Home > Farmers and Merchants Bank of Kendall > Performance and Condition Ratios
Farmers and Merchants Bank of Kendall, Performance and Condition Ratios
| 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 | 4.4836% | 745 |
| Cost of funding earning assets | 0.1816% | 3,897 |
| Net interest margin | 4.3021% | 419 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.5220% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1552% | 231 |
| Return on assets (ROA) | 2.1794% | 213 |
| Pretax return on assets | 2.3707% | 244 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 2.3925% | 3,890 |
| Net charge-offs to loans | -0.2205% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.8243% | 3,990 |
| Assets per employee ($millions) | 6.2564% | 2,547 |
| Cash dividends to net income (ytd only)* | 82.0425% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,236 |
| Loan loss allowance to noncurrent loans | 170.2830% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 973 |
| Noncurrent loans to loans | 0.7237% | 1,040 |
| Net loans and leases to total assets | 71.1500% | 1,508 |
| Net loans and leases to deposits | 85.0470% | 1,386 |
| Net loans and leases to core deposits | 87.8648% | 1,618 |
| Total domestic deposits to total assets | 83.6600% | 3,283 |
| Equity capital to assets | 15.9837% | 389 |
| Core capital (leverage) ratio | 15.6958% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $79,976,000 | 4,133 |
| Average earning assets | $77,102,600 | 4,073 |
| Average equity | $13,082,800 | 3,562 |
| Average total loans | $58,053,000 | 3,768 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 834 |
| Cost of funding earning assets | 0.1799% | 3,519 |
| Net interest margin | 4.0521% | 577 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.4661% | 2,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9955% | 286 |
| Return on assets (ROA) | 2.0275% | 278 |
| Pretax return on assets | 2.2167% | 313 |
| Return on Equity (ROE) | 12.3200% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.2520% | 1,909 |
| Net charge-offs to loans | -0.2970% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.0620% | 3,911 |
| Assets per employee ($millions) | 6.0455% | 2,723 |
| Cash dividends to net income (ytd only)* | 33.0306% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,513 |
| Loan loss allowance to noncurrent loans | 168.2984% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 983 |
| Noncurrent loans to loans | 0.7142% | 1,144 |
| Net loans and leases to total assets | 75.5200% | 957 |
| Net loans and leases to deposits | 91.5836% | 786 |
| Net loans and leases to core deposits | 94.7718% | 1,052 |
| Total domestic deposits to total assets | 82.4500% | 3,762 |
| Equity capital to assets | 17.1763% | 312 |
| Core capital (leverage) ratio | 17.2743% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $79,636,750 | 4,164 |
| Average earning assets | $77,061,250 | 4,103 |
| Average equity | $13,103,500 | 3,603 |
| Average total loans | $57,919,250 | 3,783 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 928 |
| Cost of funding earning assets | 0.1937% | 2,997 |
| Net interest margin | 3.8127% | 732 |
| Noninterest income to average assets | 0.7151% | 1,275 |
| Noninterest expense to average assets | 2.4454% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7776% | 357 |
| Return on assets (ROA) | 1.8253% | 315 |
| Pretax return on assets | 2.0129% | 368 |
| Return on Equity (ROE) | 11.2553% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.4007% | 1,850 |
| Net charge-offs to loans | -0.4475% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5051% | 3,824 |
| Assets per employee ($millions) | 5.2697% | 3,456 |
| Cash dividends to net income (ytd only)* | 34.2466% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,607 |
| Loan loss allowance to noncurrent loans | 163.7188% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 1,025 |
| Noncurrent loans to loans | 0.7436% | 1,158 |
| Net loans and leases to total assets | 74.1160% | 908 |
| Net loans and leases to deposits | 89.3323% | 759 |
| Net loans and leases to core deposits | 92.4010% | 998 |
| Total domestic deposits to total assets | 82.9667% | 3,882 |
| Equity capital to assets | 16.6589% | 298 |
| Core capital (leverage) ratio | 16.2161% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,985,333 | 4,202 |
| Average earning assets | $77,426,000 | 4,150 |
| Average equity | $12,971,667 | 3,685 |
| Average total loans | $57,202,333 | 3,843 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 1,025 |
| Cost of funding earning assets | 0.2059% | 2,712 |
| Net interest margin | 3.6284% | 854 |
| Noninterest income to average assets | 0.7110% | 1,279 |
| Noninterest expense to average assets | 2.4063% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7527% | 363 |
| Return on assets (ROA) | 1.8395% | 305 |
| Pretax return on assets | 1.8992% | 451 |
| Return on Equity (ROE) | 11.4965% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.4965% | 683 |
| Net charge-offs to loans | -0.9118% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0755% | 3,772 |
| Assets per employee ($millions) | 5.3631% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,431 |
| Loan loss allowance to noncurrent loans | 149.4824% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 986 |
| Noncurrent loans to loans | 0.8595% | 1,088 |
| Net loans and leases to total assets | 68.9572% | 1,120 |
| Net loans and leases to deposits | 83.7685% | 894 |
| Net loans and leases to core deposits | 87.3221% | 1,060 |
| Total domestic deposits to total assets | 82.3188% | 4,041 |
| Equity capital to assets | 16.2330% | 302 |
| Core capital (leverage) ratio | 16.1962% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,455,500 | 4,220 |
| Average earning assets | $77,720,000 | 4,168 |
| Average equity | $12,873,500 | 3,772 |
| Average total loans | $56,150,000 | 3,862 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 651 |
| Cost of funding earning assets | 0.2816% | 2,582 |
| Net interest margin | 4.1676% | 516 |
| Noninterest income to average assets | 0.7091% | 1,733 |
| Noninterest expense to average assets | 2.4610% | 2,307 |
| Loan and lease loss provision to assets | 0.0222% | 2,622 |
| Net operating income to assets | 2.0545% | 307 |
| Return on assets (ROA) | 2.0545% | 323 |
| Pretax return on assets | 2.2485% | 377 |
| Return on Equity (ROE) | 13.0741% | 1,438 |
| Retained earnings to average equity (ytd only) | 3.6400% | 3,361 |
| Net charge-offs to loans | 0.0234% | 1,778 |
| Credit loss provision to net charge-offs | 128.5714% | 1,591 |
| Earnings coverage of net charge-offs (x) | 131.2857% | 735 |
| Efficiency ratio | 52.0104% | 4,114 |
| Assets per employee ($millions) | 5.0290% | 3,703 |
| Cash dividends to net income (ytd only)* | 72.1587% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,533 |
| Loan loss allowance to noncurrent loans | 28.3397% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.6049% | 97 |
| Noncurrent loans to loans | 3.7359% | 122 |
| Net loans and leases to total assets | 68.9874% | 1,148 |
| Net loans and leases to deposits | 83.3083% | 962 |
| Net loans and leases to core deposits | 86.8076% | 1,154 |
| Total domestic deposits to total assets | 82.8097% | 3,845 |
| Equity capital to assets | 15.7685% | 406 |
| Core capital (leverage) ratio | 15.5642% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,943,600 | 4,206 |
| Average earning assets | $78,126,200 | 4,152 |
| Average equity | $12,719,800 | 3,854 |
| Average total loans | $59,783,600 | 3,819 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 589 |
| Cost of funding earning assets | 0.3152% | 2,454 |
| Net interest margin | 4.2669% | 486 |
| Noninterest income to average assets | 0.7056% | 1,809 |
| Noninterest expense to average assets | 2.4425% | 2,297 |
| Loan and lease loss provision to assets | 0.0296% | 2,404 |
| Net operating income to assets | 2.1464% | 353 |
| Return on assets (ROA) | 2.1464% | 373 |
| Pretax return on assets | 2.3520% | 424 |
| Return on Equity (ROE) | 13.6706% | 1,490 |
| Retained earnings to average equity (ytd only) | 8.9566% | 1,714 |
| Net charge-offs to loans | 0.0022% | 2,301 |
| Credit loss provision to net charge-offs | 1,800.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 1,448.0000% | 105 |
| Efficiency ratio | 50.6308% | 4,159 |
| Assets per employee ($millions) | 5.1313% | 3,570 |
| Cash dividends to net income (ytd only)* | 34.4828% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,755 |
| Loan loss allowance to noncurrent loans | 52.6453% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 372 |
| Noncurrent loans to loans | 1.9479% | 459 |
| Net loans and leases to total assets | 71.3581% | 941 |
| Net loans and leases to deposits | 86.3729% | 808 |
| Net loans and leases to core deposits | 89.9315% | 1,037 |
| Total domestic deposits to total assets | 82.6163% | 3,797 |
| Equity capital to assets | 15.9342% | 424 |
| Core capital (leverage) ratio | 16.0191% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,063,500 | 4,251 |
| Average earning assets | $78,243,750 | 4,202 |
| Average equity | $12,727,750 | 3,907 |
| Average total loans | $60,703,500 | 3,857 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 418 |
| Cost of funding earning assets | 0.3290% | 2,499 |
| Net interest margin | 4.5565% | 324 |
| Noninterest income to average assets | 0.6913% | 1,841 |
| Noninterest expense to average assets | 2.4951% | 2,160 |
| Loan and lease loss provision to assets | 0.0446% | 2,121 |
| Net operating income to assets | 2.2944% | 284 |
| Return on assets (ROA) | 2.2944% | 304 |
| Pretax return on assets | 2.5447% | 334 |
| Return on Equity (ROE) | 14.6871% | 1,237 |
| Retained earnings to average equity (ytd only) | 9.9289% | 1,414 |
| Net charge-offs to loans | 0.0033% | 2,060 |
| Credit loss provision to net charge-offs | 1,800.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 1,045.0000% | 120 |
| Efficiency ratio | 49.0741% | 4,317 |
| Assets per employee ($millions) | 5.0621% | 3,608 |
| Cash dividends to net income (ytd only)* | 32.3974% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 3,918 |
| Loan loss allowance to noncurrent loans | 52.1066% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 407 |
| Noncurrent loans to loans | 1.8654% | 542 |
| Net loans and leases to total assets | 76.2276% | 568 |
| Net loans and leases to deposits | 92.1753% | 533 |
| Net loans and leases to core deposits | 96.4145% | 787 |
| Total domestic deposits to total assets | 82.6985% | 3,770 |
| Equity capital to assets | 15.8680% | 425 |
| Core capital (leverage) ratio | 15.5601% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,718,000 | 4,281 |
| Average earning assets | $77,822,667 | 4,234 |
| Average equity | $12,609,667 | 3,932 |
| Average total loans | $61,207,333 | 3,875 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 252 |
| Cost of funding earning assets | 0.3510% | 2,508 |
| Net interest margin | 4.8929% | 212 |
| Noninterest income to average assets | 0.6155% | 2,148 |
| Noninterest expense to average assets | 2.4572% | 2,309 |
| Loan and lease loss provision to assets | 0.0894% | 1,482 |
| Net operating income to assets | 2.4949% | 269 |
| Return on assets (ROA) | 2.6111% | 248 |
| Pretax return on assets | 2.9039% | 256 |
| Return on Equity (ROE) | 16.8475% | 874 |
| Retained earnings to average equity (ytd only) | 16.8475% | 437 |
| Net charge-offs to loans | 0.0066% | 1,662 |
| Credit loss provision to net charge-offs | 1,800.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 577.0000% | 169 |
| Efficiency ratio | 46.1754% | 4,462 |
| Assets per employee ($millions) | 5.0997% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,872 |
| Loan loss allowance to noncurrent loans | 63.6555% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 644 |
| Noncurrent loans to loans | 1.5580% | 788 |
| Net loans and leases to total assets | 74.1430% | 802 |
| Net loans and leases to deposits | 89.4807% | 728 |
| Net loans and leases to core deposits | 93.5458% | 1,010 |
| Total domestic deposits to total assets | 82.8592% | 3,721 |
| Equity capital to assets | 15.6272% | 425 |
| Core capital (leverage) ratio | 15.9949% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,580,500 | 4,299 |
| Average earning assets | $77,500,000 | 4,256 |
| Average equity | $12,488,500 | 3,955 |
| Average total loans | $60,638,500 | 3,907 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 259 |
| Cost of funding earning assets | 0.6617% | 1,921 |
| Net interest margin | 4.6539% | 242 |
| Noninterest income to average assets | 0.6881% | 1,900 |
| Noninterest expense to average assets | 2.5859% | 2,601 |
| Loan and lease loss provision to assets | 0.1981% | 1,971 |
| Net operating income to assets | 2.1923% | 186 |
| Return on assets (ROA) | 2.1923% | 197 |
| Pretax return on assets | 2.3627% | 233 |
| Return on Equity (ROE) | 13.8186% | 857 |
| Retained earnings to average equity (ytd only) | 7.1590% | 1,335 |
| Net charge-offs to loans | 0.2568% | 675 |
| Credit loss provision to net charge-offs | 92.0245% | 2,915 |
| Earnings coverage of net charge-offs (x) | 11.8957% | 2,374 |
| Efficiency ratio | 50.2438% | 4,516 |
| Assets per employee ($millions) | 5.6833% | 2,647 |
| Cash dividends to net income (ytd only)* | 48.1928% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 3,937 |
| Loan loss allowance to noncurrent loans | 69.6576% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 876 |
| Noncurrent loans to loans | 1.4076% | 964 |
| Net loans and leases to total assets | 74.8863% | 917 |
| Net loans and leases to deposits | 90.4226% | 900 |
| Net loans and leases to core deposits | 96.0320% | 1,118 |
| Total domestic deposits to total assets | 82.8180% | 3,461 |
| Equity capital to assets | 15.3659% | 507 |
| Core capital (leverage) ratio | 15.6922% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,719,400 | 4,297 |
| Average earning assets | $72,541,200 | 4,261 |
| Average equity | $12,012,800 | 3,977 |
| Average total loans | $63,482,800 | 3,859 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 217 |
| Cost of funding earning assets | 0.7268% | 1,868 |
| Net interest margin | 4.8052% | 202 |
| Noninterest income to average assets | 0.7045% | 1,788 |
| Noninterest expense to average assets | 2.6414% | 2,412 |
| Loan and lease loss provision to assets | 0.0896% | 3,195 |
| Net operating income to assets | 2.4095% | 161 |
| Return on assets (ROA) | 2.4095% | 169 |
| Pretax return on assets | 2.5843% | 186 |
| Return on Equity (ROE) | 15.0616% | 681 |
| Retained earnings to average equity (ytd only) | 10.8809% | 598 |
| Net charge-offs to loans | 0.0083% | 2,817 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 374.7500% | 307 |
| Efficiency ratio | 49.6980% | 4,512 |
| Assets per employee ($millions) | 5.3356% | 2,854 |
| Cash dividends to net income (ytd only)* | 27.7572% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,603 |
| Loan loss allowance to noncurrent loans | 64.5418% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 682 |
| Noncurrent loans to loans | 1.5847% | 893 |
| Net loans and leases to total assets | 83.9462% | 284 |
| Net loans and leases to deposits | 103.0162% | 416 |
| Net loans and leases to core deposits | 109.9544% | 705 |
| Total domestic deposits to total assets | 81.4884% | 3,541 |
| Equity capital to assets | 16.5236% | 411 |
| Core capital (leverage) ratio | 16.1118% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,757,750 | 4,319 |
| Average earning assets | $71,725,500 | 4,287 |
| Average equity | $11,959,500 | 3,987 |
| Average total loans | $64,310,000 | 3,859 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 244 |
| Cost of funding earning assets | 0.7783% | 1,943 |
| Net interest margin | 4.8905% | 246 |
| Noninterest income to average assets | 0.6900% | 1,778 |
| Noninterest expense to average assets | 2.6479% | 2,531 |
| Loan and lease loss provision to assets | 0.0669% | 3,456 |
| Net operating income to assets | 2.5099% | 137 |
| Return on assets (ROA) | 2.5275% | 145 |
| Pretax return on assets | 2.6826% | 159 |
| Return on Equity (ROE) | 15.9741% | 569 |
| Retained earnings to average equity (ytd only) | 15.9741% | 175 |
| Net charge-offs to loans | 0.0124% | 2,523 |
| Credit loss provision to net charge-offs | 625.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 255.2500% | 365 |
| Efficiency ratio | 49.2292% | 4,547 |
| Assets per employee ($millions) | 5.1131% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,756 |
| Loan loss allowance to noncurrent loans | 93.4033% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 1,426 |
| Noncurrent loans to loans | 1.0272% | 1,517 |
| Net loans and leases to total assets | 83.8468% | 265 |
| Net loans and leases to deposits | 102.2808% | 440 |
| Net loans and leases to core deposits | 108.8969% | 775 |
| Total domestic deposits to total assets | 81.9771% | 3,377 |
| Equity capital to assets | 16.0528% | 468 |
| Core capital (leverage) ratio | 16.1026% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,777,333 | 4,325 |
| Average earning assets | $71,690,667 | 4,279 |
| Average equity | $11,831,667 | 4,007 |
| Average total loans | $64,628,333 | 3,862 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7129% | 239 |
| Cost of funding earning assets | 0.8680% | 2,021 |
| Net interest margin | 4.8449% | 253 |
| Noninterest income to average assets | 0.7966% | 1,327 |
| Noninterest expense to average assets | 2.7094% | 2,682 |
| Loan and lease loss provision to assets | 0.1355% | 2,030 |
| Net operating income to assets | 2.4330% | 120 |
| Return on assets (ROA) | 2.4330% | 130 |
| Pretax return on assets | 2.5793% | 145 |
| Return on Equity (ROE) | 15.4941% | 483 |
| Retained earnings to average equity (ytd only) | 15.4941% | 164 |
| Net charge-offs to loans | 0.0310% | 1,764 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 579 |
| Efficiency ratio | 49.9500% | 4,669 |
| Assets per employee ($millions) | 4.9211% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,821 |
| Loan loss allowance to noncurrent loans | 72.9191% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 1,103 |
| Noncurrent loans to loans | 1.3386% | 1,211 |
| Net loans and leases to total assets | 85.4830% | 171 |
| Net loans and leases to deposits | 104.3682% | 353 |
| Net loans and leases to core deposits | 111.3875% | 783 |
| Total domestic deposits to total assets | 81.9053% | 3,446 |
| Equity capital to assets | 16.0072% | 581 |
| Core capital (leverage) ratio | 15.8668% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,817,500 | 4,347 |
| Average earning assets | $70,506,500 | 4,304 |
| Average equity | $11,591,500 | 4,053 |
| Average total loans | $64,477,000 | 3,875 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8535% | 293 |
| Cost of funding earning assets | 0.8588% | 2,386 |
| Net interest margin | 4.9947% | 277 |
| Noninterest income to average assets | 0.7762% | 1,524 |
| Noninterest expense to average assets | 2.6704% | 2,966 |
| Loan and lease loss provision to assets | 0.0041% | 3,922 |
| Net operating income to assets | 2.4072% | 152 |
| Return on assets (ROA) | 2.4072% | 161 |
| Pretax return on assets | 2.8685% | 110 |
| Return on Equity (ROE) | 15.5959% | 593 |
| Retained earnings to average equity (ytd only) | 2.7605% | 3,656 |
| Net charge-offs to loans | 0.0015% | 3,665 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 2,117.0000% | 29 |
| Efficiency ratio | 48.1763% | 4,825 |
| Assets per employee ($millions) | 4.9212% | 2,686 |
| Cash dividends to net income (ytd only)* | 82.2999% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 3,865 |
| Loan loss allowance to noncurrent loans | 49.5066% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 576 |
| Noncurrent loans to loans | 1.8641% | 716 |
| Net loans and leases to total assets | 87.5518% | 99 |
| Net loans and leases to deposits | 106.0552% | 298 |
| Net loans and leases to core deposits | 111.0846% | 796 |
| Total domestic deposits to total assets | 82.5530% | 3,346 |
| Equity capital to assets | 15.3987% | 707 |
| Core capital (leverage) ratio | 15.3194% | 624 |
| Tier 1 risk-based capital ratio | 17.6507% | 1,851 |
| Total risk-based capital ratio | 18.5949% | 1,894 |
| Memoranda: | ||
| Average total assets | $73,696,000 | 4,370 |
| Average earning assets | $70,334,000 | 4,342 |
| Average equity | $11,374,800 | 4,071 |
| Average total loans | $66,807,600 | 3,840 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 316 |
| Cost of funding earning assets | 0.8455% | 2,486 |
| Net interest margin | 5.0162% | 281 |
| Noninterest income to average assets | 0.7348% | 1,645 |
| Noninterest expense to average assets | 2.6335% | 3,065 |
| Loan and lease loss provision to assets | 0.0054% | 3,766 |
| Net operating income to assets | 2.3638% | 203 |
| Return on assets (ROA) | 2.3638% | 213 |
| Pretax return on assets | 2.8850% | 132 |
| Return on Equity (ROE) | 15.3057% | 714 |
| Retained earnings to average equity (ytd only) | 8.4498% | 1,224 |
| Net charge-offs to loans | 0.0020% | 3,376 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | 1,600.9624% | 48 |
| Efficiency ratio | 47.6737% | 4,870 |
| Assets per employee ($millions) | 4.8955% | 2,669 |
| Cash dividends to net income (ytd only)* | 44.7932% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 3,998 |
| Loan loss allowance to noncurrent loans | 62.3834% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 914 |
| Noncurrent loans to loans | 1.4602% | 1,043 |
| Net loans and leases to total assets | 89.1791% | 57 |
| Net loans and leases to deposits | 108.9382% | 242 |
| Net loans and leases to core deposits | 114.1587% | 742 |
| Total domestic deposits to total assets | 81.8621% | 3,509 |
| Equity capital to assets | 16.0339% | 628 |
| Core capital (leverage) ratio | 15.9971% | 561 |
| Tier 1 risk-based capital ratio | 18.1936% | 1,762 |
| Total risk-based capital ratio | 19.1337% | 1,799 |
| Memoranda: | ||
| Average total assets | $73,665,500 | 4,432 |
| Average earning assets | $70,330,000 | 4,395 |
| Average equity | $11,376,750 | 4,112 |
| Average total loans | $67,201,750 | 3,869 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8393% | 313 |
| Cost of funding earning assets | 0.8188% | 2,560 |
| Net interest margin | 5.0206% | 281 |
| Noninterest income to average assets | 0.7350% | 1,580 |
| Noninterest expense to average assets | 2.6552% | 3,042 |
| Loan and lease loss provision to assets | 0.0081% | 3,575 |
| Net operating income to assets | 2.1887% | 274 |
| Return on assets (ROA) | 2.1887% | 288 |
| Pretax return on assets | 2.8613% | 145 |
| Return on Equity (ROE) | 14.3539% | 906 |
| Retained earnings to average equity (ytd only) | 4.9269% | 2,807 |
| Net charge-offs to loans | -0.0030% | 4,027 |
| Credit loss provision to net charge-offs | -300.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0609% | 4,901 |
| Assets per employee ($millions) | 4.8628% | 2,645 |
| Cash dividends to net income (ytd only)* | 65.6753% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 4,154 |
| Loan loss allowance to noncurrent loans | 60.6426% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 807 |
| Noncurrent loans to loans | 1.4582% | 1,062 |
| Net loans and leases to total assets | 92.8135% | 15 |
| Net loans and leases to deposits | 112.6493% | 174 |
| Net loans and leases to core deposits | 118.0183% | 600 |
| Total domestic deposits to total assets | 82.3915% | 3,407 |
| Equity capital to assets | 15.5329% | 703 |
| Core capital (leverage) ratio | 15.4571% | 628 |
| Tier 1 risk-based capital ratio | 17.3340% | 1,988 |
| Total risk-based capital ratio | 18.2689% | 2,027 |
| Memoranda: | ||
| Average total assets | $73,743,330 | 4,465 |
| Average earning assets | $70,350,670 | 4,435 |
| Average equity | $11,244,330 | 4,140 |
| Average total loans | $67,573,000 | 3,892 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7224% | 352 |
| Cost of funding earning assets | 0.7826% | 2,632 |
| Net interest margin | 4.9397% | 315 |
| Noninterest income to average assets | 0.7067% | 1,587 |
| Noninterest expense to average assets | 2.6543% | 3,044 |
| Loan and lease loss provision to assets | 0.0162% | 3,226 |
| Net operating income to assets | 1.5969% | 904 |
| Return on assets (ROA) | 1.5969% | 931 |
| Pretax return on assets | 2.7352% | 172 |
| Return on Equity (ROE) | 10.5700% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.5700% | 913 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1018% | 4,886 |
| Assets per employee ($millions) | 4.8679% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,171 |
| Loan loss allowance to noncurrent loans | 60.6030% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 704 |
| Noncurrent loans to loans | 1.4802% | 1,091 |
| Net loans and leases to total assets | 91.2352% | 28 |
| Net loans and leases to deposits | 110.7585% | 200 |
| Net loans and leases to core deposits | 116.0206% | 650 |
| Total domestic deposits to total assets | 82.3731% | 3,624 |
| Equity capital to assets | 15.5439% | 640 |
| Core capital (leverage) ratio | 15.2664% | 642 |
| Tier 1 risk-based capital ratio | 17.4615% | 1,949 |
| Total risk-based capital ratio | 18.4007% | 2,009 |
| Memoranda: | ||
| Average total assets | $74,144,000 | 4,508 |
| Average earning assets | $70,530,000 | 4,478 |
| Average equity | $11,201,500 | 4,168 |
| Average total loans | $67,207,500 | 3,940 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 303 |
| Cost of funding earning assets | 0.5999% | 2,719 |
| Net interest margin | 5.0410% | 245 |
| Noninterest income to average assets | 0.8116% | 1,412 |
| Noninterest expense to average assets | 2.7116% | 2,983 |
| Loan and lease loss provision to assets | 0.1557% | 1,344 |
| Net operating income to assets | 2.7681% | 105 |
| Return on assets (ROA) | 2.7681% | 106 |
| Pretax return on assets | 2.7723% | 136 |
| Return on Equity (ROE) | 18.4627% | 349 |
| Retained earnings to average equity (ytd only) | 5.8908% | 2,244 |
| Net charge-offs to loans | 0.0965% | 1,798 |
| Credit loss provision to net charge-offs | 176.5625% | 1,596 |
| Earnings coverage of net charge-offs (x) | 33.2031% | 1,503 |
| Efficiency ratio | 48.0821% | 5,039 |
| Assets per employee ($millions) | 5.0179% | 2,479 |
| Cash dividends to net income (ytd only)* | 68.0936% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 4,200 |
| Loan loss allowance to noncurrent loans | 60.1805% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.5717% | 729 |
| Noncurrent loans to loans | 1.4838% | 1,028 |
| Net loans and leases to total assets | 88.4733% | 97 |
| Net loans and leases to deposits | 106.1429% | 364 |
| Net loans and leases to core deposits | 111.1903% | 928 |
| Total domestic deposits to total assets | 83.3530% | 3,212 |
| Equity capital to assets | 14.6847% | 790 |
| Core capital (leverage) ratio | 14.8171% | 729 |
| Tier 1 risk-based capital ratio | 16.9030% | 2,100 |
| Total risk-based capital ratio | 17.8330% | 2,159 |
| Memoranda: | ||
| Average total assets | $72,576,200 | 4,543 |
| Average earning assets | $69,510,400 | 4,503 |
| Average equity | $10,881,400 | 4,176 |
| Average total loans | $66,320,200 | 3,957 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 309 |
| Cost of funding earning assets | 0.5649% | 2,739 |
| Net interest margin | 5.0127% | 259 |
| Noninterest income to average assets | 0.8419% | 1,353 |
| Noninterest expense to average assets | 2.7295% | 2,877 |
| Loan and lease loss provision to assets | 0.1632% | 1,167 |
| Net operating income to assets | 2.7666% | 106 |
| Return on assets (ROA) | 2.7666% | 106 |
| Pretax return on assets | 2.7703% | 148 |
| Return on Equity (ROE) | 18.3538% | 393 |
| Retained earnings to average equity (ytd only) | 8.9801% | 1,228 |
| Net charge-offs to loans | 0.0222% | 2,695 |
| Credit loss provision to net charge-offs | 800.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 143.7819% | 566 |
| Efficiency ratio | 48.1991% | 5,044 |
| Assets per employee ($millions) | 4.8198% | 2,698 |
| Cash dividends to net income (ytd only)* | 51.0722% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,171 |
| Loan loss allowance to noncurrent loans | 41.6446% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 473 |
| Noncurrent loans to loans | 2.2169% | 633 |
| Net loans and leases to total assets | 93.2210% | 16 |
| Net loans and leases to deposits | 112.9763% | 207 |
| Net loans and leases to core deposits | 118.6299% | 620 |
| Total domestic deposits to total assets | 82.5138% | 3,458 |
| Equity capital to assets | 15.4114% | 635 |
| Core capital (leverage) ratio | 15.1710% | 662 |
| Tier 1 risk-based capital ratio | 17.0386% | 2,093 |
| Total risk-based capital ratio | 18.0125% | 2,128 |
| Memoranda: | ||
| Average total assets | $71,903,000 | 4,604 |
| Average earning assets | $69,156,500 | 4,556 |
| Average equity | $10,838,500 | 4,223 |
| Average total loans | $66,102,000 | 3,993 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 341 |
| Cost of funding earning assets | 0.5275% | 2,780 |
| Net interest margin | 4.9360% | 275 |
| Noninterest income to average assets | 0.8109% | 1,441 |
| Noninterest expense to average assets | 2.7894% | 2,690 |
| Loan and lease loss provision to assets | 0.2452% | 631 |
| Net operating income to assets | 2.5191% | 147 |
| Return on assets (ROA) | 2.5191% | 147 |
| Pretax return on assets | 2.5219% | 218 |
| Return on Equity (ROE) | 16.8385% | 544 |
| Retained earnings to average equity (ytd only) | 10.2074% | 869 |
| Net charge-offs to loans | 0.0367% | 2,118 |
| Credit loss provision to net charge-offs | 733.3333% | 544 |
| Earnings coverage of net charge-offs (x) | 82.7500% | 810 |
| Efficiency ratio | 50.2006% | 5,017 |
| Assets per employee ($millions) | 4.7468% | 2,753 |
| Cash dividends to net income (ytd only)* | 39.3805% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,252 |
| Loan loss allowance to noncurrent loans | 44.1860% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 483 |
| Noncurrent loans to loans | 2.0818% | 700 |
| Net loans and leases to total assets | 94.8485% | 4 |
| Net loans and leases to deposits | 114.8655% | 178 |
| Net loans and leases to core deposits | 121.2329% | 537 |
| Total domestic deposits to total assets | 82.5735% | 3,543 |
| Equity capital to assets | 15.3928% | 611 |
| Core capital (leverage) ratio | 15.2946% | 619 |
| Tier 1 risk-based capital ratio | 16.6482% | 2,211 |
| Total risk-based capital ratio | 17.6150% | 2,252 |
| Memoranda: | ||
| Average total assets | $71,771,670 | 4,655 |
| Average earning assets | $69,003,000 | 4,605 |
| Average equity | $10,737,330 | 4,271 |
| Average total loans | $65,461,330 | 4,035 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 409 |
| Cost of funding earning assets | 0.4847% | 2,910 |
| Net interest margin | 4.8066% | 342 |
| Noninterest income to average assets | 0.7938% | 1,478 |
| Noninterest expense to average assets | 2.7312% | 2,936 |
| Loan and lease loss provision to assets | 0.3053% | 423 |
| Net operating income to assets | 2.3815% | 177 |
| Return on assets (ROA) | 2.3815% | 180 |
| Pretax return on assets | 2.3815% | 271 |
| Return on Equity (ROE) | 16.1491% | 595 |
| Retained earnings to average equity (ytd only) | 16.1491% | 240 |
| Net charge-offs to loans | 0.1123% | 1,105 |
| Credit loss provision to net charge-offs | 305.5556% | 804 |
| Earnings coverage of net charge-offs (x) | 26.8889% | 1,312 |
| Efficiency ratio | 50.4098% | 5,063 |
| Assets per employee ($millions) | 4.3868% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 4,456 |
| Loan loss allowance to noncurrent loans | 19.2283% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.4466% | 124 |
| Noncurrent loans to loans | 4.6748% | 172 |
| Net loans and leases to total assets | 92.3619% | 22 |
| Net loans and leases to deposits | 110.3476% | 247 |
| Net loans and leases to core deposits | 116.9867% | 691 |
| Total domestic deposits to total assets | 83.7009% | 3,434 |
| Equity capital to assets | 15.4442% | 578 |
| Core capital (leverage) ratio | 15.0406% | 652 |
| Tier 1 risk-based capital ratio | 16.7987% | 2,178 |
| Total risk-based capital ratio | 17.7246% | 2,232 |
| Memoranda: | ||
| Average total assets | $72,056,500 | 4,707 |
| Average earning assets | $69,321,500 | 4,656 |
| Average equity | $10,626,000 | 4,331 |
| Average total loans | $64,111,500 | 4,092 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 480 |
| Cost of funding earning assets | 0.5065% | 2,274 |
| Net interest margin | 4.6493% | 450 |
| Noninterest income to average assets | 0.9788% | 1,072 |
| Noninterest expense to average assets | 2.6427% | 3,306 |
| Loan and lease loss provision to assets | 0.5341% | 244 |
| Net operating income to assets | 2.2461% | 179 |
| Return on assets (ROA) | 2.2461% | 180 |
| Pretax return on assets | 2.2514% | 291 |
| Return on Equity (ROE) | 16.0677% | 473 |
| Retained earnings to average equity (ytd only) | 0.9266% | 4,649 |
| Net charge-offs to loans | 0.7564% | 273 |
| Credit loss provision to net charge-offs | 81.7996% | 2,918 |
| Earnings coverage of net charge-offs (x) | 4.2658% | 3,490 |
| Efficiency ratio | 48.6839% | 5,278 |
| Assets per employee ($millions) | 4.6203% | 2,998 |
| Cash dividends to net income (ytd only)* | 94.2331% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,568 |
| Loan loss allowance to noncurrent loans | 25.5803% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.9449% | 277 |
| Noncurrent loans to loans | 3.4295% | 299 |
| Net loans and leases to total assets | 84.2164% | 428 |
| Net loans and leases to deposits | 98.9117% | 823 |
| Net loans and leases to core deposits | 103.9991% | 1,414 |
| Total domestic deposits to total assets | 85.1431% | 2,780 |
| Equity capital to assets | 14.0845% | 881 |
| Core capital (leverage) ratio | 14.1092% | 812 |
| Tier 1 risk-based capital ratio | 16.5937% | 2,230 |
| Total risk-based capital ratio | 17.4841% | 2,290 |
| Memoranda: | ||
| Average total assets | $74,886,800 | 4,692 |
| Average earning assets | $71,667,200 | 4,635 |
| Average equity | $10,468,200 | 4,383 |
| Average total loans | $64,651,600 | 4,085 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 439 |
| Cost of funding earning assets | 0.5193% | 2,113 |
| Net interest margin | 4.6551% | 445 |
| Noninterest income to average assets | 1.0169% | 998 |
| Noninterest expense to average assets | 2.6497% | 3,246 |
| Loan and lease loss provision to assets | 0.1775% | 1,132 |
| Net operating income to assets | 2.6390% | 112 |
| Return on assets (ROA) | 2.6390% | 111 |
| Pretax return on assets | 2.6443% | 168 |
| Return on Equity (ROE) | 18.9141% | 285 |
| Retained earnings to average equity (ytd only) | 3.0782% | 4,077 |
| Net charge-offs to loans | 0.3891% | 547 |
| Credit loss provision to net charge-offs | 52.6316% | 2,881 |
| Earnings coverage of net charge-offs (x) | 8.3683% | 2,791 |
| Efficiency ratio | 48.4269% | 5,321 |
| Assets per employee ($millions) | 4.7748% | 2,733 |
| Cash dividends to net income (ytd only)* | 83.7256% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,759 |
| Loan loss allowance to noncurrent loans | 57.1132% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 1,129 |
| Noncurrent loans to loans | 1.4869% | 1,256 |
| Net loans and leases to total assets | 84.0568% | 428 |
| Net loans and leases to deposits | 102.3803% | 591 |
| Net loans and leases to core deposits | 106.3161% | 1,250 |
| Total domestic deposits to total assets | 82.1025% | 3,741 |
| Equity capital to assets | 13.8188% | 1,042 |
| Core capital (leverage) ratio | 14.0546% | 882 |
| Tier 1 risk-based capital ratio | 16.6669% | 2,262 |
| Total risk-based capital ratio | 17.5478% | 2,334 |
| Memoranda: | ||
| Average total assets | $75,127,250 | 4,736 |
| Average earning assets | $71,890,250 | 4,670 |
| Average equity | $10,482,250 | 4,422 |
| Average total loans | $65,112,500 | 4,101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 408 |
| Cost of funding earning assets | 0.5211% | 2,002 |
| Net interest margin | 4.6645% | 423 |
| Noninterest income to average assets | 0.9076% | 1,250 |
| Noninterest expense to average assets | 2.6799% | 3,163 |
| Loan and lease loss provision to assets | 0.2677% | 601 |
| Net operating income to assets | 2.4122% | 146 |
| Return on assets (ROA) | 2.4122% | 146 |
| Pretax return on assets | 2.4175% | 241 |
| Return on Equity (ROE) | 17.2319% | 392 |
| Retained earnings to average equity (ytd only) | 1.3579% | 4,710 |
| Net charge-offs to loans | 0.5826% | 336 |
| Credit loss provision to net charge-offs | 52.6316% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.2789% | 2,837 |
| Efficiency ratio | 49.9501% | 5,311 |
| Assets per employee ($millions) | 4.6200% | 2,912 |
| Cash dividends to net income (ytd only)* | 92.1199% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,801 |
| Loan loss allowance to noncurrent loans | 52.7325% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.4824% | 443 |
| Noncurrent loans to loans | 1.6221% | 1,137 |
| Net loans and leases to total assets | 86.2405% | 256 |
| Net loans and leases to deposits | 105.4382% | 419 |
| Net loans and leases to core deposits | 110.2676% | 991 |
| Total domestic deposits to total assets | 81.7925% | 3,945 |
| Equity capital to assets | 14.0503% | 948 |
| Core capital (leverage) ratio | 13.7974% | 913 |
| Tier 1 risk-based capital ratio | 16.0199% | 2,496 |
| Total risk-based capital ratio | 16.8812% | 2,584 |
| Memoranda: | ||
| Average total assets | $74,704,330 | 4,773 |
| Average earning assets | $71,390,330 | 4,712 |
| Average equity | $10,457,330 | 4,444 |
| Average total loans | $65,228,000 | 4,120 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 379 |
| Cost of funding earning assets | 0.5167% | 1,959 |
| Net interest margin | 4.6840% | 382 |
| Noninterest income to average assets | 0.8895% | 1,278 |
| Noninterest expense to average assets | 2.6792% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.6952% | 106 |
| Return on assets (ROA) | 2.6952% | 110 |
| Pretax return on assets | 2.7005% | 168 |
| Return on Equity (ROE) | 19.2890% | 262 |
| Retained earnings to average equity (ytd only) | 13.5710% | 327 |
| Net charge-offs to loans | -0.0183% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8020% | 5,385 |
| Assets per employee ($millions) | 4.6768% | 2,882 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,412 |
| Loan loss allowance to noncurrent loans | 100.4688% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9141% | 2,029 |
| Noncurrent loans to loans | 0.9727% | 2,103 |
| Net loans and leases to total assets | 87.0692% | 155 |
| Net loans and leases to deposits | 106.6893% | 299 |
| Net loans and leases to core deposits | 114.9083% | 636 |
| Total domestic deposits to total assets | 81.6101% | 4,274 |
| Equity capital to assets | 14.2605% | 829 |
| Core capital (leverage) ratio | 14.0739% | 823 |
| Tier 1 risk-based capital ratio | 16.9198% | 2,208 |
| Total risk-based capital ratio | 17.9552% | 2,245 |
| Memoranda: | ||
| Average total assets | $75,096,500 | 4,815 |
| Average earning assets | $71,990,500 | 4,746 |
| Average equity | $10,493,000 | 4,466 |
| Average total loans | $65,692,500 | 4,138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4504% | 264 |
| Cost of funding earning assets | 0.4898% | 2,165 |
| Net interest margin | 4.9606% | 265 |
| Noninterest income to average assets | 0.8728% | 1,505 |
| Noninterest expense to average assets | 2.6307% | 3,583 |
| Loan and lease loss provision to assets | 0.0272% | 3,811 |
| Net operating income to assets | 2.9448% | 82 |
| Return on assets (ROA) | 2.9448% | 83 |
| Pretax return on assets | 2.9516% | 115 |
| Return on Equity (ROE) | 21.3370% | 167 |
| Retained earnings to average equity (ytd only) | 4.3935% | 2,787 |
| Net charge-offs to loans | 0.0642% | 2,778 |
| Credit loss provision to net charge-offs | 46.5116% | 3,418 |
| Earnings coverage of net charge-offs (x) | 50.9535% | 997 |
| Efficiency ratio | 46.8977% | 5,615 |
| Assets per employee ($millions) | 4.7103% | 2,771 |
| Cash dividends to net income (ytd only)* | 79.4090% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 4,456 |
| Loan loss allowance to noncurrent loans | 111.6928% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 2,301 |
| Noncurrent loans to loans | 0.8736% | 2,354 |
| Net loans and leases to total assets | 86.1804% | 223 |
| Net loans and leases to deposits | 104.7497% | 399 |
| Net loans and leases to core deposits | 112.6843% | 747 |
| Total domestic deposits to total assets | 82.2727% | 4,004 |
| Equity capital to assets | 13.6869% | 987 |
| Core capital (leverage) ratio | 13.6725% | 907 |
| Tier 1 risk-based capital ratio | 16.0390% | 2,528 |
| Total risk-based capital ratio | 17.0466% | 2,562 |
| Memoranda: | ||
| Average total assets | $73,554,000 | 4,856 |
| Average earning assets | $70,233,800 | 4,802 |
| Average equity | $10,151,400 | 4,546 |
| Average total loans | $66,991,000 | 4,118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 269 |
| Cost of funding earning assets | 0.4887% | 2,188 |
| Net interest margin | 4.9707% | 265 |
| Noninterest income to average assets | 0.8901% | 1,443 |
| Noninterest expense to average assets | 2.6501% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.9839% | 90 |
| Return on assets (ROA) | 2.9839% | 93 |
| Pretax return on assets | 2.9894% | 128 |
| Return on Equity (ROE) | 21.5744% | 170 |
| Retained earnings to average equity (ytd only) | 5.6837% | 2,367 |
| Net charge-offs to loans | -0.0119% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9922% | 5,630 |
| Assets per employee ($millions) | 4.5903% | 2,942 |
| Cash dividends to net income (ytd only)* | 73.6554% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 4,458 |
| Loan loss allowance to noncurrent loans | 90.5277% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,987 |
| Noncurrent loans to loans | 1.0955% | 2,065 |
| Net loans and leases to total assets | 90.9334% | 52 |
| Net loans and leases to deposits | 111.2451% | 236 |
| Net loans and leases to core deposits | 118.3519% | 563 |
| Total domestic deposits to total assets | 81.7414% | 4,026 |
| Equity capital to assets | 14.0255% | 1,022 |
| Core capital (leverage) ratio | 13.9068% | 880 |
| Tier 1 risk-based capital ratio | 15.7182% | 2,745 |
| Total risk-based capital ratio | 16.7525% | 2,760 |
| Memoranda: | ||
| Average total assets | $73,101,500 | 4,907 |
| Average earning assets | $69,847,750 | 4,848 |
| Average equity | $10,110,500 | 4,596 |
| Average total loans | $67,341,500 | 4,142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4466% | 277 |
| Cost of funding earning assets | 0.4790% | 2,276 |
| Net interest margin | 4.9677% | 272 |
| Noninterest income to average assets | 0.8851% | 1,418 |
| Noninterest expense to average assets | 2.6498% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.9759% | 90 |
| Return on assets (ROA) | 2.9759% | 90 |
| Pretax return on assets | 2.9814% | 123 |
| Return on Equity (ROE) | 21.6184% | 169 |
| Retained earnings to average equity (ytd only) | 5.8923% | 2,188 |
| Net charge-offs to loans | 0.0030% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,088.0000% | 44 |
| Efficiency ratio | 47.0560% | 5,708 |
| Assets per employee ($millions) | 4.5653% | 2,915 |
| Cash dividends to net income (ytd only)* | 72.7440% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,609 |
| Loan loss allowance to noncurrent loans | 111.2605% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 2,480 |
| Noncurrent loans to loans | 0.8819% | 2,533 |
| Net loans and leases to total assets | 91.4640% | 29 |
| Net loans and leases to deposits | 111.7376% | 211 |
| Net loans and leases to core deposits | 117.8414% | 579 |
| Total domestic deposits to total assets | 81.8561% | 4,038 |
| Equity capital to assets | 13.9163% | 1,058 |
| Core capital (leverage) ratio | 13.6450% | 935 |
| Tier 1 risk-based capital ratio | 15.5873% | 2,827 |
| Total risk-based capital ratio | 16.6164% | 2,851 |
| Memoranda: | ||
| Average total assets | $72,987,000 | 4,961 |
| Average earning assets | $69,731,000 | 4,891 |
| Average equity | $10,047,000 | 4,632 |
| Average total loans | $67,303,670 | 4,164 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4462% | 279 |
| Cost of funding earning assets | 0.4543% | 2,535 |
| Net interest margin | 4.9919% | 253 |
| Noninterest income to average assets | 0.8608% | 1,413 |
| Noninterest expense to average assets | 2.6316% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.9825% | 100 |
| Return on assets (ROA) | 2.9825% | 99 |
| Pretax return on assets | 2.9880% | 132 |
| Return on Equity (ROE) | 21.7861% | 164 |
| Retained earnings to average equity (ytd only) | 9.7717% | 903 |
| Net charge-offs to loans | 0.0179% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 333 |
| Efficiency ratio | 46.8293% | 5,776 |
| Assets per employee ($millions) | 4.4999% | 3,068 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,694 |
| Loan loss allowance to noncurrent loans | 152.0737% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 3,154 |
| Noncurrent loans to loans | 0.6476% | 3,231 |
| Net loans and leases to total assets | 92.1652% | 29 |
| Net loans and leases to deposits | 114.3335% | 145 |
| Net loans and leases to core deposits | 119.6761% | 474 |
| Total domestic deposits to total assets | 80.6108% | 4,604 |
| Equity capital to assets | 14.0460% | 967 |
| Core capital (leverage) ratio | 13.6923% | 913 |
| Tier 1 risk-based capital ratio | 15.6170% | 2,854 |
| Total risk-based capital ratio | 16.6507% | 2,908 |
| Memoranda: | ||
| Average total assets | $72,958,500 | 5,002 |
| Average earning assets | $69,553,000 | 4,939 |
| Average equity | $9,988,000 | 4,663 |
| Average total loans | $67,220,000 | 4,184 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 273 |
| Cost of funding earning assets | 0.4437% | 2,694 |
| Net interest margin | 5.0398% | 236 |
| Noninterest income to average assets | 0.8590% | 1,574 |
| Noninterest expense to average assets | 2.6843% | 3,637 |
| Loan and lease loss provision to assets | 0.1156% | 2,069 |
| Net operating income to assets | 2.8206% | 99 |
| Return on assets (ROA) | 2.8206% | 98 |
| Pretax return on assets | 2.8275% | 134 |
| Return on Equity (ROE) | 21.1529% | 201 |
| Retained earnings to average equity (ytd only) | 4.9243% | 2,475 |
| Net charge-offs to loans | 0.1627% | 1,741 |
| Credit loss provision to net charge-offs | 78.5047% | 2,976 |
| Earnings coverage of net charge-offs (x) | 19.9813% | 1,909 |
| Efficiency ratio | 47.7006% | 5,855 |
| Assets per employee ($millions) | 4.3481% | 3,309 |
| Cash dividends to net income (ytd only)* | 76.7204% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 4,699 |
| Loan loss allowance to noncurrent loans | 112.9472% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 2,613 |
| Noncurrent loans to loans | 0.8706% | 2,609 |
| Net loans and leases to total assets | 90.3149% | 56 |
| Net loans and leases to deposits | 110.3582% | 231 |
| Net loans and leases to core deposits | 115.2527% | 624 |
| Total domestic deposits to total assets | 81.8380% | 4,210 |
| Equity capital to assets | 13.3432% | 1,188 |
| Core capital (leverage) ratio | 13.3134% | 1,032 |
| Tier 1 risk-based capital ratio | 15.2132% | 3,073 |
| Total risk-based capital ratio | 16.2455% | 3,116 |
| Memoranda: | ||
| Average total assets | $72,644,000 | 5,026 |
| Average earning assets | $68,733,200 | 4,963 |
| Average equity | $9,686,600 | 4,711 |
| Average total loans | $65,778,400 | 4,207 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 262 |
| Cost of funding earning assets | 0.4463% | 2,724 |
| Net interest margin | 5.0590% | 222 |
| Noninterest income to average assets | 0.8701% | 1,547 |
| Noninterest expense to average assets | 2.6786% | 3,639 |
| Loan and lease loss provision to assets | 0.1549% | 1,399 |
| Net operating income to assets | 2.8150% | 104 |
| Return on assets (ROA) | 2.8150% | 106 |
| Pretax return on assets | 2.8224% | 143 |
| Return on Equity (ROE) | 21.1143% | 216 |
| Retained earnings to average equity (ytd only) | 3.0421% | 4,278 |
| Net charge-offs to loans | 0.0673% | 2,609 |
| Credit loss provision to net charge-offs | 254.5455% | 1,121 |
| Earnings coverage of net charge-offs (x) | 48.9382% | 1,073 |
| Efficiency ratio | 47.3598% | 5,904 |
| Assets per employee ($millions) | 4.5344% | 2,948 |
| Cash dividends to net income (ytd only)* | 85.5925% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 4,163 |
| Loan loss allowance to noncurrent loans | 153.8622% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 3,176 |
| Noncurrent loans to loans | 0.7220% | 3,169 |
| Net loans and leases to total assets | 90.4329% | 53 |
| Net loans and leases to deposits | 113.4336% | 179 |
| Net loans and leases to core deposits | 116.5985% | 565 |
| Total domestic deposits to total assets | 79.7232% | 4,799 |
| Equity capital to assets | 13.2486% | 1,332 |
| Core capital (leverage) ratio | 13.1847% | 1,143 |
| Tier 1 risk-based capital ratio | 14.9022% | 3,344 |
| Total risk-based capital ratio | 16.0571% | 3,331 |
| Memoranda: | ||
| Average total assets | $72,325,500 | 5,092 |
| Average earning assets | $68,417,000 | 5,031 |
| Average equity | $9,642,500 | 4,784 |
| Average total loans | $65,367,500 | 4,265 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5247% | 255 |
| Cost of funding earning assets | 0.4453% | 2,781 |
| Net interest margin | 5.0794% | 215 |
| Noninterest income to average assets | 0.8637% | 1,559 |
| Noninterest expense to average assets | 2.6823% | 3,646 |
| Loan and lease loss provision to assets | 0.1744% | 1,193 |
| Net operating income to assets | 2.7986% | 109 |
| Return on assets (ROA) | 2.7986% | 110 |
| Pretax return on assets | 2.8069% | 157 |
| Return on Equity (ROE) | 20.9476% | 232 |
| Retained earnings to average equity (ytd only) | 5.5736% | 2,489 |
| Net charge-offs to loans | 0.0922% | 2,100 |
| Credit loss provision to net charge-offs | 210.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 35.9000% | 1,209 |
| Efficiency ratio | 47.3607% | 5,990 |
| Assets per employee ($millions) | 4.5002% | 2,989 |
| Cash dividends to net income (ytd only)* | 73.3927% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 4,317 |
| Loan loss allowance to noncurrent loans | 153.6325% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 3,295 |
| Noncurrent loans to loans | 0.7163% | 3,341 |
| Net loans and leases to total assets | 89.7407% | 76 |
| Net loans and leases to deposits | 112.8703% | 204 |
| Net loans and leases to core deposits | 116.8273% | 569 |
| Total domestic deposits to total assets | 79.5078% | 4,978 |
| Equity capital to assets | 13.4244% | 1,207 |
| Core capital (leverage) ratio | 13.3542% | 1,026 |
| Tier 1 risk-based capital ratio | 15.3903% | 3,166 |
| Total risk-based capital ratio | 16.5483% | 3,139 |
| Memoranda: | ||
| Average total assets | $72,250,330 | 5,149 |
| Average earning assets | $68,275,670 | 5,087 |
| Average equity | $9,652,670 | 4,808 |
| Average total loans | $65,041,000 | 4,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 277 |
| Cost of funding earning assets | 0.4553% | 2,717 |
| Net interest margin | 5.0083% | 247 |
| Noninterest income to average assets | 0.8180% | 1,643 |
| Noninterest expense to average assets | 2.6750% | 3,677 |
| Loan and lease loss provision to assets | 0.1713% | 1,151 |
| Net operating income to assets | 2.7026% | 108 |
| Return on assets (ROA) | 2.7026% | 123 |
| Pretax return on assets | 2.7137% | 186 |
| Return on Equity (ROE) | 20.2778% | 259 |
| Retained earnings to average equity (ytd only) | 20.2778% | 99 |
| Net charge-offs to loans | 0.0801% | 1,911 |
| Credit loss provision to net charge-offs | 238.4615% | 943 |
| Earnings coverage of net charge-offs (x) | 40.1538% | 971 |
| Efficiency ratio | 48.1113% | 6,015 |
| Assets per employee ($millions) | 4.4504% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 4,584 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 5,563 |
| Noncurrent loans to loans | 0.0679% | 5,501 |
| Net loans and leases to total assets | 90.0122% | 53 |
| Net loans and leases to deposits | 113.9305% | 161 |
| Net loans and leases to core deposits | 115.4782% | 535 |
| Total domestic deposits to total assets | 79.0063% | 5,265 |
| Equity capital to assets | 13.8919% | 1,018 |
| Core capital (leverage) ratio | 13.6610% | 915 |
| Tier 1 risk-based capital ratio | 15.7587% | 3,033 |
| Total risk-based capital ratio | 16.8937% | 3,023 |
| Memoranda: | ||
| Average total assets | $72,374,000 | 5,186 |
| Average earning assets | $68,526,500 | 5,129 |
| Average equity | $9,646,000 | 4,856 |
| Average total loans | $64,894,000 | 4,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5866% | 280 |
| Cost of funding earning assets | 0.5324% | 2,362 |
| Net interest margin | 5.0542% | 272 |
| Noninterest income to average assets | 1.0412% | 1,131 |
| Noninterest expense to average assets | 2.7543% | 3,660 |
| Loan and lease loss provision to assets | 0.1751% | 1,474 |
| Net operating income to assets | 2.8733% | 105 |
| Return on assets (ROA) | 2.8733% | 104 |
| Pretax return on assets | 2.8788% | 126 |
| Return on Equity (ROE) | 22.5719% | 162 |
| Retained earnings to average equity (ytd only) | 4.0307% | 3,339 |
| Net charge-offs to loans | 0.0875% | 3,238 |
| Credit loss provision to net charge-offs | 228.5714% | 1,098 |
| Earnings coverage of net charge-offs (x) | 39.8571% | 1,090 |
| Efficiency ratio | 47.4205% | 6,208 |
| Assets per employee ($millions) | 4.3259% | 3,319 |
| Cash dividends to net income (ytd only)* | 82.1429% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 4,785 |
| Loan loss allowance to noncurrent loans | 403.5294% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,974 |
| Noncurrent loans to loans | 0.2616% | 4,903 |
| Net loans and leases to total assets | 87.4383% | 139 |
| Net loans and leases to deposits | 108.8756% | 270 |
| Net loans and leases to core deposits | 110.2835% | 762 |
| Total domestic deposits to total assets | 80.3103% | 4,937 |
| Equity capital to assets | 12.7820% | 1,479 |
| Core capital (leverage) ratio | 12.6694% | 1,271 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,896 |
| Total risk-based capital ratio | 15.3762% | 3,938 |
| Memoranda: | ||
| Average total assets | $73,086,000 | 5,204 |
| Average earning assets | $68,932,800 | 5,150 |
| Average equity | $9,303,600 | 4,900 |
| Average total loans | $64,034,400 | 4,363 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 296 |
| Cost of funding earning assets | 0.5503% | 2,287 |
| Net interest margin | 5.0067% | 294 |
| Noninterest income to average assets | 1.0049% | 1,215 |
| Noninterest expense to average assets | 2.7590% | 3,613 |
| Loan and lease loss provision to assets | 0.1736% | 1,415 |
| Net operating income to assets | 2.7882% | 109 |
| Return on assets (ROA) | 2.7882% | 108 |
| Pretax return on assets | 2.7937% | 140 |
| Return on Equity (ROE) | 21.9260% | 193 |
| Retained earnings to average equity (ytd only) | 4.3248% | 3,574 |
| Net charge-offs to loans | 0.0752% | 3,124 |
| Credit loss provision to net charge-offs | 263.8889% | 1,009 |
| Earnings coverage of net charge-offs (x) | 45.1100% | 1,042 |
| Efficiency ratio | 48.1812% | 6,194 |
| Assets per employee ($millions) | 4.2901% | 3,311 |
| Cash dividends to net income (ytd only)* | 80.2749% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,003 |
| Loan loss allowance to noncurrent loans | 116.8403% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 3,361 |
| Noncurrent loans to loans | 0.8966% | 3,322 |
| Net loans and leases to total assets | 87.1632% | 145 |
| Net loans and leases to deposits | 107.1303% | 289 |
| Net loans and leases to core deposits | 114.6172% | 566 |
| Total domestic deposits to total assets | 81.3618% | 4,710 |
| Equity capital to assets | 12.7943% | 1,529 |
| Core capital (leverage) ratio | 12.5560% | 1,376 |
| Tier 1 risk-based capital ratio | 14.2456% | 4,053 |
| Total risk-based capital ratio | 15.3071% | 4,110 |
| Memoranda: | ||
| Average total assets | $72,972,250 | 5,271 |
| Average earning assets | $68,812,750 | 5,212 |
| Average equity | $9,279,500 | 4,949 |
| Average total loans | $63,795,750 | 4,409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5293% | 292 |
| Cost of funding earning assets | 0.5791% | 2,077 |
| Net interest margin | 4.9501% | 313 |
| Noninterest income to average assets | 1.0331% | 1,114 |
| Noninterest expense to average assets | 2.7704% | 3,609 |
| Loan and lease loss provision to assets | 0.1726% | 1,420 |
| Net operating income to assets | 2.7430% | 109 |
| Return on assets (ROA) | 2.7430% | 111 |
| Pretax return on assets | 2.7512% | 149 |
| Return on Equity (ROE) | 21.6144% | 214 |
| Retained earnings to average equity (ytd only) | 5.9596% | 2,346 |
| Net charge-offs to loans | 0.1603% | 2,107 |
| Credit loss provision to net charge-offs | 123.5294% | 1,683 |
| Earnings coverage of net charge-offs (x) | 20.9216% | 1,566 |
| Efficiency ratio | 48.6526% | 6,251 |
| Assets per employee ($millions) | 4.0232% | 3,790 |
| Cash dividends to net income (ytd only)* | 72.4276% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 5,512 |
| Loan loss allowance to noncurrent loans | 48.1909% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 1.9553% | 1,648 |
| Noncurrent loans to loans | 1.9981% | 1,689 |
| Net loans and leases to total assets | 88.9102% | 74 |
| Net loans and leases to deposits | 109.4142% | 217 |
| Net loans and leases to core deposits | 118.2281% | 414 |
| Total domestic deposits to total assets | 81.2602% | 4,893 |
| Equity capital to assets | 12.8490% | 1,454 |
| Core capital (leverage) ratio | 12.5493% | 1,371 |
| Tier 1 risk-based capital ratio | 14.2665% | 4,087 |
| Total risk-based capital ratio | 15.2590% | 4,190 |
| Memoranda: | ||
| Average total assets | $72,986,000 | 5,309 |
| Average earning assets | $68,725,330 | 5,254 |
| Average equity | $9,262,330 | 4,971 |
| Average total loans | $63,647,000 | 4,438 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 351 |
| Cost of funding earning assets | 0.5980% | 1,987 |
| Net interest margin | 4.7955% | 386 |
| Noninterest income to average assets | 0.9281% | 1,309 |
| Noninterest expense to average assets | 2.7460% | 3,774 |
| Loan and lease loss provision to assets | 0.1747% | 1,386 |
| Net operating income to assets | 2.5058% | 144 |
| Return on assets (ROA) | 2.5058% | 151 |
| Pretax return on assets | 2.5167% | 217 |
| Return on Equity (ROE) | 19.8680% | 298 |
| Retained earnings to average equity (ytd only) | 19.8680% | 123 |
| Net charge-offs to loans | 0.0064% | 3,527 |
| Credit loss provision to net charge-offs | 3,200.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 80 |
| Efficiency ratio | 50.5020% | 6,225 |
| Assets per employee ($millions) | 4.0496% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 5,466 |
| Loan loss allowance to noncurrent loans | 68.9103% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.0263% | 1,679 |
| Noncurrent loans to loans | 1.4701% | 2,583 |
| Net loans and leases to total assets | 86.4623% | 122 |
| Net loans and leases to deposits | 105.6438% | 243 |
| Net loans and leases to core deposits | 117.4547% | 373 |
| Total domestic deposits to total assets | 81.8432% | 4,985 |
| Equity capital to assets | 13.0026% | 1,305 |
| Core capital (leverage) ratio | 12.8573% | 1,218 |
| Tier 1 risk-based capital ratio | 14.7093% | 3,880 |
| Total risk-based capital ratio | 15.7437% | 3,968 |
| Memoranda: | ||
| Average total assets | $73,270,000 | 5,358 |
| Average earning assets | $68,897,500 | 5,294 |
| Average equity | $9,241,000 | 4,992 |
| Average total loans | $62,964,000 | 4,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7953% | 230 |
| Cost of funding earning assets | 0.7048% | 1,777 |
| Net interest margin | 5.0905% | 265 |
| Noninterest income to average assets | 2.5741% | 266 |
| Noninterest expense to average assets | 2.9243% | 3,298 |
| Loan and lease loss provision to assets | 0.3669% | 851 |
| Net operating income to assets | 4.0898% | 62 |
| Return on assets (ROA) | 4.0898% | 61 |
| Pretax return on assets | 4.0913% | 70 |
| Return on Equity (ROE) | 33.1717% | 49 |
| Retained earnings to average equity (ytd only) | 24.4778% | 50 |
| Net charge-offs to loans | 0.6904% | 945 |
| Credit loss provision to net charge-offs | 60.5985% | 3,544 |
| Earnings coverage of net charge-offs (x) | 7.3641% | 2,859 |
| Efficiency ratio | 39.6115% | 6,694 |
| Assets per employee ($millions) | 4.0915% | 3,677 |
| Cash dividends to net income (ytd only)* | 26.2089% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 5,633 |
| Loan loss allowance to noncurrent loans | 53.0225% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 2,125 |
| Noncurrent loans to loans | 1.8600% | 2,155 |
| Net loans and leases to total assets | 83.7020% | 275 |
| Net loans and leases to deposits | 102.1019% | 392 |
| Net loans and leases to core deposits | 113.3599% | 487 |
| Total domestic deposits to total assets | 81.9789% | 4,884 |
| Equity capital to assets | 12.2259% | 1,667 |
| Core capital (leverage) ratio | 11.9962% | 1,610 |
| Tier 1 risk-based capital ratio | 14.1669% | 4,174 |
| Total risk-based capital ratio | 15.1661% | 4,288 |
| Memoranda: | ||
| Average total assets | $66,238,000 | 5,588 |
| Average earning assets | $62,567,800 | 5,521 |
| Average equity | $8,166,600 | 5,296 |
| Average total loans | $58,086,200 | 4,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 228 |
| Cost of funding earning assets | 0.7268% | 1,757 |
| Net interest margin | 5.0983% | 259 |
| Noninterest income to average assets | 3.2222% | 219 |
| Noninterest expense to average assets | 2.9343% | 3,193 |
| Loan and lease loss provision to assets | 0.4349% | 664 |
| Net operating income to assets | 4.6738% | 44 |
| Return on assets (ROA) | 4.6738% | 45 |
| Pretax return on assets | 4.6759% | 59 |
| Return on Equity (ROE) | 37.8178% | 36 |
| Retained earnings to average equity (ytd only) | 29.2724% | 34 |
| Net charge-offs to loans | 0.3156% | 1,965 |
| Credit loss provision to net charge-offs | 155.5556% | 1,520 |
| Earnings coverage of net charge-offs (x) | 18.2810% | 1,690 |
| Efficiency ratio | 36.4736% | 6,797 |
| Assets per employee ($millions) | 4.0722% | 3,694 |
| Cash dividends to net income (ytd only)* | 22.5963% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,106 |
| Loan loss allowance to noncurrent loans | 70.7602% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 2,120 |
| Noncurrent loans to loans | 1.9151% | 2,342 |
| Net loans and leases to total assets | 84.1146% | 239 |
| Net loans and leases to deposits | 103.9783% | 297 |
| Net loans and leases to core deposits | 115.8512% | 397 |
| Total domestic deposits to total assets | 80.8963% | 5,241 |
| Equity capital to assets | 11.9263% | 1,963 |
| Core capital (leverage) ratio | 11.4070% | 2,118 |
| Tier 1 risk-based capital ratio | 13.7304% | 4,611 |
| Total risk-based capital ratio | 14.9822% | 4,567 |
| Memoranda: | ||
| Average total assets | $64,385,750 | 5,701 |
| Average earning assets | $60,907,250 | 5,629 |
| Average equity | $7,957,250 | 5,400 |
| Average total loans | $57,043,250 | 4,759 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 242 |
| Cost of funding earning assets | 0.7391% | 1,780 |
| Net interest margin | 5.0567% | 282 |
| Noninterest income to average assets | 4.5885% | 162 |
| Noninterest expense to average assets | 2.8983% | 3,340 |
| Loan and lease loss provision to assets | 0.2052% | 1,843 |
| Net operating income to assets | 6.2754% | 32 |
| Return on assets (ROA) | 6.2754% | 32 |
| Pretax return on assets | 6.2754% | 45 |
| Return on Equity (ROE) | 50.0801% | 19 |
| Retained earnings to average equity (ytd only) | 42.4135% | 11 |
| Net charge-offs to loans | 0.1340% | 3,035 |
| Credit loss provision to net charge-offs | 170.2703% | 1,385 |
| Earnings coverage of net charge-offs (x) | 53.7838% | 760 |
| Efficiency ratio | 30.9028% | 6,874 |
| Assets per employee ($millions) | 4.2066% | 3,341 |
| Cash dividends to net income (ytd only)* | 15.3088% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 4,602 |
| Loan loss allowance to noncurrent loans | 46.8585% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.4829% | 1,709 |
| Noncurrent loans to loans | 2.7328% | 1,666 |
| Net loans and leases to total assets | 81.2465% | 412 |
| Net loans and leases to deposits | 101.2009% | 368 |
| Net loans and leases to core deposits | 114.6887% | 424 |
| Total domestic deposits to total assets | 80.2824% | 5,539 |
| Equity capital to assets | 11.4199% | 2,360 |
| Core capital (leverage) ratio | 10.5105% | 2,867 |
| Tier 1 risk-based capital ratio | 13.4224% | 4,822 |
| Total risk-based capital ratio | 14.6723% | 4,778 |
| Memoranda: | ||
| Average total assets | $61,414,330 | 5,823 |
| Average earning assets | $58,179,670 | 5,747 |
| Average equity | $7,695,670 | 5,517 |
| Average total loans | $55,223,330 | 4,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2940% | 114 |
| Cost of funding earning assets | 0.8159% | 1,439 |
| Net interest margin | 5.4781% | 124 |
| Noninterest income to average assets | 1.7913% | 503 |
| Noninterest expense to average assets | 2.8307% | 3,597 |
| Loan and lease loss provision to assets | 0.2359% | 1,544 |
| Net operating income to assets | 3.9217% | 63 |
| Return on assets (ROA) | 3.9217% | 66 |
| Pretax return on assets | 3.9217% | 86 |
| Return on Equity (ROE) | 29.4737% | 82 |
| Retained earnings to average equity (ytd only) | 22.2715% | 95 |
| Net charge-offs to loans | 0.1006% | 2,849 |
| Credit loss provision to net charge-offs | 246.1538% | 937 |
| Earnings coverage of net charge-offs (x) | 43.3846% | 736 |
| Efficiency ratio | 40.5063% | 6,864 |
| Assets per employee ($millions) | 4.9413% | 2,294 |
| Cash dividends to net income (ytd only)* | 24.4361% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,775 |
| Loan loss allowance to noncurrent loans | 41.3055% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.8470% | 1,065 |
| Noncurrent loans to loans | 3.6596% | 1,295 |
| Net loans and leases to total assets | 94.8173% | 5 |
| Net loans and leases to deposits | 125.0716% | 47 |
| Net loans and leases to core deposits | 149.1319% | 97 |
| Total domestic deposits to total assets | 75.8104% | 6,381 |
| Equity capital to assets | 13.6531% | 1,158 |
| Core capital (leverage) ratio | 13.6238% | 898 |
| Tier 1 risk-based capital ratio | 15.2799% | 3,666 |
| Total risk-based capital ratio | 16.5339% | 3,617 |
| Memoranda: | ||
| Average total assets | $54,262,000 | 6,067 |
| Average earning assets | $51,478,000 | 6,004 |
| Average equity | $7,220,000 | 5,679 |
| Average total loans | $51,676,500 | 4,998 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5502% | 125 |
| Cost of funding earning assets | 1.0631% | 1,058 |
| Net interest margin | 5.4870% | 175 |
| Noninterest income to average assets | 0.8514% | 2,036 |
| Noninterest expense to average assets | 2.7468% | 4,228 |
| Loan and lease loss provision to assets | 1.0754% | 359 |
| Net operating income to assets | 2.2415% | 231 |
| Return on assets (ROA) | 2.2415% | 255 |
| Pretax return on assets | 2.2452% | 370 |
| Return on Equity (ROE) | 17.5197% | 488 |
| Retained earnings to average equity (ytd only) | 3.1972% | 3,975 |
| Net charge-offs to loans | 1.5753% | 547 |
| Credit loss provision to net charge-offs | 71.8171% | 4,105 |
| Earnings coverage of net charge-offs (x) | 2.2176% | 4,316 |
| Efficiency ratio | 45.2715% | 6,808 |
| Assets per employee ($millions) | 4.9245% | 2,323 |
| Cash dividends to net income (ytd only)* | 81.7506% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 3,694 |
| Loan loss allowance to noncurrent loans | 19.8867% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 9.3945% | 245 |
| Noncurrent loans to loans | 7.6080% | 396 |
| Net loans and leases to total assets | 92.7691% | 18 |
| Net loans and leases to deposits | 121.3020% | 66 |
| Net loans and leases to core deposits | 144.4924% | 121 |
| Total domestic deposits to total assets | 76.4778% | 6,290 |
| Equity capital to assets | 12.9574% | 1,471 |
| Core capital (leverage) ratio | 12.8924% | 1,152 |
| Tier 1 risk-based capital ratio | 14.4255% | 4,080 |
| Total risk-based capital ratio | 15.6793% | 4,029 |
| Memoranda: | ||
| Average total assets | $54,027,400 | 6,087 |
| Average earning assets | $51,357,400 | 5,999 |
| Average equity | $6,912,200 | 5,788 |
| Average total loans | $51,354,000 | 5,051 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5982% | 126 |
| Cost of funding earning assets | 1.1191% | 989 |
| Net interest margin | 5.4792% | 176 |
| Noninterest income to average assets | 0.8026% | 2,227 |
| Noninterest expense to average assets | 2.5633% | 4,868 |
| Loan and lease loss provision to assets | 1.3854% | 240 |
| Net operating income to assets | 2.0867% | 341 |
| Return on assets (ROA) | 2.0867% | 380 |
| Pretax return on assets | 2.0892% | 588 |
| Return on Equity (ROE) | 16.3625% | 685 |
| Retained earnings to average equity (ytd only) | 2.6142% | 5,002 |
| Net charge-offs to loans | 1.9156% | 392 |
| Credit loss provision to net charge-offs | 75.9134% | 3,743 |
| Earnings coverage of net charge-offs (x) | 1.9039% | 4,309 |
| Efficiency ratio | 42.4540% | 6,951 |
| Assets per employee ($millions) | 4.8608% | 2,367 |
| Cash dividends to net income (ytd only)* | 84.0233% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,515 |
| Loan loss allowance to noncurrent loans | 21.3506% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 9.2053% | 292 |
| Noncurrent loans to loans | 7.4964% | 448 |
| Net loans and leases to total assets | 94.5146% | 10 |
| Net loans and leases to deposits | 122.5383% | 69 |
| Net loans and leases to core deposits | 141.8554% | 133 |
| Total domestic deposits to total assets | 77.1307% | 6,212 |
| Equity capital to assets | 12.9683% | 1,602 |
| Core capital (leverage) ratio | 12.9389% | 1,210 |
| Tier 1 risk-based capital ratio | 14.3111% | 4,325 |
| Total risk-based capital ratio | 15.5663% | 4,287 |
| Memoranda: | ||
| Average total assets | $53,991,750 | 6,156 |
| Average earning assets | $51,588,250 | 6,064 |
| Average equity | $6,885,500 | 5,860 |
| Average total loans | $51,436,250 | 5,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6838% | 111 |
| Cost of funding earning assets | 1.1756% | 912 |
| Net interest margin | 5.5081% | 178 |
| Noninterest income to average assets | 0.6942% | 2,704 |
| Noninterest expense to average assets | 2.5588% | 4,926 |
| Loan and lease loss provision to assets | 1.8351% | 173 |
| Net operating income to assets | 1.5729% | 877 |
| Return on assets (ROA) | 1.5729% | 985 |
| Pretax return on assets | 1.5766% | 1,620 |
| Return on Equity (ROE) | 12.4030% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.1242% | 3,206 |
| Net charge-offs to loans | 2.7982% | 223 |
| Credit loss provision to net charge-offs | 69.0278% | 3,588 |
| Earnings coverage of net charge-offs (x) | 1.2833% | 4,364 |
| Efficiency ratio | 42.8571% | 6,990 |
| Assets per employee ($millions) | 4.9282% | 2,265 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 4,011 |
| Loan loss allowance to noncurrent loans | 16.7819% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 8.8950% | 349 |
| Noncurrent loans to loans | 8.9360% | 347 |
| Net loans and leases to total assets | 94.1450% | 8 |
| Net loans and leases to deposits | 116.1308% | 90 |
| Net loans and leases to core deposits | 146.0592% | 119 |
| Total domestic deposits to total assets | 81.0681% | 5,442 |
| Equity capital to assets | 12.8685% | 1,584 |
| Core capital (leverage) ratio | 12.8289% | 1,209 |
| Tier 1 risk-based capital ratio | 14.5952% | 4,036 |
| Total risk-based capital ratio | 15.8490% | 3,998 |
| Memoranda: | ||
| Average total assets | $54,166,000 | 6,184 |
| Average earning assets | $51,887,000 | 6,096 |
| Average equity | $6,869,330 | 5,888 |
| Average total loans | $51,462,330 | 5,126 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0109% | 85 |
| Cost of funding earning assets | 1.2240% | 878 |
| Net interest margin | 5.7869% | 123 |
| Noninterest income to average assets | 1.0047% | 1,414 |
| Noninterest expense to average assets | 2.6965% | 4,436 |
| Loan and lease loss provision to assets | 2.5044% | 100 |
| Net operating income to assets | 1.3224% | 1,393 |
| Return on assets (ROA) | 1.3224% | 1,559 |
| Pretax return on assets | 1.3224% | 2,453 |
| Return on Equity (ROE) | 10.5047% | 2,229 |
| Retained earnings to average equity (ytd only) | 1.7019% | 5,381 |
| Net charge-offs to loans | 4.8043% | 102 |
| Credit loss provision to net charge-offs | 55.0325% | 3,197 |
| Earnings coverage of net charge-offs (x) | 0.8409% | 3,906 |
| Efficiency ratio | 41.3364% | 7,071 |
| Assets per employee ($millions) | 4.9047% | 2,382 |
| Cash dividends to net income (ytd only)* | 83.7989% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 4,549 |
| Loan loss allowance to noncurrent loans | 20.8839% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 7.2435% | 572 |
| Noncurrent loans to loans | 6.7673% | 687 |
| Net loans and leases to total assets | 93.4812% | 10 |
| Net loans and leases to deposits | 114.9647% | 97 |
| Net loans and leases to core deposits | 146.1672% | 122 |
| Total domestic deposits to total assets | 81.3130% | 5,521 |
| Equity capital to assets | 12.6594% | 1,619 |
| Core capital (leverage) ratio | 12.6302% | 1,273 |
| Tier 1 risk-based capital ratio | 14.6742% | 3,970 |
| Total risk-based capital ratio | 15.9017% | 3,946 |
| Memoranda: | ||
| Average total assets | $54,144,000 | 6,226 |
| Average earning assets | $51,634,000 | 6,138 |
| Average equity | $6,816,000 | 5,929 |
| Average total loans | $51,287,000 | 5,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9745% | 97 |
| Cost of funding earning assets | 1.3414% | 1,285 |
| Net interest margin | 5.6331% | 142 |
| Noninterest income to average assets | 0.8889% | 1,710 |
| Noninterest expense to average assets | 2.5620% | 5,242 |
| Loan and lease loss provision to assets | 0.8420% | 1,153 |
| Net operating income to assets | 2.8288% | 100 |
| Return on assets (ROA) | 2.8288% | 101 |
| Pretax return on assets | 2.8378% | 144 |
| Return on Equity (ROE) | 23.2934% | 152 |
| Retained earnings to average equity (ytd only) | 4.7062% | 2,849 |
| Net charge-offs to loans | 1.2586% | 1,322 |
| Credit loss provision to net charge-offs | 69.9102% | 4,851 |
| Earnings coverage of net charge-offs (x) | 3.0554% | 3,680 |
| Efficiency ratio | 41.0456% | 7,192 |
| Assets per employee ($millions) | 4.9396% | 2,289 |
| Cash dividends to net income (ytd only)* | 79.7960% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 2,432 |
| Loan loss allowance to noncurrent loans | 32.5098% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 6.3328% | 755 |
| Noncurrent loans to loans | 5.9826% | 835 |
| Net loans and leases to total assets | 92.7856% | 17 |
| Net loans and leases to deposits | 113.8753% | 120 |
| Net loans and leases to core deposits | 145.0236% | 151 |
| Total domestic deposits to total assets | 81.4801% | 5,299 |
| Equity capital to assets | 12.5184% | 1,788 |
| Core capital (leverage) ratio | 12.2435% | 1,464 |
| Tier 1 risk-based capital ratio | 14.7175% | 3,822 |
| Total risk-based capital ratio | 15.9799% | 3,786 |
| Memoranda: | ||
| Average total assets | $55,464,600 | 6,183 |
| Average earning assets | $52,706,000 | 6,093 |
| Average equity | $6,735,800 | 5,944 |
| Average total loans | $53,076,000 | 5,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9659% | 101 |
| Cost of funding earning assets | 1.3494% | 1,457 |
| Net interest margin | 5.6165% | 150 |
| Noninterest income to average assets | 0.8012% | 2,054 |
| Noninterest expense to average assets | 2.3463% | 5,913 |
| Loan and lease loss provision to assets | 0.7797% | 1,207 |
| Net operating income to assets | 3.0040% | 95 |
| Return on assets (ROA) | 3.0040% | 97 |
| Pretax return on assets | 3.0112% | 138 |
| Return on Equity (ROE) | 24.9227% | 130 |
| Retained earnings to average equity (ytd only) | 5.7545% | 2,702 |
| Net charge-offs to loans | 1.5304% | 945 |
| Credit loss provision to net charge-offs | 53.0945% | 4,966 |
| Earnings coverage of net charge-offs (x) | 2.5814% | 3,827 |
| Efficiency ratio | 38.2307% | 7,283 |
| Assets per employee ($millions) | 5.0945% | 2,074 |
| Cash dividends to net income (ytd only)* | 76.9112% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 3,232 |
| Loan loss allowance to noncurrent loans | 25.8201% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 7.1378% | 683 |
| Noncurrent loans to loans | 6.6297% | 789 |
| Net loans and leases to total assets | 93.5457% | 12 |
| Net loans and leases to deposits | 113.9928% | 131 |
| Net loans and leases to core deposits | 156.5053% | 121 |
| Total domestic deposits to total assets | 82.0628% | 5,071 |
| Equity capital to assets | 12.0914% | 2,177 |
| Core capital (leverage) ratio | 12.1235% | 1,636 |
| Tier 1 risk-based capital ratio | 14.2107% | 4,189 |
| Total risk-based capital ratio | 15.4681% | 4,152 |
| Memoranda: | ||
| Average total assets | $55,746,750 | 6,217 |
| Average earning assets | $52,961,250 | 6,130 |
| Average equity | $6,719,250 | 5,992 |
| Average total loans | $53,491,000 | 5,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1169% | 93 |
| Cost of funding earning assets | 1.3605% | 1,599 |
| Net interest margin | 5.7564% | 118 |
| Noninterest income to average assets | 0.6721% | 2,699 |
| Noninterest expense to average assets | 2.3648% | 5,946 |
| Loan and lease loss provision to assets | 0.9416% | 937 |
| Net operating income to assets | 2.8141% | 113 |
| Return on assets (ROA) | 2.8141% | 116 |
| Pretax return on assets | 2.8248% | 159 |
| Return on Equity (ROE) | 23.3720% | 185 |
| Retained earnings to average equity (ytd only) | 7.5519% | 1,636 |
| Net charge-offs to loans | 2.1702% | 595 |
| Credit loss provision to net charge-offs | 45.0947% | 4,706 |
| Earnings coverage of net charge-offs (x) | 1.8038% | 3,965 |
| Efficiency ratio | 38.5698% | 7,358 |
| Assets per employee ($millions) | 5.0403% | 2,068 |
| Cash dividends to net income (ytd only)* | 67.6884% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,529 |
| Loan loss allowance to noncurrent loans | 27.3319% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 6.4354% | 831 |
| Noncurrent loans to loans | 5.9999% | 995 |
| Net loans and leases to total assets | 95.4169% | 4 |
| Net loans and leases to deposits | 118.4364% | 96 |
| Net loans and leases to core deposits | 162.6303% | 117 |
| Total domestic deposits to total assets | 80.5638% | 5,669 |
| Equity capital to assets | 12.1566% | 1,994 |
| Core capital (leverage) ratio | 11.9698% | 1,612 |
| Tier 1 risk-based capital ratio | 13.9660% | 4,193 |
| Total risk-based capital ratio | 15.2230% | 4,163 |
| Memoranda: | ||
| Average total assets | $55,649,000 | 6,270 |
| Average earning assets | $52,775,670 | 6,195 |
| Average equity | $6,700,330 | 6,018 |
| Average total loans | $53,542,670 | 5,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3169% | 85 |
| Cost of funding earning assets | 1.3676% | 1,786 |
| Net interest margin | 5.9492% | 103 |
| Noninterest income to average assets | 0.9901% | 1,355 |
| Noninterest expense to average assets | 2.3963% | 5,892 |
| Loan and lease loss provision to assets | 1.4206% | 461 |
| Net operating income to assets | 2.7766% | 132 |
| Return on assets (ROA) | 2.7766% | 138 |
| Pretax return on assets | 2.7909% | 177 |
| Return on Equity (ROE) | 23.1719% | 206 |
| Retained earnings to average equity (ytd only) | 23.1719% | 119 |
| Net charge-offs to loans | 0.8910% | 1,485 |
| Credit loss provision to net charge-offs | 166.3866% | 1,748 |
| Earnings coverage of net charge-offs (x) | 4.9328% | 2,365 |
| Efficiency ratio | 36.2649% | 7,440 |
| Assets per employee ($millions) | 5.5554% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3922% | 1,616 |
| Loan loss allowance to noncurrent loans | 58.2348% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 5.1931% | 1,208 |
| Noncurrent loans to loans | 4.1078% | 1,750 |
| Net loans and leases to total assets | 94.0130% | 11 |
| Net loans and leases to deposits | 117.5962% | 106 |
| Net loans and leases to core deposits | 184.8386% | 89 |
| Total domestic deposits to total assets | 79.9456% | 5,961 |
| Equity capital to assets | 12.3735% | 1,697 |
| Core capital (leverage) ratio | 12.2326% | 1,441 |
| Tier 1 risk-based capital ratio | 14.5383% | 3,709 |
| Total risk-based capital ratio | 15.8064% | 3,664 |
| Memoranda: | ||
| Average total assets | $55,752,000 | 6,314 |
| Average earning assets | $52,645,500 | 6,249 |
| Average equity | $6,680,500 | 6,032 |
| Average total loans | $53,422,000 | 5,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3872% | 88 |
| Cost of funding earning assets | 1.5652% | 2,273 |
| Net interest margin | 5.8221% | 118 |
| Noninterest income to average assets | 1.0141% | 1,459 |
| Noninterest expense to average assets | 2.5475% | 5,623 |
| Loan and lease loss provision to assets | 1.3078% | 1,172 |
| Net operating income to assets | 2.7013% | 93 |
| Return on assets (ROA) | 2.7013% | 95 |
| Pretax return on assets | 2.7066% | 151 |
| Return on Equity (ROE) | 25.1941% | 101 |
| Retained earnings to average equity (ytd only) | 13.2901% | 194 |
| Net charge-offs to loans | 0.6317% | 3,127 |
| Credit loss provision to net charge-offs | 215.5620% | 1,404 |
| Earnings coverage of net charge-offs (x) | 6.6167% | 2,321 |
| Efficiency ratio | 38.8223% | 7,521 |
| Assets per employee ($millions) | 5.0864% | 2,032 |
| Cash dividends to net income (ytd only)* | 47.2492% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2518% | 1,772 |
| Loan loss allowance to noncurrent loans | 64.5699% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 4.8472% | 1,343 |
| Noncurrent loans to loans | 3.4873% | 2,170 |
| Net loans and leases to total assets | 93.1814% | 19 |
| Net loans and leases to deposits | 115.3021% | 154 |
| Net loans and leases to core deposits | 183.1676% | 101 |
| Total domestic deposits to total assets | 80.8150% | 5,584 |
| Equity capital to assets | 11.5943% | 2,186 |
| Core capital (leverage) ratio | 11.3888% | 1,896 |
| Tier 1 risk-based capital ratio | 13.6424% | 4,101 |
| Total risk-based capital ratio | 14.9077% | 4,064 |
| Memoranda: | ||
| Average total assets | $57,194,200 | 6,301 |
| Average earning assets | $54,499,400 | 6,196 |
| Average equity | $6,132,400 | 6,326 |
| Average total loans | $54,931,000 | 5,276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4102% | 89 |
| Cost of funding earning assets | 1.6170% | 2,293 |
| Net interest margin | 5.7932% | 117 |
| Noninterest income to average assets | 0.9923% | 1,483 |
| Noninterest expense to average assets | 2.2212% | 6,548 |
| Loan and lease loss provision to assets | 1.2938% | 1,078 |
| Net operating income to assets | 3.0049% | 82 |
| Return on assets (ROA) | 3.0049% | 84 |
| Pretax return on assets | 3.0095% | 118 |
| Return on Equity (ROE) | 28.5909% | 66 |
| Retained earnings to average equity (ytd only) | 16.3250% | 157 |
| Net charge-offs to loans | 0.5880% | 2,977 |
| Credit loss provision to net charge-offs | 228.6885% | 1,501 |
| Earnings coverage of net charge-offs (x) | 7.6064% | 2,298 |
| Efficiency ratio | 34.0441% | 7,650 |
| Assets per employee ($millions) | 5.2168% | 1,912 |
| Cash dividends to net income (ytd only)* | 42.9009% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 2,187 |
| Loan loss allowance to noncurrent loans | 62.3043% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 4.6005% | 1,466 |
| Noncurrent loans to loans | 3.2284% | 2,457 |
| Net loans and leases to total assets | 94.5718% | 9 |
| Net loans and leases to deposits | 118.3255% | 130 |
| Net loans and leases to core deposits | 189.3778% | 101 |
| Total domestic deposits to total assets | 79.9251% | 5,727 |
| Equity capital to assets | 11.1771% | 2,794 |
| Core capital (leverage) ratio | 11.0268% | 2,239 |
| Tier 1 risk-based capital ratio | 13.1934% | 4,431 |
| Total risk-based capital ratio | 14.4561% | 4,396 |
| Memoranda: | ||
| Average total assets | $57,505,250 | 6,372 |
| Average earning assets | $54,913,750 | 6,242 |
| Average equity | $6,043,750 | 6,434 |
| Average total loans | $55,329,750 | 5,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1638% | 127 |
| Cost of funding earning assets | 1.6557% | 2,357 |
| Net interest margin | 5.5081% | 165 |
| Noninterest income to average assets | 0.9488% | 1,519 |
| Noninterest expense to average assets | 2.2278% | 6,577 |
| Loan and lease loss provision to assets | 1.1852% | 1,185 |
| Net operating income to assets | 2.8047% | 102 |
| Return on assets (ROA) | 2.8047% | 105 |
| Pretax return on assets | 2.8082% | 153 |
| Return on Equity (ROE) | 27.2620% | 84 |
| Retained earnings to average equity (ytd only) | 14.4249% | 284 |
| Net charge-offs to loans | 0.4303% | 3,273 |
| Credit loss provision to net charge-offs | 286.5546% | 1,299 |
| Earnings coverage of net charge-offs (x) | 9.6555% | 1,990 |
| Efficiency ratio | 35.8101% | 7,700 |
| Assets per employee ($millions) | 5.2988% | 1,813 |
| Cash dividends to net income (ytd only)* | 47.0880% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,704 |
| Loan loss allowance to noncurrent loans | 30.6263% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 5.8709% | 1,018 |
| Noncurrent loans to loans | 5.8921% | 1,095 |
| Net loans and leases to total assets | 95.4124% | 6 |
| Net loans and leases to deposits | 121.1296% | 112 |
| Net loans and leases to core deposits | 191.3467% | 107 |
| Total domestic deposits to total assets | 78.7689% | 6,094 |
| Equity capital to assets | 10.4620% | 3,465 |
| Core capital (leverage) ratio | 10.4630% | 2,656 |
| Tier 1 risk-based capital ratio | 12.5813% | 4,783 |
| Total risk-based capital ratio | 13.8411% | 4,750 |
| Memoranda: | ||
| Average total assets | $57,545,330 | 6,412 |
| Average earning assets | $55,082,330 | 6,275 |
| Average equity | $5,920,330 | 6,493 |
| Average total loans | $55,311,670 | 5,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1166% | 140 |
| Cost of funding earning assets | 1.7115% | 2,331 |
| Net interest margin | 5.4051% | 209 |
| Noninterest income to average assets | 0.8325% | 1,875 |
| Noninterest expense to average assets | 2.3437% | 6,270 |
| Loan and lease loss provision to assets | 1.0634% | 1,162 |
| Net operating income to assets | 2.5886% | 130 |
| Return on assets (ROA) | 2.5886% | 139 |
| Pretax return on assets | 2.5956% | 215 |
| Return on Equity (ROE) | 25.3794% | 151 |
| Retained earnings to average equity (ytd only) | 21.9498% | 152 |
| Net charge-offs to loans | 0.3952% | 2,857 |
| Credit loss provision to net charge-offs | 281.4815% | 1,405 |
| Earnings coverage of net charge-offs (x) | 9.6852% | 1,820 |
| Efficiency ratio | 39.0443% | 7,755 |
| Assets per employee ($millions) | 5.1752% | 1,995 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 3,349 |
| Loan loss allowance to noncurrent loans | 31.3767% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.4227% | 1,145 |
| Noncurrent loans to loans | 5.1758% | 1,389 |
| Net loans and leases to total assets | 95.5575% | 8 |
| Net loans and leases to deposits | 122.2207% | 120 |
| Net loans and leases to core deposits | 192.3278% | 109 |
| Total domestic deposits to total assets | 78.1843% | 6,274 |
| Equity capital to assets | 10.5240% | 3,226 |
| Core capital (leverage) ratio | 10.4574% | 2,659 |
| Tier 1 risk-based capital ratio | 12.3680% | 4,857 |
| Total risk-based capital ratio | 13.6265% | 4,804 |
| Memoranda: | ||
| Average total assets | $57,174,500 | 6,501 |
| Average earning assets | $54,689,000 | 6,371 |
| Average equity | $5,831,500 | 6,575 |
| Average total loans | $54,650,000 | 5,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6277% | 113 |
| Cost of funding earning assets | 2.3275% | 1,546 |
| Net interest margin | 5.3001% | 243 |
| Noninterest income to average assets | 0.6440% | 3,329 |
| Noninterest expense to average assets | 2.4584% | 6,279 |
| Loan and lease loss provision to assets | 0.9859% | 2,301 |
| Net operating income to assets | 2.2775% | 125 |
| Return on assets (ROA) | 2.2775% | 137 |
| Pretax return on assets | 2.2829% | 231 |
| Return on Equity (ROE) | 22.7133% | 140 |
| Retained earnings to average equity (ytd only) | 9.0565% | 491 |
| Net charge-offs to loans | 0.3893% | 4,266 |
| Credit loss provision to net charge-offs | 267.1569% | 1,308 |
| Earnings coverage of net charge-offs (x) | 8.8578% | 1,879 |
| Efficiency ratio | 42.9248% | 7,802 |
| Assets per employee ($millions) | 5.2202% | 1,929 |
| Cash dividends to net income (ytd only)* | 60.1271% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,827 |
| Loan loss allowance to noncurrent loans | 29.0698% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 4.9772% | 1,237 |
| Noncurrent loans to loans | 5.0959% | 1,315 |
| Net loans and leases to total assets | 92.6544% | 24 |
| Net loans and leases to deposits | 116.3717% | 222 |
| Net loans and leases to core deposits | 217.4432% | 70 |
| Total domestic deposits to total assets | 79.6193% | 5,807 |
| Equity capital to assets | 9.8777% | 3,916 |
| Core capital (leverage) ratio | 9.8085% | 3,312 |
| Tier 1 risk-based capital ratio | 11.9231% | 5,014 |
| Total risk-based capital ratio | 13.1774% | 4,958 |
| Memoranda: | ||
| Average total assets | $55,279,400 | 6,519 |
| Average earning assets | $53,017,600 | 6,412 |
| Average equity | $5,543,000 | 6,759 |
| Average total loans | $52,405,400 | 5,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7918% | 101 |
| Cost of funding earning assets | 2.4197% | 1,562 |
| Net interest margin | 5.3721% | 222 |
| Noninterest income to average assets | 0.6113% | 3,613 |
| Noninterest expense to average assets | 2.2797% | 6,758 |
| Loan and lease loss provision to assets | 0.2923% | 4,636 |
| Net operating income to assets | 3.1930% | 54 |
| Return on assets (ROA) | 3.1930% | 58 |
| Pretax return on assets | 3.1979% | 90 |
| Return on Equity (ROE) | 31.7191% | 47 |
| Retained earnings to average equity (ytd only) | 17.0088% | 106 |
| Net charge-offs to loans | 0.0949% | 5,728 |
| Credit loss provision to net charge-offs | 324.3243% | 1,268 |
| Earnings coverage of net charge-offs (x) | 38.7314% | 769 |
| Efficiency ratio | 39.5103% | 7,934 |
| Assets per employee ($millions) | 5.1740% | 1,928 |
| Cash dividends to net income (ytd only)* | 46.3769% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,359 |
| Loan loss allowance to noncurrent loans | 70.3896% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 4,387 |
| Noncurrent loans to loans | 1.4054% | 4,564 |
| Net loans and leases to total assets | 95.3105% | 12 |
| Net loans and leases to deposits | 120.6758% | 190 |
| Net loans and leases to core deposits | 235.0609% | 58 |
| Total domestic deposits to total assets | 78.9806% | 5,809 |
| Equity capital to assets | 10.3226% | 3,702 |
| Core capital (leverage) ratio | 10.3788% | 2,900 |
| Tier 1 risk-based capital ratio | 12.2451% | 4,753 |
| Total risk-based capital ratio | 13.3765% | 4,804 |
| Memoranda: | ||
| Average total assets | $54,743,750 | 6,588 |
| Average earning assets | $52,567,000 | 6,474 |
| Average equity | $5,510,750 | 6,842 |
| Average total loans | $52,005,750 | 5,636 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6915% | 124 |
| Cost of funding earning assets | 2.5728% | 1,367 |
| Net interest margin | 5.1186% | 346 |
| Noninterest income to average assets | 0.5739% | 3,879 |
| Noninterest expense to average assets | 2.3621% | 6,586 |
| Loan and lease loss provision to assets | 0.1296% | 5,806 |
| Net operating income to assets | 2.9915% | 57 |
| Return on assets (ROA) | 2.9915% | 64 |
| Pretax return on assets | 2.9952% | 99 |
| Return on Equity (ROE) | 29.9852% | 72 |
| Retained earnings to average equity (ytd only) | 14.8441% | 213 |
| Net charge-offs to loans | 0.1057% | 5,105 |
| Credit loss provision to net charge-offs | 129.6296% | 3,585 |
| Earnings coverage of net charge-offs (x) | 31.2593% | 968 |
| Efficiency ratio | 43.0499% | 7,953 |
| Assets per employee ($millions) | 5.0845% | 1,988 |
| Cash dividends to net income (ytd only)* | 50.4950% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 6,911 |
| Loan loss allowance to noncurrent loans | 31.7471% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 2.6301% | 2,440 |
| Noncurrent loans to loans | 2.7345% | 2,635 |
| Net loans and leases to total assets | 95.3460% | 14 |
| Net loans and leases to deposits | 120.4449% | 226 |
| Net loans and leases to core deposits | 237.6850% | 66 |
| Total domestic deposits to total assets | 79.1615% | 5,762 |
| Equity capital to assets | 9.9589% | 4,000 |
| Core capital (leverage) ratio | 10.0520% | 3,240 |
| Tier 1 risk-based capital ratio | 11.9178% | 4,983 |
| Total risk-based capital ratio | 12.9183% | 5,158 |
| Memoranda: | ||
| Average total assets | $54,020,330 | 6,672 |
| Average earning assets | $51,849,670 | 6,563 |
| Average equity | $5,389,330 | 6,930 |
| Average total loans | $51,078,670 | 5,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7832% | 117 |
| Cost of funding earning assets | 2.7646% | 1,073 |
| Net interest margin | 5.0187% | 382 |
| Noninterest income to average assets | 0.5653% | 3,789 |
| Noninterest expense to average assets | 2.2463% | 6,706 |
| Loan and lease loss provision to assets | 0.1281% | 5,315 |
| Net operating income to assets | 3.0001% | 64 |
| Return on assets (ROA) | 3.0001% | 78 |
| Pretax return on assets | 3.0076% | 127 |
| Return on Equity (ROE) | 30.0434% | 102 |
| Retained earnings to average equity (ytd only) | 18.8715% | 200 |
| Net charge-offs to loans | 0.2092% | 3,386 |
| Credit loss provision to net charge-offs | 65.3846% | 4,428 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,573 |
| Efficiency ratio | 41.7367% | 8,008 |
| Assets per employee ($millions) | 4.8634% | 2,228 |
| Cash dividends to net income (ytd only)* | 37.1859% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,865 |
| Loan loss allowance to noncurrent loans | 48.7013% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 3,325 |
| Noncurrent loans to loans | 1.7908% | 3,576 |
| Net loans and leases to total assets | 95.6054% | 13 |
| Net loans and leases to deposits | 122.5759% | 243 |
| Net loans and leases to core deposits | 239.7843% | 77 |
| Total domestic deposits to total assets | 77.9969% | 6,019 |
| Equity capital to assets | 10.1370% | 3,843 |
| Core capital (leverage) ratio | 10.1231% | 3,272 |
| Tier 1 risk-based capital ratio | 12.1783% | 4,804 |
| Total risk-based capital ratio | 13.1907% | 4,919 |
| Memoranda: | ||
| Average total assets | $53,065,500 | 6,739 |
| Average earning assets | $50,930,000 | 6,621 |
| Average equity | $5,299,000 | 7,009 |
| Average total loans | $49,721,000 | 5,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4246% | 112 |
| Cost of funding earning assets | 3.3132% | 888 |
| Net interest margin | 5.1114% | 392 |
| Noninterest income to average assets | 0.6513% | 3,466 |
| Noninterest expense to average assets | 2.2937% | 6,723 |
| Loan and lease loss provision to assets | 0.0959% | 6,161 |
| Net operating income to assets | 3.1169% | 63 |
| Return on assets (ROA) | 3.1169% | 61 |
| Pretax return on assets | 3.1289% | 89 |
| Return on Equity (ROE) | 35.6099% | 26 |
| Retained earnings to average equity (ytd only) | 15.2255% | 87 |
| Net charge-offs to loans | 0.0174% | 6,627 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 201.7500% | 236 |
| Efficiency ratio | 41.5641% | 8,084 |
| Assets per employee ($millions) | 5.2634% | 1,677 |
| Cash dividends to net income (ytd only)* | 57.2436% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,352 |
| Loan loss allowance to noncurrent loans | 79.0017% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,072 |
| Noncurrent loans to loans | 1.2143% | 4,087 |
| Net loans and leases to total assets | 90.0312% | 196 |
| Net loans and leases to deposits | 114.7635% | 584 |
| Net loans and leases to core deposits | 219.0597% | 113 |
| Total domestic deposits to total assets | 78.4493% | 5,564 |
| Equity capital to assets | 9.8320% | 4,249 |
| Core capital (leverage) ratio | 10.1227% | 3,342 |
| Tier 1 risk-based capital ratio | 12.2291% | 4,651 |
| Total risk-based capital ratio | 13.3163% | 4,653 |
| Memoranda: | ||
| Average total assets | $50,050,000 | 6,773 |
| Average earning assets | $47,658,000 | 6,680 |
| Average equity | $4,380,800 | 7,364 |
| Average total loans | $45,875,800 | 5,881 |