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 | 6.3000% | 819 |
| Cost of funding earning assets | 2.9813% | 341 |
| Net interest margin | 3.3187% | 2,736 |
| Noninterest income to average assets | 0.0500% | 4,305 |
| Noninterest expense to average assets | 1.5647% | 4,171 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 1.4736% | 1,142 |
| Return on assets (ROA) | 1.4671% | 1,142 |
| Pretax return on assets | 1.4759% | 1,566 |
| Return on Equity (ROE) | 12.0200% | 1,741 |
| Retained earnings to average equity (ytd only) | 12.0179% | 792 |
| Net charge-offs to loans | -0.0027% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 45.5801% | 4,115 |
| Assets per employee ($millions) | 11.1473% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 2,940 |
| Loan loss allowance to noncurrent loans | 200.3856% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,625 |
| Noncurrent loans to loans | 0.5267% | 1,799 |
| Net loans and leases to total assets | 81.9500% | 407 |
| Net loans and leases to deposits | 108.7789% | 175 |
| Net loans and leases to core deposits | 173.8525% | 74 |
| Total domestic deposits to total assets | 75.3400% | 4,019 |
| Equity capital to assets | 12.5204% | 1,051 |
| Core capital (leverage) ratio | 12.2130% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9588% | 1,079 |
| Memoranda: | ||
| Average total assets | $180,225,500 | 3,156 |
| Average earning assets | $171,873,000 | 3,114 |
| Average equity | $22,000,500 | 2,885 |
| Average total loans | $148,376,500 | 2,785 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6873% | 568 |
| Cost of funding earning assets | 2.8065% | 694 |
| Net interest margin | 3.8808% | 1,382 |
| Noninterest income to average assets | 0.0400% | 4,385 |
| Noninterest expense to average assets | 1.6645% | 4,126 |
| Loan and lease loss provision to assets | 0.1800% | 759 |
| Net operating income to assets | 1.8674% | 498 |
| Return on assets (ROA) | 1.8668% | 494 |
| Pretax return on assets | 1.8750% | 739 |
| Return on Equity (ROE) | 15.2400% | 894 |
| Retained earnings to average equity (ytd only) | 6.1640% | 1,758 |
| Net charge-offs to loans | 0.0065% | 2,682 |
| Credit loss provision to net charge-offs | 3,333.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 387.7778% | 318 |
| Efficiency ratio | 41.8130% | 4,294 |
| Assets per employee ($millions) | 12.1396% | 420 |
| Cash dividends to net income (ytd only)* | 59.5591% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,258 |
| Loan loss allowance to noncurrent loans | 178.2452% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 1,544 |
| Noncurrent loans to loans | 0.5583% | 1,683 |
| Net loans and leases to total assets | 81.0300% | 533 |
| Net loans and leases to deposits | 106.1619% | 250 |
| Net loans and leases to core deposits | 166.2344% | 106 |
| Total domestic deposits to total assets | 76.3300% | 3,928 |
| Equity capital to assets | 11.9004% | 1,218 |
| Core capital (leverage) ratio | 11.5378% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1254% | 1,234 |
| Memoranda: | ||
| Average total assets | $170,077,400 | 3,200 |
| Average earning assets | $161,126,400 | 3,163 |
| Average equity | $20,830,600 | 2,911 |
| Average total loans | $138,032,000 | 2,846 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6390% | 582 |
| Cost of funding earning assets | 2.6994% | 842 |
| Net interest margin | 3.9396% | 1,237 |
| Noninterest income to average assets | 0.0400% | 4,403 |
| Noninterest expense to average assets | 1.6304% | 4,147 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 1.9552% | 460 |
| Return on assets (ROA) | 1.9512% | 467 |
| Pretax return on assets | 1.9568% | 685 |
| Return on Equity (ROE) | 15.8100% | 844 |
| Retained earnings to average equity (ytd only) | 3.8601% | 2,903 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 40.2328% | 4,333 |
| Assets per employee ($millions) | 11.3423% | 504 |
| Cash dividends to net income (ytd only)* | 75.5828% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,373 |
| Loan loss allowance to noncurrent loans | 263.3829% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,027 |
| Noncurrent loans to loans | 0.3696% | 2,167 |
| Net loans and leases to total assets | 79.4300% | 701 |
| Net loans and leases to deposits | 103.9700% | 323 |
| Net loans and leases to core deposits | 165.3179% | 110 |
| Total domestic deposits to total assets | 76.4000% | 3,890 |
| Equity capital to assets | 11.5623% | 1,449 |
| Core capital (leverage) ratio | 11.7164% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0531% | 1,286 |
| Memoranda: | ||
| Average total assets | $167,073,250 | 3,221 |
| Average earning assets | $158,253,750 | 3,190 |
| Average equity | $20,620,750 | 2,922 |
| Average total loans | $135,282,250 | 2,864 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5675% | 585 |
| Cost of funding earning assets | 2.5454% | 1,006 |
| Net interest margin | 4.0221% | 1,083 |
| Noninterest income to average assets | 0.0600% | 4,367 |
| Noninterest expense to average assets | 1.6331% | 4,156 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 2.0447% | 417 |
| Return on assets (ROA) | 2.0336% | 419 |
| Pretax return on assets | 2.0386% | 607 |
| Return on Equity (ROE) | 16.1000% | 825 |
| Retained earnings to average equity (ytd only) | -1.5220% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 39.2288% | 4,366 |
| Assets per employee ($millions) | 10.2970% | 673 |
| Cash dividends to net income (ytd only)* | 109.4545% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,284 |
| Loan loss allowance to noncurrent loans | 249.4424% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,856 |
| Noncurrent loans to loans | 0.4010% | 1,989 |
| Net loans and leases to total assets | 80.6100% | 607 |
| Net loans and leases to deposits | 108.1830% | 251 |
| Net loans and leases to core deposits | 162.0983% | 127 |
| Total domestic deposits to total assets | 74.5200% | 4,020 |
| Equity capital to assets | 12.2791% | 1,072 |
| Core capital (leverage) ratio | 12.1811% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8045% | 1,119 |
| Memoranda: | ||
| Average total assets | $162,272,000 | 3,266 |
| Average earning assets | $153,452,333 | 3,237 |
| Average equity | $20,500,000 | 2,896 |
| Average total loans | $131,856,000 | 2,890 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5106% | 561 |
| Cost of funding earning assets | 2.4041% | 1,166 |
| Net interest margin | 4.1066% | 961 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 1.5699% | 4,220 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 2.1660% | 359 |
| Return on assets (ROA) | 2.1635% | 365 |
| Pretax return on assets | 2.1710% | 501 |
| Return on Equity (ROE) | 16.8800% | 733 |
| Retained earnings to average equity (ytd only) | 10.0993% | 1,083 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 36.7889% | 4,401 |
| Assets per employee ($millions) | 10.1458% | 705 |
| Cash dividends to net income (ytd only)* | 40.1837% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,441 |
| Loan loss allowance to noncurrent loans | 867.1233% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,029 |
| Noncurrent loans to loans | 0.1118% | 3,050 |
| Net loans and leases to total assets | 79.6600% | 658 |
| Net loans and leases to deposits | 109.8046% | 192 |
| Net loans and leases to core deposits | 162.5747% | 150 |
| Total domestic deposits to total assets | 72.5400% | 4,202 |
| Equity capital to assets | 12.8724% | 895 |
| Core capital (leverage) ratio | 12.7756% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6847% | 973 |
| Memoranda: | ||
| Average total assets | $161,032,000 | 3,287 |
| Average earning assets | $152,243,000 | 3,253 |
| Average equity | $20,635,000 | 2,902 |
| Average total loans | $130,707,000 | 2,896 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1878% | 504 |
| Cost of funding earning assets | 1.9967% | 920 |
| Net interest margin | 4.1911% | 949 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.7293% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.2678% | 312 |
| Return on assets (ROA) | 2.2883% | 298 |
| Pretax return on assets | 2.2962% | 434 |
| Return on Equity (ROE) | 17.7300% | 858 |
| Retained earnings to average equity (ytd only) | 8.7816% | 1,307 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.7330% | 4,366 |
| Assets per employee ($millions) | 10.6488% | 592 |
| Cash dividends to net income (ytd only)* | 50.4759% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 3,678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.1700% | 515 |
| Net loans and leases to deposits | 111.8579% | 171 |
| Net loans and leases to core deposits | 159.0095% | 158 |
| Total domestic deposits to total assets | 72.5600% | 4,197 |
| Equity capital to assets | 12.7551% | 921 |
| Core capital (leverage) ratio | 12.6808% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8015% | 1,113 |
| Memoranda: | ||
| Average total assets | $151,509,600 | 3,346 |
| Average earning assets | $142,732,400 | 3,315 |
| Average equity | $19,552,200 | 2,900 |
| Average total loans | $122,050,200 | 2,934 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0452% | 499 |
| Cost of funding earning assets | 1.8815% | 883 |
| Net interest margin | 4.1637% | 973 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 1.7967% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1669% | 393 |
| Return on assets (ROA) | 2.1821% | 381 |
| Pretax return on assets | 2.1892% | 566 |
| Return on Equity (ROE) | 16.8600% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.3098% | 1,319 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.6760% | 4,314 |
| Assets per employee ($millions) | 9.3466% | 820 |
| Cash dividends to net income (ytd only)* | 38.8389% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 84.1300% | 269 |
| Net loans and leases to deposits | 118.9545% | 86 |
| Net loans and leases to core deposits | 156.3025% | 121 |
| Total domestic deposits to total assets | 70.7200% | 4,303 |
| Equity capital to assets | 13.4762% | 727 |
| Core capital (leverage) ratio | 12.9273% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2315% | 1,063 |
| Memoranda: | ||
| Average total assets | $149,454,000 | 3,376 |
| Average earning assets | $141,088,000 | 3,342 |
| Average equity | $19,346,750 | 2,904 |
| Average total loans | $119,852,500 | 2,957 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 575 |
| Cost of funding earning assets | 1.7287% | 849 |
| Net interest margin | 4.0444% | 1,165 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.7962% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1068% | 399 |
| Return on assets (ROA) | 2.1215% | 385 |
| Pretax return on assets | 2.1268% | 594 |
| Return on Equity (ROE) | 16.6200% | 1,161 |
| Retained earnings to average equity (ytd only) | 6.6569% | 2,392 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.2603% | 4,329 |
| Assets per employee ($millions) | 8.9701% | 919 |
| Cash dividends to net income (ytd only)* | 59.9369% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.3900% | 1,114 |
| Net loans and leases to deposits | 104.7757% | 343 |
| Net loans and leases to core deposits | 138.1900% | 234 |
| Total domestic deposits to total assets | 71.9500% | 4,293 |
| Equity capital to assets | 12.6512% | 898 |
| Core capital (leverage) ratio | 12.8476% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9508% | 968 |
| Memoranda: | ||
| Average total assets | $149,423,667 | 3,384 |
| Average earning assets | $141,033,333 | 3,353 |
| Average equity | $19,078,000 | 2,939 |
| Average total loans | $117,469,333 | 2,979 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 618 |
| Cost of funding earning assets | 1.6837% | 598 |
| Net interest margin | 3.8256% | 1,630 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7013% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0150% | 481 |
| Return on assets (ROA) | 2.0285% | 460 |
| Pretax return on assets | 2.0339% | 728 |
| Return on Equity (ROE) | 15.8100% | 1,397 |
| Retained earnings to average equity (ytd only) | 13.7051% | 979 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.7151% | 4,396 |
| Assets per employee ($millions) | 9.4378% | 812 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,434 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.5200% | 925 |
| Net loans and leases to deposits | 97.5194% | 563 |
| Net loans and leases to core deposits | 123.3487% | 377 |
| Total domestic deposits to total assets | 78.4600% | 3,946 |
| Equity capital to assets | 12.7784% | 809 |
| Core capital (leverage) ratio | 12.3692% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8034% | 1,023 |
| Memoranda: | ||
| Average total assets | $147,890,000 | 3,449 |
| Average earning assets | $139,689,500 | 3,411 |
| Average equity | $18,971,000 | 2,980 |
| Average total loans | $118,127,000 | 2,998 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 475 |
| Cost of funding earning assets | 1.1792% | 76 |
| Net interest margin | 3.5626% | 1,751 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.8698% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5257% | 830 |
| Return on assets (ROA) | 1.5242% | 803 |
| Pretax return on assets | 1.5257% | 1,379 |
| Return on Equity (ROE) | 11.8600% | 2,193 |
| Retained earnings to average equity (ytd only) | 11.8607% | 698 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.0217% | 4,126 |
| Assets per employee ($millions) | 8.5162% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.7300% | 437 |
| Net loans and leases to deposits | 104.7094% | 272 |
| Net loans and leases to core deposits | 133.9059% | 191 |
| Total domestic deposits to total assets | 78.0600% | 4,084 |
| Equity capital to assets | 12.8793% | 725 |
| Core capital (leverage) ratio | 13.0832% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4831% | 1,239 |
| Memoranda: | ||
| Average total assets | $135,679,600 | 3,579 |
| Average earning assets | $127,461,400 | 3,553 |
| Average equity | $17,435,800 | 3,169 |
| Average total loans | $109,146,800 | 3,035 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 540 |
| Cost of funding earning assets | 1.1097% | 37 |
| Net interest margin | 3.3323% | 2,193 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.9279% | 3,681 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2523% | 1,516 |
| Return on assets (ROA) | 1.2463% | 1,507 |
| Pretax return on assets | 1.2493% | 2,208 |
| Return on Equity (ROE) | 9.7000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.7041% | 1,428 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0157% | 3,721 |
| Assets per employee ($millions) | 7.9422% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,249 |
| Loan loss allowance to noncurrent loans | 7,443.7500% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,857 |
| Noncurrent loans to loans | 0.0141% | 3,831 |
| Net loans and leases to total assets | 83.0300% | 319 |
| Net loans and leases to deposits | 102.3192% | 292 |
| Net loans and leases to core deposits | 129.9835% | 149 |
| Total domestic deposits to total assets | 81.1500% | 3,953 |
| Equity capital to assets | 13.2019% | 650 |
| Core capital (leverage) ratio | 12.9235% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7452% | 1,223 |
| Memoranda: | ||
| Average total assets | $133,405,750 | 3,624 |
| Average earning assets | $125,676,000 | 3,593 |
| Average equity | $17,133,250 | 3,233 |
| Average total loans | $106,553,250 | 3,074 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 698 |
| Cost of funding earning assets | 1.0647% | 28 |
| Net interest margin | 3.0856% | 2,578 |
| Noninterest income to average assets | 0.0512% | 4,626 |
| Noninterest expense to average assets | 1.8966% | 3,711 |
| Loan and lease loss provision to assets | 0.0075% | 2,466 |
| Net operating income to assets | 1.0552% | 1,953 |
| Return on assets (ROA) | 1.0446% | 1,967 |
| Pretax return on assets | 1.0461% | 2,584 |
| Return on Equity (ROE) | 8.2117% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.2117% | 1,543 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2105% | 3,532 |
| Assets per employee ($millions) | 7.6469% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,033 |
| Loan loss allowance to noncurrent loans | 294.0741% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 1,764 |
| Noncurrent loans to loans | 0.3844% | 1,983 |
| Net loans and leases to total assets | 80.1351% | 392 |
| Net loans and leases to deposits | 99.0727% | 306 |
| Net loans and leases to core deposits | 131.2875% | 117 |
| Total domestic deposits to total assets | 80.8851% | 4,144 |
| Equity capital to assets | 13.2856% | 617 |
| Core capital (leverage) ratio | 12.5054% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3106% | 1,117 |
| Memoranda: | ||
| Average total assets | $132,868,333 | 3,668 |
| Average earning assets | $125,291,667 | 3,645 |
| Average equity | $16,902,667 | 3,328 |
| Average total loans | $104,306,333 | 3,128 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8857% | 945 |
| Cost of funding earning assets | 1.0480% | 31 |
| Net interest margin | 2.8377% | 3,020 |
| Noninterest income to average assets | 0.0417% | 4,676 |
| Noninterest expense to average assets | 1.8138% | 3,906 |
| Loan and lease loss provision to assets | 0.0149% | 2,085 |
| Net operating income to assets | 0.8905% | 2,311 |
| Return on assets (ROA) | 0.8965% | 2,284 |
| Pretax return on assets | 0.8965% | 2,788 |
| Return on Equity (ROE) | 7.2016% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.2016% | 1,831 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5696% | 3,426 |
| Assets per employee ($millions) | 7.4472% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,069 |
| Loan loss allowance to noncurrent loans | 165.1872% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 1,113 |
| Noncurrent loans to loans | 0.7002% | 1,358 |
| Net loans and leases to total assets | 75.9297% | 512 |
| Net loans and leases to deposits | 92.7822% | 406 |
| Net loans and leases to core deposits | 121.2944% | 140 |
| Total domestic deposits to total assets | 81.8365% | 4,096 |
| Equity capital to assets | 12.5842% | 785 |
| Core capital (leverage) ratio | 11.8443% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8672% | 1,297 |
| Memoranda: | ||
| Average total assets | $134,303,500 | 3,678 |
| Average earning assets | $126,720,500 | 3,651 |
| Average equity | $16,718,500 | 3,422 |
| Average total loans | $103,777,000 | 3,142 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 322 |
| Cost of funding earning assets | 1.2264% | 28 |
| Net interest margin | 3.6393% | 1,367 |
| Noninterest income to average assets | 0.0422% | 4,738 |
| Noninterest expense to average assets | 1.9026% | 3,916 |
| Loan and lease loss provision to assets | 0.1378% | 880 |
| Net operating income to assets | 1.4245% | 1,196 |
| Return on assets (ROA) | 1.4388% | 1,236 |
| Pretax return on assets | 1.4411% | 1,910 |
| Return on Equity (ROE) | 11.8650% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.4323% | 2,167 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3377% | 4,335 |
| Assets per employee ($millions) | 7.4754% | 1,635 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,206 |
| Loan loss allowance to noncurrent loans | 156.2582% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 1,174 |
| Noncurrent loans to loans | 0.7258% | 1,402 |
| Net loans and leases to total assets | 76.8397% | 451 |
| Net loans and leases to deposits | 93.5574% | 402 |
| Net loans and leases to core deposits | 126.5083% | 118 |
| Total domestic deposits to total assets | 82.1311% | 3,943 |
| Equity capital to assets | 12.3129% | 1,122 |
| Core capital (leverage) ratio | 11.8492% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0753% | 1,487 |
| Memoranda: | ||
| Average total assets | $132,818,800 | 3,649 |
| Average earning assets | $124,995,600 | 3,629 |
| Average equity | $16,106,200 | 3,530 |
| Average total loans | $104,212,400 | 3,149 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 256 |
| Cost of funding earning assets | 1.2535% | 30 |
| Net interest margin | 3.8462% | 1,027 |
| Noninterest income to average assets | 0.0534% | 4,797 |
| Noninterest expense to average assets | 1.8894% | 3,972 |
| Loan and lease loss provision to assets | 0.1488% | 764 |
| Net operating income to assets | 1.6296% | 954 |
| Return on assets (ROA) | 1.6427% | 975 |
| Pretax return on assets | 1.6497% | 1,549 |
| Return on Equity (ROE) | 13.5992% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.3035% | 2,694 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2044% | 4,491 |
| Assets per employee ($millions) | 7.2444% | 1,712 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,464 |
| Loan loss allowance to noncurrent loans | 151.4474% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 1,313 |
| Noncurrent loans to loans | 0.7226% | 1,545 |
| Net loans and leases to total assets | 79.7713% | 305 |
| Net loans and leases to deposits | 95.9772% | 353 |
| Net loans and leases to core deposits | 130.6616% | 113 |
| Total domestic deposits to total assets | 83.1149% | 3,674 |
| Equity capital to assets | 12.4909% | 1,172 |
| Core capital (leverage) ratio | 11.5629% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7710% | 1,694 |
| Memoranda: | ||
| Average total assets | $132,384,000 | 3,692 |
| Average earning assets | $124,658,000 | 3,670 |
| Average equity | $15,990,750 | 3,587 |
| Average total loans | $104,120,500 | 3,187 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 174 |
| Cost of funding earning assets | 1.2829% | 31 |
| Net interest margin | 4.2142% | 570 |
| Noninterest income to average assets | 0.0571% | 4,822 |
| Noninterest expense to average assets | 1.8730% | 4,027 |
| Loan and lease loss provision to assets | 0.1729% | 667 |
| Net operating income to assets | 1.9753% | 504 |
| Return on assets (ROA) | 1.9918% | 519 |
| Pretax return on assets | 1.9978% | 840 |
| Return on Equity (ROE) | 16.6754% | 830 |
| Retained earnings to average equity (ytd only) | 5.6633% | 2,937 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6573% | 4,705 |
| Assets per employee ($millions) | 7.4502% | 1,506 |
| Cash dividends to net income (ytd only)* | 66.0377% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,570 |
| Loan loss allowance to noncurrent loans | 104.0930% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 1,008 |
| Noncurrent loans to loans | 1.0227% | 1,199 |
| Net loans and leases to total assets | 77.5480% | 475 |
| Net loans and leases to deposits | 92.5000% | 521 |
| Net loans and leases to core deposits | 128.5937% | 140 |
| Total domestic deposits to total assets | 83.8357% | 3,484 |
| Equity capital to assets | 11.9176% | 1,408 |
| Core capital (leverage) ratio | 11.0472% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7685% | 1,704 |
| Memoranda: | ||
| Average total assets | $133,045,667 | 3,703 |
| Average earning assets | $125,337,667 | 3,675 |
| Average equity | $15,891,667 | 3,596 |
| Average total loans | $103,770,000 | 3,209 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1957% | 79 |
| Cost of funding earning assets | 1.3490% | 30 |
| Net interest margin | 4.8467% | 228 |
| Noninterest income to average assets | 0.0634% | 4,812 |
| Noninterest expense to average assets | 1.8292% | 4,154 |
| Loan and lease loss provision to assets | 0.2475% | 433 |
| Net operating income to assets | 2.5355% | 250 |
| Return on assets (ROA) | 2.5657% | 264 |
| Pretax return on assets | 2.5718% | 385 |
| Return on Equity (ROE) | 21.4558% | 432 |
| Retained earnings to average equity (ytd only) | 16.4074% | 475 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3595% | 4,856 |
| Assets per employee ($millions) | 8.0454% | 1,183 |
| Cash dividends to net income (ytd only)* | 23.5294% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,647 |
| Loan loss allowance to noncurrent loans | 100.3697% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 1,136 |
| Noncurrent loans to loans | 1.0466% | 1,283 |
| Net loans and leases to total assets | 74.7967% | 738 |
| Net loans and leases to deposits | 88.9497% | 768 |
| Net loans and leases to core deposits | 122.5631% | 221 |
| Total domestic deposits to total assets | 84.0888% | 3,404 |
| Equity capital to assets | 11.8233% | 1,377 |
| Core capital (leverage) ratio | 11.1821% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0885% | 1,541 |
| Memoranda: | ||
| Average total assets | $132,516,500 | 3,710 |
| Average earning assets | $124,538,000 | 3,686 |
| Average equity | $15,846,500 | 3,608 |
| Average total loans | $103,098,000 | 3,218 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 257 |
| Cost of funding earning assets | 1.7351% | 29 |
| Net interest margin | 3.5818% | 2,207 |
| Noninterest income to average assets | 0.0707% | 4,816 |
| Noninterest expense to average assets | 1.9768% | 4,180 |
| Loan and lease loss provision to assets | 0.1044% | 3,031 |
| Net operating income to assets | 1.3240% | 1,190 |
| Return on assets (ROA) | 1.3192% | 1,300 |
| Pretax return on assets | 1.3377% | 1,861 |
| Return on Equity (ROE) | 10.7865% | 1,709 |
| Retained earnings to average equity (ytd only) | 3.0397% | 3,329 |
| Net charge-offs to loans | -0.0196% | 4,423 |
| Credit loss provision to net charge-offs | -650.0000% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3602% | 4,432 |
| Assets per employee ($millions) | 7.5448% | 1,251 |
| Cash dividends to net income (ytd only)* | 71.8198% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,955 |
| Loan loss allowance to noncurrent loans | 92.6199% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,186 |
| Noncurrent loans to loans | 1.0544% | 1,347 |
| Net loans and leases to total assets | 79.3733% | 468 |
| Net loans and leases to deposits | 95.0055% | 598 |
| Net loans and leases to core deposits | 138.2187% | 130 |
| Total domestic deposits to total assets | 83.5461% | 3,249 |
| Equity capital to assets | 12.1019% | 1,518 |
| Core capital (leverage) ratio | 11.2144% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0673% | 1,831 |
| Memoranda: | ||
| Average total assets | $124,542,000 | 3,690 |
| Average earning assets | $116,591,000 | 3,673 |
| Average equity | $15,232,000 | 3,632 |
| Average total loans | $102,010,600 | 3,198 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 227 |
| Cost of funding earning assets | 1.7706% | 34 |
| Net interest margin | 3.7334% | 1,824 |
| Noninterest income to average assets | 0.0475% | 4,896 |
| Noninterest expense to average assets | 1.9987% | 4,144 |
| Loan and lease loss provision to assets | 0.1060% | 2,994 |
| Net operating income to assets | 1.4258% | 1,042 |
| Return on assets (ROA) | 1.4173% | 1,153 |
| Pretax return on assets | 1.4346% | 1,623 |
| Return on Equity (ROE) | 11.5568% | 1,492 |
| Retained earnings to average equity (ytd only) | 2.0581% | 3,916 |
| Net charge-offs to loans | -0.0026% | 3,925 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0760% | 4,484 |
| Assets per employee ($millions) | 7.5348% | 1,189 |
| Cash dividends to net income (ytd only)* | 82.1918% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,082 |
| Loan loss allowance to noncurrent loans | 342.8058% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,361 |
| Noncurrent loans to loans | 0.2619% | 3,359 |
| Net loans and leases to total assets | 82.1144% | 421 |
| Net loans and leases to deposits | 98.2771% | 609 |
| Net loans and leases to core deposits | 145.2910% | 141 |
| Total domestic deposits to total assets | 83.5540% | 2,971 |
| Equity capital to assets | 11.9391% | 1,713 |
| Core capital (leverage) ratio | 11.1800% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4790% | 2,010 |
| Memoranda: | ||
| Average total assets | $123,612,250 | 3,694 |
| Average earning assets | $115,888,500 | 3,665 |
| Average equity | $15,159,500 | 3,639 |
| Average total loans | $101,811,000 | 3,209 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 193 |
| Cost of funding earning assets | 1.8119% | 39 |
| Net interest margin | 3.9740% | 1,393 |
| Noninterest income to average assets | 0.0508% | 4,912 |
| Noninterest expense to average assets | 2.0406% | 4,149 |
| Loan and lease loss provision to assets | 0.1065% | 2,943 |
| Net operating income to assets | 1.6032% | 754 |
| Return on assets (ROA) | 1.5903% | 848 |
| Pretax return on assets | 1.6083% | 1,204 |
| Return on Equity (ROE) | 12.8482% | 1,138 |
| Retained earnings to average equity (ytd only) | -1.4423% | 4,531 |
| Net charge-offs to loans | -0.0040% | 3,947 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0661% | 4,622 |
| Assets per employee ($millions) | 6.9917% | 1,441 |
| Cash dividends to net income (ytd only)* | 111.2255% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 3,906 |
| Loan loss allowance to noncurrent loans | 3,175.8621% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,440 |
| Noncurrent loans to loans | 0.0291% | 4,368 |
| Net loans and leases to total assets | 78.4817% | 790 |
| Net loans and leases to deposits | 94.2039% | 946 |
| Net loans and leases to core deposits | 142.1274% | 150 |
| Total domestic deposits to total assets | 83.3104% | 2,995 |
| Equity capital to assets | 11.8783% | 1,738 |
| Core capital (leverage) ratio | 11.1647% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9052% | 1,859 |
| Memoranda: | ||
| Average total assets | $122,119,000 | 3,698 |
| Average earning assets | $114,242,333 | 3,673 |
| Average equity | $15,115,000 | 3,645 |
| Average total loans | $100,369,667 | 3,224 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1450% | 138 |
| Cost of funding earning assets | 1.8809% | 57 |
| Net interest margin | 4.2641% | 817 |
| Noninterest income to average assets | 0.0532% | 4,967 |
| Noninterest expense to average assets | 2.0490% | 4,313 |
| Loan and lease loss provision to assets | 0.1064% | 2,352 |
| Net operating income to assets | 1.8556% | 367 |
| Return on assets (ROA) | 1.8095% | 449 |
| Pretax return on assets | 1.8328% | 652 |
| Return on Equity (ROE) | 14.3177% | 643 |
| Retained earnings to average equity (ytd only) | 8.0011% | 1,233 |
| Net charge-offs to loans | 0.0079% | 2,282 |
| Credit loss provision to net charge-offs | 1,600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 298.5000% | 239 |
| Efficiency ratio | 44.9299% | 4,861 |
| Assets per employee ($millions) | 7.0688% | 1,066 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 82.4415% | 400 |
| Net loans and leases to deposits | 100.1830% | 547 |
| Net loans and leases to core deposits | 153.6755% | 103 |
| Total domestic deposits to total assets | 82.2909% | 3,335 |
| Equity capital to assets | 12.7736% | 1,567 |
| Core capital (leverage) ratio | 11.6441% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1119% | 1,869 |
| Memoranda: | ||
| Average total assets | $120,253,000 | 3,702 |
| Average earning assets | $112,287,000 | 3,677 |
| Average equity | $15,198,000 | 3,640 |
| Average total loans | $100,709,000 | 3,216 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0950% | 197 |
| Cost of funding earning assets | 1.9014% | 91 |
| Net interest margin | 4.1936% | 1,332 |
| Noninterest income to average assets | 0.0672% | 4,996 |
| Noninterest expense to average assets | 2.0298% | 4,482 |
| Loan and lease loss provision to assets | 0.1105% | 1,888 |
| Net operating income to assets | 1.7748% | 554 |
| Return on assets (ROA) | 1.7824% | 575 |
| Pretax return on assets | 1.7943% | 953 |
| Return on Equity (ROE) | 14.6414% | 763 |
| Retained earnings to average equity (ytd only) | 6.3288% | 1,703 |
| Net charge-offs to loans | -0.0244% | 4,668 |
| Credit loss provision to net charge-offs | -520.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4093% | 4,932 |
| Assets per employee ($millions) | 7.0786% | 1,011 |
| Cash dividends to net income (ytd only)* | 56.7748% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 4,182 |
| Loan loss allowance to noncurrent loans | 35.4210% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 392 |
| Noncurrent loans to loans | 2.3762% | 484 |
| Net loans and leases to total assets | 83.6076% | 358 |
| Net loans and leases to deposits | 101.2407% | 517 |
| Net loans and leases to core deposits | 155.5384% | 97 |
| Total domestic deposits to total assets | 82.5829% | 3,335 |
| Equity capital to assets | 12.5033% | 1,814 |
| Core capital (leverage) ratio | 11.4751% | 2,127 |
| Tier 1 risk-based capital ratio | 13.3039% | 3,630 |
| Total risk-based capital ratio | 14.1462% | 3,721 |
| Memoranda: | ||
| Average total assets | $117,595,000 | 3,739 |
| Average earning assets | $108,235,600 | 3,745 |
| Average equity | $14,315,600 | 3,710 |
| Average total loans | $102,521,400 | 3,195 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2303% | 166 |
| Cost of funding earning assets | 1.9043% | 93 |
| Net interest margin | 4.3260% | 1,114 |
| Noninterest income to average assets | 0.0753% | 5,058 |
| Noninterest expense to average assets | 2.0642% | 4,423 |
| Loan and lease loss provision to assets | 0.1118% | 1,748 |
| Net operating income to assets | 1.8647% | 546 |
| Return on assets (ROA) | 1.8726% | 553 |
| Pretax return on assets | 1.8840% | 900 |
| Return on Equity (ROE) | 15.4906% | 686 |
| Retained earnings to average equity (ytd only) | 5.2075% | 2,793 |
| Net charge-offs to loans | -0.0195% | 4,579 |
| Credit loss provision to net charge-offs | -653.3333% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7791% | 4,984 |
| Assets per employee ($millions) | 7.4041% | 884 |
| Cash dividends to net income (ytd only)* | 66.3826% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,456 |
| Loan loss allowance to noncurrent loans | 2,534.3750% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,602 |
| Noncurrent loans to loans | 0.0309% | 4,529 |
| Net loans and leases to total assets | 86.6610% | 154 |
| Net loans and leases to deposits | 105.0594% | 358 |
| Net loans and leases to core deposits | 162.8150% | 79 |
| Total domestic deposits to total assets | 82.4877% | 3,323 |
| Equity capital to assets | 12.4020% | 1,981 |
| Core capital (leverage) ratio | 11.4238% | 2,286 |
| Tier 1 risk-based capital ratio | 12.9377% | 3,883 |
| Total risk-based capital ratio | 13.7409% | 4,026 |
| Memoranda: | ||
| Average total assets | $116,909,750 | 3,788 |
| Average earning assets | $107,472,250 | 3,799 |
| Average equity | $14,133,000 | 3,764 |
| Average total loans | $102,785,750 | 3,225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2448% | 158 |
| Cost of funding earning assets | 1.9311% | 75 |
| Net interest margin | 4.3137% | 1,110 |
| Noninterest income to average assets | 0.0808% | 5,097 |
| Noninterest expense to average assets | 2.0517% | 4,516 |
| Loan and lease loss provision to assets | 0.1117% | 1,677 |
| Net operating income to assets | 1.8627% | 530 |
| Return on assets (ROA) | 1.8678% | 545 |
| Pretax return on assets | 1.8799% | 868 |
| Return on Equity (ROE) | 15.5880% | 659 |
| Retained earnings to average equity (ytd only) | -0.0430% | 4,690 |
| Net charge-offs to loans | -0.0293% | 4,671 |
| Credit loss provision to net charge-offs | -433.3333% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5106% | 5,049 |
| Assets per employee ($millions) | 6.8512% | 1,068 |
| Cash dividends to net income (ytd only)* | 100.2760% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 4,539 |
| 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 | 85.9852% | 215 |
| Net loans and leases to deposits | 113.0315% | 164 |
| Net loans and leases to core deposits | 184.7594% | 53 |
| Total domestic deposits to total assets | 76.0719% | 4,656 |
| Equity capital to assets | 12.1379% | 2,088 |
| Core capital (leverage) ratio | 10.9043% | 2,688 |
| Tier 1 risk-based capital ratio | 12.6601% | 4,037 |
| Total risk-based capital ratio | 13.4530% | 4,177 |
| Memoranda: | ||
| Average total assets | $116,391,330 | 3,818 |
| Average earning assets | $106,776,330 | 3,826 |
| Average equity | $13,946,670 | 3,798 |
| Average total loans | $102,556,330 | 3,249 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 164 |
| Cost of funding earning assets | 1.8724% | 79 |
| Net interest margin | 4.3080% | 1,077 |
| Noninterest income to average assets | 0.0550% | 5,199 |
| Noninterest expense to average assets | 1.9905% | 4,661 |
| Loan and lease loss provision to assets | 0.1134% | 1,565 |
| Net operating income to assets | 1.9116% | 453 |
| Return on assets (ROA) | 1.9286% | 450 |
| Pretax return on assets | 1.9389% | 724 |
| Return on Equity (ROE) | 16.2004% | 566 |
| Retained earnings to average equity (ytd only) | -15.2763% | 5,208 |
| Net charge-offs to loans | -0.0077% | 4,135 |
| Credit loss provision to net charge-offs | -1,650.0000% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8693% | 5,137 |
| Assets per employee ($millions) | 6.8202% | 1,079 |
| Cash dividends to net income (ytd only)* | 194.2959% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,760 |
| Loan loss allowance to noncurrent loans | 14,660.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,863 |
| Noncurrent loans to loans | 0.0048% | 4,783 |
| Net loans and leases to total assets | 88.3469% | 88 |
| Net loans and leases to deposits | 112.6406% | 167 |
| Net loans and leases to core deposits | 177.7901% | 55 |
| Total domestic deposits to total assets | 78.4325% | 4,447 |
| Equity capital to assets | 11.7290% | 2,206 |
| Core capital (leverage) ratio | 10.4417% | 3,119 |
| Tier 1 risk-based capital ratio | 11.6772% | 4,638 |
| Total risk-based capital ratio | 12.4008% | 4,822 |
| Memoranda: | ||
| Average total assets | $116,352,000 | 3,859 |
| Average earning assets | $107,243,500 | 3,857 |
| Average equity | $13,851,500 | 3,822 |
| Average total loans | $103,371,500 | 3,264 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9843% | 166 |
| Cost of funding earning assets | 1.6445% | 52 |
| Net interest margin | 4.3398% | 1,065 |
| Noninterest income to average assets | 0.0823% | 5,200 |
| Noninterest expense to average assets | 2.0261% | 4,708 |
| Loan and lease loss provision to assets | 0.1176% | 1,870 |
| Net operating income to assets | 1.9420% | 402 |
| Return on assets (ROA) | 1.9420% | 400 |
| Pretax return on assets | 1.9511% | 623 |
| Return on Equity (ROE) | 16.0877% | 615 |
| Retained earnings to average equity (ytd only) | 10.0108% | 615 |
| Net charge-offs to loans | -0.0169% | 4,647 |
| Credit loss provision to net charge-offs | -764.7059% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5226% | 5,229 |
| Assets per employee ($millions) | 6.8683% | 1,041 |
| Cash dividends to net income (ytd only)* | 37.7736% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 4,857 |
| Loan loss allowance to noncurrent loans | 11,650.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,896 |
| Noncurrent loans to loans | 0.0058% | 4,796 |
| Net loans and leases to total assets | 88.1108% | 114 |
| Net loans and leases to deposits | 112.0515% | 208 |
| Net loans and leases to core deposits | 175.1132% | 59 |
| Total domestic deposits to total assets | 78.6341% | 4,387 |
| Equity capital to assets | 12.0794% | 1,837 |
| Core capital (leverage) ratio | 10.7987% | 2,738 |
| Tier 1 risk-based capital ratio | 12.0088% | 4,424 |
| Total risk-based capital ratio | 12.6936% | 4,658 |
| Memoranda: | ||
| Average total assets | $110,554,800 | 3,936 |
| Average earning assets | $102,217,800 | 3,948 |
| Average equity | $13,345,600 | 3,834 |
| Average total loans | $100,405,000 | 3,286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9028% | 182 |
| Cost of funding earning assets | 1.5773% | 50 |
| Net interest margin | 4.3255% | 1,059 |
| Noninterest income to average assets | 0.1174% | 5,144 |
| Noninterest expense to average assets | 1.9950% | 4,750 |
| Loan and lease loss provision to assets | 0.1199% | 1,690 |
| Net operating income to assets | 2.0023% | 375 |
| Return on assets (ROA) | 2.0023% | 374 |
| Pretax return on assets | 2.0109% | 605 |
| Return on Equity (ROE) | 16.5902% | 603 |
| Retained earnings to average equity (ytd only) | 9.3846% | 1,079 |
| Net charge-offs to loans | -0.0147% | 4,510 |
| Credit loss provision to net charge-offs | -890.9091% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2689% | 5,297 |
| Assets per employee ($millions) | 6.7395% | 1,057 |
| Cash dividends to net income (ytd only)* | 43.4333% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 4,989 |
| Loan loss allowance to noncurrent loans | 8,262.5000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 4,814 |
| Noncurrent loans to loans | 0.0077% | 4,900 |
| Net loans and leases to total assets | 90.1755% | 68 |
| Net loans and leases to deposits | 107.8737% | 360 |
| Net loans and leases to core deposits | 167.4012% | 73 |
| Total domestic deposits to total assets | 83.5936% | 3,086 |
| Equity capital to assets | 11.9524% | 1,942 |
| Core capital (leverage) ratio | 10.8415% | 2,745 |
| Tier 1 risk-based capital ratio | 11.5690% | 4,753 |
| Total risk-based capital ratio | 12.2188% | 4,948 |
| Memoranda: | ||
| Average total assets | $109,003,250 | 4,000 |
| Average earning assets | $101,011,750 | 3,997 |
| Average equity | $13,156,000 | 3,891 |
| Average total loans | $99,611,750 | 3,331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 172 |
| Cost of funding earning assets | 1.5689% | 41 |
| Net interest margin | 4.3074% | 1,017 |
| Noninterest income to average assets | 0.1176% | 5,202 |
| Noninterest expense to average assets | 2.0028% | 4,796 |
| Loan and lease loss provision to assets | 0.1213% | 1,626 |
| Net operating income to assets | 1.9711% | 399 |
| Return on assets (ROA) | 1.9711% | 397 |
| Pretax return on assets | 1.9805% | 631 |
| Return on Equity (ROE) | 16.2754% | 615 |
| Retained earnings to average equity (ytd only) | 5.3172% | 2,925 |
| Net charge-offs to loans | 0.0041% | 3,032 |
| Credit loss provision to net charge-offs | 3,250.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 563.0000% | 162 |
| Efficiency ratio | 41.4279% | 5,366 |
| Assets per employee ($millions) | 6.2676% | 1,287 |
| Cash dividends to net income (ytd only)* | 67.3295% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 5,051 |
| Loan loss allowance to noncurrent loans | 6,150.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,731 |
| Noncurrent loans to loans | 0.0103% | 4,906 |
| Net loans and leases to total assets | 90.8766% | 51 |
| Net loans and leases to deposits | 109.4323% | 298 |
| Net loans and leases to core deposits | 173.3888% | 55 |
| Total domestic deposits to total assets | 83.0436% | 3,403 |
| Equity capital to assets | 12.3069% | 1,657 |
| Core capital (leverage) ratio | 10.3338% | 3,202 |
| Tier 1 risk-based capital ratio | 11.7317% | 4,665 |
| Total risk-based capital ratio | 12.3810% | 4,888 |
| Memoranda: | ||
| Average total assets | $107,147,330 | 4,064 |
| Average earning assets | $99,178,000 | 4,064 |
| Average equity | $12,976,670 | 3,935 |
| Average total loans | $98,157,000 | 3,368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 213 |
| Cost of funding earning assets | 1.4998% | 43 |
| Net interest margin | 4.1889% | 1,196 |
| Noninterest income to average assets | 0.0596% | 5,451 |
| Noninterest expense to average assets | 1.9284% | 4,978 |
| Loan and lease loss provision to assets | 0.1229% | 1,537 |
| Net operating income to assets | 1.8688% | 488 |
| Return on assets (ROA) | 1.8688% | 492 |
| Pretax return on assets | 1.8763% | 768 |
| Return on Equity (ROE) | 15.5556% | 698 |
| Retained earnings to average equity (ytd only) | 9.0173% | 1,453 |
| Net charge-offs to loans | 0.0203% | 2,091 |
| Credit loss provision to net charge-offs | 660.0000% | 489 |
| Earnings coverage of net charge-offs (x) | 107.4000% | 581 |
| Efficiency ratio | 41.3270% | 5,422 |
| Assets per employee ($millions) | 6.2471% | 1,340 |
| Cash dividends to net income (ytd only)* | 42.0319% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5924% | 5,195 |
| Loan loss allowance to noncurrent loans | 4,825.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,791 |
| Noncurrent loans to loans | 0.0123% | 4,949 |
| Net loans and leases to total assets | 91.4849% | 36 |
| Net loans and leases to deposits | 109.1075% | 283 |
| Net loans and leases to core deposits | 173.7460% | 60 |
| Total domestic deposits to total assets | 83.8484% | 3,388 |
| Equity capital to assets | 12.2966% | 1,603 |
| Core capital (leverage) ratio | 10.4068% | 3,057 |
| Tier 1 risk-based capital ratio | 12.1142% | 4,490 |
| Total risk-based capital ratio | 12.7531% | 4,755 |
| Memoranda: | ||
| Average total assets | $107,446,000 | 4,099 |
| Average earning assets | $99,213,500 | 4,112 |
| Average equity | $12,908,500 | 3,983 |
| Average total loans | $98,513,500 | 3,388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 270 |
| Cost of funding earning assets | 1.4355% | 29 |
| Net interest margin | 4.0514% | 1,589 |
| Noninterest income to average assets | 0.1105% | 5,369 |
| Noninterest expense to average assets | 2.0308% | 4,912 |
| Loan and lease loss provision to assets | 0.1260% | 1,818 |
| Net operating income to assets | 1.6820% | 545 |
| Return on assets (ROA) | 1.6820% | 558 |
| Pretax return on assets | 1.6917% | 1,027 |
| Return on Equity (ROE) | 14.4797% | 692 |
| Retained earnings to average equity (ytd only) | 11.5521% | 204 |
| Net charge-offs to loans | -0.1315% | 5,435 |
| Credit loss provision to net charge-offs | -104.8387% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2487% | 5,389 |
| Assets per employee ($millions) | 7.2461% | 866 |
| Cash dividends to net income (ytd only)* | 20.2189% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5559% | 5,318 |
| Loan loss allowance to noncurrent loans | 6,133.3333% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,853 |
| Noncurrent loans to loans | 0.0091% | 5,010 |
| Net loans and leases to total assets | 90.8429% | 54 |
| Net loans and leases to deposits | 108.6369% | 300 |
| Net loans and leases to core deposits | 168.0807% | 67 |
| Total domestic deposits to total assets | 83.6207% | 3,346 |
| Equity capital to assets | 11.7378% | 2,009 |
| Core capital (leverage) ratio | 10.2163% | 3,171 |
| Tier 1 risk-based capital ratio | 11.4526% | 4,883 |
| Total risk-based capital ratio | 12.0399% | 5,151 |
| Memoranda: | ||
| Average total assets | $103,210,200 | 4,183 |
| Average earning assets | $95,227,000 | 4,172 |
| Average equity | $11,989,200 | 4,139 |
| Average total loans | $94,272,400 | 3,445 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4079% | 295 |
| Cost of funding earning assets | 1.4193% | 28 |
| Net interest margin | 3.9887% | 1,740 |
| Noninterest income to average assets | 0.1257% | 5,374 |
| Noninterest expense to average assets | 2.0437% | 4,865 |
| Loan and lease loss provision to assets | 0.1283% | 1,688 |
| Net operating income to assets | 1.6300% | 663 |
| Return on assets (ROA) | 1.6300% | 685 |
| Pretax return on assets | 1.6404% | 1,277 |
| Return on Equity (ROE) | 14.0710% | 818 |
| Retained earnings to average equity (ytd only) | 11.5167% | 342 |
| Net charge-offs to loans | -0.1577% | 5,487 |
| Credit loss provision to net charge-offs | -89.0909% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5275% | 5,367 |
| Assets per employee ($millions) | 7.1936% | 871 |
| Cash dividends to net income (ytd only)* | 18.1528% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5054% | 5,458 |
| Loan loss allowance to noncurrent loans | 177.5439% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 4,013 |
| Noncurrent loans to loans | 0.2847% | 3,926 |
| Net loans and leases to total assets | 92.3071% | 29 |
| Net loans and leases to deposits | 109.4827% | 293 |
| Net loans and leases to core deposits | 167.8514% | 74 |
| Total domestic deposits to total assets | 84.3120% | 2,992 |
| Equity capital to assets | 11.4843% | 2,394 |
| Core capital (leverage) ratio | 9.9659% | 3,608 |
| Tier 1 risk-based capital ratio | 10.9521% | 5,270 |
| Total risk-based capital ratio | 11.4888% | 5,477 |
| Memoranda: | ||
| Average total assets | $101,839,750 | 4,246 |
| Average earning assets | $94,131,000 | 4,233 |
| Average equity | $11,797,000 | 4,216 |
| Average total loans | $93,017,750 | 3,499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 330 |
| Cost of funding earning assets | 1.4142% | 24 |
| Net interest margin | 3.8906% | 1,964 |
| Noninterest income to average assets | 0.1483% | 5,323 |
| Noninterest expense to average assets | 2.0317% | 4,905 |
| Loan and lease loss provision to assets | 0.1302% | 1,597 |
| Net operating income to assets | 1.5648% | 762 |
| Return on assets (ROA) | 1.5648% | 785 |
| Pretax return on assets | 1.5749% | 1,420 |
| Return on Equity (ROE) | 13.4671% | 933 |
| Retained earnings to average equity (ytd only) | 9.5701% | 686 |
| Net charge-offs to loans | -0.0971% | 5,401 |
| Credit loss provision to net charge-offs | -147.7273% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7399% | 5,371 |
| Assets per employee ($millions) | 6.8119% | 1,008 |
| Cash dividends to net income (ytd only)* | 28.9373% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 5,588 |
| Loan loss allowance to noncurrent loans | 130.0319% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,899 |
| Noncurrent loans to loans | 0.3287% | 3,859 |
| Net loans and leases to total assets | 92.7891% | 22 |
| Net loans and leases to deposits | 117.4712% | 126 |
| Net loans and leases to core deposits | 179.6309% | 56 |
| Total domestic deposits to total assets | 78.9888% | 4,622 |
| Equity capital to assets | 11.6736% | 2,172 |
| Core capital (leverage) ratio | 9.9060% | 3,648 |
| Tier 1 risk-based capital ratio | 11.0142% | 5,240 |
| Total risk-based capital ratio | 11.4716% | 5,504 |
| Memoranda: | ||
| Average total assets | $99,818,330 | 4,312 |
| Average earning assets | $92,068,670 | 4,306 |
| Average equity | $11,598,670 | 4,256 |
| Average total loans | $90,654,000 | 3,565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 363 |
| Cost of funding earning assets | 1.4142% | 24 |
| Net interest margin | 3.8183% | 2,053 |
| Noninterest income to average assets | 0.0770% | 5,655 |
| Noninterest expense to average assets | 2.0276% | 4,988 |
| Loan and lease loss provision to assets | 0.1338% | 1,427 |
| Net operating income to assets | 1.4112% | 978 |
| Return on assets (ROA) | 1.4112% | 1,008 |
| Pretax return on assets | 1.4193% | 1,825 |
| Return on Equity (ROE) | 12.1742% | 1,185 |
| Retained earnings to average equity (ytd only) | 4.2680% | 3,306 |
| Net charge-offs to loans | -0.1946% | 5,615 |
| Credit loss provision to net charge-offs | -76.7442% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5096% | 5,346 |
| Assets per employee ($millions) | 6.7154% | 1,074 |
| Cash dividends to net income (ytd only)* | 64.9425% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4201% | 5,670 |
| Loan loss allowance to noncurrent loans | 406.5217% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,805 |
| Noncurrent loans to loans | 0.1033% | 4,777 |
| Net loans and leases to total assets | 88.0047% | 107 |
| Net loans and leases to deposits | 106.0078% | 322 |
| Net loans and leases to core deposits | 160.9032% | 81 |
| Total domestic deposits to total assets | 83.0171% | 3,830 |
| Equity capital to assets | 11.4116% | 2,244 |
| Core capital (leverage) ratio | 9.5245% | 4,097 |
| Tier 1 risk-based capital ratio | 11.1792% | 5,214 |
| Total risk-based capital ratio | 11.6275% | 5,522 |
| Memoranda: | ||
| Average total assets | $98,638,000 | 4,379 |
| Average earning assets | $90,511,000 | 4,384 |
| Average equity | $11,434,000 | 4,315 |
| Average total loans | $88,372,000 | 3,635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8021% | 5,642 |
| Cost of funding earning assets | 0.5196% | 1,942 |
| Net interest margin | 2.2825% | 5,715 |
| Noninterest income to average assets | 0.2050% | 5,184 |
| Noninterest expense to average assets | 1.2024% | 5,829 |
| Loan and lease loss provision to assets | 0.3325% | 533 |
| Net operating income to assets | 0.7617% | 3,481 |
| Return on assets (ROA) | 0.7617% | 3,591 |
| Pretax return on assets | 0.7708% | 4,264 |
| Return on Equity (ROE) | 6.5473% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.8933% | 2,412 |
| Net charge-offs to loans | 0.2633% | 1,051 |
| Credit loss provision to net charge-offs | 137.7358% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.5708% | 3,476 |
| Efficiency ratio | 45.8272% | 5,645 |
| Assets per employee ($millions) | 6.4363% | 1,182 |
| Cash dividends to net income (ytd only)* | 25.2616% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3397% | 5,779 |
| Loan loss allowance to noncurrent loans | 313.6842% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 4,774 |
| Noncurrent loans to loans | 0.1083% | 4,800 |
| Net loans and leases to total assets | 90.5526% | 58 |
| Net loans and leases to deposits | 118.0066% | 110 |
| Net loans and leases to core deposits | 173.7844% | 55 |
| Total domestic deposits to total assets | 76.7352% | 5,152 |
| Equity capital to assets | 11.7800% | 1,946 |
| Core capital (leverage) ratio | 10.6396% | 2,730 |
| Tier 1 risk-based capital ratio | 11.2040% | 5,216 |
| Total risk-based capital ratio | 11.5603% | 5,594 |
| Memoranda: | ||
| Average total assets | $87,826,000 | 4,585 |
| Average earning assets | $80,832,600 | 4,576 |
| Average equity | $10,218,000 | 4,535 |
| Average total loans | $80,530,800 | 3,793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5023% | 5,823 |
| Cost of funding earning assets | 0.4413% | 2,624 |
| Net interest margin | 2.0609% | 5,859 |
| Noninterest income to average assets | 0.0473% | 5,845 |
| Noninterest expense to average assets | 0.9967% | 5,923 |
| Loan and lease loss provision to assets | 0.0433% | 3,363 |
| Net operating income to assets | 0.9021% | 2,892 |
| Return on assets (ROA) | 0.9021% | 3,035 |
| Pretax return on assets | 0.9021% | 3,972 |
| Return on Equity (ROE) | 7.4356% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.8770% | 2,254 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7120% | 5,753 |
| Assets per employee ($millions) | 7.3636% | 770 |
| Cash dividends to net income (ytd only)* | 20.9613% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0327% | 5,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.2651% | 43 |
| Net loans and leases to deposits | 110.9673% | 239 |
| Net loans and leases to core deposits | 161.6025% | 90 |
| Total domestic deposits to total assets | 82.2451% | 3,860 |
| Equity capital to assets | 12.9108% | 1,536 |
| Core capital (leverage) ratio | 10.9175% | 2,543 |
| Tier 1 risk-based capital ratio | 11.9440% | 4,822 |
| Total risk-based capital ratio | 11.9792% | 5,418 |
| Memoranda: | ||
| Average total assets | $67,690,250 | 5,026 |
| Average earning assets | $62,235,000 | 5,017 |
| Average equity | $8,212,500 | 4,944 |
| Average total loans | $62,132,750 | 4,255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9230% | 6,035 |
| Cost of funding earning assets | 0.1621% | 5,474 |
| Net interest margin | 0.7609% | 6,037 |
| Noninterest income to average assets | 0.0152% | 5,975 |
| Noninterest expense to average assets | 0.3409% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3744% | 5,108 |
| Return on assets (ROA) | 0.3744% | 5,195 |
| Pretax return on assets | 0.3744% | 5,381 |
| Return on Equity (ROE) | 3.1615% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.1615% | 3,889 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8511% | 5,891 |
| Assets per employee ($millions) | 7.6028% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 89.3387% | 87 |
| Net loans and leases to deposits | 123.8176% | 79 |
| Net loans and leases to core deposits | 207.9535% | 44 |
| Total domestic deposits to total assets | 72.1535% | 5,663 |
| Equity capital to assets | 13.5448% | 1,215 |
| Core capital (leverage) ratio | 11.2349% | 2,206 |
| Tier 1 risk-based capital ratio | 12.3366% | 4,623 |
| Total risk-based capital ratio | 12.3366% | 5,293 |
| Memoranda: | ||
| Average total assets | $65,708,330 | 5,110 |
| Average earning assets | $60,452,670 | 5,100 |
| Average equity | $7,781,000 | 5,066 |
| Average total loans | $60,435,000 | 4,330 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 407 |
| Cost of funding earning assets | 0.9857% | 185 |
| Net interest margin | 4.2224% | 1,059 |
| Noninterest income to average assets | 0.1430% | 5,627 |
| Noninterest expense to average assets | 2.0761% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0078% | 327 |
| Return on assets (ROA) | 2.0078% | 340 |
| Pretax return on assets | 2.0078% | 552 |
| Return on Equity (ROE) | 18.3588% | 326 |
| Retained earnings to average equity (ytd only) | 18.3588% | 123 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8371% | 5,578 |
| Assets per employee ($millions) | 7.1613% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 5,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 93.1018% | 17 |
| Net loans and leases to deposits | 121.0213% | 91 |
| Net loans and leases to core deposits | 185.1523% | 48 |
| Total domestic deposits to total assets | 76.9301% | 5,296 |
| Equity capital to assets | 11.1696% | 2,752 |
| Core capital (leverage) ratio | 11.1497% | 2,264 |
| Tier 1 risk-based capital ratio | 12.4095% | 4,644 |
| Total risk-based capital ratio | 12.9042% | 5,048 |
| Memoranda: | ||
| Average total assets | $64,350,000 | 5,190 |
| Average earning assets | $60,060,000 | 5,157 |
| Average equity | $7,037,500 | 5,225 |
| Average total loans | $60,087,500 | 4,367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 564 |
| Cost of funding earning assets | 0.8967% | 293 |
| Net interest margin | 4.1580% | 1,262 |
| Noninterest income to average assets | 0.1065% | 5,855 |
| Noninterest expense to average assets | 2.0544% | 5,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9402% | 383 |
| Return on assets (ROA) | 1.9402% | 394 |
| Pretax return on assets | 1.9402% | 612 |
| Return on Equity (ROE) | 19.2012% | 289 |
| Retained earnings to average equity (ytd only) | 10.1654% | 445 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4286% | 5,670 |
| Assets per employee ($millions) | 7.1387% | 846 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 5,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 92.7578% | 19 |
| Net loans and leases to deposits | 113.6485% | 173 |
| Net loans and leases to core deposits | 166.6201% | 65 |
| Total domestic deposits to total assets | 81.6181% | 4,299 |
| Equity capital to assets | 10.7023% | 3,135 |
| Core capital (leverage) ratio | 10.5734% | 2,855 |
| Tier 1 risk-based capital ratio | 11.9290% | 5,001 |
| Total risk-based capital ratio | 12.4269% | 5,332 |
| Memoranda: | ||
| Average total assets | $65,714,200 | 5,186 |
| Average earning assets | $61,447,800 | 5,148 |
| Average equity | $6,640,200 | 5,315 |
| Average total loans | $61,510,200 | 4,335 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 621 |
| Cost of funding earning assets | 0.8838% | 312 |
| Net interest margin | 4.1173% | 1,366 |
| Noninterest income to average assets | 0.1090% | 5,921 |
| Noninterest expense to average assets | 2.0358% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.9269% | 405 |
| Return on assets (ROA) | 1.9269% | 424 |
| Pretax return on assets | 1.9269% | 688 |
| Return on Equity (ROE) | 19.3474% | 312 |
| Retained earnings to average equity (ytd only) | 13.7761% | 221 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3747% | 5,689 |
| Assets per employee ($millions) | 7.2942% | 754 |
| Cash dividends to net income (ytd only)* | 28.7960% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 6,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 93.5474% | 11 |
| Net loans and leases to deposits | 120.7187% | 98 |
| Net loans and leases to core deposits | 156.6313% | 83 |
| Total domestic deposits to total assets | 77.4921% | 5,265 |
| Equity capital to assets | 10.4817% | 3,621 |
| Core capital (leverage) ratio | 10.6320% | 2,894 |
| Tier 1 risk-based capital ratio | 11.4975% | 5,376 |
| Total risk-based capital ratio | 11.9770% | 5,723 |
| Memoranda: | ||
| Average total assets | $66,080,750 | 5,239 |
| Average earning assets | $61,851,250 | 5,195 |
| Average equity | $6,581,250 | 5,396 |
| Average total loans | $61,917,250 | 4,366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 615 |
| Cost of funding earning assets | 0.8952% | 300 |
| Net interest margin | 4.0819% | 1,402 |
| Noninterest income to average assets | 0.1117% | 5,984 |
| Noninterest expense to average assets | 1.9570% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9328% | 411 |
| Return on assets (ROA) | 1.9328% | 428 |
| Pretax return on assets | 1.9690% | 634 |
| Return on Equity (ROE) | 19.7490% | 285 |
| Retained earnings to average equity (ytd only) | 15.8918% | 156 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8462% | 5,860 |
| Assets per employee ($millions) | 7.2180% | 759 |
| Cash dividends to net income (ytd only)* | 19.5313% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4732% | 6,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 92.9266% | 15 |
| Net loans and leases to deposits | 111.7700% | 226 |
| Net loans and leases to core deposits | 155.3968% | 90 |
| Total domestic deposits to total assets | 83.1409% | 3,892 |
| Equity capital to assets | 10.3384% | 3,636 |
| Core capital (leverage) ratio | 10.5057% | 2,945 |
| Tier 1 risk-based capital ratio | 11.4563% | 5,493 |
| Total risk-based capital ratio | 11.9458% | 5,785 |
| Memoranda: | ||
| Average total assets | $66,225,000 | 5,294 |
| Average earning assets | $61,883,670 | 5,257 |
| Average equity | $6,481,330 | 5,454 |
| Average total loans | $61,990,000 | 4,404 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 617 |
| Cost of funding earning assets | 0.8968% | 294 |
| Net interest margin | 4.0611% | 1,383 |
| Noninterest income to average assets | 0.0957% | 6,104 |
| Noninterest expense to average assets | 1.9026% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9504% | 371 |
| Return on assets (ROA) | 1.9504% | 391 |
| Pretax return on assets | 1.9863% | 603 |
| Return on Equity (ROE) | 20.4903% | 249 |
| Retained earnings to average equity (ytd only) | 20.4903% | 94 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9231% | 5,976 |
| Assets per employee ($millions) | 7.1766% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 6,194 |
| 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 | 94.4402% | 7 |
| Net loans and leases to deposits | 128.5278% | 37 |
| Net loans and leases to core deposits | 163.8894% | 74 |
| Total domestic deposits to total assets | 73.4785% | 5,944 |
| Equity capital to assets | 10.1054% | 4,008 |
| Core capital (leverage) ratio | 10.0395% | 3,550 |
| Tier 1 risk-based capital ratio | 11.2659% | 5,681 |
| Total risk-based capital ratio | 11.7613% | 5,951 |
| Memoranda: | ||
| Average total assets | $66,856,500 | 5,333 |
| Average earning assets | $62,446,500 | 5,296 |
| Average equity | $6,364,000 | 5,521 |
| Average total loans | $62,658,000 | 4,408 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 592 |
| Cost of funding earning assets | 1.0115% | 221 |
| Net interest margin | 4.1206% | 1,512 |
| Noninterest income to average assets | 0.1254% | 6,066 |
| Noninterest expense to average assets | 2.0565% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8603% | 420 |
| Return on assets (ROA) | 1.8603% | 433 |
| Pretax return on assets | 1.8941% | 653 |
| Return on Equity (ROE) | 19.3673% | 288 |
| Retained earnings to average equity (ytd only) | 9.3237% | 636 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0554% | 5,981 |
| Assets per employee ($millions) | 7.6804% | 610 |
| Cash dividends to net income (ytd only)* | 51.8583% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 6,301 |
| 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 | 92.2169% | 25 |
| Net loans and leases to deposits | 129.9969% | 43 |
| Net loans and leases to core deposits | 152.5122% | 106 |
| Total domestic deposits to total assets | 70.9377% | 6,150 |
| Equity capital to assets | 8.9708% | 5,324 |
| Core capital (leverage) ratio | 9.5129% | 4,222 |
| Tier 1 risk-based capital ratio | 9.9547% | 6,273 |
| Total risk-based capital ratio | 10.4155% | 6,378 |
| Memoranda: | ||
| Average total assets | $62,193,400 | 5,495 |
| Average earning assets | $57,734,000 | 5,466 |
| Average equity | $5,974,000 | 5,628 |
| Average total loans | $57,879,000 | 4,554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 583 |
| Cost of funding earning assets | 1.0483% | 194 |
| Net interest margin | 4.0959% | 1,589 |
| Noninterest income to average assets | 0.1323% | 6,110 |
| Noninterest expense to average assets | 2.1280% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7774% | 531 |
| Return on assets (ROA) | 1.7774% | 546 |
| Pretax return on assets | 1.8127% | 870 |
| Return on Equity (ROE) | 18.1611% | 425 |
| Retained earnings to average equity (ytd only) | 11.7394% | 436 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0011% | 5,824 |
| Assets per employee ($millions) | 7.0398% | 794 |
| Cash dividends to net income (ytd only)* | 35.3597% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4857% | 6,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 92.8170% | 19 |
| Net loans and leases to deposits | 114.2039% | 149 |
| Net loans and leases to core deposits | 132.8882% | 205 |
| Total domestic deposits to total assets | 81.2731% | 4,742 |
| Equity capital to assets | 9.7304% | 4,512 |
| Core capital (leverage) ratio | 10.1306% | 3,494 |
| Tier 1 risk-based capital ratio | 10.7691% | 6,102 |
| Total risk-based capital ratio | 11.2705% | 6,306 |
| Memoranda: | ||
| Average total assets | $60,460,750 | 5,598 |
| Average earning assets | $56,217,500 | 5,572 |
| Average equity | $5,917,250 | 5,694 |
| Average total loans | $56,341,000 | 4,650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 522 |
| Cost of funding earning assets | 1.0791% | 167 |
| Net interest margin | 4.1064% | 1,486 |
| Noninterest income to average assets | 0.1445% | 6,096 |
| Noninterest expense to average assets | 2.1212% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7985% | 493 |
| Return on assets (ROA) | 1.7985% | 509 |
| Pretax return on assets | 1.8354% | 787 |
| Return on Equity (ROE) | 18.3387% | 431 |
| Retained earnings to average equity (ytd only) | 14.5681% | 235 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6109% | 5,943 |
| Assets per employee ($millions) | 6.6068% | 961 |
| Cash dividends to net income (ytd only)* | 20.5607% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5174% | 6,395 |
| Loan loss allowance to noncurrent loans | 9,566.6667% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,250 |
| Noncurrent loans to loans | 0.0054% | 6,079 |
| Net loans and leases to total assets | 92.7970% | 15 |
| Net loans and leases to deposits | 123.5817% | 62 |
| Net loans and leases to core deposits | 147.4953% | 110 |
| Total domestic deposits to total assets | 75.0896% | 6,010 |
| Equity capital to assets | 10.2067% | 3,817 |
| Core capital (leverage) ratio | 10.5548% | 2,882 |
| Tier 1 risk-based capital ratio | 11.3590% | 5,874 |
| Total risk-based capital ratio | 11.8962% | 6,146 |
| Memoranda: | ||
| Average total assets | $59,495,000 | 5,678 |
| Average earning assets | $55,231,000 | 5,651 |
| Average equity | $5,834,670 | 5,753 |
| Average total loans | $55,423,330 | 4,706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 516 |
| Cost of funding earning assets | 1.0800% | 175 |
| Net interest margin | 4.0882% | 1,496 |
| Noninterest income to average assets | 0.1143% | 6,283 |
| Noninterest expense to average assets | 2.1374% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7274% | 544 |
| Return on assets (ROA) | 1.7274% | 564 |
| Pretax return on assets | 1.7677% | 843 |
| Return on Equity (ROE) | 17.9799% | 444 |
| Retained earnings to average equity (ytd only) | 10.2842% | 902 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7332% | 5,949 |
| Assets per employee ($millions) | 5.8601% | 1,405 |
| Cash dividends to net income (ytd only)* | 42.8016% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5277% | 6,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 92.3192% | 11 |
| Net loans and leases to deposits | 132.6013% | 34 |
| Net loans and leases to core deposits | 161.2134% | 70 |
| Total domestic deposits to total assets | 69.6217% | 6,461 |
| Equity capital to assets | 9.8821% | 3,978 |
| Core capital (leverage) ratio | 9.9404% | 3,646 |
| Tier 1 risk-based capital ratio | 10.9145% | 6,184 |
| Total risk-based capital ratio | 11.4554% | 6,390 |
| Memoranda: | ||
| Average total assets | $59,512,000 | 5,726 |
| Average earning assets | $55,183,500 | 5,696 |
| Average equity | $5,717,500 | 5,814 |
| Average total loans | $55,402,500 | 4,747 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 526 |
| Cost of funding earning assets | 1.2175% | 158 |
| Net interest margin | 4.0836% | 1,696 |
| Noninterest income to average assets | 0.1595% | 6,133 |
| Noninterest expense to average assets | 2.2761% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6148% | 667 |
| Return on assets (ROA) | 1.6148% | 686 |
| Pretax return on assets | 1.6524% | 1,047 |
| Return on Equity (ROE) | 16.1783% | 603 |
| Retained earnings to average equity (ytd only) | 5.4945% | 2,280 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9380% | 5,745 |
| Assets per employee ($millions) | 6.0423% | 1,249 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 6,566 |
| 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 | 92.8967% | 13 |
| Net loans and leases to deposits | 131.5683% | 32 |
| Net loans and leases to core deposits | 153.0623% | 87 |
| Total domestic deposits to total assets | 70.6072% | 6,497 |
| Equity capital to assets | 9.3408% | 4,633 |
| Core capital (leverage) ratio | 9.5968% | 4,119 |
| Tier 1 risk-based capital ratio | 10.2959% | 6,435 |
| Total risk-based capital ratio | 10.8194% | 6,576 |
| Memoranda: | ||
| Average total assets | $55,796,400 | 5,879 |
| Average earning assets | $51,498,600 | 5,846 |
| Average equity | $5,569,200 | 5,912 |
| Average total loans | $51,031,400 | 4,929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3100% | 522 |
| Cost of funding earning assets | 1.2612% | 149 |
| Net interest margin | 4.0487% | 1,791 |
| Noninterest income to average assets | 0.1611% | 6,220 |
| Noninterest expense to average assets | 2.3279% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5227% | 866 |
| Return on assets (ROA) | 1.5227% | 908 |
| Pretax return on assets | 1.5617% | 1,441 |
| Return on Equity (ROE) | 14.9893% | 798 |
| Retained earnings to average equity (ytd only) | 7.9031% | 1,450 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8494% | 5,462 |
| Assets per employee ($millions) | 5.9096% | 1,304 |
| Cash dividends to net income (ytd only)* | 47.2752% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5484% | 6,617 |
| Loan loss allowance to noncurrent loans | 2,870.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,448 |
| Noncurrent loans to loans | 0.0191% | 6,296 |
| Net loans and leases to total assets | 88.0787% | 85 |
| Net loans and leases to deposits | 105.6337% | 250 |
| Net loans and leases to core deposits | 120.2518% | 317 |
| Total domestic deposits to total assets | 83.3813% | 4,424 |
| Equity capital to assets | 9.5895% | 4,434 |
| Core capital (leverage) ratio | 10.2084% | 3,391 |
| Tier 1 risk-based capital ratio | 11.0367% | 6,263 |
| Total risk-based capital ratio | 11.5956% | 6,460 |
| Memoranda: | ||
| Average total assets | $54,639,750 | 5,970 |
| Average earning assets | $50,319,250 | 5,948 |
| Average equity | $5,550,500 | 5,987 |
| Average total loans | $49,684,750 | 5,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 420 |
| Cost of funding earning assets | 1.3296% | 123 |
| Net interest margin | 4.1041% | 1,529 |
| Noninterest income to average assets | 0.1731% | 6,169 |
| Noninterest expense to average assets | 2.3404% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5427% | 829 |
| Return on assets (ROA) | 1.5427% | 897 |
| Pretax return on assets | 1.5841% | 1,412 |
| Return on Equity (ROE) | 14.8775% | 827 |
| Retained earnings to average equity (ytd only) | 11.7932% | 528 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6357% | 5,523 |
| Assets per employee ($millions) | 5.3433% | 1,749 |
| Cash dividends to net income (ytd only)* | 20.7317% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5774% | 6,638 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,513 |
| Noncurrent loans to loans | 0.0141% | 6,390 |
| Net loans and leases to total assets | 92.4840% | 15 |
| Net loans and leases to deposits | 127.1962% | 47 |
| Net loans and leases to core deposits | 150.3865% | 94 |
| Total domestic deposits to total assets | 72.7097% | 6,518 |
| Equity capital to assets | 10.5983% | 3,175 |
| Core capital (leverage) ratio | 10.9307% | 2,424 |
| Tier 1 risk-based capital ratio | 11.6838% | 6,004 |
| Total risk-based capital ratio | 12.2759% | 6,300 |
| Memoranda: | ||
| Average total assets | $53,154,330 | 6,047 |
| Average earning assets | $48,585,000 | 6,030 |
| Average equity | $5,511,670 | 6,038 |
| Average total loans | $48,800,330 | 5,074 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 399 |
| Cost of funding earning assets | 1.3801% | 109 |
| Net interest margin | 4.0655% | 1,571 |
| Noninterest income to average assets | 0.1509% | 6,349 |
| Noninterest expense to average assets | 2.3088% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4788% | 896 |
| Return on assets (ROA) | 1.4788% | 974 |
| Pretax return on assets | 1.5316% | 1,481 |
| Return on Equity (ROE) | 14.4224% | 877 |
| Retained earnings to average equity (ytd only) | 14.4224% | 407 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1179% | 5,573 |
| Assets per employee ($millions) | 5.1728% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5954% | 6,712 |
| Loan loss allowance to noncurrent loans | 14,350.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,631 |
| Noncurrent loans to loans | 0.0041% | 6,508 |
| Net loans and leases to total assets | 92.6307% | 14 |
| Net loans and leases to deposits | 115.2908% | 89 |
| Net loans and leases to core deposits | 134.7052% | 150 |
| Total domestic deposits to total assets | 80.3453% | 5,678 |
| Equity capital to assets | 10.6983% | 3,320 |
| Core capital (leverage) ratio | 10.7513% | 2,495 |
| Tier 1 risk-based capital ratio | 11.7938% | 6,031 |
| Total risk-based capital ratio | 12.4054% | 6,317 |
| Memoranda: | ||
| Average total assets | $53,015,000 | 6,102 |
| Average earning assets | $48,112,000 | 6,095 |
| Average equity | $5,436,000 | 6,130 |
| Average total loans | $48,348,500 | 5,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9477% | 287 |
| Cost of funding earning assets | 1.5445% | 138 |
| Net interest margin | 4.4031% | 1,156 |
| Noninterest income to average assets | 0.2174% | 5,875 |
| Noninterest expense to average assets | 2.4298% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7175% | 595 |
| Return on assets (ROA) | 1.7175% | 670 |
| Pretax return on assets | 1.7544% | 1,015 |
| Return on Equity (ROE) | 16.9625% | 542 |
| Retained earnings to average equity (ytd only) | 5.4625% | 2,405 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0705% | 5,819 |
| Assets per employee ($millions) | 5.4302% | 1,752 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5918% | 6,767 |
| Loan loss allowance to noncurrent loans | 9,566.6667% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,684 |
| Noncurrent loans to loans | 0.0062% | 6,563 |
| Net loans and leases to total assets | 88.7757% | 72 |
| Net loans and leases to deposits | 111.2042% | 143 |
| Net loans and leases to core deposits | 129.0268% | 194 |
| Total domestic deposits to total assets | 79.8313% | 5,709 |
| Equity capital to assets | 9.8302% | 4,409 |
| Core capital (leverage) ratio | 10.0592% | 3,331 |
| Tier 1 risk-based capital ratio | 11.2009% | 6,273 |
| Total risk-based capital ratio | 11.8031% | 6,502 |
| Memoranda: | ||
| Average total assets | $51,527,000 | 6,164 |
| Average earning assets | $46,421,600 | 6,169 |
| Average equity | $5,217,400 | 6,235 |
| Average total loans | $46,159,000 | 5,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9928% | 285 |
| Cost of funding earning assets | 1.5751% | 143 |
| Net interest margin | 4.4177% | 1,165 |
| Noninterest income to average assets | 0.4302% | 4,413 |
| Noninterest expense to average assets | 2.4996% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8937% | 460 |
| Return on assets (ROA) | 1.8937% | 536 |
| Pretax return on assets | 1.9252% | 824 |
| Return on Equity (ROE) | 18.5578% | 437 |
| Retained earnings to average equity (ytd only) | 10.8468% | 707 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4908% | 5,994 |
| Assets per employee ($millions) | 5.6499% | 1,500 |
| Cash dividends to net income (ytd only)* | 41.5514% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 6,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 82.9590% | 280 |
| Net loans and leases to deposits | 102.1310% | 340 |
| Net loans and leases to core deposits | 117.4565% | 357 |
| Total domestic deposits to total assets | 81.2280% | 5,290 |
| Equity capital to assets | 9.4780% | 5,235 |
| Core capital (leverage) ratio | 10.4126% | 3,022 |
| Tier 1 risk-based capital ratio | 11.4320% | 6,264 |
| Total risk-based capital ratio | 12.0447% | 6,541 |
| Memoranda: | ||
| Average total assets | $50,833,250 | 6,259 |
| Average earning assets | $45,965,500 | 6,254 |
| Average equity | $5,187,250 | 6,313 |
| Average total loans | $45,575,250 | 5,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2518% | 201 |
| Cost of funding earning assets | 1.6321% | 134 |
| Net interest margin | 4.6197% | 794 |
| Noninterest income to average assets | 0.5476% | 3,592 |
| Noninterest expense to average assets | 2.5294% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2188% | 276 |
| Return on assets (ROA) | 2.2188% | 314 |
| Pretax return on assets | 2.2515% | 452 |
| Return on Equity (ROE) | 21.1641% | 284 |
| Retained earnings to average equity (ytd only) | 14.3433% | 320 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9060% | 6,430 |
| Assets per employee ($millions) | 4.7685% | 2,484 |
| Cash dividends to net income (ytd only)* | 32.2284% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6503% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 91.9493% | 22 |
| Net loans and leases to deposits | 118.3108% | 80 |
| Net loans and leases to core deposits | 141.1019% | 143 |
| Total domestic deposits to total assets | 77.7184% | 6,211 |
| Equity capital to assets | 11.1167% | 2,996 |
| Core capital (leverage) ratio | 10.7900% | 2,489 |
| Tier 1 risk-based capital ratio | 12.4823% | 5,573 |
| Total risk-based capital ratio | 13.1581% | 5,958 |
| Memoranda: | ||
| Average total assets | $48,944,670 | 6,354 |
| Average earning assets | $44,851,000 | 6,317 |
| Average equity | $5,131,330 | 6,358 |
| Average total loans | $45,047,670 | 5,379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 222 |
| Cost of funding earning assets | 1.6421% | 157 |
| Net interest margin | 4.5998% | 826 |
| Noninterest income to average assets | 0.1936% | 6,225 |
| Noninterest expense to average assets | 2.5416% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8235% | 575 |
| Return on assets (ROA) | 1.8235% | 647 |
| Pretax return on assets | 1.8558% | 962 |
| Return on Equity (ROE) | 17.9134% | 560 |
| Retained earnings to average equity (ytd only) | 17.9134% | 261 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7982% | 5,941 |
| Assets per employee ($millions) | 4.8899% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 6,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 92.9753% | 15 |
| Net loans and leases to deposits | 118.3188% | 82 |
| Net loans and leases to core deposits | 140.1480% | 146 |
| Total domestic deposits to total assets | 78.5803% | 6,169 |
| Equity capital to assets | 10.5524% | 3,424 |
| Core capital (leverage) ratio | 10.4899% | 2,762 |
| Tier 1 risk-based capital ratio | 11.8224% | 6,069 |
| Total risk-based capital ratio | 12.4800% | 6,408 |
| Memoranda: | ||
| Average total assets | $49,574,500 | 6,381 |
| Average earning assets | $45,306,500 | 6,355 |
| Average equity | $5,046,500 | 6,414 |
| Average total loans | $45,505,000 | 5,392 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5735% | 164 |
| Cost of funding earning assets | 1.8854% | 160 |
| Net interest margin | 4.6881% | 773 |
| Noninterest income to average assets | 0.2132% | 5,992 |
| Noninterest expense to average assets | 2.5446% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6937% | 556 |
| Return on assets (ROA) | 1.6937% | 591 |
| Pretax return on assets | 1.9552% | 583 |
| Return on Equity (ROE) | 17.4125% | 434 |
| Retained earnings to average equity (ytd only) | 9.1405% | 765 |
| Net charge-offs to loans | -0.0197% | 6,955 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5489% | 6,242 |
| Assets per employee ($millions) | 5.0250% | 2,163 |
| Cash dividends to net income (ytd only)* | 47.5059% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6341% | 6,980 |
| Loan loss allowance to noncurrent loans | 9,566.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 6,982 |
| Noncurrent loans to loans | 0.0066% | 6,846 |
| Net loans and leases to total assets | 89.4965% | 47 |
| Net loans and leases to deposits | 122.3462% | 76 |
| Net loans and leases to core deposits | 146.1506% | 146 |
| Total domestic deposits to total assets | 73.1502% | 6,795 |
| Equity capital to assets | 9.8169% | 4,422 |
| Core capital (leverage) ratio | 9.6771% | 3,765 |
| Tier 1 risk-based capital ratio | 11.3855% | 6,234 |
| Total risk-based capital ratio | 12.0479% | 6,542 |
| Memoranda: | ||
| Average total assets | $49,714,000 | 6,376 |
| Average earning assets | $45,455,400 | 6,345 |
| Average equity | $4,835,600 | 6,499 |
| Average total loans | $45,596,200 | 5,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5982% | 166 |
| Cost of funding earning assets | 1.9320% | 153 |
| Net interest margin | 4.6662% | 820 |
| Noninterest income to average assets | 0.2178% | 6,050 |
| Noninterest expense to average assets | 2.5520% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9524% | 377 |
| Return on assets (ROA) | 1.9524% | 416 |
| Pretax return on assets | 1.9524% | 686 |
| Return on Equity (ROE) | 20.1191% | 302 |
| Retained earnings to average equity (ytd only) | 15.9622% | 182 |
| Net charge-offs to loans | -0.0263% | 6,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6567% | 6,187 |
| Assets per employee ($millions) | 5.2895% | 1,827 |
| Cash dividends to net income (ytd only)* | 20.6616% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 7,086 |
| Loan loss allowance to noncurrent loans | 4,100.0000% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,033 |
| Noncurrent loans to loans | 0.0146% | 6,912 |
| Net loans and leases to total assets | 90.2127% | 40 |
| Net loans and leases to deposits | 113.7470% | 137 |
| Net loans and leases to core deposits | 131.7886% | 226 |
| Total domestic deposits to total assets | 79.3100% | 5,916 |
| Equity capital to assets | 9.5794% | 4,961 |
| Core capital (leverage) ratio | 10.3313% | 3,059 |
| Tier 1 risk-based capital ratio | 11.0397% | 6,519 |
| Total risk-based capital ratio | 11.6650% | 6,797 |
| Memoranda: | ||
| Average total assets | $49,580,000 | 6,432 |
| Average earning assets | $45,546,750 | 6,400 |
| Average equity | $4,811,250 | 6,557 |
| Average total loans | $45,680,500 | 5,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7961% | 142 |
| Cost of funding earning assets | 1.8970% | 209 |
| Net interest margin | 4.8991% | 492 |
| Noninterest income to average assets | 0.1980% | 6,254 |
| Noninterest expense to average assets | 2.5828% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1331% | 287 |
| Return on assets (ROA) | 2.1331% | 294 |
| Pretax return on assets | 2.1331% | 461 |
| Return on Equity (ROE) | 21.8790% | 240 |
| Retained earnings to average equity (ytd only) | 17.6471% | 146 |
| Net charge-offs to loans | -0.0401% | 6,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7682% | 6,538 |
| Assets per employee ($millions) | 4.8276% | 2,371 |
| Cash dividends to net income (ytd only)* | 19.3424% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 7,097 |
| Loan loss allowance to noncurrent loans | 4,783.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,087 |
| Noncurrent loans to loans | 0.0133% | 6,975 |
| Net loans and leases to total assets | 92.8142% | 15 |
| Net loans and leases to deposits | 128.7557% | 57 |
| Net loans and leases to core deposits | 154.1455% | 133 |
| Total domestic deposits to total assets | 72.0855% | 6,998 |
| Equity capital to assets | 10.1665% | 3,924 |
| Core capital (leverage) ratio | 10.2282% | 3,005 |
| Tier 1 risk-based capital ratio | 11.4759% | 6,183 |
| Total risk-based capital ratio | 12.1469% | 6,570 |
| Memoranda: | ||
| Average total assets | $48,475,000 | 6,527 |
| Average earning assets | $44,702,000 | 6,485 |
| Average equity | $4,726,000 | 6,618 |
| Average total loans | $44,905,670 | 5,566 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9490% | 118 |
| Cost of funding earning assets | 1.8919% | 258 |
| Net interest margin | 5.0570% | 337 |
| Noninterest income to average assets | 0.1894% | 6,368 |
| Noninterest expense to average assets | 2.4704% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.3634% | 207 |
| Return on assets (ROA) | 2.3634% | 214 |
| Pretax return on assets | 2.3634% | 303 |
| Return on Equity (ROE) | 24.7681% | 173 |
| Retained earnings to average equity (ytd only) | 24.7681% | 103 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1073% | 6,909 |
| Assets per employee ($millions) | 4.9026% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 7,194 |
| Loan loss allowance to noncurrent loans | 1,985.7143% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 7,101 |
| Noncurrent loans to loans | 0.0305% | 6,983 |
| Net loans and leases to total assets | 92.9119% | 15 |
| Net loans and leases to deposits | 133.9381% | 49 |
| Net loans and leases to core deposits | 158.8360% | 131 |
| Total domestic deposits to total assets | 69.3693% | 7,209 |
| Equity capital to assets | 9.7479% | 4,110 |
| Core capital (leverage) ratio | 9.8674% | 3,316 |
| Tier 1 risk-based capital ratio | 10.9187% | 6,557 |
| Total risk-based capital ratio | 11.5538% | 6,886 |
| Memoranda: | ||
| Average total assets | $48,574,500 | 6,570 |
| Average earning assets | $44,611,000 | 6,540 |
| Average equity | $4,635,000 | 6,673 |
| Average total loans | $44,811,500 | 5,621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0164% | 146 |
| Cost of funding earning assets | 2.0047% | 597 |
| Net interest margin | 5.0117% | 419 |
| Noninterest income to average assets | 0.2353% | 6,117 |
| Noninterest expense to average assets | 2.6446% | 5,243 |
| Loan and lease loss provision to assets | 0.1852% | 5,380 |
| Net operating income to assets | 1.7710% | 447 |
| Return on assets (ROA) | 1.7710% | 486 |
| Pretax return on assets | 2.0455% | 441 |
| Return on Equity (ROE) | 19.0220% | 312 |
| Retained earnings to average equity (ytd only) | 13.1727% | 201 |
| Net charge-offs to loans | 0.1947% | 5,129 |
| Credit loss provision to net charge-offs | 102.4096% | 4,416 |
| Earnings coverage of net charge-offs (x) | 12.3373% | 1,518 |
| Efficiency ratio | 54.2449% | 6,783 |
| Assets per employee ($millions) | 5.3470% | 1,717 |
| Cash dividends to net income (ytd only)* | 30.7503% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6348% | 7,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 90.4266% | 52 |
| Net loans and leases to deposits | 135.4499% | 55 |
| Net loans and leases to core deposits | 159.5688% | 144 |
| Total domestic deposits to total assets | 66.7602% | 7,367 |
| Equity capital to assets | 9.3323% | 4,645 |
| Core capital (leverage) ratio | 9.4025% | 3,844 |
| Tier 1 risk-based capital ratio | 10.4962% | 6,706 |
| Total risk-based capital ratio | 11.1459% | 7,013 |
| Memoranda: | ||
| Average total assets | $45,905,000 | 6,666 |
| Average earning assets | $42,500,400 | 6,626 |
| Average equity | $4,274,000 | 6,895 |
| Average total loans | $42,624,800 | 5,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9965% | 147 |
| Cost of funding earning assets | 2.0206% | 709 |
| Net interest margin | 4.9759% | 462 |
| Noninterest income to average assets | 0.2470% | 6,129 |
| Noninterest expense to average assets | 2.5372% | 5,575 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.9051% | 399 |
| Return on assets (ROA) | 1.9051% | 444 |
| Pretax return on assets | 2.3432% | 308 |
| Return on Equity (ROE) | 20.4747% | 286 |
| Retained earnings to average equity (ytd only) | 20.4747% | 74 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9880% | 6,973 |
| Assets per employee ($millions) | 4.7484% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 7,318 |
| Loan loss allowance to noncurrent loans | 306.6667% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 6,891 |
| Noncurrent loans to loans | 0.2033% | 6,772 |
| Net loans and leases to total assets | 92.6628% | 20 |
| Net loans and leases to deposits | 139.1128% | 46 |
| Net loans and leases to core deposits | 160.5371% | 145 |
| Total domestic deposits to total assets | 66.6098% | 7,449 |
| Equity capital to assets | 9.6369% | 4,643 |
| Core capital (leverage) ratio | 9.7632% | 3,533 |
| Tier 1 risk-based capital ratio | 10.7499% | 6,588 |
| Total risk-based capital ratio | 11.3982% | 6,969 |
| Memoranda: | ||
| Average total assets | $45,350,500 | 6,770 |
| Average earning assets | $42,229,500 | 6,715 |
| Average equity | $4,219,750 | 7,000 |
| Average total loans | $42,332,500 | 5,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0136% | 154 |
| Cost of funding earning assets | 2.0492% | 771 |
| Net interest margin | 4.9644% | 456 |
| Noninterest income to average assets | 0.2509% | 6,117 |
| Noninterest expense to average assets | 2.5628% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6443% | 658 |
| Return on assets (ROA) | 1.6443% | 702 |
| Pretax return on assets | 2.3119% | 330 |
| Return on Equity (ROE) | 17.8981% | 469 |
| Retained earnings to average equity (ytd only) | 17.8981% | 130 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5735% | 7,021 |
| Assets per employee ($millions) | 4.5402% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 7,332 |
| Loan loss allowance to noncurrent loans | 300.0000% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 6,893 |
| Noncurrent loans to loans | 0.2172% | 6,809 |
| Net loans and leases to total assets | 92.7074% | 23 |
| Net loans and leases to deposits | 138.9876% | 51 |
| Net loans and leases to core deposits | 158.9299% | 169 |
| Total domestic deposits to total assets | 66.7019% | 7,501 |
| Equity capital to assets | 9.4599% | 4,767 |
| Core capital (leverage) ratio | 9.2953% | 4,128 |
| Tier 1 risk-based capital ratio | 10.5541% | 6,645 |
| Total risk-based capital ratio | 11.2299% | 7,016 |
| Memoranda: | ||
| Average total assets | $44,639,330 | 6,845 |
| Average earning assets | $41,576,330 | 6,792 |
| Average equity | $4,101,000 | 7,080 |
| Average total loans | $41,684,670 | 5,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9380% | 189 |
| Cost of funding earning assets | 2.0252% | 1,013 |
| Net interest margin | 4.9128% | 501 |
| Noninterest income to average assets | 0.2711% | 5,991 |
| Noninterest expense to average assets | 2.7385% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3738% | 1,136 |
| Return on assets (ROA) | 1.3738% | 1,208 |
| Pretax return on assets | 2.1149% | 491 |
| Return on Equity (ROE) | 15.1848% | 842 |
| Retained earnings to average equity (ytd only) | 15.1848% | 396 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4246% | 6,711 |
| Assets per employee ($millions) | 4.4987% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6493% | 7,430 |
| Loan loss allowance to noncurrent loans | 296.7742% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 6,945 |
| Noncurrent loans to loans | 0.2188% | 6,897 |
| Net loans and leases to total assets | 93.8805% | 16 |
| Net loans and leases to deposits | 138.5584% | 58 |
| Net loans and leases to core deposits | 154.8110% | 212 |
| Total domestic deposits to total assets | 67.7551% | 7,541 |
| Equity capital to assets | 9.0693% | 5,174 |
| Core capital (leverage) ratio | 9.0889% | 4,397 |
| Tier 1 risk-based capital ratio | 10.0147% | 7,027 |
| Total risk-based capital ratio | 10.6922% | 7,332 |
| Memoranda: | ||
| Average total assets | $44,258,000 | 6,940 |
| Average earning assets | $41,280,000 | 6,888 |
| Average equity | $4,004,000 | 7,190 |
| Average total loans | $41,343,500 | 6,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9918% | 287 |
| Cost of funding earning assets | 2.4626% | 1,113 |
| Net interest margin | 4.5293% | 1,115 |
| Noninterest income to average assets | 0.2353% | 6,419 |
| Noninterest expense to average assets | 2.8404% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9954% | 1,859 |
| Return on assets (ROA) | 0.9954% | 1,905 |
| Pretax return on assets | 1.5414% | 1,090 |
| Return on Equity (ROE) | 11.4715% | 1,302 |
| Retained earnings to average equity (ytd only) | 11.4715% | 251 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8228% | 5,612 |
| Assets per employee ($millions) | 4.3529% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 7,400 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,911 |
| Noncurrent loans to loans | 0.2389% | 6,834 |
| Net loans and leases to total assets | 91.6653% | 43 |
| Net loans and leases to deposits | 138.1805% | 66 |
| Net loans and leases to core deposits | 162.3708% | 315 |
| Total domestic deposits to total assets | 66.3374% | 7,628 |
| Equity capital to assets | 9.0239% | 5,108 |
| Core capital (leverage) ratio | 8.9188% | 4,562 |
| Tier 1 risk-based capital ratio | 10.1428% | 6,750 |
| Total risk-based capital ratio | 10.8555% | 7,137 |
| Memoranda: | ||
| Average total assets | $42,494,000 | 7,013 |
| Average earning assets | $38,902,600 | 6,986 |
| Average equity | $3,687,400 | 7,391 |
| Average total loans | $38,554,800 | 6,175 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9456% | 330 |
| Cost of funding earning assets | 2.5363% | 1,187 |
| Net interest margin | 4.4092% | 1,418 |
| Noninterest income to average assets | 0.2273% | 6,601 |
| Noninterest expense to average assets | 2.9295% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8523% | 2,604 |
| Return on assets (ROA) | 0.8523% | 2,669 |
| Pretax return on assets | 1.3259% | 1,889 |
| Return on Equity (ROE) | 9.9246% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.9246% | 652 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8427% | 4,819 |
| Assets per employee ($millions) | 4.4309% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,421 |
| Loan loss allowance to noncurrent loans | 150.8197% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 6,421 |
| Noncurrent loans to loans | 0.4489% | 6,425 |
| Net loans and leases to total assets | 91.3855% | 71 |
| Net loans and leases to deposits | 126.4466% | 132 |
| Net loans and leases to core deposits | 146.5243% | 669 |
| Total domestic deposits to total assets | 72.2720% | 7,177 |
| Equity capital to assets | 8.5197% | 6,228 |
| Core capital (leverage) ratio | 8.5655% | 5,361 |
| Tier 1 risk-based capital ratio | 9.6996% | 7,239 |
| Total risk-based capital ratio | 10.4088% | 7,561 |
| Memoranda: | ||
| Average total assets | $42,235,250 | 7,070 |
| Average earning assets | $38,584,750 | 7,049 |
| Average equity | $3,627,250 | 7,470 |
| Average total loans | $38,149,250 | 6,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8328% | 424 |
| Cost of funding earning assets | 2.6100% | 1,259 |
| Net interest margin | 4.2227% | 1,906 |
| Noninterest income to average assets | 0.2263% | 6,674 |
| Noninterest expense to average assets | 2.8981% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7318% | 3,129 |
| Return on assets (ROA) | 0.7318% | 3,232 |
| Pretax return on assets | 1.1602% | 2,429 |
| Return on Equity (ROE) | 8.4964% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.4964% | 1,069 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4116% | 4,524 |
| Assets per employee ($millions) | 4.2902% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 7,428 |
| Loan loss allowance to noncurrent loans | 198.5612% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 6,657 |
| Noncurrent loans to loans | 0.3522% | 6,628 |
| Net loans and leases to total assets | 91.3407% | 79 |
| Net loans and leases to deposits | 137.0462% | 89 |
| Net loans and leases to core deposits | 161.8161% | 425 |
| Total domestic deposits to total assets | 66.6496% | 7,702 |
| Equity capital to assets | 8.5241% | 6,012 |
| Core capital (leverage) ratio | 8.9999% | 4,631 |
| Tier 1 risk-based capital ratio | 9.7106% | 7,223 |
| Total risk-based capital ratio | 10.4434% | 7,598 |
| Memoranda: | ||
| Average total assets | $41,544,000 | 7,150 |
| Average earning assets | $37,700,670 | 7,143 |
| Average equity | $3,578,000 | 7,545 |
| Average total loans | $37,276,330 | 6,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9219% | 393 |
| Cost of funding earning assets | 2.7513% | 1,110 |
| Net interest margin | 4.1706% | 2,008 |
| Noninterest income to average assets | 0.1860% | 6,962 |
| Noninterest expense to average assets | 2.8386% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6558% | 3,773 |
| Return on assets (ROA) | 0.6558% | 3,955 |
| Pretax return on assets | 1.0865% | 3,038 |
| Return on Equity (ROE) | 7.5738% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.5738% | 1,993 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3192% | 4,133 |
| Assets per employee ($millions) | 3.9803% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 7,234 |
| Loan loss allowance to noncurrent loans | 193.0070% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 6,429 |
| Noncurrent loans to loans | 0.4036% | 6,406 |
| Net loans and leases to total assets | 88.3225% | 241 |
| Net loans and leases to deposits | 128.4764% | 156 |
| Net loans and leases to core deposits | 142.2934% | 997 |
| Total domestic deposits to total assets | 68.7461% | 7,540 |
| Equity capital to assets | 8.9742% | 5,387 |
| Core capital (leverage) ratio | 8.8237% | 4,942 |
| Tier 1 risk-based capital ratio | 10.0059% | 6,916 |
| Total risk-based capital ratio | 10.7790% | 7,341 |
| Memoranda: | ||
| Average total assets | $40,865,000 | 7,209 |
| Average earning assets | $36,637,500 | 7,238 |
| Average equity | $3,538,500 | 7,614 |
| Average total loans | $36,183,000 | 6,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5580% | 369 |
| Cost of funding earning assets | 3.2149% | 1,147 |
| Net interest margin | 4.3431% | 1,845 |
| Noninterest income to average assets | 0.2294% | 6,793 |
| Noninterest expense to average assets | 2.5648% | 5,774 |
| Loan and lease loss provision to assets | 0.0121% | 7,218 |
| Net operating income to assets | 1.0457% | 2,377 |
| Return on assets (ROA) | 1.0457% | 2,269 |
| Pretax return on assets | 1.6132% | 1,346 |
| Return on Equity (ROE) | 12.1092% | 1,565 |
| Retained earnings to average equity (ytd only) | 2.3212% | 3,755 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2104% | 6,123 |
| Assets per employee ($millions) | 4.1927% | 3,129 |
| Cash dividends to net income (ytd only)* | 80.8314% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 7,300 |
| Loan loss allowance to noncurrent loans | 190.3448% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,213 |
| Noncurrent loans to loans | 0.3926% | 6,165 |
| Net loans and leases to total assets | 87.4353% | 420 |
| Net loans and leases to deposits | 130.0749% | 211 |
| Net loans and leases to core deposits | 144.6971% | 1,067 |
| Total domestic deposits to total assets | 67.2192% | 7,549 |
| Equity capital to assets | 8.3598% | 6,327 |
| Core capital (leverage) ratio | 8.2595% | 6,034 |
| Tier 1 risk-based capital ratio | 9.7681% | 6,992 |
| Total risk-based capital ratio | 10.5373% | 7,459 |
| Memoranda: | ||
| Average total assets | $41,407,200 | 7,151 |
| Average earning assets | $37,761,200 | 7,157 |
| Average equity | $3,575,800 | 7,654 |
| Average total loans | $37,240,600 | 6,303 |