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 | 5.4607% | 2,178 |
| Cost of funding earning assets | 0.9707% | 4,021 |
| Net interest margin | 4.4901% | 636 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.7729% | 1,567 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.2716% | 1,539 |
| Return on assets (ROA) | 1.2716% | 1,537 |
| Pretax return on assets | 1.6062% | 1,292 |
| Return on Equity (ROE) | 8.8800% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.1021% | 1,663 |
| Net charge-offs to loans | 0.0080% | 1,952 |
| Credit loss provision to net charge-offs | -2,050.0000% | 4,463 |
| Earnings coverage of net charge-offs (x) | 382.5000% | 247 |
| Efficiency ratio | 61.9024% | 2,722 |
| Assets per employee ($millions) | 4.7060% | 3,824 |
| Cash dividends to net income (ytd only)* | 8.7719% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 770 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 53.1200% | 3,404 |
| Net loans and leases to deposits | 62.4132% | 3,355 |
| Net loans and leases to core deposits | 65.5119% | 3,489 |
| Total domestic deposits to total assets | 85.1200% | 2,588 |
| Equity capital to assets | 14.2698% | 660 |
| Core capital (leverage) ratio | 15.0241% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $179,304,000 | 3,162 |
| Average earning assets | $164,007,000 | 3,174 |
| Average equity | $25,672,500 | 2,657 |
| Average total loans | $99,882,000 | 3,219 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 2,071 |
| Cost of funding earning assets | 1.0379% | 4,001 |
| Net interest margin | 4.4928% | 659 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.8861% | 1,339 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.2024% | 1,485 |
| Return on assets (ROA) | 1.2028% | 1,495 |
| Pretax return on assets | 1.5386% | 1,213 |
| Return on Equity (ROE) | 10.3100% | 2,061 |
| Retained earnings to average equity (ytd only) | 5.9115% | 1,859 |
| Net charge-offs to loans | 0.0020% | 2,953 |
| Credit loss provision to net charge-offs | 9,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,345.0000% | 87 |
| Efficiency ratio | 63.6486% | 2,760 |
| Assets per employee ($millions) | 4.6072% | 3,875 |
| Cash dividends to net income (ytd only)* | 42.6898% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 723 |
| Loan loss allowance to noncurrent loans | 410.3960% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,349 |
| Noncurrent loans to loans | 0.4014% | 2,080 |
| Net loans and leases to total assets | 56.5400% | 3,223 |
| Net loans and leases to deposits | 66.5864% | 3,165 |
| Net loans and leases to core deposits | 69.9156% | 3,363 |
| Total domestic deposits to total assets | 84.9100% | 2,562 |
| Equity capital to assets | 14.3682% | 629 |
| Core capital (leverage) ratio | 14.9365% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9078% | 312 |
| Memoranda: | ||
| Average total assets | $163,197,400 | 3,256 |
| Average earning assets | $149,727,600 | 3,257 |
| Average equity | $19,030,800 | 3,037 |
| Average total loans | $99,001,600 | 3,217 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 2,092 |
| Cost of funding earning assets | 1.0519% | 3,991 |
| Net interest margin | 4.4427% | 678 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 2.8966% | 1,268 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.1592% | 1,605 |
| Return on assets (ROA) | 1.1592% | 1,608 |
| Pretax return on assets | 1.4804% | 1,344 |
| Return on Equity (ROE) | 10.6100% | 2,019 |
| Retained earnings to average equity (ytd only) | 4.2285% | 2,751 |
| Net charge-offs to loans | 0.0081% | 2,359 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 363 |
| Efficiency ratio | 64.5227% | 2,655 |
| Assets per employee ($millions) | 4.6430% | 3,868 |
| Cash dividends to net income (ytd only)* | 60.1579% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 777 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 56.3700% | 3,233 |
| Net loans and leases to deposits | 66.6288% | 3,207 |
| Net loans and leases to core deposits | 70.3598% | 3,371 |
| Total domestic deposits to total assets | 84.6000% | 2,418 |
| Equity capital to assets | 14.7131% | 614 |
| Core capital (leverage) ratio | 15.3426% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0444% | 339 |
| Memoranda: | ||
| Average total assets | $160,228,250 | 3,276 |
| Average earning assets | $146,902,500 | 3,278 |
| Average equity | $17,499,750 | 3,143 |
| Average total loans | $98,590,000 | 3,224 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 2,054 |
| Cost of funding earning assets | 1.0537% | 3,957 |
| Net interest margin | 4.4003% | 704 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8739% | 1,312 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1536% | 1,590 |
| Return on assets (ROA) | 1.1536% | 1,587 |
| Pretax return on assets | 1.4606% | 1,352 |
| Return on Equity (ROE) | 12.1000% | 1,593 |
| Retained earnings to average equity (ytd only) | 2.2002% | 3,286 |
| Net charge-offs to loans | 0.0122% | 1,976 |
| Credit loss provision to net charge-offs | 1,500.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 205.3333% | 481 |
| Efficiency ratio | 64.5875% | 2,691 |
| Assets per employee ($millions) | 4.4940% | 3,917 |
| Cash dividends to net income (ytd only)* | 81.8182% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 909 |
| Loan loss allowance to noncurrent loans | 2,407.6923% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,400 |
| Noncurrent loans to loans | 0.0656% | 3,340 |
| Net loans and leases to total assets | 62.0200% | 2,763 |
| Net loans and leases to deposits | 69.1985% | 3,052 |
| Net loans and leases to core deposits | 72.5983% | 3,233 |
| Total domestic deposits to total assets | 89.6300% | 807 |
| Equity capital to assets | 9.6624% | 2,294 |
| Core capital (leverage) ratio | 10.1920% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0029% | 1,081 |
| Memoranda: | ||
| Average total assets | $156,373,667 | 3,310 |
| Average earning assets | $143,307,667 | 3,324 |
| Average equity | $14,907,667 | 3,330 |
| Average total loans | $98,637,000 | 3,230 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2897% | 2,213 |
| Cost of funding earning assets | 1.0225% | 3,966 |
| Net interest margin | 4.2671% | 781 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.6527% | 1,809 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.2494% | 1,326 |
| Return on assets (ROA) | 1.2494% | 1,340 |
| Pretax return on assets | 1.5598% | 1,159 |
| Return on Equity (ROE) | 13.2000% | 1,297 |
| Retained earnings to average equity (ytd only) | -5.4462% | 4,157 |
| Net charge-offs to loans | 0.0325% | 1,232 |
| Credit loss provision to net charge-offs | 562.5000% | 481 |
| Earnings coverage of net charge-offs (x) | 81.6250% | 756 |
| Efficiency ratio | 61.2922% | 3,120 |
| Assets per employee ($millions) | 4.7648% | 3,802 |
| Cash dividends to net income (ytd only)* | 141.2731% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 962 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 61.5000% | 2,716 |
| Net loans and leases to deposits | 68.3377% | 3,025 |
| Net loans and leases to core deposits | 71.5764% | 3,249 |
| Total domestic deposits to total assets | 90.0000% | 795 |
| Equity capital to assets | 9.3921% | 2,405 |
| Core capital (leverage) ratio | 10.0112% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8111% | 955 |
| Memoranda: | ||
| Average total assets | $155,915,500 | 3,327 |
| Average earning assets | $142,390,500 | 3,341 |
| Average equity | $14,762,500 | 3,345 |
| Average total loans | $98,396,000 | 3,237 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 2,879 |
| Cost of funding earning assets | 0.5903% | 4,082 |
| Net interest margin | 4.0159% | 1,185 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.5497% | 2,157 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.4955% | 1,028 |
| Return on assets (ROA) | 1.4955% | 1,001 |
| Pretax return on assets | 1.4955% | 1,433 |
| Return on Equity (ROE) | 17.6500% | 867 |
| Retained earnings to average equity (ytd only) | 12.2651% | 612 |
| Net charge-offs to loans | 0.0162% | 2,056 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 164.9333% | 672 |
| Efficiency ratio | 61.2529% | 2,944 |
| Assets per employee ($millions) | 4.9868% | 3,646 |
| Cash dividends to net income (ytd only)* | 30.5144% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,046 |
| Loan loss allowance to noncurrent loans | 4,777.4194% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,599 |
| Noncurrent loans to loans | 0.0314% | 3,510 |
| Net loans and leases to total assets | 62.8000% | 2,594 |
| Net loans and leases to deposits | 69.8035% | 2,899 |
| Net loans and leases to core deposits | 72.6856% | 3,143 |
| Total domestic deposits to total assets | 89.9700% | 763 |
| Equity capital to assets | 9.5458% | 2,316 |
| Core capital (leverage) ratio | 10.3320% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1483% | 889 |
| Memoranda: | ||
| Average total assets | $153,390,400 | 3,326 |
| Average earning assets | $140,615,200 | 3,338 |
| Average equity | $12,996,200 | 3,429 |
| Average total loans | $92,820,400 | 3,253 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 3,051 |
| Cost of funding earning assets | 0.4805% | 4,163 |
| Net interest margin | 3.9445% | 1,313 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.5283% | 2,140 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4048% | 1,309 |
| Return on assets (ROA) | 1.4048% | 1,295 |
| Pretax return on assets | 1.4048% | 1,769 |
| Return on Equity (ROE) | 17.1300% | 1,056 |
| Retained earnings to average equity (ytd only) | 10.7569% | 1,197 |
| Net charge-offs to loans | -0.0044% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.4167% | 2,671 |
| Assets per employee ($millions) | 4.9363% | 3,648 |
| Cash dividends to net income (ytd only)* | 37.1978% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,010 |
| Loan loss allowance to noncurrent loans | 428.9086% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,155 |
| Noncurrent loans to loans | 0.3593% | 1,941 |
| Net loans and leases to total assets | 60.7100% | 2,777 |
| Net loans and leases to deposits | 66.8998% | 3,057 |
| Net loans and leases to core deposits | 68.8570% | 3,276 |
| Total domestic deposits to total assets | 90.7400% | 733 |
| Equity capital to assets | 8.8861% | 2,484 |
| Core capital (leverage) ratio | 10.1484% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4211% | 894 |
| Memoranda: | ||
| Average total assets | $153,090,000 | 3,340 |
| Average earning assets | $140,681,750 | 3,350 |
| Average equity | $12,556,000 | 3,468 |
| Average total loans | $91,383,000 | 3,274 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,302 |
| Cost of funding earning assets | 0.3736% | 4,207 |
| Net interest margin | 3.8217% | 1,577 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5563% | 2,043 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.2775% | 1,626 |
| Return on assets (ROA) | 1.2775% | 1,618 |
| Pretax return on assets | 1.2775% | 2,141 |
| Return on Equity (ROE) | 16.0200% | 1,263 |
| Retained earnings to average equity (ytd only) | 6.1923% | 2,553 |
| Net charge-offs to loans | -0.0044% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.6942% | 2,411 |
| Assets per employee ($millions) | 4.9964% | 3,603 |
| Cash dividends to net income (ytd only)* | 61.3497% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,060 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 2,166 |
| Noncurrent loans to loans | 0.3375% | 1,920 |
| Net loans and leases to total assets | 59.9300% | 2,774 |
| Net loans and leases to deposits | 65.6231% | 3,083 |
| Net loans and leases to core deposits | 66.9399% | 3,293 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 8.3746% | 2,969 |
| Core capital (leverage) ratio | 9.4989% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0200% | 956 |
| Memoranda: | ||
| Average total assets | $153,111,333 | 3,354 |
| Average earning assets | $141,873,000 | 3,341 |
| Average equity | $12,208,667 | 3,521 |
| Average total loans | $90,393,667 | 3,292 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,353 |
| Cost of funding earning assets | 0.2425% | 4,307 |
| Net interest margin | 3.8103% | 1,667 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.5207% | 2,196 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2978% | 1,679 |
| Return on assets (ROA) | 1.2978% | 1,649 |
| Pretax return on assets | 1.2978% | 2,183 |
| Return on Equity (ROE) | 16.6800% | 1,227 |
| Retained earnings to average equity (ytd only) | -3.2568% | 4,246 |
| Net charge-offs to loans | -0.0044% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0604% | 2,448 |
| Assets per employee ($millions) | 4.8865% | 3,737 |
| Cash dividends to net income (ytd only)* | 119.5219% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,221 |
| Loan loss allowance to noncurrent loans | 442.2078% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 2,123 |
| Noncurrent loans to loans | 0.3416% | 1,919 |
| Net loans and leases to total assets | 58.6200% | 2,807 |
| Net loans and leases to deposits | 63.8563% | 3,100 |
| Net loans and leases to core deposits | 64.0359% | 3,343 |
| Total domestic deposits to total assets | 91.8000% | 567 |
| Equity capital to assets | 8.0030% | 3,243 |
| Core capital (leverage) ratio | 8.9123% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3694% | 1,097 |
| Memoranda: | ||
| Average total assets | $154,720,500 | 3,382 |
| Average earning assets | $143,506,500 | 3,368 |
| Average equity | $12,036,500 | 3,568 |
| Average total loans | $89,967,500 | 3,334 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 3,575 |
| Cost of funding earning assets | 0.0876% | 4,438 |
| Net interest margin | 3.2200% | 2,807 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.4740% | 2,200 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8331% | 3,213 |
| Return on assets (ROA) | 0.8331% | 3,136 |
| Pretax return on assets | 0.8331% | 3,538 |
| Return on Equity (ROE) | 13.1200% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.9105% | 685 |
| Net charge-offs to loans | 0.0503% | 1,166 |
| Credit loss provision to net charge-offs | 292.6829% | 922 |
| Earnings coverage of net charge-offs (x) | 33.4146% | 1,624 |
| Efficiency ratio | 73.0421% | 1,317 |
| Assets per employee ($millions) | 4.6459% | 3,940 |
| Cash dividends to net income (ytd only)* | 9.2000% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,297 |
| Loan loss allowance to noncurrent loans | 427.2727% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,196 |
| Noncurrent loans to loans | 0.3431% | 1,917 |
| Net loans and leases to total assets | 56.0000% | 3,032 |
| Net loans and leases to deposits | 60.7478% | 3,286 |
| Net loans and leases to core deposits | 60.9105% | 3,456 |
| Total domestic deposits to total assets | 92.1900% | 589 |
| Equity capital to assets | 7.5652% | 3,344 |
| Core capital (leverage) ratio | 8.5009% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1038% | 1,109 |
| Memoranda: | ||
| Average total assets | $150,042,800 | 3,441 |
| Average earning assets | $139,225,200 | 3,425 |
| Average equity | $9,529,400 | 3,930 |
| Average total loans | $81,546,600 | 3,393 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 3,783 |
| Cost of funding earning assets | 0.0534% | 4,563 |
| Net interest margin | 3.0008% | 3,220 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.4881% | 2,050 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.6285% | 3,756 |
| Return on assets (ROA) | 0.6285% | 3,708 |
| Pretax return on assets | 0.6285% | 3,937 |
| Return on Equity (ROE) | 10.4300% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.7101% | 1,754 |
| Net charge-offs to loans | 0.0704% | 800 |
| Credit loss provision to net charge-offs | 214.2857% | 947 |
| Earnings coverage of net charge-offs (x) | 18.7619% | 1,745 |
| Efficiency ratio | 77.8091% | 929 |
| Assets per employee ($millions) | 4.9997% | 3,674 |
| Cash dividends to net income (ytd only)* | 16.4756% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,245 |
| Loan loss allowance to noncurrent loans | 417.2078% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,320 |
| Noncurrent loans to loans | 0.3639% | 1,934 |
| Net loans and leases to total assets | 52.1000% | 3,268 |
| Net loans and leases to deposits | 55.1171% | 3,540 |
| Net loans and leases to core deposits | 55.3506% | 3,666 |
| Total domestic deposits to total assets | 94.5200% | 288 |
| Equity capital to assets | 5.2228% | 4,225 |
| Core capital (leverage) ratio | 6.7007% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5768% | 2,227 |
| Memoranda: | ||
| Average total assets | $148,063,250 | 3,488 |
| Average earning assets | $137,340,000 | 3,472 |
| Average equity | $8,924,250 | 4,043 |
| Average total loans | $79,489,000 | 3,431 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8687% | 3,855 |
| Cost of funding earning assets | 0.0375% | 4,665 |
| Net interest margin | 2.8312% | 3,347 |
| Noninterest income to average assets | 0.4192% | 2,635 |
| Noninterest expense to average assets | 2.5262% | 1,847 |
| Loan and lease loss provision to assets | 0.0833% | 1,190 |
| Net operating income to assets | 0.4331% | 4,046 |
| Return on assets (ROA) | 0.4331% | 3,999 |
| Pretax return on assets | 0.4331% | 4,109 |
| Return on Equity (ROE) | 6.8469% | 3,346 |
| Retained earnings to average equity (ytd only) | 4.3232% | 2,963 |
| Net charge-offs to loans | 0.1106% | 547 |
| Credit loss provision to net charge-offs | 139.5349% | 1,123 |
| Earnings coverage of net charge-offs (x) | 8.6512% | 1,817 |
| Efficiency ratio | 83.0292% | 736 |
| Assets per employee ($millions) | 4.7400% | 3,898 |
| Cash dividends to net income (ytd only)* | 36.8590% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,299 |
| Loan loss allowance to noncurrent loans | 407.1429% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,306 |
| Noncurrent loans to loans | 0.3787% | 2,007 |
| Net loans and leases to total assets | 52.7878% | 3,085 |
| Net loans and leases to deposits | 56.0791% | 3,369 |
| Net loans and leases to core deposits | 56.3308% | 3,538 |
| Total domestic deposits to total assets | 94.1310% | 261 |
| Equity capital to assets | 5.6198% | 4,324 |
| Core capital (leverage) ratio | 6.6428% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4982% | 2,292 |
| Memoranda: | ||
| Average total assets | $144,087,667 | 3,564 |
| Average earning assets | $133,511,333 | 3,560 |
| Average equity | $9,113,667 | 4,091 |
| Average total loans | $77,772,667 | 3,490 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7835% | 3,777 |
| Cost of funding earning assets | 0.0369% | 4,681 |
| Net interest margin | 2.7466% | 3,291 |
| Noninterest income to average assets | 0.4163% | 2,586 |
| Noninterest expense to average assets | 2.5518% | 1,745 |
| Loan and lease loss provision to assets | 0.0855% | 973 |
| Net operating income to assets | 0.3222% | 4,100 |
| Return on assets (ROA) | 0.3222% | 4,067 |
| Pretax return on assets | 0.3222% | 4,156 |
| Return on Equity (ROE) | 4.8042% | 3,671 |
| Retained earnings to average equity (ytd only) | -0.0850% | 4,023 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2235% | 727 |
| Assets per employee ($millions) | 4.6908% | 4,007 |
| Cash dividends to net income (ytd only)* | 101.7699% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 1,218 |
| Loan loss allowance to noncurrent loans | 287.9545% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 1,906 |
| Noncurrent loans to loans | 0.5621% | 1,635 |
| Net loans and leases to total assets | 52.9598% | 2,884 |
| Net loans and leases to deposits | 56.5866% | 3,209 |
| Net loans and leases to core deposits | 56.8536% | 3,387 |
| Total domestic deposits to total assets | 93.5907% | 155 |
| Equity capital to assets | 6.2394% | 4,520 |
| Core capital (leverage) ratio | 6.9264% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5978% | 2,380 |
| Memoranda: | ||
| Average total assets | $140,292,000 | 3,614 |
| Average earning assets | $129,908,000 | 3,609 |
| Average equity | $9,408,500 | 4,122 |
| Average total loans | $75,998,000 | 3,524 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 3,932 |
| Cost of funding earning assets | 0.0406% | 4,726 |
| Net interest margin | 2.9249% | 3,386 |
| Noninterest income to average assets | 0.4712% | 2,722 |
| Noninterest expense to average assets | 2.7181% | 1,583 |
| Loan and lease loss provision to assets | 0.0947% | 1,322 |
| Net operating income to assets | 0.3323% | 4,382 |
| Return on assets (ROA) | 0.3323% | 4,402 |
| Pretax return on assets | 0.3323% | 4,457 |
| Return on Equity (ROE) | 4.3057% | 4,152 |
| Retained earnings to average equity (ytd only) | 2.8534% | 3,702 |
| Net charge-offs to loans | 0.0590% | 1,197 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 13.5250% | 2,072 |
| Efficiency ratio | 86.4241% | 449 |
| Assets per employee ($millions) | 4.3603% | 4,224 |
| Cash dividends to net income (ytd only)* | 33.7292% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 1,095 |
| Loan loss allowance to noncurrent loans | 401.6234% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,414 |
| Noncurrent loans to loans | 0.4178% | 2,099 |
| Net loans and leases to total assets | 53.6221% | 2,895 |
| Net loans and leases to deposits | 57.9612% | 3,259 |
| Net loans and leases to core deposits | 58.2588% | 3,452 |
| Total domestic deposits to total assets | 92.5139% | 89 |
| Equity capital to assets | 7.2087% | 4,679 |
| Core capital (leverage) ratio | 7.1409% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3292% | 2,113 |
| Memoranda: | ||
| Average total assets | $126,706,800 | 3,726 |
| Average earning assets | $115,831,200 | 3,740 |
| Average equity | $9,777,800 | 4,151 |
| Average total loans | $67,805,600 | 3,688 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9766% | 4,049 |
| Cost of funding earning assets | 0.0411% | 4,811 |
| Net interest margin | 2.9355% | 3,467 |
| Noninterest income to average assets | 0.4773% | 2,722 |
| Noninterest expense to average assets | 2.7535% | 1,454 |
| Loan and lease loss provision to assets | 0.0963% | 1,241 |
| Net operating income to assets | 0.3029% | 4,516 |
| Return on assets (ROA) | 0.3029% | 4,538 |
| Pretax return on assets | 0.3029% | 4,588 |
| Return on Equity (ROE) | 3.8557% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.9210% | 4,211 |
| Net charge-offs to loans | 0.0020% | 2,320 |
| Credit loss provision to net charge-offs | 9,000.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 378 |
| Efficiency ratio | 87.3388% | 385 |
| Assets per employee ($millions) | 3.7172% | 4,569 |
| Cash dividends to net income (ytd only)* | 50.1767% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 965 |
| Loan loss allowance to noncurrent loans | 371.9403% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 2,483 |
| Noncurrent loans to loans | 0.4792% | 2,123 |
| Net loans and leases to total assets | 52.7797% | 3,111 |
| Net loans and leases to deposits | 57.2926% | 3,461 |
| Net loans and leases to core deposits | 57.5997% | 3,658 |
| Total domestic deposits to total assets | 92.1232% | 104 |
| Equity capital to assets | 7.5725% | 4,686 |
| Core capital (leverage) ratio | 7.3125% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7299% | 2,078 |
| Memoranda: | ||
| Average total assets | $124,591,000 | 3,788 |
| Average earning assets | $113,549,750 | 3,803 |
| Average equity | $9,786,250 | 4,210 |
| Average total loans | $66,327,500 | 3,772 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9832% | 4,075 |
| Cost of funding earning assets | 0.0430% | 4,847 |
| Net interest margin | 2.9402% | 3,474 |
| Noninterest income to average assets | 0.4757% | 2,731 |
| Noninterest expense to average assets | 2.8056% | 1,342 |
| Loan and lease loss provision to assets | 0.0978% | 1,291 |
| Net operating income to assets | 0.2460% | 4,583 |
| Return on assets (ROA) | 0.2460% | 4,600 |
| Pretax return on assets | 0.2460% | 4,638 |
| Return on Equity (ROE) | 3.0929% | 4,459 |
| Retained earnings to average equity (ytd only) | 0.1843% | 4,480 |
| Net charge-offs to loans | 0.0154% | 1,641 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 1,139 |
| Efficiency ratio | 89.0843% | 363 |
| Assets per employee ($millions) | 3.7692% | 4,569 |
| Cash dividends to net income (ytd only)* | 94.0397% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 929 |
| Loan loss allowance to noncurrent loans | 393.5065% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,730 |
| Noncurrent loans to loans | 0.4504% | 2,325 |
| Net loans and leases to total assets | 52.4182% | 3,302 |
| Net loans and leases to deposits | 56.8777% | 3,647 |
| Net loans and leases to core deposits | 57.3130% | 3,808 |
| Total domestic deposits to total assets | 92.1594% | 98 |
| Equity capital to assets | 7.6026% | 4,705 |
| Core capital (leverage) ratio | 7.3562% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9086% | 1,998 |
| Memoranda: | ||
| Average total assets | $122,753,667 | 3,823 |
| Average earning assets | $111,625,333 | 3,844 |
| Average equity | $9,764,333 | 4,230 |
| Average total loans | $65,132,000 | 3,813 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9887% | 4,112 |
| Cost of funding earning assets | 0.0477% | 4,874 |
| Net interest margin | 2.9409% | 3,407 |
| Noninterest income to average assets | 0.4765% | 2,723 |
| Noninterest expense to average assets | 2.8487% | 1,261 |
| Loan and lease loss provision to assets | 0.1000% | 1,349 |
| Net operating income to assets | 0.1966% | 4,638 |
| Return on assets (ROA) | 0.1966% | 4,664 |
| Pretax return on assets | 0.1966% | 4,674 |
| Return on Equity (ROE) | 2.4143% | 4,560 |
| Retained earnings to average equity (ytd only) | -3.3964% | 4,622 |
| Net charge-offs to loans | 0.0315% | 1,172 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,289 |
| Efficiency ratio | 90.5720% | 356 |
| Assets per employee ($millions) | 3.5742% | 4,664 |
| Cash dividends to net income (ytd only)* | 240.6780% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 859 |
| Loan loss allowance to noncurrent loans | 384.0909% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 2,901 |
| Noncurrent loans to loans | 0.4712% | 2,442 |
| Net loans and leases to total assets | 51.3066% | 3,509 |
| Net loans and leases to deposits | 55.7202% | 3,815 |
| Net loans and leases to core deposits | 56.1570% | 3,962 |
| Total domestic deposits to total assets | 92.0789% | 129 |
| Equity capital to assets | 7.7380% | 4,619 |
| Core capital (leverage) ratio | 7.7877% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,053,500 | 3,861 |
| Average earning assets | $108,945,500 | 3,882 |
| Average equity | $9,775,000 | 4,236 |
| Average total loans | $63,504,000 | 3,859 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 3,581 |
| Cost of funding earning assets | 0.0992% | 4,863 |
| Net interest margin | 3.5987% | 2,146 |
| Noninterest income to average assets | 0.5801% | 2,306 |
| Noninterest expense to average assets | 3.1922% | 1,070 |
| Loan and lease loss provision to assets | 0.1431% | 2,570 |
| Net operating income to assets | 0.4637% | 4,112 |
| Return on assets (ROA) | 0.4637% | 4,194 |
| Pretax return on assets | 0.4637% | 4,336 |
| Return on Equity (ROE) | 5.1104% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.1104% | 2,231 |
| Net charge-offs to loans | -0.0351% | 4,587 |
| Credit loss provision to net charge-offs | -714.2857% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0281% | 631 |
| Assets per employee ($millions) | 3.3826% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 759 |
| Loan loss allowance to noncurrent loans | 375.6494% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 2,965 |
| Noncurrent loans to loans | 0.4997% | 2,472 |
| Net loans and leases to total assets | 52.5911% | 3,624 |
| Net loans and leases to deposits | 57.7169% | 3,906 |
| Net loans and leases to core deposits | 58.2146% | 4,039 |
| Total domestic deposits to total assets | 91.1190% | 198 |
| Equity capital to assets | 8.5819% | 4,388 |
| Core capital (leverage) ratio | 8.2011% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,816,800 | 3,931 |
| Average earning assets | $93,755,400 | 3,979 |
| Average equity | $9,510,000 | 4,247 |
| Average total loans | $59,781,400 | 3,926 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 3,430 |
| Cost of funding earning assets | 0.1140% | 4,894 |
| Net interest margin | 3.7290% | 1,844 |
| Noninterest income to average assets | 0.5958% | 2,194 |
| Noninterest expense to average assets | 3.2828% | 932 |
| Loan and lease loss provision to assets | 0.1369% | 2,645 |
| Net operating income to assets | 0.5032% | 4,020 |
| Return on assets (ROA) | 0.5032% | 4,113 |
| Pretax return on assets | 0.5032% | 4,271 |
| Return on Equity (ROE) | 5.4634% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.4634% | 2,341 |
| Net charge-offs to loans | -0.0495% | 4,669 |
| Credit loss provision to net charge-offs | -477.2727% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6823% | 628 |
| Assets per employee ($millions) | 3.3299% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 697 |
| Loan loss allowance to noncurrent loans | 144.9219% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 1,701 |
| Noncurrent loans to loans | 1.2530% | 1,204 |
| Net loans and leases to total assets | 53.1564% | 3,875 |
| Net loans and leases to deposits | 58.3913% | 4,148 |
| Net loans and leases to core deposits | 58.8320% | 4,261 |
| Total domestic deposits to total assets | 91.0348% | 166 |
| Equity capital to assets | 8.6022% | 4,402 |
| Core capital (leverage) ratio | 8.4581% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,268,500 | 3,962 |
| Average earning assets | $91,246,000 | 4,006 |
| Average equity | $9,420,000 | 4,277 |
| Average total loans | $59,316,250 | 3,955 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,193 |
| Cost of funding earning assets | 0.1234% | 4,936 |
| Net interest margin | 3.9279% | 1,508 |
| Noninterest income to average assets | 0.6064% | 2,105 |
| Noninterest expense to average assets | 3.3665% | 900 |
| Loan and lease loss provision to assets | 0.1521% | 2,484 |
| Net operating income to assets | 0.5739% | 3,821 |
| Return on assets (ROA) | 0.5739% | 3,897 |
| Pretax return on assets | 0.5739% | 4,109 |
| Return on Equity (ROE) | 6.0771% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.0771% | 2,044 |
| Net charge-offs to loans | -0.0170% | 4,362 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2597% | 746 |
| Assets per employee ($millions) | 3.1249% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 629 |
| Loan loss allowance to noncurrent loans | 346.1039% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,157 |
| Noncurrent loans to loans | 0.5260% | 2,586 |
| Net loans and leases to total assets | 54.1102% | 3,867 |
| Net loans and leases to deposits | 59.7061% | 4,133 |
| Net loans and leases to core deposits | 60.1880% | 4,251 |
| Total domestic deposits to total assets | 90.6276% | 248 |
| Equity capital to assets | 9.0684% | 4,025 |
| Core capital (leverage) ratio | 9.0041% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,619,667 | 4,012 |
| Average earning assets | $87,528,333 | 4,059 |
| Average equity | $9,313,667 | 4,307 |
| Average total loans | $58,657,000 | 3,967 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,008 |
| Cost of funding earning assets | 0.1535% | 4,961 |
| Net interest margin | 4.1150% | 1,103 |
| Noninterest income to average assets | 0.6582% | 1,811 |
| Noninterest expense to average assets | 3.5019% | 933 |
| Loan and lease loss provision to assets | 0.1266% | 2,125 |
| Net operating income to assets | 0.6498% | 3,449 |
| Return on assets (ROA) | 0.6498% | 3,507 |
| Pretax return on assets | 0.6498% | 3,812 |
| Return on Equity (ROE) | 6.7300% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.7300% | 1,635 |
| Net charge-offs to loans | -0.0341% | 4,516 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8540% | 982 |
| Assets per employee ($millions) | 2.8289% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 849 |
| Loan loss allowance to noncurrent loans | 290.0568% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 2,976 |
| Noncurrent loans to loans | 0.5922% | 2,523 |
| Net loans and leases to total assets | 60.7421% | 3,427 |
| Net loans and leases to deposits | 67.5645% | 3,757 |
| Net loans and leases to core deposits | 68.0437% | 3,987 |
| Total domestic deposits to total assets | 89.9025% | 352 |
| Equity capital to assets | 9.8844% | 3,894 |
| Core capital (leverage) ratio | 9.6772% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,805,500 | 4,065 |
| Average earning assets | $83,402,500 | 4,117 |
| Average equity | $9,153,000 | 4,348 |
| Average total loans | $58,707,000 | 3,978 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 2,895 |
| Cost of funding earning assets | 0.1756% | 5,007 |
| Net interest margin | 4.3375% | 1,009 |
| Noninterest income to average assets | 0.7035% | 1,806 |
| Noninterest expense to average assets | 3.2099% | 1,499 |
| Loan and lease loss provision to assets | 0.2790% | 628 |
| Net operating income to assets | 1.0240% | 2,752 |
| Return on assets (ROA) | 1.0240% | 2,846 |
| Pretax return on assets | 1.0240% | 3,405 |
| Return on Equity (ROE) | 11.0500% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.5792% | 1,131 |
| Net charge-offs to loans | 0.0931% | 1,800 |
| Credit loss provision to net charge-offs | 481.1321% | 604 |
| Earnings coverage of net charge-offs (x) | 22.4717% | 1,849 |
| Efficiency ratio | 71.1273% | 2,001 |
| Assets per employee ($millions) | 2.7479% | 4,927 |
| Cash dividends to net income (ytd only)* | 31.4103% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 796 |
| Loan loss allowance to noncurrent loans | 320.1299% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,101 |
| Noncurrent loans to loans | 0.5313% | 2,586 |
| Net loans and leases to total assets | 60.9918% | 3,502 |
| Net loans and leases to deposits | 67.5895% | 3,855 |
| Net loans and leases to core deposits | 68.0812% | 4,079 |
| Total domestic deposits to total assets | 90.2386% | 253 |
| Equity capital to assets | 9.4178% | 4,414 |
| Core capital (leverage) ratio | 9.4820% | 4,083 |
| Tier 1 risk-based capital ratio | 14.5674% | 2,980 |
| Total risk-based capital ratio | 15.8215% | 2,886 |
| Memoranda: | ||
| Average total assets | $91,404,400 | 4,121 |
| Average earning assets | $80,275,800 | 4,182 |
| Average equity | $8,470,600 | 4,452 |
| Average total loans | $56,951,200 | 4,029 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,026 |
| Cost of funding earning assets | 0.1788% | 5,077 |
| Net interest margin | 4.3317% | 1,093 |
| Noninterest income to average assets | 0.7026% | 1,771 |
| Noninterest expense to average assets | 3.5849% | 865 |
| Loan and lease loss provision to assets | 0.1980% | 891 |
| Net operating income to assets | 0.7217% | 3,940 |
| Return on assets (ROA) | 0.7217% | 4,008 |
| Pretax return on assets | 0.7217% | 4,296 |
| Return on Equity (ROE) | 7.8200% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.8200% | 1,486 |
| Net charge-offs to loans | 0.1340% | 1,195 |
| Credit loss provision to net charge-offs | 236.8421% | 1,141 |
| Earnings coverage of net charge-offs (x) | 10.9997% | 2,462 |
| Efficiency ratio | 79.5832% | 956 |
| Assets per employee ($millions) | 2.7050% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,157 |
| Loan loss allowance to noncurrent loans | 250.5814% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,010 |
| Noncurrent loans to loans | 0.6120% | 2,448 |
| Net loans and leases to total assets | 60.1788% | 3,660 |
| Net loans and leases to deposits | 67.0215% | 3,996 |
| Net loans and leases to core deposits | 68.4445% | 4,143 |
| Total domestic deposits to total assets | 89.7903% | 341 |
| Equity capital to assets | 9.4932% | 4,460 |
| Core capital (leverage) ratio | 9.5665% | 4,097 |
| Tier 1 risk-based capital ratio | 14.6608% | 3,004 |
| Total risk-based capital ratio | 15.9128% | 2,929 |
| Memoranda: | ||
| Average total assets | $90,898,250 | 4,182 |
| Average earning assets | $79,781,500 | 4,242 |
| Average equity | $8,388,500 | 4,507 |
| Average total loans | $56,696,500 | 4,085 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 3,073 |
| Cost of funding earning assets | 0.1763% | 5,122 |
| Net interest margin | 4.3040% | 1,135 |
| Noninterest income to average assets | 0.6826% | 1,787 |
| Noninterest expense to average assets | 3.6492% | 803 |
| Loan and lease loss provision to assets | 0.1988% | 863 |
| Net operating income to assets | 0.6097% | 4,283 |
| Return on assets (ROA) | 0.6097% | 4,319 |
| Pretax return on assets | 0.6097% | 4,525 |
| Return on Equity (ROE) | 6.6712% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.6712% | 1,965 |
| Net charge-offs to loans | 0.1899% | 877 |
| Credit loss provision to net charge-offs | 166.6667% | 1,382 |
| Earnings coverage of net charge-offs (x) | 6.7778% | 2,542 |
| Efficiency ratio | 81.8632% | 812 |
| Assets per employee ($millions) | 2.8016% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,505 |
| Loan loss allowance to noncurrent loans | 266.2338% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 3,160 |
| Noncurrent loans to loans | 0.5363% | 2,668 |
| Net loans and leases to total assets | 63.1493% | 3,435 |
| Net loans and leases to deposits | 70.2791% | 3,818 |
| Net loans and leases to core deposits | 71.8042% | 4,016 |
| Total domestic deposits to total assets | 89.8551% | 376 |
| Equity capital to assets | 9.4924% | 4,409 |
| Core capital (leverage) ratio | 9.5973% | 4,045 |
| Tier 1 risk-based capital ratio | 14.2619% | 3,181 |
| Total risk-based capital ratio | 15.5125% | 3,098 |
| Memoranda: | ||
| Average total assets | $90,540,670 | 4,211 |
| Average earning assets | $79,414,670 | 4,275 |
| Average equity | $8,274,330 | 4,546 |
| Average total loans | $56,859,000 | 4,107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 3,244 |
| Cost of funding earning assets | 0.1706% | 5,178 |
| Net interest margin | 4.2248% | 1,250 |
| Noninterest income to average assets | 0.6814% | 1,677 |
| Noninterest expense to average assets | 3.5962% | 850 |
| Loan and lease loss provision to assets | 0.1978% | 817 |
| Net operating income to assets | 0.5891% | 4,278 |
| Return on assets (ROA) | 0.5891% | 4,310 |
| Pretax return on assets | 0.5891% | 4,537 |
| Return on Equity (ROE) | 6.5714% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.5714% | 2,212 |
| Net charge-offs to loans | -0.0283% | 4,623 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0461% | 867 |
| Assets per employee ($millions) | 2.6985% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,485 |
| Loan loss allowance to noncurrent loans | 221.2202% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 2,897 |
| Noncurrent loans to loans | 0.6589% | 2,367 |
| Net loans and leases to total assets | 63.3169% | 3,372 |
| Net loans and leases to deposits | 70.2389% | 3,751 |
| Net loans and leases to core deposits | 71.7686% | 3,959 |
| Total domestic deposits to total assets | 90.1451% | 401 |
| Equity capital to assets | 9.2497% | 4,483 |
| Core capital (leverage) ratio | 9.2031% | 4,467 |
| Tier 1 risk-based capital ratio | 14.2774% | 3,206 |
| Total risk-based capital ratio | 15.5284% | 3,131 |
| Memoranda: | ||
| Average total assets | $90,985,500 | 4,246 |
| Average earning assets | $79,719,000 | 4,309 |
| Average equity | $8,156,500 | 4,598 |
| Average total loans | $56,571,500 | 4,155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 3,574 |
| Cost of funding earning assets | 0.1328% | 5,220 |
| Net interest margin | 4.0201% | 1,921 |
| Noninterest income to average assets | 0.7457% | 1,666 |
| Noninterest expense to average assets | 3.6181% | 848 |
| Loan and lease loss provision to assets | 0.1319% | 1,662 |
| Net operating income to assets | 0.5036% | 4,656 |
| Return on assets (ROA) | 0.5036% | 4,658 |
| Pretax return on assets | 0.5036% | 4,791 |
| Return on Equity (ROE) | 5.5322% | 4,314 |
| Retained earnings to average equity (ytd only) | 3.7553% | 3,505 |
| Net charge-offs to loans | 0.0905% | 1,871 |
| Credit loss provision to net charge-offs | 244.6809% | 1,213 |
| Earnings coverage of net charge-offs (x) | 11.7872% | 2,601 |
| Efficiency ratio | 85.0593% | 577 |
| Assets per employee ($millions) | 2.8157% | 5,086 |
| Cash dividends to net income (ytd only)* | 32.1185% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,631 |
| Loan loss allowance to noncurrent loans | 213.6240% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 2,978 |
| Noncurrent loans to loans | 0.6562% | 2,353 |
| Net loans and leases to total assets | 59.3420% | 3,836 |
| Net loans and leases to deposits | 65.4753% | 4,155 |
| Net loans and leases to core deposits | 66.8323% | 4,305 |
| Total domestic deposits to total assets | 90.6327% | 287 |
| Equity capital to assets | 8.6914% | 4,807 |
| Core capital (leverage) ratio | 9.1214% | 4,541 |
| Tier 1 risk-based capital ratio | 14.3763% | 3,125 |
| Total risk-based capital ratio | 15.6269% | 3,041 |
| Memoranda: | ||
| Average total assets | $87,172,200 | 4,312 |
| Average earning assets | $76,068,600 | 4,379 |
| Average equity | $7,935,400 | 4,617 |
| Average total loans | $51,906,600 | 4,271 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,720 |
| Cost of funding earning assets | 0.1213% | 5,302 |
| Net interest margin | 3.9528% | 2,116 |
| Noninterest income to average assets | 0.7511% | 1,672 |
| Noninterest expense to average assets | 3.6266% | 823 |
| Loan and lease loss provision to assets | 0.1322% | 1,524 |
| Net operating income to assets | 0.4385% | 4,879 |
| Return on assets (ROA) | 0.4385% | 4,886 |
| Pretax return on assets | 0.4385% | 4,988 |
| Return on Equity (ROE) | 4.7592% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.7592% | 3,365 |
| Net charge-offs to loans | 0.1205% | 1,306 |
| Credit loss provision to net charge-offs | 184.7826% | 1,476 |
| Earnings coverage of net charge-offs (x) | 7.9785% | 2,758 |
| Efficiency ratio | 86.4024% | 493 |
| Assets per employee ($millions) | 2.9186% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,680 |
| Loan loss allowance to noncurrent loans | 1,145.4545% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 4,611 |
| Noncurrent loans to loans | 0.1226% | 4,342 |
| Net loans and leases to total assets | 58.6717% | 3,973 |
| Net loans and leases to deposits | 64.9008% | 4,283 |
| Net loans and leases to core deposits | 66.2866% | 4,397 |
| Total domestic deposits to total assets | 90.4021% | 380 |
| Equity capital to assets | 8.8563% | 4,673 |
| Core capital (leverage) ratio | 9.3281% | 4,367 |
| Tier 1 risk-based capital ratio | 14.8247% | 2,959 |
| Total risk-based capital ratio | 16.0750% | 2,878 |
| Memoranda: | ||
| Average total assets | $85,735,500 | 4,377 |
| Average earning assets | $74,747,500 | 4,452 |
| Average equity | $7,900,250 | 4,669 |
| Average total loans | $50,902,250 | 4,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,749 |
| Cost of funding earning assets | 0.1060% | 5,391 |
| Net interest margin | 3.9076% | 2,177 |
| Noninterest income to average assets | 0.7344% | 1,714 |
| Noninterest expense to average assets | 3.6385% | 835 |
| Loan and lease loss provision to assets | 0.1307% | 1,520 |
| Net operating income to assets | 0.3826% | 4,987 |
| Return on assets (ROA) | 0.3826% | 4,990 |
| Pretax return on assets | 0.3826% | 5,063 |
| Return on Equity (ROE) | 4.0953% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.0953% | 3,559 |
| Net charge-offs to loans | 0.0200% | 2,486 |
| Credit loss provision to net charge-offs | 1,100.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 1,241 |
| Efficiency ratio | 87.6359% | 487 |
| Assets per employee ($millions) | 2.8057% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,401 |
| Loan loss allowance to noncurrent loans | 3,330.4348% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,894 |
| Noncurrent loans to loans | 0.0450% | 4,717 |
| Net loans and leases to total assets | 57.8606% | 4,001 |
| Net loans and leases to deposits | 64.0957% | 4,276 |
| Net loans and leases to core deposits | 64.5942% | 4,456 |
| Total domestic deposits to total assets | 90.2723% | 476 |
| Equity capital to assets | 9.0782% | 4,501 |
| Core capital (leverage) ratio | 9.7275% | 3,855 |
| Tier 1 risk-based capital ratio | 15.5262% | 2,628 |
| Total risk-based capital ratio | 16.7786% | 2,571 |
| Memoranda: | ||
| Average total assets | $84,154,670 | 4,450 |
| Average earning assets | $73,600,330 | 4,513 |
| Average equity | $7,862,670 | 4,719 |
| Average total loans | $49,922,670 | 4,404 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,546 |
| Cost of funding earning assets | 0.1051% | 5,450 |
| Net interest margin | 3.9111% | 2,001 |
| Noninterest income to average assets | 0.7638% | 1,569 |
| Noninterest expense to average assets | 3.5822% | 884 |
| Loan and lease loss provision to assets | 0.1450% | 1,284 |
| Net operating income to assets | 0.4544% | 4,802 |
| Return on assets (ROA) | 0.4544% | 4,807 |
| Pretax return on assets | 0.4544% | 4,953 |
| Return on Equity (ROE) | 4.7923% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.7923% | 3,262 |
| Net charge-offs to loans | -0.0081% | 4,174 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6647% | 669 |
| Assets per employee ($millions) | 2.7991% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,369 |
| Loan loss allowance to noncurrent loans | 1,737.2093% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,842 |
| Noncurrent loans to loans | 0.0878% | 4,589 |
| Net loans and leases to total assets | 57.4316% | 3,998 |
| Net loans and leases to deposits | 63.7839% | 4,221 |
| Net loans and leases to core deposits | 64.5151% | 4,393 |
| Total domestic deposits to total assets | 90.0408% | 643 |
| Equity capital to assets | 9.3518% | 4,228 |
| Core capital (leverage) ratio | 9.6142% | 3,947 |
| Tier 1 risk-based capital ratio | 16.3011% | 2,355 |
| Total risk-based capital ratio | 17.5536% | 2,302 |
| Memoranda: | ||
| Average total assets | $82,743,000 | 4,520 |
| Average earning assets | $72,307,000 | 4,588 |
| Average equity | $7,846,000 | 4,770 |
| Average total loans | $49,338,000 | 4,458 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,793 |
| Cost of funding earning assets | 0.0936% | 5,517 |
| Net interest margin | 3.7840% | 2,484 |
| Noninterest income to average assets | 0.8027% | 1,557 |
| Noninterest expense to average assets | 3.9709% | 558 |
| Loan and lease loss provision to assets | 0.1459% | 1,560 |
| Net operating income to assets | -0.0207% | 5,380 |
| Return on assets (ROA) | -0.0207% | 5,384 |
| Pretax return on assets | -0.0207% | 5,446 |
| Return on Equity (ROE) | -0.2168% | 5,385 |
| Retained earnings to average equity (ytd only) | -0.2168% | 5,067 |
| Net charge-offs to loans | 0.2171% | 1,197 |
| Credit loss provision to net charge-offs | 110.0917% | 2,367 |
| Earnings coverage of net charge-offs (x) | 0.9450% | 3,943 |
| Efficiency ratio | 96.9418% | 232 |
| Assets per employee ($millions) | 2.7171% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,614 |
| Loan loss allowance to noncurrent loans | 5,114.2857% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,073 |
| Noncurrent loans to loans | 0.0282% | 4,885 |
| Net loans and leases to total assets | 60.0959% | 3,820 |
| Net loans and leases to deposits | 67.0123% | 4,104 |
| Net loans and leases to core deposits | 67.8073% | 4,309 |
| Total domestic deposits to total assets | 89.6789% | 695 |
| Equity capital to assets | 9.6169% | 4,128 |
| Core capital (leverage) ratio | 9.5491% | 3,978 |
| Tier 1 risk-based capital ratio | 15.9389% | 2,455 |
| Total risk-based capital ratio | 17.1902% | 2,396 |
| Memoranda: | ||
| Average total assets | $82,223,000 | 4,550 |
| Average earning assets | $71,564,600 | 4,637 |
| Average equity | $7,840,200 | 4,808 |
| Average total loans | $50,204,400 | 4,453 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 3,956 |
| Cost of funding earning assets | 0.0874% | 5,601 |
| Net interest margin | 3.7273% | 2,666 |
| Noninterest income to average assets | 0.8236% | 1,504 |
| Noninterest expense to average assets | 4.0986% | 463 |
| Loan and lease loss provision to assets | 0.1456% | 1,440 |
| Net operating income to assets | -0.1780% | 5,570 |
| Return on assets (ROA) | -0.1780% | 5,577 |
| Pretax return on assets | -0.1780% | 5,573 |
| Return on Equity (ROE) | -1.8705% | 5,583 |
| Retained earnings to average equity (ytd only) | -1.8705% | 5,421 |
| Net charge-offs to loans | 0.2993% | 704 |
| Credit loss provision to net charge-offs | 79.6460% | 2,588 |
| Earnings coverage of net charge-offs (x) | -0.1770% | 3,702 |
| Efficiency ratio | 100.7959% | 168 |
| Assets per employee ($millions) | 2.7556% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,066 |
| Loan loss allowance to noncurrent loans | 4,871.4286% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,171 |
| Noncurrent loans to loans | 0.0280% | 4,999 |
| Net loans and leases to total assets | 59.6898% | 3,902 |
| Net loans and leases to deposits | 66.4669% | 4,212 |
| Net loans and leases to core deposits | 67.2660% | 4,406 |
| Total domestic deposits to total assets | 89.8039% | 544 |
| Equity capital to assets | 9.4522% | 4,487 |
| Core capital (leverage) ratio | 9.3588% | 4,337 |
| Tier 1 risk-based capital ratio | 15.7964% | 2,588 |
| Total risk-based capital ratio | 17.0472% | 2,531 |
| Memoranda: | ||
| Average total assets | $82,400,500 | 4,589 |
| Average earning assets | $71,685,750 | 4,681 |
| Average equity | $7,840,500 | 4,858 |
| Average total loans | $50,330,000 | 4,493 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,121 |
| Cost of funding earning assets | 0.0838% | 5,646 |
| Net interest margin | 3.6500% | 2,838 |
| Noninterest income to average assets | 0.7581% | 1,735 |
| Noninterest expense to average assets | 4.3834% | 342 |
| Loan and lease loss provision to assets | 0.1458% | 1,397 |
| Net operating income to assets | -0.5953% | 5,694 |
| Return on assets (ROA) | -0.5953% | 5,692 |
| Pretax return on assets | -0.5953% | 5,688 |
| Return on Equity (ROE) | -6.2426% | 5,694 |
| Retained earnings to average equity (ytd only) | -6.2426% | 5,572 |
| Net charge-offs to loans | 0.0040% | 3,349 |
| Credit loss provision to net charge-offs | 6,000.0000% | 66 |
| Earnings coverage of net charge-offs (x) | -185.0000% | 3,510 |
| Efficiency ratio | 111.4268% | 97 |
| Assets per employee ($millions) | 2.8238% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,544 |
| Loan loss allowance to noncurrent loans | 121.2698% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 2,337 |
| Noncurrent loans to loans | 1.2447% | 1,557 |
| Net loans and leases to total assets | 58.8455% | 3,937 |
| Net loans and leases to deposits | 65.2235% | 4,283 |
| Net loans and leases to core deposits | 65.9841% | 4,468 |
| Total domestic deposits to total assets | 90.2213% | 461 |
| Equity capital to assets | 9.0834% | 4,822 |
| Core capital (leverage) ratio | 9.4114% | 4,218 |
| Tier 1 risk-based capital ratio | 15.3268% | 2,788 |
| Total risk-based capital ratio | 16.5796% | 2,722 |
| Memoranda: | ||
| Average total assets | $82,311,000 | 4,625 |
| Average earning assets | $71,617,000 | 4,708 |
| Average equity | $7,849,330 | 4,881 |
| Average total loans | $50,431,000 | 4,517 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 3,869 |
| Cost of funding earning assets | 0.0796% | 5,718 |
| Net interest margin | 3.6903% | 2,517 |
| Noninterest income to average assets | 0.7397% | 1,784 |
| Noninterest expense to average assets | 3.6445% | 836 |
| Loan and lease loss provision to assets | 0.1479% | 1,263 |
| Net operating income to assets | 0.1479% | 5,461 |
| Return on assets (ROA) | 0.1479% | 5,470 |
| Pretax return on assets | 0.1479% | 5,483 |
| Return on Equity (ROE) | 1.5139% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.5139% | 4,495 |
| Net charge-offs to loans | -0.0238% | 4,831 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4906% | 431 |
| Assets per employee ($millions) | 2.7647% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,747 |
| Loan loss allowance to noncurrent loans | 116.7722% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 2,330 |
| Noncurrent loans to loans | 1.2717% | 1,584 |
| Net loans and leases to total assets | 61.0639% | 3,655 |
| Net loans and leases to deposits | 67.9623% | 3,991 |
| Net loans and leases to core deposits | 69.3230% | 4,198 |
| Total domestic deposits to total assets | 89.8497% | 724 |
| Equity capital to assets | 9.9046% | 3,869 |
| Core capital (leverage) ratio | 10.0559% | 3,430 |
| Tier 1 risk-based capital ratio | 16.1135% | 2,503 |
| Total risk-based capital ratio | 17.3650% | 2,451 |
| Memoranda: | ||
| Average total assets | $81,109,000 | 4,696 |
| Average earning assets | $70,347,000 | 4,782 |
| Average equity | $7,926,500 | 4,915 |
| Average total loans | $50,339,000 | 4,551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,272 |
| Cost of funding earning assets | 0.0746% | 5,792 |
| Net interest margin | 3.6064% | 3,051 |
| Noninterest income to average assets | 0.8118% | 1,708 |
| Noninterest expense to average assets | 3.5482% | 1,087 |
| Loan and lease loss provision to assets | 0.1958% | 1,189 |
| Net operating income to assets | 0.1227% | 5,537 |
| Return on assets (ROA) | 0.1314% | 5,554 |
| Pretax return on assets | 0.1314% | 5,562 |
| Return on Equity (ROE) | 1.3342% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.3342% | 4,744 |
| Net charge-offs to loans | 0.0021% | 4,202 |
| Credit loss provision to net charge-offs | 15,800.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 279 |
| Efficiency ratio | 91.7628% | 470 |
| Assets per employee ($millions) | 2.8291% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 2,155 |
| Loan loss allowance to noncurrent loans | 107.6336% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 2,359 |
| Noncurrent loans to loans | 1.2848% | 1,595 |
| Net loans and leases to total assets | 61.2813% | 3,690 |
| Net loans and leases to deposits | 68.0928% | 4,077 |
| Net loans and leases to core deposits | 68.8273% | 4,337 |
| Total domestic deposits to total assets | 89.9967% | 625 |
| Equity capital to assets | 9.6437% | 4,125 |
| Core capital (leverage) ratio | 9.8525% | 3,686 |
| Tier 1 risk-based capital ratio | 15.5070% | 2,745 |
| Total risk-based capital ratio | 16.7570% | 2,676 |
| Memoranda: | ||
| Average total assets | $80,689,200 | 4,724 |
| Average earning assets | $68,351,400 | 4,843 |
| Average equity | $7,945,000 | 4,942 |
| Average total loans | $47,659,600 | 4,649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,203 |
| Cost of funding earning assets | 0.0747% | 5,859 |
| Net interest margin | 3.6403% | 2,923 |
| Noninterest income to average assets | 0.8264% | 1,662 |
| Noninterest expense to average assets | 3.5328% | 1,092 |
| Loan and lease loss provision to assets | 0.2240% | 913 |
| Net operating income to assets | 0.1410% | 5,569 |
| Return on assets (ROA) | 0.1527% | 5,610 |
| Pretax return on assets | 0.1527% | 5,622 |
| Return on Equity (ROE) | 1.5423% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.5423% | 4,897 |
| Net charge-offs to loans | -0.0171% | 4,959 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6343% | 534 |
| Assets per employee ($millions) | 2.7937% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,942 |
| 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 | 57.4200% | 4,147 |
| Net loans and leases to deposits | 64.0498% | 4,486 |
| Net loans and leases to core deposits | 64.7523% | 4,686 |
| Total domestic deposits to total assets | 89.6491% | 604 |
| Equity capital to assets | 9.8843% | 4,263 |
| Core capital (leverage) ratio | 9.8337% | 3,771 |
| Tier 1 risk-based capital ratio | 16.0133% | 2,622 |
| Total risk-based capital ratio | 17.2641% | 2,562 |
| Memoranda: | ||
| Average total assets | $80,350,750 | 4,767 |
| Average earning assets | $67,794,250 | 4,891 |
| Average equity | $7,953,250 | 4,989 |
| Average total loans | $46,829,000 | 4,707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,256 |
| Cost of funding earning assets | 0.0744% | 5,943 |
| Net interest margin | 3.6376% | 2,943 |
| Noninterest income to average assets | 0.8162% | 1,654 |
| Noninterest expense to average assets | 3.4594% | 1,245 |
| Loan and lease loss provision to assets | 0.2621% | 714 |
| Net operating income to assets | 0.1473% | 5,614 |
| Return on assets (ROA) | 0.1473% | 5,662 |
| Pretax return on assets | 0.1473% | 5,671 |
| Return on Equity (ROE) | 1.4871% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.4871% | 4,783 |
| Net charge-offs to loans | -0.0214% | 4,973 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4194% | 629 |
| Assets per employee ($millions) | 2.7613% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 2,182 |
| 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 | 56.7941% | 4,222 |
| Net loans and leases to deposits | 63.4437% | 4,534 |
| Net loans and leases to core deposits | 64.1489% | 4,740 |
| Total domestic deposits to total assets | 89.5188% | 671 |
| Equity capital to assets | 9.9804% | 4,250 |
| Core capital (leverage) ratio | 9.8815% | 3,710 |
| Tier 1 risk-based capital ratio | 16.5738% | 2,400 |
| Total risk-based capital ratio | 17.8252% | 2,347 |
| Memoranda: | ||
| Average total assets | $80,128,670 | 4,814 |
| Average earning assets | $67,241,330 | 4,954 |
| Average equity | $7,935,000 | 5,036 |
| Average total loans | $46,702,330 | 4,749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 4,121 |
| Cost of funding earning assets | 0.0782% | 5,992 |
| Net interest margin | 3.6775% | 2,768 |
| Noninterest income to average assets | 0.8184% | 1,564 |
| Noninterest expense to average assets | 3.4284% | 1,325 |
| Loan and lease loss provision to assets | 0.3743% | 385 |
| Net operating income to assets | 0.0649% | 5,724 |
| Return on assets (ROA) | 0.0649% | 5,764 |
| Pretax return on assets | 0.0649% | 5,771 |
| Return on Equity (ROE) | 0.6577% | 5,750 |
| Retained earnings to average equity (ytd only) | 0.6577% | 4,950 |
| Net charge-offs to loans | -0.0426% | 5,255 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6452% | 766 |
| Assets per employee ($millions) | 2.7809% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,707 |
| 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 | 57.3301% | 4,111 |
| Net loans and leases to deposits | 63.9011% | 4,448 |
| Net loans and leases to core deposits | 64.6038% | 4,652 |
| Total domestic deposits to total assets | 89.7169% | 723 |
| Equity capital to assets | 9.8342% | 4,297 |
| Core capital (leverage) ratio | 9.7985% | 3,782 |
| Tier 1 risk-based capital ratio | 16.3198% | 2,551 |
| Total risk-based capital ratio | 17.5698% | 2,506 |
| Memoranda: | ||
| Average total assets | $80,154,500 | 4,854 |
| Average earning assets | $66,457,500 | 5,012 |
| Average equity | $7,906,500 | 5,071 |
| Average total loans | $46,985,000 | 4,764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 3,771 |
| Cost of funding earning assets | 0.0785% | 6,041 |
| Net interest margin | 3.8033% | 2,365 |
| Noninterest income to average assets | 0.8634% | 1,554 |
| Noninterest expense to average assets | 3.7730% | 893 |
| Loan and lease loss provision to assets | 0.1452% | 1,628 |
| Net operating income to assets | 0.0792% | 5,781 |
| Return on assets (ROA) | 0.0792% | 5,822 |
| Pretax return on assets | 0.0792% | 5,814 |
| Return on Equity (ROE) | 0.7620% | 5,807 |
| Retained earnings to average equity (ytd only) | 0.7620% | 5,216 |
| Net charge-offs to loans | 0.0425% | 3,369 |
| Credit loss provision to net charge-offs | 578.9474% | 580 |
| Earnings coverage of net charge-offs (x) | 8.9474% | 2,882 |
| Efficiency ratio | 94.3857% | 468 |
| Assets per employee ($millions) | 2.6554% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,686 |
| 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 | 58.4457% | 4,024 |
| Net loans and leases to deposits | 65.3395% | 4,368 |
| Net loans and leases to core deposits | 66.0692% | 4,586 |
| Total domestic deposits to total assets | 89.4492% | 887 |
| Equity capital to assets | 9.8943% | 4,076 |
| Core capital (leverage) ratio | 9.9055% | 3,635 |
| Tier 1 risk-based capital ratio | 16.1814% | 2,610 |
| Total risk-based capital ratio | 17.3155% | 2,605 |
| Memoranda: | ||
| Average total assets | $75,749,200 | 4,953 |
| Average earning assets | $62,419,800 | 5,116 |
| Average equity | $7,874,400 | 5,085 |
| Average total loans | $44,666,600 | 4,843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,721 |
| Cost of funding earning assets | 0.0780% | 6,129 |
| Net interest margin | 3.8299% | 2,268 |
| Noninterest income to average assets | 0.8720% | 1,541 |
| Noninterest expense to average assets | 3.7946% | 859 |
| Loan and lease loss provision to assets | 0.1426% | 1,550 |
| Net operating income to assets | 0.0856% | 5,868 |
| Return on assets (ROA) | 0.0856% | 5,906 |
| Pretax return on assets | 0.0856% | 5,905 |
| Return on Equity (ROE) | 0.8130% | 5,883 |
| Retained earnings to average equity (ytd only) | 0.8130% | 5,374 |
| Net charge-offs to loans | 0.0182% | 3,585 |
| Credit loss provision to net charge-offs | 1,333.3333% | 280 |
| Earnings coverage of net charge-offs (x) | 21.3325% | 1,830 |
| Efficiency ratio | 94.3262% | 473 |
| Assets per employee ($millions) | 2.8465% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 4,003 |
| 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 | 57.9363% | 4,148 |
| Net loans and leases to deposits | 64.8544% | 4,481 |
| Net loans and leases to core deposits | 65.6072% | 4,719 |
| Total domestic deposits to total assets | 89.3329% | 852 |
| Equity capital to assets | 9.9632% | 4,196 |
| Core capital (leverage) ratio | 9.9561% | 3,702 |
| Tier 1 risk-based capital ratio | 16.0392% | 2,777 |
| Total risk-based capital ratio | 17.1319% | 2,793 |
| Memoranda: | ||
| Average total assets | $74,771,000 | 5,032 |
| Average earning assets | $61,513,750 | 5,208 |
| Average equity | $7,872,500 | 5,146 |
| Average total loans | $44,056,500 | 4,914 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,395 |
| Cost of funding earning assets | 0.0806% | 6,197 |
| Net interest margin | 3.8934% | 1,999 |
| Noninterest income to average assets | 0.8807% | 1,507 |
| Noninterest expense to average assets | 3.8016% | 865 |
| Loan and lease loss provision to assets | 0.1641% | 1,281 |
| Net operating income to assets | 0.0848% | 5,894 |
| Return on assets (ROA) | 0.0848% | 5,940 |
| Pretax return on assets | 0.0848% | 5,946 |
| Return on Equity (ROE) | 0.7898% | 5,928 |
| Retained earnings to average equity (ytd only) | 0.7898% | 5,246 |
| Net charge-offs to loans | 0.0278% | 3,111 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,992 |
| Efficiency ratio | 93.8555% | 525 |
| Assets per employee ($millions) | 2.6615% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,157 |
| 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 | 57.6707% | 4,149 |
| Net loans and leases to deposits | 64.6141% | 4,475 |
| Net loans and leases to core deposits | 65.3896% | 4,705 |
| Total domestic deposits to total assets | 89.2541% | 1,024 |
| Equity capital to assets | 10.2250% | 3,779 |
| Core capital (leverage) ratio | 10.6344% | 2,813 |
| Tier 1 risk-based capital ratio | 16.5600% | 2,585 |
| Total risk-based capital ratio | 17.6462% | 2,620 |
| Memoranda: | ||
| Average total assets | $73,127,000 | 5,123 |
| Average earning assets | $59,536,330 | 5,317 |
| Average equity | $7,849,670 | 5,196 |
| Average total loans | $43,172,330 | 4,985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 2,967 |
| Cost of funding earning assets | 0.0768% | 6,279 |
| Net interest margin | 3.9892% | 1,594 |
| Noninterest income to average assets | 0.9058% | 1,369 |
| Noninterest expense to average assets | 3.8538% | 827 |
| Loan and lease loss provision to assets | 0.1688% | 1,186 |
| Net operating income to assets | 0.0956% | 5,881 |
| Return on assets (ROA) | 0.0956% | 5,939 |
| Pretax return on assets | 0.0956% | 5,954 |
| Return on Equity (ROE) | 0.8686% | 5,937 |
| Retained earnings to average equity (ytd only) | 0.8686% | 5,115 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5792% | 617 |
| Assets per employee ($millions) | 2.4811% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 4,270 |
| 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 | 58.2930% | 3,901 |
| Net loans and leases to deposits | 65.8849% | 4,163 |
| Net loans and leases to core deposits | 66.4759% | 4,472 |
| Total domestic deposits to total assets | 88.4770% | 1,554 |
| Equity capital to assets | 11.0310% | 2,934 |
| Core capital (leverage) ratio | 10.8731% | 2,543 |
| Tier 1 risk-based capital ratio | 17.7379% | 2,224 |
| Total risk-based capital ratio | 18.8486% | 2,229 |
| Memoranda: | ||
| Average total assets | $71,099,000 | 5,234 |
| Average earning assets | $57,255,000 | 5,438 |
| Average equity | $7,828,500 | 5,246 |
| Average total loans | $42,247,000 | 5,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,619 |
| Cost of funding earning assets | 0.0846% | 6,364 |
| Net interest margin | 3.9413% | 2,083 |
| Noninterest income to average assets | 1.0283% | 1,156 |
| Noninterest expense to average assets | 4.1381% | 648 |
| Loan and lease loss provision to assets | 0.1753% | 1,472 |
| Net operating income to assets | -0.0862% | 6,148 |
| Return on assets (ROA) | -0.0862% | 6,153 |
| Pretax return on assets | -0.0862% | 6,134 |
| Return on Equity (ROE) | -0.7656% | 6,155 |
| Retained earnings to average equity (ytd only) | -0.7656% | 5,891 |
| Net charge-offs to loans | 0.0389% | 4,048 |
| Credit loss provision to net charge-offs | 800.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 4.0667% | 3,745 |
| Efficiency ratio | 97.8922% | 427 |
| Assets per employee ($millions) | 2.4223% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 4,609 |
| Loan loss allowance to noncurrent loans | 6,528.5714% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,027 |
| Noncurrent loans to loans | 0.0166% | 5,835 |
| Net loans and leases to total assets | 59.2304% | 3,891 |
| Net loans and leases to deposits | 67.0173% | 4,217 |
| Net loans and leases to core deposits | 67.6581% | 4,539 |
| Total domestic deposits to total assets | 88.3808% | 1,578 |
| Equity capital to assets | 10.9899% | 2,904 |
| Core capital (leverage) ratio | 10.8893% | 2,506 |
| Tier 1 risk-based capital ratio | 17.7622% | 2,214 |
| Total risk-based capital ratio | 18.8081% | 2,264 |
| Memoranda: | ||
| Average total assets | $68,460,800 | 5,335 |
| Average earning assets | $55,565,000 | 5,531 |
| Average equity | $7,706,400 | 5,268 |
| Average total loans | $38,597,400 | 5,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,887 |
| Cost of funding earning assets | 0.0867% | 6,446 |
| Net interest margin | 3.8817% | 2,318 |
| Noninterest income to average assets | 1.0272% | 1,169 |
| Noninterest expense to average assets | 4.1363% | 652 |
| Loan and lease loss provision to assets | 0.1764% | 1,394 |
| Net operating income to assets | -0.1274% | 6,236 |
| Return on assets (ROA) | -0.1274% | 6,242 |
| Pretax return on assets | -0.1274% | 6,220 |
| Return on Equity (ROE) | -1.1250% | 6,235 |
| Retained earnings to average equity (ytd only) | -1.1250% | 5,979 |
| Net charge-offs to loans | 0.0353% | 3,782 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 2.5004% | 3,899 |
| Efficiency ratio | 98.8290% | 406 |
| Assets per employee ($millions) | 2.3641% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 4,911 |
| Loan loss allowance to noncurrent loans | 1,728.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,025 |
| Noncurrent loans to loans | 0.0617% | 5,767 |
| Net loans and leases to total assets | 56.5565% | 4,262 |
| Net loans and leases to deposits | 63.8924% | 4,551 |
| Net loans and leases to core deposits | 64.4965% | 4,842 |
| Total domestic deposits to total assets | 88.5184% | 1,488 |
| Equity capital to assets | 10.8626% | 3,112 |
| Core capital (leverage) ratio | 11.1997% | 2,310 |
| Tier 1 risk-based capital ratio | 18.3372% | 2,109 |
| Total risk-based capital ratio | 19.3587% | 2,137 |
| Memoranda: | ||
| Average total assets | $68,014,500 | 5,401 |
| Average earning assets | $55,335,750 | 5,604 |
| Average equity | $7,703,000 | 5,313 |
| Average total loans | $37,730,750 | 5,311 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,130 |
| Cost of funding earning assets | 0.0878% | 6,510 |
| Net interest margin | 3.8139% | 2,518 |
| Noninterest income to average assets | 1.0113% | 1,171 |
| Noninterest expense to average assets | 4.1912% | 606 |
| Loan and lease loss provision to assets | 0.1790% | 1,370 |
| Net operating income to assets | -0.2476% | 6,344 |
| Return on assets (ROA) | -0.2476% | 6,357 |
| Pretax return on assets | -0.2476% | 6,336 |
| Return on Equity (ROE) | -2.1551% | 6,342 |
| Retained earnings to average equity (ytd only) | -2.1551% | 6,013 |
| Net charge-offs to loans | 0.0544% | 3,183 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | -2.3000% | 4,251 |
| Efficiency ratio | 101.6643% | 362 |
| Assets per employee ($millions) | 2.2877% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,164 |
| Loan loss allowance to noncurrent loans | 3,654.5455% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,188 |
| Noncurrent loans to loans | 0.0284% | 5,979 |
| Net loans and leases to total assets | 55.8704% | 4,302 |
| Net loans and leases to deposits | 63.2787% | 4,565 |
| Net loans and leases to core deposits | 64.4616% | 4,771 |
| Total domestic deposits to total assets | 88.2926% | 1,740 |
| Equity capital to assets | 11.1872% | 2,707 |
| Core capital (leverage) ratio | 11.4815% | 2,017 |
| Tier 1 risk-based capital ratio | 19.1334% | 1,893 |
| Total risk-based capital ratio | 20.1276% | 1,916 |
| Memoranda: | ||
| Average total assets | $67,045,330 | 5,474 |
| Average earning assets | $54,694,330 | 5,670 |
| Average equity | $7,702,670 | 5,342 |
| Average total loans | $36,793,330 | 5,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,060 |
| Cost of funding earning assets | 0.0811% | 6,602 |
| Net interest margin | 3.8251% | 2,366 |
| Noninterest income to average assets | 0.9660% | 1,211 |
| Noninterest expense to average assets | 4.2021% | 603 |
| Loan and lease loss provision to assets | 0.1811% | 1,325 |
| Net operating income to assets | -0.2838% | 6,389 |
| Return on assets (ROA) | -0.2838% | 6,391 |
| Pretax return on assets | -0.2838% | 6,383 |
| Return on Equity (ROE) | -2.4368% | 6,376 |
| Retained earnings to average equity (ytd only) | -2.4368% | 5,903 |
| Net charge-offs to loans | 0.0223% | 3,128 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | -8.5000% | 3,595 |
| Efficiency ratio | 102.5037% | 411 |
| Assets per employee ($millions) | 2.3506% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 5,428 |
| Loan loss allowance to noncurrent loans | 3,166.6667% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,258 |
| Noncurrent loans to loans | 0.0324% | 6,052 |
| Net loans and leases to total assets | 53.8494% | 4,439 |
| Net loans and leases to deposits | 62.1142% | 4,529 |
| Net loans and leases to core deposits | 62.9342% | 4,796 |
| Total domestic deposits to total assets | 86.6942% | 2,998 |
| Equity capital to assets | 11.3414% | 2,386 |
| Core capital (leverage) ratio | 11.7907% | 1,769 |
| Tier 1 risk-based capital ratio | 19.9093% | 1,747 |
| Total risk-based capital ratio | 20.8826% | 1,778 |
| Memoranda: | ||
| Average total assets | $66,252,000 | 5,560 |
| Average earning assets | $54,272,500 | 5,730 |
| Average equity | $7,715,000 | 5,367 |
| Average total loans | $35,816,500 | 5,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 5,317 |
| Cost of funding earning assets | 0.1299% | 6,607 |
| Net interest margin | 3.5062% | 3,870 |
| Noninterest income to average assets | 0.9737% | 1,453 |
| Noninterest expense to average assets | 4.1318% | 751 |
| Loan and lease loss provision to assets | 0.1423% | 2,529 |
| Net operating income to assets | -0.3983% | 6,458 |
| Return on assets (ROA) | -0.2260% | 6,389 |
| Pretax return on assets | -0.2260% | 6,373 |
| Return on Equity (ROE) | -1.8281% | 6,370 |
| Retained earnings to average equity (ytd only) | -1.8281% | 6,156 |
| Net charge-offs to loans | 0.0571% | 4,428 |
| Credit loss provision to net charge-offs | 562.5000% | 417 |
| Earnings coverage of net charge-offs (x) | -10.1250% | 5,425 |
| Efficiency ratio | 106.6069% | 328 |
| Assets per employee ($millions) | 2.2186% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 5,469 |
| Loan loss allowance to noncurrent loans | 255.0725% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 5,638 |
| Noncurrent loans to loans | 0.3995% | 5,014 |
| Net loans and leases to total assets | 53.1474% | 4,702 |
| Net loans and leases to deposits | 61.9434% | 4,732 |
| Net loans and leases to core deposits | 62.6080% | 5,009 |
| Total domestic deposits to total assets | 85.8000% | 3,361 |
| Equity capital to assets | 11.9665% | 1,828 |
| Core capital (leverage) ratio | 12.4608% | 1,380 |
| Tier 1 risk-based capital ratio | 21.5064% | 1,339 |
| Total risk-based capital ratio | 22.4747% | 1,365 |
| Memoranda: | ||
| Average total assets | $63,265,200 | 5,669 |
| Average earning assets | $52,364,000 | 5,824 |
| Average equity | $7,822,400 | 5,389 |
| Average total loans | $28,010,400 | 5,841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 5,510 |
| Cost of funding earning assets | 0.1403% | 6,671 |
| Net interest margin | 3.4361% | 4,141 |
| Noninterest income to average assets | 0.9820% | 1,506 |
| Noninterest expense to average assets | 3.9895% | 869 |
| Loan and lease loss provision to assets | 0.1270% | 2,706 |
| Net operating income to assets | -0.2836% | 6,515 |
| Return on assets (ROA) | -0.0529% | 6,378 |
| Pretax return on assets | -0.0529% | 6,363 |
| Return on Equity (ROE) | -0.4244% | 6,380 |
| Retained earnings to average equity (ytd only) | -0.4244% | 6,027 |
| Net charge-offs to loans | 0.0505% | 4,188 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | -7.4014% | 5,151 |
| Efficiency ratio | 104.0861% | 362 |
| Assets per employee ($millions) | 2.0591% | 6,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 5,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.9632% | 5,007 |
| Net loans and leases to deposits | 59.8840% | 4,984 |
| Net loans and leases to core deposits | 60.5532% | 5,255 |
| Total domestic deposits to total assets | 85.1033% | 3,686 |
| Equity capital to assets | 12.6595% | 1,497 |
| Core capital (leverage) ratio | 12.8749% | 1,255 |
| Tier 1 risk-based capital ratio | 23.0579% | 1,132 |
| Total risk-based capital ratio | 24.0108% | 1,165 |
| Memoranda: | ||
| Average total assets | $62,997,000 | 5,739 |
| Average earning assets | $52,266,750 | 5,896 |
| Average equity | $7,853,250 | 5,434 |
| Average total loans | $26,376,500 | 5,981 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 5,768 |
| Cost of funding earning assets | 0.1511% | 6,702 |
| Net interest margin | 3.3097% | 4,537 |
| Noninterest income to average assets | 0.9242% | 1,734 |
| Noninterest expense to average assets | 3.7757% | 1,130 |
| Loan and lease loss provision to assets | 0.0946% | 3,211 |
| Net operating income to assets | -0.1829% | 6,485 |
| Return on assets (ROA) | -0.1829% | 6,517 |
| Pretax return on assets | -0.1829% | 6,487 |
| Return on Equity (ROE) | -1.4750% | 6,494 |
| Retained earnings to average equity (ytd only) | -1.4750% | 6,122 |
| Net charge-offs to loans | 0.0407% | 4,107 |
| Credit loss provision to net charge-offs | 600.0000% | 481 |
| Earnings coverage of net charge-offs (x) | -5.6000% | 4,836 |
| Efficiency ratio | 102.3952% | 413 |
| Assets per employee ($millions) | 2.5138% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 5,568 |
| Loan loss allowance to noncurrent loans | 30,300.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,588 |
| Noncurrent loans to loans | 0.0035% | 6,443 |
| Net loans and leases to total assets | 44.8636% | 5,654 |
| Net loans and leases to deposits | 51.6165% | 5,719 |
| Net loans and leases to core deposits | 52.4022% | 5,859 |
| Total domestic deposits to total assets | 86.9172% | 2,869 |
| Equity capital to assets | 12.6722% | 1,487 |
| Core capital (leverage) ratio | 12.4919% | 1,362 |
| Tier 1 risk-based capital ratio | 24.7348% | 900 |
| Total risk-based capital ratio | 25.6831% | 928 |
| Memoranda: | ||
| Average total assets | $63,405,330 | 5,763 |
| Average earning assets | $52,935,670 | 5,900 |
| Average equity | $7,864,330 | 5,465 |
| Average total loans | $24,565,670 | 6,092 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 5,896 |
| Cost of funding earning assets | 0.1604% | 6,766 |
| Net interest margin | 3.2613% | 4,675 |
| Noninterest income to average assets | 0.8730% | 1,854 |
| Noninterest expense to average assets | 3.5236% | 1,574 |
| Loan and lease loss provision to assets | 0.0754% | 3,373 |
| Net operating income to assets | -0.0440% | 6,390 |
| Return on assets (ROA) | -0.0440% | 6,450 |
| Pretax return on assets | -0.0440% | 6,439 |
| Return on Equity (ROE) | -0.3583% | 6,449 |
| Retained earnings to average equity (ytd only) | -0.3583% | 5,845 |
| Net charge-offs to loans | 0.0354% | 3,525 |
| Credit loss provision to net charge-offs | 600.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,014 |
| Efficiency ratio | 99.1166% | 577 |
| Assets per employee ($millions) | 2.5259% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,806 |
| Loan loss allowance to noncurrent loans | 28,800.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 6,653 |
| Noncurrent loans to loans | 0.0044% | 6,503 |
| Net loans and leases to total assets | 33.8556% | 6,426 |
| Net loans and leases to deposits | 38.8008% | 6,471 |
| Net loans and leases to core deposits | 39.5559% | 6,499 |
| Total domestic deposits to total assets | 87.2550% | 2,790 |
| Equity capital to assets | 12.4100% | 1,767 |
| Core capital (leverage) ratio | 12.4167% | 1,376 |
| Tier 1 risk-based capital ratio | 27.9889% | 643 |
| Total risk-based capital ratio | 29.0022% | 641 |
| Memoranda: | ||
| Average total assets | $63,685,000 | 5,812 |
| Average earning assets | $52,371,500 | 5,969 |
| Average equity | $7,814,500 | 5,534 |
| Average total loans | $22,599,500 | 6,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 5,515 |
| Cost of funding earning assets | 0.2073% | 6,817 |
| Net interest margin | 3.7146% | 3,585 |
| Noninterest income to average assets | 0.9371% | 1,752 |
| Noninterest expense to average assets | 3.2420% | 2,484 |
| Loan and lease loss provision to assets | 0.0550% | 5,111 |
| Net operating income to assets | 0.4532% | 4,878 |
| Return on assets (ROA) | 0.4856% | 4,995 |
| Pretax return on assets | 0.4856% | 5,325 |
| Return on Equity (ROE) | 4.0058% | 5,138 |
| Retained earnings to average equity (ytd only) | 1.8026% | 4,952 |
| Net charge-offs to loans | 0.2375% | 3,514 |
| Credit loss provision to net charge-offs | 65.3846% | 4,305 |
| Earnings coverage of net charge-offs (x) | 6.0385% | 2,885 |
| Efficiency ratio | 86.4480% | 1,388 |
| Assets per employee ($millions) | 2.6825% | 6,441 |
| Cash dividends to net income (ytd only)* | 55.0000% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,994 |
| Loan loss allowance to noncurrent loans | 27,800.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 6,030 |
| Noncurrent loans to loans | 0.0044% | 6,577 |
| Net loans and leases to total assets | 36.3048% | 6,410 |
| Net loans and leases to deposits | 41.5235% | 6,480 |
| Net loans and leases to core deposits | 42.3830% | 6,531 |
| Total domestic deposits to total assets | 87.4321% | 2,560 |
| Equity capital to assets | 12.1221% | 1,965 |
| Core capital (leverage) ratio | 11.7439% | 1,707 |
| Tier 1 risk-based capital ratio | 24.6193% | 894 |
| Total risk-based capital ratio | 25.5685% | 909 |
| Memoranda: | ||
| Average total assets | $61,783,400 | 5,880 |
| Average earning assets | $46,788,800 | 6,157 |
| Average equity | $7,489,200 | 5,643 |
| Average total loans | $21,896,400 | 6,344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 5,483 |
| Cost of funding earning assets | 0.2140% | 6,920 |
| Net interest margin | 3.7980% | 3,342 |
| Noninterest income to average assets | 0.9535% | 1,663 |
| Noninterest expense to average assets | 3.2057% | 2,546 |
| Loan and lease loss provision to assets | 0.0302% | 5,405 |
| Net operating income to assets | 0.5501% | 4,624 |
| Return on assets (ROA) | 0.5933% | 4,684 |
| Pretax return on assets | 0.5933% | 5,189 |
| Return on Equity (ROE) | 4.8942% | 4,871 |
| Retained earnings to average equity (ytd only) | 2.9009% | 4,815 |
| Net charge-offs to loans | 0.1536% | 3,887 |
| Credit loss provision to net charge-offs | 56.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | 10.7609% | 2,149 |
| Efficiency ratio | 84.6724% | 1,512 |
| Assets per employee ($millions) | 2.7283% | 6,457 |
| Cash dividends to net income (ytd only)* | 40.7271% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 5,118 |
| Loan loss allowance to noncurrent loans | 190.0000% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,099 |
| Noncurrent loans to loans | 0.6501% | 5,145 |
| Net loans and leases to total assets | 36.3160% | 6,532 |
| Net loans and leases to deposits | 41.4964% | 6,621 |
| Net loans and leases to core deposits | 42.5764% | 6,649 |
| Total domestic deposits to total assets | 87.5159% | 2,338 |
| Equity capital to assets | 12.0411% | 2,222 |
| Core capital (leverage) ratio | 11.6798% | 1,853 |
| Tier 1 risk-based capital ratio | 26.0518% | 817 |
| Total risk-based capital ratio | 27.0774% | 827 |
| Memoranda: | ||
| Average total assets | $61,805,000 | 5,946 |
| Average earning assets | $46,093,750 | 6,246 |
| Average equity | $7,491,750 | 5,694 |
| Average total loans | $21,701,250 | 6,436 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 5,564 |
| Cost of funding earning assets | 0.2259% | 6,978 |
| Net interest margin | 3.8009% | 3,353 |
| Noninterest income to average assets | 0.9693% | 1,549 |
| Noninterest expense to average assets | 3.1973% | 2,601 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6180% | 4,293 |
| Return on assets (ROA) | 0.6180% | 4,541 |
| Pretax return on assets | 0.6180% | 5,077 |
| Return on Equity (ROE) | 5.0868% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.6678% | 4,154 |
| Net charge-offs to loans | 0.0565% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,035 |
| Efficiency ratio | 83.8022% | 1,655 |
| Assets per employee ($millions) | 2.8469% | 6,329 |
| Cash dividends to net income (ytd only)* | 27.8947% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,911 |
| Loan loss allowance to noncurrent loans | 29,000.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,867 |
| Noncurrent loans to loans | 0.0045% | 6,710 |
| Net loans and leases to total assets | 35.2876% | 6,651 |
| Net loans and leases to deposits | 40.2722% | 6,725 |
| Net loans and leases to core deposits | 41.0891% | 6,772 |
| Total domestic deposits to total assets | 87.6227% | 2,381 |
| Equity capital to assets | 11.9893% | 2,159 |
| Core capital (leverage) ratio | 11.5780% | 1,852 |
| Tier 1 risk-based capital ratio | 24.8493% | 915 |
| Total risk-based capital ratio | 25.8483% | 932 |
| Memoranda: | ||
| Average total assets | $61,489,330 | 5,993 |
| Average earning assets | $46,041,670 | 6,288 |
| Average equity | $7,470,330 | 5,719 |
| Average total loans | $21,243,670 | 6,499 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 5,888 |
| Cost of funding earning assets | 0.2418% | 7,025 |
| Net interest margin | 3.7141% | 3,770 |
| Noninterest income to average assets | 0.9981% | 1,428 |
| Noninterest expense to average assets | 3.2371% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5844% | 4,421 |
| Return on assets (ROA) | 0.5844% | 4,640 |
| Pretax return on assets | 0.5844% | 5,165 |
| Return on Equity (ROE) | 4.7779% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.7779% | 3,690 |
| Net charge-offs to loans | 0.1161% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 1,449 |
| Efficiency ratio | 84.7079% | 1,611 |
| Assets per employee ($millions) | 2.8756% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,520 |
| 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 | 31.8401% | 6,836 |
| Net loans and leases to deposits | 36.2682% | 6,882 |
| Net loans and leases to core deposits | 36.9949% | 6,909 |
| Total domestic deposits to total assets | 87.7907% | 2,470 |
| Equity capital to assets | 11.8126% | 2,173 |
| Core capital (leverage) ratio | 11.7799% | 1,721 |
| Tier 1 risk-based capital ratio | 25.9432% | 808 |
| Total risk-based capital ratio | 26.9933% | 809 |
| Memoranda: | ||
| Average total assets | $60,918,500 | 6,037 |
| Average earning assets | $46,310,000 | 6,318 |
| Average equity | $7,451,000 | 5,753 |
| Average total loans | $20,670,000 | 6,585 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 5,987 |
| Cost of funding earning assets | 0.3421% | 7,031 |
| Net interest margin | 3.8834% | 3,408 |
| Noninterest income to average assets | 0.9801% | 1,424 |
| Noninterest expense to average assets | 3.5573% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5428% | 4,261 |
| Return on assets (ROA) | 0.5428% | 4,450 |
| Pretax return on assets | 0.5428% | 4,862 |
| Return on Equity (ROE) | 4.2547% | 4,737 |
| Retained earnings to average equity (ytd only) | 1.7344% | 4,986 |
| Net charge-offs to loans | 0.0966% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 16.5263% | 1,322 |
| Efficiency ratio | 86.7622% | 1,471 |
| Assets per employee ($millions) | 2.5467% | 6,789 |
| Cash dividends to net income (ytd only)* | 59.2357% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,407 |
| Loan loss allowance to noncurrent loans | 9,833.3333% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,987 |
| Noncurrent loans to loans | 0.0143% | 6,802 |
| Net loans and leases to total assets | 35.1897% | 6,804 |
| Net loans and leases to deposits | 40.5158% | 6,855 |
| Net loans and leases to core deposits | 41.4029% | 6,903 |
| Total domestic deposits to total assets | 86.8542% | 2,846 |
| Equity capital to assets | 12.6831% | 1,668 |
| Core capital (leverage) ratio | 12.1815% | 1,503 |
| Tier 1 risk-based capital ratio | 24.2686% | 944 |
| Total risk-based capital ratio | 25.2804% | 953 |
| Memoranda: | ||
| Average total assets | $57,852,400 | 6,113 |
| Average earning assets | $46,480,200 | 6,312 |
| Average equity | $7,380,000 | 5,753 |
| Average total loans | $19,672,600 | 6,672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 6,057 |
| Cost of funding earning assets | 0.3738% | 7,077 |
| Net interest margin | 3.8880% | 3,443 |
| Noninterest income to average assets | 0.9687% | 1,423 |
| Noninterest expense to average assets | 3.5834% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5109% | 4,502 |
| Return on assets (ROA) | 0.5109% | 4,687 |
| Pretax return on assets | 0.5109% | 5,131 |
| Return on Equity (ROE) | 3.9993% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.6421% | 4,779 |
| Net charge-offs to loans | 0.0138% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 110.3596% | 329 |
| Efficiency ratio | 87.5212% | 1,383 |
| Assets per employee ($millions) | 2.5548% | 6,832 |
| Cash dividends to net income (ytd only)* | 33.9374% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 4,181 |
| Loan loss allowance to noncurrent loans | 7,825.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,060 |
| Noncurrent loans to loans | 0.0190% | 6,896 |
| Net loans and leases to total assets | 35.3551% | 6,897 |
| Net loans and leases to deposits | 40.7657% | 6,950 |
| Net loans and leases to core deposits | 41.6558% | 6,993 |
| Total domestic deposits to total assets | 86.7276% | 2,804 |
| Equity capital to assets | 12.7517% | 1,757 |
| Core capital (leverage) ratio | 12.0154% | 1,696 |
| Tier 1 risk-based capital ratio | 25.9150% | 845 |
| Total risk-based capital ratio | 27.0582% | 833 |
| Memoranda: | ||
| Average total assets | $57,672,000 | 6,159 |
| Average earning assets | $46,364,000 | 6,370 |
| Average equity | $7,367,750 | 5,794 |
| Average total loans | $19,364,000 | 6,758 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 6,181 |
| Cost of funding earning assets | 0.4007% | 7,125 |
| Net interest margin | 3.8431% | 3,569 |
| Noninterest income to average assets | 0.9318% | 1,529 |
| Noninterest expense to average assets | 3.6155% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4293% | 4,815 |
| Return on assets (ROA) | 0.4293% | 4,963 |
| Pretax return on assets | 0.4293% | 5,298 |
| Return on Equity (ROE) | 3.3579% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.6481% | 4,607 |
| Net charge-offs to loans | 0.0106% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 287 |
| Efficiency ratio | 89.3874% | 1,285 |
| Assets per employee ($millions) | 2.3764% | 7,051 |
| Cash dividends to net income (ytd only)* | 21.1382% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 4,011 |
| Loan loss allowance to noncurrent loans | 4,485.7143% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,089 |
| Noncurrent loans to loans | 0.0340% | 6,896 |
| Net loans and leases to total assets | 35.5636% | 6,981 |
| Net loans and leases to deposits | 41.0928% | 7,030 |
| Net loans and leases to core deposits | 42.0173% | 7,067 |
| Total domestic deposits to total assets | 86.5446% | 3,016 |
| Equity capital to assets | 12.9837% | 1,523 |
| Core capital (leverage) ratio | 12.0512% | 1,572 |
| Tier 1 risk-based capital ratio | 26.1672% | 800 |
| Total risk-based capital ratio | 27.3335% | 787 |
| Memoranda: | ||
| Average total assets | $57,309,000 | 6,226 |
| Average earning assets | $46,421,330 | 6,427 |
| Average equity | $7,326,000 | 5,828 |
| Average total loans | $18,789,330 | 6,845 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 6,253 |
| Cost of funding earning assets | 0.4369% | 7,144 |
| Net interest margin | 3.7778% | 3,721 |
| Noninterest income to average assets | 0.8843% | 1,715 |
| Noninterest expense to average assets | 3.6347% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3203% | 5,310 |
| Return on assets (ROA) | 0.3203% | 5,388 |
| Pretax return on assets | 0.3203% | 5,593 |
| Return on Equity (ROE) | 2.5252% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.5252% | 4,647 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9014% | 1,171 |
| Assets per employee ($millions) | 2.2893% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 3,444 |
| Loan loss allowance to noncurrent loans | 15,750.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,632 |
| Noncurrent loans to loans | 0.0106% | 7,048 |
| Net loans and leases to total assets | 32.3892% | 7,152 |
| Net loans and leases to deposits | 37.3030% | 7,189 |
| Net loans and leases to core deposits | 38.9040% | 7,196 |
| Total domestic deposits to total assets | 86.8273% | 3,034 |
| Equity capital to assets | 12.7481% | 1,500 |
| Core capital (leverage) ratio | 12.0364% | 1,547 |
| Tier 1 risk-based capital ratio | 27.3856% | 676 |
| Total risk-based capital ratio | 28.6190% | 659 |
| Memoranda: | ||
| Average total assets | $57,447,000 | 6,276 |
| Average earning assets | $46,694,000 | 6,466 |
| Average equity | $7,286,500 | 5,847 |
| Average total loans | $17,885,500 | 6,948 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 6,756 |
| Cost of funding earning assets | 0.5791% | 7,165 |
| Net interest margin | 3.7390% | 4,184 |
| Noninterest income to average assets | 0.8250% | 2,164 |
| Noninterest expense to average assets | 3.4595% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4766% | 4,205 |
| Return on assets (ROA) | 0.4766% | 4,364 |
| Pretax return on assets | 0.4766% | 4,704 |
| Return on Equity (ROE) | 3.7020% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.2654% | 4,919 |
| Net charge-offs to loans | 0.1122% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 16.1765% | 1,227 |
| Efficiency ratio | 87.8908% | 1,492 |
| Assets per employee ($millions) | 2.2178% | 7,290 |
| Cash dividends to net income (ytd only)* | 65.8182% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,658 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 6,673 |
| Noncurrent loans to loans | 0.0414% | 7,025 |
| Net loans and leases to total assets | 28.7954% | 7,383 |
| Net loans and leases to deposits | 33.1153% | 7,410 |
| Net loans and leases to core deposits | 34.1674% | 7,421 |
| Total domestic deposits to total assets | 86.9550% | 2,845 |
| Equity capital to assets | 12.6201% | 1,567 |
| Core capital (leverage) ratio | 12.1737% | 1,447 |
| Tier 1 risk-based capital ratio | 27.0941% | 669 |
| Total risk-based capital ratio | 28.3224% | 664 |
| Memoranda: | ||
| Average total assets | $57,696,000 | 6,282 |
| Average earning assets | $48,007,800 | 6,428 |
| Average equity | $7,428,400 | 5,898 |
| Average total loans | $15,150,400 | 7,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 6,877 |
| Cost of funding earning assets | 0.6056% | 7,277 |
| Net interest margin | 3.7544% | 4,174 |
| Noninterest income to average assets | 0.8295% | 2,087 |
| Noninterest expense to average assets | 3.3041% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6770% | 3,517 |
| Return on assets (ROA) | 0.6770% | 3,676 |
| Pretax return on assets | 0.6770% | 4,315 |
| Return on Equity (ROE) | 5.2323% | 4,178 |
| Retained earnings to average equity (ytd only) | 2.6608% | 4,558 |
| Net charge-offs to loans | 0.1360% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 19.5330% | 1,206 |
| Efficiency ratio | 82.9948% | 1,947 |
| Assets per employee ($millions) | 2.0764% | 7,487 |
| Cash dividends to net income (ytd only)* | 49.1476% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,779 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 29.1850% | 7,486 |
| Net loans and leases to deposits | 33.8512% | 7,521 |
| Net loans and leases to core deposits | 35.9344% | 7,503 |
| Total domestic deposits to total assets | 86.2155% | 2,964 |
| Equity capital to assets | 13.3564% | 1,417 |
| Core capital (leverage) ratio | 12.2838% | 1,517 |
| Tier 1 risk-based capital ratio | 28.2750% | 610 |
| Total risk-based capital ratio | 29.5265% | 595 |
| Memoranda: | ||
| Average total assets | $57,704,500 | 6,361 |
| Average earning assets | $48,440,000 | 6,490 |
| Average equity | $7,466,250 | 5,959 |
| Average total loans | $14,708,250 | 7,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 6,962 |
| Cost of funding earning assets | 0.6228% | 7,359 |
| Net interest margin | 3.7410% | 4,180 |
| Noninterest income to average assets | 0.7622% | 2,316 |
| Noninterest expense to average assets | 3.1244% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8137% | 2,908 |
| Return on assets (ROA) | 0.8137% | 3,056 |
| Pretax return on assets | 0.8137% | 3,830 |
| Return on Equity (ROE) | 6.3547% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.0756% | 3,489 |
| Net charge-offs to loans | 0.2135% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,435 |
| Efficiency ratio | 79.3374% | 2,525 |
| Assets per employee ($millions) | 2.0901% | 7,520 |
| Cash dividends to net income (ytd only)* | 35.8650% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1590% | 1,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 6,833 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.5476% | 7,631 |
| Net loans and leases to deposits | 28.2812% | 7,659 |
| Net loans and leases to core deposits | 31.0872% | 7,642 |
| Total domestic deposits to total assets | 86.7984% | 2,650 |
| Equity capital to assets | 12.8343% | 1,639 |
| Core capital (leverage) ratio | 11.9722% | 1,657 |
| Tier 1 risk-based capital ratio | 27.6273% | 658 |
| Total risk-based capital ratio | 28.8773% | 638 |
| Memoranda: | ||
| Average total assets | $58,251,670 | 6,380 |
| Average earning assets | $49,452,670 | 6,492 |
| Average equity | $7,459,000 | 5,981 |
| Average total loans | $14,051,330 | 7,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 6,674 |
| Cost of funding earning assets | 0.6480% | 7,450 |
| Net interest margin | 3.9039% | 3,309 |
| Noninterest income to average assets | 0.7433% | 2,341 |
| Noninterest expense to average assets | 2.9458% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1150% | 1,781 |
| Return on assets (ROA) | 1.1150% | 1,865 |
| Pretax return on assets | 1.1150% | 2,685 |
| Return on Equity (ROE) | 8.7179% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7179% | 1,477 |
| Net charge-offs to loans | 0.0291% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 206 |
| Efficiency ratio | 72.5424% | 3,833 |
| Assets per employee ($millions) | 2.5515% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4050% | 1,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.8883% | 7,746 |
| Net loans and leases to deposits | 26.3595% | 7,774 |
| Net loans and leases to core deposits | 29.4465% | 7,752 |
| Total domestic deposits to total assets | 86.8314% | 2,718 |
| Equity capital to assets | 12.8517% | 1,578 |
| Core capital (leverage) ratio | 12.0592% | 1,623 |
| Tier 1 risk-based capital ratio | 30.7709% | 488 |
| Total risk-based capital ratio | 32.0251% | 477 |
| Memoranda: | ||
| Average total assets | $58,116,000 | 6,467 |
| Average earning assets | $49,386,000 | 6,576 |
| Average equity | $7,433,000 | 6,042 |
| Average total loans | $13,735,500 | 7,456 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 6,811 |
| Cost of funding earning assets | 0.5915% | 7,779 |
| Net interest margin | 4.2683% | 1,823 |
| Noninterest income to average assets | 0.8147% | 2,335 |
| Noninterest expense to average assets | 3.3063% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3657% | 907 |
| Return on assets (ROA) | 1.3657% | 961 |
| Pretax return on assets | 1.3657% | 1,514 |
| Return on Equity (ROE) | 10.2265% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.0988% | 2,343 |
| Net charge-offs to loans | 0.0219% | 6,927 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 248.6667% | 109 |
| Efficiency ratio | 70.7680% | 4,481 |
| Assets per employee ($millions) | 2.5020% | 7,203 |
| Cash dividends to net income (ytd only)* | 59.9196% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4219% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 23.2436% | 7,823 |
| Net loans and leases to deposits | 26.7547% | 7,856 |
| Net loans and leases to core deposits | 34.4529% | 7,831 |
| Total domestic deposits to total assets | 86.8768% | 2,573 |
| Equity capital to assets | 12.7270% | 1,626 |
| Core capital (leverage) ratio | 11.8534% | 1,735 |
| Tier 1 risk-based capital ratio | 28.4233% | 613 |
| Total risk-based capital ratio | 29.6757% | 597 |
| Memoranda: | ||
| Average total assets | $54,623,400 | 6,538 |
| Average earning assets | $49,364,400 | 6,550 |
| Average equity | $7,294,800 | 6,175 |
| Average total loans | $13,713,800 | 7,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 6,934 |
| Cost of funding earning assets | 0.5634% | 7,903 |
| Net interest margin | 4.3151% | 1,694 |
| Noninterest income to average assets | 0.8412% | 2,240 |
| Noninterest expense to average assets | 3.3300% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4522% | 911 |
| Return on assets (ROA) | 1.4522% | 974 |
| Pretax return on assets | 1.4522% | 1,551 |
| Return on Equity (ROE) | 10.7396% | 1,697 |
| Retained earnings to average equity (ytd only) | 6.4583% | 1,733 |
| Net charge-offs to loans | 0.0195% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 293.1273% | 123 |
| Efficiency ratio | 69.6327% | 4,666 |
| Assets per employee ($millions) | 2.2228% | 7,592 |
| Cash dividends to net income (ytd only)* | 39.8633% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4206% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 25.1636% | 7,882 |
| Net loans and leases to deposits | 29.4367% | 7,918 |
| Net loans and leases to core deposits | 34.0866% | 7,916 |
| Total domestic deposits to total assets | 85.4837% | 2,979 |
| Equity capital to assets | 14.0364% | 1,295 |
| Core capital (leverage) ratio | 13.0820% | 1,352 |
| Tier 1 risk-based capital ratio | 29.9831% | 566 |
| Total risk-based capital ratio | 31.2373% | 553 |
| Memoranda: | ||
| Average total assets | $53,892,500 | 6,609 |
| Average earning assets | $49,221,250 | 6,606 |
| Average equity | $7,287,500 | 6,231 |
| Average total loans | $13,715,250 | 7,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 6,828 |
| Cost of funding earning assets | 0.5775% | 8,002 |
| Net interest margin | 4.4059% | 1,398 |
| Noninterest income to average assets | 0.8174% | 2,325 |
| Noninterest expense to average assets | 3.3620% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4905% | 852 |
| Return on assets (ROA) | 1.4905% | 913 |
| Pretax return on assets | 1.4905% | 1,472 |
| Return on Equity (ROE) | 11.1624% | 1,656 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,396 |
| Net charge-offs to loans | 0.0292% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 201.5000% | 208 |
| Efficiency ratio | 69.2835% | 4,925 |
| Assets per employee ($millions) | 2.2056% | 7,665 |
| Cash dividends to net income (ytd only)* | 33.0025% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5987% | 824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 23.5784% | 7,998 |
| Net loans and leases to deposits | 27.4755% | 8,018 |
| Net loans and leases to core deposits | 31.3042% | 8,026 |
| Total domestic deposits to total assets | 85.8163% | 2,878 |
| Equity capital to assets | 13.6604% | 1,436 |
| Core capital (leverage) ratio | 12.6802% | 1,547 |
| Tier 1 risk-based capital ratio | 30.7991% | 554 |
| Total risk-based capital ratio | 32.0534% | 540 |
| Memoranda: | ||
| Average total assets | $54,074,330 | 6,670 |
| Average earning assets | $49,524,330 | 6,651 |
| Average equity | $7,220,670 | 6,296 |
| Average total loans | $13,701,330 | 7,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 6,696 |
| Cost of funding earning assets | 0.6046% | 8,052 |
| Net interest margin | 4.4787% | 1,179 |
| Noninterest income to average assets | 0.8052% | 2,296 |
| Noninterest expense to average assets | 3.2428% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6836% | 668 |
| Return on assets (ROA) | 1.6836% | 735 |
| Pretax return on assets | 1.6836% | 1,209 |
| Return on Equity (ROE) | 12.7503% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.7503% | 676 |
| Net charge-offs to loans | 0.0283% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 184 |
| Efficiency ratio | 65.8247% | 5,357 |
| Assets per employee ($millions) | 2.2980% | 7,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 25.6672% | 8,007 |
| Net loans and leases to deposits | 29.7570% | 8,042 |
| Net loans and leases to core deposits | 33.6879% | 8,051 |
| Total domestic deposits to total assets | 86.2562% | 2,583 |
| Equity capital to assets | 13.3087% | 1,610 |
| Core capital (leverage) ratio | 12.4356% | 1,712 |
| Tier 1 risk-based capital ratio | 29.7744% | 631 |
| Total risk-based capital ratio | 31.0251% | 616 |
| Memoranda: | ||
| Average total assets | $54,644,500 | 6,684 |
| Average earning assets | $50,282,000 | 6,650 |
| Average equity | $7,215,500 | 6,331 |
| Average total loans | $14,145,000 | 7,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 7,587 |
| Cost of funding earning assets | 1.2097% | 7,933 |
| Net interest margin | 4.1016% | 2,706 |
| Noninterest income to average assets | 1.0186% | 1,529 |
| Noninterest expense to average assets | 3.3394% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4429% | 1,139 |
| Return on assets (ROA) | 1.4429% | 1,094 |
| Pretax return on assets | 1.4429% | 1,844 |
| Return on Equity (ROE) | 11.7383% | 1,672 |
| Retained earnings to average equity (ytd only) | 4.7608% | 2,179 |
| Net charge-offs to loans | 0.0580% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 98.6250% | 437 |
| Efficiency ratio | 69.8279% | 4,387 |
| Assets per employee ($millions) | 2.1655% | 7,755 |
| Cash dividends to net income (ytd only)* | 59.4423% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4274% | 741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.8739% | 8,091 |
| Net loans and leases to deposits | 28.8055% | 8,126 |
| Net loans and leases to core deposits | 32.8712% | 8,132 |
| Total domestic deposits to total assets | 86.3513% | 2,238 |
| Equity capital to assets | 13.0983% | 1,745 |
| Core capital (leverage) ratio | 11.9337% | 1,999 |
| Tier 1 risk-based capital ratio | 29.0487% | 694 |
| Total risk-based capital ratio | 30.3026% | 682 |
| Memoranda: | ||
| Average total assets | $54,680,600 | 6,595 |
| Average earning assets | $50,175,800 | 6,583 |
| Average equity | $6,721,600 | 6,559 |
| Average total loans | $13,798,600 | 7,716 |