Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 3,189 |
| Cost of funding earning assets | 1.7027% | 2,728 |
| Net interest margin | 3.2472% | 2,893 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.6728% | 4,067 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.6463% | 821 |
| Return on assets (ROA) | 1.6463% | 820 |
| Pretax return on assets | 1.6463% | 1,208 |
| Return on Equity (ROE) | 14.0200% | 1,259 |
| Retained earnings to average equity (ytd only) | 9.0436% | 1,428 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.2188% | 3,938 |
| Assets per employee ($millions) | 9.7404% | 863 |
| Cash dividends to net income (ytd only)* | 35.4839% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0666% | 355 |
| Loan loss allowance to noncurrent loans | 2,490.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,538 |
| Noncurrent loans to loans | 0.0830% | 3,255 |
| Net loans and leases to total assets | 30.2900% | 4,192 |
| Net loans and leases to deposits | 34.4883% | 4,212 |
| Net loans and leases to core deposits | 38.2149% | 4,191 |
| Total domestic deposits to total assets | 87.8200% | 1,616 |
| Equity capital to assets | 11.6551% | 1,359 |
| Core capital (leverage) ratio | 12.7862% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $75,322,000 | 3,993 |
| Average earning assets | $73,294,000 | 3,937 |
| Average equity | $8,846,000 | 3,900 |
| Average total loans | $24,086,000 | 4,160 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 2,736 |
| Cost of funding earning assets | 1.7645% | 2,814 |
| Net interest margin | 3.4326% | 2,217 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.8370% | 3,901 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.6831% | 677 |
| Return on assets (ROA) | 1.6761% | 679 |
| Pretax return on assets | 1.6761% | 1,010 |
| Return on Equity (ROE) | 14.1900% | 1,084 |
| Retained earnings to average equity (ytd only) | 7.3744% | 1,306 |
| Net charge-offs to loans | -0.0295% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 51.3620% | 3,913 |
| Assets per employee ($millions) | 9.0901% | 1,035 |
| Cash dividends to net income (ytd only)* | 48.0202% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 362 |
| Loan loss allowance to noncurrent loans | 2,542.1053% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,518 |
| Noncurrent loans to loans | 0.0789% | 3,247 |
| Net loans and leases to total assets | 32.4400% | 4,183 |
| Net loans and leases to deposits | 36.9898% | 4,205 |
| Net loans and leases to core deposits | 41.5598% | 4,174 |
| Total domestic deposits to total assets | 87.7000% | 1,629 |
| Equity capital to assets | 11.8398% | 1,242 |
| Core capital (leverage) ratio | 12.9344% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $70,820,800 | 4,039 |
| Average earning assets | $68,460,800 | 3,995 |
| Average equity | $8,366,800 | 3,931 |
| Average total loans | $23,748,200 | 4,170 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 2,630 |
| Cost of funding earning assets | 1.7406% | 2,864 |
| Net interest margin | 3.4713% | 2,098 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.6755% | 4,106 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.8707% | 531 |
| Return on assets (ROA) | 1.8593% | 542 |
| Pretax return on assets | 1.8593% | 798 |
| Return on Equity (ROE) | 15.7500% | 851 |
| Retained earnings to average equity (ytd only) | 9.0053% | 1,120 |
| Net charge-offs to loans | -0.1127% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.4530% | 4,147 |
| Assets per employee ($millions) | 8.9703% | 1,071 |
| Cash dividends to net income (ytd only)* | 42.8135% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0441% | 357 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 32.5900% | 4,203 |
| Net loans and leases to deposits | 37.5275% | 4,229 |
| Net loans and leases to core deposits | 42.2763% | 4,197 |
| Total domestic deposits to total assets | 86.8400% | 1,650 |
| Equity capital to assets | 12.5972% | 1,074 |
| Core capital (leverage) ratio | 13.1363% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $70,345,750 | 4,058 |
| Average earning assets | $67,869,000 | 4,018 |
| Average equity | $8,306,000 | 3,952 |
| Average total loans | $23,666,750 | 4,196 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 2,725 |
| Cost of funding earning assets | 1.7765% | 2,678 |
| Net interest margin | 3.3387% | 2,322 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.6344% | 4,154 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.7746% | 604 |
| Return on assets (ROA) | 1.7575% | 620 |
| Pretax return on assets | 1.7575% | 907 |
| Return on Equity (ROE) | 15.2300% | 949 |
| Retained earnings to average equity (ytd only) | 9.2789% | 1,034 |
| Net charge-offs to loans | -0.2712% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 47.1511% | 4,144 |
| Assets per employee ($millions) | 8.9645% | 1,019 |
| Cash dividends to net income (ytd only)* | 39.0879% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 389 |
| Loan loss allowance to noncurrent loans | 1,807.4074% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,432 |
| Noncurrent loans to loans | 0.1112% | 3,091 |
| Net loans and leases to total assets | 33.1800% | 4,205 |
| Net loans and leases to deposits | 37.7186% | 4,240 |
| Net loans and leases to core deposits | 38.8842% | 4,250 |
| Total domestic deposits to total assets | 87.9600% | 1,342 |
| Equity capital to assets | 11.5790% | 1,315 |
| Core capital (leverage) ratio | 13.0139% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $69,873,667 | 4,079 |
| Average earning assets | $67,212,000 | 4,043 |
| Average equity | $8,061,333 | 3,971 |
| Average total loans | $23,597,667 | 4,216 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 2,663 |
| Cost of funding earning assets | 1.7521% | 2,631 |
| Net interest margin | 3.3096% | 2,322 |
| Noninterest income to average assets | 0.2600% | 3,210 |
| Noninterest expense to average assets | 1.6301% | 4,158 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.7345% | 630 |
| Return on assets (ROA) | 1.7345% | 634 |
| Pretax return on assets | 1.7345% | 912 |
| Return on Equity (ROE) | 15.0600% | 983 |
| Retained earnings to average equity (ytd only) | 10.0252% | 1,104 |
| Net charge-offs to loans | -0.2752% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 47.7891% | 4,112 |
| Assets per employee ($millions) | 10.2059% | 691 |
| Cash dividends to net income (ytd only)* | 33.4448% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 429 |
| Loan loss allowance to noncurrent loans | 6,571.4286% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,749 |
| Noncurrent loans to loans | 0.0294% | 3,567 |
| Net loans and leases to total assets | 32.6300% | 4,223 |
| Net loans and leases to deposits | 36.9664% | 4,247 |
| Net loans and leases to core deposits | 40.7279% | 4,261 |
| Total domestic deposits to total assets | 88.2700% | 1,331 |
| Equity capital to assets | 11.2232% | 1,423 |
| Core capital (leverage) ratio | 13.1762% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $68,952,500 | 4,113 |
| Average earning assets | $65,748,500 | 4,078 |
| Average equity | $7,940,000 | 3,999 |
| Average total loans | $23,255,500 | 4,242 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5171% | 3,071 |
| Cost of funding earning assets | 1.2029% | 2,795 |
| Net interest margin | 3.3143% | 2,597 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7849% | 4,023 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.5240% | 972 |
| Return on assets (ROA) | 1.5133% | 961 |
| Pretax return on assets | 1.5133% | 1,386 |
| Return on Equity (ROE) | 13.4900% | 1,604 |
| Retained earnings to average equity (ytd only) | 7.5082% | 1,700 |
| Net charge-offs to loans | 0.6132% | 161 |
| Credit loss provision to net charge-offs | 70.3704% | 2,082 |
| Earnings coverage of net charge-offs (x) | 8.1037% | 2,364 |
| Efficiency ratio | 51.6784% | 3,862 |
| Assets per employee ($millions) | 9.4949% | 828 |
| Cash dividends to net income (ytd only)* | 44.3548% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 439 |
| Loan loss allowance to noncurrent loans | 6,228.5714% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,706 |
| Noncurrent loans to loans | 0.0308% | 3,517 |
| Net loans and leases to total assets | 33.5600% | 4,221 |
| Net loans and leases to deposits | 38.2284% | 4,235 |
| Net loans and leases to core deposits | 42.1801% | 4,252 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 11.8290% | 1,190 |
| Core capital (leverage) ratio | 13.2728% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $65,551,600 | 4,156 |
| Average earning assets | $62,517,400 | 4,113 |
| Average equity | $7,352,000 | 4,007 |
| Average total loans | $22,016,600 | 4,267 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 3,251 |
| Cost of funding earning assets | 1.0468% | 2,900 |
| Net interest margin | 3.2765% | 2,741 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.7288% | 4,080 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.5553% | 1,011 |
| Return on assets (ROA) | 1.5410% | 1,030 |
| Pretax return on assets | 1.5410% | 1,483 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,750 |
| Net charge-offs to loans | 0.7266% | 123 |
| Credit loss provision to net charge-offs | 63.0252% | 1,842 |
| Earnings coverage of net charge-offs (x) | 7.0336% | 2,255 |
| Efficiency ratio | 50.2969% | 3,893 |
| Assets per employee ($millions) | 9.4013% | 809 |
| Cash dividends to net income (ytd only)* | 37.0861% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 437 |
| Loan loss allowance to noncurrent loans | 1,878.2609% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,455 |
| Noncurrent loans to loans | 0.1031% | 3,059 |
| Net loans and leases to total assets | 33.2300% | 4,261 |
| Net loans and leases to deposits | 37.5702% | 4,266 |
| Net loans and leases to core deposits | 38.2010% | 4,290 |
| Total domestic deposits to total assets | 88.4400% | 1,431 |
| Equity capital to assets | 11.2006% | 1,277 |
| Core capital (leverage) ratio | 13.4035% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $65,323,500 | 4,177 |
| Average earning assets | $62,667,750 | 4,129 |
| Average equity | $7,224,500 | 4,019 |
| Average total loans | $21,835,750 | 4,289 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,354 |
| Cost of funding earning assets | 0.9688% | 2,704 |
| Net interest margin | 3.2017% | 2,994 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7157% | 4,129 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.4579% | 1,194 |
| Return on assets (ROA) | 1.4364% | 1,231 |
| Pretax return on assets | 1.4364% | 1,733 |
| Return on Equity (ROE) | 13.0400% | 1,893 |
| Retained earnings to average equity (ytd only) | 8.5846% | 1,795 |
| Net charge-offs to loans | 1.0608% | 85 |
| Credit loss provision to net charge-offs | 52.1739% | 1,661 |
| Earnings coverage of net charge-offs (x) | 4.6522% | 2,209 |
| Efficiency ratio | 51.0969% | 3,845 |
| Assets per employee ($millions) | 8.0649% | 1,287 |
| Cash dividends to net income (ytd only)* | 34.1880% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 509 |
| Loan loss allowance to noncurrent loans | 1,754.1667% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,408 |
| Noncurrent loans to loans | 0.1077% | 2,941 |
| Net loans and leases to total assets | 33.8800% | 4,239 |
| Net loans and leases to deposits | 38.3304% | 4,249 |
| Net loans and leases to core deposits | 38.7477% | 4,278 |
| Total domestic deposits to total assets | 88.3800% | 1,466 |
| Equity capital to assets | 11.3300% | 1,261 |
| Core capital (leverage) ratio | 13.1276% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $65,161,667 | 4,194 |
| Average earning assets | $62,342,333 | 4,156 |
| Average equity | $7,175,667 | 4,054 |
| Average total loans | $21,681,333 | 4,309 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9573% | 3,538 |
| Cost of funding earning assets | 0.8287% | 2,611 |
| Net interest margin | 3.1286% | 3,290 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.5943% | 4,311 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4233% | 1,342 |
| Return on assets (ROA) | 1.4233% | 1,314 |
| Pretax return on assets | 1.4233% | 1,823 |
| Return on Equity (ROE) | 13.1100% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.8602% | 1,501 |
| Net charge-offs to loans | 2.2073% | 39 |
| Credit loss provision to net charge-offs | 33.8983% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.3136% | 1,933 |
| Efficiency ratio | 48.8764% | 4,038 |
| Assets per employee ($millions) | 9.3077% | 840 |
| Cash dividends to net income (ytd only)* | 17.1674% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 547 |
| Loan loss allowance to noncurrent loans | 1,283.8710% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,312 |
| Noncurrent loans to loans | 0.1472% | 2,757 |
| Net loans and leases to total assets | 31.7000% | 4,332 |
| Net loans and leases to deposits | 35.7785% | 4,334 |
| Net loans and leases to core deposits | 38.5215% | 4,308 |
| Total domestic deposits to total assets | 88.6100% | 1,697 |
| Equity capital to assets | 11.1597% | 1,285 |
| Core capital (leverage) ratio | 13.0086% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,483,000 | 4,249 |
| Average earning assets | $62,264,000 | 4,216 |
| Average equity | $7,108,500 | 4,108 |
| Average total loans | $21,383,500 | 4,372 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7276% | 4,383 |
| Cost of funding earning assets | 0.3224% | 2,705 |
| Net interest margin | 2.4053% | 4,355 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.5817% | 4,328 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9554% | 2,742 |
| Return on assets (ROA) | 0.9475% | 2,726 |
| Pretax return on assets | 0.9475% | 3,227 |
| Return on Equity (ROE) | 8.3100% | 3,307 |
| Retained earnings to average equity (ytd only) | 5.1036% | 3,002 |
| Net charge-offs to loans | 0.3339% | 227 |
| Credit loss provision to net charge-offs | 64.2857% | 1,753 |
| Earnings coverage of net charge-offs (x) | 9.2286% | 2,231 |
| Efficiency ratio | 60.6338% | 2,969 |
| Assets per employee ($millions) | 9.4017% | 811 |
| Cash dividends to net income (ytd only)* | 38.5906% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1922% | 308 |
| Loan loss allowance to noncurrent loans | 4,760.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,707 |
| Noncurrent loans to loans | 0.0461% | 3,420 |
| Net loans and leases to total assets | 32.2700% | 4,332 |
| Net loans and leases to deposits | 36.1370% | 4,339 |
| Net loans and leases to core deposits | 38.8550% | 4,306 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 10.5543% | 1,431 |
| Core capital (leverage) ratio | 12.7515% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,905,200 | 4,310 |
| Average earning assets | $60,492,000 | 4,255 |
| Average equity | $7,171,400 | 4,186 |
| Average total loans | $20,963,000 | 4,401 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4396% | 4,479 |
| Cost of funding earning assets | 0.2280% | 2,949 |
| Net interest margin | 2.2116% | 4,458 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.5525% | 4,359 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8599% | 3,034 |
| Return on assets (ROA) | 0.8513% | 3,036 |
| Pretax return on assets | 0.8513% | 3,469 |
| Return on Equity (ROE) | 7.3200% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.7409% | 3,181 |
| Net charge-offs to loans | 0.2310% | 300 |
| Credit loss provision to net charge-offs | 41.6667% | 1,558 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 1,941 |
| Efficiency ratio | 63.5088% | 2,621 |
| Assets per employee ($millions) | 8.9704% | 903 |
| Cash dividends to net income (ytd only)* | 35.2645% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 350 |
| Loan loss allowance to noncurrent loans | 1,230.7692% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,265 |
| Noncurrent loans to loans | 0.1780% | 2,698 |
| Net loans and leases to total assets | 34.1200% | 4,301 |
| Net loans and leases to deposits | 38.2920% | 4,297 |
| Net loans and leases to core deposits | 38.7141% | 4,322 |
| Total domestic deposits to total assets | 89.1000% | 2,046 |
| Equity capital to assets | 10.7098% | 1,288 |
| Core capital (leverage) ratio | 13.0339% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $62,178,500 | 4,349 |
| Average earning assets | $60,225,750 | 4,293 |
| Average equity | $7,227,750 | 4,222 |
| Average total loans | $20,775,500 | 4,439 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2099% | 4,562 |
| Cost of funding earning assets | 0.1864% | 3,096 |
| Net interest margin | 2.0236% | 4,545 |
| Noninterest income to average assets | 0.2937% | 3,407 |
| Noninterest expense to average assets | 1.5265% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7293% | 3,212 |
| Return on assets (ROA) | 0.7164% | 3,207 |
| Pretax return on assets | 0.7164% | 3,536 |
| Return on Equity (ROE) | 6.0038% | 3,572 |
| Retained earnings to average equity (ytd only) | 3.8403% | 3,147 |
| Net charge-offs to loans | -0.0196% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6681% | 2,285 |
| Assets per employee ($millions) | 8.8960% | 924 |
| Cash dividends to net income (ytd only)* | 36.0360% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3354% | 311 |
| Loan loss allowance to noncurrent loans | 25,150.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,032 |
| Noncurrent loans to loans | 0.0093% | 3,923 |
| Net loans and leases to total assets | 33.7792% | 4,344 |
| Net loans and leases to deposits | 38.0022% | 4,335 |
| Net loans and leases to core deposits | 38.4257% | 4,373 |
| Total domestic deposits to total assets | 88.8875% | 2,234 |
| Equity capital to assets | 10.9552% | 1,232 |
| Core capital (leverage) ratio | 12.8166% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,973,667 | 4,396 |
| Average earning assets | $60,092,000 | 4,354 |
| Average equity | $7,395,333 | 4,267 |
| Average total loans | $20,399,333 | 4,500 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0738% | 4,591 |
| Cost of funding earning assets | 0.1800% | 3,086 |
| Net interest margin | 1.8938% | 4,579 |
| Noninterest income to average assets | 0.2911% | 3,379 |
| Noninterest expense to average assets | 1.5334% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5952% | 3,410 |
| Return on assets (ROA) | 0.5952% | 3,393 |
| Pretax return on assets | 0.5952% | 3,649 |
| Return on Equity (ROE) | 4.7904% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.9680% | 3,276 |
| Net charge-offs to loans | -0.0202% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0365% | 1,968 |
| Assets per employee ($millions) | 8.9416% | 940 |
| Cash dividends to net income (ytd only)* | 38.0435% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.2265% | 4,412 |
| Net loans and leases to deposits | 35.4249% | 4,403 |
| Net loans and leases to core deposits | 39.0096% | 4,338 |
| Total domestic deposits to total assets | 88.1485% | 2,460 |
| Equity capital to assets | 11.7317% | 1,050 |
| Core capital (leverage) ratio | 13.0369% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,824,500 | 4,423 |
| Average earning assets | $59,986,500 | 4,379 |
| Average equity | $7,682,000 | 4,296 |
| Average total loans | $19,830,000 | 4,527 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8077% | 4,196 |
| Cost of funding earning assets | 0.2095% | 3,372 |
| Net interest margin | 2.5982% | 4,051 |
| Noninterest income to average assets | 0.2859% | 3,679 |
| Noninterest expense to average assets | 1.7505% | 4,225 |
| Loan and lease loss provision to assets | 0.0836% | 1,470 |
| Net operating income to assets | 0.9396% | 2,908 |
| Return on assets (ROA) | 0.9430% | 2,966 |
| Pretax return on assets | 0.9430% | 3,391 |
| Return on Equity (ROE) | 6.9674% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.2614% | 3,517 |
| Net charge-offs to loans | 0.2048% | 464 |
| Credit loss provision to net charge-offs | 121.9512% | 1,637 |
| Earnings coverage of net charge-offs (x) | 14.9268% | 2,015 |
| Efficiency ratio | 63.1103% | 2,696 |
| Assets per employee ($millions) | 7.6323% | 1,535 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5544% | 255 |
| Loan loss allowance to noncurrent loans | 7,157.1429% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,029 |
| Noncurrent loans to loans | 0.0357% | 3,821 |
| Net loans and leases to total assets | 31.3014% | 4,472 |
| Net loans and leases to deposits | 36.0883% | 4,475 |
| Net loans and leases to core deposits | 39.9090% | 4,391 |
| Total domestic deposits to total assets | 86.7356% | 2,607 |
| Equity capital to assets | 13.1367% | 862 |
| Core capital (leverage) ratio | 13.0809% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,810,200 | 4,455 |
| Average earning assets | $57,271,400 | 4,424 |
| Average equity | $8,094,800 | 4,322 |
| Average total loans | $20,020,000 | 4,567 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0204% | 3,969 |
| Cost of funding earning assets | 0.2157% | 3,460 |
| Net interest margin | 2.8046% | 3,769 |
| Noninterest income to average assets | 0.2891% | 3,724 |
| Noninterest expense to average assets | 1.7950% | 4,180 |
| Loan and lease loss provision to assets | 0.0857% | 1,388 |
| Net operating income to assets | 1.0891% | 2,599 |
| Return on assets (ROA) | 1.0891% | 2,652 |
| Pretax return on assets | 1.0891% | 3,218 |
| Return on Equity (ROE) | 7.9867% | 3,408 |
| Retained earnings to average equity (ytd only) | 3.9605% | 3,586 |
| Net charge-offs to loans | 0.1789% | 480 |
| Credit loss provision to net charge-offs | 140.7407% | 1,388 |
| Earnings coverage of net charge-offs (x) | 19.4074% | 1,760 |
| Efficiency ratio | 60.4528% | 2,918 |
| Assets per employee ($millions) | 7.5968% | 1,510 |
| Cash dividends to net income (ytd only)* | 50.4115% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 31.1976% | 4,561 |
| Net loans and leases to deposits | 36.1432% | 4,573 |
| Net loans and leases to core deposits | 40.0101% | 4,513 |
| Total domestic deposits to total assets | 86.3165% | 2,628 |
| Equity capital to assets | 13.4762% | 857 |
| Core capital (leverage) ratio | 13.2283% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,498,250 | 4,514 |
| Average earning assets | $56,857,000 | 4,487 |
| Average equity | $8,113,250 | 4,382 |
| Average total loans | $20,121,750 | 4,632 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 3,907 |
| Cost of funding earning assets | 0.2279% | 3,482 |
| Net interest margin | 2.8524% | 3,675 |
| Noninterest income to average assets | 0.2844% | 3,721 |
| Noninterest expense to average assets | 1.8486% | 4,075 |
| Loan and lease loss provision to assets | 0.0846% | 1,449 |
| Net operating income to assets | 1.0631% | 2,670 |
| Return on assets (ROA) | 1.0631% | 2,744 |
| Pretax return on assets | 1.0631% | 3,306 |
| Return on Equity (ROE) | 7.7649% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.4265% | 3,389 |
| Net charge-offs to loans | 0.1377% | 580 |
| Credit loss provision to net charge-offs | 178.5714% | 1,096 |
| Earnings coverage of net charge-offs (x) | 24.2143% | 1,442 |
| Efficiency ratio | 61.6949% | 2,773 |
| Assets per employee ($millions) | 7.5643% | 1,438 |
| Cash dividends to net income (ytd only)* | 42.9936% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5200% | 273 |
| Loan loss allowance to noncurrent loans | 728.9855% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 3,470 |
| Noncurrent loans to loans | 0.3457% | 2,664 |
| Net loans and leases to total assets | 32.1529% | 4,587 |
| Net loans and leases to deposits | 37.3104% | 4,603 |
| Net loans and leases to core deposits | 37.7520% | 4,631 |
| Total domestic deposits to total assets | 86.1768% | 2,677 |
| Equity capital to assets | 13.4035% | 843 |
| Core capital (leverage) ratio | 13.4732% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,073,000 | 4,547 |
| Average earning assets | $56,162,667 | 4,518 |
| Average equity | $8,087,667 | 4,405 |
| Average total loans | $20,341,333 | 4,658 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5384% | 4,621 |
| Cost of funding earning assets | 0.2459% | 3,510 |
| Net interest margin | 2.2925% | 4,535 |
| Noninterest income to average assets | 0.2879% | 3,683 |
| Noninterest expense to average assets | 1.6246% | 4,499 |
| Loan and lease loss provision to assets | 0.1028% | 1,320 |
| Net operating income to assets | 0.7335% | 3,622 |
| Return on assets (ROA) | 0.7335% | 3,690 |
| Pretax return on assets | 0.7335% | 3,948 |
| Return on Equity (ROE) | 5.2997% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.0708% | 3,759 |
| Net charge-offs to loans | 0.0195% | 1,349 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 544 |
| Efficiency ratio | 66.0167% | 2,234 |
| Assets per employee ($millions) | 7.3580% | 1,554 |
| Cash dividends to net income (ytd only)* | 42.0561% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3836% | 314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.2032% | 4,542 |
| Net loans and leases to deposits | 41.0337% | 4,533 |
| Net loans and leases to core deposits | 45.1558% | 4,468 |
| Total domestic deposits to total assets | 85.7910% | 2,817 |
| Equity capital to assets | 13.6807% | 746 |
| Core capital (leverage) ratio | 13.8643% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,352,500 | 4,575 |
| Average earning assets | $55,311,500 | 4,544 |
| Average equity | $8,076,000 | 4,424 |
| Average total loans | $20,532,000 | 4,680 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9536% | 4,668 |
| Cost of funding earning assets | 0.5177% | 2,827 |
| Net interest margin | 2.4359% | 4,634 |
| Noninterest income to average assets | 0.3108% | 3,624 |
| Noninterest expense to average assets | 1.7211% | 4,596 |
| Loan and lease loss provision to assets | 0.1258% | 2,787 |
| Net operating income to assets | 0.7887% | 3,138 |
| Return on assets (ROA) | 0.7887% | 3,258 |
| Pretax return on assets | 0.7887% | 3,655 |
| Return on Equity (ROE) | 5.5308% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.0111% | 3,343 |
| Net charge-offs to loans | 0.0552% | 1,997 |
| Credit loss provision to net charge-offs | 636.3636% | 1,066 |
| Earnings coverage of net charge-offs (x) | 46.2727% | 1,273 |
| Efficiency ratio | 65.3033% | 2,636 |
| Assets per employee ($millions) | 7.2301% | 1,428 |
| Cash dividends to net income (ytd only)* | 45.5581% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4803% | 272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.4434% | 4,666 |
| Net loans and leases to deposits | 38.9646% | 4,683 |
| Net loans and leases to core deposits | 42.9523% | 4,631 |
| Total domestic deposits to total assets | 85.8301% | 2,441 |
| Equity capital to assets | 14.0022% | 798 |
| Core capital (leverage) ratio | 13.9517% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,663,600 | 4,577 |
| Average earning assets | $53,122,000 | 4,539 |
| Average equity | $7,937,400 | 4,430 |
| Average total loans | $19,916,400 | 4,719 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0304% | 4,716 |
| Cost of funding earning assets | 0.5909% | 2,674 |
| Net interest margin | 2.4395% | 4,699 |
| Noninterest income to average assets | 0.3120% | 3,621 |
| Noninterest expense to average assets | 1.7078% | 4,614 |
| Loan and lease loss provision to assets | 0.1089% | 2,957 |
| Net operating income to assets | 0.8321% | 2,975 |
| Return on assets (ROA) | 0.8321% | 3,098 |
| Pretax return on assets | 0.8321% | 3,566 |
| Return on Equity (ROE) | 5.8080% | 3,617 |
| Retained earnings to average equity (ytd only) | 3.4443% | 3,339 |
| Net charge-offs to loans | 0.0803% | 1,500 |
| Credit loss provision to net charge-offs | 375.0000% | 1,532 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,519 |
| Efficiency ratio | 64.4749% | 2,664 |
| Assets per employee ($millions) | 7.0206% | 1,487 |
| Cash dividends to net income (ytd only)* | 40.6977% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 35.0361% | 4,714 |
| Net loans and leases to deposits | 41.0660% | 4,721 |
| Net loans and leases to core deposits | 45.4363% | 4,676 |
| Total domestic deposits to total assets | 85.3165% | 2,313 |
| Equity capital to assets | 14.4200% | 753 |
| Core capital (leverage) ratio | 13.9399% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,119,250 | 4,606 |
| Average earning assets | $52,796,750 | 4,562 |
| Average equity | $7,897,000 | 4,455 |
| Average total loans | $19,936,500 | 4,751 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1601% | 4,746 |
| Cost of funding earning assets | 0.7116% | 2,326 |
| Net interest margin | 2.4485% | 4,764 |
| Noninterest income to average assets | 0.3067% | 3,623 |
| Noninterest expense to average assets | 1.6870% | 4,695 |
| Loan and lease loss provision to assets | 0.0548% | 3,617 |
| Net operating income to assets | 0.9019% | 2,678 |
| Return on assets (ROA) | 0.9019% | 2,803 |
| Pretax return on assets | 0.9019% | 3,309 |
| Return on Equity (ROE) | 6.3093% | 3,395 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,040 |
| Net charge-offs to loans | 0.1309% | 1,062 |
| Credit loss provision to net charge-offs | 115.3846% | 2,308 |
| Earnings coverage of net charge-offs (x) | 20.1538% | 1,696 |
| Efficiency ratio | 63.8122% | 2,850 |
| Assets per employee ($millions) | 7.0649% | 1,403 |
| Cash dividends to net income (ytd only)* | 40.4858% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1864% | 343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.4327% | 4,769 |
| Net loans and leases to deposits | 40.2578% | 4,790 |
| Net loans and leases to core deposits | 40.7714% | 4,816 |
| Total domestic deposits to total assets | 85.5305% | 2,186 |
| Equity capital to assets | 14.2094% | 806 |
| Core capital (leverage) ratio | 13.9437% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,770,667 | 4,617 |
| Average earning assets | $52,277,000 | 4,586 |
| Average equity | $7,829,667 | 4,480 |
| Average total loans | $19,867,333 | 4,775 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 4,771 |
| Cost of funding earning assets | 0.7956% | 2,423 |
| Net interest margin | 2.5583% | 4,784 |
| Noninterest income to average assets | 0.3562% | 3,389 |
| Noninterest expense to average assets | 1.6921% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0984% | 1,847 |
| Return on assets (ROA) | 1.0984% | 1,949 |
| Pretax return on assets | 1.0984% | 2,527 |
| Return on Equity (ROE) | 7.6595% | 2,652 |
| Retained earnings to average equity (ytd only) | 4.5543% | 2,480 |
| Net charge-offs to loans | -0.0403% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6383% | 3,658 |
| Assets per employee ($millions) | 6.8263% | 1,173 |
| Cash dividends to net income (ytd only)* | 40.5405% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 376 |
| Loan loss allowance to noncurrent loans | 21,750.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,629 |
| Noncurrent loans to loans | 0.0101% | 4,538 |
| Net loans and leases to total assets | 35.4129% | 4,800 |
| Net loans and leases to deposits | 41.4760% | 4,810 |
| Net loans and leases to core deposits | 45.5292% | 4,785 |
| Total domestic deposits to total assets | 85.3818% | 2,254 |
| Equity capital to assets | 14.3234% | 953 |
| Core capital (leverage) ratio | 14.2002% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,896,500 | 4,647 |
| Average earning assets | $51,284,000 | 4,615 |
| Average equity | $7,729,000 | 4,519 |
| Average total loans | $19,853,000 | 4,807 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 4,831 |
| Cost of funding earning assets | 0.7629% | 2,856 |
| Net interest margin | 2.7729% | 4,776 |
| Noninterest income to average assets | 0.4096% | 3,233 |
| Noninterest expense to average assets | 1.8190% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2324% | 1,936 |
| Return on assets (ROA) | 1.2287% | 2,042 |
| Pretax return on assets | 1.2287% | 2,736 |
| Return on Equity (ROE) | 9.0558% | 2,728 |
| Retained earnings to average equity (ytd only) | 4.2967% | 2,809 |
| Net charge-offs to loans | 0.2534% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 13.6327% | 2,340 |
| Efficiency ratio | 59.6131% | 3,749 |
| Assets per employee ($millions) | 6.6479% | 1,211 |
| Cash dividends to net income (ytd only)* | 52.5526% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1724% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 36.6640% | 4,825 |
| Net loans and leases to deposits | 42.9503% | 4,848 |
| Net loans and leases to core deposits | 47.2726% | 4,810 |
| Total domestic deposits to total assets | 85.3637% | 2,364 |
| Equity capital to assets | 14.3580% | 982 |
| Core capital (leverage) ratio | 14.1806% | 886 |
| Tier 1 risk-based capital ratio | 31.2611% | 434 |
| Total risk-based capital ratio | 32.5152% | 431 |
| Memoranda: | ||
| Average total assets | $54,204,600 | 4,678 |
| Average earning assets | $51,642,200 | 4,644 |
| Average equity | $7,354,400 | 4,594 |
| Average total loans | $19,335,000 | 4,878 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5346% | 4,933 |
| Cost of funding earning assets | 0.7413% | 3,006 |
| Net interest margin | 2.7933% | 4,865 |
| Noninterest income to average assets | 0.4015% | 3,305 |
| Noninterest expense to average assets | 1.7896% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2780% | 1,925 |
| Return on assets (ROA) | 1.2731% | 2,021 |
| Pretax return on assets | 1.2731% | 2,743 |
| Return on Equity (ROE) | 9.5184% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.3931% | 3,199 |
| Net charge-offs to loans | 0.1182% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 30.7005% | 1,603 |
| Efficiency ratio | 58.3400% | 3,884 |
| Assets per employee ($millions) | 6.5409% | 1,249 |
| Cash dividends to net income (ytd only)* | 53.8453% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 272 |
| Loan loss allowance to noncurrent loans | 1,370.5882% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,388 |
| Noncurrent loans to loans | 0.1705% | 3,928 |
| Net loans and leases to total assets | 37.2198% | 4,895 |
| Net loans and leases to deposits | 43.6584% | 4,918 |
| Net loans and leases to core deposits | 48.1352% | 4,875 |
| Total domestic deposits to total assets | 85.2524% | 2,321 |
| Equity capital to assets | 14.4132% | 1,002 |
| Core capital (leverage) ratio | 13.7909% | 1,039 |
| Tier 1 risk-based capital ratio | 30.7051% | 461 |
| Total risk-based capital ratio | 31.9617% | 453 |
| Memoranda: | ||
| Average total assets | $54,460,000 | 4,745 |
| Average earning assets | $51,980,750 | 4,709 |
| Average equity | $7,284,000 | 4,658 |
| Average total loans | $19,185,750 | 4,954 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4520% | 5,041 |
| Cost of funding earning assets | 0.7041% | 3,148 |
| Net interest margin | 2.7479% | 4,968 |
| Noninterest income to average assets | 0.3951% | 3,297 |
| Noninterest expense to average assets | 1.7328% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2797% | 1,853 |
| Return on assets (ROA) | 1.2797% | 1,909 |
| Pretax return on assets | 1.2797% | 2,636 |
| Return on Equity (ROE) | 9.8083% | 2,479 |
| Retained earnings to average equity (ytd only) | 4.8069% | 2,864 |
| Net charge-offs to loans | 0.0739% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 50.4286% | 1,089 |
| Efficiency ratio | 57.5211% | 4,068 |
| Assets per employee ($millions) | 6.8951% | 1,053 |
| Cash dividends to net income (ytd only)* | 50.9915% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4413% | 239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 34.4120% | 5,018 |
| Net loans and leases to deposits | 39.9008% | 5,056 |
| Net loans and leases to core deposits | 40.4139% | 5,074 |
| Total domestic deposits to total assets | 86.2439% | 1,916 |
| Equity capital to assets | 13.5005% | 1,317 |
| Core capital (leverage) ratio | 13.4725% | 1,129 |
| Tier 1 risk-based capital ratio | 32.4331% | 407 |
| Total risk-based capital ratio | 33.6893% | 402 |
| Memoranda: | ||
| Average total assets | $55,171,000 | 4,770 |
| Average earning assets | $52,549,330 | 4,735 |
| Average equity | $7,198,000 | 4,697 |
| Average total loans | $18,933,670 | 5,000 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 5,101 |
| Cost of funding earning assets | 0.6782% | 3,164 |
| Net interest margin | 2.7355% | 5,042 |
| Noninterest income to average assets | 0.3915% | 3,243 |
| Noninterest expense to average assets | 1.7036% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2904% | 1,731 |
| Return on assets (ROA) | 1.2904% | 1,773 |
| Pretax return on assets | 1.2904% | 2,494 |
| Return on Equity (ROE) | 10.0657% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.5418% | 2,675 |
| Net charge-offs to loans | 0.0857% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,090 |
| Efficiency ratio | 56.9007% | 4,224 |
| Assets per employee ($millions) | 8.0904% | 654 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5809% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,786 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 31.8595% | 5,117 |
| Net loans and leases to deposits | 36.5828% | 5,139 |
| Net loans and leases to core deposits | 39.6384% | 5,113 |
| Total domestic deposits to total assets | 87.0888% | 1,763 |
| Equity capital to assets | 12.6887% | 1,632 |
| Core capital (leverage) ratio | 13.0669% | 1,240 |
| Tier 1 risk-based capital ratio | 30.7883% | 449 |
| Total risk-based capital ratio | 32.0475% | 439 |
| Memoranda: | ||
| Average total assets | $55,176,000 | 4,820 |
| Average earning assets | $52,495,500 | 4,788 |
| Average equity | $7,073,500 | 4,742 |
| Average total loans | $18,672,000 | 5,062 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1174% | 5,184 |
| Cost of funding earning assets | 0.4667% | 3,573 |
| Net interest margin | 2.6506% | 5,124 |
| Noninterest income to average assets | 0.4103% | 3,379 |
| Noninterest expense to average assets | 1.7718% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1775% | 2,278 |
| Return on assets (ROA) | 1.1408% | 2,431 |
| Pretax return on assets | 1.1408% | 3,129 |
| Return on Equity (ROE) | 9.0704% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.8037% | 3,481 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0749% | 3,849 |
| Assets per employee ($millions) | 6.7149% | 1,104 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5607% | 216 |
| Loan loss allowance to noncurrent loans | 2,835.2941% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,697 |
| Noncurrent loans to loans | 0.0903% | 4,343 |
| Net loans and leases to total assets | 34.1425% | 5,117 |
| Net loans and leases to deposits | 39.3069% | 5,134 |
| Net loans and leases to core deposits | 41.8181% | 5,127 |
| Total domestic deposits to total assets | 86.8613% | 1,844 |
| Equity capital to assets | 12.9582% | 1,367 |
| Core capital (leverage) ratio | 13.2074% | 1,175 |
| Tier 1 risk-based capital ratio | 30.2854% | 464 |
| Total risk-based capital ratio | 31.5408% | 452 |
| Memoranda: | ||
| Average total assets | $54,350,200 | 4,868 |
| Average earning assets | $52,063,000 | 4,820 |
| Average equity | $6,835,400 | 4,771 |
| Average total loans | $18,347,600 | 5,111 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0031% | 5,287 |
| Cost of funding earning assets | 0.4170% | 3,746 |
| Net interest margin | 2.5861% | 5,227 |
| Noninterest income to average assets | 0.4158% | 3,383 |
| Noninterest expense to average assets | 1.6829% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2206% | 2,151 |
| Return on assets (ROA) | 1.1717% | 2,365 |
| Pretax return on assets | 1.1717% | 3,114 |
| Return on Equity (ROE) | 9.3864% | 2,909 |
| Retained earnings to average equity (ytd only) | 4.2914% | 3,619 |
| Net charge-offs to loans | -0.0878% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9612% | 4,131 |
| Assets per employee ($millions) | 6.7436% | 1,053 |
| Cash dividends to net income (ytd only)* | 54.2801% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6685% | 196 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,730 |
| Noncurrent loans to loans | 0.1404% | 4,253 |
| Net loans and leases to total assets | 33.3982% | 5,214 |
| Net loans and leases to deposits | 38.3541% | 5,240 |
| Net loans and leases to core deposits | 40.1497% | 5,237 |
| Total domestic deposits to total assets | 87.0785% | 1,691 |
| Equity capital to assets | 12.6731% | 1,482 |
| Core capital (leverage) ratio | 13.2012% | 1,207 |
| Tier 1 risk-based capital ratio | 29.9011% | 482 |
| Total risk-based capital ratio | 31.1601% | 475 |
| Memoranda: | ||
| Average total assets | $54,508,000 | 4,918 |
| Average earning assets | $52,433,000 | 4,865 |
| Average equity | $6,804,000 | 4,824 |
| Average total loans | $18,228,750 | 5,175 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9340% | 5,356 |
| Cost of funding earning assets | 0.3763% | 3,904 |
| Net interest margin | 2.5578% | 5,297 |
| Noninterest income to average assets | 0.4242% | 3,327 |
| Noninterest expense to average assets | 1.6711% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2140% | 2,136 |
| Return on assets (ROA) | 1.1811% | 2,274 |
| Pretax return on assets | 1.1811% | 3,006 |
| Return on Equity (ROE) | 9.5098% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.7991% | 3,187 |
| Net charge-offs to loans | -0.0772% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9214% | 4,245 |
| Assets per employee ($millions) | 6.8709% | 977 |
| Cash dividends to net income (ytd only)* | 49.5356% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6442% | 208 |
| Loan loss allowance to noncurrent loans | 1,956.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,799 |
| Noncurrent loans to loans | 0.1352% | 4,300 |
| Net loans and leases to total assets | 32.7542% | 5,274 |
| Net loans and leases to deposits | 37.4662% | 5,290 |
| Net loans and leases to core deposits | 37.6629% | 5,326 |
| Total domestic deposits to total assets | 87.4234% | 1,677 |
| Equity capital to assets | 12.3856% | 1,607 |
| Core capital (leverage) ratio | 13.0140% | 1,210 |
| Tier 1 risk-based capital ratio | 30.0860% | 471 |
| Total risk-based capital ratio | 31.3459% | 466 |
| Memoranda: | ||
| Average total assets | $54,694,330 | 4,970 |
| Average earning assets | $52,624,000 | 4,918 |
| Average equity | $6,793,000 | 4,880 |
| Average total loans | $18,134,330 | 5,234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8724% | 5,423 |
| Cost of funding earning assets | 0.3352% | 4,100 |
| Net interest margin | 2.5371% | 5,365 |
| Noninterest income to average assets | 0.4032% | 3,445 |
| Noninterest expense to average assets | 1.6276% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2171% | 1,938 |
| Return on assets (ROA) | 1.2171% | 1,947 |
| Pretax return on assets | 1.2171% | 2,686 |
| Return on Equity (ROE) | 9.7856% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.6591% | 2,865 |
| Net charge-offs to loans | -0.1114% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2165% | 4,442 |
| Assets per employee ($millions) | 6.8496% | 1,028 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6899% | 210 |
| Loan loss allowance to noncurrent loans | 1,873.0769% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 4,869 |
| Noncurrent loans to loans | 0.1436% | 4,320 |
| Net loans and leases to total assets | 32.1514% | 5,324 |
| Net loans and leases to deposits | 36.7424% | 5,345 |
| Net loans and leases to core deposits | 37.6856% | 5,357 |
| Total domestic deposits to total assets | 87.5048% | 1,895 |
| Equity capital to assets | 12.3529% | 1,577 |
| Core capital (leverage) ratio | 13.1130% | 1,135 |
| Tier 1 risk-based capital ratio | 29.3036% | 500 |
| Total risk-based capital ratio | 30.5630% | 494 |
| Memoranda: | ||
| Average total assets | $54,558,000 | 5,028 |
| Average earning assets | $52,500,000 | 4,983 |
| Average equity | $6,785,500 | 4,933 |
| Average total loans | $17,955,000 | 5,298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7340% | 5,483 |
| Cost of funding earning assets | 0.2489% | 4,576 |
| Net interest margin | 2.4851% | 5,420 |
| Noninterest income to average assets | 0.4022% | 3,629 |
| Noninterest expense to average assets | 1.7481% | 5,283 |
| Loan and lease loss provision to assets | 0.0095% | 4,085 |
| Net operating income to assets | 1.0237% | 2,141 |
| Return on assets (ROA) | 1.0161% | 2,204 |
| Pretax return on assets | 1.0161% | 3,510 |
| Return on Equity (ROE) | 7.8727% | 2,853 |
| Retained earnings to average equity (ytd only) | 3.5893% | 3,118 |
| Net charge-offs to loans | 0.0614% | 2,594 |
| Credit loss provision to net charge-offs | 45.4545% | 3,380 |
| Earnings coverage of net charge-offs (x) | 49.2727% | 1,095 |
| Efficiency ratio | 62.8513% | 3,801 |
| Assets per employee ($millions) | 6.7899% | 1,059 |
| Cash dividends to net income (ytd only)* | 54.4090% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7071% | 196 |
| Loan loss allowance to noncurrent loans | 1,785.1852% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,883 |
| Noncurrent loans to loans | 0.1516% | 4,320 |
| Net loans and leases to total assets | 31.8912% | 5,394 |
| Net loans and leases to deposits | 36.5094% | 5,418 |
| Net loans and leases to core deposits | 36.5094% | 5,450 |
| Total domestic deposits to total assets | 87.3507% | 1,838 |
| Equity capital to assets | 12.5223% | 1,505 |
| Core capital (leverage) ratio | 13.0292% | 1,131 |
| Tier 1 risk-based capital ratio | 29.8647% | 466 |
| Total risk-based capital ratio | 31.1232% | 460 |
| Memoranda: | ||
| Average total assets | $52,457,400 | 5,113 |
| Average earning assets | $50,220,000 | 5,058 |
| Average equity | $6,770,200 | 4,983 |
| Average total loans | $17,924,800 | 5,364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7158% | 5,555 |
| Cost of funding earning assets | 0.2357% | 4,696 |
| Net interest margin | 2.4802% | 5,484 |
| Noninterest income to average assets | 0.4000% | 3,684 |
| Noninterest expense to average assets | 1.7361% | 5,336 |
| Loan and lease loss provision to assets | 0.0128% | 3,890 |
| Net operating income to assets | 1.0258% | 2,440 |
| Return on assets (ROA) | 1.0283% | 2,464 |
| Pretax return on assets | 1.0283% | 3,573 |
| Return on Equity (ROE) | 7.9064% | 3,171 |
| Retained earnings to average equity (ytd only) | 3.9630% | 3,561 |
| Net charge-offs to loans | 0.0371% | 2,697 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 80.9580% | 804 |
| Efficiency ratio | 62.5693% | 3,800 |
| Assets per employee ($millions) | 6.4956% | 1,182 |
| Cash dividends to net income (ytd only)* | 49.8756% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6999% | 207 |
| Loan loss allowance to noncurrent loans | 1,742.8571% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 4,964 |
| Noncurrent loans to loans | 0.1549% | 4,441 |
| Net loans and leases to total assets | 33.8439% | 5,418 |
| Net loans and leases to deposits | 39.1022% | 5,437 |
| Net loans and leases to core deposits | 39.1022% | 5,479 |
| Total domestic deposits to total assets | 86.5525% | 2,073 |
| Equity capital to assets | 13.2512% | 1,275 |
| Core capital (leverage) ratio | 13.3718% | 1,077 |
| Tier 1 risk-based capital ratio | 30.7757% | 446 |
| Total risk-based capital ratio | 32.0360% | 447 |
| Memoranda: | ||
| Average total assets | $51,992,000 | 5,180 |
| Average earning assets | $49,780,750 | 5,122 |
| Average equity | $6,762,250 | 5,040 |
| Average total loans | $17,954,750 | 5,419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6730% | 5,603 |
| Cost of funding earning assets | 0.2254% | 4,754 |
| Net interest margin | 2.4475% | 5,537 |
| Noninterest income to average assets | 0.3961% | 3,714 |
| Noninterest expense to average assets | 1.7230% | 5,394 |
| Loan and lease loss provision to assets | 0.0192% | 3,588 |
| Net operating income to assets | 0.9923% | 2,460 |
| Return on assets (ROA) | 0.9961% | 2,495 |
| Pretax return on assets | 0.9961% | 3,582 |
| Return on Equity (ROE) | 7.7072% | 3,190 |
| Retained earnings to average equity (ytd only) | 4.1363% | 3,243 |
| Net charge-offs to loans | 0.0335% | 2,525 |
| Credit loss provision to net charge-offs | 166.6667% | 1,422 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 713 |
| Efficiency ratio | 63.0098% | 3,824 |
| Assets per employee ($millions) | 6.5381% | 1,132 |
| Cash dividends to net income (ytd only)* | 46.3320% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6720% | 230 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,982 |
| Noncurrent loans to loans | 0.1636% | 4,460 |
| Net loans and leases to total assets | 34.1229% | 5,440 |
| Net loans and leases to deposits | 39.3206% | 5,470 |
| Net loans and leases to core deposits | 39.3206% | 5,516 |
| Total domestic deposits to total assets | 86.7814% | 2,049 |
| Equity capital to assets | 13.0580% | 1,346 |
| Core capital (leverage) ratio | 13.2389% | 1,087 |
| Tier 1 risk-based capital ratio | 29.7211% | 477 |
| Total risk-based capital ratio | 30.9795% | 471 |
| Memoranda: | ||
| Average total assets | $52,001,000 | 5,218 |
| Average earning assets | $49,682,670 | 5,164 |
| Average equity | $6,721,000 | 5,072 |
| Average total loans | $17,914,670 | 5,467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 5,674 |
| Cost of funding earning assets | 0.2187% | 4,813 |
| Net interest margin | 2.4133% | 5,612 |
| Noninterest income to average assets | 0.3935% | 3,713 |
| Noninterest expense to average assets | 1.7281% | 5,449 |
| Loan and lease loss provision to assets | 0.0386% | 3,029 |
| Net operating income to assets | 0.9258% | 2,635 |
| Return on assets (ROA) | 0.9258% | 2,692 |
| Pretax return on assets | 0.9258% | 3,674 |
| Return on Equity (ROE) | 7.2002% | 3,316 |
| Retained earnings to average equity (ytd only) | 4.8001% | 3,011 |
| Net charge-offs to loans | -0.1130% | 5,482 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1834% | 3,805 |
| Assets per employee ($millions) | 6.4731% | 1,200 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8425% | 211 |
| Loan loss allowance to noncurrent loans | 1,464.7059% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 5,009 |
| Noncurrent loans to loans | 0.1941% | 4,426 |
| Net loans and leases to total assets | 32.8705% | 5,509 |
| Net loans and leases to deposits | 37.8384% | 5,528 |
| Net loans and leases to core deposits | 37.8384% | 5,579 |
| Total domestic deposits to total assets | 86.8707% | 2,280 |
| Equity capital to assets | 13.0057% | 1,254 |
| Core capital (leverage) ratio | 13.1684% | 1,075 |
| Tier 1 risk-based capital ratio | 31.8486% | 418 |
| Total risk-based capital ratio | 33.1105% | 410 |
| Memoranda: | ||
| Average total assets | $51,849,000 | 5,272 |
| Average earning assets | $49,392,000 | 5,224 |
| Average equity | $6,666,500 | 5,128 |
| Average total loans | $17,703,000 | 5,531 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5339% | 5,745 |
| Cost of funding earning assets | 0.2226% | 4,806 |
| Net interest margin | 2.3113% | 5,704 |
| Noninterest income to average assets | 0.3953% | 3,926 |
| Noninterest expense to average assets | 1.7241% | 5,542 |
| Loan and lease loss provision to assets | 0.0640% | 3,095 |
| Net operating income to assets | 0.7962% | 3,320 |
| Return on assets (ROA) | 0.8094% | 3,370 |
| Pretax return on assets | 0.8094% | 4,163 |
| Return on Equity (ROE) | 6.4802% | 3,745 |
| Retained earnings to average equity (ytd only) | 4.0690% | 3,023 |
| Net charge-offs to loans | 0.1726% | 1,584 |
| Credit loss provision to net charge-offs | 113.3333% | 2,321 |
| Earnings coverage of net charge-offs (x) | 15.2333% | 2,219 |
| Efficiency ratio | 66.7152% | 3,478 |
| Assets per employee ($millions) | 6.4891% | 1,163 |
| Cash dividends to net income (ytd only)* | 37.2093% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7284% | 240 |
| Loan loss allowance to noncurrent loans | 1,355.5556% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 5,053 |
| Noncurrent loans to loans | 0.2013% | 4,436 |
| Net loans and leases to total assets | 33.5138% | 5,559 |
| Net loans and leases to deposits | 38.4410% | 5,593 |
| Net loans and leases to core deposits | 38.4410% | 5,629 |
| Total domestic deposits to total assets | 87.1824% | 2,037 |
| Equity capital to assets | 12.7097% | 1,393 |
| Core capital (leverage) ratio | 13.0020% | 1,130 |
| Tier 1 risk-based capital ratio | 29.9915% | 478 |
| Total risk-based capital ratio | 31.2519% | 479 |
| Memoranda: | ||
| Average total assets | $53,128,600 | 5,281 |
| Average earning assets | $50,317,400 | 5,241 |
| Average equity | $6,635,600 | 5,161 |
| Average total loans | $17,378,200 | 5,600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5196% | 5,820 |
| Cost of funding earning assets | 0.2238% | 4,847 |
| Net interest margin | 2.2958% | 5,776 |
| Noninterest income to average assets | 0.4017% | 3,912 |
| Noninterest expense to average assets | 1.7168% | 5,600 |
| Loan and lease loss provision to assets | 0.0549% | 3,161 |
| Net operating income to assets | 0.8060% | 3,338 |
| Return on assets (ROA) | 0.8235% | 3,398 |
| Pretax return on assets | 0.8235% | 4,237 |
| Return on Equity (ROE) | 6.6214% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.4143% | 3,192 |
| Net charge-offs to loans | 0.2319% | 1,015 |
| Credit loss provision to net charge-offs | 73.3333% | 2,746 |
| Earnings coverage of net charge-offs (x) | 11.4998% | 2,479 |
| Efficiency ratio | 66.6021% | 3,488 |
| Assets per employee ($millions) | 6.7356% | 987 |
| Cash dividends to net income (ytd only)* | 33.3326% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6670% | 274 |
| Loan loss allowance to noncurrent loans | 3,661.5385% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 5,411 |
| Noncurrent loans to loans | 0.0728% | 5,056 |
| Net loans and leases to total assets | 32.2390% | 5,671 |
| Net loans and leases to deposits | 36.9444% | 5,706 |
| Net loans and leases to core deposits | 36.9444% | 5,739 |
| Total domestic deposits to total assets | 87.2636% | 1,773 |
| Equity capital to assets | 12.5768% | 1,731 |
| Core capital (leverage) ratio | 13.0347% | 1,181 |
| Tier 1 risk-based capital ratio | 29.0136% | 523 |
| Total risk-based capital ratio | 30.2726% | 517 |
| Memoranda: | ||
| Average total assets | $53,432,500 | 5,332 |
| Average earning assets | $50,642,500 | 5,287 |
| Average equity | $6,645,000 | 5,210 |
| Average total loans | $17,251,250 | 5,663 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5120% | 5,898 |
| Cost of funding earning assets | 0.2244% | 4,891 |
| Net interest margin | 2.2876% | 5,869 |
| Noninterest income to average assets | 0.3979% | 3,881 |
| Noninterest expense to average assets | 1.7342% | 5,661 |
| Loan and lease loss provision to assets | 0.0450% | 3,250 |
| Net operating income to assets | 0.7995% | 3,314 |
| Return on assets (ROA) | 0.8258% | 3,325 |
| Pretax return on assets | 0.8258% | 4,204 |
| Return on Equity (ROE) | 6.6657% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.5448% | 3,019 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2489% | 3,493 |
| Assets per employee ($millions) | 5.6593% | 1,655 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7878% | 255 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,598 |
| Noncurrent loans to loans | 0.0225% | 5,381 |
| Net loans and leases to total assets | 33.9577% | 5,677 |
| Net loans and leases to deposits | 39.1809% | 5,713 |
| Net loans and leases to core deposits | 39.1809% | 5,767 |
| Total domestic deposits to total assets | 86.6690% | 2,074 |
| Equity capital to assets | 13.1778% | 1,404 |
| Core capital (leverage) ratio | 12.5472% | 1,328 |
| Tier 1 risk-based capital ratio | 29.1661% | 533 |
| Total risk-based capital ratio | 30.4273% | 527 |
| Memoranda: | ||
| Average total assets | $53,281,670 | 5,395 |
| Average earning assets | $50,795,670 | 5,340 |
| Average equity | $6,601,000 | 5,268 |
| Average total loans | $17,052,330 | 5,737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4807% | 5,971 |
| Cost of funding earning assets | 0.2241% | 4,958 |
| Net interest margin | 2.2566% | 5,941 |
| Noninterest income to average assets | 0.3820% | 3,973 |
| Noninterest expense to average assets | 1.6821% | 5,764 |
| Loan and lease loss provision to assets | 0.0441% | 3,039 |
| Net operating income to assets | 0.8007% | 3,248 |
| Return on assets (ROA) | 0.8007% | 3,364 |
| Pretax return on assets | 0.8007% | 4,194 |
| Return on Equity (ROE) | 6.6611% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.8277% | 3,047 |
| Net charge-offs to loans | -0.0240% | 4,958 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5698% | 3,704 |
| Assets per employee ($millions) | 6.0813% | 1,353 |
| Cash dividends to net income (ytd only)* | 27.5229% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9673% | 231 |
| Loan loss allowance to noncurrent loans | 145.2663% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 3,213 |
| Noncurrent loans to loans | 2.0427% | 1,039 |
| Net loans and leases to total assets | 29.3357% | 5,842 |
| Net loans and leases to deposits | 33.4103% | 5,880 |
| Net loans and leases to core deposits | 33.5977% | 5,898 |
| Total domestic deposits to total assets | 87.8042% | 1,747 |
| Equity capital to assets | 12.0935% | 1,963 |
| Core capital (leverage) ratio | 11.8464% | 1,714 |
| Tier 1 risk-based capital ratio | 29.7788% | 517 |
| Total risk-based capital ratio | 31.0395% | 509 |
| Memoranda: | ||
| Average total assets | $54,455,500 | 5,409 |
| Average earning assets | $51,759,000 | 5,370 |
| Average equity | $6,545,500 | 5,314 |
| Average total loans | $16,682,500 | 5,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2935% | 6,054 |
| Cost of funding earning assets | 0.2232% | 5,061 |
| Net interest margin | 2.0702% | 6,033 |
| Noninterest income to average assets | 0.3692% | 4,268 |
| Noninterest expense to average assets | 1.5683% | 5,939 |
| Loan and lease loss provision to assets | 0.0431% | 3,468 |
| Net operating income to assets | 0.7419% | 3,612 |
| Return on assets (ROA) | 0.7419% | 3,709 |
| Pretax return on assets | 0.7419% | 4,394 |
| Return on Equity (ROE) | 6.7240% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.3784% | 2,856 |
| Net charge-offs to loans | 0.3152% | 955 |
| Credit loss provision to net charge-offs | 45.4545% | 3,462 |
| Earnings coverage of net charge-offs (x) | 8.2727% | 2,976 |
| Efficiency ratio | 66.6422% | 3,804 |
| Assets per employee ($millions) | 6.0199% | 1,370 |
| Cash dividends to net income (ytd only)* | 34.8837% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8779% | 259 |
| Loan loss allowance to noncurrent loans | 16,133.3333% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,694 |
| Noncurrent loans to loans | 0.0178% | 5,450 |
| Net loans and leases to total assets | 30.1482% | 5,883 |
| Net loans and leases to deposits | 34.2842% | 5,923 |
| Net loans and leases to core deposits | 34.4774% | 5,957 |
| Total domestic deposits to total assets | 87.9363% | 1,663 |
| Equity capital to assets | 11.9456% | 1,996 |
| Core capital (leverage) ratio | 11.7497% | 1,782 |
| Tier 1 risk-based capital ratio | 29.3725% | 537 |
| Total risk-based capital ratio | 30.6312% | 526 |
| Memoranda: | ||
| Average total assets | $57,961,000 | 5,365 |
| Average earning assets | $55,549,400 | 5,306 |
| Average equity | $6,395,000 | 5,359 |
| Average total loans | $17,448,800 | 5,813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2588% | 6,156 |
| Cost of funding earning assets | 0.2209% | 5,174 |
| Net interest margin | 2.0378% | 6,128 |
| Noninterest income to average assets | 0.3554% | 4,398 |
| Noninterest expense to average assets | 1.5233% | 6,028 |
| Loan and lease loss provision to assets | 0.0272% | 3,716 |
| Net operating income to assets | 0.7673% | 3,598 |
| Return on assets (ROA) | 0.7673% | 3,694 |
| Pretax return on assets | 0.7673% | 4,438 |
| Return on Equity (ROE) | 7.0892% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.9980% | 2,918 |
| Net charge-offs to loans | 0.2651% | 998 |
| Credit loss provision to net charge-offs | 34.2857% | 3,227 |
| Earnings coverage of net charge-offs (x) | 10.0276% | 2,636 |
| Efficiency ratio | 65.7227% | 3,943 |
| Assets per employee ($millions) | 6.1807% | 1,253 |
| Cash dividends to net income (ytd only)* | 29.4984% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9569% | 258 |
| Loan loss allowance to noncurrent loans | 1,964.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,596 |
| Noncurrent loans to loans | 0.1506% | 5,035 |
| Net loans and leases to total assets | 28.9685% | 6,007 |
| Net loans and leases to deposits | 32.8522% | 6,038 |
| Net loans and leases to core deposits | 33.0320% | 6,059 |
| Total domestic deposits to total assets | 88.1782% | 1,465 |
| Equity capital to assets | 11.6708% | 2,368 |
| Core capital (leverage) ratio | 11.3075% | 2,186 |
| Tier 1 risk-based capital ratio | 29.8633% | 533 |
| Total risk-based capital ratio | 31.1233% | 522 |
| Memoranda: | ||
| Average total assets | $58,906,500 | 5,411 |
| Average earning assets | $56,725,250 | 5,344 |
| Average equity | $6,375,750 | 5,426 |
| Average total loans | $17,606,500 | 5,875 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2544% | 6,229 |
| Cost of funding earning assets | 0.2185% | 5,269 |
| Net interest margin | 2.0359% | 6,202 |
| Noninterest income to average assets | 0.3400% | 4,524 |
| Noninterest expense to average assets | 1.5000% | 6,111 |
| Loan and lease loss provision to assets | 0.0167% | 3,792 |
| Net operating income to assets | 0.7800% | 3,486 |
| Return on assets (ROA) | 0.7800% | 3,591 |
| Pretax return on assets | 0.7800% | 4,387 |
| Return on Equity (ROE) | 7.3852% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.1760% | 2,743 |
| Net charge-offs to loans | 0.1115% | 1,889 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 23.9000% | 1,590 |
| Efficiency ratio | 65.3120% | 4,127 |
| Assets per employee ($millions) | 6.3622% | 1,119 |
| Cash dividends to net income (ytd only)* | 29.9145% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8231% | 329 |
| Loan loss allowance to noncurrent loans | 16,966.6667% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,885 |
| Noncurrent loans to loans | 0.0166% | 5,697 |
| Net loans and leases to total assets | 30.5990% | 6,022 |
| Net loans and leases to deposits | 34.4929% | 6,072 |
| Net loans and leases to core deposits | 34.6751% | 6,098 |
| Total domestic deposits to total assets | 88.7111% | 1,289 |
| Equity capital to assets | 11.1474% | 2,722 |
| Core capital (leverage) ratio | 10.7582% | 2,671 |
| Tier 1 risk-based capital ratio | 26.5052% | 740 |
| Total risk-based capital ratio | 27.7620% | 727 |
| Memoranda: | ||
| Average total assets | $60,000,000 | 5,447 |
| Average earning assets | $57,664,670 | 5,380 |
| Average equity | $6,337,000 | 5,481 |
| Average total loans | $17,940,330 | 5,927 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2610% | 6,293 |
| Cost of funding earning assets | 0.2179% | 5,337 |
| Net interest margin | 2.0430% | 6,257 |
| Noninterest income to average assets | 0.3194% | 4,631 |
| Noninterest expense to average assets | 1.4013% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8734% | 2,879 |
| Return on assets (ROA) | 0.8734% | 3,003 |
| Pretax return on assets | 0.8734% | 3,988 |
| Return on Equity (ROE) | 8.4891% | 2,703 |
| Retained earnings to average equity (ytd only) | 6.5885% | 2,197 |
| Net charge-offs to loans | -0.0447% | 5,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6046% | 4,866 |
| Assets per employee ($millions) | 6.9420% | 878 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9088% | 324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 27.5665% | 6,152 |
| Net loans and leases to deposits | 30.7405% | 6,184 |
| Net loans and leases to core deposits | 30.7405% | 6,205 |
| Total domestic deposits to total assets | 89.6748% | 916 |
| Equity capital to assets | 10.2164% | 3,865 |
| Core capital (leverage) ratio | 10.3687% | 3,139 |
| Tier 1 risk-based capital ratio | 27.0754% | 707 |
| Total risk-based capital ratio | 28.3371% | 688 |
| Memoranda: | ||
| Average total assets | $61,370,000 | 5,467 |
| Average earning assets | $58,736,000 | 5,393 |
| Average equity | $6,314,000 | 5,529 |
| Average total loans | $17,895,500 | 5,983 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2669% | 6,389 |
| Cost of funding earning assets | 0.2358% | 5,462 |
| Net interest margin | 2.0311% | 6,361 |
| Noninterest income to average assets | 0.3603% | 4,518 |
| Noninterest expense to average assets | 1.4842% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8264% | 3,249 |
| Return on assets (ROA) | 0.8446% | 3,242 |
| Pretax return on assets | 0.8446% | 4,094 |
| Return on Equity (ROE) | 8.4932% | 2,846 |
| Retained earnings to average equity (ytd only) | 5.8339% | 2,035 |
| Net charge-offs to loans | -0.1726% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2346% | 4,558 |
| Assets per employee ($millions) | 6.6958% | 954 |
| Cash dividends to net income (ytd only)* | 31.3112% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8473% | 353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 29.1029% | 6,203 |
| Net loans and leases to deposits | 32.5199% | 6,245 |
| Net loans and leases to core deposits | 32.5199% | 6,270 |
| Total domestic deposits to total assets | 89.4925% | 978 |
| Equity capital to assets | 10.3631% | 3,654 |
| Core capital (leverage) ratio | 10.2105% | 3,296 |
| Tier 1 risk-based capital ratio | 25.8129% | 775 |
| Total risk-based capital ratio | 26.7563% | 787 |
| Memoranda: | ||
| Average total assets | $60,504,600 | 5,537 |
| Average earning assets | $58,096,600 | 5,454 |
| Average equity | $6,016,600 | 5,618 |
| Average total loans | $17,959,400 | 6,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2608% | 6,470 |
| Cost of funding earning assets | 0.2382% | 5,529 |
| Net interest margin | 2.0226% | 6,443 |
| Noninterest income to average assets | 0.3632% | 4,522 |
| Noninterest expense to average assets | 1.4419% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8652% | 3,102 |
| Return on assets (ROA) | 0.8718% | 3,159 |
| Pretax return on assets | 0.8718% | 4,106 |
| Return on Equity (ROE) | 8.8596% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.3985% | 2,167 |
| Net charge-offs to loans | -0.3791% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 4,810 |
| Assets per employee ($millions) | 7.6384% | 599 |
| Cash dividends to net income (ytd only)* | 27.7770% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9768% | 371 |
| Loan loss allowance to noncurrent loans | 3,337.5000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 6,065 |
| Noncurrent loans to loans | 0.0892% | 5,678 |
| Net loans and leases to total assets | 28.4828% | 6,306 |
| Net loans and leases to deposits | 31.7181% | 6,347 |
| Net loans and leases to core deposits | 31.7181% | 6,365 |
| Total domestic deposits to total assets | 89.7999% | 820 |
| Equity capital to assets | 10.0512% | 4,102 |
| Core capital (leverage) ratio | 9.7276% | 4,033 |
| Tier 1 risk-based capital ratio | 25.9685% | 792 |
| Total risk-based capital ratio | 26.9190% | 797 |
| Memoranda: | ||
| Average total assets | $60,565,250 | 5,595 |
| Average earning assets | $58,207,000 | 5,506 |
| Average equity | $5,959,500 | 5,687 |
| Average total loans | $17,936,250 | 6,108 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2484% | 6,542 |
| Cost of funding earning assets | 0.2421% | 5,563 |
| Net interest margin | 2.0063% | 6,521 |
| Noninterest income to average assets | 0.3643% | 4,516 |
| Noninterest expense to average assets | 1.4341% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8512% | 3,066 |
| Return on assets (ROA) | 0.8611% | 3,107 |
| Pretax return on assets | 0.8611% | 4,038 |
| Return on Equity (ROE) | 8.8155% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.4421% | 2,068 |
| Net charge-offs to loans | -0.6468% | 6,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7536% | 4,900 |
| Assets per employee ($millions) | 7.6810% | 572 |
| Cash dividends to net income (ytd only)* | 26.9231% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9359% | 408 |
| Loan loss allowance to noncurrent loans | 266.5025% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 5,052 |
| Noncurrent loans to loans | 1.1016% | 3,022 |
| Net loans and leases to total assets | 29.1075% | 6,333 |
| Net loans and leases to deposits | 32.3371% | 6,377 |
| Net loans and leases to core deposits | 32.3371% | 6,402 |
| Total domestic deposits to total assets | 90.0127% | 801 |
| Equity capital to assets | 9.8539% | 4,287 |
| Core capital (leverage) ratio | 10.0670% | 3,513 |
| Tier 1 risk-based capital ratio | 24.0161% | 984 |
| Total risk-based capital ratio | 24.9332% | 1,003 |
| Memoranda: | ||
| Average total assets | $60,384,670 | 5,648 |
| Average earning assets | $57,818,670 | 5,562 |
| Average equity | $5,898,670 | 5,737 |
| Average total loans | $17,935,330 | 6,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2377% | 6,615 |
| Cost of funding earning assets | 0.2510% | 5,575 |
| Net interest margin | 1.9867% | 6,590 |
| Noninterest income to average assets | 0.3475% | 4,594 |
| Noninterest expense to average assets | 1.4569% | 6,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7953% | 3,177 |
| Return on assets (ROA) | 0.8220% | 3,117 |
| Pretax return on assets | 0.8220% | 4,019 |
| Return on Equity (ROE) | 8.4529% | 2,710 |
| Retained earnings to average equity (ytd only) | 6.3912% | 2,334 |
| Net charge-offs to loans | -0.9045% | 6,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6884% | 4,749 |
| Assets per employee ($millions) | 7.4635% | 645 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0336% | 416 |
| Loan loss allowance to noncurrent loans | 4,754.5455% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,255 |
| Noncurrent loans to loans | 0.0638% | 5,959 |
| Net loans and leases to total assets | 27.9979% | 6,415 |
| Net loans and leases to deposits | 31.0858% | 6,456 |
| Net loans and leases to core deposits | 31.9167% | 6,461 |
| Total domestic deposits to total assets | 90.0667% | 1,035 |
| Equity capital to assets | 9.8278% | 4,067 |
| Core capital (leverage) ratio | 10.0944% | 3,435 |
| Tier 1 risk-based capital ratio | 26.4755% | 749 |
| Total risk-based capital ratio | 27.4405% | 763 |
| Memoranda: | ||
| Average total assets | $59,853,000 | 5,716 |
| Average earning assets | $57,381,500 | 5,626 |
| Average equity | $5,820,500 | 5,795 |
| Average total loans | $17,689,500 | 6,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5613% | 6,597 |
| Cost of funding earning assets | 0.2864% | 5,696 |
| Net interest margin | 2.2749% | 6,538 |
| Noninterest income to average assets | 0.3803% | 4,590 |
| Noninterest expense to average assets | 1.6795% | 6,467 |
| Loan and lease loss provision to assets | 0.0640% | 3,850 |
| Net operating income to assets | 0.8104% | 3,242 |
| Return on assets (ROA) | 0.8104% | 3,337 |
| Pretax return on assets | 0.8104% | 4,107 |
| Return on Equity (ROE) | 8.0132% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.9045% | 2,034 |
| Net charge-offs to loans | 0.1411% | 3,398 |
| Credit loss provision to net charge-offs | 128.5714% | 1,826 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,706 |
| Efficiency ratio | 65.7620% | 4,602 |
| Assets per employee ($millions) | 6.6664% | 912 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6628% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.4276% | 6,480 |
| Net loans and leases to deposits | 32.5997% | 6,518 |
| Net loans and leases to core deposits | 33.4647% | 6,525 |
| Total domestic deposits to total assets | 90.2697% | 933 |
| Equity capital to assets | 9.6220% | 4,257 |
| Core capital (leverage) ratio | 10.0304% | 3,518 |
| Tier 1 risk-based capital ratio | 23.9273% | 961 |
| Total risk-based capital ratio | 24.8585% | 987 |
| Memoranda: | ||
| Average total assets | $56,266,600 | 5,858 |
| Average earning assets | $53,761,600 | 5,773 |
| Average equity | $5,690,600 | 5,887 |
| Average total loans | $19,848,800 | 6,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6293% | 6,654 |
| Cost of funding earning assets | 0.2899% | 5,814 |
| Net interest margin | 2.3394% | 6,563 |
| Noninterest income to average assets | 0.3831% | 4,650 |
| Noninterest expense to average assets | 1.6650% | 6,501 |
| Loan and lease loss provision to assets | 0.0867% | 3,325 |
| Net operating income to assets | 0.8674% | 3,005 |
| Return on assets (ROA) | 0.8674% | 3,116 |
| Pretax return on assets | 0.8674% | 4,019 |
| Return on Equity (ROE) | 8.4654% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.3490% | 2,210 |
| Net charge-offs to loans | 0.2104% | 2,567 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 12.3738% | 2,137 |
| Efficiency ratio | 63.5695% | 4,879 |
| Assets per employee ($millions) | 5.6232% | 1,519 |
| Cash dividends to net income (ytd only)* | 25.0005% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 935 |
| Loan loss allowance to noncurrent loans | 11,975.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,492 |
| Noncurrent loans to loans | 0.0209% | 6,289 |
| Net loans and leases to total assets | 33.2355% | 6,400 |
| Net loans and leases to deposits | 37.0373% | 6,472 |
| Net loans and leases to core deposits | 37.0373% | 6,531 |
| Total domestic deposits to total assets | 89.7354% | 1,149 |
| Equity capital to assets | 10.0957% | 3,773 |
| Core capital (leverage) ratio | 10.2899% | 3,261 |
| Tier 1 risk-based capital ratio | 23.6469% | 1,050 |
| Total risk-based capital ratio | 24.6310% | 1,064 |
| Memoranda: | ||
| Average total assets | $55,333,750 | 5,957 |
| Average earning assets | $52,890,500 | 5,870 |
| Average equity | $5,670,000 | 5,953 |
| Average total loans | $20,276,250 | 6,254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6572% | 6,677 |
| Cost of funding earning assets | 0.2927% | 5,884 |
| Net interest margin | 2.3645% | 6,582 |
| Noninterest income to average assets | 0.3707% | 4,743 |
| Noninterest expense to average assets | 1.6790% | 6,517 |
| Loan and lease loss provision to assets | 0.0872% | 3,339 |
| Net operating income to assets | 0.8649% | 2,971 |
| Return on assets (ROA) | 0.8649% | 3,124 |
| Pretax return on assets | 0.8649% | 4,045 |
| Return on Equity (ROE) | 8.3985% | 2,899 |
| Retained earnings to average equity (ytd only) | 6.2812% | 2,273 |
| Net charge-offs to loans | 0.2519% | 2,216 |
| Credit loss provision to net charge-offs | 92.3077% | 2,386 |
| Earnings coverage of net charge-offs (x) | 10.0769% | 2,197 |
| Efficiency ratio | 63.8122% | 4,897 |
| Assets per employee ($millions) | 5.5617% | 1,528 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 1,271 |
| Loan loss allowance to noncurrent loans | 2,252.3810% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 6,397 |
| Noncurrent loans to loans | 0.1018% | 6,093 |
| Net loans and leases to total assets | 36.2443% | 6,284 |
| Net loans and leases to deposits | 40.3936% | 6,392 |
| Net loans and leases to core deposits | 40.3936% | 6,458 |
| Total domestic deposits to total assets | 89.7280% | 1,189 |
| Equity capital to assets | 10.1138% | 3,774 |
| Core capital (leverage) ratio | 10.3021% | 3,096 |
| Tier 1 risk-based capital ratio | 22.1610% | 1,254 |
| Total risk-based capital ratio | 23.1685% | 1,274 |
| Memoranda: | ||
| Average total assets | $55,034,330 | 5,999 |
| Average earning assets | $52,611,670 | 5,919 |
| Average equity | $5,667,670 | 6,003 |
| Average total loans | $20,645,670 | 6,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6699% | 6,745 |
| Cost of funding earning assets | 0.2992% | 5,970 |
| Net interest margin | 2.3707% | 6,626 |
| Noninterest income to average assets | 0.3580% | 4,803 |
| Noninterest expense to average assets | 1.6660% | 6,606 |
| Loan and lease loss provision to assets | 0.0877% | 3,202 |
| Net operating income to assets | 0.8622% | 2,853 |
| Return on assets (ROA) | 0.8622% | 2,986 |
| Pretax return on assets | 0.8622% | 3,904 |
| Return on Equity (ROE) | 8.2967% | 2,820 |
| Retained earnings to average equity (ytd only) | 6.1874% | 2,579 |
| Net charge-offs to loans | 0.2711% | 1,872 |
| Credit loss provision to net charge-offs | 85.7143% | 2,088 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 1,856 |
| Efficiency ratio | 63.6872% | 5,055 |
| Assets per employee ($millions) | 5.5620% | 1,610 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 1,374 |
| Loan loss allowance to noncurrent loans | 2,627.7778% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 6,512 |
| Noncurrent loans to loans | 0.0884% | 6,216 |
| Net loans and leases to total assets | 35.7677% | 6,314 |
| Net loans and leases to deposits | 39.9310% | 6,422 |
| Net loans and leases to core deposits | 41.0008% | 6,441 |
| Total domestic deposits to total assets | 89.5739% | 1,312 |
| Equity capital to assets | 10.3020% | 3,795 |
| Core capital (leverage) ratio | 10.1507% | 3,216 |
| Tier 1 risk-based capital ratio | 23.6382% | 1,069 |
| Total risk-based capital ratio | 24.7175% | 1,068 |
| Memoranda: | ||
| Average total assets | $54,743,000 | 6,050 |
| Average earning assets | $52,136,000 | 5,979 |
| Average equity | $5,689,000 | 6,052 |
| Average total loans | $20,653,000 | 6,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 6,809 |
| Cost of funding earning assets | 0.3524% | 6,195 |
| Net interest margin | 2.5687% | 6,658 |
| Noninterest income to average assets | 0.3707% | 4,825 |
| Noninterest expense to average assets | 1.6959% | 6,726 |
| Loan and lease loss provision to assets | 0.1377% | 3,894 |
| Net operating income to assets | 0.9452% | 2,577 |
| Return on assets (ROA) | 0.9489% | 2,804 |
| Pretax return on assets | 0.9489% | 3,750 |
| Return on Equity (ROE) | 9.3480% | 2,465 |
| Retained earnings to average equity (ytd only) | 6.8166% | 1,663 |
| Net charge-offs to loans | 0.3888% | 2,698 |
| Credit loss provision to net charge-offs | 92.5926% | 3,364 |
| Earnings coverage of net charge-offs (x) | 7.2840% | 2,640 |
| Efficiency ratio | 61.0304% | 5,382 |
| Assets per employee ($millions) | 5.3866% | 1,801 |
| Cash dividends to net income (ytd only)* | 27.0793% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2685% | 1,420 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,386 |
| Noncurrent loans to loans | 0.2149% | 5,936 |
| Net loans and leases to total assets | 37.9906% | 6,312 |
| Net loans and leases to deposits | 42.4864% | 6,443 |
| Net loans and leases to core deposits | 42.4864% | 6,527 |
| Total domestic deposits to total assets | 89.4182% | 1,293 |
| Equity capital to assets | 10.4853% | 3,545 |
| Core capital (leverage) ratio | 9.9984% | 3,401 |
| Tier 1 risk-based capital ratio | 22.1940% | 1,232 |
| Total risk-based capital ratio | 23.2518% | 1,234 |
| Memoranda: | ||
| Average total assets | $54,484,200 | 6,063 |
| Average earning assets | $51,075,600 | 6,006 |
| Average equity | $5,530,600 | 6,134 |
| Average total loans | $20,830,800 | 6,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9398% | 6,922 |
| Cost of funding earning assets | 0.3593% | 6,334 |
| Net interest margin | 2.5805% | 6,776 |
| Noninterest income to average assets | 0.3612% | 4,934 |
| Noninterest expense to average assets | 1.6447% | 6,836 |
| Loan and lease loss provision to assets | 0.1245% | 3,995 |
| Net operating income to assets | 1.0103% | 2,452 |
| Return on assets (ROA) | 1.0103% | 2,681 |
| Pretax return on assets | 1.0103% | 3,670 |
| Return on Equity (ROE) | 10.0339% | 2,335 |
| Retained earnings to average equity (ytd only) | 7.8526% | 1,682 |
| Net charge-offs to loans | 0.2051% | 3,504 |
| Credit loss provision to net charge-offs | 159.3750% | 1,755 |
| Earnings coverage of net charge-offs (x) | 14.5296% | 1,829 |
| Efficiency ratio | 59.1747% | 5,632 |
| Assets per employee ($millions) | 5.5437% | 1,599 |
| Cash dividends to net income (ytd only)* | 21.7395% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 1,223 |
| Loan loss allowance to noncurrent loans | 467.2897% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 6,227 |
| Noncurrent loans to loans | 0.5316% | 5,380 |
| Net loans and leases to total assets | 35.4042% | 6,583 |
| Net loans and leases to deposits | 39.5395% | 6,691 |
| Net loans and leases to core deposits | 39.5395% | 6,758 |
| Total domestic deposits to total assets | 89.5413% | 1,101 |
| Equity capital to assets | 10.2477% | 4,141 |
| Core capital (leverage) ratio | 9.9332% | 3,643 |
| Tier 1 risk-based capital ratio | 23.3831% | 1,113 |
| Total risk-based capital ratio | 24.4653% | 1,117 |
| Memoranda: | ||
| Average total assets | $54,638,750 | 6,132 |
| Average earning assets | $51,204,000 | 6,081 |
| Average equity | $5,501,250 | 6,217 |
| Average total loans | $20,803,750 | 6,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0405% | 6,960 |
| Cost of funding earning assets | 0.3781% | 6,388 |
| Net interest margin | 2.6624% | 6,757 |
| Noninterest income to average assets | 0.3678% | 4,887 |
| Noninterest expense to average assets | 1.6037% | 6,918 |
| Loan and lease loss provision to assets | 0.1361% | 3,820 |
| Net operating income to assets | 1.1145% | 1,999 |
| Return on assets (ROA) | 1.1145% | 2,211 |
| Pretax return on assets | 1.1145% | 3,255 |
| Return on Equity (ROE) | 11.1370% | 1,942 |
| Retained earnings to average equity (ytd only) | 8.9316% | 1,301 |
| Net charge-offs to loans | 0.0095% | 5,331 |
| Credit loss provision to net charge-offs | 3,700.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 123 |
| Efficiency ratio | 56.1856% | 6,094 |
| Assets per employee ($millions) | 6.0686% | 1,194 |
| Cash dividends to net income (ytd only)* | 19.8020% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6101% | 1,138 |
| Loan loss allowance to noncurrent loans | 3,976.9231% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 6,773 |
| Noncurrent loans to loans | 0.0656% | 6,503 |
| Net loans and leases to total assets | 35.3205% | 6,649 |
| Net loans and leases to deposits | 39.4152% | 6,753 |
| Net loans and leases to core deposits | 39.4152% | 6,816 |
| Total domestic deposits to total assets | 89.6113% | 1,156 |
| Equity capital to assets | 10.1745% | 4,090 |
| Core capital (leverage) ratio | 9.9203% | 3,528 |
| Tier 1 risk-based capital ratio | 23.1766% | 1,109 |
| Total risk-based capital ratio | 24.2482% | 1,114 |
| Memoranda: | ||
| Average total assets | $54,372,670 | 6,180 |
| Average earning assets | $50,780,670 | 6,125 |
| Average equity | $5,441,330 | 6,259 |
| Average total loans | $21,029,330 | 6,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 7,014 |
| Cost of funding earning assets | 0.3956% | 6,430 |
| Net interest margin | 2.6820% | 6,795 |
| Noninterest income to average assets | 0.3687% | 4,921 |
| Noninterest expense to average assets | 1.5779% | 6,998 |
| Loan and lease loss provision to assets | 0.1475% | 3,519 |
| Net operating income to assets | 1.1428% | 1,908 |
| Return on assets (ROA) | 1.1428% | 2,093 |
| Pretax return on assets | 1.1428% | 3,150 |
| Return on Equity (ROE) | 11.5167% | 1,834 |
| Retained earnings to average equity (ytd only) | 9.2876% | 1,485 |
| Net charge-offs to loans | 0.0924% | 3,597 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 827 |
| Efficiency ratio | 55.0129% | 6,228 |
| Assets per employee ($millions) | 6.1141% | 1,209 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 1,606 |
| Loan loss allowance to noncurrent loans | 1,055.3191% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,674 |
| Noncurrent loans to loans | 0.2218% | 6,244 |
| Net loans and leases to total assets | 37.6143% | 6,520 |
| Net loans and leases to deposits | 41.8040% | 6,671 |
| Net loans and leases to core deposits | 42.4035% | 6,729 |
| Total domestic deposits to total assets | 89.9776% | 1,100 |
| Equity capital to assets | 9.8988% | 4,255 |
| Core capital (leverage) ratio | 9.6679% | 3,817 |
| Tier 1 risk-based capital ratio | 22.3577% | 1,231 |
| Total risk-based capital ratio | 23.4870% | 1,222 |
| Memoranda: | ||
| Average total assets | $54,250,500 | 6,223 |
| Average earning assets | $50,559,500 | 6,169 |
| Average equity | $5,383,500 | 6,309 |
| Average total loans | $21,640,000 | 6,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 7,030 |
| Cost of funding earning assets | 0.5894% | 6,137 |
| Net interest margin | 2.8475% | 6,765 |
| Noninterest income to average assets | 0.3627% | 4,915 |
| Noninterest expense to average assets | 1.8499% | 6,900 |
| Loan and lease loss provision to assets | 0.2479% | 3,729 |
| Net operating income to assets | 0.9230% | 2,517 |
| Return on assets (ROA) | 0.9230% | 2,631 |
| Pretax return on assets | 0.9230% | 3,540 |
| Return on Equity (ROE) | 8.8949% | 2,501 |
| Retained earnings to average equity (ytd only) | 6.5644% | 1,709 |
| Net charge-offs to loans | 0.5612% | 2,775 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.7236% | 3,002 |
| Efficiency ratio | 61.2408% | 5,571 |
| Assets per employee ($millions) | 5.9416% | 1,274 |
| Cash dividends to net income (ytd only)* | 26.2009% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,841 |
| Loan loss allowance to noncurrent loans | 943.1373% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 6,716 |
| Noncurrent loans to loans | 0.2309% | 6,276 |
| Net loans and leases to total assets | 40.4028% | 6,517 |
| Net loans and leases to deposits | 44.9318% | 6,675 |
| Net loans and leases to core deposits | 44.9318% | 6,773 |
| Total domestic deposits to total assets | 89.9203% | 1,030 |
| Equity capital to assets | 9.9488% | 4,231 |
| Core capital (leverage) ratio | 9.5130% | 4,006 |
| Tier 1 risk-based capital ratio | 21.6784% | 1,285 |
| Total risk-based capital ratio | 22.8470% | 1,267 |
| Memoranda: | ||
| Average total assets | $49,623,400 | 6,382 |
| Average earning assets | $46,322,000 | 6,324 |
| Average equity | $5,149,000 | 6,398 |
| Average total loans | $21,915,800 | 6,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 7,079 |
| Cost of funding earning assets | 0.6311% | 6,126 |
| Net interest margin | 2.8708% | 6,799 |
| Noninterest income to average assets | 0.3699% | 4,915 |
| Noninterest expense to average assets | 1.8385% | 6,939 |
| Loan and lease loss provision to assets | 0.2521% | 3,490 |
| Net operating income to assets | 0.9590% | 2,488 |
| Return on assets (ROA) | 0.9590% | 2,657 |
| Pretax return on assets | 0.9590% | 3,564 |
| Return on Equity (ROE) | 9.1390% | 2,537 |
| Retained earnings to average equity (ytd only) | 6.7889% | 2,087 |
| Net charge-offs to loans | 0.5547% | 2,573 |
| Credit loss provision to net charge-offs | 101.0989% | 3,319 |
| Earnings coverage of net charge-offs (x) | 4.8572% | 2,937 |
| Efficiency ratio | 60.2875% | 5,669 |
| Assets per employee ($millions) | 5.2838% | 1,834 |
| Cash dividends to net income (ytd only)* | 25.7147% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2112% | 1,833 |
| Loan loss allowance to noncurrent loans | 535.5556% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,627 |
| Noncurrent loans to loans | 0.4129% | 6,020 |
| Net loans and leases to total assets | 40.3422% | 6,604 |
| Net loans and leases to deposits | 44.9240% | 6,798 |
| Net loans and leases to core deposits | 44.9240% | 6,890 |
| Total domestic deposits to total assets | 89.8009% | 976 |
| Equity capital to assets | 9.9871% | 4,361 |
| Core capital (leverage) ratio | 10.0641% | 3,354 |
| Tier 1 risk-based capital ratio | 22.2222% | 1,247 |
| Total risk-based capital ratio | 23.4210% | 1,238 |
| Memoranda: | ||
| Average total assets | $48,660,750 | 6,463 |
| Average earning assets | $45,421,500 | 6,404 |
| Average equity | $5,106,250 | 6,465 |
| Average total loans | $21,873,250 | 6,623 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 7,102 |
| Cost of funding earning assets | 0.6925% | 6,006 |
| Net interest margin | 2.9022% | 6,786 |
| Noninterest income to average assets | 0.3850% | 4,796 |
| Noninterest expense to average assets | 1.8490% | 7,016 |
| Loan and lease loss provision to assets | 0.2412% | 3,497 |
| Net operating income to assets | 0.9901% | 2,269 |
| Return on assets (ROA) | 0.9901% | 2,370 |
| Pretax return on assets | 0.9901% | 3,277 |
| Return on Equity (ROE) | 9.2686% | 2,396 |
| Retained earnings to average equity (ytd only) | 6.8920% | 1,924 |
| Net charge-offs to loans | 0.5115% | 2,567 |
| Credit loss provision to net charge-offs | 101.7857% | 3,044 |
| Earnings coverage of net charge-offs (x) | 5.1964% | 2,670 |
| Efficiency ratio | 60.0275% | 5,870 |
| Assets per employee ($millions) | 4.8046% | 2,401 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 1,915 |
| Loan loss allowance to noncurrent loans | 79.5380% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 4,369 |
| Noncurrent loans to loans | 2.7707% | 2,629 |
| Net loans and leases to total assets | 44.5198% | 6,389 |
| Net loans and leases to deposits | 50.0000% | 6,597 |
| Net loans and leases to core deposits | 50.0000% | 6,757 |
| Total domestic deposits to total assets | 89.0397% | 1,509 |
| Equity capital to assets | 10.7293% | 3,254 |
| Core capital (leverage) ratio | 10.4623% | 2,751 |
| Tier 1 risk-based capital ratio | 21.7092% | 1,297 |
| Total risk-based capital ratio | 22.9051% | 1,277 |
| Memoranda: | ||
| Average total assets | $47,268,330 | 6,555 |
| Average earning assets | $43,898,330 | 6,512 |
| Average equity | $5,049,330 | 6,516 |
| Average total loans | $21,898,330 | 6,687 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 7,133 |
| Cost of funding earning assets | 0.7581% | 5,815 |
| Net interest margin | 2.8496% | 6,833 |
| Noninterest income to average assets | 0.3840% | 4,840 |
| Noninterest expense to average assets | 1.8857% | 7,012 |
| Loan and lease loss provision to assets | 0.0853% | 4,936 |
| Net operating income to assets | 1.0751% | 1,931 |
| Return on assets (ROA) | 1.0751% | 1,979 |
| Pretax return on assets | 1.0751% | 2,852 |
| Return on Equity (ROE) | 10.0871% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.6854% | 1,846 |
| Net charge-offs to loans | 0.1095% | 3,871 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,046 |
| Efficiency ratio | 61.9048% | 5,699 |
| Assets per employee ($millions) | 4.7682% | 2,473 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 1,899 |
| Loan loss allowance to noncurrent loans | 178.3088% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5704% | 5,832 |
| Noncurrent loans to loans | 1.2498% | 4,597 |
| Net loans and leases to total assets | 44.6269% | 6,413 |
| Net loans and leases to deposits | 50.0047% | 6,623 |
| Net loans and leases to core deposits | 50.0047% | 6,774 |
| Total domestic deposits to total assets | 89.2454% | 1,616 |
| Equity capital to assets | 10.5847% | 3,095 |
| Core capital (leverage) ratio | 10.3112% | 2,794 |
| Tier 1 risk-based capital ratio | 21.7322% | 1,274 |
| Total risk-based capital ratio | 22.9930% | 1,243 |
| Memoranda: | ||
| Average total assets | $46,879,500 | 6,616 |
| Average earning assets | $43,796,000 | 6,567 |
| Average equity | $4,996,500 | 6,563 |
| Average total loans | $21,911,500 | 6,744 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 6,772 |
| Cost of funding earning assets | 0.9682% | 5,853 |
| Net interest margin | 3.3448% | 5,811 |
| Noninterest income to average assets | 0.4999% | 4,170 |
| Noninterest expense to average assets | 2.2675% | 6,440 |
| Loan and lease loss provision to assets | 0.1256% | 5,906 |
| Net operating income to assets | 1.2436% | 1,309 |
| Return on assets (ROA) | 1.2436% | 1,379 |
| Pretax return on assets | 1.2436% | 2,090 |
| Return on Equity (ROE) | 10.5231% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.4965% | 2,113 |
| Net charge-offs to loans | 0.1592% | 5,391 |
| Credit loss provision to net charge-offs | 148.5714% | 2,452 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,224 |
| Efficiency ratio | 62.3506% | 5,666 |
| Assets per employee ($millions) | 4.6077% | 2,695 |
| Cash dividends to net income (ytd only)* | 47.7670% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1805% | 1,910 |
| Loan loss allowance to noncurrent loans | 95.6262% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 4,829 |
| Noncurrent loans to loans | 2.2802% | 3,237 |
| Net loans and leases to total assets | 46.8303% | 6,492 |
| Net loans and leases to deposits | 52.5831% | 6,707 |
| Net loans and leases to core deposits | 52.5831% | 6,876 |
| Total domestic deposits to total assets | 89.0596% | 1,618 |
| Equity capital to assets | 10.7342% | 2,920 |
| Core capital (leverage) ratio | 10.5782% | 2,486 |
| Tier 1 risk-based capital ratio | 20.8593% | 1,337 |
| Total risk-based capital ratio | 22.1200% | 1,312 |
| Memoranda: | ||
| Average total assets | $41,410,800 | 6,814 |
| Average earning assets | $38,836,400 | 6,768 |
| Average equity | $4,894,000 | 6,706 |
| Average total loans | $21,988,600 | 6,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 6,663 |
| Cost of funding earning assets | 1.0131% | 5,879 |
| Net interest margin | 3.4608% | 5,450 |
| Noninterest income to average assets | 0.5102% | 4,097 |
| Noninterest expense to average assets | 2.0773% | 6,896 |
| Loan and lease loss provision to assets | 0.1392% | 5,638 |
| Net operating income to assets | 1.5306% | 867 |
| Return on assets (ROA) | 1.5306% | 946 |
| Pretax return on assets | 1.5306% | 1,530 |
| Return on Equity (ROE) | 12.6200% | 1,355 |
| Retained earnings to average equity (ytd only) | 7.9762% | 1,428 |
| Net charge-offs to loans | 0.0182% | 6,419 |
| Credit loss provision to net charge-offs | 1,400.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 167.9950% | 195 |
| Efficiency ratio | 55.4377% | 6,627 |
| Assets per employee ($millions) | 4.2904% | 3,280 |
| Cash dividends to net income (ytd only)* | 36.7966% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3691% | 1,516 |
| Loan loss allowance to noncurrent loans | 653.2468% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 6,907 |
| Noncurrent loans to loans | 0.3627% | 6,470 |
| Net loans and leases to total assets | 48.3148% | 6,490 |
| Net loans and leases to deposits | 54.8749% | 6,698 |
| Net loans and leases to core deposits | 54.8749% | 6,919 |
| Total domestic deposits to total assets | 88.0454% | 1,931 |
| Equity capital to assets | 11.7215% | 2,342 |
| Core capital (leverage) ratio | 11.4776% | 1,952 |
| Tier 1 risk-based capital ratio | 21.5181% | 1,283 |
| Total risk-based capital ratio | 22.7810% | 1,259 |
| Memoranda: | ||
| Average total assets | $40,244,250 | 6,939 |
| Average earning assets | $37,639,250 | 6,889 |
| Average equity | $4,881,000 | 6,792 |
| Average total loans | $21,971,000 | 6,914 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 6,445 |
| Cost of funding earning assets | 1.0463% | 5,931 |
| Net interest margin | 3.5586% | 5,011 |
| Noninterest income to average assets | 0.5285% | 3,888 |
| Noninterest expense to average assets | 2.0377% | 7,035 |
| Loan and lease loss provision to assets | 0.1626% | 5,263 |
| Net operating income to assets | 1.6464% | 655 |
| Return on assets (ROA) | 1.6464% | 699 |
| Pretax return on assets | 1.6464% | 1,176 |
| Return on Equity (ROE) | 13.4115% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.8582% | 1,149 |
| Net charge-offs to loans | -0.0540% | 7,460 |
| Credit loss provision to net charge-offs | -533.3333% | 6,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9723% | 6,981 |
| Assets per employee ($millions) | 4.0175% | 3,738 |
| Cash dividends to net income (ytd only)* | 33.9506% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,694 |
| Loan loss allowance to noncurrent loans | 522.9167% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,799 |
| Noncurrent loans to loans | 0.4276% | 6,387 |
| Net loans and leases to total assets | 54.6360% | 5,892 |
| Net loans and leases to deposits | 62.4964% | 6,184 |
| Net loans and leases to core deposits | 62.4964% | 6,511 |
| Total domestic deposits to total assets | 87.4225% | 2,310 |
| Equity capital to assets | 12.3211% | 1,917 |
| Core capital (leverage) ratio | 12.0889% | 1,599 |
| Tier 1 risk-based capital ratio | 20.4146% | 1,447 |
| Total risk-based capital ratio | 21.6757% | 1,413 |
| Memoranda: | ||
| Average total assets | $39,357,670 | 7,016 |
| Average earning assets | $36,700,000 | 6,976 |
| Average equity | $4,831,670 | 6,833 |
| Average total loans | $22,217,330 | 6,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 6,463 |
| Cost of funding earning assets | 1.0647% | 6,065 |
| Net interest margin | 3.5672% | 4,869 |
| Noninterest income to average assets | 0.5238% | 3,858 |
| Noninterest expense to average assets | 1.9718% | 7,210 |
| Loan and lease loss provision to assets | 0.1027% | 5,600 |
| Net operating income to assets | 1.7870% | 512 |
| Return on assets (ROA) | 1.7870% | 559 |
| Pretax return on assets | 1.7870% | 899 |
| Return on Equity (ROE) | 14.5836% | 944 |
| Retained earnings to average equity (ytd only) | 10.3929% | 1,068 |
| Net charge-offs to loans | -0.2353% | 7,703 |
| Credit loss provision to net charge-offs | -76.9231% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0638% | 7,237 |
| Assets per employee ($millions) | 4.3928% | 3,142 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1824% | 1,791 |
| Loan loss allowance to noncurrent loans | 649.3333% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 6,995 |
| Noncurrent loans to loans | 0.3361% | 6,624 |
| Net loans and leases to total assets | 55.2118% | 5,859 |
| Net loans and leases to deposits | 63.0667% | 6,162 |
| Net loans and leases to core deposits | 63.0667% | 6,520 |
| Total domestic deposits to total assets | 87.5452% | 2,336 |
| Equity capital to assets | 12.2297% | 1,915 |
| Core capital (leverage) ratio | 12.0579% | 1,625 |
| Tier 1 risk-based capital ratio | 20.2312% | 1,479 |
| Total risk-based capital ratio | 21.4921% | 1,446 |
| Memoranda: | ||
| Average total assets | $38,949,000 | 7,119 |
| Average earning assets | $36,443,000 | 7,083 |
| Average equity | $4,772,500 | 6,924 |
| Average total loans | $22,100,000 | 7,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 5,864 |
| Cost of funding earning assets | 1.3385% | 6,178 |
| Net interest margin | 3.8141% | 3,646 |
| Noninterest income to average assets | 0.5419% | 4,096 |
| Noninterest expense to average assets | 2.4302% | 6,373 |
| Loan and lease loss provision to assets | 0.1084% | 6,563 |
| Net operating income to assets | 1.5930% | 558 |
| Return on assets (ROA) | 1.6093% | 572 |
| Pretax return on assets | 1.6093% | 946 |
| Return on Equity (ROE) | 12.7424% | 1,018 |
| Retained earnings to average equity (ytd only) | 5.0197% | 1,810 |
| Net charge-offs to loans | 0.0503% | 6,596 |
| Credit loss provision to net charge-offs | 363.6364% | 880 |
| Earnings coverage of net charge-offs (x) | 57.0909% | 465 |
| Efficiency ratio | 58.8197% | 6,647 |
| Assets per employee ($millions) | 3.8363% | 4,191 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 1,791 |
| Loan loss allowance to noncurrent loans | 580.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,946 |
| Noncurrent loans to loans | 0.3655% | 6,546 |
| Net loans and leases to total assets | 55.8377% | 5,971 |
| Net loans and leases to deposits | 63.8537% | 6,285 |
| Net loans and leases to core deposits | 71.3581% | 6,693 |
| Total domestic deposits to total assets | 87.4462% | 2,245 |
| Equity capital to assets | 12.2775% | 1,864 |
| Core capital (leverage) ratio | 11.9007% | 1,707 |
| Tier 1 risk-based capital ratio | 19.6688% | 1,531 |
| Total risk-based capital ratio | 20.9283% | 1,489 |
| Memoranda: | ||
| Average total assets | $36,910,400 | 7,212 |
| Average earning assets | $34,739,600 | 7,148 |
| Average equity | $4,661,600 | 7,061 |
| Average total loans | $21,847,400 | 7,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 5,563 |
| Cost of funding earning assets | 1.4022% | 6,220 |
| Net interest margin | 3.8697% | 3,345 |
| Noninterest income to average assets | 0.5290% | 4,245 |
| Noninterest expense to average assets | 2.1925% | 6,996 |
| Loan and lease loss provision to assets | 0.1459% | 5,901 |
| Net operating income to assets | 1.8350% | 410 |
| Return on assets (ROA) | 1.8569% | 419 |
| Pretax return on assets | 1.8569% | 721 |
| Return on Equity (ROE) | 14.5962% | 823 |
| Retained earnings to average equity (ytd only) | 10.0080% | 631 |
| Net charge-offs to loans | -0.0122% | 7,709 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5350% | 7,368 |
| Assets per employee ($millions) | 4.1384% | 3,487 |
| Cash dividends to net income (ytd only)* | 31.4345% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 1,462 |
| Loan loss allowance to noncurrent loans | 561.1765% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 6,947 |
| Noncurrent loans to loans | 0.3878% | 6,566 |
| Net loans and leases to total assets | 57.5659% | 5,958 |
| Net loans and leases to deposits | 66.4014% | 6,272 |
| Net loans and leases to core deposits | 75.3638% | 6,649 |
| Total domestic deposits to total assets | 86.6939% | 2,332 |
| Equity capital to assets | 12.9893% | 1,704 |
| Core capital (leverage) ratio | 12.7500% | 1,471 |
| Tier 1 risk-based capital ratio | 20.4571% | 1,465 |
| Total risk-based capital ratio | 21.7168% | 1,421 |
| Memoranda: | ||
| Average total assets | $36,547,250 | 7,288 |
| Average earning assets | $34,420,500 | 7,233 |
| Average equity | $4,649,500 | 7,127 |
| Average total loans | $21,838,000 | 7,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 5,151 |
| Cost of funding earning assets | 1.4851% | 6,198 |
| Net interest margin | 3.9153% | 3,038 |
| Noninterest income to average assets | 0.5012% | 4,433 |
| Noninterest expense to average assets | 2.2140% | 7,023 |
| Loan and lease loss provision to assets | 0.2093% | 4,949 |
| Net operating income to assets | 1.7514% | 513 |
| Return on assets (ROA) | 1.7844% | 523 |
| Pretax return on assets | 1.7844% | 872 |
| Return on Equity (ROE) | 14.1279% | 969 |
| Retained earnings to average equity (ytd only) | 11.0756% | 554 |
| Net charge-offs to loans | 0.0550% | 5,724 |
| Credit loss provision to net charge-offs | 633.3333% | 736 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 602 |
| Efficiency ratio | 53.0343% | 7,432 |
| Assets per employee ($millions) | 4.0787% | 3,540 |
| Cash dividends to net income (ytd only)* | 21.6049% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 1,373 |
| Loan loss allowance to noncurrent loans | 686.7647% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 7,067 |
| Noncurrent loans to loans | 0.3076% | 6,746 |
| Net loans and leases to total assets | 58.9436% | 5,849 |
| Net loans and leases to deposits | 67.8595% | 6,210 |
| Net loans and leases to core deposits | 77.9319% | 6,549 |
| Total domestic deposits to total assets | 86.8612% | 2,327 |
| Equity capital to assets | 12.7329% | 1,820 |
| Core capital (leverage) ratio | 12.5235% | 1,618 |
| Tier 1 risk-based capital ratio | 19.7861% | 1,619 |
| Total risk-based capital ratio | 21.0476% | 1,571 |
| Memoranda: | ||
| Average total assets | $36,314,330 | 7,368 |
| Average earning assets | $34,071,330 | 7,313 |
| Average equity | $4,586,670 | 7,209 |
| Average total loans | $21,811,330 | 7,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4763% | 5,034 |
| Cost of funding earning assets | 1.6051% | 6,018 |
| Net interest margin | 3.8712% | 3,185 |
| Noninterest income to average assets | 0.4873% | 4,440 |
| Noninterest expense to average assets | 2.1264% | 7,061 |
| Loan and lease loss provision to assets | 0.1772% | 4,689 |
| Net operating income to assets | 1.8163% | 514 |
| Return on assets (ROA) | 1.8274% | 559 |
| Pretax return on assets | 1.8274% | 929 |
| Return on Equity (ROE) | 14.5278% | 1,067 |
| Retained earnings to average equity (ytd only) | 12.3267% | 738 |
| Net charge-offs to loans | 0.0185% | 5,311 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 240 |
| Efficiency ratio | 51.6129% | 7,452 |
| Assets per employee ($millions) | 4.0581% | 3,544 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 1,294 |
| Loan loss allowance to noncurrent loans | 113.0653% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 4,504 |
| Noncurrent loans to loans | 1.8306% | 3,515 |
| Net loans and leases to total assets | 58.2975% | 5,896 |
| Net loans and leases to deposits | 67.0065% | 6,274 |
| Net loans and leases to core deposits | 78.6553% | 6,487 |
| Total domestic deposits to total assets | 87.0027% | 2,213 |
| Equity capital to assets | 12.6441% | 1,909 |
| Core capital (leverage) ratio | 12.2638% | 1,778 |
| Tier 1 risk-based capital ratio | 19.4063% | 1,735 |
| Total risk-based capital ratio | 20.6666% | 1,686 |
| Memoranda: | ||
| Average total assets | $36,117,500 | 7,413 |
| Average earning assets | $33,891,500 | 7,360 |
| Average equity | $4,543,000 | 7,274 |
| Average total loans | $21,665,000 | 7,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1849% | 4,591 |
| Cost of funding earning assets | 2.2188% | 5,516 |
| Net interest margin | 3.9661% | 3,282 |
| Noninterest income to average assets | 0.5397% | 4,325 |
| Noninterest expense to average assets | 2.5158% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7585% | 595 |
| Return on assets (ROA) | 1.7585% | 573 |
| Pretax return on assets | 1.7585% | 1,029 |
| Return on Equity (ROE) | 13.9921% | 1,107 |
| Retained earnings to average equity (ytd only) | 4.5255% | 2,309 |
| Net charge-offs to loans | -0.0842% | 8,074 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8595% | 6,549 |
| Assets per employee ($millions) | 4.4640% | 2,671 |
| Cash dividends to net income (ytd only)* | 67.6568% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 1,193 |
| Loan loss allowance to noncurrent loans | 836.5385% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 6,990 |
| Noncurrent loans to loans | 0.2409% | 6,662 |
| Net loans and leases to total assets | 59.2322% | 6,021 |
| Net loans and leases to deposits | 68.0161% | 6,461 |
| Net loans and leases to core deposits | 76.2298% | 6,850 |
| Total domestic deposits to total assets | 87.0856% | 1,892 |
| Equity capital to assets | 12.5112% | 2,006 |
| Core capital (leverage) ratio | 11.9242% | 2,007 |
| Tier 1 risk-based capital ratio | 19.1935% | 1,770 |
| Total risk-based capital ratio | 20.4539% | 1,721 |
| Memoranda: | ||
| Average total assets | $34,462,000 | 7,442 |
| Average earning assets | $32,450,000 | 7,389 |
| Average equity | $4,331,000 | 7,382 |
| Average total loans | $20,187,400 | 7,320 |