Home > F & M Bank Minnesota > Performance and Condition Ratios
F & M Bank Minnesota, Performance and Condition Ratios
| 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 | 2.9892% | 4,110 |
| Cost of funding earning assets | 0.3485% | 2,530 |
| Net interest margin | 2.6407% | 4,074 |
| Noninterest income to average assets | 0.2100% | 4,124 |
| Noninterest expense to average assets | 2.2238% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5330% | 4,112 |
| Return on assets (ROA) | 0.5330% | 4,150 |
| Pretax return on assets | 0.5330% | 4,298 |
| Return on Equity (ROE) | 6.1014% | 3,832 |
| Retained earnings to average equity (ytd only) | -1.1421% | 4,477 |
| Net charge-offs to loans | -0.0051% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6667% | 783 |
| Assets per employee ($millions) | 6.8260% | 1,911 |
| Cash dividends to net income (ytd only)* | 118.7192% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 3,615 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.8261% | 3,643 |
| Net loans and leases to deposits | 56.9384% | 3,723 |
| Net loans and leases to core deposits | 58.8303% | 3,781 |
| Total domestic deposits to total assets | 87.5088% | 2,083 |
| Equity capital to assets | 8.2893% | 4,289 |
| Core capital (leverage) ratio | 7.2558% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8488% | 2,724 |
| Memoranda: | ||
| Average total assets | $152,355,000 | 3,507 |
| Average earning assets | $146,929,500 | 3,454 |
| Average equity | $13,308,500 | 3,872 |
| Average total loans | $78,475,500 | 3,591 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 2,036 |
| Cost of funding earning assets | 0.3708% | 3,762 |
| Net interest margin | 3.8667% | 1,315 |
| Noninterest income to average assets | 0.1544% | 4,522 |
| Noninterest expense to average assets | 2.4456% | 3,007 |
| Loan and lease loss provision to assets | 0.0218% | 4,123 |
| Net operating income to assets | 1.2427% | 1,404 |
| Return on assets (ROA) | 1.2427% | 1,512 |
| Pretax return on assets | 1.2450% | 2,176 |
| Return on Equity (ROE) | 12.4669% | 1,187 |
| Retained earnings to average equity (ytd only) | -0.1284% | 4,538 |
| Net charge-offs to loans | -0.0024% | 4,008 |
| Credit loss provision to net charge-offs | -1,450.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1248% | 2,657 |
| Assets per employee ($millions) | 6.4223% | 1,979 |
| Cash dividends to net income (ytd only)* | 101.0303% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 3,703 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 51.8536% | 3,675 |
| Net loans and leases to deposits | 60.1832% | 3,746 |
| Net loans and leases to core deposits | 62.3476% | 3,812 |
| Total domestic deposits to total assets | 86.1596% | 2,296 |
| Equity capital to assets | 9.2091% | 3,878 |
| Core capital (leverage) ratio | 7.2057% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6555% | 2,997 |
| Memoranda: | ||
| Average total assets | $132,770,200 | 3,595 |
| Average earning assets | $122,171,200 | 3,601 |
| Average equity | $13,235,000 | 3,838 |
| Average total loans | $82,771,200 | 3,512 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,457 |
| Cost of funding earning assets | 0.3959% | 3,829 |
| Net interest margin | 4.1517% | 805 |
| Noninterest income to average assets | 0.1550% | 4,517 |
| Noninterest expense to average assets | 2.5264% | 2,754 |
| Loan and lease loss provision to assets | 0.1232% | 2,791 |
| Net operating income to assets | 1.2730% | 1,417 |
| Return on assets (ROA) | 1.2730% | 1,526 |
| Pretax return on assets | 1.2761% | 2,136 |
| Return on Equity (ROE) | 12.4981% | 1,246 |
| Retained earnings to average equity (ytd only) | 0.1725% | 4,451 |
| Net charge-offs to loans | -0.0016% | 3,862 |
| Credit loss provision to net charge-offs | -11,900.0000% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3851% | 2,849 |
| Assets per employee ($millions) | 5.9940% | 2,268 |
| Cash dividends to net income (ytd only)* | 98.6201% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,822 |
| Loan loss allowance to noncurrent loans | 471.0204% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 2,694 |
| Noncurrent loans to loans | 0.2930% | 3,227 |
| Net loans and leases to total assets | 62.5272% | 2,942 |
| Net loans and leases to deposits | 73.9757% | 2,959 |
| Net loans and leases to core deposits | 76.6836% | 3,116 |
| Total domestic deposits to total assets | 84.5240% | 2,619 |
| Equity capital to assets | 10.1980% | 3,071 |
| Core capital (leverage) ratio | 8.6326% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9101% | 2,933 |
| Memoranda: | ||
| Average total assets | $129,034,750 | 3,624 |
| Average earning assets | $117,184,750 | 3,647 |
| Average equity | $13,143,000 | 3,853 |
| Average total loans | $84,049,250 | 3,519 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,717 |
| Cost of funding earning assets | 0.4174% | 3,959 |
| Net interest margin | 4.1557% | 1,009 |
| Noninterest income to average assets | 0.1530% | 4,530 |
| Noninterest expense to average assets | 2.5669% | 2,776 |
| Loan and lease loss provision to assets | 0.1858% | 2,163 |
| Net operating income to assets | 1.2195% | 1,588 |
| Return on assets (ROA) | 1.2195% | 1,711 |
| Pretax return on assets | 1.2241% | 2,277 |
| Return on Equity (ROE) | 11.9773% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.4812% | 3,188 |
| Net charge-offs to loans | -0.0071% | 4,106 |
| Credit loss provision to net charge-offs | -3,966.6667% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0938% | 2,941 |
| Assets per employee ($millions) | 6.4974% | 1,777 |
| Cash dividends to net income (ytd only)* | 70.9347% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,632 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.0754% | 2,870 |
| Net loans and leases to deposits | 76.8359% | 2,773 |
| Net loans and leases to core deposits | 80.1926% | 2,933 |
| Total domestic deposits to total assets | 83.3925% | 2,962 |
| Equity capital to assets | 10.4535% | 2,785 |
| Core capital (leverage) ratio | 8.9146% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1115% | 2,939 |
| Memoranda: | ||
| Average total assets | $128,090,000 | 3,618 |
| Average earning assets | $117,861,333 | 3,621 |
| Average equity | $13,041,333 | 3,867 |
| Average total loans | $84,196,333 | 3,513 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,461 |
| Cost of funding earning assets | 0.4878% | 3,997 |
| Net interest margin | 3.9567% | 1,513 |
| Noninterest income to average assets | 0.1604% | 4,571 |
| Noninterest expense to average assets | 2.8814% | 2,179 |
| Loan and lease loss provision to assets | 0.3743% | 827 |
| Net operating income to assets | 0.5694% | 3,686 |
| Return on assets (ROA) | 0.5694% | 3,753 |
| Pretax return on assets | 0.5788% | 3,954 |
| Return on Equity (ROE) | 5.6695% | 3,432 |
| Retained earnings to average equity (ytd only) | -4.1660% | 4,452 |
| Net charge-offs to loans | -0.0048% | 3,855 |
| Credit loss provision to net charge-offs | -11,900.0000% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6669% | 1,862 |
| Assets per employee ($millions) | 6.3014% | 1,460 |
| Cash dividends to net income (ytd only)* | 173.4807% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,751 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.1869% | 2,798 |
| Net loans and leases to deposits | 85.6626% | 2,041 |
| Net loans and leases to core deposits | 89.8432% | 2,362 |
| Total domestic deposits to total assets | 77.2646% | 4,321 |
| Equity capital to assets | 10.1771% | 3,625 |
| Core capital (leverage) ratio | 8.9474% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7363% | 3,173 |
| Memoranda: | ||
| Average total assets | $127,161,500 | 3,618 |
| Average earning assets | $118,077,000 | 3,602 |
| Average equity | $12,770,000 | 3,904 |
| Average total loans | $84,084,500 | 3,512 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 2,127 |
| Cost of funding earning assets | 0.7495% | 2,922 |
| Net interest margin | 4.0241% | 1,774 |
| Noninterest income to average assets | 0.1702% | 4,637 |
| Noninterest expense to average assets | 2.4709% | 3,523 |
| Loan and lease loss provision to assets | 0.0350% | 3,311 |
| Net operating income to assets | 1.3866% | 1,387 |
| Return on assets (ROA) | 1.3874% | 1,461 |
| Pretax return on assets | 1.3874% | 2,209 |
| Return on Equity (ROE) | 14.5817% | 779 |
| Retained earnings to average equity (ytd only) | 0.7352% | 4,481 |
| Net charge-offs to loans | -0.0592% | 4,851 |
| Credit loss provision to net charge-offs | -91.8367% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0208% | 3,378 |
| Assets per employee ($millions) | 6.1093% | 1,553 |
| Cash dividends to net income (ytd only)* | 94.9580% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,741 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.3571% | 3,149 |
| Net loans and leases to deposits | 82.2741% | 2,529 |
| Net loans and leases to core deposits | 86.1608% | 2,777 |
| Total domestic deposits to total assets | 78.2228% | 4,322 |
| Equity capital to assets | 9.9100% | 4,001 |
| Core capital (leverage) ratio | 8.6176% | 4,770 |
| Tier 1 risk-based capital ratio | 10.7295% | 4,955 |
| Total risk-based capital ratio | 11.7474% | 4,945 |
| Memoranda: | ||
| Average total assets | $128,656,400 | 3,583 |
| Average earning assets | $119,008,800 | 3,574 |
| Average equity | $12,241,400 | 3,968 |
| Average total loans | $82,746,200 | 3,547 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 2,188 |
| Cost of funding earning assets | 0.7731% | 2,854 |
| Net interest margin | 4.0050% | 1,917 |
| Noninterest income to average assets | 0.1709% | 4,694 |
| Noninterest expense to average assets | 2.3829% | 3,734 |
| Loan and lease loss provision to assets | 0.0466% | 2,967 |
| Net operating income to assets | 1.4540% | 1,323 |
| Return on assets (ROA) | 1.4550% | 1,372 |
| Pretax return on assets | 1.4550% | 2,097 |
| Return on Equity (ROE) | 15.4520% | 694 |
| Retained earnings to average equity (ytd only) | 1.9686% | 4,282 |
| Net charge-offs to loans | -0.0775% | 4,940 |
| Credit loss provision to net charge-offs | -93.7500% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8933% | 3,669 |
| Assets per employee ($millions) | 6.3678% | 1,349 |
| Cash dividends to net income (ytd only)* | 87.2598% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,756 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.1101% | 3,275 |
| Net loans and leases to deposits | 83.0212% | 2,563 |
| Net loans and leases to core deposits | 86.3141% | 2,881 |
| Total domestic deposits to total assets | 77.2213% | 4,484 |
| Equity capital to assets | 10.1558% | 3,865 |
| Core capital (leverage) ratio | 8.7060% | 4,837 |
| Tier 1 risk-based capital ratio | 11.0288% | 4,896 |
| Total risk-based capital ratio | 12.0683% | 4,885 |
| Memoranda: | ||
| Average total assets | $128,746,750 | 3,620 |
| Average earning assets | $119,348,250 | 3,606 |
| Average equity | $12,123,250 | 4,019 |
| Average total loans | $82,532,500 | 3,588 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 2,313 |
| Cost of funding earning assets | 0.7802% | 2,745 |
| Net interest margin | 3.9359% | 2,133 |
| Noninterest income to average assets | 0.1641% | 4,770 |
| Noninterest expense to average assets | 2.3048% | 3,991 |
| Loan and lease loss provision to assets | 0.0310% | 3,201 |
| Net operating income to assets | 1.4751% | 1,217 |
| Return on assets (ROA) | 1.4767% | 1,264 |
| Pretax return on assets | 1.4767% | 1,931 |
| Return on Equity (ROE) | 16.0972% | 575 |
| Retained earnings to average equity (ytd only) | 5.0789% | 2,731 |
| Net charge-offs to loans | -0.1188% | 5,037 |
| Credit loss provision to net charge-offs | -40.8163% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9764% | 3,867 |
| Assets per employee ($millions) | 6.1711% | 1,421 |
| Cash dividends to net income (ytd only)* | 68.4486% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,538 |
| Loan loss allowance to noncurrent loans | 2,589.7436% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 3,798 |
| Noncurrent loans to loans | 0.0462% | 4,481 |
| Net loans and leases to total assets | 64.3108% | 3,305 |
| Net loans and leases to deposits | 87.1278% | 2,116 |
| Net loans and leases to core deposits | 89.7068% | 2,621 |
| Total domestic deposits to total assets | 73.8121% | 4,847 |
| Equity capital to assets | 9.7551% | 4,188 |
| Core capital (leverage) ratio | 8.6934% | 4,850 |
| Tier 1 risk-based capital ratio | 11.0083% | 4,902 |
| Total risk-based capital ratio | 12.0124% | 4,920 |
| Memoranda: | ||
| Average total assets | $129,210,330 | 3,630 |
| Average earning assets | $119,719,000 | 3,625 |
| Average equity | $11,853,000 | 4,067 |
| Average total loans | $82,482,670 | 3,608 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 2,602 |
| Cost of funding earning assets | 0.7619% | 2,722 |
| Net interest margin | 3.8193% | 2,453 |
| Noninterest income to average assets | 0.1581% | 4,790 |
| Noninterest expense to average assets | 2.3873% | 3,798 |
| Loan and lease loss provision to assets | 0.0620% | 2,416 |
| Net operating income to assets | 1.2370% | 1,927 |
| Return on assets (ROA) | 1.2370% | 1,975 |
| Pretax return on assets | 1.2370% | 2,674 |
| Return on Equity (ROE) | 13.9285% | 986 |
| Retained earnings to average equity (ytd only) | 5.7250% | 2,580 |
| Net charge-offs to loans | -0.2207% | 5,181 |
| Credit loss provision to net charge-offs | -44.4444% | 3,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2464% | 3,352 |
| Assets per employee ($millions) | 5.9689% | 1,571 |
| Cash dividends to net income (ytd only)* | 58.8972% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,316 |
| Loan loss allowance to noncurrent loans | 122.0874% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 1,717 |
| Noncurrent loans to loans | 1.0253% | 1,631 |
| Net loans and leases to total assets | 63.3159% | 3,373 |
| Net loans and leases to deposits | 80.8855% | 2,743 |
| Net loans and leases to core deposits | 83.1280% | 3,099 |
| Total domestic deposits to total assets | 78.2785% | 4,470 |
| Equity capital to assets | 9.4905% | 4,267 |
| Core capital (leverage) ratio | 8.8148% | 4,783 |
| Tier 1 risk-based capital ratio | 11.1289% | 4,921 |
| Total risk-based capital ratio | 12.1542% | 4,921 |
| Memoranda: | ||
| Average total assets | $129,018,500 | 3,669 |
| Average earning assets | $119,183,500 | 3,669 |
| Average equity | $11,458,500 | 4,133 |
| Average total loans | $81,547,500 | 3,661 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 2,308 |
| Cost of funding earning assets | 0.4385% | 3,747 |
| Net interest margin | 4.1089% | 1,654 |
| Noninterest income to average assets | 0.1618% | 4,912 |
| Noninterest expense to average assets | 2.4309% | 3,800 |
| Loan and lease loss provision to assets | 0.0242% | 3,684 |
| Net operating income to assets | 1.4803% | 1,174 |
| Return on assets (ROA) | 1.4803% | 1,160 |
| Pretax return on assets | 1.4811% | 1,840 |
| Return on Equity (ROE) | 15.8146% | 668 |
| Retained earnings to average equity (ytd only) | -2.0670% | 5,129 |
| Net charge-offs to loans | -0.0191% | 4,687 |
| Credit loss provision to net charge-offs | -193.3333% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2119% | 3,819 |
| Assets per employee ($millions) | 5.7692% | 1,700 |
| Cash dividends to net income (ytd only)* | 113.0704% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,897 |
| Loan loss allowance to noncurrent loans | 109.8131% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 1,731 |
| Noncurrent loans to loans | 1.0348% | 1,585 |
| Net loans and leases to total assets | 61.6357% | 3,604 |
| Net loans and leases to deposits | 79.3367% | 3,023 |
| Net loans and leases to core deposits | 81.4275% | 3,313 |
| Total domestic deposits to total assets | 77.6888% | 4,536 |
| Equity capital to assets | 8.3058% | 5,046 |
| Core capital (leverage) ratio | 8.3962% | 5,069 |
| Tier 1 risk-based capital ratio | 10.5802% | 5,153 |
| Total risk-based capital ratio | 11.5067% | 5,175 |
| Memoranda: | ||
| Average total assets | $119,912,000 | 3,786 |
| Average earning assets | $110,151,200 | 3,799 |
| Average equity | $11,223,800 | 4,130 |
| Average total loans | $78,359,200 | 3,697 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,236 |
| Cost of funding earning assets | 0.3895% | 3,939 |
| Net interest margin | 4.1290% | 1,548 |
| Noninterest income to average assets | 0.1599% | 4,981 |
| Noninterest expense to average assets | 2.5234% | 3,519 |
| Loan and lease loss provision to assets | 0.0046% | 3,879 |
| Net operating income to assets | 1.4336% | 1,380 |
| Return on assets (ROA) | 1.4336% | 1,378 |
| Pretax return on assets | 1.4348% | 2,106 |
| Return on Equity (ROE) | 14.8414% | 912 |
| Retained earnings to average equity (ytd only) | -0.1419% | 5,052 |
| Net charge-offs to loans | -0.0242% | 4,686 |
| Credit loss provision to net charge-offs | -28.5714% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0928% | 3,500 |
| Assets per employee ($millions) | 5.3805% | 2,035 |
| Cash dividends to net income (ytd only)* | 100.9562% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 2,808 |
| Loan loss allowance to noncurrent loans | 108.5511% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 1,736 |
| Noncurrent loans to loans | 1.0755% | 1,586 |
| Net loans and leases to total assets | 62.5251% | 3,600 |
| Net loans and leases to deposits | 79.2300% | 3,119 |
| Net loans and leases to core deposits | 80.3723% | 3,464 |
| Total domestic deposits to total assets | 78.9159% | 4,331 |
| Equity capital to assets | 8.6407% | 4,840 |
| Core capital (leverage) ratio | 9.2997% | 4,402 |
| Tier 1 risk-based capital ratio | 11.3778% | 4,857 |
| Total risk-based capital ratio | 12.3285% | 4,896 |
| Memoranda: | ||
| Average total assets | $116,717,250 | 3,880 |
| Average earning assets | $107,498,250 | 3,890 |
| Average equity | $11,274,500 | 4,162 |
| Average total loans | $77,267,750 | 3,752 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 2,181 |
| Cost of funding earning assets | 0.3590% | 4,014 |
| Net interest margin | 4.1113% | 1,520 |
| Noninterest income to average assets | 0.1259% | 5,174 |
| Noninterest expense to average assets | 2.5478% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3815% | 1,503 |
| Return on assets (ROA) | 1.3815% | 1,505 |
| Pretax return on assets | 1.3832% | 2,207 |
| Return on Equity (ROE) | 13.7771% | 1,139 |
| Retained earnings to average equity (ytd only) | 6.6793% | 2,220 |
| Net charge-offs to loans | -0.0026% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2117% | 3,433 |
| Assets per employee ($millions) | 4.9871% | 2,434 |
| Cash dividends to net income (ytd only)* | 51.5190% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,781 |
| Loan loss allowance to noncurrent loans | 100.7865% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 1,566 |
| Noncurrent loans to loans | 1.1814% | 1,467 |
| Net loans and leases to total assets | 64.8975% | 3,290 |
| Net loans and leases to deposits | 76.4679% | 3,290 |
| Net loans and leases to core deposits | 77.5724% | 3,611 |
| Total domestic deposits to total assets | 84.8689% | 2,719 |
| Equity capital to assets | 10.0956% | 3,542 |
| Core capital (leverage) ratio | 9.8799% | 3,705 |
| Tier 1 risk-based capital ratio | 12.0296% | 4,474 |
| Total risk-based capital ratio | 12.9832% | 4,541 |
| Memoranda: | ||
| Average total assets | $114,372,330 | 3,947 |
| Average earning assets | $105,853,670 | 3,949 |
| Average equity | $11,468,330 | 4,165 |
| Average total loans | $76,927,000 | 3,778 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 2,303 |
| Cost of funding earning assets | 0.3542% | 3,956 |
| Net interest margin | 4.0138% | 1,685 |
| Noninterest income to average assets | 0.0630% | 5,444 |
| Noninterest expense to average assets | 2.6198% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1313% | 2,283 |
| Return on assets (ROA) | 1.1313% | 2,301 |
| Pretax return on assets | 1.1348% | 3,030 |
| Return on Equity (ROE) | 11.3209% | 1,845 |
| Retained earnings to average equity (ytd only) | -0.5257% | 4,862 |
| Net charge-offs to loans | 0.0051% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 207 |
| Efficiency ratio | 68.0970% | 2,815 |
| Assets per employee ($millions) | 4.9254% | 2,572 |
| Cash dividends to net income (ytd only)* | 104.6440% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,945 |
| Loan loss allowance to noncurrent loans | 71.6000% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.2914% | 1,147 |
| Noncurrent loans to loans | 1.6462% | 1,052 |
| Net loans and leases to total assets | 66.2365% | 2,996 |
| Net loans and leases to deposits | 76.8347% | 3,131 |
| Net loans and leases to core deposits | 78.4690% | 3,454 |
| Total domestic deposits to total assets | 86.2065% | 2,445 |
| Equity capital to assets | 9.8566% | 3,743 |
| Core capital (leverage) ratio | 9.6015% | 3,959 |
| Tier 1 risk-based capital ratio | 11.4455% | 4,884 |
| Total risk-based capital ratio | 12.3853% | 4,961 |
| Memoranda: | ||
| Average total assets | $114,206,500 | 3,986 |
| Average earning assets | $105,038,500 | 4,010 |
| Average equity | $11,412,500 | 4,205 |
| Average total loans | $77,722,000 | 3,785 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,796 |
| Cost of funding earning assets | 0.3182% | 3,972 |
| Net interest margin | 3.5584% | 3,310 |
| Noninterest income to average assets | 0.1693% | 5,107 |
| Noninterest expense to average assets | 2.4441% | 3,957 |
| Loan and lease loss provision to assets | 0.0314% | 3,648 |
| Net operating income to assets | 0.9991% | 2,245 |
| Return on assets (ROA) | 0.9991% | 2,281 |
| Pretax return on assets | 1.0000% | 3,569 |
| Return on Equity (ROE) | 10.7426% | 1,569 |
| Retained earnings to average equity (ytd only) | 2.6013% | 3,764 |
| Net charge-offs to loans | 0.0213% | 3,394 |
| Credit loss provision to net charge-offs | 237.5000% | 1,168 |
| Earnings coverage of net charge-offs (x) | 78.0625% | 784 |
| Efficiency ratio | 66.7855% | 3,115 |
| Assets per employee ($millions) | 5.0056% | 2,467 |
| Cash dividends to net income (ytd only)* | 75.7851% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,205 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,558 |
| Noncurrent loans to loans | 1.1269% | 1,570 |
| Net loans and leases to total assets | 68.2866% | 2,780 |
| Net loans and leases to deposits | 79.3278% | 2,993 |
| Net loans and leases to core deposits | 81.6291% | 3,276 |
| Total domestic deposits to total assets | 86.0816% | 2,397 |
| Equity capital to assets | 10.1270% | 3,564 |
| Core capital (leverage) ratio | 8.4817% | 5,152 |
| Tier 1 risk-based capital ratio | 11.4285% | 4,898 |
| Total risk-based capital ratio | 12.3651% | 4,964 |
| Memoranda: | ||
| Average total assets | $121,105,800 | 3,874 |
| Average earning assets | $112,523,000 | 3,874 |
| Average equity | $11,263,600 | 4,265 |
| Average total loans | $75,198,200 | 3,840 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,368 |
| Cost of funding earning assets | 0.2904% | 4,228 |
| Net interest margin | 3.3931% | 3,865 |
| Noninterest income to average assets | 0.1599% | 5,220 |
| Noninterest expense to average assets | 2.4219% | 3,958 |
| Loan and lease loss provision to assets | 0.0413% | 3,285 |
| Net operating income to assets | 0.8591% | 3,232 |
| Return on assets (ROA) | 0.8591% | 3,278 |
| Pretax return on assets | 0.8602% | 4,179 |
| Return on Equity (ROE) | 9.4342% | 2,389 |
| Retained earnings to average equity (ytd only) | -1.0032% | 5,353 |
| Net charge-offs to loans | 0.0324% | 2,786 |
| Credit loss provision to net charge-offs | 211.1111% | 1,295 |
| Earnings coverage of net charge-offs (x) | 46.0546% | 1,178 |
| Efficiency ratio | 68.5864% | 2,769 |
| Assets per employee ($millions) | 5.5616% | 1,869 |
| Cash dividends to net income (ytd only)* | 110.6322% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,058 |
| Loan loss allowance to noncurrent loans | 99.4438% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,906 |
| Noncurrent loans to loans | 1.1821% | 1,627 |
| Net loans and leases to total assets | 58.7529% | 3,986 |
| Net loans and leases to deposits | 67.2793% | 4,164 |
| Net loans and leases to core deposits | 69.0034% | 4,304 |
| Total domestic deposits to total assets | 87.3269% | 1,714 |
| Equity capital to assets | 8.9261% | 4,975 |
| Core capital (leverage) ratio | 8.5519% | 5,204 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,141 |
| Total risk-based capital ratio | 12.1215% | 5,209 |
| Memoranda: | ||
| Average total assets | $122,600,250 | 3,895 |
| Average earning assets | $114,306,500 | 3,879 |
| Average equity | $11,164,750 | 4,321 |
| Average total loans | $74,119,500 | 3,898 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 4,495 |
| Cost of funding earning assets | 0.2978% | 4,100 |
| Net interest margin | 3.3079% | 4,081 |
| Noninterest income to average assets | 0.1390% | 5,358 |
| Noninterest expense to average assets | 2.5723% | 3,519 |
| Loan and lease loss provision to assets | 0.0629% | 2,714 |
| Net operating income to assets | 0.5909% | 4,351 |
| Return on assets (ROA) | 0.5909% | 4,400 |
| Pretax return on assets | 0.5926% | 4,822 |
| Return on Equity (ROE) | 6.4439% | 3,856 |
| Retained earnings to average equity (ytd only) | -9.3319% | 5,640 |
| Net charge-offs to loans | 0.0517% | 2,182 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 20.8421% | 1,776 |
| Efficiency ratio | 73.8974% | 2,033 |
| Assets per employee ($millions) | 5.3302% | 2,025 |
| Cash dividends to net income (ytd only)* | 244.8179% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 3,226 |
| Loan loss allowance to noncurrent loans | 100.2245% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 1,893 |
| Noncurrent loans to loans | 1.1610% | 1,688 |
| Net loans and leases to total assets | 61.8712% | 3,645 |
| Net loans and leases to deposits | 70.8041% | 3,846 |
| Net loans and leases to core deposits | 73.2244% | 4,003 |
| Total domestic deposits to total assets | 87.3837% | 1,771 |
| Equity capital to assets | 8.9898% | 4,918 |
| Core capital (leverage) ratio | 8.3655% | 5,311 |
| Tier 1 risk-based capital ratio | 10.7815% | 5,349 |
| Total risk-based capital ratio | 11.7354% | 5,392 |
| Memoranda: | ||
| Average total assets | $120,828,000 | 3,948 |
| Average earning assets | $112,819,670 | 3,926 |
| Average equity | $11,080,330 | 4,348 |
| Average total loans | $73,476,330 | 3,937 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 4,769 |
| Cost of funding earning assets | 0.2978% | 4,068 |
| Net interest margin | 3.1754% | 4,421 |
| Noninterest income to average assets | 0.0967% | 5,604 |
| Noninterest expense to average assets | 2.6679% | 3,255 |
| Loan and lease loss provision to assets | 0.1267% | 1,522 |
| Net operating income to assets | 0.2501% | 5,304 |
| Return on assets (ROA) | 0.2501% | 5,320 |
| Pretax return on assets | 0.2535% | 5,370 |
| Return on Equity (ROE) | 2.7003% | 5,179 |
| Retained earnings to average equity (ytd only) | -19.9100% | 5,724 |
| Net charge-offs to loans | 0.4064% | 450 |
| Credit loss provision to net charge-offs | 52.0548% | 1,968 |
| Earnings coverage of net charge-offs (x) | 1.5616% | 2,715 |
| Efficiency ratio | 77.1335% | 1,743 |
| Assets per employee ($millions) | 5.2044% | 2,181 |
| Cash dividends to net income (ytd only)* | 837.3333% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,969 |
| Loan loss allowance to noncurrent loans | 65.2411% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 1,330 |
| Noncurrent loans to loans | 1.8772% | 981 |
| Net loans and leases to total assets | 56.5287% | 4,113 |
| Net loans and leases to deposits | 65.1669% | 4,238 |
| Net loans and leases to core deposits | 67.1110% | 4,344 |
| Total domestic deposits to total assets | 86.7446% | 2,334 |
| Equity capital to assets | 9.0809% | 4,732 |
| Core capital (leverage) ratio | 8.4326% | 5,274 |
| Tier 1 risk-based capital ratio | 11.3317% | 5,126 |
| Total risk-based capital ratio | 12.2784% | 5,203 |
| Memoranda: | ||
| Average total assets | $119,944,500 | 3,997 |
| Average earning assets | $111,481,500 | 3,987 |
| Average equity | $11,110,000 | 4,366 |
| Average total loans | $71,842,500 | 4,007 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,776 |
| Cost of funding earning assets | 0.3555% | 3,460 |
| Net interest margin | 3.7625% | 2,461 |
| Noninterest income to average assets | 0.1398% | 5,487 |
| Noninterest expense to average assets | 2.1000% | 4,999 |
| Loan and lease loss provision to assets | 0.0652% | 3,066 |
| Net operating income to assets | 1.4600% | 899 |
| Return on assets (ROA) | 1.4600% | 925 |
| Pretax return on assets | 1.4609% | 1,708 |
| Return on Equity (ROE) | 14.3387% | 723 |
| Retained earnings to average equity (ytd only) | -0.5813% | 5,394 |
| Net charge-offs to loans | 0.0090% | 3,963 |
| Credit loss provision to net charge-offs | 1,085.7143% | 361 |
| Earnings coverage of net charge-offs (x) | 254.1429% | 282 |
| Efficiency ratio | 56.8015% | 4,974 |
| Assets per employee ($millions) | 5.0078% | 2,381 |
| Cash dividends to net income (ytd only)* | 104.0541% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,353 |
| Loan loss allowance to noncurrent loans | 4,161.9048% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 4,334 |
| Noncurrent loans to loans | 0.0279% | 5,155 |
| Net loans and leases to total assets | 61.8253% | 3,631 |
| Net loans and leases to deposits | 71.8738% | 3,724 |
| Net loans and leases to core deposits | 74.0284% | 3,921 |
| Total domestic deposits to total assets | 86.0193% | 2,575 |
| Equity capital to assets | 9.4436% | 4,335 |
| Core capital (leverage) ratio | 8.7253% | 5,047 |
| Tier 1 risk-based capital ratio | 11.5501% | 5,022 |
| Total risk-based capital ratio | 12.5037% | 5,092 |
| Memoranda: | ||
| Average total assets | $116,573,600 | 4,052 |
| Average earning assets | $108,014,400 | 4,042 |
| Average equity | $11,870,000 | 4,267 |
| Average total loans | $78,051,200 | 3,848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,444 |
| Cost of funding earning assets | 0.3412% | 3,644 |
| Net interest margin | 3.8798% | 2,052 |
| Noninterest income to average assets | 0.1245% | 5,624 |
| Noninterest expense to average assets | 2.1624% | 4,860 |
| Loan and lease loss provision to assets | 0.0876% | 2,477 |
| Net operating income to assets | 1.4777% | 917 |
| Return on assets (ROA) | 1.4777% | 961 |
| Pretax return on assets | 1.4789% | 1,777 |
| Return on Equity (ROE) | 14.2441% | 773 |
| Retained earnings to average equity (ytd only) | 6.9998% | 1,630 |
| Net charge-offs to loans | 0.0118% | 3,527 |
| Credit loss provision to net charge-offs | 1,085.7143% | 377 |
| Earnings coverage of net charge-offs (x) | 194.2069% | 378 |
| Efficiency ratio | 56.9088% | 4,965 |
| Assets per employee ($millions) | 5.0967% | 2,259 |
| Cash dividends to net income (ytd only)* | 50.8580% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,397 |
| Loan loss allowance to noncurrent loans | 3,496.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,429 |
| Noncurrent loans to loans | 0.0336% | 5,243 |
| Net loans and leases to total assets | 62.6766% | 3,556 |
| Net loans and leases to deposits | 75.6920% | 3,435 |
| Net loans and leases to core deposits | 78.1118% | 3,657 |
| Total domestic deposits to total assets | 82.8047% | 3,666 |
| Equity capital to assets | 10.5576% | 3,503 |
| Core capital (leverage) ratio | 9.8275% | 3,774 |
| Tier 1 risk-based capital ratio | 12.2991% | 4,612 |
| Total risk-based capital ratio | 13.2522% | 4,691 |
| Memoranda: | ||
| Average total assets | $115,670,250 | 4,096 |
| Average earning assets | $107,460,250 | 4,078 |
| Average equity | $12,000,000 | 4,292 |
| Average total loans | $78,769,000 | 3,857 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,106 |
| Cost of funding earning assets | 0.3682% | 3,373 |
| Net interest margin | 3.9472% | 1,820 |
| Noninterest income to average assets | 0.1806% | 5,412 |
| Noninterest expense to average assets | 2.1867% | 4,871 |
| Loan and lease loss provision to assets | 0.1320% | 1,734 |
| Net operating income to assets | 1.5284% | 845 |
| Return on assets (ROA) | 1.5284% | 894 |
| Pretax return on assets | 1.5301% | 1,587 |
| Return on Equity (ROE) | 14.8215% | 695 |
| Retained earnings to average equity (ytd only) | 7.8150% | 1,238 |
| Net charge-offs to loans | 0.0698% | 2,192 |
| Credit loss provision to net charge-offs | 271.4286% | 1,042 |
| Earnings coverage of net charge-offs (x) | 34.1786% | 1,283 |
| Efficiency ratio | 55.7762% | 5,165 |
| Assets per employee ($millions) | 4.8870% | 2,431 |
| Cash dividends to net income (ytd only)* | 47.2727% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,961 |
| Loan loss allowance to noncurrent loans | 283.3887% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 3,389 |
| Noncurrent loans to loans | 0.3870% | 3,973 |
| Net loans and leases to total assets | 68.4303% | 2,720 |
| Net loans and leases to deposits | 82.2739% | 2,675 |
| Net loans and leases to core deposits | 85.0081% | 2,986 |
| Total domestic deposits to total assets | 83.1738% | 3,584 |
| Equity capital to assets | 10.9135% | 3,154 |
| Core capital (leverage) ratio | 9.9378% | 3,637 |
| Tier 1 risk-based capital ratio | 11.7157% | 5,024 |
| Total risk-based capital ratio | 12.6157% | 5,137 |
| Memoranda: | ||
| Average total assets | $115,152,330 | 4,137 |
| Average earning assets | $107,012,670 | 4,115 |
| Average equity | $11,874,670 | 4,338 |
| Average total loans | $80,243,330 | 3,837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,156 |
| Cost of funding earning assets | 0.3505% | 3,591 |
| Net interest margin | 3.6671% | 2,819 |
| Noninterest income to average assets | 0.1751% | 5,448 |
| Noninterest expense to average assets | 2.1660% | 4,986 |
| Loan and lease loss provision to assets | 0.2609% | 661 |
| Net operating income to assets | 1.1568% | 1,684 |
| Return on assets (ROA) | 1.1568% | 1,802 |
| Pretax return on assets | 1.1602% | 2,852 |
| Return on Equity (ROE) | 11.5426% | 1,447 |
| Retained earnings to average equity (ytd only) | 1.1645% | 4,778 |
| Net charge-offs to loans | 0.1718% | 1,110 |
| Credit loss provision to net charge-offs | 217.1429% | 1,027 |
| Earnings coverage of net charge-offs (x) | 11.8286% | 1,839 |
| Efficiency ratio | 59.2344% | 4,848 |
| Assets per employee ($millions) | 4.8748% | 2,488 |
| Cash dividends to net income (ytd only)* | 89.9110% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 4,217 |
| Loan loss allowance to noncurrent loans | 43.7888% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.9648% | 892 |
| Noncurrent loans to loans | 2.4469% | 782 |
| Net loans and leases to total assets | 69.6667% | 2,397 |
| Net loans and leases to deposits | 83.5877% | 2,356 |
| Net loans and leases to core deposits | 86.3639% | 2,715 |
| Total domestic deposits to total assets | 83.3457% | 3,773 |
| Equity capital to assets | 10.4690% | 3,541 |
| Core capital (leverage) ratio | 9.3943% | 4,355 |
| Tier 1 risk-based capital ratio | 11.1498% | 5,425 |
| Total risk-based capital ratio | 12.0340% | 5,521 |
| Memoranda: | ||
| Average total assets | $116,527,500 | 4,143 |
| Average earning assets | $108,422,500 | 4,117 |
| Average equity | $11,678,500 | 4,388 |
| Average total loans | $81,480,000 | 3,817 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,327 |
| Cost of funding earning assets | 0.3285% | 3,929 |
| Net interest margin | 3.6660% | 2,879 |
| Noninterest income to average assets | 0.2531% | 5,079 |
| Noninterest expense to average assets | 2.2673% | 4,887 |
| Loan and lease loss provision to assets | 0.0866% | 2,560 |
| Net operating income to assets | 1.3081% | 1,249 |
| Return on assets (ROA) | 1.3081% | 1,300 |
| Pretax return on assets | 1.3098% | 2,243 |
| Return on Equity (ROE) | 13.6147% | 928 |
| Retained earnings to average equity (ytd only) | -3.0852% | 5,830 |
| Net charge-offs to loans | 0.0775% | 2,715 |
| Credit loss provision to net charge-offs | 167.7419% | 1,609 |
| Earnings coverage of net charge-offs (x) | 27.0484% | 1,557 |
| Efficiency ratio | 60.8182% | 4,782 |
| Assets per employee ($millions) | 5.2580% | 2,049 |
| Cash dividends to net income (ytd only)* | 122.6607% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,818 |
| Loan loss allowance to noncurrent loans | 51.4377% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.5182% | 1,333 |
| Noncurrent loans to loans | 1.8630% | 1,156 |
| Net loans and leases to total assets | 68.7962% | 2,575 |
| Net loans and leases to deposits | 85.8960% | 2,147 |
| Net loans and leases to core deposits | 88.6453% | 2,540 |
| Total domestic deposits to total assets | 80.0924% | 4,719 |
| Equity capital to assets | 9.6077% | 4,427 |
| Core capital (leverage) ratio | 8.9985% | 4,885 |
| Tier 1 risk-based capital ratio | 10.4778% | 5,783 |
| Total risk-based capital ratio | 11.2659% | 5,895 |
| Memoranda: | ||
| Average total assets | $120,098,800 | 4,064 |
| Average earning assets | $111,730,000 | 4,042 |
| Average equity | $11,539,000 | 4,386 |
| Average total loans | $80,035,600 | 3,827 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,215 |
| Cost of funding earning assets | 0.3318% | 3,965 |
| Net interest margin | 3.6974% | 2,783 |
| Noninterest income to average assets | 0.2269% | 5,293 |
| Noninterest expense to average assets | 2.2498% | 4,908 |
| Loan and lease loss provision to assets | 0.1157% | 1,951 |
| Net operating income to assets | 1.3045% | 1,331 |
| Return on assets (ROA) | 1.3045% | 1,380 |
| Pretax return on assets | 1.3067% | 2,369 |
| Return on Equity (ROE) | 13.5772% | 986 |
| Retained earnings to average equity (ytd only) | -8.7274% | 6,105 |
| Net charge-offs to loans | 0.1063% | 2,067 |
| Credit loss provision to net charge-offs | 165.0794% | 1,561 |
| Earnings coverage of net charge-offs (x) | 20.3011% | 1,878 |
| Efficiency ratio | 60.2059% | 4,865 |
| Assets per employee ($millions) | 4.8475% | 2,493 |
| Cash dividends to net income (ytd only)* | 164.2798% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,558 |
| Loan loss allowance to noncurrent loans | 1,827.2727% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 4,681 |
| Noncurrent loans to loans | 0.0566% | 5,393 |
| Net loans and leases to total assets | 66.1638% | 2,979 |
| Net loans and leases to deposits | 84.0127% | 2,410 |
| Net loans and leases to core deposits | 86.8606% | 2,767 |
| Total domestic deposits to total assets | 78.7545% | 5,038 |
| Equity capital to assets | 9.7456% | 4,460 |
| Core capital (leverage) ratio | 8.8123% | 5,224 |
| Tier 1 risk-based capital ratio | 10.7653% | 5,771 |
| Total risk-based capital ratio | 11.6056% | 5,871 |
| Memoranda: | ||
| Average total assets | $119,890,000 | 4,119 |
| Average earning assets | $111,713,750 | 4,088 |
| Average equity | $11,519,000 | 4,434 |
| Average total loans | $79,043,750 | 3,893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,400 |
| Cost of funding earning assets | 0.3298% | 4,053 |
| Net interest margin | 3.6425% | 2,934 |
| Noninterest income to average assets | 0.2329% | 5,294 |
| Noninterest expense to average assets | 2.2829% | 4,882 |
| Loan and lease loss provision to assets | 0.1718% | 1,214 |
| Net operating income to assets | 1.1679% | 1,708 |
| Return on assets (ROA) | 1.1679% | 1,779 |
| Pretax return on assets | 1.1712% | 2,894 |
| Return on Equity (ROE) | 12.2114% | 1,313 |
| Retained earnings to average equity (ytd only) | -19.1721% | 6,261 |
| Net charge-offs to loans | 0.0025% | 3,811 |
| Credit loss provision to net charge-offs | 10,400.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 813.0000% | 78 |
| Efficiency ratio | 61.9134% | 4,691 |
| Assets per employee ($millions) | 5.4302% | 1,809 |
| Cash dividends to net income (ytd only)* | 257.0014% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 4,401 |
| Loan loss allowance to noncurrent loans | 1,154.6667% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,713 |
| Noncurrent loans to loans | 0.0941% | 5,366 |
| Net loans and leases to total assets | 66.0023% | 2,947 |
| Net loans and leases to deposits | 86.1164% | 2,037 |
| Net loans and leases to core deposits | 89.0366% | 2,448 |
| Total domestic deposits to total assets | 76.6432% | 5,514 |
| Equity capital to assets | 9.1643% | 5,066 |
| Core capital (leverage) ratio | 8.4183% | 5,610 |
| Tier 1 risk-based capital ratio | 10.2023% | 6,031 |
| Total risk-based capital ratio | 11.0914% | 6,082 |
| Memoranda: | ||
| Average total assets | $121,073,330 | 4,140 |
| Average earning assets | $112,780,000 | 4,099 |
| Average equity | $11,579,330 | 4,455 |
| Average total loans | $79,465,330 | 3,903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,652 |
| Cost of funding earning assets | 0.2756% | 4,719 |
| Net interest margin | 3.6182% | 2,936 |
| Noninterest income to average assets | 0.2560% | 5,126 |
| Noninterest expense to average assets | 2.1431% | 5,294 |
| Loan and lease loss provision to assets | 0.3446% | 377 |
| Net operating income to assets | 1.1224% | 1,787 |
| Return on assets (ROA) | 1.1224% | 1,893 |
| Pretax return on assets | 1.1290% | 2,956 |
| Return on Equity (ROE) | 11.5006% | 1,480 |
| Retained earnings to average equity (ytd only) | -18.7642% | 6,260 |
| Net charge-offs to loans | 0.0101% | 2,997 |
| Credit loss provision to net charge-offs | 5,250.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 251 |
| Efficiency ratio | 58.1670% | 5,315 |
| Assets per employee ($millions) | 4.8332% | 2,578 |
| Cash dividends to net income (ytd only)* | 263.1579% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 4,292 |
| Loan loss allowance to noncurrent loans | 1,186.3014% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,784 |
| Noncurrent loans to loans | 0.0964% | 5,410 |
| Net loans and leases to total assets | 64.5074% | 3,027 |
| Net loans and leases to deposits | 78.4792% | 2,740 |
| Net loans and leases to core deposits | 81.0305% | 3,055 |
| Total domestic deposits to total assets | 82.1968% | 4,459 |
| Equity capital to assets | 10.0693% | 4,060 |
| Core capital (leverage) ratio | 8.8988% | 5,073 |
| Tier 1 risk-based capital ratio | 11.9085% | 5,301 |
| Total risk-based capital ratio | 12.8921% | 5,382 |
| Memoranda: | ||
| Average total assets | $121,878,000 | 4,152 |
| Average earning assets | $113,205,500 | 4,115 |
| Average equity | $11,895,000 | 4,427 |
| Average total loans | $79,340,500 | 3,921 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,908 |
| Cost of funding earning assets | 0.4023% | 3,666 |
| Net interest margin | 3.5513% | 3,597 |
| Noninterest income to average assets | 0.2071% | 5,622 |
| Noninterest expense to average assets | 2.3574% | 4,955 |
| Loan and lease loss provision to assets | 0.2298% | 1,058 |
| Net operating income to assets | 0.8923% | 2,916 |
| Return on assets (ROA) | 0.8956% | 2,983 |
| Pretax return on assets | 0.8956% | 3,924 |
| Return on Equity (ROE) | 9.1871% | 2,492 |
| Retained earnings to average equity (ytd only) | 0.0688% | 5,739 |
| Net charge-offs to loans | 0.0041% | 4,868 |
| Credit loss provision to net charge-offs | 9,133.3333% | 29 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 116 |
| Efficiency ratio | 67.7513% | 3,937 |
| Assets per employee ($millions) | 5.5573% | 1,722 |
| Cash dividends to net income (ytd only)* | 99.2509% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 5,409 |
| Loan loss allowance to noncurrent loans | 897.6471% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,644 |
| Noncurrent loans to loans | 0.1024% | 5,485 |
| Net loans and leases to total assets | 64.3310% | 3,170 |
| Net loans and leases to deposits | 84.1738% | 2,193 |
| Net loans and leases to core deposits | 87.7695% | 2,524 |
| Total domestic deposits to total assets | 76.4265% | 5,673 |
| Equity capital to assets | 9.5066% | 4,710 |
| Core capital (leverage) ratio | 8.7546% | 5,287 |
| Tier 1 risk-based capital ratio | 10.9360% | 5,932 |
| Total risk-based capital ratio | 11.7084% | 6,058 |
| Memoranda: | ||
| Average total assets | $119,244,000 | 4,197 |
| Average earning assets | $109,876,000 | 4,187 |
| Average equity | $11,625,000 | 4,430 |
| Average total loans | $73,982,800 | 4,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 4,118 |
| Cost of funding earning assets | 0.4027% | 3,766 |
| Net interest margin | 3.5117% | 3,782 |
| Noninterest income to average assets | 0.1936% | 5,761 |
| Noninterest expense to average assets | 2.4366% | 4,711 |
| Loan and lease loss provision to assets | 0.0956% | 2,454 |
| Net operating income to assets | 0.8983% | 2,918 |
| Return on assets (ROA) | 0.9029% | 2,992 |
| Pretax return on assets | 0.9029% | 3,968 |
| Return on Equity (ROE) | 9.1992% | 2,587 |
| Retained earnings to average equity (ytd only) | 0.4988% | 5,669 |
| Net charge-offs to loans | 0.0074% | 4,454 |
| Credit loss provision to net charge-offs | 2,100.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 218.3809% | 300 |
| Efficiency ratio | 71.0256% | 3,340 |
| Assets per employee ($millions) | 5.1776% | 2,040 |
| Cash dividends to net income (ytd only)* | 94.5777% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,946 |
| Loan loss allowance to noncurrent loans | 672.9412% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,757 |
| Noncurrent loans to loans | 0.1146% | 5,586 |
| Net loans and leases to total assets | 61.7912% | 3,513 |
| Net loans and leases to deposits | 77.5744% | 2,996 |
| Net loans and leases to core deposits | 80.5464% | 3,253 |
| Total domestic deposits to total assets | 79.6540% | 5,184 |
| Equity capital to assets | 10.2431% | 3,869 |
| Core capital (leverage) ratio | 9.1235% | 4,889 |
| Tier 1 risk-based capital ratio | 12.2019% | 5,368 |
| Total risk-based capital ratio | 12.8460% | 5,658 |
| Memoranda: | ||
| Average total assets | $117,100,750 | 4,279 |
| Average earning assets | $107,940,250 | 4,265 |
| Average equity | $11,493,500 | 4,488 |
| Average total loans | $71,731,250 | 4,168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,438 |
| Cost of funding earning assets | 0.4366% | 3,475 |
| Net interest margin | 3.3864% | 4,230 |
| Noninterest income to average assets | 0.1374% | 6,135 |
| Noninterest expense to average assets | 2.5438% | 4,441 |
| Loan and lease loss provision to assets | 0.0842% | 2,622 |
| Net operating income to assets | 0.6269% | 4,208 |
| Return on assets (ROA) | 0.6338% | 4,288 |
| Pretax return on assets | 0.6338% | 4,842 |
| Return on Equity (ROE) | 6.5549% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.5549% | 2,005 |
| Net charge-offs to loans | -0.0028% | 5,089 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1530% | 2,268 |
| Assets per employee ($millions) | 4.4827% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 6,121 |
| Loan loss allowance to noncurrent loans | 582.7957% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 5,838 |
| Noncurrent loans to loans | 0.1260% | 5,642 |
| Net loans and leases to total assets | 60.5286% | 3,630 |
| Net loans and leases to deposits | 75.1351% | 3,173 |
| Net loans and leases to core deposits | 77.7259% | 3,473 |
| Total domestic deposits to total assets | 80.5597% | 5,108 |
| Equity capital to assets | 10.3667% | 3,599 |
| Core capital (leverage) ratio | 9.2919% | 4,604 |
| Tier 1 risk-based capital ratio | 12.4793% | 5,242 |
| Total risk-based capital ratio | 13.0852% | 5,558 |
| Memoranda: | ||
| Average total assets | $116,439,330 | 4,320 |
| Average earning assets | $107,192,330 | 4,303 |
| Average equity | $11,258,670 | 4,545 |
| Average total loans | $70,923,000 | 4,203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,743 |
| Cost of funding earning assets | 0.4311% | 3,637 |
| Net interest margin | 3.2999% | 4,535 |
| Noninterest income to average assets | 0.1297% | 6,201 |
| Noninterest expense to average assets | 2.7544% | 3,729 |
| Loan and lease loss provision to assets | 0.1717% | 1,407 |
| Net operating income to assets | 0.2348% | 5,703 |
| Return on assets (ROA) | 0.2348% | 5,750 |
| Pretax return on assets | 0.2348% | 5,860 |
| Return on Equity (ROE) | 2.5248% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.5248% | 4,553 |
| Net charge-offs to loans | -0.0058% | 4,856 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1397% | 1,328 |
| Assets per employee ($millions) | 4.7684% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,115 |
| Loan loss allowance to noncurrent loans | 531.3725% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 5,917 |
| Noncurrent loans to loans | 0.1494% | 5,637 |
| Net loans and leases to total assets | 54.6133% | 4,335 |
| Net loans and leases to deposits | 66.0028% | 4,096 |
| Net loans and leases to core deposits | 67.9912% | 4,309 |
| Total domestic deposits to total assets | 82.7439% | 4,692 |
| Equity capital to assets | 9.3976% | 4,633 |
| Core capital (leverage) ratio | 9.1483% | 4,796 |
| Tier 1 risk-based capital ratio | 12.7377% | 5,172 |
| Total risk-based capital ratio | 13.3918% | 5,471 |
| Memoranda: | ||
| Average total assets | $114,143,000 | 4,407 |
| Average earning assets | $104,852,500 | 4,388 |
| Average equity | $10,614,500 | 4,701 |
| Average total loans | $69,484,000 | 4,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 4,122 |
| Cost of funding earning assets | 0.4763% | 3,853 |
| Net interest margin | 3.5129% | 3,839 |
| Noninterest income to average assets | 0.1650% | 6,106 |
| Noninterest expense to average assets | 2.2755% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1251% | 1,852 |
| Return on assets (ROA) | 1.1221% | 1,926 |
| Pretax return on assets | 1.1231% | 2,870 |
| Return on Equity (ROE) | 11.9310% | 1,440 |
| Retained earnings to average equity (ytd only) | 7.6508% | 1,172 |
| Net charge-offs to loans | 0.0126% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 139.8750% | 331 |
| Efficiency ratio | 66.8935% | 4,390 |
| Assets per employee ($millions) | 5.7948% | 1,409 |
| Cash dividends to net income (ytd only)* | 35.8744% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 6,350 |
| Loan loss allowance to noncurrent loans | 622.7848% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 5,998 |
| Noncurrent loans to loans | 0.1117% | 5,869 |
| Net loans and leases to total assets | 67.3253% | 2,469 |
| Net loans and leases to deposits | 83.1744% | 2,033 |
| Net loans and leases to core deposits | 85.4631% | 2,515 |
| Total domestic deposits to total assets | 80.9447% | 5,198 |
| Equity capital to assets | 9.1825% | 4,825 |
| Core capital (leverage) ratio | 8.8163% | 5,253 |
| Tier 1 risk-based capital ratio | 10.8717% | 6,237 |
| Total risk-based capital ratio | 11.4707% | 6,411 |
| Memoranda: | ||
| Average total assets | $99,364,800 | 4,755 |
| Average earning assets | $91,547,000 | 4,729 |
| Average equity | $9,345,400 | 5,009 |
| Average total loans | $63,269,800 | 4,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 4,366 |
| Cost of funding earning assets | 0.4873% | 3,891 |
| Net interest margin | 3.4482% | 4,091 |
| Noninterest income to average assets | 0.1685% | 6,180 |
| Noninterest expense to average assets | 2.2813% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0679% | 2,126 |
| Return on assets (ROA) | 1.0639% | 2,225 |
| Pretax return on assets | 1.0652% | 3,244 |
| Return on Equity (ROE) | 11.2409% | 1,737 |
| Retained earnings to average equity (ytd only) | 5.4984% | 2,727 |
| Net charge-offs to loans | 0.0174% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 98.3421% | 504 |
| Efficiency ratio | 68.0860% | 4,086 |
| Assets per employee ($millions) | 4.7644% | 2,483 |
| Cash dividends to net income (ytd only)* | 51.0858% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 6,314 |
| Loan loss allowance to noncurrent loans | 713.0435% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,101 |
| Noncurrent loans to loans | 0.1099% | 6,003 |
| Net loans and leases to total assets | 65.4017% | 2,734 |
| Net loans and leases to deposits | 82.5977% | 2,056 |
| Net loans and leases to core deposits | 85.1494% | 2,520 |
| Total domestic deposits to total assets | 79.1810% | 5,705 |
| Equity capital to assets | 9.7190% | 4,284 |
| Core capital (leverage) ratio | 8.9186% | 5,237 |
| Tier 1 risk-based capital ratio | 11.6717% | 5,967 |
| Total risk-based capital ratio | 12.3395% | 6,206 |
| Memoranda: | ||
| Average total assets | $98,129,250 | 4,833 |
| Average earning assets | $90,556,250 | 4,792 |
| Average equity | $9,287,250 | 5,074 |
| Average total loans | $61,408,000 | 4,605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 4,658 |
| Cost of funding earning assets | 0.4862% | 4,023 |
| Net interest margin | 3.3618% | 4,337 |
| Noninterest income to average assets | 0.1635% | 6,237 |
| Noninterest expense to average assets | 2.3537% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9064% | 2,756 |
| Return on assets (ROA) | 0.9003% | 2,935 |
| Pretax return on assets | 0.9023% | 3,901 |
| Return on Equity (ROE) | 9.5955% | 2,373 |
| Retained earnings to average equity (ytd only) | 0.9897% | 5,509 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1535% | 3,442 |
| Assets per employee ($millions) | 4.2540% | 3,243 |
| Cash dividends to net income (ytd only)* | 89.6861% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,312 |
| Loan loss allowance to noncurrent loans | 724.6377% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 6,117 |
| Noncurrent loans to loans | 0.1136% | 6,053 |
| Net loans and leases to total assets | 64.3733% | 2,856 |
| Net loans and leases to deposits | 81.2310% | 2,153 |
| Net loans and leases to core deposits | 83.7842% | 2,592 |
| Total domestic deposits to total assets | 79.2471% | 5,766 |
| Equity capital to assets | 9.4714% | 4,618 |
| Core capital (leverage) ratio | 8.6097% | 5,544 |
| Tier 1 risk-based capital ratio | 11.5821% | 6,065 |
| Total risk-based capital ratio | 12.2831% | 6,296 |
| Memoranda: | ||
| Average total assets | $99,076,330 | 4,843 |
| Average earning assets | $91,320,670 | 4,807 |
| Average equity | $9,296,000 | 5,108 |
| Average total loans | $60,940,000 | 4,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 5,185 |
| Cost of funding earning assets | 0.4657% | 4,417 |
| Net interest margin | 3.2300% | 4,803 |
| Noninterest income to average assets | 0.1650% | 6,270 |
| Noninterest expense to average assets | 2.1489% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9821% | 2,310 |
| Return on assets (ROA) | 0.9821% | 2,437 |
| Pretax return on assets | 0.9860% | 3,421 |
| Return on Equity (ROE) | 10.5130% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.5130% | 981 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5464% | 4,213 |
| Assets per employee ($millions) | 4.4660% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,281 |
| Loan loss allowance to noncurrent loans | 450.4505% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 6,230 |
| Noncurrent loans to loans | 0.1979% | 5,907 |
| Net loans and leases to total assets | 56.5912% | 3,993 |
| Net loans and leases to deposits | 70.6739% | 3,365 |
| Net loans and leases to core deposits | 71.8251% | 3,841 |
| Total domestic deposits to total assets | 80.0737% | 5,738 |
| Equity capital to assets | 9.7861% | 4,445 |
| Core capital (leverage) ratio | 8.7008% | 5,328 |
| Tier 1 risk-based capital ratio | 12.5847% | 5,526 |
| Total risk-based capital ratio | 13.3281% | 5,819 |
| Memoranda: | ||
| Average total assets | $101,821,000 | 4,815 |
| Average earning assets | $93,622,500 | 4,807 |
| Average equity | $9,512,000 | 5,107 |
| Average total loans | $61,037,500 | 4,668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 5,044 |
| Cost of funding earning assets | 0.5717% | 4,622 |
| Net interest margin | 3.5017% | 4,492 |
| Noninterest income to average assets | 0.1817% | 6,098 |
| Noninterest expense to average assets | 2.2564% | 5,797 |
| Loan and lease loss provision to assets | 0.2049% | 3,096 |
| Net operating income to assets | 0.9399% | 2,601 |
| Return on assets (ROA) | 0.9197% | 2,954 |
| Pretax return on assets | 0.9217% | 3,851 |
| Return on Equity (ROE) | 10.3844% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.4611% | 705 |
| Net charge-offs to loans | 0.0121% | 5,753 |
| Credit loss provision to net charge-offs | 2,900.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 162.2857% | 256 |
| Efficiency ratio | 66.3008% | 4,441 |
| Assets per employee ($millions) | 4.7905% | 2,509 |
| Cash dividends to net income (ytd only)* | 8.8913% | 4,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 6,556 |
| Loan loss allowance to noncurrent loans | 454.5455% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 6,323 |
| Noncurrent loans to loans | 0.1667% | 6,065 |
| Net loans and leases to total assets | 62.1245% | 3,228 |
| Net loans and leases to deposits | 75.6721% | 2,855 |
| Net loans and leases to core deposits | 76.7859% | 3,432 |
| Total domestic deposits to total assets | 82.0970% | 5,065 |
| Equity capital to assets | 8.9278% | 5,606 |
| Core capital (leverage) ratio | 7.6397% | 6,434 |
| Tier 1 risk-based capital ratio | 10.6737% | 6,488 |
| Total risk-based capital ratio | 11.3233% | 6,652 |
| Memoranda: | ||
| Average total assets | $99,053,200 | 4,860 |
| Average earning assets | $91,127,200 | 4,837 |
| Average equity | $8,772,800 | 5,280 |
| Average total loans | $57,941,000 | 4,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 5,438 |
| Cost of funding earning assets | 0.5903% | 4,741 |
| Net interest margin | 3.4381% | 4,886 |
| Noninterest income to average assets | 0.1819% | 6,217 |
| Noninterest expense to average assets | 2.2749% | 5,756 |
| Loan and lease loss provision to assets | 0.2271% | 2,791 |
| Net operating income to assets | 0.8481% | 3,225 |
| Return on assets (ROA) | 0.8208% | 3,586 |
| Pretax return on assets | 0.8235% | 4,400 |
| Return on Equity (ROE) | 9.2872% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.0334% | 1,607 |
| Net charge-offs to loans | 0.0167% | 5,450 |
| Credit loss provision to net charge-offs | 2,371.4286% | 114 |
| Earnings coverage of net charge-offs (x) | 112.6088% | 381 |
| Efficiency ratio | 67.8499% | 4,100 |
| Assets per employee ($millions) | 4.6585% | 2,668 |
| Cash dividends to net income (ytd only)* | 13.5003% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 6,612 |
| Loan loss allowance to noncurrent loans | 342.9630% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 6,385 |
| Noncurrent loans to loans | 0.2323% | 6,027 |
| Net loans and leases to total assets | 56.2594% | 4,406 |
| Net loans and leases to deposits | 76.3086% | 2,936 |
| Net loans and leases to core deposits | 77.5974% | 3,517 |
| Total domestic deposits to total assets | 73.7262% | 6,621 |
| Equity capital to assets | 8.9320% | 5,892 |
| Core capital (leverage) ratio | 8.2347% | 6,098 |
| Tier 1 risk-based capital ratio | 11.3077% | 6,353 |
| Total risk-based capital ratio | 11.9701% | 6,583 |
| Memoranda: | ||
| Average total assets | $97,469,000 | 4,950 |
| Average earning assets | $89,893,500 | 4,916 |
| Average equity | $8,613,750 | 5,375 |
| Average total loans | $55,933,000 | 4,919 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 5,509 |
| Cost of funding earning assets | 0.6097% | 4,816 |
| Net interest margin | 3.4322% | 4,961 |
| Noninterest income to average assets | 0.1962% | 6,159 |
| Noninterest expense to average assets | 2.3884% | 5,498 |
| Loan and lease loss provision to assets | 0.3466% | 1,897 |
| Net operating income to assets | 0.6301% | 4,227 |
| Return on assets (ROA) | 0.5887% | 4,676 |
| Pretax return on assets | 0.5929% | 5,164 |
| Return on Equity (ROE) | 6.6875% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.7666% | 3,435 |
| Net charge-offs to loans | 0.0254% | 5,030 |
| Credit loss provision to net charge-offs | 2,371.4286% | 129 |
| Earnings coverage of net charge-offs (x) | 67.1429% | 581 |
| Efficiency ratio | 70.8798% | 3,621 |
| Assets per employee ($millions) | 4.6025% | 2,724 |
| Cash dividends to net income (ytd only)* | 28.7234% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 6,593 |
| Loan loss allowance to noncurrent loans | 356.1538% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 6,109 |
| Noncurrent loans to loans | 0.2350% | 6,103 |
| Net loans and leases to total assets | 56.7459% | 4,358 |
| Net loans and leases to deposits | 74.6997% | 3,170 |
| Net loans and leases to core deposits | 75.9987% | 3,768 |
| Total domestic deposits to total assets | 75.9653% | 6,466 |
| Equity capital to assets | 9.0045% | 5,695 |
| Core capital (leverage) ratio | 7.9401% | 6,331 |
| Tier 1 risk-based capital ratio | 11.4126% | 6,273 |
| Total risk-based capital ratio | 12.1091% | 6,538 |
| Memoranda: | ||
| Average total assets | $95,796,670 | 5,014 |
| Average earning assets | $88,573,670 | 4,979 |
| Average equity | $8,433,670 | 5,436 |
| Average total loans | $55,203,670 | 4,979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 5,859 |
| Cost of funding earning assets | 0.6131% | 5,027 |
| Net interest margin | 3.3563% | 5,282 |
| Noninterest income to average assets | 0.2139% | 6,090 |
| Noninterest expense to average assets | 2.3278% | 5,699 |
| Loan and lease loss provision to assets | 0.2517% | 2,439 |
| Net operating income to assets | 0.7256% | 3,757 |
| Return on assets (ROA) | 0.7256% | 3,987 |
| Pretax return on assets | 0.7340% | 4,676 |
| Return on Equity (ROE) | 8.3384% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.4343% | 3,934 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2532% | 3,762 |
| Assets per employee ($millions) | 4.9455% | 2,322 |
| Cash dividends to net income (ytd only)* | 46.8208% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 6,884 |
| Loan loss allowance to noncurrent loans | 587.0968% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 6,382 |
| Noncurrent loans to loans | 0.1183% | 6,459 |
| Net loans and leases to total assets | 55.3908% | 4,487 |
| Net loans and leases to deposits | 66.4649% | 4,306 |
| Net loans and leases to core deposits | 67.3464% | 4,752 |
| Total domestic deposits to total assets | 83.3385% | 4,799 |
| Equity capital to assets | 9.0193% | 5,467 |
| Core capital (leverage) ratio | 8.1708% | 6,070 |
| Tier 1 risk-based capital ratio | 11.9458% | 5,994 |
| Total risk-based capital ratio | 12.5290% | 6,381 |
| Memoranda: | ||
| Average total assets | $95,369,000 | 5,049 |
| Average earning assets | $88,072,500 | 5,022 |
| Average equity | $8,299,000 | 5,498 |
| Average total loans | $55,151,000 | 5,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 4,972 |
| Cost of funding earning assets | 0.7252% | 5,372 |
| Net interest margin | 3.8007% | 3,814 |
| Noninterest income to average assets | 0.2168% | 5,971 |
| Noninterest expense to average assets | 2.5322% | 5,343 |
| Loan and lease loss provision to assets | 0.0723% | 5,712 |
| Net operating income to assets | 1.1030% | 1,817 |
| Return on assets (ROA) | 1.1030% | 1,935 |
| Pretax return on assets | 1.1030% | 2,823 |
| Return on Equity (ROE) | 12.7306% | 1,221 |
| Retained earnings to average equity (ytd only) | 5.2903% | 2,456 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3009% | 4,295 |
| Assets per employee ($millions) | 5.0933% | 2,081 |
| Cash dividends to net income (ytd only)* | 58.4442% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5251% | 7,085 |
| Loan loss allowance to noncurrent loans | 428.1690% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 6,366 |
| Noncurrent loans to loans | 0.1226% | 6,499 |
| Net loans and leases to total assets | 59.5063% | 4,078 |
| Net loans and leases to deposits | 70.0287% | 4,097 |
| Net loans and leases to core deposits | 70.8908% | 4,661 |
| Total domestic deposits to total assets | 84.9741% | 3,862 |
| Equity capital to assets | 8.3939% | 6,251 |
| Core capital (leverage) ratio | 7.8599% | 6,391 |
| Tier 1 risk-based capital ratio | 10.6772% | 6,617 |
| Total risk-based capital ratio | 11.1289% | 6,875 |
| Memoranda: | ||
| Average total assets | $88,580,400 | 5,222 |
| Average earning assets | $81,353,200 | 5,189 |
| Average equity | $7,674,400 | 5,670 |
| Average total loans | $55,978,400 | 5,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 4,792 |
| Cost of funding earning assets | 0.7497% | 5,469 |
| Net interest margin | 3.8690% | 3,526 |
| Noninterest income to average assets | 0.2111% | 6,105 |
| Noninterest expense to average assets | 2.5362% | 5,329 |
| Loan and lease loss provision to assets | 0.0832% | 5,401 |
| Net operating income to assets | 1.1464% | 1,826 |
| Return on assets (ROA) | 1.1433% | 1,953 |
| Pretax return on assets | 1.1433% | 2,848 |
| Return on Equity (ROE) | 13.0822% | 1,258 |
| Retained earnings to average equity (ytd only) | 3.0148% | 4,538 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3486% | 4,454 |
| Assets per employee ($millions) | 4.5570% | 2,829 |
| Cash dividends to net income (ytd only)* | 76.9536% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 7,136 |
| Loan loss allowance to noncurrent loans | 146.2687% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 6,034 |
| Noncurrent loans to loans | 0.3721% | 6,106 |
| Net loans and leases to total assets | 62.0422% | 3,712 |
| Net loans and leases to deposits | 74.2546% | 3,622 |
| Net loans and leases to core deposits | 75.2954% | 4,281 |
| Total domestic deposits to total assets | 83.5534% | 4,458 |
| Equity capital to assets | 9.0561% | 5,681 |
| Core capital (leverage) ratio | 8.2188% | 6,111 |
| Tier 1 risk-based capital ratio | 11.0856% | 6,491 |
| Total risk-based capital ratio | 11.5545% | 6,844 |
| Memoranda: | ||
| Average total assets | $86,532,250 | 5,313 |
| Average earning assets | $79,501,000 | 5,283 |
| Average equity | $7,562,250 | 5,731 |
| Average total loans | $55,500,500 | 5,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 4,702 |
| Cost of funding earning assets | 0.7494% | 5,671 |
| Net interest margin | 3.9112% | 3,255 |
| Noninterest income to average assets | 0.1988% | 6,248 |
| Noninterest expense to average assets | 2.5221% | 5,454 |
| Loan and lease loss provision to assets | 0.0809% | 5,299 |
| Net operating income to assets | 1.1790% | 1,639 |
| Return on assets (ROA) | 1.1790% | 1,723 |
| Pretax return on assets | 1.1790% | 2,566 |
| Return on Equity (ROE) | 13.6558% | 1,059 |
| Retained earnings to average equity (ytd only) | 11.7547% | 556 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6870% | 4,746 |
| Assets per employee ($millions) | 4.4495% | 2,929 |
| Cash dividends to net income (ytd only)* | 13.9216% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 7,221 |
| Loan loss allowance to noncurrent loans | 371.6216% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 6,436 |
| Noncurrent loans to loans | 0.1356% | 6,637 |
| Net loans and leases to total assets | 64.2075% | 3,417 |
| Net loans and leases to deposits | 77.6674% | 3,188 |
| Net loans and leases to core deposits | 78.7949% | 3,963 |
| Total domestic deposits to total assets | 82.6697% | 4,919 |
| Equity capital to assets | 9.3719% | 5,030 |
| Core capital (leverage) ratio | 8.6797% | 5,257 |
| Tier 1 risk-based capital ratio | 11.5473% | 6,132 |
| Total risk-based capital ratio | 11.9873% | 6,678 |
| Memoranda: | ||
| Average total assets | $86,515,330 | 5,357 |
| Average earning assets | $79,259,000 | 5,337 |
| Average equity | $7,469,330 | 5,780 |
| Average total loans | $55,996,670 | 5,122 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 4,796 |
| Cost of funding earning assets | 0.7338% | 5,957 |
| Net interest margin | 3.9035% | 3,122 |
| Noninterest income to average assets | 0.1646% | 6,551 |
| Noninterest expense to average assets | 2.4822% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2571% | 1,371 |
| Return on assets (ROA) | 1.2571% | 1,425 |
| Pretax return on assets | 1.2571% | 2,174 |
| Return on Equity (ROE) | 15.1881% | 797 |
| Retained earnings to average equity (ytd only) | 15.1881% | 379 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3814% | 4,972 |
| Assets per employee ($millions) | 4.3623% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4553% | 7,310 |
| Loan loss allowance to noncurrent loans | 827.5862% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 6,601 |
| Noncurrent loans to loans | 0.0550% | 6,907 |
| Net loans and leases to total assets | 63.3041% | 3,585 |
| Net loans and leases to deposits | 74.1758% | 3,732 |
| Net loans and leases to core deposits | 75.2395% | 4,390 |
| Total domestic deposits to total assets | 85.3434% | 3,870 |
| Equity capital to assets | 8.9861% | 5,218 |
| Core capital (leverage) ratio | 8.4050% | 5,620 |
| Tier 1 risk-based capital ratio | 11.4210% | 6,159 |
| Total risk-based capital ratio | 11.8096% | 6,766 |
| Memoranda: | ||
| Average total assets | $87,503,000 | 5,368 |
| Average earning assets | $80,133,000 | 5,359 |
| Average equity | $7,242,500 | 5,859 |
| Average total loans | $56,717,000 | 5,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1522% | 3,838 |
| Cost of funding earning assets | 0.8834% | 6,226 |
| Net interest margin | 4.2688% | 1,923 |
| Noninterest income to average assets | 0.1910% | 6,398 |
| Noninterest expense to average assets | 3.1848% | 3,150 |
| Loan and lease loss provision to assets | 0.1106% | 6,051 |
| Net operating income to assets | 0.7821% | 2,881 |
| Return on assets (ROA) | 0.7821% | 3,004 |
| Pretax return on assets | 0.7821% | 3,690 |
| Return on Equity (ROE) | 9.2805% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.1750% | 2,923 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1065% | 2,693 |
| Assets per employee ($millions) | 5.1179% | 1,987 |
| Cash dividends to net income (ytd only)* | 55.0129% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3952% | 7,427 |
| Loan loss allowance to noncurrent loans | 72.2892% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 6,364 |
| Noncurrent loans to loans | 0.5467% | 5,956 |
| Net loans and leases to total assets | 65.6575% | 3,534 |
| Net loans and leases to deposits | 76.6700% | 3,739 |
| Net loans and leases to core deposits | 77.6544% | 4,500 |
| Total domestic deposits to total assets | 85.6364% | 3,530 |
| Equity capital to assets | 7.6388% | 6,787 |
| Core capital (leverage) ratio | 8.4734% | 5,414 |
| Tier 1 risk-based capital ratio | 9.6957% | 7,082 |
| Total risk-based capital ratio | 10.0389% | 7,292 |
| Memoranda: | ||
| Average total assets | $49,736,000 | 6,548 |
| Average earning assets | $45,281,600 | 6,527 |
| Average equity | $4,191,600 | 6,924 |
| Average total loans | $34,732,000 | 6,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 2,788 |
| Cost of funding earning assets | 0.8892% | 6,439 |
| Net interest margin | 4.5318% | 1,185 |
| Noninterest income to average assets | 0.1840% | 6,565 |
| Noninterest expense to average assets | 3.2703% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0458% | 2,086 |
| Return on assets (ROA) | 1.0458% | 2,193 |
| Pretax return on assets | 1.0458% | 3,011 |
| Return on Equity (ROE) | 11.7612% | 1,567 |
| Retained earnings to average equity (ytd only) | 3.5630% | 3,941 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7695% | 2,996 |
| Assets per employee ($millions) | 4.9151% | 2,300 |
| Cash dividends to net income (ytd only)* | 69.7083% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 7,291 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,335 |
| Noncurrent loans to loans | 0.0174% | 7,215 |
| Net loans and leases to total assets | 72.4117% | 2,163 |
| Net loans and leases to deposits | 98.5839% | 759 |
| Net loans and leases to core deposits | 98.5839% | 1,985 |
| Total domestic deposits to total assets | 73.4518% | 6,996 |
| Equity capital to assets | 9.1198% | 5,418 |
| Core capital (leverage) ratio | 8.6273% | 5,301 |
| Tier 1 risk-based capital ratio | 10.1652% | 6,975 |
| Total risk-based capital ratio | 10.7442% | 7,254 |
| Memoranda: | ||
| Average total assets | $39,139,500 | 6,977 |
| Average earning assets | $35,687,500 | 6,968 |
| Average equity | $3,480,250 | 7,234 |
| Average total loans | $28,233,750 | 6,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 3,044 |
| Cost of funding earning assets | 0.9068% | 6,550 |
| Net interest margin | 4.4782% | 1,252 |
| Noninterest income to average assets | 0.1894% | 6,549 |
| Noninterest expense to average assets | 3.2601% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0236% | 2,103 |
| Return on assets (ROA) | 1.0236% | 2,180 |
| Pretax return on assets | 1.0236% | 3,029 |
| Return on Equity (ROE) | 11.6110% | 1,558 |
| Retained earnings to average equity (ytd only) | -0.8128% | 5,927 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1051% | 3,060 |
| Assets per employee ($millions) | 4.2832% | 3,245 |
| Cash dividends to net income (ytd only)* | 107.0000% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 7,313 |
| Loan loss allowance to noncurrent loans | 330.3571% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 7,030 |
| Noncurrent loans to loans | 0.2017% | 6,849 |
| Net loans and leases to total assets | 71.5375% | 2,527 |
| Net loans and leases to deposits | 95.7768% | 1,070 |
| Net loans and leases to core deposits | 95.7768% | 2,466 |
| Total domestic deposits to total assets | 74.6920% | 6,885 |
| Equity capital to assets | 8.8589% | 5,659 |
| Core capital (leverage) ratio | 8.2228% | 5,904 |
| Tier 1 risk-based capital ratio | 10.1159% | 6,961 |
| Total risk-based capital ratio | 10.7115% | 7,283 |
| Memoranda: | ||
| Average total assets | $39,079,000 | 7,025 |
| Average earning assets | $35,728,330 | 7,014 |
| Average equity | $3,445,000 | 7,280 |
| Average total loans | $28,092,330 | 6,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 3,531 |
| Cost of funding earning assets | 0.9098% | 6,730 |
| Net interest margin | 4.3939% | 1,409 |
| Noninterest income to average assets | 0.1932% | 6,582 |
| Noninterest expense to average assets | 3.3855% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8337% | 2,825 |
| Return on assets (ROA) | 0.8337% | 2,919 |
| Pretax return on assets | 0.8337% | 3,736 |
| Return on Equity (ROE) | 9.4798% | 2,299 |
| Retained earnings to average equity (ytd only) | 5.5491% | 2,843 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2410% | 2,528 |
| Assets per employee ($millions) | 3.7621% | 4,398 |
| Cash dividends to net income (ytd only)* | 41.4634% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 7,372 |
| Loan loss allowance to noncurrent loans | 4,625.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,473 |
| Noncurrent loans to loans | 0.0147% | 7,383 |
| Net loans and leases to total assets | 71.7498% | 2,514 |
| Net loans and leases to deposits | 96.4415% | 1,056 |
| Net loans and leases to core deposits | 96.4415% | 2,535 |
| Total domestic deposits to total assets | 74.3973% | 6,994 |
| Equity capital to assets | 9.2555% | 4,906 |
| Core capital (leverage) ratio | 8.5204% | 5,340 |
| Tier 1 risk-based capital ratio | 10.4511% | 6,673 |
| Total risk-based capital ratio | 11.0546% | 7,146 |
| Memoranda: | ||
| Average total assets | $39,344,000 | 7,107 |
| Average earning assets | $36,050,000 | 7,092 |
| Average equity | $3,460,000 | 7,358 |
| Average total loans | $28,257,500 | 6,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6017% | 3,602 |
| Cost of funding earning assets | 0.8532% | 7,480 |
| Net interest margin | 4.7485% | 766 |
| Noninterest income to average assets | 0.2015% | 6,661 |
| Noninterest expense to average assets | 3.0384% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5077% | 660 |
| Return on assets (ROA) | 1.7195% | 451 |
| Pretax return on assets | 1.7195% | 747 |
| Return on Equity (ROE) | 19.0234% | 304 |
| Retained earnings to average equity (ytd only) | -8.2416% | 6,370 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8350% | 5,219 |
| Assets per employee ($millions) | 4.1067% | 3,601 |
| Cash dividends to net income (ytd only)* | 143.3234% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 7,514 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 7,500 |
| Noncurrent loans to loans | 0.0170% | 7,394 |
| Net loans and leases to total assets | 70.9864% | 3,007 |
| Net loans and leases to deposits | 110.5121% | 372 |
| Net loans and leases to core deposits | 119.2213% | 2,010 |
| Total domestic deposits to total assets | 64.2341% | 7,705 |
| Equity capital to assets | 8.3717% | 6,099 |
| Core capital (leverage) ratio | 8.1546% | 5,898 |
| Tier 1 risk-based capital ratio | 9.6299% | 7,135 |
| Total risk-based capital ratio | 10.1944% | 7,513 |
| Memoranda: | ||
| Average total assets | $39,198,200 | 7,129 |
| Average earning assets | $35,864,200 | 7,105 |
| Average equity | $3,543,000 | 7,431 |
| Average total loans | $26,659,400 | 6,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 3,664 |
| Cost of funding earning assets | 0.8390% | 7,642 |
| Net interest margin | 4.7970% | 682 |
| Noninterest income to average assets | 0.1997% | 6,788 |
| Noninterest expense to average assets | 3.0328% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5560% | 727 |
| Return on assets (ROA) | 1.8417% | 428 |
| Pretax return on assets | 1.8417% | 743 |
| Return on Equity (ROE) | 19.9852% | 316 |
| Retained earnings to average equity (ytd only) | -3.8103% | 6,080 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0915% | 5,346 |
| Assets per employee ($millions) | 3.7239% | 4,371 |
| Cash dividends to net income (ytd only)* | 119.0644% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7295% | 7,308 |
| Loan loss allowance to noncurrent loans | 840.9091% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 7,409 |
| Noncurrent loans to loans | 0.0868% | 7,268 |
| Net loans and leases to total assets | 67.6012% | 4,049 |
| Net loans and leases to deposits | 96.9424% | 1,452 |
| Net loans and leases to core deposits | 104.5388% | 3,867 |
| Total domestic deposits to total assets | 69.7333% | 7,437 |
| Equity capital to assets | 9.9331% | 4,169 |
| Core capital (leverage) ratio | 8.8835% | 4,837 |
| Tier 1 risk-based capital ratio | 11.5560% | 5,379 |
| Total risk-based capital ratio | 12.1951% | 5,964 |
| Memoranda: | ||
| Average total assets | $38,731,000 | 7,210 |
| Average earning assets | $35,438,250 | 7,186 |
| Average equity | $3,569,250 | 7,488 |
| Average total loans | $25,990,000 | 6,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 4,561 |
| Cost of funding earning assets | 0.8032% | 7,815 |
| Net interest margin | 4.7086% | 787 |
| Noninterest income to average assets | 0.1937% | 6,906 |
| Noninterest expense to average assets | 2.9214% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6060% | 672 |
| Return on assets (ROA) | 1.6060% | 737 |
| Pretax return on assets | 1.6060% | 1,190 |
| Return on Equity (ROE) | 17.8673% | 505 |
| Retained earnings to average equity (ytd only) | -18.2643% | 7,402 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5270% | 5,800 |
| Assets per employee ($millions) | 3.8203% | 4,048 |
| Cash dividends to net income (ytd only)* | 202.2222% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 7,358 |
| Loan loss allowance to noncurrent loans | 804.3478% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,443 |
| Noncurrent loans to loans | 0.0908% | 7,298 |
| Net loans and leases to total assets | 65.8011% | 4,604 |
| Net loans and leases to deposits | 94.5038% | 2,014 |
| Net loans and leases to core deposits | 100.8465% | 4,420 |
| Total domestic deposits to total assets | 69.6280% | 7,508 |
| Equity capital to assets | 8.8553% | 5,518 |
| Core capital (leverage) ratio | 8.1459% | 6,087 |
| Tier 1 risk-based capital ratio | 10.6455% | 6,236 |
| Total risk-based capital ratio | 11.2758% | 6,824 |
| Memoranda: | ||
| Average total assets | $39,228,330 | 7,247 |
| Average earning assets | $36,104,000 | 7,217 |
| Average equity | $3,526,000 | 7,567 |
| Average total loans | $26,200,330 | 6,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 5,710 |
| Cost of funding earning assets | 0.7425% | 7,969 |
| Net interest margin | 4.5969% | 944 |
| Noninterest income to average assets | 0.1812% | 7,000 |
| Noninterest expense to average assets | 2.7780% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6406% | 737 |
| Return on assets (ROA) | 1.6406% | 807 |
| Pretax return on assets | 1.6406% | 1,313 |
| Return on Equity (ROE) | 18.1237% | 585 |
| Retained earnings to average equity (ytd only) | -23.3495% | 7,729 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8702% | 5,901 |
| Assets per employee ($millions) | 3.8141% | 4,054 |
| Cash dividends to net income (ytd only)* | 228.8344% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 7,367 |
| Loan loss allowance to noncurrent loans | 770.8333% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,409 |
| Noncurrent loans to loans | 0.0943% | 7,256 |
| Net loans and leases to total assets | 66.2699% | 4,522 |
| Net loans and leases to deposits | 98.7190% | 1,569 |
| Net loans and leases to core deposits | 104.2610% | 4,112 |
| Total domestic deposits to total assets | 67.1299% | 7,662 |
| Equity capital to assets | 9.2342% | 5,035 |
| Core capital (leverage) ratio | 8.6969% | 5,156 |
| Tier 1 risk-based capital ratio | 11.0414% | 5,870 |
| Total risk-based capital ratio | 11.6724% | 6,386 |
| Memoranda: | ||
| Average total assets | $39,741,000 | 7,265 |
| Average earning assets | $36,633,500 | 7,239 |
| Average equity | $3,597,500 | 7,591 |
| Average total loans | $26,639,000 | 6,966 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 6,228 |
| Cost of funding earning assets | 1.5905% | 7,469 |
| Net interest margin | 4.2709% | 2,069 |
| Noninterest income to average assets | 0.1959% | 7,050 |
| Noninterest expense to average assets | 2.6528% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5105% | 999 |
| Return on assets (ROA) | 1.5105% | 967 |
| Pretax return on assets | 1.5105% | 1,655 |
| Return on Equity (ROE) | 18.0668% | 517 |
| Retained earnings to average equity (ytd only) | -1.4962% | 5,737 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7188% | 5,624 |
| Assets per employee ($millions) | 4.1341% | 3,244 |
| Cash dividends to net income (ytd only)* | 108.2813% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6651% | 7,517 |
| Loan loss allowance to noncurrent loans | 2,312.5000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 7,524 |
| Noncurrent loans to loans | 0.0288% | 7,396 |
| Net loans and leases to total assets | 66.8392% | 4,673 |
| Net loans and leases to deposits | 108.4501% | 945 |
| Net loans and leases to core deposits | 116.7237% | 3,040 |
| Total domestic deposits to total assets | 61.6313% | 7,903 |
| Equity capital to assets | 8.8846% | 5,519 |
| Core capital (leverage) ratio | 8.9081% | 4,875 |
| Tier 1 risk-based capital ratio | 10.7110% | 5,996 |
| Total risk-based capital ratio | 11.2858% | 6,572 |
| Memoranda: | ||
| Average total assets | $42,371,000 | 7,111 |
| Average earning assets | $39,359,400 | 7,066 |
| Average equity | $3,542,400 | 7,662 |
| Average total loans | $24,820,000 | 7,037 |