Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 2,295 |
| Cost of funding earning assets | 1.7029% | 2,665 |
| Net interest margin | 3.7497% | 1,933 |
| Noninterest income to average assets | 0.4000% | 2,329 |
| Noninterest expense to average assets | 2.3528% | 2,720 |
| Loan and lease loss provision to assets | 0.1000% | 1,488 |
| Net operating income to assets | 1.4205% | 1,316 |
| Return on assets (ROA) | 1.3642% | 1,434 |
| Pretax return on assets | 1.4200% | 1,825 |
| Return on Equity (ROE) | 11.4000% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.6750% | 3,018 |
| Net charge-offs to loans | 0.0097% | 2,224 |
| Credit loss provision to net charge-offs | 1,500.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 226.8000% | 522 |
| Efficiency ratio | 59.7730% | 2,784 |
| Assets per employee ($millions) | 6.8473% | 2,284 |
| Cash dividends to net income (ytd only)* | 67.7584% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,275 |
| Loan loss allowance to noncurrent loans | 971.7241% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,031 |
| Noncurrent loans to loans | 0.1431% | 3,013 |
| Net loans and leases to total assets | 72.9500% | 1,550 |
| Net loans and leases to deposits | 85.0590% | 1,715 |
| Net loans and leases to core deposits | 89.5560% | 2,203 |
| Total domestic deposits to total assets | 85.7700% | 2,240 |
| Equity capital to assets | 12.8416% | 986 |
| Core capital (leverage) ratio | 12.7796% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,709 |
| Memoranda: | ||
| Average total assets | $143,235,667 | 3,396 |
| Average earning assets | $134,942,333 | 3,388 |
| Average equity | $17,143,000 | 3,200 |
| Average total loans | $103,551,000 | 3,172 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 2,329 |
| Cost of funding earning assets | 1.7100% | 2,706 |
| Net interest margin | 3.6784% | 1,921 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 2.3282% | 2,778 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.3738% | 1,315 |
| Return on assets (ROA) | 1.2625% | 1,561 |
| Pretax return on assets | 1.3062% | 1,954 |
| Return on Equity (ROE) | 10.9200% | 2,041 |
| Retained earnings to average equity (ytd only) | 4.6568% | 2,664 |
| Net charge-offs to loans | 0.0038% | 2,135 |
| Credit loss provision to net charge-offs | 3,700.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 557.0000% | 168 |
| Efficiency ratio | 60.4684% | 2,909 |
| Assets per employee ($millions) | 7.8007% | 1,699 |
| Cash dividends to net income (ytd only)* | 57.3593% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 1,624 |
| Loan loss allowance to noncurrent loans | 485.8657% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 2,560 |
| Noncurrent loans to loans | 0.2714% | 2,527 |
| Net loans and leases to total assets | 69.4300% | 1,900 |
| Net loans and leases to deposits | 82.4533% | 1,843 |
| Net loans and leases to core deposits | 86.5206% | 2,284 |
| Total domestic deposits to total assets | 84.2100% | 2,832 |
| Equity capital to assets | 11.6393% | 1,366 |
| Core capital (leverage) ratio | 12.2320% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $146,380,500 | 3,389 |
| Average earning assets | $137,777,500 | 3,357 |
| Average equity | $16,921,500 | 3,221 |
| Average total loans | $104,669,000 | 3,172 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 3,049 |
| Cost of funding earning assets | 1.6844% | 2,984 |
| Net interest margin | 3.3455% | 2,401 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.3213% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1881% | 1,530 |
| Return on assets (ROA) | 1.1641% | 1,591 |
| Pretax return on assets | 1.2060% | 1,977 |
| Return on Equity (ROE) | 10.6200% | 1,998 |
| Retained earnings to average equity (ytd only) | 6.4682% | 1,629 |
| Net charge-offs to loans | 0.0236% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 74.5833% | 975 |
| Efficiency ratio | 65.3504% | 2,559 |
| Assets per employee ($millions) | 7.2274% | 2,016 |
| Cash dividends to net income (ytd only)* | 39.1022% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 1,794 |
| Loan loss allowance to noncurrent loans | 1,424.4681% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,211 |
| Noncurrent loans to loans | 0.0895% | 3,195 |
| Net loans and leases to total assets | 71.7500% | 1,697 |
| Net loans and leases to deposits | 85.3760% | 1,652 |
| Net loans and leases to core deposits | 89.8802% | 2,119 |
| Total domestic deposits to total assets | 84.0400% | 2,779 |
| Equity capital to assets | 11.4785% | 1,378 |
| Core capital (leverage) ratio | 12.1110% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $145,434,800 | 3,395 |
| Average earning assets | $136,782,600 | 3,371 |
| Average equity | $15,939,600 | 3,254 |
| Average total loans | $101,901,000 | 3,195 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 3,210 |
| Cost of funding earning assets | 1.6640% | 3,024 |
| Net interest margin | 3.2277% | 2,623 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 2.2308% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1673% | 1,584 |
| Return on assets (ROA) | 1.1360% | 1,665 |
| Pretax return on assets | 1.1900% | 2,010 |
| Return on Equity (ROE) | 10.4900% | 2,057 |
| Retained earnings to average equity (ytd only) | 4.8932% | 2,512 |
| Net charge-offs to loans | 0.0303% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 58.0870% | 1,112 |
| Efficiency ratio | 64.5905% | 2,646 |
| Assets per employee ($millions) | 7.2988% | 1,937 |
| Cash dividends to net income (ytd only)* | 53.3441% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 1,736 |
| Loan loss allowance to noncurrent loans | 1,288.4615% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,218 |
| Noncurrent loans to loans | 0.1005% | 3,184 |
| Net loans and leases to total assets | 69.9500% | 1,858 |
| Net loans and leases to deposits | 86.8678% | 1,551 |
| Net loans and leases to core deposits | 91.6029% | 2,035 |
| Total domestic deposits to total assets | 80.5200% | 3,386 |
| Equity capital to assets | 11.3923% | 1,527 |
| Core capital (leverage) ratio | 12.1715% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $145,656,500 | 3,404 |
| Average earning assets | $137,017,250 | 3,372 |
| Average equity | $15,776,500 | 3,274 |
| Average total loans | $101,111,750 | 3,201 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 3,323 |
| Cost of funding earning assets | 1.5940% | 3,087 |
| Net interest margin | 3.1836% | 2,656 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.1477% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1953% | 1,486 |
| Return on assets (ROA) | 1.1913% | 1,496 |
| Pretax return on assets | 1.2463% | 1,823 |
| Return on Equity (ROE) | 11.1900% | 1,829 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,274 |
| Net charge-offs to loans | 0.0458% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 39.5652% | 1,257 |
| Efficiency ratio | 63.2026% | 2,866 |
| Assets per employee ($millions) | 7.1521% | 1,974 |
| Cash dividends to net income (ytd only)* | 53.4025% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,597 |
| Loan loss allowance to noncurrent loans | 1,425.5319% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,130 |
| Noncurrent loans to loans | 0.0936% | 3,185 |
| Net loans and leases to total assets | 69.2600% | 1,993 |
| Net loans and leases to deposits | 84.5351% | 1,789 |
| Net loans and leases to core deposits | 89.5279% | 2,175 |
| Total domestic deposits to total assets | 81.9300% | 3,097 |
| Equity capital to assets | 10.9038% | 1,616 |
| Core capital (leverage) ratio | 12.0722% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $145,550,000 | 3,415 |
| Average earning assets | $137,392,667 | 3,380 |
| Average equity | $15,492,000 | 3,273 |
| Average total loans | $100,333,333 | 3,211 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 3,444 |
| Cost of funding earning assets | 1.4425% | 3,327 |
| Net interest margin | 3.2029% | 2,561 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.1989% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1582% | 1,531 |
| Return on assets (ROA) | 1.1635% | 1,533 |
| Pretax return on assets | 1.2098% | 1,873 |
| Return on Equity (ROE) | 11.0600% | 1,833 |
| Retained earnings to average equity (ytd only) | 11.0625% | 898 |
| Net charge-offs to loans | -0.0120% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.6117% | 2,741 |
| Assets per employee ($millions) | 7.7047% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 1,466 |
| Loan loss allowance to noncurrent loans | 376.3085% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 2,125 |
| Noncurrent loans to loans | 0.3656% | 2,032 |
| Net loans and leases to total assets | 66.8900% | 2,131 |
| Net loans and leases to deposits | 79.7253% | 2,081 |
| Net loans and leases to core deposits | 83.7433% | 2,463 |
| Total domestic deposits to total assets | 83.9000% | 2,742 |
| Equity capital to assets | 10.6606% | 1,655 |
| Core capital (leverage) ratio | 12.0361% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $146,804,000 | 3,408 |
| Average earning assets | $138,375,500 | 3,381 |
| Average equity | $15,439,500 | 3,285 |
| Average total loans | $100,292,000 | 3,216 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 3,647 |
| Cost of funding earning assets | 0.9475% | 3,415 |
| Net interest margin | 3.2417% | 2,771 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1456% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2117% | 1,624 |
| Return on assets (ROA) | 1.2110% | 1,594 |
| Pretax return on assets | 1.2789% | 1,929 |
| Return on Equity (ROE) | 12.1000% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.1413% | 2,190 |
| Net charge-offs to loans | -0.0021% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.6416% | 2,765 |
| Assets per employee ($millions) | 8.1788% | 1,345 |
| Cash dividends to net income (ytd only)* | 49.2563% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,591 |
| Loan loss allowance to noncurrent loans | 1,548.8636% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,176 |
| Noncurrent loans to loans | 0.0869% | 3,108 |
| Net loans and leases to total assets | 67.8800% | 2,053 |
| Net loans and leases to deposits | 80.8174% | 2,045 |
| Net loans and leases to core deposits | 85.0915% | 2,373 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 10.3744% | 1,799 |
| Core capital (leverage) ratio | 11.8624% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,343,200 | 3,419 |
| Average earning assets | $135,824,800 | 3,381 |
| Average equity | $14,443,200 | 3,308 |
| Average total loans | $95,126,200 | 3,228 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,714 |
| Cost of funding earning assets | 0.8453% | 3,413 |
| Net interest margin | 3.2222% | 2,864 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.0414% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2977% | 1,555 |
| Return on assets (ROA) | 1.2950% | 1,545 |
| Pretax return on assets | 1.3656% | 1,857 |
| Return on Equity (ROE) | 13.0700% | 1,879 |
| Retained earnings to average equity (ytd only) | 7.4833% | 2,146 |
| Net charge-offs to loans | -0.0028% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.8693% | 2,978 |
| Assets per employee ($millions) | 7.8386% | 1,433 |
| Cash dividends to net income (ytd only)* | 42.7240% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,269 |
| Loan loss allowance to noncurrent loans | 231.0169% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,393 |
| Noncurrent loans to loans | 0.6262% | 1,301 |
| Net loans and leases to total assets | 65.8100% | 2,263 |
| Net loans and leases to deposits | 75.4371% | 2,466 |
| Net loans and leases to core deposits | 78.8698% | 2,686 |
| Total domestic deposits to total assets | 87.2400% | 1,817 |
| Equity capital to assets | 10.0018% | 1,831 |
| Core capital (leverage) ratio | 12.0390% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,624,500 | 3,428 |
| Average earning assets | $134,853,500 | 3,402 |
| Average equity | $14,235,750 | 3,318 |
| Average total loans | $93,583,500 | 3,249 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,779 |
| Cost of funding earning assets | 0.7783% | 3,273 |
| Net interest margin | 3.1766% | 3,045 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.9672% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3328% | 1,488 |
| Return on assets (ROA) | 1.3262% | 1,484 |
| Pretax return on assets | 1.3955% | 1,822 |
| Return on Equity (ROE) | 13.4200% | 1,809 |
| Retained earnings to average equity (ytd only) | 7.8588% | 2,013 |
| Net charge-offs to loans | -0.0021% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.3813% | 3,149 |
| Assets per employee ($millions) | 7.7679% | 1,434 |
| Cash dividends to net income (ytd only)* | 41.4405% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.5100% | 2,336 |
| Net loans and leases to deposits | 72.2782% | 2,628 |
| Net loans and leases to core deposits | 74.5833% | 2,854 |
| Total domestic deposits to total assets | 89.2500% | 1,157 |
| Equity capital to assets | 10.3495% | 1,657 |
| Core capital (leverage) ratio | 11.9037% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,468,000 | 3,431 |
| Average earning assets | $135,930,667 | 3,402 |
| Average equity | $14,277,000 | 3,329 |
| Average total loans | $93,373,333 | 3,250 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,724 |
| Cost of funding earning assets | 0.6945% | 3,070 |
| Net interest margin | 3.1820% | 3,153 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.9620% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3137% | 1,637 |
| Return on assets (ROA) | 1.3189% | 1,593 |
| Pretax return on assets | 1.3925% | 1,899 |
| Return on Equity (ROE) | 13.6500% | 1,845 |
| Retained earnings to average equity (ytd only) | 13.6530% | 984 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5842% | 3,119 |
| Assets per employee ($millions) | 7.9954% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,328 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.8400% | 2,374 |
| Net loans and leases to deposits | 71.8864% | 2,478 |
| Net loans and leases to core deposits | 73.7922% | 2,692 |
| Total domestic deposits to total assets | 87.4100% | 2,129 |
| Equity capital to assets | 10.1634% | 1,740 |
| Core capital (leverage) ratio | 11.3375% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $146,790,500 | 3,454 |
| Average earning assets | $137,651,000 | 3,435 |
| Average equity | $14,180,000 | 3,372 |
| Average total loans | $94,278,500 | 3,278 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 3,861 |
| Cost of funding earning assets | 0.2205% | 3,594 |
| Net interest margin | 2.9554% | 3,559 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.9138% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1848% | 1,836 |
| Return on assets (ROA) | 1.1077% | 2,075 |
| Pretax return on assets | 1.1413% | 2,633 |
| Return on Equity (ROE) | 11.8000% | 2,218 |
| Retained earnings to average equity (ytd only) | 8.4180% | 1,670 |
| Net charge-offs to loans | -0.1443% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.0540% | 2,904 |
| Assets per employee ($millions) | 6.8029% | 2,114 |
| Cash dividends to net income (ytd only)* | 28.6510% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,469 |
| Loan loss allowance to noncurrent loans | 284.9372% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 1,586 |
| Noncurrent loans to loans | 0.4940% | 1,465 |
| Net loans and leases to total assets | 63.7400% | 2,269 |
| Net loans and leases to deposits | 77.6615% | 1,981 |
| Net loans and leases to core deposits | 79.7514% | 2,151 |
| Total domestic deposits to total assets | 82.0800% | 3,620 |
| Equity capital to assets | 9.1759% | 2,242 |
| Core capital (leverage) ratio | 11.1497% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,891,000 | 3,483 |
| Average earning assets | $136,970,000 | 3,450 |
| Average equity | $13,696,800 | 3,505 |
| Average total loans | $90,797,000 | 3,278 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 3,753 |
| Cost of funding earning assets | 0.1876% | 3,422 |
| Net interest margin | 2.8776% | 3,547 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.9997% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0605% | 2,250 |
| Return on assets (ROA) | 1.0551% | 2,232 |
| Pretax return on assets | 1.0707% | 2,809 |
| Return on Equity (ROE) | 11.1700% | 2,312 |
| Retained earnings to average equity (ytd only) | 7.9485% | 2,020 |
| Net charge-offs to loans | -0.1941% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.0120% | 2,404 |
| Assets per employee ($millions) | 7.3333% | 1,722 |
| Cash dividends to net income (ytd only)* | 28.8579% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,337 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 61.6200% | 2,339 |
| Net loans and leases to deposits | 67.6804% | 2,561 |
| Net loans and leases to core deposits | 69.3635% | 2,692 |
| Total domestic deposits to total assets | 91.0400% | 1,224 |
| Equity capital to assets | 8.6237% | 2,465 |
| Core capital (leverage) ratio | 10.8296% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,948,000 | 3,512 |
| Average earning assets | $136,452,500 | 3,482 |
| Average equity | $13,687,750 | 3,546 |
| Average total loans | $89,306,500 | 3,310 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9783% | 3,610 |
| Cost of funding earning assets | 0.1633% | 3,397 |
| Net interest margin | 2.8150% | 3,403 |
| Noninterest income to average assets | 0.3422% | 3,108 |
| Noninterest expense to average assets | 2.0502% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9475% | 2,368 |
| Return on assets (ROA) | 0.9406% | 2,373 |
| Pretax return on assets | 0.9364% | 2,945 |
| Return on Equity (ROE) | 9.6763% | 2,465 |
| Retained earnings to average equity (ytd only) | 6.8404% | 2,036 |
| Net charge-offs to loans | 0.0045% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 340.5000% | 365 |
| Efficiency ratio | 68.4868% | 2,174 |
| Assets per employee ($millions) | 6.2477% | 2,522 |
| Cash dividends to net income (ytd only)* | 29.3078% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 59.3801% | 2,398 |
| Net loans and leases to deposits | 65.7862% | 2,562 |
| Net loans and leases to core deposits | 67.4711% | 2,701 |
| Total domestic deposits to total assets | 90.2622% | 1,603 |
| Equity capital to assets | 9.3620% | 2,121 |
| Core capital (leverage) ratio | 10.5220% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,375,333 | 3,559 |
| Average earning assets | $135,984,667 | 3,534 |
| Average equity | $14,034,333 | 3,581 |
| Average total loans | $88,497,333 | 3,346 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9706% | 3,340 |
| Cost of funding earning assets | 0.1614% | 3,348 |
| Net interest margin | 2.8091% | 3,110 |
| Noninterest income to average assets | 0.3427% | 3,041 |
| Noninterest expense to average assets | 2.1283% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9232% | 2,186 |
| Return on assets (ROA) | 0.9232% | 2,179 |
| Pretax return on assets | 0.8596% | 2,910 |
| Return on Equity (ROE) | 9.3264% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.3264% | 1,177 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2303% | 2,076 |
| Assets per employee ($millions) | 7.0192% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,897 |
| Loan loss allowance to noncurrent loans | 172.9958% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 1,258 |
| Noncurrent loans to loans | 0.8102% | 1,169 |
| Net loans and leases to total assets | 58.7030% | 2,214 |
| Net loans and leases to deposits | 64.9947% | 2,433 |
| Net loans and leases to core deposits | 66.6118% | 2,570 |
| Total domestic deposits to total assets | 90.3197% | 1,376 |
| Equity capital to assets | 9.3628% | 2,396 |
| Core capital (leverage) ratio | 10.2314% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,714,000 | 3,569 |
| Average earning assets | $136,270,500 | 3,546 |
| Average equity | $14,325,000 | 3,621 |
| Average total loans | $89,467,500 | 3,335 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 2,813 |
| Cost of funding earning assets | 0.2198% | 3,257 |
| Net interest margin | 3.2265% | 2,534 |
| Noninterest income to average assets | 0.4003% | 3,043 |
| Noninterest expense to average assets | 2.0216% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2915% | 1,621 |
| Return on assets (ROA) | 1.2992% | 1,647 |
| Pretax return on assets | 1.3679% | 2,150 |
| Return on Equity (ROE) | 11.9442% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.8515% | 1,981 |
| Net charge-offs to loans | 0.1892% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 11.8013% | 2,139 |
| Efficiency ratio | 59.7859% | 3,184 |
| Assets per employee ($millions) | 7.1013% | 1,861 |
| Cash dividends to net income (ytd only)* | 42.6379% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,134 |
| Loan loss allowance to noncurrent loans | 78.4576% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 474 |
| Noncurrent loans to loans | 1.7209% | 496 |
| Net loans and leases to total assets | 63.3297% | 1,782 |
| Net loans and leases to deposits | 71.0295% | 2,015 |
| Net loans and leases to core deposits | 72.7373% | 2,187 |
| Total domestic deposits to total assets | 89.1597% | 1,434 |
| Equity capital to assets | 10.4552% | 2,215 |
| Core capital (leverage) ratio | 10.5955% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,387,000 | 3,626 |
| Average earning assets | $125,090,800 | 3,628 |
| Average equity | $14,726,800 | 3,668 |
| Average total loans | $82,452,000 | 3,431 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 2,222 |
| Cost of funding earning assets | 0.2336% | 3,279 |
| Net interest margin | 3.4857% | 1,909 |
| Noninterest income to average assets | 0.3829% | 3,189 |
| Noninterest expense to average assets | 2.0369% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4581% | 1,369 |
| Return on assets (ROA) | 1.4656% | 1,401 |
| Pretax return on assets | 1.5524% | 1,844 |
| Return on Equity (ROE) | 13.3364% | 1,602 |
| Retained earnings to average equity (ytd only) | 7.8930% | 2,090 |
| Net charge-offs to loans | 0.0332% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 77.4500% | 999 |
| Efficiency ratio | 56.8764% | 3,430 |
| Assets per employee ($millions) | 7.0352% | 1,842 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,155 |
| Loan loss allowance to noncurrent loans | 317.6334% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 2,237 |
| Noncurrent loans to loans | 0.5278% | 1,988 |
| Net loans and leases to total assets | 57.0627% | 2,605 |
| Net loans and leases to deposits | 64.1291% | 2,842 |
| Net loans and leases to core deposits | 65.6949% | 2,978 |
| Total domestic deposits to total assets | 88.9810% | 1,288 |
| Equity capital to assets | 10.6089% | 2,354 |
| Core capital (leverage) ratio | 10.9844% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,727,500 | 3,681 |
| Average earning assets | $122,708,500 | 3,689 |
| Average equity | $14,696,250 | 3,715 |
| Average total loans | $80,271,250 | 3,521 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 1,202 |
| Cost of funding earning assets | 0.2557% | 3,235 |
| Net interest margin | 3.9377% | 914 |
| Noninterest income to average assets | 0.3820% | 3,204 |
| Noninterest expense to average assets | 2.0959% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8040% | 707 |
| Return on assets (ROA) | 1.8112% | 733 |
| Pretax return on assets | 1.9041% | 1,015 |
| Return on Equity (ROE) | 16.2798% | 903 |
| Retained earnings to average equity (ytd only) | 10.1236% | 1,362 |
| Net charge-offs to loans | 0.0150% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 207.6667% | 487 |
| Efficiency ratio | 52.4971% | 3,987 |
| Assets per employee ($millions) | 6.2804% | 2,354 |
| Cash dividends to net income (ytd only)* | 37.8151% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 1,035 |
| Loan loss allowance to noncurrent loans | 135.4902% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 1,061 |
| Noncurrent loans to loans | 1.2640% | 939 |
| Net loans and leases to total assets | 60.1377% | 2,410 |
| Net loans and leases to deposits | 68.2755% | 2,590 |
| Net loans and leases to core deposits | 70.0755% | 2,772 |
| Total domestic deposits to total assets | 88.0809% | 1,779 |
| Equity capital to assets | 11.2731% | 1,776 |
| Core capital (leverage) ratio | 10.8112% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,402,333 | 3,712 |
| Average earning assets | $120,476,667 | 3,726 |
| Average equity | $14,619,333 | 3,726 |
| Average total loans | $79,809,000 | 3,555 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 1,129 |
| Cost of funding earning assets | 0.2757% | 3,216 |
| Net interest margin | 3.9665% | 892 |
| Noninterest income to average assets | 0.3782% | 3,204 |
| Noninterest expense to average assets | 2.0952% | 3,439 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8487% | 720 |
| Return on assets (ROA) | 1.8634% | 757 |
| Pretax return on assets | 1.9396% | 1,047 |
| Return on Equity (ROE) | 16.8610% | 872 |
| Retained earnings to average equity (ytd only) | 16.8610% | 435 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1244% | 3,980 |
| Assets per employee ($millions) | 6.5708% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 1,015 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 2,458 |
| Noncurrent loans to loans | 0.5713% | 2,144 |
| Net loans and leases to total assets | 57.7214% | 2,828 |
| Net loans and leases to deposits | 64.9509% | 3,030 |
| Net loans and leases to core deposits | 66.1517% | 3,230 |
| Total domestic deposits to total assets | 88.8692% | 1,405 |
| Equity capital to assets | 10.6785% | 2,107 |
| Core capital (leverage) ratio | 11.0501% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,159,000 | 3,726 |
| Average earning assets | $120,407,000 | 3,735 |
| Average equity | $14,495,000 | 3,745 |
| Average total loans | $79,365,000 | 3,576 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 2,800 |
| Cost of funding earning assets | 0.4719% | 3,140 |
| Net interest margin | 3.5044% | 2,463 |
| Noninterest income to average assets | 0.4824% | 2,714 |
| Noninterest expense to average assets | 2.4605% | 2,957 |
| Loan and lease loss provision to assets | 0.2079% | 1,897 |
| Net operating income to assets | 1.0160% | 2,234 |
| Return on assets (ROA) | 1.0982% | 2,051 |
| Pretax return on assets | 1.1761% | 2,413 |
| Return on Equity (ROE) | 9.1003% | 2,355 |
| Retained earnings to average equity (ytd only) | 4.7942% | 2,373 |
| Net charge-offs to loans | -0.0025% | 4,009 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5061% | 2,605 |
| Assets per employee ($millions) | 5.9205% | 2,411 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 880 |
| Loan loss allowance to noncurrent loans | 290.3766% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 2,447 |
| Noncurrent loans to loans | 0.6152% | 2,160 |
| Net loans and leases to total assets | 61.3725% | 2,677 |
| Net loans and leases to deposits | 69.7206% | 2,909 |
| Net loans and leases to core deposits | 71.1469% | 3,162 |
| Total domestic deposits to total assets | 88.0263% | 1,458 |
| Equity capital to assets | 11.4654% | 1,911 |
| Core capital (leverage) ratio | 11.3291% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,462,600 | 3,802 |
| Average earning assets | $107,863,000 | 3,800 |
| Average equity | $13,933,600 | 3,766 |
| Average total loans | $81,070,800 | 3,535 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1345% | 2,570 |
| Cost of funding earning assets | 0.5108% | 3,156 |
| Net interest margin | 3.6236% | 2,180 |
| Noninterest income to average assets | 0.4745% | 2,719 |
| Noninterest expense to average assets | 2.4324% | 3,046 |
| Loan and lease loss provision to assets | 0.2534% | 1,604 |
| Net operating income to assets | 1.1231% | 1,907 |
| Return on assets (ROA) | 1.2339% | 1,658 |
| Pretax return on assets | 1.3045% | 2,030 |
| Return on Equity (ROE) | 10.0864% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.2742% | 2,441 |
| Net charge-offs to loans | -0.0016% | 3,864 |
| Credit loss provision to net charge-offs | -21,500.0000% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7964% | 2,943 |
| Assets per employee ($millions) | 5.6492% | 2,580 |
| Cash dividends to net income (ytd only)* | 47.7099% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 1,008 |
| Loan loss allowance to noncurrent loans | 70.9526% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 500 |
| Noncurrent loans to loans | 2.3060% | 486 |
| Net loans and leases to total assets | 69.0713% | 2,098 |
| Net loans and leases to deposits | 78.9049% | 2,438 |
| Net loans and leases to core deposits | 80.9056% | 2,762 |
| Total domestic deposits to total assets | 87.5373% | 1,423 |
| Equity capital to assets | 11.9215% | 1,729 |
| Core capital (leverage) ratio | 11.9604% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,245,500 | 3,826 |
| Average earning assets | $106,225,750 | 3,816 |
| Average equity | $13,853,250 | 3,776 |
| Average total loans | $81,915,250 | 3,542 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,435 |
| Cost of funding earning assets | 0.5655% | 3,154 |
| Net interest margin | 3.7495% | 1,995 |
| Noninterest income to average assets | 0.4379% | 2,870 |
| Noninterest expense to average assets | 2.4154% | 3,215 |
| Loan and lease loss provision to assets | 0.2692% | 1,593 |
| Net operating income to assets | 1.2059% | 1,623 |
| Return on assets (ROA) | 1.3764% | 1,255 |
| Pretax return on assets | 1.4410% | 1,610 |
| Return on Equity (ROE) | 11.1510% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.7894% | 1,746 |
| Net charge-offs to loans | -0.0025% | 3,852 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1818% | 3,252 |
| Assets per employee ($millions) | 5.1863% | 2,951 |
| Cash dividends to net income (ytd only)* | 39.1134% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 966 |
| Loan loss allowance to noncurrent loans | 187.6990% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 1,989 |
| Noncurrent loans to loans | 0.8617% | 1,768 |
| Net loans and leases to total assets | 69.1461% | 2,167 |
| Net loans and leases to deposits | 80.5454% | 2,365 |
| Net loans and leases to core deposits | 82.7139% | 2,723 |
| Total domestic deposits to total assets | 85.8474% | 2,081 |
| Equity capital to assets | 12.3165% | 1,472 |
| Core capital (leverage) ratio | 12.1239% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,449,333 | 3,846 |
| Average earning assets | $104,333,333 | 3,836 |
| Average equity | $13,756,667 | 3,795 |
| Average total loans | $81,452,000 | 3,553 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,749 |
| Cost of funding earning assets | 0.6782% | 3,022 |
| Net interest margin | 3.6818% | 2,388 |
| Noninterest income to average assets | 0.4359% | 2,874 |
| Noninterest expense to average assets | 2.4554% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3807% | 1,036 |
| Return on assets (ROA) | 1.7398% | 515 |
| Pretax return on assets | 1.8052% | 688 |
| Return on Equity (ROE) | 14.0794% | 683 |
| Retained earnings to average equity (ytd only) | 9.6704% | 812 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1776% | 3,343 |
| Assets per employee ($millions) | 5.1200% | 2,513 |
| Cash dividends to net income (ytd only)* | 31.3152% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,668 |
| Loan loss allowance to noncurrent loans | 221.0019% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 2,555 |
| Noncurrent loans to loans | 0.6367% | 2,400 |
| Net loans and leases to total assets | 74.7461% | 1,499 |
| Net loans and leases to deposits | 86.2316% | 1,971 |
| Net loans and leases to core deposits | 88.6740% | 2,467 |
| Total domestic deposits to total assets | 86.6806% | 1,701 |
| Equity capital to assets | 12.8106% | 1,542 |
| Core capital (leverage) ratio | 12.2733% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,124,500 | 3,846 |
| Average earning assets | $103,211,000 | 3,834 |
| Average equity | $13,608,500 | 3,821 |
| Average total loans | $82,082,000 | 3,547 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 3,314 |
| Cost of funding earning assets | 0.7565% | 2,880 |
| Net interest margin | 3.6191% | 3,081 |
| Noninterest income to average assets | 0.4290% | 3,112 |
| Noninterest expense to average assets | 2.3783% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3649% | 1,461 |
| Return on assets (ROA) | 1.4175% | 1,360 |
| Pretax return on assets | 1.4881% | 1,841 |
| Return on Equity (ROE) | 12.3823% | 1,370 |
| Retained earnings to average equity (ytd only) | 5.2777% | 2,280 |
| Net charge-offs to loans | -0.0037% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4062% | 3,305 |
| Assets per employee ($millions) | 5.3680% | 2,175 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 1,567 |
| Loan loss allowance to noncurrent loans | 326.7806% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 3,176 |
| Noncurrent loans to loans | 0.4247% | 2,928 |
| Net loans and leases to total assets | 72.2999% | 2,044 |
| Net loans and leases to deposits | 86.6565% | 2,015 |
| Net loans and leases to core deposits | 89.3850% | 2,476 |
| Total domestic deposits to total assets | 83.4328% | 3,053 |
| Equity capital to assets | 11.9251% | 2,180 |
| Core capital (leverage) ratio | 11.7174% | 1,949 |
| Tier 1 risk-based capital ratio | 15.0642% | 2,758 |
| Total risk-based capital ratio | 16.3201% | 2,685 |
| Memoranda: | ||
| Average total assets | $111,886,000 | 3,807 |
| Average earning assets | $104,555,200 | 3,799 |
| Average equity | $12,808,600 | 3,905 |
| Average total loans | $80,330,000 | 3,598 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 3,433 |
| Cost of funding earning assets | 0.7227% | 3,105 |
| Net interest margin | 3.6519% | 3,086 |
| Noninterest income to average assets | 0.4274% | 3,160 |
| Noninterest expense to average assets | 2.7352% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0136% | 2,931 |
| Return on assets (ROA) | 1.0268% | 2,956 |
| Pretax return on assets | 1.1211% | 3,235 |
| Return on Equity (ROE) | 9.0643% | 2,863 |
| Retained earnings to average equity (ytd only) | -0.5270% | 4,811 |
| Net charge-offs to loans | -0.0033% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1933% | 1,943 |
| Assets per employee ($millions) | 5.3720% | 2,155 |
| Cash dividends to net income (ytd only)* | 105.8135% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,537 |
| Loan loss allowance to noncurrent loans | 666.2791% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 3,978 |
| Noncurrent loans to loans | 0.2116% | 3,779 |
| Net loans and leases to total assets | 71.0503% | 2,314 |
| Net loans and leases to deposits | 85.5368% | 2,256 |
| Net loans and leases to core deposits | 88.2306% | 2,708 |
| Total domestic deposits to total assets | 83.0640% | 3,144 |
| Equity capital to assets | 11.3152% | 2,826 |
| Core capital (leverage) ratio | 11.0905% | 2,571 |
| Tier 1 risk-based capital ratio | 14.4531% | 3,102 |
| Total risk-based capital ratio | 15.7098% | 3,014 |
| Memoranda: | ||
| Average total assets | $111,675,250 | 3,850 |
| Average earning assets | $104,416,750 | 3,839 |
| Average equity | $12,650,000 | 3,960 |
| Average total loans | $79,750,000 | 3,647 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 3,539 |
| Cost of funding earning assets | 0.6499% | 3,412 |
| Net interest margin | 3.6816% | 2,985 |
| Noninterest income to average assets | 0.4025% | 3,264 |
| Noninterest expense to average assets | 2.4511% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2951% | 1,792 |
| Return on assets (ROA) | 1.3154% | 1,778 |
| Pretax return on assets | 1.4035% | 2,199 |
| Return on Equity (ROE) | 11.6083% | 1,738 |
| Retained earnings to average equity (ytd only) | -0.4440% | 4,760 |
| Net charge-offs to loans | -0.0050% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9475% | 3,140 |
| Assets per employee ($millions) | 5.2006% | 2,254 |
| Cash dividends to net income (ytd only)* | 103.8251% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,369 |
| Loan loss allowance to noncurrent loans | 650.5682% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 3,991 |
| Noncurrent loans to loans | 0.2255% | 3,732 |
| Net loans and leases to total assets | 67.2007% | 2,937 |
| Net loans and leases to deposits | 82.6120% | 2,664 |
| Net loans and leases to core deposits | 85.2321% | 3,015 |
| Total domestic deposits to total assets | 81.3449% | 3,710 |
| Equity capital to assets | 11.1271% | 2,923 |
| Core capital (leverage) ratio | 11.2887% | 2,340 |
| Tier 1 risk-based capital ratio | 14.7795% | 2,927 |
| Total risk-based capital ratio | 16.0351% | 2,853 |
| Memoranda: | ||
| Average total assets | $111,296,000 | 3,880 |
| Average earning assets | $103,705,670 | 3,875 |
| Average equity | $12,611,670 | 3,971 |
| Average total loans | $79,233,330 | 3,672 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 3,438 |
| Cost of funding earning assets | 0.6017% | 3,562 |
| Net interest margin | 3.7355% | 2,763 |
| Noninterest income to average assets | 0.4082% | 3,132 |
| Noninterest expense to average assets | 2.3219% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5024% | 1,109 |
| Return on assets (ROA) | 1.5164% | 1,102 |
| Pretax return on assets | 1.5856% | 1,512 |
| Return on Equity (ROE) | 13.2569% | 1,143 |
| Retained earnings to average equity (ytd only) | 6.8834% | 2,086 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6442% | 3,855 |
| Assets per employee ($millions) | 4.9565% | 2,580 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,477 |
| Loan loss allowance to noncurrent loans | 97.2789% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0785% | 1,284 |
| Noncurrent loans to loans | 1.5006% | 1,073 |
| Net loans and leases to total assets | 70.8198% | 2,358 |
| Net loans and leases to deposits | 81.4840% | 2,664 |
| Net loans and leases to core deposits | 84.2615% | 3,000 |
| Total domestic deposits to total assets | 86.9125% | 1,859 |
| Equity capital to assets | 11.7312% | 2,202 |
| Core capital (leverage) ratio | 11.8613% | 1,859 |
| Tier 1 risk-based capital ratio | 15.2034% | 2,791 |
| Total risk-based capital ratio | 16.4595% | 2,696 |
| Memoranda: | ||
| Average total assets | $109,737,000 | 3,941 |
| Average earning assets | $102,370,000 | 3,935 |
| Average equity | $12,552,000 | 3,998 |
| Average total loans | $79,834,000 | 3,698 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,736 |
| Cost of funding earning assets | 0.4270% | 3,817 |
| Net interest margin | 3.6745% | 3,141 |
| Noninterest income to average assets | 0.6631% | 1,999 |
| Noninterest expense to average assets | 2.4100% | 3,852 |
| Loan and lease loss provision to assets | 0.1824% | 1,069 |
| Net operating income to assets | 1.3841% | 1,484 |
| Return on assets (ROA) | 1.3841% | 1,476 |
| Pretax return on assets | 1.4589% | 1,921 |
| Return on Equity (ROE) | 12.5917% | 1,513 |
| Retained earnings to average equity (ytd only) | 7.4869% | 1,463 |
| Net charge-offs to loans | -0.0180% | 4,674 |
| Credit loss provision to net charge-offs | -1,392.8571% | 4,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4875% | 3,942 |
| Assets per employee ($millions) | 5.0196% | 2,474 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,611 |
| Loan loss allowance to noncurrent loans | 16,342.8571% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 4,885 |
| Noncurrent loans to loans | 0.0086% | 4,776 |
| Net loans and leases to total assets | 72.5847% | 2,158 |
| Net loans and leases to deposits | 82.2357% | 2,704 |
| Net loans and leases to core deposits | 86.0089% | 2,917 |
| Total domestic deposits to total assets | 88.2642% | 1,172 |
| Equity capital to assets | 11.1490% | 2,552 |
| Core capital (leverage) ratio | 11.6429% | 1,997 |
| Tier 1 risk-based capital ratio | 14.4882% | 3,066 |
| Total risk-based capital ratio | 15.7430% | 2,981 |
| Memoranda: | ||
| Average total assets | $106,928,800 | 3,988 |
| Average earning assets | $98,598,800 | 3,994 |
| Average equity | $11,753,800 | 4,053 |
| Average total loans | $77,860,800 | 3,708 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,842 |
| Cost of funding earning assets | 0.4061% | 3,814 |
| Net interest margin | 3.6247% | 3,287 |
| Noninterest income to average assets | 0.7468% | 1,689 |
| Noninterest expense to average assets | 2.3748% | 3,913 |
| Loan and lease loss provision to assets | 0.2389% | 669 |
| Net operating income to assets | 1.3905% | 1,527 |
| Return on assets (ROA) | 1.3905% | 1,525 |
| Pretax return on assets | 1.4659% | 2,015 |
| Return on Equity (ROE) | 12.6967% | 1,540 |
| Retained earnings to average equity (ytd only) | 5.8088% | 2,752 |
| Net charge-offs to loans | -0.0623% | 5,012 |
| Credit loss provision to net charge-offs | -527.7778% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2126% | 4,088 |
| Assets per employee ($millions) | 5.1479% | 2,282 |
| Cash dividends to net income (ytd only)* | 54.2495% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,233 |
| Loan loss allowance to noncurrent loans | 500.4310% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 3,873 |
| Noncurrent loans to loans | 0.3075% | 3,572 |
| Net loans and leases to total assets | 68.7066% | 2,839 |
| Net loans and leases to deposits | 77.6458% | 3,270 |
| Net loans and leases to core deposits | 79.6389% | 3,526 |
| Total domestic deposits to total assets | 88.4872% | 1,051 |
| Equity capital to assets | 10.8495% | 2,801 |
| Core capital (leverage) ratio | 11.7661% | 1,945 |
| Tier 1 risk-based capital ratio | 14.9732% | 2,896 |
| Total risk-based capital ratio | 16.2322% | 2,813 |
| Memoranda: | ||
| Average total assets | $106,053,250 | 4,040 |
| Average earning assets | $97,514,250 | 4,051 |
| Average equity | $11,614,250 | 4,111 |
| Average total loans | $77,001,000 | 3,760 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,620 |
| Cost of funding earning assets | 0.3932% | 3,773 |
| Net interest margin | 3.6526% | 3,108 |
| Noninterest income to average assets | 0.5410% | 2,626 |
| Noninterest expense to average assets | 2.3973% | 3,905 |
| Loan and lease loss provision to assets | 0.0569% | 2,770 |
| Net operating income to assets | 1.3647% | 1,553 |
| Return on assets (ROA) | 1.3647% | 1,554 |
| Pretax return on assets | 1.4369% | 2,033 |
| Return on Equity (ROE) | 12.4223% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.9433% | 2,589 |
| Net charge-offs to loans | -0.0929% | 5,134 |
| Credit loss provision to net charge-offs | -83.3333% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6098% | 3,679 |
| Assets per employee ($millions) | 4.9105% | 2,540 |
| Cash dividends to net income (ytd only)* | 52.1558% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 1,926 |
| Loan loss allowance to noncurrent loans | 196.4637% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 1,348 |
| Noncurrent loans to loans | 0.6888% | 2,385 |
| Net loans and leases to total assets | 70.6895% | 2,480 |
| Net loans and leases to deposits | 80.3136% | 2,916 |
| Net loans and leases to core deposits | 82.1741% | 3,228 |
| Total domestic deposits to total assets | 88.0169% | 1,373 |
| Equity capital to assets | 11.3101% | 2,353 |
| Core capital (leverage) ratio | 11.6233% | 1,967 |
| Tier 1 risk-based capital ratio | 15.0608% | 2,847 |
| Total risk-based capital ratio | 16.3178% | 2,768 |
| Memoranda: | ||
| Average total assets | $105,369,000 | 4,085 |
| Average earning assets | $96,644,670 | 4,104 |
| Average equity | $11,576,000 | 4,139 |
| Average total loans | $77,522,330 | 3,763 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,688 |
| Cost of funding earning assets | 0.3899% | 3,665 |
| Net interest margin | 3.5905% | 3,218 |
| Noninterest income to average assets | 0.5183% | 2,696 |
| Noninterest expense to average assets | 2.3964% | 3,956 |
| Loan and lease loss provision to assets | 0.0563% | 2,643 |
| Net operating income to assets | 1.3184% | 1,582 |
| Return on assets (ROA) | 1.3184% | 1,589 |
| Pretax return on assets | 1.3860% | 2,061 |
| Return on Equity (ROE) | 12.1743% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.1045% | 2,660 |
| Net charge-offs to loans | -0.1815% | 5,359 |
| Credit loss provision to net charge-offs | -41.6667% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4266% | 3,712 |
| Assets per employee ($millions) | 4.9407% | 2,553 |
| Cash dividends to net income (ytd only)* | 49.8575% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,321 |
| Loan loss allowance to noncurrent loans | 173.4155% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 1,276 |
| Noncurrent loans to loans | 0.7400% | 2,354 |
| Net loans and leases to total assets | 73.0275% | 2,021 |
| Net loans and leases to deposits | 83.4699% | 2,458 |
| Net loans and leases to core deposits | 85.1500% | 2,877 |
| Total domestic deposits to total assets | 87.4896% | 1,904 |
| Equity capital to assets | 11.1070% | 2,479 |
| Core capital (leverage) ratio | 11.2490% | 2,208 |
| Tier 1 risk-based capital ratio | 14.4839% | 3,132 |
| Total risk-based capital ratio | 15.7014% | 3,058 |
| Memoranda: | ||
| Average total assets | $106,493,500 | 4,116 |
| Average earning assets | $98,482,500 | 4,123 |
| Average equity | $11,532,500 | 4,188 |
| Average total loans | $79,336,000 | 3,755 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,784 |
| Cost of funding earning assets | 0.3517% | 3,703 |
| Net interest margin | 3.5306% | 3,427 |
| Noninterest income to average assets | 0.4924% | 3,045 |
| Noninterest expense to average assets | 2.3889% | 4,108 |
| Loan and lease loss provision to assets | 0.0341% | 3,580 |
| Net operating income to assets | 1.2532% | 1,352 |
| Return on assets (ROA) | 1.2271% | 1,456 |
| Pretax return on assets | 1.2925% | 2,381 |
| Return on Equity (ROE) | 11.6150% | 1,311 |
| Retained earnings to average equity (ytd only) | 6.2377% | 1,417 |
| Net charge-offs to loans | 0.0424% | 2,941 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 44.6875% | 1,179 |
| Efficiency ratio | 63.8249% | 3,629 |
| Assets per employee ($millions) | 5.2016% | 2,252 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 3,116 |
| Loan loss allowance to noncurrent loans | 1,638.5965% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 2,305 |
| Noncurrent loans to loans | 0.0696% | 4,687 |
| Net loans and leases to total assets | 74.1388% | 1,897 |
| Net loans and leases to deposits | 93.2308% | 1,363 |
| Net loans and leases to core deposits | 95.1689% | 2,100 |
| Total domestic deposits to total assets | 79.5218% | 4,439 |
| Equity capital to assets | 10.5655% | 3,091 |
| Core capital (leverage) ratio | 10.8831% | 2,440 |
| Tier 1 risk-based capital ratio | 13.5750% | 3,583 |
| Total risk-based capital ratio | 14.6726% | 3,586 |
| Memoranda: | ||
| Average total assets | $105,613,200 | 4,145 |
| Average earning assets | $97,236,800 | 4,143 |
| Average equity | $11,158,000 | 4,276 |
| Average total loans | $75,504,400 | 3,834 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,850 |
| Cost of funding earning assets | 0.3439% | 3,733 |
| Net interest margin | 3.5016% | 3,497 |
| Noninterest income to average assets | 0.4991% | 3,031 |
| Noninterest expense to average assets | 2.3519% | 4,150 |
| Loan and lease loss provision to assets | 0.0267% | 3,594 |
| Net operating income to assets | 1.2686% | 1,437 |
| Return on assets (ROA) | 1.2262% | 1,620 |
| Pretax return on assets | 1.2912% | 2,533 |
| Return on Equity (ROE) | 11.6068% | 1,457 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,294 |
| Net charge-offs to loans | 0.0253% | 2,940 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 76.4130% | 843 |
| Efficiency ratio | 63.3185% | 3,665 |
| Assets per employee ($millions) | 4.7401% | 2,773 |
| Cash dividends to net income (ytd only)* | 62.3052% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,773 |
| Loan loss allowance to noncurrent loans | 311.2957% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 1,827 |
| Noncurrent loans to loans | 0.3935% | 3,545 |
| Net loans and leases to total assets | 72.4583% | 2,189 |
| Net loans and leases to deposits | 82.9803% | 2,662 |
| Net loans and leases to core deposits | 84.6224% | 3,078 |
| Total domestic deposits to total assets | 87.3200% | 1,717 |
| Equity capital to assets | 10.9242% | 2,939 |
| Core capital (leverage) ratio | 10.9445% | 2,511 |
| Tier 1 risk-based capital ratio | 13.8261% | 3,521 |
| Total risk-based capital ratio | 14.9806% | 3,497 |
| Memoranda: | ||
| Average total assets | $104,708,250 | 4,201 |
| Average earning assets | $96,144,750 | 4,204 |
| Average equity | $11,062,250 | 4,332 |
| Average total loans | $73,901,000 | 3,905 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,838 |
| Cost of funding earning assets | 0.3335% | 3,759 |
| Net interest margin | 3.4829% | 3,464 |
| Noninterest income to average assets | 0.4921% | 3,071 |
| Noninterest expense to average assets | 2.3805% | 4,111 |
| Loan and lease loss provision to assets | 0.0114% | 3,724 |
| Net operating income to assets | 1.2174% | 1,542 |
| Return on assets (ROA) | 1.1540% | 1,809 |
| Pretax return on assets | 1.2208% | 2,694 |
| Return on Equity (ROE) | 11.0479% | 1,626 |
| Retained earnings to average equity (ytd only) | 2.8304% | 4,024 |
| Net charge-offs to loans | 0.0411% | 2,374 |
| Credit loss provision to net charge-offs | 40.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 1,154 |
| Efficiency ratio | 64.6967% | 3,556 |
| Assets per employee ($millions) | 4.7935% | 2,664 |
| Cash dividends to net income (ytd only)* | 74.3802% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,757 |
| Loan loss allowance to noncurrent loans | 2,364.1026% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 2,520 |
| Noncurrent loans to loans | 0.0524% | 4,927 |
| Net loans and leases to total assets | 69.6480% | 2,577 |
| Net loans and leases to deposits | 85.6996% | 2,254 |
| Net loans and leases to core deposits | 87.5162% | 2,746 |
| Total domestic deposits to total assets | 81.2699% | 4,116 |
| Equity capital to assets | 10.6149% | 3,209 |
| Core capital (leverage) ratio | 10.6817% | 2,723 |
| Tier 1 risk-based capital ratio | 13.7722% | 3,552 |
| Total risk-based capital ratio | 14.9239% | 3,525 |
| Memoranda: | ||
| Average total assets | $104,850,330 | 4,231 |
| Average earning assets | $95,953,670 | 4,235 |
| Average equity | $10,952,330 | 4,368 |
| Average total loans | $73,035,330 | 3,946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 3,950 |
| Cost of funding earning assets | 0.3060% | 3,981 |
| Net interest margin | 3.4400% | 3,485 |
| Noninterest income to average assets | 0.4859% | 3,066 |
| Noninterest expense to average assets | 2.3798% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2243% | 1,445 |
| Return on assets (ROA) | 1.2243% | 1,482 |
| Pretax return on assets | 1.2894% | 2,274 |
| Return on Equity (ROE) | 11.8174% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.2780% | 2,195 |
| Net charge-offs to loans | -0.0055% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8592% | 3,684 |
| Assets per employee ($millions) | 4.6766% | 2,883 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,521 |
| Loan loss allowance to noncurrent loans | 116.3546% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 1,153 |
| Noncurrent loans to loans | 1.1196% | 1,823 |
| Net loans and leases to total assets | 68.6320% | 2,579 |
| Net loans and leases to deposits | 78.3507% | 2,936 |
| Net loans and leases to core deposits | 79.9294% | 3,305 |
| Total domestic deposits to total assets | 87.5959% | 1,946 |
| Equity capital to assets | 10.6867% | 2,977 |
| Core capital (leverage) ratio | 10.7820% | 2,615 |
| Tier 1 risk-based capital ratio | 14.2083% | 3,358 |
| Total risk-based capital ratio | 15.4077% | 3,300 |
| Memoranda: | ||
| Average total assets | $104,547,500 | 4,276 |
| Average earning assets | $96,744,000 | 4,259 |
| Average equity | $10,831,500 | 4,415 |
| Average total loans | $72,368,000 | 3,994 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 4,137 |
| Cost of funding earning assets | 0.3003% | 4,060 |
| Net interest margin | 3.4259% | 3,726 |
| Noninterest income to average assets | 0.4617% | 3,472 |
| Noninterest expense to average assets | 2.4266% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0987% | 1,911 |
| Return on assets (ROA) | 1.1132% | 1,941 |
| Pretax return on assets | 1.1732% | 2,787 |
| Return on Equity (ROE) | 10.7512% | 1,669 |
| Retained earnings to average equity (ytd only) | 5.2236% | 2,186 |
| Net charge-offs to loans | 0.1383% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.2626% | 2,469 |
| Efficiency ratio | 67.6956% | 3,301 |
| Assets per employee ($millions) | 4.8277% | 2,604 |
| Cash dividends to net income (ytd only)* | 51.4139% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,696 |
| Loan loss allowance to noncurrent loans | 314.5270% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 2,054 |
| Noncurrent loans to loans | 0.4044% | 3,700 |
| Net loans and leases to total assets | 68.0360% | 2,763 |
| Net loans and leases to deposits | 78.1470% | 3,086 |
| Net loans and leases to core deposits | 79.4260% | 3,445 |
| Total domestic deposits to total assets | 87.0615% | 2,113 |
| Equity capital to assets | 10.0443% | 3,680 |
| Core capital (leverage) ratio | 10.4195% | 2,964 |
| Tier 1 risk-based capital ratio | 13.5535% | 3,738 |
| Total risk-based capital ratio | 14.7142% | 3,689 |
| Memoranda: | ||
| Average total assets | $104,837,200 | 4,263 |
| Average earning assets | $95,566,800 | 4,279 |
| Average equity | $10,854,600 | 4,444 |
| Average total loans | $71,587,800 | 4,005 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,143 |
| Cost of funding earning assets | 0.3019% | 4,072 |
| Net interest margin | 3.4294% | 3,740 |
| Noninterest income to average assets | 0.4670% | 3,447 |
| Noninterest expense to average assets | 2.3146% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2043% | 1,634 |
| Return on assets (ROA) | 1.2249% | 1,639 |
| Pretax return on assets | 1.2900% | 2,471 |
| Return on Equity (ROE) | 11.7415% | 1,406 |
| Retained earnings to average equity (ytd only) | 4.4031% | 3,202 |
| Net charge-offs to loans | 0.0187% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 99.4224% | 665 |
| Efficiency ratio | 64.6011% | 3,836 |
| Assets per employee ($millions) | 4.7259% | 2,710 |
| Cash dividends to net income (ytd only)* | 62.4999% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,933 |
| Loan loss allowance to noncurrent loans | 379.1822% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,287 |
| Noncurrent loans to loans | 0.3852% | 3,878 |
| Net loans and leases to total assets | 66.1922% | 3,091 |
| Net loans and leases to deposits | 77.7961% | 3,207 |
| Net loans and leases to core deposits | 79.1371% | 3,536 |
| Total domestic deposits to total assets | 85.0842% | 2,770 |
| Equity capital to assets | 10.6598% | 3,395 |
| Core capital (leverage) ratio | 10.5912% | 2,887 |
| Tier 1 risk-based capital ratio | 13.8791% | 3,621 |
| Total risk-based capital ratio | 15.1320% | 3,544 |
| Memoranda: | ||
| Average total assets | $104,494,000 | 4,312 |
| Average earning assets | $94,942,000 | 4,328 |
| Average equity | $10,901,250 | 4,480 |
| Average total loans | $71,186,750 | 4,039 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,235 |
| Cost of funding earning assets | 0.3011% | 4,115 |
| Net interest margin | 3.4172% | 3,822 |
| Noninterest income to average assets | 0.4280% | 3,671 |
| Noninterest expense to average assets | 2.2777% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1885% | 1,646 |
| Return on assets (ROA) | 1.1885% | 1,740 |
| Pretax return on assets | 1.2516% | 2,597 |
| Return on Equity (ROE) | 11.4753% | 1,482 |
| Retained earnings to average equity (ytd only) | 4.0957% | 3,296 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5371% | 3,926 |
| Assets per employee ($millions) | 4.9172% | 2,392 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 2,040 |
| Loan loss allowance to noncurrent loans | 1,051.0204% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 2,731 |
| Noncurrent loans to loans | 0.1387% | 4,880 |
| Net loans and leases to total assets | 67.4408% | 2,877 |
| Net loans and leases to deposits | 77.1600% | 3,245 |
| Net loans and leases to core deposits | 78.4632% | 3,607 |
| Total domestic deposits to total assets | 87.4038% | 1,711 |
| Equity capital to assets | 10.7039% | 3,395 |
| Core capital (leverage) ratio | 10.3106% | 3,180 |
| Tier 1 risk-based capital ratio | 13.6650% | 3,793 |
| Total risk-based capital ratio | 14.9160% | 3,718 |
| Memoranda: | ||
| Average total assets | $104,668,670 | 4,339 |
| Average earning assets | $94,990,670 | 4,361 |
| Average equity | $10,840,670 | 4,519 |
| Average total loans | $71,635,670 | 4,051 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 4,133 |
| Cost of funding earning assets | 0.3084% | 4,078 |
| Net interest margin | 3.4427% | 3,702 |
| Noninterest income to average assets | 0.4252% | 3,647 |
| Noninterest expense to average assets | 2.2283% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2337% | 1,440 |
| Return on assets (ROA) | 1.2337% | 1,547 |
| Pretax return on assets | 1.2907% | 2,348 |
| Return on Equity (ROE) | 12.1105% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.1105% | 494 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3225% | 4,257 |
| Assets per employee ($millions) | 4.7584% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,183 |
| Loan loss allowance to noncurrent loans | 331.1897% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 2,354 |
| Noncurrent loans to loans | 0.4387% | 3,866 |
| Net loans and leases to total assets | 66.7418% | 2,851 |
| Net loans and leases to deposits | 76.1114% | 3,208 |
| Net loans and leases to core deposits | 77.5958% | 3,531 |
| Total domestic deposits to total assets | 87.6896% | 1,807 |
| Equity capital to assets | 10.4686% | 3,542 |
| Core capital (leverage) ratio | 10.2473% | 3,261 |
| Tier 1 risk-based capital ratio | 13.8967% | 3,759 |
| Total risk-based capital ratio | 15.1475% | 3,691 |
| Memoranda: | ||
| Average total assets | $105,372,500 | 4,357 |
| Average earning assets | $94,694,000 | 4,405 |
| Average equity | $10,734,500 | 4,555 |
| Average total loans | $72,118,500 | 4,065 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 4,528 |
| Cost of funding earning assets | 0.3150% | 4,083 |
| Net interest margin | 3.3331% | 4,174 |
| Noninterest income to average assets | 0.4651% | 3,561 |
| Noninterest expense to average assets | 2.3746% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2166% | 1,493 |
| Return on assets (ROA) | 1.2061% | 1,593 |
| Pretax return on assets | 1.1811% | 2,728 |
| Return on Equity (ROE) | 12.7834% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.7462% | 374 |
| Net charge-offs to loans | 0.1279% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,379 |
| Efficiency ratio | 66.5858% | 3,811 |
| Assets per employee ($millions) | 4.8210% | 2,577 |
| Cash dividends to net income (ytd only)* | 15.9363% | 3,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 2,398 |
| Loan loss allowance to noncurrent loans | 700.6803% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 2,743 |
| Noncurrent loans to loans | 0.2004% | 4,699 |
| Net loans and leases to total assets | 68.1768% | 2,680 |
| Net loans and leases to deposits | 77.7842% | 3,076 |
| Net loans and leases to core deposits | 79.2697% | 3,419 |
| Total domestic deposits to total assets | 87.6486% | 1,819 |
| Equity capital to assets | 9.9094% | 4,063 |
| Core capital (leverage) ratio | 9.6253% | 4,010 |
| Tier 1 risk-based capital ratio | 12.8127% | 4,442 |
| Total risk-based capital ratio | 14.0628% | 4,339 |
| Memoranda: | ||
| Average total assets | $104,057,600 | 4,381 |
| Average earning assets | $96,815,800 | 4,378 |
| Average equity | $9,817,400 | 4,686 |
| Average total loans | $72,740,400 | 4,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,718 |
| Cost of funding earning assets | 0.3160% | 4,152 |
| Net interest margin | 3.2907% | 4,396 |
| Noninterest income to average assets | 0.4558% | 3,671 |
| Noninterest expense to average assets | 2.3780% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2154% | 1,597 |
| Return on assets (ROA) | 1.2103% | 1,680 |
| Pretax return on assets | 1.1562% | 2,995 |
| Return on Equity (ROE) | 12.9953% | 1,121 |
| Retained earnings to average equity (ytd only) | 10.2303% | 596 |
| Net charge-offs to loans | 0.1782% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 9.2990% | 2,711 |
| Efficiency ratio | 67.1881% | 3,675 |
| Assets per employee ($millions) | 4.8065% | 2,555 |
| Cash dividends to net income (ytd only)* | 21.2766% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,673 |
| Loan loss allowance to noncurrent loans | 96.0674% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 1,334 |
| Noncurrent loans to loans | 1.4428% | 1,743 |
| Net loans and leases to total assets | 69.0325% | 2,532 |
| Net loans and leases to deposits | 82.3913% | 2,596 |
| Net loans and leases to core deposits | 84.0514% | 3,033 |
| Total domestic deposits to total assets | 83.7862% | 3,513 |
| Equity capital to assets | 9.5865% | 4,651 |
| Core capital (leverage) ratio | 9.7082% | 4,027 |
| Tier 1 risk-based capital ratio | 12.0199% | 5,077 |
| Total risk-based capital ratio | 13.2486% | 5,002 |
| Memoranda: | ||
| Average total assets | $103,556,750 | 4,436 |
| Average earning assets | $97,039,250 | 4,411 |
| Average equity | $9,644,250 | 4,783 |
| Average total loans | $72,590,750 | 4,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 4,782 |
| Cost of funding earning assets | 0.3187% | 4,173 |
| Net interest margin | 3.2596% | 4,455 |
| Noninterest income to average assets | 0.4435% | 3,756 |
| Noninterest expense to average assets | 2.3651% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2506% | 1,461 |
| Return on assets (ROA) | 1.2506% | 1,522 |
| Pretax return on assets | 1.1417% | 3,001 |
| Return on Equity (ROE) | 13.5654% | 990 |
| Retained earnings to average equity (ytd only) | 9.3460% | 820 |
| Net charge-offs to loans | 0.2746% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.9293% | 2,861 |
| Efficiency ratio | 67.4432% | 3,756 |
| Assets per employee ($millions) | 4.4237% | 3,105 |
| Cash dividends to net income (ytd only)* | 31.1042% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 2,618 |
| Loan loss allowance to noncurrent loans | 89.8946% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 2,270 |
| Noncurrent loans to loans | 1.5898% | 1,651 |
| Net loans and leases to total assets | 69.3489% | 2,435 |
| Net loans and leases to deposits | 78.7260% | 2,935 |
| Net loans and leases to core deposits | 80.2938% | 3,363 |
| Total domestic deposits to total assets | 88.0888% | 1,604 |
| Equity capital to assets | 9.5720% | 4,568 |
| Core capital (leverage) ratio | 9.6608% | 4,057 |
| Tier 1 risk-based capital ratio | 12.3135% | 4,929 |
| Total risk-based capital ratio | 13.5637% | 4,831 |
| Memoranda: | ||
| Average total assets | $102,828,000 | 4,496 |
| Average earning assets | $96,638,000 | 4,452 |
| Average equity | $9,480,000 | 4,842 |
| Average total loans | $72,113,330 | 4,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 4,834 |
| Cost of funding earning assets | 0.3260% | 4,153 |
| Net interest margin | 3.2227% | 4,514 |
| Noninterest income to average assets | 0.4411% | 3,686 |
| Noninterest expense to average assets | 2.3179% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4201% | 993 |
| Return on assets (ROA) | 1.4201% | 1,049 |
| Pretax return on assets | 1.1454% | 2,882 |
| Return on Equity (ROE) | 15.6997% | 602 |
| Retained earnings to average equity (ytd only) | 7.1440% | 1,948 |
| Net charge-offs to loans | 0.5582% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.9307% | 2,679 |
| Efficiency ratio | 66.9274% | 3,997 |
| Assets per employee ($millions) | 4.6272% | 2,866 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 2,777 |
| Loan loss allowance to noncurrent loans | 134.2970% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 3,248 |
| Noncurrent loans to loans | 1.0661% | 2,629 |
| Net loans and leases to total assets | 69.1156% | 2,264 |
| Net loans and leases to deposits | 78.2193% | 2,773 |
| Net loans and leases to core deposits | 79.7703% | 3,195 |
| Total domestic deposits to total assets | 88.3614% | 1,625 |
| Equity capital to assets | 9.3036% | 4,959 |
| Core capital (leverage) ratio | 9.2079% | 4,697 |
| Tier 1 risk-based capital ratio | 12.4510% | 4,942 |
| Total risk-based capital ratio | 13.7021% | 4,858 |
| Memoranda: | ||
| Average total assets | $103,369,500 | 4,514 |
| Average earning assets | $96,936,000 | 4,487 |
| Average equity | $9,350,500 | 4,907 |
| Average total loans | $72,379,000 | 4,122 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 5,588 |
| Cost of funding earning assets | 0.3552% | 4,199 |
| Net interest margin | 3.0143% | 5,422 |
| Noninterest income to average assets | 0.4466% | 3,857 |
| Noninterest expense to average assets | 2.3360% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8866% | 2,940 |
| Return on assets (ROA) | 0.8866% | 3,024 |
| Pretax return on assets | 0.9395% | 3,742 |
| Return on Equity (ROE) | 10.5208% | 1,901 |
| Retained earnings to average equity (ytd only) | 6.0391% | 1,902 |
| Net charge-offs to loans | 0.1716% | 2,315 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.2231% | 2,910 |
| Efficiency ratio | 71.3174% | 3,326 |
| Assets per employee ($millions) | 4.7700% | 2,637 |
| Cash dividends to net income (ytd only)* | 42.5985% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 2,340 |
| Loan loss allowance to noncurrent loans | 150.1337% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 3,439 |
| Noncurrent loans to loans | 1.0194% | 2,788 |
| Net loans and leases to total assets | 68.8527% | 2,422 |
| Net loans and leases to deposits | 82.0798% | 2,460 |
| Net loans and leases to core deposits | 83.4805% | 2,955 |
| Total domestic deposits to total assets | 83.8851% | 3,773 |
| Equity capital to assets | 8.7955% | 5,493 |
| Core capital (leverage) ratio | 9.0661% | 4,879 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,601 |
| Total risk-based capital ratio | 12.8597% | 5,517 |
| Memoranda: | ||
| Average total assets | $105,908,600 | 4,460 |
| Average earning assets | $99,391,400 | 4,407 |
| Average equity | $8,925,200 | 4,990 |
| Average total loans | $70,499,600 | 4,170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3193% | 5,730 |
| Cost of funding earning assets | 0.3569% | 4,272 |
| Net interest margin | 2.9624% | 5,582 |
| Noninterest income to average assets | 0.4409% | 3,951 |
| Noninterest expense to average assets | 2.2873% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8780% | 3,032 |
| Return on assets (ROA) | 0.8780% | 3,128 |
| Pretax return on assets | 0.9370% | 3,834 |
| Return on Equity (ROE) | 10.5320% | 1,979 |
| Retained earnings to average equity (ytd only) | 4.5051% | 3,447 |
| Net charge-offs to loans | 0.2121% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.7205% | 3,039 |
| Efficiency ratio | 70.9388% | 3,349 |
| Assets per employee ($millions) | 4.3652% | 3,190 |
| Cash dividends to net income (ytd only)* | 57.2244% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,221 |
| Loan loss allowance to noncurrent loans | 117.7755% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 3,051 |
| Noncurrent loans to loans | 1.3783% | 2,348 |
| Net loans and leases to total assets | 68.3875% | 2,468 |
| Net loans and leases to deposits | 79.7021% | 2,738 |
| Net loans and leases to core deposits | 81.8455% | 3,112 |
| Total domestic deposits to total assets | 85.8038% | 2,957 |
| Equity capital to assets | 8.9512% | 5,404 |
| Core capital (leverage) ratio | 8.9216% | 5,168 |
| Tier 1 risk-based capital ratio | 12.3846% | 5,239 |
| Total risk-based capital ratio | 13.6399% | 5,167 |
| Memoranda: | ||
| Average total assets | $106,150,750 | 4,496 |
| Average earning assets | $99,736,500 | 4,444 |
| Average equity | $8,849,000 | 5,050 |
| Average total loans | $69,780,250 | 4,229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2759% | 5,834 |
| Cost of funding earning assets | 0.3568% | 4,355 |
| Net interest margin | 2.9191% | 5,702 |
| Noninterest income to average assets | 0.4257% | 4,051 |
| Noninterest expense to average assets | 2.1912% | 5,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9327% | 2,635 |
| Return on assets (ROA) | 0.9327% | 2,742 |
| Pretax return on assets | 0.9753% | 3,587 |
| Return on Equity (ROE) | 11.4506% | 1,586 |
| Retained earnings to average equity (ytd only) | 5.5436% | 2,613 |
| Net charge-offs to loans | -0.0086% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1993% | 3,798 |
| Assets per employee ($millions) | 4.7051% | 2,600 |
| Cash dividends to net income (ytd only)* | 51.5873% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 1,632 |
| Loan loss allowance to noncurrent loans | 152.8186% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 3,710 |
| Noncurrent loans to loans | 1.2286% | 2,776 |
| Net loans and leases to total assets | 60.2192% | 3,678 |
| Net loans and leases to deposits | 67.3077% | 4,139 |
| Net loans and leases to core deposits | 68.9113% | 4,374 |
| Total domestic deposits to total assets | 89.4685% | 1,106 |
| Equity capital to assets | 8.2676% | 5,970 |
| Core capital (leverage) ratio | 8.7249% | 5,365 |
| Tier 1 risk-based capital ratio | 12.7939% | 5,040 |
| Total risk-based capital ratio | 14.0333% | 4,987 |
| Memoranda: | ||
| Average total assets | $108,067,670 | 4,488 |
| Average earning assets | $101,468,670 | 4,425 |
| Average equity | $8,803,000 | 5,081 |
| Average total loans | $69,775,670 | 4,242 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 5,789 |
| Cost of funding earning assets | 0.3563% | 4,476 |
| Net interest margin | 2.9734% | 5,587 |
| Noninterest income to average assets | 0.4260% | 3,979 |
| Noninterest expense to average assets | 2.1705% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9815% | 2,280 |
| Return on assets (ROA) | 0.9815% | 2,338 |
| Pretax return on assets | 1.0371% | 3,181 |
| Return on Equity (ROE) | 12.1406% | 1,374 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,679 |
| Net charge-offs to loans | -0.0224% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6674% | 4,235 |
| Assets per employee ($millions) | 5.5090% | 1,705 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,077 |
| Loan loss allowance to noncurrent loans | 112.7371% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 3,139 |
| Noncurrent loans to loans | 1.5857% | 2,437 |
| Net loans and leases to total assets | 65.5033% | 2,634 |
| Net loans and leases to deposits | 73.3749% | 3,146 |
| Net loans and leases to core deposits | 74.6727% | 3,573 |
| Total domestic deposits to total assets | 89.2721% | 1,491 |
| Equity capital to assets | 8.4130% | 5,734 |
| Core capital (leverage) ratio | 8.3015% | 5,844 |
| Tier 1 risk-based capital ratio | 12.0426% | 5,614 |
| Total risk-based capital ratio | 13.2994% | 5,544 |
| Memoranda: | ||
| Average total assets | $107,992,500 | 4,530 |
| Average earning assets | $101,030,000 | 4,481 |
| Average equity | $8,731,000 | 5,123 |
| Average total loans | $71,456,000 | 4,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 5,694 |
| Cost of funding earning assets | 0.4431% | 4,181 |
| Net interest margin | 3.0281% | 5,512 |
| Noninterest income to average assets | 0.3563% | 4,750 |
| Noninterest expense to average assets | 2.1491% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9988% | 2,325 |
| Return on assets (ROA) | 0.9988% | 2,396 |
| Pretax return on assets | 1.0512% | 3,151 |
| Return on Equity (ROE) | 12.5517% | 1,262 |
| Retained earnings to average equity (ytd only) | 3.8548% | 3,459 |
| Net charge-offs to loans | -0.0310% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1537% | 4,346 |
| Assets per employee ($millions) | 5.8586% | 1,368 |
| Cash dividends to net income (ytd only)* | 69.2884% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 2,399 |
| Loan loss allowance to noncurrent loans | 104.8904% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 3,280 |
| Noncurrent loans to loans | 1.6224% | 2,469 |
| Net loans and leases to total assets | 64.5534% | 2,944 |
| Net loans and leases to deposits | 71.7243% | 3,561 |
| Net loans and leases to core deposits | 72.9061% | 3,964 |
| Total domestic deposits to total assets | 90.0022% | 1,078 |
| Equity capital to assets | 7.7762% | 6,146 |
| Core capital (leverage) ratio | 8.0199% | 6,119 |
| Tier 1 risk-based capital ratio | 11.3958% | 5,967 |
| Total risk-based capital ratio | 12.6514% | 5,898 |
| Memoranda: | ||
| Average total assets | $106,930,200 | 4,569 |
| Average earning assets | $100,427,200 | 4,504 |
| Average equity | $8,508,800 | 5,210 |
| Average total loans | $71,063,800 | 4,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 5,692 |
| Cost of funding earning assets | 0.4661% | 4,103 |
| Net interest margin | 3.0307% | 5,517 |
| Noninterest income to average assets | 0.3830% | 4,652 |
| Noninterest expense to average assets | 2.0535% | 5,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1099% | 1,972 |
| Return on assets (ROA) | 1.1099% | 2,038 |
| Pretax return on assets | 1.1804% | 2,780 |
| Return on Equity (ROE) | 13.8650% | 1,022 |
| Retained earnings to average equity (ytd only) | 2.2191% | 4,994 |
| Net charge-offs to loans | -0.0737% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4982% | 4,888 |
| Assets per employee ($millions) | 5.5833% | 1,552 |
| Cash dividends to net income (ytd only)* | 83.9951% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 2,332 |
| Loan loss allowance to noncurrent loans | 99.6838% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 3,270 |
| Noncurrent loans to loans | 1.7967% | 2,501 |
| Net loans and leases to total assets | 65.1820% | 2,771 |
| Net loans and leases to deposits | 73.0586% | 3,392 |
| Net loans and leases to core deposits | 74.3284% | 3,803 |
| Total domestic deposits to total assets | 89.2188% | 1,447 |
| Equity capital to assets | 7.9871% | 6,162 |
| Core capital (leverage) ratio | 8.0951% | 6,154 |
| Tier 1 risk-based capital ratio | 11.7544% | 5,923 |
| Total risk-based capital ratio | 13.0121% | 5,873 |
| Memoranda: | ||
| Average total assets | $105,834,250 | 4,645 |
| Average earning assets | $99,557,250 | 4,569 |
| Average equity | $8,472,000 | 5,279 |
| Average total loans | $70,554,500 | 4,277 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 5,512 |
| Cost of funding earning assets | 0.4860% | 4,025 |
| Net interest margin | 3.0884% | 5,301 |
| Noninterest income to average assets | 0.3366% | 4,989 |
| Noninterest expense to average assets | 2.0293% | 5,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1461% | 1,764 |
| Return on assets (ROA) | 1.1461% | 1,877 |
| Pretax return on assets | 1.2161% | 2,601 |
| Return on Equity (ROE) | 14.3065% | 944 |
| Retained earnings to average equity (ytd only) | 1.5581% | 5,246 |
| Net charge-offs to loans | -0.0708% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5291% | 5,092 |
| Assets per employee ($millions) | 5.4448% | 1,633 |
| Cash dividends to net income (ytd only)* | 89.1089% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,388 |
| Loan loss allowance to noncurrent loans | 119.4444% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 3,737 |
| Noncurrent loans to loans | 1.5202% | 3,021 |
| Net loans and leases to total assets | 65.1781% | 2,734 |
| Net loans and leases to deposits | 73.2046% | 3,260 |
| Net loans and leases to core deposits | 74.5102% | 3,727 |
| Total domestic deposits to total assets | 89.0355% | 1,615 |
| Equity capital to assets | 8.0859% | 6,142 |
| Core capital (leverage) ratio | 8.0714% | 6,130 |
| Tier 1 risk-based capital ratio | 10.9723% | 6,344 |
| Total risk-based capital ratio | 12.2264% | 6,316 |
| Memoranda: | ||
| Average total assets | $105,751,330 | 4,678 |
| Average earning assets | $99,597,670 | 4,594 |
| Average equity | $8,471,670 | 5,318 |
| Average total loans | $70,603,330 | 4,291 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,502 |
| Cost of funding earning assets | 0.5023% | 4,060 |
| Net interest margin | 3.0776% | 5,338 |
| Noninterest income to average assets | 0.2919% | 5,375 |
| Noninterest expense to average assets | 1.8971% | 6,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2123% | 1,496 |
| Return on assets (ROA) | 1.2123% | 1,606 |
| Pretax return on assets | 1.2834% | 2,283 |
| Return on Equity (ROE) | 15.2023% | 720 |
| Retained earnings to average equity (ytd only) | 8.6334% | 1,511 |
| Net charge-offs to loans | -0.1118% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6471% | 5,636 |
| Assets per employee ($millions) | 5.7192% | 1,469 |
| Cash dividends to net income (ytd only)* | 43.2099% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 2,765 |
| Loan loss allowance to noncurrent loans | 71.0120% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 2,848 |
| Noncurrent loans to loans | 2.4820% | 2,080 |
| Net loans and leases to total assets | 63.7046% | 2,769 |
| Net loans and leases to deposits | 71.2966% | 3,284 |
| Net loans and leases to core deposits | 72.3110% | 3,781 |
| Total domestic deposits to total assets | 89.3516% | 1,453 |
| Equity capital to assets | 7.9290% | 6,419 |
| Core capital (leverage) ratio | 7.9957% | 6,150 |
| Tier 1 risk-based capital ratio | 11.5318% | 6,174 |
| Total risk-based capital ratio | 12.7864% | 6,133 |
| Memoranda: | ||
| Average total assets | $106,901,000 | 4,684 |
| Average earning assets | $100,338,000 | 4,616 |
| Average equity | $8,525,000 | 5,352 |
| Average total loans | $71,567,500 | 4,289 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 5,012 |
| Cost of funding earning assets | 0.6241% | 4,144 |
| Net interest margin | 3.4570% | 4,679 |
| Noninterest income to average assets | 0.3228% | 5,152 |
| Noninterest expense to average assets | 2.1340% | 6,056 |
| Loan and lease loss provision to assets | 0.0693% | 4,880 |
| Net operating income to assets | 1.3022% | 1,293 |
| Return on assets (ROA) | 1.3022% | 1,440 |
| Pretax return on assets | 1.3725% | 2,132 |
| Return on Equity (ROE) | 16.3281% | 610 |
| Retained earnings to average equity (ytd only) | 9.4368% | 708 |
| Net charge-offs to loans | 0.0028% | 5,950 |
| Credit loss provision to net charge-offs | 3,500.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 728.0000% | 52 |
| Efficiency ratio | 59.6788% | 5,590 |
| Assets per employee ($millions) | 5.5336% | 1,659 |
| Cash dividends to net income (ytd only)* | 42.2053% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 2,999 |
| Loan loss allowance to noncurrent loans | 56.4956% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.0573% | 2,381 |
| Noncurrent loans to loans | 2.9765% | 1,756 |
| Net loans and leases to total assets | 67.9554% | 2,188 |
| Net loans and leases to deposits | 76.2191% | 2,770 |
| Net loans and leases to core deposits | 77.1274% | 3,381 |
| Total domestic deposits to total assets | 89.1581% | 1,464 |
| Equity capital to assets | 8.0218% | 6,393 |
| Core capital (leverage) ratio | 7.8729% | 6,299 |
| Tier 1 risk-based capital ratio | 10.8595% | 6,401 |
| Total risk-based capital ratio | 12.1129% | 6,371 |
| Memoranda: | ||
| Average total assets | $100,984,800 | 4,810 |
| Average earning assets | $95,023,600 | 4,725 |
| Average equity | $8,053,600 | 5,489 |
| Average total loans | $71,878,000 | 4,286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 4,871 |
| Cost of funding earning assets | 0.6413% | 4,272 |
| Net interest margin | 3.5435% | 4,474 |
| Noninterest income to average assets | 0.3388% | 5,096 |
| Noninterest expense to average assets | 2.0290% | 6,308 |
| Loan and lease loss provision to assets | 0.0934% | 4,423 |
| Net operating income to assets | 1.4848% | 1,049 |
| Return on assets (ROA) | 1.4848% | 1,163 |
| Pretax return on assets | 1.5555% | 1,709 |
| Return on Equity (ROE) | 18.6462% | 426 |
| Retained earnings to average equity (ytd only) | 9.3482% | 1,108 |
| Net charge-offs to loans | -0.0037% | 6,245 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1687% | 6,139 |
| Assets per employee ($millions) | 5.6099% | 1,534 |
| Cash dividends to net income (ytd only)* | 49.8652% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,990 |
| Loan loss allowance to noncurrent loans | 55.3950% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.0781% | 2,557 |
| Noncurrent loans to loans | 3.1432% | 1,762 |
| Net loans and leases to total assets | 64.9617% | 2,850 |
| Net loans and leases to deposits | 72.6317% | 3,509 |
| Net loans and leases to core deposits | 73.4811% | 4,050 |
| Total domestic deposits to total assets | 89.4398% | 1,163 |
| Equity capital to assets | 7.7231% | 6,705 |
| Core capital (leverage) ratio | 8.1798% | 6,165 |
| Tier 1 risk-based capital ratio | 11.0539% | 6,456 |
| Total risk-based capital ratio | 12.3022% | 6,430 |
| Memoranda: | ||
| Average total assets | $99,946,500 | 4,880 |
| Average earning assets | $94,180,500 | 4,792 |
| Average equity | $7,958,500 | 5,571 |
| Average total loans | $71,680,250 | 4,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 4,569 |
| Cost of funding earning assets | 0.6649% | 4,324 |
| Net interest margin | 3.6362% | 4,100 |
| Noninterest income to average assets | 0.3561% | 4,983 |
| Noninterest expense to average assets | 2.0832% | 6,257 |
| Loan and lease loss provision to assets | 0.0819% | 4,575 |
| Net operating income to assets | 1.5553% | 902 |
| Return on assets (ROA) | 1.5553% | 1,009 |
| Pretax return on assets | 1.6269% | 1,471 |
| Return on Equity (ROE) | 19.3204% | 394 |
| Retained earnings to average equity (ytd only) | 8.7704% | 1,350 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9379% | 6,232 |
| Assets per employee ($millions) | 5.1906% | 1,936 |
| Cash dividends to net income (ytd only)* | 54.6053% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,263 |
| Loan loss allowance to noncurrent loans | 89.5802% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 3,730 |
| Noncurrent loans to loans | 1.8875% | 3,092 |
| Net loans and leases to total assets | 70.4498% | 1,837 |
| Net loans and leases to deposits | 79.3175% | 2,480 |
| Net loans and leases to core deposits | 80.3244% | 3,175 |
| Total domestic deposits to total assets | 88.8199% | 1,625 |
| Equity capital to assets | 8.1321% | 6,498 |
| Core capital (leverage) ratio | 8.1878% | 6,064 |
| Tier 1 risk-based capital ratio | 10.9562% | 6,523 |
| Total risk-based capital ratio | 12.2111% | 6,497 |
| Memoranda: | ||
| Average total assets | $97,732,330 | 4,962 |
| Average earning assets | $92,349,670 | 4,858 |
| Average equity | $7,867,330 | 5,613 |
| Average total loans | $72,084,000 | 4,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 4,405 |
| Cost of funding earning assets | 0.6813% | 4,449 |
| Net interest margin | 3.6989% | 3,833 |
| Noninterest income to average assets | 0.3906% | 4,737 |
| Noninterest expense to average assets | 2.0887% | 6,291 |
| Loan and lease loss provision to assets | 0.0411% | 4,875 |
| Net operating income to assets | 1.6693% | 763 |
| Return on assets (ROA) | 1.6693% | 848 |
| Pretax return on assets | 1.7433% | 1,213 |
| Return on Equity (ROE) | 20.8446% | 327 |
| Retained earnings to average equity (ytd only) | 11.8598% | 840 |
| Net charge-offs to loans | -0.6155% | 7,165 |
| Credit loss provision to net charge-offs | -8.9286% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9278% | 6,360 |
| Assets per employee ($millions) | 5.2295% | 1,960 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 3,102 |
| Loan loss allowance to noncurrent loans | 108.2203% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 4,144 |
| Noncurrent loans to loans | 1.6328% | 3,659 |
| Net loans and leases to total assets | 71.4503% | 1,493 |
| Net loans and leases to deposits | 80.3234% | 2,162 |
| Net loans and leases to core deposits | 81.3328% | 2,912 |
| Total domestic deposits to total assets | 88.9533% | 1,722 |
| Equity capital to assets | 7.9610% | 6,544 |
| Core capital (leverage) ratio | 8.1921% | 6,034 |
| Tier 1 risk-based capital ratio | 10.5349% | 6,724 |
| Total risk-based capital ratio | 11.7910% | 6,708 |
| Memoranda: | ||
| Average total assets | $97,287,500 | 5,010 |
| Average earning assets | $91,595,000 | 4,921 |
| Average equity | $7,791,000 | 5,660 |
| Average total loans | $72,789,000 | 4,355 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 4,088 |
| Cost of funding earning assets | 0.7892% | 4,945 |
| Net interest margin | 3.9485% | 3,116 |
| Noninterest income to average assets | 0.3721% | 4,846 |
| Noninterest expense to average assets | 2.5505% | 5,292 |
| Loan and lease loss provision to assets | 0.1251% | 5,043 |
| Net operating income to assets | 1.3046% | 1,238 |
| Return on assets (ROA) | 1.3046% | 1,342 |
| Pretax return on assets | 1.3819% | 1,836 |
| Return on Equity (ROE) | 16.0552% | 593 |
| Retained earnings to average equity (ytd only) | 4.5929% | 2,910 |
| Net charge-offs to loans | -0.0826% | 7,114 |
| Credit loss provision to net charge-offs | -198.2759% | 6,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8587% | 5,323 |
| Assets per employee ($millions) | 5.0113% | 2,189 |
| Cash dividends to net income (ytd only)* | 71.3928% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,677 |
| Loan loss allowance to noncurrent loans | 70.2982% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 3,363 |
| Noncurrent loans to loans | 2.2412% | 2,907 |
| Net loans and leases to total assets | 75.7790% | 974 |
| Net loans and leases to deposits | 86.1189% | 1,653 |
| Net loans and leases to core deposits | 87.2572% | 2,466 |
| Total domestic deposits to total assets | 87.9935% | 2,161 |
| Equity capital to assets | 8.0576% | 6,532 |
| Core capital (leverage) ratio | 8.0377% | 6,218 |
| Tier 1 risk-based capital ratio | 9.9948% | 6,861 |
| Total risk-based capital ratio | 11.2485% | 6,852 |
| Memoranda: | ||
| Average total assets | $91,904,000 | 5,134 |
| Average earning assets | $85,779,800 | 5,059 |
| Average equity | $7,468,000 | 5,727 |
| Average total loans | $70,257,200 | 4,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 4,215 |
| Cost of funding earning assets | 0.8103% | 5,084 |
| Net interest margin | 3.9415% | 3,184 |
| Noninterest income to average assets | 0.3733% | 4,883 |
| Noninterest expense to average assets | 2.3613% | 5,877 |
| Loan and lease loss provision to assets | 0.1318% | 4,783 |
| Net operating income to assets | 1.4757% | 995 |
| Return on assets (ROA) | 1.4757% | 1,076 |
| Pretax return on assets | 1.5474% | 1,527 |
| Return on Equity (ROE) | 18.1201% | 443 |
| Retained earnings to average equity (ytd only) | 2.7503% | 4,713 |
| Net charge-offs to loans | -0.0499% | 7,052 |
| Credit loss provision to net charge-offs | -346.1538% | 6,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4420% | 5,945 |
| Assets per employee ($millions) | 4.9514% | 2,259 |
| Cash dividends to net income (ytd only)* | 84.8211% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,817 |
| Loan loss allowance to noncurrent loans | 112.2699% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 4,679 |
| Noncurrent loans to loans | 1.3954% | 4,205 |
| Net loans and leases to total assets | 73.3311% | 1,449 |
| Net loans and leases to deposits | 82.6043% | 2,238 |
| Net loans and leases to core deposits | 83.6977% | 3,100 |
| Total domestic deposits to total assets | 88.7740% | 1,563 |
| Equity capital to assets | 7.9616% | 6,718 |
| Core capital (leverage) ratio | 8.1410% | 6,226 |
| Tier 1 risk-based capital ratio | 10.1988% | 6,893 |
| Total risk-based capital ratio | 11.4520% | 6,883 |
| Memoranda: | ||
| Average total assets | $91,076,250 | 5,199 |
| Average earning assets | $84,736,250 | 5,133 |
| Average equity | $7,417,000 | 5,778 |
| Average total loans | $69,494,500 | 4,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 4,397 |
| Cost of funding earning assets | 0.8258% | 5,209 |
| Net interest margin | 3.9041% | 3,293 |
| Noninterest income to average assets | 0.3752% | 4,878 |
| Noninterest expense to average assets | 2.3114% | 6,092 |
| Loan and lease loss provision to assets | 0.1998% | 3,930 |
| Net operating income to assets | 1.4610% | 957 |
| Return on assets (ROA) | 1.4610% | 1,019 |
| Pretax return on assets | 1.5276% | 1,448 |
| Return on Equity (ROE) | 17.8014% | 476 |
| Retained earnings to average equity (ytd only) | -1.2986% | 6,118 |
| Net charge-offs to loans | -0.0895% | 7,139 |
| Credit loss provision to net charge-offs | -290.3226% | 6,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2292% | 6,264 |
| Assets per employee ($millions) | 5.0305% | 2,082 |
| Cash dividends to net income (ytd only)* | 107.2948% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,666 |
| Loan loss allowance to noncurrent loans | 123.3781% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 4,895 |
| Noncurrent loans to loans | 1.3035% | 4,465 |
| Net loans and leases to total assets | 74.5276% | 1,320 |
| Net loans and leases to deposits | 83.9238% | 2,118 |
| Net loans and leases to core deposits | 85.0749% | 3,065 |
| Total domestic deposits to total assets | 88.8039% | 1,664 |
| Equity capital to assets | 8.0531% | 6,641 |
| Core capital (leverage) ratio | 7.9653% | 6,343 |
| Tier 1 risk-based capital ratio | 10.2321% | 6,906 |
| Total risk-based capital ratio | 11.4862% | 6,889 |
| Memoranda: | ||
| Average total assets | $90,076,330 | 5,251 |
| Average earning assets | $84,526,000 | 5,178 |
| Average equity | $7,392,670 | 5,805 |
| Average total loans | $69,297,670 | 4,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 4,376 |
| Cost of funding earning assets | 0.8429% | 5,315 |
| Net interest margin | 3.8860% | 3,211 |
| Noninterest income to average assets | 0.3874% | 4,817 |
| Noninterest expense to average assets | 2.2618% | 6,280 |
| Loan and lease loss provision to assets | 0.2894% | 2,834 |
| Net operating income to assets | 1.4025% | 1,058 |
| Return on assets (ROA) | 1.4025% | 1,099 |
| Pretax return on assets | 1.4693% | 1,536 |
| Return on Equity (ROE) | 16.9287% | 581 |
| Retained earnings to average equity (ytd only) | 10.2109% | 1,080 |
| Net charge-offs to loans | -0.0345% | 6,757 |
| Credit loss provision to net charge-offs | -1,083.3333% | 6,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2569% | 6,480 |
| Assets per employee ($millions) | 5.1569% | 1,952 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 4,049 |
| Loan loss allowance to noncurrent loans | 241.5138% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,046 |
| Noncurrent loans to loans | 0.6336% | 5,768 |
| Net loans and leases to total assets | 72.9933% | 1,514 |
| Net loans and leases to deposits | 82.1673% | 2,333 |
| Net loans and leases to core deposits | 83.2639% | 3,268 |
| Total domestic deposits to total assets | 88.8349% | 1,877 |
| Equity capital to assets | 8.1142% | 6,375 |
| Core capital (leverage) ratio | 8.3243% | 5,764 |
| Tier 1 risk-based capital ratio | 10.4974% | 6,804 |
| Total risk-based capital ratio | 11.7501% | 6,791 |
| Memoranda: | ||
| Average total assets | $89,840,000 | 5,295 |
| Average earning assets | $83,993,000 | 5,234 |
| Average equity | $7,443,000 | 5,790 |
| Average total loans | $69,653,000 | 4,630 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 2,794 |
| Cost of funding earning assets | 1.1401% | 4,910 |
| Net interest margin | 4.2332% | 2,052 |
| Noninterest income to average assets | 0.4599% | 4,441 |
| Noninterest expense to average assets | 2.5955% | 5,438 |
| Loan and lease loss provision to assets | 0.1769% | 5,458 |
| Net operating income to assets | 1.5602% | 673 |
| Return on assets (ROA) | 1.5602% | 734 |
| Pretax return on assets | 1.6368% | 1,058 |
| Return on Equity (ROE) | 19.3218% | 292 |
| Retained earnings to average equity (ytd only) | 13.5822% | 183 |
| Net charge-offs to loans | 0.3225% | 4,401 |
| Credit loss provision to net charge-offs | 69.4444% | 5,878 |
| Earnings coverage of net charge-offs (x) | 7.1204% | 2,197 |
| Efficiency ratio | 58.8660% | 6,222 |
| Assets per employee ($millions) | 4.8253% | 2,394 |
| Cash dividends to net income (ytd only)* | 29.7052% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,548 |
| Loan loss allowance to noncurrent loans | 105.1392% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 4,855 |
| Noncurrent loans to loans | 1.3249% | 4,505 |
| Net loans and leases to total assets | 80.0357% | 656 |
| Net loans and leases to deposits | 90.7341% | 1,433 |
| Net loans and leases to core deposits | 90.7341% | 2,658 |
| Total domestic deposits to total assets | 88.2091% | 2,117 |
| Equity capital to assets | 8.4670% | 5,897 |
| Core capital (leverage) ratio | 8.1892% | 5,841 |
| Tier 1 risk-based capital ratio | 10.1399% | 6,911 |
| Total risk-based capital ratio | 11.3912% | 6,889 |
| Memoranda: | ||
| Average total assets | $84,799,000 | 5,452 |
| Average earning assets | $79,112,600 | 5,380 |
| Average equity | $6,847,200 | 6,089 |
| Average total loans | $66,975,400 | 4,792 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 2,947 |
| Cost of funding earning assets | 1.2053% | 4,844 |
| Net interest margin | 4.1796% | 2,292 |
| Noninterest income to average assets | 0.4809% | 4,327 |
| Noninterest expense to average assets | 2.4630% | 5,846 |
| Loan and lease loss provision to assets | 0.1582% | 5,461 |
| Net operating income to assets | 1.7037% | 619 |
| Return on assets (ROA) | 1.7037% | 671 |
| Pretax return on assets | 1.7654% | 984 |
| Return on Equity (ROE) | 21.3669% | 232 |
| Retained earnings to average equity (ytd only) | 13.5701% | 301 |
| Net charge-offs to loans | 0.4196% | 3,612 |
| Credit loss provision to net charge-offs | 48.0769% | 5,913 |
| Earnings coverage of net charge-offs (x) | 5.8461% | 2,663 |
| Efficiency ratio | 56.1486% | 6,536 |
| Assets per employee ($millions) | 4.6724% | 2,646 |
| Cash dividends to net income (ytd only)* | 36.4906% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 4,598 |
| Loan loss allowance to noncurrent loans | 243.8961% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 6,281 |
| Noncurrent loans to loans | 0.5639% | 6,077 |
| Net loans and leases to total assets | 80.0675% | 737 |
| Net loans and leases to deposits | 89.1625% | 1,842 |
| Net loans and leases to core deposits | 91.1231% | 2,936 |
| Total domestic deposits to total assets | 89.7995% | 966 |
| Equity capital to assets | 8.4645% | 6,320 |
| Core capital (leverage) ratio | 8.4993% | 5,506 |
| Tier 1 risk-based capital ratio | 10.1179% | 7,000 |
| Total risk-based capital ratio | 11.3683% | 6,983 |
| Memoranda: | ||
| Average total assets | $84,285,000 | 5,531 |
| Average earning assets | $78,761,500 | 5,450 |
| Average equity | $6,720,500 | 6,207 |
| Average total loans | $66,095,000 | 4,899 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 3,412 |
| Cost of funding earning assets | 1.2608% | 4,763 |
| Net interest margin | 4.0509% | 2,782 |
| Noninterest income to average assets | 0.4576% | 4,459 |
| Noninterest expense to average assets | 2.4281% | 5,984 |
| Loan and lease loss provision to assets | 0.2371% | 4,539 |
| Net operating income to assets | 1.5437% | 827 |
| Return on assets (ROA) | 1.5437% | 883 |
| Pretax return on assets | 1.5863% | 1,337 |
| Return on Equity (ROE) | 19.7642% | 336 |
| Retained earnings to average equity (ytd only) | 9.8062% | 887 |
| Net charge-offs to loans | 0.6578% | 2,571 |
| Credit loss provision to net charge-offs | 46.5116% | 5,497 |
| Earnings coverage of net charge-offs (x) | 3.5767% | 3,260 |
| Efficiency ratio | 57.1110% | 6,497 |
| Assets per employee ($millions) | 4.6737% | 2,619 |
| Cash dividends to net income (ytd only)* | 50.3840% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,403 |
| Loan loss allowance to noncurrent loans | 605.1948% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,931 |
| Noncurrent loans to loans | 0.2319% | 6,774 |
| Net loans and leases to total assets | 77.8216% | 1,141 |
| Net loans and leases to deposits | 86.2262% | 2,476 |
| Net loans and leases to core deposits | 88.1097% | 3,534 |
| Total domestic deposits to total assets | 90.2528% | 790 |
| Equity capital to assets | 8.0450% | 6,704 |
| Core capital (leverage) ratio | 7.9383% | 6,341 |
| Tier 1 risk-based capital ratio | 9.8126% | 7,125 |
| Total risk-based capital ratio | 11.0628% | 7,108 |
| Memoranda: | ||
| Average total assets | $84,345,330 | 5,554 |
| Average earning assets | $78,994,670 | 5,473 |
| Average equity | $6,587,670 | 6,276 |
| Average total loans | $65,367,000 | 4,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 4,320 |
| Cost of funding earning assets | 1.3327% | 4,609 |
| Net interest margin | 3.8126% | 3,738 |
| Noninterest income to average assets | 0.4689% | 4,305 |
| Noninterest expense to average assets | 2.3445% | 6,268 |
| Loan and lease loss provision to assets | 0.1184% | 5,411 |
| Net operating income to assets | 1.5677% | 798 |
| Return on assets (ROA) | 1.5677% | 853 |
| Pretax return on assets | 1.6103% | 1,237 |
| Return on Equity (ROE) | 20.3771% | 360 |
| Retained earnings to average equity (ytd only) | 4.0631% | 3,719 |
| Net charge-offs to loans | 1.1411% | 1,474 |
| Credit loss provision to net charge-offs | 13.5135% | 5,017 |
| Earnings coverage of net charge-offs (x) | 1.9730% | 3,548 |
| Efficiency ratio | 57.5581% | 6,555 |
| Assets per employee ($millions) | 4.7308% | 2,601 |
| Cash dividends to net income (ytd only)* | 80.0604% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,789 |
| Loan loss allowance to noncurrent loans | 166.4165% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 5,949 |
| Noncurrent loans to loans | 0.7976% | 5,723 |
| Net loans and leases to total assets | 77.4364% | 1,264 |
| Net loans and leases to deposits | 87.8171% | 2,252 |
| Net loans and leases to core deposits | 90.3673% | 3,317 |
| Total domestic deposits to total assets | 88.1792% | 1,958 |
| Equity capital to assets | 7.6601% | 6,960 |
| Core capital (leverage) ratio | 7.6549% | 6,674 |
| Tier 1 risk-based capital ratio | 9.3181% | 7,386 |
| Total risk-based capital ratio | 10.5683% | 7,382 |
| Memoranda: | ||
| Average total assets | $84,454,500 | 5,616 |
| Average earning assets | $79,840,000 | 5,510 |
| Average equity | $6,497,500 | 6,347 |
| Average total loans | $64,850,000 | 5,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3368% | 4,997 |
| Cost of funding earning assets | 1.9359% | 3,273 |
| Net interest margin | 3.4008% | 5,358 |
| Noninterest income to average assets | 0.3496% | 5,594 |
| Noninterest expense to average assets | 2.4169% | 6,416 |
| Loan and lease loss provision to assets | 0.4690% | 4,010 |
| Net operating income to assets | 0.5543% | 3,509 |
| Return on assets (ROA) | 0.5543% | 3,596 |
| Pretax return on assets | 0.5860% | 3,944 |
| Return on Equity (ROE) | 7.1265% | 2,746 |
| Retained earnings to average equity (ytd only) | 1.1590% | 4,235 |
| Net charge-offs to loans | 0.5539% | 3,567 |
| Credit loss provision to net charge-offs | 119.1950% | 4,505 |
| Earnings coverage of net charge-offs (x) | 2.6811% | 3,763 |
| Efficiency ratio | 69.6140% | 4,713 |
| Assets per employee ($millions) | 4.6530% | 2,684 |
| Cash dividends to net income (ytd only)* | 83.7363% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 3,027 |
| Loan loss allowance to noncurrent loans | 222.2930% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 6,050 |
| Noncurrent loans to loans | 0.7491% | 5,763 |
| Net loans and leases to total assets | 73.8174% | 2,313 |
| Net loans and leases to deposits | 81.0416% | 3,788 |
| Net loans and leases to core deposits | 93.1998% | 4,759 |
| Total domestic deposits to total assets | 91.0858% | 503 |
| Equity capital to assets | 7.7274% | 6,834 |
| Core capital (leverage) ratio | 7.4808% | 6,809 |
| Tier 1 risk-based capital ratio | 9.5814% | 7,175 |
| Total risk-based capital ratio | 10.8353% | 7,155 |
| Memoranda: | ||
| Average total assets | $82,088,200 | 5,664 |
| Average earning assets | $75,364,000 | 5,623 |
| Average equity | $6,384,600 | 6,467 |
| Average total loans | $58,315,800 | 5,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 5,120 |
| Cost of funding earning assets | 2.0398% | 3,164 |
| Net interest margin | 3.3238% | 5,545 |
| Noninterest income to average assets | 0.3592% | 5,622 |
| Noninterest expense to average assets | 2.3067% | 6,684 |
| Loan and lease loss provision to assets | 0.5061% | 3,363 |
| Net operating income to assets | 0.5110% | 3,935 |
| Return on assets (ROA) | 0.5110% | 4,023 |
| Pretax return on assets | 0.5763% | 4,275 |
| Return on Equity (ROE) | 6.5588% | 3,278 |
| Retained earnings to average equity (ytd only) | -1.4249% | 5,591 |
| Net charge-offs to loans | 0.7555% | 2,471 |
| Credit loss provision to net charge-offs | 95.6790% | 5,317 |
| Earnings coverage of net charge-offs (x) | 2.0463% | 4,285 |
| Efficiency ratio | 68.0636% | 4,962 |
| Assets per employee ($millions) | 4.6121% | 2,684 |
| Cash dividends to net income (ytd only)* | 121.7267% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 2,687 |
| Loan loss allowance to noncurrent loans | 108.9787% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 4,931 |
| Noncurrent loans to loans | 1.5447% | 4,327 |
| Net loans and leases to total assets | 68.3093% | 3,885 |
| Net loans and leases to deposits | 75.0755% | 5,199 |
| Net loans and leases to core deposits | 87.0905% | 5,743 |
| Total domestic deposits to total assets | 90.9875% | 423 |
| Equity capital to assets | 7.6441% | 7,196 |
| Core capital (leverage) ratio | 7.4954% | 6,979 |
| Tier 1 risk-based capital ratio | 10.1509% | 6,831 |
| Total risk-based capital ratio | 11.4040% | 6,767 |
| Memoranda: | ||
| Average total assets | $81,671,750 | 5,703 |
| Average earning assets | $74,450,500 | 5,697 |
| Average equity | $6,362,750 | 6,535 |
| Average total loans | $57,176,750 | 5,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5153% | 4,539 |
| Cost of funding earning assets | 2.1288% | 3,138 |
| Net interest margin | 3.3864% | 5,228 |
| Noninterest income to average assets | 0.3669% | 5,578 |
| Noninterest expense to average assets | 2.3294% | 6,677 |
| Loan and lease loss provision to assets | 0.5787% | 2,707 |
| Net operating income to assets | 0.4358% | 4,352 |
| Return on assets (ROA) | 0.4358% | 4,466 |
| Pretax return on assets | 0.5023% | 4,607 |
| Return on Equity (ROE) | 5.5588% | 3,832 |
| Retained earnings to average equity (ytd only) | -3.8001% | 6,097 |
| Net charge-offs to loans | 1.1437% | 1,593 |
| Credit loss provision to net charge-offs | 72.0859% | 5,381 |
| Earnings coverage of net charge-offs (x) | 1.3466% | 4,516 |
| Efficiency ratio | 68.3032% | 5,102 |
| Assets per employee ($millions) | 4.5822% | 2,646 |
| Cash dividends to net income (ytd only)* | 168.3616% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 2,864 |
| Loan loss allowance to noncurrent loans | 178.0876% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,898 |
| Noncurrent loans to loans | 0.8824% | 5,447 |
| Net loans and leases to total assets | 67.8888% | 4,169 |
| Net loans and leases to deposits | 74.6437% | 5,358 |
| Net loans and leases to core deposits | 87.3078% | 5,786 |
| Total domestic deposits to total assets | 90.9504% | 466 |
| Equity capital to assets | 7.6456% | 7,135 |
| Core capital (leverage) ratio | 7.5479% | 6,962 |
| Tier 1 risk-based capital ratio | 10.2649% | 6,634 |
| Total risk-based capital ratio | 11.5180% | 6,561 |
| Memoranda: | ||
| Average total assets | $81,223,000 | 5,751 |
| Average earning assets | $72,997,330 | 5,788 |
| Average equity | $6,368,330 | 6,586 |
| Average total loans | $57,009,000 | 5,466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 3,248 |
| Cost of funding earning assets | 2.2284% | 3,019 |
| Net interest margin | 3.5809% | 4,404 |
| Noninterest income to average assets | 0.3822% | 5,365 |
| Noninterest expense to average assets | 2.2086% | 6,848 |
| Loan and lease loss provision to assets | 0.6204% | 2,035 |
| Net operating income to assets | 0.6948% | 3,585 |
| Return on assets (ROA) | 0.6948% | 3,770 |
| Pretax return on assets | 0.7594% | 4,222 |
| Return on Equity (ROE) | 8.7507% | 2,818 |
| Retained earnings to average equity (ytd only) | -4.6879% | 6,513 |
| Net charge-offs to loans | 0.2523% | 3,147 |
| Credit loss provision to net charge-offs | 347.2222% | 1,448 |
| Earnings coverage of net charge-offs (x) | 7.7222% | 2,306 |
| Efficiency ratio | 61.5491% | 6,140 |
| Assets per employee ($millions) | 4.5252% | 2,679 |
| Cash dividends to net income (ytd only)* | 153.5714% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 1,620 |
| Loan loss allowance to noncurrent loans | 204.5714% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 5,555 |
| Noncurrent loans to loans | 0.9282% | 5,146 |
| Net loans and leases to total assets | 68.1239% | 4,106 |
| Net loans and leases to deposits | 75.0257% | 5,339 |
| Net loans and leases to core deposits | 87.2469% | 5,814 |
| Total domestic deposits to total assets | 90.8008% | 479 |
| Equity capital to assets | 7.7971% | 7,075 |
| Core capital (leverage) ratio | 7.7280% | 6,853 |
| Tier 1 risk-based capital ratio | 10.3243% | 6,571 |
| Total risk-based capital ratio | 11.5803% | 6,484 |
| Memoranda: | ||
| Average total assets | $80,595,000 | 5,802 |
| Average earning assets | $72,160,000 | 5,840 |
| Average equity | $6,399,500 | 6,612 |
| Average total loans | $57,069,500 | 5,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2360% | 4,320 |
| Cost of funding earning assets | 2.5539% | 3,933 |
| Net interest margin | 3.6821% | 4,540 |
| Noninterest income to average assets | 0.3813% | 5,632 |
| Noninterest expense to average assets | 2.3422% | 6,585 |
| Loan and lease loss provision to assets | 0.4666% | 2,965 |
| Net operating income to assets | 0.9065% | 2,969 |
| Return on assets (ROA) | 0.9065% | 2,817 |
| Pretax return on assets | 0.9705% | 3,486 |
| Return on Equity (ROE) | 10.8929% | 1,938 |
| Retained earnings to average equity (ytd only) | 4.7897% | 2,156 |
| Net charge-offs to loans | 0.1666% | 4,533 |
| Credit loss provision to net charge-offs | 388.8889% | 1,140 |
| Earnings coverage of net charge-offs (x) | 11.9778% | 2,309 |
| Efficiency ratio | 61.9753% | 5,954 |
| Assets per employee ($millions) | 4.4298% | 2,721 |
| Cash dividends to net income (ytd only)* | 56.0294% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 1,880 |
| Loan loss allowance to noncurrent loans | 129.4350% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 4,442 |
| Noncurrent loans to loans | 1.3217% | 3,870 |
| Net loans and leases to total assets | 70.9721% | 3,787 |
| Net loans and leases to deposits | 78.4167% | 5,282 |
| Net loans and leases to core deposits | 91.2994% | 5,694 |
| Total domestic deposits to total assets | 90.5063% | 484 |
| Equity capital to assets | 8.0866% | 6,724 |
| Core capital (leverage) ratio | 8.0962% | 6,328 |
| Tier 1 risk-based capital ratio | 10.5207% | 6,191 |
| Total risk-based capital ratio | 11.7755% | 6,073 |
| Memoranda: | ||
| Average total assets | $75,014,000 | 5,872 |
| Average earning assets | $69,227,000 | 5,848 |
| Average equity | $6,242,600 | 6,718 |
| Average total loans | $54,027,000 | 5,526 |