Home > Farmers and Merchants Bank of Ashland > Performance and Condition Ratios
Farmers and Merchants Bank of Ashland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 1,797 |
| Cost of funding earning assets | 1.0497% | 3,194 |
| Net interest margin | 4.0783% | 1,095 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.0733% | 1,002 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6653% | 3,280 |
| Return on assets (ROA) | 0.6769% | 3,228 |
| Pretax return on assets | 0.8221% | 3,159 |
| Return on Equity (ROE) | 8.1900% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.2137% | 2,529 |
| Net charge-offs to loans | 0.0316% | 1,665 |
| Credit loss provision to net charge-offs | 290.3226% | 979 |
| Earnings coverage of net charge-offs (x) | 34.1290% | 1,551 |
| Efficiency ratio | 77.6793% | 1,096 |
| Assets per employee ($millions) | 6.2272% | 2,608 |
| Cash dividends to net income (ytd only)* | 36.3748% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,496 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.7900% | 363 |
| Net loans and leases to deposits | 104.5540% | 338 |
| Net loans and leases to core deposits | 112.2901% | 877 |
| Total domestic deposits to total assets | 79.1800% | 3,585 |
| Equity capital to assets | 8.3064% | 3,191 |
| Core capital (leverage) ratio | 8.7074% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9916% | 1,532 |
| Memoranda: | ||
| Average total assets | $119,808,000 | 3,655 |
| Average earning assets | $107,741,800 | 3,668 |
| Average equity | $9,897,000 | 3,735 |
| Average total loans | $98,165,200 | 3,195 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 1,830 |
| Cost of funding earning assets | 0.8023% | 3,508 |
| Net interest margin | 4.1956% | 929 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.0988% | 928 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7193% | 3,262 |
| Return on assets (ROA) | 0.7283% | 3,221 |
| Pretax return on assets | 0.9082% | 3,083 |
| Return on Equity (ROE) | 8.8300% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.8781% | 2,976 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9504% | 1,173 |
| Assets per employee ($millions) | 6.1697% | 2,599 |
| Cash dividends to net income (ytd only)* | 44.7531% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.9700% | 436 |
| Net loans and leases to deposits | 101.1166% | 467 |
| Net loans and leases to core deposits | 106.6510% | 987 |
| Total domestic deposits to total assets | 81.0700% | 3,370 |
| Equity capital to assets | 7.9494% | 3,085 |
| Core capital (leverage) ratio | 8.8370% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1177% | 1,849 |
| Memoranda: | ||
| Average total assets | $118,624,250 | 3,671 |
| Average earning assets | $106,521,000 | 3,692 |
| Average equity | $9,785,000 | 3,743 |
| Average total loans | $96,680,250 | 3,216 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8585% | 1,864 |
| Cost of funding earning assets | 0.7025% | 3,482 |
| Net interest margin | 4.1560% | 995 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 3.1290% | 870 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6906% | 3,358 |
| Return on assets (ROA) | 0.6989% | 3,352 |
| Pretax return on assets | 0.8613% | 3,261 |
| Return on Equity (ROE) | 8.3700% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.4004% | 2,824 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6429% | 1,119 |
| Assets per employee ($millions) | 5.6179% | 3,044 |
| Cash dividends to net income (ytd only)* | 35.4523% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.2000% | 498 |
| Net loans and leases to deposits | 96.2715% | 719 |
| Net loans and leases to core deposits | 101.5240% | 1,157 |
| Total domestic deposits to total assets | 84.3400% | 2,743 |
| Equity capital to assets | 8.3950% | 2,952 |
| Core capital (leverage) ratio | 8.9917% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3756% | 1,768 |
| Memoranda: | ||
| Average total assets | $117,034,667 | 3,699 |
| Average earning assets | $105,054,000 | 3,727 |
| Average equity | $9,777,000 | 3,768 |
| Average total loans | $94,852,000 | 3,237 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,794 |
| Cost of funding earning assets | 0.5921% | 3,401 |
| Net interest margin | 4.1297% | 1,054 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.0884% | 955 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.7710% | 3,296 |
| Return on assets (ROA) | 0.7824% | 3,202 |
| Pretax return on assets | 0.9437% | 3,143 |
| Return on Equity (ROE) | 9.3900% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.4179% | 3,407 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.0132% | 1,337 |
| Assets per employee ($millions) | 5.9217% | 2,821 |
| Cash dividends to net income (ytd only)* | 63.5965% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,365 |
| Loan loss allowance to noncurrent loans | 98,400.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,933 |
| Noncurrent loans to loans | 0.0011% | 3,871 |
| Net loans and leases to total assets | 79.4800% | 587 |
| Net loans and leases to deposits | 91.2305% | 964 |
| Net loans and leases to core deposits | 95.4945% | 1,311 |
| Total domestic deposits to total assets | 87.1200% | 2,219 |
| Equity capital to assets | 8.2815% | 3,051 |
| Core capital (leverage) ratio | 9.0055% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3471% | 1,853 |
| Memoranda: | ||
| Average total assets | $116,564,500 | 3,757 |
| Average earning assets | $104,705,000 | 3,775 |
| Average equity | $9,713,500 | 3,818 |
| Average total loans | $93,881,500 | 3,283 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 1,599 |
| Cost of funding earning assets | 0.1706% | 3,996 |
| Net interest margin | 3.8758% | 1,012 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.8376% | 1,245 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.6236% | 3,822 |
| Return on assets (ROA) | 0.6229% | 3,774 |
| Pretax return on assets | 0.7754% | 3,682 |
| Return on Equity (ROE) | 7.4900% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.4526% | 3,251 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.6035% | 1,058 |
| Assets per employee ($millions) | 5.4617% | 3,258 |
| Cash dividends to net income (ytd only)* | 40.5594% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.9600% | 595 |
| Net loans and leases to deposits | 95.3823% | 684 |
| Net loans and leases to core deposits | 97.1824% | 1,143 |
| Total domestic deposits to total assets | 83.8300% | 3,245 |
| Equity capital to assets | 8.3865% | 2,779 |
| Core capital (leverage) ratio | 9.1418% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8646% | 1,670 |
| Memoranda: | ||
| Average total assets | $114,778,800 | 3,780 |
| Average earning assets | $102,559,600 | 3,811 |
| Average equity | $9,545,000 | 3,927 |
| Average total loans | $83,881,200 | 3,358 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 1,511 |
| Cost of funding earning assets | 0.1391% | 3,948 |
| Net interest margin | 3.7503% | 1,035 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.7166% | 1,434 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.6253% | 3,767 |
| Return on assets (ROA) | 0.6225% | 3,733 |
| Pretax return on assets | 0.7967% | 3,581 |
| Return on Equity (ROE) | 7.5000% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.4429% | 3,650 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.3011% | 1,246 |
| Assets per employee ($millions) | 5.2978% | 3,419 |
| Cash dividends to net income (ytd only)* | 54.1045% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,510 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 80.4300% | 497 |
| Net loans and leases to deposits | 90.0958% | 884 |
| Net loans and leases to core deposits | 92.0324% | 1,177 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 8.3162% | 2,669 |
| Core capital (leverage) ratio | 8.9706% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2336% | 1,640 |
| Memoranda: | ||
| Average total assets | $114,799,500 | 3,802 |
| Average earning assets | $102,568,250 | 3,836 |
| Average equity | $9,526,500 | 3,976 |
| Average total loans | $81,688,750 | 3,404 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 1,655 |
| Cost of funding earning assets | 0.1371% | 3,747 |
| Net interest margin | 3.5230% | 1,256 |
| Noninterest income to average assets | 0.3345% | 3,152 |
| Noninterest expense to average assets | 2.6435% | 1,515 |
| Loan and lease loss provision to assets | 0.1035% | 967 |
| Net operating income to assets | 0.6006% | 3,623 |
| Return on assets (ROA) | 0.5949% | 3,585 |
| Pretax return on assets | 0.7277% | 3,508 |
| Return on Equity (ROE) | 7.1740% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.1589% | 3,028 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9287% | 1,295 |
| Assets per employee ($millions) | 6.0512% | 2,697 |
| Cash dividends to net income (ytd only)* | 42.0290% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.8285% | 1,218 |
| Net loans and leases to deposits | 78.7074% | 1,486 |
| Net loans and leases to core deposits | 80.3261% | 1,693 |
| Total domestic deposits to total assets | 89.9897% | 1,710 |
| Equity capital to assets | 8.2055% | 2,969 |
| Core capital (leverage) ratio | 8.6781% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1557% | 1,404 |
| Memoranda: | ||
| Average total assets | $115,981,667 | 3,835 |
| Average earning assets | $103,605,333 | 3,872 |
| Average equity | $9,618,000 | 4,040 |
| Average total loans | $78,790,667 | 3,468 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 1,451 |
| Cost of funding earning assets | 0.1348% | 3,704 |
| Net interest margin | 3.4844% | 1,119 |
| Noninterest income to average assets | 0.3880% | 2,770 |
| Noninterest expense to average assets | 2.8089% | 1,142 |
| Loan and lease loss provision to assets | 0.1030% | 806 |
| Net operating income to assets | 0.5013% | 3,715 |
| Return on assets (ROA) | 0.5013% | 3,679 |
| Pretax return on assets | 0.5838% | 3,681 |
| Return on Equity (ROE) | 6.0144% | 3,341 |
| Retained earnings to average equity (ytd only) | 0.0412% | 4,006 |
| Net charge-offs to loans | 0.0104% | 1,377 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 674 |
| Efficiency ratio | 80.3536% | 1,123 |
| Assets per employee ($millions) | 6.2367% | 2,607 |
| Cash dividends to net income (ytd only)* | 99.3151% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.6281% | 1,449 |
| Net loans and leases to deposits | 76.2678% | 1,421 |
| Net loans and leases to core deposits | 77.8575% | 1,625 |
| Total domestic deposits to total assets | 86.0496% | 3,243 |
| Equity capital to assets | 8.0288% | 3,542 |
| Core capital (leverage) ratio | 8.2009% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4328% | 1,399 |
| Memoranda: | ||
| Average total assets | $116,486,500 | 3,848 |
| Average earning assets | $103,892,000 | 3,886 |
| Average equity | $9,710,000 | 4,092 |
| Average total loans | $77,050,000 | 3,506 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 1,319 |
| Cost of funding earning assets | 0.1717% | 3,755 |
| Net interest margin | 3.8460% | 927 |
| Noninterest income to average assets | 0.2983% | 3,614 |
| Noninterest expense to average assets | 2.8468% | 1,254 |
| Loan and lease loss provision to assets | 0.0923% | 1,350 |
| Net operating income to assets | 0.6861% | 3,661 |
| Return on assets (ROA) | 0.6935% | 3,699 |
| Pretax return on assets | 0.8634% | 3,589 |
| Return on Equity (ROE) | 7.7030% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.7285% | 2,904 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0487% | 1,205 |
| Assets per employee ($millions) | 5.7238% | 3,028 |
| Cash dividends to net income (ytd only)* | 38.6152% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.2946% | 1,555 |
| Net loans and leases to deposits | 76.5997% | 1,521 |
| Net loans and leases to core deposits | 78.2664% | 1,736 |
| Total domestic deposits to total assets | 85.2413% | 3,195 |
| Equity capital to assets | 8.6534% | 3,933 |
| Core capital (leverage) ratio | 8.6510% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3188% | 617 |
| Memoranda: | ||
| Average total assets | $108,298,000 | 3,912 |
| Average earning assets | $98,413,600 | 3,921 |
| Average equity | $9,749,400 | 4,158 |
| Average total loans | $66,608,400 | 3,716 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 1,076 |
| Cost of funding earning assets | 0.1822% | 3,787 |
| Net interest margin | 4.0405% | 730 |
| Noninterest income to average assets | 0.3759% | 3,228 |
| Noninterest expense to average assets | 2.8489% | 1,218 |
| Loan and lease loss provision to assets | 0.0309% | 2,377 |
| Net operating income to assets | 0.9407% | 3,120 |
| Return on assets (ROA) | 0.9467% | 3,173 |
| Pretax return on assets | 1.1865% | 2,975 |
| Return on Equity (ROE) | 10.4080% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.4260% | 2,638 |
| Net charge-offs to loans | -0.0021% | 3,225 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1846% | 1,582 |
| Assets per employee ($millions) | 5.6203% | 3,075 |
| Cash dividends to net income (ytd only)* | 38.2586% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.6663% | 2,175 |
| Net loans and leases to deposits | 71.3738% | 2,116 |
| Net loans and leases to core deposits | 72.9576% | 2,321 |
| Total domestic deposits to total assets | 84.9980% | 3,112 |
| Equity capital to assets | 8.8448% | 3,965 |
| Core capital (leverage) ratio | 8.9016% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,753,750 | 3,972 |
| Average earning assets | $97,312,500 | 3,985 |
| Average equity | $9,710,250 | 4,224 |
| Average total loans | $64,379,250 | 3,809 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 1,259 |
| Cost of funding earning assets | 0.1827% | 3,925 |
| Net interest margin | 3.9711% | 864 |
| Noninterest income to average assets | 0.4463% | 2,869 |
| Noninterest expense to average assets | 2.9084% | 1,132 |
| Loan and lease loss provision to assets | 0.0191% | 2,578 |
| Net operating income to assets | 0.9556% | 3,045 |
| Return on assets (ROA) | 0.9650% | 3,100 |
| Pretax return on assets | 1.1786% | 2,970 |
| Return on Equity (ROE) | 10.5056% | 2,583 |
| Retained earnings to average equity (ytd only) | 7.4951% | 2,251 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0293% | 1,523 |
| Assets per employee ($millions) | 5.5085% | 3,114 |
| Cash dividends to net income (ytd only)* | 28.6561% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.1059% | 2,531 |
| Net loans and leases to deposits | 69.8403% | 2,427 |
| Net loans and leases to core deposits | 71.2300% | 2,668 |
| Total domestic deposits to total assets | 84.6301% | 3,249 |
| Equity capital to assets | 8.9326% | 3,855 |
| Core capital (leverage) ratio | 8.9905% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,870,000 | 4,016 |
| Average earning assets | $96,345,000 | 4,014 |
| Average equity | $9,633,000 | 4,246 |
| Average total loans | $62,873,333 | 3,849 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 2,207 |
| Cost of funding earning assets | 0.1924% | 3,985 |
| Net interest margin | 3.5708% | 1,660 |
| Noninterest income to average assets | 0.5361% | 2,450 |
| Noninterest expense to average assets | 2.9231% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7541% | 3,562 |
| Return on assets (ROA) | 0.7709% | 3,576 |
| Pretax return on assets | 0.9000% | 3,596 |
| Return on Equity (ROE) | 8.2695% | 3,249 |
| Retained earnings to average equity (ytd only) | 2.1828% | 3,971 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8519% | 1,052 |
| Assets per employee ($millions) | 5.2910% | 3,348 |
| Cash dividends to net income (ytd only)* | 73.6041% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.9822% | 2,672 |
| Net loans and leases to deposits | 69.9932% | 2,503 |
| Net loans and leases to core deposits | 71.4482% | 2,749 |
| Total domestic deposits to total assets | 84.2686% | 3,349 |
| Equity capital to assets | 8.9879% | 3,698 |
| Core capital (leverage) ratio | 9.0456% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,220,000 | 4,045 |
| Average earning assets | $93,536,500 | 4,056 |
| Average equity | $9,529,000 | 4,269 |
| Average total loans | $61,407,000 | 3,893 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 1,886 |
| Cost of funding earning assets | 0.2602% | 4,337 |
| Net interest margin | 4.0341% | 911 |
| Noninterest income to average assets | 0.3276% | 3,497 |
| Noninterest expense to average assets | 2.9973% | 1,447 |
| Loan and lease loss provision to assets | 0.0601% | 3,620 |
| Net operating income to assets | 0.7860% | 3,150 |
| Return on assets (ROA) | 0.7851% | 3,272 |
| Pretax return on assets | 0.9762% | 3,123 |
| Return on Equity (ROE) | 7.7728% | 2,899 |
| Retained earnings to average equity (ytd only) | 4.6377% | 2,459 |
| Net charge-offs to loans | 0.0033% | 3,262 |
| Credit loss provision to net charge-offs | 2,750.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 246 |
| Efficiency ratio | 74.2896% | 1,407 |
| Assets per employee ($millions) | 4.9310% | 3,464 |
| Cash dividends to net income (ytd only)* | 40.3338% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.8672% | 2,880 |
| Net loans and leases to deposits | 71.9240% | 2,687 |
| Net loans and leases to core deposits | 73.3083% | 2,970 |
| Total domestic deposits to total assets | 83.2367% | 3,344 |
| Equity capital to assets | 9.6806% | 3,429 |
| Core capital (leverage) ratio | 9.4041% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,582,400 | 4,102 |
| Average earning assets | $84,158,400 | 4,097 |
| Average equity | $9,250,200 | 4,279 |
| Average total loans | $60,748,400 | 3,903 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,565 |
| Cost of funding earning assets | 0.2705% | 4,430 |
| Net interest margin | 4.2316% | 687 |
| Noninterest income to average assets | 0.3518% | 3,351 |
| Noninterest expense to average assets | 3.0044% | 1,438 |
| Loan and lease loss provision to assets | 0.0668% | 3,500 |
| Net operating income to assets | 0.9536% | 2,503 |
| Return on assets (ROA) | 0.9500% | 2,659 |
| Pretax return on assets | 1.1771% | 2,464 |
| Return on Equity (ROE) | 9.2994% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.0856% | 2,522 |
| Net charge-offs to loans | 0.0022% | 3,110 |
| Credit loss provision to net charge-offs | 4,500.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 841.0000% | 146 |
| Efficiency ratio | 70.6457% | 1,801 |
| Assets per employee ($millions) | 5.1724% | 3,044 |
| Cash dividends to net income (ytd only)* | 45.3125% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.6796% | 2,921 |
| Net loans and leases to deposits | 77.8709% | 2,544 |
| Net loans and leases to core deposits | 79.1680% | 2,913 |
| Total domestic deposits to total assets | 80.4917% | 3,767 |
| Equity capital to assets | 9.6117% | 3,594 |
| Core capital (leverage) ratio | 9.4371% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,823,000 | 4,125 |
| Average earning assets | $82,804,000 | 4,117 |
| Average equity | $9,176,000 | 4,304 |
| Average total loans | $61,005,500 | 3,917 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 1,177 |
| Cost of funding earning assets | 0.2772% | 4,546 |
| Net interest margin | 4.5206% | 481 |
| Noninterest income to average assets | 0.4092% | 3,021 |
| Noninterest expense to average assets | 3.1722% | 1,210 |
| Loan and lease loss provision to assets | 0.0690% | 3,428 |
| Net operating income to assets | 1.0146% | 2,271 |
| Return on assets (ROA) | 1.0091% | 2,415 |
| Pretax return on assets | 1.3218% | 1,956 |
| Return on Equity (ROE) | 9.6632% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.4715% | 1,877 |
| Net charge-offs to loans | 0.0033% | 2,875 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 608.0000% | 169 |
| Efficiency ratio | 69.4165% | 2,029 |
| Assets per employee ($millions) | 5.1555% | 2,991 |
| Cash dividends to net income (ytd only)* | 33.0296% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.8417% | 2,776 |
| Net loans and leases to deposits | 80.5742% | 2,362 |
| Net loans and leases to core deposits | 81.9178% | 2,781 |
| Total domestic deposits to total assets | 80.4745% | 3,731 |
| Equity capital to assets | 9.5657% | 3,595 |
| Core capital (leverage) ratio | 9.6902% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,005,333 | 4,163 |
| Average earning assets | $80,078,333 | 4,172 |
| Average equity | $9,086,000 | 4,332 |
| Average total loans | $60,584,333 | 3,934 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 1,704 |
| Cost of funding earning assets | 0.3228% | 4,584 |
| Net interest margin | 4.3796% | 650 |
| Noninterest income to average assets | 0.6329% | 1,889 |
| Noninterest expense to average assets | 3.3705% | 1,112 |
| Loan and lease loss provision to assets | 0.0736% | 2,814 |
| Net operating income to assets | 0.9908% | 2,206 |
| Return on assets (ROA) | 1.0156% | 2,232 |
| Pretax return on assets | 1.2118% | 2,151 |
| Return on Equity (ROE) | 9.2576% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.7728% | 3,170 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8526% | 1,959 |
| Assets per employee ($millions) | 4.1354% | 3,742 |
| Cash dividends to net income (ytd only)* | 70.0483% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 72.1671% | 1,898 |
| Net loans and leases to deposits | 82.7345% | 2,358 |
| Net loans and leases to core deposits | 84.2408% | 2,832 |
| Total domestic deposits to total assets | 87.2274% | 1,455 |
| Equity capital to assets | 10.8454% | 2,993 |
| Core capital (leverage) ratio | 10.9022% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,531,000 | 4,247 |
| Average earning assets | $74,344,500 | 4,252 |
| Average equity | $8,944,000 | 4,372 |
| Average total loans | $58,791,500 | 3,976 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 2,139 |
| Cost of funding earning assets | 0.3798% | 4,508 |
| Net interest margin | 4.3875% | 916 |
| Noninterest income to average assets | 0.4765% | 2,870 |
| Noninterest expense to average assets | 3.5322% | 920 |
| Loan and lease loss provision to assets | 0.0401% | 3,212 |
| Net operating income to assets | 0.7461% | 3,713 |
| Return on assets (ROA) | 0.7461% | 3,791 |
| Pretax return on assets | 0.9166% | 3,689 |
| Return on Equity (ROE) | 6.8400% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.5062% | 3,256 |
| Net charge-offs to loans | -0.0018% | 4,216 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6872% | 1,064 |
| Assets per employee ($millions) | 4.0177% | 3,878 |
| Cash dividends to net income (ytd only)* | 48.7395% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 2,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.4744% | 2,317 |
| Net loans and leases to deposits | 81.0085% | 2,662 |
| Net loans and leases to core deposits | 82.0235% | 3,119 |
| Total domestic deposits to total assets | 86.9963% | 1,612 |
| Equity capital to assets | 11.0984% | 2,906 |
| Core capital (leverage) ratio | 10.9486% | 2,542 |
| Tier 1 risk-based capital ratio | 15.1871% | 2,706 |
| Total risk-based capital ratio | 16.2531% | 2,717 |
| Memoranda: | ||
| Average total assets | $79,752,600 | 4,291 |
| Average earning assets | $72,935,000 | 4,297 |
| Average equity | $8,698,800 | 4,420 |
| Average total loans | $56,008,000 | 4,052 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 2,321 |
| Cost of funding earning assets | 0.3873% | 4,542 |
| Net interest margin | 4.3430% | 1,071 |
| Noninterest income to average assets | 0.5142% | 2,642 |
| Noninterest expense to average assets | 3.5040% | 943 |
| Loan and lease loss provision to assets | 0.0385% | 3,131 |
| Net operating income to assets | 0.7755% | 3,754 |
| Return on assets (ROA) | 0.7755% | 3,825 |
| Pretax return on assets | 0.9531% | 3,728 |
| Return on Equity (ROE) | 7.1416% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.6684% | 4,024 |
| Net charge-offs to loans | -0.0024% | 4,078 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9434% | 1,110 |
| Assets per employee ($millions) | 4.0816% | 3,791 |
| Cash dividends to net income (ytd only)* | 62.6353% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,085 |
| Loan loss allowance to noncurrent loans | 1,931.2500% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,525 |
| Noncurrent loans to loans | 0.0564% | 4,383 |
| Net loans and leases to total assets | 68.7741% | 2,659 |
| Net loans and leases to deposits | 78.6079% | 3,042 |
| Net loans and leases to core deposits | 79.5705% | 3,423 |
| Total domestic deposits to total assets | 87.4900% | 1,256 |
| Equity capital to assets | 10.7582% | 3,327 |
| Core capital (leverage) ratio | 10.7144% | 2,926 |
| Tier 1 risk-based capital ratio | 14.4867% | 3,081 |
| Total risk-based capital ratio | 15.5073% | 3,099 |
| Memoranda: | ||
| Average total assets | $79,602,250 | 4,351 |
| Average earning assets | $72,973,750 | 4,356 |
| Average equity | $8,644,000 | 4,476 |
| Average total loans | $55,696,250 | 4,107 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 2,487 |
| Cost of funding earning assets | 0.3843% | 4,566 |
| Net interest margin | 4.2744% | 1,193 |
| Noninterest income to average assets | 0.5702% | 2,286 |
| Noninterest expense to average assets | 3.4513% | 1,023 |
| Loan and lease loss provision to assets | 0.0355% | 3,116 |
| Net operating income to assets | 0.8236% | 3,571 |
| Return on assets (ROA) | 0.8236% | 3,627 |
| Pretax return on assets | 1.0009% | 3,544 |
| Return on Equity (ROE) | 7.5599% | 3,469 |
| Retained earnings to average equity (ytd only) | 4.1870% | 3,155 |
| Net charge-offs to loans | -0.0036% | 4,059 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9057% | 1,282 |
| Assets per employee ($millions) | 3.9819% | 3,886 |
| Cash dividends to net income (ytd only)* | 44.6154% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,010 |
| Loan loss allowance to noncurrent loans | 60,900.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,824 |
| Noncurrent loans to loans | 0.0018% | 4,732 |
| Net loans and leases to total assets | 64.7596% | 3,265 |
| Net loans and leases to deposits | 73.7685% | 3,539 |
| Net loans and leases to core deposits | 77.5694% | 3,611 |
| Total domestic deposits to total assets | 87.7876% | 1,200 |
| Equity capital to assets | 10.4963% | 3,519 |
| Core capital (leverage) ratio | 11.1277% | 2,482 |
| Tier 1 risk-based capital ratio | 14.7226% | 2,950 |
| Total risk-based capital ratio | 15.7441% | 2,992 |
| Memoranda: | ||
| Average total assets | $78,926,000 | 4,392 |
| Average earning assets | $72,337,330 | 4,394 |
| Average equity | $8,598,000 | 4,499 |
| Average total loans | $55,342,000 | 4,138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,954 |
| Cost of funding earning assets | 0.3772% | 4,580 |
| Net interest margin | 4.4059% | 889 |
| Noninterest income to average assets | 0.6477% | 1,829 |
| Noninterest expense to average assets | 3.3900% | 1,126 |
| Loan and lease loss provision to assets | 0.0313% | 2,998 |
| Net operating income to assets | 1.0499% | 2,660 |
| Return on assets (ROA) | 1.0499% | 2,700 |
| Pretax return on assets | 1.2536% | 2,611 |
| Return on Equity (ROE) | 9.4494% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.6327% | 3,881 |
| Net charge-offs to loans | -0.0072% | 4,117 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5140% | 1,960 |
| Assets per employee ($millions) | 4.0448% | 3,855 |
| Cash dividends to net income (ytd only)* | 72.1393% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,328 |
| Loan loss allowance to noncurrent loans | 30,000.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,884 |
| Noncurrent loans to loans | 0.0036% | 4,791 |
| Net loans and leases to total assets | 72.4718% | 2,080 |
| Net loans and leases to deposits | 83.2551% | 2,473 |
| Net loans and leases to core deposits | 87.9651% | 2,686 |
| Total domestic deposits to total assets | 87.0478% | 1,788 |
| Equity capital to assets | 11.1513% | 2,704 |
| Core capital (leverage) ratio | 11.3035% | 2,283 |
| Tier 1 risk-based capital ratio | 14.8788% | 2,929 |
| Total risk-based capital ratio | 15.9103% | 2,952 |
| Memoranda: | ||
| Average total assets | $76,579,000 | 4,477 |
| Average earning assets | $69,997,000 | 4,487 |
| Average equity | $8,508,500 | 4,539 |
| Average total loans | $55,632,500 | 4,176 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 2,115 |
| Cost of funding earning assets | 0.2651% | 4,737 |
| Net interest margin | 4.3404% | 1,062 |
| Noninterest income to average assets | 0.4304% | 3,239 |
| Noninterest expense to average assets | 3.3242% | 1,267 |
| Loan and lease loss provision to assets | 0.0311% | 3,562 |
| Net operating income to assets | 0.8064% | 3,782 |
| Return on assets (ROA) | 0.8064% | 3,783 |
| Pretax return on assets | 1.0022% | 3,594 |
| Return on Equity (ROE) | 7.5095% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.2498% | 3,214 |
| Net charge-offs to loans | -0.0194% | 4,690 |
| Credit loss provision to net charge-offs | -240.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2868% | 1,318 |
| Assets per employee ($millions) | 4.0161% | 3,872 |
| Cash dividends to net income (ytd only)* | 43.4084% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.2605% | 2,385 |
| Net loans and leases to deposits | 84.9452% | 2,414 |
| Net loans and leases to core deposits | 89.9565% | 2,579 |
| Total domestic deposits to total assets | 83.8899% | 3,035 |
| Equity capital to assets | 11.0699% | 2,621 |
| Core capital (leverage) ratio | 11.2401% | 2,316 |
| Tier 1 risk-based capital ratio | 14.8502% | 2,907 |
| Total risk-based capital ratio | 15.8743% | 2,929 |
| Memoranda: | ||
| Average total assets | $77,132,000 | 4,480 |
| Average earning assets | $69,785,800 | 4,499 |
| Average equity | $8,282,800 | 4,560 |
| Average total loans | $51,609,600 | 4,282 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 2,113 |
| Cost of funding earning assets | 0.2309% | 4,886 |
| Net interest margin | 4.3239% | 1,061 |
| Noninterest income to average assets | 0.4568% | 3,126 |
| Noninterest expense to average assets | 3.2238% | 1,472 |
| Loan and lease loss provision to assets | 0.0310% | 3,397 |
| Net operating income to assets | 0.8930% | 3,569 |
| Return on assets (ROA) | 0.8930% | 3,568 |
| Pretax return on assets | 1.1085% | 3,365 |
| Return on Equity (ROE) | 8.3799% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.0120% | 3,764 |
| Net charge-offs to loans | -0.0210% | 4,646 |
| Credit loss provision to net charge-offs | -225.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8838% | 1,611 |
| Assets per employee ($millions) | 4.0557% | 3,800 |
| Cash dividends to net income (ytd only)* | 52.1234% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.5002% | 3,011 |
| Net loans and leases to deposits | 77.8260% | 3,252 |
| Net loans and leases to core deposits | 82.1969% | 3,313 |
| Total domestic deposits to total assets | 86.7322% | 1,857 |
| Equity capital to assets | 10.7230% | 2,921 |
| Core capital (leverage) ratio | 11.0914% | 2,493 |
| Tier 1 risk-based capital ratio | 15.4067% | 2,688 |
| Total risk-based capital ratio | 16.4675% | 2,701 |
| Memoranda: | ||
| Average total assets | $77,338,500 | 4,525 |
| Average earning assets | $69,874,000 | 4,543 |
| Average equity | $8,241,750 | 4,616 |
| Average total loans | $50,769,750 | 4,344 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4482% | 2,264 |
| Cost of funding earning assets | 0.2054% | 5,004 |
| Net interest margin | 4.2428% | 1,182 |
| Noninterest income to average assets | 0.4985% | 2,875 |
| Noninterest expense to average assets | 3.3346% | 1,242 |
| Loan and lease loss provision to assets | 0.0310% | 3,290 |
| Net operating income to assets | 0.8007% | 3,851 |
| Return on assets (ROA) | 0.8007% | 3,850 |
| Pretax return on assets | 0.9738% | 3,736 |
| Return on Equity (ROE) | 7.5291% | 3,706 |
| Retained earnings to average equity (ytd only) | 4.2503% | 3,478 |
| Net charge-offs to loans | -0.0239% | 4,644 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8452% | 1,336 |
| Assets per employee ($millions) | 4.1039% | 3,722 |
| Cash dividends to net income (ytd only)* | 43.5484% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.8403% | 3,174 |
| Net loans and leases to deposits | 75.8320% | 3,353 |
| Net loans and leases to core deposits | 80.3956% | 3,384 |
| Total domestic deposits to total assets | 86.8240% | 1,921 |
| Equity capital to assets | 10.6239% | 3,004 |
| Core capital (leverage) ratio | 10.6712% | 2,845 |
| Tier 1 risk-based capital ratio | 15.3407% | 2,710 |
| Total risk-based capital ratio | 16.3857% | 2,731 |
| Memoranda: | ||
| Average total assets | $77,431,670 | 4,561 |
| Average earning assets | $70,096,000 | 4,591 |
| Average equity | $8,234,670 | 4,657 |
| Average total loans | $50,159,670 | 4,398 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,959 |
| Cost of funding earning assets | 0.2008% | 5,010 |
| Net interest margin | 4.2688% | 1,011 |
| Noninterest income to average assets | 0.6273% | 2,141 |
| Noninterest expense to average assets | 3.2452% | 1,466 |
| Loan and lease loss provision to assets | 0.0311% | 3,098 |
| Net operating income to assets | 1.0057% | 2,835 |
| Return on assets (ROA) | 1.0057% | 2,851 |
| Pretax return on assets | 1.2079% | 2,720 |
| Return on Equity (ROE) | 9.4519% | 2,693 |
| Retained earnings to average equity (ytd only) | 2.8745% | 4,048 |
| Net charge-offs to loans | -0.0243% | 4,649 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3699% | 2,140 |
| Assets per employee ($millions) | 4.4378% | 3,268 |
| Cash dividends to net income (ytd only)* | 69.5876% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,986 |
| Loan loss allowance to noncurrent loans | 56,800.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,145 |
| Noncurrent loans to loans | 0.0021% | 5,020 |
| Net loans and leases to total assets | 60.1745% | 3,737 |
| Net loans and leases to deposits | 69.0136% | 3,871 |
| Net loans and leases to core deposits | 73.3661% | 3,863 |
| Total domestic deposits to total assets | 87.1922% | 2,049 |
| Equity capital to assets | 10.2377% | 3,353 |
| Core capital (leverage) ratio | 10.7976% | 2,633 |
| Tier 1 risk-based capital ratio | 15.5775% | 2,637 |
| Total risk-based capital ratio | 16.6365% | 2,641 |
| Memoranda: | ||
| Average total assets | $77,160,000 | 4,623 |
| Average earning assets | $69,715,500 | 4,645 |
| Average equity | $8,210,000 | 4,712 |
| Average total loans | $49,281,500 | 4,460 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,021 |
| Cost of funding earning assets | 0.1890% | 5,028 |
| Net interest margin | 4.2109% | 1,168 |
| Noninterest income to average assets | 0.3928% | 3,686 |
| Noninterest expense to average assets | 3.4114% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5494% | 4,225 |
| Return on assets (ROA) | 0.5494% | 4,255 |
| Pretax return on assets | 0.7708% | 4,330 |
| Return on Equity (ROE) | 4.9683% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.7944% | 4,241 |
| Net charge-offs to loans | -0.0203% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5688% | 961 |
| Assets per employee ($millions) | 3.9178% | 4,094 |
| Cash dividends to net income (ytd only)* | 63.8821% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.3201% | 3,053 |
| Net loans and leases to deposits | 77.3769% | 3,181 |
| Net loans and leases to core deposits | 82.7198% | 3,175 |
| Total domestic deposits to total assets | 85.7104% | 2,572 |
| Equity capital to assets | 11.0722% | 2,561 |
| Core capital (leverage) ratio | 11.1132% | 2,238 |
| Tier 1 risk-based capital ratio | 15.2014% | 2,748 |
| Total risk-based capital ratio | 16.2257% | 2,791 |
| Memoranda: | ||
| Average total assets | $74,075,200 | 4,705 |
| Average earning assets | $66,660,800 | 4,732 |
| Average equity | $8,192,000 | 4,755 |
| Average total loans | $49,152,800 | 4,482 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 1,987 |
| Cost of funding earning assets | 0.1818% | 5,125 |
| Net interest margin | 4.2071% | 1,137 |
| Noninterest income to average assets | 0.4181% | 3,567 |
| Noninterest expense to average assets | 3.2529% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7064% | 3,947 |
| Return on assets (ROA) | 0.7064% | 4,010 |
| Pretax return on assets | 0.9605% | 3,832 |
| Return on Equity (ROE) | 6.3898% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.1517% | 4,571 |
| Net charge-offs to loans | -0.0191% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2027% | 1,436 |
| Assets per employee ($millions) | 4.1196% | 3,788 |
| Cash dividends to net income (ytd only)* | 66.3274% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.9056% | 3,117 |
| Net loans and leases to deposits | 76.3741% | 3,335 |
| Net loans and leases to core deposits | 82.0272% | 3,277 |
| Total domestic deposits to total assets | 86.2932% | 2,185 |
| Equity capital to assets | 11.1688% | 2,702 |
| Core capital (leverage) ratio | 11.1975% | 2,282 |
| Tier 1 risk-based capital ratio | 15.3793% | 2,758 |
| Total risk-based capital ratio | 16.4119% | 2,786 |
| Memoranda: | ||
| Average total assets | $73,984,250 | 4,757 |
| Average earning assets | $66,742,000 | 4,778 |
| Average equity | $8,179,500 | 4,806 |
| Average total loans | $48,959,250 | 4,529 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,060 |
| Cost of funding earning assets | 0.1678% | 5,220 |
| Net interest margin | 4.1538% | 1,194 |
| Noninterest income to average assets | 0.4491% | 3,356 |
| Noninterest expense to average assets | 3.3411% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6466% | 4,100 |
| Return on assets (ROA) | 0.6466% | 4,149 |
| Pretax return on assets | 0.8576% | 4,079 |
| Return on Equity (ROE) | 5.8684% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.5536% | 4,161 |
| Net charge-offs to loans | -0.0164% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5747% | 1,263 |
| Assets per employee ($millions) | 3.8483% | 4,205 |
| Cash dividends to net income (ytd only)* | 56.4854% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.3375% | 3,053 |
| Net loans and leases to deposits | 77.0015% | 3,216 |
| Net loans and leases to core deposits | 78.8901% | 3,515 |
| Total domestic deposits to total assets | 86.1510% | 2,313 |
| Equity capital to assets | 11.3093% | 2,487 |
| Core capital (leverage) ratio | 11.1583% | 2,269 |
| Tier 1 risk-based capital ratio | 15.4513% | 2,727 |
| Total risk-based capital ratio | 16.4866% | 2,760 |
| Memoranda: | ||
| Average total assets | $73,928,000 | 4,788 |
| Average earning assets | $66,734,330 | 4,808 |
| Average equity | $8,145,330 | 4,836 |
| Average total loans | $48,803,330 | 4,559 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 1,978 |
| Cost of funding earning assets | 0.1669% | 5,254 |
| Net interest margin | 4.1243% | 1,161 |
| Noninterest income to average assets | 0.6027% | 2,398 |
| Noninterest expense to average assets | 3.4170% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7157% | 3,635 |
| Return on assets (ROA) | 0.7157% | 3,674 |
| Pretax return on assets | 0.9094% | 3,735 |
| Return on Equity (ROE) | 6.5813% | 3,619 |
| Retained earnings to average equity (ytd only) | -0.0990% | 4,932 |
| Net charge-offs to loans | -0.0082% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9801% | 1,487 |
| Assets per employee ($millions) | 4.0026% | 4,006 |
| Cash dividends to net income (ytd only)* | 101.5038% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,579 |
| Loan loss allowance to noncurrent loans | 176.6026% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 3,547 |
| Noncurrent loans to loans | 0.6346% | 2,927 |
| Net loans and leases to total assets | 63.9211% | 3,289 |
| Net loans and leases to deposits | 73.7943% | 3,425 |
| Net loans and leases to core deposits | 75.5208% | 3,697 |
| Total domestic deposits to total assets | 86.6206% | 2,390 |
| Equity capital to assets | 10.6430% | 3,021 |
| Core capital (leverage) ratio | 10.6213% | 2,770 |
| Tier 1 risk-based capital ratio | 15.0515% | 2,944 |
| Total risk-based capital ratio | 16.0694% | 2,982 |
| Memoranda: | ||
| Average total assets | $74,333,500 | 4,824 |
| Average earning assets | $67,114,000 | 4,852 |
| Average equity | $8,083,500 | 4,886 |
| Average total loans | $48,676,500 | 4,603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 2,461 |
| Cost of funding earning assets | 0.1647% | 5,319 |
| Net interest margin | 4.0436% | 1,513 |
| Noninterest income to average assets | 0.3963% | 3,918 |
| Noninterest expense to average assets | 3.2330% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6057% | 4,184 |
| Return on assets (ROA) | 0.6047% | 4,300 |
| Pretax return on assets | 0.8143% | 4,146 |
| Return on Equity (ROE) | 5.5333% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.3767% | 4,170 |
| Net charge-offs to loans | 0.0549% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 23.1923% | 1,698 |
| Efficiency ratio | 79.8530% | 1,439 |
| Assets per employee ($millions) | 4.0343% | 3,905 |
| Cash dividends to net income (ytd only)* | 57.0470% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,341.4634% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 5,108 |
| Noncurrent loans to loans | 0.0851% | 4,901 |
| Net loans and leases to total assets | 65.6045% | 3,132 |
| Net loans and leases to deposits | 76.1984% | 3,301 |
| Net loans and leases to core deposits | 78.0766% | 3,566 |
| Total domestic deposits to total assets | 86.0969% | 2,536 |
| Equity capital to assets | 11.1172% | 2,518 |
| Core capital (leverage) ratio | 11.0735% | 2,282 |
| Tier 1 risk-based capital ratio | 15.2318% | 2,871 |
| Total risk-based capital ratio | 16.2598% | 2,899 |
| Memoranda: | ||
| Average total assets | $73,925,600 | 4,850 |
| Average earning assets | $66,772,800 | 4,875 |
| Average equity | $8,078,400 | 4,923 |
| Average total loans | $47,377,200 | 4,654 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,753 |
| Cost of funding earning assets | 0.1626% | 5,397 |
| Net interest margin | 3.9692% | 1,751 |
| Noninterest income to average assets | 0.4184% | 3,793 |
| Noninterest expense to average assets | 3.0813% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6818% | 3,950 |
| Return on assets (ROA) | 0.6805% | 4,084 |
| Pretax return on assets | 0.9301% | 3,875 |
| Return on Equity (ROE) | 6.2542% | 3,952 |
| Retained earnings to average equity (ytd only) | 2.0462% | 4,668 |
| Net charge-offs to loans | 0.0735% | 2,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.9590% | 1,903 |
| Efficiency ratio | 76.7785% | 1,862 |
| Assets per employee ($millions) | 4.1803% | 3,631 |
| Cash dividends to net income (ytd only)* | 67.2821% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,703 |
| 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 | 64.1496% | 3,380 |
| Net loans and leases to deposits | 74.3199% | 3,569 |
| Net loans and leases to core deposits | 76.0792% | 3,825 |
| Total domestic deposits to total assets | 86.3156% | 2,209 |
| Equity capital to assets | 10.8564% | 3,195 |
| Core capital (leverage) ratio | 10.7327% | 2,747 |
| Tier 1 risk-based capital ratio | 14.9993% | 3,050 |
| Total risk-based capital ratio | 16.0183% | 3,101 |
| Memoranda: | ||
| Average total assets | $74,252,750 | 4,881 |
| Average earning assets | $67,249,500 | 4,902 |
| Average equity | $8,079,750 | 4,968 |
| Average total loans | $47,174,000 | 4,697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,734 |
| Cost of funding earning assets | 0.1495% | 5,551 |
| Net interest margin | 3.9851% | 1,687 |
| Noninterest income to average assets | 0.4627% | 3,442 |
| Noninterest expense to average assets | 3.2088% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6541% | 4,028 |
| Return on assets (ROA) | 0.6520% | 4,183 |
| Pretax return on assets | 0.8577% | 4,092 |
| Return on Equity (ROE) | 5.9876% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.7578% | 4,145 |
| Net charge-offs to loans | 0.0987% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.8261% | 2,096 |
| Efficiency ratio | 78.8564% | 1,663 |
| Assets per employee ($millions) | 4.2469% | 3,470 |
| Cash dividends to net income (ytd only)* | 53.9419% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,540 |
| 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 | 61.1546% | 3,733 |
| Net loans and leases to deposits | 70.7514% | 3,915 |
| Net loans and leases to core deposits | 72.3960% | 4,136 |
| Total domestic deposits to total assets | 86.4358% | 2,201 |
| Equity capital to assets | 10.6797% | 3,427 |
| Core capital (leverage) ratio | 10.9123% | 2,521 |
| Tier 1 risk-based capital ratio | 15.2818% | 2,945 |
| Total risk-based capital ratio | 16.3273% | 2,979 |
| Memoranda: | ||
| Average total assets | $73,921,670 | 4,934 |
| Average earning assets | $66,899,670 | 4,958 |
| Average equity | $8,050,000 | 5,012 |
| Average total loans | $46,625,670 | 4,753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 2,227 |
| Cost of funding earning assets | 0.1585% | 5,547 |
| Net interest margin | 4.1141% | 1,301 |
| Noninterest income to average assets | 0.6276% | 2,375 |
| Noninterest expense to average assets | 3.2920% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8147% | 3,171 |
| Return on assets (ROA) | 0.8147% | 3,295 |
| Pretax return on assets | 1.0515% | 3,271 |
| Return on Equity (ROE) | 7.4065% | 3,241 |
| Retained earnings to average equity (ytd only) | 0.9008% | 4,871 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7921% | 2,205 |
| Assets per employee ($millions) | 4.1731% | 3,636 |
| Cash dividends to net income (ytd only)* | 87.8378% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,114 |
| 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 | 59.9667% | 3,778 |
| Net loans and leases to deposits | 69.3454% | 3,915 |
| Net loans and leases to core deposits | 71.2654% | 4,130 |
| Total domestic deposits to total assets | 86.4754% | 2,459 |
| Equity capital to assets | 10.6823% | 3,277 |
| Core capital (leverage) ratio | 11.0686% | 2,346 |
| Tier 1 risk-based capital ratio | 15.2537% | 3,040 |
| Total risk-based capital ratio | 16.3533% | 3,046 |
| Memoranda: | ||
| Average total assets | $72,660,500 | 5,007 |
| Average earning assets | $65,627,500 | 5,031 |
| Average equity | $7,993,000 | 5,055 |
| Average total loans | $46,288,000 | 4,797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 2,502 |
| Cost of funding earning assets | 0.1818% | 5,434 |
| Net interest margin | 4.0366% | 1,601 |
| Noninterest income to average assets | 0.4588% | 3,601 |
| Noninterest expense to average assets | 3.3102% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5914% | 4,317 |
| Return on assets (ROA) | 0.5914% | 4,411 |
| Pretax return on assets | 0.7866% | 4,232 |
| Return on Equity (ROE) | 5.2618% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.9653% | 4,606 |
| Net charge-offs to loans | -0.0044% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8000% | 1,567 |
| Assets per employee ($millions) | 3.9003% | 4,118 |
| Cash dividends to net income (ytd only)* | 62.6506% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 3,329 |
| 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 | 66.0656% | 2,967 |
| Net loans and leases to deposits | 77.0568% | 3,154 |
| Net loans and leases to core deposits | 78.8220% | 3,463 |
| Total domestic deposits to total assets | 85.7363% | 2,756 |
| Equity capital to assets | 11.3409% | 2,505 |
| Core capital (leverage) ratio | 11.1870% | 2,230 |
| Tier 1 risk-based capital ratio | 15.3327% | 3,024 |
| Total risk-based capital ratio | 16.4406% | 3,021 |
| Memoranda: | ||
| Average total assets | $70,176,000 | 5,091 |
| Average earning assets | $63,246,200 | 5,103 |
| Average equity | $7,887,000 | 5,083 |
| Average total loans | $45,710,200 | 4,809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,504 |
| Cost of funding earning assets | 0.1879% | 5,473 |
| Net interest margin | 4.0363% | 1,593 |
| Noninterest income to average assets | 0.4351% | 3,829 |
| Noninterest expense to average assets | 3.2150% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6327% | 4,227 |
| Return on assets (ROA) | 0.6327% | 4,339 |
| Pretax return on assets | 0.8532% | 4,162 |
| Return on Equity (ROE) | 5.6428% | 4,337 |
| Retained earnings to average equity (ytd only) | 1.2370% | 5,228 |
| Net charge-offs to loans | -0.0059% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0285% | 1,798 |
| Assets per employee ($millions) | 3.7153% | 4,414 |
| Cash dividends to net income (ytd only)* | 78.0783% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 3,171 |
| 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 | 62.5377% | 3,534 |
| Net loans and leases to deposits | 72.8999% | 3,661 |
| Net loans and leases to core deposits | 74.5571% | 3,954 |
| Total domestic deposits to total assets | 85.7857% | 2,650 |
| Equity capital to assets | 11.2011% | 2,799 |
| Core capital (leverage) ratio | 11.1958% | 2,307 |
| Tier 1 risk-based capital ratio | 16.0266% | 2,783 |
| Total risk-based capital ratio | 17.1931% | 2,767 |
| Memoranda: | ||
| Average total assets | $70,168,500 | 5,155 |
| Average earning assets | $63,158,000 | 5,172 |
| Average equity | $7,868,250 | 5,148 |
| Average total loans | $45,398,500 | 4,863 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,400 |
| Cost of funding earning assets | 0.1934% | 5,505 |
| Net interest margin | 4.0446% | 1,510 |
| Noninterest income to average assets | 0.4827% | 3,484 |
| Noninterest expense to average assets | 3.3016% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6340% | 4,202 |
| Return on assets (ROA) | 0.6340% | 4,311 |
| Pretax return on assets | 0.8254% | 4,226 |
| Return on Equity (ROE) | 5.6522% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.2151% | 4,606 |
| Net charge-offs to loans | -0.0132% | 5,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,763 |
| Assets per employee ($millions) | 4.0008% | 3,886 |
| Cash dividends to net income (ytd only)* | 60.8108% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 3,202 |
| 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 | 60.3549% | 3,778 |
| Net loans and leases to deposits | 70.2380% | 3,904 |
| Net loans and leases to core deposits | 71.7986% | 4,161 |
| Total domestic deposits to total assets | 85.9291% | 2,725 |
| Equity capital to assets | 10.9104% | 2,980 |
| Core capital (leverage) ratio | 11.2018% | 2,245 |
| Tier 1 risk-based capital ratio | 16.2086% | 2,755 |
| Total risk-based capital ratio | 17.3918% | 2,735 |
| Memoranda: | ||
| Average total assets | $70,027,670 | 5,216 |
| Average earning assets | $63,096,330 | 5,222 |
| Average equity | $7,855,330 | 5,195 |
| Average total loans | $45,624,330 | 4,900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 1,823 |
| Cost of funding earning assets | 0.2054% | 5,459 |
| Net interest margin | 4.1783% | 1,112 |
| Noninterest income to average assets | 0.6432% | 2,435 |
| Noninterest expense to average assets | 3.2679% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8923% | 2,774 |
| Return on assets (ROA) | 0.8923% | 2,903 |
| Pretax return on assets | 1.1473% | 2,875 |
| Return on Equity (ROE) | 7.8426% | 3,043 |
| Retained earnings to average equity (ytd only) | 0.9676% | 5,080 |
| Net charge-offs to loans | -0.0345% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0157% | 2,814 |
| Assets per employee ($millions) | 3.8894% | 4,185 |
| Cash dividends to net income (ytd only)* | 87.6623% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 3,563 |
| Loan loss allowance to noncurrent loans | 57,700.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,973 |
| Noncurrent loans to loans | 0.0022% | 5,814 |
| Net loans and leases to total assets | 63.9423% | 3,094 |
| Net loans and leases to deposits | 74.9648% | 3,165 |
| Net loans and leases to core deposits | 76.3625% | 3,550 |
| Total domestic deposits to total assets | 85.2964% | 3,269 |
| Equity capital to assets | 11.2584% | 2,693 |
| Core capital (leverage) ratio | 11.3325% | 2,131 |
| Tier 1 risk-based capital ratio | 15.2019% | 3,319 |
| Total risk-based capital ratio | 16.3233% | 3,311 |
| Memoranda: | ||
| Average total assets | $69,034,500 | 5,282 |
| Average earning assets | $62,322,000 | 5,299 |
| Average equity | $7,854,500 | 5,243 |
| Average total loans | $46,416,500 | 4,904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 2,071 |
| Cost of funding earning assets | 0.2669% | 5,133 |
| Net interest margin | 4.1833% | 1,348 |
| Noninterest income to average assets | 0.4614% | 3,766 |
| Noninterest expense to average assets | 3.3606% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6146% | 4,298 |
| Return on assets (ROA) | 0.6040% | 4,442 |
| Pretax return on assets | 0.8267% | 4,160 |
| Return on Equity (ROE) | 5.3900% | 4,465 |
| Retained earnings to average equity (ytd only) | 2.0131% | 4,778 |
| Net charge-offs to loans | -0.1870% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9792% | 1,931 |
| Assets per employee ($millions) | 3.5821% | 4,753 |
| Cash dividends to net income (ytd only)* | 62.6506% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 3,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.9358% | 2,404 |
| Net loans and leases to deposits | 82.0184% | 2,468 |
| Net loans and leases to core deposits | 83.6161% | 2,941 |
| Total domestic deposits to total assets | 84.0491% | 3,700 |
| Equity capital to assets | 11.5003% | 2,426 |
| Core capital (leverage) ratio | 11.3830% | 2,067 |
| Tier 1 risk-based capital ratio | 14.9326% | 3,526 |
| Total risk-based capital ratio | 16.0293% | 3,548 |
| Memoranda: | ||
| Average total assets | $68,707,800 | 5,327 |
| Average earning assets | $61,435,000 | 5,356 |
| Average equity | $7,699,400 | 5,271 |
| Average total loans | $45,977,600 | 4,955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,086 |
| Cost of funding earning assets | 0.2762% | 5,138 |
| Net interest margin | 4.1633% | 1,390 |
| Noninterest income to average assets | 0.5130% | 3,456 |
| Noninterest expense to average assets | 3.1188% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7922% | 3,456 |
| Return on assets (ROA) | 0.7783% | 3,629 |
| Pretax return on assets | 1.0803% | 3,265 |
| Return on Equity (ROE) | 6.9904% | 3,713 |
| Retained earnings to average equity (ytd only) | 2.4693% | 4,817 |
| Net charge-offs to loans | -0.1988% | 6,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9330% | 2,829 |
| Assets per employee ($millions) | 3.7247% | 4,442 |
| Cash dividends to net income (ytd only)* | 64.6766% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.1788% | 2,661 |
| Net loans and leases to deposits | 80.3153% | 2,644 |
| Net loans and leases to core deposits | 81.9103% | 3,107 |
| Total domestic deposits to total assets | 83.6438% | 3,904 |
| Equity capital to assets | 11.5997% | 2,393 |
| Core capital (leverage) ratio | 11.2259% | 2,288 |
| Tier 1 risk-based capital ratio | 15.6835% | 3,225 |
| Total risk-based capital ratio | 16.8009% | 3,227 |
| Memoranda: | ||
| Average total assets | $68,870,000 | 5,377 |
| Average earning assets | $61,296,750 | 5,424 |
| Average equity | $7,667,500 | 5,323 |
| Average total loans | $45,599,500 | 5,019 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,362 |
| Cost of funding earning assets | 0.2869% | 5,111 |
| Net interest margin | 4.0684% | 1,613 |
| Noninterest income to average assets | 0.5210% | 3,334 |
| Noninterest expense to average assets | 3.0916% | 2,534 |
| Loan and lease loss provision to assets | 0.1698% | 1,442 |
| Net operating income to assets | 0.6465% | 4,118 |
| Return on assets (ROA) | 0.6247% | 4,320 |
| Pretax return on assets | 0.8233% | 4,186 |
| Return on Equity (ROE) | 5.6873% | 4,335 |
| Retained earnings to average equity (ytd only) | 2.1491% | 4,823 |
| Net charge-offs to loans | 0.0351% | 3,509 |
| Credit loss provision to net charge-offs | 737.5000% | 437 |
| Earnings coverage of net charge-offs (x) | 44.3750% | 981 |
| Efficiency ratio | 75.1575% | 2,784 |
| Assets per employee ($millions) | 3.9847% | 3,871 |
| Cash dividends to net income (ytd only)* | 62.2120% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 5,753 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 62.8716% | 3,262 |
| Net loans and leases to deposits | 74.5011% | 3,266 |
| Net loans and leases to core deposits | 75.8686% | 3,637 |
| Total domestic deposits to total assets | 84.3902% | 3,783 |
| Equity capital to assets | 10.7509% | 3,147 |
| Core capital (leverage) ratio | 10.9324% | 2,491 |
| Tier 1 risk-based capital ratio | 15.0167% | 3,630 |
| Total risk-based capital ratio | 16.0619% | 3,691 |
| Memoranda: | ||
| Average total assets | $69,478,330 | 5,408 |
| Average earning assets | $61,351,000 | 5,471 |
| Average equity | $7,631,000 | 5,364 |
| Average total loans | $45,601,000 | 5,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 1,768 |
| Cost of funding earning assets | 0.3005% | 5,059 |
| Net interest margin | 4.2141% | 1,177 |
| Noninterest income to average assets | 0.6730% | 2,333 |
| Noninterest expense to average assets | 3.1190% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9538% | 2,388 |
| Return on assets (ROA) | 0.9538% | 2,460 |
| Pretax return on assets | 1.2464% | 2,295 |
| Return on Equity (ROE) | 8.5891% | 2,648 |
| Retained earnings to average equity (ytd only) | 1.4754% | 5,024 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4477% | 3,591 |
| Assets per employee ($millions) | 3.8904% | 4,153 |
| Cash dividends to net income (ytd only)* | 82.8221% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 4,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.6452% | 3,454 |
| Net loans and leases to deposits | 72.3130% | 3,295 |
| Net loans and leases to core deposits | 73.6806% | 3,682 |
| Total domestic deposits to total assets | 83.8648% | 4,322 |
| Equity capital to assets | 10.8872% | 2,839 |
| Core capital (leverage) ratio | 11.0690% | 2,332 |
| Tier 1 risk-based capital ratio | 15.9747% | 3,180 |
| Total risk-based capital ratio | 16.9882% | 3,274 |
| Memoranda: | ||
| Average total assets | $68,355,500 | 5,500 |
| Average earning assets | $59,894,500 | 5,564 |
| Average equity | $7,591,000 | 5,395 |
| Average total loans | $45,585,500 | 5,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,757 |
| Cost of funding earning assets | 0.3856% | 4,795 |
| Net interest margin | 4.2497% | 1,221 |
| Noninterest income to average assets | 0.4589% | 4,028 |
| Noninterest expense to average assets | 3.0840% | 2,784 |
| Loan and lease loss provision to assets | 0.1228% | 2,773 |
| Net operating income to assets | 0.6690% | 3,943 |
| Return on assets (ROA) | 0.6680% | 4,045 |
| Pretax return on assets | 0.9398% | 3,596 |
| Return on Equity (ROE) | 6.0893% | 4,039 |
| Retained earnings to average equity (ytd only) | 4.3571% | 3,077 |
| Net charge-offs to loans | 0.0529% | 4,482 |
| Credit loss provision to net charge-offs | 350.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,179 |
| Efficiency ratio | 74.3481% | 3,073 |
| Assets per employee ($millions) | 3.7047% | 4,466 |
| Cash dividends to net income (ytd only)* | 28.4464% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 5,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 5,881 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.5749% | 1,759 |
| Net loans and leases to deposits | 87.5954% | 1,509 |
| Net loans and leases to core deposits | 88.9653% | 2,137 |
| Total domestic deposits to total assets | 81.7108% | 4,965 |
| Equity capital to assets | 11.3341% | 2,312 |
| Core capital (leverage) ratio | 10.9504% | 2,437 |
| Tier 1 risk-based capital ratio | 13.8566% | 4,393 |
| Total risk-based capital ratio | 14.7389% | 4,603 |
| Memoranda: | ||
| Average total assets | $68,418,200 | 5,531 |
| Average earning assets | $59,392,400 | 5,609 |
| Average equity | $7,505,000 | 5,459 |
| Average total loans | $45,365,400 | 5,136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,991 |
| Cost of funding earning assets | 0.3958% | 4,850 |
| Net interest margin | 4.1693% | 1,425 |
| Noninterest income to average assets | 0.4783% | 3,945 |
| Noninterest expense to average assets | 2.9454% | 3,152 |
| Loan and lease loss provision to assets | 0.1220% | 2,767 |
| Net operating income to assets | 0.7469% | 3,615 |
| Return on assets (ROA) | 0.7455% | 3,748 |
| Pretax return on assets | 1.0399% | 3,340 |
| Return on Equity (ROE) | 6.8518% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.5382% | 3,443 |
| Net charge-offs to loans | 0.0030% | 5,150 |
| Credit loss provision to net charge-offs | 6,300.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 602.4887% | 93 |
| Efficiency ratio | 71.6777% | 3,466 |
| Assets per employee ($millions) | 4.1778% | 3,470 |
| Cash dividends to net income (ytd only)* | 33.7665% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,485 |
| Loan loss allowance to noncurrent loans | 48,900.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 6,026 |
| Noncurrent loans to loans | 0.0022% | 6,393 |
| Net loans and leases to total assets | 64.2730% | 2,958 |
| Net loans and leases to deposits | 77.2164% | 2,794 |
| Net loans and leases to core deposits | 78.3280% | 3,317 |
| Total domestic deposits to total assets | 83.2376% | 4,488 |
| Equity capital to assets | 10.5826% | 3,183 |
| Core capital (leverage) ratio | 11.1987% | 2,307 |
| Tier 1 risk-based capital ratio | 14.1708% | 4,304 |
| Total risk-based capital ratio | 15.0856% | 4,499 |
| Memoranda: | ||
| Average total assets | $68,851,750 | 5,569 |
| Average earning assets | $59,960,000 | 5,652 |
| Average equity | $7,491,750 | 5,520 |
| Average total loans | $44,652,750 | 5,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 2,009 |
| Cost of funding earning assets | 0.4698% | 4,207 |
| Net interest margin | 4.0874% | 1,577 |
| Noninterest income to average assets | 0.5314% | 3,625 |
| Noninterest expense to average assets | 3.0501% | 2,837 |
| Loan and lease loss provision to assets | 0.1233% | 2,777 |
| Net operating income to assets | 0.6994% | 3,811 |
| Return on assets (ROA) | 0.7016% | 3,973 |
| Pretax return on assets | 0.9365% | 3,759 |
| Return on Equity (ROE) | 6.3872% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.3872% | 2,210 |
| Net charge-offs to loans | 0.0045% | 4,818 |
| Credit loss provision to net charge-offs | 4,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 140 |
| Efficiency ratio | 74.2673% | 3,081 |
| Assets per employee ($millions) | 4.1055% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,711 |
| Loan loss allowance to noncurrent loans | 46,800.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 6,063 |
| Noncurrent loans to loans | 0.0022% | 6,455 |
| Net loans and leases to total assets | 64.4525% | 2,845 |
| Net loans and leases to deposits | 78.5376% | 2,511 |
| Net loans and leases to core deposits | 79.7038% | 3,061 |
| Total domestic deposits to total assets | 82.0658% | 5,040 |
| Equity capital to assets | 10.7789% | 2,966 |
| Core capital (leverage) ratio | 11.0125% | 2,341 |
| Tier 1 risk-based capital ratio | 14.7027% | 3,968 |
| Total risk-based capital ratio | 15.6129% | 4,142 |
| Memoranda: | ||
| Average total assets | $68,128,330 | 5,634 |
| Average earning assets | $59,597,670 | 5,706 |
| Average equity | $7,483,670 | 5,567 |
| Average total loans | $44,158,000 | 5,258 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 2,059 |
| Cost of funding earning assets | 0.4627% | 4,455 |
| Net interest margin | 4.0690% | 1,564 |
| Noninterest income to average assets | 0.6776% | 2,707 |
| Noninterest expense to average assets | 2.9839% | 3,039 |
| Loan and lease loss provision to assets | 0.1248% | 2,670 |
| Net operating income to assets | 0.8856% | 2,720 |
| Return on assets (ROA) | 0.8856% | 2,866 |
| Pretax return on assets | 1.1234% | 2,868 |
| Return on Equity (ROE) | 7.9850% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.9850% | 1,756 |
| Net charge-offs to loans | 0.0092% | 3,969 |
| Credit loss provision to net charge-offs | 2,100.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 192 |
| Efficiency ratio | 70.5056% | 3,892 |
| Assets per employee ($millions) | 4.0342% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 5,860 |
| Loan loss allowance to noncurrent loans | 44,700.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 6,126 |
| Noncurrent loans to loans | 0.0023% | 6,523 |
| Net loans and leases to total assets | 62.3837% | 2,984 |
| Net loans and leases to deposits | 76.2394% | 2,599 |
| Net loans and leases to core deposits | 77.3951% | 3,142 |
| Total domestic deposits to total assets | 81.8261% | 5,259 |
| Equity capital to assets | 10.9883% | 2,969 |
| Core capital (leverage) ratio | 10.9898% | 2,275 |
| Tier 1 risk-based capital ratio | 15.3783% | 3,604 |
| Total risk-based capital ratio | 16.2985% | 3,758 |
| Memoranda: | ||
| Average total assets | $67,295,500 | 5,702 |
| Average earning assets | $58,786,000 | 5,784 |
| Average equity | $7,464,000 | 5,629 |
| Average total loans | $43,511,000 | 5,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 1,232 |
| Cost of funding earning assets | 0.5710% | 4,629 |
| Net interest margin | 4.5664% | 836 |
| Noninterest income to average assets | 0.4798% | 4,043 |
| Noninterest expense to average assets | 3.1520% | 2,758 |
| Loan and lease loss provision to assets | 0.0917% | 4,530 |
| Net operating income to assets | 0.8709% | 2,957 |
| Return on assets (ROA) | 0.8709% | 3,198 |
| Pretax return on assets | 1.2315% | 2,674 |
| Return on Equity (ROE) | 7.7562% | 3,206 |
| Retained earnings to average equity (ytd only) | 2.7895% | 4,279 |
| Net charge-offs to loans | 0.3667% | 2,800 |
| Credit loss provision to net charge-offs | 36.5854% | 4,998 |
| Earnings coverage of net charge-offs (x) | 5.2805% | 3,084 |
| Efficiency ratio | 70.4336% | 3,726 |
| Assets per employee ($millions) | 3.8829% | 4,192 |
| Cash dividends to net income (ytd only)* | 64.0351% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,050 |
| Loan loss allowance to noncurrent loans | 42,700.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 6,170 |
| Noncurrent loans to loans | 0.0023% | 6,590 |
| Net loans and leases to total assets | 65.6941% | 2,577 |
| Net loans and leases to deposits | 81.5649% | 2,061 |
| Net loans and leases to core deposits | 82.8680% | 2,682 |
| Total domestic deposits to total assets | 80.5420% | 5,532 |
| Equity capital to assets | 11.1985% | 2,736 |
| Core capital (leverage) ratio | 11.2213% | 2,074 |
| Tier 1 risk-based capital ratio | 15.2413% | 3,587 |
| Total risk-based capital ratio | 16.1302% | 3,737 |
| Memoranda: | ||
| Average total assets | $65,449,600 | 5,767 |
| Average earning assets | $57,266,000 | 5,831 |
| Average equity | $7,349,000 | 5,680 |
| Average total loans | $44,720,800 | 5,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 1,275 |
| Cost of funding earning assets | 0.5930% | 4,719 |
| Net interest margin | 4.5693% | 868 |
| Noninterest income to average assets | 0.5002% | 3,926 |
| Noninterest expense to average assets | 2.9765% | 3,317 |
| Loan and lease loss provision to assets | 0.0919% | 4,448 |
| Net operating income to assets | 1.0310% | 2,363 |
| Return on assets (ROA) | 1.0310% | 2,579 |
| Pretax return on assets | 1.4434% | 2,100 |
| Return on Equity (ROE) | 9.1755% | 2,719 |
| Retained earnings to average equity (ytd only) | 4.8148% | 3,503 |
| Net charge-offs to loans | 0.0237% | 5,336 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 93.9681% | 446 |
| Efficiency ratio | 65.9729% | 4,455 |
| Assets per employee ($millions) | 3.8645% | 4,164 |
| Cash dividends to net income (ytd only)* | 47.5242% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 4,978 |
| Loan loss allowance to noncurrent loans | 357.2327% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 5,696 |
| Noncurrent loans to loans | 0.3539% | 5,771 |
| Net loans and leases to total assets | 67.5145% | 2,365 |
| Net loans and leases to deposits | 85.0544% | 1,720 |
| Net loans and leases to core deposits | 86.4384% | 2,406 |
| Total domestic deposits to total assets | 79.3781% | 5,790 |
| Equity capital to assets | 11.3582% | 2,888 |
| Core capital (leverage) ratio | 10.9879% | 2,398 |
| Tier 1 risk-based capital ratio | 15.2583% | 3,668 |
| Total risk-based capital ratio | 16.4327% | 3,666 |
| Memoranda: | ||
| Average total assets | $65,309,750 | 5,836 |
| Average earning assets | $57,338,250 | 5,898 |
| Average equity | $7,338,250 | 5,733 |
| Average total loans | $44,953,250 | 5,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 1,185 |
| Cost of funding earning assets | 0.6121% | 4,790 |
| Net interest margin | 4.6168% | 798 |
| Noninterest income to average assets | 0.5462% | 3,606 |
| Noninterest expense to average assets | 3.0224% | 3,176 |
| Loan and lease loss provision to assets | 0.0921% | 4,412 |
| Net operating income to assets | 1.0831% | 2,116 |
| Return on assets (ROA) | 1.0831% | 2,331 |
| Pretax return on assets | 1.4820% | 1,911 |
| Return on Equity (ROE) | 9.6752% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.2491% | 2,538 |
| Net charge-offs to loans | 0.0311% | 4,942 |
| Credit loss provision to net charge-offs | 428.5714% | 688 |
| Earnings coverage of net charge-offs (x) | 73.2857% | 549 |
| Efficiency ratio | 65.7543% | 4,578 |
| Assets per employee ($millions) | 3.9091% | 4,058 |
| Cash dividends to net income (ytd only)* | 35.4108% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 5,056 |
| Loan loss allowance to noncurrent loans | 217.2549% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 5,408 |
| Noncurrent loans to loans | 0.5827% | 5,344 |
| Net loans and leases to total assets | 65.0149% | 2,842 |
| Net loans and leases to deposits | 82.5373% | 2,040 |
| Net loans and leases to core deposits | 84.7240% | 2,598 |
| Total domestic deposits to total assets | 78.7703% | 6,001 |
| Equity capital to assets | 11.1581% | 2,946 |
| Core capital (leverage) ratio | 10.9546% | 2,348 |
| Tier 1 risk-based capital ratio | 15.6949% | 3,336 |
| Total risk-based capital ratio | 16.8790% | 3,335 |
| Memoranda: | ||
| Average total assets | $65,180,670 | 5,879 |
| Average earning assets | $57,182,670 | 5,936 |
| Average equity | $7,297,000 | 5,758 |
| Average total loans | $44,963,330 | 5,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4232% | 878 |
| Cost of funding earning assets | 0.6285% | 4,905 |
| Net interest margin | 4.7947% | 572 |
| Noninterest income to average assets | 0.7189% | 2,560 |
| Noninterest expense to average assets | 2.9623% | 3,416 |
| Loan and lease loss provision to assets | 0.0930% | 4,185 |
| Net operating income to assets | 1.4688% | 1,085 |
| Return on assets (ROA) | 1.4688% | 1,214 |
| Pretax return on assets | 1.8716% | 932 |
| Return on Equity (ROE) | 13.0975% | 1,382 |
| Retained earnings to average equity (ytd only) | 6.1896% | 2,845 |
| Net charge-offs to loans | 0.0527% | 3,973 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 52.8333% | 611 |
| Efficiency ratio | 60.1258% | 5,595 |
| Assets per employee ($millions) | 3.9461% | 4,121 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,259 |
| Loan loss allowance to noncurrent loans | 298.3425% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 5,795 |
| Noncurrent loans to loans | 0.4182% | 5,834 |
| Net loans and leases to total assets | 63.7121% | 2,908 |
| Net loans and leases to deposits | 80.6826% | 2,102 |
| Net loans and leases to core deposits | 82.7909% | 2,714 |
| Total domestic deposits to total assets | 78.9664% | 6,083 |
| Equity capital to assets | 10.8627% | 3,070 |
| Core capital (leverage) ratio | 11.0611% | 2,214 |
| Tier 1 risk-based capital ratio | 15.3671% | 3,520 |
| Total risk-based capital ratio | 16.5153% | 3,540 |
| Memoranda: | ||
| Average total assets | $64,544,000 | 5,939 |
| Average earning assets | $56,646,000 | 5,989 |
| Average equity | $7,238,000 | 5,799 |
| Average total loans | $45,565,500 | 5,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3851% | 1,451 |
| Cost of funding earning assets | 0.8286% | 4,642 |
| Net interest margin | 4.5565% | 1,010 |
| Noninterest income to average assets | 0.5467% | 3,533 |
| Noninterest expense to average assets | 3.4114% | 2,212 |
| Loan and lease loss provision to assets | 0.0395% | 6,078 |
| Net operating income to assets | 0.8230% | 2,939 |
| Return on assets (ROA) | 0.8264% | 3,089 |
| Pretax return on assets | 1.1582% | 2,620 |
| Return on Equity (ROE) | 7.4540% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.1474% | 3,228 |
| Net charge-offs to loans | 0.2889% | 3,967 |
| Credit loss provision to net charge-offs | 18.6567% | 5,932 |
| Earnings coverage of net charge-offs (x) | 5.6343% | 2,725 |
| Efficiency ratio | 74.0906% | 3,224 |
| Assets per employee ($millions) | 3.4447% | 5,146 |
| Cash dividends to net income (ytd only)* | 44.3595% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,778 |
| Loan loss allowance to noncurrent loans | 340.3846% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,910 |
| Noncurrent loans to loans | 0.3260% | 6,080 |
| Net loans and leases to total assets | 76.3164% | 906 |
| Net loans and leases to deposits | 98.1193% | 554 |
| Net loans and leases to core deposits | 100.9386% | 1,098 |
| Total domestic deposits to total assets | 77.7792% | 6,233 |
| Equity capital to assets | 11.5942% | 2,429 |
| Core capital (leverage) ratio | 11.3580% | 2,000 |
| Tier 1 risk-based capital ratio | 14.2300% | 4,159 |
| Total risk-based capital ratio | 15.2919% | 4,248 |
| Memoranda: | ||
| Average total assets | $63,288,600 | 5,945 |
| Average earning assets | $56,359,400 | 5,967 |
| Average equity | $7,016,400 | 5,861 |
| Average total loans | $46,384,600 | 5,406 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3437% | 1,703 |
| Cost of funding earning assets | 0.8106% | 5,083 |
| Net interest margin | 4.5332% | 1,080 |
| Noninterest income to average assets | 0.5722% | 3,365 |
| Noninterest expense to average assets | 3.2678% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9683% | 2,442 |
| Return on assets (ROA) | 0.9579% | 2,663 |
| Pretax return on assets | 1.3457% | 2,131 |
| Return on Equity (ROE) | 8.7380% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.3020% | 3,670 |
| Net charge-offs to loans | 0.3882% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.8433% | 2,947 |
| Efficiency ratio | 70.6069% | 3,833 |
| Assets per employee ($millions) | 3.2703% | 5,535 |
| Cash dividends to net income (ytd only)* | 50.7664% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 5,785 |
| Loan loss allowance to noncurrent loans | 324.3590% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 6,014 |
| Noncurrent loans to loans | 0.3471% | 6,155 |
| Net loans and leases to total assets | 71.5185% | 1,815 |
| Net loans and leases to deposits | 94.2501% | 812 |
| Net loans and leases to core deposits | 98.8236% | 1,357 |
| Total domestic deposits to total assets | 75.8815% | 6,546 |
| Equity capital to assets | 11.4702% | 2,709 |
| Core capital (leverage) ratio | 11.3012% | 2,160 |
| Tier 1 risk-based capital ratio | 14.9711% | 3,673 |
| Total risk-based capital ratio | 16.0458% | 3,755 |
| Memoranda: | ||
| Average total assets | $63,609,500 | 5,974 |
| Average earning assets | $56,912,500 | 6,004 |
| Average equity | $6,973,250 | 5,907 |
| Average total loans | $46,018,000 | 5,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 2,152 |
| Cost of funding earning assets | 0.8173% | 5,260 |
| Net interest margin | 4.4120% | 1,337 |
| Noninterest income to average assets | 0.5866% | 3,217 |
| Noninterest expense to average assets | 3.2012% | 2,892 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9740% | 2,337 |
| Return on assets (ROA) | 0.9672% | 2,466 |
| Pretax return on assets | 1.3510% | 1,956 |
| Return on Equity (ROE) | 8.9569% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.4897% | 2,694 |
| Net charge-offs to loans | -0.0086% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1778% | 4,083 |
| Assets per employee ($millions) | 3.7862% | 4,234 |
| Cash dividends to net income (ytd only)* | 38.7097% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,580 |
| Loan loss allowance to noncurrent loans | 219.1126% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 5,675 |
| Noncurrent loans to loans | 0.6379% | 5,650 |
| Net loans and leases to total assets | 70.3663% | 2,143 |
| Net loans and leases to deposits | 92.8096% | 972 |
| Net loans and leases to core deposits | 97.1494% | 1,569 |
| Total domestic deposits to total assets | 75.8180% | 6,624 |
| Equity capital to assets | 10.9763% | 2,987 |
| Core capital (leverage) ratio | 10.9082% | 2,335 |
| Tier 1 risk-based capital ratio | 14.7059% | 3,669 |
| Total risk-based capital ratio | 15.9576% | 3,635 |
| Memoranda: | ||
| Average total assets | $64,101,000 | 6,010 |
| Average earning assets | $57,751,670 | 6,029 |
| Average equity | $6,922,000 | 5,943 |
| Average total loans | $46,376,000 | 5,505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 2,262 |
| Cost of funding earning assets | 0.8279% | 5,409 |
| Net interest margin | 4.3603% | 1,394 |
| Noninterest income to average assets | 0.6878% | 2,638 |
| Noninterest expense to average assets | 3.2453% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0364% | 2,044 |
| Return on assets (ROA) | 1.0318% | 2,113 |
| Pretax return on assets | 1.3882% | 1,754 |
| Return on Equity (ROE) | 9.6343% | 2,239 |
| Retained earnings to average equity (ytd only) | 2.6275% | 4,593 |
| Net charge-offs to loans | -0.0086% | 6,330 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9461% | 4,285 |
| Assets per employee ($millions) | 3.7842% | 4,336 |
| Cash dividends to net income (ytd only)* | 72.7273% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 4,699 |
| Loan loss allowance to noncurrent loans | 220.2749% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 5,714 |
| Noncurrent loans to loans | 0.6321% | 5,772 |
| Net loans and leases to total assets | 70.5621% | 2,018 |
| Net loans and leases to deposits | 92.0640% | 1,016 |
| Net loans and leases to core deposits | 95.3255% | 1,737 |
| Total domestic deposits to total assets | 76.6446% | 6,587 |
| Equity capital to assets | 10.6852% | 3,002 |
| Core capital (leverage) ratio | 10.6718% | 2,455 |
| Tier 1 risk-based capital ratio | 14.7695% | 3,566 |
| Total risk-based capital ratio | 16.0209% | 3,529 |
| Memoranda: | ||
| Average total assets | $63,968,500 | 6,061 |
| Average earning assets | $57,978,000 | 6,066 |
| Average equity | $6,850,500 | 5,974 |
| Average total loans | $46,597,000 | 5,542 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 3,081 |
| Cost of funding earning assets | 1.0071% | 5,658 |
| Net interest margin | 4.3030% | 1,813 |
| Noninterest income to average assets | 0.5921% | 3,530 |
| Noninterest expense to average assets | 3.1421% | 3,303 |
| Loan and lease loss provision to assets | 0.0940% | 6,202 |
| Net operating income to assets | 0.8690% | 2,515 |
| Return on assets (ROA) | 0.8615% | 2,692 |
| Pretax return on assets | 1.2735% | 2,007 |
| Return on Equity (ROE) | 8.2488% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.8743% | 2,493 |
| Net charge-offs to loans | -0.0324% | 7,406 |
| Credit loss provision to net charge-offs | -400.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5080% | 4,280 |
| Assets per employee ($millions) | 3.7415% | 4,380 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 4,711 |
| Loan loss allowance to noncurrent loans | 219.9313% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 5,734 |
| Noncurrent loans to loans | 0.6171% | 5,816 |
| Net loans and leases to total assets | 73.1373% | 1,843 |
| Net loans and leases to deposits | 97.8791% | 728 |
| Net loans and leases to core deposits | 101.4746% | 1,495 |
| Total domestic deposits to total assets | 74.7221% | 6,805 |
| Equity capital to assets | 10.7334% | 2,922 |
| Core capital (leverage) ratio | 10.6336% | 2,430 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,606 |
| Total risk-based capital ratio | 15.6654% | 3,560 |
| Memoranda: | ||
| Average total assets | $63,841,800 | 6,066 |
| Average earning assets | $58,285,200 | 6,053 |
| Average equity | $6,667,600 | 6,144 |
| Average total loans | $46,337,600 | 5,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 3,536 |
| Cost of funding earning assets | 1.0359% | 5,769 |
| Net interest margin | 4.2236% | 2,132 |
| Noninterest income to average assets | 0.5508% | 3,780 |
| Noninterest expense to average assets | 3.1527% | 3,098 |
| Loan and lease loss provision to assets | 0.0939% | 6,086 |
| Net operating income to assets | 0.8078% | 2,966 |
| Return on assets (ROA) | 0.8179% | 3,070 |
| Pretax return on assets | 1.1810% | 2,559 |
| Return on Equity (ROE) | 7.8858% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.3595% | 4,084 |
| Net charge-offs to loans | -0.0405% | 7,445 |
| Credit loss provision to net charge-offs | -321.4286% | 6,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4421% | 3,812 |
| Assets per employee ($millions) | 3.9605% | 3,920 |
| Cash dividends to net income (ytd only)* | 57.3979% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,756 |
| Loan loss allowance to noncurrent loans | 214.4330% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 5,455 |
| Noncurrent loans to loans | 0.6246% | 5,957 |
| Net loans and leases to total assets | 72.5335% | 2,117 |
| Net loans and leases to deposits | 98.9665% | 726 |
| Net loans and leases to core deposits | 101.8909% | 1,664 |
| Total domestic deposits to total assets | 73.2909% | 7,005 |
| Equity capital to assets | 10.6063% | 3,401 |
| Core capital (leverage) ratio | 10.5538% | 2,635 |
| Tier 1 risk-based capital ratio | 14.4273% | 3,551 |
| Total risk-based capital ratio | 15.6783% | 3,527 |
| Memoranda: | ||
| Average total assets | $63,901,000 | 6,135 |
| Average earning assets | $58,432,500 | 6,112 |
| Average equity | $6,627,750 | 6,228 |
| Average total loans | $46,132,250 | 5,724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 3,993 |
| Cost of funding earning assets | 1.0605% | 5,869 |
| Net interest margin | 4.1328% | 2,411 |
| Noninterest income to average assets | 0.5868% | 3,433 |
| Noninterest expense to average assets | 3.1805% | 2,974 |
| Loan and lease loss provision to assets | 0.0936% | 5,976 |
| Net operating income to assets | 0.7772% | 3,079 |
| Return on assets (ROA) | 0.7772% | 3,224 |
| Pretax return on assets | 1.0955% | 2,800 |
| Return on Equity (ROE) | 7.5493% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.9111% | 3,600 |
| Net charge-offs to loans | -0.0609% | 7,476 |
| Credit loss provision to net charge-offs | -214.2857% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7857% | 3,697 |
| Assets per employee ($millions) | 4.0286% | 3,718 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,631 |
| Loan loss allowance to noncurrent loans | 209.6220% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 5,505 |
| Noncurrent loans to loans | 0.6480% | 5,961 |
| Net loans and leases to total assets | 68.7254% | 3,191 |
| Net loans and leases to deposits | 93.7545% | 1,309 |
| Net loans and leases to core deposits | 96.4720% | 2,394 |
| Total domestic deposits to total assets | 73.3035% | 7,061 |
| Equity capital to assets | 10.3742% | 3,553 |
| Core capital (leverage) ratio | 10.2164% | 2,918 |
| Tier 1 risk-based capital ratio | 14.9630% | 3,166 |
| Total risk-based capital ratio | 16.2137% | 3,136 |
| Memoranda: | ||
| Average total assets | $64,078,670 | 6,176 |
| Average earning assets | $58,652,330 | 6,152 |
| Average equity | $6,596,670 | 6,269 |
| Average total loans | $45,980,670 | 5,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 3,932 |
| Cost of funding earning assets | 1.1160% | 5,824 |
| Net interest margin | 4.1012% | 2,435 |
| Noninterest income to average assets | 0.7263% | 2,427 |
| Noninterest expense to average assets | 3.2995% | 2,534 |
| Loan and lease loss provision to assets | 0.0939% | 5,688 |
| Net operating income to assets | 0.7137% | 3,373 |
| Return on assets (ROA) | 0.7137% | 3,484 |
| Pretax return on assets | 1.0831% | 2,794 |
| Return on Equity (ROE) | 6.9602% | 3,364 |
| Retained earnings to average equity (ytd only) | -0.3663% | 5,915 |
| Net charge-offs to loans | -0.1462% | 7,605 |
| Credit loss provision to net charge-offs | -88.2353% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7063% | 3,620 |
| Assets per employee ($millions) | 3.9874% | 3,900 |
| Cash dividends to net income (ytd only)* | 105.2632% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,911 |
| Loan loss allowance to noncurrent loans | 205.1546% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 5,413 |
| Noncurrent loans to loans | 0.6357% | 6,048 |
| Net loans and leases to total assets | 70.8126% | 2,737 |
| Net loans and leases to deposits | 97.3936% | 968 |
| Net loans and leases to core deposits | 100.2663% | 2,104 |
| Total domestic deposits to total assets | 72.7076% | 7,192 |
| Equity capital to assets | 10.2574% | 3,526 |
| Core capital (leverage) ratio | 10.0528% | 3,098 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,401 |
| Total risk-based capital ratio | 15.7175% | 3,369 |
| Memoranda: | ||
| Average total assets | $63,889,000 | 6,246 |
| Average earning assets | $58,422,500 | 6,228 |
| Average equity | $6,551,500 | 6,331 |
| Average total loans | $46,516,500 | 5,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 3,824 |
| Cost of funding earning assets | 1.5041% | 5,498 |
| Net interest margin | 4.0546% | 2,628 |
| Noninterest income to average assets | 0.5228% | 4,238 |
| Noninterest expense to average assets | 3.3760% | 2,758 |
| Loan and lease loss provision to assets | 0.1338% | 6,299 |
| Net operating income to assets | 0.4818% | 3,808 |
| Return on assets (ROA) | 0.4818% | 3,901 |
| Pretax return on assets | 0.7101% | 3,534 |
| Return on Equity (ROE) | 4.7216% | 3,792 |
| Retained earnings to average equity (ytd only) | 1.4813% | 4,029 |
| Net charge-offs to loans | 0.3046% | 4,728 |
| Credit loss provision to net charge-offs | 56.6667% | 6,675 |
| Earnings coverage of net charge-offs (x) | 3.5733% | 3,289 |
| Efficiency ratio | 80.0000% | 2,891 |
| Assets per employee ($millions) | 3.7635% | 4,368 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,394 |
| Loan loss allowance to noncurrent loans | 191.5254% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 5,357 |
| Noncurrent loans to loans | 0.6242% | 5,992 |
| Net loans and leases to total assets | 72.9822% | 2,515 |
| Net loans and leases to deposits | 100.6879% | 846 |
| Net loans and leases to core deposits | 110.1975% | 2,874 |
| Total domestic deposits to total assets | 72.4836% | 7,204 |
| Equity capital to assets | 10.2516% | 3,457 |
| Core capital (leverage) ratio | 10.1825% | 2,905 |
| Tier 1 risk-based capital ratio | 14.1258% | 3,421 |
| Total risk-based capital ratio | 15.3539% | 3,393 |
| Memoranda: | ||
| Average total assets | $63,507,800 | 6,218 |
| Average earning assets | $57,909,200 | 6,223 |
| Average equity | $6,480,800 | 6,434 |
| Average total loans | $49,242,000 | 5,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 3,842 |
| Cost of funding earning assets | 1.5831% | 5,477 |
| Net interest margin | 4.0211% | 2,719 |
| Noninterest income to average assets | 0.5616% | 4,002 |
| Noninterest expense to average assets | 3.2791% | 2,998 |
| Loan and lease loss provision to assets | 0.1788% | 5,573 |
| Net operating income to assets | 0.5279% | 3,869 |
| Return on assets (ROA) | 0.5279% | 3,957 |
| Pretax return on assets | 0.7740% | 3,611 |
| Return on Equity (ROE) | 5.1795% | 3,889 |
| Retained earnings to average equity (ytd only) | 0.8461% | 4,829 |
| Net charge-offs to loans | 0.3324% | 3,972 |
| Credit loss provision to net charge-offs | 68.5484% | 6,008 |
| Earnings coverage of net charge-offs (x) | 3.6532% | 3,438 |
| Efficiency ratio | 77.4851% | 3,240 |
| Assets per employee ($millions) | 3.7325% | 4,353 |
| Cash dividends to net income (ytd only)* | 83.6640% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,918 |
| Loan loss allowance to noncurrent loans | 136.2587% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 5,215 |
| Noncurrent loans to loans | 0.9078% | 5,470 |
| Net loans and leases to total assets | 74.2388% | 2,460 |
| Net loans and leases to deposits | 103.0924% | 835 |
| Net loans and leases to core deposits | 112.9694% | 2,931 |
| Total domestic deposits to total assets | 72.0119% | 7,211 |
| Equity capital to assets | 10.2329% | 3,807 |
| Core capital (leverage) ratio | 10.0631% | 3,216 |
| Tier 1 risk-based capital ratio | 14.1748% | 3,454 |
| Total risk-based capital ratio | 15.4264% | 3,400 |
| Memoranda: | ||
| Average total assets | $63,389,750 | 6,270 |
| Average earning assets | $57,860,250 | 6,262 |
| Average equity | $6,461,250 | 6,500 |
| Average total loans | $49,737,750 | 5,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 3,913 |
| Cost of funding earning assets | 1.6579% | 5,481 |
| Net interest margin | 3.9720% | 2,822 |
| Noninterest income to average assets | 0.5744% | 3,875 |
| Noninterest expense to average assets | 3.3297% | 2,854 |
| Loan and lease loss provision to assets | 0.1736% | 5,323 |
| Net operating income to assets | 0.4734% | 4,206 |
| Return on assets (ROA) | 0.4734% | 4,316 |
| Pretax return on assets | 0.7007% | 3,988 |
| Return on Equity (ROE) | 4.6507% | 4,233 |
| Retained earnings to average equity (ytd only) | 0.9301% | 4,808 |
| Net charge-offs to loans | 0.2261% | 4,082 |
| Credit loss provision to net charge-offs | 96.4912% | 4,726 |
| Earnings coverage of net charge-offs (x) | 4.8596% | 2,982 |
| Efficiency ratio | 79.2042% | 3,159 |
| Assets per employee ($millions) | 3.8662% | 3,950 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 4,369 |
| Loan loss allowance to noncurrent loans | 180.9798% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 5,482 |
| Noncurrent loans to loans | 0.7099% | 5,820 |
| Net loans and leases to total assets | 73.4196% | 2,859 |
| Net loans and leases to deposits | 102.6047% | 1,027 |
| Net loans and leases to core deposits | 112.7453% | 3,052 |
| Total domestic deposits to total assets | 71.5557% | 7,301 |
| Equity capital to assets | 9.8425% | 4,159 |
| Core capital (leverage) ratio | 10.0210% | 3,275 |
| Tier 1 risk-based capital ratio | 14.1161% | 3,448 |
| Total risk-based capital ratio | 15.3671% | 3,388 |
| Memoranda: | ||
| Average total assets | $63,369,000 | 6,318 |
| Average earning assets | $57,905,670 | 6,317 |
| Average equity | $6,450,670 | 6,549 |
| Average total loans | $50,418,330 | 5,751 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7886% | 3,360 |
| Cost of funding earning assets | 1.7550% | 5,335 |
| Net interest margin | 4.0336% | 2,518 |
| Noninterest income to average assets | 0.7139% | 2,801 |
| Noninterest expense to average assets | 3.2866% | 2,694 |
| Loan and lease loss provision to assets | 0.1608% | 4,878 |
| Net operating income to assets | 0.6432% | 3,827 |
| Return on assets (ROA) | 0.6432% | 4,009 |
| Pretax return on assets | 0.9326% | 3,592 |
| Return on Equity (ROE) | 6.2097% | 3,949 |
| Retained earnings to average equity (ytd only) | -1.2419% | 5,943 |
| Net charge-offs to loans | 0.4611% | 2,291 |
| Credit loss provision to net charge-offs | 42.3729% | 4,785 |
| Earnings coverage of net charge-offs (x) | 2.8814% | 3,348 |
| Efficiency ratio | 75.0367% | 3,658 |
| Assets per employee ($millions) | 3.7300% | 4,271 |
| Cash dividends to net income (ytd only)* | 120.0000% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,791 |
| Loan loss allowance to noncurrent loans | 170.7736% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 4,549 |
| Noncurrent loans to loans | 0.7040% | 5,653 |
| Net loans and leases to total assets | 77.2402% | 1,982 |
| Net loans and leases to deposits | 109.8975% | 613 |
| Net loans and leases to core deposits | 121.0798% | 2,326 |
| Total domestic deposits to total assets | 70.2839% | 7,402 |
| Equity capital to assets | 10.1372% | 3,841 |
| Core capital (leverage) ratio | 10.2321% | 3,169 |
| Tier 1 risk-based capital ratio | 13.6462% | 3,769 |
| Total risk-based capital ratio | 14.8968% | 3,692 |
| Memoranda: | ||
| Average total assets | $62,191,000 | 6,392 |
| Average earning assets | $56,524,500 | 6,398 |
| Average equity | $6,441,500 | 6,599 |
| Average total loans | $51,186,000 | 5,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4575% | 3,165 |
| Cost of funding earning assets | 2.1371% | 5,892 |
| Net interest margin | 4.3204% | 1,918 |
| Noninterest income to average assets | 0.5570% | 4,184 |
| Noninterest expense to average assets | 3.3725% | 2,756 |
| Loan and lease loss provision to assets | 0.8507% | 1,754 |
| Net operating income to assets | 0.1960% | 5,862 |
| Return on assets (ROA) | 0.2376% | 5,557 |
| Pretax return on assets | 0.2921% | 5,525 |
| Return on Equity (ROE) | 2.2593% | 5,517 |
| Retained earnings to average equity (ytd only) | -1.8166% | 5,821 |
| Net charge-offs to loans | 0.9815% | 1,262 |
| Credit loss provision to net charge-offs | 102.3166% | 5,203 |
| Earnings coverage of net charge-offs (x) | 1.3127% | 5,468 |
| Efficiency ratio | 75.5484% | 3,316 |
| Assets per employee ($millions) | 3.5866% | 4,450 |
| Cash dividends to net income (ytd only)* | 180.4054% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,588 |
| Loan loss allowance to noncurrent loans | 75.4491% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 3,454 |
| Noncurrent loans to loans | 1.5815% | 3,406 |
| Net loans and leases to total assets | 85.5606% | 657 |
| Net loans and leases to deposits | 125.0162% | 284 |
| Net loans and leases to core deposits | 136.9778% | 1,433 |
| Total domestic deposits to total assets | 68.4396% | 7,426 |
| Equity capital to assets | 10.5868% | 3,407 |
| Core capital (leverage) ratio | 10.0039% | 3,442 |
| Tier 1 risk-based capital ratio | 13.1484% | 4,030 |
| Total risk-based capital ratio | 14.3989% | 3,939 |
| Memoranda: | ||
| Average total assets | $62,298,200 | 6,307 |
| Average earning assets | $56,337,600 | 6,328 |
| Average equity | $6,550,800 | 6,626 |
| Average total loans | $52,775,600 | 5,594 |