Home > Farmers-Merchants Bank of Illinois > Performance and Condition Ratios
Farmers-Merchants Bank of Illinois, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5584% | 333 |
| Cost of funding earning assets | 3.2233% | 109 |
| Net interest margin | 3.3351% | 2,546 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.1985% | 4,463 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.7092% | 722 |
| Return on assets (ROA) | 1.7092% | 690 |
| Pretax return on assets | 2.1510% | 527 |
| Return on Equity (ROE) | 12.7400% | 1,788 |
| Retained earnings to average equity (ytd only) | 12.7358% | 538 |
| Net charge-offs to loans | 0.0076% | 2,395 |
| Credit loss provision to net charge-offs | -400.0000% | 4,528 |
| Earnings coverage of net charge-offs (x) | 326.6818% | 410 |
| Efficiency ratio | 33.8626% | 4,464 |
| Assets per employee ($millions) | 9.5562% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3274% | 4,416 |
| Loan loss allowance to noncurrent loans | 106.6427% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 2,254 |
| Noncurrent loans to loans | 0.3070% | 2,084 |
| Net loans and leases to total assets | 63.0800% | 2,562 |
| Net loans and leases to deposits | 76.4892% | 2,404 |
| Net loans and leases to core deposits | 87.3362% | 2,224 |
| Total domestic deposits to total assets | 82.4700% | 3,034 |
| Equity capital to assets | 16.7856% | 399 |
| Core capital (leverage) ratio | 11.4864% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1008% | 600 |
| Memoranda: | ||
| Average total assets | $335,662,200 | 2,246 |
| Average earning assets | $316,540,800 | 2,218 |
| Average equity | $45,046,400 | 1,731 |
| Average total loans | $289,747,600 | 1,830 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2055% | 417 |
| Cost of funding earning assets | 3.0477% | 108 |
| Net interest margin | 3.1578% | 3,011 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.1869% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5770% | 969 |
| Return on assets (ROA) | 1.5770% | 962 |
| Pretax return on assets | 1.9679% | 784 |
| Return on Equity (ROE) | 12.3900% | 2,030 |
| Retained earnings to average equity (ytd only) | 12.3912% | 903 |
| Net charge-offs to loans | 0.0093% | 2,061 |
| Credit loss provision to net charge-offs | -104.5455% | 4,526 |
| Earnings coverage of net charge-offs (x) | 233.3636% | 537 |
| Efficiency ratio | 35.2934% | 4,459 |
| Assets per employee ($millions) | 12.2424% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1963% | 4,466 |
| Loan loss allowance to noncurrent loans | 143.9825% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,730 |
| Noncurrent loans to loans | 0.1364% | 2,876 |
| Net loans and leases to total assets | 91.0700% | 27 |
| Net loans and leases to deposits | 135.2300% | 31 |
| Net loans and leases to core deposits | 152.2777% | 137 |
| Total domestic deposits to total assets | 67.3400% | 4,380 |
| Equity capital to assets | 12.6307% | 884 |
| Core capital (leverage) ratio | 10.6105% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2035% | 2,785 |
| Memoranda: | ||
| Average total assets | $347,906,000 | 2,211 |
| Average earning assets | $328,452,750 | 2,190 |
| Average equity | $44,277,500 | 1,738 |
| Average total loans | $316,824,000 | 1,732 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0652% | 412 |
| Cost of funding earning assets | 2.8732% | 104 |
| Net interest margin | 3.1920% | 3,010 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.2763% | 4,482 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5452% | 1,026 |
| Return on assets (ROA) | 1.5452% | 1,021 |
| Pretax return on assets | 1.8790% | 894 |
| Return on Equity (ROE) | 12.1100% | 2,122 |
| Retained earnings to average equity (ytd only) | 12.1082% | 964 |
| Net charge-offs to loans | 0.0006% | 2,419 |
| Credit loss provision to net charge-offs | 2,200.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 3,251.0000% | 32 |
| Efficiency ratio | 37.7716% | 4,436 |
| Assets per employee ($millions) | 11.6758% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2256% | 4,496 |
| Loan loss allowance to noncurrent loans | 142.9980% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,532 |
| Noncurrent loans to loans | 0.1578% | 2,685 |
| Net loans and leases to total assets | 91.5500% | 22 |
| Net loans and leases to deposits | 141.1502% | 29 |
| Net loans and leases to core deposits | 159.7844% | 101 |
| Total domestic deposits to total assets | 64.8600% | 4,443 |
| Equity capital to assets | 12.8211% | 858 |
| Core capital (leverage) ratio | 10.6427% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2737% | 2,804 |
| Memoranda: | ||
| Average total assets | $341,450,333 | 2,236 |
| Average earning assets | $321,804,000 | 2,216 |
| Average equity | $43,573,667 | 1,761 |
| Average total loans | $310,720,000 | 1,742 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9118% | 349 |
| Cost of funding earning assets | 2.6110% | 80 |
| Net interest margin | 3.3007% | 2,871 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.3423% | 4,516 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4360% | 1,317 |
| Return on assets (ROA) | 1.4360% | 1,288 |
| Pretax return on assets | 1.9131% | 895 |
| Return on Equity (ROE) | 11.2800% | 2,415 |
| Retained earnings to average equity (ytd only) | 11.2805% | 1,406 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.6594% | 4,475 |
| Assets per employee ($millions) | 10.5934% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2389% | 4,554 |
| Loan loss allowance to noncurrent loans | 44.2563% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 1,058 |
| Noncurrent loans to loans | 0.5399% | 1,370 |
| Net loans and leases to total assets | 90.1600% | 31 |
| Net loans and leases to deposits | 141.8534% | 23 |
| Net loans and leases to core deposits | 157.2760% | 100 |
| Total domestic deposits to total assets | 63.5600% | 4,519 |
| Equity capital to assets | 12.8470% | 800 |
| Core capital (leverage) ratio | 10.5821% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3935% | 2,885 |
| Memoranda: | ||
| Average total assets | $337,038,000 | 2,281 |
| Average earning assets | $316,655,500 | 2,270 |
| Average equity | $42,906,000 | 1,801 |
| Average total loans | $305,385,000 | 1,771 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 1,287 |
| Cost of funding earning assets | 1.0649% | 134 |
| Net interest margin | 3.1148% | 3,133 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.2729% | 4,569 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.5057% | 869 |
| Return on assets (ROA) | 1.5057% | 836 |
| Pretax return on assets | 1.9759% | 504 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 11.8699% | 696 |
| Net charge-offs to loans | 0.0175% | 1,756 |
| Credit loss provision to net charge-offs | -566.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | 118.5200% | 893 |
| Efficiency ratio | 37.2620% | 4,591 |
| Assets per employee ($millions) | 10.8092% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2313% | 4,573 |
| Loan loss allowance to noncurrent loans | 167.6190% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,651 |
| Noncurrent loans to loans | 0.1380% | 2,825 |
| Net loans and leases to total assets | 90.6300% | 26 |
| Net loans and leases to deposits | 159.6495% | 13 |
| Net loans and leases to core deposits | 169.2835% | 54 |
| Total domestic deposits to total assets | 56.7700% | 4,591 |
| Equity capital to assets | 12.6123% | 781 |
| Core capital (leverage) ratio | 10.7239% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2600% | 2,928 |
| Memoranda: | ||
| Average total assets | $314,333,800 | 2,381 |
| Average earning assets | $295,622,600 | 2,361 |
| Average equity | $39,873,800 | 1,919 |
| Average total loans | $285,391,200 | 1,789 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 1,591 |
| Cost of funding earning assets | 0.7506% | 199 |
| Net interest margin | 3.1087% | 2,906 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.3008% | 4,577 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.4940% | 866 |
| Return on assets (ROA) | 1.4940% | 846 |
| Pretax return on assets | 1.9636% | 506 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 11.7590% | 848 |
| Net charge-offs to loans | 0.0233% | 1,364 |
| Credit loss provision to net charge-offs | -430.6122% | 4,690 |
| Earnings coverage of net charge-offs (x) | 88.4694% | 1,002 |
| Efficiency ratio | 37.8180% | 4,619 |
| Assets per employee ($millions) | 9.6634% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2694% | 4,600 |
| Loan loss allowance to noncurrent loans | 207.2000% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 2,792 |
| Noncurrent loans to loans | 0.1300% | 2,986 |
| Net loans and leases to total assets | 90.2100% | 25 |
| Net loans and leases to deposits | 146.2519% | 15 |
| Net loans and leases to core deposits | 170.0520% | 39 |
| Total domestic deposits to total assets | 61.6800% | 4,615 |
| Equity capital to assets | 12.8454% | 701 |
| Core capital (leverage) ratio | 10.4748% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4812% | 2,954 |
| Memoranda: | ||
| Average total assets | $309,145,750 | 2,421 |
| Average earning assets | $290,622,250 | 2,400 |
| Average equity | $39,276,750 | 1,971 |
| Average total loans | $280,638,500 | 1,804 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 2,310 |
| Cost of funding earning assets | 0.4629% | 648 |
| Net interest margin | 2.9824% | 2,932 |
| Noninterest income to average assets | 0.2746% | 3,518 |
| Noninterest expense to average assets | 1.2939% | 4,595 |
| Loan and lease loss provision to assets | -0.0543% | 4,528 |
| Net operating income to assets | 1.3880% | 927 |
| Return on assets (ROA) | 1.3880% | 905 |
| Pretax return on assets | 1.8359% | 548 |
| Return on Equity (ROE) | 10.9674% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.9674% | 790 |
| Net charge-offs to loans | 0.0338% | 1,058 |
| Credit loss provision to net charge-offs | -187.2340% | 3,200 |
| Earnings coverage of net charge-offs (x) | 57.9787% | 1,096 |
| Efficiency ratio | 38.7330% | 4,642 |
| Assets per employee ($millions) | 9.7839% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 4,648 |
| Loan loss allowance to noncurrent loans | 167.6580% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,468 |
| Noncurrent loans to loans | 0.1970% | 2,720 |
| Net loans and leases to total assets | 89.7310% | 25 |
| Net loans and leases to deposits | 141.3236% | 14 |
| Net loans and leases to core deposits | 160.6643% | 39 |
| Total domestic deposits to total assets | 63.4932% | 4,669 |
| Equity capital to assets | 13.0979% | 648 |
| Core capital (leverage) ratio | 10.3342% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,897,000 | 2,458 |
| Average earning assets | $287,289,667 | 2,446 |
| Average equity | $38,714,667 | 2,052 |
| Average total loans | $278,039,000 | 1,814 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1438% | 2,846 |
| Cost of funding earning assets | 0.3533% | 1,171 |
| Net interest margin | 2.7905% | 3,172 |
| Noninterest income to average assets | 0.2318% | 3,759 |
| Noninterest expense to average assets | 1.2982% | 4,620 |
| Loan and lease loss provision to assets | -0.0065% | 4,409 |
| Net operating income to assets | 1.1914% | 1,269 |
| Return on assets (ROA) | 1.1914% | 1,264 |
| Pretax return on assets | 1.5729% | 875 |
| Return on Equity (ROE) | 9.5789% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.5789% | 1,127 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7273% | 4,608 |
| Assets per employee ($millions) | 9.2560% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3677% | 4,660 |
| Loan loss allowance to noncurrent loans | 158.7326% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,368 |
| Noncurrent loans to loans | 0.2317% | 2,665 |
| Net loans and leases to total assets | 91.0934% | 9 |
| Net loans and leases to deposits | 131.7008% | 18 |
| Net loans and leases to core deposits | 157.5073% | 36 |
| Total domestic deposits to total assets | 69.1669% | 4,664 |
| Equity capital to assets | 12.6198% | 777 |
| Core capital (leverage) ratio | 10.0513% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,195,500 | 2,464 |
| Average earning assets | $289,837,500 | 2,444 |
| Average equity | $38,209,000 | 2,122 |
| Average total loans | $280,530,500 | 1,790 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 2,725 |
| Cost of funding earning assets | 0.4402% | 1,261 |
| Net interest margin | 3.0377% | 3,081 |
| Noninterest income to average assets | 0.3337% | 3,416 |
| Noninterest expense to average assets | 1.2878% | 4,683 |
| Loan and lease loss provision to assets | 0.0621% | 1,826 |
| Net operating income to assets | 1.3849% | 1,333 |
| Return on assets (ROA) | 1.4373% | 1,240 |
| Pretax return on assets | 1.9031% | 719 |
| Return on Equity (ROE) | 11.5211% | 1,978 |
| Retained earnings to average equity (ytd only) | 11.5211% | 615 |
| Net charge-offs to loans | 0.0031% | 2,504 |
| Credit loss provision to net charge-offs | 2,237.5000% | 288 |
| Earnings coverage of net charge-offs (x) | 684.3750% | 215 |
| Efficiency ratio | 36.5150% | 4,745 |
| Assets per employee ($millions) | 10.2981% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3091% | 4,725 |
| Loan loss allowance to noncurrent loans | 135.0388% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 2,516 |
| Noncurrent loans to loans | 0.2289% | 2,812 |
| Net loans and leases to total assets | 90.9294% | 13 |
| Net loans and leases to deposits | 133.3612% | 21 |
| Net loans and leases to core deposits | 162.8729% | 39 |
| Total domestic deposits to total assets | 68.1828% | 4,707 |
| Equity capital to assets | 12.2582% | 1,148 |
| Core capital (leverage) ratio | 9.6532% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,321,800 | 2,493 |
| Average earning assets | $270,798,600 | 2,480 |
| Average equity | $35,968,800 | 2,245 |
| Average total loans | $258,990,800 | 1,884 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 2,801 |
| Cost of funding earning assets | 0.4634% | 1,269 |
| Net interest margin | 3.0475% | 3,185 |
| Noninterest income to average assets | 0.3607% | 3,294 |
| Noninterest expense to average assets | 1.3259% | 4,733 |
| Loan and lease loss provision to assets | 0.0173% | 2,660 |
| Net operating income to assets | 1.4036% | 1,532 |
| Return on assets (ROA) | 1.4036% | 1,590 |
| Pretax return on assets | 1.8754% | 990 |
| Return on Equity (ROE) | 11.1981% | 2,309 |
| Retained earnings to average equity (ytd only) | 11.1981% | 1,013 |
| Net charge-offs to loans | 0.0042% | 2,193 |
| Credit loss provision to net charge-offs | 462.5000% | 796 |
| Earnings coverage of net charge-offs (x) | 502.5000% | 299 |
| Efficiency ratio | 37.1416% | 4,793 |
| Assets per employee ($millions) | 10.4208% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2660% | 4,828 |
| Loan loss allowance to noncurrent loans | 78.4715% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 2,230 |
| Noncurrent loans to loans | 0.3390% | 2,568 |
| Net loans and leases to total assets | 90.4442% | 15 |
| Net loans and leases to deposits | 133.1816% | 21 |
| Net loans and leases to core deposits | 152.0700% | 57 |
| Total domestic deposits to total assets | 67.9104% | 4,778 |
| Equity capital to assets | 12.2249% | 1,298 |
| Core capital (leverage) ratio | 9.6001% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,166,500 | 2,540 |
| Average earning assets | $265,565,000 | 2,536 |
| Average equity | $35,493,250 | 2,297 |
| Average total loans | $253,290,750 | 1,941 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 2,538 |
| Cost of funding earning assets | 0.4991% | 1,210 |
| Net interest margin | 3.1288% | 2,957 |
| Noninterest income to average assets | 0.3974% | 3,118 |
| Noninterest expense to average assets | 1.3937% | 4,724 |
| Loan and lease loss provision to assets | -0.0506% | 4,520 |
| Net operating income to assets | 1.4818% | 1,349 |
| Return on assets (ROA) | 1.4818% | 1,406 |
| Pretax return on assets | 1.9847% | 863 |
| Return on Equity (ROE) | 11.7168% | 2,157 |
| Retained earnings to average equity (ytd only) | 11.7168% | 974 |
| Net charge-offs to loans | 0.0081% | 1,836 |
| Credit loss provision to net charge-offs | -700.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | 267.7000% | 408 |
| Efficiency ratio | 37.8637% | 4,806 |
| Assets per employee ($millions) | 9.5448% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2422% | 4,866 |
| Loan loss allowance to noncurrent loans | 70.0565% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 2,372 |
| Noncurrent loans to loans | 0.3458% | 2,663 |
| Net loans and leases to total assets | 89.1729% | 22 |
| Net loans and leases to deposits | 120.2096% | 55 |
| Net loans and leases to core deposits | 142.1512% | 82 |
| Total domestic deposits to total assets | 74.1811% | 4,647 |
| Equity capital to assets | 12.5922% | 1,093 |
| Core capital (leverage) ratio | 9.6081% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,820,667 | 2,570 |
| Average earning assets | $259,270,000 | 2,559 |
| Average equity | $35,009,667 | 2,311 |
| Average total loans | $246,369,333 | 1,991 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 2,597 |
| Cost of funding earning assets | 0.5340% | 1,187 |
| Net interest margin | 3.0797% | 3,055 |
| Noninterest income to average assets | 0.4528% | 2,820 |
| Noninterest expense to average assets | 1.4717% | 4,679 |
| Loan and lease loss provision to assets | 0.0059% | 2,690 |
| Net operating income to assets | 1.3879% | 1,603 |
| Return on assets (ROA) | 1.3879% | 1,684 |
| Pretax return on assets | 1.8584% | 1,183 |
| Return on Equity (ROE) | 10.9494% | 2,380 |
| Retained earnings to average equity (ytd only) | 10.9494% | 1,412 |
| Net charge-offs to loans | 0.0083% | 1,611 |
| Credit loss provision to net charge-offs | 80.0000% | 1,208 |
| Earnings coverage of net charge-offs (x) | 253.6000% | 341 |
| Efficiency ratio | 40.0617% | 4,739 |
| Assets per employee ($millions) | 9.2230% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2722% | 4,891 |
| Loan loss allowance to noncurrent loans | 68.4985% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 2,376 |
| Noncurrent loans to loans | 0.3973% | 2,677 |
| Net loans and leases to total assets | 89.4524% | 26 |
| Net loans and leases to deposits | 121.0290% | 65 |
| Net loans and leases to core deposits | 145.5077% | 81 |
| Total domestic deposits to total assets | 73.9099% | 4,678 |
| Equity capital to assets | 12.2261% | 1,185 |
| Core capital (leverage) ratio | 9.6145% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,058,500 | 2,584 |
| Average earning assets | $254,697,500 | 2,577 |
| Average equity | $34,486,000 | 2,333 |
| Average total loans | $241,573,000 | 2,018 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 3,263 |
| Cost of funding earning assets | 0.7574% | 1,411 |
| Net interest margin | 3.0556% | 3,739 |
| Noninterest income to average assets | 0.3472% | 3,383 |
| Noninterest expense to average assets | 1.6712% | 4,648 |
| Loan and lease loss provision to assets | 0.1734% | 2,224 |
| Net operating income to assets | 1.0172% | 2,227 |
| Return on assets (ROA) | 1.1628% | 1,791 |
| Pretax return on assets | 1.5154% | 1,285 |
| Return on Equity (ROE) | 8.4940% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.4940% | 910 |
| Net charge-offs to loans | 0.0831% | 1,636 |
| Credit loss provision to net charge-offs | 244.1176% | 1,963 |
| Earnings coverage of net charge-offs (x) | 21.1824% | 1,909 |
| Efficiency ratio | 47.3490% | 4,660 |
| Assets per employee ($millions) | 8.0689% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3088% | 4,895 |
| Loan loss allowance to noncurrent loans | 69.0335% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 2,416 |
| Noncurrent loans to loans | 0.4473% | 2,627 |
| Net loans and leases to total assets | 87.5246% | 55 |
| Net loans and leases to deposits | 117.2967% | 89 |
| Net loans and leases to core deposits | 139.7393% | 120 |
| Total domestic deposits to total assets | 74.6181% | 4,604 |
| Equity capital to assets | 13.1741% | 1,034 |
| Core capital (leverage) ratio | 9.7927% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,343,800 | 2,663 |
| Average earning assets | $221,557,400 | 2,664 |
| Average equity | $32,764,400 | 2,345 |
| Average total loans | $204,642,200 | 2,197 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 3,253 |
| Cost of funding earning assets | 0.8183% | 1,406 |
| Net interest margin | 3.0820% | 3,779 |
| Noninterest income to average assets | 0.3506% | 3,361 |
| Noninterest expense to average assets | 1.6997% | 4,628 |
| Loan and lease loss provision to assets | 0.0972% | 3,109 |
| Net operating income to assets | 1.0698% | 2,079 |
| Return on assets (ROA) | 1.2678% | 1,544 |
| Pretax return on assets | 1.6508% | 1,067 |
| Return on Equity (ROE) | 9.1663% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.1663% | 942 |
| Net charge-offs to loans | 0.0288% | 2,258 |
| Credit loss provision to net charge-offs | 397.6744% | 1,464 |
| Earnings coverage of net charge-offs (x) | 61.2791% | 1,087 |
| Efficiency ratio | 47.7248% | 4,625 |
| Assets per employee ($millions) | 7.3584% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2638% | 4,945 |
| Loan loss allowance to noncurrent loans | 44.7957% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,140 |
| Noncurrent loans to loans | 0.5889% | 2,328 |
| Net loans and leases to total assets | 87.7994% | 82 |
| Net loans and leases to deposits | 122.4278% | 94 |
| Net loans and leases to core deposits | 147.6676% | 126 |
| Total domestic deposits to total assets | 71.7152% | 4,688 |
| Equity capital to assets | 13.3881% | 1,033 |
| Core capital (leverage) ratio | 9.4716% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,628,750 | 2,677 |
| Average earning assets | $216,694,000 | 2,683 |
| Average equity | $32,451,500 | 2,346 |
| Average total loans | $199,129,750 | 2,241 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,433 |
| Cost of funding earning assets | 0.9070% | 1,344 |
| Net interest margin | 3.0523% | 4,006 |
| Noninterest income to average assets | 0.4219% | 2,962 |
| Noninterest expense to average assets | 1.7477% | 4,631 |
| Loan and lease loss provision to assets | 0.1229% | 2,802 |
| Net operating income to assets | 1.0347% | 2,206 |
| Return on assets (ROA) | 1.0347% | 2,338 |
| Pretax return on assets | 1.3616% | 1,832 |
| Return on Equity (ROE) | 7.3948% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.3948% | 1,506 |
| Net charge-offs to loans | 0.0354% | 2,031 |
| Credit loss provision to net charge-offs | 414.7059% | 1,379 |
| Earnings coverage of net charge-offs (x) | 50.0882% | 1,105 |
| Efficiency ratio | 48.5707% | 4,588 |
| Assets per employee ($millions) | 7.5441% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2459% | 4,979 |
| Loan loss allowance to noncurrent loans | 38.8122% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 2,101 |
| Noncurrent loans to loans | 0.6336% | 2,279 |
| Net loans and leases to total assets | 86.3424% | 123 |
| Net loans and leases to deposits | 128.1647% | 55 |
| Net loans and leases to core deposits | 153.3890% | 92 |
| Total domestic deposits to total assets | 67.3683% | 4,855 |
| Equity capital to assets | 12.4226% | 1,415 |
| Core capital (leverage) ratio | 9.5299% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,443,667 | 2,684 |
| Average earning assets | $211,251,000 | 2,706 |
| Average equity | $32,103,667 | 2,355 |
| Average total loans | $192,092,667 | 2,281 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,888 |
| Cost of funding earning assets | 1.0773% | 1,111 |
| Net interest margin | 3.2360% | 3,762 |
| Noninterest income to average assets | 0.6109% | 1,994 |
| Noninterest expense to average assets | 1.9798% | 4,438 |
| Loan and lease loss provision to assets | 0.1150% | 2,244 |
| Net operating income to assets | 1.1238% | 1,774 |
| Return on assets (ROA) | 1.1238% | 1,871 |
| Pretax return on assets | 1.4726% | 1,378 |
| Return on Equity (ROE) | 7.5075% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.5075% | 1,375 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1057% | 4,660 |
| Assets per employee ($millions) | 6.1173% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2789% | 5,003 |
| Loan loss allowance to noncurrent loans | 41.2000% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,211 |
| Noncurrent loans to loans | 0.6770% | 2,299 |
| Net loans and leases to total assets | 83.6137% | 292 |
| Net loans and leases to deposits | 108.6246% | 210 |
| Net loans and leases to core deposits | 128.9741% | 286 |
| Total domestic deposits to total assets | 76.9749% | 4,354 |
| Equity capital to assets | 14.5849% | 865 |
| Core capital (leverage) ratio | 10.7474% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,143,500 | 2,773 |
| Average earning assets | $193,819,500 | 2,794 |
| Average equity | $31,755,000 | 2,367 |
| Average total loans | $173,867,000 | 2,429 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 2,820 |
| Cost of funding earning assets | 0.8755% | 2,306 |
| Net interest margin | 3.6610% | 2,924 |
| Noninterest income to average assets | 0.7698% | 1,544 |
| Noninterest expense to average assets | 2.2296% | 4,109 |
| Loan and lease loss provision to assets | 0.1752% | 1,190 |
| Net operating income to assets | 1.3995% | 1,345 |
| Return on assets (ROA) | 1.6204% | 856 |
| Pretax return on assets | 1.9146% | 725 |
| Return on Equity (ROE) | 10.0057% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.0057% | 488 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2604% | 4,770 |
| Assets per employee ($millions) | 5.8305% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 5,052 |
| Loan loss allowance to noncurrent loans | 28.0420% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 1,630 |
| Noncurrent loans to loans | 0.9927% | 1,534 |
| Net loans and leases to total assets | 79.6948% | 827 |
| Net loans and leases to deposits | 99.6678% | 628 |
| Net loans and leases to core deposits | 112.6278% | 732 |
| Total domestic deposits to total assets | 79.9604% | 3,990 |
| Equity capital to assets | 15.3828% | 710 |
| Core capital (leverage) ratio | 11.6524% | 1,998 |
| Tier 1 risk-based capital ratio | 12.7899% | 3,901 |
| Total risk-based capital ratio | 13.0628% | 4,341 |
| Memoranda: | ||
| Average total assets | $183,169,800 | 2,977 |
| Average earning assets | $164,598,800 | 3,043 |
| Average equity | $29,663,200 | 2,416 |
| Average total loans | $128,103,400 | 2,843 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 2,640 |
| Cost of funding earning assets | 0.8250% | 2,595 |
| Net interest margin | 3.8000% | 2,599 |
| Noninterest income to average assets | 0.5237% | 2,588 |
| Noninterest expense to average assets | 2.3040% | 3,938 |
| Loan and lease loss provision to assets | 0.2615% | 602 |
| Net operating income to assets | 1.0303% | 2,858 |
| Return on assets (ROA) | 1.1037% | 2,646 |
| Pretax return on assets | 1.4506% | 2,116 |
| Return on Equity (ROE) | 6.7187% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.7187% | 1,999 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6738% | 4,544 |
| Assets per employee ($millions) | 5.6225% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3309% | 5,103 |
| Loan loss allowance to noncurrent loans | 27.9420% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 1,500 |
| Noncurrent loans to loans | 1.1842% | 1,324 |
| Net loans and leases to total assets | 75.9445% | 1,494 |
| Net loans and leases to deposits | 98.9221% | 727 |
| Net loans and leases to core deposits | 105.3479% | 1,231 |
| Total domestic deposits to total assets | 76.7720% | 4,545 |
| Equity capital to assets | 15.8276% | 668 |
| Core capital (leverage) ratio | 11.4955% | 2,223 |
| Tier 1 risk-based capital ratio | 13.9084% | 3,373 |
| Total risk-based capital ratio | 14.2492% | 3,748 |
| Memoranda: | ||
| Average total assets | $177,945,750 | 3,068 |
| Average earning assets | $159,188,250 | 3,119 |
| Average equity | $29,231,250 | 2,448 |
| Average total loans | $119,358,250 | 2,977 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 2,375 |
| Cost of funding earning assets | 0.7635% | 2,833 |
| Net interest margin | 3.9314% | 2,148 |
| Noninterest income to average assets | 0.4045% | 3,249 |
| Noninterest expense to average assets | 2.4836% | 3,533 |
| Loan and lease loss provision to assets | 0.3227% | 413 |
| Net operating income to assets | 0.8298% | 3,544 |
| Return on assets (ROA) | 0.9427% | 3,184 |
| Pretax return on assets | 1.2481% | 2,755 |
| Return on Equity (ROE) | 5.6630% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.6630% | 2,442 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2186% | 4,104 |
| Assets per employee ($millions) | 4.6972% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3235% | 5,157 |
| Loan loss allowance to noncurrent loans | 42.3156% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,056 |
| Noncurrent loans to loans | 0.7645% | 2,070 |
| Net loans and leases to total assets | 73.2161% | 2,021 |
| Net loans and leases to deposits | 96.5704% | 975 |
| Net loans and leases to core deposits | 101.7707% | 1,577 |
| Total domestic deposits to total assets | 75.8163% | 4,691 |
| Equity capital to assets | 16.9556% | 475 |
| Core capital (leverage) ratio | 11.6520% | 2,059 |
| Tier 1 risk-based capital ratio | 15.2331% | 2,740 |
| Total risk-based capital ratio | 15.5658% | 3,079 |
| Memoranda: | ||
| Average total assets | $173,539,000 | 3,123 |
| Average earning assets | $154,806,000 | 3,183 |
| Average equity | $28,889,330 | 2,457 |
| Average total loans | $110,590,330 | 3,126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 2,458 |
| Cost of funding earning assets | 0.6752% | 3,175 |
| Net interest margin | 3.9478% | 2,028 |
| Noninterest income to average assets | 0.4316% | 2,965 |
| Noninterest expense to average assets | 1.8997% | 4,800 |
| Loan and lease loss provision to assets | 0.6532% | 154 |
| Net operating income to assets | 1.0518% | 2,654 |
| Return on assets (ROA) | 1.2834% | 1,804 |
| Pretax return on assets | 1.6942% | 1,224 |
| Return on Equity (ROE) | 7.7960% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.7960% | 1,739 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0823% | 5,130 |
| Assets per employee ($millions) | 4.6828% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 5,214 |
| Loan loss allowance to noncurrent loans | 52.3270% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,387 |
| Noncurrent loans to loans | 0.6735% | 2,330 |
| Net loans and leases to total assets | 67.8843% | 2,768 |
| Net loans and leases to deposits | 87.4881% | 1,940 |
| Net loans and leases to core deposits | 91.7021% | 2,328 |
| Total domestic deposits to total assets | 77.5926% | 4,579 |
| Equity capital to assets | 16.6428% | 485 |
| Core capital (leverage) ratio | 11.8838% | 1,844 |
| Tier 1 risk-based capital ratio | 15.3628% | 2,720 |
| Total risk-based capital ratio | 15.7014% | 3,049 |
| Memoranda: | ||
| Average total assets | $173,292,500 | 3,158 |
| Average earning assets | $154,618,500 | 3,217 |
| Average equity | $28,527,500 | 2,483 |
| Average total loans | $102,056,000 | 3,291 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 647 |
| Cost of funding earning assets | 0.7910% | 1,570 |
| Net interest margin | 4.4507% | 836 |
| Noninterest income to average assets | 0.3550% | 3,724 |
| Noninterest expense to average assets | 3.1565% | 1,655 |
| Loan and lease loss provision to assets | 0.1845% | 1,053 |
| Net operating income to assets | 0.8390% | 3,652 |
| Return on assets (ROA) | 0.8390% | 3,651 |
| Pretax return on assets | 1.0720% | 3,366 |
| Return on Equity (ROE) | 6.0865% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,151 |
| Net charge-offs to loans | 0.0463% | 2,509 |
| Credit loss provision to net charge-offs | 604.5455% | 571 |
| Earnings coverage of net charge-offs (x) | 41.1818% | 1,281 |
| Efficiency ratio | 68.8561% | 2,412 |
| Assets per employee ($millions) | 4.9520% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1545% | 5,332 |
| Loan loss allowance to noncurrent loans | 12.4299% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,195 |
| Noncurrent loans to loans | 1.2431% | 1,282 |
| Net loans and leases to total assets | 49.5866% | 4,551 |
| Net loans and leases to deposits | 64.5414% | 4,220 |
| Net loans and leases to core deposits | 68.3995% | 4,216 |
| Total domestic deposits to total assets | 76.8291% | 4,652 |
| Equity capital to assets | 16.2814% | 491 |
| Core capital (leverage) ratio | 10.7882% | 2,746 |
| Tier 1 risk-based capital ratio | 18.4204% | 1,640 |
| Total risk-based capital ratio | 18.5612% | 1,905 |
| Memoranda: | ||
| Average total assets | $72,105,400 | 4,552 |
| Average earning assets | $65,742,600 | 4,563 |
| Average equity | $9,940,000 | 4,305 |
| Average total loans | $47,487,200 | 4,364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 592 |
| Cost of funding earning assets | 0.8785% | 1,005 |
| Net interest margin | 4.3496% | 1,010 |
| Noninterest income to average assets | 0.5185% | 2,752 |
| Noninterest expense to average assets | 3.1337% | 1,680 |
| Loan and lease loss provision to assets | 0.3020% | 487 |
| Net operating income to assets | 0.8518% | 3,732 |
| Return on assets (ROA) | 0.8518% | 3,739 |
| Pretax return on assets | 1.1310% | 3,275 |
| Return on Equity (ROE) | 7.4235% | 3,775 |
| Retained earnings to average equity (ytd only) | 7.4235% | 1,915 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6213% | 2,423 |
| Assets per employee ($millions) | 3.5252% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2846% | 5,362 |
| Loan loss allowance to noncurrent loans | 33.2288% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 2,115 |
| Noncurrent loans to loans | 0.8564% | 1,989 |
| Net loans and leases to total assets | 81.0443% | 864 |
| Net loans and leases to deposits | 97.3450% | 1,010 |
| Net loans and leases to core deposits | 108.7011% | 1,116 |
| Total domestic deposits to total assets | 83.2548% | 3,217 |
| Equity capital to assets | 12.5666% | 1,542 |
| Core capital (leverage) ratio | 9.3033% | 4,395 |
| Tier 1 risk-based capital ratio | 12.1516% | 4,409 |
| Total risk-based capital ratio | 12.4464% | 4,848 |
| Memoranda: | ||
| Average total assets | $46,801,500 | 5,053 |
| Average earning assets | $43,558,750 | 5,037 |
| Average equity | $5,370,250 | 5,047 |
| Average total loans | $37,839,750 | 4,663 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 561 |
| Cost of funding earning assets | 0.8394% | 969 |
| Net interest margin | 4.3476% | 943 |
| Noninterest income to average assets | 0.4499% | 3,152 |
| Noninterest expense to average assets | 2.8052% | 2,645 |
| Loan and lease loss provision to assets | 0.3522% | 367 |
| Net operating income to assets | 0.9676% | 3,153 |
| Return on assets (ROA) | 0.9676% | 3,156 |
| Pretax return on assets | 1.3368% | 2,375 |
| Return on Equity (ROE) | 8.7012% | 3,172 |
| Retained earnings to average equity (ytd only) | 8.7012% | 1,324 |
| Net charge-offs to loans | 0.2051% | 774 |
| Credit loss provision to net charge-offs | 212.8205% | 1,251 |
| Earnings coverage of net charge-offs (x) | 10.2051% | 2,345 |
| Efficiency ratio | 62.4174% | 3,573 |
| Assets per employee ($millions) | 3.8203% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1018% | 5,476 |
| Loan loss allowance to noncurrent loans | 13.0178% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 2,065 |
| Noncurrent loans to loans | 0.7822% | 2,167 |
| Net loans and leases to total assets | 86.9141% | 202 |
| Net loans and leases to deposits | 108.8568% | 316 |
| Net loans and leases to core deposits | 121.0222% | 541 |
| Total domestic deposits to total assets | 79.8425% | 4,263 |
| Equity capital to assets | 11.4610% | 2,229 |
| Core capital (leverage) ratio | 8.9346% | 4,742 |
| Tier 1 risk-based capital ratio | 10.3928% | 5,317 |
| Total risk-based capital ratio | 10.4992% | 5,498 |
| Memoranda: | ||
| Average total assets | $47,126,000 | 5,107 |
| Average earning assets | $43,840,670 | 5,092 |
| Average equity | $5,240,670 | 5,125 |
| Average total loans | $38,037,330 | 4,703 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 766 |
| Cost of funding earning assets | 0.7844% | 1,022 |
| Net interest margin | 4.1739% | 1,234 |
| Noninterest income to average assets | 0.4187% | 3,326 |
| Noninterest expense to average assets | 2.6430% | 3,211 |
| Loan and lease loss provision to assets | 0.3664% | 325 |
| Net operating income to assets | 0.9333% | 3,140 |
| Return on assets (ROA) | 0.9333% | 3,160 |
| Pretax return on assets | 1.3084% | 2,333 |
| Return on Equity (ROE) | 8.5344% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.5344% | 1,648 |
| Net charge-offs to loans | 0.1467% | 945 |
| Credit loss provision to net charge-offs | 323.0769% | 778 |
| Earnings coverage of net charge-offs (x) | 14.7692% | 1,694 |
| Efficiency ratio | 61.2121% | 3,914 |
| Assets per employee ($millions) | 4.0574% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0675% | 5,544 |
| Loan loss allowance to noncurrent loans | 5.1971% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 1,284 |
| Noncurrent loans to loans | 1.2985% | 1,380 |
| Net loans and leases to total assets | 88.1986% | 121 |
| Net loans and leases to deposits | 109.7725% | 266 |
| Net loans and leases to core deposits | 122.2263% | 518 |
| Total domestic deposits to total assets | 80.3467% | 4,354 |
| Equity capital to assets | 11.4420% | 2,181 |
| Core capital (leverage) ratio | 9.5546% | 4,009 |
| Tier 1 risk-based capital ratio | 10.9096% | 5,180 |
| Total risk-based capital ratio | 10.9817% | 5,512 |
| Memoranda: | ||
| Average total assets | $45,857,000 | 5,192 |
| Average earning assets | $42,838,000 | 5,166 |
| Average equity | $5,015,000 | 5,219 |
| Average total loans | $35,451,500 | 4,815 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,162 |
| Cost of funding earning assets | 0.7299% | 891 |
| Net interest margin | 3.9852% | 1,792 |
| Noninterest income to average assets | -0.3757% | 5,658 |
| Noninterest expense to average assets | 2.1593% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4068% | 4,669 |
| Return on assets (ROA) | -0.0905% | 5,416 |
| Pretax return on assets | 0.4615% | 4,993 |
| Return on Equity (ROE) | -0.9026% | 5,421 |
| Retained earnings to average equity (ytd only) | -0.9026% | 5,174 |
| Net charge-offs to loans | 0.2328% | 1,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.0263% | 3,102 |
| Efficiency ratio | 63.5495% | 3,672 |
| Assets per employee ($millions) | 3.5854% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,188 |
| Loan loss allowance to noncurrent loans | 72.0588% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 986 |
| Noncurrent loans to loans | 2.1911% | 665 |
| Net loans and leases to total assets | 63.8931% | 3,380 |
| Net loans and leases to deposits | 74.7336% | 3,453 |
| Net loans and leases to core deposits | 78.3548% | 3,559 |
| Total domestic deposits to total assets | 85.4945% | 2,654 |
| Equity capital to assets | 10.3637% | 3,318 |
| Core capital (leverage) ratio | 9.5164% | 4,024 |
| Tier 1 risk-based capital ratio | 12.1897% | 4,402 |
| Total risk-based capital ratio | 13.4399% | 4,300 |
| Memoranda: | ||
| Average total assets | $43,115,800 | 5,287 |
| Average earning assets | $40,825,600 | 5,258 |
| Average equity | $4,320,800 | 5,371 |
| Average total loans | $32,642,600 | 4,939 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 1,155 |
| Cost of funding earning assets | 0.7257% | 863 |
| Net interest margin | 3.9667% | 1,813 |
| Noninterest income to average assets | -0.5903% | 5,733 |
| Noninterest expense to average assets | 1.8514% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3505% | 5,109 |
| Return on assets (ROA) | -0.3122% | 5,603 |
| Pretax return on assets | 0.2905% | 5,318 |
| Return on Equity (ROE) | -3.1417% | 5,609 |
| Retained earnings to average equity (ytd only) | -3.1417% | 5,494 |
| Net charge-offs to loans | 0.1695% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.9771% | 2,644 |
| Efficiency ratio | 58.2685% | 4,465 |
| Assets per employee ($millions) | 3.5810% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 3,001 |
| Loan loss allowance to noncurrent loans | 91.5058% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 1,365 |
| Noncurrent loans to loans | 1.2985% | 1,472 |
| Net loans and leases to total assets | 91.7272% | 39 |
| Net loans and leases to deposits | 112.5300% | 207 |
| Net loans and leases to core deposits | 118.2699% | 643 |
| Total domestic deposits to total assets | 81.5135% | 3,915 |
| Equity capital to assets | 10.2416% | 3,648 |
| Core capital (leverage) ratio | 9.6500% | 3,989 |
| Tier 1 risk-based capital ratio | 11.0418% | 5,225 |
| Total risk-based capital ratio | 12.2919% | 5,111 |
| Memoranda: | ||
| Average total assets | $43,138,500 | 5,344 |
| Average earning assets | $40,973,250 | 5,309 |
| Average equity | $4,286,250 | 5,435 |
| Average total loans | $33,820,500 | 4,955 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,354 |
| Cost of funding earning assets | 0.7407% | 721 |
| Net interest margin | 3.8207% | 2,205 |
| Noninterest income to average assets | -1.0140% | 5,784 |
| Noninterest expense to average assets | 1.4632% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5742% | 4,413 |
| Return on assets (ROA) | -0.9770% | 5,716 |
| Pretax return on assets | -0.3982% | 5,651 |
| Return on Equity (ROE) | -9.9341% | 5,716 |
| Retained earnings to average equity (ytd only) | -9.9341% | 5,649 |
| Net charge-offs to loans | 0.0629% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.9000% | 1,623 |
| Efficiency ratio | 55.9292% | 4,835 |
| Assets per employee ($millions) | 3.5524% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,715 |
| Loan loss allowance to noncurrent loans | 108.7983% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 1,600 |
| Noncurrent loans to loans | 1.1454% | 1,710 |
| Net loans and leases to total assets | 94.2527% | 7 |
| Net loans and leases to deposits | 115.1426% | 179 |
| Net loans and leases to core deposits | 121.0393% | 514 |
| Total domestic deposits to total assets | 81.8574% | 3,927 |
| Equity capital to assets | 10.0636% | 3,837 |
| Core capital (leverage) ratio | 9.3334% | 4,322 |
| Tier 1 risk-based capital ratio | 10.8289% | 5,332 |
| Total risk-based capital ratio | 12.0783% | 5,257 |
| Memoranda: | ||
| Average total assets | $43,194,000 | 5,387 |
| Average earning assets | $41,040,000 | 5,346 |
| Average equity | $4,248,000 | 5,484 |
| Average total loans | $31,797,000 | 5,051 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3711% | 1,748 |
| Cost of funding earning assets | 0.7496% | 651 |
| Net interest margin | 3.6215% | 2,813 |
| Noninterest income to average assets | -2.3001% | 5,856 |
| Noninterest expense to average assets | 0.2484% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.0120% | 5,782 |
| Return on assets (ROA) | -1.0120% | 5,782 |
| Pretax return on assets | 0.8740% | 3,854 |
| Return on Equity (ROE) | -10.4093% | 5,779 |
| Retained earnings to average equity (ytd only) | -10.4093% | 5,586 |
| Net charge-offs to loans | 0.0146% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 564 |
| Efficiency ratio | 22.1311% | 5,829 |
| Assets per employee ($millions) | 3.5945% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 902 |
| Loan loss allowance to noncurrent loans | 69.5418% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7202% | 860 |
| Noncurrent loans to loans | 2.6386% | 579 |
| Net loans and leases to total assets | 63.9982% | 3,279 |
| Net loans and leases to deposits | 77.4052% | 3,041 |
| Net loans and leases to core deposits | 81.8994% | 3,106 |
| Total domestic deposits to total assets | 82.6796% | 3,955 |
| Equity capital to assets | 9.7116% | 4,055 |
| Core capital (leverage) ratio | 9.1946% | 4,486 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,102 |
| Total risk-based capital ratio | 15.9785% | 3,026 |
| Memoranda: | ||
| Average total assets | $43,476,500 | 5,435 |
| Average earning assets | $41,088,500 | 5,404 |
| Average equity | $4,227,000 | 5,542 |
| Average total loans | $27,352,500 | 5,234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 1,985 |
| Cost of funding earning assets | 0.7498% | 633 |
| Net interest margin | 3.5981% | 3,071 |
| Noninterest income to average assets | 0.2994% | 4,594 |
| Noninterest expense to average assets | 2.8802% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5010% | 4,634 |
| Return on assets (ROA) | 0.5375% | 4,579 |
| Pretax return on assets | 0.7688% | 4,274 |
| Return on Equity (ROE) | 5.3429% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.6232% | 4,607 |
| Net charge-offs to loans | 0.2972% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,576 |
| Efficiency ratio | 80.0757% | 1,412 |
| Assets per employee ($millions) | 3.6516% | 4,540 |
| Cash dividends to net income (ytd only)* | 69.6203% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 733 |
| Loan loss allowance to noncurrent loans | 66.9689% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 854 |
| Noncurrent loans to loans | 2.9040% | 480 |
| Net loans and leases to total assets | 59.4879% | 3,907 |
| Net loans and leases to deposits | 72.4566% | 3,662 |
| Net loans and leases to core deposits | 75.9550% | 3,752 |
| Total domestic deposits to total assets | 82.1014% | 4,048 |
| Equity capital to assets | 9.7332% | 4,020 |
| Core capital (leverage) ratio | 9.5478% | 4,023 |
| Tier 1 risk-based capital ratio | 15.1148% | 2,917 |
| Total risk-based capital ratio | 16.3684% | 2,846 |
| Memoranda: | ||
| Average total assets | $44,094,400 | 5,465 |
| Average earning assets | $40,409,800 | 5,460 |
| Average equity | $4,435,800 | 5,566 |
| Average total loans | $26,579,800 | 5,304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,899 |
| Cost of funding earning assets | 0.7531% | 624 |
| Net interest margin | 3.6334% | 2,949 |
| Noninterest income to average assets | 0.3049% | 4,587 |
| Noninterest expense to average assets | 2.9375% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4851% | 4,747 |
| Return on assets (ROA) | 0.5344% | 4,658 |
| Pretax return on assets | 0.7578% | 4,446 |
| Return on Equity (ROE) | 5.2694% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.8457% | 4,760 |
| Net charge-offs to loans | 0.4163% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.7471% | 3,528 |
| Efficiency ratio | 81.0158% | 1,298 |
| Assets per employee ($millions) | 3.6108% | 4,634 |
| Cash dividends to net income (ytd only)* | 64.9731% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 811 |
| Loan loss allowance to noncurrent loans | 83.0097% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.4263% | 1,292 |
| Noncurrent loans to loans | 2.3267% | 789 |
| Net loans and leases to total assets | 60.1154% | 3,859 |
| Net loans and leases to deposits | 72.4199% | 3,760 |
| Net loans and leases to core deposits | 75.9151% | 3,844 |
| Total domestic deposits to total assets | 83.0095% | 3,595 |
| Equity capital to assets | 10.5654% | 3,493 |
| Core capital (leverage) ratio | 9.7238% | 3,910 |
| Tier 1 risk-based capital ratio | 15.3181% | 2,906 |
| Total risk-based capital ratio | 16.5734% | 2,835 |
| Memoranda: | ||
| Average total assets | $44,163,250 | 5,516 |
| Average earning assets | $40,365,500 | 5,517 |
| Average equity | $4,478,500 | 5,619 |
| Average total loans | $26,578,750 | 5,359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,003 |
| Cost of funding earning assets | 0.7551% | 610 |
| Net interest margin | 3.5892% | 3,138 |
| Noninterest income to average assets | 0.2925% | 4,692 |
| Noninterest expense to average assets | 2.8802% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5071% | 4,651 |
| Return on assets (ROA) | 0.5265% | 4,696 |
| Pretax return on assets | 0.7336% | 4,522 |
| Return on Equity (ROE) | 5.2640% | 4,404 |
| Retained earnings to average equity (ytd only) | 0.0900% | 5,266 |
| Net charge-offs to loans | 0.3912% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.0192% | 3,179 |
| Efficiency ratio | 80.3011% | 1,461 |
| Assets per employee ($millions) | 3.6331% | 4,542 |
| Cash dividends to net income (ytd only)* | 98.2906% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 645 |
| Loan loss allowance to noncurrent loans | 75.2420% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 1,093 |
| Noncurrent loans to loans | 2.7487% | 584 |
| Net loans and leases to total assets | 59.0843% | 4,000 |
| Net loans and leases to deposits | 71.7221% | 3,812 |
| Net loans and leases to core deposits | 75.1890% | 3,894 |
| Total domestic deposits to total assets | 82.3795% | 3,881 |
| Equity capital to assets | 10.3470% | 3,802 |
| Core capital (leverage) ratio | 9.4948% | 4,215 |
| Tier 1 risk-based capital ratio | 15.0473% | 3,056 |
| Total risk-based capital ratio | 16.3059% | 2,994 |
| Memoranda: | ||
| Average total assets | $44,441,000 | 5,574 |
| Average earning assets | $40,789,000 | 5,569 |
| Average equity | $4,445,330 | 5,687 |
| Average total loans | $26,584,670 | 5,419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 2,159 |
| Cost of funding earning assets | 0.7807% | 540 |
| Net interest margin | 3.5130% | 3,416 |
| Noninterest income to average assets | 0.2675% | 4,818 |
| Noninterest expense to average assets | 2.9155% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4171% | 4,940 |
| Return on assets (ROA) | 0.4369% | 4,952 |
| Pretax return on assets | 0.5885% | 4,851 |
| Return on Equity (ROE) | 4.4419% | 4,722 |
| Retained earnings to average equity (ytd only) | -5.9830% | 5,662 |
| Net charge-offs to loans | -0.0299% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8462% | 1,172 |
| Assets per employee ($millions) | 3.6737% | 4,511 |
| Cash dividends to net income (ytd only)* | 234.6939% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 570 |
| Loan loss allowance to noncurrent loans | 110.3321% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 1,772 |
| Noncurrent loans to loans | 2.0170% | 1,059 |
| Net loans and leases to total assets | 59.5976% | 3,835 |
| Net loans and leases to deposits | 70.6036% | 3,798 |
| Net loans and leases to core deposits | 73.8877% | 3,903 |
| Total domestic deposits to total assets | 84.4116% | 3,350 |
| Equity capital to assets | 9.9628% | 4,126 |
| Core capital (leverage) ratio | 9.1271% | 4,697 |
| Tier 1 risk-based capital ratio | 14.5590% | 3,365 |
| Total risk-based capital ratio | 15.8185% | 3,297 |
| Memoranda: | ||
| Average total assets | $44,863,000 | 5,622 |
| Average earning assets | $40,991,000 | 5,615 |
| Average equity | $4,412,500 | 5,739 |
| Average total loans | $26,725,500 | 5,458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 2,456 |
| Cost of funding earning assets | 0.8285% | 426 |
| Net interest margin | 3.4026% | 3,904 |
| Noninterest income to average assets | 0.3128% | 4,654 |
| Noninterest expense to average assets | 2.6265% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5537% | 4,480 |
| Return on assets (ROA) | 0.5694% | 4,512 |
| Pretax return on assets | 0.8147% | 4,142 |
| Return on Equity (ROE) | 5.8897% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8897% | 1,848 |
| Net charge-offs to loans | 0.4946% | 543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,852 |
| Efficiency ratio | 76.8269% | 2,147 |
| Assets per employee ($millions) | 3.8035% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 556 |
| Loan loss allowance to noncurrent loans | 89.3553% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 1,404 |
| Noncurrent loans to loans | 2.5094% | 728 |
| Net loans and leases to total assets | 56.9300% | 4,208 |
| Net loans and leases to deposits | 69.8420% | 3,939 |
| Net loans and leases to core deposits | 70.3221% | 4,282 |
| Total domestic deposits to total assets | 81.5126% | 4,329 |
| Equity capital to assets | 9.7125% | 4,283 |
| Core capital (leverage) ratio | 9.2742% | 4,508 |
| Tier 1 risk-based capital ratio | 14.8300% | 3,257 |
| Total risk-based capital ratio | 16.0926% | 3,188 |
| Memoranda: | ||
| Average total assets | $44,432,200 | 5,672 |
| Average earning assets | $40,557,200 | 5,659 |
| Average equity | $4,295,600 | 5,800 |
| Average total loans | $26,688,800 | 5,497 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,474 |
| Cost of funding earning assets | 0.8318% | 421 |
| Net interest margin | 3.4002% | 3,959 |
| Noninterest income to average assets | 0.3172% | 4,669 |
| Noninterest expense to average assets | 2.6557% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5278% | 4,691 |
| Return on assets (ROA) | 0.5257% | 4,785 |
| Pretax return on assets | 0.7583% | 4,464 |
| Return on Equity (ROE) | 5.4442% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.4442% | 2,613 |
| Net charge-offs to loans | 0.6488% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.9384% | 3,758 |
| Efficiency ratio | 77.7188% | 1,987 |
| Assets per employee ($millions) | 3.6953% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2662% | 598 |
| Loan loss allowance to noncurrent loans | 92.1418% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 1,539 |
| Noncurrent loans to loans | 2.4595% | 831 |
| Net loans and leases to total assets | 58.1603% | 4,122 |
| Net loans and leases to deposits | 70.3319% | 3,946 |
| Net loans and leases to core deposits | 70.8205% | 4,293 |
| Total domestic deposits to total assets | 82.6940% | 3,920 |
| Equity capital to assets | 9.8031% | 4,387 |
| Core capital (leverage) ratio | 9.1749% | 4,769 |
| Tier 1 risk-based capital ratio | 15.1519% | 3,216 |
| Total risk-based capital ratio | 16.4142% | 3,144 |
| Memoranda: | ||
| Average total assets | $44,129,750 | 5,754 |
| Average earning assets | $40,231,500 | 5,745 |
| Average equity | $4,261,250 | 5,886 |
| Average total loans | $26,716,000 | 5,554 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 2,374 |
| Cost of funding earning assets | 0.8279% | 435 |
| Net interest margin | 3.4164% | 3,846 |
| Noninterest income to average assets | 0.3087% | 4,747 |
| Noninterest expense to average assets | 2.6782% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5258% | 4,666 |
| Return on assets (ROA) | 0.5130% | 4,822 |
| Pretax return on assets | 0.7218% | 4,592 |
| Return on Equity (ROE) | 5.3394% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.3394% | 2,646 |
| Net charge-offs to loans | 0.8052% | 268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.5093% | 3,501 |
| Efficiency ratio | 78.3533% | 2,012 |
| Assets per employee ($millions) | 3.6661% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 579 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.2684% | 1,981 |
| Noncurrent loans to loans | 2.1273% | 1,130 |
| Net loans and leases to total assets | 58.2138% | 4,072 |
| Net loans and leases to deposits | 69.3681% | 3,998 |
| Net loans and leases to core deposits | 69.8467% | 4,337 |
| Total domestic deposits to total assets | 83.9202% | 3,603 |
| Equity capital to assets | 9.6697% | 4,440 |
| Core capital (leverage) ratio | 8.9265% | 5,055 |
| Tier 1 risk-based capital ratio | 15.2002% | 3,250 |
| Total risk-based capital ratio | 16.4643% | 3,177 |
| Memoranda: | ||
| Average total assets | $44,058,670 | 5,819 |
| Average earning assets | $40,100,330 | 5,809 |
| Average equity | $4,232,670 | 5,951 |
| Average total loans | $26,825,330 | 5,597 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 2,290 |
| Cost of funding earning assets | 0.8350% | 413 |
| Net interest margin | 3.4105% | 3,803 |
| Noninterest income to average assets | 0.3084% | 4,722 |
| Noninterest expense to average assets | 2.6853% | 3,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4975% | 4,694 |
| Return on assets (ROA) | 0.4717% | 4,911 |
| Pretax return on assets | 0.6623% | 4,719 |
| Return on Equity (ROE) | 4.9266% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.9266% | 3,095 |
| Net charge-offs to loans | 0.1475% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,145 |
| Efficiency ratio | 79.3566% | 1,977 |
| Assets per employee ($millions) | 3.7608% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6430% | 436 |
| Loan loss allowance to noncurrent loans | 128.4436% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.2387% | 2,161 |
| Noncurrent loans to loans | 2.0577% | 1,260 |
| Net loans and leases to total assets | 58.6053% | 3,861 |
| Net loans and leases to deposits | 68.5093% | 3,911 |
| Net loans and leases to core deposits | 68.5093% | 4,286 |
| Total domestic deposits to total assets | 85.5437% | 3,155 |
| Equity capital to assets | 9.4263% | 4,834 |
| Core capital (leverage) ratio | 8.8069% | 5,194 |
| Tier 1 risk-based capital ratio | 13.7072% | 4,215 |
| Total risk-based capital ratio | 14.9728% | 4,111 |
| Memoranda: | ||
| Average total assets | $44,091,500 | 5,866 |
| Average earning assets | $39,759,500 | 5,875 |
| Average equity | $4,222,000 | 6,011 |
| Average total loans | $27,123,000 | 5,633 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 1,983 |
| Cost of funding earning assets | 0.9469% | 294 |
| Net interest margin | 3.5250% | 3,700 |
| Noninterest income to average assets | 0.4167% | 4,066 |
| Noninterest expense to average assets | 2.7439% | 3,700 |
| Loan and lease loss provision to assets | 0.7632% | 163 |
| Net operating income to assets | 0.1142% | 5,933 |
| Return on assets (ROA) | 0.1732% | 5,865 |
| Pretax return on assets | 0.1779% | 5,906 |
| Return on Equity (ROE) | 1.7922% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.7922% | 4,915 |
| Net charge-offs to loans | 0.7192% | 510 |
| Credit loss provision to net charge-offs | 168.9119% | 1,447 |
| Earnings coverage of net charge-offs (x) | 1.9482% | 4,298 |
| Efficiency ratio | 75.7106% | 2,558 |
| Assets per employee ($millions) | 3.3118% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6883% | 429 |
| Loan loss allowance to noncurrent loans | 136.0748% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 2,271 |
| Noncurrent loans to loans | 1.9756% | 1,413 |
| Net loans and leases to total assets | 61.2069% | 3,613 |
| Net loans and leases to deposits | 71.8586% | 3,698 |
| Net loans and leases to core deposits | 74.3965% | 3,886 |
| Total domestic deposits to total assets | 85.1768% | 3,216 |
| Equity capital to assets | 9.7320% | 4,429 |
| Core capital (leverage) ratio | 9.0603% | 4,890 |
| Tier 1 risk-based capital ratio | 13.9232% | 4,148 |
| Total risk-based capital ratio | 15.1902% | 4,066 |
| Memoranda: | ||
| Average total assets | $42,713,200 | 5,959 |
| Average earning assets | $38,864,800 | 5,954 |
| Average equity | $4,129,000 | 6,062 |
| Average total loans | $26,834,800 | 5,705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 1,897 |
| Cost of funding earning assets | 0.9775% | 270 |
| Net interest margin | 3.5156% | 3,769 |
| Noninterest income to average assets | 0.4504% | 3,893 |
| Noninterest expense to average assets | 2.8025% | 3,449 |
| Loan and lease loss provision to assets | 0.9727% | 118 |
| Net operating income to assets | 0.0063% | 6,133 |
| Return on assets (ROA) | 0.0063% | 6,147 |
| Pretax return on assets | -0.1188% | 6,212 |
| Return on Equity (ROE) | 0.0649% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.0649% | 5,776 |
| Net charge-offs to loans | 0.1992% | 1,872 |
| Credit loss provision to net charge-offs | 777.5000% | 401 |
| Earnings coverage of net charge-offs (x) | 6.8252% | 3,020 |
| Efficiency ratio | 76.6467% | 2,393 |
| Assets per employee ($millions) | 3.2405% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2619% | 278 |
| Loan loss allowance to noncurrent loans | 103.7126% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.9821% | 1,455 |
| Noncurrent loans to loans | 3.1451% | 814 |
| Net loans and leases to total assets | 60.9671% | 3,637 |
| Net loans and leases to deposits | 71.8727% | 3,693 |
| Net loans and leases to core deposits | 71.8727% | 4,163 |
| Total domestic deposits to total assets | 84.8265% | 3,408 |
| Equity capital to assets | 9.8514% | 4,355 |
| Core capital (leverage) ratio | 8.8716% | 5,229 |
| Tier 1 risk-based capital ratio | 13.9891% | 4,226 |
| Total risk-based capital ratio | 15.2201% | 4,176 |
| Memoranda: | ||
| Average total assets | $42,628,000 | 6,034 |
| Average earning assets | $38,873,500 | 6,026 |
| Average equity | $4,113,750 | 6,136 |
| Average total loans | $26,773,500 | 5,765 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,808 |
| Cost of funding earning assets | 1.0082% | 248 |
| Net interest margin | 3.4977% | 3,797 |
| Noninterest income to average assets | 0.5187% | 3,349 |
| Noninterest expense to average assets | 2.8601% | 3,313 |
| Loan and lease loss provision to assets | 1.4534% | 60 |
| Net operating income to assets | -0.2898% | 6,369 |
| Return on assets (ROA) | -0.2898% | 6,376 |
| Pretax return on assets | -0.6169% | 6,451 |
| Return on Equity (ROE) | -3.0232% | 6,380 |
| Retained earnings to average equity (ytd only) | -3.0232% | 6,099 |
| Net charge-offs to loans | 0.1117% | 2,544 |
| Credit loss provision to net charge-offs | 2,073.3333% | 177 |
| Earnings coverage of net charge-offs (x) | 11.9333% | 2,103 |
| Efficiency ratio | 77.3704% | 2,397 |
| Assets per employee ($millions) | 3.3863% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4185% | 257 |
| Loan loss allowance to noncurrent loans | 81.2956% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 1,142 |
| Noncurrent loans to loans | 4.2050% | 552 |
| Net loans and leases to total assets | 57.1828% | 4,091 |
| Net loans and leases to deposits | 66.7985% | 4,189 |
| Net loans and leases to core deposits | 66.7985% | 4,568 |
| Total domestic deposits to total assets | 85.6049% | 3,238 |
| Equity capital to assets | 9.3181% | 4,960 |
| Core capital (leverage) ratio | 8.7231% | 5,369 |
| Tier 1 risk-based capital ratio | 13.7427% | 4,418 |
| Total risk-based capital ratio | 15.0146% | 4,358 |
| Memoranda: | ||
| Average total assets | $42,795,330 | 6,083 |
| Average earning assets | $38,883,000 | 6,077 |
| Average equity | $4,101,670 | 6,177 |
| Average total loans | $26,848,330 | 5,806 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,613 |
| Cost of funding earning assets | 1.0443% | 218 |
| Net interest margin | 3.5155% | 3,620 |
| Noninterest income to average assets | 0.6828% | 2,268 |
| Noninterest expense to average assets | 3.2146% | 2,182 |
| Loan and lease loss provision to assets | 2.8069% | 20 |
| Net operating income to assets | -1.1474% | 6,594 |
| Return on assets (ROA) | -1.1474% | 6,589 |
| Pretax return on assets | -2.1146% | 6,648 |
| Return on Equity (ROE) | -11.8006% | 6,583 |
| Retained earnings to average equity (ytd only) | -11.8006% | 6,412 |
| Net charge-offs to loans | -0.0587% | 5,879 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2816% | 1,890 |
| Assets per employee ($millions) | 3.1863% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3259% | 310 |
| Loan loss allowance to noncurrent loans | 116.9935% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.8468% | 1,881 |
| Noncurrent loans to loans | 2.8428% | 1,153 |
| Net loans and leases to total assets | 62.8048% | 3,105 |
| Net loans and leases to deposits | 74.2374% | 3,035 |
| Net loans and leases to core deposits | 74.2374% | 3,621 |
| Total domestic deposits to total assets | 84.6000% | 4,046 |
| Equity capital to assets | 9.7629% | 4,150 |
| Core capital (leverage) ratio | 8.7771% | 5,291 |
| Tier 1 risk-based capital ratio | 12.9480% | 5,034 |
| Total risk-based capital ratio | 14.2006% | 4,970 |
| Memoranda: | ||
| Average total assets | $42,182,000 | 6,165 |
| Average earning assets | $38,686,000 | 6,140 |
| Average equity | $4,101,500 | 6,224 |
| Average total loans | $27,240,500 | 5,839 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 1,142 |
| Cost of funding earning assets | 1.1163% | 263 |
| Net interest margin | 3.7598% | 2,804 |
| Noninterest income to average assets | 0.3351% | 4,933 |
| Noninterest expense to average assets | 2.5964% | 4,481 |
| Loan and lease loss provision to assets | 0.3891% | 773 |
| Net operating income to assets | 0.5403% | 4,557 |
| Return on assets (ROA) | 0.5297% | 4,721 |
| Pretax return on assets | 0.7567% | 4,311 |
| Return on Equity (ROE) | 5.9978% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.9978% | 1,971 |
| Net charge-offs to loans | 0.9784% | 607 |
| Credit loss provision to net charge-offs | 65.9341% | 3,406 |
| Earnings coverage of net charge-offs (x) | 1.9670% | 4,391 |
| Efficiency ratio | 69.1024% | 3,992 |
| Assets per employee ($millions) | 3.3032% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1581% | 1,238 |
| Loan loss allowance to noncurrent loans | 122.9339% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 3,142 |
| Noncurrent loans to loans | 1.7555% | 2,298 |
| Net loans and leases to total assets | 62.8196% | 3,232 |
| Net loans and leases to deposits | 73.7351% | 3,300 |
| Net loans and leases to core deposits | 74.2731% | 3,813 |
| Total domestic deposits to total assets | 85.1963% | 3,645 |
| Equity capital to assets | 9.6852% | 4,179 |
| Core capital (leverage) ratio | 8.4523% | 5,724 |
| Tier 1 risk-based capital ratio | 13.1616% | 4,875 |
| Total risk-based capital ratio | 14.4219% | 4,811 |
| Memoranda: | ||
| Average total assets | $46,255,800 | 6,111 |
| Average earning assets | $42,103,200 | 6,106 |
| Average equity | $4,084,800 | 6,306 |
| Average total loans | $27,902,800 | 5,851 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 1,156 |
| Cost of funding earning assets | 1.1363% | 256 |
| Net interest margin | 3.7484% | 2,854 |
| Noninterest income to average assets | 0.3370% | 4,993 |
| Noninterest expense to average assets | 2.4863% | 4,769 |
| Loan and lease loss provision to assets | 0.3823% | 810 |
| Net operating income to assets | 0.6006% | 4,345 |
| Return on assets (ROA) | 0.5890% | 4,526 |
| Pretax return on assets | 0.8609% | 4,048 |
| Return on Equity (ROE) | 6.8203% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.8203% | 1,964 |
| Net charge-offs to loans | 0.7623% | 784 |
| Credit loss provision to net charge-offs | 84.3750% | 2,741 |
| Earnings coverage of net charge-offs (x) | 2.7812% | 3,907 |
| Efficiency ratio | 66.3643% | 4,419 |
| Assets per employee ($millions) | 3.5082% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,027 |
| Loan loss allowance to noncurrent loans | 100.1511% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 2,774 |
| Noncurrent loans to loans | 2.4132% | 1,818 |
| Net loans and leases to total assets | 58.6984% | 3,890 |
| Net loans and leases to deposits | 68.2682% | 4,031 |
| Net loans and leases to core deposits | 68.7609% | 4,462 |
| Total domestic deposits to total assets | 85.9821% | 3,258 |
| Equity capital to assets | 9.0931% | 5,069 |
| Core capital (leverage) ratio | 8.1306% | 6,128 |
| Tier 1 risk-based capital ratio | 12.6444% | 5,364 |
| Total risk-based capital ratio | 13.9044% | 5,303 |
| Memoranda: | ||
| Average total assets | $47,084,250 | 6,161 |
| Average earning assets | $42,826,000 | 6,154 |
| Average equity | $4,066,250 | 6,386 |
| Average total loans | $27,985,750 | 5,908 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 1,099 |
| Cost of funding earning assets | 1.1388% | 277 |
| Net interest margin | 3.7608% | 2,718 |
| Noninterest income to average assets | 0.3279% | 5,072 |
| Noninterest expense to average assets | 2.4508% | 4,897 |
| Loan and lease loss provision to assets | 0.3783% | 853 |
| Net operating income to assets | 0.6435% | 4,093 |
| Return on assets (ROA) | 0.6264% | 4,330 |
| Pretax return on assets | 0.9164% | 3,847 |
| Return on Equity (ROE) | 7.3775% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.3775% | 1,725 |
| Net charge-offs to loans | 0.4828% | 1,366 |
| Credit loss provision to net charge-offs | 132.3529% | 1,718 |
| Earnings coverage of net charge-offs (x) | 4.6176% | 3,081 |
| Efficiency ratio | 64.9944% | 4,710 |
| Assets per employee ($millions) | 3.6203% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5425% | 942 |
| Loan loss allowance to noncurrent loans | 120.9540% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 3,258 |
| Noncurrent loans to loans | 2.1021% | 2,277 |
| Net loans and leases to total assets | 57.8255% | 4,018 |
| Net loans and leases to deposits | 66.8246% | 4,170 |
| Net loans and leases to core deposits | 67.2823% | 4,565 |
| Total domestic deposits to total assets | 86.5332% | 3,099 |
| Equity capital to assets | 8.6712% | 5,588 |
| Core capital (leverage) ratio | 7.8914% | 6,256 |
| Tier 1 risk-based capital ratio | 12.0931% | 5,740 |
| Total risk-based capital ratio | 13.3570% | 5,679 |
| Memoranda: | ||
| Average total assets | $47,577,000 | 6,196 |
| Average earning assets | $43,555,000 | 6,171 |
| Average equity | $4,039,330 | 6,442 |
| Average total loans | $28,170,000 | 5,929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 1,526 |
| Cost of funding earning assets | 1.1396% | 304 |
| Net interest margin | 3.5636% | 3,416 |
| Noninterest income to average assets | 0.3178% | 5,153 |
| Noninterest expense to average assets | 2.4669% | 4,877 |
| Loan and lease loss provision to assets | 0.3763% | 850 |
| Net operating income to assets | 0.5352% | 4,518 |
| Return on assets (ROA) | 0.5352% | 4,663 |
| Pretax return on assets | 0.7693% | 4,297 |
| Return on Equity (ROE) | 6.3705% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.3705% | 2,471 |
| Net charge-offs to loans | 0.4100% | 1,428 |
| Credit loss provision to net charge-offs | 155.1724% | 1,332 |
| Earnings coverage of net charge-offs (x) | 4.7241% | 2,491 |
| Efficiency ratio | 68.2870% | 4,257 |
| Assets per employee ($millions) | 3.7144% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4909% | 1,128 |
| Loan loss allowance to noncurrent loans | 113.5484% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 3,405 |
| Noncurrent loans to loans | 2.1937% | 2,393 |
| Net loans and leases to total assets | 57.0733% | 3,909 |
| Net loans and leases to deposits | 65.6401% | 4,103 |
| Net loans and leases to core deposits | 66.0761% | 4,522 |
| Total domestic deposits to total assets | 86.9489% | 2,991 |
| Equity capital to assets | 8.3956% | 6,106 |
| Core capital (leverage) ratio | 7.7125% | 6,345 |
| Tier 1 risk-based capital ratio | 11.5957% | 6,133 |
| Total risk-based capital ratio | 12.8558% | 6,098 |
| Memoranda: | ||
| Average total assets | $47,833,500 | 6,253 |
| Average earning assets | $44,225,000 | 6,207 |
| Average equity | $4,018,500 | 6,510 |
| Average total loans | $28,292,500 | 5,966 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 1,054 |
| Cost of funding earning assets | 1.4501% | 206 |
| Net interest margin | 3.7833% | 3,303 |
| Noninterest income to average assets | 0.3775% | 4,770 |
| Noninterest expense to average assets | 2.6100% | 4,704 |
| Loan and lease loss provision to assets | 0.3883% | 1,680 |
| Net operating income to assets | 0.7165% | 3,659 |
| Return on assets (ROA) | 0.7226% | 3,882 |
| Pretax return on assets | 0.7679% | 4,418 |
| Return on Equity (ROE) | 8.5433% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.1878% | 3,980 |
| Net charge-offs to loans | 0.4069% | 2,629 |
| Credit loss provision to net charge-offs | 163.6364% | 1,645 |
| Earnings coverage of net charge-offs (x) | 4.8455% | 3,229 |
| Efficiency ratio | 69.4205% | 3,909 |
| Assets per employee ($millions) | 3.3843% | 5,247 |
| Cash dividends to net income (ytd only)* | 62.6866% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4292% | 1,195 |
| Loan loss allowance to noncurrent loans | 87.7551% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 2,916 |
| Noncurrent loans to loans | 2.7682% | 1,908 |
| Net loans and leases to total assets | 58.3242% | 3,919 |
| Net loans and leases to deposits | 67.0956% | 4,120 |
| Net loans and leases to core deposits | 67.5417% | 4,587 |
| Total domestic deposits to total assets | 86.9270% | 2,875 |
| Equity capital to assets | 8.4065% | 6,118 |
| Core capital (leverage) ratio | 7.5019% | 6,503 |
| Tier 1 risk-based capital ratio | 11.6801% | 5,972 |
| Total risk-based capital ratio | 12.9429% | 5,926 |
| Memoranda: | ||
| Average total assets | $46,359,400 | 6,318 |
| Average earning assets | $41,445,800 | 6,319 |
| Average equity | $3,921,200 | 6,582 |
| Average total loans | $27,031,200 | 6,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3162% | 981 |
| Cost of funding earning assets | 1.5156% | 189 |
| Net interest margin | 3.8006% | 3,334 |
| Noninterest income to average assets | 0.3731% | 4,844 |
| Noninterest expense to average assets | 2.5622% | 4,874 |
| Loan and lease loss provision to assets | 0.3904% | 1,650 |
| Net operating income to assets | 0.6229% | 4,280 |
| Return on assets (ROA) | 0.6276% | 4,512 |
| Pretax return on assets | 0.7837% | 4,551 |
| Return on Equity (ROE) | 7.4078% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.6526% | 4,319 |
| Net charge-offs to loans | 0.5341% | 2,004 |
| Credit loss provision to net charge-offs | 126.1682% | 2,279 |
| Earnings coverage of net charge-offs (x) | 3.7758% | 3,518 |
| Efficiency ratio | 68.6822% | 3,934 |
| Assets per employee ($millions) | 3.3326% | 5,357 |
| Cash dividends to net income (ytd only)* | 50.6895% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4141% | 1,332 |
| Loan loss allowance to noncurrent loans | 123.0476% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 3,949 |
| Noncurrent loans to loans | 1.9620% | 2,879 |
| Net loans and leases to total assets | 55.9692% | 4,458 |
| Net loans and leases to deposits | 64.5658% | 4,652 |
| Net loans and leases to core deposits | 65.0289% | 5,051 |
| Total domestic deposits to total assets | 86.6855% | 2,862 |
| Equity capital to assets | 8.5327% | 6,234 |
| Core capital (leverage) ratio | 7.5037% | 6,620 |
| Tier 1 risk-based capital ratio | 11.9156% | 5,984 |
| Total risk-based capital ratio | 13.1761% | 5,963 |
| Memoranda: | ||
| Average total assets | $46,104,250 | 6,398 |
| Average earning assets | $40,729,750 | 6,403 |
| Average equity | $3,905,750 | 6,667 |
| Average total loans | $26,708,500 | 6,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 863 |
| Cost of funding earning assets | 1.5444% | 194 |
| Net interest margin | 3.8611% | 3,086 |
| Noninterest income to average assets | 0.3746% | 4,842 |
| Noninterest expense to average assets | 2.5653% | 4,904 |
| Loan and lease loss provision to assets | 0.3920% | 1,678 |
| Net operating income to assets | 0.6620% | 4,051 |
| Return on assets (ROA) | 0.6620% | 4,312 |
| Pretax return on assets | 0.8362% | 4,327 |
| Return on Equity (ROE) | 7.8337% | 3,330 |
| Retained earnings to average equity (ytd only) | 2.1646% | 5,109 |
| Net charge-offs to loans | 0.6819% | 1,628 |
| Credit loss provision to net charge-offs | 98.9011% | 2,806 |
| Earnings coverage of net charge-offs (x) | 3.0989% | 3,502 |
| Efficiency ratio | 67.6234% | 4,205 |
| Assets per employee ($millions) | 3.4161% | 5,180 |
| Cash dividends to net income (ytd only)* | 72.3684% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3682% | 1,463 |
| Loan loss allowance to noncurrent loans | 84.8693% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 3,332 |
| Noncurrent loans to loans | 2.7905% | 2,144 |
| Net loans and leases to total assets | 53.1856% | 4,936 |
| Net loans and leases to deposits | 60.9976% | 5,132 |
| Net loans and leases to core deposits | 61.4144% | 5,443 |
| Total domestic deposits to total assets | 87.1929% | 2,655 |
| Equity capital to assets | 8.1924% | 6,458 |
| Core capital (leverage) ratio | 7.5474% | 6,605 |
| Tier 1 risk-based capital ratio | 11.8657% | 6,017 |
| Total risk-based capital ratio | 13.0895% | 6,004 |
| Memoranda: | ||
| Average total assets | $45,920,330 | 6,436 |
| Average earning assets | $40,662,000 | 6,458 |
| Average equity | $3,880,670 | 6,718 |
| Average total loans | $26,691,670 | 6,224 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 572 |
| Cost of funding earning assets | 1.6157% | 177 |
| Net interest margin | 4.0343% | 2,355 |
| Noninterest income to average assets | 0.3736% | 4,871 |
| Noninterest expense to average assets | 2.6241% | 4,731 |
| Loan and lease loss provision to assets | 0.4003% | 1,578 |
| Net operating income to assets | 0.7116% | 3,828 |
| Return on assets (ROA) | 0.7116% | 4,043 |
| Pretax return on assets | 0.9251% | 3,949 |
| Return on Equity (ROE) | 8.2859% | 3,149 |
| Retained earnings to average equity (ytd only) | -3.1072% | 6,414 |
| Net charge-offs to loans | 0.1333% | 3,310 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 16.5556% | 1,355 |
| Efficiency ratio | 66.4414% | 4,475 |
| Assets per employee ($millions) | 3.2308% | 5,703 |
| Cash dividends to net income (ytd only)* | 137.5000% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 1,551 |
| Loan loss allowance to noncurrent loans | 86.0526% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7576% | 3,228 |
| Noncurrent loans to loans | 2.7574% | 2,357 |
| Net loans and leases to total assets | 59.4902% | 3,779 |
| Net loans and leases to deposits | 68.6096% | 3,944 |
| Net loans and leases to core deposits | 69.1083% | 4,549 |
| Total domestic deposits to total assets | 86.7082% | 3,113 |
| Equity capital to assets | 8.5030% | 6,080 |
| Core capital (leverage) ratio | 7.6715% | 6,508 |
| Tier 1 risk-based capital ratio | 10.2803% | 6,801 |
| Total risk-based capital ratio | 11.5402% | 6,803 |
| Memoranda: | ||
| Average total assets | $44,968,000 | 6,510 |
| Average earning assets | $39,858,000 | 6,534 |
| Average equity | $3,862,000 | 6,762 |
| Average total loans | $27,011,000 | 6,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8948% | 528 |
| Cost of funding earning assets | 1.7839% | 230 |
| Net interest margin | 4.1109% | 2,388 |
| Noninterest income to average assets | 0.4467% | 4,245 |
| Noninterest expense to average assets | 2.6565% | 4,898 |
| Loan and lease loss provision to assets | 0.4232% | 2,476 |
| Net operating income to assets | 0.7987% | 3,037 |
| Return on assets (ROA) | 0.8416% | 3,023 |
| Pretax return on assets | 1.1073% | 2,811 |
| Return on Equity (ROE) | 9.5564% | 2,225 |
| Retained earnings to average equity (ytd only) | 4.2176% | 3,184 |
| Net charge-offs to loans | 0.4253% | 3,302 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,770 |
| Efficiency ratio | 64.3142% | 5,069 |
| Assets per employee ($millions) | 3.1932% | 5,722 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3356% | 1,566 |
| Loan loss allowance to noncurrent loans | 69.5163% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.9886% | 2,979 |
| Noncurrent loans to loans | 3.3598% | 1,929 |
| Net loans and leases to total assets | 57.8056% | 4,406 |
| Net loans and leases to deposits | 66.8287% | 4,620 |
| Net loans and leases to core deposits | 67.3127% | 5,119 |
| Total domestic deposits to total assets | 86.4982% | 3,027 |
| Equity capital to assets | 8.6746% | 5,929 |
| Core capital (leverage) ratio | 7.6013% | 6,604 |
| Tier 1 risk-based capital ratio | 11.1042% | 6,401 |
| Total risk-based capital ratio | 12.3649% | 6,376 |
| Memoranda: | ||
| Average total assets | $42,537,200 | 6,584 |
| Average earning assets | $38,118,600 | 6,599 |
| Average equity | $3,746,200 | 6,815 |
| Average total loans | $26,802,800 | 6,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 480 |
| Cost of funding earning assets | 1.7953% | 265 |
| Net interest margin | 4.1890% | 2,148 |
| Noninterest income to average assets | 0.4413% | 4,355 |
| Noninterest expense to average assets | 2.6542% | 4,889 |
| Loan and lease loss provision to assets | 0.4286% | 2,329 |
| Net operating income to assets | 0.8453% | 2,960 |
| Return on assets (ROA) | 0.9017% | 2,876 |
| Pretax return on assets | 1.2128% | 2,588 |
| Return on Equity (ROE) | 10.1975% | 2,133 |
| Retained earnings to average equity (ytd only) | 3.0162% | 4,537 |
| Net charge-offs to loans | 0.1785% | 4,377 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 13.6942% | 1,597 |
| Efficiency ratio | 62.9044% | 5,260 |
| Assets per employee ($millions) | 3.0556% | 5,998 |
| Cash dividends to net income (ytd only)* | 70.4220% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 1,556 |
| Loan loss allowance to noncurrent loans | 67.5311% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.2534% | 2,837 |
| Noncurrent loans to loans | 3.5328% | 1,947 |
| Net loans and leases to total assets | 62.2642% | 3,653 |
| Net loans and leases to deposits | 72.3411% | 3,934 |
| Net loans and leases to core deposits | 72.9214% | 4,588 |
| Total domestic deposits to total assets | 86.0703% | 3,180 |
| Equity capital to assets | 8.9343% | 5,827 |
| Core capital (leverage) ratio | 7.9991% | 6,400 |
| Tier 1 risk-based capital ratio | 11.1048% | 6,477 |
| Total risk-based capital ratio | 12.3672% | 6,458 |
| Memoranda: | ||
| Average total assets | $41,995,250 | 6,660 |
| Average earning assets | $37,876,500 | 6,664 |
| Average equity | $3,713,250 | 6,879 |
| Average total loans | $26,888,500 | 6,362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9977% | 482 |
| Cost of funding earning assets | 1.8115% | 295 |
| Net interest margin | 4.1862% | 2,089 |
| Noninterest income to average assets | 0.4361% | 4,374 |
| Noninterest expense to average assets | 2.5782% | 5,265 |
| Loan and lease loss provision to assets | 0.4313% | 2,268 |
| Net operating income to assets | 0.9009% | 2,633 |
| Return on assets (ROA) | 0.9009% | 2,745 |
| Pretax return on assets | 1.2029% | 2,468 |
| Return on Equity (ROE) | 10.2257% | 2,041 |
| Retained earnings to average equity (ytd only) | -0.6527% | 5,992 |
| Net charge-offs to loans | 0.0449% | 5,226 |
| Credit loss provision to net charge-offs | 1,500.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 560 |
| Efficiency ratio | 61.2059% | 5,699 |
| Assets per employee ($millions) | 3.0383% | 6,001 |
| Cash dividends to net income (ytd only)* | 106.3830% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 1,709 |
| Loan loss allowance to noncurrent loans | 68.0942% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 2,990 |
| Noncurrent loans to loans | 3.4088% | 2,082 |
| Net loans and leases to total assets | 62.9208% | 3,693 |
| Net loans and leases to deposits | 72.8114% | 3,981 |
| Net loans and leases to core deposits | 73.3863% | 4,653 |
| Total domestic deposits to total assets | 86.4162% | 3,089 |
| Equity capital to assets | 8.7714% | 5,854 |
| Core capital (leverage) ratio | 7.7401% | 6,554 |
| Tier 1 risk-based capital ratio | 11.0974% | 6,448 |
| Total risk-based capital ratio | 12.3587% | 6,436 |
| Memoranda: | ||
| Average total assets | $41,734,000 | 6,726 |
| Average earning assets | $37,647,670 | 6,732 |
| Average equity | $3,677,000 | 6,936 |
| Average total loans | $26,755,670 | 6,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9895% | 485 |
| Cost of funding earning assets | 1.8355% | 332 |
| Net interest margin | 4.1540% | 2,068 |
| Noninterest income to average assets | 0.4065% | 4,660 |
| Noninterest expense to average assets | 2.5839% | 5,280 |
| Loan and lease loss provision to assets | 0.4355% | 2,024 |
| Net operating income to assets | 0.8710% | 2,700 |
| Return on assets (ROA) | 0.8710% | 2,757 |
| Pretax return on assets | 1.1323% | 2,636 |
| Return on Equity (ROE) | 9.8630% | 2,146 |
| Retained earnings to average equity (ytd only) | -12.0548% | 6,941 |
| Net charge-offs to loans | -0.1665% | 7,222 |
| Credit loss provision to net charge-offs | -409.0909% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2378% | 5,645 |
| Assets per employee ($millions) | 2.9789% | 6,183 |
| Cash dividends to net income (ytd only)* | 222.2222% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,786 |
| Loan loss allowance to noncurrent loans | 56.5581% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.5777% | 2,653 |
| Noncurrent loans to loans | 4.0445% | 1,791 |
| Net loans and leases to total assets | 62.2746% | 3,796 |
| Net loans and leases to deposits | 71.9518% | 4,084 |
| Net loans and leases to core deposits | 72.5305% | 4,721 |
| Total domestic deposits to total assets | 86.5505% | 3,205 |
| Equity capital to assets | 8.5891% | 5,785 |
| Core capital (leverage) ratio | 7.6906% | 6,565 |
| Tier 1 risk-based capital ratio | 11.1837% | 6,368 |
| Total risk-based capital ratio | 12.4446% | 6,327 |
| Memoranda: | ||
| Average total assets | $41,333,000 | 6,784 |
| Average earning assets | $37,265,000 | 6,796 |
| Average equity | $3,650,000 | 6,973 |
| Average total loans | $26,433,500 | 6,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2723% | 487 |
| Cost of funding earning assets | 2.0568% | 498 |
| Net interest margin | 4.2156% | 2,123 |
| Noninterest income to average assets | 0.4925% | 4,230 |
| Noninterest expense to average assets | 2.7743% | 4,690 |
| Loan and lease loss provision to assets | 0.4523% | 3,410 |
| Net operating income to assets | 0.8876% | 2,438 |
| Return on assets (ROA) | 0.8996% | 2,520 |
| Pretax return on assets | 1.1233% | 2,488 |
| Return on Equity (ROE) | 9.8939% | 1,968 |
| Retained earnings to average equity (ytd only) | 6.8539% | 1,385 |
| Net charge-offs to loans | 0.4362% | 3,871 |
| Credit loss provision to net charge-offs | 162.1622% | 2,144 |
| Earnings coverage of net charge-offs (x) | 5.5946% | 2,586 |
| Efficiency ratio | 64.0000% | 5,356 |
| Assets per employee ($millions) | 2.7308% | 6,640 |
| Cash dividends to net income (ytd only)* | 30.7263% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0998% | 2,074 |
| Loan loss allowance to noncurrent loans | 67.7301% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 3,361 |
| Noncurrent loans to loans | 3.1003% | 2,462 |
| Net loans and leases to total assets | 62.8290% | 4,107 |
| Net loans and leases to deposits | 73.1510% | 4,337 |
| Net loans and leases to core deposits | 73.7442% | 5,007 |
| Total domestic deposits to total assets | 85.8894% | 3,417 |
| Equity capital to assets | 9.0767% | 5,028 |
| Core capital (leverage) ratio | 7.9298% | 6,287 |
| Tier 1 risk-based capital ratio | 11.8879% | 5,581 |
| Total risk-based capital ratio | 13.1277% | 5,576 |
| Memoranda: | ||
| Average total assets | $39,793,800 | 6,873 |
| Average earning assets | $36,270,400 | 6,868 |
| Average equity | $3,618,400 | 7,103 |
| Average total loans | $25,445,600 | 6,640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3160% | 491 |
| Cost of funding earning assets | 2.1004% | 535 |
| Net interest margin | 4.2156% | 2,169 |
| Noninterest income to average assets | 0.4928% | 4,244 |
| Noninterest expense to average assets | 2.7880% | 4,542 |
| Loan and lease loss provision to assets | 0.4557% | 3,196 |
| Net operating income to assets | 0.8848% | 2,673 |
| Return on assets (ROA) | 0.9012% | 2,755 |
| Pretax return on assets | 1.1172% | 2,773 |
| Return on Equity (ROE) | 9.9065% | 2,158 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,465 |
| Net charge-offs to loans | 0.6235% | 2,879 |
| Credit loss provision to net charge-offs | 114.4068% | 3,656 |
| Earnings coverage of net charge-offs (x) | 3.8983% | 3,263 |
| Efficiency ratio | 64.2302% | 5,204 |
| Assets per employee ($millions) | 2.6967% | 6,780 |
| Cash dividends to net income (ytd only)* | 41.1978% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 2,340 |
| Loan loss allowance to noncurrent loans | 74.0741% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6687% | 3,945 |
| Noncurrent loans to loans | 2.6405% | 2,985 |
| Net loans and leases to total assets | 61.9604% | 4,539 |
| Net loans and leases to deposits | 72.0408% | 4,837 |
| Net loans and leases to core deposits | 72.6632% | 5,441 |
| Total domestic deposits to total assets | 86.0074% | 3,068 |
| Equity capital to assets | 9.1051% | 5,445 |
| Core capital (leverage) ratio | 7.7924% | 6,575 |
| Tier 1 risk-based capital ratio | 11.9833% | 5,480 |
| Total risk-based capital ratio | 13.2154% | 5,461 |
| Memoranda: | ||
| Average total assets | $39,501,750 | 6,962 |
| Average earning assets | $36,055,750 | 6,955 |
| Average equity | $3,593,500 | 7,206 |
| Average total loans | $25,235,000 | 6,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2996% | 515 |
| Cost of funding earning assets | 2.1146% | 625 |
| Net interest margin | 4.1850% | 2,198 |
| Noninterest income to average assets | 0.4900% | 4,194 |
| Noninterest expense to average assets | 2.8225% | 4,385 |
| Loan and lease loss provision to assets | 0.4594% | 3,019 |
| Net operating income to assets | 0.8684% | 2,666 |
| Return on assets (ROA) | 0.8932% | 2,695 |
| Pretax return on assets | 1.0973% | 2,794 |
| Return on Equity (ROE) | 9.8213% | 2,169 |
| Retained earnings to average equity (ytd only) | 3.6479% | 3,779 |
| Net charge-offs to loans | 0.1194% | 4,984 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 19.9333% | 1,237 |
| Efficiency ratio | 64.9061% | 5,163 |
| Assets per employee ($millions) | 2.6367% | 6,882 |
| Cash dividends to net income (ytd only)* | 62.8571% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1780% | 1,807 |
| Loan loss allowance to noncurrent loans | 69.4030% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0328% | 3,459 |
| Noncurrent loans to loans | 3.1382% | 2,555 |
| Net loans and leases to total assets | 63.3663% | 4,379 |
| Net loans and leases to deposits | 73.8247% | 4,704 |
| Net loans and leases to core deposits | 74.4674% | 5,393 |
| Total domestic deposits to total assets | 85.8335% | 3,186 |
| Equity capital to assets | 9.1148% | 5,272 |
| Core capital (leverage) ratio | 7.8408% | 6,451 |
| Tier 1 risk-based capital ratio | 11.9455% | 5,357 |
| Total risk-based capital ratio | 13.1834% | 5,343 |
| Memoranda: | ||
| Average total assets | $39,185,670 | 7,021 |
| Average earning assets | $36,129,330 | 6,997 |
| Average equity | $3,563,670 | 7,246 |
| Average total loans | $25,125,670 | 6,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 546 |
| Cost of funding earning assets | 2.1392% | 716 |
| Net interest margin | 4.1454% | 2,250 |
| Noninterest income to average assets | 0.4718% | 4,279 |
| Noninterest expense to average assets | 2.8613% | 4,220 |
| Loan and lease loss provision to assets | 0.4615% | 2,659 |
| Net operating income to assets | 0.7917% | 3,006 |
| Return on assets (ROA) | 0.8410% | 2,882 |
| Pretax return on assets | 1.0461% | 2,917 |
| Return on Equity (ROE) | 9.2577% | 2,400 |
| Retained earnings to average equity (ytd only) | -3.1612% | 6,381 |
| Net charge-offs to loans | 0.0643% | 4,764 |
| Credit loss provision to net charge-offs | 1,125.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 35.2500% | 775 |
| Efficiency ratio | 66.4286% | 5,025 |
| Assets per employee ($millions) | 2.6135% | 7,015 |
| Cash dividends to net income (ytd only)* | 134.1463% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 2,059 |
| Loan loss allowance to noncurrent loans | 74.3262% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7984% | 3,792 |
| Noncurrent loans to loans | 2.7589% | 2,894 |
| Net loans and leases to total assets | 63.8488% | 4,364 |
| Net loans and leases to deposits | 76.2645% | 4,361 |
| Net loans and leases to core deposits | 76.9515% | 5,140 |
| Total domestic deposits to total assets | 83.7202% | 4,288 |
| Equity capital to assets | 8.9817% | 5,304 |
| Core capital (leverage) ratio | 7.6262% | 6,705 |
| Tier 1 risk-based capital ratio | 11.6011% | 5,576 |
| Total risk-based capital ratio | 12.8609% | 5,535 |
| Memoranda: | ||
| Average total assets | $39,003,000 | 7,115 |
| Average earning assets | $36,088,000 | 7,089 |
| Average equity | $3,543,000 | 7,332 |
| Average total loans | $24,878,500 | 6,890 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3303% | 964 |
| Cost of funding earning assets | 2.6520% | 666 |
| Net interest margin | 3.6783% | 4,226 |
| Noninterest income to average assets | 0.5326% | 4,155 |
| Noninterest expense to average assets | 2.5857% | 5,841 |
| Loan and lease loss provision to assets | 0.6002% | 3,393 |
| Net operating income to assets | 0.5977% | 3,334 |
| Return on assets (ROA) | 0.5977% | 3,416 |
| Pretax return on assets | 0.7077% | 3,545 |
| Return on Equity (ROE) | 6.9035% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.0150% | 2,402 |
| Net charge-offs to loans | 0.6386% | 3,283 |
| Credit loss provision to net charge-offs | 155.8442% | 2,910 |
| Earnings coverage of net charge-offs (x) | 3.3961% | 3,362 |
| Efficiency ratio | 66.4098% | 5,306 |
| Assets per employee ($millions) | 2.5869% | 7,061 |
| Cash dividends to net income (ytd only)* | 41.8410% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 2,039 |
| Loan loss allowance to noncurrent loans | 70.8211% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.7576% | 3,737 |
| Noncurrent loans to loans | 2.8178% | 2,742 |
| Net loans and leases to total assets | 61.1277% | 5,170 |
| Net loans and leases to deposits | 70.1817% | 5,582 |
| Net loans and leases to core deposits | 80.2544% | 6,067 |
| Total domestic deposits to total assets | 87.0993% | 2,440 |
| Equity capital to assets | 9.1872% | 4,864 |
| Core capital (leverage) ratio | 7.7394% | 6,515 |
| Tier 1 risk-based capital ratio | 12.2806% | 4,704 |
| Total risk-based capital ratio | 13.5398% | 4,660 |
| Memoranda: | ||
| Average total assets | $39,989,400 | 7,092 |
| Average earning assets | $36,538,400 | 7,073 |
| Average equity | $3,462,000 | 7,455 |
| Average total loans | $24,113,600 | 6,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3537% | 1,021 |
| Cost of funding earning assets | 2.7412% | 706 |
| Net interest margin | 3.6125% | 4,431 |
| Noninterest income to average assets | 0.5295% | 4,240 |
| Noninterest expense to average assets | 2.5484% | 5,901 |
| Loan and lease loss provision to assets | 0.5957% | 3,008 |
| Net operating income to assets | 0.5825% | 3,667 |
| Return on assets (ROA) | 0.5825% | 3,738 |
| Pretax return on assets | 0.6785% | 3,932 |
| Return on Equity (ROE) | 6.8290% | 3,149 |
| Retained earnings to average equity (ytd only) | 2.9489% | 3,677 |
| Net charge-offs to loans | 0.7527% | 2,479 |
| Credit loss provision to net charge-offs | 132.3529% | 3,781 |
| Earnings coverage of net charge-offs (x) | 2.8309% | 3,806 |
| Efficiency ratio | 66.6667% | 5,254 |
| Assets per employee ($millions) | 2.6780% | 6,898 |
| Cash dividends to net income (ytd only)* | 56.8184% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,121 |
| Loan loss allowance to noncurrent loans | 54.5117% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 3,150 |
| Noncurrent loans to loans | 3.4207% | 2,198 |
| Net loans and leases to total assets | 61.9039% | 5,264 |
| Net loans and leases to deposits | 71.5554% | 5,724 |
| Net loans and leases to core deposits | 81.7017% | 6,213 |
| Total domestic deposits to total assets | 86.5118% | 2,419 |
| Equity capital to assets | 9.4047% | 4,875 |
| Core capital (leverage) ratio | 7.6243% | 6,833 |
| Tier 1 risk-based capital ratio | 12.1637% | 4,826 |
| Total risk-based capital ratio | 13.4216% | 4,768 |
| Memoranda: | ||
| Average total assets | $40,285,750 | 7,134 |
| Average earning assets | $36,723,000 | 7,125 |
| Average equity | $3,436,250 | 7,533 |
| Average total loans | $24,091,250 | 7,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3730% | 1,058 |
| Cost of funding earning assets | 2.8093% | 769 |
| Net interest margin | 3.5638% | 4,523 |
| Noninterest income to average assets | 0.4949% | 4,492 |
| Noninterest expense to average assets | 2.5038% | 6,115 |
| Loan and lease loss provision to assets | 0.5823% | 2,696 |
| Net operating income to assets | 0.5580% | 3,847 |
| Return on assets (ROA) | 0.5580% | 3,958 |
| Pretax return on assets | 0.6405% | 4,194 |
| Return on Equity (ROE) | 6.7521% | 3,306 |
| Retained earnings to average equity (ytd only) | 0.8807% | 4,829 |
| Net charge-offs to loans | 0.7591% | 2,158 |
| Credit loss provision to net charge-offs | 130.4348% | 3,569 |
| Earnings coverage of net charge-offs (x) | 2.7391% | 3,714 |
| Efficiency ratio | 67.1875% | 5,318 |
| Assets per employee ($millions) | 2.8125% | 6,595 |
| Cash dividends to net income (ytd only)* | 86.9565% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,031 |
| Loan loss allowance to noncurrent loans | 55.1948% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.9556% | 3,257 |
| Noncurrent loans to loans | 3.2701% | 2,165 |
| Net loans and leases to total assets | 58.7225% | 5,870 |
| Net loans and leases to deposits | 66.9388% | 6,297 |
| Net loans and leases to core deposits | 75.2204% | 6,721 |
| Total domestic deposits to total assets | 87.7257% | 1,916 |
| Equity capital to assets | 8.6806% | 5,783 |
| Core capital (leverage) ratio | 7.0341% | 7,510 |
| Tier 1 risk-based capital ratio | 11.8470% | 5,051 |
| Total risk-based capital ratio | 13.0817% | 4,988 |
| Memoranda: | ||
| Average total assets | $41,217,000 | 7,162 |
| Average earning assets | $37,376,330 | 7,161 |
| Average equity | $3,406,330 | 7,605 |
| Average total loans | $24,238,330 | 7,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4279% | 999 |
| Cost of funding earning assets | 2.8768% | 813 |
| Net interest margin | 3.5512% | 4,522 |
| Noninterest income to average assets | 0.3987% | 5,215 |
| Noninterest expense to average assets | 2.3162% | 6,484 |
| Loan and lease loss provision to assets | 0.5696% | 2,210 |
| Net operating income to assets | 0.6075% | 3,986 |
| Return on assets (ROA) | 0.6075% | 4,177 |
| Pretax return on assets | 0.7119% | 4,392 |
| Return on Equity (ROE) | 7.5283% | 3,364 |
| Retained earnings to average equity (ytd only) | -4.2347% | 6,454 |
| Net charge-offs to loans | 0.3091% | 2,872 |
| Credit loss provision to net charge-offs | 315.7895% | 1,550 |
| Earnings coverage of net charge-offs (x) | 7.1053% | 2,393 |
| Efficiency ratio | 64.3799% | 5,613 |
| Assets per employee ($millions) | 3.0296% | 6,073 |
| Cash dividends to net income (ytd only)* | 156.2500% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 1,885 |
| Loan loss allowance to noncurrent loans | 57.4803% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.7966% | 3,223 |
| Noncurrent loans to loans | 3.1070% | 2,081 |
| Net loans and leases to total assets | 56.7902% | 6,132 |
| Net loans and leases to deposits | 64.7413% | 6,489 |
| Net loans and leases to core deposits | 79.7108% | 6,404 |
| Total domestic deposits to total assets | 87.7187% | 1,876 |
| Equity capital to assets | 7.9408% | 6,898 |
| Core capital (leverage) ratio | 6.8196% | 7,755 |
| Tier 1 risk-based capital ratio | 10.9795% | 5,923 |
| Total risk-based capital ratio | 12.2302% | 5,821 |
| Memoranda: | ||
| Average total assets | $42,138,000 | 7,160 |
| Average earning assets | $37,959,500 | 7,170 |
| Average equity | $3,400,500 | 7,656 |
| Average total loans | $24,584,000 | 7,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8356% | 1,564 |
| Cost of funding earning assets | 3.3015% | 927 |
| Net interest margin | 3.5341% | 5,173 |
| Noninterest income to average assets | 0.4888% | 4,705 |
| Noninterest expense to average assets | 2.3689% | 6,506 |
| Loan and lease loss provision to assets | 0.5444% | 2,643 |
| Net operating income to assets | 0.6824% | 3,971 |
| Return on assets (ROA) | 0.6824% | 3,809 |
| Pretax return on assets | 0.8469% | 3,897 |
| Return on Equity (ROE) | 8.5579% | 2,811 |
| Retained earnings to average equity (ytd only) | 2.4885% | 3,649 |
| Net charge-offs to loans | 0.8972% | 1,382 |
| Credit loss provision to net charge-offs | 100.4464% | 5,277 |
| Earnings coverage of net charge-offs (x) | 2.5670% | 4,798 |
| Efficiency ratio | 62.9987% | 5,775 |
| Assets per employee ($millions) | 2.9901% | 6,073 |
| Cash dividends to net income (ytd only)* | 70.9220% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 2,196 |
| Loan loss allowance to noncurrent loans | 52.3057% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8131% | 2,714 |
| Noncurrent loans to loans | 3.0800% | 1,735 |
| Net loans and leases to total assets | 57.9189% | 6,207 |
| Net loans and leases to deposits | 66.2839% | 6,623 |
| Net loans and leases to core deposits | 81.8900% | 6,470 |
| Total domestic deposits to total assets | 87.3800% | 1,768 |
| Equity capital to assets | 8.2008% | 6,550 |
| Core capital (leverage) ratio | 6.8832% | 7,775 |
| Tier 1 risk-based capital ratio | 11.1362% | 5,609 |
| Total risk-based capital ratio | 12.3883% | 5,490 |
| Memoranda: | ||
| Average total assets | $41,327,400 | 7,155 |
| Average earning assets | $38,255,600 | 7,123 |
| Average equity | $3,295,200 | 7,747 |
| Average total loans | $24,965,800 | 7,025 |