Home > Farmers and Merchants State Bank of Appleton > Performance and Condition Ratios
Farmers and Merchants State Bank of Appleton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 1,799 |
| Cost of funding earning assets | 0.7898% | 3,767 |
| Net interest margin | 4.3370% | 765 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.7959% | 4,012 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 2.1808% | 352 |
| Return on assets (ROA) | 2.1808% | 341 |
| Pretax return on assets | 2.1808% | 504 |
| Return on Equity (ROE) | 20.1900% | 598 |
| Retained earnings to average equity (ytd only) | 3.8428% | 3,016 |
| Net charge-offs to loans | 0.0182% | 1,996 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 196.3750% | 591 |
| Efficiency ratio | 41.8148% | 4,321 |
| Assets per employee ($millions) | 8.2095% | 1,330 |
| Cash dividends to net income (ytd only)* | 80.9628% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 347 |
| Loan loss allowance to noncurrent loans | 111.0122% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0251% | 138 |
| Noncurrent loans to loans | 1.8492% | 318 |
| Net loans and leases to total assets | 72.5000% | 1,526 |
| Net loans and leases to deposits | 92.0580% | 1,087 |
| Net loans and leases to core deposits | 98.9691% | 1,491 |
| Total domestic deposits to total assets | 78.7600% | 3,642 |
| Equity capital to assets | 10.8822% | 1,536 |
| Core capital (leverage) ratio | 11.1047% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $62,866,600 | 4,180 |
| Average earning assets | $58,750,600 | 4,153 |
| Average equity | $6,792,000 | 4,073 |
| Average total loans | $44,076,200 | 3,933 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 1,616 |
| Cost of funding earning assets | 0.4891% | 4,004 |
| Net interest margin | 4.4772% | 631 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.7637% | 4,065 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 2.5878% | 223 |
| Return on assets (ROA) | 2.5878% | 220 |
| Pretax return on assets | 2.5878% | 316 |
| Return on Equity (ROE) | 24.1400% | 418 |
| Retained earnings to average equity (ytd only) | -0.0897% | 4,114 |
| Net charge-offs to loans | 0.0047% | 2,105 |
| Credit loss provision to net charge-offs | 5,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 857.0000% | 174 |
| Efficiency ratio | 39.0903% | 4,416 |
| Assets per employee ($millions) | 7.5103% | 1,603 |
| Cash dividends to net income (ytd only)* | 100.3717% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 408 |
| Loan loss allowance to noncurrent loans | 48.1962% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.9526% | 72 |
| Noncurrent loans to loans | 4.1725% | 79 |
| Net loans and leases to total assets | 69.3400% | 1,815 |
| Net loans and leases to deposits | 78.1324% | 2,121 |
| Net loans and leases to core deposits | 79.4511% | 2,514 |
| Total domestic deposits to total assets | 88.7500% | 1,331 |
| Equity capital to assets | 11.1914% | 1,306 |
| Core capital (leverage) ratio | 11.6983% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $62,369,333 | 4,227 |
| Average earning assets | $58,474,667 | 4,195 |
| Average equity | $6,687,000 | 4,108 |
| Average total loans | $42,120,333 | 3,987 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 1,674 |
| Cost of funding earning assets | 0.3763% | 4,021 |
| Net interest margin | 4.4017% | 681 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.6815% | 4,211 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 2.4688% | 251 |
| Return on assets (ROA) | 2.4688% | 248 |
| Pretax return on assets | 2.4688% | 371 |
| Return on Equity (ROE) | 23.5100% | 479 |
| Retained earnings to average equity (ytd only) | -15.7757% | 4,559 |
| Net charge-offs to loans | 0.0382% | 978 |
| Credit loss provision to net charge-offs | 625.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 104.2500% | 769 |
| Efficiency ratio | 39.0351% | 4,468 |
| Assets per employee ($millions) | 7.8484% | 1,437 |
| Cash dividends to net income (ytd only)* | 167.0918% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 411 |
| Loan loss allowance to noncurrent loans | 46.6178% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.8254% | 62 |
| Noncurrent loans to loans | 4.3544% | 76 |
| Net loans and leases to total assets | 63.5700% | 2,287 |
| Net loans and leases to deposits | 71.0322% | 2,539 |
| Net loans and leases to core deposits | 72.1663% | 2,807 |
| Total domestic deposits to total assets | 89.4900% | 1,345 |
| Equity capital to assets | 10.4767% | 1,575 |
| Core capital (leverage) ratio | 10.4841% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $63,513,000 | 4,270 |
| Average earning assets | $59,522,000 | 4,242 |
| Average equity | $6,668,500 | 4,163 |
| Average total loans | $41,922,500 | 4,036 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 1,326 |
| Cost of funding earning assets | 0.1441% | 4,154 |
| Net interest margin | 4.0181% | 768 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.7406% | 4,103 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.9849% | 307 |
| Return on assets (ROA) | 1.9849% | 293 |
| Pretax return on assets | 1.9849% | 491 |
| Return on Equity (ROE) | 18.4600% | 637 |
| Retained earnings to average equity (ytd only) | 3.3639% | 3,604 |
| Net charge-offs to loans | 0.2132% | 385 |
| Credit loss provision to net charge-offs | 205.8824% | 1,101 |
| Earnings coverage of net charge-offs (x) | 16.5882% | 1,975 |
| Efficiency ratio | 43.4416% | 4,443 |
| Assets per employee ($millions) | 8.0299% | 1,304 |
| Cash dividends to net income (ytd only)* | 81.7814% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 571 |
| Loan loss allowance to noncurrent loans | 45.4340% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.7616% | 62 |
| Noncurrent loans to loans | 4.1155% | 86 |
| Net loans and leases to total assets | 65.8500% | 2,058 |
| Net loans and leases to deposits | 73.6006% | 2,283 |
| Net loans and leases to core deposits | 74.7491% | 2,517 |
| Total domestic deposits to total assets | 89.4600% | 1,578 |
| Equity capital to assets | 10.5216% | 1,443 |
| Core capital (leverage) ratio | 10.9437% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,220,600 | 4,319 |
| Average earning assets | $58,311,600 | 4,287 |
| Average equity | $6,688,600 | 4,250 |
| Average total loans | $39,864,000 | 4,067 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 2,271 |
| Cost of funding earning assets | 0.1245% | 4,086 |
| Net interest margin | 3.4999% | 1,662 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 1.6484% | 4,242 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 2.0956% | 249 |
| Return on assets (ROA) | 2.0956% | 249 |
| Pretax return on assets | 2.0956% | 386 |
| Return on Equity (ROE) | 19.3900% | 491 |
| Retained earnings to average equity (ytd only) | 1.5989% | 4,121 |
| Net charge-offs to loans | 0.1946% | 339 |
| Credit loss provision to net charge-offs | 219.2982% | 941 |
| Earnings coverage of net charge-offs (x) | 19.2105% | 1,732 |
| Efficiency ratio | 41.0657% | 4,549 |
| Assets per employee ($millions) | 7.9183% | 1,367 |
| Cash dividends to net income (ytd only)* | 91.7526% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 578 |
| Loan loss allowance to noncurrent loans | 157.1142% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 635 |
| Noncurrent loans to loans | 1.2199% | 602 |
| Net loans and leases to total assets | 63.3400% | 2,157 |
| Net loans and leases to deposits | 70.5486% | 2,318 |
| Net loans and leases to core deposits | 71.5169% | 2,527 |
| Total domestic deposits to total assets | 89.7800% | 1,751 |
| Equity capital to assets | 10.2137% | 1,515 |
| Core capital (leverage) ratio | 10.8678% | 1,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $61,716,000 | 4,357 |
| Average earning assets | $57,828,250 | 4,322 |
| Average equity | $6,671,000 | 4,293 |
| Average total loans | $39,053,750 | 4,100 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 2,556 |
| Cost of funding earning assets | 0.1254% | 3,908 |
| Net interest margin | 3.2296% | 2,108 |
| Noninterest income to average assets | 1.0070% | 652 |
| Noninterest expense to average assets | 1.6772% | 4,171 |
| Loan and lease loss provision to assets | 0.1635% | 566 |
| Net operating income to assets | 2.1971% | 161 |
| Return on assets (ROA) | 2.1971% | 161 |
| Pretax return on assets | 2.1971% | 252 |
| Return on Equity (ROE) | 19.9466% | 309 |
| Retained earnings to average equity (ytd only) | -2.9089% | 4,450 |
| Net charge-offs to loans | 0.0104% | 1,595 |
| Credit loss provision to net charge-offs | 2,500.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 350 |
| Efficiency ratio | 41.5385% | 4,581 |
| Assets per employee ($millions) | 7.7114% | 1,471 |
| Cash dividends to net income (ytd only)* | 114.5833% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 595 |
| Loan loss allowance to noncurrent loans | 152.1912% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 640 |
| Noncurrent loans to loans | 1.2914% | 610 |
| Net loans and leases to total assets | 61.7756% | 2,145 |
| Net loans and leases to deposits | 69.2594% | 2,278 |
| Net loans and leases to core deposits | 70.2890% | 2,473 |
| Total domestic deposits to total assets | 89.1945% | 2,089 |
| Equity capital to assets | 10.7925% | 1,315 |
| Core capital (leverage) ratio | 10.9948% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,172,667 | 4,401 |
| Average earning assets | $57,407,333 | 4,384 |
| Average equity | $6,738,000 | 4,346 |
| Average total loans | $38,436,667 | 4,165 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 2,735 |
| Cost of funding earning assets | 0.1262% | 3,819 |
| Net interest margin | 3.0574% | 2,305 |
| Noninterest income to average assets | 1.3593% | 401 |
| Noninterest expense to average assets | 1.6351% | 4,243 |
| Loan and lease loss provision to assets | 0.1642% | 479 |
| Net operating income to assets | 2.4231% | 130 |
| Return on assets (ROA) | 2.4231% | 128 |
| Pretax return on assets | 2.4231% | 202 |
| Return on Equity (ROE) | 21.7763% | 165 |
| Retained earnings to average equity (ytd only) | -15.1077% | 4,642 |
| Net charge-offs to loans | 0.0105% | 1,372 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 394.0000% | 259 |
| Efficiency ratio | 38.7247% | 4,666 |
| Assets per employee ($millions) | 7.7496% | 1,525 |
| Cash dividends to net income (ytd only)* | 169.3767% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 613 |
| Loan loss allowance to noncurrent loans | 147.4104% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 679 |
| Noncurrent loans to loans | 1.3566% | 640 |
| Net loans and leases to total assets | 58.4915% | 2,248 |
| Net loans and leases to deposits | 65.5276% | 2,376 |
| Net loans and leases to core deposits | 66.5657% | 2,575 |
| Total domestic deposits to total assets | 89.2624% | 1,946 |
| Equity capital to assets | 10.6054% | 1,544 |
| Core capital (leverage) ratio | 10.6417% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,913,500 | 4,427 |
| Average earning assets | $57,042,000 | 4,412 |
| Average equity | $6,778,000 | 4,385 |
| Average total loans | $38,218,000 | 4,185 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 2,906 |
| Cost of funding earning assets | 0.1612% | 3,857 |
| Net interest margin | 3.2484% | 2,468 |
| Noninterest income to average assets | 0.7427% | 1,616 |
| Noninterest expense to average assets | 1.8052% | 4,136 |
| Loan and lease loss provision to assets | 0.3058% | 263 |
| Net operating income to assets | 1.6601% | 691 |
| Return on assets (ROA) | 1.6601% | 724 |
| Pretax return on assets | 1.6601% | 1,242 |
| Return on Equity (ROE) | 13.9587% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.2775% | 3,899 |
| Net charge-offs to loans | 0.5189% | 157 |
| Credit loss provision to net charge-offs | 87.5000% | 1,899 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 2,434 |
| Efficiency ratio | 47.8684% | 4,414 |
| Assets per employee ($millions) | 7.4788% | 1,632 |
| Cash dividends to net income (ytd only)* | 83.6842% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 837 |
| Loan loss allowance to noncurrent loans | 141.7822% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 697 |
| Noncurrent loans to loans | 1.2807% | 745 |
| Net loans and leases to total assets | 64.7117% | 1,621 |
| Net loans and leases to deposits | 73.6261% | 1,755 |
| Net loans and leases to core deposits | 74.9269% | 2,003 |
| Total domestic deposits to total assets | 87.8924% | 2,106 |
| Equity capital to assets | 11.6681% | 1,412 |
| Core capital (leverage) ratio | 11.3770% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,223,800 | 4,485 |
| Average earning assets | $53,348,800 | 4,472 |
| Average equity | $6,805,800 | 4,444 |
| Average total loans | $38,542,800 | 4,222 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 2,973 |
| Cost of funding earning assets | 0.1691% | 3,931 |
| Net interest margin | 3.2767% | 2,489 |
| Noninterest income to average assets | 0.7094% | 1,795 |
| Noninterest expense to average assets | 1.7723% | 4,217 |
| Loan and lease loss provision to assets | 0.1768% | 604 |
| Net operating income to assets | 1.8195% | 641 |
| Return on assets (ROA) | 1.8195% | 668 |
| Pretax return on assets | 1.8195% | 1,116 |
| Return on Equity (ROE) | 15.2219% | 1,105 |
| Retained earnings to average equity (ytd only) | 2.1098% | 4,163 |
| Net charge-offs to loans | 0.0870% | 820 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 33.8800% | 1,458 |
| Efficiency ratio | 47.0294% | 4,443 |
| Assets per employee ($millions) | 7.2253% | 1,723 |
| Cash dividends to net income (ytd only)* | 86.1399% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 552 |
| Loan loss allowance to noncurrent loans | 138.2867% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9896% | 672 |
| Noncurrent loans to loans | 1.5066% | 698 |
| Net loans and leases to total assets | 64.3161% | 1,730 |
| Net loans and leases to deposits | 73.6144% | 1,897 |
| Net loans and leases to core deposits | 74.8746% | 2,154 |
| Total domestic deposits to total assets | 87.3689% | 2,175 |
| Equity capital to assets | 12.0203% | 1,391 |
| Core capital (leverage) ratio | 11.8835% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0970% | 1,591 |
| Memoranda: | ||
| Average total assets | $56,572,250 | 4,548 |
| Average earning assets | $52,816,000 | 4,540 |
| Average equity | $6,762,000 | 4,512 |
| Average total loans | $38,320,250 | 4,286 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 2,937 |
| Cost of funding earning assets | 0.1796% | 3,952 |
| Net interest margin | 3.3010% | 2,433 |
| Noninterest income to average assets | 0.5662% | 2,351 |
| Noninterest expense to average assets | 1.7841% | 4,218 |
| Loan and lease loss provision to assets | 0.2671% | 356 |
| Net operating income to assets | 1.5918% | 1,065 |
| Return on assets (ROA) | 1.5918% | 1,119 |
| Pretax return on assets | 1.5918% | 1,754 |
| Return on Equity (ROE) | 13.3433% | 1,611 |
| Retained earnings to average equity (ytd only) | -3.6716% | 4,744 |
| Net charge-offs to loans | 0.1405% | 571 |
| Credit loss provision to net charge-offs | 277.7778% | 926 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,546 |
| Efficiency ratio | 48.9736% | 4,326 |
| Assets per employee ($millions) | 6.2046% | 2,426 |
| Cash dividends to net income (ytd only)* | 127.5168% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 535 |
| Loan loss allowance to noncurrent loans | 140.1421% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 744 |
| Noncurrent loans to loans | 1.4757% | 772 |
| Net loans and leases to total assets | 66.9096% | 1,597 |
| Net loans and leases to deposits | 76.7633% | 1,745 |
| Net loans and leases to core deposits | 78.5432% | 2,000 |
| Total domestic deposits to total assets | 87.1636% | 2,234 |
| Equity capital to assets | 12.0163% | 1,355 |
| Core capital (leverage) ratio | 11.3912% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,162,333 | 4,584 |
| Average earning assets | $52,348,000 | 4,568 |
| Average equity | $6,700,000 | 4,544 |
| Average total loans | $38,438,000 | 4,316 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 2,906 |
| Cost of funding earning assets | 0.1906% | 4,002 |
| Net interest margin | 3.3160% | 2,342 |
| Noninterest income to average assets | 0.3977% | 3,104 |
| Noninterest expense to average assets | 1.7116% | 4,357 |
| Loan and lease loss provision to assets | 0.3551% | 234 |
| Net operating income to assets | 1.4204% | 1,522 |
| Return on assets (ROA) | 1.4204% | 1,595 |
| Pretax return on assets | 1.4204% | 2,225 |
| Return on Equity (ROE) | 11.9492% | 2,039 |
| Retained earnings to average equity (ytd only) | -17.3264% | 4,897 |
| Net charge-offs to loans | 0.1763% | 449 |
| Credit loss provision to net charge-offs | 294.1176% | 769 |
| Earnings coverage of net charge-offs (x) | 14.7059% | 1,357 |
| Efficiency ratio | 49.0835% | 4,258 |
| Assets per employee ($millions) | 6.4173% | 2,241 |
| Cash dividends to net income (ytd only)* | 245.0000% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 614 |
| Loan loss allowance to noncurrent loans | 134.3750% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 829 |
| Noncurrent loans to loans | 1.4768% | 850 |
| Net loans and leases to total assets | 66.1923% | 1,775 |
| Net loans and leases to deposits | 75.2011% | 1,994 |
| Net loans and leases to core deposits | 76.8689% | 2,279 |
| Total domestic deposits to total assets | 88.0203% | 1,832 |
| Equity capital to assets | 11.3079% | 1,656 |
| Core capital (leverage) ratio | 11.2813% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1121% | 1,868 |
| Memoranda: | ||
| Average total assets | $56,323,000 | 4,600 |
| Average earning assets | $52,472,500 | 4,586 |
| Average equity | $6,695,000 | 4,555 |
| Average total loans | $38,581,000 | 4,330 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 1,844 |
| Cost of funding earning assets | 0.3856% | 3,672 |
| Net interest margin | 3.9238% | 1,151 |
| Noninterest income to average assets | 0.3129% | 3,597 |
| Noninterest expense to average assets | 2.0710% | 3,996 |
| Loan and lease loss provision to assets | 0.2151% | 1,826 |
| Net operating income to assets | 1.6681% | 544 |
| Return on assets (ROA) | 1.6681% | 588 |
| Pretax return on assets | 1.6681% | 912 |
| Return on Equity (ROE) | 12.7287% | 1,112 |
| Retained earnings to average equity (ytd only) | 0.5670% | 4,356 |
| Net charge-offs to loans | 0.1484% | 1,101 |
| Credit loss provision to net charge-offs | 196.4286% | 2,178 |
| Earnings coverage of net charge-offs (x) | 17.1964% | 2,086 |
| Efficiency ratio | 52.3739% | 4,360 |
| Assets per employee ($millions) | 5.4890% | 2,854 |
| Cash dividends to net income (ytd only)* | 95.5451% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 655 |
| Loan loss allowance to noncurrent loans | 125.3807% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 855 |
| Noncurrent loans to loans | 1.5488% | 855 |
| Net loans and leases to total assets | 68.1672% | 1,806 |
| Net loans and leases to deposits | 78.0806% | 2,062 |
| Net loans and leases to core deposits | 79.1576% | 2,437 |
| Total domestic deposits to total assets | 87.3037% | 1,793 |
| Equity capital to assets | 12.4959% | 1,325 |
| Core capital (leverage) ratio | 12.1694% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,135,000 | 4,635 |
| Average earning assets | $47,453,400 | 4,627 |
| Average equity | $6,701,400 | 4,560 |
| Average total loans | $37,730,000 | 4,359 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,782 |
| Cost of funding earning assets | 0.4232% | 3,682 |
| Net interest margin | 4.0033% | 1,110 |
| Noninterest income to average assets | 0.5233% | 2,510 |
| Noninterest expense to average assets | 1.9895% | 4,165 |
| Loan and lease loss provision to assets | 0.2650% | 1,536 |
| Net operating income to assets | 1.9868% | 305 |
| Return on assets (ROA) | 1.9868% | 332 |
| Pretax return on assets | 1.9868% | 530 |
| Return on Equity (ROE) | 14.9701% | 692 |
| Retained earnings to average equity (ytd only) | 0.6604% | 4,347 |
| Net charge-offs to loans | 0.0177% | 2,507 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 169.6000% | 550 |
| Efficiency ratio | 46.9004% | 4,668 |
| Assets per employee ($millions) | 5.2921% | 2,903 |
| Cash dividends to net income (ytd only)* | 95.5882% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 575 |
| Loan loss allowance to noncurrent loans | 117.4174% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 766 |
| Noncurrent loans to loans | 1.6259% | 863 |
| Net loans and leases to total assets | 75.9245% | 1,106 |
| Net loans and leases to deposits | 87.2473% | 1,563 |
| Net loans and leases to core deposits | 89.3942% | 2,027 |
| Total domestic deposits to total assets | 87.0222% | 1,663 |
| Equity capital to assets | 12.9268% | 1,215 |
| Core capital (leverage) ratio | 12.7907% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5020% | 1,656 |
| Memoranda: | ||
| Average total assets | $50,196,250 | 4,669 |
| Average earning assets | $46,626,500 | 4,656 |
| Average equity | $6,662,000 | 4,585 |
| Average total loans | $37,623,000 | 4,382 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,969 |
| Cost of funding earning assets | 0.4811% | 3,648 |
| Net interest margin | 4.0020% | 1,316 |
| Noninterest income to average assets | 0.6736% | 1,839 |
| Noninterest expense to average assets | 2.0411% | 4,148 |
| Loan and lease loss provision to assets | 0.3043% | 1,415 |
| Net operating income to assets | 2.0411% | 304 |
| Return on assets (ROA) | 2.0411% | 338 |
| Pretax return on assets | 2.0411% | 503 |
| Return on Equity (ROE) | 15.2370% | 676 |
| Retained earnings to average equity (ytd only) | -2.4840% | 4,619 |
| Net charge-offs to loans | 0.0110% | 2,559 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 326 |
| Efficiency ratio | 46.5310% | 4,699 |
| Assets per employee ($millions) | 5.1307% | 3,026 |
| Cash dividends to net income (ytd only)* | 116.3022% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 553 |
| Loan loss allowance to noncurrent loans | 114.1141% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 805 |
| Noncurrent loans to loans | 1.6479% | 888 |
| Net loans and leases to total assets | 77.2896% | 954 |
| Net loans and leases to deposits | 89.0044% | 1,448 |
| Net loans and leases to core deposits | 90.7354% | 2,013 |
| Total domestic deposits to total assets | 86.8381% | 1,689 |
| Equity capital to assets | 13.0918% | 1,129 |
| Core capital (leverage) ratio | 12.0304% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,288,000 | 4,699 |
| Average earning assets | $45,727,667 | 4,690 |
| Average equity | $6,602,333 | 4,617 |
| Average total loans | $36,510,000 | 4,417 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,895 |
| Cost of funding earning assets | 0.5200% | 3,847 |
| Net interest margin | 4.1148% | 1,104 |
| Noninterest income to average assets | 0.2237% | 4,212 |
| Noninterest expense to average assets | 2.0962% | 4,223 |
| Loan and lease loss provision to assets | 0.4143% | 734 |
| Net operating income to assets | 1.5162% | 751 |
| Return on assets (ROA) | 1.5162% | 820 |
| Pretax return on assets | 1.5162% | 1,264 |
| Return on Equity (ROE) | 11.1841% | 1,361 |
| Retained earnings to average equity (ytd only) | -20.2903% | 4,969 |
| Net charge-offs to loans | 0.0116% | 2,171 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 233.0000% | 299 |
| Efficiency ratio | 52.0576% | 4,546 |
| Assets per employee ($millions) | 5.0731% | 2,567 |
| Cash dividends to net income (ytd only)* | 281.4208% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 392 |
| Loan loss allowance to noncurrent loans | 112.7106% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.2872% | 914 |
| Noncurrent loans to loans | 1.9314% | 751 |
| Net loans and leases to total assets | 65.1929% | 2,910 |
| Net loans and leases to deposits | 74.6215% | 3,206 |
| Net loans and leases to core deposits | 80.0741% | 3,189 |
| Total domestic deposits to total assets | 87.3647% | 1,395 |
| Equity capital to assets | 12.5919% | 1,679 |
| Core capital (leverage) ratio | 13.7196% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8629% | 1,382 |
| Memoranda: | ||
| Average total assets | $48,278,500 | 4,739 |
| Average earning assets | $44,619,000 | 4,731 |
| Average equity | $6,545,000 | 4,659 |
| Average total loans | $34,557,500 | 4,485 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 1,057 |
| Cost of funding earning assets | 0.5724% | 3,758 |
| Net interest margin | 4.6010% | 570 |
| Noninterest income to average assets | 0.3072% | 3,849 |
| Noninterest expense to average assets | 2.2760% | 4,005 |
| Loan and lease loss provision to assets | 0.3867% | 377 |
| Net operating income to assets | 1.8716% | 458 |
| Return on assets (ROA) | 1.8716% | 480 |
| Pretax return on assets | 1.8716% | 791 |
| Return on Equity (ROE) | 13.0272% | 1,159 |
| Retained earnings to average equity (ytd only) | 0.8767% | 4,423 |
| Net charge-offs to loans | 0.4777% | 395 |
| Credit loss provision to net charge-offs | 103.5503% | 2,393 |
| Earnings coverage of net charge-offs (x) | 6.0473% | 3,015 |
| Efficiency ratio | 50.1949% | 4,722 |
| Assets per employee ($millions) | 4.5826% | 3,101 |
| Cash dividends to net income (ytd only)* | 93.2704% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 504 |
| Loan loss allowance to noncurrent loans | 105.8552% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 736 |
| Noncurrent loans to loans | 1.8382% | 728 |
| Net loans and leases to total assets | 75.5445% | 1,496 |
| Net loans and leases to deposits | 88.5532% | 1,762 |
| Net loans and leases to core deposits | 96.0945% | 1,893 |
| Total domestic deposits to total assets | 85.3096% | 2,380 |
| Equity capital to assets | 14.6249% | 893 |
| Core capital (leverage) ratio | 14.2111% | 875 |
| Tier 1 risk-based capital ratio | 16.1994% | 2,328 |
| Total risk-based capital ratio | 17.4530% | 2,276 |
| Memoranda: | ||
| Average total assets | $45,254,400 | 4,828 |
| Average earning assets | $41,578,200 | 4,822 |
| Average equity | $6,501,800 | 4,695 |
| Average total loans | $35,377,800 | 4,521 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2359% | 968 |
| Cost of funding earning assets | 0.5496% | 3,928 |
| Net interest margin | 4.6863% | 510 |
| Noninterest income to average assets | 0.3192% | 3,836 |
| Noninterest expense to average assets | 2.2314% | 4,118 |
| Loan and lease loss provision to assets | 0.3694% | 358 |
| Net operating income to assets | 2.0275% | 378 |
| Return on assets (ROA) | 2.0275% | 391 |
| Pretax return on assets | 2.0275% | 651 |
| Return on Equity (ROE) | 14.1766% | 946 |
| Retained earnings to average equity (ytd only) | -0.0826% | 4,767 |
| Net charge-offs to loans | 0.2448% | 725 |
| Credit loss provision to net charge-offs | 192.3077% | 1,360 |
| Earnings coverage of net charge-offs (x) | 12.4776% | 2,355 |
| Efficiency ratio | 48.2120% | 4,842 |
| Assets per employee ($millions) | 4.6273% | 3,006 |
| Cash dividends to net income (ytd only)* | 100.5838% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 415 |
| Loan loss allowance to noncurrent loans | 135.9633% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 1,086 |
| Noncurrent loans to loans | 1.5154% | 996 |
| Net loans and leases to total assets | 76.1178% | 1,458 |
| Net loans and leases to deposits | 88.9737% | 1,819 |
| Net loans and leases to core deposits | 101.8890% | 1,511 |
| Total domestic deposits to total assets | 85.5510% | 2,185 |
| Equity capital to assets | 14.3626% | 1,018 |
| Core capital (leverage) ratio | 14.2951% | 907 |
| Tier 1 risk-based capital ratio | 15.8695% | 2,487 |
| Total risk-based capital ratio | 17.1240% | 2,419 |
| Memoranda: | ||
| Average total assets | $45,111,500 | 4,899 |
| Average earning assets | $41,481,750 | 4,893 |
| Average equity | $6,451,750 | 4,763 |
| Average total loans | $35,395,750 | 4,581 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 854 |
| Cost of funding earning assets | 0.4963% | 4,130 |
| Net interest margin | 4.7786% | 424 |
| Noninterest income to average assets | 0.3130% | 3,837 |
| Noninterest expense to average assets | 2.3030% | 3,996 |
| Loan and lease loss provision to assets | 0.4472% | 270 |
| Net operating income to assets | 1.9542% | 419 |
| Return on assets (ROA) | 1.9542% | 442 |
| Pretax return on assets | 1.9542% | 748 |
| Return on Equity (ROE) | 13.6840% | 1,057 |
| Retained earnings to average equity (ytd only) | -5.4173% | 5,074 |
| Net charge-offs to loans | -0.0057% | 4,166 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9544% | 4,845 |
| Assets per employee ($millions) | 4.4447% | 3,227 |
| Cash dividends to net income (ytd only)* | 139.5881% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 354 |
| Loan loss allowance to noncurrent loans | 126.1290% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 861 |
| Noncurrent loans to loans | 1.7101% | 893 |
| Net loans and leases to total assets | 79.8119% | 910 |
| Net loans and leases to deposits | 93.6484% | 1,292 |
| Net loans and leases to core deposits | 104.7605% | 1,318 |
| Total domestic deposits to total assets | 85.2251% | 2,377 |
| Equity capital to assets | 14.4802% | 954 |
| Core capital (leverage) ratio | 14.5743% | 806 |
| Tier 1 risk-based capital ratio | 16.3734% | 2,281 |
| Total risk-based capital ratio | 17.6327% | 2,218 |
| Memoranda: | ||
| Average total assets | $44,724,330 | 4,944 |
| Average earning assets | $41,100,330 | 4,942 |
| Average equity | $6,387,000 | 4,797 |
| Average total loans | $35,206,670 | 4,620 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 690 |
| Cost of funding earning assets | 0.4577% | 4,252 |
| Net interest margin | 4.8982% | 337 |
| Noninterest income to average assets | 0.3210% | 3,712 |
| Noninterest expense to average assets | 2.2558% | 4,134 |
| Loan and lease loss provision to assets | 0.4458% | 244 |
| Net operating income to assets | 2.1042% | 318 |
| Return on assets (ROA) | 2.1042% | 333 |
| Pretax return on assets | 2.1042% | 520 |
| Return on Equity (ROE) | 14.8369% | 784 |
| Retained earnings to average equity (ytd only) | -17.8546% | 5,238 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9388% | 4,985 |
| Assets per employee ($millions) | 4.8492% | 2,712 |
| Cash dividends to net income (ytd only)* | 220.3390% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1604% | 377 |
| Loan loss allowance to noncurrent loans | 120.8264% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 911 |
| Noncurrent loans to loans | 1.7880% | 866 |
| Net loans and leases to total assets | 75.8541% | 1,513 |
| Net loans and leases to deposits | 88.5966% | 1,792 |
| Net loans and leases to core deposits | 96.3812% | 1,904 |
| Total domestic deposits to total assets | 85.6174% | 2,437 |
| Equity capital to assets | 14.3414% | 928 |
| Core capital (leverage) ratio | 14.0170% | 952 |
| Tier 1 risk-based capital ratio | 16.0691% | 2,406 |
| Total risk-based capital ratio | 17.3266% | 2,349 |
| Memoranda: | ||
| Average total assets | $44,863,000 | 4,994 |
| Average earning assets | $41,076,500 | 4,989 |
| Average equity | $6,362,500 | 4,833 |
| Average total loans | $34,682,000 | 4,682 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 1,682 |
| Cost of funding earning assets | 0.3688% | 4,169 |
| Net interest margin | 4.3796% | 986 |
| Noninterest income to average assets | 0.3291% | 3,903 |
| Noninterest expense to average assets | 2.1771% | 4,394 |
| Loan and lease loss provision to assets | 0.3336% | 468 |
| Net operating income to assets | 1.8591% | 495 |
| Return on assets (ROA) | 1.8279% | 516 |
| Pretax return on assets | 1.8279% | 855 |
| Return on Equity (ROE) | 13.0796% | 1,310 |
| Retained earnings to average equity (ytd only) | 1.8617% | 4,404 |
| Net charge-offs to loans | 0.0651% | 2,194 |
| Credit loss provision to net charge-offs | 681.8182% | 508 |
| Earnings coverage of net charge-offs (x) | 44.8182% | 1,213 |
| Efficiency ratio | 49.8219% | 4,952 |
| Assets per employee ($millions) | 5.1203% | 2,360 |
| Cash dividends to net income (ytd only)* | 85.7664% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 552 |
| Loan loss allowance to noncurrent loans | 112.7483% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5581% | 738 |
| Noncurrent loans to loans | 1.7001% | 849 |
| Net loans and leases to total assets | 75.6179% | 1,672 |
| Net loans and leases to deposits | 87.9953% | 2,041 |
| Net loans and leases to core deposits | 94.0972% | 2,221 |
| Total domestic deposits to total assets | 85.9341% | 2,265 |
| Equity capital to assets | 14.0312% | 964 |
| Core capital (leverage) ratio | 13.8580% | 964 |
| Tier 1 risk-based capital ratio | 15.8306% | 2,481 |
| Total risk-based capital ratio | 17.0835% | 2,403 |
| Memoranda: | ||
| Average total assets | $44,968,800 | 5,032 |
| Average earning assets | $41,487,600 | 5,026 |
| Average equity | $6,284,600 | 4,853 |
| Average total loans | $33,813,400 | 4,723 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,852 |
| Cost of funding earning assets | 0.3544% | 4,155 |
| Net interest margin | 4.2916% | 1,128 |
| Noninterest income to average assets | 0.3073% | 4,090 |
| Noninterest expense to average assets | 2.2137% | 4,290 |
| Loan and lease loss provision to assets | 0.1492% | 1,322 |
| Net operating income to assets | 1.9183% | 463 |
| Return on assets (ROA) | 1.9183% | 462 |
| Pretax return on assets | 1.9183% | 788 |
| Return on Equity (ROE) | 13.7406% | 1,188 |
| Retained earnings to average equity (ytd only) | 0.9189% | 4,878 |
| Net charge-offs to loans | -0.2436% | 5,331 |
| Credit loss provision to net charge-offs | -81.9672% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7073% | 4,839 |
| Assets per employee ($millions) | 5.2284% | 2,198 |
| Cash dividends to net income (ytd only)* | 93.3128% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 584 |
| Loan loss allowance to noncurrent loans | 103.4268% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6066% | 779 |
| Noncurrent loans to loans | 1.8423% | 829 |
| Net loans and leases to total assets | 72.6432% | 2,227 |
| Net loans and leases to deposits | 83.9980% | 2,598 |
| Net loans and leases to core deposits | 93.0732% | 2,387 |
| Total domestic deposits to total assets | 86.4821% | 1,975 |
| Equity capital to assets | 13.4351% | 1,161 |
| Core capital (leverage) ratio | 14.0745% | 917 |
| Tier 1 risk-based capital ratio | 15.7074% | 2,564 |
| Total risk-based capital ratio | 16.9598% | 2,495 |
| Memoranda: | ||
| Average total assets | $44,690,250 | 5,097 |
| Average earning assets | $41,382,500 | 5,088 |
| Average equity | $6,239,250 | 4,912 |
| Average total loans | $33,384,750 | 4,785 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,822 |
| Cost of funding earning assets | 0.3100% | 4,352 |
| Net interest margin | 4.2753% | 1,093 |
| Noninterest income to average assets | 0.3417% | 3,894 |
| Noninterest expense to average assets | 2.3416% | 4,042 |
| Loan and lease loss provision to assets | 0.2278% | 710 |
| Net operating income to assets | 1.7311% | 679 |
| Return on assets (ROA) | 1.7311% | 680 |
| Pretax return on assets | 1.7311% | 1,137 |
| Return on Equity (ROE) | 12.2350% | 1,646 |
| Retained earnings to average equity (ytd only) | -4.6686% | 5,276 |
| Net charge-offs to loans | -0.4742% | 5,431 |
| Credit loss provision to net charge-offs | -64.1026% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4492% | 4,643 |
| Assets per employee ($millions) | 4.4317% | 3,234 |
| Cash dividends to net income (ytd only)* | 138.1579% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0109% | 511 |
| Loan loss allowance to noncurrent loans | 91.6555% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 736 |
| Noncurrent loans to loans | 2.1939% | 636 |
| Net loans and leases to total assets | 74.8810% | 1,809 |
| Net loans and leases to deposits | 87.0883% | 2,209 |
| Net loans and leases to core deposits | 100.6552% | 1,680 |
| Total domestic deposits to total assets | 85.9828% | 2,291 |
| Equity capital to assets | 13.9472% | 945 |
| Core capital (leverage) ratio | 14.3192% | 824 |
| Tier 1 risk-based capital ratio | 15.7719% | 2,526 |
| Total risk-based capital ratio | 17.0270% | 2,468 |
| Memoranda: | ||
| Average total assets | $43,901,670 | 5,169 |
| Average earning assets | $40,651,670 | 5,159 |
| Average equity | $6,211,670 | 4,972 |
| Average total loans | $32,897,330 | 4,841 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 1,359 |
| Cost of funding earning assets | 0.2274% | 4,848 |
| Net interest margin | 4.4498% | 685 |
| Noninterest income to average assets | 0.3296% | 3,948 |
| Noninterest expense to average assets | 2.1788% | 4,463 |
| Loan and lease loss provision to assets | 0.4577% | 233 |
| Net operating income to assets | 1.8126% | 550 |
| Return on assets (ROA) | 1.8126% | 555 |
| Pretax return on assets | 1.8126% | 888 |
| Return on Equity (ROE) | 12.7188% | 1,344 |
| Retained earnings to average equity (ytd only) | -16.1876% | 5,470 |
| Net charge-offs to loans | 0.3209% | 475 |
| Credit loss provision to net charge-offs | 192.3077% | 1,067 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 1,958 |
| Efficiency ratio | 48.9712% | 5,143 |
| Assets per employee ($millions) | 3.8889% | 4,165 |
| Cash dividends to net income (ytd only)* | 227.2727% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 816 |
| Loan loss allowance to noncurrent loans | 76.7287% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 705 |
| Noncurrent loans to loans | 2.3223% | 615 |
| Net loans and leases to total assets | 74.3466% | 1,804 |
| Net loans and leases to deposits | 87.1414% | 2,034 |
| Net loans and leases to core deposits | 89.0943% | 2,529 |
| Total domestic deposits to total assets | 85.3172% | 2,823 |
| Equity capital to assets | 14.1755% | 844 |
| Core capital (leverage) ratio | 14.0048% | 876 |
| Tier 1 risk-based capital ratio | 16.3010% | 2,356 |
| Total risk-based capital ratio | 17.5521% | 2,303 |
| Memoranda: | ||
| Average total assets | $43,694,000 | 5,230 |
| Average earning assets | $40,451,500 | 5,218 |
| Average equity | $6,227,000 | 5,021 |
| Average total loans | $32,413,000 | 4,908 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,470 |
| Cost of funding earning assets | 0.1367% | 5,330 |
| Net interest margin | 4.1211% | 1,369 |
| Noninterest income to average assets | 0.2629% | 4,563 |
| Noninterest expense to average assets | 2.1055% | 4,747 |
| Loan and lease loss provision to assets | 0.4346% | 323 |
| Net operating income to assets | 1.5884% | 667 |
| Return on assets (ROA) | 1.5775% | 694 |
| Pretax return on assets | 1.5775% | 1,358 |
| Return on Equity (ROE) | 11.5407% | 1,332 |
| Retained earnings to average equity (ytd only) | 2.0029% | 4,121 |
| Net charge-offs to loans | 0.3402% | 749 |
| Credit loss provision to net charge-offs | 192.3077% | 1,414 |
| Earnings coverage of net charge-offs (x) | 8.9519% | 2,847 |
| Efficiency ratio | 51.0000% | 5,169 |
| Assets per employee ($millions) | 4.0555% | 3,876 |
| Cash dividends to net income (ytd only)* | 82.6446% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 943 |
| Loan loss allowance to noncurrent loans | 184.9498% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 2,301 |
| Noncurrent loans to loans | 0.9216% | 1,941 |
| Net loans and leases to total assets | 71.4907% | 2,295 |
| Net loans and leases to deposits | 83.4651% | 2,557 |
| Net loans and leases to core deposits | 84.3481% | 3,033 |
| Total domestic deposits to total assets | 85.6534% | 2,594 |
| Equity capital to assets | 14.3241% | 829 |
| Core capital (leverage) ratio | 13.7531% | 899 |
| Tier 1 risk-based capital ratio | 16.7747% | 2,168 |
| Total risk-based capital ratio | 18.0248% | 2,114 |
| Memoranda: | ||
| Average total assets | $46,022,000 | 5,231 |
| Average earning assets | $43,168,000 | 5,205 |
| Average equity | $6,290,800 | 5,059 |
| Average total loans | $30,569,000 | 5,011 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 2,701 |
| Cost of funding earning assets | 0.1343% | 5,406 |
| Net interest margin | 4.0408% | 1,569 |
| Noninterest income to average assets | 0.2703% | 4,573 |
| Noninterest expense to average assets | 2.0959% | 4,744 |
| Loan and lease loss provision to assets | 0.2156% | 868 |
| Net operating income to assets | 1.7653% | 502 |
| Return on assets (ROA) | 1.7509% | 535 |
| Pretax return on assets | 1.7509% | 1,001 |
| Return on Equity (ROE) | 12.9585% | 1,068 |
| Retained earnings to average equity (ytd only) | 2.1066% | 4,602 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4104% | 5,146 |
| Assets per employee ($millions) | 4.4757% | 3,186 |
| Cash dividends to net income (ytd only)* | 83.7434% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 1,035 |
| Loan loss allowance to noncurrent loans | 203.8314% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,935 |
| Noncurrent loans to loans | 0.8341% | 2,278 |
| Net loans and leases to total assets | 62.4805% | 3,600 |
| Net loans and leases to deposits | 71.8984% | 3,787 |
| Net loans and leases to core deposits | 74.8734% | 3,899 |
| Total domestic deposits to total assets | 86.9011% | 1,903 |
| Equity capital to assets | 13.0319% | 1,373 |
| Core capital (leverage) ratio | 13.9247% | 910 |
| Tier 1 risk-based capital ratio | 16.7577% | 2,230 |
| Total risk-based capital ratio | 18.0091% | 2,185 |
| Memoranda: | ||
| Average total assets | $46,375,000 | 5,282 |
| Average earning assets | $43,686,750 | 5,251 |
| Average equity | $6,266,000 | 5,119 |
| Average total loans | $30,100,000 | 5,077 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,647 |
| Cost of funding earning assets | 0.1304% | 5,442 |
| Net interest margin | 4.0240% | 1,537 |
| Noninterest income to average assets | 0.2554% | 4,706 |
| Noninterest expense to average assets | 2.1135% | 4,748 |
| Loan and lease loss provision to assets | 0.2202% | 803 |
| Net operating income to assets | 1.7260% | 533 |
| Return on assets (ROA) | 1.6908% | 584 |
| Pretax return on assets | 1.6908% | 1,077 |
| Return on Equity (ROE) | 12.3552% | 1,197 |
| Retained earnings to average equity (ytd only) | -1.6409% | 5,313 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0607% | 5,170 |
| Assets per employee ($millions) | 4.0865% | 3,814 |
| Cash dividends to net income (ytd only)* | 113.2813% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,198 |
| Loan loss allowance to noncurrent loans | 367.3913% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,895 |
| Noncurrent loans to loans | 0.4434% | 3,422 |
| Net loans and leases to total assets | 68.1164% | 2,799 |
| Net loans and leases to deposits | 79.2766% | 2,997 |
| Net loans and leases to core deposits | 81.3556% | 3,309 |
| Total domestic deposits to total assets | 85.9224% | 2,405 |
| Equity capital to assets | 14.0219% | 957 |
| Core capital (leverage) ratio | 14.0395% | 852 |
| Tier 1 risk-based capital ratio | 16.6101% | 2,275 |
| Total risk-based capital ratio | 17.8590% | 2,227 |
| Memoranda: | ||
| Average total assets | $45,422,330 | 5,334 |
| Average earning assets | $42,942,330 | 5,309 |
| Average equity | $6,216,000 | 5,157 |
| Average total loans | $29,702,330 | 5,124 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,112 |
| Cost of funding earning assets | 0.1278% | 5,508 |
| Net interest margin | 3.8530% | 1,948 |
| Noninterest income to average assets | 0.2365% | 4,849 |
| Noninterest expense to average assets | 2.0150% | 5,019 |
| Loan and lease loss provision to assets | 0.2190% | 728 |
| Net operating income to assets | 1.6996% | 552 |
| Return on assets (ROA) | 1.6645% | 603 |
| Pretax return on assets | 1.6645% | 1,078 |
| Return on Equity (ROE) | 12.3127% | 1,157 |
| Retained earnings to average equity (ytd only) | -11.0166% | 5,600 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2249% | 5,310 |
| Assets per employee ($millions) | 4.0497% | 3,925 |
| Cash dividends to net income (ytd only)* | 189.4737% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 1,120 |
| Loan loss allowance to noncurrent loans | 438.1818% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 4,224 |
| Noncurrent loans to loans | 0.3904% | 3,706 |
| Net loans and leases to total assets | 62.1748% | 3,512 |
| Net loans and leases to deposits | 72.0844% | 3,607 |
| Net loans and leases to core deposits | 74.5846% | 3,781 |
| Total domestic deposits to total assets | 86.2527% | 2,554 |
| Equity capital to assets | 13.7136% | 1,001 |
| Core capital (leverage) ratio | 13.6327% | 932 |
| Tier 1 risk-based capital ratio | 18.3831% | 1,768 |
| Total risk-based capital ratio | 19.6338% | 1,727 |
| Memoranda: | ||
| Average total assets | $45,658,000 | 5,392 |
| Average earning assets | $43,810,000 | 5,352 |
| Average equity | $6,172,500 | 5,209 |
| Average total loans | $28,990,500 | 5,193 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,664 |
| Cost of funding earning assets | 0.1368% | 5,508 |
| Net interest margin | 3.7384% | 2,545 |
| Noninterest income to average assets | 0.2192% | 5,099 |
| Noninterest expense to average assets | 2.1940% | 4,787 |
| Loan and lease loss provision to assets | 0.1302% | 1,917 |
| Net operating income to assets | 1.4540% | 911 |
| Return on assets (ROA) | 1.4540% | 935 |
| Pretax return on assets | 1.4540% | 1,737 |
| Return on Equity (ROE) | 10.8520% | 1,638 |
| Retained earnings to average equity (ytd only) | 1.5387% | 4,644 |
| Net charge-offs to loans | 0.2217% | 1,247 |
| Credit loss provision to net charge-offs | 92.3077% | 2,760 |
| Earnings coverage of net charge-offs (x) | 11.2308% | 2,555 |
| Efficiency ratio | 58.0701% | 4,841 |
| Assets per employee ($millions) | 4.2517% | 3,522 |
| Cash dividends to net income (ytd only)* | 85.8209% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,557 |
| Loan loss allowance to noncurrent loans | 231.9797% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,587 |
| Noncurrent loans to loans | 0.6610% | 2,873 |
| Net loans and leases to total assets | 62.7446% | 3,508 |
| Net loans and leases to deposits | 72.4157% | 3,670 |
| Net loans and leases to core deposits | 73.6886% | 3,944 |
| Total domestic deposits to total assets | 86.6450% | 2,313 |
| Equity capital to assets | 13.3336% | 1,119 |
| Core capital (leverage) ratio | 12.4399% | 1,361 |
| Tier 1 risk-based capital ratio | 17.7156% | 1,941 |
| Total risk-based capital ratio | 18.9641% | 1,903 |
| Memoranda: | ||
| Average total assets | $46,079,800 | 5,418 |
| Average earning assets | $43,869,600 | 5,378 |
| Average equity | $6,174,000 | 5,250 |
| Average total loans | $29,318,400 | 5,217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,805 |
| Cost of funding earning assets | 0.1374% | 5,566 |
| Net interest margin | 3.7006% | 2,715 |
| Noninterest income to average assets | 0.2236% | 5,133 |
| Noninterest expense to average assets | 2.1173% | 4,975 |
| Loan and lease loss provision to assets | 0.1307% | 1,793 |
| Net operating income to assets | 1.4957% | 886 |
| Return on assets (ROA) | 1.4957% | 933 |
| Pretax return on assets | 1.4957% | 1,719 |
| Return on Equity (ROE) | 11.1496% | 1,617 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,265 |
| Net charge-offs to loans | -0.0502% | 5,369 |
| Credit loss provision to net charge-offs | -409.0909% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5555% | 5,004 |
| Assets per employee ($millions) | 4.4228% | 3,208 |
| Cash dividends to net income (ytd only)* | 97.0873% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 1,241 |
| Loan loss allowance to noncurrent loans | 260.3015% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 3,792 |
| Noncurrent loans to loans | 0.6490% | 3,075 |
| Net loans and leases to total assets | 61.9638% | 3,640 |
| Net loans and leases to deposits | 71.1343% | 3,873 |
| Net loans and leases to core deposits | 75.0292% | 3,919 |
| Total domestic deposits to total assets | 87.1082% | 1,851 |
| Equity capital to assets | 12.8260% | 1,580 |
| Core capital (leverage) ratio | 13.6637% | 952 |
| Tier 1 risk-based capital ratio | 17.0686% | 2,201 |
| Total risk-based capital ratio | 18.3197% | 2,160 |
| Memoranda: | ||
| Average total assets | $45,907,500 | 5,477 |
| Average earning assets | $43,668,000 | 5,437 |
| Average equity | $6,158,500 | 5,307 |
| Average total loans | $29,197,500 | 5,271 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 3,764 |
| Cost of funding earning assets | 0.1363% | 5,638 |
| Net interest margin | 3.7169% | 2,628 |
| Noninterest income to average assets | 0.2311% | 5,098 |
| Noninterest expense to average assets | 2.1203% | 5,013 |
| Loan and lease loss provision to assets | 0.1334% | 1,714 |
| Net operating income to assets | 1.4936% | 902 |
| Return on assets (ROA) | 1.4936% | 943 |
| Pretax return on assets | 1.4936% | 1,683 |
| Return on Equity (ROE) | 10.9601% | 1,663 |
| Retained earnings to average equity (ytd only) | -3.2293% | 5,650 |
| Net charge-offs to loans | -0.0070% | 4,607 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5836% | 5,069 |
| Assets per employee ($millions) | 4.0108% | 3,883 |
| Cash dividends to net income (ytd only)* | 129.4643% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,276 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 3,669 |
| Noncurrent loans to loans | 0.7031% | 2,968 |
| Net loans and leases to total assets | 64.6434% | 3,275 |
| Net loans and leases to deposits | 75.1614% | 3,467 |
| Net loans and leases to core deposits | 76.5740% | 3,775 |
| Total domestic deposits to total assets | 86.0060% | 2,419 |
| Equity capital to assets | 13.9373% | 1,048 |
| Core capital (leverage) ratio | 13.8053% | 873 |
| Tier 1 risk-based capital ratio | 18.0443% | 1,919 |
| Total risk-based capital ratio | 19.2943% | 1,886 |
| Memoranda: | ||
| Average total assets | $44,993,000 | 5,561 |
| Average earning assets | $42,562,670 | 5,527 |
| Average equity | $6,131,330 | 5,360 |
| Average total loans | $28,708,670 | 5,347 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8065% | 3,920 |
| Cost of funding earning assets | 0.1406% | 5,667 |
| Net interest margin | 3.6659% | 2,826 |
| Noninterest income to average assets | 0.2025% | 5,288 |
| Noninterest expense to average assets | 2.0603% | 5,203 |
| Loan and lease loss provision to assets | 0.1321% | 1,598 |
| Net operating income to assets | 1.4528% | 936 |
| Return on assets (ROA) | 1.4528% | 979 |
| Pretax return on assets | 1.4528% | 1,741 |
| Return on Equity (ROE) | 10.7799% | 1,684 |
| Retained earnings to average equity (ytd only) | -13.3932% | 5,885 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5217% | 5,149 |
| Assets per employee ($millions) | 4.1063% | 3,755 |
| Cash dividends to net income (ytd only)* | 224.2424% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 1,331 |
| Loan loss allowance to noncurrent loans | 220.8333% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 3,510 |
| Noncurrent loans to loans | 0.7750% | 2,900 |
| Net loans and leases to total assets | 60.6456% | 3,692 |
| Net loans and leases to deposits | 70.0105% | 3,857 |
| Net loans and leases to core deposits | 71.2858% | 4,127 |
| Total domestic deposits to total assets | 86.6236% | 2,399 |
| Equity capital to assets | 13.3410% | 1,247 |
| Core capital (leverage) ratio | 13.5010% | 984 |
| Tier 1 risk-based capital ratio | 18.4382% | 1,872 |
| Total risk-based capital ratio | 19.6891% | 1,831 |
| Memoranda: | ||
| Average total assets | $45,430,000 | 5,604 |
| Average earning assets | $42,664,000 | 5,580 |
| Average equity | $6,122,500 | 5,398 |
| Average total loans | $28,556,500 | 5,396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,095 |
| Cost of funding earning assets | 0.1515% | 5,672 |
| Net interest margin | 3.6316% | 3,009 |
| Noninterest income to average assets | 0.2235% | 5,262 |
| Noninterest expense to average assets | 2.1605% | 5,131 |
| Loan and lease loss provision to assets | 0.1355% | 1,756 |
| Net operating income to assets | 1.3907% | 1,051 |
| Return on assets (ROA) | 1.3907% | 1,096 |
| Pretax return on assets | 1.3907% | 1,937 |
| Return on Equity (ROE) | 10.1486% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.8172% | 4,067 |
| Net charge-offs to loans | 0.1060% | 2,332 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 22.5333% | 1,768 |
| Efficiency ratio | 58.6038% | 5,079 |
| Assets per employee ($millions) | 4.1537% | 3,655 |
| Cash dividends to net income (ytd only)* | 72.2403% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,679 |
| Loan loss allowance to noncurrent loans | 222.1154% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 3,639 |
| Noncurrent loans to loans | 0.7113% | 3,055 |
| Net loans and leases to total assets | 62.9905% | 3,415 |
| Net loans and leases to deposits | 72.9372% | 3,621 |
| Net loans and leases to core deposits | 73.6841% | 3,969 |
| Total domestic deposits to total assets | 86.3627% | 2,454 |
| Equity capital to assets | 13.6110% | 1,082 |
| Core capital (leverage) ratio | 13.7547% | 892 |
| Tier 1 risk-based capital ratio | 17.9816% | 1,971 |
| Total risk-based capital ratio | 19.2304% | 1,927 |
| Memoranda: | ||
| Average total assets | $44,295,000 | 5,675 |
| Average earning assets | $42,240,000 | 5,630 |
| Average equity | $6,069,800 | 5,421 |
| Average total loans | $28,298,800 | 5,429 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,281 |
| Cost of funding earning assets | 0.1511% | 5,765 |
| Net interest margin | 3.5918% | 3,195 |
| Noninterest income to average assets | 0.2154% | 5,366 |
| Noninterest expense to average assets | 2.1875% | 5,085 |
| Loan and lease loss provision to assets | 0.1365% | 1,641 |
| Net operating income to assets | 1.3531% | 1,222 |
| Return on assets (ROA) | 1.3531% | 1,267 |
| Pretax return on assets | 1.3531% | 2,200 |
| Return on Equity (ROE) | 9.8574% | 2,162 |
| Retained earnings to average equity (ytd only) | 1.4588% | 5,133 |
| Net charge-offs to loans | 0.0380% | 3,135 |
| Credit loss provision to net charge-offs | 562.5000% | 596 |
| Earnings coverage of net charge-offs (x) | 61.3543% | 906 |
| Efficiency ratio | 59.4884% | 4,949 |
| Assets per employee ($millions) | 4.1453% | 3,629 |
| Cash dividends to net income (ytd only)* | 85.2014% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6240% | 1,700 |
| Loan loss allowance to noncurrent loans | 166.9039% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 3,234 |
| Noncurrent loans to loans | 0.9730% | 2,546 |
| Net loans and leases to total assets | 62.3076% | 3,563 |
| Net loans and leases to deposits | 72.0506% | 3,761 |
| Net loans and leases to core deposits | 76.3244% | 3,767 |
| Total domestic deposits to total assets | 86.4775% | 2,295 |
| Equity capital to assets | 13.4523% | 1,250 |
| Core capital (leverage) ratio | 13.7138% | 940 |
| Tier 1 risk-based capital ratio | 17.4704% | 2,196 |
| Total risk-based capital ratio | 18.7189% | 2,150 |
| Memoranda: | ||
| Average total assets | $43,946,000 | 5,762 |
| Average earning assets | $42,355,000 | 5,698 |
| Average equity | $6,032,500 | 5,492 |
| Average total loans | $28,062,750 | 5,506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,413 |
| Cost of funding earning assets | 0.1480% | 5,863 |
| Net interest margin | 3.5510% | 3,284 |
| Noninterest income to average assets | 0.2120% | 5,425 |
| Noninterest expense to average assets | 2.2122% | 5,078 |
| Loan and lease loss provision to assets | 0.1383% | 1,582 |
| Net operating income to assets | 1.2905% | 1,351 |
| Return on assets (ROA) | 1.2905% | 1,411 |
| Pretax return on assets | 1.2905% | 2,398 |
| Return on Equity (ROE) | 9.3354% | 2,372 |
| Retained earnings to average equity (ytd only) | -1.5003% | 5,772 |
| Net charge-offs to loans | 0.0576% | 2,574 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 1,152 |
| Efficiency ratio | 60.7595% | 4,869 |
| Assets per employee ($millions) | 3.8273% | 4,211 |
| Cash dividends to net income (ytd only)* | 116.0714% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,946 |
| Loan loss allowance to noncurrent loans | 164.4928% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 3,241 |
| Noncurrent loans to loans | 0.9655% | 2,719 |
| Net loans and leases to total assets | 66.8242% | 2,813 |
| Net loans and leases to deposits | 78.4042% | 2,980 |
| Net loans and leases to core deposits | 79.9801% | 3,389 |
| Total domestic deposits to total assets | 85.2304% | 3,028 |
| Equity capital to assets | 14.2328% | 900 |
| Core capital (leverage) ratio | 14.1908% | 788 |
| Tier 1 risk-based capital ratio | 18.1239% | 2,031 |
| Total risk-based capital ratio | 19.3738% | 1,991 |
| Memoranda: | ||
| Average total assets | $43,395,330 | 5,833 |
| Average earning assets | $41,904,000 | 5,766 |
| Average equity | $5,998,670 | 5,551 |
| Average total loans | $27,790,330 | 5,568 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 4,728 |
| Cost of funding earning assets | 0.1507% | 5,919 |
| Net interest margin | 3.4367% | 3,683 |
| Noninterest income to average assets | 0.2089% | 5,457 |
| Noninterest expense to average assets | 2.0979% | 5,387 |
| Loan and lease loss provision to assets | 0.1362% | 1,517 |
| Net operating income to assets | 1.2896% | 1,310 |
| Return on assets (ROA) | 1.2896% | 1,395 |
| Pretax return on assets | 1.2896% | 2,334 |
| Return on Equity (ROE) | 9.4635% | 2,237 |
| Retained earnings to average equity (ytd only) | -8.5305% | 6,095 |
| Net charge-offs to loans | 0.1314% | 1,461 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 17.4444% | 1,522 |
| Efficiency ratio | 59.5361% | 5,152 |
| Assets per employee ($millions) | 3.9019% | 4,158 |
| Cash dividends to net income (ytd only)* | 190.1408% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 1,821 |
| Loan loss allowance to noncurrent loans | 211.5942% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 3,868 |
| Noncurrent loans to loans | 0.7885% | 3,283 |
| Net loans and leases to total assets | 60.1477% | 3,631 |
| Net loans and leases to deposits | 69.8523% | 3,762 |
| Net loans and leases to core deposits | 71.2146% | 4,038 |
| Total domestic deposits to total assets | 86.1070% | 2,884 |
| Equity capital to assets | 13.8534% | 1,033 |
| Core capital (leverage) ratio | 13.6090% | 938 |
| Tier 1 risk-based capital ratio | 20.8149% | 1,457 |
| Total risk-based capital ratio | 22.0664% | 1,426 |
| Memoranda: | ||
| Average total assets | $44,043,000 | 5,869 |
| Average earning assets | $42,482,000 | 5,799 |
| Average equity | $6,002,000 | 5,597 |
| Average total loans | $27,392,000 | 5,622 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 5,178 |
| Cost of funding earning assets | 0.1598% | 6,046 |
| Net interest margin | 3.4045% | 4,179 |
| Noninterest income to average assets | 0.2172% | 5,551 |
| Noninterest expense to average assets | 1.9444% | 5,869 |
| Loan and lease loss provision to assets | 0.1384% | 1,907 |
| Net operating income to assets | 1.4014% | 1,082 |
| Return on assets (ROA) | 1.4014% | 1,109 |
| Pretax return on assets | 1.4014% | 1,882 |
| Return on Equity (ROE) | 11.1798% | 1,667 |
| Retained earnings to average equity (ytd only) | 3.3641% | 3,817 |
| Net charge-offs to loans | 0.1170% | 2,870 |
| Credit loss provision to net charge-offs | 196.9697% | 1,254 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,650 |
| Efficiency ratio | 55.8068% | 5,684 |
| Assets per employee ($millions) | 4.1059% | 3,714 |
| Cash dividends to net income (ytd only)* | 69.9088% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 2,409 |
| Loan loss allowance to noncurrent loans | 199.0783% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 4,005 |
| Noncurrent loans to loans | 0.7606% | 3,421 |
| Net loans and leases to total assets | 62.2119% | 3,471 |
| Net loans and leases to deposits | 76.1629% | 3,178 |
| Net loans and leases to core deposits | 77.6510% | 3,548 |
| Total domestic deposits to total assets | 81.6827% | 4,535 |
| Equity capital to assets | 13.4130% | 1,189 |
| Core capital (leverage) ratio | 12.5767% | 1,318 |
| Tier 1 risk-based capital ratio | 19.5287% | 1,717 |
| Total risk-based capital ratio | 20.7813% | 1,683 |
| Memoranda: | ||
| Average total assets | $46,954,600 | 5,861 |
| Average earning assets | $45,057,600 | 5,797 |
| Average equity | $5,885,600 | 5,645 |
| Average total loans | $28,213,800 | 5,642 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 5,383 |
| Cost of funding earning assets | 0.1583% | 6,130 |
| Net interest margin | 3.3484% | 4,436 |
| Noninterest income to average assets | 0.2194% | 5,621 |
| Noninterest expense to average assets | 1.9633% | 5,835 |
| Loan and lease loss provision to assets | 0.1125% | 2,168 |
| Net operating income to assets | 1.3557% | 1,239 |
| Return on assets (ROA) | 1.3557% | 1,287 |
| Pretax return on assets | 1.3557% | 2,169 |
| Return on Equity (ROE) | 10.9996% | 1,791 |
| Retained earnings to average equity (ytd only) | 1.9855% | 5,062 |
| Net charge-offs to loans | 0.0332% | 3,821 |
| Credit loss provision to net charge-offs | 571.4286% | 511 |
| Earnings coverage of net charge-offs (x) | 74.5959% | 740 |
| Efficiency ratio | 57.2131% | 5,540 |
| Assets per employee ($millions) | 4.5306% | 2,913 |
| Cash dividends to net income (ytd only)* | 81.9497% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 2,758 |
| Loan loss allowance to noncurrent loans | 200.4630% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 4,430 |
| Noncurrent loans to loans | 0.7442% | 3,743 |
| Net loans and leases to total assets | 57.3730% | 4,154 |
| Net loans and leases to deposits | 65.2749% | 4,405 |
| Net loans and leases to core deposits | 68.7580% | 4,437 |
| Total domestic deposits to total assets | 87.8945% | 1,817 |
| Equity capital to assets | 11.9610% | 2,087 |
| Core capital (leverage) ratio | 12.3042% | 1,511 |
| Tier 1 risk-based capital ratio | 18.8616% | 1,942 |
| Total risk-based capital ratio | 20.1131% | 1,912 |
| Memoranda: | ||
| Average total assets | $47,402,000 | 5,913 |
| Average earning assets | $45,473,500 | 5,851 |
| Average equity | $5,842,500 | 5,712 |
| Average total loans | $28,134,750 | 5,700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 5,300 |
| Cost of funding earning assets | 0.1615% | 6,185 |
| Net interest margin | 3.3822% | 4,247 |
| Noninterest income to average assets | 0.2189% | 5,642 |
| Noninterest expense to average assets | 2.0219% | 5,798 |
| Loan and lease loss provision to assets | 0.0859% | 2,592 |
| Net operating income to assets | 1.3479% | 1,189 |
| Return on assets (ROA) | 1.3479% | 1,232 |
| Pretax return on assets | 1.3479% | 2,089 |
| Return on Equity (ROE) | 10.8220% | 1,801 |
| Retained earnings to average equity (ytd only) | -0.7238% | 5,812 |
| Net charge-offs to loans | 0.0503% | 3,257 |
| Credit loss provision to net charge-offs | 285.7143% | 892 |
| Earnings coverage of net charge-offs (x) | 47.7143% | 940 |
| Efficiency ratio | 58.5093% | 5,489 |
| Assets per employee ($millions) | 4.0937% | 3,658 |
| Cash dividends to net income (ytd only)* | 106.6879% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 2,770 |
| Loan loss allowance to noncurrent loans | 205.4726% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 4,493 |
| Noncurrent loans to loans | 0.7431% | 3,843 |
| Net loans and leases to total assets | 59.1526% | 3,838 |
| Net loans and leases to deposits | 68.0800% | 4,041 |
| Net loans and leases to core deposits | 69.3600% | 4,332 |
| Total domestic deposits to total assets | 86.8868% | 2,524 |
| Equity capital to assets | 12.9911% | 1,376 |
| Core capital (leverage) ratio | 12.9314% | 1,178 |
| Tier 1 risk-based capital ratio | 19.7186% | 1,753 |
| Total risk-based capital ratio | 20.9700% | 1,721 |
| Memoranda: | ||
| Average total assets | $46,590,330 | 5,994 |
| Average earning assets | $44,586,670 | 5,931 |
| Average equity | $5,803,000 | 5,756 |
| Average total loans | $27,837,670 | 5,756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 5,502 |
| Cost of funding earning assets | 0.1665% | 6,250 |
| Net interest margin | 3.3042% | 4,520 |
| Noninterest income to average assets | 0.2111% | 5,666 |
| Noninterest expense to average assets | 1.8746% | 6,103 |
| Loan and lease loss provision to assets | 0.0844% | 2,494 |
| Net operating income to assets | 1.4355% | 924 |
| Return on assets (ROA) | 1.4355% | 961 |
| Pretax return on assets | 1.4355% | 1,622 |
| Return on Equity (ROE) | 11.7657% | 1,471 |
| Retained earnings to average equity (ytd only) | -6.9210% | 6,237 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2239% | 5,903 |
| Assets per employee ($millions) | 4.1263% | 3,670 |
| Cash dividends to net income (ytd only)* | 158.8235% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 2,898 |
| Loan loss allowance to noncurrent loans | 94.2529% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 3,226 |
| Noncurrent loans to loans | 1.6500% | 2,357 |
| Net loans and leases to total assets | 57.1791% | 3,972 |
| Net loans and leases to deposits | 65.4998% | 4,147 |
| Net loans and leases to core deposits | 67.1557% | 4,387 |
| Total domestic deposits to total assets | 87.2965% | 2,640 |
| Equity capital to assets | 12.6330% | 1,505 |
| Core capital (leverage) ratio | 12.3685% | 1,442 |
| Tier 1 risk-based capital ratio | 19.8577% | 1,757 |
| Total risk-based capital ratio | 21.1111% | 1,720 |
| Memoranda: | ||
| Average total assets | $47,370,000 | 6,031 |
| Average earning assets | $45,639,500 | 5,951 |
| Average equity | $5,779,500 | 5,804 |
| Average total loans | $28,231,500 | 5,785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 5,858 |
| Cost of funding earning assets | 0.1872% | 6,354 |
| Net interest margin | 3.2034% | 4,989 |
| Noninterest income to average assets | 0.2203% | 5,758 |
| Noninterest expense to average assets | 2.0365% | 5,952 |
| Loan and lease loss provision to assets | 0.0216% | 4,698 |
| Net operating income to assets | 1.2288% | 1,454 |
| Return on assets (ROA) | 1.2288% | 1,519 |
| Pretax return on assets | 1.2288% | 2,463 |
| Return on Equity (ROE) | 10.0084% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.9401% | 3,399 |
| Net charge-offs to loans | -0.0381% | 6,273 |
| Credit loss provision to net charge-offs | -100.0000% | 5,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9580% | 5,224 |
| Assets per employee ($millions) | 4.4865% | 2,930 |
| Cash dividends to net income (ytd only)* | 60.6327% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 3,986 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 3,488 |
| Noncurrent loans to loans | 1.4950% | 2,650 |
| Net loans and leases to total assets | 60.1812% | 3,679 |
| Net loans and leases to deposits | 75.7460% | 2,991 |
| Net loans and leases to core deposits | 77.6836% | 3,407 |
| Total domestic deposits to total assets | 79.4513% | 5,565 |
| Equity capital to assets | 11.8032% | 1,947 |
| Core capital (leverage) ratio | 12.1728% | 1,509 |
| Tier 1 risk-based capital ratio | 17.8806% | 2,280 |
| Total risk-based capital ratio | 19.1032% | 2,259 |
| Memoranda: | ||
| Average total assets | $46,304,200 | 6,109 |
| Average earning assets | $44,327,400 | 6,039 |
| Average equity | $5,685,200 | 5,889 |
| Average total loans | $26,256,200 | 5,926 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 6,064 |
| Cost of funding earning assets | 0.1961% | 6,415 |
| Net interest margin | 3.1015% | 5,313 |
| Noninterest income to average assets | 0.2225% | 5,833 |
| Noninterest expense to average assets | 2.1430% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0422% | 2,217 |
| Return on assets (ROA) | 1.0422% | 2,297 |
| Pretax return on assets | 1.0422% | 3,327 |
| Return on Equity (ROE) | 8.4005% | 2,925 |
| Retained earnings to average equity (ytd only) | 1.6753% | 5,302 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2794% | 4,239 |
| Assets per employee ($millions) | 4.4550% | 2,946 |
| Cash dividends to net income (ytd only)* | 80.0569% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,488 |
| Loan loss allowance to noncurrent loans | 185.3659% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 5,016 |
| Noncurrent loans to loans | 0.8054% | 4,226 |
| Net loans and leases to total assets | 51.1662% | 4,988 |
| Net loans and leases to deposits | 58.0403% | 5,185 |
| Net loans and leases to core deposits | 59.4157% | 5,345 |
| Total domestic deposits to total assets | 88.1563% | 2,029 |
| Equity capital to assets | 11.6947% | 2,133 |
| Core capital (leverage) ratio | 12.4435% | 1,448 |
| Tier 1 risk-based capital ratio | 19.5357% | 1,851 |
| Total risk-based capital ratio | 20.7839% | 1,818 |
| Memoranda: | ||
| Average total assets | $45,542,500 | 6,205 |
| Average earning assets | $43,504,750 | 6,134 |
| Average equity | $5,650,250 | 5,960 |
| Average total loans | $25,295,250 | 6,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 6,166 |
| Cost of funding earning assets | 0.2076% | 6,436 |
| Net interest margin | 3.0388% | 5,472 |
| Noninterest income to average assets | 0.2253% | 5,831 |
| Noninterest expense to average assets | 2.2033% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9237% | 2,686 |
| Return on assets (ROA) | 0.9237% | 2,824 |
| Pretax return on assets | 0.9237% | 3,816 |
| Return on Equity (ROE) | 7.2911% | 3,450 |
| Retained earnings to average equity (ytd only) | -2.3118% | 6,228 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4611% | 3,742 |
| Assets per employee ($millions) | 3.6117% | 4,593 |
| Cash dividends to net income (ytd only)* | 131.7073% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 3,310 |
| Loan loss allowance to noncurrent loans | 85.9729% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 3,578 |
| Noncurrent loans to loans | 1.8153% | 2,623 |
| Net loans and leases to total assets | 55.3023% | 4,398 |
| Net loans and leases to deposits | 63.5587% | 4,557 |
| Net loans and leases to core deposits | 65.2954% | 4,766 |
| Total domestic deposits to total assets | 87.0097% | 2,817 |
| Equity capital to assets | 12.8588% | 1,399 |
| Core capital (leverage) ratio | 12.7414% | 1,269 |
| Tier 1 risk-based capital ratio | 19.9878% | 1,723 |
| Total risk-based capital ratio | 21.1559% | 1,715 |
| Memoranda: | ||
| Average total assets | $44,388,330 | 6,279 |
| Average earning assets | $42,385,670 | 6,209 |
| Average equity | $5,623,330 | 6,010 |
| Average total loans | $25,242,330 | 6,057 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 5,606 |
| Cost of funding earning assets | 0.2066% | 6,543 |
| Net interest margin | 3.3345% | 4,381 |
| Noninterest income to average assets | 0.2137% | 5,949 |
| Noninterest expense to average assets | 1.8347% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5408% | 785 |
| Return on assets (ROA) | 1.5408% | 859 |
| Pretax return on assets | 1.5408% | 1,450 |
| Return on Equity (ROE) | 12.2510% | 1,359 |
| Retained earnings to average equity (ytd only) | -2.2661% | 6,105 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3536% | 6,200 |
| Assets per employee ($millions) | 3.7479% | 4,453 |
| Cash dividends to net income (ytd only)* | 118.4971% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,292 |
| Loan loss allowance to noncurrent loans | 169.6429% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 5,000 |
| Noncurrent loans to loans | 0.9584% | 4,220 |
| Net loans and leases to total assets | 51.1217% | 4,822 |
| Net loans and leases to deposits | 58.4711% | 4,978 |
| Net loans and leases to core deposits | 60.0000% | 5,151 |
| Total domestic deposits to total assets | 87.4308% | 2,668 |
| Equity capital to assets | 12.4869% | 1,722 |
| Core capital (leverage) ratio | 12.1855% | 1,470 |
| Tier 1 risk-based capital ratio | 20.3374% | 1,690 |
| Total risk-based capital ratio | 21.5880% | 1,662 |
| Memoranda: | ||
| Average total assets | $44,912,500 | 6,319 |
| Average earning assets | $42,585,000 | 6,259 |
| Average equity | $5,648,500 | 6,065 |
| Average total loans | $25,689,500 | 6,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 5,389 |
| Cost of funding earning assets | 0.3060% | 6,422 |
| Net interest margin | 3.6675% | 3,793 |
| Noninterest income to average assets | 0.1595% | 6,233 |
| Noninterest expense to average assets | 2.2356% | 5,845 |
| Loan and lease loss provision to assets | 0.1156% | 4,184 |
| Net operating income to assets | 1.2716% | 1,391 |
| Return on assets (ROA) | 1.2716% | 1,542 |
| Pretax return on assets | 1.2716% | 2,517 |
| Return on Equity (ROE) | 9.8662% | 2,227 |
| Retained earnings to average equity (ytd only) | 2.2423% | 4,662 |
| Net charge-offs to loans | 0.0236% | 5,569 |
| Credit loss provision to net charge-offs | 833.3333% | 298 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 381 |
| Efficiency ratio | 61.7103% | 5,282 |
| Assets per employee ($millions) | 3.7375% | 4,492 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,373 |
| Loan loss allowance to noncurrent loans | 161.7021% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 5,026 |
| Noncurrent loans to loans | 0.8391% | 4,512 |
| Net loans and leases to total assets | 61.5987% | 3,318 |
| Net loans and leases to deposits | 70.5707% | 3,625 |
| Net loans and leases to core deposits | 72.4339% | 3,989 |
| Total domestic deposits to total assets | 87.2865% | 2,653 |
| Equity capital to assets | 12.6667% | 1,602 |
| Core capital (leverage) ratio | 12.0678% | 1,532 |
| Tier 1 risk-based capital ratio | 17.9263% | 2,284 |
| Total risk-based capital ratio | 19.1371% | 2,267 |
| Memoranda: | ||
| Average total assets | $43,253,800 | 6,388 |
| Average earning assets | $40,845,800 | 6,332 |
| Average equity | $5,574,600 | 6,128 |
| Average total loans | $25,388,200 | 6,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 5,692 |
| Cost of funding earning assets | 0.3196% | 6,513 |
| Net interest margin | 3.6181% | 4,157 |
| Noninterest income to average assets | 0.2302% | 5,899 |
| Noninterest expense to average assets | 2.2805% | 5,739 |
| Loan and lease loss provision to assets | 0.0622% | 4,935 |
| Net operating income to assets | 1.3036% | 1,439 |
| Return on assets (ROA) | 1.3036% | 1,580 |
| Pretax return on assets | 1.3036% | 2,599 |
| Return on Equity (ROE) | 10.0694% | 2,319 |
| Retained earnings to average equity (ytd only) | 1.8985% | 5,387 |
| Net charge-offs to loans | 0.0323% | 5,192 |
| Credit loss provision to net charge-offs | 333.3333% | 795 |
| Earnings coverage of net charge-offs (x) | 73.1650% | 570 |
| Efficiency ratio | 62.5427% | 5,067 |
| Assets per employee ($millions) | 3.7642% | 4,395 |
| Cash dividends to net income (ytd only)* | 81.1456% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,282 |
| Loan loss allowance to noncurrent loans | 125.8993% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 4,017 |
| Noncurrent loans to loans | 1.1292% | 4,170 |
| Net loans and leases to total assets | 53.7304% | 4,788 |
| Net loans and leases to deposits | 61.6005% | 5,009 |
| Net loans and leases to core deposits | 62.7407% | 5,290 |
| Total domestic deposits to total assets | 87.2238% | 2,545 |
| Equity capital to assets | 12.6101% | 1,817 |
| Core capital (leverage) ratio | 13.0759% | 1,160 |
| Tier 1 risk-based capital ratio | 19.2268% | 1,941 |
| Total risk-based capital ratio | 20.4328% | 1,927 |
| Memoranda: | ||
| Average total assets | $42,854,750 | 6,474 |
| Average earning assets | $40,461,750 | 6,417 |
| Average equity | $5,548,000 | 6,207 |
| Average total loans | $24,733,500 | 6,294 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 6,222 |
| Cost of funding earning assets | 0.3370% | 6,567 |
| Net interest margin | 3.4250% | 4,989 |
| Noninterest income to average assets | 0.2376% | 5,866 |
| Noninterest expense to average assets | 2.3858% | 5,502 |
| Loan and lease loss provision to assets | 0.0951% | 4,361 |
| Net operating income to assets | 0.9933% | 2,497 |
| Return on assets (ROA) | 0.9933% | 2,721 |
| Pretax return on assets | 0.9933% | 3,731 |
| Return on Equity (ROE) | 7.6018% | 3,448 |
| Retained earnings to average equity (ytd only) | -4.0373% | 6,552 |
| Net charge-offs to loans | 0.0484% | 4,718 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 38.1667% | 910 |
| Efficiency ratio | 68.6731% | 4,007 |
| Assets per employee ($millions) | 3.5123% | 4,952 |
| Cash dividends to net income (ytd only)* | 153.1100% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,248 |
| Loan loss allowance to noncurrent loans | 106.7073% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 3,874 |
| Noncurrent loans to loans | 1.3590% | 3,890 |
| Net loans and leases to total assets | 56.4345% | 4,401 |
| Net loans and leases to deposits | 65.0122% | 4,643 |
| Net loans and leases to core deposits | 66.3135% | 4,964 |
| Total domestic deposits to total assets | 86.8060% | 2,892 |
| Equity capital to assets | 13.0469% | 1,495 |
| Core capital (leverage) ratio | 12.6761% | 1,277 |
| Tier 1 risk-based capital ratio | 19.3031% | 1,895 |
| Total risk-based capital ratio | 20.5565% | 1,864 |
| Memoranda: | ||
| Average total assets | $42,083,000 | 6,538 |
| Average earning assets | $39,766,670 | 6,482 |
| Average equity | $5,498,670 | 6,242 |
| Average total loans | $24,771,330 | 6,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 5,657 |
| Cost of funding earning assets | 0.3512% | 6,630 |
| Net interest margin | 3.6825% | 3,912 |
| Noninterest income to average assets | 0.2283% | 5,988 |
| Noninterest expense to average assets | 2.0547% | 6,370 |
| Loan and lease loss provision to assets | 0.1902% | 3,048 |
| Net operating income to assets | 1.4744% | 1,072 |
| Return on assets (ROA) | 1.4744% | 1,198 |
| Pretax return on assets | 1.4744% | 1,947 |
| Return on Equity (ROE) | 11.2758% | 1,916 |
| Retained earnings to average equity (ytd only) | -7.6384% | 6,746 |
| Net charge-offs to loans | 0.1116% | 3,458 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,042 |
| Efficiency ratio | 55.2430% | 6,201 |
| Assets per employee ($millions) | 3.4542% | 5,224 |
| Cash dividends to net income (ytd only)* | 167.7419% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 4,052 |
| Loan loss allowance to noncurrent loans | 99.1477% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 3,850 |
| Noncurrent loans to loans | 1.5360% | 3,809 |
| Net loans and leases to total assets | 54.4463% | 4,647 |
| Net loans and leases to deposits | 62.8390% | 4,793 |
| Net loans and leases to core deposits | 64.1282% | 5,099 |
| Total domestic deposits to total assets | 86.6441% | 3,152 |
| Equity capital to assets | 13.2593% | 1,336 |
| Core capital (leverage) ratio | 13.2518% | 1,039 |
| Tier 1 risk-based capital ratio | 20.1720% | 1,664 |
| Total risk-based capital ratio | 21.4243% | 1,640 |
| Memoranda: | ||
| Average total assets | $42,050,500 | 6,599 |
| Average earning assets | $39,864,500 | 6,533 |
| Average equity | $5,498,500 | 6,279 |
| Average total loans | $25,089,000 | 6,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 5,439 |
| Cost of funding earning assets | 0.4450% | 6,745 |
| Net interest margin | 3.9518% | 3,095 |
| Noninterest income to average assets | 0.2423% | 5,806 |
| Noninterest expense to average assets | 2.3621% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6450% | 613 |
| Return on assets (ROA) | 1.6450% | 655 |
| Pretax return on assets | 1.6450% | 1,109 |
| Return on Equity (ROE) | 12.6443% | 1,247 |
| Retained earnings to average equity (ytd only) | 3.6127% | 3,642 |
| Net charge-offs to loans | 0.1332% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 20.5758% | 1,125 |
| Efficiency ratio | 58.9480% | 5,908 |
| Assets per employee ($millions) | 3.2808% | 5,551 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,251 |
| Loan loss allowance to noncurrent loans | 118.3099% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,296 |
| Noncurrent loans to loans | 1.0418% | 4,626 |
| Net loans and leases to total assets | 63.1286% | 3,376 |
| Net loans and leases to deposits | 77.1225% | 2,980 |
| Net loans and leases to core deposits | 78.7511% | 3,596 |
| Total domestic deposits to total assets | 81.8551% | 5,176 |
| Equity capital to assets | 12.8977% | 1,544 |
| Core capital (leverage) ratio | 13.0597% | 1,119 |
| Tier 1 risk-based capital ratio | 17.9771% | 2,193 |
| Total risk-based capital ratio | 19.0752% | 2,230 |
| Memoranda: | ||
| Average total assets | $41,277,000 | 6,625 |
| Average earning assets | $39,323,600 | 6,557 |
| Average equity | $5,370,000 | 6,331 |
| Average total loans | $24,782,400 | 6,431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 5,686 |
| Cost of funding earning assets | 0.4581% | 6,856 |
| Net interest margin | 3.9182% | 3,291 |
| Noninterest income to average assets | 0.2378% | 5,927 |
| Noninterest expense to average assets | 2.2573% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7133% | 609 |
| Return on assets (ROA) | 1.7133% | 667 |
| Pretax return on assets | 1.7133% | 1,113 |
| Return on Equity (ROE) | 13.1401% | 1,243 |
| Retained earnings to average equity (ytd only) | 2.7730% | 4,703 |
| Net charge-offs to loans | 0.0607% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 47.8064% | 673 |
| Efficiency ratio | 56.8499% | 6,165 |
| Assets per employee ($millions) | 3.1885% | 5,707 |
| Cash dividends to net income (ytd only)* | 78.8969% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,907 |
| Loan loss allowance to noncurrent loans | 115.8576% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 4,209 |
| Noncurrent loans to loans | 1.3320% | 4,306 |
| Net loans and leases to total assets | 55.1036% | 4,982 |
| Net loans and leases to deposits | 63.5425% | 5,235 |
| Net loans and leases to core deposits | 65.2917% | 5,495 |
| Total domestic deposits to total assets | 86.7193% | 2,810 |
| Equity capital to assets | 13.0829% | 1,577 |
| Core capital (leverage) ratio | 13.1594% | 1,168 |
| Tier 1 risk-based capital ratio | 19.9346% | 1,705 |
| Total risk-based capital ratio | 21.1844% | 1,673 |
| Memoranda: | ||
| Average total assets | $40,933,500 | 6,697 |
| Average earning assets | $38,996,250 | 6,629 |
| Average equity | $5,337,250 | 6,396 |
| Average total loans | $24,162,750 | 6,522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 5,486 |
| Cost of funding earning assets | 0.4723% | 6,942 |
| Net interest margin | 3.9885% | 2,895 |
| Noninterest income to average assets | 0.2257% | 6,057 |
| Noninterest expense to average assets | 2.2669% | 6,208 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7713% | 531 |
| Return on assets (ROA) | 1.7713% | 569 |
| Pretax return on assets | 1.7713% | 927 |
| Return on Equity (ROE) | 13.6004% | 1,070 |
| Retained earnings to average equity (ytd only) | -0.1507% | 5,868 |
| Net charge-offs to loans | -0.0082% | 6,646 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1361% | 6,408 |
| Assets per employee ($millions) | 3.0715% | 5,930 |
| Cash dividends to net income (ytd only)* | 101.1080% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 3,615 |
| Loan loss allowance to noncurrent loans | 117.0886% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 4,174 |
| Noncurrent loans to loans | 1.3848% | 4,331 |
| Net loans and leases to total assets | 56.2248% | 4,957 |
| Net loans and leases to deposits | 65.0028% | 5,152 |
| Net loans and leases to core deposits | 66.8931% | 5,399 |
| Total domestic deposits to total assets | 86.4960% | 3,042 |
| Equity capital to assets | 13.3086% | 1,377 |
| Core capital (leverage) ratio | 13.1621% | 1,098 |
| Tier 1 risk-based capital ratio | 20.0143% | 1,606 |
| Total risk-based capital ratio | 21.2636% | 1,583 |
| Memoranda: | ||
| Average total assets | $40,761,000 | 6,761 |
| Average earning assets | $38,962,000 | 6,688 |
| Average equity | $5,308,670 | 6,433 |
| Average total loans | $24,484,000 | 6,562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 4,849 |
| Cost of funding earning assets | 0.4877% | 7,013 |
| Net interest margin | 4.1355% | 2,133 |
| Noninterest income to average assets | 0.2137% | 6,203 |
| Noninterest expense to average assets | 1.9817% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1857% | 266 |
| Return on assets (ROA) | 2.1857% | 278 |
| Pretax return on assets | 2.1857% | 409 |
| Return on Equity (ROE) | 16.9619% | 576 |
| Retained earnings to average equity (ytd only) | -3.7693% | 6,388 |
| Net charge-offs to loans | 0.0158% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 139 |
| Efficiency ratio | 47.5524% | 7,131 |
| Assets per employee ($millions) | 3.1082% | 5,933 |
| Cash dividends to net income (ytd only)* | 122.2222% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 3,797 |
| Loan loss allowance to noncurrent loans | 121.8543% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 4,332 |
| Noncurrent loans to loans | 1.3000% | 4,529 |
| Net loans and leases to total assets | 56.5807% | 4,896 |
| Net loans and leases to deposits | 65.1710% | 5,099 |
| Net loans and leases to core deposits | 67.0381% | 5,397 |
| Total domestic deposits to total assets | 86.8188% | 3,040 |
| Equity capital to assets | 13.0525% | 1,360 |
| Core capital (leverage) ratio | 12.7442% | 1,217 |
| Tier 1 risk-based capital ratio | 19.5145% | 1,692 |
| Total risk-based capital ratio | 20.7617% | 1,659 |
| Memoranda: | ||
| Average total assets | $41,177,000 | 6,793 |
| Average earning assets | $39,366,000 | 6,707 |
| Average equity | $5,306,000 | 6,453 |
| Average total loans | $25,316,000 | 6,574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 5,316 |
| Cost of funding earning assets | 0.6213% | 7,078 |
| Net interest margin | 4.2080% | 2,153 |
| Noninterest income to average assets | 0.2432% | 6,058 |
| Noninterest expense to average assets | 2.4519% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7781% | 443 |
| Return on assets (ROA) | 1.7781% | 480 |
| Pretax return on assets | 1.7781% | 803 |
| Return on Equity (ROE) | 14.0480% | 872 |
| Retained earnings to average equity (ytd only) | 1.7488% | 4,631 |
| Net charge-offs to loans | 0.1018% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 28.1154% | 775 |
| Efficiency ratio | 57.9643% | 6,339 |
| Assets per employee ($millions) | 3.2268% | 5,607 |
| Cash dividends to net income (ytd only)* | 87.5513% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,770 |
| Loan loss allowance to noncurrent loans | 101.3736% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 4,222 |
| Noncurrent loans to loans | 1.3284% | 4,501 |
| Net loans and leases to total assets | 64.4441% | 3,772 |
| Net loans and leases to deposits | 73.9516% | 4,199 |
| Net loans and leases to core deposits | 76.0101% | 4,715 |
| Total domestic deposits to total assets | 87.1436% | 2,749 |
| Equity capital to assets | 12.7253% | 1,513 |
| Core capital (leverage) ratio | 12.3995% | 1,348 |
| Tier 1 risk-based capital ratio | 17.2529% | 2,245 |
| Total risk-based capital ratio | 18.4233% | 2,243 |
| Memoranda: | ||
| Average total assets | $41,111,000 | 6,822 |
| Average earning assets | $38,949,400 | 6,762 |
| Average equity | $5,203,600 | 6,597 |
| Average total loans | $25,532,800 | 6,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 5,691 |
| Cost of funding earning assets | 0.6449% | 7,193 |
| Net interest margin | 4.1486% | 2,409 |
| Noninterest income to average assets | 0.2575% | 6,058 |
| Noninterest expense to average assets | 2.4090% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7700% | 548 |
| Return on assets (ROA) | 1.7700% | 593 |
| Pretax return on assets | 1.7700% | 976 |
| Return on Equity (ROE) | 14.0035% | 1,037 |
| Retained earnings to average equity (ytd only) | -0.4385% | 5,902 |
| Net charge-offs to loans | 0.1170% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 24.6839% | 1,014 |
| Efficiency ratio | 57.6443% | 6,317 |
| Assets per employee ($millions) | 3.1588% | 5,783 |
| Cash dividends to net income (ytd only)* | 103.1313% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 4,003 |
| Loan loss allowance to noncurrent loans | 34.0328% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 3.2291% | 2,216 |
| Noncurrent loans to loans | 4.3829% | 1,660 |
| Net loans and leases to total assets | 59.9868% | 4,918 |
| Net loans and leases to deposits | 68.9421% | 5,287 |
| Net loans and leases to core deposits | 70.9558% | 5,649 |
| Total domestic deposits to total assets | 87.0105% | 2,523 |
| Equity capital to assets | 12.7630% | 1,703 |
| Core capital (leverage) ratio | 12.6759% | 1,348 |
| Tier 1 risk-based capital ratio | 18.1790% | 1,977 |
| Total risk-based capital ratio | 19.4307% | 1,932 |
| Memoranda: | ||
| Average total assets | $40,901,750 | 6,909 |
| Average earning assets | $38,662,250 | 6,852 |
| Average equity | $5,170,000 | 6,691 |
| Average total loans | $25,065,500 | 6,751 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7554% | 5,950 |
| Cost of funding earning assets | 0.6564% | 7,284 |
| Net interest margin | 4.0989% | 2,560 |
| Noninterest income to average assets | 0.2742% | 5,959 |
| Noninterest expense to average assets | 2.4579% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6990% | 588 |
| Return on assets (ROA) | 1.6990% | 639 |
| Pretax return on assets | 1.6990% | 1,059 |
| Return on Equity (ROE) | 13.4853% | 1,145 |
| Retained earnings to average equity (ytd only) | -5.9460% | 6,652 |
| Net charge-offs to loans | 0.0797% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 34.7000% | 818 |
| Efficiency ratio | 59.1284% | 6,190 |
| Assets per employee ($millions) | 3.0983% | 5,922 |
| Cash dividends to net income (ytd only)* | 144.0922% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,795 |
| Loan loss allowance to noncurrent loans | 44.4060% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.7236% | 2,654 |
| Noncurrent loans to loans | 3.4331% | 2,314 |
| Net loans and leases to total assets | 61.7434% | 4,733 |
| Net loans and leases to deposits | 70.9024% | 5,148 |
| Net loans and leases to core deposits | 73.0110% | 5,553 |
| Total domestic deposits to total assets | 87.0823% | 2,488 |
| Equity capital to assets | 12.6943% | 1,689 |
| Core capital (leverage) ratio | 12.6899% | 1,327 |
| Tier 1 risk-based capital ratio | 17.7388% | 2,020 |
| Total risk-based capital ratio | 18.9896% | 1,993 |
| Memoranda: | ||
| Average total assets | $40,847,670 | 6,967 |
| Average earning assets | $38,693,000 | 6,902 |
| Average equity | $5,146,330 | 6,730 |
| Average total loans | $25,085,330 | 6,799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 6,134 |
| Cost of funding earning assets | 0.6792% | 7,382 |
| Net interest margin | 4.0544% | 2,633 |
| Noninterest income to average assets | 0.2723% | 5,979 |
| Noninterest expense to average assets | 2.1589% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9449% | 382 |
| Return on assets (ROA) | 1.9449% | 418 |
| Pretax return on assets | 1.9449% | 672 |
| Return on Equity (ROE) | 15.4949% | 802 |
| Retained earnings to average equity (ytd only) | -17.4317% | 7,292 |
| Net charge-offs to loans | 0.1440% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.2222% | 1,097 |
| Efficiency ratio | 52.6066% | 7,091 |
| Assets per employee ($millions) | 3.1017% | 5,994 |
| Cash dividends to net income (ytd only)* | 212.5000% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 3,348 |
| Loan loss allowance to noncurrent loans | 60.3125% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 3,321 |
| Noncurrent loans to loans | 2.6929% | 2,980 |
| Net loans and leases to total assets | 57.9832% | 5,440 |
| Net loans and leases to deposits | 66.3940% | 5,778 |
| Net loans and leases to core deposits | 68.3966% | 6,066 |
| Total domestic deposits to total assets | 87.3320% | 2,443 |
| Equity capital to assets | 12.5093% | 1,756 |
| Core capital (leverage) ratio | 12.3445% | 1,474 |
| Tier 1 risk-based capital ratio | 18.2955% | 1,874 |
| Total risk-based capital ratio | 19.5491% | 1,842 |
| Memoranda: | ||
| Average total assets | $41,132,500 | 7,053 |
| Average earning assets | $38,871,500 | 6,979 |
| Average equity | $5,163,000 | 6,798 |
| Average total loans | $25,001,000 | 6,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2103% | 5,605 |
| Cost of funding earning assets | 0.9663% | 7,270 |
| Net interest margin | 4.2440% | 1,922 |
| Noninterest income to average assets | 0.2699% | 6,189 |
| Noninterest expense to average assets | 2.5070% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8071% | 355 |
| Return on assets (ROA) | 1.8071% | 366 |
| Pretax return on assets | 1.8246% | 601 |
| Return on Equity (ROE) | 13.9856% | 783 |
| Retained earnings to average equity (ytd only) | 3.0563% | 3,020 |
| Net charge-offs to loans | 0.1229% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 909 |
| Efficiency ratio | 57.8765% | 6,783 |
| Assets per employee ($millions) | 3.2264% | 5,661 |
| Cash dividends to net income (ytd only)* | 78.1466% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 3,692 |
| Loan loss allowance to noncurrent loans | 49.3134% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.9097% | 3,516 |
| Noncurrent loans to loans | 3.0531% | 2,521 |
| Net loans and leases to total assets | 61.6098% | 5,078 |
| Net loans and leases to deposits | 70.6521% | 5,517 |
| Net loans and leases to core deposits | 76.2992% | 6,377 |
| Total domestic deposits to total assets | 87.2017% | 2,388 |
| Equity capital to assets | 12.5933% | 1,707 |
| Core capital (leverage) ratio | 12.5264% | 1,444 |
| Tier 1 risk-based capital ratio | 17.6910% | 1,974 |
| Total risk-based capital ratio | 18.9425% | 1,928 |
| Memoranda: | ||
| Average total assets | $40,008,400 | 7,091 |
| Average earning assets | $38,289,800 | 7,004 |
| Average equity | $5,169,600 | 6,882 |
| Average total loans | $24,410,000 | 6,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 5,640 |
| Cost of funding earning assets | 1.0216% | 7,343 |
| Net interest margin | 4.2372% | 1,917 |
| Noninterest income to average assets | 0.2766% | 6,259 |
| Noninterest expense to average assets | 2.5064% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8182% | 425 |
| Return on assets (ROA) | 1.8182% | 453 |
| Pretax return on assets | 1.8418% | 742 |
| Return on Equity (ROE) | 13.9774% | 936 |
| Retained earnings to average equity (ytd only) | 0.7521% | 4,868 |
| Net charge-offs to loans | 0.1280% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 23.7359% | 1,109 |
| Efficiency ratio | 57.6416% | 6,768 |
| Assets per employee ($millions) | 3.1079% | 5,888 |
| Cash dividends to net income (ytd only)* | 94.6191% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,848 |
| Loan loss allowance to noncurrent loans | 53.1044% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.8736% | 3,549 |
| Noncurrent loans to loans | 3.0884% | 2,445 |
| Net loans and leases to total assets | 59.6713% | 5,632 |
| Net loans and leases to deposits | 68.7101% | 6,065 |
| Net loans and leases to core deposits | 75.9506% | 6,617 |
| Total domestic deposits to total assets | 86.8450% | 2,258 |
| Equity capital to assets | 12.8382% | 1,763 |
| Core capital (leverage) ratio | 12.7724% | 1,457 |
| Tier 1 risk-based capital ratio | 18.3766% | 1,895 |
| Total risk-based capital ratio | 19.6301% | 1,845 |
| Memoranda: | ||
| Average total assets | $39,524,750 | 7,174 |
| Average earning assets | $37,980,250 | 7,071 |
| Average equity | $5,141,500 | 6,955 |
| Average total loans | $23,953,500 | 7,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4979% | 4,649 |
| Cost of funding earning assets | 1.0773% | 7,421 |
| Net interest margin | 4.4206% | 1,361 |
| Noninterest income to average assets | 0.2702% | 6,337 |
| Noninterest expense to average assets | 2.4266% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0544% | 262 |
| Return on assets (ROA) | 2.0544% | 285 |
| Pretax return on assets | 2.0901% | 446 |
| Return on Equity (ROE) | 15.7227% | 729 |
| Retained earnings to average equity (ytd only) | -1.6386% | 5,656 |
| Net charge-offs to loans | 0.0589% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 58.5714% | 609 |
| Efficiency ratio | 53.7246% | 7,358 |
| Assets per employee ($millions) | 2.9612% | 6,233 |
| Cash dividends to net income (ytd only)* | 110.4218% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 2,090 |
| Loan loss allowance to noncurrent loans | 51.6687% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.1016% | 3,059 |
| Noncurrent loans to loans | 3.4556% | 2,034 |
| Net loans and leases to total assets | 59.7298% | 5,725 |
| Net loans and leases to deposits | 69.1768% | 6,073 |
| Net loans and leases to core deposits | 77.6791% | 6,561 |
| Total domestic deposits to total assets | 86.3437% | 2,602 |
| Equity capital to assets | 13.2641% | 1,576 |
| Core capital (leverage) ratio | 12.9295% | 1,458 |
| Tier 1 risk-based capital ratio | 19.0541% | 1,768 |
| Total risk-based capital ratio | 20.3077% | 1,719 |
| Memoranda: | ||
| Average total assets | $39,232,000 | 7,246 |
| Average earning assets | $37,687,330 | 7,148 |
| Average equity | $5,126,330 | 7,018 |
| Average total loans | $23,767,670 | 7,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 3,727 |
| Cost of funding earning assets | 1.1175% | 7,489 |
| Net interest margin | 4.5964% | 945 |
| Noninterest income to average assets | 0.2525% | 6,439 |
| Noninterest expense to average assets | 2.1818% | 6,916 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.4141% | 152 |
| Return on assets (ROA) | 2.4141% | 182 |
| Pretax return on assets | 2.4747% | 271 |
| Return on Equity (ROE) | 18.6119% | 539 |
| Retained earnings to average equity (ytd only) | -8.6440% | 6,977 |
| Net charge-offs to loans | 0.1002% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 835 |
| Efficiency ratio | 46.8547% | 7,800 |
| Assets per employee ($millions) | 2.9485% | 6,292 |
| Cash dividends to net income (ytd only)* | 146.4435% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 1,699 |
| Loan loss allowance to noncurrent loans | 55.0591% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.9853% | 2,926 |
| Noncurrent loans to loans | 3.3882% | 1,893 |
| Net loans and leases to total assets | 57.5018% | 6,024 |
| Net loans and leases to deposits | 66.4847% | 6,334 |
| Net loans and leases to core deposits | 74.6748% | 6,764 |
| Total domestic deposits to total assets | 86.4887% | 2,450 |
| Equity capital to assets | 13.2191% | 1,649 |
| Core capital (leverage) ratio | 12.6186% | 1,637 |
| Tier 1 risk-based capital ratio | 19.3514% | 1,744 |
| Total risk-based capital ratio | 20.6071% | 1,698 |
| Memoranda: | ||
| Average total assets | $39,600,500 | 7,270 |
| Average earning assets | $37,942,500 | 7,172 |
| Average equity | $5,136,500 | 7,067 |
| Average total loans | $23,946,000 | 7,133 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9101% | 5,987 |
| Cost of funding earning assets | 1.6043% | 7,440 |
| Net interest margin | 4.3058% | 1,952 |
| Noninterest income to average assets | 0.2953% | 6,350 |
| Noninterest expense to average assets | 2.5388% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8613% | 476 |
| Return on assets (ROA) | 1.8613% | 462 |
| Pretax return on assets | 1.8745% | 808 |
| Return on Equity (ROE) | 13.9460% | 1,120 |
| Retained earnings to average equity (ytd only) | 1.0074% | 4,624 |
| Net charge-offs to loans | 0.0088% | 6,806 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 355.5000% | 137 |
| Efficiency ratio | 57.5269% | 6,772 |
| Assets per employee ($millions) | 3.1438% | 5,640 |
| Cash dividends to net income (ytd only)* | 92.7762% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,994 |
| Loan loss allowance to noncurrent loans | 45.7974% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 2.2706% | 2,146 |
| Noncurrent loans to loans | 3.6489% | 1,385 |
| Net loans and leases to total assets | 61.1867% | 5,741 |
| Net loans and leases to deposits | 70.5277% | 6,216 |
| Net loans and leases to core deposits | 77.0489% | 6,790 |
| Total domestic deposits to total assets | 86.7556% | 2,062 |
| Equity capital to assets | 12.7379% | 1,898 |
| Core capital (leverage) ratio | 11.5905% | 2,197 |
| Tier 1 risk-based capital ratio | 17.7474% | 2,105 |
| Total risk-based capital ratio | 19.0000% | 2,042 |
| Memoranda: | ||
| Average total assets | $37,931,000 | 7,304 |
| Average earning assets | $36,276,600 | 7,234 |
| Average equity | $5,062,400 | 7,125 |
| Average total loans | $22,694,800 | 7,153 |