Home > Farmers and Merchants State Bank of Blooming Prairie > Performance and Condition Ratios
Farmers and Merchants State Bank of Blooming Prairie, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 558 |
| Cost of funding earning assets | 0.1788% | 3,959 |
| Net interest margin | 4.4909% | 358 |
| Noninterest income to average assets | 0.2242% | 4,058 |
| Noninterest expense to average assets | 2.2908% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2011% | 339 |
| Return on assets (ROA) | 2.2104% | 354 |
| Pretax return on assets | 2.2123% | 564 |
| Return on Equity (ROE) | 29.1655% | 109 |
| Retained earnings to average equity (ytd only) | 10.7737% | 1,178 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9771% | 4,147 |
| Assets per employee ($millions) | 4.8597% | 3,779 |
| Cash dividends to net income (ytd only)* | 63.0600% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,290 |
| Loan loss allowance to noncurrent loans | 306.1983% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,849 |
| Noncurrent loans to loans | 0.3690% | 2,576 |
| Net loans and leases to total assets | 58.0045% | 2,669 |
| Net loans and leases to deposits | 63.7528% | 3,027 |
| Net loans and leases to core deposits | 64.8742% | 3,200 |
| Total domestic deposits to total assets | 90.9836% | 383 |
| Equity capital to assets | 7.5608% | 4,716 |
| Core capital (leverage) ratio | 7.5574% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1649% | 1,572 |
| Memoranda: | ||
| Average total assets | $107,038,667 | 3,987 |
| Average earning assets | $101,762,000 | 3,956 |
| Average equity | $8,112,333 | 4,404 |
| Average total loans | $65,978,333 | 3,795 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 2,167 |
| Cost of funding earning assets | 0.1971% | 3,941 |
| Net interest margin | 3.5796% | 1,635 |
| Noninterest income to average assets | 0.2216% | 4,054 |
| Noninterest expense to average assets | 2.2661% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3528% | 1,675 |
| Return on assets (ROA) | 1.3681% | 1,723 |
| Pretax return on assets | 1.3719% | 2,363 |
| Return on Equity (ROE) | 18.0285% | 725 |
| Retained earnings to average equity (ytd only) | -7.1510% | 4,752 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5527% | 2,665 |
| Assets per employee ($millions) | 4.7542% | 3,881 |
| Cash dividends to net income (ytd only)* | 139.6648% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,395 |
| Loan loss allowance to noncurrent loans | 302.4490% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,029 |
| Noncurrent loans to loans | 0.3660% | 2,775 |
| Net loans and leases to total assets | 60.5436% | 2,473 |
| Net loans and leases to deposits | 66.3673% | 2,882 |
| Net loans and leases to core deposits | 67.5531% | 3,099 |
| Total domestic deposits to total assets | 91.2251% | 320 |
| Equity capital to assets | 7.1992% | 4,799 |
| Core capital (leverage) ratio | 7.3691% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7015% | 1,672 |
| Memoranda: | ||
| Average total assets | $104,671,000 | 4,020 |
| Average earning assets | $99,452,000 | 3,985 |
| Average equity | $7,943,000 | 4,436 |
| Average total loans | $66,180,000 | 3,810 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 490 |
| Cost of funding earning assets | 0.4381% | 3,360 |
| Net interest margin | 4.5603% | 289 |
| Noninterest income to average assets | 0.2450% | 4,020 |
| Noninterest expense to average assets | 2.5582% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.9802% | 275 |
| Return on assets (ROA) | 1.9760% | 297 |
| Pretax return on assets | 1.9770% | 475 |
| Return on Equity (ROE) | 24.7508% | 115 |
| Retained earnings to average equity (ytd only) | 7.2272% | 1,306 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3552% | 3,944 |
| Assets per employee ($millions) | 4.3477% | 4,076 |
| Cash dividends to net income (ytd only)* | 70.8002% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,297 |
| Loan loss allowance to noncurrent loans | 217.3021% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 2,627 |
| Noncurrent loans to loans | 0.5213% | 2,414 |
| Net loans and leases to total assets | 64.6786% | 2,278 |
| Net loans and leases to deposits | 71.6584% | 2,718 |
| Net loans and leases to core deposits | 73.0761% | 2,992 |
| Total domestic deposits to total assets | 90.2596% | 464 |
| Equity capital to assets | 8.0143% | 4,700 |
| Core capital (leverage) ratio | 7.8977% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2468% | 1,763 |
| Memoranda: | ||
| Average total assets | $95,497,000 | 4,050 |
| Average earning assets | $89,927,800 | 4,029 |
| Average equity | $7,624,000 | 4,463 |
| Average total loans | $69,728,600 | 3,745 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 495 |
| Cost of funding earning assets | 0.4996% | 3,230 |
| Net interest margin | 4.6074% | 303 |
| Noninterest income to average assets | 0.2331% | 4,102 |
| Noninterest expense to average assets | 2.4456% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1122% | 238 |
| Return on assets (ROA) | 2.1037% | 260 |
| Pretax return on assets | 2.1051% | 412 |
| Return on Equity (ROE) | 26.3772% | 101 |
| Retained earnings to average equity (ytd only) | 6.3950% | 1,926 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6412% | 4,191 |
| Assets per employee ($millions) | 4.3852% | 3,968 |
| Cash dividends to net income (ytd only)* | 75.7555% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,591 |
| Loan loss allowance to noncurrent loans | 221.1940% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 2,816 |
| Noncurrent loans to loans | 0.4633% | 2,665 |
| Net loans and leases to total assets | 70.9505% | 1,824 |
| Net loans and leases to deposits | 78.4004% | 2,499 |
| Net loans and leases to core deposits | 80.1631% | 2,825 |
| Total domestic deposits to total assets | 90.4976% | 284 |
| Equity capital to assets | 7.7574% | 4,791 |
| Core capital (leverage) ratio | 7.7872% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6694% | 1,942 |
| Memoranda: | ||
| Average total assets | $94,372,250 | 4,066 |
| Average earning assets | $88,608,250 | 4,048 |
| Average equity | $7,526,500 | 4,496 |
| Average total loans | $70,806,500 | 3,736 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 645 |
| Cost of funding earning assets | 0.5804% | 3,082 |
| Net interest margin | 4.5547% | 447 |
| Noninterest income to average assets | 0.2429% | 4,029 |
| Noninterest expense to average assets | 2.4401% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0562% | 293 |
| Return on assets (ROA) | 2.0432% | 335 |
| Pretax return on assets | 2.0453% | 497 |
| Return on Equity (ROE) | 25.3658% | 111 |
| Retained earnings to average equity (ytd only) | 0.9425% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2430% | 4,155 |
| Assets per employee ($millions) | 4.3047% | 3,993 |
| Cash dividends to net income (ytd only)* | 96.2845% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,601 |
| Loan loss allowance to noncurrent loans | 214.7826% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 2,897 |
| Noncurrent loans to loans | 0.4632% | 2,753 |
| Net loans and leases to total assets | 74.4718% | 1,345 |
| Net loans and leases to deposits | 82.1144% | 2,195 |
| Net loans and leases to core deposits | 83.9774% | 2,603 |
| Total domestic deposits to total assets | 90.6927% | 225 |
| Equity capital to assets | 7.5731% | 4,859 |
| Core capital (leverage) ratio | 7.9534% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2447% | 2,502 |
| Memoranda: | ||
| Average total assets | $92,210,000 | 4,095 |
| Average earning assets | $86,153,333 | 4,074 |
| Average equity | $7,427,333 | 4,527 |
| Average total loans | $70,308,333 | 3,750 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4542% | 410 |
| Cost of funding earning assets | 0.7606% | 2,605 |
| Net interest margin | 4.6936% | 335 |
| Noninterest income to average assets | 0.2837% | 3,824 |
| Noninterest expense to average assets | 2.5763% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0943% | 226 |
| Return on assets (ROA) | 2.0628% | 264 |
| Pretax return on assets | 2.0673% | 392 |
| Return on Equity (ROE) | 24.7835% | 70 |
| Retained earnings to average equity (ytd only) | -7.6840% | 4,675 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1060% | 4,294 |
| Assets per employee ($millions) | 3.8513% | 4,117 |
| Cash dividends to net income (ytd only)* | 131.0044% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,326 |
| Loan loss allowance to noncurrent loans | 253.7671% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,126 |
| Noncurrent loans to loans | 0.4242% | 2,972 |
| Net loans and leases to total assets | 76.8765% | 1,155 |
| Net loans and leases to deposits | 85.6751% | 2,038 |
| Net loans and leases to core deposits | 87.5825% | 2,555 |
| Total domestic deposits to total assets | 89.7303% | 404 |
| Equity capital to assets | 8.2648% | 4,908 |
| Core capital (leverage) ratio | 8.2465% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8585% | 2,769 |
| Memoranda: | ||
| Average total assets | $88,811,000 | 4,142 |
| Average earning assets | $83,092,500 | 4,125 |
| Average equity | $7,392,000 | 4,566 |
| Average total loans | $68,225,500 | 3,798 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5516% | 511 |
| Cost of funding earning assets | 0.9596% | 1,910 |
| Net interest margin | 4.5920% | 585 |
| Noninterest income to average assets | 0.4182% | 3,185 |
| Noninterest expense to average assets | 2.7053% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0103% | 341 |
| Return on assets (ROA) | 2.0278% | 345 |
| Pretax return on assets | 2.0290% | 566 |
| Return on Equity (ROE) | 24.4362% | 86 |
| Retained earnings to average equity (ytd only) | 10.5008% | 398 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3551% | 4,043 |
| Assets per employee ($millions) | 3.8713% | 4,058 |
| Cash dividends to net income (ytd only)* | 57.0276% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 2,975 |
| Loan loss allowance to noncurrent loans | 253.7671% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 3,107 |
| Noncurrent loans to loans | 0.4319% | 2,899 |
| Net loans and leases to total assets | 75.1014% | 1,568 |
| Net loans and leases to deposits | 83.7636% | 2,359 |
| Net loans and leases to core deposits | 85.6135% | 2,815 |
| Total domestic deposits to total assets | 89.6587% | 446 |
| Equity capital to assets | 8.3815% | 4,958 |
| Core capital (leverage) ratio | 8.4521% | 4,864 |
| Tier 1 risk-based capital ratio | 12.2547% | 4,212 |
| Total risk-based capital ratio | 13.4715% | 4,107 |
| Memoranda: | ||
| Average total assets | $85,608,600 | 4,208 |
| Average earning assets | $80,139,000 | 4,187 |
| Average equity | $7,104,200 | 4,626 |
| Average total loans | $66,324,400 | 3,853 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 544 |
| Cost of funding earning assets | 0.9947% | 1,786 |
| Net interest margin | 4.5519% | 684 |
| Noninterest income to average assets | 0.4562% | 2,986 |
| Noninterest expense to average assets | 2.4479% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2686% | 239 |
| Return on assets (ROA) | 2.2670% | 254 |
| Pretax return on assets | 2.2686% | 397 |
| Return on Equity (ROE) | 27.3903% | 59 |
| Retained earnings to average equity (ytd only) | 12.2600% | 354 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8840% | 4,603 |
| Assets per employee ($millions) | 3.8439% | 4,110 |
| Cash dividends to net income (ytd only)* | 55.2394% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 3,019 |
| Loan loss allowance to noncurrent loans | 244.5545% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,148 |
| Noncurrent loans to loans | 0.4506% | 2,955 |
| Net loans and leases to total assets | 75.2132% | 1,615 |
| Net loans and leases to deposits | 83.8664% | 2,473 |
| Net loans and leases to core deposits | 85.1716% | 2,975 |
| Total domestic deposits to total assets | 89.6822% | 380 |
| Equity capital to assets | 8.3441% | 5,051 |
| Core capital (leverage) ratio | 8.5768% | 4,904 |
| Tier 1 risk-based capital ratio | 11.9464% | 4,438 |
| Total risk-based capital ratio | 13.1463% | 4,354 |
| Memoranda: | ||
| Average total assets | $84,750,500 | 4,270 |
| Average earning assets | $79,349,000 | 4,250 |
| Average equity | $7,014,500 | 4,696 |
| Average total loans | $66,002,500 | 3,901 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4843% | 583 |
| Cost of funding earning assets | 0.9960% | 1,715 |
| Net interest margin | 4.4883% | 787 |
| Noninterest income to average assets | 0.5363% | 2,463 |
| Noninterest expense to average assets | 2.4709% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2818% | 224 |
| Return on assets (ROA) | 2.2818% | 233 |
| Pretax return on assets | 2.2842% | 371 |
| Return on Equity (ROE) | 27.6486% | 59 |
| Retained earnings to average equity (ytd only) | 10.0672% | 736 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9637% | 4,657 |
| Assets per employee ($millions) | 3.6879% | 4,262 |
| Cash dividends to net income (ytd only)* | 63.5887% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,045 |
| Loan loss allowance to noncurrent loans | 233.0189% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,012 |
| Noncurrent loans to loans | 0.4744% | 2,856 |
| Net loans and leases to total assets | 78.1575% | 1,193 |
| Net loans and leases to deposits | 87.2381% | 2,097 |
| Net loans and leases to core deposits | 88.6378% | 2,735 |
| Total domestic deposits to total assets | 89.5910% | 452 |
| Equity capital to assets | 8.3446% | 5,098 |
| Core capital (leverage) ratio | 8.4231% | 4,993 |
| Tier 1 risk-based capital ratio | 11.4854% | 4,691 |
| Total risk-based capital ratio | 12.6878% | 4,609 |
| Memoranda: | ||
| Average total assets | $83,530,670 | 4,316 |
| Average earning assets | $78,515,330 | 4,287 |
| Average equity | $6,893,670 | 4,740 |
| Average total loans | $65,591,000 | 3,933 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3953% | 637 |
| Cost of funding earning assets | 0.9591% | 1,752 |
| Net interest margin | 4.4363% | 830 |
| Noninterest income to average assets | 0.5888% | 2,101 |
| Noninterest expense to average assets | 2.4950% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2634% | 234 |
| Return on assets (ROA) | 2.2634% | 244 |
| Pretax return on assets | 2.2682% | 382 |
| Return on Equity (ROE) | 27.5822% | 67 |
| Retained earnings to average equity (ytd only) | 9.9390% | 1,052 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3810% | 4,670 |
| Assets per employee ($millions) | 3.9739% | 3,964 |
| Cash dividends to net income (ytd only)* | 63.9659% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 2,874 |
| Loan loss allowance to noncurrent loans | 108.1752% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 1,368 |
| Noncurrent loans to loans | 1.0601% | 1,574 |
| Net loans and leases to total assets | 76.5443% | 1,393 |
| Net loans and leases to deposits | 85.4051% | 2,196 |
| Net loans and leases to core deposits | 86.7906% | 2,795 |
| Total domestic deposits to total assets | 89.6250% | 589 |
| Equity capital to assets | 8.2515% | 5,107 |
| Core capital (leverage) ratio | 8.3371% | 5,092 |
| Tier 1 risk-based capital ratio | 11.6451% | 4,662 |
| Total risk-based capital ratio | 12.8949% | 4,537 |
| Memoranda: | ||
| Average total assets | $82,885,500 | 4,367 |
| Average earning assets | $77,993,500 | 4,338 |
| Average equity | $6,801,500 | 4,786 |
| Average total loans | $64,869,000 | 3,995 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 524 |
| Cost of funding earning assets | 0.8545% | 1,281 |
| Net interest margin | 4.5049% | 756 |
| Noninterest income to average assets | 0.3475% | 3,784 |
| Noninterest expense to average assets | 2.7170% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7996% | 550 |
| Return on assets (ROA) | 1.7996% | 543 |
| Pretax return on assets | 1.8008% | 916 |
| Return on Equity (ROE) | 23.1493% | 125 |
| Retained earnings to average equity (ytd only) | 12.4265% | 285 |
| Net charge-offs to loans | -0.0030% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1399% | 3,836 |
| Assets per employee ($millions) | 3.9200% | 4,012 |
| Cash dividends to net income (ytd only)* | 46.3201% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,885 |
| Loan loss allowance to noncurrent loans | 233.0189% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,262 |
| Noncurrent loans to loans | 0.4883% | 2,810 |
| Net loans and leases to total assets | 78.2058% | 1,245 |
| Net loans and leases to deposits | 87.1234% | 2,153 |
| Net loans and leases to core deposits | 88.5531% | 2,700 |
| Total domestic deposits to total assets | 89.7643% | 552 |
| Equity capital to assets | 8.1596% | 5,101 |
| Core capital (leverage) ratio | 8.1363% | 5,194 |
| Tier 1 risk-based capital ratio | 11.2877% | 4,819 |
| Total risk-based capital ratio | 12.5330% | 4,736 |
| Memoranda: | ||
| Average total assets | $82,296,200 | 4,396 |
| Average earning assets | $76,183,400 | 4,374 |
| Average equity | $6,397,600 | 4,840 |
| Average total loans | $66,420,600 | 3,953 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 514 |
| Cost of funding earning assets | 0.8301% | 1,196 |
| Net interest margin | 4.4787% | 775 |
| Noninterest income to average assets | 0.3500% | 3,796 |
| Noninterest expense to average assets | 2.4984% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9848% | 396 |
| Return on assets (ROA) | 1.9848% | 390 |
| Pretax return on assets | 1.9864% | 639 |
| Return on Equity (ROE) | 25.8524% | 74 |
| Retained earnings to average equity (ytd only) | 14.9417% | 180 |
| Net charge-offs to loans | -0.0040% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7081% | 4,418 |
| Assets per employee ($millions) | 3.8604% | 4,094 |
| Cash dividends to net income (ytd only)* | 42.2044% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,174 |
| Loan loss allowance to noncurrent loans | 950.0000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,483 |
| Noncurrent loans to loans | 0.1161% | 4,369 |
| Net loans and leases to total assets | 81.9460% | 727 |
| Net loans and leases to deposits | 91.5155% | 1,689 |
| Net loans and leases to core deposits | 93.0446% | 2,388 |
| Total domestic deposits to total assets | 89.5433% | 660 |
| Equity capital to assets | 8.1783% | 5,098 |
| Core capital (leverage) ratio | 8.2236% | 5,237 |
| Tier 1 risk-based capital ratio | 10.9210% | 5,075 |
| Total risk-based capital ratio | 12.1415% | 4,992 |
| Memoranda: | ||
| Average total assets | $82,290,250 | 4,437 |
| Average earning assets | $75,971,750 | 4,426 |
| Average equity | $6,317,750 | 4,902 |
| Average total loans | $66,745,750 | 3,980 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 692 |
| Cost of funding earning assets | 0.8053% | 1,103 |
| Net interest margin | 4.2695% | 1,108 |
| Noninterest income to average assets | 0.3652% | 3,713 |
| Noninterest expense to average assets | 2.5103% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8017% | 579 |
| Return on assets (ROA) | 1.8017% | 583 |
| Pretax return on assets | 1.8042% | 952 |
| Return on Equity (ROE) | 23.9794% | 106 |
| Retained earnings to average equity (ytd only) | 16.3189% | 144 |
| Net charge-offs to loans | -0.0060% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1839% | 4,201 |
| Assets per employee ($millions) | 3.9024% | 4,052 |
| Cash dividends to net income (ytd only)* | 31.9463% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,233 |
| Loan loss allowance to noncurrent loans | 92.5094% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 1,217 |
| Noncurrent loans to loans | 1.1936% | 1,456 |
| Net loans and leases to total assets | 80.9860% | 860 |
| Net loans and leases to deposits | 89.9551% | 1,845 |
| Net loans and leases to core deposits | 95.3687% | 2,118 |
| Total domestic deposits to total assets | 90.0293% | 563 |
| Equity capital to assets | 7.8450% | 5,283 |
| Core capital (leverage) ratio | 7.8184% | 5,394 |
| Tier 1 risk-based capital ratio | 10.5707% | 5,242 |
| Total risk-based capital ratio | 11.7891% | 5,154 |
| Memoranda: | ||
| Average total assets | $82,697,670 | 4,474 |
| Average earning assets | $76,495,330 | 4,461 |
| Average equity | $6,213,670 | 4,971 |
| Average total loans | $66,603,330 | 4,007 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0058% | 693 |
| Cost of funding earning assets | 0.7665% | 1,112 |
| Net interest margin | 4.2393% | 1,081 |
| Noninterest income to average assets | 0.3900% | 3,541 |
| Noninterest expense to average assets | 2.5328% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7720% | 589 |
| Return on assets (ROA) | 1.7720% | 597 |
| Pretax return on assets | 1.7720% | 962 |
| Return on Equity (ROE) | 24.1074% | 103 |
| Retained earnings to average equity (ytd only) | 24.1074% | 51 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8367% | 4,242 |
| Assets per employee ($millions) | 3.9637% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,139 |
| Loan loss allowance to noncurrent loans | 101.2329% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 1,344 |
| Noncurrent loans to loans | 1.1266% | 1,627 |
| Net loans and leases to total assets | 76.9598% | 1,394 |
| Net loans and leases to deposits | 85.1667% | 2,277 |
| Net loans and leases to core deposits | 90.1820% | 2,435 |
| Total domestic deposits to total assets | 90.3637% | 513 |
| Equity capital to assets | 7.5567% | 5,401 |
| Core capital (leverage) ratio | 7.5544% | 5,505 |
| Tier 1 risk-based capital ratio | 10.7338% | 5,269 |
| Total risk-based capital ratio | 11.9829% | 5,163 |
| Memoranda: | ||
| Average total assets | $83,071,500 | 4,516 |
| Average earning assets | $76,710,500 | 4,515 |
| Average equity | $6,106,000 | 5,039 |
| Average total loans | $66,350,500 | 4,050 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 790 |
| Cost of funding earning assets | 0.5462% | 1,983 |
| Net interest margin | 4.3575% | 849 |
| Noninterest income to average assets | 0.3348% | 4,070 |
| Noninterest expense to average assets | 2.8060% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5593% | 705 |
| Return on assets (ROA) | 1.5593% | 717 |
| Pretax return on assets | 1.5606% | 1,417 |
| Return on Equity (ROE) | 22.8268% | 101 |
| Retained earnings to average equity (ytd only) | 15.8811% | 71 |
| Net charge-offs to loans | 0.0397% | 3,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 48.5769% | 1,109 |
| Efficiency ratio | 64.2615% | 3,568 |
| Assets per employee ($millions) | 4.1453% | 3,750 |
| Cash dividends to net income (ytd only)* | 30.4279% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,414 |
| Loan loss allowance to noncurrent loans | 100.5442% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 1,287 |
| Noncurrent loans to loans | 1.0824% | 1,642 |
| Net loans and leases to total assets | 81.0122% | 833 |
| Net loans and leases to deposits | 89.2343% | 1,864 |
| Net loans and leases to core deposits | 94.4854% | 2,152 |
| Total domestic deposits to total assets | 90.7860% | 302 |
| Equity capital to assets | 7.1430% | 5,576 |
| Core capital (leverage) ratio | 7.0778% | 5,595 |
| Tier 1 risk-based capital ratio | 9.6066% | 5,592 |
| Total risk-based capital ratio | 10.8054% | 5,577 |
| Memoranda: | ||
| Average total assets | $80,932,400 | 4,570 |
| Average earning assets | $74,881,800 | 4,567 |
| Average equity | $5,528,600 | 5,178 |
| Average total loans | $65,521,600 | 4,062 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 889 |
| Cost of funding earning assets | 0.4906% | 2,349 |
| Net interest margin | 4.3298% | 856 |
| Noninterest income to average assets | 0.3315% | 4,166 |
| Noninterest expense to average assets | 2.6288% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7089% | 570 |
| Return on assets (ROA) | 1.7089% | 581 |
| Pretax return on assets | 1.7106% | 1,095 |
| Return on Equity (ROE) | 25.3143% | 74 |
| Retained earnings to average equity (ytd only) | 18.7831% | 62 |
| Net charge-offs to loans | 0.0472% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 44.8637% | 1,205 |
| Efficiency ratio | 60.5806% | 4,122 |
| Assets per employee ($millions) | 4.0660% | 3,874 |
| Cash dividends to net income (ytd only)* | 25.8004% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,523 |
| Loan loss allowance to noncurrent loans | 85.6813% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 1,271 |
| Noncurrent loans to loans | 1.2760% | 1,506 |
| Net loans and leases to total assets | 82.5490% | 599 |
| Net loans and leases to deposits | 90.9606% | 1,695 |
| Net loans and leases to core deposits | 96.4261% | 2,028 |
| Total domestic deposits to total assets | 90.7525% | 241 |
| Equity capital to assets | 7.1435% | 5,653 |
| Core capital (leverage) ratio | 7.1757% | 5,657 |
| Tier 1 risk-based capital ratio | 9.4641% | 5,676 |
| Total risk-based capital ratio | 10.6730% | 5,659 |
| Memoranda: | ||
| Average total assets | $80,439,000 | 4,624 |
| Average earning assets | $74,459,250 | 4,622 |
| Average equity | $5,430,250 | 5,256 |
| Average total loans | $64,926,250 | 4,105 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,049 |
| Cost of funding earning assets | 0.4280% | 2,823 |
| Net interest margin | 4.2749% | 922 |
| Noninterest income to average assets | 0.3768% | 3,859 |
| Noninterest expense to average assets | 2.7151% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6220% | 662 |
| Return on assets (ROA) | 1.6220% | 687 |
| Pretax return on assets | 1.6245% | 1,264 |
| Return on Equity (ROE) | 24.5098% | 86 |
| Retained earnings to average equity (ytd only) | 18.5897% | 70 |
| Net charge-offs to loans | 0.0469% | 2,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 1,192 |
| Efficiency ratio | 62.5647% | 3,898 |
| Assets per employee ($millions) | 3.9645% | 4,017 |
| Cash dividends to net income (ytd only)* | 24.1538% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,387 |
| Loan loss allowance to noncurrent loans | 65.3880% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6623% | 891 |
| Noncurrent loans to loans | 1.7381% | 1,042 |
| Net loans and leases to total assets | 82.2840% | 628 |
| Net loans and leases to deposits | 94.8313% | 1,192 |
| Net loans and leases to core deposits | 95.6194% | 2,013 |
| Total domestic deposits to total assets | 86.7688% | 2,056 |
| Equity capital to assets | 6.9832% | 5,708 |
| Core capital (leverage) ratio | 7.2134% | 5,691 |
| Tier 1 risk-based capital ratio | 9.1952% | 5,731 |
| Total risk-based capital ratio | 10.4407% | 5,725 |
| Memoranda: | ||
| Average total assets | $80,145,670 | 4,663 |
| Average earning assets | $74,294,000 | 4,650 |
| Average equity | $5,304,000 | 5,312 |
| Average total loans | $63,945,000 | 4,149 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 1,280 |
| Cost of funding earning assets | 0.3724% | 3,283 |
| Net interest margin | 4.1659% | 1,054 |
| Noninterest income to average assets | 0.4021% | 3,646 |
| Noninterest expense to average assets | 2.8645% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4248% | 946 |
| Return on assets (ROA) | 1.4248% | 971 |
| Pretax return on assets | 1.4248% | 1,789 |
| Return on Equity (ROE) | 22.1301% | 149 |
| Retained earnings to average equity (ytd only) | 22.1301% | 77 |
| Net charge-offs to loans | 0.0318% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.4000% | 829 |
| Efficiency ratio | 66.7824% | 3,368 |
| Assets per employee ($millions) | 3.9142% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,123 |
| Loan loss allowance to noncurrent loans | 69.3431% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.6491% | 930 |
| Noncurrent loans to loans | 1.7343% | 1,104 |
| Net loans and leases to total assets | 79.7558% | 862 |
| Net loans and leases to deposits | 87.9578% | 1,802 |
| Net loans and leases to core deposits | 88.3462% | 2,517 |
| Total domestic deposits to total assets | 90.6750% | 400 |
| Equity capital to assets | 6.8098% | 5,774 |
| Core capital (leverage) ratio | 6.7004% | 5,781 |
| Tier 1 risk-based capital ratio | 9.3543% | 5,787 |
| Total risk-based capital ratio | 10.6054% | 5,777 |
| Memoranda: | ||
| Average total assets | $80,573,500 | 4,703 |
| Average earning assets | $75,181,000 | 4,677 |
| Average equity | $5,187,500 | 5,383 |
| Average total loans | $62,921,000 | 4,210 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 792 |
| Cost of funding earning assets | 0.3774% | 3,233 |
| Net interest margin | 4.4805% | 649 |
| Noninterest income to average assets | 0.3081% | 4,531 |
| Noninterest expense to average assets | 5.9037% | 171 |
| Loan and lease loss provision to assets | 0.0921% | 2,516 |
| Net operating income to assets | -1.5211% | 5,865 |
| Return on assets (ROA) | -1.5211% | 5,866 |
| Pretax return on assets | -1.5198% | 5,863 |
| Return on Equity (ROE) | -19.7199% | 5,877 |
| Retained earnings to average equity (ytd only) | -31.6728% | 5,883 |
| Net charge-offs to loans | 0.0776% | 2,577 |
| Credit loss provision to net charge-offs | 144.2308% | 1,899 |
| Earnings coverage of net charge-offs (x) | -22.3654% | 4,260 |
| Efficiency ratio | 131.8980% | 54 |
| Assets per employee ($millions) | 3.9459% | 4,065 |
| Cash dividends to net income (ytd only)* | -60.6134% | 5,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,995 |
| Loan loss allowance to noncurrent loans | 74.0561% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 1,169 |
| Noncurrent loans to loans | 1.6489% | 1,177 |
| Net loans and leases to total assets | 74.6787% | 1,746 |
| Net loans and leases to deposits | 86.4079% | 2,114 |
| Net loans and leases to core deposits | 88.6509% | 2,616 |
| Total domestic deposits to total assets | 86.4258% | 2,406 |
| Equity capital to assets | 6.0872% | 5,854 |
| Core capital (leverage) ratio | 5.9478% | 5,860 |
| Tier 1 risk-based capital ratio | 9.0049% | 5,855 |
| Total risk-based capital ratio | 10.2564% | 5,857 |
| Memoranda: | ||
| Average total assets | $81,456,800 | 4,708 |
| Average earning assets | $75,772,600 | 4,682 |
| Average equity | $6,283,000 | 5,230 |
| Average total loans | $67,019,600 | 4,116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 715 |
| Cost of funding earning assets | 0.3703% | 3,323 |
| Net interest margin | 4.5344% | 580 |
| Noninterest income to average assets | 0.3123% | 4,537 |
| Noninterest expense to average assets | 6.2025% | 158 |
| Loan and lease loss provision to assets | 0.1233% | 1,892 |
| Net operating income to assets | -1.8083% | 5,939 |
| Return on assets (ROA) | -1.8083% | 5,939 |
| Pretax return on assets | -1.8067% | 5,936 |
| Return on Equity (ROE) | -22.2461% | 5,947 |
| Retained earnings to average equity (ytd only) | -37.4342% | 5,954 |
| Net charge-offs to loans | 0.2094% | 1,114 |
| Credit loss provision to net charge-offs | 70.0935% | 2,787 |
| Earnings coverage of net charge-offs (x) | -9.5703% | 3,920 |
| Efficiency ratio | 137.2499% | 51 |
| Assets per employee ($millions) | 3.9564% | 4,043 |
| Cash dividends to net income (ytd only)* | -68.2728% | 5,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,977 |
| Loan loss allowance to noncurrent loans | 48.8644% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.0895% | 732 |
| Noncurrent loans to loans | 2.2018% | 847 |
| Net loans and leases to total assets | 78.5711% | 1,104 |
| Net loans and leases to deposits | 94.8810% | 1,161 |
| Net loans and leases to core deposits | 97.4474% | 1,867 |
| Total domestic deposits to total assets | 82.8102% | 3,664 |
| Equity capital to assets | 6.2383% | 5,926 |
| Core capital (leverage) ratio | 6.2049% | 5,920 |
| Tier 1 risk-based capital ratio | 8.5252% | 5,934 |
| Total risk-based capital ratio | 9.6931% | 5,933 |
| Memoranda: | ||
| Average total assets | $81,105,250 | 4,753 |
| Average earning assets | $75,245,500 | 4,735 |
| Average equity | $6,592,750 | 5,218 |
| Average total loans | $68,113,000 | 4,120 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 680 |
| Cost of funding earning assets | 0.3574% | 3,479 |
| Net interest margin | 4.5686% | 536 |
| Noninterest income to average assets | 0.3008% | 4,636 |
| Noninterest expense to average assets | 2.3743% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1505% | 246 |
| Return on assets (ROA) | 2.1505% | 260 |
| Pretax return on assets | 2.1530% | 412 |
| Return on Equity (ROE) | 24.4950% | 96 |
| Retained earnings to average equity (ytd only) | 3.2282% | 3,837 |
| Net charge-offs to loans | 0.0058% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 433.0000% | 159 |
| Efficiency ratio | 52.4437% | 5,421 |
| Assets per employee ($millions) | 3.9708% | 3,968 |
| Cash dividends to net income (ytd only)* | 86.8208% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 4,358 |
| Loan loss allowance to noncurrent loans | 94.8718% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 1,668 |
| Noncurrent loans to loans | 1.0838% | 2,122 |
| Net loans and leases to total assets | 85.4162% | 296 |
| Net loans and leases to deposits | 103.8598% | 467 |
| Net loans and leases to core deposits | 107.0810% | 1,097 |
| Total domestic deposits to total assets | 82.2418% | 3,925 |
| Equity capital to assets | 8.5721% | 5,555 |
| Core capital (leverage) ratio | 8.7807% | 5,084 |
| Tier 1 risk-based capital ratio | 11.1125% | 5,360 |
| Total risk-based capital ratio | 12.2629% | 5,338 |
| Memoranda: | ||
| Average total assets | $80,445,670 | 4,806 |
| Average earning assets | $74,420,330 | 4,793 |
| Average equity | $7,062,670 | 5,181 |
| Average total loans | $68,820,670 | 4,120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 693 |
| Cost of funding earning assets | 0.3602% | 3,499 |
| Net interest margin | 4.5405% | 565 |
| Noninterest income to average assets | 0.3799% | 3,989 |
| Noninterest expense to average assets | 2.4514% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1374% | 255 |
| Return on assets (ROA) | 2.1374% | 270 |
| Pretax return on assets | 2.1425% | 423 |
| Return on Equity (ROE) | 24.0456% | 115 |
| Retained earnings to average equity (ytd only) | -1.5954% | 5,345 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3627% | 5,434 |
| Assets per employee ($millions) | 3.7851% | 4,331 |
| Cash dividends to net income (ytd only)* | 106.6351% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 4,150 |
| Loan loss allowance to noncurrent loans | 71.0048% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 1,151 |
| Noncurrent loans to loans | 1.5240% | 1,536 |
| Net loans and leases to total assets | 85.3322% | 270 |
| Net loans and leases to deposits | 96.7893% | 868 |
| Net loans and leases to core deposits | 99.7192% | 1,506 |
| Total domestic deposits to total assets | 88.1628% | 1,550 |
| Equity capital to assets | 8.8140% | 5,330 |
| Core capital (leverage) ratio | 8.8750% | 4,989 |
| Tier 1 risk-based capital ratio | 11.2396% | 5,377 |
| Total risk-based capital ratio | 12.4300% | 5,315 |
| Memoranda: | ||
| Average total assets | $78,975,000 | 4,880 |
| Average earning assets | $73,295,500 | 4,860 |
| Average equity | $7,020,000 | 5,229 |
| Average total loans | $67,248,000 | 4,183 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 697 |
| Cost of funding earning assets | 0.3428% | 3,764 |
| Net interest margin | 4.6023% | 543 |
| Noninterest income to average assets | 0.3638% | 4,302 |
| Noninterest expense to average assets | 2.6098% | 3,887 |
| Loan and lease loss provision to assets | 0.1230% | 1,949 |
| Net operating income to assets | 1.8875% | 414 |
| Return on assets (ROA) | 1.8875% | 423 |
| Pretax return on assets | 1.8888% | 670 |
| Return on Equity (ROE) | 21.6019% | 190 |
| Retained earnings to average equity (ytd only) | 5.5116% | 2,078 |
| Net charge-offs to loans | 0.1583% | 1,797 |
| Credit loss provision to net charge-offs | 91.3462% | 2,736 |
| Earnings coverage of net charge-offs (x) | 14.9423% | 2,248 |
| Efficiency ratio | 56.4706% | 5,303 |
| Assets per employee ($millions) | 3.7363% | 4,403 |
| Cash dividends to net income (ytd only)* | 74.4856% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,896 |
| Loan loss allowance to noncurrent loans | 147.2222% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 2,803 |
| Noncurrent loans to loans | 0.7645% | 2,888 |
| Net loans and leases to total assets | 83.0761% | 479 |
| Net loans and leases to deposits | 103.4027% | 471 |
| Net loans and leases to core deposits | 106.8941% | 1,053 |
| Total domestic deposits to total assets | 80.3423% | 4,655 |
| Equity capital to assets | 8.9647% | 5,158 |
| Core capital (leverage) ratio | 8.8947% | 5,009 |
| Tier 1 risk-based capital ratio | 11.7468% | 5,103 |
| Total risk-based capital ratio | 12.9860% | 5,029 |
| Memoranda: | ||
| Average total assets | $77,246,000 | 4,925 |
| Average earning assets | $71,463,600 | 4,906 |
| Average equity | $6,749,400 | 5,290 |
| Average total loans | $65,700,600 | 4,210 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 691 |
| Cost of funding earning assets | 0.3525% | 3,732 |
| Net interest margin | 4.5932% | 554 |
| Noninterest income to average assets | 0.3622% | 4,339 |
| Noninterest expense to average assets | 2.4277% | 4,425 |
| Loan and lease loss provision to assets | 0.0607% | 2,969 |
| Net operating income to assets | 2.1176% | 299 |
| Return on assets (ROA) | 2.1176% | 317 |
| Pretax return on assets | 2.1193% | 483 |
| Return on Equity (ROE) | 24.3970% | 122 |
| Retained earnings to average equity (ytd only) | 2.7351% | 4,473 |
| Net charge-offs to loans | 0.1869% | 1,365 |
| Credit loss provision to net charge-offs | 38.0435% | 3,186 |
| Earnings coverage of net charge-offs (x) | 13.6743% | 2,308 |
| Efficiency ratio | 52.6890% | 5,603 |
| Assets per employee ($millions) | 3.7104% | 4,425 |
| Cash dividends to net income (ytd only)* | 88.7890% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 4,479 |
| Loan loss allowance to noncurrent loans | 117.2297% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 2,722 |
| Noncurrent loans to loans | 0.8941% | 2,742 |
| Net loans and leases to total assets | 84.0846% | 381 |
| Net loans and leases to deposits | 104.5312% | 426 |
| Net loans and leases to core deposits | 108.0818% | 975 |
| Total domestic deposits to total assets | 80.4397% | 4,629 |
| Equity capital to assets | 8.7258% | 5,562 |
| Core capital (leverage) ratio | 8.7421% | 5,308 |
| Tier 1 risk-based capital ratio | 11.3983% | 5,429 |
| Total risk-based capital ratio | 12.5618% | 5,386 |
| Memoranda: | ||
| Average total assets | $76,941,750 | 4,985 |
| Average earning assets | $71,118,500 | 4,967 |
| Average equity | $6,678,250 | 5,375 |
| Average total loans | $65,644,250 | 4,254 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 721 |
| Cost of funding earning assets | 0.3573% | 3,732 |
| Net interest margin | 4.5493% | 574 |
| Noninterest income to average assets | 0.3576% | 4,393 |
| Noninterest expense to average assets | 2.5008% | 4,241 |
| Loan and lease loss provision to assets | 0.0914% | 2,291 |
| Net operating income to assets | 1.9839% | 373 |
| Return on assets (ROA) | 1.9839% | 390 |
| Pretax return on assets | 1.9865% | 614 |
| Return on Equity (ROE) | 22.8985% | 165 |
| Retained earnings to average equity (ytd only) | 1.6571% | 4,868 |
| Net charge-offs to loans | 0.2017% | 1,251 |
| Credit loss provision to net charge-offs | 53.0303% | 2,671 |
| Earnings coverage of net charge-offs (x) | 12.0606% | 2,244 |
| Efficiency ratio | 54.6180% | 5,532 |
| Assets per employee ($millions) | 3.6317% | 4,572 |
| Cash dividends to net income (ytd only)* | 92.7632% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 4,389 |
| Loan loss allowance to noncurrent loans | 89.2193% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 2,335 |
| Noncurrent loans to loans | 1.2199% | 2,213 |
| Net loans and leases to total assets | 85.7984% | 249 |
| Net loans and leases to deposits | 103.6972% | 469 |
| Net loans and leases to core deposits | 107.1949% | 1,013 |
| Total domestic deposits to total assets | 82.7394% | 4,052 |
| Equity capital to assets | 8.8073% | 5,429 |
| Core capital (leverage) ratio | 8.6671% | 5,353 |
| Tier 1 risk-based capital ratio | 11.3197% | 5,566 |
| Total risk-based capital ratio | 12.5331% | 5,510 |
| Memoranda: | ||
| Average total assets | $76,616,330 | 5,042 |
| Average earning assets | $71,087,670 | 5,019 |
| Average equity | $6,638,000 | 5,424 |
| Average total loans | $65,455,330 | 4,296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 998 |
| Cost of funding earning assets | 0.3648% | 3,696 |
| Net interest margin | 4.3546% | 792 |
| Noninterest income to average assets | 0.3334% | 4,522 |
| Noninterest expense to average assets | 2.6878% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6825% | 613 |
| Return on assets (ROA) | 1.6825% | 642 |
| Pretax return on assets | 1.6877% | 1,079 |
| Return on Equity (ROE) | 19.5802% | 287 |
| Retained earnings to average equity (ytd only) | -7.6987% | 6,065 |
| Net charge-offs to loans | 0.3994% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.9846% | 2,430 |
| Efficiency ratio | 61.4286% | 4,891 |
| Assets per employee ($millions) | 3.1653% | 5,458 |
| Cash dividends to net income (ytd only)* | 139.3189% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,730 |
| Loan loss allowance to noncurrent loans | 57.7441% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 1,364 |
| Noncurrent loans to loans | 1.8275% | 1,476 |
| Net loans and leases to total assets | 84.6699% | 273 |
| Net loans and leases to deposits | 97.5093% | 718 |
| Net loans and leases to core deposits | 101.0399% | 1,254 |
| Total domestic deposits to total assets | 86.8326% | 2,468 |
| Equity capital to assets | 8.6023% | 5,658 |
| Core capital (leverage) ratio | 8.4980% | 5,521 |
| Tier 1 risk-based capital ratio | 11.2224% | 5,701 |
| Total risk-based capital ratio | 12.4004% | 5,654 |
| Memoranda: | ||
| Average total assets | $76,791,500 | 5,094 |
| Average earning assets | $71,281,000 | 5,061 |
| Average equity | $6,598,500 | 5,484 |
| Average total loans | $65,105,500 | 4,328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8417% | 1,025 |
| Cost of funding earning assets | 0.4887% | 2,787 |
| Net interest margin | 4.3530% | 962 |
| Noninterest income to average assets | 0.3852% | 4,295 |
| Noninterest expense to average assets | 2.7727% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6279% | 671 |
| Return on assets (ROA) | 1.6279% | 700 |
| Pretax return on assets | 1.6293% | 1,151 |
| Return on Equity (ROE) | 18.7643% | 335 |
| Retained earnings to average equity (ytd only) | 3.6972% | 3,582 |
| Net charge-offs to loans | 0.0132% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 356 |
| Efficiency ratio | 62.9878% | 4,755 |
| Assets per employee ($millions) | 3.2340% | 5,383 |
| Cash dividends to net income (ytd only)* | 80.2968% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 4,273 |
| Loan loss allowance to noncurrent loans | 46.5304% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 1,032 |
| Noncurrent loans to loans | 2.4753% | 1,033 |
| Net loans and leases to total assets | 83.0406% | 426 |
| Net loans and leases to deposits | 98.4556% | 727 |
| Net loans and leases to core deposits | 98.9150% | 1,474 |
| Total domestic deposits to total assets | 84.3432% | 3,575 |
| Equity capital to assets | 8.5834% | 5,655 |
| Core capital (leverage) ratio | 8.8704% | 5,154 |
| Tier 1 risk-based capital ratio | 11.4473% | 5,688 |
| Total risk-based capital ratio | 12.6982% | 5,609 |
| Memoranda: | ||
| Average total assets | $74,512,600 | 5,182 |
| Average earning assets | $68,756,600 | 5,153 |
| Average equity | $6,464,400 | 5,535 |
| Average total loans | $60,643,200 | 4,469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 1,043 |
| Cost of funding earning assets | 0.5237% | 2,534 |
| Net interest margin | 4.3128% | 1,023 |
| Noninterest income to average assets | 0.3851% | 4,352 |
| Noninterest expense to average assets | 2.5821% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7774% | 530 |
| Return on assets (ROA) | 1.7774% | 545 |
| Pretax return on assets | 1.7792% | 922 |
| Return on Equity (ROE) | 20.4307% | 257 |
| Retained earnings to average equity (ytd only) | 3.3046% | 4,268 |
| Net charge-offs to loans | 0.0067% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 327.9925% | 218 |
| Efficiency ratio | 59.2040% | 5,285 |
| Assets per employee ($millions) | 3.1047% | 5,581 |
| Cash dividends to net income (ytd only)* | 83.8253% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,942 |
| Loan loss allowance to noncurrent loans | 53.5411% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 1,306 |
| Noncurrent loans to loans | 2.3360% | 1,276 |
| Net loans and leases to total assets | 80.1066% | 705 |
| Net loans and leases to deposits | 88.5331% | 1,605 |
| Net loans and leases to core deposits | 90.7059% | 2,156 |
| Total domestic deposits to total assets | 90.4821% | 538 |
| Equity capital to assets | 8.8335% | 5,522 |
| Core capital (leverage) ratio | 8.8138% | 5,317 |
| Tier 1 risk-based capital ratio | 12.2899% | 5,307 |
| Total risk-based capital ratio | 13.5428% | 5,225 |
| Memoranda: | ||
| Average total assets | $73,737,000 | 5,249 |
| Average earning assets | $67,981,750 | 5,227 |
| Average equity | $6,415,000 | 5,604 |
| Average total loans | $59,503,250 | 4,543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 1,109 |
| Cost of funding earning assets | 0.5247% | 2,591 |
| Net interest margin | 4.2530% | 1,131 |
| Noninterest income to average assets | 0.3865% | 4,349 |
| Noninterest expense to average assets | 2.6266% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7066% | 568 |
| Return on assets (ROA) | 1.7066% | 592 |
| Pretax return on assets | 1.7093% | 1,000 |
| Return on Equity (ROE) | 19.7191% | 305 |
| Retained earnings to average equity (ytd only) | -1.6354% | 5,941 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5775% | 5,214 |
| Assets per employee ($millions) | 3.0670% | 5,658 |
| Cash dividends to net income (ytd only)* | 108.2935% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 3,945 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 2.3068% | 1,287 |
| Noncurrent loans to loans | 2.5657% | 1,202 |
| Net loans and leases to total assets | 79.3474% | 762 |
| Net loans and leases to deposits | 87.5403% | 1,652 |
| Net loans and leases to core deposits | 89.7118% | 2,154 |
| Total domestic deposits to total assets | 90.6410% | 529 |
| Equity capital to assets | 8.6553% | 5,655 |
| Core capital (leverage) ratio | 8.6352% | 5,485 |
| Tier 1 risk-based capital ratio | 12.1302% | 5,467 |
| Total risk-based capital ratio | 13.3830% | 5,381 |
| Memoranda: | ||
| Average total assets | $73,478,670 | 5,300 |
| Average earning assets | $68,234,670 | 5,262 |
| Average equity | $6,359,330 | 5,644 |
| Average total loans | $59,189,330 | 4,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 1,111 |
| Cost of funding earning assets | 0.5192% | 2,727 |
| Net interest margin | 4.2468% | 1,108 |
| Noninterest income to average assets | 0.3596% | 4,513 |
| Noninterest expense to average assets | 2.5772% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7490% | 525 |
| Return on assets (ROA) | 1.7490% | 540 |
| Pretax return on assets | 1.7490% | 879 |
| Return on Equity (ROE) | 20.2093% | 274 |
| Retained earnings to average equity (ytd only) | -8.7511% | 6,318 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5718% | 5,459 |
| Assets per employee ($millions) | 3.0835% | 5,720 |
| Cash dividends to net income (ytd only)* | 143.3022% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,157 |
| Loan loss allowance to noncurrent loans | 82.6797% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4837% | 2,378 |
| Noncurrent loans to loans | 1.5647% | 2,468 |
| Net loans and leases to total assets | 78.2525% | 739 |
| Net loans and leases to deposits | 86.2025% | 1,580 |
| Net loans and leases to core deposits | 88.3205% | 2,060 |
| Total domestic deposits to total assets | 90.7775% | 653 |
| Equity capital to assets | 8.4914% | 5,665 |
| Core capital (leverage) ratio | 8.4567% | 5,696 |
| Tier 1 risk-based capital ratio | 12.0427% | 5,613 |
| Total risk-based capital ratio | 13.2960% | 5,546 |
| Memoranda: | ||
| Average total assets | $73,414,000 | 5,353 |
| Average earning assets | $68,568,500 | 5,302 |
| Average equity | $6,353,500 | 5,675 |
| Average total loans | $59,201,500 | 4,618 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 1,006 |
| Cost of funding earning assets | 0.5871% | 2,777 |
| Net interest margin | 4.3602% | 975 |
| Noninterest income to average assets | 0.3338% | 4,951 |
| Noninterest expense to average assets | 2.7639% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6086% | 678 |
| Return on assets (ROA) | 1.6114% | 696 |
| Pretax return on assets | 1.6127% | 1,139 |
| Return on Equity (ROE) | 18.8591% | 352 |
| Retained earnings to average equity (ytd only) | 5.1770% | 2,487 |
| Net charge-offs to loans | -0.0340% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1910% | 5,028 |
| Assets per employee ($millions) | 3.0343% | 5,780 |
| Cash dividends to net income (ytd only)* | 72.5490% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,290 |
| Loan loss allowance to noncurrent loans | 75.8242% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6217% | 2,287 |
| Noncurrent loans to loans | 1.6758% | 2,395 |
| Net loans and leases to total assets | 80.9829% | 496 |
| Net loans and leases to deposits | 89.5582% | 1,277 |
| Net loans and leases to core deposits | 92.4040% | 1,750 |
| Total domestic deposits to total assets | 90.4249% | 857 |
| Equity capital to assets | 8.8199% | 5,236 |
| Core capital (leverage) ratio | 8.5913% | 5,556 |
| Tier 1 risk-based capital ratio | 12.2352% | 5,468 |
| Total risk-based capital ratio | 13.4867% | 5,395 |
| Memoranda: | ||
| Average total assets | $72,795,400 | 5,400 |
| Average earning assets | $67,451,000 | 5,360 |
| Average equity | $6,219,800 | 5,758 |
| Average total loans | $58,863,800 | 4,653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 985 |
| Cost of funding earning assets | 0.5965% | 2,839 |
| Net interest margin | 4.3797% | 934 |
| Noninterest income to average assets | 0.3059% | 5,256 |
| Noninterest expense to average assets | 2.5828% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7695% | 566 |
| Return on assets (ROA) | 1.7695% | 589 |
| Pretax return on assets | 1.7713% | 960 |
| Return on Equity (ROE) | 20.8781% | 248 |
| Retained earnings to average equity (ytd only) | 5.1439% | 2,974 |
| Net charge-offs to loans | -0.0341% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3185% | 5,521 |
| Assets per employee ($millions) | 3.2497% | 5,386 |
| Cash dividends to net income (ytd only)* | 75.3620% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 4,381 |
| Loan loss allowance to noncurrent loans | 76.9388% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 2,465 |
| Noncurrent loans to loans | 1.6922% | 2,657 |
| Net loans and leases to total assets | 76.4751% | 940 |
| Net loans and leases to deposits | 84.2184% | 1,855 |
| Net loans and leases to core deposits | 88.3693% | 2,147 |
| Total domestic deposits to total assets | 90.8057% | 611 |
| Equity capital to assets | 8.4812% | 5,752 |
| Core capital (leverage) ratio | 8.5844% | 5,680 |
| Tier 1 risk-based capital ratio | 12.3095% | 5,564 |
| Total risk-based capital ratio | 13.5620% | 5,505 |
| Memoranda: | ||
| Average total assets | $72,788,250 | 5,451 |
| Average earning assets | $67,278,750 | 5,424 |
| Average equity | $6,169,000 | 5,845 |
| Average total loans | $58,646,250 | 4,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 910 |
| Cost of funding earning assets | 0.6104% | 2,841 |
| Net interest margin | 4.3891% | 870 |
| Noninterest income to average assets | 0.4214% | 4,366 |
| Noninterest expense to average assets | 2.6810% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8049% | 512 |
| Return on assets (ROA) | 1.8049% | 552 |
| Pretax return on assets | 1.8077% | 912 |
| Return on Equity (ROE) | 21.3012% | 233 |
| Retained earnings to average equity (ytd only) | 2.3886% | 4,780 |
| Net charge-offs to loans | 0.0849% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 26.0800% | 1,251 |
| Efficiency ratio | 59.7282% | 5,517 |
| Assets per employee ($millions) | 3.1449% | 5,595 |
| Cash dividends to net income (ytd only)* | 88.7865% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 4,893 |
| Loan loss allowance to noncurrent loans | 147.2165% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 3,498 |
| Noncurrent loans to loans | 0.8274% | 4,263 |
| Net loans and leases to total assets | 80.0520% | 532 |
| Net loans and leases to deposits | 88.4692% | 1,286 |
| Net loans and leases to core deposits | 91.0813% | 1,801 |
| Total domestic deposits to total assets | 90.4857% | 764 |
| Equity capital to assets | 8.5355% | 5,736 |
| Core capital (leverage) ratio | 8.4467% | 5,728 |
| Tier 1 risk-based capital ratio | 11.8960% | 5,850 |
| Total risk-based capital ratio | 13.1484% | 5,805 |
| Memoranda: | ||
| Average total assets | $72,137,000 | 5,509 |
| Average earning assets | $66,846,670 | 5,475 |
| Average equity | $6,112,330 | 5,897 |
| Average total loans | $58,890,670 | 4,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 1,167 |
| Cost of funding earning assets | 0.6015% | 3,094 |
| Net interest margin | 4.2641% | 1,036 |
| Noninterest income to average assets | 0.4387% | 4,188 |
| Noninterest expense to average assets | 2.6819% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7268% | 543 |
| Return on assets (ROA) | 1.7268% | 602 |
| Pretax return on assets | 1.7324% | 1,000 |
| Return on Equity (ROE) | 20.4555% | 266 |
| Retained earnings to average equity (ytd only) | -2.5652% | 6,146 |
| Net charge-offs to loans | -0.0068% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7547% | 5,481 |
| Assets per employee ($millions) | 3.3245% | 5,385 |
| Cash dividends to net income (ytd only)* | 112.5402% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 4,886 |
| Loan loss allowance to noncurrent loans | 132.1429% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2100% | 3,549 |
| Noncurrent loans to loans | 0.9546% | 4,230 |
| Net loans and leases to total assets | 79.1971% | 502 |
| Net loans and leases to deposits | 87.2599% | 1,218 |
| Net loans and leases to core deposits | 89.3834% | 1,767 |
| Total domestic deposits to total assets | 90.7601% | 638 |
| Equity capital to assets | 8.2883% | 6,194 |
| Core capital (leverage) ratio | 8.2900% | 5,838 |
| Tier 1 risk-based capital ratio | 11.7251% | 6,073 |
| Total risk-based capital ratio | 12.9765% | 6,049 |
| Memoranda: | ||
| Average total assets | $72,039,000 | 5,561 |
| Average earning assets | $67,165,000 | 5,513 |
| Average equity | $6,081,500 | 5,961 |
| Average total loans | $59,027,000 | 4,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 1,096 |
| Cost of funding earning assets | 0.7367% | 3,195 |
| Net interest margin | 4.4745% | 989 |
| Noninterest income to average assets | 0.3657% | 4,863 |
| Noninterest expense to average assets | 2.9381% | 3,508 |
| Loan and lease loss provision to assets | 0.0550% | 5,112 |
| Net operating income to assets | 1.4711% | 973 |
| Return on assets (ROA) | 1.4711% | 1,081 |
| Pretax return on assets | 1.4725% | 1,771 |
| Return on Equity (ROE) | 18.0062% | 446 |
| Retained earnings to average equity (ytd only) | 4.1397% | 3,312 |
| Net charge-offs to loans | 0.0741% | 4,938 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 25.2500% | 1,142 |
| Efficiency ratio | 65.7943% | 4,544 |
| Assets per employee ($millions) | 3.0843% | 5,871 |
| Cash dividends to net income (ytd only)* | 77.0093% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,908 |
| Loan loss allowance to noncurrent loans | 85.4335% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 2,881 |
| Noncurrent loans to loans | 1.4565% | 3,412 |
| Net loans and leases to total assets | 82.6781% | 285 |
| Net loans and leases to deposits | 91.4222% | 957 |
| Net loans and leases to core deposits | 93.7246% | 1,490 |
| Total domestic deposits to total assets | 90.4354% | 734 |
| Equity capital to assets | 8.6003% | 5,967 |
| Core capital (leverage) ratio | 8.4076% | 5,748 |
| Tier 1 risk-based capital ratio | 11.5455% | 6,066 |
| Total risk-based capital ratio | 12.7983% | 6,030 |
| Memoranda: | ||
| Average total assets | $72,733,800 | 5,558 |
| Average earning assets | $66,644,800 | 5,528 |
| Average equity | $5,942,400 | 6,036 |
| Average total loans | $59,358,200 | 4,740 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 1,102 |
| Cost of funding earning assets | 0.7639% | 3,238 |
| Net interest margin | 4.4829% | 1,024 |
| Noninterest income to average assets | 0.3662% | 4,900 |
| Noninterest expense to average assets | 2.7911% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6470% | 765 |
| Return on assets (ROA) | 1.6470% | 846 |
| Pretax return on assets | 1.6488% | 1,414 |
| Return on Equity (ROE) | 20.4193% | 311 |
| Retained earnings to average equity (ytd only) | 4.8111% | 3,505 |
| Net charge-offs to loans | 0.0022% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 907.2481% | 45 |
| Efficiency ratio | 62.8642% | 4,998 |
| Assets per employee ($millions) | 3.0794% | 5,898 |
| Cash dividends to net income (ytd only)* | 76.4382% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,776 |
| Loan loss allowance to noncurrent loans | 60.8197% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.1814% | 2,456 |
| Noncurrent loans to loans | 2.1516% | 2,672 |
| Net loans and leases to total assets | 79.0080% | 607 |
| Net loans and leases to deposits | 87.3800% | 1,432 |
| Net loans and leases to core deposits | 89.9489% | 1,985 |
| Total domestic deposits to total assets | 90.4189% | 625 |
| Equity capital to assets | 8.5674% | 6,206 |
| Core capital (leverage) ratio | 8.6889% | 5,491 |
| Tier 1 risk-based capital ratio | 11.8657% | 6,017 |
| Total risk-based capital ratio | 13.1191% | 5,996 |
| Memoranda: | ||
| Average total assets | $73,182,500 | 5,598 |
| Average earning assets | $66,502,500 | 5,597 |
| Average equity | $5,902,750 | 6,113 |
| Average total loans | $59,350,250 | 4,786 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 1,092 |
| Cost of funding earning assets | 0.7792% | 3,373 |
| Net interest margin | 4.4998% | 991 |
| Noninterest income to average assets | 0.4056% | 4,609 |
| Noninterest expense to average assets | 2.8553% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6386% | 774 |
| Return on assets (ROA) | 1.6386% | 860 |
| Pretax return on assets | 1.6413% | 1,423 |
| Return on Equity (ROE) | 20.7262% | 309 |
| Retained earnings to average equity (ytd only) | 2.0863% | 5,157 |
| Net charge-offs to loans | 0.0033% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 607.0000% | 61 |
| Efficiency ratio | 63.4997% | 4,984 |
| Assets per employee ($millions) | 3.0356% | 5,992 |
| Cash dividends to net income (ytd only)* | 89.9340% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,218 |
| Loan loss allowance to noncurrent loans | 304.0984% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 4,725 |
| Noncurrent loans to loans | 0.4040% | 5,725 |
| Net loans and leases to total assets | 85.4464% | 159 |
| Net loans and leases to deposits | 94.5496% | 727 |
| Net loans and leases to core deposits | 97.3722% | 1,315 |
| Total domestic deposits to total assets | 90.3721% | 727 |
| Equity capital to assets | 8.4735% | 6,234 |
| Core capital (leverage) ratio | 8.1325% | 6,120 |
| Tier 1 risk-based capital ratio | 11.0534% | 6,471 |
| Total risk-based capital ratio | 12.3034% | 6,442 |
| Memoranda: | ||
| Average total assets | $73,967,670 | 5,606 |
| Average earning assets | $67,247,000 | 5,612 |
| Average equity | $5,847,670 | 6,159 |
| Average total loans | $60,233,330 | 4,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 1,446 |
| Cost of funding earning assets | 0.7840% | 3,594 |
| Net interest margin | 4.3613% | 1,310 |
| Noninterest income to average assets | 0.3998% | 4,672 |
| Noninterest expense to average assets | 2.9405% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4045% | 1,218 |
| Return on assets (ROA) | 1.4045% | 1,367 |
| Pretax return on assets | 1.4097% | 2,169 |
| Return on Equity (ROE) | 18.3710% | 510 |
| Retained earnings to average equity (ytd only) | -5.7108% | 6,636 |
| Net charge-offs to loans | -0.0133% | 6,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5937% | 4,253 |
| Assets per employee ($millions) | 3.1579% | 5,854 |
| Cash dividends to net income (ytd only)* | 131.0861% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 5,155 |
| Loan loss allowance to noncurrent loans | 176.5403% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 4,491 |
| Noncurrent loans to loans | 0.7200% | 5,221 |
| Net loans and leases to total assets | 76.3557% | 766 |
| Net loans and leases to deposits | 83.1908% | 1,771 |
| Net loans and leases to core deposits | 93.5726% | 1,498 |
| Total domestic deposits to total assets | 91.7839% | 309 |
| Equity capital to assets | 7.6158% | 6,728 |
| Core capital (leverage) ratio | 7.6701% | 6,509 |
| Tier 1 risk-based capital ratio | 10.8852% | 6,585 |
| Total risk-based capital ratio | 12.1374% | 6,574 |
| Memoranda: | ||
| Average total assets | $76,042,500 | 5,594 |
| Average earning assets | $68,878,000 | 5,603 |
| Average equity | $5,813,500 | 6,196 |
| Average total loans | $60,150,500 | 4,813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6610% | 847 |
| Cost of funding earning assets | 0.9374% | 3,814 |
| Net interest margin | 4.7237% | 714 |
| Noninterest income to average assets | 0.4014% | 4,604 |
| Noninterest expense to average assets | 3.1160% | 3,145 |
| Loan and lease loss provision to assets | 0.1371% | 4,904 |
| Net operating income to assets | 1.4531% | 921 |
| Return on assets (ROA) | 1.4531% | 1,001 |
| Pretax return on assets | 1.4545% | 1,616 |
| Return on Equity (ROE) | 18.1004% | 371 |
| Retained earnings to average equity (ytd only) | 1.1846% | 5,297 |
| Net charge-offs to loans | 0.1354% | 5,061 |
| Credit loss provision to net charge-offs | 118.0723% | 2,720 |
| Earnings coverage of net charge-offs (x) | 13.7108% | 1,519 |
| Efficiency ratio | 66.1913% | 4,732 |
| Assets per employee ($millions) | 3.1790% | 5,748 |
| Cash dividends to net income (ytd only)* | 93.4552% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 5,369 |
| Loan loss allowance to noncurrent loans | 342.3963% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.8362% | 4,952 |
| Noncurrent loans to loans | 0.3518% | 6,020 |
| Net loans and leases to total assets | 79.8781% | 508 |
| Net loans and leases to deposits | 87.1125% | 1,500 |
| Net loans and leases to core deposits | 102.7412% | 981 |
| Total domestic deposits to total assets | 91.6954% | 283 |
| Equity capital to assets | 7.6742% | 6,737 |
| Core capital (leverage) ratio | 7.8119% | 6,430 |
| Tier 1 risk-based capital ratio | 10.4975% | 6,683 |
| Total risk-based capital ratio | 11.7490% | 6,665 |
| Memoranda: | ||
| Average total assets | $71,501,200 | 5,707 |
| Average earning assets | $65,182,600 | 5,697 |
| Average equity | $5,740,200 | 6,221 |
| Average total loans | $61,297,200 | 4,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7731% | 737 |
| Cost of funding earning assets | 0.9684% | 3,904 |
| Net interest margin | 4.8047% | 621 |
| Noninterest income to average assets | 0.3983% | 4,682 |
| Noninterest expense to average assets | 3.0022% | 3,546 |
| Loan and lease loss provision to assets | 0.0948% | 5,278 |
| Net operating income to assets | 1.6841% | 659 |
| Return on assets (ROA) | 1.6841% | 722 |
| Pretax return on assets | 1.6860% | 1,172 |
| Return on Equity (ROE) | 20.7296% | 267 |
| Retained earnings to average equity (ytd only) | 1.7041% | 5,291 |
| Net charge-offs to loans | 0.1220% | 4,815 |
| Credit loss provision to net charge-offs | 89.2857% | 3,792 |
| Earnings coverage of net charge-offs (x) | 16.7690% | 1,382 |
| Efficiency ratio | 62.7676% | 5,282 |
| Assets per employee ($millions) | 3.3768% | 5,307 |
| Cash dividends to net income (ytd only)* | 91.7794% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 5,619 |
| Loan loss allowance to noncurrent loans | 118.5550% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 4,048 |
| Noncurrent loans to loans | 0.9826% | 4,926 |
| Net loans and leases to total assets | 82.4604% | 320 |
| Net loans and leases to deposits | 90.1809% | 1,196 |
| Net loans and leases to core deposits | 106.9316% | 813 |
| Total domestic deposits to total assets | 91.4388% | 312 |
| Equity capital to assets | 7.8881% | 6,762 |
| Core capital (leverage) ratio | 8.1856% | 6,150 |
| Tier 1 risk-based capital ratio | 10.2476% | 6,875 |
| Total risk-based capital ratio | 11.4980% | 6,860 |
| Memoranda: | ||
| Average total assets | $70,302,750 | 5,773 |
| Average earning assets | $64,157,750 | 5,771 |
| Average equity | $5,711,500 | 6,274 |
| Average total loans | $61,200,000 | 4,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 682 |
| Cost of funding earning assets | 1.0022% | 3,930 |
| Net interest margin | 4.8235% | 583 |
| Noninterest income to average assets | 0.4146% | 4,553 |
| Noninterest expense to average assets | 3.1838% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6238% | 700 |
| Return on assets (ROA) | 1.6238% | 740 |
| Pretax return on assets | 1.6267% | 1,207 |
| Return on Equity (ROE) | 19.7810% | 326 |
| Retained earnings to average equity (ytd only) | -4.4507% | 6,520 |
| Net charge-offs to loans | 0.0164% | 5,612 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 322 |
| Efficiency ratio | 66.1844% | 4,841 |
| Assets per employee ($millions) | 3.0653% | 5,946 |
| Cash dividends to net income (ytd only)* | 122.5000% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 5,708 |
| Loan loss allowance to noncurrent loans | 74.5361% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 3,429 |
| Noncurrent loans to loans | 1.5598% | 4,070 |
| Net loans and leases to total assets | 87.1832% | 105 |
| Net loans and leases to deposits | 96.3220% | 699 |
| Net loans and leases to core deposits | 115.5987% | 525 |
| Total domestic deposits to total assets | 90.5122% | 713 |
| Equity capital to assets | 8.0297% | 6,663 |
| Core capital (leverage) ratio | 8.2593% | 5,933 |
| Tier 1 risk-based capital ratio | 10.1707% | 6,924 |
| Total risk-based capital ratio | 11.4211% | 6,915 |
| Memoranda: | ||
| Average total assets | $68,974,000 | 5,855 |
| Average earning assets | $62,859,330 | 5,860 |
| Average equity | $5,662,000 | 6,330 |
| Average total loans | $60,939,670 | 4,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8580% | 661 |
| Cost of funding earning assets | 1.0193% | 4,065 |
| Net interest margin | 4.8386% | 525 |
| Noninterest income to average assets | 0.5102% | 3,796 |
| Noninterest expense to average assets | 3.4306% | 2,192 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4719% | 929 |
| Return on assets (ROA) | 1.4719% | 970 |
| Pretax return on assets | 1.4778% | 1,510 |
| Return on Equity (ROE) | 17.7307% | 505 |
| Retained earnings to average equity (ytd only) | -17.5894% | 7,108 |
| Net charge-offs to loans | -0.0199% | 6,570 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8925% | 4,299 |
| Assets per employee ($millions) | 2.8914% | 6,374 |
| Cash dividends to net income (ytd only)* | 199.2032% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 5,533 |
| Loan loss allowance to noncurrent loans | 197.5676% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 4,604 |
| Noncurrent loans to loans | 0.6172% | 5,796 |
| Net loans and leases to total assets | 89.0469% | 61 |
| Net loans and leases to deposits | 100.4171% | 448 |
| Net loans and leases to core deposits | 115.2258% | 555 |
| Total domestic deposits to total assets | 88.6770% | 1,974 |
| Equity capital to assets | 8.3276% | 6,130 |
| Core capital (leverage) ratio | 8.1244% | 6,090 |
| Tier 1 risk-based capital ratio | 10.2535% | 6,909 |
| Total risk-based capital ratio | 11.5051% | 6,904 |
| Memoranda: | ||
| Average total assets | $68,210,500 | 5,926 |
| Average earning assets | $62,001,000 | 5,936 |
| Average equity | $5,662,500 | 6,348 |
| Average total loans | $60,315,500 | 4,990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 695 |
| Cost of funding earning assets | 1.0867% | 5,207 |
| Net interest margin | 5.0180% | 415 |
| Noninterest income to average assets | 0.4959% | 4,202 |
| Noninterest expense to average assets | 3.1927% | 3,123 |
| Loan and lease loss provision to assets | 0.2915% | 4,463 |
| Net operating income to assets | 1.5506% | 689 |
| Return on assets (ROA) | 1.5506% | 749 |
| Pretax return on assets | 1.5521% | 1,244 |
| Return on Equity (ROE) | 19.2267% | 300 |
| Retained earnings to average equity (ytd only) | 2.7644% | 3,922 |
| Net charge-offs to loans | 0.1632% | 5,359 |
| Credit loss provision to net charge-offs | 206.0606% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.0303% | 1,449 |
| Efficiency ratio | 63.3939% | 5,443 |
| Assets per employee ($millions) | 2.9133% | 6,288 |
| Cash dividends to net income (ytd only)* | 85.6221% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,514 |
| Loan loss allowance to noncurrent loans | 2,141.1765% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 5,729 |
| Noncurrent loans to loans | 0.0560% | 6,986 |
| Net loans and leases to total assets | 85.7478% | 196 |
| Net loans and leases to deposits | 96.4682% | 829 |
| Net loans and leases to core deposits | 166.2848% | 126 |
| Total domestic deposits to total assets | 88.8871% | 1,724 |
| Equity capital to assets | 8.2767% | 6,173 |
| Core capital (leverage) ratio | 7.9391% | 6,275 |
| Tier 1 risk-based capital ratio | 10.4274% | 6,741 |
| Total risk-based capital ratio | 11.6959% | 6,710 |
| Memoranda: | ||
| Average total assets | $69,971,200 | 5,890 |
| Average earning assets | $63,311,600 | 5,880 |
| Average equity | $5,643,200 | 6,469 |
| Average total loans | $60,652,200 | 5,043 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0689% | 809 |
| Cost of funding earning assets | 1.0862% | 5,508 |
| Net interest margin | 4.9827% | 458 |
| Noninterest income to average assets | 0.5201% | 4,029 |
| Noninterest expense to average assets | 3.0444% | 3,596 |
| Loan and lease loss provision to assets | 0.1715% | 5,330 |
| Net operating income to assets | 1.8118% | 486 |
| Return on assets (ROA) | 1.8118% | 533 |
| Pretax return on assets | 1.8137% | 903 |
| Return on Equity (ROE) | 22.6130% | 176 |
| Retained earnings to average equity (ytd only) | 4.3752% | 3,419 |
| Net charge-offs to loans | 0.1957% | 4,774 |
| Credit loss provision to net charge-offs | 101.1236% | 4,269 |
| Earnings coverage of net charge-offs (x) | 11.7082% | 1,763 |
| Efficiency ratio | 60.5303% | 5,867 |
| Assets per employee ($millions) | 2.8776% | 6,427 |
| Cash dividends to net income (ytd only)* | 80.6518% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,306 |
| Loan loss allowance to noncurrent loans | 1,782.8571% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 5,755 |
| Noncurrent loans to loans | 0.0572% | 7,099 |
| Net loans and leases to total assets | 84.1731% | 320 |
| Net loans and leases to deposits | 94.8528% | 1,113 |
| Net loans and leases to core deposits | 162.7516% | 140 |
| Total domestic deposits to total assets | 88.7408% | 1,538 |
| Equity capital to assets | 8.0830% | 6,731 |
| Core capital (leverage) ratio | 8.1556% | 6,106 |
| Tier 1 risk-based capital ratio | 10.3150% | 6,887 |
| Total risk-based capital ratio | 11.4219% | 6,952 |
| Memoranda: | ||
| Average total assets | $69,984,250 | 5,945 |
| Average earning assets | $63,337,250 | 5,940 |
| Average equity | $5,607,250 | 6,564 |
| Average total loans | $60,644,750 | 5,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1183% | 730 |
| Cost of funding earning assets | 1.1008% | 5,663 |
| Net interest margin | 5.0175% | 407 |
| Noninterest income to average assets | 0.5135% | 4,005 |
| Noninterest expense to average assets | 3.1703% | 3,017 |
| Loan and lease loss provision to assets | 0.2596% | 4,338 |
| Net operating income to assets | 1.6039% | 724 |
| Return on assets (ROA) | 1.6039% | 776 |
| Pretax return on assets | 1.6068% | 1,284 |
| Return on Equity (ROE) | 20.0795% | 315 |
| Retained earnings to average equity (ytd only) | -1.4807% | 6,057 |
| Net charge-offs to loans | 0.2745% | 3,967 |
| Credit loss provision to net charge-offs | 108.4337% | 3,752 |
| Earnings coverage of net charge-offs (x) | 7.7952% | 2,236 |
| Efficiency ratio | 62.9439% | 5,531 |
| Assets per employee ($millions) | 2.8165% | 6,538 |
| Cash dividends to net income (ytd only)* | 107.3741% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,315 |
| Loan loss allowance to noncurrent loans | 175.4875% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 5,262 |
| Noncurrent loans to loans | 0.5811% | 6,088 |
| Net loans and leases to total assets | 83.4986% | 393 |
| Net loans and leases to deposits | 94.6679% | 1,191 |
| Net loans and leases to core deposits | 162.1867% | 158 |
| Total domestic deposits to total assets | 88.2016% | 1,881 |
| Equity capital to assets | 7.6335% | 7,034 |
| Core capital (leverage) ratio | 8.0452% | 6,207 |
| Tier 1 risk-based capital ratio | 9.9436% | 7,056 |
| Total risk-based capital ratio | 11.0643% | 7,107 |
| Memoranda: | ||
| Average total assets | $69,332,000 | 5,996 |
| Average earning assets | $62,500,670 | 6,002 |
| Average equity | $5,538,000 | 6,605 |
| Average total loans | $60,466,670 | 5,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0854% | 800 |
| Cost of funding earning assets | 1.1218% | 5,791 |
| Net interest margin | 4.9635% | 449 |
| Noninterest income to average assets | 0.5046% | 4,017 |
| Noninterest expense to average assets | 3.4015% | 2,233 |
| Loan and lease loss provision to assets | 0.5343% | 2,366 |
| Net operating income to assets | 1.0804% | 1,891 |
| Return on assets (ROA) | 1.0804% | 1,972 |
| Pretax return on assets | 1.0863% | 2,784 |
| Return on Equity (ROE) | 13.2075% | 1,213 |
| Retained earnings to average equity (ytd only) | -17.2714% | 7,287 |
| Net charge-offs to loans | 0.5618% | 2,395 |
| Credit loss provision to net charge-offs | 107.1429% | 3,206 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,968 |
| Efficiency ratio | 67.7305% | 4,776 |
| Assets per employee ($millions) | 2.5946% | 7,047 |
| Cash dividends to net income (ytd only)* | 230.7692% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,237 |
| Loan loss allowance to noncurrent loans | 480.1527% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 5,828 |
| Noncurrent loans to loans | 0.2184% | 6,899 |
| Net loans and leases to total assets | 87.9660% | 124 |
| Net loans and leases to deposits | 99.8334% | 765 |
| Net loans and leases to core deposits | 178.7003% | 131 |
| Total domestic deposits to total assets | 88.1128% | 1,998 |
| Equity capital to assets | 7.9945% | 6,657 |
| Core capital (leverage) ratio | 8.0421% | 6,174 |
| Tier 1 risk-based capital ratio | 9.9406% | 7,068 |
| Total risk-based capital ratio | 11.1001% | 7,120 |
| Memoranda: | ||
| Average total assets | $67,383,000 | 6,124 |
| Average earning assets | $61,327,500 | 6,117 |
| Average equity | $5,512,000 | 6,670 |
| Average total loans | $59,812,000 | 5,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5130% | 652 |
| Cost of funding earning assets | 1.5000% | 5,513 |
| Net interest margin | 5.0130% | 434 |
| Noninterest income to average assets | 0.5812% | 3,778 |
| Noninterest expense to average assets | 3.1833% | 3,433 |
| Loan and lease loss provision to assets | 0.1542% | 6,130 |
| Net operating income to assets | 1.8375% | 331 |
| Return on assets (ROA) | 1.8375% | 337 |
| Pretax return on assets | 1.8391% | 585 |
| Return on Equity (ROE) | 22.0259% | 165 |
| Retained earnings to average equity (ytd only) | 8.2782% | 633 |
| Net charge-offs to loans | 0.1106% | 6,050 |
| Credit loss provision to net charge-offs | 156.2500% | 2,895 |
| Earnings coverage of net charge-offs (x) | 20.2031% | 1,052 |
| Efficiency ratio | 61.4949% | 6,241 |
| Assets per employee ($millions) | 2.5887% | 7,059 |
| Cash dividends to net income (ytd only)* | 62.4161% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,155 |
| Loan loss allowance to noncurrent loans | 230.7407% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 5,959 |
| Noncurrent loans to loans | 0.4526% | 6,363 |
| Net loans and leases to total assets | 87.7041% | 187 |
| Net loans and leases to deposits | 99.5850% | 941 |
| Net loans and leases to core deposits | 139.5994% | 824 |
| Total domestic deposits to total assets | 88.0696% | 1,944 |
| Equity capital to assets | 8.3661% | 6,106 |
| Core capital (leverage) ratio | 8.4739% | 5,315 |
| Tier 1 risk-based capital ratio | 10.3158% | 6,572 |
| Total risk-based capital ratio | 11.4572% | 6,645 |
| Memoranda: | ||
| Average total assets | $64,870,200 | 6,168 |
| Average earning assets | $59,465,600 | 6,145 |
| Average equity | $5,411,800 | 6,798 |
| Average total loans | $57,882,600 | 5,345 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4961% | 753 |
| Cost of funding earning assets | 1.5738% | 5,520 |
| Net interest margin | 4.9223% | 520 |
| Noninterest income to average assets | 0.5955% | 3,747 |
| Noninterest expense to average assets | 3.0438% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0728% | 246 |
| Return on assets (ROA) | 2.0728% | 276 |
| Pretax return on assets | 2.0748% | 471 |
| Return on Equity (ROE) | 24.8641% | 112 |
| Retained earnings to average equity (ytd only) | 10.3537% | 570 |
| Net charge-offs to loans | 0.1509% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 15.3854% | 1,539 |
| Efficiency ratio | 59.4649% | 6,484 |
| Assets per employee ($millions) | 2.6025% | 7,042 |
| Cash dividends to net income (ytd only)* | 58.3579% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,758 |
| Loan loss allowance to noncurrent loans | 84.4660% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.5554% | 4,034 |
| Noncurrent loans to loans | 1.0649% | 5,186 |
| Net loans and leases to total assets | 88.3913% | 183 |
| Net loans and leases to deposits | 99.9097% | 1,112 |
| Net loans and leases to core deposits | 140.3094% | 903 |
| Total domestic deposits to total assets | 88.4712% | 1,447 |
| Equity capital to assets | 8.6055% | 6,111 |
| Core capital (leverage) ratio | 8.6452% | 5,236 |
| Tier 1 risk-based capital ratio | 10.5558% | 6,409 |
| Total risk-based capital ratio | 11.5399% | 6,640 |
| Memoranda: | ||
| Average total assets | $64,261,000 | 6,240 |
| Average earning assets | $59,049,500 | 6,211 |
| Average equity | $5,357,000 | 6,883 |
| Average total loans | $57,439,750 | 5,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5715% | 697 |
| Cost of funding earning assets | 1.6386% | 5,565 |
| Net interest margin | 4.9329% | 502 |
| Noninterest income to average assets | 0.5438% | 4,083 |
| Noninterest expense to average assets | 3.1441% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9408% | 343 |
| Return on assets (ROA) | 1.9408% | 375 |
| Pretax return on assets | 1.9439% | 642 |
| Return on Equity (ROE) | 23.5391% | 175 |
| Retained earnings to average equity (ytd only) | 7.7706% | 1,285 |
| Net charge-offs to loans | 0.0664% | 5,575 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 32.7368% | 940 |
| Efficiency ratio | 61.7936% | 6,278 |
| Assets per employee ($millions) | 2.6017% | 7,051 |
| Cash dividends to net income (ytd only)* | 66.9887% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,402 |
| Loan loss allowance to noncurrent loans | 94.0397% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 4,681 |
| Noncurrent loans to loans | 1.0395% | 5,141 |
| Net loans and leases to total assets | 88.4569% | 217 |
| Net loans and leases to deposits | 98.5543% | 1,447 |
| Net loans and leases to core deposits | 136.6173% | 1,181 |
| Total domestic deposits to total assets | 89.7545% | 931 |
| Equity capital to assets | 8.2838% | 6,363 |
| Core capital (leverage) ratio | 8.3908% | 5,634 |
| Tier 1 risk-based capital ratio | 10.1647% | 6,756 |
| Total risk-based capital ratio | 11.2363% | 6,875 |
| Memoranda: | ||
| Average total assets | $63,993,670 | 6,303 |
| Average earning assets | $58,951,670 | 6,272 |
| Average equity | $5,276,330 | 6,973 |
| Average total loans | $57,242,330 | 5,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6093% | 697 |
| Cost of funding earning assets | 1.7102% | 5,559 |
| Net interest margin | 4.8990% | 502 |
| Noninterest income to average assets | 0.5483% | 3,935 |
| Noninterest expense to average assets | 3.3402% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7331% | 604 |
| Return on assets (ROA) | 1.7331% | 661 |
| Pretax return on assets | 1.7394% | 1,101 |
| Return on Equity (ROE) | 21.0708% | 358 |
| Retained earnings to average equity (ytd only) | 5.7466% | 2,755 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7568% | 5,374 |
| Assets per employee ($millions) | 2.5418% | 7,202 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 5,942 |
| Loan loss allowance to noncurrent loans | 109.5149% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 4,579 |
| Noncurrent loans to loans | 0.9402% | 5,116 |
| Net loans and leases to total assets | 88.7906% | 210 |
| Net loans and leases to deposits | 100.2220% | 1,386 |
| Net loans and leases to core deposits | 136.3773% | 1,277 |
| Total domestic deposits to total assets | 88.5939% | 1,430 |
| Equity capital to assets | 8.2745% | 6,426 |
| Core capital (leverage) ratio | 8.3570% | 5,798 |
| Tier 1 risk-based capital ratio | 9.9989% | 6,923 |
| Total risk-based capital ratio | 11.1151% | 6,968 |
| Memoranda: | ||
| Average total assets | $63,469,000 | 6,340 |
| Average earning assets | $58,705,500 | 6,314 |
| Average equity | $5,220,500 | 7,047 |
| Average total loans | $56,812,000 | 5,510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5202% | 401 |
| Cost of funding earning assets | 2.4485% | 4,477 |
| Net interest margin | 5.0717% | 435 |
| Noninterest income to average assets | 0.5126% | 4,525 |
| Noninterest expense to average assets | 3.1439% | 3,539 |
| Loan and lease loss provision to assets | 0.7404% | 2,003 |
| Net operating income to assets | 1.2546% | 1,623 |
| Return on assets (ROA) | 1.2546% | 1,563 |
| Pretax return on assets | 1.2563% | 2,458 |
| Return on Equity (ROE) | 15.6142% | 830 |
| Retained earnings to average equity (ytd only) | -2.0657% | 5,889 |
| Net charge-offs to loans | 0.5297% | 2,241 |
| Credit loss provision to net charge-offs | 159.6491% | 3,234 |
| Earnings coverage of net charge-offs (x) | 4.3053% | 4,035 |
| Efficiency ratio | 61.1586% | 6,132 |
| Assets per employee ($millions) | 2.5357% | 7,138 |
| Cash dividends to net income (ytd only)* | 113.2296% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,736 |
| Loan loss allowance to noncurrent loans | 106.9217% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,139 |
| Noncurrent loans to loans | 0.9697% | 4,655 |
| Net loans and leases to total assets | 88.3820% | 336 |
| Net loans and leases to deposits | 107.3806% | 1,012 |
| Net loans and leases to core deposits | 138.8481% | 1,325 |
| Total domestic deposits to total assets | 82.3072% | 4,082 |
| Equity capital to assets | 8.1760% | 6,585 |
| Core capital (leverage) ratio | 8.2854% | 5,983 |
| Tier 1 risk-based capital ratio | 9.9126% | 6,832 |
| Total risk-based capital ratio | 11.0352% | 6,861 |
| Memoranda: | ||
| Average total assets | $61,451,600 | 6,342 |
| Average earning assets | $56,076,000 | 6,334 |
| Average equity | $4,937,800 | 7,165 |
| Average total loans | $53,801,200 | 5,535 |