Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0519% | 4,671 |
| Cost of funding earning assets | 0.3091% | 2,310 |
| Net interest margin | 1.7429% | 4,680 |
| Noninterest income to average assets | 0.3290% | 3,443 |
| Noninterest expense to average assets | 1.6505% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1220% | 4,609 |
| Return on assets (ROA) | 0.1220% | 4,618 |
| Pretax return on assets | 0.3253% | 4,466 |
| Return on Equity (ROE) | 0.7237% | 4,629 |
| Retained earnings to average equity (ytd only) | 0.7237% | 4,325 |
| Net charge-offs to loans | -0.0318% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5360% | 599 |
| Assets per employee ($millions) | 13.4400% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,766 |
| Loan loss allowance to noncurrent loans | 531.0345% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,173 |
| Noncurrent loans to loans | 0.2713% | 2,629 |
| Net loans and leases to total assets | 39.1908% | 4,137 |
| Net loans and leases to deposits | 47.1543% | 4,041 |
| Net loans and leases to core deposits | 47.9309% | 4,095 |
| Total domestic deposits to total assets | 83.1120% | 3,782 |
| Equity capital to assets | 16.8378% | 306 |
| Core capital (leverage) ratio | 16.7461% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,103,800 | 4,517 |
| Average earning assets | $51,122,400 | 4,494 |
| Average equity | $9,120,200 | 4,234 |
| Average total loans | $22,029,000 | 4,532 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0908% | 4,745 |
| Cost of funding earning assets | 0.3219% | 2,388 |
| Net interest margin | 1.7689% | 4,756 |
| Noninterest income to average assets | 0.2337% | 3,995 |
| Noninterest expense to average assets | 1.2130% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5068% | 4,187 |
| Return on assets (ROA) | 0.5068% | 4,232 |
| Pretax return on assets | 0.6840% | 4,092 |
| Return on Equity (ROE) | 3.0059% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.0059% | 3,906 |
| Net charge-offs to loans | -0.0421% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9429% | 2,395 |
| Assets per employee ($millions) | 13.2630% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,520 |
| Loan loss allowance to noncurrent loans | 513.3333% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 3,355 |
| Noncurrent loans to loans | 0.2984% | 2,724 |
| Net loans and leases to total assets | 37.3256% | 4,329 |
| Net loans and leases to deposits | 45.9326% | 4,229 |
| Net loans and leases to core deposits | 46.7172% | 4,291 |
| Total domestic deposits to total assets | 81.2618% | 4,053 |
| Equity capital to assets | 17.3660% | 312 |
| Core capital (leverage) ratio | 16.9540% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,189,750 | 4,579 |
| Average earning assets | $50,953,250 | 4,560 |
| Average equity | $9,137,250 | 4,289 |
| Average total loans | $22,192,000 | 4,587 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1271% | 4,782 |
| Cost of funding earning assets | 0.3284% | 2,507 |
| Net interest margin | 1.7986% | 4,785 |
| Noninterest income to average assets | 0.2419% | 3,951 |
| Noninterest expense to average assets | 1.1838% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5498% | 4,113 |
| Return on assets (ROA) | 0.5498% | 4,156 |
| Pretax return on assets | 0.7440% | 3,982 |
| Return on Equity (ROE) | 3.2924% | 4,429 |
| Retained earnings to average equity (ytd only) | 3.2924% | 3,742 |
| Net charge-offs to loans | -0.0612% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4068% | 2,811 |
| Assets per employee ($millions) | 13.6968% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,729 |
| Loan loss allowance to noncurrent loans | 832.4324% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,763 |
| Noncurrent loans to loans | 0.1752% | 3,338 |
| Net loans and leases to total assets | 37.9762% | 4,383 |
| Net loans and leases to deposits | 46.3633% | 4,295 |
| Net loans and leases to core deposits | 47.1161% | 4,361 |
| Total domestic deposits to total assets | 81.9099% | 3,944 |
| Equity capital to assets | 16.7394% | 343 |
| Core capital (leverage) ratio | 16.4313% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,569,000 | 4,603 |
| Average earning assets | $51,150,000 | 4,585 |
| Average equity | $9,112,000 | 4,316 |
| Average total loans | $22,886,000 | 4,612 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2085% | 4,791 |
| Cost of funding earning assets | 0.3483% | 2,535 |
| Net interest margin | 1.8602% | 4,789 |
| Noninterest income to average assets | 0.1322% | 4,541 |
| Noninterest expense to average assets | 1.1899% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4921% | 4,186 |
| Return on assets (ROA) | 0.4921% | 4,228 |
| Pretax return on assets | 0.6684% | 4,084 |
| Return on Equity (ROE) | 2.9507% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.9507% | 3,800 |
| Net charge-offs to loans | -0.0673% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0316% | 2,459 |
| Assets per employee ($millions) | 13.7123% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 2,264 |
| Loan loss allowance to noncurrent loans | 176.3006% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 2,565 |
| Noncurrent loans to loans | 0.7586% | 1,718 |
| Net loans and leases to total assets | 41.0235% | 4,290 |
| Net loans and leases to deposits | 50.3254% | 4,141 |
| Net loans and leases to core deposits | 51.1456% | 4,233 |
| Total domestic deposits to total assets | 81.5165% | 3,983 |
| Equity capital to assets | 16.6038% | 345 |
| Core capital (leverage) ratio | 16.9680% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,460,000 | 4,623 |
| Average earning assets | $50,532,500 | 4,610 |
| Average equity | $9,082,500 | 4,324 |
| Average total loans | $23,772,000 | 4,622 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0432% | 4,604 |
| Cost of funding earning assets | 0.5163% | 2,841 |
| Net interest margin | 2.5269% | 4,565 |
| Noninterest income to average assets | 0.2192% | 4,185 |
| Noninterest expense to average assets | 1.5587% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7895% | 3,132 |
| Return on assets (ROA) | 0.7895% | 3,252 |
| Pretax return on assets | 1.0148% | 2,997 |
| Return on Equity (ROE) | 4.3453% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,018 |
| Net charge-offs to loans | -0.0115% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5678% | 3,377 |
| Assets per employee ($millions) | 13.5178% | 237 |
| Cash dividends to net income (ytd only)* | 16.1954% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,857 |
| Loan loss allowance to noncurrent loans | 836.1111% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,011 |
| Noncurrent loans to loans | 0.1455% | 3,703 |
| Net loans and leases to total assets | 45.1943% | 4,181 |
| Net loans and leases to deposits | 57.8131% | 3,901 |
| Net loans and leases to core deposits | 59.1480% | 3,994 |
| Total domestic deposits to total assets | 78.1731% | 4,299 |
| Equity capital to assets | 16.7520% | 361 |
| Core capital (leverage) ratio | 17.3974% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,272,000 | 4,664 |
| Average earning assets | $45,906,200 | 4,652 |
| Average equity | $8,952,200 | 4,322 |
| Average total loans | $26,017,200 | 4,601 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 4,537 |
| Cost of funding earning assets | 0.5500% | 2,925 |
| Net interest margin | 2.6970% | 4,469 |
| Noninterest income to average assets | 0.2219% | 4,167 |
| Noninterest expense to average assets | 1.4617% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9541% | 2,502 |
| Return on assets (ROA) | 0.9541% | 2,637 |
| Pretax return on assets | 1.2897% | 2,097 |
| Return on Equity (ROE) | 5.1386% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.1386% | 2,503 |
| Net charge-offs to loans | -0.0456% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1250% | 4,242 |
| Assets per employee ($millions) | 12.3598% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,321 |
| Loan loss allowance to noncurrent loans | 558.1818% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 3,879 |
| Noncurrent loans to loans | 0.2266% | 3,491 |
| Net loans and leases to total assets | 48.4779% | 4,193 |
| Net loans and leases to deposits | 60.5090% | 4,024 |
| Net loans and leases to core deposits | 62.0023% | 4,107 |
| Total domestic deposits to total assets | 80.1169% | 3,839 |
| Equity capital to assets | 18.3924% | 276 |
| Core capital (leverage) ratio | 18.3659% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,072,250 | 4,700 |
| Average earning assets | $45,085,750 | 4,685 |
| Average equity | $8,925,750 | 4,337 |
| Average total loans | $26,337,000 | 4,620 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 4,470 |
| Cost of funding earning assets | 0.5822% | 3,068 |
| Net interest margin | 2.8754% | 4,350 |
| Noninterest income to average assets | 0.2310% | 4,102 |
| Noninterest expense to average assets | 1.4743% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0753% | 2,054 |
| Return on assets (ROA) | 1.0753% | 2,183 |
| Pretax return on assets | 1.4533% | 1,580 |
| Return on Equity (ROE) | 5.7723% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.7723% | 2,167 |
| Net charge-offs to loans | -0.0370% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3587% | 4,481 |
| Assets per employee ($millions) | 12.1823% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,493 |
| Loan loss allowance to noncurrent loans | 248.3607% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 3,308 |
| Noncurrent loans to loans | 0.4848% | 2,694 |
| Net loans and leases to total assets | 51.0210% | 4,096 |
| Net loans and leases to deposits | 64.0757% | 3,877 |
| Net loans and leases to core deposits | 65.6735% | 3,981 |
| Total domestic deposits to total assets | 79.6261% | 3,910 |
| Equity capital to assets | 18.5146% | 265 |
| Core capital (leverage) ratio | 18.6939% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,616,667 | 4,722 |
| Average earning assets | $44,655,333 | 4,708 |
| Average equity | $8,870,000 | 4,351 |
| Average total loans | $27,024,667 | 4,619 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 4,469 |
| Cost of funding earning assets | 0.6300% | 3,272 |
| Net interest margin | 3.0220% | 4,245 |
| Noninterest income to average assets | 0.2720% | 3,901 |
| Noninterest expense to average assets | 1.4789% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1900% | 1,547 |
| Return on assets (ROA) | 1.1900% | 1,664 |
| Pretax return on assets | 1.6064% | 1,035 |
| Return on Equity (ROE) | 6.3680% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.3680% | 1,760 |
| Net charge-offs to loans | -0.0859% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9339% | 4,760 |
| Assets per employee ($millions) | 11.5985% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,392 |
| Loan loss allowance to noncurrent loans | 154.3147% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,776 |
| Noncurrent loans to loans | 0.6889% | 2,271 |
| Net loans and leases to total assets | 60.9863% | 3,400 |
| Net loans and leases to deposits | 77.8848% | 2,899 |
| Net loans and leases to core deposits | 79.9627% | 3,199 |
| Total domestic deposits to total assets | 78.3032% | 4,167 |
| Equity capital to assets | 19.2072% | 277 |
| Core capital (leverage) ratio | 18.8518% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,060,500 | 4,756 |
| Average earning assets | $43,811,500 | 4,742 |
| Average equity | $8,794,000 | 4,387 |
| Average total loans | $27,954,500 | 4,635 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,538 |
| Cost of funding earning assets | 0.5900% | 3,681 |
| Net interest margin | 3.2287% | 4,130 |
| Noninterest income to average assets | 0.2533% | 4,160 |
| Noninterest expense to average assets | 1.7926% | 4,781 |
| Loan and lease loss provision to assets | 0.1610% | 1,298 |
| Net operating income to assets | 0.9833% | 2,900 |
| Return on assets (ROA) | 0.9833% | 2,981 |
| Pretax return on assets | 1.3074% | 2,489 |
| Return on Equity (ROE) | 5.4006% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.6577% | 2,613 |
| Net charge-offs to loans | -0.0613% | 4,859 |
| Credit loss provision to net charge-offs | -441.1765% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9704% | 4,324 |
| Assets per employee ($millions) | 9.5454% | 405 |
| Cash dividends to net income (ytd only)* | 13.7555% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,003 |
| Loan loss allowance to noncurrent loans | 320.4301% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,679 |
| Noncurrent loans to loans | 0.3405% | 3,223 |
| Net loans and leases to total assets | 56.5990% | 3,879 |
| Net loans and leases to deposits | 72.0693% | 3,518 |
| Net loans and leases to core deposits | 73.4069% | 3,767 |
| Total domestic deposits to total assets | 78.5342% | 4,273 |
| Equity capital to assets | 18.1805% | 353 |
| Core capital (leverage) ratio | 18.6403% | 299 |
| Tier 1 risk-based capital ratio | 27.4156% | 596 |
| Total risk-based capital ratio | 28.3619% | 598 |
| Memoranda: | ||
| Average total assets | $46,580,200 | 4,805 |
| Average earning assets | $43,392,200 | 4,795 |
| Average equity | $8,480,600 | 4,451 |
| Average total loans | $27,738,800 | 4,690 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,615 |
| Cost of funding earning assets | 0.5802% | 3,774 |
| Net interest margin | 3.2652% | 4,158 |
| Noninterest income to average assets | 0.2679% | 4,136 |
| Noninterest expense to average assets | 1.6388% | 4,981 |
| Loan and lease loss provision to assets | 0.1440% | 1,334 |
| Net operating income to assets | 1.1348% | 2,434 |
| Return on assets (ROA) | 1.1348% | 2,522 |
| Pretax return on assets | 1.5322% | 1,862 |
| Return on Equity (ROE) | 6.2304% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.2304% | 2,263 |
| Net charge-offs to loans | -0.0958% | 4,982 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4353% | 4,774 |
| Assets per employee ($millions) | 9.1474% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,522 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,581 |
| Noncurrent loans to loans | 0.3511% | 3,283 |
| Net loans and leases to total assets | 59.1862% | 3,750 |
| Net loans and leases to deposits | 74.8100% | 3,403 |
| Net loans and leases to core deposits | 76.2492% | 3,678 |
| Total domestic deposits to total assets | 79.1154% | 4,164 |
| Equity capital to assets | 18.9693% | 313 |
| Core capital (leverage) ratio | 18.8576% | 300 |
| Tier 1 risk-based capital ratio | 27.7116% | 591 |
| Total risk-based capital ratio | 28.5976% | 604 |
| Memoranda: | ||
| Average total assets | $46,293,500 | 4,882 |
| Average earning assets | $43,202,500 | 4,866 |
| Average equity | $8,431,500 | 4,505 |
| Average total loans | $27,845,750 | 4,753 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,732 |
| Cost of funding earning assets | 0.5538% | 3,866 |
| Net interest margin | 3.2307% | 4,290 |
| Noninterest income to average assets | 0.2668% | 4,153 |
| Noninterest expense to average assets | 1.5878% | 5,070 |
| Loan and lease loss provision to assets | 0.2152% | 781 |
| Net operating income to assets | 1.0930% | 2,554 |
| Return on assets (ROA) | 1.0930% | 2,623 |
| Pretax return on assets | 1.4759% | 1,938 |
| Return on Equity (ROE) | 6.0838% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0838% | 2,244 |
| Net charge-offs to loans | -0.1142% | 5,025 |
| Credit loss provision to net charge-offs | -312.5000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4252% | 4,870 |
| Assets per employee ($millions) | 9.1994% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,678 |
| Loan loss allowance to noncurrent loans | 269.3069% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,545 |
| Noncurrent loans to loans | 0.3675% | 3,206 |
| Net loans and leases to total assets | 59.1517% | 3,812 |
| Net loans and leases to deposits | 74.5833% | 3,470 |
| Net loans and leases to core deposits | 75.2600% | 3,790 |
| Total domestic deposits to total assets | 79.3095% | 4,160 |
| Equity capital to assets | 18.5295% | 330 |
| Core capital (leverage) ratio | 18.9044% | 286 |
| Tier 1 risk-based capital ratio | 27.2622% | 602 |
| Total risk-based capital ratio | 28.1353% | 619 |
| Memoranda: | ||
| Average total assets | $46,479,000 | 4,920 |
| Average earning assets | $43,334,000 | 4,908 |
| Average equity | $8,350,000 | 4,535 |
| Average total loans | $28,012,330 | 4,789 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 4,813 |
| Cost of funding earning assets | 0.5410% | 3,866 |
| Net interest margin | 3.1816% | 4,425 |
| Noninterest income to average assets | 0.3082% | 3,813 |
| Noninterest expense to average assets | 1.5668% | 5,125 |
| Loan and lease loss provision to assets | 0.2140% | 729 |
| Net operating income to assets | 1.1130% | 2,419 |
| Return on assets (ROA) | 1.1130% | 2,467 |
| Pretax return on assets | 1.4983% | 1,780 |
| Return on Equity (ROE) | 6.2927% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2927% | 2,321 |
| Net charge-offs to loans | -0.2546% | 5,197 |
| Credit loss provision to net charge-offs | -138.8889% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7807% | 4,951 |
| Assets per employee ($millions) | 9.1902% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,284 |
| Loan loss allowance to noncurrent loans | 167.1141% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,153 |
| Noncurrent loans to loans | 0.5183% | 2,760 |
| Net loans and leases to total assets | 62.0204% | 3,498 |
| Net loans and leases to deposits | 78.7265% | 2,979 |
| Net loans and leases to core deposits | 79.4464% | 3,415 |
| Total domestic deposits to total assets | 78.7796% | 4,389 |
| Equity capital to assets | 18.1541% | 342 |
| Core capital (leverage) ratio | 18.4930% | 308 |
| Tier 1 risk-based capital ratio | 25.4276% | 731 |
| Total risk-based capital ratio | 26.1842% | 751 |
| Memoranda: | ||
| Average total assets | $46,720,000 | 4,962 |
| Average earning assets | $43,626,000 | 4,951 |
| Average equity | $8,263,500 | 4,579 |
| Average total loans | $28,278,500 | 4,831 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 5,005 |
| Cost of funding earning assets | 0.4792% | 3,492 |
| Net interest margin | 2.9243% | 4,882 |
| Noninterest income to average assets | 0.2648% | 4,344 |
| Noninterest expense to average assets | 1.8387% | 4,963 |
| Loan and lease loss provision to assets | 0.1628% | 1,247 |
| Net operating income to assets | 0.7772% | 3,889 |
| Return on assets (ROA) | 0.7772% | 3,892 |
| Pretax return on assets | 0.9921% | 3,632 |
| Return on Equity (ROE) | 4.4422% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.6605% | 3,565 |
| Net charge-offs to loans | 0.4829% | 374 |
| Credit loss provision to net charge-offs | 55.1471% | 3,142 |
| Earnings coverage of net charge-offs (x) | 3.9118% | 3,367 |
| Efficiency ratio | 61.4213% | 3,638 |
| Assets per employee ($millions) | 9.4978% | 398 |
| Cash dividends to net income (ytd only)* | 17.5978% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 4,706 |
| Loan loss allowance to noncurrent loans | 110.1604% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 2,842 |
| Noncurrent loans to loans | 0.6724% | 2,314 |
| Net loans and leases to total assets | 58.1250% | 3,948 |
| Net loans and leases to deposits | 74.0086% | 3,498 |
| Net loans and leases to core deposits | 74.6027% | 3,813 |
| Total domestic deposits to total assets | 78.5382% | 4,405 |
| Equity capital to assets | 17.2356% | 402 |
| Core capital (leverage) ratio | 18.3337% | 307 |
| Tier 1 risk-based capital ratio | 25.0319% | 742 |
| Total risk-based capital ratio | 25.6578% | 765 |
| Memoranda: | ||
| Average total assets | $46,065,400 | 5,017 |
| Average earning assets | $42,984,200 | 4,992 |
| Average equity | $8,059,000 | 4,599 |
| Average total loans | $28,164,800 | 4,862 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,077 |
| Cost of funding earning assets | 0.4756% | 3,357 |
| Net interest margin | 2.8818% | 4,999 |
| Noninterest income to average assets | 0.2654% | 4,378 |
| Noninterest expense to average assets | 1.6568% | 5,169 |
| Loan and lease loss provision to assets | 0.0729% | 2,495 |
| Net operating income to assets | 0.9042% | 3,504 |
| Return on assets (ROA) | 0.9042% | 3,511 |
| Pretax return on assets | 1.2222% | 2,903 |
| Return on Equity (ROE) | 5.1488% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.1488% | 3,160 |
| Net charge-offs to loans | 0.0095% | 3,083 |
| Credit loss provision to net charge-offs | 1,250.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 221.7191% | 408 |
| Efficiency ratio | 56.1265% | 4,376 |
| Assets per employee ($millions) | 9.0090% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,363 |
| Loan loss allowance to noncurrent loans | 72.8643% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 1,602 |
| Noncurrent loans to loans | 1.4664% | 1,110 |
| Net loans and leases to total assets | 59.6093% | 3,891 |
| Net loans and leases to deposits | 74.7689% | 3,524 |
| Net loans and leases to core deposits | 75.3924% | 3,847 |
| Total domestic deposits to total assets | 79.7247% | 4,171 |
| Equity capital to assets | 18.0997% | 328 |
| Core capital (leverage) ratio | 18.6490% | 284 |
| Tier 1 risk-based capital ratio | 25.7751% | 694 |
| Total risk-based capital ratio | 26.6806% | 701 |
| Memoranda: | ||
| Average total assets | $45,709,500 | 5,080 |
| Average earning assets | $42,611,250 | 5,058 |
| Average equity | $8,027,500 | 4,650 |
| Average total loans | $28,253,750 | 4,914 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,167 |
| Cost of funding earning assets | 0.4528% | 3,334 |
| Net interest margin | 2.8146% | 5,103 |
| Noninterest income to average assets | 0.2700% | 4,382 |
| Noninterest expense to average assets | 1.5197% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0189% | 2,930 |
| Return on assets (ROA) | 1.0189% | 2,938 |
| Pretax return on assets | 1.3760% | 2,243 |
| Return on Equity (ROE) | 5.8605% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.8605% | 2,635 |
| Net charge-offs to loans | 0.0419% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 1,092 |
| Efficiency ratio | 52.4812% | 4,839 |
| Assets per employee ($millions) | 9.1924% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,260 |
| Loan loss allowance to noncurrent loans | 42.3701% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3772% | 1,014 |
| Noncurrent loans to loans | 2.1657% | 653 |
| Net loans and leases to total assets | 61.3180% | 3,671 |
| Net loans and leases to deposits | 79.3641% | 3,016 |
| Net loans and leases to core deposits | 80.0290% | 3,419 |
| Total domestic deposits to total assets | 77.2617% | 4,700 |
| Equity capital to assets | 17.5971% | 358 |
| Core capital (leverage) ratio | 18.5707% | 291 |
| Tier 1 risk-based capital ratio | 25.0498% | 728 |
| Total risk-based capital ratio | 25.8492% | 752 |
| Memoranda: | ||
| Average total assets | $45,931,000 | 5,127 |
| Average earning assets | $42,847,330 | 5,110 |
| Average equity | $7,985,670 | 4,695 |
| Average total loans | $28,624,670 | 4,958 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,225 |
| Cost of funding earning assets | 0.4223% | 3,425 |
| Net interest margin | 2.7869% | 5,168 |
| Noninterest income to average assets | 0.2788% | 4,307 |
| Noninterest expense to average assets | 1.4984% | 5,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9757% | 2,962 |
| Return on assets (ROA) | 0.9757% | 2,990 |
| Pretax return on assets | 1.3677% | 2,115 |
| Return on Equity (ROE) | 5.6462% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.6462% | 2,873 |
| Net charge-offs to loans | 0.1393% | 977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.7000% | 1,656 |
| Efficiency ratio | 52.2796% | 4,937 |
| Assets per employee ($millions) | 9.1938% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,545 |
| Loan loss allowance to noncurrent loans | 41.5858% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 1,058 |
| Noncurrent loans to loans | 2.1081% | 734 |
| Net loans and leases to total assets | 63.2143% | 3,408 |
| Net loans and leases to deposits | 82.6385% | 2,532 |
| Net loans and leases to core deposits | 83.3376% | 3,025 |
| Total domestic deposits to total assets | 76.4950% | 4,923 |
| Equity capital to assets | 17.3486% | 370 |
| Core capital (leverage) ratio | 18.2814% | 296 |
| Tier 1 risk-based capital ratio | 23.6324% | 874 |
| Total risk-based capital ratio | 24.3862% | 902 |
| Memoranda: | ||
| Average total assets | $45,915,500 | 5,190 |
| Average earning assets | $42,628,500 | 5,170 |
| Average equity | $7,934,500 | 4,757 |
| Average total loans | $28,715,000 | 4,998 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 5,275 |
| Cost of funding earning assets | 0.3737% | 3,479 |
| Net interest margin | 2.7390% | 5,237 |
| Noninterest income to average assets | 0.2924% | 4,367 |
| Noninterest expense to average assets | 1.6247% | 5,393 |
| Loan and lease loss provision to assets | 0.0542% | 3,150 |
| Net operating income to assets | 0.6239% | 3,915 |
| Return on assets (ROA) | 0.6239% | 3,955 |
| Pretax return on assets | 1.1698% | 2,895 |
| Return on Equity (ROE) | 3.6647% | 4,621 |
| Retained earnings to average equity (ytd only) | 2.8630% | 3,601 |
| Net charge-offs to loans | 0.2910% | 900 |
| Credit loss provision to net charge-offs | 32.8947% | 3,511 |
| Earnings coverage of net charge-offs (x) | 7.4342% | 3,043 |
| Efficiency ratio | 57.0342% | 4,651 |
| Assets per employee ($millions) | 9.1724% | 429 |
| Cash dividends to net income (ytd only)* | 21.8750% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,209 |
| Loan loss allowance to noncurrent loans | 49.6283% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 1,217 |
| Noncurrent loans to loans | 1.9136% | 809 |
| Net loans and leases to total assets | 60.7191% | 3,763 |
| Net loans and leases to deposits | 78.0290% | 3,109 |
| Net loans and leases to core deposits | 78.6772% | 3,534 |
| Total domestic deposits to total assets | 77.8161% | 4,743 |
| Equity capital to assets | 17.2125% | 380 |
| Core capital (leverage) ratio | 17.9841% | 290 |
| Tier 1 risk-based capital ratio | 23.7625% | 836 |
| Total risk-based capital ratio | 24.5611% | 868 |
| Memoranda: | ||
| Average total assets | $46,162,200 | 5,224 |
| Average earning assets | $43,081,000 | 5,207 |
| Average equity | $7,858,800 | 4,807 |
| Average total loans | $26,114,400 | 5,126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 5,330 |
| Cost of funding earning assets | 0.3603% | 3,563 |
| Net interest margin | 2.7435% | 5,288 |
| Noninterest income to average assets | 0.2941% | 4,430 |
| Noninterest expense to average assets | 1.5139% | 5,507 |
| Loan and lease loss provision to assets | 0.0721% | 2,636 |
| Net operating income to assets | 0.8305% | 3,387 |
| Return on assets (ROA) | 0.8305% | 3,422 |
| Pretax return on assets | 1.2774% | 2,601 |
| Return on Equity (ROE) | 4.8916% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.8916% | 2,953 |
| Net charge-offs to loans | 0.2238% | 966 |
| Credit loss provision to net charge-offs | 58.1395% | 2,828 |
| Earnings coverage of net charge-offs (x) | 10.8840% | 2,545 |
| Efficiency ratio | 52.8701% | 5,032 |
| Assets per employee ($millions) | 8.7168% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,255 |
| Loan loss allowance to noncurrent loans | 217.3913% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,608 |
| Noncurrent loans to loans | 0.5241% | 3,129 |
| Net loans and leases to total assets | 59.7238% | 3,899 |
| Net loans and leases to deposits | 74.9798% | 3,474 |
| Net loans and leases to core deposits | 75.6202% | 3,828 |
| Total domestic deposits to total assets | 79.6531% | 4,404 |
| Equity capital to assets | 18.3278% | 309 |
| Core capital (leverage) ratio | 17.8539% | 314 |
| Tier 1 risk-based capital ratio | 25.3829% | 713 |
| Total risk-based capital ratio | 26.3362% | 723 |
| Memoranda: | ||
| Average total assets | $46,237,250 | 5,285 |
| Average earning assets | $43,302,000 | 5,258 |
| Average equity | $7,850,000 | 4,855 |
| Average total loans | $25,614,500 | 5,192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9967% | 5,439 |
| Cost of funding earning assets | 0.3390% | 3,704 |
| Net interest margin | 2.6577% | 5,402 |
| Noninterest income to average assets | 0.2844% | 4,521 |
| Noninterest expense to average assets | 1.4813% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8446% | 3,184 |
| Return on assets (ROA) | 0.8446% | 3,226 |
| Pretax return on assets | 1.2988% | 2,388 |
| Return on Equity (ROE) | 5.0999% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.0999% | 2,638 |
| Net charge-offs to loans | -0.0079% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2824% | 5,075 |
| Assets per employee ($millions) | 9.0770% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,784 |
| Loan loss allowance to noncurrent loans | 166.1458% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 3,273 |
| Noncurrent loans to loans | 0.7441% | 2,538 |
| Net loans and leases to total assets | 56.1529% | 4,215 |
| Net loans and leases to deposits | 70.2511% | 3,898 |
| Net loans and leases to core deposits | 70.8212% | 4,177 |
| Total domestic deposits to total assets | 79.9317% | 4,431 |
| Equity capital to assets | 17.4132% | 371 |
| Core capital (leverage) ratio | 17.4498% | 331 |
| Tier 1 risk-based capital ratio | 24.9125% | 759 |
| Total risk-based capital ratio | 25.9181% | 765 |
| Memoranda: | ||
| Average total assets | $47,121,670 | 5,305 |
| Average earning assets | $44,248,330 | 5,284 |
| Average equity | $7,804,000 | 4,889 |
| Average total loans | $25,376,000 | 5,240 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9611% | 5,496 |
| Cost of funding earning assets | 0.3005% | 4,041 |
| Net interest margin | 2.6606% | 5,431 |
| Noninterest income to average assets | 0.2834% | 4,520 |
| Noninterest expense to average assets | 1.4503% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8752% | 2,881 |
| Return on assets (ROA) | 0.8752% | 2,935 |
| Pretax return on assets | 1.3419% | 2,090 |
| Return on Equity (ROE) | 5.4162% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.4162% | 2,655 |
| Net charge-offs to loans | -0.0159% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9403% | 5,269 |
| Assets per employee ($millions) | 9.3332% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,894 |
| Loan loss allowance to noncurrent loans | 116.0000% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 2,755 |
| Noncurrent loans to loans | 1.0678% | 1,922 |
| Net loans and leases to total assets | 54.5044% | 4,300 |
| Net loans and leases to deposits | 67.9444% | 3,995 |
| Net loans and leases to core deposits | 68.4786% | 4,260 |
| Total domestic deposits to total assets | 80.2190% | 4,579 |
| Equity capital to assets | 16.7317% | 407 |
| Core capital (leverage) ratio | 16.7188% | 388 |
| Tier 1 risk-based capital ratio | 25.6724% | 711 |
| Total risk-based capital ratio | 26.7212% | 716 |
| Memoranda: | ||
| Average total assets | $47,990,000 | 5,353 |
| Average earning assets | $45,253,500 | 5,308 |
| Average equity | $7,754,500 | 4,938 |
| Average total loans | $25,162,000 | 5,294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7478% | 5,669 |
| Cost of funding earning assets | 0.3208% | 3,838 |
| Net interest margin | 2.4269% | 5,626 |
| Noninterest income to average assets | 0.2459% | 4,951 |
| Noninterest expense to average assets | 1.6396% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6019% | 4,199 |
| Return on assets (ROA) | 0.6019% | 4,307 |
| Pretax return on assets | 0.8910% | 3,879 |
| Return on Equity (ROE) | 3.6556% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.9480% | 3,797 |
| Net charge-offs to loans | 0.0359% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 45.8889% | 1,065 |
| Efficiency ratio | 64.7911% | 3,801 |
| Assets per employee ($millions) | 9.8628% | 317 |
| Cash dividends to net income (ytd only)* | 19.3548% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,578 |
| Loan loss allowance to noncurrent loans | 49.5327% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 1,298 |
| Noncurrent loans to loans | 2.6129% | 586 |
| Net loans and leases to total assets | 49.1787% | 4,822 |
| Net loans and leases to deposits | 60.3449% | 4,648 |
| Net loans and leases to core deposits | 60.3449% | 4,846 |
| Total domestic deposits to total assets | 81.4961% | 4,208 |
| Equity capital to assets | 15.6163% | 545 |
| Core capital (leverage) ratio | 16.2798% | 431 |
| Tier 1 risk-based capital ratio | 25.7266% | 710 |
| Total risk-based capital ratio | 26.7889% | 712 |
| Memoranda: | ||
| Average total assets | $46,353,200 | 5,415 |
| Average earning assets | $43,635,200 | 5,385 |
| Average equity | $7,632,200 | 4,988 |
| Average total loans | $25,056,200 | 5,348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7861% | 5,723 |
| Cost of funding earning assets | 0.3292% | 3,787 |
| Net interest margin | 2.4569% | 5,684 |
| Noninterest income to average assets | 0.2426% | 5,023 |
| Noninterest expense to average assets | 1.5726% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6372% | 4,130 |
| Return on assets (ROA) | 0.6372% | 4,261 |
| Pretax return on assets | 0.9822% | 3,696 |
| Return on Equity (ROE) | 3.8169% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.8169% | 3,594 |
| Net charge-offs to loans | -0.0265% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5561% | 4,303 |
| Assets per employee ($millions) | 9.0772% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 2,478 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 1,450 |
| Noncurrent loans to loans | 2.3488% | 779 |
| Net loans and leases to total assets | 53.7699% | 4,512 |
| Net loans and leases to deposits | 66.6867% | 4,278 |
| Net loans and leases to core deposits | 66.6867% | 4,559 |
| Total domestic deposits to total assets | 80.6306% | 4,347 |
| Equity capital to assets | 17.0141% | 432 |
| Core capital (leverage) ratio | 17.1437% | 356 |
| Tier 1 risk-based capital ratio | 26.0925% | 707 |
| Total risk-based capital ratio | 27.2155% | 701 |
| Memoranda: | ||
| Average total assets | $45,613,000 | 5,481 |
| Average earning assets | $42,926,500 | 5,455 |
| Average equity | $7,615,000 | 5,044 |
| Average total loans | $25,177,750 | 5,397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7840% | 5,805 |
| Cost of funding earning assets | 0.3253% | 3,843 |
| Net interest margin | 2.4586% | 5,763 |
| Noninterest income to average assets | 0.2233% | 5,154 |
| Noninterest expense to average assets | 1.5058% | 5,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6698% | 3,962 |
| Return on assets (ROA) | 0.6698% | 4,099 |
| Pretax return on assets | 1.0331% | 3,466 |
| Return on Equity (ROE) | 4.0373% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.0373% | 3,335 |
| Net charge-offs to loans | 0.0632% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,400 |
| Efficiency ratio | 59.3103% | 4,737 |
| Assets per employee ($millions) | 9.0390% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,937 |
| Loan loss allowance to noncurrent loans | 56.9643% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 1,598 |
| Noncurrent loans to loans | 2.2346% | 832 |
| Net loans and leases to total assets | 54.7428% | 4,436 |
| Net loans and leases to deposits | 68.0989% | 4,172 |
| Net loans and leases to core deposits | 68.0989% | 4,465 |
| Total domestic deposits to total assets | 80.3872% | 4,455 |
| Equity capital to assets | 16.9576% | 437 |
| Core capital (leverage) ratio | 17.0566% | 362 |
| Tier 1 risk-based capital ratio | 25.6825% | 748 |
| Total risk-based capital ratio | 26.7538% | 747 |
| Memoranda: | ||
| Average total assets | $45,688,670 | 5,547 |
| Average earning assets | $43,032,330 | 5,517 |
| Average equity | $7,579,330 | 5,092 |
| Average total loans | $25,325,000 | 5,450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 5,850 |
| Cost of funding earning assets | 0.3156% | 4,001 |
| Net interest margin | 2.4968% | 5,809 |
| Noninterest income to average assets | 0.2438% | 4,992 |
| Noninterest expense to average assets | 1.5848% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6531% | 3,963 |
| Return on assets (ROA) | 0.6531% | 4,082 |
| Pretax return on assets | 1.0014% | 3,478 |
| Return on Equity (ROE) | 3.9804% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.9804% | 3,504 |
| Net charge-offs to loans | 0.1257% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,701 |
| Efficiency ratio | 61.2795% | 4,558 |
| Assets per employee ($millions) | 9.0514% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 3,533 |
| Loan loss allowance to noncurrent loans | 170.5882% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 3,788 |
| Noncurrent loans to loans | 0.6983% | 3,097 |
| Net loans and leases to total assets | 58.4705% | 3,989 |
| Net loans and leases to deposits | 73.1217% | 3,535 |
| Net loans and leases to core deposits | 73.1217% | 3,970 |
| Total domestic deposits to total assets | 79.9633% | 4,754 |
| Equity capital to assets | 16.7532% | 445 |
| Core capital (leverage) ratio | 17.0823% | 363 |
| Tier 1 risk-based capital ratio | 24.2403% | 892 |
| Total risk-based capital ratio | 25.2618% | 902 |
| Memoranda: | ||
| Average total assets | $45,935,500 | 5,594 |
| Average earning assets | $43,096,000 | 5,571 |
| Average equity | $7,537,000 | 5,134 |
| Average total loans | $25,457,500 | 5,497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8002% | 5,881 |
| Cost of funding earning assets | 0.3363% | 3,832 |
| Net interest margin | 2.4639% | 5,849 |
| Noninterest income to average assets | 0.2052% | 5,369 |
| Noninterest expense to average assets | 1.4899% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6776% | 3,914 |
| Return on assets (ROA) | 0.6776% | 4,014 |
| Pretax return on assets | 1.0175% | 3,392 |
| Return on Equity (ROE) | 4.2833% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.5537% | 3,533 |
| Net charge-offs to loans | -0.0362% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4203% | 4,984 |
| Assets per employee ($millions) | 9.3228% | 343 |
| Cash dividends to net income (ytd only)* | 17.0347% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 2,646 |
| Loan loss allowance to noncurrent loans | 198.1818% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 4,030 |
| Noncurrent loans to loans | 0.6837% | 3,154 |
| Net loans and leases to total assets | 51.0726% | 4,771 |
| Net loans and leases to deposits | 62.7408% | 4,575 |
| Net loans and leases to core deposits | 62.7408% | 4,819 |
| Total domestic deposits to total assets | 81.4026% | 4,370 |
| Equity capital to assets | 16.0724% | 512 |
| Core capital (leverage) ratio | 16.3686% | 425 |
| Tier 1 risk-based capital ratio | 25.2289% | 799 |
| Total risk-based capital ratio | 26.3296% | 796 |
| Memoranda: | ||
| Average total assets | $46,780,200 | 5,613 |
| Average earning assets | $43,711,400 | 5,588 |
| Average equity | $7,400,800 | 5,168 |
| Average total loans | $24,886,200 | 5,558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8198% | 5,945 |
| Cost of funding earning assets | 0.3373% | 3,897 |
| Net interest margin | 2.4825% | 5,920 |
| Noninterest income to average assets | 0.2079% | 5,402 |
| Noninterest expense to average assets | 1.4153% | 6,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7261% | 3,781 |
| Return on assets (ROA) | 0.7261% | 3,887 |
| Pretax return on assets | 1.1191% | 3,142 |
| Return on Equity (ROE) | 4.6082% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.6082% | 3,191 |
| Net charge-offs to loans | -0.0798% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8427% | 5,374 |
| Assets per employee ($millions) | 9.0386% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,836 |
| Loan loss allowance to noncurrent loans | 167.3367% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,898 |
| Noncurrent loans to loans | 0.8081% | 2,947 |
| Net loans and leases to total assets | 53.7561% | 4,587 |
| Net loans and leases to deposits | 65.9930% | 4,389 |
| Net loans and leases to core deposits | 65.9930% | 4,690 |
| Total domestic deposits to total assets | 81.4573% | 4,347 |
| Equity capital to assets | 16.6021% | 478 |
| Core capital (leverage) ratio | 16.4149% | 437 |
| Tier 1 risk-based capital ratio | 25.6141% | 801 |
| Total risk-based capital ratio | 26.7533% | 795 |
| Memoranda: | ||
| Average total assets | $46,821,750 | 5,685 |
| Average earning assets | $43,879,750 | 5,657 |
| Average equity | $7,378,000 | 5,240 |
| Average total loans | $25,074,250 | 5,612 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8146% | 6,003 |
| Cost of funding earning assets | 0.3333% | 4,008 |
| Net interest margin | 2.4814% | 5,981 |
| Noninterest income to average assets | 0.2069% | 5,445 |
| Noninterest expense to average assets | 1.3259% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7854% | 3,461 |
| Return on assets (ROA) | 0.7854% | 3,563 |
| Pretax return on assets | 1.2077% | 2,748 |
| Return on Equity (ROE) | 5.0707% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.0707% | 2,817 |
| Net charge-offs to loans | -0.0396% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3333% | 5,687 |
| Assets per employee ($millions) | 9.1208% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,319 |
| Loan loss allowance to noncurrent loans | 232.3741% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 4,511 |
| Noncurrent loans to loans | 0.5535% | 3,799 |
| Net loans and leases to total assets | 54.3637% | 4,514 |
| Net loans and leases to deposits | 66.6434% | 4,271 |
| Net loans and leases to core deposits | 66.6434% | 4,603 |
| Total domestic deposits to total assets | 81.5740% | 4,424 |
| Equity capital to assets | 16.3122% | 490 |
| Core capital (leverage) ratio | 16.2775% | 433 |
| Tier 1 risk-based capital ratio | 24.5312% | 902 |
| Total risk-based capital ratio | 25.5994% | 912 |
| Memoranda: | ||
| Average total assets | $47,364,670 | 5,737 |
| Average earning assets | $44,411,000 | 5,704 |
| Average equity | $7,336,330 | 5,292 |
| Average total loans | $25,223,330 | 5,658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7510% | 6,099 |
| Cost of funding earning assets | 0.3273% | 4,133 |
| Net interest margin | 2.4237% | 6,082 |
| Noninterest income to average assets | 0.2156% | 5,411 |
| Noninterest expense to average assets | 1.3514% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7379% | 3,606 |
| Return on assets (ROA) | 0.7379% | 3,731 |
| Pretax return on assets | 1.1359% | 2,923 |
| Return on Equity (ROE) | 4.8868% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.8868% | 3,118 |
| Net charge-offs to loans | -0.0633% | 5,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3333% | 5,649 |
| Assets per employee ($millions) | 9.4974% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,742 |
| Loan loss allowance to noncurrent loans | 152.6066% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 4,109 |
| Noncurrent loans to loans | 0.8123% | 3,217 |
| Net loans and leases to total assets | 54.0211% | 4,444 |
| Net loans and leases to deposits | 66.3554% | 4,116 |
| Net loans and leases to core deposits | 66.3554% | 4,487 |
| Total domestic deposits to total assets | 81.4118% | 4,699 |
| Equity capital to assets | 15.4716% | 633 |
| Core capital (leverage) ratio | 15.5575% | 526 |
| Tier 1 risk-based capital ratio | 23.6239% | 1,035 |
| Total risk-based capital ratio | 24.6628% | 1,031 |
| Memoranda: | ||
| Average total assets | $48,245,000 | 5,763 |
| Average earning assets | $45,220,000 | 5,734 |
| Average equity | $7,285,000 | 5,347 |
| Average total loans | $25,277,500 | 5,704 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6166% | 6,296 |
| Cost of funding earning assets | 0.3451% | 4,305 |
| Net interest margin | 2.2715% | 6,280 |
| Noninterest income to average assets | 0.2136% | 5,577 |
| Noninterest expense to average assets | 1.4645% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5792% | 4,462 |
| Return on assets (ROA) | 0.5792% | 4,549 |
| Pretax return on assets | 0.8853% | 3,948 |
| Return on Equity (ROE) | 3.9509% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.1944% | 3,962 |
| Net charge-offs to loans | 0.0373% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 47.8889% | 959 |
| Efficiency ratio | 62.3252% | 4,861 |
| Assets per employee ($millions) | 9.8006% | 270 |
| Cash dividends to net income (ytd only)* | 19.1489% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 3,458 |
| Loan loss allowance to noncurrent loans | 210.5960% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 4,681 |
| Noncurrent loans to loans | 0.6143% | 3,842 |
| Net loans and leases to total assets | 49.5113% | 5,016 |
| Net loans and leases to deposits | 60.2917% | 4,882 |
| Net loans and leases to core deposits | 60.2917% | 5,122 |
| Total domestic deposits to total assets | 82.1195% | 4,374 |
| Equity capital to assets | 14.7399% | 749 |
| Core capital (leverage) ratio | 15.2667% | 568 |
| Tier 1 risk-based capital ratio | 23.2885% | 1,036 |
| Total risk-based capital ratio | 24.3125% | 1,054 |
| Memoranda: | ||
| Average total assets | $48,685,200 | 5,818 |
| Average earning assets | $45,785,000 | 5,779 |
| Average equity | $7,137,600 | 5,385 |
| Average total loans | $24,131,000 | 5,817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5933% | 6,378 |
| Cost of funding earning assets | 0.3485% | 4,356 |
| Net interest margin | 2.2448% | 6,363 |
| Noninterest income to average assets | 0.2277% | 5,568 |
| Noninterest expense to average assets | 1.3825% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6282% | 4,313 |
| Return on assets (ROA) | 0.6282% | 4,414 |
| Pretax return on assets | 0.9656% | 3,736 |
| Return on Equity (ROE) | 4.2906% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.2906% | 3,595 |
| Net charge-offs to loans | 0.0167% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 117.3300% | 506 |
| Efficiency ratio | 58.8785% | 5,323 |
| Assets per employee ($millions) | 9.2970% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 3,375 |
| Loan loss allowance to noncurrent loans | 174.1935% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 4,607 |
| Noncurrent loans to loans | 0.7779% | 3,639 |
| Net loans and leases to total assets | 50.7411% | 4,917 |
| Net loans and leases to deposits | 62.0923% | 4,732 |
| Net loans and leases to core deposits | 62.0923% | 5,027 |
| Total domestic deposits to total assets | 81.7188% | 4,581 |
| Equity capital to assets | 15.5556% | 623 |
| Core capital (leverage) ratio | 15.4439% | 550 |
| Tier 1 risk-based capital ratio | 23.8697% | 1,005 |
| Total risk-based capital ratio | 24.9389% | 1,004 |
| Memoranda: | ||
| Average total assets | $48,605,750 | 5,885 |
| Average earning assets | $45,912,500 | 5,841 |
| Average equity | $7,116,250 | 5,439 |
| Average total loans | $24,018,750 | 5,883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5625% | 6,459 |
| Cost of funding earning assets | 0.3440% | 4,494 |
| Net interest margin | 2.2185% | 6,442 |
| Noninterest income to average assets | 0.2312% | 5,544 |
| Noninterest expense to average assets | 1.3141% | 6,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6530% | 4,080 |
| Return on assets (ROA) | 0.6530% | 4,180 |
| Pretax return on assets | 1.0099% | 3,440 |
| Return on Equity (ROE) | 4.5493% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.5493% | 3,276 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5445% | 5,692 |
| Assets per employee ($millions) | 9.6536% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 3,521 |
| Loan loss allowance to noncurrent loans | 235.2518% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 5,084 |
| Noncurrent loans to loans | 0.5797% | 4,285 |
| Net loans and leases to total assets | 48.9993% | 5,075 |
| Net loans and leases to deposits | 59.7670% | 4,884 |
| Net loans and leases to core deposits | 59.7670% | 5,144 |
| Total domestic deposits to total assets | 81.9839% | 4,658 |
| Equity capital to assets | 14.8401% | 740 |
| Core capital (leverage) ratio | 15.0404% | 605 |
| Tier 1 risk-based capital ratio | 23.2587% | 1,075 |
| Total risk-based capital ratio | 24.3200% | 1,085 |
| Memoranda: | ||
| Average total assets | $49,312,670 | 5,918 |
| Average earning assets | $46,517,670 | 5,874 |
| Average equity | $7,078,000 | 5,469 |
| Average total loans | $24,054,670 | 5,927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5172% | 6,546 |
| Cost of funding earning assets | 0.3413% | 4,632 |
| Net interest margin | 2.1759% | 6,536 |
| Noninterest income to average assets | 0.2408% | 5,431 |
| Noninterest expense to average assets | 1.2281% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6903% | 3,739 |
| Return on assets (ROA) | 0.6903% | 3,816 |
| Pretax return on assets | 1.0595% | 3,087 |
| Return on Equity (ROE) | 4.8895% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8895% | 3,178 |
| Net charge-offs to loans | 0.0166% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 373 |
| Efficiency ratio | 53.6842% | 6,041 |
| Assets per employee ($millions) | 9.8374% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,898 |
| Loan loss allowance to noncurrent loans | 125.8687% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 4,462 |
| Noncurrent loans to loans | 1.0656% | 3,293 |
| Net loans and leases to total assets | 48.7527% | 5,031 |
| Net loans and leases to deposits | 60.3741% | 4,725 |
| Net loans and leases to core deposits | 60.3741% | 5,001 |
| Total domestic deposits to total assets | 80.7510% | 5,302 |
| Equity capital to assets | 14.3798% | 817 |
| Core capital (leverage) ratio | 14.9018% | 612 |
| Tier 1 risk-based capital ratio | 22.5825% | 1,194 |
| Total risk-based capital ratio | 23.6208% | 1,215 |
| Memoranda: | ||
| Average total assets | $49,835,000 | 5,968 |
| Average earning assets | $46,877,500 | 5,926 |
| Average equity | $7,035,500 | 5,508 |
| Average total loans | $24,093,000 | 5,978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5878% | 6,593 |
| Cost of funding earning assets | 0.3896% | 4,758 |
| Net interest margin | 2.1982% | 6,581 |
| Noninterest income to average assets | 0.2039% | 5,863 |
| Noninterest expense to average assets | 1.3725% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5955% | 4,284 |
| Return on assets (ROA) | 0.5955% | 4,400 |
| Pretax return on assets | 0.8912% | 3,800 |
| Return on Equity (ROE) | 4.2232% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.4422% | 3,785 |
| Net charge-offs to loans | 0.0175% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 431 |
| Efficiency ratio | 60.6306% | 5,395 |
| Assets per employee ($millions) | 10.0966% | 222 |
| Cash dividends to net income (ytd only)* | 18.4932% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 3,802 |
| Loan loss allowance to noncurrent loans | 302.7778% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,523 |
| Noncurrent loans to loans | 0.4523% | 4,866 |
| Net loans and leases to total assets | 46.6553% | 5,427 |
| Net loans and leases to deposits | 58.0524% | 5,115 |
| Net loans and leases to core deposits | 58.0524% | 5,389 |
| Total domestic deposits to total assets | 80.3676% | 5,356 |
| Equity capital to assets | 13.8621% | 946 |
| Core capital (leverage) ratio | 14.6509% | 653 |
| Tier 1 risk-based capital ratio | 22.3677% | 1,196 |
| Total risk-based capital ratio | 23.4120% | 1,208 |
| Memoranda: | ||
| Average total assets | $49,035,200 | 6,036 |
| Average earning assets | $45,946,000 | 5,992 |
| Average equity | $6,914,200 | 5,592 |
| Average total loans | $22,834,800 | 6,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5982% | 6,666 |
| Cost of funding earning assets | 0.3995% | 4,819 |
| Net interest margin | 2.1987% | 6,648 |
| Noninterest income to average assets | 0.1917% | 6,032 |
| Noninterest expense to average assets | 1.2655% | 6,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6163% | 4,277 |
| Return on assets (ROA) | 0.6163% | 4,403 |
| Pretax return on assets | 0.9916% | 3,537 |
| Return on Equity (ROE) | 4.3519% | 5,050 |
| Retained earnings to average equity (ytd only) | 4.3519% | 3,578 |
| Net charge-offs to loans | 0.0295% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 72.3613% | 647 |
| Efficiency ratio | 56.0680% | 5,891 |
| Assets per employee ($millions) | 9.6966% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,449 |
| Loan loss allowance to noncurrent loans | 366.2921% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 5,796 |
| Noncurrent loans to loans | 0.4098% | 5,169 |
| Net loans and leases to total assets | 44.1206% | 5,718 |
| Net loans and leases to deposits | 52.9887% | 5,631 |
| Net loans and leases to core deposits | 52.9887% | 5,831 |
| Total domestic deposits to total assets | 83.2642% | 4,478 |
| Equity capital to assets | 14.4277% | 845 |
| Core capital (leverage) ratio | 14.7861% | 678 |
| Tier 1 risk-based capital ratio | 23.9107% | 1,016 |
| Total risk-based capital ratio | 25.0257% | 1,013 |
| Memoranda: | ||
| Average total assets | $48,673,250 | 6,116 |
| Average earning assets | $45,723,000 | 6,067 |
| Average equity | $6,893,250 | 5,669 |
| Average total loans | $22,573,500 | 6,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5566% | 6,717 |
| Cost of funding earning assets | 0.4014% | 4,930 |
| Net interest margin | 2.1552% | 6,705 |
| Noninterest income to average assets | 0.1888% | 6,082 |
| Noninterest expense to average assets | 1.2188% | 6,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6279% | 4,166 |
| Return on assets (ROA) | 0.6279% | 4,323 |
| Pretax return on assets | 0.9972% | 3,524 |
| Return on Equity (ROE) | 4.4611% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.4611% | 3,425 |
| Net charge-offs to loans | 0.1400% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.1875% | 1,763 |
| Efficiency ratio | 55.0000% | 6,062 |
| Assets per employee ($millions) | 9.7666% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,141 |
| Loan loss allowance to noncurrent loans | 264.7059% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 5,654 |
| Noncurrent loans to loans | 0.5202% | 4,966 |
| Net loans and leases to total assets | 46.2044% | 5,510 |
| Net loans and leases to deposits | 55.6218% | 5,377 |
| Net loans and leases to core deposits | 55.6218% | 5,628 |
| Total domestic deposits to total assets | 83.0688% | 4,676 |
| Equity capital to assets | 14.1728% | 913 |
| Core capital (leverage) ratio | 14.6421% | 677 |
| Tier 1 risk-based capital ratio | 22.8350% | 1,159 |
| Total risk-based capital ratio | 23.8746% | 1,175 |
| Memoranda: | ||
| Average total assets | $48,736,670 | 6,154 |
| Average earning assets | $45,842,670 | 6,108 |
| Average equity | $6,859,330 | 5,720 |
| Average total loans | $22,859,000 | 6,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4694% | 6,823 |
| Cost of funding earning assets | 0.4014% | 5,087 |
| Net interest margin | 2.0680% | 6,825 |
| Noninterest income to average assets | 0.1972% | 6,067 |
| Noninterest expense to average assets | 1.2077% | 6,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5915% | 4,261 |
| Return on assets (ROA) | 0.5915% | 4,406 |
| Pretax return on assets | 0.9366% | 3,630 |
| Return on Equity (ROE) | 4.2176% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.2176% | 3,695 |
| Net charge-offs to loans | 0.0350% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 615 |
| Efficiency ratio | 56.3218% | 6,030 |
| Assets per employee ($millions) | 9.7072% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,136 |
| Loan loss allowance to noncurrent loans | 253.0769% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 5,664 |
| Noncurrent loans to loans | 0.5609% | 5,040 |
| Net loans and leases to total assets | 47.0785% | 5,326 |
| Net loans and leases to deposits | 57.4409% | 5,096 |
| Net loans and leases to core deposits | 57.4409% | 5,394 |
| Total domestic deposits to total assets | 81.9598% | 5,205 |
| Equity capital to assets | 14.1462% | 980 |
| Core capital (leverage) ratio | 14.5927% | 653 |
| Tier 1 risk-based capital ratio | 22.6057% | 1,221 |
| Total risk-based capital ratio | 23.6933% | 1,234 |
| Memoranda: | ||
| Average total assets | $48,688,500 | 6,218 |
| Average earning assets | $45,841,000 | 6,164 |
| Average equity | $6,828,500 | 5,787 |
| Average total loans | $22,849,500 | 6,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7889% | 6,855 |
| Cost of funding earning assets | 0.5052% | 5,179 |
| Net interest margin | 2.2837% | 6,845 |
| Noninterest income to average assets | 0.2452% | 5,701 |
| Noninterest expense to average assets | 1.5321% | 6,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5903% | 4,281 |
| Return on assets (ROA) | 0.5903% | 4,543 |
| Pretax return on assets | 0.8615% | 4,063 |
| Return on Equity (ROE) | 4.0352% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.2341% | 3,945 |
| Net charge-offs to loans | 0.0143% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 132.3333% | 310 |
| Efficiency ratio | 64.0073% | 4,887 |
| Assets per employee ($millions) | 9.7682% | 263 |
| Cash dividends to net income (ytd only)* | 19.8529% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 3,869 |
| Loan loss allowance to noncurrent loans | 262.6984% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 5,804 |
| Noncurrent loans to loans | 0.5595% | 5,132 |
| Net loans and leases to total assets | 45.4311% | 5,677 |
| Net loans and leases to deposits | 54.9709% | 5,559 |
| Net loans and leases to core deposits | 54.9709% | 5,795 |
| Total domestic deposits to total assets | 82.6457% | 4,873 |
| Equity capital to assets | 13.9043% | 1,086 |
| Core capital (leverage) ratio | 14.5766% | 656 |
| Tier 1 risk-based capital ratio | 21.5450% | 1,347 |
| Total risk-based capital ratio | 22.5990% | 1,363 |
| Memoranda: | ||
| Average total assets | $46,080,800 | 6,325 |
| Average earning assets | $43,350,200 | 6,258 |
| Average equity | $6,740,600 | 5,830 |
| Average total loans | $20,922,800 | 6,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8691% | 6,945 |
| Cost of funding earning assets | 0.5270% | 5,266 |
| Net interest margin | 2.3421% | 6,923 |
| Noninterest income to average assets | 0.2556% | 5,735 |
| Noninterest expense to average assets | 1.3718% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6873% | 3,968 |
| Return on assets (ROA) | 0.6873% | 4,223 |
| Pretax return on assets | 1.0898% | 3,387 |
| Return on Equity (ROE) | 4.6372% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.6372% | 3,630 |
| Net charge-offs to loans | 0.0130% | 5,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 185.2622% | 242 |
| Efficiency ratio | 55.7279% | 6,085 |
| Assets per employee ($millions) | 9.2674% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 3,072 |
| Loan loss allowance to noncurrent loans | 261.4173% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,920 |
| Noncurrent loans to loans | 0.6585% | 5,128 |
| Net loans and leases to total assets | 40.9025% | 6,209 |
| Net loans and leases to deposits | 49.5322% | 6,146 |
| Net loans and leases to core deposits | 49.5322% | 6,306 |
| Total domestic deposits to total assets | 82.5776% | 4,802 |
| Equity capital to assets | 14.7312% | 893 |
| Core capital (leverage) ratio | 14.6832% | 673 |
| Tier 1 risk-based capital ratio | 24.2960% | 983 |
| Total risk-based capital ratio | 25.3350% | 991 |
| Memoranda: | ||
| Average total assets | $45,390,750 | 6,411 |
| Average earning assets | $42,753,250 | 6,350 |
| Average equity | $6,728,000 | 5,898 |
| Average total loans | $20,523,500 | 6,486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9216% | 7,005 |
| Cost of funding earning assets | 0.5428% | 5,351 |
| Net interest margin | 2.3789% | 6,973 |
| Noninterest income to average assets | 0.2573% | 5,737 |
| Noninterest expense to average assets | 1.3178% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7410% | 3,643 |
| Return on assets (ROA) | 0.7410% | 3,920 |
| Pretax return on assets | 1.1758% | 3,029 |
| Return on Equity (ROE) | 4.9886% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.9886% | 3,287 |
| Net charge-offs to loans | -0.0191% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8470% | 6,435 |
| Assets per employee ($millions) | 9.3294% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 3,778 |
| Loan loss allowance to noncurrent loans | 3,360.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 6,672 |
| Noncurrent loans to loans | 0.0461% | 6,564 |
| Net loans and leases to total assets | 45.7350% | 5,846 |
| Net loans and leases to deposits | 56.2309% | 5,622 |
| Net loans and leases to core deposits | 56.2309% | 5,924 |
| Total domestic deposits to total assets | 81.3343% | 5,354 |
| Equity capital to assets | 14.5090% | 916 |
| Core capital (leverage) ratio | 15.1448% | 576 |
| Tier 1 risk-based capital ratio | 22.7101% | 1,174 |
| Total risk-based capital ratio | 23.6910% | 1,194 |
| Memoranda: | ||
| Average total assets | $45,075,330 | 6,465 |
| Average earning assets | $42,373,330 | 6,402 |
| Average equity | $6,695,330 | 5,934 |
| Average total loans | $20,936,330 | 6,510 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 7,049 |
| Cost of funding earning assets | 0.5588% | 5,437 |
| Net interest margin | 2.4277% | 6,997 |
| Noninterest income to average assets | 0.2619% | 5,773 |
| Noninterest expense to average assets | 1.3367% | 7,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7586% | 3,580 |
| Return on assets (ROA) | 0.7586% | 3,817 |
| Pretax return on assets | 1.2012% | 2,911 |
| Return on Equity (ROE) | 5.0458% | 4,766 |
| Retained earnings to average equity (ytd only) | 5.0458% | 3,531 |
| Net charge-offs to loans | -0.0194% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6690% | 6,478 |
| Assets per employee ($millions) | 9.1148% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 4,089 |
| Loan loss allowance to noncurrent loans | 265.8730% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 6,107 |
| Noncurrent loans to loans | 0.5693% | 5,527 |
| Net loans and leases to total assets | 47.8321% | 5,577 |
| Net loans and leases to deposits | 59.8676% | 5,167 |
| Net loans and leases to core deposits | 59.8676% | 5,542 |
| Total domestic deposits to total assets | 79.8964% | 5,879 |
| Equity capital to assets | 14.6904% | 809 |
| Core capital (leverage) ratio | 15.4195% | 544 |
| Tier 1 risk-based capital ratio | 21.7574% | 1,326 |
| Total risk-based capital ratio | 22.8566% | 1,336 |
| Memoranda: | ||
| Average total assets | $44,289,500 | 6,527 |
| Average earning assets | $41,520,500 | 6,469 |
| Average equity | $6,659,000 | 5,980 |
| Average total loans | $20,569,500 | 6,589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 7,160 |
| Cost of funding earning assets | 0.7393% | 5,283 |
| Net interest margin | 2.3311% | 7,132 |
| Noninterest income to average assets | 0.2589% | 5,683 |
| Noninterest expense to average assets | 1.6454% | 7,086 |
| Loan and lease loss provision to assets | 0.0118% | 6,390 |
| Net operating income to assets | 0.5320% | 4,302 |
| Return on assets (ROA) | 0.5320% | 4,493 |
| Pretax return on assets | 0.7839% | 4,038 |
| Return on Equity (ROE) | 3.4376% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.6162% | 4,363 |
| Net charge-offs to loans | -0.0841% | 7,116 |
| Credit loss provision to net charge-offs | -33.3333% | 6,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4060% | 4,486 |
| Assets per employee ($millions) | 8.6010% | 377 |
| Cash dividends to net income (ytd only)* | 23.8938% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,993 |
| Loan loss allowance to noncurrent loans | 273.7705% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,168 |
| Noncurrent loans to loans | 0.6419% | 5,426 |
| Net loans and leases to total assets | 43.4159% | 6,259 |
| Net loans and leases to deposits | 52.6685% | 6,158 |
| Net loans and leases to core deposits | 52.6685% | 6,393 |
| Total domestic deposits to total assets | 82.4323% | 4,989 |
| Equity capital to assets | 15.4005% | 694 |
| Core capital (leverage) ratio | 15.0554% | 595 |
| Tier 1 risk-based capital ratio | 24.6267% | 911 |
| Total risk-based capital ratio | 25.8755% | 900 |
| Memoranda: | ||
| Average total assets | $42,482,000 | 6,586 |
| Average earning assets | $39,767,200 | 6,537 |
| Average equity | $6,574,400 | 5,991 |
| Average total loans | $17,827,200 | 6,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 7,236 |
| Cost of funding earning assets | 0.7686% | 5,341 |
| Net interest margin | 2.3226% | 7,210 |
| Noninterest income to average assets | 0.2676% | 5,701 |
| Noninterest expense to average assets | 1.3663% | 7,290 |
| Loan and lease loss provision to assets | 0.0157% | 6,235 |
| Net operating income to assets | 0.6611% | 3,818 |
| Return on assets (ROA) | 0.6611% | 3,992 |
| Pretax return on assets | 1.0641% | 3,153 |
| Return on Equity (ROE) | 4.2667% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.2667% | 3,694 |
| Net charge-offs to loans | -0.1065% | 7,179 |
| Credit loss provision to net charge-offs | -35.7143% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8559% | 6,300 |
| Assets per employee ($millions) | 8.7210% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 2,482 |
| Loan loss allowance to noncurrent loans | 189.2045% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,867 |
| Noncurrent loans to loans | 1.0294% | 4,840 |
| Net loans and leases to total assets | 38.4474% | 6,746 |
| Net loans and leases to deposits | 46.8178% | 6,694 |
| Net loans and leases to core deposits | 46.8178% | 6,806 |
| Total domestic deposits to total assets | 82.1213% | 5,047 |
| Equity capital to assets | 15.3125% | 769 |
| Core capital (leverage) ratio | 15.1338% | 638 |
| Tier 1 risk-based capital ratio | 26.7368% | 754 |
| Total risk-based capital ratio | 27.9873% | 742 |
| Memoranda: | ||
| Average total assets | $42,351,250 | 6,649 |
| Average earning assets | $39,725,250 | 6,600 |
| Average equity | $6,562,250 | 6,039 |
| Average total loans | $17,532,750 | 6,843 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1682% | 7,295 |
| Cost of funding earning assets | 0.7933% | 5,422 |
| Net interest margin | 2.3749% | 7,246 |
| Noninterest income to average assets | 0.2862% | 5,592 |
| Noninterest expense to average assets | 1.3831% | 7,363 |
| Loan and lease loss provision to assets | 0.0238% | 5,996 |
| Net operating income to assets | 0.6963% | 3,563 |
| Return on assets (ROA) | 0.6963% | 3,680 |
| Pretax return on assets | 1.1065% | 2,825 |
| Return on Equity (ROE) | 4.4758% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.4758% | 3,346 |
| Net charge-offs to loans | -0.1018% | 7,170 |
| Credit loss provision to net charge-offs | -55.5556% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0285% | 6,504 |
| Assets per employee ($millions) | 8.5580% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 2,971 |
| Loan loss allowance to noncurrent loans | 246.6165% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 6,146 |
| Noncurrent loans to loans | 0.7321% | 5,446 |
| Net loans and leases to total assets | 41.6873% | 6,612 |
| Net loans and leases to deposits | 50.4397% | 6,568 |
| Net loans and leases to core deposits | 50.4397% | 6,741 |
| Total domestic deposits to total assets | 82.6478% | 4,930 |
| Equity capital to assets | 15.4569% | 709 |
| Core capital (leverage) ratio | 15.5240% | 574 |
| Tier 1 risk-based capital ratio | 26.3496% | 781 |
| Total risk-based capital ratio | 27.6022% | 763 |
| Memoranda: | ||
| Average total assets | $41,933,330 | 6,721 |
| Average earning assets | $39,328,330 | 6,668 |
| Average equity | $6,524,000 | 6,076 |
| Average total loans | $17,677,670 | 6,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 7,309 |
| Cost of funding earning assets | 0.8152% | 5,499 |
| Net interest margin | 2.4868% | 7,207 |
| Noninterest income to average assets | 0.2891% | 5,601 |
| Noninterest expense to average assets | 1.4745% | 7,380 |
| Loan and lease loss provision to assets | 0.0482% | 5,398 |
| Net operating income to assets | 0.6843% | 3,588 |
| Return on assets (ROA) | 0.6843% | 3,653 |
| Pretax return on assets | 1.0890% | 2,797 |
| Return on Equity (ROE) | 4.3834% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.3834% | 3,542 |
| Net charge-offs to loans | -0.0229% | 6,616 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4576% | 6,450 |
| Assets per employee ($millions) | 8.4022% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 3,054 |
| Loan loss allowance to noncurrent loans | 70.0219% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 4,596 |
| Noncurrent loans to loans | 2.5484% | 2,938 |
| Net loans and leases to total assets | 41.9247% | 6,623 |
| Net loans and leases to deposits | 51.0226% | 6,544 |
| Net loans and leases to core deposits | 51.0226% | 6,729 |
| Total domestic deposits to total assets | 82.1690% | 5,242 |
| Equity capital to assets | 15.4650% | 665 |
| Core capital (leverage) ratio | 15.5683% | 569 |
| Tier 1 risk-based capital ratio | 26.3465% | 752 |
| Total risk-based capital ratio | 27.5971% | 740 |
| Memoranda: | ||
| Average total assets | $41,505,000 | 6,778 |
| Average earning assets | $38,765,000 | 6,729 |
| Average equity | $6,479,000 | 6,100 |
| Average total loans | $17,433,500 | 6,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 7,310 |
| Cost of funding earning assets | 1.0852% | 5,219 |
| Net interest margin | 2.6008% | 7,205 |
| Noninterest income to average assets | 0.2732% | 5,830 |
| Noninterest expense to average assets | 1.6442% | 7,377 |
| Loan and lease loss provision to assets | 0.0976% | 6,170 |
| Net operating income to assets | 0.6343% | 3,514 |
| Return on assets (ROA) | 0.6343% | 3,665 |
| Pretax return on assets | 0.9636% | 3,053 |
| Return on Equity (ROE) | 4.0515% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.2100% | 3,619 |
| Net charge-offs to loans | 0.5474% | 3,418 |
| Credit loss provision to net charge-offs | 40.4040% | 6,383 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,941 |
| Efficiency ratio | 60.7755% | 5,929 |
| Assets per employee ($millions) | 8.1998% | 452 |
| Cash dividends to net income (ytd only)* | 20.7692% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8543% | 2,680 |
| Loan loss allowance to noncurrent loans | 91.0145% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,148 |
| Noncurrent loans to loans | 2.0373% | 3,506 |
| Net loans and leases to total assets | 40.5376% | 6,932 |
| Net loans and leases to deposits | 49.0700% | 6,900 |
| Net loans and leases to core deposits | 49.0700% | 7,020 |
| Total domestic deposits to total assets | 82.6118% | 4,971 |
| Equity capital to assets | 15.7589% | 629 |
| Core capital (leverage) ratio | 14.9574% | 671 |
| Tier 1 risk-based capital ratio | 27.2576% | 660 |
| Total risk-based capital ratio | 28.5103% | 649 |
| Memoranda: | ||
| Average total assets | $40,992,800 | 6,825 |
| Average earning assets | $38,334,600 | 6,780 |
| Average equity | $6,417,400 | 6,229 |
| Average total loans | $18,084,600 | 7,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 7,390 |
| Cost of funding earning assets | 1.1326% | 5,237 |
| Net interest margin | 2.6890% | 7,247 |
| Noninterest income to average assets | 0.2830% | 5,848 |
| Noninterest expense to average assets | 1.3726% | 7,603 |
| Loan and lease loss provision to assets | 0.1301% | 5,728 |
| Net operating income to assets | 0.8164% | 2,930 |
| Return on assets (ROA) | 0.8164% | 3,075 |
| Pretax return on assets | 1.2978% | 2,175 |
| Return on Equity (ROE) | 5.2238% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.2238% | 2,826 |
| Net charge-offs to loans | 0.7765% | 2,494 |
| Credit loss provision to net charge-offs | 37.3832% | 6,052 |
| Earnings coverage of net charge-offs (x) | 4.1029% | 3,191 |
| Efficiency ratio | 49.0128% | 7,209 |
| Assets per employee ($millions) | 10.3548% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,773 |
| Loan loss allowance to noncurrent loans | 146.4115% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 5,951 |
| Noncurrent loans to loans | 1.2326% | 4,789 |
| Net loans and leases to total assets | 40.1989% | 7,062 |
| Net loans and leases to deposits | 48.6742% | 7,058 |
| Net loans and leases to core deposits | 48.6742% | 7,176 |
| Total domestic deposits to total assets | 82.5877% | 4,757 |
| Equity capital to assets | 15.7899% | 714 |
| Core capital (leverage) ratio | 15.3728% | 652 |
| Tier 1 risk-based capital ratio | 28.5689% | 591 |
| Total risk-based capital ratio | 29.8193% | 579 |
| Memoranda: | ||
| Average total assets | $40,991,250 | 6,905 |
| Average earning assets | $38,377,250 | 6,863 |
| Average equity | $6,406,500 | 6,319 |
| Average total loans | $18,372,250 | 7,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 7,417 |
| Cost of funding earning assets | 1.1507% | 5,397 |
| Net interest margin | 2.7596% | 7,195 |
| Noninterest income to average assets | 0.2889% | 5,836 |
| Noninterest expense to average assets | 1.4003% | 7,667 |
| Loan and lease loss provision to assets | 0.1958% | 4,916 |
| Net operating income to assets | 0.8079% | 2,933 |
| Return on assets (ROA) | 0.8079% | 3,078 |
| Pretax return on assets | 1.2877% | 2,128 |
| Return on Equity (ROE) | 5.1870% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.1870% | 2,792 |
| Net charge-offs to loans | 1.1781% | 1,615 |
| Credit loss provision to net charge-offs | 36.0360% | 5,658 |
| Earnings coverage of net charge-offs (x) | 2.7297% | 3,627 |
| Efficiency ratio | 48.5569% | 7,312 |
| Assets per employee ($millions) | 10.2475% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 3,420 |
| Loan loss allowance to noncurrent loans | 317.8947% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 6,610 |
| Noncurrent loans to loans | 0.5051% | 6,244 |
| Net loans and leases to total assets | 45.1500% | 6,839 |
| Net loans and leases to deposits | 54.8079% | 6,808 |
| Net loans and leases to core deposits | 54.8079% | 7,002 |
| Total domestic deposits to total assets | 82.3786% | 4,834 |
| Equity capital to assets | 15.7575% | 714 |
| Core capital (leverage) ratio | 15.5983% | 623 |
| Tier 1 risk-based capital ratio | 26.4435% | 738 |
| Total risk-based capital ratio | 27.6917% | 730 |
| Memoranda: | ||
| Average total assets | $40,848,670 | 6,966 |
| Average earning assets | $38,410,670 | 6,912 |
| Average equity | $6,362,000 | 6,348 |
| Average total loans | $18,844,330 | 7,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 7,522 |
| Cost of funding earning assets | 1.1502% | 5,657 |
| Net interest margin | 2.7499% | 7,247 |
| Noninterest income to average assets | 0.3041% | 5,716 |
| Noninterest expense to average assets | 1.3537% | 7,779 |
| Loan and lease loss provision to assets | 0.3924% | 3,018 |
| Net operating income to assets | 0.7161% | 3,365 |
| Return on assets (ROA) | 0.7161% | 3,477 |
| Pretax return on assets | 1.1379% | 2,594 |
| Return on Equity (ROE) | 4.6250% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.6250% | 3,362 |
| Net charge-offs to loans | 2.1207% | 801 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 1.5600% | 3,795 |
| Efficiency ratio | 46.9388% | 7,503 |
| Assets per employee ($millions) | 10.1673% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 3,529 |
| Loan loss allowance to noncurrent loans | 504.8387% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 6,854 |
| Noncurrent loans to loans | 0.3130% | 6,688 |
| Net loans and leases to total assets | 47.9432% | 6,683 |
| Net loans and leases to deposits | 58.4841% | 6,589 |
| Net loans and leases to core deposits | 58.4841% | 6,849 |
| Total domestic deposits to total assets | 81.9764% | 5,078 |
| Equity capital to assets | 15.5942% | 748 |
| Core capital (leverage) ratio | 15.5250% | 654 |
| Tier 1 risk-based capital ratio | 25.1856% | 842 |
| Total risk-based capital ratio | 26.4364% | 822 |
| Memoranda: | ||
| Average total assets | $40,778,000 | 7,061 |
| Average earning assets | $38,255,500 | 7,011 |
| Average equity | $6,313,500 | 6,410 |
| Average total loans | $18,862,000 | 7,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 7,649 |
| Cost of funding earning assets | 1.4851% | 5,572 |
| Net interest margin | 2.6216% | 7,312 |
| Noninterest income to average assets | 0.2943% | 6,009 |
| Noninterest expense to average assets | 1.6625% | 7,729 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7577% | 2,686 |
| Return on assets (ROA) | 0.7577% | 2,781 |
| Pretax return on assets | 1.1034% | 2,243 |
| Return on Equity (ROE) | 4.9518% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.0864% | 2,355 |
| Net charge-offs to loans | -0.0169% | 7,777 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1064% | 6,477 |
| Assets per employee ($millions) | 8.1774% | 476 |
| Cash dividends to net income (ytd only)* | 17.4757% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 1,854 |
| Loan loss allowance to noncurrent loans | 195.2880% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 6,292 |
| Noncurrent loans to loans | 1.0663% | 5,189 |
| Net loans and leases to total assets | 42.8987% | 7,194 |
| Net loans and leases to deposits | 51.6855% | 7,164 |
| Net loans and leases to core deposits | 55.7126% | 7,413 |
| Total domestic deposits to total assets | 82.9995% | 4,521 |
| Equity capital to assets | 15.3716% | 828 |
| Core capital (leverage) ratio | 15.1012% | 758 |
| Tier 1 risk-based capital ratio | 26.4707% | 732 |
| Total risk-based capital ratio | 27.7237% | 719 |
| Memoranda: | ||
| Average total assets | $40,781,200 | 7,060 |
| Average earning assets | $38,449,600 | 6,999 |
| Average equity | $6,240,200 | 6,517 |
| Average total loans | $17,724,600 | 7,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 7,742 |
| Cost of funding earning assets | 1.5563% | 5,605 |
| Net interest margin | 2.6077% | 7,347 |
| Noninterest income to average assets | 0.3043% | 6,047 |
| Noninterest expense to average assets | 1.3708% | 7,934 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8833% | 2,483 |
| Return on assets (ROA) | 0.8833% | 2,559 |
| Pretax return on assets | 1.4002% | 1,693 |
| Return on Equity (ROE) | 5.7793% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.7793% | 2,057 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4687% | 7,589 |
| Assets per employee ($millions) | 8.1616% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0648% | 1,661 |
| Loan loss allowance to noncurrent loans | 649.1228% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 7,197 |
| Noncurrent loans to loans | 0.3181% | 6,721 |
| Net loans and leases to total assets | 43.0038% | 7,312 |
| Net loans and leases to deposits | 51.9478% | 7,309 |
| Net loans and leases to core deposits | 56.3588% | 7,533 |
| Total domestic deposits to total assets | 82.7828% | 4,329 |
| Equity capital to assets | 15.5705% | 875 |
| Core capital (leverage) ratio | 15.0185% | 854 |
| Tier 1 risk-based capital ratio | 26.2702% | 804 |
| Total risk-based capital ratio | 27.5234% | 783 |
| Memoranda: | ||
| Average total assets | $40,754,750 | 7,113 |
| Average earning assets | $38,551,750 | 7,051 |
| Average equity | $6,229,000 | 6,583 |
| Average total loans | $17,677,500 | 7,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 7,810 |
| Cost of funding earning assets | 1.6040% | 5,733 |
| Net interest margin | 2.6266% | 7,324 |
| Noninterest income to average assets | 0.3044% | 6,087 |
| Noninterest expense to average assets | 1.3305% | 8,050 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9181% | 2,384 |
| Return on assets (ROA) | 0.9181% | 2,480 |
| Pretax return on assets | 1.4581% | 1,564 |
| Return on Equity (ROE) | 6.0446% | 3,627 |
| Retained earnings to average equity (ytd only) | 6.0446% | 1,995 |
| Net charge-offs to loans | 0.0341% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 385 |
| Efficiency ratio | 47.7113% | 7,768 |
| Assets per employee ($millions) | 8.3456% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 1,496 |
| Loan loss allowance to noncurrent loans | 705.7692% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 7,250 |
| Noncurrent loans to loans | 0.2892% | 6,789 |
| Net loans and leases to total assets | 42.2091% | 7,435 |
| Net loans and leases to deposits | 50.6674% | 7,459 |
| Net loans and leases to core deposits | 54.8418% | 7,640 |
| Total domestic deposits to total assets | 83.3062% | 4,106 |
| Equity capital to assets | 15.0163% | 1,023 |
| Core capital (leverage) ratio | 14.7795% | 964 |
| Tier 1 risk-based capital ratio | 26.0981% | 856 |
| Total risk-based capital ratio | 27.3513% | 826 |
| Memoranda: | ||
| Average total assets | $40,737,000 | 7,175 |
| Average earning assets | $38,528,330 | 7,110 |
| Average equity | $6,187,330 | 6,651 |
| Average total loans | $17,597,000 | 7,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 7,824 |
| Cost of funding earning assets | 1.6610% | 5,772 |
| Net interest margin | 2.6912% | 7,224 |
| Noninterest income to average assets | 0.3081% | 5,979 |
| Noninterest expense to average assets | 1.2226% | 8,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0238% | 2,218 |
| Return on assets (ROA) | 1.0238% | 2,359 |
| Pretax return on assets | 1.6302% | 1,332 |
| Return on Equity (ROE) | 6.7014% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.7014% | 2,330 |
| Net charge-offs to loans | -0.0460% | 7,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8571% | 7,970 |
| Assets per employee ($millions) | 8.1942% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 1,397 |
| Loan loss allowance to noncurrent loans | 590.4762% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 7,103 |
| Noncurrent loans to loans | 0.3402% | 6,580 |
| Net loans and leases to total assets | 44.2923% | 7,313 |
| Net loans and leases to deposits | 53.1921% | 7,332 |
| Net loans and leases to core deposits | 57.4872% | 7,544 |
| Total domestic deposits to total assets | 83.2687% | 4,007 |
| Equity capital to assets | 15.1034% | 1,077 |
| Core capital (leverage) ratio | 15.1075% | 943 |
| Tier 1 risk-based capital ratio | 25.3092% | 949 |
| Total risk-based capital ratio | 26.5626% | 921 |
| Memoranda: | ||
| Average total assets | $40,241,500 | 7,237 |
| Average earning assets | $38,050,500 | 7,166 |
| Average equity | $6,148,000 | 6,711 |
| Average total loans | $17,405,500 | 7,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2145% | 7,675 |
| Cost of funding earning assets | 2.3243% | 5,042 |
| Net interest margin | 2.8902% | 7,171 |
| Noninterest income to average assets | 0.3135% | 6,208 |
| Noninterest expense to average assets | 1.5969% | 7,967 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9431% | 2,821 |
| Return on assets (ROA) | 0.9431% | 2,682 |
| Pretax return on assets | 1.4120% | 1,935 |
| Return on Equity (ROE) | 6.0353% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.1094% | 1,959 |
| Net charge-offs to loans | -0.0184% | 7,918 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0721% | 7,372 |
| Assets per employee ($millions) | 7.9024% | 480 |
| Cash dividends to net income (ytd only)* | 15.3409% | 4,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2711% | 885 |
| Loan loss allowance to noncurrent loans | 560.6061% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,904 |
| Noncurrent loans to loans | 0.4051% | 6,132 |
| Net loans and leases to total assets | 40.2966% | 7,657 |
| Net loans and leases to deposits | 48.6777% | 7,683 |
| Net loans and leases to core deposits | 52.3474% | 7,836 |
| Total domestic deposits to total assets | 82.7824% | 3,864 |
| Equity capital to assets | 15.4586% | 1,060 |
| Core capital (leverage) ratio | 14.8574% | 1,066 |
| Tier 1 risk-based capital ratio | 25.9739% | 904 |
| Total risk-based capital ratio | 27.2300% | 884 |
| Memoranda: | ||
| Average total assets | $37,322,600 | 7,334 |
| Average earning assets | $34,806,800 | 7,294 |
| Average equity | $5,832,400 | 6,864 |
| Average total loans | $16,287,600 | 7,567 |