Home > Farmers Bank of Lohman, Missouri > Performance and Condition Ratios
Farmers Bank of Lohman, Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3523% | 4,443 |
| Cost of funding earning assets | 0.7156% | 3,911 |
| Net interest margin | 2.6367% | 3,919 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.5903% | 4,255 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8269% | 2,781 |
| Return on assets (ROA) | 0.8246% | 2,769 |
| Pretax return on assets | 0.9802% | 2,722 |
| Return on Equity (ROE) | 6.8000% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.3596% | 2,463 |
| Net charge-offs to loans | 0.0249% | 1,819 |
| Credit loss provision to net charge-offs | 83.3333% | 1,998 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 810 |
| Efficiency ratio | 61.6424% | 2,882 |
| Assets per employee ($millions) | 8.2774% | 1,291 |
| Cash dividends to net income (ytd only)* | 21.1382% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 3,843 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,081 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 32.3100% | 4,246 |
| Net loans and leases to deposits | 37.3389% | 4,249 |
| Net loans and leases to core deposits | 38.2739% | 4,310 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 13.1925% | 824 |
| Core capital (leverage) ratio | 17.1247% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,578,000 | 4,072 |
| Average earning assets | $69,176,200 | 4,043 |
| Average equity | $9,049,200 | 3,817 |
| Average total loans | $24,136,600 | 4,232 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 4,455 |
| Cost of funding earning assets | 0.6483% | 3,874 |
| Net interest margin | 2.6569% | 3,940 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.5675% | 4,265 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8698% | 2,795 |
| Return on assets (ROA) | 0.8668% | 2,792 |
| Pretax return on assets | 1.0259% | 2,780 |
| Return on Equity (ROE) | 7.3000% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.3031% | 2,198 |
| Net charge-offs to loans | 0.0332% | 1,423 |
| Credit loss provision to net charge-offs | 83.3333% | 1,739 |
| Earnings coverage of net charge-offs (x) | 96.8333% | 930 |
| Efficiency ratio | 60.1509% | 2,946 |
| Assets per employee ($millions) | 8.1898% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 3,837 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 2,107 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 32.2000% | 4,280 |
| Net loans and leases to deposits | 36.5629% | 4,284 |
| Net loans and leases to core deposits | 37.4678% | 4,303 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | 11.6175% | 1,148 |
| Core capital (leverage) ratio | 16.8413% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $74,598,250 | 4,088 |
| Average earning assets | $69,302,500 | 4,061 |
| Average equity | $8,854,500 | 3,842 |
| Average total loans | $24,101,000 | 4,248 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 4,484 |
| Cost of funding earning assets | 0.5861% | 3,789 |
| Net interest margin | 2.6545% | 4,032 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.5622% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8938% | 2,774 |
| Return on assets (ROA) | 0.8892% | 2,781 |
| Pretax return on assets | 1.0388% | 2,802 |
| Return on Equity (ROE) | 7.4400% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.4400% | 2,152 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9385% | 2,970 |
| Assets per employee ($millions) | 8.3337% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 3,873 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,055 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 31.9400% | 4,284 |
| Net loans and leases to deposits | 36.4755% | 4,286 |
| Net loans and leases to core deposits | 37.1866% | 4,310 |
| Total domestic deposits to total assets | 87.5700% | 1,760 |
| Equity capital to assets | 12.1995% | 994 |
| Core capital (leverage) ratio | 16.3588% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,895,000 | 4,101 |
| Average earning assets | $69,617,000 | 4,080 |
| Average equity | $8,951,667 | 3,854 |
| Average total loans | $24,153,333 | 4,264 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 4,512 |
| Cost of funding earning assets | 0.5046% | 3,671 |
| Net interest margin | 2.6433% | 4,156 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.5446% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9395% | 2,721 |
| Return on assets (ROA) | 0.9300% | 2,713 |
| Pretax return on assets | 1.0422% | 2,880 |
| Return on Equity (ROE) | 7.8600% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.8622% | 2,260 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4650% | 3,025 |
| Assets per employee ($millions) | 8.5317% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 3,997 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,025 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 31.7500% | 4,328 |
| Net loans and leases to deposits | 36.1968% | 4,327 |
| Net loans and leases to core deposits | 37.6008% | 4,326 |
| Total domestic deposits to total assets | 87.7200% | 2,019 |
| Equity capital to assets | 12.0089% | 1,000 |
| Core capital (leverage) ratio | 16.3864% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $74,841,000 | 4,163 |
| Average earning assets | $69,760,000 | 4,132 |
| Average equity | $8,852,500 | 3,909 |
| Average total loans | $24,148,000 | 4,324 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8856% | 4,251 |
| Cost of funding earning assets | 0.1724% | 3,982 |
| Net interest margin | 2.7132% | 4,040 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.5374% | 4,386 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9174% | 2,886 |
| Return on assets (ROA) | 0.9142% | 2,844 |
| Pretax return on assets | 1.1081% | 2,748 |
| Return on Equity (ROE) | 7.5200% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.1396% | 2,593 |
| Net charge-offs to loans | 0.0045% | 2,281 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 870.0000% | 208 |
| Efficiency ratio | 57.7465% | 3,376 |
| Assets per employee ($millions) | 8.0997% | 1,266 |
| Cash dividends to net income (ytd only)* | 18.3876% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 3,848 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 1,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 32.2400% | 4,333 |
| Net loans and leases to deposits | 36.5844% | 4,329 |
| Net loans and leases to core deposits | 37.1401% | 4,356 |
| Total domestic deposits to total assets | 88.1200% | 2,029 |
| Equity capital to assets | 11.6383% | 1,037 |
| Core capital (leverage) ratio | 16.2127% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,336,600 | 4,157 |
| Average earning assets | $71,355,000 | 4,142 |
| Average equity | $9,398,000 | 3,945 |
| Average total loans | $22,190,000 | 4,374 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8217% | 4,166 |
| Cost of funding earning assets | 0.1682% | 3,646 |
| Net interest margin | 2.6536% | 4,017 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.4974% | 4,423 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9093% | 2,832 |
| Return on assets (ROA) | 0.9093% | 2,809 |
| Pretax return on assets | 1.1014% | 2,718 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.4099% | 2,226 |
| Net charge-offs to loans | 0.0061% | 1,936 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 658.0000% | 248 |
| Efficiency ratio | 57.2450% | 3,484 |
| Assets per employee ($millions) | 9.4321% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,840 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 2,106 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.2300% | 4,419 |
| Net loans and leases to deposits | 33.8644% | 4,423 |
| Net loans and leases to core deposits | 34.3541% | 4,434 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 10.4815% | 1,377 |
| Core capital (leverage) ratio | 15.5022% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $78,446,500 | 4,177 |
| Average earning assets | $72,152,250 | 4,162 |
| Average equity | $9,626,500 | 3,957 |
| Average total loans | $21,810,500 | 4,410 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6925% | 4,152 |
| Cost of funding earning assets | 0.1695% | 3,323 |
| Net interest margin | 2.5230% | 4,051 |
| Noninterest income to average assets | 0.1158% | 4,417 |
| Noninterest expense to average assets | 1.4451% | 4,477 |
| Loan and lease loss provision to assets | 0.0252% | 2,146 |
| Net operating income to assets | 0.8081% | 2,924 |
| Return on assets (ROA) | 0.8081% | 2,894 |
| Pretax return on assets | 0.9692% | 2,833 |
| Return on Equity (ROE) | 6.2947% | 3,502 |
| Retained earnings to average equity (ytd only) | 6.2947% | 2,237 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2363% | 3,409 |
| Assets per employee ($millions) | 8.7554% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 3,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 2,237 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 28.6184% | 4,500 |
| Net loans and leases to deposits | 32.3850% | 4,489 |
| Net loans and leases to core deposits | 32.8373% | 4,512 |
| Total domestic deposits to total assets | 88.3691% | 2,435 |
| Equity capital to assets | 11.4456% | 1,045 |
| Core capital (leverage) ratio | 14.9021% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,443,000 | 4,212 |
| Average earning assets | $73,166,667 | 4,209 |
| Average equity | $10,199,000 | 3,962 |
| Average total loans | $21,409,000 | 4,471 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5788% | 4,159 |
| Cost of funding earning assets | 0.1636% | 3,316 |
| Net interest margin | 2.4152% | 4,043 |
| Noninterest income to average assets | 0.1153% | 4,430 |
| Noninterest expense to average assets | 1.4142% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7923% | 2,685 |
| Return on assets (ROA) | 0.7923% | 2,683 |
| Pretax return on assets | 0.9227% | 2,688 |
| Return on Equity (ROE) | 5.8578% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.8578% | 2,292 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5150% | 3,433 |
| Assets per employee ($millions) | 7.9936% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,941 |
| Loan loss allowance to noncurrent loans | 9,950.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,355 |
| Noncurrent loans to loans | 0.0094% | 3,953 |
| Net loans and leases to total assets | 26.3786% | 4,551 |
| Net loans and leases to deposits | 30.2430% | 4,546 |
| Net loans and leases to core deposits | 30.6643% | 4,569 |
| Total domestic deposits to total assets | 87.2223% | 2,846 |
| Equity capital to assets | 12.4099% | 831 |
| Core capital (leverage) ratio | 14.7235% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,765,000 | 4,226 |
| Average earning assets | $73,368,500 | 4,220 |
| Average equity | $10,789,000 | 3,972 |
| Average total loans | $20,733,500 | 4,507 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8187% | 4,178 |
| Cost of funding earning assets | 0.2078% | 3,390 |
| Net interest margin | 2.6109% | 4,033 |
| Noninterest income to average assets | 0.1194% | 4,534 |
| Noninterest expense to average assets | 1.4573% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9155% | 2,984 |
| Return on assets (ROA) | 0.9155% | 3,046 |
| Pretax return on assets | 1.0824% | 3,025 |
| Return on Equity (ROE) | 6.0708% | 3,760 |
| Retained earnings to average equity (ytd only) | 4.6489% | 2,948 |
| Net charge-offs to loans | 0.0199% | 1,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 210.7500% | 519 |
| Efficiency ratio | 57.3812% | 3,537 |
| Assets per employee ($millions) | 8.8438% | 970 |
| Cash dividends to net income (ytd only)* | 23.4222% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,494 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 25.1062% | 4,649 |
| Net loans and leases to deposits | 29.5550% | 4,630 |
| Net loans and leases to core deposits | 29.9797% | 4,643 |
| Total domestic deposits to total assets | 84.9474% | 3,288 |
| Equity capital to assets | 14.6468% | 549 |
| Core capital (leverage) ratio | 14.5346% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,883,200 | 4,248 |
| Average earning assets | $72,197,400 | 4,228 |
| Average equity | $11,744,800 | 3,962 |
| Average total loans | $20,130,200 | 4,566 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9243% | 4,127 |
| Cost of funding earning assets | 0.2191% | 3,433 |
| Net interest margin | 2.7052% | 3,961 |
| Noninterest income to average assets | 0.1153% | 4,597 |
| Noninterest expense to average assets | 1.4649% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9709% | 3,015 |
| Return on assets (ROA) | 0.9709% | 3,096 |
| Pretax return on assets | 1.1585% | 3,051 |
| Return on Equity (ROE) | 6.3909% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.3909% | 2,654 |
| Net charge-offs to loans | 0.0133% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 336.5000% | 405 |
| Efficiency ratio | 55.8399% | 3,551 |
| Assets per employee ($millions) | 7.7991% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 3,892 |
| Loan loss allowance to noncurrent loans | 10,050.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 2,679 |
| Noncurrent loans to loans | 0.0098% | 4,138 |
| Net loans and leases to total assets | 25.8543% | 4,706 |
| Net loans and leases to deposits | 30.7008% | 4,688 |
| Net loans and leases to core deposits | 31.1548% | 4,704 |
| Total domestic deposits to total assets | 84.2136% | 3,400 |
| Equity capital to assets | 15.2787% | 501 |
| Core capital (leverage) ratio | 14.5941% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,455,500 | 4,309 |
| Average earning assets | $71,810,500 | 4,289 |
| Average equity | $11,766,500 | 4,011 |
| Average total loans | $20,117,250 | 4,633 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 3,874 |
| Cost of funding earning assets | 0.2323% | 3,450 |
| Net interest margin | 2.8660% | 3,644 |
| Noninterest income to average assets | 0.1165% | 4,618 |
| Noninterest expense to average assets | 1.4597% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0870% | 2,586 |
| Return on assets (ROA) | 1.0870% | 2,659 |
| Pretax return on assets | 1.3070% | 2,617 |
| Return on Equity (ROE) | 7.1693% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.1693% | 2,367 |
| Net charge-offs to loans | 0.0200% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 429 |
| Efficiency ratio | 52.7596% | 3,954 |
| Assets per employee ($millions) | 7.9293% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,866 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 25.8194% | 4,753 |
| Net loans and leases to deposits | 30.4980% | 4,746 |
| Net loans and leases to core deposits | 30.9381% | 4,759 |
| Total domestic deposits to total assets | 84.6594% | 3,236 |
| Equity capital to assets | 14.8916% | 545 |
| Core capital (leverage) ratio | 14.5395% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,277,000 | 4,333 |
| Average earning assets | $71,458,333 | 4,323 |
| Average equity | $11,716,667 | 4,021 |
| Average total loans | $20,034,667 | 4,670 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 3,587 |
| Cost of funding earning assets | 0.2433% | 3,535 |
| Net interest margin | 3.0041% | 3,244 |
| Noninterest income to average assets | 0.1259% | 4,569 |
| Noninterest expense to average assets | 1.4580% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2167% | 2,082 |
| Return on assets (ROA) | 1.2167% | 2,170 |
| Pretax return on assets | 1.4528% | 2,130 |
| Return on Equity (ROE) | 7.9513% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.9513% | 2,257 |
| Net charge-offs to loans | 0.0406% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 512 |
| Efficiency ratio | 50.0901% | 4,179 |
| Assets per employee ($millions) | 8.5757% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,846 |
| Loan loss allowance to noncurrent loans | 1,435.7143% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,948 |
| Noncurrent loans to loans | 0.0695% | 3,942 |
| Net loans and leases to total assets | 25.8574% | 4,787 |
| Net loans and leases to deposits | 30.5377% | 4,787 |
| Net loans and leases to core deposits | 31.0002% | 4,801 |
| Total domestic deposits to total assets | 84.6737% | 3,230 |
| Equity capital to assets | 14.9959% | 497 |
| Core capital (leverage) ratio | 14.6854% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,269,000 | 4,364 |
| Average earning assets | $70,703,000 | 4,350 |
| Average equity | $11,671,000 | 4,038 |
| Average total loans | $19,715,000 | 4,700 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8164% | 4,744 |
| Cost of funding earning assets | 0.4313% | 3,396 |
| Net interest margin | 2.3851% | 4,663 |
| Noninterest income to average assets | 0.1460% | 4,567 |
| Noninterest expense to average assets | 1.5583% | 4,736 |
| Loan and lease loss provision to assets | 0.0070% | 4,268 |
| Net operating income to assets | 0.6951% | 3,451 |
| Return on assets (ROA) | 0.6951% | 3,582 |
| Pretax return on assets | 0.7868% | 3,660 |
| Return on Equity (ROE) | 4.4027% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.3109% | 3,169 |
| Net charge-offs to loans | 0.0832% | 1,634 |
| Credit loss provision to net charge-offs | 31.2500% | 3,212 |
| Earnings coverage of net charge-offs (x) | 35.6875% | 1,476 |
| Efficiency ratio | 66.2530% | 2,492 |
| Assets per employee ($millions) | 8.3730% | 921 |
| Cash dividends to net income (ytd only)* | 24.8000% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,673 |
| Loan loss allowance to noncurrent loans | 1,015.0000% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 3,027 |
| Noncurrent loans to loans | 0.1038% | 3,877 |
| Net loans and leases to total assets | 25.3049% | 4,832 |
| Net loans and leases to deposits | 30.1396% | 4,832 |
| Net loans and leases to core deposits | 30.6093% | 4,844 |
| Total domestic deposits to total assets | 83.9590% | 3,126 |
| Equity capital to assets | 15.6163% | 473 |
| Core capital (leverage) ratio | 14.5596% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,936,200 | 4,356 |
| Average earning assets | $66,538,600 | 4,345 |
| Average equity | $11,356,600 | 4,042 |
| Average total loans | $19,232,800 | 4,734 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8751% | 4,804 |
| Cost of funding earning assets | 0.4809% | 3,353 |
| Net interest margin | 2.3942% | 4,726 |
| Noninterest income to average assets | 0.1519% | 4,537 |
| Noninterest expense to average assets | 1.5963% | 4,733 |
| Loan and lease loss provision to assets | 0.0098% | 4,178 |
| Net operating income to assets | 0.6678% | 3,573 |
| Return on assets (ROA) | 0.6678% | 3,678 |
| Pretax return on assets | 0.7597% | 3,752 |
| Return on Equity (ROE) | 4.2177% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.2177% | 2,938 |
| Net charge-offs to loans | 0.1110% | 1,232 |
| Credit loss provision to net charge-offs | 31.2500% | 2,950 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 1,718 |
| Efficiency ratio | 67.4861% | 2,251 |
| Assets per employee ($millions) | 8.3417% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,481 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 3,288 |
| Noncurrent loans to loans | 0.0206% | 4,328 |
| Net loans and leases to total assets | 25.5558% | 4,885 |
| Net loans and leases to deposits | 30.4878% | 4,891 |
| Net loans and leases to core deposits | 30.9636% | 4,897 |
| Total domestic deposits to total assets | 83.8228% | 2,884 |
| Equity capital to assets | 15.6976% | 511 |
| Core capital (leverage) ratio | 14.6444% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3342% | 200 |
| Memoranda: | ||
| Average total assets | $71,081,000 | 4,373 |
| Average earning assets | $65,712,000 | 4,368 |
| Average equity | $11,253,750 | 4,061 |
| Average total loans | $19,223,000 | 4,763 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 4,877 |
| Cost of funding earning assets | 0.5360% | 3,313 |
| Net interest margin | 2.3735% | 4,805 |
| Noninterest income to average assets | 0.1663% | 4,460 |
| Noninterest expense to average assets | 1.6488% | 4,732 |
| Loan and lease loss provision to assets | 0.0143% | 4,048 |
| Net operating income to assets | 0.6108% | 3,703 |
| Return on assets (ROA) | 0.6108% | 3,782 |
| Pretax return on assets | 0.6996% | 3,871 |
| Return on Equity (ROE) | 3.8459% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.8459% | 2,986 |
| Net charge-offs to loans | 0.1148% | 1,155 |
| Credit loss provision to net charge-offs | 45.4545% | 2,643 |
| Earnings coverage of net charge-offs (x) | 22.6364% | 1,623 |
| Efficiency ratio | 69.7816% | 1,986 |
| Assets per employee ($millions) | 8.2066% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,120 |
| Loan loss allowance to noncurrent loans | 6,933.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,385 |
| Noncurrent loans to loans | 0.0157% | 4,444 |
| Net loans and leases to total assets | 25.5351% | 4,918 |
| Net loans and leases to deposits | 30.4562% | 4,925 |
| Net loans and leases to core deposits | 31.1303% | 4,926 |
| Total domestic deposits to total assets | 83.8422% | 2,801 |
| Equity capital to assets | 15.6866% | 514 |
| Core capital (leverage) ratio | 15.1800% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,749,667 | 4,402 |
| Average earning assets | $64,546,667 | 4,399 |
| Average equity | $11,076,667 | 4,089 |
| Average total loans | $19,167,667 | 4,789 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 4,948 |
| Cost of funding earning assets | 0.6173% | 3,349 |
| Net interest margin | 2.3993% | 4,879 |
| Noninterest income to average assets | 0.1773% | 4,483 |
| Noninterest expense to average assets | 1.7727% | 4,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5732% | 3,677 |
| Return on assets (ROA) | 0.5732% | 3,740 |
| Pretax return on assets | 0.6322% | 3,857 |
| Return on Equity (ROE) | 3.5853% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.5853% | 2,856 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7101% | 1,855 |
| Assets per employee ($millions) | 6.7479% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,171 |
| Loan loss allowance to noncurrent loans | 375.4386% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,098 |
| Noncurrent loans to loans | 0.2947% | 3,447 |
| Net loans and leases to total assets | 28.3451% | 4,932 |
| Net loans and leases to deposits | 33.8861% | 4,935 |
| Net loans and leases to core deposits | 34.8867% | 4,934 |
| Total domestic deposits to total assets | 83.6482% | 2,907 |
| Equity capital to assets | 16.0835% | 569 |
| Core capital (leverage) ratio | 15.8346% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,695,000 | 4,444 |
| Average earning assets | $62,850,500 | 4,434 |
| Average equity | $10,822,000 | 4,130 |
| Average total loans | $19,217,500 | 4,821 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 5,043 |
| Cost of funding earning assets | 0.6071% | 3,609 |
| Net interest margin | 2.4362% | 4,996 |
| Noninterest income to average assets | 0.1639% | 4,668 |
| Noninterest expense to average assets | 1.6902% | 4,880 |
| Loan and lease loss provision to assets | 0.0195% | 3,630 |
| Net operating income to assets | 0.6785% | 3,929 |
| Return on assets (ROA) | 0.6812% | 3,990 |
| Pretax return on assets | 0.7504% | 4,081 |
| Return on Equity (ROE) | 4.3650% | 4,384 |
| Retained earnings to average equity (ytd only) | 3.1702% | 3,432 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7882% | 2,348 |
| Assets per employee ($millions) | 6.1737% | 1,504 |
| Cash dividends to net income (ytd only)* | 27.3731% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,830 |
| Loan loss allowance to noncurrent loans | 305.7143% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 2,991 |
| Noncurrent loans to loans | 0.3666% | 3,135 |
| Net loans and leases to total assets | 27.8011% | 4,999 |
| Net loans and leases to deposits | 33.1536% | 5,006 |
| Net loans and leases to core deposits | 34.1250% | 5,013 |
| Total domestic deposits to total assets | 83.8553% | 2,893 |
| Equity capital to assets | 15.8899% | 626 |
| Core capital (leverage) ratio | 15.5326% | 588 |
| Tier 1 risk-based capital ratio | 33.8957% | 357 |
| Total risk-based capital ratio | 34.5822% | 373 |
| Memoranda: | ||
| Average total assets | $66,500,800 | 4,488 |
| Average earning assets | $62,597,400 | 4,467 |
| Average equity | $10,378,000 | 4,188 |
| Average total loans | $17,741,200 | 4,908 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0251% | 5,147 |
| Cost of funding earning assets | 0.5982% | 3,708 |
| Net interest margin | 2.4270% | 5,096 |
| Noninterest income to average assets | 0.1612% | 4,739 |
| Noninterest expense to average assets | 1.6831% | 4,941 |
| Loan and lease loss provision to assets | 0.0161% | 3,586 |
| Net operating income to assets | 0.6837% | 4,063 |
| Return on assets (ROA) | 0.6873% | 4,112 |
| Pretax return on assets | 0.7559% | 4,227 |
| Return on Equity (ROE) | 4.4250% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.4250% | 3,180 |
| Net charge-offs to loans | -0.0153% | 4,511 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6678% | 2,310 |
| Assets per employee ($millions) | 6.1644% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,726 |
| Loan loss allowance to noncurrent loans | 3,516.6667% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 3,528 |
| Noncurrent loans to loans | 0.0330% | 4,516 |
| Net loans and leases to total assets | 26.5367% | 5,105 |
| Net loans and leases to deposits | 31.6701% | 5,112 |
| Net loans and leases to core deposits | 32.5955% | 5,117 |
| Total domestic deposits to total assets | 83.7910% | 2,896 |
| Equity capital to assets | 15.9200% | 648 |
| Core capital (leverage) ratio | 15.7346% | 595 |
| Tier 1 risk-based capital ratio | 35.1614% | 339 |
| Total risk-based capital ratio | 35.8627% | 346 |
| Memoranda: | ||
| Average total assets | $66,148,250 | 4,550 |
| Average earning assets | $62,408,500 | 4,523 |
| Average equity | $10,274,750 | 4,248 |
| Average total loans | $17,403,000 | 4,994 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 5,210 |
| Cost of funding earning assets | 0.5812% | 3,749 |
| Net interest margin | 2.4087% | 5,165 |
| Noninterest income to average assets | 0.1555% | 4,799 |
| Noninterest expense to average assets | 1.7166% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6742% | 4,087 |
| Return on assets (ROA) | 0.6799% | 4,123 |
| Pretax return on assets | 0.7196% | 4,284 |
| Return on Equity (ROE) | 4.4153% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.4153% | 3,061 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6399% | 2,129 |
| Assets per employee ($millions) | 6.0345% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 2,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 3,547 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 26.4025% | 5,148 |
| Net loans and leases to deposits | 31.4712% | 5,155 |
| Net loans and leases to core deposits | 32.4057% | 5,162 |
| Total domestic deposits to total assets | 83.8942% | 2,909 |
| Equity capital to assets | 15.9370% | 624 |
| Core capital (leverage) ratio | 15.9257% | 555 |
| Tier 1 risk-based capital ratio | 35.6316% | 321 |
| Total risk-based capital ratio | 36.3163% | 333 |
| Memoranda: | ||
| Average total assets | $65,595,000 | 4,596 |
| Average earning assets | $61,943,330 | 4,570 |
| Average equity | $10,101,330 | 4,286 |
| Average total loans | $17,135,670 | 5,043 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 5,290 |
| Cost of funding earning assets | 0.5531% | 3,811 |
| Net interest margin | 2.3816% | 5,230 |
| Noninterest income to average assets | 0.1595% | 4,782 |
| Noninterest expense to average assets | 1.7239% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6032% | 4,234 |
| Return on assets (ROA) | 0.6196% | 4,223 |
| Pretax return on assets | 0.6994% | 4,303 |
| Return on Equity (ROE) | 4.0963% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.0963% | 3,281 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6837% | 2,084 |
| Assets per employee ($millions) | 5.4474% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 3,574 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 25.5519% | 5,214 |
| Net loans and leases to deposits | 30.2651% | 5,219 |
| Net loans and leases to core deposits | 31.1675% | 5,226 |
| Total domestic deposits to total assets | 84.4269% | 2,882 |
| Equity capital to assets | 15.4890% | 653 |
| Core capital (leverage) ratio | 16.0402% | 525 |
| Tier 1 risk-based capital ratio | 35.4342% | 316 |
| Total risk-based capital ratio | 36.1231% | 320 |
| Memoranda: | ||
| Average total assets | $65,202,500 | 4,652 |
| Average earning assets | $61,472,500 | 4,627 |
| Average equity | $9,862,500 | 4,346 |
| Average total loans | $16,840,000 | 5,108 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9317% | 5,254 |
| Cost of funding earning assets | 0.4604% | 3,607 |
| Net interest margin | 2.4713% | 5,228 |
| Noninterest income to average assets | 0.1553% | 4,944 |
| Noninterest expense to average assets | 1.5836% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7038% | 4,132 |
| Return on assets (ROA) | 0.7073% | 4,123 |
| Pretax return on assets | 0.8913% | 3,921 |
| Return on Equity (ROE) | 4.9731% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.7218% | 3,528 |
| Net charge-offs to loans | 0.0061% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 588.0000% | 185 |
| Efficiency ratio | 64.1026% | 3,177 |
| Assets per employee ($millions) | 5.9124% | 1,582 |
| Cash dividends to net income (ytd only)* | 25.1599% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,539 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 25.4859% | 5,261 |
| Net loans and leases to deposits | 29.9247% | 5,271 |
| Net loans and leases to core deposits | 30.8103% | 5,266 |
| Total domestic deposits to total assets | 85.1667% | 2,580 |
| Equity capital to assets | 14.7611% | 772 |
| Core capital (leverage) ratio | 15.6621% | 576 |
| Tier 1 risk-based capital ratio | 34.5668% | 329 |
| Total risk-based capital ratio | 35.2455% | 336 |
| Memoranda: | ||
| Average total assets | $66,305,600 | 4,647 |
| Average earning assets | $62,113,800 | 4,629 |
| Average equity | $9,430,800 | 4,392 |
| Average total loans | $16,349,600 | 5,165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9020% | 5,325 |
| Cost of funding earning assets | 0.4430% | 3,579 |
| Net interest margin | 2.4590% | 5,299 |
| Noninterest income to average assets | 0.1521% | 5,018 |
| Noninterest expense to average assets | 1.5650% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6857% | 4,270 |
| Return on assets (ROA) | 0.6904% | 4,265 |
| Pretax return on assets | 0.8926% | 4,047 |
| Return on Equity (ROE) | 4.8995% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8995% | 3,288 |
| Net charge-offs to loans | 0.0082% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 444.0977% | 208 |
| Efficiency ratio | 63.8367% | 3,209 |
| Assets per employee ($millions) | 5.4830% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,656 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 24.5349% | 5,346 |
| Net loans and leases to deposits | 28.6259% | 5,356 |
| Net loans and leases to core deposits | 29.2472% | 5,354 |
| Total domestic deposits to total assets | 85.7089% | 2,322 |
| Equity capital to assets | 14.1148% | 921 |
| Core capital (leverage) ratio | 15.4976% | 598 |
| Tier 1 risk-based capital ratio | 34.5734% | 332 |
| Total risk-based capital ratio | 35.2526% | 336 |
| Memoranda: | ||
| Average total assets | $66,623,000 | 4,692 |
| Average earning assets | $62,301,000 | 4,672 |
| Average equity | $9,388,500 | 4,440 |
| Average total loans | $16,243,000 | 5,229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8659% | 5,385 |
| Cost of funding earning assets | 0.4222% | 3,555 |
| Net interest margin | 2.4437% | 5,369 |
| Noninterest income to average assets | 0.1405% | 5,114 |
| Noninterest expense to average assets | 1.5576% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6481% | 4,350 |
| Return on assets (ROA) | 0.6458% | 4,367 |
| Pretax return on assets | 0.8640% | 4,072 |
| Return on Equity (ROE) | 4.5849% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.5849% | 3,299 |
| Net charge-offs to loans | 0.0123% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 311 |
| Efficiency ratio | 64.2417% | 3,287 |
| Assets per employee ($millions) | 6.0932% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,747 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 24.1895% | 5,409 |
| Net loans and leases to deposits | 28.1466% | 5,415 |
| Net loans and leases to core deposits | 28.7429% | 5,414 |
| Total domestic deposits to total assets | 85.9411% | 2,309 |
| Equity capital to assets | 13.9112% | 957 |
| Core capital (leverage) ratio | 15.1706% | 636 |
| Tier 1 risk-based capital ratio | 33.4492% | 362 |
| Total risk-based capital ratio | 34.1147% | 375 |
| Memoranda: | ||
| Average total assets | $66,898,670 | 4,741 |
| Average earning assets | $62,529,000 | 4,720 |
| Average equity | $9,422,330 | 4,470 |
| Average total loans | $16,209,330 | 5,291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8114% | 5,452 |
| Cost of funding earning assets | 0.4035% | 3,553 |
| Net interest margin | 2.4079% | 5,437 |
| Noninterest income to average assets | 0.1556% | 5,082 |
| Noninterest expense to average assets | 1.6758% | 5,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6464% | 4,292 |
| Return on assets (ROA) | 0.6464% | 4,302 |
| Pretax return on assets | 0.7302% | 4,355 |
| Return on Equity (ROE) | 4.5611% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,376 |
| Net charge-offs to loans | 0.0497% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 838 |
| Efficiency ratio | 69.6517% | 2,539 |
| Assets per employee ($millions) | 6.0299% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,839 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 24.4720% | 5,458 |
| Net loans and leases to deposits | 28.5448% | 5,464 |
| Net loans and leases to core deposits | 29.1565% | 5,470 |
| Total domestic deposits to total assets | 85.7317% | 2,662 |
| Equity capital to assets | 14.1009% | 864 |
| Core capital (leverage) ratio | 15.1158% | 634 |
| Tier 1 risk-based capital ratio | 32.7308% | 387 |
| Total risk-based capital ratio | 33.3857% | 395 |
| Memoranda: | ||
| Average total assets | $66,835,500 | 4,799 |
| Average earning assets | $62,460,000 | 4,780 |
| Average equity | $9,471,500 | 4,508 |
| Average total loans | $16,107,000 | 5,349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8103% | 5,456 |
| Cost of funding earning assets | 0.3861% | 3,378 |
| Net interest margin | 2.4242% | 5,447 |
| Noninterest income to average assets | 0.1578% | 5,173 |
| Noninterest expense to average assets | 1.6320% | 5,386 |
| Loan and lease loss provision to assets | 0.0102% | 4,074 |
| Net operating income to assets | 0.6523% | 3,809 |
| Return on assets (ROA) | 0.6487% | 3,862 |
| Pretax return on assets | 0.7773% | 4,309 |
| Return on Equity (ROE) | 4.6457% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.4006% | 3,249 |
| Net charge-offs to loans | 0.0271% | 3,268 |
| Credit loss provision to net charge-offs | 175.0000% | 1,550 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 509 |
| Efficiency ratio | 67.3297% | 3,033 |
| Assets per employee ($millions) | 6.7342% | 1,088 |
| Cash dividends to net income (ytd only)* | 26.8018% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 3,874 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 23.1356% | 5,544 |
| Net loans and leases to deposits | 27.0209% | 5,547 |
| Net loans and leases to core deposits | 27.5952% | 5,553 |
| Total domestic deposits to total assets | 85.6212% | 2,605 |
| Equity capital to assets | 14.2407% | 846 |
| Core capital (leverage) ratio | 14.5523% | 719 |
| Tier 1 risk-based capital ratio | 33.1667% | 367 |
| Total risk-based capital ratio | 33.8443% | 375 |
| Memoranda: | ||
| Average total assets | $68,444,000 | 4,805 |
| Average earning assets | $63,979,200 | 4,787 |
| Average equity | $9,557,200 | 4,515 |
| Average total loans | $14,772,200 | 5,447 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7943% | 5,523 |
| Cost of funding earning assets | 0.3864% | 3,314 |
| Net interest margin | 2.4079% | 5,522 |
| Noninterest income to average assets | 0.1513% | 5,256 |
| Noninterest expense to average assets | 1.6259% | 5,430 |
| Loan and lease loss provision to assets | 0.0136% | 3,877 |
| Net operating income to assets | 0.6433% | 4,217 |
| Return on assets (ROA) | 0.6383% | 4,293 |
| Pretax return on assets | 0.7547% | 4,466 |
| Return on Equity (ROE) | 4.5938% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.5938% | 3,146 |
| Net charge-offs to loans | 0.0367% | 2,704 |
| Credit loss provision to net charge-offs | 175.0000% | 1,501 |
| Earnings coverage of net charge-offs (x) | 99.8105% | 690 |
| Efficiency ratio | 67.7445% | 2,924 |
| Assets per employee ($millions) | 6.8110% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 4,060 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 22.7646% | 5,617 |
| Net loans and leases to deposits | 26.7047% | 5,619 |
| Net loans and leases to core deposits | 27.2673% | 5,623 |
| Total domestic deposits to total assets | 85.2459% | 2,619 |
| Equity capital to assets | 14.5794% | 834 |
| Core capital (leverage) ratio | 14.3706% | 799 |
| Tier 1 risk-based capital ratio | 32.8289% | 390 |
| Total risk-based capital ratio | 33.4993% | 400 |
| Memoranda: | ||
| Average total assets | $68,719,500 | 4,848 |
| Average earning assets | $64,176,500 | 4,834 |
| Average equity | $9,549,000 | 4,563 |
| Average total loans | $14,519,750 | 5,508 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7686% | 5,568 |
| Cost of funding earning assets | 0.3866% | 3,215 |
| Net interest margin | 2.3820% | 5,578 |
| Noninterest income to average assets | 0.1538% | 5,291 |
| Noninterest expense to average assets | 1.6076% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6510% | 4,077 |
| Return on assets (ROA) | 0.6239% | 4,238 |
| Pretax return on assets | 0.7313% | 4,472 |
| Return on Equity (ROE) | 4.5638% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.5638% | 2,992 |
| Net charge-offs to loans | 0.0425% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 713 |
| Efficiency ratio | 67.8091% | 3,049 |
| Assets per employee ($millions) | 6.3549% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,120 |
| Loan loss allowance to noncurrent loans | 435.5556% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,892 |
| Noncurrent loans to loans | 0.3122% | 3,922 |
| Net loans and leases to total assets | 20.3379% | 5,680 |
| Net loans and leases to deposits | 23.7009% | 5,687 |
| Net loans and leases to core deposits | 24.2049% | 5,689 |
| Total domestic deposits to total assets | 85.8105% | 2,467 |
| Equity capital to assets | 14.0435% | 952 |
| Core capital (leverage) ratio | 14.1768% | 809 |
| Tier 1 risk-based capital ratio | 31.1033% | 429 |
| Total risk-based capital ratio | 31.7268% | 448 |
| Memoranda: | ||
| Average total assets | $68,922,670 | 4,879 |
| Average earning assets | $64,147,000 | 4,862 |
| Average equity | $9,422,000 | 4,604 |
| Average total loans | $14,124,000 | 5,568 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7246% | 5,633 |
| Cost of funding earning assets | 0.3838% | 3,159 |
| Net interest margin | 2.3408% | 5,642 |
| Noninterest income to average assets | 0.1403% | 5,410 |
| Noninterest expense to average assets | 1.6425% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5866% | 4,210 |
| Return on assets (ROA) | 0.5611% | 4,367 |
| Pretax return on assets | 0.6430% | 4,617 |
| Return on Equity (ROE) | 4.1628% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,375 |
| Net charge-offs to loans | 0.0858% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 38.3333% | 1,064 |
| Efficiency ratio | 70.9596% | 2,746 |
| Assets per employee ($millions) | 6.3094% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 2,119 |
| Loan loss allowance to noncurrent loans | 417.0213% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,940 |
| Noncurrent loans to loans | 0.3330% | 3,914 |
| Net loans and leases to total assets | 20.0524% | 5,750 |
| Net loans and leases to deposits | 23.2202% | 5,752 |
| Net loans and leases to core deposits | 23.7135% | 5,751 |
| Total domestic deposits to total assets | 86.3579% | 2,509 |
| Equity capital to assets | 13.5542% | 1,056 |
| Core capital (leverage) ratio | 14.2327% | 781 |
| Tier 1 risk-based capital ratio | 30.9185% | 451 |
| Total risk-based capital ratio | 31.5459% | 462 |
| Memoranda: | ||
| Average total assets | $68,432,000 | 4,941 |
| Average earning assets | $63,568,500 | 4,926 |
| Average equity | $9,224,500 | 4,676 |
| Average total loans | $13,979,500 | 5,636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8346% | 5,624 |
| Cost of funding earning assets | 0.3969% | 3,030 |
| Net interest margin | 2.4377% | 5,618 |
| Noninterest income to average assets | 0.0909% | 5,669 |
| Noninterest expense to average assets | 1.5755% | 5,664 |
| Loan and lease loss provision to assets | 0.0249% | 3,858 |
| Net operating income to assets | 0.6439% | 4,026 |
| Return on assets (ROA) | 0.7005% | 3,889 |
| Pretax return on assets | 0.8354% | 4,067 |
| Return on Equity (ROE) | 4.9791% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.7395% | 3,257 |
| Net charge-offs to loans | 0.0816% | 2,525 |
| Credit loss provision to net charge-offs | 154.5455% | 1,774 |
| Earnings coverage of net charge-offs (x) | 49.1818% | 1,016 |
| Efficiency ratio | 66.5223% | 3,506 |
| Assets per employee ($millions) | 5.6218% | 1,767 |
| Cash dividends to net income (ytd only)* | 24.8954% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,933 |
| Loan loss allowance to noncurrent loans | 1,170.5882% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 4,166 |
| Noncurrent loans to loans | 0.1228% | 4,744 |
| Net loans and leases to total assets | 20.2295% | 5,800 |
| Net loans and leases to deposits | 23.3910% | 5,806 |
| Net loans and leases to core deposits | 23.7306% | 5,810 |
| Total domestic deposits to total assets | 86.4840% | 2,379 |
| Equity capital to assets | 13.4033% | 1,087 |
| Core capital (leverage) ratio | 14.0572% | 803 |
| Tier 1 risk-based capital ratio | 31.0213% | 440 |
| Total risk-based capital ratio | 31.6669% | 460 |
| Memoranda: | ||
| Average total assets | $68,233,800 | 4,972 |
| Average earning assets | $63,749,000 | 4,947 |
| Average equity | $9,600,200 | 4,648 |
| Average total loans | $13,488,000 | 5,696 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8453% | 5,698 |
| Cost of funding earning assets | 0.3981% | 3,041 |
| Net interest margin | 2.4471% | 5,688 |
| Noninterest income to average assets | 0.1208% | 5,642 |
| Noninterest expense to average assets | 1.5666% | 5,714 |
| Loan and lease loss provision to assets | 0.0195% | 3,857 |
| Net operating income to assets | 0.6731% | 3,995 |
| Return on assets (ROA) | 0.7482% | 3,742 |
| Pretax return on assets | 0.9138% | 3,929 |
| Return on Equity (ROE) | 5.2567% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2567% | 2,663 |
| Net charge-offs to loans | 0.1095% | 1,848 |
| Credit loss provision to net charge-offs | 90.9091% | 2,516 |
| Earnings coverage of net charge-offs (x) | 39.2631% | 1,262 |
| Efficiency ratio | 65.0485% | 3,755 |
| Assets per employee ($millions) | 5.7007% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 2,162 |
| Loan loss allowance to noncurrent loans | 19,200.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 3,012 |
| Noncurrent loans to loans | 0.0073% | 5,384 |
| Net loans and leases to total assets | 19.6527% | 5,876 |
| Net loans and leases to deposits | 23.1542% | 5,877 |
| Net loans and leases to core deposits | 23.4912% | 5,884 |
| Total domestic deposits to total assets | 84.8775% | 2,863 |
| Equity capital to assets | 14.6269% | 832 |
| Core capital (leverage) ratio | 13.9368% | 869 |
| Tier 1 risk-based capital ratio | 31.6631% | 425 |
| Total risk-based capital ratio | 32.2973% | 440 |
| Memoranda: | ||
| Average total assets | $68,427,000 | 5,009 |
| Average earning assets | $63,964,000 | 4,985 |
| Average equity | $9,739,750 | 4,665 |
| Average total loans | $13,398,500 | 5,761 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8686% | 5,757 |
| Cost of funding earning assets | 0.3964% | 3,080 |
| Net interest margin | 2.4722% | 5,760 |
| Noninterest income to average assets | 0.1315% | 5,659 |
| Noninterest expense to average assets | 1.5373% | 5,810 |
| Loan and lease loss provision to assets | 0.0292% | 3,546 |
| Net operating income to assets | 0.7479% | 3,558 |
| Return on assets (ROA) | 0.8622% | 3,161 |
| Pretax return on assets | 1.0141% | 3,532 |
| Return on Equity (ROE) | 6.1134% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.1134% | 2,062 |
| Net charge-offs to loans | 0.1051% | 1,775 |
| Credit loss provision to net charge-offs | 142.8571% | 1,652 |
| Earnings coverage of net charge-offs (x) | 44.4286% | 1,081 |
| Efficiency ratio | 62.8435% | 4,198 |
| Assets per employee ($millions) | 5.7391% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 2,053 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 2,819 |
| Noncurrent loans to loans | 0.3636% | 4,063 |
| Net loans and leases to total assets | 19.2844% | 5,948 |
| Net loans and leases to deposits | 22.7096% | 5,955 |
| Net loans and leases to core deposits | 23.0373% | 5,960 |
| Total domestic deposits to total assets | 84.9177% | 2,915 |
| Equity capital to assets | 14.5508% | 858 |
| Core capital (leverage) ratio | 13.7242% | 895 |
| Tier 1 risk-based capital ratio | 31.0979% | 451 |
| Total risk-based capital ratio | 31.7397% | 468 |
| Memoranda: | ||
| Average total assets | $68,433,330 | 5,058 |
| Average earning assets | $64,073,670 | 5,028 |
| Average equity | $9,651,000 | 4,714 |
| Average total loans | $13,319,330 | 5,835 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9120% | 5,771 |
| Cost of funding earning assets | 0.4017% | 3,044 |
| Net interest margin | 2.5103% | 5,798 |
| Noninterest income to average assets | 0.1525% | 5,576 |
| Noninterest expense to average assets | 1.4659% | 5,926 |
| Loan and lease loss provision to assets | 0.0586% | 2,785 |
| Net operating income to assets | 0.8665% | 2,908 |
| Return on assets (ROA) | 0.9030% | 2,864 |
| Pretax return on assets | 1.0144% | 3,424 |
| Return on Equity (ROE) | 6.5075% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.5075% | 2,130 |
| Net charge-offs to loans | 0.2115% | 950 |
| Credit loss provision to net charge-offs | 142.8571% | 1,304 |
| Earnings coverage of net charge-offs (x) | 25.1429% | 1,305 |
| Efficiency ratio | 58.6854% | 4,916 |
| Assets per employee ($millions) | 6.2728% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 2,030 |
| Loan loss allowance to noncurrent loans | 19,600.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 3,069 |
| Noncurrent loans to loans | 0.0076% | 5,493 |
| Net loans and leases to total assets | 18.7678% | 6,009 |
| Net loans and leases to deposits | 21.8872% | 6,016 |
| Net loans and leases to core deposits | 22.2081% | 6,017 |
| Total domestic deposits to total assets | 85.7480% | 2,786 |
| Equity capital to assets | 13.9375% | 1,009 |
| Core capital (leverage) ratio | 13.7361% | 892 |
| Tier 1 risk-based capital ratio | 30.5874% | 480 |
| Total risk-based capital ratio | 31.2281% | 503 |
| Memoranda: | ||
| Average total assets | $68,215,500 | 5,115 |
| Average earning assets | $63,736,500 | 5,083 |
| Average equity | $9,466,000 | 4,766 |
| Average total loans | $13,240,500 | 5,894 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9483% | 5,778 |
| Cost of funding earning assets | 0.4112% | 3,039 |
| Net interest margin | 2.5371% | 5,802 |
| Noninterest income to average assets | 0.1311% | 5,759 |
| Noninterest expense to average assets | 1.5596% | 5,945 |
| Loan and lease loss provision to assets | 0.0226% | 3,933 |
| Net operating income to assets | 0.7399% | 3,619 |
| Return on assets (ROA) | 0.7745% | 3,522 |
| Pretax return on assets | 0.9433% | 3,683 |
| Return on Equity (ROE) | 5.5699% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.2804% | 2,929 |
| Net charge-offs to loans | 0.2337% | 1,274 |
| Credit loss provision to net charge-offs | 48.3871% | 3,428 |
| Earnings coverage of net charge-offs (x) | 19.7742% | 1,922 |
| Efficiency ratio | 62.8034% | 4,476 |
| Assets per employee ($millions) | 5.6192% | 1,687 |
| Cash dividends to net income (ytd only)* | 23.1518% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 2,220 |
| Loan loss allowance to noncurrent loans | 19,300.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 2,281 |
| Noncurrent loans to loans | 0.0075% | 5,515 |
| Net loans and leases to total assets | 19.4898% | 6,058 |
| Net loans and leases to deposits | 22.6974% | 6,062 |
| Net loans and leases to core deposits | 23.0367% | 6,069 |
| Total domestic deposits to total assets | 85.8683% | 2,698 |
| Equity capital to assets | 13.8143% | 1,000 |
| Core capital (leverage) ratio | 13.7132% | 903 |
| Tier 1 risk-based capital ratio | 30.8027% | 471 |
| Total risk-based capital ratio | 31.4488% | 493 |
| Memoranda: | ||
| Average total assets | $66,362,600 | 5,170 |
| Average earning assets | $61,526,200 | 5,142 |
| Average equity | $9,228,200 | 4,797 |
| Average total loans | $13,264,400 | 5,946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9386% | 5,863 |
| Cost of funding earning assets | 0.4136% | 3,078 |
| Net interest margin | 2.5250% | 5,898 |
| Noninterest income to average assets | 0.1513% | 5,732 |
| Noninterest expense to average assets | 1.5714% | 5,994 |
| Loan and lease loss provision to assets | 0.0303% | 3,629 |
| Net operating income to assets | 0.7192% | 3,823 |
| Return on assets (ROA) | 0.7665% | 3,699 |
| Pretax return on assets | 0.9481% | 3,819 |
| Return on Equity (ROE) | 5.5032% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.5032% | 2,574 |
| Net charge-offs to loans | 0.3120% | 855 |
| Credit loss provision to net charge-offs | 48.3871% | 3,058 |
| Earnings coverage of net charge-offs (x) | 14.7104% | 2,234 |
| Efficiency ratio | 63.0769% | 4,390 |
| Assets per employee ($millions) | 5.5502% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,461 |
| Loan loss allowance to noncurrent loans | 393.8776% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 2,240 |
| Noncurrent loans to loans | 0.3628% | 4,310 |
| Net loans and leases to total assets | 19.9874% | 6,135 |
| Net loans and leases to deposits | 23.3696% | 6,144 |
| Net loans and leases to core deposits | 23.9394% | 6,151 |
| Total domestic deposits to total assets | 85.5275% | 2,767 |
| Equity capital to assets | 14.0716% | 998 |
| Core capital (leverage) ratio | 13.8503% | 901 |
| Tier 1 risk-based capital ratio | 30.8768% | 474 |
| Total risk-based capital ratio | 31.5254% | 499 |
| Memoranda: | ||
| Average total assets | $66,095,750 | 5,236 |
| Average earning assets | $61,251,500 | 5,216 |
| Average equity | $9,206,500 | 4,864 |
| Average total loans | $13,246,750 | 6,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 5,932 |
| Cost of funding earning assets | 0.4085% | 3,183 |
| Net interest margin | 2.5063% | 5,956 |
| Noninterest income to average assets | 0.1335% | 5,889 |
| Noninterest expense to average assets | 1.5654% | 6,073 |
| Loan and lease loss provision to assets | 0.0455% | 3,203 |
| Net operating income to assets | 0.6882% | 3,945 |
| Return on assets (ROA) | 0.7250% | 3,886 |
| Pretax return on assets | 0.8949% | 3,975 |
| Return on Equity (ROE) | 5.2233% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,719 |
| Net charge-offs to loans | 0.4559% | 562 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 9.8333% | 2,416 |
| Efficiency ratio | 63.6252% | 4,408 |
| Assets per employee ($millions) | 5.5215% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 2,352 |
| Loan loss allowance to noncurrent loans | 194.0000% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2753% | 1,976 |
| Noncurrent loans to loans | 0.7664% | 3,194 |
| Net loans and leases to total assets | 19.3999% | 6,214 |
| Net loans and leases to deposits | 22.5513% | 6,225 |
| Net loans and leases to core deposits | 23.1054% | 6,225 |
| Total domestic deposits to total assets | 86.0258% | 2,688 |
| Equity capital to assets | 13.7372% | 1,080 |
| Core capital (leverage) ratio | 13.6394% | 945 |
| Tier 1 risk-based capital ratio | 30.7460% | 504 |
| Total risk-based capital ratio | 31.4053% | 528 |
| Memoranda: | ||
| Average total assets | $65,927,000 | 5,308 |
| Average earning assets | $61,205,670 | 5,276 |
| Average equity | $9,151,330 | 4,910 |
| Average total loans | $13,160,670 | 6,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 5,973 |
| Cost of funding earning assets | 0.4058% | 3,241 |
| Net interest margin | 2.5198% | 5,995 |
| Noninterest income to average assets | 0.1703% | 5,702 |
| Noninterest expense to average assets | 1.6119% | 6,101 |
| Loan and lease loss provision to assets | 0.0912% | 2,171 |
| Net operating income to assets | 0.6305% | 4,143 |
| Return on assets (ROA) | 0.6448% | 4,187 |
| Pretax return on assets | 0.8272% | 4,141 |
| Return on Equity (ROE) | 4.6207% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.6207% | 3,259 |
| Net charge-offs to loans | 0.0605% | 2,145 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 628 |
| Efficiency ratio | 64.1646% | 4,452 |
| Assets per employee ($millions) | 5.1230% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 1,743 |
| Loan loss allowance to noncurrent loans | 63.2479% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2583% | 2,121 |
| Noncurrent loans to loans | 2.6855% | 879 |
| Net loans and leases to total assets | 19.2916% | 6,276 |
| Net loans and leases to deposits | 22.5479% | 6,284 |
| Net loans and leases to core deposits | 22.9003% | 6,284 |
| Total domestic deposits to total assets | 85.5583% | 3,149 |
| Equity capital to assets | 13.9627% | 996 |
| Core capital (leverage) ratio | 13.6435% | 922 |
| Tier 1 risk-based capital ratio | 29.0345% | 595 |
| Total risk-based capital ratio | 29.7576% | 607 |
| Memoranda: | ||
| Average total assets | $65,761,500 | 5,357 |
| Average earning assets | $61,116,000 | 5,324 |
| Average equity | $9,176,000 | 4,945 |
| Average total loans | $13,217,000 | 6,145 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9310% | 6,110 |
| Cost of funding earning assets | 0.4384% | 3,297 |
| Net interest margin | 2.4926% | 6,163 |
| Noninterest income to average assets | 0.1814% | 5,768 |
| Noninterest expense to average assets | 1.7102% | 6,144 |
| Loan and lease loss provision to assets | 0.0363% | 3,858 |
| Net operating income to assets | 0.6243% | 4,254 |
| Return on assets (ROA) | 0.6374% | 4,304 |
| Pretax return on assets | 0.7652% | 4,385 |
| Return on Equity (ROE) | 4.5145% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.3076% | 3,873 |
| Net charge-offs to loans | 0.1930% | 2,122 |
| Credit loss provision to net charge-offs | 92.0000% | 2,604 |
| Earnings coverage of net charge-offs (x) | 19.9200% | 1,745 |
| Efficiency ratio | 68.5209% | 3,800 |
| Assets per employee ($millions) | 4.9942% | 2,329 |
| Cash dividends to net income (ytd only)* | 26.7327% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 2,216 |
| Loan loss allowance to noncurrent loans | 191.7431% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9180% | 2,923 |
| Noncurrent loans to loans | 0.8156% | 3,278 |
| Net loans and leases to total assets | 20.2622% | 6,365 |
| Net loans and leases to deposits | 23.6592% | 6,373 |
| Net loans and leases to core deposits | 24.0379% | 6,371 |
| Total domestic deposits to total assets | 85.6417% | 3,014 |
| Equity capital to assets | 13.9440% | 971 |
| Core capital (leverage) ratio | 13.6502% | 920 |
| Tier 1 risk-based capital ratio | 31.2062% | 466 |
| Total risk-based capital ratio | 31.9467% | 473 |
| Memoranda: | ||
| Average total assets | $63,384,200 | 5,464 |
| Average earning assets | $58,854,600 | 5,435 |
| Average equity | $8,949,000 | 4,986 |
| Average total loans | $12,953,600 | 6,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9082% | 6,199 |
| Cost of funding earning assets | 0.4399% | 3,369 |
| Net interest margin | 2.4683% | 6,255 |
| Noninterest income to average assets | 0.1862% | 5,807 |
| Noninterest expense to average assets | 1.7270% | 6,186 |
| Loan and lease loss provision to assets | 0.0487% | 3,404 |
| Net operating income to assets | 0.5896% | 4,481 |
| Return on assets (ROA) | 0.6074% | 4,500 |
| Pretax return on assets | 0.7238% | 4,614 |
| Return on Equity (ROE) | 4.2885% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.2885% | 3,597 |
| Net charge-offs to loans | 0.2698% | 1,453 |
| Credit loss provision to net charge-offs | 88.4615% | 2,462 |
| Earnings coverage of net charge-offs (x) | 13.6521% | 2,207 |
| Efficiency ratio | 69.6840% | 3,568 |
| Assets per employee ($millions) | 5.0095% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 2,396 |
| Loan loss allowance to noncurrent loans | 945.4545% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 3,473 |
| Noncurrent loans to loans | 0.1666% | 5,412 |
| Net loans and leases to total assets | 19.9561% | 6,448 |
| Net loans and leases to deposits | 23.3058% | 6,457 |
| Net loans and leases to core deposits | 23.6769% | 6,457 |
| Total domestic deposits to total assets | 85.6272% | 3,057 |
| Equity capital to assets | 13.9521% | 1,027 |
| Core capital (leverage) ratio | 13.6363% | 952 |
| Tier 1 risk-based capital ratio | 31.1621% | 475 |
| Total risk-based capital ratio | 31.8988% | 487 |
| Memoranda: | ||
| Average total assets | $62,999,250 | 5,534 |
| Average earning assets | $58,500,500 | 5,501 |
| Average equity | $8,923,000 | 5,032 |
| Average total loans | $12,851,000 | 6,305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8727% | 6,280 |
| Cost of funding earning assets | 0.4430% | 3,409 |
| Net interest margin | 2.4297% | 6,333 |
| Noninterest income to average assets | 0.1509% | 6,051 |
| Noninterest expense to average assets | 1.7370% | 6,229 |
| Loan and lease loss provision to assets | 0.0417% | 3,487 |
| Net operating income to assets | 0.5430% | 4,634 |
| Return on assets (ROA) | 0.5458% | 4,719 |
| Pretax return on assets | 0.6293% | 4,850 |
| Return on Equity (ROE) | 3.8337% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.8337% | 3,739 |
| Net charge-offs to loans | 0.4241% | 962 |
| Credit loss provision to net charge-offs | 48.1481% | 2,818 |
| Earnings coverage of net charge-offs (x) | 7.7037% | 2,593 |
| Efficiency ratio | 72.2296% | 3,289 |
| Assets per employee ($millions) | 4.9337% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 2,765 |
| Loan loss allowance to noncurrent loans | 856.5217% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.7952% | 3,578 |
| Noncurrent loans to loans | 0.1784% | 5,476 |
| Net loans and leases to total assets | 19.7964% | 6,511 |
| Net loans and leases to deposits | 23.1507% | 6,521 |
| Net loans and leases to core deposits | 23.5252% | 6,523 |
| Total domestic deposits to total assets | 85.5109% | 3,280 |
| Equity capital to assets | 14.0759% | 943 |
| Core capital (leverage) ratio | 13.7540% | 900 |
| Tier 1 risk-based capital ratio | 31.9260% | 450 |
| Total risk-based capital ratio | 32.6505% | 460 |
| Memoranda: | ||
| Average total assets | $62,291,330 | 5,606 |
| Average earning assets | $57,784,670 | 5,565 |
| Average equity | $8,868,670 | 5,062 |
| Average total loans | $12,733,330 | 6,364 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8187% | 6,381 |
| Cost of funding earning assets | 0.4428% | 3,507 |
| Net interest margin | 2.3758% | 6,432 |
| Noninterest income to average assets | 0.1434% | 6,113 |
| Noninterest expense to average assets | 1.7990% | 6,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4896% | 4,741 |
| Return on assets (ROA) | 0.4954% | 4,792 |
| Pretax return on assets | 0.5540% | 4,997 |
| Return on Equity (ROE) | 3.4589% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.4589% | 4,059 |
| Net charge-offs to loans | 0.0632% | 2,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 850 |
| Efficiency ratio | 76.6667% | 2,699 |
| Assets per employee ($millions) | 4.4778% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 2,410 |
| Loan loss allowance to noncurrent loans | 444.6809% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 3,099 |
| Noncurrent loans to loans | 0.3782% | 4,992 |
| Net loans and leases to total assets | 19.4883% | 6,585 |
| Net loans and leases to deposits | 22.7827% | 6,592 |
| Net loans and leases to core deposits | 23.1598% | 6,593 |
| Total domestic deposits to total assets | 85.5397% | 3,590 |
| Equity capital to assets | 14.1221% | 882 |
| Core capital (leverage) ratio | 14.0921% | 791 |
| Tier 1 risk-based capital ratio | 32.4773% | 427 |
| Total risk-based capital ratio | 33.2678% | 441 |
| Memoranda: | ||
| Average total assets | $61,368,000 | 5,675 |
| Average earning assets | $56,906,000 | 5,642 |
| Average equity | $8,789,000 | 5,109 |
| Average total loans | $12,653,000 | 6,431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 6,383 |
| Cost of funding earning assets | 0.4634% | 3,987 |
| Net interest margin | 2.4948% | 6,377 |
| Noninterest income to average assets | 0.1562% | 6,153 |
| Noninterest expense to average assets | 1.7907% | 6,334 |
| Loan and lease loss provision to assets | 0.0652% | 3,822 |
| Net operating income to assets | 0.5425% | 4,544 |
| Return on assets (ROA) | 0.5425% | 4,667 |
| Pretax return on assets | 0.6112% | 4,844 |
| Return on Equity (ROE) | 3.5419% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.3314% | 4,588 |
| Net charge-offs to loans | 0.1802% | 3,021 |
| Credit loss provision to net charge-offs | 180.9524% | 1,268 |
| Earnings coverage of net charge-offs (x) | 18.7619% | 1,639 |
| Efficiency ratio | 72.5818% | 3,374 |
| Assets per employee ($millions) | 4.2891% | 3,293 |
| Cash dividends to net income (ytd only)* | 34.1772% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 2,618 |
| Loan loss allowance to noncurrent loans | 66.1442% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 4,642 |
| Noncurrent loans to loans | 2.4767% | 1,535 |
| Net loans and leases to total assets | 21.0985% | 6,653 |
| Net loans and leases to deposits | 24.7882% | 6,658 |
| Net loans and leases to core deposits | 25.0876% | 6,660 |
| Total domestic deposits to total assets | 85.1150% | 3,685 |
| Equity capital to assets | 14.5303% | 779 |
| Core capital (leverage) ratio | 14.3699% | 726 |
| Tier 1 risk-based capital ratio | 33.5673% | 378 |
| Total risk-based capital ratio | 34.3995% | 385 |
| Memoranda: | ||
| Average total assets | $58,243,800 | 5,802 |
| Average earning assets | $53,951,800 | 5,766 |
| Average equity | $8,921,800 | 5,102 |
| Average total loans | $11,650,800 | 6,533 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9620% | 6,457 |
| Cost of funding earning assets | 0.4641% | 4,126 |
| Net interest margin | 2.4978% | 6,429 |
| Noninterest income to average assets | 0.1592% | 6,232 |
| Noninterest expense to average assets | 1.8087% | 6,328 |
| Loan and lease loss provision to assets | 0.0392% | 4,224 |
| Net operating income to assets | 0.5652% | 4,504 |
| Return on assets (ROA) | 0.5652% | 4,657 |
| Pretax return on assets | 0.6206% | 4,950 |
| Return on Equity (ROE) | 3.6413% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.6413% | 4,103 |
| Net charge-offs to loans | 0.0705% | 3,922 |
| Credit loss provision to net charge-offs | 283.3333% | 892 |
| Earnings coverage of net charge-offs (x) | 47.6650% | 895 |
| Efficiency ratio | 73.2710% | 3,179 |
| Assets per employee ($millions) | 4.1552% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,427 |
| Loan loss allowance to noncurrent loans | 788.4615% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,338 |
| Noncurrent loans to loans | 0.2230% | 5,677 |
| Net loans and leases to total assets | 19.6861% | 6,753 |
| Net loans and leases to deposits | 23.3424% | 6,761 |
| Net loans and leases to core deposits | 23.6353% | 6,764 |
| Total domestic deposits to total assets | 84.3364% | 4,053 |
| Equity capital to assets | 15.2407% | 674 |
| Core capital (leverage) ratio | 14.7534% | 683 |
| Tier 1 risk-based capital ratio | 36.6537% | 294 |
| Total risk-based capital ratio | 37.5327% | 298 |
| Memoranda: | ||
| Average total assets | $57,793,000 | 5,877 |
| Average earning assets | $53,432,000 | 5,843 |
| Average equity | $8,971,000 | 5,142 |
| Average total loans | $11,343,500 | 6,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9671% | 6,477 |
| Cost of funding earning assets | 0.4631% | 4,277 |
| Net interest margin | 2.5039% | 6,446 |
| Noninterest income to average assets | 0.1561% | 6,272 |
| Noninterest expense to average assets | 1.7688% | 6,428 |
| Loan and lease loss provision to assets | 0.0277% | 4,376 |
| Net operating income to assets | 0.5896% | 4,346 |
| Return on assets (ROA) | 0.5896% | 4,526 |
| Pretax return on assets | 0.6659% | 4,797 |
| Return on Equity (ROE) | 3.7753% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.7753% | 3,895 |
| Net charge-offs to loans | -0.0178% | 5,937 |
| Credit loss provision to net charge-offs | -800.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8310% | 3,502 |
| Assets per employee ($millions) | 4.1774% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,394 |
| Loan loss allowance to noncurrent loans | 1,561.5385% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 6,472 |
| Noncurrent loans to loans | 0.1161% | 6,044 |
| Net loans and leases to total assets | 18.7952% | 6,814 |
| Net loans and leases to deposits | 22.1595% | 6,819 |
| Net loans and leases to core deposits | 22.4336% | 6,819 |
| Total domestic deposits to total assets | 84.8178% | 3,985 |
| Equity capital to assets | 14.8744% | 736 |
| Core capital (leverage) ratio | 14.5136% | 697 |
| Tier 1 risk-based capital ratio | 38.8161% | 253 |
| Total risk-based capital ratio | 39.7462% | 251 |
| Memoranda: | ||
| Average total assets | $57,666,330 | 5,926 |
| Average earning assets | $53,116,330 | 5,892 |
| Average equity | $9,006,000 | 5,167 |
| Average total loans | $11,239,000 | 6,661 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9627% | 6,552 |
| Cost of funding earning assets | 0.4610% | 4,474 |
| Net interest margin | 2.5017% | 6,508 |
| Noninterest income to average assets | 0.1467% | 6,371 |
| Noninterest expense to average assets | 1.8233% | 6,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5659% | 4,381 |
| Return on assets (ROA) | 0.5659% | 4,533 |
| Pretax return on assets | 0.6357% | 4,818 |
| Return on Equity (ROE) | 3.5373% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.5373% | 4,119 |
| Net charge-offs to loans | -0.0355% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1477% | 3,239 |
| Assets per employee ($millions) | 4.0949% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 2,899 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 6,595 |
| Noncurrent loans to loans | 0.0531% | 6,314 |
| Net loans and leases to total assets | 19.3692% | 6,867 |
| Net loans and leases to deposits | 23.3047% | 6,875 |
| Net loans and leases to core deposits | 23.6039% | 6,873 |
| Total domestic deposits to total assets | 83.1130% | 4,820 |
| Equity capital to assets | 15.9817% | 565 |
| Core capital (leverage) ratio | 14.7359% | 630 |
| Tier 1 risk-based capital ratio | 37.8938% | 273 |
| Total risk-based capital ratio | 38.7751% | 273 |
| Memoranda: | ||
| Average total assets | $57,258,000 | 5,985 |
| Average earning assets | $52,924,000 | 5,950 |
| Average equity | $9,159,500 | 5,193 |
| Average total loans | $11,261,000 | 6,728 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2376% | 6,640 |
| Cost of funding earning assets | 0.5270% | 5,010 |
| Net interest margin | 2.7107% | 6,506 |
| Noninterest income to average assets | 0.1435% | 6,316 |
| Noninterest expense to average assets | 1.8411% | 6,563 |
| Loan and lease loss provision to assets | 0.0123% | 5,759 |
| Net operating income to assets | 0.6402% | 4,035 |
| Return on assets (ROA) | 0.6388% | 4,307 |
| Pretax return on assets | 0.7910% | 4,330 |
| Return on Equity (ROE) | 4.0159% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.8277% | 4,246 |
| Net charge-offs to loans | -0.0255% | 6,590 |
| Credit loss provision to net charge-offs | -233.3333% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5767% | 3,886 |
| Assets per employee ($millions) | 3.8125% | 4,345 |
| Cash dividends to net income (ytd only)* | 29.5890% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 2,824 |
| Loan loss allowance to noncurrent loans | 1,940.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 6,632 |
| Noncurrent loans to loans | 0.0891% | 6,263 |
| Net loans and leases to total assets | 19.2855% | 6,934 |
| Net loans and leases to deposits | 23.2346% | 6,941 |
| Net loans and leases to core deposits | 23.5331% | 6,938 |
| Total domestic deposits to total assets | 83.0034% | 4,726 |
| Equity capital to assets | 16.0121% | 551 |
| Core capital (leverage) ratio | 14.4866% | 676 |
| Tier 1 risk-based capital ratio | 37.5294% | 282 |
| Total risk-based capital ratio | 38.4063% | 284 |
| Memoranda: | ||
| Average total assets | $57,139,600 | 5,994 |
| Average earning assets | $52,754,600 | 5,961 |
| Average equity | $9,088,800 | 5,201 |
| Average total loans | $11,747,200 | 6,785 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 6,737 |
| Cost of funding earning assets | 0.5407% | 5,158 |
| Net interest margin | 2.7462% | 6,581 |
| Noninterest income to average assets | 0.1447% | 6,418 |
| Noninterest expense to average assets | 1.8204% | 6,656 |
| Loan and lease loss provision to assets | 0.0163% | 5,602 |
| Net operating income to assets | 0.6675% | 4,053 |
| Return on assets (ROA) | 0.6675% | 4,321 |
| Pretax return on assets | 0.8449% | 4,322 |
| Return on Equity (ROE) | 4.2034% | 5,196 |
| Retained earnings to average equity (ytd only) | 4.2034% | 3,934 |
| Net charge-offs to loans | -0.0449% | 6,679 |
| Credit loss provision to net charge-offs | -175.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8851% | 4,091 |
| Assets per employee ($millions) | 3.8165% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 3,113 |
| Loan loss allowance to noncurrent loans | 267.1233% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 6,398 |
| Noncurrent loans to loans | 0.6403% | 5,160 |
| Net loans and leases to total assets | 19.5745% | 7,033 |
| Net loans and leases to deposits | 23.6958% | 7,043 |
| Net loans and leases to core deposits | 24.0003% | 7,051 |
| Total domestic deposits to total assets | 82.6073% | 4,786 |
| Equity capital to assets | 16.2137% | 570 |
| Core capital (leverage) ratio | 14.5578% | 695 |
| Tier 1 risk-based capital ratio | 38.6733% | 270 |
| Total risk-based capital ratio | 39.5785% | 272 |
| Memoranda: | ||
| Average total assets | $57,127,500 | 6,064 |
| Average earning assets | $52,775,250 | 6,034 |
| Average equity | $9,071,750 | 5,249 |
| Average total loans | $11,878,250 | 6,876 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 6,784 |
| Cost of funding earning assets | 0.5548% | 5,268 |
| Net interest margin | 2.7853% | 6,605 |
| Noninterest income to average assets | 0.1436% | 6,477 |
| Noninterest expense to average assets | 1.8043% | 6,744 |
| Loan and lease loss provision to assets | 0.0245% | 5,359 |
| Net operating income to assets | 0.6832% | 3,964 |
| Return on assets (ROA) | 0.6832% | 4,223 |
| Pretax return on assets | 0.8829% | 4,148 |
| Return on Equity (ROE) | 4.3325% | 5,120 |
| Retained earnings to average equity (ytd only) | 4.3325% | 3,733 |
| Net charge-offs to loans | -0.0332% | 6,558 |
| Credit loss provision to net charge-offs | -350.0000% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5375% | 4,417 |
| Assets per employee ($millions) | 3.8407% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,376 |
| Loan loss allowance to noncurrent loans | 2,144.4444% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,796 |
| Noncurrent loans to loans | 0.0776% | 6,469 |
| Net loans and leases to total assets | 19.7896% | 7,085 |
| Net loans and leases to deposits | 23.8171% | 7,091 |
| Net loans and leases to core deposits | 24.1184% | 7,100 |
| Total domestic deposits to total assets | 83.0900% | 4,721 |
| Equity capital to assets | 15.8650% | 608 |
| Core capital (leverage) ratio | 14.4894% | 697 |
| Tier 1 risk-based capital ratio | 39.0587% | 250 |
| Total risk-based capital ratio | 39.9735% | 250 |
| Memoranda: | ||
| Average total assets | $57,087,330 | 6,107 |
| Average earning assets | $52,634,000 | 6,075 |
| Average equity | $9,001,670 | 5,268 |
| Average total loans | $12,037,330 | 6,925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 6,818 |
| Cost of funding earning assets | 0.5691% | 5,371 |
| Net interest margin | 2.8229% | 6,598 |
| Noninterest income to average assets | 0.1408% | 6,535 |
| Noninterest expense to average assets | 1.8865% | 6,669 |
| Loan and lease loss provision to assets | 0.0493% | 4,792 |
| Net operating income to assets | 0.6406% | 4,169 |
| Return on assets (ROA) | 0.6406% | 4,377 |
| Pretax return on assets | 0.8236% | 4,327 |
| Return on Equity (ROE) | 4.0750% | 5,260 |
| Retained earnings to average equity (ytd only) | 4.0750% | 4,148 |
| Net charge-offs to loans | 0.1305% | 3,323 |
| Credit loss provision to net charge-offs | 175.0000% | 1,460 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 896 |
| Efficiency ratio | 68.3673% | 4,103 |
| Assets per employee ($millions) | 3.5564% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 4,067 |
| Loan loss allowance to noncurrent loans | 3,740.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,910 |
| Noncurrent loans to loans | 0.0406% | 6,651 |
| Net loans and leases to total assets | 21.2976% | 7,124 |
| Net loans and leases to deposits | 25.6069% | 7,126 |
| Net loans and leases to core deposits | 26.0736% | 7,129 |
| Total domestic deposits to total assets | 83.1714% | 4,856 |
| Equity capital to assets | 15.8164% | 603 |
| Core capital (leverage) ratio | 14.3972% | 712 |
| Tier 1 risk-based capital ratio | 39.1530% | 244 |
| Total risk-based capital ratio | 40.0529% | 247 |
| Memoranda: | ||
| Average total assets | $56,825,500 | 6,160 |
| Average earning assets | $52,711,000 | 6,111 |
| Average equity | $8,932,500 | 5,304 |
| Average total loans | $12,259,000 | 6,969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 6,957 |
| Cost of funding earning assets | 0.6952% | 5,569 |
| Net interest margin | 2.8691% | 6,739 |
| Noninterest income to average assets | 0.1182% | 6,555 |
| Noninterest expense to average assets | 1.8250% | 6,926 |
| Loan and lease loss provision to assets | 0.0215% | 6,303 |
| Net operating income to assets | 0.7073% | 3,456 |
| Return on assets (ROA) | 0.7271% | 3,524 |
| Pretax return on assets | 0.9815% | 3,314 |
| Return on Equity (ROE) | 4.7382% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.4778% | 3,743 |
| Net charge-offs to loans | -0.0327% | 7,011 |
| Credit loss provision to net charge-offs | -300.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1535% | 4,924 |
| Assets per employee ($millions) | 3.5468% | 4,897 |
| Cash dividends to net income (ytd only)* | 26.6010% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,988 |
| Loan loss allowance to noncurrent loans | 347.1698% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 6,721 |
| Noncurrent loans to loans | 0.4340% | 5,839 |
| Net loans and leases to total assets | 21.1955% | 7,193 |
| Net loans and leases to deposits | 25.4545% | 7,195 |
| Net loans and leases to core deposits | 25.7785% | 7,200 |
| Total domestic deposits to total assets | 83.2681% | 4,636 |
| Equity capital to assets | 15.6217% | 648 |
| Core capital (leverage) ratio | 14.1745% | 781 |
| Tier 1 risk-based capital ratio | 39.3938% | 242 |
| Total risk-based capital ratio | 40.2948% | 242 |
| Memoranda: | ||
| Average total assets | $55,835,200 | 6,169 |
| Average earning assets | $52,212,000 | 6,116 |
| Average equity | $8,568,600 | 5,385 |
| Average total loans | $12,243,400 | 7,024 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 7,037 |
| Cost of funding earning assets | 0.7279% | 5,609 |
| Net interest margin | 2.8605% | 6,812 |
| Noninterest income to average assets | 0.1103% | 6,703 |
| Noninterest expense to average assets | 1.8558% | 6,912 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6811% | 3,708 |
| Return on assets (ROA) | 0.7073% | 3,743 |
| Pretax return on assets | 0.9663% | 3,532 |
| Return on Equity (ROE) | 4.6303% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.6303% | 3,424 |
| Net charge-offs to loans | -0.0544% | 7,061 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6093% | 4,602 |
| Assets per employee ($millions) | 3.6011% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 21.0299% | 7,271 |
| Net loans and leases to deposits | 25.2522% | 7,278 |
| Net loans and leases to core deposits | 25.5676% | 7,284 |
| Total domestic deposits to total assets | 83.2795% | 4,568 |
| Equity capital to assets | 15.5108% | 720 |
| Core capital (leverage) ratio | 14.0745% | 885 |
| Tier 1 risk-based capital ratio | 40.1518% | 252 |
| Total risk-based capital ratio | 41.0155% | 251 |
| Memoranda: | ||
| Average total assets | $55,607,000 | 6,221 |
| Average earning assets | $52,018,000 | 6,174 |
| Average equity | $8,494,500 | 5,435 |
| Average total loans | $12,251,250 | 7,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 7,095 |
| Cost of funding earning assets | 0.7570% | 5,636 |
| Net interest margin | 2.8495% | 6,864 |
| Noninterest income to average assets | 0.0910% | 6,871 |
| Noninterest expense to average assets | 1.8676% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6611% | 3,736 |
| Return on assets (ROA) | 0.6881% | 3,726 |
| Pretax return on assets | 0.9320% | 3,499 |
| Return on Equity (ROE) | 4.5286% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.5286% | 3,307 |
| Net charge-offs to loans | 0.0490% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 416 |
| Efficiency ratio | 67.5889% | 4,589 |
| Assets per employee ($millions) | 3.6075% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 21.1452% | 7,355 |
| Net loans and leases to deposits | 25.0431% | 7,360 |
| Net loans and leases to core deposits | 25.2190% | 7,371 |
| Total domestic deposits to total assets | 84.4352% | 4,155 |
| Equity capital to assets | 14.7990% | 865 |
| Core capital (leverage) ratio | 13.9204% | 885 |
| Tier 1 risk-based capital ratio | 40.7622% | 235 |
| Total risk-based capital ratio | 41.6097% | 235 |
| Memoranda: | ||
| Average total assets | $54,936,670 | 6,300 |
| Average earning assets | $51,517,330 | 6,237 |
| Average equity | $8,347,000 | 5,502 |
| Average total loans | $12,238,330 | 7,161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 7,146 |
| Cost of funding earning assets | 0.7723% | 5,737 |
| Net interest margin | 2.8213% | 6,875 |
| Noninterest income to average assets | 0.1643% | 6,554 |
| Noninterest expense to average assets | 1.9049% | 6,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6873% | 3,571 |
| Return on assets (ROA) | 0.6873% | 3,639 |
| Pretax return on assets | 0.9338% | 3,389 |
| Return on Equity (ROE) | 4.4609% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.4609% | 3,501 |
| Net charge-offs to loans | -0.0329% | 6,743 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1053% | 4,826 |
| Assets per employee ($millions) | 3.6959% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 4,713 |
| Loan loss allowance to noncurrent loans | 2,414.2857% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 7,161 |
| Noncurrent loans to loans | 0.0576% | 6,900 |
| Net loans and leases to total assets | 21.6292% | 7,409 |
| Net loans and leases to deposits | 25.6415% | 7,412 |
| Net loans and leases to core deposits | 25.8282% | 7,419 |
| Total domestic deposits to total assets | 84.3522% | 4,343 |
| Equity capital to assets | 14.9299% | 781 |
| Core capital (leverage) ratio | 14.1634% | 814 |
| Tier 1 risk-based capital ratio | 38.6454% | 258 |
| Total risk-based capital ratio | 39.4785% | 264 |
| Memoranda: | ||
| Average total assets | $53,545,000 | 6,393 |
| Average earning assets | $50,756,500 | 6,313 |
| Average equity | $8,249,500 | 5,538 |
| Average total loans | $12,172,500 | 7,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 7,124 |
| Cost of funding earning assets | 0.9067% | 6,149 |
| Net interest margin | 3.1061% | 6,508 |
| Noninterest income to average assets | 0.1994% | 6,352 |
| Noninterest expense to average assets | 1.9905% | 7,037 |
| Loan and lease loss provision to assets | 0.0513% | 6,641 |
| Net operating income to assets | 0.7721% | 2,918 |
| Return on assets (ROA) | 0.7721% | 3,041 |
| Pretax return on assets | 1.0663% | 2,711 |
| Return on Equity (ROE) | 4.7277% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.4218% | 3,470 |
| Net charge-offs to loans | 0.1814% | 5,224 |
| Credit loss provision to net charge-offs | 113.0435% | 3,856 |
| Earnings coverage of net charge-offs (x) | 24.6087% | 859 |
| Efficiency ratio | 64.0407% | 5,351 |
| Assets per employee ($millions) | 3.4434% | 5,074 |
| Cash dividends to net income (ytd only)* | 27.6215% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,618 |
| Loan loss allowance to noncurrent loans | 275.4098% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,941 |
| Noncurrent loans to loans | 0.5006% | 6,038 |
| Net loans and leases to total assets | 23.2658% | 7,483 |
| Net loans and leases to deposits | 27.9641% | 7,487 |
| Net loans and leases to core deposits | 27.9641% | 7,494 |
| Total domestic deposits to total assets | 83.1988% | 4,710 |
| Equity capital to assets | 15.9184% | 594 |
| Core capital (leverage) ratio | 14.8590% | 683 |
| Tier 1 risk-based capital ratio | 42.0810% | 212 |
| Total risk-based capital ratio | 42.9928% | 212 |
| Memoranda: | ||
| Average total assets | $50,640,600 | 6,505 |
| Average earning assets | $47,422,400 | 6,458 |
| Average equity | $8,270,400 | 5,630 |
| Average total loans | $12,681,600 | 7,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 7,230 |
| Cost of funding earning assets | 0.9363% | 6,241 |
| Net interest margin | 3.1322% | 6,528 |
| Noninterest income to average assets | 0.1852% | 6,554 |
| Noninterest expense to average assets | 2.0533% | 6,951 |
| Loan and lease loss provision to assets | 0.0688% | 6,377 |
| Net operating income to assets | 0.6906% | 3,460 |
| Return on assets (ROA) | 0.6906% | 3,619 |
| Pretax return on assets | 0.9843% | 3,239 |
| Return on Equity (ROE) | 4.2015% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.2015% | 3,532 |
| Net charge-offs to loans | 0.2083% | 4,696 |
| Credit loss provision to net charge-offs | 130.0000% | 3,108 |
| Earnings coverage of net charge-offs (x) | 19.8969% | 1,187 |
| Efficiency ratio | 66.0988% | 4,834 |
| Assets per employee ($millions) | 3.2491% | 5,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,593 |
| Loan loss allowance to noncurrent loans | 294.8276% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 6,634 |
| Noncurrent loans to loans | 0.4668% | 6,258 |
| Net loans and leases to total assets | 23.5741% | 7,572 |
| Net loans and leases to deposits | 28.6942% | 7,585 |
| Net loans and leases to core deposits | 28.6942% | 7,595 |
| Total domestic deposits to total assets | 82.1564% | 4,932 |
| Equity capital to assets | 16.5278% | 586 |
| Core capital (leverage) ratio | 14.9969% | 717 |
| Tier 1 risk-based capital ratio | 41.5457% | 222 |
| Total risk-based capital ratio | 42.4648% | 221 |
| Memoranda: | ||
| Average total assets | $50,388,000 | 6,593 |
| Average earning assets | $46,993,750 | 6,559 |
| Average equity | $8,282,500 | 5,697 |
| Average total loans | $12,805,750 | 7,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 7,210 |
| Cost of funding earning assets | 0.9601% | 6,336 |
| Net interest margin | 3.2089% | 6,286 |
| Noninterest income to average assets | 0.1765% | 6,641 |
| Noninterest expense to average assets | 2.1061% | 6,885 |
| Loan and lease loss provision to assets | 0.0802% | 6,133 |
| Net operating income to assets | 0.7141% | 3,338 |
| Return on assets (ROA) | 0.7141% | 3,493 |
| Pretax return on assets | 0.9668% | 3,252 |
| Return on Equity (ROE) | 4.3524% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.3524% | 3,305 |
| Net charge-offs to loans | 0.0309% | 5,908 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 256 |
| Efficiency ratio | 66.7939% | 4,821 |
| Assets per employee ($millions) | 3.3965% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,263 |
| Loan loss allowance to noncurrent loans | 125.3425% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 6,701 |
| Noncurrent loans to loans | 1.1451% | 5,048 |
| Net loans and leases to total assets | 24.6668% | 7,629 |
| Net loans and leases to deposits | 29.8610% | 7,642 |
| Net loans and leases to core deposits | 29.8610% | 7,658 |
| Total domestic deposits to total assets | 82.6055% | 4,735 |
| Equity capital to assets | 16.3621% | 617 |
| Core capital (leverage) ratio | 15.2652% | 675 |
| Tier 1 risk-based capital ratio | 41.1227% | 230 |
| Total risk-based capital ratio | 42.1067% | 229 |
| Memoranda: | ||
| Average total assets | $49,855,670 | 6,655 |
| Average earning assets | $46,245,670 | 6,625 |
| Average equity | $8,179,330 | 5,737 |
| Average total loans | $12,932,330 | 7,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 7,263 |
| Cost of funding earning assets | 0.9867% | 6,435 |
| Net interest margin | 3.2155% | 6,246 |
| Noninterest income to average assets | 0.1785% | 6,682 |
| Noninterest expense to average assets | 2.1740% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7382% | 3,271 |
| Return on assets (ROA) | 0.7382% | 3,371 |
| Pretax return on assets | 0.9653% | 3,217 |
| Return on Equity (ROE) | 4.4933% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.4933% | 3,466 |
| Net charge-offs to loans | -0.2764% | 7,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2506% | 4,461 |
| Assets per employee ($millions) | 3.0776% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,649 |
| Loan loss allowance to noncurrent loans | 164.1509% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 6,920 |
| Noncurrent loans to loans | 0.8255% | 5,662 |
| Net loans and leases to total assets | 25.7219% | 7,706 |
| Net loans and leases to deposits | 31.1403% | 7,710 |
| Net loans and leases to core deposits | 31.3336% | 7,725 |
| Total domestic deposits to total assets | 82.6002% | 4,801 |
| Equity capital to assets | 16.4595% | 609 |
| Core capital (leverage) ratio | 15.4588% | 660 |
| Tier 1 risk-based capital ratio | 40.0657% | 253 |
| Total risk-based capital ratio | 40.9871% | 250 |
| Memoranda: | ||
| Average total assets | $49,310,000 | 6,753 |
| Average earning assets | $45,405,500 | 6,731 |
| Average equity | $8,101,000 | 5,809 |
| Average total loans | $13,023,500 | 7,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 7,393 |
| Cost of funding earning assets | 1.3708% | 6,052 |
| Net interest margin | 3.1184% | 6,315 |
| Noninterest income to average assets | 0.1944% | 6,709 |
| Noninterest expense to average assets | 2.1035% | 7,179 |
| Loan and lease loss provision to assets | 0.1241% | 6,397 |
| Net operating income to assets | 0.6805% | 3,014 |
| Return on assets (ROA) | 0.6805% | 3,068 |
| Pretax return on assets | 0.8935% | 2,945 |
| Return on Equity (ROE) | 4.0738% | 4,058 |
| Retained earnings to average equity (ytd only) | 2.7365% | 3,240 |
| Net charge-offs to loans | 0.3225% | 4,621 |
| Credit loss provision to net charge-offs | 136.3636% | 3,621 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,619 |
| Efficiency ratio | 67.3956% | 5,113 |
| Assets per employee ($millions) | 3.0861% | 6,018 |
| Cash dividends to net income (ytd only)* | 32.8267% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,059 |
| Loan loss allowance to noncurrent loans | 69.6203% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 6,250 |
| Noncurrent loans to loans | 1.7945% | 3,946 |
| Net loans and leases to total assets | 26.4126% | 7,782 |
| Net loans and leases to deposits | 31.9633% | 7,785 |
| Net loans and leases to core deposits | 34.7564% | 7,829 |
| Total domestic deposits to total assets | 82.6340% | 4,691 |
| Equity capital to assets | 16.3980% | 639 |
| Core capital (leverage) ratio | 15.2844% | 725 |
| Tier 1 risk-based capital ratio | 39.6525% | 260 |
| Total risk-based capital ratio | 40.5212% | 260 |
| Memoranda: | ||
| Average total assets | $48,347,600 | 6,776 |
| Average earning assets | $45,375,200 | 6,705 |
| Average equity | $8,076,000 | 5,901 |
| Average total loans | $13,644,400 | 7,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 7,491 |
| Cost of funding earning assets | 1.4339% | 6,108 |
| Net interest margin | 3.0826% | 6,356 |
| Noninterest income to average assets | 0.1968% | 6,807 |
| Noninterest expense to average assets | 2.1293% | 7,133 |
| Loan and lease loss provision to assets | 0.1664% | 5,692 |
| Net operating income to assets | 0.6294% | 3,497 |
| Return on assets (ROA) | 0.6294% | 3,562 |
| Pretax return on assets | 0.8040% | 3,529 |
| Return on Equity (ROE) | 3.7501% | 4,469 |
| Retained earnings to average equity (ytd only) | 3.7501% | 3,189 |
| Net charge-offs to loans | 0.3296% | 3,988 |
| Credit loss provision to net charge-offs | 176.4706% | 2,617 |
| Earnings coverage of net charge-offs (x) | 10.2947% | 1,978 |
| Efficiency ratio | 68.6941% | 4,845 |
| Assets per employee ($millions) | 3.0698% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,476 |
| Loan loss allowance to noncurrent loans | 102.3392% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,611 |
| Noncurrent loans to loans | 1.2748% | 4,808 |
| Net loans and leases to total assets | 26.9546% | 7,864 |
| Net loans and leases to deposits | 32.7925% | 7,876 |
| Net loans and leases to core deposits | 36.0206% | 7,900 |
| Total domestic deposits to total assets | 82.1972% | 4,586 |
| Equity capital to assets | 16.6972% | 670 |
| Core capital (leverage) ratio | 15.3977% | 788 |
| Tier 1 risk-based capital ratio | 40.1673% | 281 |
| Total risk-based capital ratio | 41.0997% | 280 |
| Memoranda: | ||
| Average total assets | $48,090,000 | 6,833 |
| Average earning assets | $45,284,750 | 6,765 |
| Average equity | $8,070,750 | 5,960 |
| Average total loans | $13,753,750 | 7,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 7,596 |
| Cost of funding earning assets | 1.4950% | 6,162 |
| Net interest margin | 3.0391% | 6,435 |
| Noninterest income to average assets | 0.1969% | 6,884 |
| Noninterest expense to average assets | 2.0901% | 7,295 |
| Loan and lease loss provision to assets | 0.0628% | 6,582 |
| Net operating income to assets | 0.6828% | 3,329 |
| Return on assets (ROA) | 0.6828% | 3,445 |
| Pretax return on assets | 0.8964% | 3,350 |
| Return on Equity (ROE) | 4.0611% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.0611% | 3,027 |
| Net charge-offs to loans | 0.0865% | 5,341 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 38.1667% | 839 |
| Efficiency ratio | 68.5440% | 5,056 |
| Assets per employee ($millions) | 3.0492% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,997 |
| Loan loss allowance to noncurrent loans | 632.0000% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 7,475 |
| Noncurrent loans to loans | 0.1887% | 7,043 |
| Net loans and leases to total assets | 26.8268% | 7,953 |
| Net loans and leases to deposits | 32.5006% | 7,963 |
| Net loans and leases to core deposits | 35.5498% | 7,988 |
| Total domestic deposits to total assets | 82.5425% | 4,452 |
| Equity capital to assets | 16.4859% | 753 |
| Core capital (leverage) ratio | 15.5768% | 814 |
| Tier 1 risk-based capital ratio | 39.6089% | 315 |
| Total risk-based capital ratio | 40.4462% | 316 |
| Memoranda: | ||
| Average total assets | $47,748,000 | 6,912 |
| Average earning assets | $44,816,000 | 6,846 |
| Average equity | $8,027,330 | 6,015 |
| Average total loans | $13,867,000 | 7,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 7,571 |
| Cost of funding earning assets | 1.5692% | 6,162 |
| Net interest margin | 3.0842% | 6,241 |
| Noninterest income to average assets | 0.1694% | 7,094 |
| Noninterest expense to average assets | 2.0581% | 7,218 |
| Loan and lease loss provision to assets | 0.1270% | 5,331 |
| Net operating income to assets | 0.7030% | 3,543 |
| Return on assets (ROA) | 0.7030% | 3,731 |
| Pretax return on assets | 0.8808% | 3,790 |
| Return on Equity (ROE) | 4.1399% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.1399% | 3,604 |
| Net charge-offs to loans | 0.1129% | 4,064 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,062 |
| Efficiency ratio | 67.1271% | 5,114 |
| Assets per employee ($millions) | 2.9591% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 5,187 |
| Loan loss allowance to noncurrent loans | 695.6522% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,455 |
| Noncurrent loans to loans | 0.1638% | 7,060 |
| Net loans and leases to total assets | 29.3182% | 7,929 |
| Net loans and leases to deposits | 35.7656% | 7,945 |
| Net loans and leases to core deposits | 38.9981% | 7,990 |
| Total domestic deposits to total assets | 81.9731% | 4,557 |
| Equity capital to assets | 16.9117% | 734 |
| Core capital (leverage) ratio | 15.8384% | 804 |
| Tier 1 risk-based capital ratio | 39.1797% | 337 |
| Total risk-based capital ratio | 40.0276% | 338 |
| Memoranda: | ||
| Average total assets | $47,228,500 | 6,972 |
| Average earning assets | $44,354,500 | 6,910 |
| Average equity | $8,019,500 | 6,058 |
| Average total loans | $14,177,500 | 7,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 7,809 |
| Cost of funding earning assets | 2.1124% | 5,990 |
| Net interest margin | 2.9343% | 7,068 |
| Noninterest income to average assets | 0.3592% | 5,852 |
| Noninterest expense to average assets | 2.0730% | 7,295 |
| Loan and lease loss provision to assets | 0.0541% | 6,740 |
| Net operating income to assets | 0.7941% | 3,460 |
| Return on assets (ROA) | 0.7941% | 3,302 |
| Pretax return on assets | 0.9824% | 3,438 |
| Return on Equity (ROE) | 4.8481% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.4214% | 3,012 |
| Net charge-offs to loans | 0.1657% | 4,548 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 19.1600% | 1,653 |
| Efficiency ratio | 66.6667% | 4,984 |
| Assets per employee ($millions) | 3.1407% | 5,650 |
| Cash dividends to net income (ytd only)* | 29.4278% | 4,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 5,710 |
| Loan loss allowance to noncurrent loans | 73.7624% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 5,933 |
| Noncurrent loans to loans | 1.4112% | 3,698 |
| Net loans and leases to total assets | 30.0673% | 7,985 |
| Net loans and leases to deposits | 36.8209% | 8,001 |
| Net loans and leases to core deposits | 39.9453% | 8,054 |
| Total domestic deposits to total assets | 81.6582% | 4,335 |
| Equity capital to assets | 17.0491% | 773 |
| Core capital (leverage) ratio | 15.7261% | 878 |
| Tier 1 risk-based capital ratio | 39.7732% | 346 |
| Total risk-based capital ratio | 40.5818% | 345 |
| Memoranda: | ||
| Average total assets | $46,213,200 | 6,928 |
| Average earning assets | $43,316,000 | 6,882 |
| Average equity | $7,570,000 | 6,248 |
| Average total loans | $15,089,400 | 7,642 |