 1,270 |
| Net operating income to assets | 1.3183% | 1,174 |
| Return on assets (ROA) | 1.3183% | 1,226 |
| Pretax return on assets | 1.3414% | 2,134 |
| Return on Equity (ROE) | 8.9938% | 2,422 |
| Retained earnings to average equity (ytd only) | 5.8684% | 1,782 |
| Net charge-offs to loans | 0.4105% | 645 |
| Credit loss provision to net charge-offs | 118.8341% | 2,234 |
| Earnings coverage of net charge-offs (x) | 9.7758% | 2,720 |
| Efficiency ratio | 67.3897% | 3,368 |
| Assets per employee ($millions) | 1.8052% | 5,816 |
| Cash dividends to net income (ytd only)* | 34.7503% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0168% | 175 |
| Loan loss allowance to noncurrent loans | 112.4911% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 2,011 |
| Noncurrent loans to loans | 2.6819% | 562 |
| Net loans and leases to total assets | 34.2267% | 5,543 |
| Net loans and leases to deposits | 40.2469% | 5,546 |
| Net loans and leases to core deposits | 43.1778% | 5,514 |
| Total domestic deposits to total assets | 85.0417% | 3,025 |
| Equity capital to assets | 14.3564% | 780 |
| Core capital (leverage) ratio | 13.8996% | 841 |
| Tier 1 risk-based capital ratio | 27.3151% | 603 |
| Total risk-based capital ratio | 28.5754% | 587 |
| Memoranda: | ||
| Average total assets | $142,761,600 | 3,626 |
| Average earning assets | $135,256,600 | 3,568 |
| Average equity | $20,925,600 | 3,071 |
| Average total loans | $54,319,200 | 4,447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 1,242 |
| Cost of funding earning assets | 0.1385% | 5,555 |
| Net interest margin | 4.4887% | 649 |
| Noninterest income to average assets | 0.4883% | 3,333 |
| Noninterest expense to average assets | 3.1927% | 1,797 |
| Loan and lease loss provision to assets | 0.1932% | 1,118 |
| Net operating income to assets | 1.3263% | 1,222 |
| Return on assets (ROA) | 1.3263% | 1,305 |
| Pretax return on assets | 1.3480% | 2,249 |
| Return on Equity (ROE) | 8.9998% | 2,489 |
| Retained earnings to average equity (ytd only) | 4.8165% | 2,947 |
| Net charge-offs to loans | 0.2845% | 803 |
| Credit loss provision to net charge-offs | 175.2137% | 1,590 |
| Earnings coverage of net charge-offs (x) | 13.9740% | 2,265 |
| Efficiency ratio | 67.4432% | 3,329 |
| Assets per employee ($millions) | 1.8541% | 5,879 |
| Cash dividends to net income (ytd only)* | 46.4820% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0866% | 173 |
| Loan loss allowance to noncurrent loans | 98.3626% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 1,917 |
| Noncurrent loans to loans | 3.1380% | 459 |
| Net loans and leases to total assets | 33.0931% | 5,654 |
| Net loans and leases to deposits | 38.6762% | 5,664 |
| Net loans and leases to core deposits | 41.6507% | 5,642 |
| Total domestic deposits to total assets | 85.5646% | 2,574 |
| Equity capital to assets | 13.8362% | 1,101 |
| Core capital (leverage) ratio | 13.9904% | 851 |
| Tier 1 risk-based capital ratio | 26.3552% | 689 |
| Total risk-based capital ratio | 27.6152% | 672 |
| Memoranda: | ||
| Average total assets | $141,445,750 | 3,664 |
| Average earning assets | $133,785,000 | 3,611 |
| Average equity | $20,844,250 | 3,106 |
| Average total loans | $54,839,000 | 4,473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 867 |
| Cost of funding earning assets | 0.1398% | 5,612 |
| Net interest margin | 4.6691% | 442 |
| Noninterest income to average assets | 0.5084% | 3,136 |
| Noninterest expense to average assets | 3.3329% | 1,528 |
| Loan and lease loss provision to assets | 0.2112% | 1,011 |
| Net operating income to assets | 1.3693% | 1,118 |
| Return on assets (ROA) | 1.3693% | 1,191 |
| Pretax return on assets | 1.3911% | 2,061 |
| Return on Equity (ROE) | 9.0845% | 2,464 |
| Retained earnings to average equity (ytd only) | 2.7640% | 4,137 |
| Net charge-offs to loans | 0.5611% | 374 |
| Credit loss provision to net charge-offs | 92.9487% | 2,208 |
| Earnings coverage of net charge-offs (x) | 7.0513% | 2,673 |
| Efficiency ratio | 67.5325% | 3,440 |
| Assets per employee ($millions) | 1.7963% | 5,960 |
| Cash dividends to net income (ytd only)* | 69.5745% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8246% | 245 |
| Loan loss allowance to noncurrent loans | 124.1239% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 2,485 |
| Noncurrent loans to loans | 2.2756% | 808 |
| Net loans and leases to total assets | 36.0109% | 5,607 |
| Net loans and leases to deposits | 42.3482% | 5,606 |
| Net loans and leases to core deposits | 45.8300% | 5,571 |
| Total domestic deposits to total assets | 85.0354% | 2,863 |
| Equity capital to assets | 14.4059% | 897 |
| Core capital (leverage) ratio | 14.6949% | 667 |
| Tier 1 risk-based capital ratio | 26.3146% | 707 |
| Total risk-based capital ratio | 27.5744% | 691 |
| Memoranda: | ||
| Average total assets | $137,296,670 | 3,769 |
| Average earning assets | $130,174,330 | 3,687 |
| Average equity | $20,694,670 | 3,127 |
| Average total loans | $55,602,000 | 4,486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 584 |
| Cost of funding earning assets | 0.1459% | 5,638 |
| Net interest margin | 4.8518% | 330 |
| Noninterest income to average assets | 0.5766% | 2,650 |
| Noninterest expense to average assets | 3.4356% | 1,307 |
| Loan and lease loss provision to assets | 0.1802% | 1,122 |
| Net operating income to assets | 1.5316% | 805 |
| Return on assets (ROA) | 1.5316% | 849 |
| Pretax return on assets | 1.5556% | 1,418 |
| Return on Equity (ROE) | 9.9215% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.9215% | 862 |
| Net charge-offs to loans | 0.9071% | 215 |
| Credit loss provision to net charge-offs | 46.8750% | 2,076 |
| Earnings coverage of net charge-offs (x) | 4.5156% | 2,421 |
| Efficiency ratio | 66.4344% | 3,727 |
| Assets per employee ($millions) | 1.7160% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5980% | 353 |
| Loan loss allowance to noncurrent loans | 103.1668% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0861% | 2,038 |
| Noncurrent loans to loans | 2.5182% | 739 |
| Net loans and leases to total assets | 40.0369% | 5,449 |
| Net loans and leases to deposits | 47.5372% | 5,441 |
| Net loans and leases to core deposits | 51.7425% | 5,362 |
| Total domestic deposits to total assets | 84.2221% | 3,441 |
| Equity capital to assets | 15.3102% | 634 |
| Core capital (leverage) ratio | 14.8719% | 624 |
| Tier 1 risk-based capital ratio | 25.6390% | 759 |
| Total risk-based capital ratio | 26.8966% | 747 |
| Memoranda: | ||
| Average total assets | $133,193,500 | 3,858 |
| Average earning assets | $126,138,500 | 3,786 |
| Average equity | $20,561,500 | 3,145 |
| Average total loans | $56,443,000 | 4,488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,348 |
| Cost of funding earning assets | 0.1501% | 5,680 |
| Net interest margin | 4.1099% | 1,390 |
| Noninterest income to average assets | 0.5330% | 3,121 |
| Noninterest expense to average assets | 3.1605% | 2,061 |
| Loan and lease loss provision to assets | 0.2024% | 1,059 |
| Net operating income to assets | 0.9927% | 2,405 |
| Return on assets (ROA) | 0.9927% | 2,499 |
| Pretax return on assets | 1.0179% | 3,390 |
| Return on Equity (ROE) | 6.6107% | 3,722 |
| Retained earnings to average equity (ytd only) | 3.2850% | 3,711 |
| Net charge-offs to loans | 0.1576% | 1,802 |
| Credit loss provision to net charge-offs | 358.1081% | 830 |
| Earnings coverage of net charge-offs (x) | 21.5946% | 1,809 |
| Efficiency ratio | 72.1457% | 2,886 |
| Assets per employee ($millions) | 1.5745% | 6,101 |
| Cash dividends to net income (ytd only)* | 50.3077% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 309 |
| Loan loss allowance to noncurrent loans | 103.0914% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 1,888 |
| Noncurrent loans to loans | 2.6356% | 675 |
| Net loans and leases to total assets | 42.5410% | 5,373 |
| Net loans and leases to deposits | 50.7320% | 5,352 |
| Net loans and leases to core deposits | 56.3775% | 5,182 |
| Total domestic deposits to total assets | 83.8544% | 3,543 |
| Equity capital to assets | 15.5725% | 585 |
| Core capital (leverage) ratio | 14.1862% | 778 |
| Tier 1 risk-based capital ratio | 23.9323% | 932 |
| Total risk-based capital ratio | 25.1893% | 920 |
| Memoranda: | ||
| Average total assets | $130,960,800 | 3,871 |
| Average earning assets | $122,607,000 | 3,827 |
| Average equity | $19,665,000 | 3,206 |
| Average total loans | $46,945,600 | 4,758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,102 |
| Cost of funding earning assets | 0.1444% | 5,821 |
| Net interest margin | 3.9152% | 1,982 |
| Noninterest income to average assets | 0.5002% | 3,359 |
| Noninterest expense to average assets | 3.1277% | 2,148 |
| Loan and lease loss provision to assets | 0.1826% | 1,137 |
| Net operating income to assets | 0.8238% | 3,308 |
| Return on assets (ROA) | 0.8238% | 3,390 |
| Pretax return on assets | 0.8471% | 4,185 |
| Return on Equity (ROE) | 5.5364% | 4,383 |
| Retained earnings to average equity (ytd only) | 1.0773% | 5,286 |
| Net charge-offs to loans | 0.0539% | 2,834 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 56.3875% | 956 |
| Efficiency ratio | 75.2318% | 2,363 |
| Assets per employee ($millions) | 1.8143% | 6,162 |
| Cash dividends to net income (ytd only)* | 80.5420% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1118% | 217 |
| Loan loss allowance to noncurrent loans | 113.0631% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 2,607 |
| Noncurrent loans to loans | 2.7523% | 686 |
| Net loans and leases to total assets | 31.9066% | 5,927 |
| Net loans and leases to deposits | 37.1303% | 5,950 |
| Net loans and leases to core deposits | 40.8094% | 5,895 |
| Total domestic deposits to total assets | 85.9315% | 2,566 |
| Equity capital to assets | 13.5608% | 1,201 |
| Core capital (leverage) ratio | 14.3358% | 776 |
| Tier 1 risk-based capital ratio | 29.1277% | 563 |
| Total risk-based capital ratio | 30.3906% | 553 |
| Memoranda: | ||
| Average total assets | $131,424,500 | 3,904 |
| Average earning assets | $122,767,500 | 3,866 |
| Average equity | $19,555,000 | 3,244 |
| Average total loans | $44,567,750 | 4,894 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,576 |
| Cost of funding earning assets | 0.1480% | 5,861 |
| Net interest margin | 4.0420% | 1,517 |
| Noninterest income to average assets | 0.5207% | 3,222 |
| Noninterest expense to average assets | 3.2776% | 1,768 |
| Loan and lease loss provision to assets | 0.1899% | 1,054 |
| Net operating income to assets | 0.7897% | 3,437 |
| Return on assets (ROA) | 0.7897% | 3,535 |
| Pretax return on assets | 0.8135% | 4,281 |
| Return on Equity (ROE) | 5.1027% | 4,572 |
| Retained earnings to average equity (ytd only) | -1.5952% | 5,782 |
| Net charge-offs to loans | 0.0323% | 3,018 |
| Credit loss provision to net charge-offs | 1,714.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 90.5714% | 643 |
| Efficiency ratio | 76.5619% | 2,272 |
| Assets per employee ($millions) | 1.5961% | 6,269 |
| Cash dividends to net income (ytd only)* | 131.2625% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3334% | 186 |
| Loan loss allowance to noncurrent loans | 105.3507% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 2,394 |
| Noncurrent loans to loans | 3.1641% | 601 |
| Net loans and leases to total assets | 32.2833% | 5,960 |
| Net loans and leases to deposits | 38.0721% | 5,975 |
| Net loans and leases to core deposits | 42.6620% | 5,876 |
| Total domestic deposits to total assets | 84.7951% | 3,214 |
| Equity capital to assets | 14.7136% | 767 |
| Core capital (leverage) ratio | 15.7063% | 513 |
| Tier 1 risk-based capital ratio | 28.9560% | 594 |
| Total risk-based capital ratio | 30.2184% | 586 |
| Memoranda: | ||
| Average total assets | $126,373,670 | 4,035 |
| Average earning assets | $117,567,000 | 3,998 |
| Average equity | $19,558,330 | 3,269 |
| Average total loans | $43,291,670 | 4,983 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 1,866 |
| Cost of funding earning assets | 0.1522% | 5,917 |
| Net interest margin | 4.2196% | 1,022 |
| Noninterest income to average assets | 0.4802% | 3,421 |
| Noninterest expense to average assets | 3.3355% | 1,639 |
| Loan and lease loss provision to assets | 0.1934% | 969 |
| Net operating income to assets | 0.8605% | 2,959 |
| Return on assets (ROA) | 0.8605% | 3,076 |
| Pretax return on assets | 0.8830% | 3,952 |
| Return on Equity (ROE) | 5.4188% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.4188% | 2,822 |
| Net charge-offs to loans | 0.1857% | 1,184 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 16.7000% | 1,557 |
| Efficiency ratio | 75.6026% | 2,568 |
| Assets per employee ($millions) | 1.5277% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1664% | 251 |
| Loan loss allowance to noncurrent loans | 94.7945% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1798% | 2,277 |
| Noncurrent loans to loans | 3.3403% | 602 |
| Net loans and leases to total assets | 34.2031% | 5,916 |
| Net loans and leases to deposits | 41.0166% | 5,877 |
| Net loans and leases to core deposits | 46.2139% | 5,745 |
| Total domestic deposits to total assets | 83.3886% | 4,052 |
| Equity capital to assets | 16.1662% | 525 |
| Core capital (leverage) ratio | 15.1771% | 583 |
| Tier 1 risk-based capital ratio | 28.6343% | 609 |
| Total risk-based capital ratio | 29.8936% | 600 |
| Memoranda: | ||
| Average total assets | $124,121,000 | 4,103 |
| Average earning assets | $115,650,000 | 4,070 |
| Average equity | $19,709,000 | 3,261 |
| Average total loans | $43,083,000 | 5,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 1,493 |
| Cost of funding earning assets | 0.1835% | 5,886 |
| Net interest margin | 4.4393% | 833 |
| Noninterest income to average assets | 0.5117% | 3,410 |
| Noninterest expense to average assets | 3.4140% | 1,670 |
| Loan and lease loss provision to assets | 0.1176% | 2,212 |
| Net operating income to assets | 1.1016% | 1,967 |
| Return on assets (ROA) | 1.1016% | 2,023 |
| Pretax return on assets | 1.1268% | 2,982 |
| Return on Equity (ROE) | 6.9874% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.3524% | 3,826 |
| Net charge-offs to loans | 0.2088% | 1,998 |
| Credit loss provision to net charge-offs | 159.0909% | 1,519 |
| Earnings coverage of net charge-offs (x) | 16.8295% | 1,981 |
| Efficiency ratio | 73.2864% | 2,969 |
| Assets per employee ($millions) | 1.5759% | 6,424 |
| Cash dividends to net income (ytd only)* | 52.0214% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1656% | 249 |
| Loan loss allowance to noncurrent loans | 89.6598% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 2,371 |
| Noncurrent loans to loans | 3.5306% | 576 |
| Net loans and leases to total assets | 33.0236% | 6,083 |
| Net loans and leases to deposits | 39.3294% | 6,053 |
| Net loans and leases to core deposits | 44.6390% | 5,937 |
| Total domestic deposits to total assets | 83.9666% | 3,728 |
| Equity capital to assets | 15.5933% | 590 |
| Core capital (leverage) ratio | 16.0800% | 458 |
| Tier 1 risk-based capital ratio | 39.1789% | 250 |
| Total risk-based capital ratio | 40.4477% | 249 |
| Memoranda: | ||
| Average total assets | $119,009,600 | 4,204 |
| Average earning assets | $111,165,400 | 4,158 |
| Average equity | $18,762,400 | 3,317 |
| Average total loans | $42,153,000 | 5,101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,407 |
| Cost of funding earning assets | 0.1899% | 5,912 |
| Net interest margin | 4.4703% | 794 |
| Noninterest income to average assets | 0.4919% | 3,601 |
| Noninterest expense to average assets | 3.3934% | 1,689 |
| Loan and lease loss provision to assets | 0.2040% | 1,151 |
| Net operating income to assets | 1.0314% | 2,317 |
| Return on assets (ROA) | 1.0314% | 2,377 |
| Pretax return on assets | 1.0563% | 3,358 |
| Return on Equity (ROE) | 6.5232% | 3,953 |
| Retained earnings to average equity (ytd only) | 1.6344% | 5,230 |
| Net charge-offs to loans | 0.1236% | 2,575 |
| Credit loss provision to net charge-offs | 461.5385% | 618 |
| Earnings coverage of net charge-offs (x) | 28.5121% | 1,417 |
| Efficiency ratio | 72.9177% | 3,015 |
| Assets per employee ($millions) | 1.5337% | 6,504 |
| Cash dividends to net income (ytd only)* | 74.9452% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4921% | 230 |
| Loan loss allowance to noncurrent loans | 53.6302% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1778% | 1,271 |
| Noncurrent loans to loans | 6.5115% | 192 |
| Net loans and leases to total assets | 32.2768% | 6,173 |
| Net loans and leases to deposits | 38.3841% | 6,170 |
| Net loans and leases to core deposits | 43.5536% | 6,060 |
| Total domestic deposits to total assets | 84.0890% | 3,723 |
| Equity capital to assets | 15.3706% | 658 |
| Core capital (leverage) ratio | 15.9567% | 484 |
| Tier 1 risk-based capital ratio | 39.9136% | 243 |
| Total risk-based capital ratio | 41.1852% | 241 |
| Memoranda: | ||
| Average total assets | $117,638,000 | 4,267 |
| Average earning assets | $109,520,250 | 4,231 |
| Average equity | $18,599,750 | 3,349 |
| Average total loans | $42,077,000 | 5,162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,079 |
| Cost of funding earning assets | 0.1998% | 5,916 |
| Net interest margin | 4.5936% | 593 |
| Noninterest income to average assets | 0.4830% | 3,609 |
| Noninterest expense to average assets | 3.4359% | 1,599 |
| Loan and lease loss provision to assets | 0.2070% | 1,151 |
| Net operating income to assets | 1.0970% | 1,958 |
| Return on assets (ROA) | 1.0970% | 2,017 |
| Pretax return on assets | 1.1229% | 3,000 |
| Return on Equity (ROE) | 6.8707% | 3,687 |
| Retained earnings to average equity (ytd only) | -0.5077% | 5,773 |
| Net charge-offs to loans | 0.0613% | 3,103 |
| Credit loss provision to net charge-offs | 923.0769% | 355 |
| Earnings coverage of net charge-offs (x) | 59.3077% | 812 |
| Efficiency ratio | 72.0955% | 3,315 |
| Assets per employee ($millions) | 1.5337% | 6,572 |
| Cash dividends to net income (ytd only)* | 107.3899% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4187% | 256 |
| Loan loss allowance to noncurrent loans | 89.5006% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 2,500 |
| Noncurrent loans to loans | 3.8197% | 648 |
| Net loans and leases to total assets | 33.0137% | 6,201 |
| Net loans and leases to deposits | 39.3345% | 6,175 |
| Net loans and leases to core deposits | 44.7957% | 6,039 |
| Total domestic deposits to total assets | 83.9307% | 3,943 |
| Equity capital to assets | 15.5025% | 614 |
| Core capital (leverage) ratio | 15.9563% | 484 |
| Tier 1 risk-based capital ratio | 38.7739% | 267 |
| Total risk-based capital ratio | 40.0457% | 264 |
| Memoranda: | ||
| Average total assets | $115,952,330 | 4,331 |
| Average earning assets | $108,106,000 | 4,289 |
| Average equity | $18,513,330 | 3,362 |
| Average total loans | $42,424,330 | 5,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 883 |
| Cost of funding earning assets | 0.2196% | 5,852 |
| Net interest margin | 4.6721% | 491 |
| Noninterest income to average assets | 0.4767% | 3,586 |
| Noninterest expense to average assets | 3.4983% | 1,490 |
| Loan and lease loss provision to assets | 0.2103% | 1,091 |
| Net operating income to assets | 1.1427% | 1,654 |
| Return on assets (ROA) | 1.1427% | 1,720 |
| Pretax return on assets | 1.1673% | 2,633 |
| Return on Equity (ROE) | 7.0498% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.0498% | 2,023 |
| Net charge-offs to loans | 0.1852% | 1,613 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 19.6500% | 1,364 |
| Efficiency ratio | 71.7469% | 3,534 |
| Assets per employee ($millions) | 1.4692% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1247% | 383 |
| Loan loss allowance to noncurrent loans | 155.4907% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 3,908 |
| Noncurrent loans to loans | 2.0096% | 1,855 |
| Net loans and leases to total assets | 35.5521% | 6,091 |
| Net loans and leases to deposits | 42.7315% | 6,037 |
| Net loans and leases to core deposits | 48.7633% | 5,838 |
| Total domestic deposits to total assets | 83.1988% | 4,533 |
| Equity capital to assets | 16.1576% | 504 |
| Core capital (leverage) ratio | 16.4264% | 429 |
| Tier 1 risk-based capital ratio | 39.2804% | 248 |
| Total risk-based capital ratio | 40.5499% | 243 |
| Memoranda: | ||
| Average total assets | $114,112,500 | 4,409 |
| Average earning assets | $107,446,000 | 4,332 |
| Average equity | $18,497,000 | 3,352 |
| Average total loans | $43,190,000 | 5,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 838 |
| Cost of funding earning assets | 0.2336% | 6,069 |
| Net interest margin | 4.8116% | 423 |
| Noninterest income to average assets | 0.6186% | 2,986 |
| Noninterest expense to average assets | 3.7547% | 1,208 |
| Loan and lease loss provision to assets | 0.0365% | 4,390 |
| Net operating income to assets | 1.2336% | 1,441 |
| Return on assets (ROA) | 1.2336% | 1,503 |
| Pretax return on assets | 1.2628% | 2,304 |
| Return on Equity (ROE) | 7.3660% | 3,374 |
| Retained earnings to average equity (ytd only) | 2.9856% | 4,118 |
| Net charge-offs to loans | -0.0047% | 5,921 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2914% | 3,085 |
| Assets per employee ($millions) | 1.3846% | 6,728 |
| Cash dividends to net income (ytd only)* | 59.4675% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9508% | 502 |
| Loan loss allowance to noncurrent loans | 81.6688% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 2,630 |
| Noncurrent loans to loans | 3.6132% | 846 |
| Net loans and leases to total assets | 37.8865% | 6,102 |
| Net loans and leases to deposits | 45.6393% | 6,036 |
| Net loans and leases to core deposits | 52.6791% | 5,748 |
| Total domestic deposits to total assets | 83.0129% | 4,540 |
| Equity capital to assets | 16.2631% | 493 |
| Core capital (leverage) ratio | 16.9043% | 383 |
| Tier 1 risk-based capital ratio | 37.8027% | 265 |
| Total risk-based capital ratio | 39.0697% | 262 |
| Memoranda: | ||
| Average total assets | $109,594,800 | 4,506 |
| Average earning assets | $101,027,200 | 4,481 |
| Average equity | $18,354,600 | 3,360 |
| Average total loans | $42,248,600 | 5,256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 819 |
| Cost of funding earning assets | 0.2329% | 6,203 |
| Net interest margin | 4.8377% | 403 |
| Noninterest income to average assets | 0.5666% | 3,354 |
| Noninterest expense to average assets | 3.6846% | 1,270 |
| Loan and lease loss provision to assets | 0.1713% | 2,122 |
| Net operating income to assets | 1.1442% | 1,837 |
| Return on assets (ROA) | 1.1442% | 1,908 |
| Pretax return on assets | 1.1589% | 2,853 |
| Return on Equity (ROE) | 6.7814% | 3,768 |
| Retained earnings to average equity (ytd only) | 0.9501% | 5,602 |
| Net charge-offs to loans | -0.2675% | 6,706 |
| Credit loss provision to net charge-offs | -166.6667% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4749% | 3,148 |
| Assets per employee ($millions) | 1.4158% | 6,806 |
| Cash dividends to net income (ytd only)* | 85.9887% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5618% | 317 |
| Loan loss allowance to noncurrent loans | 80.5358% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 2,510 |
| Noncurrent loans to loans | 4.4226% | 749 |
| Net loans and leases to total assets | 35.6592% | 6,294 |
| Net loans and leases to deposits | 42.9367% | 6,266 |
| Net loans and leases to core deposits | 49.5712% | 6,039 |
| Total domestic deposits to total assets | 83.0507% | 4,553 |
| Equity capital to assets | 16.2037% | 513 |
| Core capital (leverage) ratio | 16.3937% | 441 |
| Tier 1 risk-based capital ratio | 38.4423% | 263 |
| Total risk-based capital ratio | 39.7161% | 258 |
| Memoranda: | ||
| Average total assets | $108,954,500 | 4,557 |
| Average earning assets | $100,182,750 | 4,555 |
| Average equity | $18,383,250 | 3,389 |
| Average total loans | $41,864,750 | 5,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 673 |
| Cost of funding earning assets | 0.2301% | 6,308 |
| Net interest margin | 4.9379% | 343 |
| Noninterest income to average assets | 0.5778% | 3,334 |
| Noninterest expense to average assets | 3.6522% | 1,327 |
| Loan and lease loss provision to assets | 0.2222% | 1,705 |
| Net operating income to assets | 1.2334% | 1,505 |
| Return on assets (ROA) | 1.2334% | 1,607 |
| Pretax return on assets | 1.2334% | 2,549 |
| Return on Equity (ROE) | 7.2117% | 3,486 |
| Retained earnings to average equity (ytd only) | -1.4943% | 6,125 |
| Net charge-offs to loans | -0.4282% | 6,811 |
| Credit loss provision to net charge-offs | -133.3333% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5011% | 3,557 |
| Assets per employee ($millions) | 1.3678% | 6,855 |
| Cash dividends to net income (ytd only)* | 120.7207% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5244% | 360 |
| Loan loss allowance to noncurrent loans | 136.1007% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 3,808 |
| Noncurrent loans to loans | 2.5896% | 1,778 |
| Net loans and leases to total assets | 36.4987% | 6,269 |
| Net loans and leases to deposits | 43.9541% | 6,231 |
| Net loans and leases to core deposits | 49.0416% | 6,076 |
| Total domestic deposits to total assets | 83.0383% | 4,687 |
| Equity capital to assets | 16.3549% | 482 |
| Core capital (leverage) ratio | 16.6104% | 407 |
| Tier 1 risk-based capital ratio | 37.3413% | 280 |
| Total risk-based capital ratio | 38.6132% | 276 |
| Memoranda: | ||
| Average total assets | $107,991,000 | 4,607 |
| Average earning assets | $99,069,670 | 4,617 |
| Average equity | $18,470,000 | 3,399 |
| Average total loans | $42,034,330 | 5,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 499 |
| Cost of funding earning assets | 0.2316% | 6,402 |
| Net interest margin | 5.0838% | 247 |
| Noninterest income to average assets | 0.6600% | 2,816 |
| Noninterest expense to average assets | 3.7064% | 1,241 |
| Loan and lease loss provision to assets | 0.2237% | 1,647 |
| Net operating income to assets | 1.3945% | 1,040 |
| Return on assets (ROA) | 1.3945% | 1,126 |
| Pretax return on assets | 1.3945% | 1,873 |
| Return on Equity (ROE) | 7.9757% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.9757% | 1,758 |
| Net charge-offs to loans | -0.1417% | 6,581 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6078% | 4,038 |
| Assets per employee ($millions) | 1.3796% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1364% | 582 |
| Loan loss allowance to noncurrent loans | 166.8766% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 4,571 |
| Noncurrent loans to loans | 1.8795% | 2,759 |
| Net loans and leases to total assets | 37.0762% | 6,217 |
| Net loans and leases to deposits | 45.0349% | 6,119 |
| Net loans and leases to core deposits | 49.9878% | 5,976 |
| Total domestic deposits to total assets | 82.3276% | 5,086 |
| Equity capital to assets | 17.1306% | 414 |
| Core capital (leverage) ratio | 16.9626% | 356 |
| Tier 1 risk-based capital ratio | 37.4185% | 280 |
| Total risk-based capital ratio | 38.6863% | 276 |
| Memoranda: | ||
| Average total assets | $107,275,000 | 4,672 |
| Average earning assets | $98,430,000 | 4,671 |
| Average equity | $18,757,000 | 3,414 |
| Average total loans | $42,353,000 | 5,360 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9884% | 267 |
| Cost of funding earning assets | 0.2818% | 6,545 |
| Net interest margin | 5.7066% | 128 |
| Noninterest income to average assets | 0.6004% | 3,275 |
| Noninterest expense to average assets | 4.2208% | 752 |
| Loan and lease loss provision to assets | 0.0200% | 5,653 |
| Net operating income to assets | 1.5994% | 760 |
| Return on assets (ROA) | 1.5994% | 843 |
| Pretax return on assets | 1.5994% | 1,389 |
| Return on Equity (ROE) | 8.8433% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.4575% | 3,098 |
| Net charge-offs to loans | 0.8466% | 1,360 |
| Credit loss provision to net charge-offs | 5.7637% | 5,438 |
| Earnings coverage of net charge-offs (x) | 4.6715% | 3,291 |
| Efficiency ratio | 72.2716% | 3,367 |
| Assets per employee ($millions) | 1.3356% | 7,003 |
| Cash dividends to net income (ytd only)* | 49.5940% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9416% | 699 |
| Loan loss allowance to noncurrent loans | 176.1636% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 4,782 |
| Noncurrent loans to loans | 1.6698% | 3,119 |
| Net loans and leases to total assets | 39.5575% | 6,205 |
| Net loans and leases to deposits | 48.5024% | 6,073 |
| Net loans and leases to core deposits | 54.2464% | 5,852 |
| Total domestic deposits to total assets | 81.5579% | 5,240 |
| Equity capital to assets | 17.8604% | 336 |
| Core capital (leverage) ratio | 17.8728% | 290 |
| Tier 1 risk-based capital ratio | 36.3388% | 305 |
| Total risk-based capital ratio | 37.5951% | 297 |
| Memoranda: | ||
| Average total assets | $100,098,800 | 4,833 |
| Average earning assets | $91,911,600 | 4,814 |
| Average equity | $18,104,200 | 3,450 |
| Average total loans | $40,985,800 | 5,460 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 488 |
| Cost of funding earning assets | 0.2925% | 6,648 |
| Net interest margin | 5.3807% | 208 |
| Noninterest income to average assets | 0.6190% | 3,160 |
| Noninterest expense to average assets | 4.2672% | 674 |
| Loan and lease loss provision to assets | 0.2422% | 2,628 |
| Net operating income to assets | 1.0604% | 2,252 |
| Return on assets (ROA) | 1.0604% | 2,463 |
| Pretax return on assets | 1.0604% | 3,498 |
| Return on Equity (ROE) | 5.8439% | 4,409 |
| Retained earnings to average equity (ytd only) | -0.0445% | 6,086 |
| Net charge-offs to loans | 0.6631% | 1,655 |
| Credit loss provision to net charge-offs | 89.1089% | 3,323 |
| Earnings coverage of net charge-offs (x) | 4.7920% | 3,202 |
| Efficiency ratio | 76.6127% | 2,581 |
| Assets per employee ($millions) | 1.3542% | 7,096 |
| Cash dividends to net income (ytd only)* | 100.7614% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7232% | 385 |
| Loan loss allowance to noncurrent loans | 70.9589% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.0733% | 2,562 |
| Noncurrent loans to loans | 5.2470% | 837 |
| Net loans and leases to total assets | 38.0429% | 6,414 |
| Net loans and leases to deposits | 46.1312% | 6,375 |
| Net loans and leases to core deposits | 52.1072% | 6,175 |
| Total domestic deposits to total assets | 82.4668% | 4,848 |
| Equity capital to assets | 16.9340% | 470 |
| Core capital (leverage) ratio | 17.2896% | 352 |
| Tier 1 risk-based capital ratio | 35.2605% | 352 |
| Total risk-based capital ratio | 36.5343% | 341 |
| Memoranda: | ||
| Average total assets | $99,078,500 | 4,902 |
| Average earning assets | $91,162,250 | 4,881 |
| Average equity | $17,978,500 | 3,509 |
| Average total loans | $40,617,250 | 5,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 508 |
| Cost of funding earning assets | 0.3054% | 6,720 |
| Net interest margin | 5.3714% | 222 |
| Noninterest income to average assets | 0.6234% | 3,111 |
| Noninterest expense to average assets | 4.3222% | 639 |
| Loan and lease loss provision to assets | 0.2477% | 2,587 |
| Net operating income to assets | 0.9908% | 2,503 |
| Return on assets (ROA) | 0.9908% | 2,732 |
| Pretax return on assets | 0.9908% | 3,736 |
| Return on Equity (ROE) | 5.3307% | 4,654 |
| Retained earnings to average equity (ytd only) | -3.4871% | 6,510 |
| Net charge-offs to loans | 0.8548% | 1,297 |
| Credit loss provision to net charge-offs | 69.7674% | 3,569 |
| Earnings coverage of net charge-offs (x) | 3.4884% | 3,353 |
| Efficiency ratio | 77.7283% | 2,495 |
| Assets per employee ($millions) | 1.1816% | 7,171 |
| Cash dividends to net income (ytd only)* | 165.4167% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6913% | 428 |
| Loan loss allowance to noncurrent loans | 69.7164% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.1765% | 2,567 |
| Noncurrent loans to loans | 5.2948% | 898 |
| Net loans and leases to total assets | 39.5890% | 6,375 |
| Net loans and leases to deposits | 48.3047% | 6,291 |
| Net loans and leases to core deposits | 54.9700% | 6,023 |
| Total domestic deposits to total assets | 81.9568% | 5,151 |
| Equity capital to assets | 17.5623% | 382 |
| Core capital (leverage) ratio | 17.2040% | 343 |
| Tier 1 risk-based capital ratio | 36.0964% | 317 |
| Total risk-based capital ratio | 37.3713% | 313 |
| Memoranda: | ||
| Average total assets | $96,895,330 | 4,983 |
| Average earning assets | $89,064,330 | 4,965 |
| Average equity | $18,009,000 | 3,496 |
| Average total loans | $40,243,670 | 5,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 513 |
| Cost of funding earning assets | 0.3128% | 6,806 |
| Net interest margin | 5.3939% | 218 |
| Noninterest income to average assets | 0.6013% | 3,227 |
| Noninterest expense to average assets | 4.3186% | 645 |
| Loan and lease loss provision to assets | 0.2523% | 2,434 |
| Net operating income to assets | 1.0344% | 2,348 |
| Return on assets (ROA) | 1.0344% | 2,536 |
| Pretax return on assets | 1.0344% | 3,554 |
| Return on Equity (ROE) | 5.4084% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.4084% | 3,308 |
| Net charge-offs to loans | 0.2014% | 2,911 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,425 |
| Efficiency ratio | 77.0443% | 2,643 |
| Assets per employee ($millions) | 1.2195% | 7,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0626% | 351 |
| Loan loss allowance to noncurrent loans | 122.6100% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 3,958 |
| Noncurrent loans to loans | 3.3135% | 1,923 |
| Net loans and leases to total assets | 37.7025% | 6,511 |
| Net loans and leases to deposits | 46.2339% | 6,415 |
| Net loans and leases to core deposits | 52.5858% | 6,159 |
| Total domestic deposits to total assets | 81.5474% | 5,446 |
| Equity capital to assets | 18.0317% | 338 |
| Core capital (leverage) ratio | 18.1537% | 289 |
| Tier 1 risk-based capital ratio | 39.1467% | 245 |
| Total risk-based capital ratio | 40.4264% | 240 |
| Memoranda: | ||
| Average total assets | $95,124,500 | 5,060 |
| Average earning assets | $88,247,500 | 5,014 |
| Average equity | $18,194,000 | 3,464 |
| Average total loans | $39,722,500 | 5,654 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3856% | 219 |
| Cost of funding earning assets | 0.3681% | 6,968 |
| Net interest margin | 6.0175% | 88 |
| Noninterest income to average assets | 0.6903% | 2,662 |
| Noninterest expense to average assets | 4.3762% | 668 |
| Loan and lease loss provision to assets | 0.0670% | 5,772 |
| Net operating income to assets | 1.7793% | 478 |
| Return on assets (ROA) | 1.7793% | 520 |
| Pretax return on assets | 1.7793% | 845 |
| Return on Equity (ROE) | 9.0302% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.7957% | 2,793 |
| Net charge-offs to loans | 0.0721% | 5,599 |
| Credit loss provision to net charge-offs | 206.8966% | 1,200 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 498 |
| Efficiency ratio | 70.3285% | 3,883 |
| Assets per employee ($millions) | 1.1129% | 7,294 |
| Cash dividends to net income (ytd only)* | 46.8927% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9730% | 390 |
| Loan loss allowance to noncurrent loans | 111.9318% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,571 |
| Noncurrent loans to loans | 3.5495% | 1,805 |
| Net loans and leases to total assets | 42.7841% | 6,318 |
| Net loans and leases to deposits | 54.0680% | 6,066 |
| Net loans and leases to core deposits | 62.1332% | 5,640 |
| Total domestic deposits to total assets | 79.1302% | 5,962 |
| Equity capital to assets | 20.3711% | 211 |
| Core capital (leverage) ratio | 19.4296% | 222 |
| Tier 1 risk-based capital ratio | 38.2165% | 267 |
| Total risk-based capital ratio | 39.4942% | 260 |
| Memoranda: | ||
| Average total assets | $89,529,800 | 5,195 |
| Average earning assets | $82,309,800 | 5,162 |
| Average equity | $17,640,800 | 3,484 |
| Average total loans | $40,243,200 | 5,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4121% | 222 |
| Cost of funding earning assets | 0.3839% | 7,049 |
| Net interest margin | 6.0281% | 89 |
| Noninterest income to average assets | 0.7094% | 2,546 |
| Noninterest expense to average assets | 4.4853% | 583 |
| Loan and lease loss provision to assets | 0.2379% | 3,624 |
| Net operating income to assets | 1.5199% | 894 |
| Return on assets (ROA) | 1.5199% | 973 |
| Pretax return on assets | 1.5199% | 1,598 |
| Return on Equity (ROE) | 7.7790% | 3,147 |
| Retained earnings to average equity (ytd only) | 2.0932% | 5,093 |
| Net charge-offs to loans | -0.1023% | 7,169 |
| Credit loss provision to net charge-offs | -516.1290% | 6,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8437% | 3,583 |
| Assets per employee ($millions) | 1.1163% | 7,369 |
| Cash dividends to net income (ytd only)* | 73.0925% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5380% | 255 |
| Loan loss allowance to noncurrent loans | 80.7066% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 2,674 |
| Noncurrent loans to loans | 5.6228% | 1,041 |
| Net loans and leases to total assets | 40.8938% | 6,572 |
| Net loans and leases to deposits | 51.3889% | 6,420 |
| Net loans and leases to core deposits | 58.0293% | 6,126 |
| Total domestic deposits to total assets | 79.5772% | 5,850 |
| Equity capital to assets | 19.7588% | 257 |
| Core capital (leverage) ratio | 18.4551% | 290 |
| Tier 1 risk-based capital ratio | 37.9788% | 283 |
| Total risk-based capital ratio | 39.2622% | 277 |
| Memoranda: | ||
| Average total assets | $89,654,000 | 5,230 |
| Average earning assets | $82,301,000 | 5,208 |
| Average equity | $17,516,750 | 3,511 |
| Average total loans | $40,387,000 | 5,725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5437% | 192 |
| Cost of funding earning assets | 0.4037% | 7,116 |
| Net interest margin | 6.1400% | 85 |
| Noninterest income to average assets | 0.7553% | 2,235 |
| Noninterest expense to average assets | 4.4780% | 608 |
| Loan and lease loss provision to assets | 0.2673% | 3,263 |
| Net operating income to assets | 1.6353% | 686 |
| Return on assets (ROA) | 1.6353% | 729 |
| Pretax return on assets | 1.6353% | 1,192 |
| Return on Equity (ROE) | 8.4011% | 2,768 |
| Retained earnings to average equity (ytd only) | -0.1488% | 5,866 |
| Net charge-offs to loans | -0.2482% | 7,323 |
| Credit loss provision to net charge-offs | -235.2941% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1816% | 4,082 |
| Assets per employee ($millions) | 1.0579% | 7,448 |
| Cash dividends to net income (ytd only)* | 101.7711% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1708% | 365 |
| Loan loss allowance to noncurrent loans | 155.0136% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 4,285 |
| Noncurrent loans to loans | 2.6906% | 2,708 |
| Net loans and leases to total assets | 46.5886% | 6,204 |
| Net loans and leases to deposits | 59.2531% | 5,800 |
| Net loans and leases to core deposits | 67.4935% | 5,339 |
| Total domestic deposits to total assets | 78.6265% | 6,167 |
| Equity capital to assets | 20.5499% | 233 |
| Core capital (leverage) ratio | 18.1416% | 320 |
| Tier 1 risk-based capital ratio | 34.2540% | 377 |
| Total risk-based capital ratio | 35.5323% | 366 |
| Memoranda: | ||
| Average total assets | $89,771,330 | 5,260 |
| Average earning assets | $82,247,000 | 5,255 |
| Average equity | $17,474,000 | 3,498 |
| Average total loans | $41,097,670 | 5,752 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4572% | 228 |
| Cost of funding earning assets | 0.4239% | 7,176 |
| Net interest margin | 6.0333% | 96 |
| Noninterest income to average assets | 0.6541% | 2,816 |
| Noninterest expense to average assets | 4.2667% | 746 |
| Loan and lease loss provision to assets | 0.2599% | 3,059 |
| Net operating income to assets | 1.6764% | 597 |
| Return on assets (ROA) | 1.6764% | 633 |
| Pretax return on assets | 1.6764% | 1,024 |
| Return on Equity (ROE) | 8.8379% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.8379% | 1,431 |
| Net charge-offs to loans | -0.5551% | 7,422 |
| Credit loss provision to net charge-offs | -105.2632% | 5,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7849% | 4,513 |
| Assets per employee ($millions) | 1.1478% | 7,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0756% | 404 |
| Loan loss allowance to noncurrent loans | 150.1355% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2056% | 4,539 |
| Noncurrent loans to loans | 2.7146% | 2,781 |
| Net loans and leases to total assets | 42.6009% | 6,571 |
| Net loans and leases to deposits | 53.1705% | 6,368 |
| Net loans and leases to core deposits | 61.0850% | 6,006 |
| Total domestic deposits to total assets | 80.1213% | 5,912 |
| Equity capital to assets | 19.2209% | 294 |
| Core capital (leverage) ratio | 18.5237% | 298 |
| Tier 1 risk-based capital ratio | 35.4592% | 336 |
| Total risk-based capital ratio | 36.7368% | 328 |
| Memoranda: | ||
| Average total assets | $92,343,000 | 5,226 |
| Average earning assets | $84,928,000 | 5,189 |
| Average equity | $17,515,500 | 3,487 |
| Average total loans | $41,075,000 | 5,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8557% | 182 |
| Cost of funding earning assets | 0.5657% | 7,193 |
| Net interest margin | 6.2900% | 79 |
| Noninterest income to average assets | 0.6419% | 3,199 |
| Noninterest expense to average assets | 4.4612% | 678 |
| Loan and lease loss provision to assets | 0.1021% | 6,122 |
| Net operating income to assets | 1.7033% | 511 |
| Return on assets (ROA) | 1.7033% | 555 |
| Pretax return on assets | 1.7146% | 915 |
| Return on Equity (ROE) | 8.8747% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.1227% | 2,350 |
| Net charge-offs to loans | -0.1255% | 7,514 |
| Credit loss provision to net charge-offs | -180.0000% | 7,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0621% | 3,983 |
| Assets per employee ($millions) | 1.1906% | 7,578 |
| Cash dividends to net income (ytd only)* | 42.2770% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7345% | 504 |
| Loan loss allowance to noncurrent loans | 140.3270% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 4,643 |
| Noncurrent loans to loans | 2.6613% | 2,855 |
| Net loans and leases to total assets | 42.8864% | 6,802 |
| Net loans and leases to deposits | 53.1886% | 6,664 |
| Net loans and leases to core deposits | 61.7448% | 6,253 |
| Total domestic deposits to total assets | 80.6308% | 5,648 |
| Equity capital to assets | 18.7177% | 333 |
| Core capital (leverage) ratio | 17.7504% | 344 |
| Tier 1 risk-based capital ratio | 33.3687% | 392 |
| Total risk-based capital ratio | 34.6428% | 383 |
| Memoranda: | ||
| Average total assets | $88,181,800 | 5,343 |
| Average earning assets | $79,014,000 | 5,384 |
| Average equity | $16,924,600 | 3,607 |
| Average total loans | $39,834,000 | 5,929 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9221% | 163 |
| Cost of funding earning assets | 0.5681% | 7,354 |
| Net interest margin | 6.3540% | 73 |
| Noninterest income to average assets | 0.6589% | 3,079 |
| Noninterest expense to average assets | 4.6951% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.6197% | 721 |
| Return on assets (ROA) | 1.6197% | 787 |
| Pretax return on assets | 1.6197% | 1,293 |
| Return on Equity (ROE) | 8.3836% | 2,751 |
| Retained earnings to average equity (ytd only) | 3.3471% | 4,094 |
| Net charge-offs to loans | -0.3853% | 7,668 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3509% | 3,258 |
| Assets per employee ($millions) | 1.1651% | 7,681 |
| Cash dividends to net income (ytd only)* | 60.0759% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6903% | 475 |
| Loan loss allowance to noncurrent loans | 121.9101% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 4,426 |
| Noncurrent loans to loans | 3.0271% | 2,635 |
| Net loans and leases to total assets | 43.6237% | 6,869 |
| Net loans and leases to deposits | 54.3718% | 6,738 |
| Net loans and leases to core deposits | 62.3288% | 6,428 |
| Total domestic deposits to total assets | 80.2322% | 5,630 |
| Equity capital to assets | 18.8644% | 357 |
| Core capital (leverage) ratio | 18.0553% | 347 |
| Tier 1 risk-based capital ratio | 32.4585% | 419 |
| Total risk-based capital ratio | 33.7318% | 411 |
| Memoranda: | ||
| Average total assets | $87,011,250 | 5,443 |
| Average earning assets | $77,451,000 | 5,500 |
| Average equity | $16,810,250 | 3,675 |
| Average total loans | $39,449,750 | 6,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1449% | 131 |
| Cost of funding earning assets | 0.5632% | 7,463 |
| Net interest margin | 6.5817% | 65 |
| Noninterest income to average assets | 0.6649% | 2,930 |
| Noninterest expense to average assets | 4.7828% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6355% | 673 |
| Return on assets (ROA) | 1.6355% | 722 |
| Pretax return on assets | 1.6355% | 1,201 |
| Return on Equity (ROE) | 8.3955% | 2,716 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,455 |
| Net charge-offs to loans | -0.6019% | 7,746 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5184% | 3,365 |
| Assets per employee ($millions) | 1.1834% | 7,752 |
| Cash dividends to net income (ytd only)* | 90.5849% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8377% | 421 |
| Loan loss allowance to noncurrent loans | 119.5601% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 4,320 |
| Noncurrent loans to loans | 3.2099% | 2,495 |
| Net loans and leases to total assets | 42.9688% | 6,987 |
| Net loans and leases to deposits | 53.4558% | 6,897 |
| Net loans and leases to core deposits | 60.7277% | 6,657 |
| Total domestic deposits to total assets | 80.3820% | 5,601 |
| Equity capital to assets | 18.8327% | 355 |
| Core capital (leverage) ratio | 18.0883% | 351 |
| Tier 1 risk-based capital ratio | 28.9604% | 572 |
| Total risk-based capital ratio | 30.0491% | 566 |
| Memoranda: | ||
| Average total assets | $85,723,330 | 5,512 |
| Average earning assets | $74,935,000 | 5,611 |
| Average equity | $16,699,330 | 3,683 |
| Average total loans | $38,879,000 | 6,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6591% | 92 |
| Cost of funding earning assets | 0.5758% | 7,566 |
| Net interest margin | 7.0833% | 61 |
| Noninterest income to average assets | 0.7410% | 2,355 |
| Noninterest expense to average assets | 4.9449% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8146% | 479 |
| Return on assets (ROA) | 1.8146% | 527 |
| Pretax return on assets | 1.8146% | 856 |
| Return on Equity (ROE) | 9.1544% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.1544% | 1,358 |
| Net charge-offs to loans | -1.0081% | 7,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1553% | 3,733 |
| Assets per employee ($millions) | 1.0564% | 7,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8166% | 430 |
| Loan loss allowance to noncurrent loans | 117.1607% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 4,201 |
| Noncurrent loans to loans | 3.2576% | 2,451 |
| Net loans and leases to total assets | 45.3573% | 6,886 |
| Net loans and leases to deposits | 57.4246% | 6,662 |
| Net loans and leases to core deposits | 64.3971% | 6,426 |
| Total domestic deposits to total assets | 78.9858% | 6,084 |
| Equity capital to assets | 20.1575% | 282 |
| Core capital (leverage) ratio | 18.9874% | 309 |
| Tier 1 risk-based capital ratio | 33.6897% | 388 |
| Total risk-based capital ratio | 34.9626% | 382 |
| Memoranda: | ||
| Average total assets | $84,207,500 | 5,627 |
| Average earning assets | $71,548,500 | 5,794 |
| Average equity | $16,691,500 | 3,719 |
| Average total loans | $38,489,000 | 6,192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6459% | 518 |
| Cost of funding earning assets | 0.6035% | 7,775 |
| Net interest margin | 6.0424% | 108 |
| Noninterest income to average assets | 0.6778% | 3,098 |
| Noninterest expense to average assets | 4.5189% | 783 |
| Loan and lease loss provision to assets | -0.1200% | 7,990 |
| Net operating income to assets | 1.3984% | 854 |
| Return on assets (ROA) | 1.5331% | 669 |
| Pretax return on assets | 1.5955% | 978 |
| Return on Equity (ROE) | 7.8422% | 2,440 |
| Retained earnings to average equity (ytd only) | 4.3997% | 2,167 |
| Net charge-offs to loans | 0.0031% | 7,206 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,512 |
| Earnings coverage of net charge-offs (x) | 1,113.0000% | 21 |
| Efficiency ratio | 77.1926% | 3,329 |
| Assets per employee ($millions) | 1.0620% | 7,946 |
| Cash dividends to net income (ytd only)* | 43.8967% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7343% | 430 |
| Loan loss allowance to noncurrent loans | 104.0741% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 3,994 |
| Noncurrent loans to loans | 3.5881% | 2,113 |
| Net loans and leases to total assets | 42.6296% | 7,213 |
| Net loans and leases to deposits | 53.4843% | 7,087 |
| Net loans and leases to core deposits | 65.2042% | 7,023 |
| Total domestic deposits to total assets | 79.7050% | 5,771 |
| Equity capital to assets | 19.4922% | 331 |
| Core capital (leverage) ratio | 19.3224% | 321 |
| Tier 1 risk-based capital ratio | 34.8102% | 346 |
| Total risk-based capital ratio | 36.0757% | 343 |
| Memoranda: | ||
| Average total assets | $83,360,800 | 5,615 |
| Average earning assets | $71,412,400 | 5,771 |
| Average equity | $16,296,400 | 3,822 |
| Average total loans | $32,370,000 | 6,499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4597% | 822 |
| Cost of funding earning assets | 0.6154% | 7,878 |
| Net interest margin | 5.8443% | 129 |
| Noninterest income to average assets | 0.6589% | 3,299 |
| Noninterest expense to average assets | 4.5402% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0514% | 1,893 |
| Return on assets (ROA) | 1.0543% | 1,946 |
| Pretax return on assets | 1.1587% | 2,382 |
| Return on Equity (ROE) | 5.3889% | 3,793 |
| Retained earnings to average equity (ytd only) | 0.7804% | 4,851 |
| Net charge-offs to loans | -0.2404% | 7,982 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7122% | 2,894 |
| Assets per employee ($millions) | 1.0967% | 8,029 |
| Cash dividends to net income (ytd only)* | 85.5186% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8051% | 158 |
| Loan loss allowance to noncurrent loans | 107.0596% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.8224% | 3,617 |
| Noncurrent loans to loans | 4.4883% | 1,561 |
| Net loans and leases to total assets | 38.6527% | 7,526 |
| Net loans and leases to deposits | 49.4890% | 7,431 |
| Net loans and leases to core deposits | 63.0668% | 7,284 |
| Total domestic deposits to total assets | 78.1036% | 6,054 |
| Equity capital to assets | 20.1539% | 331 |
| Core capital (leverage) ratio | 18.4208% | 423 |
| Tier 1 risk-based capital ratio | 38.7622% | 304 |
| Total risk-based capital ratio | 40.0454% | 297 |
| Memoranda: | ||
| Average total assets | $82,960,500 | 5,661 |
| Average earning assets | $71,497,500 | 5,803 |
| Average equity | $16,230,250 | 3,866 |
| Average total loans | $31,056,500 | 6,626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2970% | 1,213 |
| Cost of funding earning assets | 0.6197% | 7,977 |
| Net interest margin | 5.6773% | 145 |
| Noninterest income to average assets | 0.6482% | 3,352 |
| Noninterest expense to average assets | 4.3657% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9961% | 2,124 |
| Return on assets (ROA) | 0.9961% | 2,219 |
| Pretax return on assets | 1.1510% | 2,461 |
| Return on Equity (ROE) | 5.1408% | 4,016 |
| Retained earnings to average equity (ytd only) | -1.7587% | 5,685 |
| Net charge-offs to loans | -0.3467% | 8,082 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1361% | 3,170 |
| Assets per employee ($millions) | 1.2194% | 8,109 |
| Cash dividends to net income (ytd only)* | 134.2105% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0792% | 123 |
| Loan loss allowance to noncurrent loans | 85.2845% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 2,869 |
| Noncurrent loans to loans | 5.9556% | 921 |
| Net loans and leases to total assets | 36.2020% | 7,697 |
| Net loans and leases to deposits | 45.4581% | 7,658 |
| Net loans and leases to core deposits | 58.5087% | 7,504 |
| Total domestic deposits to total assets | 79.6382% | 5,578 |
| Equity capital to assets | 19.7157% | 406 |
| Core capital (leverage) ratio | 17.9094% | 519 |
| Tier 1 risk-based capital ratio | 38.2884% | 341 |
| Total risk-based capital ratio | 39.5735% | 335 |
| Memoranda: | ||
| Average total assets | $83,927,670 | 5,657 |
| Average earning assets | $71,970,330 | 5,827 |
| Average equity | $16,262,000 | 3,869 |
| Average total loans | $30,573,000 | 6,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3656% | 1,141 |
| Cost of funding earning assets | 0.6460% | 8,028 |
| Net interest margin | 5.7196% | 135 |
| Noninterest income to average assets | 0.6912% | 2,942 |
| Noninterest expense to average assets | 4.3665% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9947% | 2,332 |
| Return on assets (ROA) | 0.9947% | 2,468 |
| Pretax return on assets | 1.1208% | 2,906 |
| Return on Equity (ROE) | 5.1763% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.1763% | 3,024 |
| Net charge-offs to loans | -0.3015% | 8,068 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5745% | 2,894 |
| Assets per employee ($millions) | 1.1377% | 8,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1300% | 101 |
| Loan loss allowance to noncurrent loans | 95.5625% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 3,102 |
| Noncurrent loans to loans | 5.3682% | 983 |
| Net loans and leases to total assets | 33.1368% | 7,827 |
| Net loans and leases to deposits | 41.3271% | 7,801 |
| Net loans and leases to core deposits | 51.4539% | 7,744 |
| Total domestic deposits to total assets | 80.1819% | 5,295 |
| Equity capital to assets | 19.2439% | 461 |
| Core capital (leverage) ratio | 17.5362% | 600 |
| Tier 1 risk-based capital ratio | 40.6062% | 314 |
| Total risk-based capital ratio | 41.8896% | 302 |
| Memoranda: | ||
| Average total assets | $85,652,000 | 5,622 |
| Average earning assets | $71,823,500 | 5,851 |
| Average equity | $16,459,500 | 3,852 |
| Average total loans | $30,512,500 | 6,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9599% | 1,233 |
| Cost of funding earning assets | 0.9805% | 8,064 |
| Net interest margin | 5.9794% | 110 |
| Noninterest income to average assets | 0.7886% | 2,581 |
| Noninterest expense to average assets | 4.6300% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3616% | 1,319 |
| Return on assets (ROA) | 1.4275% | 1,129 |
| Pretax return on assets | 1.4275% | 1,878 |
| Return on Equity (ROE) | 7.3444% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.3852% | 3,048 |
| Net charge-offs to loans | -0.4549% | 8,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2747% | 3,042 |
| Assets per employee ($millions) | 1.2109% | 8,216 |
| Cash dividends to net income (ytd only)* | 53.9076% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8238% | 107 |
| Loan loss allowance to noncurrent loans | 100.3331% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 2,801 |
| Noncurrent loans to loans | 4.8078% | 943 |
| Net loans and leases to total assets | 34.5620% | 7,877 |
| Net loans and leases to deposits | 43.1094% | 7,872 |
| Net loans and leases to core deposits | 54.1920% | 7,796 |
| Total domestic deposits to total assets | 80.1728% | 4,952 |
| Equity capital to assets | 19.1897% | 528 |
| Core capital (leverage) ratio | 19.0049% | 512 |
| Tier 1 risk-based capital ratio | 37.4164% | 386 |
| Total risk-based capital ratio | 38.6975% | 377 |
| Memoranda: | ||
| Average total assets | $78,876,400 | 5,734 |
| Average earning assets | $68,636,200 | 5,865 |
| Average equity | $15,331,400 | 4,065 |
| Average total loans | $30,336,000 | 6,686 |