Home > Farmers and Merchants Savings Bank > Performance and Condition Ratios
Farmers and Merchants Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 3,661 |
| Cost of funding earning assets | 1.0047% | 3,280 |
| Net interest margin | 3.1750% | 2,933 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1638% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7700% | 2,978 |
| Return on assets (ROA) | 0.7634% | 2,977 |
| Pretax return on assets | 0.9399% | 2,846 |
| Return on Equity (ROE) | 6.1600% | 3,487 |
| Retained earnings to average equity (ytd only) | 0.6293% | 3,924 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5331% | 1,948 |
| Assets per employee ($millions) | 7.5348% | 1,703 |
| Cash dividends to net income (ytd only)* | 89.7849% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,624 |
| Loan loss allowance to noncurrent loans | 2,935.1351% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,460 |
| Noncurrent loans to loans | 0.0455% | 3,391 |
| Net loans and leases to total assets | 66.5400% | 2,195 |
| Net loans and leases to deposits | 79.9247% | 2,116 |
| Net loans and leases to core deposits | 82.5297% | 2,547 |
| Total domestic deposits to total assets | 83.2500% | 2,826 |
| Equity capital to assets | 12.8744% | 882 |
| Core capital (leverage) ratio | 18.3666% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9673% | 1,078 |
| Memoranda: | ||
| Average total assets | $121,825,000 | 3,636 |
| Average earning assets | $111,274,200 | 3,635 |
| Average equity | $15,096,000 | 3,258 |
| Average total loans | $79,229,600 | 3,421 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 3,287 |
| Cost of funding earning assets | 0.9497% | 3,155 |
| Net interest margin | 3.3553% | 2,557 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.1145% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9483% | 2,520 |
| Return on assets (ROA) | 0.9483% | 2,505 |
| Pretax return on assets | 1.1238% | 2,493 |
| Return on Equity (ROE) | 6.7700% | 3,491 |
| Retained earnings to average equity (ytd only) | -2.2448% | 4,332 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2966% | 2,354 |
| Assets per employee ($millions) | 6.7990% | 2,104 |
| Cash dividends to net income (ytd only)* | 133.1738% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.7800% | 1,263 |
| Net loans and leases to deposits | 94.5483% | 860 |
| Net loans and leases to core deposits | 98.2547% | 1,431 |
| Total domestic deposits to total assets | 79.0900% | 3,678 |
| Equity capital to assets | 13.7475% | 685 |
| Core capital (leverage) ratio | 14.0592% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $88,151,500 | 3,944 |
| Average earning assets | $79,038,000 | 3,959 |
| Average equity | $12,354,250 | 3,494 |
| Average total loans | $64,828,750 | 3,639 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,402 |
| Cost of funding earning assets | 0.8057% | 3,191 |
| Net interest margin | 3.3419% | 2,663 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0869% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9697% | 2,516 |
| Return on assets (ROA) | 0.9697% | 2,511 |
| Pretax return on assets | 1.1059% | 2,632 |
| Return on Equity (ROE) | 6.8700% | 3,506 |
| Retained earnings to average equity (ytd only) | -0.3703% | 4,150 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3627% | 2,328 |
| Assets per employee ($millions) | 6.6575% | 2,164 |
| Cash dividends to net income (ytd only)* | 105.3864% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,120 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.2200% | 1,259 |
| Net loans and leases to deposits | 88.5234% | 1,299 |
| Net loans and leases to core deposits | 91.1409% | 1,728 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 14.3897% | 593 |
| Core capital (leverage) ratio | 14.3492% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1304% | 937 |
| Memoranda: | ||
| Average total assets | $88,073,000 | 3,960 |
| Average earning assets | $78,936,000 | 3,978 |
| Average equity | $12,422,000 | 3,497 |
| Average total loans | $64,133,333 | 3,653 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,422 |
| Cost of funding earning assets | 0.7842% | 2,790 |
| Net interest margin | 3.2322% | 3,036 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.9947% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9231% | 2,776 |
| Return on assets (ROA) | 0.9231% | 2,734 |
| Pretax return on assets | 1.1257% | 2,641 |
| Return on Equity (ROE) | 6.6100% | 3,614 |
| Retained earnings to average equity (ytd only) | -7.8994% | 4,430 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9250% | 2,474 |
| Assets per employee ($millions) | 6.7869% | 2,128 |
| Cash dividends to net income (ytd only)* | 219.5122% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 1,974 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.9300% | 1,635 |
| Net loans and leases to deposits | 82.6418% | 1,603 |
| Net loans and leases to core deposits | 85.3912% | 1,904 |
| Total domestic deposits to total assets | 84.6200% | 2,948 |
| Equity capital to assets | 13.9148% | 607 |
| Core capital (leverage) ratio | 14.0305% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0856% | 983 |
| Memoranda: | ||
| Average total assets | $88,835,500 | 4,008 |
| Average earning assets | $79,574,000 | 4,022 |
| Average equity | $12,406,000 | 3,536 |
| Average total loans | $63,671,000 | 3,703 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 1,777 |
| Cost of funding earning assets | 0.4265% | 1,889 |
| Net interest margin | 3.5478% | 1,787 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.1454% | 3,173 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2337% | 1,649 |
| Return on assets (ROA) | 1.2337% | 1,599 |
| Pretax return on assets | 1.5201% | 1,394 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 3.4105% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4041% | 3,278 |
| Assets per employee ($millions) | 7.4534% | 1,650 |
| Cash dividends to net income (ytd only)* | 60.9756% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,067 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.5500% | 1,466 |
| Net loans and leases to deposits | 85.6952% | 1,335 |
| Net loans and leases to core deposits | 88.4378% | 1,587 |
| Total domestic deposits to total assets | 83.5000% | 3,311 |
| Equity capital to assets | 14.0148% | 576 |
| Core capital (leverage) ratio | 13.7640% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9446% | 986 |
| Memoranda: | ||
| Average total assets | $89,728,600 | 4,016 |
| Average earning assets | $80,896,200 | 4,025 |
| Average equity | $12,666,600 | 3,607 |
| Average total loans | $66,363,000 | 3,640 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 1,592 |
| Cost of funding earning assets | 0.3685% | 1,540 |
| Net interest margin | 3.4906% | 1,689 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.1202% | 3,160 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2858% | 1,404 |
| Return on assets (ROA) | 1.2858% | 1,370 |
| Pretax return on assets | 1.5426% | 1,294 |
| Return on Equity (ROE) | 9.0900% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.0053% | 4,033 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6970% | 3,419 |
| Assets per employee ($millions) | 6.8088% | 2,087 |
| Cash dividends to net income (ytd only)* | 77.9446% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,363 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.4800% | 1,058 |
| Net loans and leases to deposits | 89.7431% | 908 |
| Net loans and leases to core deposits | 92.6645% | 1,158 |
| Total domestic deposits to total assets | 82.9900% | 3,693 |
| Equity capital to assets | 13.7694% | 586 |
| Core capital (leverage) ratio | 13.4434% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5396% | 1,081 |
| Memoranda: | ||
| Average total assets | $89,800,500 | 4,047 |
| Average earning assets | $81,053,500 | 4,057 |
| Average equity | $12,699,500 | 3,640 |
| Average total loans | $66,749,000 | 3,655 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 1,413 |
| Cost of funding earning assets | 0.3484% | 1,277 |
| Net interest margin | 3.4050% | 1,589 |
| Noninterest income to average assets | 0.6539% | 1,527 |
| Noninterest expense to average assets | 2.1257% | 3,079 |
| Loan and lease loss provision to assets | 0.0066% | 2,478 |
| Net operating income to assets | 1.3876% | 929 |
| Return on assets (ROA) | 1.3876% | 906 |
| Pretax return on assets | 1.5982% | 940 |
| Return on Equity (ROE) | 9.7280% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.0660% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9816% | 3,684 |
| Assets per employee ($millions) | 6.9338% | 1,985 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,591 |
| Loan loss allowance to noncurrent loans | 16,340.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,995 |
| Noncurrent loans to loans | 0.0075% | 3,943 |
| Net loans and leases to total assets | 73.4210% | 960 |
| Net loans and leases to deposits | 87.7709% | 848 |
| Net loans and leases to core deposits | 89.5706% | 1,144 |
| Total domestic deposits to total assets | 83.6508% | 3,759 |
| Equity capital to assets | 13.9329% | 526 |
| Core capital (leverage) ratio | 13.5420% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4988% | 1,079 |
| Memoranda: | ||
| Average total assets | $90,229,000 | 4,080 |
| Average earning assets | $81,527,000 | 4,103 |
| Average equity | $12,870,000 | 3,695 |
| Average total loans | $66,748,667 | 3,678 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 1,188 |
| Cost of funding earning assets | 0.3621% | 1,119 |
| Net interest margin | 3.3808% | 1,348 |
| Noninterest income to average assets | 0.2437% | 3,683 |
| Noninterest expense to average assets | 2.1180% | 3,084 |
| Loan and lease loss provision to assets | 0.0044% | 2,228 |
| Net operating income to assets | 0.9172% | 2,214 |
| Return on assets (ROA) | 0.9172% | 2,214 |
| Pretax return on assets | 1.1831% | 1,868 |
| Return on Equity (ROE) | 6.3568% | 3,235 |
| Retained earnings to average equity (ytd only) | -2.8559% | 4,301 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0751% | 3,016 |
| Assets per employee ($millions) | 6.8544% | 2,096 |
| Cash dividends to net income (ytd only)* | 144.9275% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.8719% | 669 |
| Net loans and leases to deposits | 90.3433% | 492 |
| Net loans and leases to core deposits | 92.9089% | 779 |
| Total domestic deposits to total assets | 81.7680% | 4,104 |
| Equity capital to assets | 14.2065% | 495 |
| Core capital (leverage) ratio | 12.8593% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8976% | 1,288 |
| Memoranda: | ||
| Average total assets | $90,274,000 | 4,098 |
| Average earning assets | $81,755,000 | 4,115 |
| Average equity | $13,025,500 | 3,750 |
| Average total loans | $66,624,000 | 3,688 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 843 |
| Cost of funding earning assets | 0.4709% | 1,057 |
| Net interest margin | 3.8333% | 948 |
| Noninterest income to average assets | 0.3088% | 3,553 |
| Noninterest expense to average assets | 2.2140% | 3,033 |
| Loan and lease loss provision to assets | 0.0076% | 2,933 |
| Net operating income to assets | 1.1837% | 1,976 |
| Return on assets (ROA) | 1.2103% | 1,943 |
| Pretax return on assets | 1.5735% | 1,501 |
| Return on Equity (ROE) | 8.3166% | 3,134 |
| Retained earnings to average equity (ytd only) | 2.1520% | 3,939 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5481% | 3,639 |
| Assets per employee ($millions) | 7.0339% | 1,904 |
| Cash dividends to net income (ytd only)* | 74.1240% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.9513% | 846 |
| Net loans and leases to deposits | 90.2127% | 561 |
| Net loans and leases to core deposits | 92.7720% | 837 |
| Total domestic deposits to total assets | 79.7574% | 4,246 |
| Equity capital to assets | 14.6455% | 550 |
| Core capital (leverage) ratio | 12.8996% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8864% | 1,290 |
| Memoranda: | ||
| Average total assets | $91,960,800 | 4,081 |
| Average earning assets | $82,827,000 | 4,094 |
| Average equity | $13,382,800 | 3,797 |
| Average total loans | $65,901,000 | 3,726 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 709 |
| Cost of funding earning assets | 0.4912% | 1,093 |
| Net interest margin | 3.9781% | 826 |
| Noninterest income to average assets | 0.3243% | 3,489 |
| Noninterest expense to average assets | 2.2571% | 2,869 |
| Loan and lease loss provision to assets | 0.0098% | 2,795 |
| Net operating income to assets | 1.2516% | 1,983 |
| Return on assets (ROA) | 1.2871% | 1,919 |
| Pretax return on assets | 1.6780% | 1,461 |
| Return on Equity (ROE) | 8.8584% | 3,153 |
| Retained earnings to average equity (ytd only) | 0.6377% | 4,476 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6422% | 3,573 |
| Assets per employee ($millions) | 7.0277% | 1,850 |
| Cash dividends to net income (ytd only)* | 92.8009% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.7428% | 1,104 |
| Net loans and leases to deposits | 90.0925% | 603 |
| Net loans and leases to core deposits | 92.7305% | 887 |
| Total domestic deposits to total assets | 77.4124% | 4,469 |
| Equity capital to assets | 14.5939% | 620 |
| Core capital (leverage) ratio | 12.6491% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9359% | 1,365 |
| Memoranda: | ||
| Average total assets | $92,090,750 | 4,132 |
| Average earning assets | $82,783,750 | 4,148 |
| Average equity | $13,380,500 | 3,848 |
| Average total loans | $65,724,500 | 3,785 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 466 |
| Cost of funding earning assets | 0.5095% | 1,145 |
| Net interest margin | 4.2861% | 503 |
| Noninterest income to average assets | 0.2383% | 3,977 |
| Noninterest expense to average assets | 2.2852% | 2,813 |
| Loan and lease loss provision to assets | 0.0152% | 2,646 |
| Net operating income to assets | 1.3441% | 1,731 |
| Return on assets (ROA) | 1.3971% | 1,646 |
| Pretax return on assets | 1.8498% | 1,124 |
| Return on Equity (ROE) | 9.6295% | 2,900 |
| Retained earnings to average equity (ytd only) | 5.1507% | 3,131 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 3,825 |
| Assets per employee ($millions) | 7.1801% | 1,674 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.2075% | 1,296 |
| Net loans and leases to deposits | 89.3535% | 689 |
| Net loans and leases to core deposits | 92.3687% | 987 |
| Total domestic deposits to total assets | 77.4536% | 4,485 |
| Equity capital to assets | 14.5659% | 606 |
| Core capital (leverage) ratio | 12.9681% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5910% | 1,208 |
| Memoranda: | ||
| Average total assets | $92,334,333 | 4,147 |
| Average earning assets | $82,825,333 | 4,172 |
| Average equity | $13,396,333 | 3,853 |
| Average total loans | $66,122,333 | 3,794 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7522% | 2,240 |
| Cost of funding earning assets | 0.5353% | 1,181 |
| Net interest margin | 3.2168% | 2,642 |
| Noninterest income to average assets | 1.2806% | 769 |
| Noninterest expense to average assets | 2.3870% | 2,532 |
| Loan and lease loss provision to assets | 0.0348% | 2,310 |
| Net operating income to assets | 1.3090% | 1,797 |
| Return on assets (ROA) | 1.4156% | 1,603 |
| Pretax return on assets | 1.8730% | 1,156 |
| Return on Equity (ROE) | 9.7770% | 2,764 |
| Retained earnings to average equity (ytd only) | 0.7521% | 4,259 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2880% | 3,634 |
| Assets per employee ($millions) | 7.0872% | 1,738 |
| Cash dividends to net income (ytd only)* | 92.3077% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.3953% | 966 |
| Net loans and leases to deposits | 93.3102% | 527 |
| Net loans and leases to core deposits | 97.2076% | 836 |
| Total domestic deposits to total assets | 77.5857% | 4,469 |
| Equity capital to assets | 14.3694% | 597 |
| Core capital (leverage) ratio | 12.6710% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,831,000 | 4,163 |
| Average earning assets | $82,192,500 | 4,190 |
| Average equity | $13,296,500 | 3,873 |
| Average total loans | $66,477,000 | 3,805 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 2,575 |
| Cost of funding earning assets | 0.7998% | 1,213 |
| Net interest margin | 3.2530% | 3,200 |
| Noninterest income to average assets | 0.5543% | 2,403 |
| Noninterest expense to average assets | 2.0849% | 3,964 |
| Loan and lease loss provision to assets | 0.1830% | 2,119 |
| Net operating income to assets | 0.9441% | 2,506 |
| Return on assets (ROA) | 0.9526% | 2,617 |
| Pretax return on assets | 1.2216% | 2,255 |
| Return on Equity (ROE) | 6.8623% | 3,258 |
| Retained earnings to average equity (ytd only) | 2.9853% | 3,364 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3329% | 3,812 |
| Assets per employee ($millions) | 6.5378% | 1,893 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.6148% | 1,481 |
| Net loans and leases to deposits | 91.3282% | 829 |
| Net loans and leases to core deposits | 98.8454% | 966 |
| Total domestic deposits to total assets | 77.3198% | 4,381 |
| Equity capital to assets | 14.5899% | 658 |
| Core capital (leverage) ratio | 12.3355% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6507% | 1,362 |
| Memoranda: | ||
| Average total assets | $92,908,000 | 4,083 |
| Average earning assets | $83,523,600 | 4,109 |
| Average equity | $12,896,600 | 3,870 |
| Average total loans | $66,871,400 | 3,797 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,747 |
| Cost of funding earning assets | 0.8454% | 1,277 |
| Net interest margin | 3.2290% | 3,395 |
| Noninterest income to average assets | 0.6205% | 2,100 |
| Noninterest expense to average assets | 2.0817% | 3,987 |
| Loan and lease loss provision to assets | 0.2348% | 1,735 |
| Net operating income to assets | 0.9452% | 2,542 |
| Return on assets (ROA) | 0.9565% | 2,630 |
| Pretax return on assets | 1.2239% | 2,305 |
| Return on Equity (ROE) | 6.9783% | 3,210 |
| Retained earnings to average equity (ytd only) | 1.7628% | 4,009 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4882% | 3,864 |
| Assets per employee ($millions) | 6.6859% | 1,682 |
| Cash dividends to net income (ytd only)* | 74.7384% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.0778% | 1,489 |
| Net loans and leases to deposits | 95.2489% | 821 |
| Net loans and leases to core deposits | 103.3465% | 961 |
| Total domestic deposits to total assets | 76.7230% | 4,361 |
| Equity capital to assets | 13.9835% | 856 |
| Core capital (leverage) ratio | 12.0962% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8430% | 1,549 |
| Memoranda: | ||
| Average total assets | $93,252,750 | 4,075 |
| Average earning assets | $83,903,250 | 4,109 |
| Average equity | $12,782,250 | 3,887 |
| Average total loans | $67,229,250 | 3,804 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 2,857 |
| Cost of funding earning assets | 0.9080% | 1,338 |
| Net interest margin | 3.2592% | 3,492 |
| Noninterest income to average assets | 0.7086% | 1,708 |
| Noninterest expense to average assets | 2.1023% | 4,026 |
| Loan and lease loss provision to assets | 0.3200% | 1,336 |
| Net operating income to assets | 0.9491% | 2,493 |
| Return on assets (ROA) | 0.9491% | 2,626 |
| Pretax return on assets | 1.2154% | 2,314 |
| Return on Equity (ROE) | 6.9716% | 3,143 |
| Retained earnings to average equity (ytd only) | 3.0284% | 3,374 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3129% | 4,028 |
| Assets per employee ($millions) | 7.3625% | 1,243 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.5386% | 1,796 |
| Net loans and leases to deposits | 91.6257% | 1,198 |
| Net loans and leases to core deposits | 98.7938% | 1,350 |
| Total domestic deposits to total assets | 78.0769% | 4,183 |
| Equity capital to assets | 13.7287% | 915 |
| Core capital (leverage) ratio | 12.0901% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,136,000 | 4,081 |
| Average earning assets | $83,700,667 | 4,115 |
| Average equity | $12,680,000 | 3,910 |
| Average total loans | $66,571,000 | 3,823 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,771 |
| Cost of funding earning assets | 0.9824% | 1,504 |
| Net interest margin | 3.3703% | 3,399 |
| Noninterest income to average assets | 0.2874% | 3,803 |
| Noninterest expense to average assets | 2.2211% | 3,956 |
| Loan and lease loss provision to assets | 0.0653% | 2,947 |
| Net operating income to assets | 0.8013% | 2,901 |
| Return on assets (ROA) | 0.8013% | 2,992 |
| Pretax return on assets | 1.0191% | 2,786 |
| Return on Equity (ROE) | 5.9116% | 3,345 |
| Retained earnings to average equity (ytd only) | -2.1205% | 4,270 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4269% | 3,169 |
| Assets per employee ($millions) | 6.0717% | 1,622 |
| Cash dividends to net income (ytd only)* | 135.8696% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 70.4057% | 2,188 |
| Net loans and leases to deposits | 90.1425% | 1,492 |
| Net loans and leases to core deposits | 99.4648% | 1,514 |
| Total domestic deposits to total assets | 78.1049% | 4,204 |
| Equity capital to assets | 13.4098% | 1,257 |
| Core capital (leverage) ratio | 12.0657% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2327% | 1,546 |
| Memoranda: | ||
| Average total assets | $91,848,000 | 4,094 |
| Average earning assets | $82,248,500 | 4,137 |
| Average equity | $12,450,000 | 3,953 |
| Average total loans | $65,228,000 | 3,860 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 3,554 |
| Cost of funding earning assets | 1.0717% | 1,430 |
| Net interest margin | 3.2213% | 4,142 |
| Noninterest income to average assets | 0.3239% | 3,755 |
| Noninterest expense to average assets | 2.2692% | 4,027 |
| Loan and lease loss provision to assets | 0.0491% | 3,038 |
| Net operating income to assets | 0.6935% | 3,883 |
| Return on assets (ROA) | 0.8029% | 3,631 |
| Pretax return on assets | 1.0173% | 3,425 |
| Return on Equity (ROE) | 5.8383% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.5903% | 3,736 |
| Net charge-offs to loans | -0.0049% | 4,346 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0405% | 2,450 |
| Assets per employee ($millions) | 5.7888% | 1,800 |
| Cash dividends to net income (ytd only)* | 55.6328% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.2271% | 2,364 |
| Net loans and leases to deposits | 90.2500% | 1,560 |
| Net loans and leases to core deposits | 100.9639% | 1,487 |
| Total domestic deposits to total assets | 77.8139% | 4,390 |
| Equity capital to assets | 13.6978% | 1,211 |
| Core capital (leverage) ratio | 12.4486% | 1,516 |
| Tier 1 risk-based capital ratio | 15.0798% | 2,753 |
| Total risk-based capital ratio | 15.9620% | 2,823 |
| Memoranda: | ||
| Average total assets | $89,547,200 | 4,154 |
| Average earning assets | $79,874,800 | 4,190 |
| Average equity | $12,315,200 | 3,956 |
| Average total loans | $61,464,800 | 3,955 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2869% | 3,695 |
| Cost of funding earning assets | 1.0595% | 1,503 |
| Net interest margin | 3.2274% | 4,239 |
| Noninterest income to average assets | 0.3214% | 3,823 |
| Noninterest expense to average assets | 2.3113% | 3,922 |
| Loan and lease loss provision to assets | 0.0360% | 3,172 |
| Net operating income to assets | 0.6725% | 4,101 |
| Return on assets (ROA) | 0.7389% | 3,949 |
| Pretax return on assets | 0.9311% | 3,789 |
| Return on Equity (ROE) | 5.3671% | 4,228 |
| Retained earnings to average equity (ytd only) | 1.0036% | 4,567 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3935% | 2,206 |
| Assets per employee ($millions) | 5.7259% | 1,831 |
| Cash dividends to net income (ytd only)* | 81.3013% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.1131% | 2,606 |
| Net loans and leases to deposits | 88.7677% | 1,834 |
| Net loans and leases to core deposits | 99.0350% | 1,738 |
| Total domestic deposits to total assets | 77.8584% | 4,371 |
| Equity capital to assets | 13.6037% | 1,312 |
| Core capital (leverage) ratio | 12.3134% | 1,673 |
| Tier 1 risk-based capital ratio | 15.2153% | 2,753 |
| Total risk-based capital ratio | 16.0933% | 2,852 |
| Memoranda: | ||
| Average total assets | $88,778,750 | 4,216 |
| Average earning assets | $79,029,750 | 4,257 |
| Average equity | $12,222,250 | 4,002 |
| Average total loans | $60,410,500 | 4,023 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 3,819 |
| Cost of funding earning assets | 1.0282% | 1,573 |
| Net interest margin | 3.2129% | 4,339 |
| Noninterest income to average assets | 0.3165% | 3,811 |
| Noninterest expense to average assets | 2.3294% | 3,931 |
| Loan and lease loss provision to assets | 0.0205% | 3,384 |
| Net operating income to assets | 0.6454% | 4,182 |
| Return on assets (ROA) | 0.6490% | 4,218 |
| Pretax return on assets | 0.8243% | 4,034 |
| Return on Equity (ROE) | 4.6944% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.4001% | 4,319 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4741% | 2,152 |
| Assets per employee ($millions) | 5.2525% | 2,198 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 67.3121% | 2,921 |
| Net loans and leases to deposits | 87.0683% | 2,121 |
| Net loans and leases to core deposits | 95.2053% | 2,138 |
| Total domestic deposits to total assets | 77.3095% | 4,522 |
| Equity capital to assets | 13.9395% | 1,137 |
| Core capital (leverage) ratio | 12.3309% | 1,621 |
| Tier 1 risk-based capital ratio | 15.3542% | 2,680 |
| Total risk-based capital ratio | 16.2208% | 2,774 |
| Memoranda: | ||
| Average total assets | $87,833,330 | 4,251 |
| Average earning assets | $77,997,330 | 4,294 |
| Average equity | $12,142,000 | 4,025 |
| Average total loans | $59,236,670 | 4,068 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,916 |
| Cost of funding earning assets | 0.9657% | 1,716 |
| Net interest margin | 3.2172% | 4,354 |
| Noninterest income to average assets | 0.3169% | 3,737 |
| Noninterest expense to average assets | 2.3420% | 3,918 |
| Loan and lease loss provision to assets | 0.0230% | 3,134 |
| Net operating income to assets | 0.6311% | 4,144 |
| Return on assets (ROA) | 0.6383% | 4,166 |
| Pretax return on assets | 0.8220% | 3,989 |
| Return on Equity (ROE) | 4.6374% | 4,431 |
| Retained earnings to average equity (ytd only) | -2.0351% | 4,747 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6647% | 2,245 |
| Assets per employee ($millions) | 5.1188% | 2,378 |
| Cash dividends to net income (ytd only)* | 143.8849% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,550 |
| Loan loss allowance to noncurrent loans | 286.0577% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,672 |
| Noncurrent loans to loans | 0.3586% | 3,295 |
| Net loans and leases to total assets | 65.9710% | 3,053 |
| Net loans and leases to deposits | 82.6966% | 2,540 |
| Net loans and leases to core deposits | 89.3218% | 2,573 |
| Total domestic deposits to total assets | 79.7748% | 4,210 |
| Equity capital to assets | 13.8520% | 1,091 |
| Core capital (leverage) ratio | 12.3455% | 1,583 |
| Tier 1 risk-based capital ratio | 15.0706% | 2,859 |
| Total risk-based capital ratio | 15.9291% | 2,942 |
| Memoranda: | ||
| Average total assets | $87,103,500 | 4,311 |
| Average earning assets | $77,459,000 | 4,347 |
| Average equity | $11,989,500 | 4,055 |
| Average total loans | $58,503,000 | 4,121 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,794 |
| Cost of funding earning assets | 0.7651% | 1,713 |
| Net interest margin | 3.3171% | 4,209 |
| Noninterest income to average assets | 0.7564% | 1,618 |
| Noninterest expense to average assets | 2.4533% | 3,742 |
| Loan and lease loss provision to assets | 0.2914% | 559 |
| Net operating income to assets | 1.0711% | 2,715 |
| Return on assets (ROA) | 1.0664% | 2,715 |
| Pretax return on assets | 0.9580% | 3,730 |
| Return on Equity (ROE) | 7.7872% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.3830% | 3,133 |
| Net charge-offs to loans | 0.0091% | 3,368 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 215.2000% | 429 |
| Efficiency ratio | 63.5335% | 3,258 |
| Assets per employee ($millions) | 5.8125% | 1,663 |
| Cash dividends to net income (ytd only)* | 43.7158% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.9974% | 3,004 |
| Net loans and leases to deposits | 82.6583% | 2,656 |
| Net loans and leases to core deposits | 87.3335% | 2,805 |
| Total domestic deposits to total assets | 81.0534% | 3,877 |
| Equity capital to assets | 13.6775% | 1,077 |
| Core capital (leverage) ratio | 12.5528% | 1,431 |
| Tier 1 risk-based capital ratio | 15.5022% | 2,619 |
| Total risk-based capital ratio | 16.3744% | 2,707 |
| Memoranda: | ||
| Average total assets | $85,801,600 | 4,331 |
| Average earning assets | $76,332,800 | 4,372 |
| Average equity | $11,750,000 | 4,055 |
| Average total loans | $55,233,200 | 4,203 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,822 |
| Cost of funding earning assets | 0.7265% | 1,708 |
| Net interest margin | 3.3113% | 4,248 |
| Noninterest income to average assets | 0.3376% | 3,900 |
| Noninterest expense to average assets | 2.4145% | 3,821 |
| Loan and lease loss provision to assets | 0.0422% | 3,144 |
| Net operating income to assets | 1.0908% | 2,703 |
| Return on assets (ROA) | 1.0846% | 2,743 |
| Pretax return on assets | 0.8236% | 4,234 |
| Return on Equity (ROE) | 8.0001% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.3891% | 4,068 |
| Net charge-offs to loans | 0.0024% | 3,396 |
| Credit loss provision to net charge-offs | 2,700.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 559.3835% | 163 |
| Efficiency ratio | 70.4708% | 2,124 |
| Assets per employee ($millions) | 5.0459% | 2,413 |
| Cash dividends to net income (ytd only)* | 57.6369% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 4,957 |
| Loan loss allowance to noncurrent loans | 1,855.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,871 |
| Noncurrent loans to loans | 0.0354% | 4,736 |
| Net loans and leases to total assets | 65.4290% | 3,255 |
| Net loans and leases to deposits | 82.0397% | 2,811 |
| Net loans and leases to core deposits | 87.1777% | 2,902 |
| Total domestic deposits to total assets | 79.7529% | 4,163 |
| Equity capital to assets | 13.4927% | 1,138 |
| Core capital (leverage) ratio | 12.3137% | 1,605 |
| Tier 1 risk-based capital ratio | 15.0442% | 2,865 |
| Total risk-based capital ratio | 15.5886% | 3,110 |
| Memoranda: | ||
| Average total assets | $85,315,250 | 4,384 |
| Average earning assets | $75,981,500 | 4,425 |
| Average equity | $11,566,250 | 4,118 |
| Average total loans | $54,290,750 | 4,268 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,911 |
| Cost of funding earning assets | 0.6726% | 1,794 |
| Net interest margin | 3.2837% | 4,296 |
| Noninterest income to average assets | 0.3030% | 4,151 |
| Noninterest expense to average assets | 2.4401% | 3,797 |
| Loan and lease loss provision to assets | 0.0423% | 3,056 |
| Net operating income to assets | 1.2588% | 1,942 |
| Return on assets (ROA) | 1.2588% | 1,942 |
| Pretax return on assets | 0.7445% | 4,405 |
| Return on Equity (ROE) | 9.2704% | 2,909 |
| Retained earnings to average equity (ytd only) | 5.8113% | 2,658 |
| Net charge-offs to loans | 0.0037% | 3,047 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 272 |
| Efficiency ratio | 72.5619% | 1,907 |
| Assets per employee ($millions) | 4.8293% | 2,647 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6517% | 5,027 |
| Loan loss allowance to noncurrent loans | 1,810.0000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,916 |
| Noncurrent loans to loans | 0.0360% | 4,751 |
| Net loans and leases to total assets | 63.4870% | 3,454 |
| Net loans and leases to deposits | 76.9653% | 3,257 |
| Net loans and leases to core deposits | 82.7741% | 3,180 |
| Total domestic deposits to total assets | 82.4878% | 3,563 |
| Equity capital to assets | 13.4422% | 1,121 |
| Core capital (leverage) ratio | 12.3739% | 1,505 |
| Tier 1 risk-based capital ratio | 14.6129% | 3,062 |
| Total risk-based capital ratio | 15.1283% | 3,336 |
| Memoranda: | ||
| Average total assets | $85,160,330 | 4,426 |
| Average earning assets | $75,829,670 | 4,475 |
| Average equity | $11,563,670 | 4,141 |
| Average total loans | $53,555,670 | 4,318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 3,884 |
| Cost of funding earning assets | 0.6480% | 1,727 |
| Net interest margin | 3.2668% | 4,273 |
| Noninterest income to average assets | 0.2895% | 4,234 |
| Noninterest expense to average assets | 2.5155% | 3,596 |
| Loan and lease loss provision to assets | 0.0427% | 2,902 |
| Net operating income to assets | 0.5458% | 4,590 |
| Return on assets (ROA) | 0.5458% | 4,593 |
| Pretax return on assets | 0.6502% | 4,569 |
| Return on Equity (ROE) | 3.9990% | 4,763 |
| Retained earnings to average equity (ytd only) | -2.9558% | 5,079 |
| Net charge-offs to loans | 0.0076% | 2,469 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 441 |
| Efficiency ratio | 75.2959% | 1,703 |
| Assets per employee ($millions) | 4.7033% | 2,848 |
| Cash dividends to net income (ytd only)* | 173.9130% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 5,076 |
| Loan loss allowance to noncurrent loans | 184.8168% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,973 |
| Noncurrent loans to loans | 0.3629% | 3,469 |
| Net loans and leases to total assets | 61.7434% | 3,576 |
| Net loans and leases to deposits | 73.8816% | 3,423 |
| Net loans and leases to core deposits | 78.2304% | 3,475 |
| Total domestic deposits to total assets | 83.5708% | 3,474 |
| Equity capital to assets | 13.3546% | 1,088 |
| Core capital (leverage) ratio | 12.2571% | 1,496 |
| Tier 1 risk-based capital ratio | 15.3223% | 2,728 |
| Total risk-based capital ratio | 15.8552% | 2,973 |
| Memoranda: | ||
| Average total assets | $84,276,500 | 4,491 |
| Average earning assets | $75,303,500 | 4,535 |
| Average equity | $11,503,000 | 4,195 |
| Average total loans | $52,558,500 | 4,379 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,936 |
| Cost of funding earning assets | 0.4930% | 2,397 |
| Net interest margin | 3.3404% | 4,036 |
| Noninterest income to average assets | 0.5442% | 2,753 |
| Noninterest expense to average assets | 2.6762% | 3,211 |
| Loan and lease loss provision to assets | 0.0339% | 3,582 |
| Net operating income to assets | 0.3403% | 4,851 |
| Return on assets (ROA) | 0.3527% | 4,845 |
| Pretax return on assets | 0.8181% | 4,202 |
| Return on Equity (ROE) | 2.4758% | 4,955 |
| Retained earnings to average equity (ytd only) | -0.9274% | 5,176 |
| Net charge-offs to loans | 0.0349% | 3,094 |
| Credit loss provision to net charge-offs | 164.7059% | 1,631 |
| Earnings coverage of net charge-offs (x) | 40.4118% | 1,256 |
| Efficiency ratio | 73.3679% | 2,003 |
| Assets per employee ($millions) | 4.6607% | 2,938 |
| Cash dividends to net income (ytd only)* | 137.4570% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,145 |
| Loan loss allowance to noncurrent loans | 1,568.1818% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,022 |
| Noncurrent loans to loans | 0.0419% | 4,811 |
| Net loans and leases to total assets | 62.1589% | 3,598 |
| Net loans and leases to deposits | 77.1348% | 3,214 |
| Net loans and leases to core deposits | 79.8906% | 3,427 |
| Total domestic deposits to total assets | 80.5848% | 4,221 |
| Equity capital to assets | 13.9463% | 928 |
| Core capital (leverage) ratio | 12.8693% | 1,191 |
| Tier 1 risk-based capital ratio | 15.8103% | 2,509 |
| Total risk-based capital ratio | 16.3409% | 2,748 |
| Memoranda: | ||
| Average total assets | $82,503,600 | 4,546 |
| Average earning assets | $73,224,800 | 4,591 |
| Average equity | $11,753,800 | 4,177 |
| Average total loans | $48,656,400 | 4,496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8242% | 3,922 |
| Cost of funding earning assets | 0.4856% | 2,387 |
| Net interest margin | 3.3387% | 4,050 |
| Noninterest income to average assets | 0.5356% | 2,799 |
| Noninterest expense to average assets | 2.6323% | 3,307 |
| Loan and lease loss provision to assets | 0.0406% | 3,298 |
| Net operating income to assets | 0.5679% | 4,515 |
| Return on assets (ROA) | 0.5859% | 4,472 |
| Pretax return on assets | 0.8455% | 4,224 |
| Return on Equity (ROE) | 4.0903% | 4,829 |
| Retained earnings to average equity (ytd only) | -0.4419% | 5,281 |
| Net charge-offs to loans | 0.0475% | 2,490 |
| Credit loss provision to net charge-offs | 147.0588% | 1,716 |
| Earnings coverage of net charge-offs (x) | 31.1712% | 1,518 |
| Efficiency ratio | 72.4442% | 2,147 |
| Assets per employee ($millions) | 4.5414% | 3,068 |
| Cash dividends to net income (ytd only)* | 110.8036% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 5,141 |
| Loan loss allowance to noncurrent loans | 1,486.9565% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,105 |
| Noncurrent loans to loans | 0.0470% | 4,902 |
| Net loans and leases to total assets | 59.5038% | 3,919 |
| Net loans and leases to deposits | 69.8097% | 3,979 |
| Net loans and leases to core deposits | 73.2604% | 4,038 |
| Total domestic deposits to total assets | 85.2372% | 2,623 |
| Equity capital to assets | 14.5132% | 853 |
| Core capital (leverage) ratio | 12.8082% | 1,286 |
| Tier 1 risk-based capital ratio | 17.9221% | 1,874 |
| Total risk-based capital ratio | 18.5153% | 2,027 |
| Memoranda: | ||
| Average total assets | $82,156,250 | 4,597 |
| Average earning assets | $72,762,000 | 4,652 |
| Average equity | $11,767,250 | 4,223 |
| Average total loans | $47,697,500 | 4,567 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,051 |
| Cost of funding earning assets | 0.4586% | 2,520 |
| Net interest margin | 3.2981% | 4,111 |
| Noninterest income to average assets | 0.5055% | 2,990 |
| Noninterest expense to average assets | 2.6345% | 3,327 |
| Loan and lease loss provision to assets | 0.0437% | 3,120 |
| Net operating income to assets | 0.5348% | 4,591 |
| Return on assets (ROA) | 0.5225% | 4,674 |
| Pretax return on assets | 0.7291% | 4,477 |
| Return on Equity (ROE) | 3.6643% | 4,929 |
| Retained earnings to average equity (ytd only) | 0.2556% | 5,020 |
| Net charge-offs to loans | 0.1058% | 1,569 |
| Credit loss provision to net charge-offs | 72.0000% | 2,356 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,155 |
| Efficiency ratio | 73.9532% | 2,027 |
| Assets per employee ($millions) | 4.3595% | 3,328 |
| Cash dividends to net income (ytd only)* | 93.0233% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 5,253 |
| Loan loss allowance to noncurrent loans | 1,421.7391% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,154 |
| Noncurrent loans to loans | 0.0475% | 4,954 |
| Net loans and leases to total assets | 58.0205% | 4,032 |
| Net loans and leases to deposits | 70.7145% | 3,857 |
| Net loans and leases to core deposits | 72.6175% | 4,047 |
| Total domestic deposits to total assets | 82.0490% | 3,876 |
| Equity capital to assets | 14.4680% | 836 |
| Core capital (leverage) ratio | 12.9821% | 1,182 |
| Tier 1 risk-based capital ratio | 16.6916% | 2,245 |
| Total risk-based capital ratio | 17.2180% | 2,459 |
| Memoranda: | ||
| Average total assets | $82,293,000 | 4,626 |
| Average earning assets | $72,830,670 | 4,679 |
| Average equity | $11,735,000 | 4,234 |
| Average total loans | $47,268,670 | 4,602 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 4,018 |
| Cost of funding earning assets | 0.4591% | 2,440 |
| Net interest margin | 3.2688% | 4,121 |
| Noninterest income to average assets | 0.5803% | 2,504 |
| Noninterest expense to average assets | 2.6090% | 3,465 |
| Loan and lease loss provision to assets | 0.0439% | 2,919 |
| Net operating income to assets | 0.5753% | 4,257 |
| Return on assets (ROA) | 0.5511% | 4,419 |
| Pretax return on assets | 0.7754% | 4,202 |
| Return on Equity (ROE) | 3.8930% | 4,821 |
| Retained earnings to average equity (ytd only) | -2.9973% | 5,264 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3944% | 2,505 |
| Assets per employee ($millions) | 4.4696% | 3,215 |
| Cash dividends to net income (ytd only)* | 176.9912% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 5,199 |
| Loan loss allowance to noncurrent loans | 1,429.1667% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,198 |
| Noncurrent loans to loans | 0.0524% | 4,983 |
| Net loans and leases to total assets | 56.4983% | 4,117 |
| Net loans and leases to deposits | 67.6892% | 4,018 |
| Net loans and leases to core deposits | 73.4622% | 3,882 |
| Total domestic deposits to total assets | 83.4672% | 3,668 |
| Equity capital to assets | 14.4484% | 773 |
| Core capital (leverage) ratio | 12.9842% | 1,150 |
| Tier 1 risk-based capital ratio | 17.1424% | 2,134 |
| Total risk-based capital ratio | 17.7160% | 2,317 |
| Memoranda: | ||
| Average total assets | $82,024,000 | 4,673 |
| Average earning assets | $72,321,000 | 4,736 |
| Average equity | $11,610,500 | 4,284 |
| Average total loans | $46,710,000 | 4,656 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 3,647 |
| Cost of funding earning assets | 0.5058% | 2,045 |
| Net interest margin | 3.3738% | 3,911 |
| Noninterest income to average assets | 0.5980% | 2,675 |
| Noninterest expense to average assets | 2.3336% | 4,475 |
| Loan and lease loss provision to assets | 0.0403% | 3,574 |
| Net operating income to assets | 0.8171% | 3,224 |
| Return on assets (ROA) | 0.8230% | 3,289 |
| Pretax return on assets | 1.2429% | 2,501 |
| Return on Equity (ROE) | 6.3037% | 3,847 |
| Retained earnings to average equity (ytd only) | 3.7308% | 3,264 |
| Net charge-offs to loans | -0.3938% | 5,815 |
| Credit loss provision to net charge-offs | -18.4615% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0732% | 4,234 |
| Assets per employee ($millions) | 4.6442% | 2,889 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 5,353 |
| Loan loss allowance to noncurrent loans | 521.8750% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 4,045 |
| Noncurrent loans to loans | 0.1344% | 4,695 |
| Net loans and leases to total assets | 56.5685% | 4,210 |
| Net loans and leases to deposits | 69.8096% | 3,923 |
| Net loans and leases to core deposits | 76.0224% | 3,746 |
| Total domestic deposits to total assets | 81.0326% | 4,322 |
| Equity capital to assets | 13.8727% | 929 |
| Core capital (leverage) ratio | 12.5998% | 1,301 |
| Tier 1 risk-based capital ratio | 17.1561% | 2,107 |
| Total risk-based capital ratio | 17.7068% | 2,304 |
| Memoranda: | ||
| Average total assets | $89,304,600 | 4,557 |
| Average earning assets | $79,673,400 | 4,595 |
| Average equity | $11,659,800 | 4,308 |
| Average total loans | $49,514,200 | 4,588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,785 |
| Cost of funding earning assets | 0.5104% | 2,012 |
| Net interest margin | 3.3333% | 4,085 |
| Noninterest income to average assets | 0.5055% | 3,211 |
| Noninterest expense to average assets | 2.2983% | 4,536 |
| Loan and lease loss provision to assets | 0.0411% | 3,412 |
| Net operating income to assets | 0.7656% | 3,532 |
| Return on assets (ROA) | 0.7715% | 3,646 |
| Pretax return on assets | 1.1594% | 3,003 |
| Return on Equity (ROE) | 5.9953% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.5694% | 4,370 |
| Net charge-offs to loans | -0.2507% | 5,809 |
| Credit loss provision to net charge-offs | -29.7872% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2000% | 4,037 |
| Assets per employee ($millions) | 5.1412% | 2,203 |
| Cash dividends to net income (ytd only)* | 57.1431% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 5,763 |
| Loan loss allowance to noncurrent loans | 523.2558% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 4,353 |
| Noncurrent loans to loans | 0.0867% | 4,997 |
| Net loans and leases to total assets | 56.4662% | 4,259 |
| Net loans and leases to deposits | 71.0929% | 3,878 |
| Net loans and leases to core deposits | 80.6537% | 3,384 |
| Total domestic deposits to total assets | 79.4259% | 4,632 |
| Equity capital to assets | 13.6635% | 1,173 |
| Core capital (leverage) ratio | 12.0372% | 1,652 |
| Tier 1 risk-based capital ratio | 15.7013% | 2,753 |
| Total risk-based capital ratio | 16.0483% | 3,086 |
| Memoranda: | ||
| Average total assets | $90,731,750 | 4,567 |
| Average earning assets | $81,239,000 | 4,599 |
| Average equity | $11,675,500 | 4,343 |
| Average total loans | $49,987,000 | 4,613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 3,900 |
| Cost of funding earning assets | 0.5048% | 2,063 |
| Net interest margin | 3.3105% | 4,192 |
| Noninterest income to average assets | 0.5597% | 2,853 |
| Noninterest expense to average assets | 2.2648% | 4,696 |
| Loan and lease loss provision to assets | 0.0414% | 3,329 |
| Net operating income to assets | 0.8080% | 3,274 |
| Return on assets (ROA) | 0.8166% | 3,371 |
| Pretax return on assets | 1.2369% | 2,646 |
| Return on Equity (ROE) | 6.4730% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.8838% | 3,432 |
| Net charge-offs to loans | -0.3751% | 5,915 |
| Credit loss provision to net charge-offs | -20.2128% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5669% | 4,413 |
| Assets per employee ($millions) | 4.6142% | 2,849 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4346% | 5,857 |
| Loan loss allowance to noncurrent loans | 37.8947% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 3,052 |
| Noncurrent loans to loans | 1.1469% | 2,005 |
| Net loans and leases to total assets | 56.4418% | 4,258 |
| Net loans and leases to deposits | 69.2395% | 4,056 |
| Net loans and leases to core deposits | 79.0056% | 3,551 |
| Total domestic deposits to total assets | 81.5168% | 4,137 |
| Equity capital to assets | 13.6057% | 1,180 |
| Core capital (leverage) ratio | 11.5262% | 1,971 |
| Tier 1 risk-based capital ratio | 15.2596% | 2,954 |
| Total risk-based capital ratio | 15.5837% | 3,338 |
| Memoranda: | ||
| Average total assets | $91,842,000 | 4,586 |
| Average earning assets | $82,404,330 | 4,614 |
| Average equity | $11,586,670 | 4,384 |
| Average total loans | $50,123,670 | 4,641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,030 |
| Cost of funding earning assets | 0.5111% | 2,017 |
| Net interest margin | 3.2652% | 4,344 |
| Noninterest income to average assets | 0.2853% | 4,683 |
| Noninterest expense to average assets | 2.2059% | 4,892 |
| Loan and lease loss provision to assets | 0.0383% | 3,144 |
| Net operating income to assets | 0.7263% | 3,589 |
| Return on assets (ROA) | 0.7452% | 3,615 |
| Pretax return on assets | 1.0050% | 3,463 |
| Return on Equity (ROE) | 6.1317% | 3,917 |
| Retained earnings to average equity (ytd only) | 0.8760% | 4,877 |
| Net charge-offs to loans | 0.1192% | 1,399 |
| Credit loss provision to net charge-offs | 60.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 15.9333% | 1,646 |
| Efficiency ratio | 65.6539% | 3,858 |
| Assets per employee ($millions) | 5.2245% | 2,113 |
| Cash dividends to net income (ytd only)* | 85.7143% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1946% | 6,038 |
| Loan loss allowance to noncurrent loans | 11.9458% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 2,536 |
| Noncurrent loans to loans | 1.6286% | 1,408 |
| Net loans and leases to total assets | 52.9142% | 4,543 |
| Net loans and leases to deposits | 63.4504% | 4,476 |
| Net loans and leases to core deposits | 72.3649% | 4,041 |
| Total domestic deposits to total assets | 83.3945% | 3,754 |
| Equity capital to assets | 12.2393% | 1,864 |
| Core capital (leverage) ratio | 10.8726% | 2,545 |
| Tier 1 risk-based capital ratio | 14.8408% | 3,228 |
| Total risk-based capital ratio | 14.9854% | 3,782 |
| Memoranda: | ||
| Average total assets | $93,928,500 | 4,579 |
| Average earning assets | $84,527,000 | 4,604 |
| Average equity | $11,416,000 | 4,427 |
| Average total loans | $50,336,500 | 4,662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 3,592 |
| Cost of funding earning assets | 0.5961% | 1,389 |
| Net interest margin | 3.3364% | 4,162 |
| Noninterest income to average assets | 0.5703% | 2,900 |
| Noninterest expense to average assets | 2.2208% | 5,003 |
| Loan and lease loss provision to assets | 0.0511% | 3,301 |
| Net operating income to assets | 0.8467% | 3,129 |
| Return on assets (ROA) | 0.8534% | 3,165 |
| Pretax return on assets | 1.3061% | 2,256 |
| Return on Equity (ROE) | 7.6416% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.4977% | 1,547 |
| Net charge-offs to loans | -0.1045% | 5,789 |
| Credit loss provision to net charge-offs | -94.3396% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7250% | 4,942 |
| Assets per employee ($millions) | 5.5186% | 1,787 |
| Cash dividends to net income (ytd only)* | 14.9701% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 6,091 |
| Loan loss allowance to noncurrent loans | 11.8255% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 2,343 |
| Noncurrent loans to loans | 1.7141% | 1,316 |
| Net loans and leases to total assets | 54.0547% | 4,495 |
| Net loans and leases to deposits | 63.9117% | 4,473 |
| Net loans and leases to core deposits | 77.7791% | 3,568 |
| Total domestic deposits to total assets | 84.5773% | 3,257 |
| Equity capital to assets | 12.0683% | 1,907 |
| Core capital (leverage) ratio | 10.7382% | 2,671 |
| Tier 1 risk-based capital ratio | 15.0806% | 3,137 |
| Total risk-based capital ratio | 15.2356% | 3,649 |
| Memoranda: | ||
| Average total assets | $97,845,600 | 4,505 |
| Average earning assets | $87,910,200 | 4,539 |
| Average equity | $10,927,000 | 4,493 |
| Average total loans | $50,713,200 | 4,647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,517 |
| Cost of funding earning assets | 0.6123% | 1,327 |
| Net interest margin | 3.0585% | 5,055 |
| Noninterest income to average assets | 0.2846% | 4,912 |
| Noninterest expense to average assets | 2.2187% | 4,999 |
| Loan and lease loss provision to assets | 0.0553% | 3,090 |
| Net operating income to assets | 0.5235% | 4,707 |
| Return on assets (ROA) | 0.5328% | 4,764 |
| Pretax return on assets | 0.7728% | 4,416 |
| Return on Equity (ROE) | 4.8637% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.3245% | 4,106 |
| Net charge-offs to loans | -0.0947% | 5,760 |
| Credit loss provision to net charge-offs | -113.8889% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1645% | 3,182 |
| Assets per employee ($millions) | 5.3755% | 1,883 |
| Cash dividends to net income (ytd only)* | 31.6453% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1531% | 6,188 |
| Loan loss allowance to noncurrent loans | 5.6000% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4211% | 1,609 |
| Noncurrent loans to loans | 2.7347% | 695 |
| Net loans and leases to total assets | 51.8846% | 4,769 |
| Net loans and leases to deposits | 64.6913% | 4,500 |
| Net loans and leases to core deposits | 77.2699% | 3,672 |
| Total domestic deposits to total assets | 80.2034% | 4,693 |
| Equity capital to assets | 11.2279% | 2,773 |
| Core capital (leverage) ratio | 10.1823% | 3,396 |
| Tier 1 risk-based capital ratio | 14.4035% | 3,626 |
| Total risk-based capital ratio | 14.5194% | 4,198 |
| Memoranda: | ||
| Average total assets | $98,853,000 | 4,532 |
| Average earning assets | $88,843,500 | 4,579 |
| Average equity | $10,828,250 | 4,566 |
| Average total loans | $50,687,750 | 4,689 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,494 |
| Cost of funding earning assets | 0.6327% | 1,213 |
| Net interest margin | 3.0405% | 5,114 |
| Noninterest income to average assets | 0.2531% | 5,137 |
| Noninterest expense to average assets | 2.2280% | 5,031 |
| Loan and lease loss provision to assets | 0.0643% | 2,834 |
| Net operating income to assets | 0.4854% | 4,829 |
| Return on assets (ROA) | 0.5023% | 4,865 |
| Pretax return on assets | 0.7172% | 4,606 |
| Return on Equity (ROE) | 4.6226% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.6226% | 3,096 |
| Net charge-offs to loans | -0.0708% | 5,668 |
| Credit loss provision to net charge-offs | -177.7778% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5343% | 3,064 |
| Assets per employee ($millions) | 4.6109% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1012% | 6,271 |
| Loan loss allowance to noncurrent loans | 2.3652% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 2.4280% | 793 |
| Noncurrent loans to loans | 4.2781% | 328 |
| Net loans and leases to total assets | 50.9806% | 4,850 |
| Net loans and leases to deposits | 62.5581% | 4,658 |
| Net loans and leases to core deposits | 73.6446% | 3,981 |
| Total domestic deposits to total assets | 81.4931% | 4,449 |
| Equity capital to assets | 11.1681% | 2,701 |
| Core capital (leverage) ratio | 9.9845% | 3,628 |
| Tier 1 risk-based capital ratio | 14.5260% | 3,620 |
| Total risk-based capital ratio | 14.6021% | 4,238 |
| Memoranda: | ||
| Average total assets | $99,551,000 | 4,561 |
| Average earning assets | $89,459,330 | 4,608 |
| Average equity | $10,816,330 | 4,601 |
| Average total loans | $50,823,670 | 4,724 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,974 |
| Cost of funding earning assets | 0.6608% | 1,042 |
| Net interest margin | 2.8371% | 5,575 |
| Noninterest income to average assets | 0.2458% | 5,204 |
| Noninterest expense to average assets | 2.2594% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3686% | 5,191 |
| Return on assets (ROA) | 0.3686% | 5,313 |
| Pretax return on assets | 0.5391% | 5,073 |
| Return on Equity (ROE) | 3.4389% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,926 |
| Net charge-offs to loans | -0.1242% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1955% | 2,315 |
| Assets per employee ($millions) | 5.2601% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0325% | 6,358 |
| Loan loss allowance to noncurrent loans | 0.9691% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6520% | 1,534 |
| Noncurrent loans to loans | 3.3522% | 599 |
| Net loans and leases to total assets | 49.2641% | 4,917 |
| Net loans and leases to deposits | 58.1335% | 4,906 |
| Net loans and leases to core deposits | 71.8444% | 3,982 |
| Total domestic deposits to total assets | 84.7430% | 3,530 |
| Equity capital to assets | 10.9174% | 3,069 |
| Core capital (leverage) ratio | 9.6227% | 4,121 |
| Tier 1 risk-based capital ratio | 14.5274% | 3,704 |
| Total risk-based capital ratio | 14.5523% | 4,347 |
| Memoranda: | ||
| Average total assets | $100,912,000 | 4,576 |
| Average earning assets | $90,797,000 | 4,622 |
| Average equity | $10,817,500 | 4,636 |
| Average total loans | $51,528,500 | 4,750 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1368% | 6,505 |
| Cost of funding earning assets | 0.0155% | 6,471 |
| Net interest margin | 0.1213% | 6,504 |
| Noninterest income to average assets | 0.0103% | 6,372 |
| Noninterest expense to average assets | 0.1468% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0499% | 6,125 |
| Return on assets (ROA) | -0.0499% | 6,131 |
| Pretax return on assets | -0.0263% | 6,111 |
| Return on Equity (ROE) | -0.3971% | 6,125 |
| Retained earnings to average equity (ytd only) | -43.2636% | 6,479 |
| Net charge-offs to loans | -0.0779% | 6,054 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8750% | 120 |
| Assets per employee ($millions) | 5.1154% | 2,175 |
| Cash dividends to net income (ytd only)* | -10,796.2264% | 6,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4065% | 1,976 |
| Noncurrent loans to loans | 2.6744% | 912 |
| Net loans and leases to total assets | 52.5922% | 4,728 |
| Net loans and leases to deposits | 61.6900% | 4,752 |
| Net loans and leases to core deposits | 76.7385% | 3,631 |
| Total domestic deposits to total assets | 85.2524% | 3,185 |
| Equity capital to assets | 10.7450% | 3,186 |
| Core capital (leverage) ratio | 9.9349% | 3,669 |
| Tier 1 risk-based capital ratio | 16.7201% | 2,634 |
| Total risk-based capital ratio | 16.7201% | 3,176 |
| Memoranda: | ||
| Average total assets | $106,285,400 | 4,448 |
| Average earning assets | $96,482,200 | 4,496 |
| Average equity | $13,348,400 | 4,127 |
| Average total loans | $56,450,400 | 4,603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 5,214 |
| Cost of funding earning assets | 0.7959% | 695 |
| Net interest margin | 2.7776% | 5,900 |
| Noninterest income to average assets | 0.3356% | 4,757 |
| Noninterest expense to average assets | 3.0586% | 2,600 |
| Loan and lease loss provision to assets | -0.1243% | 6,315 |
| Net operating income to assets | -0.0497% | 6,183 |
| Return on assets (ROA) | 0.6363% | 4,384 |
| Pretax return on assets | 0.8488% | 4,183 |
| Return on Equity (ROE) | 4.8980% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.8980% | 3,160 |
| Net charge-offs to loans | -0.0630% | 5,999 |
| Credit loss provision to net charge-offs | 370.3704% | 762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6291% | 263 |
| Assets per employee ($millions) | 5.4503% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 2,035 |
| Loan loss allowance to noncurrent loans | 67.8806% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 2,331 |
| Noncurrent loans to loans | 2.4747% | 1,190 |
| Net loans and leases to total assets | 52.6773% | 4,734 |
| Net loans and leases to deposits | 64.7970% | 4,455 |
| Net loans and leases to core deposits | 78.5163% | 3,490 |
| Total domestic deposits to total assets | 81.2959% | 4,732 |
| Equity capital to assets | 13.8072% | 1,071 |
| Core capital (leverage) ratio | 13.1515% | 1,121 |
| Tier 1 risk-based capital ratio | 22.2205% | 1,234 |
| Total risk-based capital ratio | 23.4734% | 1,217 |
| Memoranda: | ||
| Average total assets | $107,279,750 | 4,472 |
| Average earning assets | $97,829,250 | 4,503 |
| Average equity | $13,937,250 | 4,054 |
| Average total loans | $57,111,500 | 4,624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 5,197 |
| Cost of funding earning assets | 0.8051% | 682 |
| Net interest margin | 2.7775% | 5,950 |
| Noninterest income to average assets | 0.3133% | 4,908 |
| Noninterest expense to average assets | 3.5164% | 1,446 |
| Loan and lease loss provision to assets | -0.1843% | 6,459 |
| Net operating income to assets | -0.3940% | 6,409 |
| Return on assets (ROA) | 0.6911% | 3,978 |
| Pretax return on assets | 0.8680% | 4,005 |
| Return on Equity (ROE) | 5.4281% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.4281% | 2,690 |
| Net charge-offs to loans | -0.0798% | 6,073 |
| Credit loss provision to net charge-offs | 434.7826% | 648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6552% | 124 |
| Assets per employee ($millions) | 4.7667% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 2,166 |
| Loan loss allowance to noncurrent loans | 75.0809% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 2,830 |
| Noncurrent loans to loans | 2.2484% | 1,450 |
| Net loans and leases to total assets | 49.2963% | 5,042 |
| Net loans and leases to deposits | 59.6727% | 4,889 |
| Net loans and leases to core deposits | 73.1633% | 3,938 |
| Total domestic deposits to total assets | 82.6111% | 4,442 |
| Equity capital to assets | 12.8529% | 1,450 |
| Core capital (leverage) ratio | 12.7763% | 1,249 |
| Tier 1 risk-based capital ratio | 22.3249% | 1,213 |
| Total risk-based capital ratio | 23.5785% | 1,195 |
| Memoranda: | ||
| Average total assets | $108,521,330 | 4,479 |
| Average earning assets | $98,866,670 | 4,497 |
| Average equity | $13,817,000 | 4,075 |
| Average total loans | $57,654,670 | 4,630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 4,651 |
| Cost of funding earning assets | 0.8162% | 686 |
| Net interest margin | 2.9384% | 5,674 |
| Noninterest income to average assets | 0.3186% | 4,827 |
| Noninterest expense to average assets | 4.8793% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.3830% | 6,623 |
| Return on assets (ROA) | 0.6076% | 4,245 |
| Pretax return on assets | 0.8336% | 3,962 |
| Return on Equity (ROE) | 4.7953% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.7953% | 3,237 |
| Net charge-offs to loans | -0.0746% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.3995% | 45 |
| Assets per employee ($millions) | 4.9085% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,134 |
| Loan loss allowance to noncurrent loans | 73.0410% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 2,716 |
| Noncurrent loans to loans | 2.4214% | 1,448 |
| Net loans and leases to total assets | 52.2572% | 4,643 |
| Net loans and leases to deposits | 62.0994% | 4,532 |
| Net loans and leases to core deposits | 75.6346% | 3,446 |
| Total domestic deposits to total assets | 84.1509% | 4,224 |
| Equity capital to assets | 12.6450% | 1,495 |
| Core capital (leverage) ratio | 12.7533% | 1,272 |
| Tier 1 risk-based capital ratio | 20.3473% | 1,631 |
| Total risk-based capital ratio | 21.5998% | 1,597 |
| Memoranda: | ||
| Average total assets | $107,965,500 | 4,532 |
| Average earning assets | $98,011,000 | 4,565 |
| Average equity | $13,680,000 | 4,111 |
| Average total loans | $58,995,500 | 4,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,623 |
| Cost of funding earning assets | 0.9906% | 468 |
| Net interest margin | 3.1391% | 5,199 |
| Noninterest income to average assets | 0.4598% | 4,020 |
| Noninterest expense to average assets | 2.4021% | 5,067 |
| Loan and lease loss provision to assets | 0.1877% | 1,966 |
| Net operating income to assets | 0.5113% | 4,684 |
| Return on assets (ROA) | 0.7037% | 3,863 |
| Pretax return on assets | 0.9674% | 3,494 |
| Return on Equity (ROE) | 5.4673% | 4,414 |
| Retained earnings to average equity (ytd only) | 4.3301% | 3,095 |
| Net charge-offs to loans | 0.0854% | 4,018 |
| Credit loss provision to net charge-offs | 377.3585% | 602 |
| Earnings coverage of net charge-offs (x) | 17.9245% | 1,690 |
| Efficiency ratio | 72.9345% | 3,300 |
| Assets per employee ($millions) | 5.1402% | 2,026 |
| Cash dividends to net income (ytd only)* | 20.8000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,533 |
| Loan loss allowance to noncurrent loans | 64.7552% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 1,971 |
| Noncurrent loans to loans | 2.5634% | 1,461 |
| Net loans and leases to total assets | 55.1573% | 4,440 |
| Net loans and leases to deposits | 65.9778% | 4,298 |
| Net loans and leases to core deposits | 80.8635% | 3,025 |
| Total domestic deposits to total assets | 83.5998% | 4,321 |
| Equity capital to assets | 12.6964% | 1,426 |
| Core capital (leverage) ratio | 12.5438% | 1,334 |
| Tier 1 risk-based capital ratio | 19.0126% | 1,916 |
| Total risk-based capital ratio | 20.2648% | 1,877 |
| Memoranda: | ||
| Average total assets | $106,575,600 | 4,576 |
| Average earning assets | $96,205,600 | 4,613 |
| Average equity | $13,718,000 | 4,120 |
| Average total loans | $62,044,600 | 4,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,655 |
| Cost of funding earning assets | 1.0205% | 444 |
| Net interest margin | 3.1061% | 5,302 |
| Noninterest income to average assets | 0.4832% | 3,917 |
| Noninterest expense to average assets | 2.4235% | 4,946 |
| Loan and lease loss provision to assets | 0.2510% | 1,420 |
| Net operating income to assets | 0.4619% | 4,966 |
| Return on assets (ROA) | 0.7242% | 3,857 |
| Pretax return on assets | 0.9501% | 3,690 |
| Return on Equity (ROE) | 5.6067% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.1006% | 3,769 |
| Net charge-offs to loans | 0.0299% | 4,533 |
| Credit loss provision to net charge-offs | 1,428.5714% | 223 |
| Earnings coverage of net charge-offs (x) | 48.7043% | 882 |
| Efficiency ratio | 73.8997% | 3,087 |
| Assets per employee ($millions) | 5.0979% | 2,053 |
| Cash dividends to net income (ytd only)* | 26.8630% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,531 |
| Loan loss allowance to noncurrent loans | 74.8924% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 2,381 |
| Noncurrent loans to loans | 2.3064% | 1,900 |
| Net loans and leases to total assets | 55.4822% | 4,396 |
| Net loans and leases to deposits | 67.2665% | 4,143 |
| Net loans and leases to core deposits | 80.2283% | 3,110 |
| Total domestic deposits to total assets | 82.4811% | 4,771 |
| Equity capital to assets | 12.7167% | 1,467 |
| Core capital (leverage) ratio | 12.9121% | 1,236 |
| Tier 1 risk-based capital ratio | 19.1334% | 1,946 |
| Total risk-based capital ratio | 20.3857% | 1,917 |
| Memoranda: | ||
| Average total assets | $106,233,500 | 4,634 |
| Average earning assets | $95,636,000 | 4,674 |
| Average equity | $13,721,250 | 4,171 |
| Average total loans | $62,419,750 | 4,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 3,602 |
| Cost of funding earning assets | 1.0303% | 465 |
| Net interest margin | 3.1057% | 5,256 |
| Noninterest income to average assets | 0.5002% | 3,831 |
| Noninterest expense to average assets | 2.4670% | 4,848 |
| Loan and lease loss provision to assets | 0.3775% | 859 |
| Net operating income to assets | 0.3421% | 5,434 |
| Return on assets (ROA) | 0.7418% | 3,761 |
| Pretax return on assets | 0.9683% | 3,646 |
| Return on Equity (ROE) | 5.7135% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.4601% | 4,120 |
| Net charge-offs to loans | -0.0032% | 5,575 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8997% | 2,964 |
| Assets per employee ($millions) | 4.2274% | 3,299 |
| Cash dividends to net income (ytd only)* | 39.4402% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 2,620 |
| Loan loss allowance to noncurrent loans | 58.0592% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 2,005 |
| Noncurrent loans to loans | 2.9988% | 1,485 |
| Net loans and leases to total assets | 56.5507% | 4,200 |
| Net loans and leases to deposits | 68.2093% | 3,979 |
| Net loans and leases to core deposits | 79.4716% | 3,091 |
| Total domestic deposits to total assets | 82.9075% | 4,734 |
| Equity capital to assets | 12.6216% | 1,508 |
| Core capital (leverage) ratio | 12.8325% | 1,240 |
| Tier 1 risk-based capital ratio | 18.9752% | 2,001 |
| Total risk-based capital ratio | 20.2286% | 1,965 |
| Memoranda: | ||
| Average total assets | $105,959,330 | 4,670 |
| Average earning assets | $95,310,000 | 4,712 |
| Average equity | $13,757,000 | 4,199 |
| Average total loans | $63,079,330 | 4,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 2,857 |
| Cost of funding earning assets | 1.0565% | 459 |
| Net interest margin | 3.2528% | 4,723 |
| Noninterest income to average assets | 0.4486% | 4,125 |
| Noninterest expense to average assets | 2.4807% | 4,821 |
| Loan and lease loss provision to assets | 0.7540% | 295 |
| Net operating income to assets | 0.1212% | 6,110 |
| Return on assets (ROA) | 0.6221% | 4,264 |
| Pretax return on assets | 0.8483% | 3,956 |
| Return on Equity (ROE) | 4.7258% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,780 |
| Net charge-offs to loans | -0.0062% | 5,312 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0300% | 3,439 |
| Assets per employee ($millions) | 4.1876% | 3,561 |
| Cash dividends to net income (ytd only)* | 47.2727% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 3,080 |
| Loan loss allowance to noncurrent loans | 229.2208% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 4,200 |
| Noncurrent loans to loans | 0.7343% | 4,661 |
| Net loans and leases to total assets | 59.0874% | 3,588 |
| Net loans and leases to deposits | 71.8535% | 3,199 |
| Net loans and leases to core deposits | 84.2419% | 2,294 |
| Total domestic deposits to total assets | 82.2331% | 5,118 |
| Equity capital to assets | 13.2937% | 1,298 |
| Core capital (leverage) ratio | 12.6764% | 1,262 |
| Tier 1 risk-based capital ratio | 18.8414% | 2,083 |
| Total risk-based capital ratio | 20.0944% | 2,060 |
| Memoranda: | ||
| Average total assets | $106,097,000 | 4,715 |
| Average earning assets | $96,163,500 | 4,736 |
| Average equity | $13,966,000 | 4,206 |
| Average total loans | $64,207,000 | 4,560 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 4,136 |
| Cost of funding earning assets | 1.3311% | 328 |
| Net interest margin | 2.9853% | 6,082 |
| Noninterest income to average assets | 0.8864% | 1,909 |
| Noninterest expense to average assets | 2.6273% | 4,654 |
| Loan and lease loss provision to assets | 0.1579% | 3,642 |
| Net operating income to assets | 0.5864% | 4,303 |
| Return on assets (ROA) | 0.8074% | 3,501 |
| Pretax return on assets | 1.1144% | 3,111 |
| Return on Equity (ROE) | 6.6128% | 3,853 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,653 |
| Net charge-offs to loans | 0.3722% | 2,769 |
| Credit loss provision to net charge-offs | 78.4141% | 3,876 |
| Earnings coverage of net charge-offs (x) | 4.7930% | 3,253 |
| Efficiency ratio | 73.1292% | 3,217 |
| Assets per employee ($millions) | 4.1348% | 3,677 |
| Cash dividends to net income (ytd only)* | 45.0549% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,587 |
| Loan loss allowance to noncurrent loans | 264.0000% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 4,674 |
| Noncurrent loans to loans | 0.4962% | 5,294 |
| Net loans and leases to total assets | 60.1265% | 3,584 |
| Net loans and leases to deposits | 73.8993% | 3,100 |
| Net loans and leases to core deposits | 86.6951% | 2,231 |
| Total domestic deposits to total assets | 81.3627% | 5,287 |
| Equity capital to assets | 13.0366% | 1,427 |
| Core capital (leverage) ratio | 12.1455% | 1,481 |
| Tier 1 risk-based capital ratio | 17.9470% | 2,274 |
| Total risk-based capital ratio | 19.1171% | 2,279 |
| Memoranda: | ||
| Average total assets | $112,703,000 | 4,531 |
| Average earning assets | $102,168,200 | 4,545 |
| Average equity | $13,761,200 | 4,211 |
| Average total loans | $60,983,800 | 4,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 4,521 |
| Cost of funding earning assets | 1.3992% | 293 |
| Net interest margin | 2.8824% | 6,391 |
| Noninterest income to average assets | 0.6994% | 2,715 |
| Noninterest expense to average assets | 2.5519% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5029% | 4,836 |
| Return on assets (ROA) | 0.6666% | 4,326 |
| Pretax return on assets | 1.0011% | 3,704 |
| Return on Equity (ROE) | 5.5482% | 4,577 |
| Retained earnings to average equity (ytd only) | 3.2900% | 4,557 |
| Net charge-offs to loans | 0.2740% | 3,082 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.2601% | 3,066 |
| Efficiency ratio | 77.1297% | 2,502 |
| Assets per employee ($millions) | 4.3433% | 3,178 |
| Cash dividends to net income (ytd only)* | 40.7024% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,073 |
| Loan loss allowance to noncurrent loans | 1,328.8136% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.4507% | 5,535 |
| Noncurrent loans to loans | 0.0936% | 6,384 |
| Net loans and leases to total assets | 55.1007% | 4,582 |
| Net loans and leases to deposits | 73.2734% | 3,395 |
| Net loans and leases to core deposits | 85.6724% | 2,504 |
| Total domestic deposits to total assets | 75.1988% | 6,494 |
| Equity capital to assets | 12.4896% | 1,897 |
| Core capital (leverage) ratio | 11.5316% | 1,963 |
| Tier 1 risk-based capital ratio | 18.1600% | 2,280 |
| Total risk-based capital ratio | 19.2553% | 2,320 |
| Memoranda: | ||
| Average total assets | $114,002,500 | 4,540 |
| Average earning assets | $103,196,750 | 4,566 |
| Average equity | $13,697,750 | 4,262 |
| Average total loans | $59,855,500 | 4,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 4,495 |
| Cost of funding earning assets | 1.4223% | 320 |
| Net interest margin | 2.8951% | 6,435 |
| Noninterest income to average assets | 0.6208% | 3,123 |
| Noninterest expense to average assets | 2.4991% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5866% | 4,421 |
| Return on assets (ROA) | 0.6716% | 4,272 |
| Pretax return on assets | 0.8324% | 4,345 |
| Return on Equity (ROE) | 5.6627% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.3770% | 4,357 |
| Net charge-offs to loans | 0.4183% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3821% | 3,391 |
| Efficiency ratio | 77.4526% | 2,527 |
| Assets per employee ($millions) | 4.4017% | 3,087 |
| Cash dividends to net income (ytd only)* | 40.3646% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,725 |
| Loan loss allowance to noncurrent loans | 1,073.9726% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 5,277 |
| Noncurrent loans to loans | 0.1243% | 6,353 |
| Net loans and leases to total assets | 50.6409% | 5,273 |
| Net loans and leases to deposits | 66.4980% | 4,444 |
| Net loans and leases to core deposits | 78.0329% | 3,512 |
| Total domestic deposits to total assets | 76.1541% | 6,438 |
| Equity capital to assets | 12.0680% | 2,099 |
| Core capital (leverage) ratio | 11.3933% | 1,975 |
| Tier 1 risk-based capital ratio | 18.5163% | 2,129 |
| Total risk-based capital ratio | 19.6426% | 2,125 |
| Memoranda: | ||
| Average total assets | $114,361,330 | 4,555 |
| Average earning assets | $102,933,330 | 4,607 |
| Average equity | $13,562,330 | 4,288 |
| Average total loans | $58,805,000 | 4,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 4,645 |
| Cost of funding earning assets | 1.4332% | 375 |
| Net interest margin | 2.8897% | 6,502 |
| Noninterest income to average assets | 0.3954% | 4,708 |
| Noninterest expense to average assets | 2.4563% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4654% | 4,974 |
| Return on assets (ROA) | 0.4654% | 5,171 |
| Pretax return on assets | 0.5493% | 5,286 |
| Return on Equity (ROE) | 3.9589% | 5,313 |
| Retained earnings to average equity (ytd only) | 1.6669% | 5,400 |
| Net charge-offs to loans | 0.0476% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 22.4286% | 1,128 |
| Efficiency ratio | 81.7229% | 1,972 |
| Assets per employee ($millions) | 4.7118% | 2,645 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,902 |
| Loan loss allowance to noncurrent loans | 279.5031% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 4,102 |
| Noncurrent loans to loans | 0.5573% | 5,545 |
| Net loans and leases to total assets | 50.3024% | 5,262 |
| Net loans and leases to deposits | 67.6004% | 4,130 |
| Net loans and leases to core deposits | 78.8968% | 3,200 |
| Total domestic deposits to total assets | 74.4115% | 6,709 |
| Equity capital to assets | 11.9940% | 2,045 |
| Core capital (leverage) ratio | 11.4780% | 1,907 |
| Tier 1 risk-based capital ratio | 18.3444% | 2,188 |
| Total risk-based capital ratio | 19.5952% | 2,160 |
| Memoranda: | ||
| Average total assets | $114,320,500 | 4,588 |
| Average earning assets | $103,264,000 | 4,624 |
| Average equity | $13,438,000 | 4,317 |
| Average total loans | $58,838,000 | 4,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 4,563 |
| Cost of funding earning assets | 1.7453% | 267 |
| Net interest margin | 2.8809% | 6,721 |
| Noninterest income to average assets | 0.1711% | 6,260 |
| Noninterest expense to average assets | 2.4537% | 5,627 |
| Loan and lease loss provision to assets | 0.0217% | 6,301 |
| Net operating income to assets | 0.2128% | 5,550 |
| Return on assets (ROA) | 0.4421% | 4,891 |
| Pretax return on assets | 0.5559% | 4,816 |
| Return on Equity (ROE) | 3.8861% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.5957% | 5,075 |
| Net charge-offs to loans | 0.9622% | 1,791 |
| Credit loss provision to net charge-offs | 4.5126% | 6,046 |
| Earnings coverage of net charge-offs (x) | 0.6047% | 5,369 |
| Efficiency ratio | 89.3987% | 1,236 |
| Assets per employee ($millions) | 5.0243% | 2,166 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,959 |
| Loan loss allowance to noncurrent loans | 265.9824% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 4,226 |
| Noncurrent loans to loans | 0.5693% | 5,575 |
| Net loans and leases to total assets | 51.0441% | 5,458 |
| Net loans and leases to deposits | 71.0829% | 3,939 |
| Net loans and leases to core deposits | 78.5015% | 3,625 |
| Total domestic deposits to total assets | 71.8092% | 6,880 |
| Equity capital to assets | 11.5205% | 2,488 |
| Core capital (leverage) ratio | 11.0187% | 2,256 |
| Tier 1 risk-based capital ratio | 17.6404% | 2,324 |
| Total risk-based capital ratio | 18.8903% | 2,289 |
| Memoranda: | ||
| Average total assets | $115,132,400 | 4,519 |
| Average earning assets | $102,849,400 | 4,565 |
| Average equity | $13,097,800 | 4,324 |
| Average total loans | $57,576,200 | 4,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 4,574 |
| Cost of funding earning assets | 1.8122% | 248 |
| Net interest margin | 2.8622% | 6,810 |
| Noninterest income to average assets | 0.3779% | 4,841 |
| Noninterest expense to average assets | 2.4203% | 5,711 |
| Loan and lease loss provision to assets | 0.0290% | 6,075 |
| Net operating income to assets | 0.3878% | 5,048 |
| Return on assets (ROA) | 0.5807% | 4,352 |
| Pretax return on assets | 0.7105% | 4,435 |
| Return on Equity (ROE) | 5.1210% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.8416% | 4,652 |
| Net charge-offs to loans | 0.1053% | 4,948 |
| Credit loss provision to net charge-offs | 55.5556% | 4,904 |
| Earnings coverage of net charge-offs (x) | 9.6665% | 2,017 |
| Efficiency ratio | 82.7586% | 1,873 |
| Assets per employee ($millions) | 4.6482% | 2,696 |
| Cash dividends to net income (ytd only)* | 44.5118% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4526% | 1,460 |
| Loan loss allowance to noncurrent loans | 165.2275% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 2,774 |
| Noncurrent loans to loans | 1.4844% | 4,074 |
| Net loans and leases to total assets | 48.4639% | 5,901 |
| Net loans and leases to deposits | 68.2692% | 4,559 |
| Net loans and leases to core deposits | 75.4397% | 4,260 |
| Total domestic deposits to total assets | 70.9894% | 6,986 |
| Equity capital to assets | 11.7214% | 2,474 |
| Core capital (leverage) ratio | 11.1104% | 2,307 |
| Tier 1 risk-based capital ratio | 18.2906% | 2,155 |
| Total risk-based capital ratio | 19.5508% | 2,115 |
| Memoranda: | ||
| Average total assets | $115,025,750 | 4,557 |
| Average earning assets | $102,343,000 | 4,609 |
| Average equity | $13,044,000 | 4,340 |
| Average total loans | $56,997,000 | 5,031 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 4,725 |
| Cost of funding earning assets | 1.8513% | 256 |
| Net interest margin | 2.8053% | 6,918 |
| Noninterest income to average assets | 0.4275% | 4,449 |
| Noninterest expense to average assets | 2.3833% | 5,893 |
| Loan and lease loss provision to assets | 0.0436% | 5,769 |
| Net operating income to assets | 0.4384% | 4,777 |
| Return on assets (ROA) | 0.5583% | 4,396 |
| Pretax return on assets | 0.6421% | 4,604 |
| Return on Equity (ROE) | 4.9799% | 4,459 |
| Retained earnings to average equity (ytd only) | 2.7234% | 4,553 |
| Net charge-offs to loans | 0.1621% | 4,204 |
| Credit loss provision to net charge-offs | 54.3478% | 4,474 |
| Earnings coverage of net charge-offs (x) | 6.8261% | 2,326 |
| Efficiency ratio | 81.3095% | 2,201 |
| Assets per employee ($millions) | 4.6210% | 2,657 |
| Cash dividends to net income (ytd only)* | 45.3125% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5511% | 1,368 |
| Loan loss allowance to noncurrent loans | 92.7261% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 2.7596% | 2,426 |
| Noncurrent loans to loans | 2.7512% | 2,650 |
| Net loans and leases to total assets | 46.7881% | 6,176 |
| Net loans and leases to deposits | 66.7202% | 4,891 |
| Net loans and leases to core deposits | 71.9993% | 4,819 |
| Total domestic deposits to total assets | 70.1259% | 7,099 |
| Equity capital to assets | 11.5464% | 2,461 |
| Core capital (leverage) ratio | 10.9606% | 2,285 |
| Tier 1 risk-based capital ratio | 19.5147% | 1,712 |
| Total risk-based capital ratio | 20.7759% | 1,683 |
| Memoranda: | ||
| Average total assets | $114,632,330 | 4,598 |
| Average earning assets | $102,308,000 | 4,642 |
| Average equity | $12,851,670 | 4,375 |
| Average total loans | $56,751,330 | 5,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 5,298 |
| Cost of funding earning assets | 1.8650% | 293 |
| Net interest margin | 2.6469% | 7,080 |
| Noninterest income to average assets | 0.3363% | 5,217 |
| Noninterest expense to average assets | 2.3330% | 6,097 |
| Loan and lease loss provision to assets | 0.0876% | 4,912 |
| Net operating income to assets | 0.2447% | 5,632 |
| Return on assets (ROA) | 0.4799% | 4,652 |
| Pretax return on assets | 0.5640% | 4,820 |
| Return on Equity (ROE) | 4.3464% | 4,726 |
| Retained earnings to average equity (ytd only) | 2.1891% | 4,830 |
| Net charge-offs to loans | 0.2648% | 3,012 |
| Credit loss provision to net charge-offs | 65.7895% | 3,440 |
| Earnings coverage of net charge-offs (x) | 2.8158% | 2,959 |
| Efficiency ratio | 86.1578% | 1,700 |
| Assets per employee ($millions) | 5.0263% | 2,126 |
| Cash dividends to net income (ytd only)* | 49.6350% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5500% | 1,388 |
| Loan loss allowance to noncurrent loans | 92.8851% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 2.7628% | 2,500 |
| Noncurrent loans to loans | 2.7453% | 2,752 |
| Net loans and leases to total assets | 47.0408% | 6,185 |
| Net loans and leases to deposits | 68.2394% | 4,643 |
| Net loans and leases to core deposits | 72.9940% | 4,652 |
| Total domestic deposits to total assets | 68.9350% | 7,232 |
| Equity capital to assets | 11.0280% | 2,659 |
| Core capital (leverage) ratio | 11.0517% | 2,152 |
| Tier 1 risk-based capital ratio | 19.0569% | 1,787 |
| Total risk-based capital ratio | 20.3187% | 1,744 |
| Memoranda: | ||
| Average total assets | $114,186,000 | 4,642 |
| Average earning assets | $102,306,500 | 4,676 |
| Average equity | $12,608,000 | 4,418 |
| Average total loans | $57,393,500 | 5,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 4,133 |
| Cost of funding earning assets | 2.1725% | 335 |
| Net interest margin | 2.9173% | 6,871 |
| Noninterest income to average assets | 0.2469% | 6,029 |
| Noninterest expense to average assets | 2.2611% | 6,455 |
| Loan and lease loss provision to assets | 0.4564% | 3,385 |
| Net operating income to assets | 0.1257% | 5,524 |
| Return on assets (ROA) | 0.3677% | 4,834 |
| Pretax return on assets | 0.4686% | 4,729 |
| Return on Equity (ROE) | 3.3359% | 4,810 |
| Retained earnings to average equity (ytd only) | 0.9542% | 5,077 |
| Net charge-offs to loans | 1.5808% | 1,380 |
| Credit loss provision to net charge-offs | 49.2495% | 6,270 |
| Earnings coverage of net charge-offs (x) | 0.6632% | 5,446 |
| Efficiency ratio | 78.6276% | 2,591 |
| Assets per employee ($millions) | 4.6986% | 2,558 |
| Cash dividends to net income (ytd only)* | 71.3948% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4346% | 1,503 |
| Loan loss allowance to noncurrent loans | 75.9788% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 3.3397% | 2,110 |
| Noncurrent loans to loans | 3.2044% | 2,372 |
| Net loans and leases to total assets | 51.0313% | 6,041 |
| Net loans and leases to deposits | 74.2817% | 4,145 |
| Net loans and leases to core deposits | 79.2328% | 4,315 |
| Total domestic deposits to total assets | 68.6998% | 7,297 |
| Equity capital to assets | 11.0556% | 2,637 |
| Core capital (leverage) ratio | 10.9947% | 2,169 |
| Tier 1 risk-based capital ratio | 18.0711% | 1,977 |
| Total risk-based capital ratio | 19.3309% | 1,936 |
| Memoranda: | ||
| Average total assets | $115,032,200 | 4,590 |
| Average earning assets | $103,658,600 | 4,615 |
| Average equity | $12,680,400 | 4,432 |
| Average total loans | $67,432,200 | 4,774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 4,090 |
| Cost of funding earning assets | 2.2412% | 334 |
| Net interest margin | 2.9061% | 6,996 |
| Noninterest income to average assets | 0.2076% | 6,420 |
| Noninterest expense to average assets | 2.2180% | 6,557 |
| Loan and lease loss provision to assets | 0.5190% | 2,857 |
| Net operating income to assets | 0.0692% | 5,840 |
| Return on assets (ROA) | 0.3714% | 5,063 |
| Pretax return on assets | 0.5006% | 4,922 |
| Return on Equity (ROE) | 3.3715% | 5,066 |
| Retained earnings to average equity (ytd only) | 0.9110% | 5,440 |
| Net charge-offs to loans | 1.5644% | 1,277 |
| Credit loss provision to net charge-offs | 55.1471% | 5,800 |
| Earnings coverage of net charge-offs (x) | 0.6495% | 5,393 |
| Efficiency ratio | 78.3938% | 2,567 |
| Assets per employee ($millions) | 4.9265% | 2,281 |
| Cash dividends to net income (ytd only)* | 72.9829% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3596% | 1,529 |
| Loan loss allowance to noncurrent loans | 59.8440% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 3.7967% | 1,874 |
| Noncurrent loans to loans | 3.9430% | 1,913 |
| Net loans and leases to total assets | 58.8320% | 5,127 |
| Net loans and leases to deposits | 83.8663% | 2,727 |
| Net loans and leases to core deposits | 91.6997% | 2,850 |
| Total domestic deposits to total assets | 70.1498% | 7,266 |
| Equity capital to assets | 11.3936% | 2,608 |
| Core capital (leverage) ratio | 10.8400% | 2,381 |
| Tier 1 risk-based capital ratio | 16.7977% | 2,412 |
| Total risk-based capital ratio | 18.0597% | 2,369 |
| Memoranda: | ||
| Average total assets | $115,598,750 | 4,646 |
| Average earning assets | $104,284,500 | 4,661 |
| Average equity | $12,733,750 | 4,489 |
| Average total loans | $69,544,750 | 4,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 3,850 |
| Cost of funding earning assets | 2.2933% | 345 |
| Net interest margin | 2.9270% | 6,976 |
| Noninterest income to average assets | 0.3145% | 5,644 |
| Noninterest expense to average assets | 2.1313% | 6,814 |
| Loan and lease loss provision to assets | 0.6445% | 2,231 |
| Net operating income to assets | 0.1410% | 5,748 |
| Return on assets (ROA) | 0.5311% | 4,342 |
| Pretax return on assets | 0.6824% | 4,299 |
| Return on Equity (ROE) | 4.8757% | 4,349 |
| Retained earnings to average equity (ytd only) | 2.4142% | 4,624 |
| Net charge-offs to loans | 2.0066% | 906 |
| Credit loss provision to net charge-offs | 53.4188% | 5,346 |
| Earnings coverage of net charge-offs (x) | 0.6852% | 5,058 |
| Efficiency ratio | 72.0511% | 3,806 |
| Assets per employee ($millions) | 5.3167% | 1,796 |
| Cash dividends to net income (ytd only)* | 50.4854% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4356% | 1,388 |
| Loan loss allowance to noncurrent loans | 55.0734% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.8088% | 1,827 |
| Noncurrent loans to loans | 4.4224% | 1,651 |
| Net loans and leases to total assets | 56.5082% | 5,621 |
| Net loans and leases to deposits | 82.0386% | 3,268 |
| Net loans and leases to core deposits | 89.8288% | 3,296 |
| Total domestic deposits to total assets | 68.8801% | 7,392 |
| Equity capital to assets | 11.0270% | 2,833 |
| Core capital (leverage) ratio | 10.7919% | 2,402 |
| Tier 1 risk-based capital ratio | 16.9846% | 2,286 |
| Total risk-based capital ratio | 18.2473% | 2,232 |
| Memoranda: | ||
| Average total assets | $116,362,000 | 4,646 |
| Average earning assets | $105,090,000 | 4,665 |
| Average equity | $12,675,000 | 4,505 |
| Average total loans | $69,968,670 | 4,794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 3,396 |
| Cost of funding earning assets | 2.3461% | 365 |
| Net interest margin | 2.9832% | 6,866 |
| Noninterest income to average assets | 0.2413% | 6,225 |
| Noninterest expense to average assets | 2.0851% | 6,986 |
| Loan and lease loss provision to assets | 0.2585% | 3,969 |
| Net operating income to assets | 0.5417% | 4,171 |
| Return on assets (ROA) | 0.8616% | 2,791 |
| Pretax return on assets | 0.9443% | 3,295 |
| Return on Equity (ROE) | 7.9596% | 2,900 |
| Retained earnings to average equity (ytd only) | 5.4762% | 2,881 |
| Net charge-offs to loans | 1.9809% | 867 |
| Credit loss provision to net charge-offs | 21.3068% | 4,933 |
| Earnings coverage of net charge-offs (x) | 0.7017% | 4,401 |
| Efficiency ratio | 71.0094% | 4,119 |
| Assets per employee ($millions) | 5.1266% | 2,057 |
| Cash dividends to net income (ytd only)* | 31.2000% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4362% | 1,381 |
| Loan loss allowance to noncurrent loans | 69.7579% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 3.3966% | 2,090 |
| Noncurrent loans to loans | 3.4924% | 2,284 |
| Net loans and leases to total assets | 57.7393% | 5,488 |
| Net loans and leases to deposits | 84.1420% | 2,915 |
| Net loans and leases to core deposits | 92.2194% | 3,080 |
| Total domestic deposits to total assets | 68.6212% | 7,493 |
| Equity capital to assets | 10.7641% | 2,983 |
| Core capital (leverage) ratio | 10.7746% | 2,388 |
| Tier 1 risk-based capital ratio | 16.6584% | 2,387 |
| Total risk-based capital ratio | 17.9216% | 2,338 |
| Memoranda: | ||
| Average total assets | $116,059,500 | 4,720 |
| Average earning assets | $104,853,500 | 4,738 |
| Average equity | $12,563,500 | 4,570 |
| Average total loans | $71,080,000 | 4,819 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8094% | 2,620 |
| Cost of funding earning assets | 2.8206% | 419 |
| Net interest margin | 2.9888% | 6,675 |
| Noninterest income to average assets | -0.2518% | 7,882 |
| Noninterest expense to average assets | 2.2640% | 6,839 |
| Loan and lease loss provision to assets | 0.8254% | 2,659 |
| Net operating income to assets | -0.5542% | 6,233 |
| Return on assets (ROA) | 0.0935% | 5,269 |
| Pretax return on assets | 0.0152% | 5,403 |
| Return on Equity (ROE) | 0.8695% | 5,274 |
| Retained earnings to average equity (ytd only) | -1.5667% | 5,407 |
| Net charge-offs to loans | 0.4395% | 4,042 |
| Credit loss provision to net charge-offs | 296.9697% | 1,122 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 5,403 |
| Efficiency ratio | 92.1495% | 1,554 |
| Assets per employee ($millions) | 4.9656% | 2,264 |
| Cash dividends to net income (ytd only)* | 280.1802% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7315% | 990 |
| Loan loss allowance to noncurrent loans | 85.9939% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 3.4297% | 1,959 |
| Noncurrent loans to loans | 3.1763% | 2,409 |
| Net loans and leases to total assets | 61.6437% | 5,071 |
| Net loans and leases to deposits | 86.0418% | 2,906 |
| Net loans and leases to core deposits | 109.6399% | 2,936 |
| Total domestic deposits to total assets | 71.6438% | 7,275 |
| Equity capital to assets | 10.8880% | 2,784 |
| Core capital (leverage) ratio | 10.6647% | 2,461 |
| Tier 1 risk-based capital ratio | 16.1650% | 2,446 |
| Total risk-based capital ratio | 17.4314% | 2,376 |
| Memoranda: | ||
| Average total assets | $118,727,800 | 4,611 |
| Average earning assets | $107,601,800 | 4,644 |
| Average equity | $12,765,800 | 4,568 |
| Average total loans | $75,078,000 | 4,680 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 2,638 |
| Cost of funding earning assets | 2.9170% | 430 |
| Net interest margin | 2.9403% | 6,750 |
| Noninterest income to average assets | 0.2992% | 6,080 |
| Noninterest expense to average assets | 2.4228% | 6,343 |
| Loan and lease loss provision to assets | 0.6441% | 2,824 |
| Net operating income to assets | -0.0861% | 5,867 |
| Return on assets (ROA) | 0.3626% | 4,643 |
| Pretax return on assets | 0.4427% | 4,684 |
| Return on Equity (ROE) | 3.3830% | 4,628 |
| Retained earnings to average equity (ytd only) | 0.9547% | 4,777 |
| Net charge-offs to loans | 0.5808% | 2,937 |
| Credit loss provision to net charge-offs | 175.4545% | 2,633 |
| Earnings coverage of net charge-offs (x) | 1.4697% | 4,687 |
| Efficiency ratio | 81.7875% | 2,606 |
| Assets per employee ($millions) | 5.0871% | 2,038 |
| Cash dividends to net income (ytd only)* | 71.7779% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,574 |
| Loan loss allowance to noncurrent loans | 130.3557% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.3555% | 2,925 |
| Noncurrent loans to loans | 1.6211% | 4,211 |
| Net loans and leases to total assets | 62.3927% | 5,177 |
| Net loans and leases to deposits | 88.9401% | 2,790 |
| Net loans and leases to core deposits | 113.4540% | 2,886 |
| Total domestic deposits to total assets | 70.1514% | 7,404 |
| Equity capital to assets | 11.0577% | 2,964 |
| Core capital (leverage) ratio | 10.7336% | 2,614 |
| Tier 1 risk-based capital ratio | 15.7255% | 2,729 |
| Total risk-based capital ratio | 16.9837% | 2,657 |
| Memoranda: | ||
| Average total assets | $119,857,750 | 4,599 |
| Average earning assets | $108,558,250 | 4,636 |
| Average equity | $12,848,500 | 4,573 |
| Average total loans | $75,752,750 | 4,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9697% | 2,301 |
| Cost of funding earning assets | 3.0269% | 431 |
| Net interest margin | 2.9428% | 6,703 |
| Noninterest income to average assets | 0.2765% | 6,285 |
| Noninterest expense to average assets | 2.3144% | 6,722 |
| Loan and lease loss provision to assets | 0.7450% | 2,201 |
| Net operating income to assets | -0.0970% | 6,001 |
| Return on assets (ROA) | 0.3659% | 4,731 |
| Pretax return on assets | 0.4453% | 4,811 |
| Return on Equity (ROE) | 3.4481% | 4,732 |
| Retained earnings to average equity (ytd only) | 1.0297% | 4,756 |
| Net charge-offs to loans | 0.6593% | 2,385 |
| Credit loss provision to net charge-offs | 179.2829% | 2,550 |
| Earnings coverage of net charge-offs (x) | 1.5060% | 4,407 |
| Efficiency ratio | 78.7162% | 3,233 |
| Assets per employee ($millions) | 5.1834% | 1,882 |
| Cash dividends to net income (ytd only)* | 70.1357% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0236% | 1,522 |
| Loan loss allowance to noncurrent loans | 117.8378% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 2.7898% | 2,304 |
| Noncurrent loans to loans | 1.7172% | 3,930 |
| Net loans and leases to total assets | 61.9755% | 5,362 |
| Net loans and leases to deposits | 87.3801% | 3,285 |
| Net loans and leases to core deposits | 116.9582% | 2,630 |
| Total domestic deposits to total assets | 70.9264% | 7,375 |
| Equity capital to assets | 10.7081% | 3,196 |
| Core capital (leverage) ratio | 10.3879% | 2,912 |
| Tier 1 risk-based capital ratio | 15.0328% | 3,005 |
| Total risk-based capital ratio | 16.2894% | 2,939 |
| Memoranda: | ||
| Average total assets | $120,809,000 | 4,611 |
| Average earning assets | $109,352,330 | 4,641 |
| Average equity | $12,818,670 | 4,590 |
| Average total loans | $76,144,330 | 4,728 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 2,253 |
| Cost of funding earning assets | 3.1039% | 455 |
| Net interest margin | 2.9213% | 6,697 |
| Noninterest income to average assets | 0.2270% | 6,643 |
| Noninterest expense to average assets | 2.0986% | 7,118 |
| Loan and lease loss provision to assets | 0.2467% | 4,003 |
| Net operating income to assets | 0.4697% | 4,565 |
| Return on assets (ROA) | 0.8289% | 3,155 |
| Pretax return on assets | 0.9079% | 3,688 |
| Return on Equity (ROE) | 7.8474% | 3,221 |
| Retained earnings to average equity (ytd only) | 5.4185% | 2,891 |
| Net charge-offs to loans | -0.0052% | 7,185 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4177% | 3,930 |
| Assets per employee ($millions) | 5.4881% | 1,575 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 1,679 |
| Loan loss allowance to noncurrent loans | 63.9763% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.9714% | 1,297 |
| Noncurrent loans to loans | 2.9306% | 2,227 |
| Net loans and leases to total assets | 60.8152% | 5,528 |
| Net loans and leases to deposits | 85.7351% | 3,679 |
| Net loans and leases to core deposits | 117.5152% | 2,638 |
| Total domestic deposits to total assets | 70.9338% | 7,335 |
| Equity capital to assets | 10.7315% | 3,256 |
| Core capital (leverage) ratio | 10.5193% | 2,901 |
| Tier 1 risk-based capital ratio | 14.9160% | 3,112 |
| Total risk-based capital ratio | 16.1710% | 3,037 |
| Memoranda: | ||
| Average total assets | $121,604,500 | 4,603 |
| Average earning assets | $109,540,500 | 4,655 |
| Average equity | $12,845,000 | 4,615 |
| Average total loans | $76,510,500 | 4,750 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2994% | 3,965 |
| Cost of funding earning assets | 3.5881% | 404 |
| Net interest margin | 2.7113% | 7,481 |
| Noninterest income to average assets | 0.3040% | 6,273 |
| Noninterest expense to average assets | 2.0641% | 7,315 |
| Loan and lease loss provision to assets | 0.5248% | 2,715 |
| Net operating income to assets | 0.1510% | 5,979 |
| Return on assets (ROA) | 0.2341% | 5,569 |
| Pretax return on assets | 0.2715% | 5,573 |
| Return on Equity (ROE) | 2.2037% | 5,539 |
| Retained earnings to average equity (ytd only) | -0.2431% | 5,361 |
| Net charge-offs to loans | 0.2583% | 3,692 |
| Credit loss provision to net charge-offs | 308.8235% | 1,462 |
| Earnings coverage of net charge-offs (x) | 4.1176% | 4,099 |
| Efficiency ratio | 74.6835% | 3,463 |
| Assets per employee ($millions) | 5.3248% | 1,620 |
| Cash dividends to net income (ytd only)* | 111.0320% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 1,920 |
| Loan loss allowance to noncurrent loans | 98.6617% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 3.0701% | 1,495 |
| Noncurrent loans to loans | 1.7201% | 3,189 |
| Net loans and leases to total assets | 62.7610% | 5,498 |
| Net loans and leases to deposits | 89.3227% | 3,571 |
| Net loans and leases to core deposits | 121.7763% | 2,529 |
| Total domestic deposits to total assets | 70.2632% | 7,247 |
| Equity capital to assets | 10.3967% | 3,614 |
| Core capital (leverage) ratio | 10.2075% | 3,257 |
| Tier 1 risk-based capital ratio | 14.2812% | 3,405 |
| Total risk-based capital ratio | 15.5348% | 3,323 |
| Memoranda: | ||
| Average total assets | $120,052,000 | 4,521 |
| Average earning assets | $108,915,800 | 4,536 |
| Average equity | $12,751,000 | 4,637 |
| Average total loans | $78,978,000 | 4,555 |