Home > Farmers & Merchants Bank of Craig County > Performance and Condition Ratios
Farmers & Merchants Bank of Craig County, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 3,898 |
| Cost of funding earning assets | 1.2059% | 3,727 |
| Net interest margin | 3.2915% | 2,789 |
| Noninterest income to average assets | 0.1700% | 3,735 |
| Noninterest expense to average assets | 2.1917% | 3,118 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.9091% | 2,544 |
| Return on assets (ROA) | 0.9091% | 2,557 |
| Pretax return on assets | 1.0621% | 2,592 |
| Return on Equity (ROE) | 5.4100% | 3,467 |
| Retained earnings to average equity (ytd only) | -2.7568% | 3,971 |
| Net charge-offs to loans | -0.0075% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 66.4393% | 2,195 |
| Assets per employee ($millions) | 5.9593% | 2,967 |
| Cash dividends to net income (ytd only)* | 150.9901% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 1,998 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,405 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 59.7700% | 2,896 |
| Net loans and leases to deposits | 72.0128% | 2,738 |
| Net loans and leases to core deposits | 77.1364% | 2,881 |
| Total domestic deposits to total assets | 83.0000% | 3,119 |
| Equity capital to assets | 16.6620% | 425 |
| Core capital (leverage) ratio | 16.8324% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $88,881,000 | 3,868 |
| Average earning assets | $84,582,500 | 3,827 |
| Average equity | $14,945,000 | 3,378 |
| Average total loans | $53,608,500 | 3,778 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,925 |
| Cost of funding earning assets | 1.1890% | 3,822 |
| Net interest margin | 3.2612% | 2,587 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.1681% | 3,222 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.8677% | 2,492 |
| Return on assets (ROA) | 0.8677% | 2,502 |
| Pretax return on assets | 1.0989% | 2,249 |
| Return on Equity (ROE) | 5.2000% | 3,464 |
| Retained earnings to average equity (ytd only) | 3.3043% | 2,917 |
| Net charge-offs to loans | -0.0283% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 65.3846% | 2,555 |
| Assets per employee ($millions) | 5.8915% | 2,962 |
| Cash dividends to net income (ytd only)* | 36.4829% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 1,971 |
| Loan loss allowance to noncurrent loans | 1,935.2941% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,402 |
| Noncurrent loans to loans | 0.0640% | 3,328 |
| Net loans and leases to total assets | 59.3700% | 2,998 |
| Net loans and leases to deposits | 71.7178% | 2,810 |
| Net loans and leases to core deposits | 76.5973% | 3,009 |
| Total domestic deposits to total assets | 82.7800% | 3,081 |
| Equity capital to assets | 16.9690% | 395 |
| Core capital (leverage) ratio | 16.9500% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $87,818,600 | 3,885 |
| Average earning assets | $83,097,200 | 3,845 |
| Average equity | $14,647,400 | 3,358 |
| Average total loans | $49,427,800 | 3,823 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 3,954 |
| Cost of funding earning assets | 1.1571% | 3,873 |
| Net interest margin | 3.2472% | 2,575 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 2.1319% | 3,263 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.7558% | 2,825 |
| Return on assets (ROA) | 0.7558% | 2,836 |
| Pretax return on assets | 1.1192% | 2,196 |
| Return on Equity (ROE) | 4.5500% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.0054% | 3,464 |
| Net charge-offs to loans | -0.0495% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.1790% | 2,571 |
| Assets per employee ($millions) | 5.8093% | 3,024 |
| Cash dividends to net income (ytd only)* | 55.9356% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 1,932 |
| Loan loss allowance to noncurrent loans | 1,137.5000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,276 |
| Noncurrent loans to loans | 0.1100% | 3,130 |
| Net loans and leases to total assets | 57.7000% | 3,121 |
| Net loans and leases to deposits | 69.7333% | 3,009 |
| Net loans and leases to core deposits | 74.5065% | 3,156 |
| Total domestic deposits to total assets | 82.7400% | 2,916 |
| Equity capital to assets | 16.9061% | 423 |
| Core capital (leverage) ratio | 16.9224% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $87,680,000 | 3,906 |
| Average earning assets | $82,735,500 | 3,870 |
| Average equity | $14,560,250 | 3,364 |
| Average total loans | $48,504,500 | 3,847 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 3,975 |
| Cost of funding earning assets | 1.0814% | 3,935 |
| Net interest margin | 3.2612% | 2,503 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.1238% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7899% | 2,658 |
| Return on assets (ROA) | 0.7899% | 2,679 |
| Pretax return on assets | 1.1541% | 2,050 |
| Return on Equity (ROE) | 4.7900% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.9515% | 3,614 |
| Net charge-offs to loans | -0.1132% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.7917% | 2,671 |
| Assets per employee ($millions) | 5.9149% | 2,866 |
| Cash dividends to net income (ytd only)* | 80.1153% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 1,829 |
| Loan loss allowance to noncurrent loans | 844.0000% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 3,067 |
| Noncurrent loans to loans | 0.1516% | 2,891 |
| Net loans and leases to total assets | 55.0500% | 3,338 |
| Net loans and leases to deposits | 66.1072% | 3,248 |
| Net loans and leases to core deposits | 69.7542% | 3,385 |
| Total domestic deposits to total assets | 83.2800% | 2,801 |
| Equity capital to assets | 16.4352% | 438 |
| Core capital (leverage) ratio | 16.6120% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $87,860,000 | 3,919 |
| Average earning assets | $82,852,000 | 3,884 |
| Average equity | $14,503,000 | 3,353 |
| Average total loans | $47,701,333 | 3,873 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 4,003 |
| Cost of funding earning assets | 0.9910% | 3,994 |
| Net interest margin | 3.2727% | 2,397 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 2.0863% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8190% | 2,491 |
| Return on assets (ROA) | 0.8190% | 2,504 |
| Pretax return on assets | 1.1896% | 1,917 |
| Return on Equity (ROE) | 4.9500% | 3,465 |
| Retained earnings to average equity (ytd only) | -2.7379% | 3,992 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.6872% | 2,858 |
| Assets per employee ($millions) | 5.8317% | 2,968 |
| Cash dividends to net income (ytd only)* | 155.3073% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 1,789 |
| Loan loss allowance to noncurrent loans | 4,328.5714% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,669 |
| Noncurrent loans to loans | 0.0299% | 3,562 |
| Net loans and leases to total assets | 52.8900% | 3,428 |
| Net loans and leases to deposits | 63.5426% | 3,327 |
| Net loans and leases to core deposits | 67.8248% | 3,437 |
| Total domestic deposits to total assets | 83.2400% | 2,916 |
| Equity capital to assets | 16.4779% | 421 |
| Core capital (leverage) ratio | 16.7408% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $87,428,000 | 3,941 |
| Average earning assets | $82,745,500 | 3,905 |
| Average equity | $14,463,500 | 3,363 |
| Average total loans | $46,813,500 | 3,903 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,826 |
| Cost of funding earning assets | 0.4897% | 4,204 |
| Net interest margin | 3.5989% | 1,972 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.0201% | 3,582 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.1308% | 1,829 |
| Return on assets (ROA) | 1.1308% | 1,811 |
| Pretax return on assets | 1.4311% | 1,573 |
| Return on Equity (ROE) | 6.9100% | 3,304 |
| Retained earnings to average equity (ytd only) | 5.1327% | 2,564 |
| Net charge-offs to loans | 0.2081% | 519 |
| Credit loss provision to net charge-offs | 168.6047% | 1,358 |
| Earnings coverage of net charge-offs (x) | 16.2442% | 2,019 |
| Efficiency ratio | 55.5944% | 3,536 |
| Assets per employee ($millions) | 5.8254% | 2,963 |
| Cash dividends to net income (ytd only)* | 25.7406% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 1,785 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,497 |
| Noncurrent loans to loans | 0.0513% | 3,356 |
| Net loans and leases to total assets | 52.8100% | 3,426 |
| Net loans and leases to deposits | 63.5372% | 3,312 |
| Net loans and leases to core deposits | 67.8203% | 3,416 |
| Total domestic deposits to total assets | 83.1200% | 2,864 |
| Equity capital to assets | 16.6089% | 414 |
| Core capital (leverage) ratio | 17.0675% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,579,400 | 3,955 |
| Average earning assets | $81,885,400 | 3,910 |
| Average equity | $14,164,000 | 3,330 |
| Average total loans | $41,334,600 | 3,972 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,728 |
| Cost of funding earning assets | 0.4001% | 4,256 |
| Net interest margin | 3.6616% | 1,860 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.9865% | 3,626 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3876% | 1,348 |
| Return on assets (ROA) | 1.3876% | 1,334 |
| Pretax return on assets | 1.6624% | 1,234 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.1282% | 2,593 |
| Net charge-offs to loans | 0.1934% | 457 |
| Credit loss provision to net charge-offs | 27.5862% | 1,982 |
| Earnings coverage of net charge-offs (x) | 18.8448% | 1,850 |
| Efficiency ratio | 54.0756% | 3,582 |
| Assets per employee ($millions) | 6.0015% | 2,758 |
| Cash dividends to net income (ytd only)* | 28.0311% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,512 |
| Loan loss allowance to noncurrent loans | 1,174.4186% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,291 |
| Noncurrent loans to loans | 0.0997% | 3,077 |
| Net loans and leases to total assets | 50.7200% | 3,570 |
| Net loans and leases to deposits | 61.4393% | 3,434 |
| Net loans and leases to core deposits | 65.2220% | 3,470 |
| Total domestic deposits to total assets | 82.5600% | 3,102 |
| Equity capital to assets | 17.1778% | 387 |
| Core capital (leverage) ratio | 16.7990% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,379,000 | 3,973 |
| Average earning assets | $81,637,250 | 3,932 |
| Average equity | $14,076,750 | 3,327 |
| Average total loans | $39,979,500 | 4,003 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,811 |
| Cost of funding earning assets | 0.3124% | 4,297 |
| Net interest margin | 3.6228% | 1,984 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.9366% | 3,743 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4180% | 1,287 |
| Return on assets (ROA) | 1.4180% | 1,270 |
| Pretax return on assets | 1.6910% | 1,231 |
| Return on Equity (ROE) | 8.8600% | 3,022 |
| Retained earnings to average equity (ytd only) | 5.2443% | 2,880 |
| Net charge-offs to loans | 0.2928% | 289 |
| Credit loss provision to net charge-offs | 8.7719% | 1,800 |
| Earnings coverage of net charge-offs (x) | 13.0175% | 1,916 |
| Efficiency ratio | 53.2156% | 3,677 |
| Assets per employee ($millions) | 6.2876% | 2,474 |
| Cash dividends to net income (ytd only)* | 40.7767% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 2,329 |
| Loan loss allowance to noncurrent loans | 247.5000% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 2,050 |
| Noncurrent loans to loans | 0.4940% | 1,478 |
| Net loans and leases to total assets | 45.4300% | 3,824 |
| Net loans and leases to deposits | 54.2770% | 3,732 |
| Net loans and leases to core deposits | 57.3991% | 3,744 |
| Total domestic deposits to total assets | 83.7100% | 2,891 |
| Equity capital to assets | 16.0769% | 438 |
| Core capital (leverage) ratio | 16.3582% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,165,000 | 3,976 |
| Average earning assets | $82,587,333 | 3,928 |
| Average equity | $13,958,000 | 3,362 |
| Average total loans | $38,931,667 | 4,038 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 3,763 |
| Cost of funding earning assets | 0.2536% | 4,288 |
| Net interest margin | 3.5993% | 2,130 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.8770% | 3,903 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4112% | 1,378 |
| Return on assets (ROA) | 1.4112% | 1,349 |
| Pretax return on assets | 1.6833% | 1,305 |
| Return on Equity (ROE) | 8.8300% | 3,097 |
| Retained earnings to average equity (ytd only) | 1.5583% | 3,775 |
| Net charge-offs to loans | 0.5452% | 151 |
| Credit loss provision to net charge-offs | 9.6154% | 1,406 |
| Earnings coverage of net charge-offs (x) | 7.1154% | 1,766 |
| Efficiency ratio | 52.3810% | 3,748 |
| Assets per employee ($millions) | 6.2033% | 2,579 |
| Cash dividends to net income (ytd only)* | 82.3529% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,013 |
| Loan loss allowance to noncurrent loans | 684.9315% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 2,961 |
| Noncurrent loans to loans | 0.1904% | 2,522 |
| Net loans and leases to total assets | 43.5800% | 3,884 |
| Net loans and leases to deposits | 51.9614% | 3,796 |
| Net loans and leases to core deposits | 54.2061% | 3,822 |
| Total domestic deposits to total assets | 83.8600% | 3,116 |
| Equity capital to assets | 15.9363% | 413 |
| Core capital (leverage) ratio | 16.1084% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,734,000 | 4,031 |
| Average earning assets | $82,016,000 | 3,992 |
| Average equity | $13,861,000 | 3,402 |
| Average total loans | $38,153,000 | 4,101 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 3,664 |
| Cost of funding earning assets | 0.1544% | 4,102 |
| Net interest margin | 3.1158% | 3,127 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9385% | 3,747 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9890% | 2,607 |
| Return on assets (ROA) | 0.9890% | 2,556 |
| Pretax return on assets | 1.2524% | 2,272 |
| Return on Equity (ROE) | 6.1400% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.4222% | 3,260 |
| Net charge-offs to loans | 0.0109% | 1,964 |
| Credit loss provision to net charge-offs | 600.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 531 |
| Efficiency ratio | 60.2083% | 3,034 |
| Assets per employee ($millions) | 6.1873% | 2,607 |
| Cash dividends to net income (ytd only)* | 27.9661% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,612 |
| Loan loss allowance to noncurrent loans | 477.1739% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,778 |
| Noncurrent loans to loans | 0.2423% | 2,310 |
| Net loans and leases to total assets | 43.3200% | 3,917 |
| Net loans and leases to deposits | 51.7166% | 3,823 |
| Net loans and leases to core deposits | 53.9519% | 3,808 |
| Total domestic deposits to total assets | 83.7600% | 3,262 |
| Equity capital to assets | 16.0260% | 386 |
| Core capital (leverage) ratio | 16.2370% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $83,519,200 | 4,085 |
| Average earning assets | $79,015,400 | 4,046 |
| Average equity | $13,454,800 | 3,528 |
| Average total loans | $36,609,200 | 4,123 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1235% | 3,619 |
| Cost of funding earning assets | 0.1451% | 3,895 |
| Net interest margin | 2.9784% | 3,277 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.9707% | 3,557 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8717% | 3,000 |
| Return on assets (ROA) | 0.8717% | 2,968 |
| Pretax return on assets | 1.0812% | 2,772 |
| Return on Equity (ROE) | 5.4000% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.0965% | 3,753 |
| Net charge-offs to loans | 0.0147% | 1,579 |
| Credit loss provision to net charge-offs | 225.0000% | 929 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 689 |
| Efficiency ratio | 64.2669% | 2,506 |
| Assets per employee ($millions) | 6.1059% | 2,668 |
| Cash dividends to net income (ytd only)* | 42.6987% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,831 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,434 |
| Noncurrent loans to loans | 0.1077% | 3,113 |
| Net loans and leases to total assets | 42.9400% | 3,941 |
| Net loans and leases to deposits | 51.2052% | 3,779 |
| Net loans and leases to core deposits | 53.5852% | 3,771 |
| Total domestic deposits to total assets | 83.8600% | 3,531 |
| Equity capital to assets | 15.9061% | 377 |
| Core capital (leverage) ratio | 15.8925% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $82,743,500 | 4,122 |
| Average earning assets | $78,115,250 | 4,086 |
| Average equity | $13,348,000 | 3,578 |
| Average total loans | $36,271,000 | 4,153 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9712% | 3,626 |
| Cost of funding earning assets | 0.1504% | 3,575 |
| Net interest margin | 2.8209% | 3,375 |
| Noninterest income to average assets | 0.2444% | 3,705 |
| Noninterest expense to average assets | 2.0115% | 3,405 |
| Loan and lease loss provision to assets | 0.0220% | 2,205 |
| Net operating income to assets | 0.6746% | 3,396 |
| Return on assets (ROA) | 0.6746% | 3,348 |
| Pretax return on assets | 0.8701% | 3,146 |
| Return on Equity (ROE) | 4.1613% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.6785% | 4,063 |
| Net charge-offs to loans | 0.0389% | 994 |
| Credit loss provision to net charge-offs | 128.5714% | 1,160 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 1,144 |
| Efficiency ratio | 69.2761% | 2,067 |
| Assets per employee ($millions) | 6.1264% | 2,632 |
| Cash dividends to net income (ytd only)* | 83.6957% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,957 |
| Loan loss allowance to noncurrent loans | 825.4902% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,387 |
| Noncurrent loans to loans | 0.1386% | 3,013 |
| Net loans and leases to total assets | 42.3964% | 3,947 |
| Net loans and leases to deposits | 50.3190% | 3,798 |
| Net loans and leases to core deposits | 52.6390% | 3,778 |
| Total domestic deposits to total assets | 84.2554% | 3,636 |
| Equity capital to assets | 15.5441% | 366 |
| Core capital (leverage) ratio | 15.9921% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,830,333 | 4,180 |
| Average earning assets | $77,139,333 | 4,156 |
| Average equity | $13,265,000 | 3,660 |
| Average total loans | $35,984,000 | 4,211 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8988% | 3,540 |
| Cost of funding earning assets | 0.1534% | 3,455 |
| Net interest margin | 2.7454% | 3,296 |
| Noninterest income to average assets | 0.2254% | 3,808 |
| Noninterest expense to average assets | 2.0185% | 3,390 |
| Loan and lease loss provision to assets | 0.0301% | 1,828 |
| Net operating income to assets | 0.6010% | 3,390 |
| Return on assets (ROA) | 0.6010% | 3,371 |
| Pretax return on assets | 0.7763% | 3,184 |
| Return on Equity (ROE) | 3.6277% | 3,963 |
| Retained earnings to average equity (ytd only) | -3.3556% | 4,334 |
| Net charge-offs to loans | 0.0674% | 656 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 26.8333% | 1,180 |
| Efficiency ratio | 71.4539% | 2,050 |
| Assets per employee ($millions) | 5.5139% | 3,307 |
| Cash dividends to net income (ytd only)* | 192.5000% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,996 |
| Loan loss allowance to noncurrent loans | 821.5686% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,443 |
| Noncurrent loans to loans | 0.1426% | 3,095 |
| Net loans and leases to total assets | 42.7214% | 3,836 |
| Net loans and leases to deposits | 51.1783% | 3,634 |
| Net loans and leases to core deposits | 53.4012% | 3,639 |
| Total domestic deposits to total assets | 83.4756% | 3,870 |
| Equity capital to assets | 15.9307% | 321 |
| Core capital (leverage) ratio | 16.4238% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,861,000 | 4,225 |
| Average earning assets | $75,617,000 | 4,197 |
| Average equity | $13,231,500 | 3,736 |
| Average total loans | $35,584,000 | 4,241 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3871% | 2,964 |
| Cost of funding earning assets | 0.1902% | 3,557 |
| Net interest margin | 3.1969% | 2,604 |
| Noninterest income to average assets | 0.2324% | 3,990 |
| Noninterest expense to average assets | 2.1441% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8800% | 3,110 |
| Return on assets (ROA) | 0.8800% | 3,169 |
| Pretax return on assets | 1.1137% | 2,920 |
| Return on Equity (ROE) | 5.0409% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.3478% | 3,476 |
| Net charge-offs to loans | 0.0059% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 414.5000% | 316 |
| Efficiency ratio | 65.8144% | 2,284 |
| Assets per employee ($millions) | 5.9242% | 2,843 |
| Cash dividends to net income (ytd only)* | 33.5878% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,962 |
| Loan loss allowance to noncurrent loans | 761.8182% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,463 |
| Noncurrent loans to loans | 0.1553% | 3,156 |
| Net loans and leases to total assets | 45.4411% | 3,731 |
| Net loans and leases to deposits | 55.1387% | 3,503 |
| Net loans and leases to core deposits | 56.8939% | 3,558 |
| Total domestic deposits to total assets | 82.4123% | 3,903 |
| Equity capital to assets | 17.2527% | 288 |
| Core capital (leverage) ratio | 17.5050% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,435,600 | 4,284 |
| Average earning assets | $70,443,200 | 4,253 |
| Average equity | $12,993,600 | 3,832 |
| Average total loans | $33,901,800 | 4,303 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 3,148 |
| Cost of funding earning assets | 0.2004% | 3,602 |
| Net interest margin | 3.1820% | 2,784 |
| Noninterest income to average assets | 0.2132% | 4,123 |
| Noninterest expense to average assets | 2.0327% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9450% | 3,104 |
| Return on assets (ROA) | 0.9450% | 3,183 |
| Pretax return on assets | 1.1925% | 2,957 |
| Return on Equity (ROE) | 5.3971% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.1268% | 3,860 |
| Net charge-offs to loans | 0.0040% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 660.0000% | 242 |
| Efficiency ratio | 63.0252% | 2,534 |
| Assets per employee ($millions) | 5.8028% | 2,888 |
| Cash dividends to net income (ytd only)* | 42.0650% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,930 |
| Loan loss allowance to noncurrent loans | 807.6923% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,643 |
| Noncurrent loans to loans | 0.1502% | 3,367 |
| Net loans and leases to total assets | 45.3266% | 3,847 |
| Net loans and leases to deposits | 55.0922% | 3,645 |
| Net loans and leases to core deposits | 56.8897% | 3,706 |
| Total domestic deposits to total assets | 82.2740% | 3,870 |
| Equity capital to assets | 17.4384% | 303 |
| Core capital (leverage) ratio | 17.2235% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,791,000 | 4,348 |
| Average earning assets | $69,849,250 | 4,316 |
| Average equity | $12,920,250 | 3,888 |
| Average total loans | $33,523,500 | 4,367 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 3,663 |
| Cost of funding earning assets | 0.2108% | 3,645 |
| Net interest margin | 2.9976% | 3,336 |
| Noninterest income to average assets | 0.2075% | 4,163 |
| Noninterest expense to average assets | 2.0862% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7564% | 3,627 |
| Return on assets (ROA) | 0.7564% | 3,696 |
| Pretax return on assets | 0.9557% | 3,534 |
| Return on Equity (ROE) | 4.3140% | 4,271 |
| Retained earnings to average equity (ytd only) | 0.8877% | 4,367 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5817% | 1,809 |
| Assets per employee ($millions) | 5.4747% | 3,155 |
| Cash dividends to net income (ytd only)* | 79.4224% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.9305% | 4,046 |
| Net loans and leases to deposits | 52.9985% | 3,931 |
| Net loans and leases to core deposits | 54.6829% | 3,983 |
| Total domestic deposits to total assets | 82.8902% | 3,729 |
| Equity capital to assets | 16.8424% | 338 |
| Core capital (leverage) ratio | 17.2756% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,242,333 | 4,377 |
| Average earning assets | $69,256,333 | 4,350 |
| Average equity | $12,842,000 | 3,904 |
| Average total loans | $33,160,333 | 4,407 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2755% | 3,517 |
| Cost of funding earning assets | 0.2310% | 3,636 |
| Net interest margin | 3.0445% | 3,149 |
| Noninterest income to average assets | 0.1789% | 4,302 |
| Noninterest expense to average assets | 2.1191% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7380% | 3,608 |
| Return on assets (ROA) | 0.7380% | 3,678 |
| Pretax return on assets | 0.9337% | 3,530 |
| Return on Equity (ROE) | 4.1223% | 4,262 |
| Retained earnings to average equity (ytd only) | -2.7482% | 4,591 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4139% | 1,767 |
| Assets per employee ($millions) | 4.5336% | 4,073 |
| Cash dividends to net income (ytd only)* | 166.6667% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 44.7145% | 4,064 |
| Net loans and leases to deposits | 54.6320% | 3,899 |
| Net loans and leases to core deposits | 56.4912% | 3,941 |
| Total domestic deposits to total assets | 81.8468% | 3,920 |
| Equity capital to assets | 17.5977% | 274 |
| Core capital (leverage) ratio | 17.9918% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,540,500 | 4,420 |
| Average earning assets | $67,532,500 | 4,391 |
| Average equity | $12,808,500 | 3,915 |
| Average total loans | $32,694,000 | 4,438 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 2,383 |
| Cost of funding earning assets | 0.3175% | 4,040 |
| Net interest margin | 3.7964% | 1,510 |
| Noninterest income to average assets | 0.2401% | 4,063 |
| Noninterest expense to average assets | 2.4745% | 2,927 |
| Loan and lease loss provision to assets | 0.0077% | 4,258 |
| Net operating income to assets | 1.0311% | 2,175 |
| Return on assets (ROA) | 1.0311% | 2,321 |
| Pretax return on assets | 1.3096% | 1,942 |
| Return on Equity (ROE) | 5.3269% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.6573% | 3,004 |
| Net charge-offs to loans | 0.0030% | 3,267 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 856.0000% | 140 |
| Efficiency ratio | 65.2597% | 2,641 |
| Assets per employee ($millions) | 4.4089% | 4,006 |
| Cash dividends to net income (ytd only)* | 31.3433% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.5183% | 4,158 |
| Net loans and leases to deposits | 55.9934% | 3,998 |
| Net loans and leases to core deposits | 57.9634% | 4,055 |
| Total domestic deposits to total assets | 81.2923% | 3,809 |
| Equity capital to assets | 18.2187% | 257 |
| Core capital (leverage) ratio | 18.7131% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,982,200 | 4,445 |
| Average earning assets | $60,794,600 | 4,432 |
| Average equity | $12,577,600 | 3,909 |
| Average total loans | $33,025,400 | 4,458 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,337 |
| Cost of funding earning assets | 0.3433% | 4,093 |
| Net interest margin | 3.8774% | 1,413 |
| Noninterest income to average assets | 0.2285% | 4,127 |
| Noninterest expense to average assets | 2.3755% | 3,204 |
| Loan and lease loss provision to assets | 0.0110% | 4,164 |
| Net operating income to assets | 1.1573% | 1,797 |
| Return on assets (ROA) | 1.1573% | 1,910 |
| Pretax return on assets | 1.4656% | 1,527 |
| Return on Equity (ROE) | 5.8836% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.6453% | 3,229 |
| Net charge-offs to loans | 0.0040% | 3,018 |
| Credit loss provision to net charge-offs | 500.0000% | 1,276 |
| Earnings coverage of net charge-offs (x) | 704.0000% | 173 |
| Efficiency ratio | 61.6766% | 3,125 |
| Assets per employee ($millions) | 4.1844% | 4,157 |
| Cash dividends to net income (ytd only)* | 38.0435% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 49.7521% | 4,110 |
| Net loans and leases to deposits | 61.8322% | 3,942 |
| Net loans and leases to core deposits | 64.1471% | 4,006 |
| Total domestic deposits to total assets | 80.4630% | 3,772 |
| Equity capital to assets | 19.0202% | 238 |
| Core capital (leverage) ratio | 19.1627% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,592,000 | 4,477 |
| Average earning assets | $59,419,500 | 4,464 |
| Average equity | $12,509,000 | 3,917 |
| Average total loans | $33,149,000 | 4,484 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,354 |
| Cost of funding earning assets | 0.3775% | 4,136 |
| Net interest margin | 3.9671% | 1,407 |
| Noninterest income to average assets | 0.2241% | 4,151 |
| Noninterest expense to average assets | 2.4299% | 3,176 |
| Loan and lease loss provision to assets | 0.0160% | 4,032 |
| Net operating income to assets | 1.1685% | 1,731 |
| Return on assets (ROA) | 1.1685% | 1,863 |
| Pretax return on assets | 1.4790% | 1,504 |
| Return on Equity (ROE) | 5.8710% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.4932% | 3,579 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9086% | 3,142 |
| Assets per employee ($millions) | 4.1163% | 4,189 |
| Cash dividends to net income (ytd only)* | 57.5342% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,151 |
| Loan loss allowance to noncurrent loans | 10,550.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,558 |
| Noncurrent loans to loans | 0.0120% | 4,463 |
| Net loans and leases to total assets | 49.7844% | 4,172 |
| Net loans and leases to deposits | 61.8280% | 4,013 |
| Net loans and leases to core deposits | 64.1820% | 4,069 |
| Total domestic deposits to total assets | 80.5208% | 3,723 |
| Equity capital to assets | 19.0510% | 238 |
| Core capital (leverage) ratio | 19.6819% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,472,667 | 4,503 |
| Average earning assets | $58,279,667 | 4,487 |
| Average equity | $12,434,000 | 3,931 |
| Average total loans | $32,955,333 | 4,510 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 2,127 |
| Cost of funding earning assets | 0.4249% | 4,258 |
| Net interest margin | 4.1355% | 1,064 |
| Noninterest income to average assets | 0.2040% | 4,329 |
| Noninterest expense to average assets | 2.5074% | 3,254 |
| Loan and lease loss provision to assets | 0.0329% | 3,357 |
| Net operating income to assets | 1.1912% | 1,544 |
| Return on assets (ROA) | 1.1912% | 1,661 |
| Pretax return on assets | 1.5071% | 1,286 |
| Return on Equity (ROE) | 5.8493% | 3,369 |
| Retained earnings to average equity (ytd only) | -0.9372% | 4,131 |
| Net charge-offs to loans | 0.0366% | 1,688 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 680 |
| Efficiency ratio | 61.9512% | 3,502 |
| Assets per employee ($millions) | 3.7781% | 4,196 |
| Cash dividends to net income (ytd only)* | 116.0221% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,181 |
| Loan loss allowance to noncurrent loans | 3,491.6667% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,053 |
| Noncurrent loans to loans | 0.0370% | 4,412 |
| Net loans and leases to total assets | 52.9694% | 4,058 |
| Net loans and leases to deposits | 66.9077% | 3,802 |
| Net loans and leases to core deposits | 69.0458% | 3,935 |
| Total domestic deposits to total assets | 79.1679% | 4,014 |
| Equity capital to assets | 20.4516% | 223 |
| Core capital (leverage) ratio | 20.5711% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,779,000 | 4,546 |
| Average earning assets | $56,487,000 | 4,535 |
| Average equity | $12,377,500 | 3,958 |
| Average total loans | $32,828,000 | 4,538 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 2,467 |
| Cost of funding earning assets | 0.3906% | 4,473 |
| Net interest margin | 4.2606% | 1,182 |
| Noninterest income to average assets | 0.2070% | 4,419 |
| Noninterest expense to average assets | 2.6587% | 3,000 |
| Loan and lease loss provision to assets | 0.0163% | 3,694 |
| Net operating income to assets | 1.2242% | 1,967 |
| Return on assets (ROA) | 1.2242% | 2,057 |
| Pretax return on assets | 1.5502% | 1,652 |
| Return on Equity (ROE) | 6.2194% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.5714% | 2,667 |
| Net charge-offs to loans | 0.1565% | 1,284 |
| Credit loss provision to net charge-offs | 19.2308% | 3,317 |
| Earnings coverage of net charge-offs (x) | 18.4808% | 2,058 |
| Efficiency ratio | 62.9244% | 3,226 |
| Assets per employee ($millions) | 3.8193% | 4,133 |
| Cash dividends to net income (ytd only)* | 26.4980% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,140 |
| Loan loss allowance to noncurrent loans | 772.2222% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,197 |
| Noncurrent loans to loans | 0.1626% | 3,882 |
| Net loans and leases to total assets | 53.6755% | 4,096 |
| Net loans and leases to deposits | 67.5926% | 3,854 |
| Net loans and leases to core deposits | 70.3078% | 3,945 |
| Total domestic deposits to total assets | 79.4102% | 4,099 |
| Equity capital to assets | 20.2789% | 244 |
| Core capital (leverage) ratio | 20.4671% | 221 |
| Tier 1 risk-based capital ratio | 44.5483% | 183 |
| Total risk-based capital ratio | 45.7993% | 181 |
| Memoranda: | ||
| Average total assets | $61,346,600 | 4,578 |
| Average earning assets | $57,855,800 | 4,559 |
| Average equity | $12,075,200 | 3,990 |
| Average total loans | $33,237,400 | 4,573 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 2,626 |
| Cost of funding earning assets | 0.3766% | 4,575 |
| Net interest margin | 4.2551% | 1,262 |
| Noninterest income to average assets | 0.1846% | 4,616 |
| Noninterest expense to average assets | 2.5013% | 3,433 |
| Loan and lease loss provision to assets | 0.0217% | 3,481 |
| Net operating income to assets | 1.3310% | 1,723 |
| Return on assets (ROA) | 1.3310% | 1,791 |
| Pretax return on assets | 1.6849% | 1,383 |
| Return on Equity (ROE) | 6.8132% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.6015% | 3,103 |
| Net charge-offs to loans | 0.2086% | 843 |
| Credit loss provision to net charge-offs | 19.2308% | 2,970 |
| Earnings coverage of net charge-offs (x) | 15.1157% | 2,207 |
| Efficiency ratio | 59.4427% | 3,741 |
| Assets per employee ($millions) | 4.0651% | 3,812 |
| Cash dividends to net income (ytd only)* | 32.4638% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,042 |
| Loan loss allowance to noncurrent loans | 2,194.7368% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,575 |
| Noncurrent loans to loans | 0.0585% | 4,373 |
| Net loans and leases to total assets | 52.6223% | 4,276 |
| Net loans and leases to deposits | 66.0145% | 4,062 |
| Net loans and leases to core deposits | 68.0703% | 4,172 |
| Total domestic deposits to total assets | 79.7133% | 4,043 |
| Equity capital to assets | 20.0964% | 252 |
| Core capital (leverage) ratio | 19.9343% | 251 |
| Tier 1 risk-based capital ratio | 47.6680% | 155 |
| Total risk-based capital ratio | 48.9205% | 153 |
| Memoranda: | ||
| Average total assets | $61,406,250 | 4,635 |
| Average earning assets | $58,062,250 | 4,611 |
| Average equity | $11,996,000 | 4,037 |
| Average total loans | $33,242,500 | 4,631 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,857 |
| Cost of funding earning assets | 0.3524% | 4,670 |
| Net interest margin | 4.1951% | 1,377 |
| Noninterest income to average assets | 0.1950% | 4,586 |
| Noninterest expense to average assets | 2.5150% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3160% | 1,716 |
| Return on assets (ROA) | 1.3160% | 1,773 |
| Pretax return on assets | 1.6637% | 1,353 |
| Return on Equity (ROE) | 6.8010% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.4593% | 3,507 |
| Net charge-offs to loans | 0.2926% | 584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.4490% | 2,269 |
| Efficiency ratio | 60.1866% | 3,698 |
| Assets per employee ($millions) | 4.1700% | 3,622 |
| Cash dividends to net income (ytd only)* | 49.1358% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 52.7514% | 4,309 |
| Net loans and leases to deposits | 65.5164% | 4,128 |
| Net loans and leases to core deposits | 67.4875% | 4,236 |
| Total domestic deposits to total assets | 80.5164% | 3,933 |
| Equity capital to assets | 19.2582% | 281 |
| Core capital (leverage) ratio | 19.8363% | 244 |
| Tier 1 risk-based capital ratio | 44.5801% | 180 |
| Total risk-based capital ratio | 45.8310% | 176 |
| Memoranda: | ||
| Average total assets | $61,549,670 | 4,666 |
| Average earning assets | $58,449,000 | 4,633 |
| Average equity | $11,910,000 | 4,057 |
| Average total loans | $33,488,670 | 4,662 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 2,790 |
| Cost of funding earning assets | 0.3241% | 4,759 |
| Net interest margin | 4.1996% | 1,302 |
| Noninterest income to average assets | 0.2097% | 4,493 |
| Noninterest expense to average assets | 2.5160% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3301% | 1,597 |
| Return on assets (ROA) | 1.3301% | 1,636 |
| Pretax return on assets | 1.6839% | 1,253 |
| Return on Equity (ROE) | 6.8569% | 3,731 |
| Retained earnings to average equity (ytd only) | 0.1351% | 4,498 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9064% | 3,815 |
| Assets per employee ($millions) | 4.0428% | 3,858 |
| Cash dividends to net income (ytd only)* | 98.0296% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 1,762 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,924 |
| Noncurrent loans to loans | 0.3241% | 3,403 |
| Net loans and leases to total assets | 54.1902% | 4,199 |
| Net loans and leases to deposits | 67.6228% | 3,952 |
| Net loans and leases to core deposits | 69.7248% | 4,093 |
| Total domestic deposits to total assets | 80.1359% | 4,155 |
| Equity capital to assets | 19.5310% | 261 |
| Core capital (leverage) ratio | 19.7114% | 247 |
| Tier 1 risk-based capital ratio | 44.7737% | 174 |
| Total risk-based capital ratio | 46.0288% | 172 |
| Memoranda: | ||
| Average total assets | $61,049,500 | 4,728 |
| Average earning assets | $58,006,000 | 4,692 |
| Average equity | $11,842,000 | 4,077 |
| Average total loans | $33,529,500 | 4,715 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 2,702 |
| Cost of funding earning assets | 0.3241% | 4,442 |
| Net interest margin | 4.0949% | 1,695 |
| Noninterest income to average assets | 0.1690% | 4,880 |
| Noninterest expense to average assets | 2.4792% | 3,671 |
| Loan and lease loss provision to assets | 0.0049% | 4,015 |
| Net operating income to assets | 1.2486% | 1,980 |
| Return on assets (ROA) | 1.2486% | 1,977 |
| Pretax return on assets | 1.5817% | 1,522 |
| Return on Equity (ROE) | 6.6179% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.9743% | 2,775 |
| Net charge-offs to loans | 0.0950% | 1,812 |
| Credit loss provision to net charge-offs | 9.6774% | 3,432 |
| Earnings coverage of net charge-offs (x) | 31.1935% | 1,556 |
| Efficiency ratio | 60.9766% | 3,694 |
| Assets per employee ($millions) | 4.0971% | 3,750 |
| Cash dividends to net income (ytd only)* | 24.8357% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,790 |
| Loan loss allowance to noncurrent loans | 342.5373% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 3,733 |
| Noncurrent loans to loans | 0.3972% | 3,106 |
| Net loans and leases to total assets | 54.1501% | 4,270 |
| Net loans and leases to deposits | 67.2330% | 4,027 |
| Net loans and leases to core deposits | 69.3515% | 4,144 |
| Total domestic deposits to total assets | 80.5409% | 3,988 |
| Equity capital to assets | 19.2655% | 260 |
| Core capital (leverage) ratio | 19.5441% | 246 |
| Tier 1 risk-based capital ratio | 44.2435% | 183 |
| Total risk-based capital ratio | 45.4990% | 180 |
| Memoranda: | ||
| Average total assets | $60,947,000 | 4,744 |
| Average earning assets | $57,999,600 | 4,707 |
| Average equity | $11,499,200 | 4,087 |
| Average total loans | $32,636,600 | 4,750 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,763 |
| Cost of funding earning assets | 0.3341% | 4,285 |
| Net interest margin | 4.0257% | 1,870 |
| Noninterest income to average assets | 0.1688% | 4,945 |
| Noninterest expense to average assets | 2.3391% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3109% | 1,810 |
| Return on assets (ROA) | 1.3109% | 1,817 |
| Pretax return on assets | 1.6595% | 1,383 |
| Return on Equity (ROE) | 6.9854% | 3,941 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,358 |
| Net charge-offs to loans | 0.1236% | 1,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 25.2328% | 1,783 |
| Efficiency ratio | 58.4978% | 4,042 |
| Assets per employee ($millions) | 4.0113% | 3,867 |
| Cash dividends to net income (ytd only)* | 31.6050% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,746 |
| Loan loss allowance to noncurrent loans | 914.0000% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,554 |
| Noncurrent loans to loans | 0.1519% | 4,206 |
| Net loans and leases to total assets | 53.9322% | 4,363 |
| Net loans and leases to deposits | 67.1266% | 4,115 |
| Net loans and leases to core deposits | 68.7201% | 4,265 |
| Total domestic deposits to total assets | 80.3440% | 4,031 |
| Equity capital to assets | 19.4067% | 254 |
| Core capital (leverage) ratio | 19.0860% | 268 |
| Tier 1 risk-based capital ratio | 45.4960% | 172 |
| Total risk-based capital ratio | 46.7506% | 171 |
| Memoranda: | ||
| Average total assets | $60,819,500 | 4,796 |
| Average earning assets | $57,860,750 | 4,763 |
| Average equity | $11,414,000 | 4,133 |
| Average total loans | $32,361,250 | 4,808 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 2,876 |
| Cost of funding earning assets | 0.3380% | 4,149 |
| Net interest margin | 3.9316% | 2,099 |
| Noninterest income to average assets | 0.1606% | 5,022 |
| Noninterest expense to average assets | 2.3593% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2157% | 2,126 |
| Return on assets (ROA) | 1.2157% | 2,121 |
| Pretax return on assets | 1.5368% | 1,688 |
| Return on Equity (ROE) | 6.5511% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.2138% | 3,962 |
| Net charge-offs to loans | 0.0186% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 156.3333% | 502 |
| Efficiency ratio | 60.5551% | 3,845 |
| Assets per employee ($millions) | 3.8997% | 4,056 |
| Cash dividends to net income (ytd only)* | 50.9434% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,450 |
| Loan loss allowance to noncurrent loans | 768.2540% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,493 |
| Noncurrent loans to loans | 0.1931% | 4,037 |
| Net loans and leases to total assets | 51.5202% | 4,505 |
| Net loans and leases to deposits | 63.2285% | 4,335 |
| Net loans and leases to core deposits | 64.9913% | 4,431 |
| Total domestic deposits to total assets | 81.4825% | 3,873 |
| Equity capital to assets | 18.3508% | 300 |
| Core capital (leverage) ratio | 18.8810% | 275 |
| Tier 1 risk-based capital ratio | 45.1463% | 172 |
| Total risk-based capital ratio | 46.4041% | 171 |
| Memoranda: | ||
| Average total assets | $61,036,000 | 4,854 |
| Average earning assets | $57,991,670 | 4,817 |
| Average equity | $11,326,330 | 4,183 |
| Average total loans | $32,179,000 | 4,867 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,755 |
| Cost of funding earning assets | 0.3502% | 3,990 |
| Net interest margin | 3.8870% | 2,095 |
| Noninterest income to average assets | 0.1856% | 4,916 |
| Noninterest expense to average assets | 2.3394% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2062% | 1,974 |
| Return on assets (ROA) | 1.2062% | 1,984 |
| Pretax return on assets | 1.5243% | 1,617 |
| Return on Equity (ROE) | 6.4628% | 4,000 |
| Retained earnings to average equity (ytd only) | -0.2486% | 4,828 |
| Net charge-offs to loans | 0.0376% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 727 |
| Efficiency ratio | 60.5489% | 3,994 |
| Assets per employee ($millions) | 4.0041% | 3,971 |
| Cash dividends to net income (ytd only)* | 103.8462% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 4,418 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.1037% | 4,429 |
| Net loans and leases to deposits | 64.3433% | 4,196 |
| Net loans and leases to core deposits | 66.2167% | 4,294 |
| Total domestic deposits to total assets | 80.9777% | 4,214 |
| Equity capital to assets | 18.7493% | 263 |
| Core capital (leverage) ratio | 18.7762% | 266 |
| Tier 1 risk-based capital ratio | 44.9129% | 174 |
| Total risk-based capital ratio | 46.1692% | 169 |
| Memoranda: | ||
| Average total assets | $60,356,500 | 4,921 |
| Average earning assets | $57,114,000 | 4,892 |
| Average equity | $11,264,500 | 4,236 |
| Average total loans | $31,953,500 | 4,921 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 2,130 |
| Cost of funding earning assets | 0.3634% | 3,582 |
| Net interest margin | 4.0014% | 1,751 |
| Noninterest income to average assets | 0.1646% | 5,137 |
| Noninterest expense to average assets | 2.5084% | 3,756 |
| Loan and lease loss provision to assets | -0.2003% | 5,575 |
| Net operating income to assets | 1.0556% | 2,035 |
| Return on assets (ROA) | 1.0556% | 2,058 |
| Pretax return on assets | 1.6683% | 1,101 |
| Return on Equity (ROE) | 5.6432% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.0192% | 2,783 |
| Net charge-offs to loans | -0.5017% | 5,605 |
| Credit loss provision to net charge-offs | 72.3926% | 3,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0815% | 3,763 |
| Assets per employee ($millions) | 4.0435% | 3,892 |
| Cash dividends to net income (ytd only)* | 28.7781% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 1,357 |
| Loan loss allowance to noncurrent loans | 48,700.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 4,465 |
| Noncurrent loans to loans | 0.0031% | 5,049 |
| Net loans and leases to total assets | 52.1698% | 4,509 |
| Net loans and leases to deposits | 64.2425% | 4,305 |
| Net loans and leases to core deposits | 66.6498% | 4,382 |
| Total domestic deposits to total assets | 81.2075% | 4,068 |
| Equity capital to assets | 18.5781% | 273 |
| Core capital (leverage) ratio | 19.0135% | 232 |
| Tier 1 risk-based capital ratio | 44.0552% | 167 |
| Total risk-based capital ratio | 45.3102% | 163 |
| Memoranda: | ||
| Average total assets | $58,923,000 | 4,982 |
| Average earning assets | $56,130,800 | 4,947 |
| Average equity | $11,022,200 | 4,292 |
| Average total loans | $32,487,400 | 4,951 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,929 |
| Cost of funding earning assets | 0.3702% | 3,460 |
| Net interest margin | 4.0409% | 1,568 |
| Noninterest income to average assets | 0.1732% | 5,150 |
| Noninterest expense to average assets | 2.3798% | 4,069 |
| Loan and lease loss provision to assets | -0.2394% | 5,673 |
| Net operating income to assets | 1.2469% | 1,519 |
| Return on assets (ROA) | 1.2469% | 1,544 |
| Pretax return on assets | 1.8897% | 705 |
| Return on Equity (ROE) | 6.6539% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.4764% | 3,237 |
| Net charge-offs to loans | -0.7326% | 5,681 |
| Credit loss provision to net charge-offs | 58.6592% | 2,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0498% | 4,345 |
| Assets per employee ($millions) | 3.9163% | 4,124 |
| Cash dividends to net income (ytd only)* | 32.7236% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.7536% | 4,434 |
| Net loans and leases to deposits | 66.7082% | 4,201 |
| Net loans and leases to core deposits | 68.7039% | 4,315 |
| Total domestic deposits to total assets | 80.5801% | 4,180 |
| Equity capital to assets | 19.0539% | 272 |
| Core capital (leverage) ratio | 19.0309% | 249 |
| Tier 1 risk-based capital ratio | 44.7326% | 169 |
| Total risk-based capital ratio | 45.9915% | 166 |
| Memoranda: | ||
| Average total assets | $58,490,750 | 5,053 |
| Average earning assets | $55,828,000 | 5,010 |
| Average equity | $10,960,750 | 4,347 |
| Average total loans | $32,577,000 | 4,987 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,739 |
| Cost of funding earning assets | 0.3759% | 3,328 |
| Net interest margin | 4.0490% | 1,464 |
| Noninterest income to average assets | 0.1849% | 5,125 |
| Noninterest expense to average assets | 2.3730% | 4,139 |
| Loan and lease loss provision to assets | -0.1541% | 5,688 |
| Net operating income to assets | 1.2122% | 1,558 |
| Return on assets (ROA) | 1.2122% | 1,595 |
| Pretax return on assets | 1.8388% | 768 |
| Return on Equity (ROE) | 6.5054% | 3,819 |
| Retained earnings to average equity (ytd only) | 3.2159% | 3,800 |
| Net charge-offs to loans | -1.0080% | 5,731 |
| Credit loss provision to net charge-offs | 27.2727% | 2,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4810% | 4,532 |
| Assets per employee ($millions) | 3.9775% | 3,990 |
| Cash dividends to net income (ytd only)* | 50.5650% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 1,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.5441% | 4,434 |
| Net loans and leases to deposits | 65.8748% | 4,230 |
| Net loans and leases to core deposits | 67.7914% | 4,362 |
| Total domestic deposits to total assets | 81.2815% | 4,108 |
| Equity capital to assets | 18.4369% | 292 |
| Core capital (leverage) ratio | 18.8760% | 249 |
| Tier 1 risk-based capital ratio | 43.5920% | 172 |
| Total risk-based capital ratio | 44.8522% | 169 |
| Memoranda: | ||
| Average total assets | $58,406,330 | 5,095 |
| Average earning assets | $55,866,000 | 5,050 |
| Average equity | $10,883,330 | 4,376 |
| Average total loans | $32,738,330 | 5,015 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 1,170 |
| Cost of funding earning assets | 0.3834% | 3,165 |
| Net interest margin | 4.2034% | 982 |
| Noninterest income to average assets | 0.2077% | 5,028 |
| Noninterest expense to average assets | 2.3538% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2392% | 1,406 |
| Return on assets (ROA) | 1.2392% | 1,442 |
| Pretax return on assets | 1.8761% | 678 |
| Return on Equity (ROE) | 6.6143% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | -2.0333% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6465% | 4,974 |
| Assets per employee ($millions) | 3.8948% | 4,191 |
| Cash dividends to net income (ytd only)* | 100.0000% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 54.9348% | 4,259 |
| Net loans and leases to deposits | 67.6603% | 4,023 |
| Net loans and leases to core deposits | 69.6681% | 4,171 |
| Total domestic deposits to total assets | 81.1920% | 4,375 |
| Equity capital to assets | 18.5290% | 275 |
| Core capital (leverage) ratio | 19.0183% | 230 |
| Tier 1 risk-based capital ratio | 42.6685% | 195 |
| Total risk-based capital ratio | 43.9298% | 191 |
| Memoranda: | ||
| Average total assets | $57,778,000 | 5,157 |
| Average earning assets | $55,288,500 | 5,117 |
| Average equity | $10,825,000 | 4,417 |
| Average total loans | $32,853,500 | 5,066 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 1,903 |
| Cost of funding earning assets | 0.3908% | 3,096 |
| Net interest margin | 3.9827% | 1,683 |
| Noninterest income to average assets | 0.1707% | 5,368 |
| Noninterest expense to average assets | 2.4363% | 4,195 |
| Loan and lease loss provision to assets | 0.2922% | 654 |
| Net operating income to assets | 0.8344% | 3,128 |
| Return on assets (ROA) | 0.8344% | 3,243 |
| Pretax return on assets | 1.2639% | 2,421 |
| Return on Equity (ROE) | 4.4425% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.8211% | 3,895 |
| Net charge-offs to loans | 0.5009% | 489 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.3253% | 3,360 |
| Efficiency ratio | 61.0229% | 4,414 |
| Assets per employee ($millions) | 3.8089% | 4,293 |
| Cash dividends to net income (ytd only)* | 36.4979% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.9923% | 4,166 |
| Net loans and leases to deposits | 70.3982% | 3,864 |
| Net loans and leases to core deposits | 73.1878% | 3,991 |
| Total domestic deposits to total assets | 80.9570% | 4,346 |
| Equity capital to assets | 18.9467% | 249 |
| Core capital (leverage) ratio | 19.0169% | 231 |
| Tier 1 risk-based capital ratio | 41.9574% | 203 |
| Total risk-based capital ratio | 43.2093% | 200 |
| Memoranda: | ||
| Average total assets | $56,808,400 | 5,217 |
| Average earning assets | $54,510,400 | 5,159 |
| Average equity | $10,669,600 | 4,467 |
| Average total loans | $33,143,400 | 5,093 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 1,807 |
| Cost of funding earning assets | 0.3918% | 3,106 |
| Net interest margin | 4.0254% | 1,587 |
| Noninterest income to average assets | 0.1716% | 5,412 |
| Noninterest expense to average assets | 2.3175% | 4,493 |
| Loan and lease loss provision to assets | 0.0188% | 3,872 |
| Net operating income to assets | 1.1211% | 1,912 |
| Return on assets (ROA) | 1.1211% | 2,021 |
| Pretax return on assets | 1.6993% | 1,117 |
| Return on Equity (ROE) | 5.9825% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.8127% | 3,599 |
| Net charge-offs to loans | -0.0040% | 4,577 |
| Credit loss provision to net charge-offs | -800.0000% | 5,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4257% | 4,899 |
| Assets per employee ($millions) | 4.3677% | 3,302 |
| Cash dividends to net income (ytd only)* | 36.2684% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,312 |
| Loan loss allowance to noncurrent loans | 490.2174% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 4,783 |
| Noncurrent loans to loans | 0.2808% | 4,256 |
| Net loans and leases to total assets | 56.9162% | 4,205 |
| Net loans and leases to deposits | 70.5550% | 3,931 |
| Net loans and leases to core deposits | 72.7107% | 4,103 |
| Total domestic deposits to total assets | 80.6692% | 4,332 |
| Equity capital to assets | 19.0701% | 263 |
| Core capital (leverage) ratio | 19.0025% | 232 |
| Tier 1 risk-based capital ratio | 42.5947% | 198 |
| Total risk-based capital ratio | 43.8496% | 196 |
| Memoranda: | ||
| Average total assets | $56,727,000 | 5,261 |
| Average earning assets | $54,453,000 | 5,206 |
| Average equity | $10,630,750 | 4,513 |
| Average total loans | $33,178,250 | 5,143 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 1,976 |
| Cost of funding earning assets | 0.3928% | 3,119 |
| Net interest margin | 3.9607% | 1,772 |
| Noninterest income to average assets | 0.1869% | 5,377 |
| Noninterest expense to average assets | 2.3065% | 4,593 |
| Loan and lease loss provision to assets | 0.0282% | 3,559 |
| Net operating income to assets | 1.0933% | 1,979 |
| Return on assets (ROA) | 1.0933% | 2,108 |
| Pretax return on assets | 1.6576% | 1,200 |
| Return on Equity (ROE) | 5.8684% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.5935% | 4,240 |
| Net charge-offs to loans | 0.0120% | 3,305 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 273 |
| Efficiency ratio | 57.7739% | 4,934 |
| Assets per employee ($millions) | 4.4303% | 3,161 |
| Cash dividends to net income (ytd only)* | 55.8065% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,476 |
| Loan loss allowance to noncurrent loans | 224.0000% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5244% | 3,460 |
| Noncurrent loans to loans | 0.6082% | 3,242 |
| Net loans and leases to total assets | 56.3201% | 4,270 |
| Net loans and leases to deposits | 69.2787% | 4,054 |
| Net loans and leases to core deposits | 70.7120% | 4,277 |
| Total domestic deposits to total assets | 81.2949% | 4,191 |
| Equity capital to assets | 18.5106% | 294 |
| Core capital (leverage) ratio | 18.9590% | 238 |
| Tier 1 risk-based capital ratio | 41.7326% | 208 |
| Total risk-based capital ratio | 42.9852% | 206 |
| Memoranda: | ||
| Average total assets | $56,709,330 | 5,321 |
| Average earning assets | $54,485,000 | 5,260 |
| Average equity | $10,565,000 | 4,551 |
| Average total loans | $33,315,000 | 5,195 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 1,866 |
| Cost of funding earning assets | 0.3988% | 3,081 |
| Net interest margin | 3.9805% | 1,670 |
| Noninterest income to average assets | 0.2062% | 5,262 |
| Noninterest expense to average assets | 2.3104% | 4,629 |
| Loan and lease loss provision to assets | 0.0142% | 3,507 |
| Net operating income to assets | 1.1303% | 1,788 |
| Return on assets (ROA) | 1.1303% | 1,898 |
| Pretax return on assets | 1.7133% | 1,043 |
| Return on Equity (ROE) | 6.0474% | 3,963 |
| Retained earnings to average equity (ytd only) | -0.5325% | 5,207 |
| Net charge-offs to loans | 0.0119% | 2,727 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 256 |
| Efficiency ratio | 57.2183% | 5,076 |
| Assets per employee ($millions) | 4.2984% | 3,410 |
| Cash dividends to net income (ytd only)* | 108.8050% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.2634% | 4,018 |
| Net loans and leases to deposits | 72.0559% | 3,647 |
| Net loans and leases to core deposits | 73.5968% | 3,932 |
| Total domestic deposits to total assets | 80.8586% | 4,535 |
| Equity capital to assets | 18.8085% | 271 |
| Core capital (leverage) ratio | 18.7397% | 247 |
| Tier 1 risk-based capital ratio | 41.7942% | 211 |
| Total risk-based capital ratio | 43.0469% | 207 |
| Memoranda: | ||
| Average total assets | $56,267,000 | 5,378 |
| Average earning assets | $54,164,000 | 5,316 |
| Average equity | $10,517,000 | 4,578 |
| Average total loans | $33,530,000 | 5,226 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 1,825 |
| Cost of funding earning assets | 0.4249% | 2,897 |
| Net interest margin | 3.9979% | 1,725 |
| Noninterest income to average assets | 0.1630% | 5,607 |
| Noninterest expense to average assets | 2.4398% | 4,412 |
| Loan and lease loss provision to assets | 0.0269% | 3,844 |
| Net operating income to assets | 1.0157% | 2,279 |
| Return on assets (ROA) | 1.0157% | 2,359 |
| Pretax return on assets | 1.5387% | 1,439 |
| Return on Equity (ROE) | 5.5180% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.9317% | 3,242 |
| Net charge-offs to loans | 0.1278% | 2,093 |
| Credit loss provision to net charge-offs | 34.8837% | 3,592 |
| Earnings coverage of net charge-offs (x) | 20.3256% | 1,885 |
| Efficiency ratio | 60.9123% | 4,771 |
| Assets per employee ($millions) | 4.3581% | 3,291 |
| Cash dividends to net income (ytd only)* | 28.7478% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.3381% | 3,930 |
| Net loans and leases to deposits | 73.0191% | 3,612 |
| Net loans and leases to core deposits | 75.0452% | 3,843 |
| Total domestic deposits to total assets | 81.2638% | 4,410 |
| Equity capital to assets | 18.5756% | 270 |
| Core capital (leverage) ratio | 18.8975% | 242 |
| Tier 1 risk-based capital ratio | 39.6818% | 233 |
| Total risk-based capital ratio | 40.9336% | 230 |
| Memoranda: | ||
| Average total assets | $55,824,600 | 5,412 |
| Average earning assets | $53,653,800 | 5,347 |
| Average equity | $10,275,400 | 4,605 |
| Average total loans | $33,645,600 | 5,241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,923 |
| Cost of funding earning assets | 0.4345% | 2,857 |
| Net interest margin | 3.9629% | 1,835 |
| Noninterest income to average assets | 0.1606% | 5,683 |
| Noninterest expense to average assets | 2.3278% | 4,711 |
| Loan and lease loss provision to assets | 0.0360% | 3,499 |
| Net operating income to assets | 1.0572% | 2,187 |
| Return on assets (ROA) | 1.0572% | 2,282 |
| Pretax return on assets | 1.6014% | 1,378 |
| Return on Equity (ROE) | 5.7571% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.6292% | 3,885 |
| Net charge-offs to loans | 0.1391% | 1,734 |
| Credit loss provision to net charge-offs | 42.8571% | 3,126 |
| Earnings coverage of net charge-offs (x) | 19.5123% | 1,932 |
| Efficiency ratio | 58.7062% | 5,042 |
| Assets per employee ($millions) | 4.2431% | 3,438 |
| Cash dividends to net income (ytd only)* | 36.9615% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 2,885 |
| Loan loss allowance to noncurrent loans | 633.8028% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 5,238 |
| Noncurrent loans to loans | 0.2122% | 4,804 |
| Net loans and leases to total assets | 59.8513% | 3,900 |
| Net loans and leases to deposits | 74.0108% | 3,548 |
| Net loans and leases to core deposits | 75.6023% | 3,841 |
| Total domestic deposits to total assets | 80.8684% | 4,508 |
| Equity capital to assets | 18.8506% | 285 |
| Core capital (leverage) ratio | 18.5596% | 268 |
| Tier 1 risk-based capital ratio | 39.8513% | 250 |
| Total risk-based capital ratio | 41.1046% | 251 |
| Memoranda: | ||
| Average total assets | $55,617,000 | 5,482 |
| Average earning assets | $53,394,500 | 5,422 |
| Average equity | $10,213,250 | 4,673 |
| Average total loans | $33,542,000 | 5,301 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,073 |
| Cost of funding earning assets | 0.4416% | 2,822 |
| Net interest margin | 3.8921% | 2,007 |
| Noninterest income to average assets | 0.1148% | 5,969 |
| Noninterest expense to average assets | 2.3095% | 4,820 |
| Loan and lease loss provision to assets | 0.0036% | 4,013 |
| Net operating income to assets | 1.0113% | 2,332 |
| Return on assets (ROA) | 1.0113% | 2,447 |
| Pretax return on assets | 1.5313% | 1,553 |
| Return on Equity (ROE) | 5.5557% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.3444% | 4,561 |
| Net charge-offs to loans | 0.0179% | 3,339 |
| Credit loss provision to net charge-offs | 33.3333% | 2,886 |
| Earnings coverage of net charge-offs (x) | 142.6667% | 446 |
| Efficiency ratio | 60.0746% | 4,967 |
| Assets per employee ($millions) | 4.0307% | 3,824 |
| Cash dividends to net income (ytd only)* | 57.8014% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 4,970 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.4701% | 3,909 |
| Net loans and leases to deposits | 72.8419% | 3,637 |
| Net loans and leases to core deposits | 74.3525% | 3,929 |
| Total domestic deposits to total assets | 81.6427% | 4,406 |
| Equity capital to assets | 18.1428% | 323 |
| Core capital (leverage) ratio | 18.1560% | 276 |
| Tier 1 risk-based capital ratio | 40.0125% | 253 |
| Total risk-based capital ratio | 41.2670% | 255 |
| Memoranda: | ||
| Average total assets | $55,769,330 | 5,541 |
| Average earning assets | $53,441,670 | 5,476 |
| Average equity | $10,151,670 | 4,714 |
| Average total loans | $33,568,000 | 5,341 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,159 |
| Cost of funding earning assets | 0.4507% | 2,762 |
| Net interest margin | 3.8309% | 2,128 |
| Noninterest income to average assets | 0.1732% | 5,675 |
| Noninterest expense to average assets | 2.3233% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0101% | 2,219 |
| Return on assets (ROA) | 1.0101% | 2,354 |
| Pretax return on assets | 1.5296% | 1,461 |
| Return on Equity (ROE) | 5.5399% | 4,261 |
| Retained earnings to average equity (ytd only) | -0.9101% | 5,541 |
| Net charge-offs to loans | 0.0120% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 212.0000% | 271 |
| Efficiency ratio | 60.2996% | 5,055 |
| Assets per employee ($millions) | 4.2412% | 3,480 |
| Cash dividends to net income (ytd only)* | 116.4286% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 5,012 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.1512% | 3,778 |
| Net loans and leases to deposits | 72.7206% | 3,468 |
| Net loans and leases to core deposits | 74.2639% | 3,754 |
| Total domestic deposits to total assets | 81.3403% | 4,724 |
| Equity capital to assets | 18.3132% | 306 |
| Core capital (leverage) ratio | 18.1633% | 276 |
| Tier 1 risk-based capital ratio | 40.7729% | 251 |
| Total risk-based capital ratio | 42.0288% | 250 |
| Memoranda: | ||
| Average total assets | $55,439,000 | 5,604 |
| Average earning assets | $53,251,000 | 5,533 |
| Average equity | $10,108,500 | 4,760 |
| Average total loans | $33,338,500 | 5,392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 1,798 |
| Cost of funding earning assets | 0.4790% | 2,887 |
| Net interest margin | 4.0395% | 1,777 |
| Noninterest income to average assets | 0.0871% | 6,200 |
| Noninterest expense to average assets | 2.6318% | 4,112 |
| Loan and lease loss provision to assets | 0.0744% | 2,995 |
| Net operating income to assets | 0.8144% | 3,302 |
| Return on assets (ROA) | 0.8144% | 3,390 |
| Pretax return on assets | 1.2352% | 2,505 |
| Return on Equity (ROE) | 4.5176% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.9380% | 4,151 |
| Net charge-offs to loans | 0.0588% | 3,663 |
| Credit loss provision to net charge-offs | 205.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 36.1000% | 1,172 |
| Efficiency ratio | 66.7740% | 4,095 |
| Assets per employee ($millions) | 4.2879% | 3,380 |
| Cash dividends to net income (ytd only)* | 34.9666% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 5,113 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.4245% | 3,857 |
| Net loans and leases to deposits | 72.7494% | 3,593 |
| Net loans and leases to core deposits | 74.2646% | 3,898 |
| Total domestic deposits to total assets | 81.6838% | 4,534 |
| Equity capital to assets | 18.1547% | 305 |
| Core capital (leverage) ratio | 18.2300% | 281 |
| Tier 1 risk-based capital ratio | 40.4153% | 232 |
| Total risk-based capital ratio | 41.6693% | 227 |
| Memoranda: | ||
| Average total assets | $55,133,400 | 5,671 |
| Average earning assets | $52,605,400 | 5,606 |
| Average equity | $9,938,800 | 4,762 |
| Average total loans | $33,991,600 | 5,399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,696 |
| Cost of funding earning assets | 0.4897% | 2,866 |
| Net interest margin | 4.0629% | 1,687 |
| Noninterest income to average assets | 0.1528% | 6,003 |
| Noninterest expense to average assets | 2.5463% | 4,376 |
| Loan and lease loss provision to assets | 0.0970% | 2,424 |
| Net operating income to assets | 0.9045% | 2,896 |
| Return on assets (ROA) | 0.9045% | 2,986 |
| Pretax return on assets | 1.3726% | 2,109 |
| Return on Equity (ROE) | 5.0267% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.9109% | 4,522 |
| Net charge-offs to loans | 0.0587% | 3,376 |
| Credit loss provision to net charge-offs | 266.6667% | 1,001 |
| Earnings coverage of net charge-offs (x) | 40.3990% | 1,124 |
| Efficiency ratio | 63.4058% | 4,647 |
| Assets per employee ($millions) | 3.2139% | 5,399 |
| Cash dividends to net income (ytd only)* | 42.0916% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 3,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 4,153 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.7566% | 3,664 |
| Net loans and leases to deposits | 74.7147% | 3,339 |
| Net loans and leases to core deposits | 75.8691% | 3,763 |
| Total domestic deposits to total assets | 81.3182% | 4,728 |
| Equity capital to assets | 18.3817% | 313 |
| Core capital (leverage) ratio | 18.2093% | 291 |
| Tier 1 risk-based capital ratio | 39.4881% | 251 |
| Total risk-based capital ratio | 40.7384% | 249 |
| Memoranda: | ||
| Average total assets | $54,981,000 | 5,735 |
| Average earning assets | $52,276,250 | 5,673 |
| Average equity | $9,893,500 | 4,809 |
| Average total loans | $34,090,750 | 5,449 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5352% | 1,715 |
| Cost of funding earning assets | 0.4997% | 2,837 |
| Net interest margin | 4.0355% | 1,704 |
| Noninterest income to average assets | 0.1706% | 5,929 |
| Noninterest expense to average assets | 2.5664% | 4,366 |
| Loan and lease loss provision to assets | 0.0908% | 2,512 |
| Net operating income to assets | 0.8930% | 2,850 |
| Return on assets (ROA) | 0.8930% | 2,944 |
| Pretax return on assets | 1.3540% | 2,070 |
| Return on Equity (ROE) | 4.9981% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.8083% | 4,986 |
| Net charge-offs to loans | 0.0584% | 3,133 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,065 |
| Efficiency ratio | 63.9819% | 4,693 |
| Assets per employee ($millions) | 3.0937% | 5,607 |
| Cash dividends to net income (ytd only)* | 63.8211% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 4,321 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.7752% | 3,758 |
| Net loans and leases to deposits | 72.9642% | 3,453 |
| Net loans and leases to core deposits | 74.0567% | 3,831 |
| Total domestic deposits to total assets | 81.9240% | 4,669 |
| Equity capital to assets | 17.8067% | 339 |
| Core capital (leverage) ratio | 17.9271% | 301 |
| Tier 1 risk-based capital ratio | 39.1102% | 259 |
| Total risk-based capital ratio | 40.3605% | 256 |
| Memoranda: | ||
| Average total assets | $55,096,000 | 5,786 |
| Average earning assets | $52,434,330 | 5,721 |
| Average equity | $9,843,670 | 4,837 |
| Average total loans | $34,231,000 | 5,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 1,664 |
| Cost of funding earning assets | 0.5228% | 2,679 |
| Net interest margin | 4.0212% | 1,678 |
| Noninterest income to average assets | 0.1752% | 5,921 |
| Noninterest expense to average assets | 2.5985% | 4,274 |
| Loan and lease loss provision to assets | 0.1095% | 2,107 |
| Net operating income to assets | 0.8467% | 2,916 |
| Return on assets (ROA) | 0.8467% | 2,991 |
| Pretax return on assets | 1.2847% | 2,153 |
| Return on Equity (ROE) | 4.7311% | 4,674 |
| Retained earnings to average equity (ytd only) | -1.6722% | 5,818 |
| Net charge-offs to loans | 0.0116% | 3,391 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 255 |
| Efficiency ratio | 65.0823% | 4,676 |
| Assets per employee ($millions) | 3.0707% | 5,740 |
| Cash dividends to net income (ytd only)* | 135.3448% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 3,837 |
| Loan loss allowance to noncurrent loans | 798.2759% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 4,831 |
| Noncurrent loans to loans | 0.1694% | 5,578 |
| Net loans and leases to total assets | 61.1015% | 3,380 |
| Net loans and leases to deposits | 74.4615% | 3,014 |
| Net loans and leases to core deposits | 75.5796% | 3,455 |
| Total domestic deposits to total assets | 82.0578% | 4,927 |
| Equity capital to assets | 17.7070% | 339 |
| Core capital (leverage) ratio | 18.1493% | 302 |
| Tier 1 risk-based capital ratio | 38.2693% | 268 |
| Total risk-based capital ratio | 39.5206% | 262 |
| Memoranda: | ||
| Average total assets | $54,800,500 | 5,851 |
| Average earning assets | $52,024,000 | 5,788 |
| Average equity | $9,807,500 | 4,867 |
| Average total loans | $34,471,000 | 5,522 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,528 |
| Cost of funding earning assets | 0.6568% | 2,155 |
| Net interest margin | 4.0589% | 1,770 |
| Noninterest income to average assets | 0.1620% | 6,121 |
| Noninterest expense to average assets | 2.8342% | 3,599 |
| Loan and lease loss provision to assets | 0.0874% | 3,354 |
| Net operating income to assets | 0.7463% | 3,572 |
| Return on assets (ROA) | 0.7463% | 3,663 |
| Pretax return on assets | 1.1213% | 2,882 |
| Return on Equity (ROE) | 4.2395% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.6678% | 4,346 |
| Net charge-offs to loans | 0.2249% | 2,662 |
| Credit loss provision to net charge-offs | 60.7595% | 3,538 |
| Earnings coverage of net charge-offs (x) | 8.4051% | 2,679 |
| Efficiency ratio | 70.1036% | 3,822 |
| Assets per employee ($millions) | 3.1958% | 5,495 |
| Cash dividends to net income (ytd only)* | 37.0732% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,178 |
| Loan loss allowance to noncurrent loans | 307.5342% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 4,421 |
| Noncurrent loans to loans | 0.4207% | 4,938 |
| Net loans and leases to total assets | 63.0566% | 3,195 |
| Net loans and leases to deposits | 77.0986% | 2,842 |
| Net loans and leases to core deposits | 78.2754% | 3,320 |
| Total domestic deposits to total assets | 81.7869% | 4,947 |
| Equity capital to assets | 18.0898% | 313 |
| Core capital (leverage) ratio | 17.9131% | 302 |
| Tier 1 risk-based capital ratio | 37.6148% | 268 |
| Total risk-based capital ratio | 38.8625% | 267 |
| Memoranda: | ||
| Average total assets | $54,936,000 | 5,894 |
| Average earning assets | $52,526,400 | 5,819 |
| Average equity | $9,671,000 | 4,929 |
| Average total loans | $35,123,200 | 5,532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 1,595 |
| Cost of funding earning assets | 0.6820% | 2,086 |
| Net interest margin | 4.0187% | 1,884 |
| Noninterest income to average assets | 0.1767% | 6,134 |
| Noninterest expense to average assets | 2.6672% | 4,137 |
| Loan and lease loss provision to assets | 0.0654% | 3,750 |
| Net operating income to assets | 0.8544% | 3,077 |
| Return on assets (ROA) | 0.8544% | 3,188 |
| Pretax return on assets | 1.2949% | 2,352 |
| Return on Equity (ROE) | 4.8864% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.7824% | 4,654 |
| Net charge-offs to loans | 0.1893% | 2,708 |
| Credit loss provision to net charge-offs | 54.0000% | 3,417 |
| Earnings coverage of net charge-offs (x) | 11.2391% | 2,262 |
| Efficiency ratio | 66.2260% | 4,442 |
| Assets per employee ($millions) | 3.3655% | 5,144 |
| Cash dividends to net income (ytd only)* | 43.0596% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,301 |
| Loan loss allowance to noncurrent loans | 1,523.3333% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 5,289 |
| Noncurrent loans to loans | 0.0864% | 6,075 |
| Net loans and leases to total assets | 59.8752% | 3,714 |
| Net loans and leases to deposits | 72.4341% | 3,463 |
| Net loans and leases to core deposits | 72.8299% | 3,990 |
| Total domestic deposits to total assets | 82.6616% | 4,697 |
| Equity capital to assets | 17.0780% | 416 |
| Core capital (leverage) ratio | 17.4948% | 340 |
| Tier 1 risk-based capital ratio | 37.2399% | 281 |
| Total risk-based capital ratio | 38.4900% | 279 |
| Memoranda: | ||
| Average total assets | $55,087,750 | 5,962 |
| Average earning assets | $52,785,750 | 5,874 |
| Average equity | $9,631,750 | 4,993 |
| Average total loans | $35,227,250 | 5,577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 1,341 |
| Cost of funding earning assets | 0.7137% | 1,972 |
| Net interest margin | 4.0787% | 1,600 |
| Noninterest income to average assets | 0.1729% | 6,171 |
| Noninterest expense to average assets | 2.7437% | 3,877 |
| Loan and lease loss provision to assets | 0.0625% | 3,760 |
| Net operating income to assets | 0.8422% | 3,084 |
| Return on assets (ROA) | 0.8422% | 3,239 |
| Pretax return on assets | 1.2762% | 2,382 |
| Return on Equity (ROE) | 4.7781% | 4,841 |
| Retained earnings to average equity (ytd only) | 1.6066% | 5,228 |
| Net charge-offs to loans | 0.3051% | 1,967 |
| Credit loss provision to net charge-offs | 31.4815% | 3,563 |
| Earnings coverage of net charge-offs (x) | 6.7407% | 2,664 |
| Efficiency ratio | 67.2072% | 4,325 |
| Assets per employee ($millions) | 3.4212% | 5,014 |
| Cash dividends to net income (ytd only)* | 66.3755% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,692 |
| Loan loss allowance to noncurrent loans | 91.1523% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 3,686 |
| Noncurrent loans to loans | 1.3826% | 3,234 |
| Net loans and leases to total assets | 63.4045% | 3,022 |
| Net loans and leases to deposits | 77.1730% | 2,703 |
| Net loans and leases to core deposits | 78.3277% | 3,246 |
| Total domestic deposits to total assets | 82.1590% | 5,001 |
| Equity capital to assets | 17.6236% | 353 |
| Core capital (leverage) ratio | 17.6517% | 312 |
| Tier 1 risk-based capital ratio | 36.2874% | 295 |
| Total risk-based capital ratio | 37.5400% | 294 |
| Memoranda: | ||
| Average total assets | $54,379,000 | 6,012 |
| Average earning assets | $52,124,330 | 5,934 |
| Average equity | $9,585,330 | 5,040 |
| Average total loans | $35,398,330 | 5,602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 1,183 |
| Cost of funding earning assets | 0.7391% | 1,928 |
| Net interest margin | 4.1191% | 1,405 |
| Noninterest income to average assets | 0.1771% | 6,204 |
| Noninterest expense to average assets | 2.6864% | 4,119 |
| Loan and lease loss provision to assets | 0.0886% | 3,185 |
| Net operating income to assets | 0.8930% | 2,688 |
| Return on assets (ROA) | 0.8930% | 2,836 |
| Pretax return on assets | 1.3506% | 2,041 |
| Return on Equity (ROE) | 5.0657% | 4,538 |
| Retained earnings to average equity (ytd only) | -1.2978% | 5,993 |
| Net charge-offs to loans | 0.1464% | 2,525 |
| Credit loss provision to net charge-offs | 92.3077% | 1,980 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,421 |
| Efficiency ratio | 65.1163% | 4,810 |
| Assets per employee ($millions) | 3.1941% | 5,644 |
| Cash dividends to net income (ytd only)* | 125.6198% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,415 |
| Loan loss allowance to noncurrent loans | 465.0485% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 6,004 |
| Noncurrent loans to loans | 0.2929% | 5,672 |
| Net loans and leases to total assets | 63.8692% | 2,733 |
| Net loans and leases to deposits | 77.8054% | 2,363 |
| Net loans and leases to core deposits | 78.9748% | 2,930 |
| Total domestic deposits to total assets | 82.0884% | 5,164 |
| Equity capital to assets | 17.5672% | 364 |
| Core capital (leverage) ratio | 17.7005% | 304 |
| Tier 1 risk-based capital ratio | 36.2907% | 309 |
| Total risk-based capital ratio | 37.5461% | 303 |
| Memoranda: | ||
| Average total assets | $54,199,000 | 6,069 |
| Average earning assets | $51,953,000 | 5,988 |
| Average equity | $9,554,500 | 5,099 |
| Average total loans | $35,522,500 | 5,641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 851 |
| Cost of funding earning assets | 0.9510% | 1,637 |
| Net interest margin | 4.3875% | 1,187 |
| Noninterest income to average assets | 0.1822% | 6,093 |
| Noninterest expense to average assets | 2.7924% | 4,047 |
| Loan and lease loss provision to assets | 0.0113% | 5,773 |
| Net operating income to assets | 1.0403% | 2,165 |
| Return on assets (ROA) | 1.0403% | 2,368 |
| Pretax return on assets | 1.5718% | 1,458 |
| Return on Equity (ROE) | 5.9348% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.3600% | 3,159 |
| Net charge-offs to loans | 0.0703% | 4,979 |
| Credit loss provision to net charge-offs | 24.0000% | 5,226 |
| Earnings coverage of net charge-offs (x) | 33.7200% | 925 |
| Efficiency ratio | 63.8197% | 4,920 |
| Assets per employee ($millions) | 3.1822% | 5,665 |
| Cash dividends to net income (ytd only)* | 26.5343% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.4460% | 2,622 |
| Net loans and leases to deposits | 79.6513% | 2,333 |
| Net loans and leases to core deposits | 81.4058% | 2,835 |
| Total domestic deposits to total assets | 82.1657% | 5,038 |
| Equity capital to assets | 17.6901% | 350 |
| Core capital (leverage) ratio | 17.8086% | 292 |
| Tier 1 risk-based capital ratio | 35.5696% | 330 |
| Total risk-based capital ratio | 36.8259% | 324 |
| Memoranda: | ||
| Average total assets | $53,252,000 | 6,111 |
| Average earning assets | $50,894,600 | 6,014 |
| Average equity | $9,334,800 | 5,141 |
| Average total loans | $35,582,200 | 5,698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 871 |
| Cost of funding earning assets | 0.9867% | 1,641 |
| Net interest margin | 4.3913% | 1,216 |
| Noninterest income to average assets | 0.2061% | 6,056 |
| Noninterest expense to average assets | 2.6822% | 4,440 |
| Loan and lease loss provision to assets | 0.0025% | 5,771 |
| Net operating income to assets | 1.1337% | 1,974 |
| Return on assets (ROA) | 1.1337% | 2,168 |
| Pretax return on assets | 1.7169% | 1,224 |
| Return on Equity (ROE) | 6.4825% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,812 |
| Net charge-offs to loans | 0.0563% | 4,865 |
| Credit loss provision to net charge-offs | 6.6667% | 5,114 |
| Earnings coverage of net charge-offs (x) | 45.5990% | 805 |
| Efficiency ratio | 60.9366% | 5,325 |
| Assets per employee ($millions) | 3.3078% | 5,425 |
| Cash dividends to net income (ytd only)* | 32.5950% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,533 |
| Loan loss allowance to noncurrent loans | 183.7121% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 5,427 |
| Noncurrent loans to loans | 0.7413% | 4,935 |
| Net loans and leases to total assets | 66.3732% | 2,578 |
| Net loans and leases to deposits | 81.1064% | 2,236 |
| Net loans and leases to core deposits | 82.3518% | 2,911 |
| Total domestic deposits to total assets | 81.8347% | 5,078 |
| Equity capital to assets | 17.8876% | 372 |
| Core capital (leverage) ratio | 17.7928% | 312 |
| Tier 1 risk-based capital ratio | 35.0305% | 359 |
| Total risk-based capital ratio | 36.2849% | 349 |
| Memoranda: | ||
| Average total assets | $53,040,500 | 6,188 |
| Average earning assets | $50,675,250 | 6,094 |
| Average equity | $9,276,000 | 5,203 |
| Average total loans | $35,506,500 | 5,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 877 |
| Cost of funding earning assets | 1.0103% | 1,704 |
| Net interest margin | 4.3847% | 1,247 |
| Noninterest income to average assets | 0.1846% | 6,243 |
| Noninterest expense to average assets | 2.6941% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1078% | 2,017 |
| Return on assets (ROA) | 1.1078% | 2,236 |
| Pretax return on assets | 1.6767% | 1,324 |
| Return on Equity (ROE) | 6.3828% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.1914% | 4,489 |
| Net charge-offs to loans | 0.0169% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 302 |
| Efficiency ratio | 61.6379% | 5,305 |
| Assets per employee ($millions) | 3.1516% | 5,743 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 4,424 |
| Loan loss allowance to noncurrent loans | 198.4000% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 4,876 |
| Noncurrent loans to loans | 0.7105% | 5,084 |
| Net loans and leases to total assets | 64.7517% | 2,882 |
| Net loans and leases to deposits | 78.6453% | 2,575 |
| Net loans and leases to core deposits | 79.0971% | 3,355 |
| Total domestic deposits to total assets | 82.3338% | 5,005 |
| Equity capital to assets | 17.3769% | 397 |
| Core capital (leverage) ratio | 17.4770% | 328 |
| Tier 1 risk-based capital ratio | 34.9855% | 343 |
| Total risk-based capital ratio | 36.2444% | 339 |
| Memoranda: | ||
| Average total assets | $53,079,000 | 6,225 |
| Average earning assets | $50,675,670 | 6,129 |
| Average equity | $9,212,330 | 5,222 |
| Average total loans | $35,471,000 | 5,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 742 |
| Cost of funding earning assets | 1.0295% | 1,815 |
| Net interest margin | 4.4822% | 1,046 |
| Noninterest income to average assets | 0.1969% | 6,204 |
| Noninterest expense to average assets | 2.7863% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1206% | 1,987 |
| Return on assets (ROA) | 1.1206% | 2,172 |
| Pretax return on assets | 1.6960% | 1,314 |
| Return on Equity (ROE) | 6.4604% | 4,063 |
| Retained earnings to average equity (ytd only) | 0.0437% | 5,960 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1622% | 5,253 |
| Assets per employee ($millions) | 3.1332% | 5,895 |
| Cash dividends to net income (ytd only)* | 99.3243% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,450 |
| Loan loss allowance to noncurrent loans | 334.8993% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 6,191 |
| Noncurrent loans to loans | 0.4285% | 5,811 |
| Net loans and leases to total assets | 64.3462% | 2,797 |
| Net loans and leases to deposits | 78.1655% | 2,478 |
| Net loans and leases to core deposits | 79.3416% | 3,130 |
| Total domestic deposits to total assets | 82.3205% | 5,188 |
| Equity capital to assets | 17.2045% | 401 |
| Core capital (leverage) ratio | 17.4022% | 330 |
| Tier 1 risk-based capital ratio | 34.6086% | 347 |
| Total risk-based capital ratio | 35.8662% | 342 |
| Memoranda: | ||
| Average total assets | $52,830,000 | 6,274 |
| Average earning assets | $50,510,500 | 6,174 |
| Average equity | $9,163,500 | 5,247 |
| Average total loans | $35,612,500 | 5,842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8547% | 570 |
| Cost of funding earning assets | 1.0457% | 3,060 |
| Net interest margin | 4.8090% | 608 |
| Noninterest income to average assets | 0.1625% | 6,327 |
| Noninterest expense to average assets | 2.8748% | 4,065 |
| Loan and lease loss provision to assets | 0.0890% | 5,473 |
| Net operating income to assets | 1.1840% | 1,550 |
| Return on assets (ROA) | 1.1840% | 1,665 |
| Pretax return on assets | 1.7895% | 816 |
| Return on Equity (ROE) | 6.8810% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,423 |
| Net charge-offs to loans | 0.1153% | 5,224 |
| Credit loss provision to net charge-offs | 109.5238% | 3,060 |
| Earnings coverage of net charge-offs (x) | 23.1190% | 1,038 |
| Efficiency ratio | 60.4803% | 5,672 |
| Assets per employee ($millions) | 3.0821% | 5,928 |
| Cash dividends to net income (ytd only)* | 22.3856% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,605 |
| Loan loss allowance to noncurrent loans | 389.8438% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,359 |
| Noncurrent loans to loans | 0.3511% | 6,025 |
| Net loans and leases to total assets | 68.6191% | 2,288 |
| Net loans and leases to deposits | 83.4622% | 1,994 |
| Net loans and leases to core deposits | 83.4622% | 2,962 |
| Total domestic deposits to total assets | 82.2159% | 5,056 |
| Equity capital to assets | 17.4883% | 387 |
| Core capital (leverage) ratio | 17.6643% | 319 |
| Tier 1 risk-based capital ratio | 32.8788% | 394 |
| Total risk-based capital ratio | 34.1311% | 390 |
| Memoranda: | ||
| Average total assets | $51,689,800 | 6,311 |
| Average earning assets | $49,344,800 | 6,222 |
| Average equity | $8,894,000 | 5,307 |
| Average total loans | $36,434,400 | 5,849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9226% | 537 |
| Cost of funding earning assets | 1.0635% | 3,221 |
| Net interest margin | 4.8591% | 559 |
| Noninterest income to average assets | 0.1605% | 6,445 |
| Noninterest expense to average assets | 2.7591% | 4,501 |
| Loan and lease loss provision to assets | 0.1191% | 4,947 |
| Net operating income to assets | 1.2656% | 1,464 |
| Return on assets (ROA) | 1.2656% | 1,575 |
| Pretax return on assets | 1.9179% | 748 |
| Return on Equity (ROE) | 7.3864% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.3170% | 2,980 |
| Net charge-offs to loans | 0.1647% | 4,471 |
| Credit loss provision to net charge-offs | 102.2222% | 3,267 |
| Earnings coverage of net charge-offs (x) | 17.4885% | 1,349 |
| Efficiency ratio | 57.5283% | 6,080 |
| Assets per employee ($millions) | 3.0136% | 6,088 |
| Cash dividends to net income (ytd only)* | 28.0162% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 4,725 |
| Loan loss allowance to noncurrent loans | 218.5022% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,984 |
| Noncurrent loans to loans | 0.6236% | 5,640 |
| Net loans and leases to total assets | 70.0865% | 2,067 |
| Net loans and leases to deposits | 85.4234% | 1,770 |
| Net loans and leases to core deposits | 85.4234% | 2,857 |
| Total domestic deposits to total assets | 82.0460% | 5,076 |
| Equity capital to assets | 17.6456% | 429 |
| Core capital (leverage) ratio | 17.6787% | 351 |
| Tier 1 risk-based capital ratio | 32.5426% | 433 |
| Total risk-based capital ratio | 33.7953% | 428 |
| Memoranda: | ||
| Average total assets | $51,513,500 | 6,376 |
| Average earning assets | $49,143,750 | 6,281 |
| Average equity | $8,826,750 | 5,352 |
| Average total loans | $36,430,000 | 5,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 618 |
| Cost of funding earning assets | 1.0649% | 3,509 |
| Net interest margin | 4.8085% | 594 |
| Noninterest income to average assets | 0.1589% | 6,523 |
| Noninterest expense to average assets | 2.8058% | 4,408 |
| Loan and lease loss provision to assets | 0.0349% | 5,878 |
| Net operating income to assets | 1.2556% | 1,429 |
| Return on assets (ROA) | 1.2556% | 1,497 |
| Pretax return on assets | 1.9028% | 708 |
| Return on Equity (ROE) | 7.4009% | 3,238 |
| Retained earnings to average equity (ytd only) | 4.2944% | 3,463 |
| Net charge-offs to loans | 0.0439% | 5,242 |
| Credit loss provision to net charge-offs | 112.5000% | 2,726 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 526 |
| Efficiency ratio | 59.1503% | 6,004 |
| Assets per employee ($millions) | 3.0046% | 6,082 |
| Cash dividends to net income (ytd only)* | 41.9753% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 4,780 |
| Loan loss allowance to noncurrent loans | 311.3208% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,348 |
| Noncurrent loans to loans | 0.4368% | 6,032 |
| Net loans and leases to total assets | 70.2931% | 2,159 |
| Net loans and leases to deposits | 87.4985% | 1,575 |
| Net loans and leases to core deposits | 87.4985% | 2,702 |
| Total domestic deposits to total assets | 80.3363% | 5,732 |
| Equity capital to assets | 17.3770% | 444 |
| Core capital (leverage) ratio | 17.2386% | 386 |
| Tier 1 risk-based capital ratio | 32.3942% | 436 |
| Total risk-based capital ratio | 33.6460% | 430 |
| Memoranda: | ||
| Average total assets | $51,607,670 | 6,425 |
| Average earning assets | $49,205,000 | 6,332 |
| Average equity | $8,755,670 | 5,393 |
| Average total loans | $36,439,330 | 5,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8391% | 686 |
| Cost of funding earning assets | 1.0984% | 3,535 |
| Net interest margin | 4.7408% | 651 |
| Noninterest income to average assets | 0.1696% | 6,512 |
| Noninterest expense to average assets | 2.9303% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1644% | 1,612 |
| Return on assets (ROA) | 1.1644% | 1,669 |
| Pretax return on assets | 1.7659% | 871 |
| Return on Equity (ROE) | 6.9461% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.6900% | 5,548 |
| Net charge-offs to loans | 0.0110% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 138 |
| Efficiency ratio | 62.3974% | 5,614 |
| Assets per employee ($millions) | 3.0313% | 6,094 |
| Cash dividends to net income (ytd only)* | 90.0662% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,794 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,110 |
| Noncurrent loans to loans | 0.0362% | 6,963 |
| Net loans and leases to total assets | 68.8252% | 2,374 |
| Net loans and leases to deposits | 83.3596% | 2,124 |
| Net loans and leases to core deposits | 83.3596% | 3,245 |
| Total domestic deposits to total assets | 82.5642% | 5,081 |
| Equity capital to assets | 16.8885% | 452 |
| Core capital (leverage) ratio | 16.7901% | 410 |
| Tier 1 risk-based capital ratio | 32.3496% | 421 |
| Total risk-based capital ratio | 33.6059% | 414 |
| Memoranda: | ||
| Average total assets | $51,872,000 | 6,460 |
| Average earning assets | $49,528,000 | 6,353 |
| Average equity | $8,695,500 | 5,409 |
| Average total loans | $36,459,000 | 6,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1049% | 694 |
| Cost of funding earning assets | 1.3199% | 3,754 |
| Net interest margin | 4.7850% | 682 |
| Noninterest income to average assets | 0.1885% | 6,407 |
| Noninterest expense to average assets | 2.8231% | 4,507 |
| Loan and lease loss provision to assets | 0.1365% | 5,807 |
| Net operating income to assets | 1.1827% | 1,452 |
| Return on assets (ROA) | 1.1827% | 1,529 |
| Pretax return on assets | 1.7884% | 780 |
| Return on Equity (ROE) | 7.3110% | 2,974 |
| Retained earnings to average equity (ytd only) | 5.8131% | 1,928 |
| Net charge-offs to loans | 0.0943% | 5,900 |
| Credit loss provision to net charge-offs | 208.8235% | 1,469 |
| Earnings coverage of net charge-offs (x) | 29.4412% | 742 |
| Efficiency ratio | 59.4573% | 6,124 |
| Assets per employee ($millions) | 3.0713% | 5,945 |
| Cash dividends to net income (ytd only)* | 20.4878% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 4,802 |
| Loan loss allowance to noncurrent loans | 386.7188% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 6,622 |
| Noncurrent loans to loans | 0.3463% | 6,367 |
| Net loans and leases to total assets | 69.8345% | 2,571 |
| Net loans and leases to deposits | 84.8901% | 2,301 |
| Net loans and leases to core deposits | 84.8901% | 3,472 |
| Total domestic deposits to total assets | 82.2646% | 5,102 |
| Equity capital to assets | 16.6399% | 500 |
| Core capital (leverage) ratio | 16.5805% | 440 |
| Tier 1 risk-based capital ratio | 31.0707% | 463 |
| Total risk-based capital ratio | 32.3260% | 456 |
| Memoranda: | ||
| Average total assets | $52,000,400 | 6,462 |
| Average earning assets | $49,550,600 | 6,386 |
| Average equity | $8,412,000 | 5,580 |
| Average total loans | $36,056,000 | 6,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1010% | 760 |
| Cost of funding earning assets | 1.3791% | 3,714 |
| Net interest margin | 4.7219% | 798 |
| Noninterest income to average assets | 0.1899% | 6,525 |
| Noninterest expense to average assets | 2.6539% | 5,096 |
| Loan and lease loss provision to assets | 0.1694% | 5,347 |
| Net operating income to assets | 1.2320% | 1,508 |
| Return on assets (ROA) | 1.2320% | 1,585 |
| Pretax return on assets | 1.8659% | 817 |
| Return on Equity (ROE) | 7.6709% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.6573% | 2,562 |
| Net charge-offs to loans | 0.1153% | 5,385 |
| Credit loss provision to net charge-offs | 212.9032% | 1,649 |
| Earnings coverage of net charge-offs (x) | 25.5821% | 992 |
| Efficiency ratio | 56.5955% | 6,473 |
| Assets per employee ($millions) | 3.0061% | 6,131 |
| Cash dividends to net income (ytd only)* | 26.2508% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,720 |
| Loan loss allowance to noncurrent loans | 3,286.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 7,282 |
| Noncurrent loans to loans | 0.0410% | 7,143 |
| Net loans and leases to total assets | 70.6207% | 2,582 |
| Net loans and leases to deposits | 85.1400% | 2,495 |
| Net loans and leases to core deposits | 85.1400% | 3,776 |
| Total domestic deposits to total assets | 82.9465% | 4,613 |
| Equity capital to assets | 16.7365% | 552 |
| Core capital (leverage) ratio | 16.3873% | 503 |
| Tier 1 risk-based capital ratio | 31.1335% | 465 |
| Total risk-based capital ratio | 32.3893% | 460 |
| Memoranda: | ||
| Average total assets | $51,947,500 | 6,544 |
| Average earning assets | $49,499,000 | 6,452 |
| Average equity | $8,343,000 | 5,677 |
| Average total loans | $35,830,750 | 6,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0387% | 862 |
| Cost of funding earning assets | 1.4334% | 3,653 |
| Net interest margin | 4.6053% | 984 |
| Noninterest income to average assets | 0.2106% | 6,414 |
| Noninterest expense to average assets | 2.6384% | 5,172 |
| Loan and lease loss provision to assets | 0.0919% | 6,000 |
| Net operating income to assets | 1.2369% | 1,460 |
| Return on assets (ROA) | 1.2369% | 1,523 |
| Pretax return on assets | 1.8725% | 773 |
| Return on Equity (ROE) | 7.8085% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.7625% | 3,031 |
| Net charge-offs to loans | 0.0506% | 5,679 |
| Credit loss provision to net charge-offs | 266.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 535 |
| Efficiency ratio | 57.3211% | 6,471 |
| Assets per employee ($millions) | 3.0689% | 5,997 |
| Cash dividends to net income (ytd only)* | 39.0093% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,809 |
| Loan loss allowance to noncurrent loans | 175.1852% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 6,172 |
| Noncurrent loans to loans | 0.7533% | 5,761 |
| Net loans and leases to total assets | 67.7912% | 3,426 |
| Net loans and leases to deposits | 81.3282% | 3,379 |
| Net loans and leases to core deposits | 81.3282% | 4,512 |
| Total domestic deposits to total assets | 83.3551% | 4,409 |
| Equity capital to assets | 16.0929% | 656 |
| Core capital (leverage) ratio | 15.7739% | 598 |
| Tier 1 risk-based capital ratio | 30.1526% | 499 |
| Total risk-based capital ratio | 31.4060% | 489 |
| Memoranda: | ||
| Average total assets | $52,228,670 | 6,576 |
| Average earning assets | $49,812,000 | 6,481 |
| Average equity | $8,273,000 | 5,705 |
| Average total loans | $35,580,000 | 6,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9928% | 994 |
| Cost of funding earning assets | 1.5022% | 3,538 |
| Net interest margin | 4.4906% | 1,169 |
| Noninterest income to average assets | 0.2756% | 5,948 |
| Noninterest expense to average assets | 2.7020% | 4,896 |
| Loan and lease loss provision to assets | 0.0995% | 5,638 |
| Net operating income to assets | 1.1558% | 1,661 |
| Return on assets (ROA) | 1.1558% | 1,739 |
| Pretax return on assets | 1.7529% | 968 |
| Return on Equity (ROE) | 7.3555% | 3,179 |
| Retained earnings to average equity (ytd only) | 1.2178% | 5,331 |
| Net charge-offs to loans | 0.0790% | 4,630 |
| Credit loss provision to net charge-offs | 185.7143% | 1,971 |
| Earnings coverage of net charge-offs (x) | 34.5714% | 787 |
| Efficiency ratio | 59.3277% | 6,288 |
| Assets per employee ($millions) | 3.5086% | 5,008 |
| Cash dividends to net income (ytd only)* | 83.4437% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,803 |
| Loan loss allowance to noncurrent loans | 478.3505% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 7,014 |
| Noncurrent loans to loans | 0.2769% | 6,768 |
| Net loans and leases to total assets | 65.6805% | 3,934 |
| Net loans and leases to deposits | 78.4562% | 3,954 |
| Net loans and leases to core deposits | 78.4562% | 4,965 |
| Total domestic deposits to total assets | 83.7162% | 4,291 |
| Equity capital to assets | 15.6264% | 737 |
| Core capital (leverage) ratio | 15.5805% | 645 |
| Tier 1 risk-based capital ratio | 30.3872% | 511 |
| Total risk-based capital ratio | 31.6435% | 494 |
| Memoranda: | ||
| Average total assets | $52,257,000 | 6,658 |
| Average earning assets | $49,793,000 | 6,557 |
| Average equity | $8,211,500 | 5,765 |
| Average total loans | $35,449,500 | 6,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5281% | 634 |
| Cost of funding earning assets | 1.7823% | 4,089 |
| Net interest margin | 4.7458% | 770 |
| Noninterest income to average assets | 0.1351% | 7,080 |
| Noninterest expense to average assets | 2.8829% | 4,596 |
| Loan and lease loss provision to assets | 0.1116% | 6,529 |
| Net operating income to assets | 1.0830% | 1,558 |
| Return on assets (ROA) | 1.0830% | 1,610 |
| Pretax return on assets | 1.6412% | 879 |
| Return on Equity (ROE) | 6.9389% | 2,811 |
| Retained earnings to average equity (ytd only) | 5.4959% | 1,580 |
| Net charge-offs to loans | 0.0713% | 6,401 |
| Credit loss provision to net charge-offs | 228.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 35.8000% | 658 |
| Efficiency ratio | 62.1884% | 6,122 |
| Assets per employee ($millions) | 3.4590% | 5,107 |
| Cash dividends to net income (ytd only)* | 20.7957% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,993 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.2471% | 3,645 |
| Net loans and leases to deposits | 81.3630% | 3,727 |
| Net loans and leases to core deposits | 95.3471% | 4,533 |
| Total domestic deposits to total assets | 83.8797% | 4,081 |
| Equity capital to assets | 15.8023% | 728 |
| Core capital (leverage) ratio | 15.6562% | 669 |
| Tier 1 risk-based capital ratio | 29.5321% | 551 |
| Total risk-based capital ratio | 30.7856% | 534 |
| Memoranda: | ||
| Average total assets | $51,060,000 | 6,664 |
| Average earning assets | $48,421,400 | 6,582 |
| Average equity | $7,969,600 | 5,936 |
| Average total loans | $35,081,000 | 6,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5759% | 641 |
| Cost of funding earning assets | 1.8231% | 4,267 |
| Net interest margin | 4.7528% | 752 |
| Noninterest income to average assets | 0.1337% | 7,207 |
| Noninterest expense to average assets | 2.6087% | 5,685 |
| Loan and lease loss provision to assets | 0.1154% | 6,211 |
| Net operating income to assets | 1.2637% | 1,307 |
| Return on assets (ROA) | 1.2637% | 1,374 |
| Pretax return on assets | 1.9139% | 642 |
| Return on Equity (ROE) | 8.1222% | 2,590 |
| Retained earnings to average equity (ytd only) | 6.1843% | 1,858 |
| Net charge-offs to loans | 0.0803% | 5,876 |
| Credit loss provision to net charge-offs | 209.5238% | 2,102 |
| Earnings coverage of net charge-offs (x) | 36.8561% | 797 |
| Efficiency ratio | 56.2465% | 6,964 |
| Assets per employee ($millions) | 3.2181% | 5,604 |
| Cash dividends to net income (ytd only)* | 23.8590% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,627 |
| Loan loss allowance to noncurrent loans | 458.1633% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 6,448 |
| Noncurrent loans to loans | 0.2790% | 6,815 |
| Net loans and leases to total assets | 67.3503% | 4,104 |
| Net loans and leases to deposits | 80.4725% | 4,304 |
| Net loans and leases to core deposits | 93.0478% | 5,132 |
| Total domestic deposits to total assets | 83.6936% | 3,862 |
| Equity capital to assets | 15.7840% | 826 |
| Core capital (leverage) ratio | 15.4948% | 763 |
| Tier 1 risk-based capital ratio | 30.0433% | 562 |
| Total risk-based capital ratio | 31.3001% | 551 |
| Memoranda: | ||
| Average total assets | $50,853,750 | 6,724 |
| Average earning assets | $48,195,000 | 6,637 |
| Average equity | $7,912,250 | 6,012 |
| Average total loans | $34,884,250 | 6,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5801% | 686 |
| Cost of funding earning assets | 1.8461% | 4,532 |
| Net interest margin | 4.7340% | 758 |
| Noninterest income to average assets | 0.1343% | 7,287 |
| Noninterest expense to average assets | 2.6026% | 5,731 |
| Loan and lease loss provision to assets | 0.0829% | 6,348 |
| Net operating income to assets | 1.2756% | 1,289 |
| Return on assets (ROA) | 1.2756% | 1,373 |
| Pretax return on assets | 1.9352% | 648 |
| Return on Equity (ROE) | 8.2391% | 2,674 |
| Retained earnings to average equity (ytd only) | 5.3057% | 2,344 |
| Net charge-offs to loans | 0.0805% | 5,404 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 867 |
| Efficiency ratio | 56.3248% | 7,082 |
| Assets per employee ($millions) | 3.0481% | 6,009 |
| Cash dividends to net income (ytd only)* | 35.6037% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,710 |
| Loan loss allowance to noncurrent loans | 346.4000% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,884 |
| Noncurrent loans to loans | 0.3565% | 6,618 |
| Net loans and leases to total assets | 66.8333% | 4,391 |
| Net loans and leases to deposits | 79.2925% | 4,659 |
| Net loans and leases to core deposits | 91.0432% | 5,444 |
| Total domestic deposits to total assets | 84.2870% | 3,600 |
| Equity capital to assets | 15.3791% | 951 |
| Core capital (leverage) ratio | 16.2835% | 704 |
| Tier 1 risk-based capital ratio | 29.0098% | 668 |
| Total risk-based capital ratio | 30.2621% | 647 |
| Memoranda: | ||
| Average total assets | $50,642,000 | 6,797 |
| Average earning assets | $47,993,330 | 6,711 |
| Average equity | $7,840,670 | 6,076 |
| Average total loans | $34,803,330 | 6,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6466% | 640 |
| Cost of funding earning assets | 1.9305% | 4,487 |
| Net interest margin | 4.7161% | 745 |
| Noninterest income to average assets | 0.1279% | 7,378 |
| Noninterest expense to average assets | 2.7570% | 4,748 |
| Loan and lease loss provision to assets | 0.0559% | 6,263 |
| Net operating income to assets | 1.1667% | 1,753 |
| Return on assets (ROA) | 1.1667% | 1,869 |
| Pretax return on assets | 1.7661% | 1,046 |
| Return on Equity (ROE) | 7.5098% | 3,379 |
| Retained earnings to average equity (ytd only) | 1.5945% | 4,958 |
| Net charge-offs to loans | 0.0461% | 4,835 |
| Credit loss provision to net charge-offs | 175.0000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 670 |
| Efficiency ratio | 60.2094% | 6,372 |
| Assets per employee ($millions) | 3.1582% | 5,715 |
| Cash dividends to net income (ytd only)* | 78.7671% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,582 |
| Loan loss allowance to noncurrent loans | 7,150.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 7,602 |
| Noncurrent loans to loans | 0.0172% | 7,516 |
| Net loans and leases to total assets | 68.1265% | 4,104 |
| Net loans and leases to deposits | 81.0248% | 4,446 |
| Net loans and leases to core deposits | 93.0783% | 5,248 |
| Total domestic deposits to total assets | 84.0811% | 3,670 |
| Equity capital to assets | 15.4202% | 980 |
| Core capital (leverage) ratio | 14.9232% | 988 |
| Tier 1 risk-based capital ratio | 28.3521% | 729 |
| Total risk-based capital ratio | 29.6074% | 713 |
| Memoranda: | ||
| Average total assets | $50,054,500 | 6,863 |
| Average earning assets | $47,242,000 | 6,781 |
| Average equity | $7,776,500 | 6,131 |
| Average total loans | $34,673,000 | 6,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8163% | 1,620 |
| Cost of funding earning assets | 2.3039% | 5,130 |
| Net interest margin | 4.5124% | 1,390 |
| Noninterest income to average assets | 0.1118% | 7,568 |
| Noninterest expense to average assets | 2.7579% | 5,017 |
| Loan and lease loss provision to assets | 0.0863% | 6,300 |
| Net operating income to assets | 1.0455% | 2,378 |
| Return on assets (ROA) | 1.0455% | 2,271 |
| Pretax return on assets | 1.5359% | 1,576 |
| Return on Equity (ROE) | 7.0915% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.5615% | 1,736 |
| Net charge-offs to loans | 0.0839% | 5,560 |
| Credit loss provision to net charge-offs | 157.1429% | 3,308 |
| Earnings coverage of net charge-offs (x) | 29.5357% | 1,180 |
| Efficiency ratio | 62.9646% | 5,785 |
| Assets per employee ($millions) | 3.5413% | 4,565 |
| Cash dividends to net income (ytd only)* | 21.5760% | 4,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,273 |
| Loan loss allowance to noncurrent loans | 1,936.3636% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 7,407 |
| Noncurrent loans to loans | 0.0638% | 7,245 |
| Net loans and leases to total assets | 68.7119% | 4,316 |
| Net loans and leases to deposits | 81.8599% | 4,749 |
| Net loans and leases to core deposits | 94.3238% | 5,420 |
| Total domestic deposits to total assets | 83.9384% | 3,355 |
| Equity capital to assets | 15.6541% | 1,012 |
| Core capital (leverage) ratio | 15.3641% | 950 |
| Tier 1 risk-based capital ratio | 28.7583% | 713 |
| Total risk-based capital ratio | 30.0107% | 703 |
| Memoranda: | ||
| Average total assets | $50,980,000 | 6,734 |
| Average earning assets | $48,222,400 | 6,662 |
| Average equity | $7,516,000 | 6,273 |
| Average total loans | $33,391,800 | 6,516 |