Home > Farmers State Bank of Underwood > Performance and Condition Ratios
Farmers State Bank of Underwood, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 1,168 |
| Cost of funding earning assets | 1.2994% | 2,515 |
| Net interest margin | 4.1945% | 941 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 3.1541% | 871 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9485% | 2,372 |
| Return on assets (ROA) | 0.9485% | 2,364 |
| Pretax return on assets | 1.0317% | 2,579 |
| Return on Equity (ROE) | 16.7100% | 987 |
| Retained earnings to average equity (ytd only) | 9.0348% | 1,245 |
| Net charge-offs to loans | 0.0068% | 2,425 |
| Credit loss provision to net charge-offs | 1,400.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 227.2000% | 539 |
| Efficiency ratio | 74.1524% | 1,441 |
| Assets per employee ($millions) | 5.3064% | 3,388 |
| Cash dividends to net income (ytd only)* | 45.9184% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 1,685 |
| Loan loss allowance to noncurrent loans | 361.4286% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 1,904 |
| Noncurrent loans to loans | 0.3648% | 1,893 |
| Net loans and leases to total assets | 71.3700% | 1,654 |
| Net loans and leases to deposits | 82.6353% | 1,900 |
| Net loans and leases to core deposits | 94.7272% | 1,727 |
| Total domestic deposits to total assets | 86.3700% | 1,900 |
| Equity capital to assets | 6.1389% | 4,207 |
| Core capital (leverage) ratio | 7.9605% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1164% | 2,548 |
| Memoranda: | ||
| Average total assets | $103,325,800 | 3,802 |
| Average earning assets | $96,198,400 | 3,783 |
| Average equity | $5,866,200 | 4,174 |
| Average total loans | $73,525,800 | 3,502 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,260 |
| Cost of funding earning assets | 1.0722% | 2,825 |
| Net interest margin | 4.2486% | 867 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 3.0583% | 979 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0861% | 2,096 |
| Return on assets (ROA) | 1.0861% | 2,084 |
| Pretax return on assets | 1.1641% | 2,377 |
| Return on Equity (ROE) | 19.5400% | 770 |
| Retained earnings to average equity (ytd only) | 11.3602% | 1,096 |
| Net charge-offs to loans | -0.0037% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.6591% | 1,605 |
| Assets per employee ($millions) | 4.8947% | 3,676 |
| Cash dividends to net income (ytd only)* | 41.8660% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 1,728 |
| Loan loss allowance to noncurrent loans | 946.1538% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,901 |
| Noncurrent loans to loans | 0.1408% | 2,845 |
| Net loans and leases to total assets | 70.9100% | 1,714 |
| Net loans and leases to deposits | 80.2999% | 2,020 |
| Net loans and leases to core deposits | 93.0296% | 1,731 |
| Total domestic deposits to total assets | 88.3000% | 1,478 |
| Equity capital to assets | 5.6378% | 4,097 |
| Core capital (leverage) ratio | 8.0064% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3739% | 2,488 |
| Memoranda: | ||
| Average total assets | $102,625,500 | 3,824 |
| Average earning assets | $95,746,500 | 3,802 |
| Average equity | $5,704,000 | 4,201 |
| Average total loans | $72,719,000 | 3,519 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 1,371 |
| Cost of funding earning assets | 0.9569% | 2,745 |
| Net interest margin | 4.1444% | 1,013 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.0203% | 1,012 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0256% | 2,336 |
| Return on assets (ROA) | 1.0256% | 2,330 |
| Pretax return on assets | 1.0958% | 2,658 |
| Return on Equity (ROE) | 18.5400% | 887 |
| Retained earnings to average equity (ytd only) | 7.9666% | 1,974 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1808% | 1,533 |
| Assets per employee ($millions) | 4.7822% | 3,760 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,697 |
| Loan loss allowance to noncurrent loans | 326.5781% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 1,717 |
| Noncurrent loans to loans | 0.4145% | 1,687 |
| Net loans and leases to total assets | 71.3300% | 1,603 |
| Net loans and leases to deposits | 80.0608% | 1,973 |
| Net loans and leases to core deposits | 91.4642% | 1,714 |
| Total domestic deposits to total assets | 89.0900% | 1,226 |
| Equity capital to assets | 5.7794% | 4,207 |
| Core capital (leverage) ratio | 7.8552% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1986% | 2,574 |
| Memoranda: | ||
| Average total assets | $102,571,333 | 3,835 |
| Average earning assets | $95,937,667 | 3,815 |
| Average equity | $5,673,667 | 4,232 |
| Average total loans | $72,335,667 | 3,527 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,344 |
| Cost of funding earning assets | 0.8159% | 2,678 |
| Net interest margin | 4.1252% | 1,062 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 3.0103% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1115% | 2,190 |
| Return on assets (ROA) | 1.1115% | 2,155 |
| Pretax return on assets | 1.1115% | 2,675 |
| Return on Equity (ROE) | 20.5400% | 703 |
| Retained earnings to average equity (ytd only) | 6.2762% | 2,686 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.0337% | 1,429 |
| Assets per employee ($millions) | 4.9412% | 3,705 |
| Cash dividends to net income (ytd only)* | 69.4444% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,803 |
| 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 | 66.5800% | 2,001 |
| Net loans and leases to deposits | 73.2535% | 2,367 |
| Net loans and leases to core deposits | 83.0297% | 2,057 |
| Total domestic deposits to total assets | 90.8900% | 834 |
| Equity capital to assets | 5.5616% | 4,327 |
| Core capital (leverage) ratio | 7.3730% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3507% | 2,617 |
| Memoranda: | ||
| Average total assets | $103,644,000 | 3,873 |
| Average earning assets | $96,577,000 | 3,854 |
| Average equity | $5,608,500 | 4,291 |
| Average total loans | $72,196,000 | 3,566 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 970 |
| Cost of funding earning assets | 0.5283% | 1,219 |
| Net interest margin | 3.8218% | 1,115 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.0439% | 904 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7536% | 3,474 |
| Return on assets (ROA) | 0.7536% | 3,415 |
| Pretax return on assets | 0.8461% | 3,495 |
| Return on Equity (ROE) | 13.0700% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.6737% | 3,185 |
| Net charge-offs to loans | 0.0028% | 2,397 |
| Credit loss provision to net charge-offs | 2,250.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 452.5000% | 358 |
| Efficiency ratio | 77.3693% | 897 |
| Assets per employee ($millions) | 4.9297% | 3,728 |
| Cash dividends to net income (ytd only)* | 64.2298% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,014 |
| Loan loss allowance to noncurrent loans | 3,511.1111% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,565 |
| Noncurrent loans to loans | 0.0363% | 3,520 |
| Net loans and leases to total assets | 70.9100% | 1,533 |
| Net loans and leases to deposits | 77.9425% | 1,955 |
| Net loans and leases to core deposits | 86.4588% | 1,716 |
| Total domestic deposits to total assets | 90.9800% | 967 |
| Equity capital to assets | 5.2607% | 4,298 |
| Core capital (leverage) ratio | 7.6253% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8443% | 2,775 |
| Memoranda: | ||
| Average total assets | $101,645,400 | 3,912 |
| Average earning assets | $95,217,400 | 3,883 |
| Average equity | $5,862,600 | 4,341 |
| Average total loans | $71,504,200 | 3,556 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 779 |
| Cost of funding earning assets | 0.4949% | 767 |
| Net interest margin | 3.7754% | 983 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 3.0916% | 796 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6958% | 3,578 |
| Return on assets (ROA) | 0.6958% | 3,540 |
| Pretax return on assets | 0.7604% | 3,669 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.1171% | 3,057 |
| Net charge-offs to loans | -0.0038% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.4446% | 805 |
| Assets per employee ($millions) | 4.7400% | 3,880 |
| Cash dividends to net income (ytd only)* | 56.6288% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 1,965 |
| 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 | 70.5500% | 1,434 |
| Net loans and leases to deposits | 77.3584% | 1,768 |
| Net loans and leases to core deposits | 84.3525% | 1,628 |
| Total domestic deposits to total assets | 91.2000% | 1,159 |
| Equity capital to assets | 5.0312% | 4,284 |
| Core capital (leverage) ratio | 7.4823% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1342% | 2,778 |
| Memoranda: | ||
| Average total assets | $101,176,000 | 3,942 |
| Average earning assets | $95,105,250 | 3,912 |
| Average equity | $5,966,750 | 4,373 |
| Average total loans | $70,791,500 | 3,580 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 630 |
| Cost of funding earning assets | 0.4739% | 607 |
| Net interest margin | 3.7241% | 874 |
| Noninterest income to average assets | 0.3205% | 3,256 |
| Noninterest expense to average assets | 3.0495% | 794 |
| Loan and lease loss provision to assets | 0.0295% | 2,062 |
| Net operating income to assets | 0.6882% | 3,347 |
| Return on assets (ROA) | 0.6882% | 3,304 |
| Pretax return on assets | 0.7491% | 3,452 |
| Return on Equity (ROE) | 11.1353% | 1,937 |
| Retained earnings to average equity (ytd only) | 2.6725% | 3,555 |
| Net charge-offs to loans | -0.0057% | 3,386 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 972 |
| Assets per employee ($millions) | 4.9162% | 3,745 |
| Cash dividends to net income (ytd only)* | 76.0000% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,263 |
| Loan loss allowance to noncurrent loans | 2,558.3333% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,634 |
| Noncurrent loans to loans | 0.0502% | 3,573 |
| Net loans and leases to total assets | 68.6042% | 1,430 |
| Net loans and leases to deposits | 75.3463% | 1,736 |
| Net loans and leases to core deposits | 84.5443% | 1,421 |
| Total domestic deposits to total assets | 91.0519% | 1,207 |
| Equity capital to assets | 5.3991% | 4,396 |
| Core capital (leverage) ratio | 7.4509% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7861% | 2,866 |
| Memoranda: | ||
| Average total assets | $101,721,667 | 3,970 |
| Average earning assets | $95,808,000 | 3,954 |
| Average equity | $6,286,333 | 4,385 |
| Average total loans | $70,668,000 | 3,611 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 507 |
| Cost of funding earning assets | 0.4711% | 580 |
| Net interest margin | 3.7394% | 698 |
| Noninterest income to average assets | 0.3566% | 2,955 |
| Noninterest expense to average assets | 2.9635% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9152% | 2,227 |
| Return on assets (ROA) | 0.9152% | 2,226 |
| Pretax return on assets | 0.9152% | 2,718 |
| Return on Equity (ROE) | 13.9104% | 853 |
| Retained earnings to average equity (ytd only) | 1.8668% | 3,580 |
| Net charge-offs to loans | -0.0057% | 3,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 1,472 |
| Assets per employee ($millions) | 4.7265% | 3,981 |
| Cash dividends to net income (ytd only)* | 86.5801% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,361 |
| Loan loss allowance to noncurrent loans | 2,516.6667% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,962 |
| Noncurrent loans to loans | 0.0517% | 3,612 |
| Net loans and leases to total assets | 69.2714% | 1,086 |
| Net loans and leases to deposits | 77.1811% | 1,346 |
| Net loans and leases to core deposits | 87.1863% | 1,072 |
| Total domestic deposits to total assets | 89.7518% | 1,692 |
| Equity capital to assets | 6.0964% | 4,562 |
| Core capital (leverage) ratio | 7.7135% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0813% | 2,874 |
| Memoranda: | ||
| Average total assets | $100,962,500 | 3,996 |
| Average earning assets | $95,094,500 | 3,974 |
| Average equity | $6,642,500 | 4,396 |
| Average total loans | $70,128,000 | 3,615 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 339 |
| Cost of funding earning assets | 0.6019% | 534 |
| Net interest margin | 4.2407% | 458 |
| Noninterest income to average assets | 0.2709% | 3,771 |
| Noninterest expense to average assets | 3.2308% | 695 |
| Loan and lease loss provision to assets | 0.0266% | 2,529 |
| Net operating income to assets | 0.8978% | 3,054 |
| Return on assets (ROA) | 0.8978% | 3,111 |
| Pretax return on assets | 0.9732% | 3,336 |
| Return on Equity (ROE) | 11.7554% | 1,897 |
| Retained earnings to average equity (ytd only) | 3.4640% | 3,427 |
| Net charge-offs to loans | -0.0243% | 4,047 |
| Credit loss provision to net charge-offs | -156.2500% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3687% | 1,075 |
| Assets per employee ($millions) | 4.8890% | 3,825 |
| Cash dividends to net income (ytd only)* | 70.5325% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,447 |
| Loan loss allowance to noncurrent loans | 905.0000% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,276 |
| Noncurrent loans to loans | 0.1417% | 3,229 |
| Net loans and leases to total assets | 67.8774% | 1,281 |
| Net loans and leases to deposits | 78.9194% | 1,303 |
| Net loans and leases to core deposits | 86.9808% | 1,137 |
| Total domestic deposits to total assets | 86.0084% | 2,902 |
| Equity capital to assets | 7.0459% | 4,710 |
| Core capital (leverage) ratio | 7.4299% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3539% | 3,011 |
| Memoranda: | ||
| Average total assets | $94,124,000 | 4,055 |
| Average earning assets | $87,886,600 | 4,042 |
| Average equity | $7,188,200 | 4,407 |
| Average total loans | $65,958,800 | 3,724 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 374 |
| Cost of funding earning assets | 0.6426% | 511 |
| Net interest margin | 4.2142% | 527 |
| Noninterest income to average assets | 0.2841% | 3,743 |
| Noninterest expense to average assets | 3.2743% | 621 |
| Loan and lease loss provision to assets | 0.0359% | 2,282 |
| Net operating income to assets | 0.8900% | 3,275 |
| Return on assets (ROA) | 0.8900% | 3,350 |
| Pretax return on assets | 0.8900% | 3,717 |
| Return on Equity (ROE) | 11.4069% | 2,235 |
| Retained earnings to average equity (ytd only) | 1.9135% | 4,215 |
| Net charge-offs to loans | -0.0350% | 4,201 |
| Credit loss provision to net charge-offs | -147.0588% | 3,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9503% | 878 |
| Assets per employee ($millions) | 4.6498% | 4,005 |
| Cash dividends to net income (ytd only)* | 83.2248% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,687 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 64.9905% | 1,656 |
| Net loans and leases to deposits | 73.2203% | 1,939 |
| Net loans and leases to core deposits | 80.8655% | 1,664 |
| Total domestic deposits to total assets | 88.7603% | 1,427 |
| Equity capital to assets | 7.4433% | 4,719 |
| Core capital (leverage) ratio | 7.5607% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0377% | 2,958 |
| Memoranda: | ||
| Average total assets | $91,987,750 | 4,134 |
| Average earning assets | $85,487,250 | 4,115 |
| Average equity | $7,176,750 | 4,472 |
| Average total loans | $64,800,000 | 3,793 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 577 |
| Cost of funding earning assets | 0.6747% | 511 |
| Net interest margin | 3.9739% | 859 |
| Noninterest income to average assets | 0.2242% | 4,059 |
| Noninterest expense to average assets | 3.3296% | 593 |
| Loan and lease loss provision to assets | 0.0555% | 1,918 |
| Net operating income to assets | 0.5261% | 4,167 |
| Return on assets (ROA) | 0.5261% | 4,211 |
| Pretax return on assets | 0.5261% | 4,340 |
| Return on Equity (ROE) | 6.6328% | 3,744 |
| Retained earnings to average equity (ytd only) | -5.9891% | 4,806 |
| Net charge-offs to loans | -0.0462% | 4,336 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1305% | 507 |
| Assets per employee ($millions) | 4.4697% | 4,119 |
| Cash dividends to net income (ytd only)* | 190.2954% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,757 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.5261% | 1,509 |
| Net loans and leases to deposits | 76.1647% | 1,802 |
| Net loans and leases to core deposits | 84.7591% | 1,512 |
| Total domestic deposits to total assets | 88.6579% | 1,472 |
| Equity capital to assets | 7.4247% | 4,758 |
| Core capital (leverage) ratio | 7.3745% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8129% | 2,995 |
| Memoranda: | ||
| Average total assets | $90,102,000 | 4,172 |
| Average earning assets | $83,594,667 | 4,163 |
| Average equity | $7,146,333 | 4,496 |
| Average total loans | $64,944,667 | 3,815 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 652 |
| Cost of funding earning assets | 0.7080% | 527 |
| Net interest margin | 3.9016% | 985 |
| Noninterest income to average assets | 0.3128% | 3,533 |
| Noninterest expense to average assets | 3.3235% | 582 |
| Loan and lease loss provision to assets | 0.1134% | 1,221 |
| Net operating income to assets | 0.4987% | 4,177 |
| Return on assets (ROA) | 0.4987% | 4,217 |
| Pretax return on assets | 0.4987% | 4,354 |
| Return on Equity (ROE) | 6.0815% | 3,836 |
| Retained earnings to average equity (ytd only) | -0.7187% | 4,431 |
| Net charge-offs to loans | -0.0552% | 4,431 |
| Credit loss provision to net charge-offs | -277.7778% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4470% | 574 |
| Assets per employee ($millions) | 4.3709% | 4,218 |
| Cash dividends to net income (ytd only)* | 111.8182% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 2,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 2,715 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.2010% | 1,126 |
| Net loans and leases to deposits | 80.7827% | 1,447 |
| Net loans and leases to core deposits | 90.6059% | 1,192 |
| Total domestic deposits to total assets | 88.1390% | 1,771 |
| Equity capital to assets | 7.8387% | 4,577 |
| Core capital (leverage) ratio | 8.1194% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5865% | 2,793 |
| Memoranda: | ||
| Average total assets | $88,221,500 | 4,211 |
| Average earning assets | $81,915,500 | 4,195 |
| Average equity | $7,235,000 | 4,507 |
| Average total loans | $65,274,000 | 3,825 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5725% | 165 |
| Cost of funding earning assets | 0.9732% | 658 |
| Net interest margin | 4.5993% | 262 |
| Noninterest income to average assets | 0.3822% | 3,200 |
| Noninterest expense to average assets | 3.2793% | 929 |
| Loan and lease loss provision to assets | 0.1892% | 2,055 |
| Net operating income to assets | 1.1516% | 1,718 |
| Return on assets (ROA) | 1.1516% | 1,842 |
| Pretax return on assets | 1.1516% | 2,510 |
| Return on Equity (ROE) | 12.8375% | 1,081 |
| Retained earnings to average equity (ytd only) | 0.7312% | 4,308 |
| Net charge-offs to loans | 0.1294% | 1,218 |
| Credit loss provision to net charge-offs | 197.3684% | 2,175 |
| Earnings coverage of net charge-offs (x) | 13.9868% | 2,247 |
| Efficiency ratio | 70.9801% | 1,813 |
| Assets per employee ($millions) | 4.4555% | 3,962 |
| Cash dividends to net income (ytd only)* | 94.3045% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 2,226 |
| Loan loss allowance to noncurrent loans | 1,797.9167% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 2,510 |
| Noncurrent loans to loans | 0.0747% | 3,993 |
| Net loans and leases to total assets | 74.9324% | 912 |
| Net loans and leases to deposits | 86.1278% | 1,247 |
| Net loans and leases to core deposits | 96.9998% | 1,060 |
| Total domestic deposits to total assets | 87.0014% | 1,950 |
| Equity capital to assets | 8.5937% | 4,378 |
| Core capital (leverage) ratio | 8.5163% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0966% | 2,897 |
| Memoranda: | ||
| Average total assets | $79,284,400 | 4,253 |
| Average earning assets | $73,055,200 | 4,252 |
| Average equity | $7,112,000 | 4,514 |
| Average total loans | $58,730,400 | 3,942 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 189 |
| Cost of funding earning assets | 1.0231% | 706 |
| Net interest margin | 4.5753% | 328 |
| Noninterest income to average assets | 0.3627% | 3,287 |
| Noninterest expense to average assets | 3.2468% | 986 |
| Loan and lease loss provision to assets | 0.1116% | 2,928 |
| Net operating income to assets | 1.2197% | 1,576 |
| Return on assets (ROA) | 1.2197% | 1,698 |
| Pretax return on assets | 1.2197% | 2,327 |
| Return on Equity (ROE) | 13.4438% | 990 |
| Retained earnings to average equity (ytd only) | -2.7717% | 4,759 |
| Net charge-offs to loans | 0.0860% | 1,447 |
| Credit loss provision to net charge-offs | 175.6757% | 2,198 |
| Earnings coverage of net charge-offs (x) | 21.0270% | 1,879 |
| Efficiency ratio | 70.9268% | 1,759 |
| Assets per employee ($millions) | 4.4525% | 3,901 |
| Cash dividends to net income (ytd only)* | 120.6171% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,107 |
| Loan loss allowance to noncurrent loans | 357.8947% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 1,890 |
| Noncurrent loans to loans | 0.3669% | 2,969 |
| Net loans and leases to total assets | 72.4911% | 1,590 |
| Net loans and leases to deposits | 83.2329% | 1,993 |
| Net loans and leases to core deposits | 96.8203% | 1,389 |
| Total domestic deposits to total assets | 87.0943% | 1,629 |
| Equity capital to assets | 8.3832% | 4,529 |
| Core capital (leverage) ratio | 8.3647% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1948% | 2,873 |
| Memoranda: | ||
| Average total assets | $77,941,750 | 4,276 |
| Average earning assets | $71,804,750 | 4,285 |
| Average equity | $7,071,250 | 4,535 |
| Average total loans | $57,338,750 | 3,977 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 247 |
| Cost of funding earning assets | 1.0727% | 785 |
| Net interest margin | 4.5920% | 420 |
| Noninterest income to average assets | 0.3883% | 3,152 |
| Noninterest expense to average assets | 3.2170% | 1,130 |
| Loan and lease loss provision to assets | 0.1056% | 2,956 |
| Net operating income to assets | 1.2942% | 1,371 |
| Return on assets (ROA) | 1.2942% | 1,482 |
| Pretax return on assets | 1.2942% | 2,047 |
| Return on Equity (ROE) | 13.8725% | 911 |
| Retained earnings to average equity (ytd only) | -6.9929% | 4,850 |
| Net charge-offs to loans | 0.0072% | 2,705 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 358 |
| Efficiency ratio | 69.6796% | 2,001 |
| Assets per employee ($millions) | 5.4159% | 2,721 |
| Cash dividends to net income (ytd only)* | 150.4082% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,573 |
| Loan loss allowance to noncurrent loans | 130.6477% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 1,363 |
| Noncurrent loans to loans | 1.0733% | 1,445 |
| Net loans and leases to total assets | 71.5802% | 1,788 |
| Net loans and leases to deposits | 82.4872% | 2,151 |
| Net loans and leases to core deposits | 98.3343% | 1,389 |
| Total domestic deposits to total assets | 86.7773% | 1,706 |
| Equity capital to assets | 8.6387% | 4,395 |
| Core capital (leverage) ratio | 8.7610% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,723,000 | 4,314 |
| Average earning assets | $69,729,667 | 4,318 |
| Average equity | $7,064,333 | 4,559 |
| Average total loans | $55,737,667 | 4,024 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 174 |
| Cost of funding earning assets | 1.1275% | 961 |
| Net interest margin | 4.8039% | 276 |
| Noninterest income to average assets | 0.4386% | 2,857 |
| Noninterest expense to average assets | 3.3989% | 1,067 |
| Loan and lease loss provision to assets | 0.0822% | 2,667 |
| Net operating income to assets | 1.3486% | 1,111 |
| Return on assets (ROA) | 1.3486% | 1,195 |
| Pretax return on assets | 1.3486% | 1,722 |
| Return on Equity (ROE) | 13.8836% | 717 |
| Retained earnings to average equity (ytd only) | -13.8836% | 4,873 |
| Net charge-offs to loans | 0.0222% | 1,923 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 639 |
| Efficiency ratio | 70.3746% | 2,299 |
| Assets per employee ($millions) | 4.8616% | 2,801 |
| Cash dividends to net income (ytd only)* | 200.0000% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,442 |
| Loan loss allowance to noncurrent loans | 111.2656% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1162% | 1,156 |
| Noncurrent loans to loans | 1.3226% | 1,229 |
| Net loans and leases to total assets | 73.4518% | 1,701 |
| Net loans and leases to deposits | 86.7223% | 1,906 |
| Net loans and leases to core deposits | 104.2182% | 1,178 |
| Total domestic deposits to total assets | 84.6978% | 2,528 |
| Equity capital to assets | 9.6237% | 4,112 |
| Core capital (leverage) ratio | 9.6448% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,965,000 | 4,361 |
| Average earning assets | $66,696,500 | 4,373 |
| Average equity | $7,087,500 | 4,590 |
| Average total loans | $54,117,500 | 4,069 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 232 |
| Cost of funding earning assets | 1.0209% | 1,631 |
| Net interest margin | 4.9619% | 288 |
| Noninterest income to average assets | 0.5076% | 2,687 |
| Noninterest expense to average assets | 3.1265% | 1,701 |
| Loan and lease loss provision to assets | 0.1530% | 1,378 |
| Net operating income to assets | 1.7774% | 550 |
| Return on assets (ROA) | 1.7774% | 584 |
| Pretax return on assets | 1.7774% | 998 |
| Return on Equity (ROE) | 19.0105% | 269 |
| Retained earnings to average equity (ytd only) | 8.1665% | 925 |
| Net charge-offs to loans | 0.0649% | 2,169 |
| Credit loss provision to net charge-offs | 323.5294% | 859 |
| Earnings coverage of net charge-offs (x) | 40.8235% | 1,304 |
| Efficiency ratio | 61.8262% | 3,409 |
| Assets per employee ($millions) | 4.8671% | 2,755 |
| Cash dividends to net income (ytd only)* | 57.0423% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,333 |
| Loan loss allowance to noncurrent loans | 104.7872% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0301% | 1,210 |
| Noncurrent loans to loans | 1.3959% | 1,048 |
| Net loans and leases to total assets | 72.7105% | 1,966 |
| Net loans and leases to deposits | 83.2374% | 2,415 |
| Net loans and leases to core deposits | 101.2030% | 1,467 |
| Total domestic deposits to total assets | 87.3531% | 1,430 |
| Equity capital to assets | 9.8033% | 4,097 |
| Core capital (leverage) ratio | 9.8308% | 3,695 |
| Tier 1 risk-based capital ratio | 13.1081% | 3,740 |
| Total risk-based capital ratio | 14.3598% | 3,622 |
| Memoranda: | ||
| Average total assets | $71,902,000 | 4,395 |
| Average earning assets | $65,922,200 | 4,407 |
| Average equity | $6,722,600 | 4,664 |
| Average total loans | $52,398,200 | 4,134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9698% | 251 |
| Cost of funding earning assets | 0.9916% | 1,801 |
| Net interest margin | 4.9782% | 303 |
| Noninterest income to average assets | 0.4840% | 2,830 |
| Noninterest expense to average assets | 3.1664% | 1,534 |
| Loan and lease loss provision to assets | 0.1489% | 1,275 |
| Net operating income to assets | 1.7386% | 690 |
| Return on assets (ROA) | 1.7386% | 728 |
| Pretax return on assets | 1.7386% | 1,227 |
| Return on Equity (ROE) | 18.8282% | 325 |
| Retained earnings to average equity (ytd only) | 4.1326% | 3,339 |
| Net charge-offs to loans | 0.0820% | 1,653 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 31.6843% | 1,579 |
| Efficiency ratio | 62.6519% | 3,222 |
| Assets per employee ($millions) | 4.8008% | 2,789 |
| Cash dividends to net income (ytd only)* | 78.0519% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,377 |
| Loan loss allowance to noncurrent loans | 226.4881% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,659 |
| Noncurrent loans to loans | 0.6426% | 2,351 |
| Net loans and leases to total assets | 71.5478% | 2,244 |
| Net loans and leases to deposits | 81.2614% | 2,768 |
| Net loans and leases to core deposits | 97.9823% | 1,827 |
| Total domestic deposits to total assets | 88.0464% | 1,017 |
| Equity capital to assets | 9.4443% | 4,501 |
| Core capital (leverage) ratio | 9.4276% | 4,254 |
| Tier 1 risk-based capital ratio | 12.6847% | 4,036 |
| Total risk-based capital ratio | 13.9372% | 3,906 |
| Memoranda: | ||
| Average total assets | $71,626,000 | 4,459 |
| Average earning assets | $65,751,250 | 4,464 |
| Average equity | $6,614,000 | 4,739 |
| Average total loans | $52,030,000 | 4,186 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 283 |
| Cost of funding earning assets | 0.9592% | 1,869 |
| Net interest margin | 4.9450% | 325 |
| Noninterest income to average assets | 0.4811% | 2,774 |
| Noninterest expense to average assets | 3.0770% | 1,800 |
| Loan and lease loss provision to assets | 0.1119% | 1,675 |
| Net operating income to assets | 1.8350% | 556 |
| Return on assets (ROA) | 1.8350% | 582 |
| Pretax return on assets | 1.8350% | 963 |
| Return on Equity (ROE) | 20.0254% | 258 |
| Retained earnings to average equity (ytd only) | 2.0453% | 4,098 |
| Net charge-offs to loans | 0.1309% | 1,150 |
| Credit loss provision to net charge-offs | 117.6471% | 1,766 |
| Earnings coverage of net charge-offs (x) | 20.4706% | 1,773 |
| Efficiency ratio | 61.2472% | 3,550 |
| Assets per employee ($millions) | 4.8487% | 2,668 |
| Cash dividends to net income (ytd only)* | 89.7866% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 1,711 |
| Loan loss allowance to noncurrent loans | 246.5753% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,900 |
| Noncurrent loans to loans | 0.5582% | 2,599 |
| Net loans and leases to total assets | 70.9350% | 2,398 |
| Net loans and leases to deposits | 80.1912% | 2,931 |
| Net loans and leases to core deposits | 96.4336% | 2,025 |
| Total domestic deposits to total assets | 88.4573% | 894 |
| Equity capital to assets | 9.1668% | 4,686 |
| Core capital (leverage) ratio | 9.3735% | 4,280 |
| Tier 1 risk-based capital ratio | 12.4691% | 4,144 |
| Total risk-based capital ratio | 13.7204% | 4,030 |
| Memoranda: | ||
| Average total assets | $71,497,330 | 4,495 |
| Average earning assets | $65,682,000 | 4,501 |
| Average equity | $6,551,670 | 4,778 |
| Average total loans | $51,945,330 | 4,222 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9916% | 225 |
| Cost of funding earning assets | 0.9279% | 1,889 |
| Net interest margin | 5.0637% | 259 |
| Noninterest income to average assets | 0.4345% | 2,948 |
| Noninterest expense to average assets | 2.9796% | 2,051 |
| Loan and lease loss provision to assets | 0.1129% | 1,576 |
| Net operating income to assets | 1.9921% | 388 |
| Return on assets (ROA) | 1.9921% | 405 |
| Pretax return on assets | 1.9921% | 650 |
| Return on Equity (ROE) | 21.7431% | 181 |
| Retained earnings to average equity (ytd only) | -2.5254% | 4,784 |
| Net charge-offs to loans | 0.2550% | 568 |
| Credit loss provision to net charge-offs | 60.6061% | 1,906 |
| Earnings coverage of net charge-offs (x) | 11.3030% | 1,914 |
| Efficiency ratio | 58.6016% | 4,004 |
| Assets per employee ($millions) | 4.6843% | 2,937 |
| Cash dividends to net income (ytd only)* | 111.6147% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,814 |
| Loan loss allowance to noncurrent loans | 316.7421% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,337 |
| Noncurrent loans to loans | 0.4306% | 3,038 |
| Net loans and leases to total assets | 72.0511% | 2,154 |
| Net loans and leases to deposits | 81.6720% | 2,644 |
| Net loans and leases to core deposits | 99.1694% | 1,694 |
| Total domestic deposits to total assets | 88.2201% | 1,227 |
| Equity capital to assets | 9.2708% | 4,461 |
| Core capital (leverage) ratio | 9.2469% | 4,414 |
| Tier 1 risk-based capital ratio | 12.5344% | 4,148 |
| Total risk-based capital ratio | 13.7861% | 4,023 |
| Memoranda: | ||
| Average total assets | $70,881,000 | 4,553 |
| Average earning assets | $65,091,000 | 4,560 |
| Average equity | $6,494,000 | 4,819 |
| Average total loans | $51,762,500 | 4,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 415 |
| Cost of funding earning assets | 0.7253% | 1,927 |
| Net interest margin | 4.7614% | 431 |
| Noninterest income to average assets | 0.5966% | 2,313 |
| Noninterest expense to average assets | 3.2606% | 1,416 |
| Loan and lease loss provision to assets | 0.1322% | 1,653 |
| Net operating income to assets | 1.5928% | 884 |
| Return on assets (ROA) | 1.5928% | 874 |
| Pretax return on assets | 1.5928% | 1,492 |
| Return on Equity (ROE) | 17.7472% | 418 |
| Retained earnings to average equity (ytd only) | 7.3019% | 1,536 |
| Net charge-offs to loans | 0.0253% | 2,900 |
| Credit loss provision to net charge-offs | 692.3077% | 501 |
| Earnings coverage of net charge-offs (x) | 90.3077% | 792 |
| Efficiency ratio | 65.3994% | 2,971 |
| Assets per employee ($millions) | 4.7665% | 2,789 |
| Cash dividends to net income (ytd only)* | 58.8561% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,763 |
| Loan loss allowance to noncurrent loans | 129.6364% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 1,815 |
| Noncurrent loans to loans | 1.0537% | 1,546 |
| Net loans and leases to total assets | 72.0104% | 2,255 |
| Net loans and leases to deposits | 80.3803% | 2,913 |
| Net loans and leases to core deposits | 99.3919% | 1,768 |
| Total domestic deposits to total assets | 89.5871% | 626 |
| Equity capital to assets | 9.0548% | 4,534 |
| Core capital (leverage) ratio | 9.1429% | 4,519 |
| Tier 1 risk-based capital ratio | 12.4537% | 4,168 |
| Total risk-based capital ratio | 13.7047% | 4,038 |
| Memoranda: | ||
| Average total assets | $68,055,000 | 4,617 |
| Average earning assets | $62,734,000 | 4,613 |
| Average equity | $6,108,000 | 4,879 |
| Average total loans | $51,440,200 | 4,287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 423 |
| Cost of funding earning assets | 0.6834% | 1,955 |
| Net interest margin | 4.7450% | 427 |
| Noninterest income to average assets | 0.5734% | 2,460 |
| Noninterest expense to average assets | 3.3593% | 1,179 |
| Loan and lease loss provision to assets | 0.0893% | 2,191 |
| Net operating income to assets | 1.5060% | 1,177 |
| Return on assets (ROA) | 1.5060% | 1,172 |
| Pretax return on assets | 1.5060% | 1,879 |
| Return on Equity (ROE) | 16.8199% | 568 |
| Retained earnings to average equity (ytd only) | 2.6815% | 4,344 |
| Net charge-offs to loans | 0.0208% | 2,716 |
| Credit loss provision to net charge-offs | 562.5000% | 632 |
| Earnings coverage of net charge-offs (x) | 100.4658% | 748 |
| Efficiency ratio | 67.8014% | 2,574 |
| Assets per employee ($millions) | 4.6595% | 2,895 |
| Cash dividends to net income (ytd only)* | 84.0588% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,309 |
| Loan loss allowance to noncurrent loans | 93.7326% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 1,414 |
| Noncurrent loans to loans | 1.3441% | 1,238 |
| Net loans and leases to total assets | 75.4664% | 1,737 |
| Net loans and leases to deposits | 84.4163% | 2,547 |
| Net loans and leases to core deposits | 105.1955% | 1,361 |
| Total domestic deposits to total assets | 89.3979% | 705 |
| Equity capital to assets | 8.7292% | 4,776 |
| Core capital (leverage) ratio | 9.1075% | 4,608 |
| Tier 1 risk-based capital ratio | 11.7110% | 4,663 |
| Total risk-based capital ratio | 12.9621% | 4,549 |
| Memoranda: | ||
| Average total assets | $67,194,250 | 4,679 |
| Average earning assets | $62,043,000 | 4,676 |
| Average equity | $6,016,500 | 4,944 |
| Average total loans | $51,250,500 | 4,336 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 424 |
| Cost of funding earning assets | 0.6640% | 1,845 |
| Net interest margin | 4.6905% | 450 |
| Noninterest income to average assets | 0.4917% | 2,904 |
| Noninterest expense to average assets | 3.3638% | 1,195 |
| Loan and lease loss provision to assets | 0.0453% | 2,997 |
| Net operating income to assets | 1.4089% | 1,402 |
| Return on assets (ROA) | 1.4089% | 1,407 |
| Pretax return on assets | 1.4089% | 2,112 |
| Return on Equity (ROE) | 15.5970% | 741 |
| Retained earnings to average equity (ytd only) | -2.1709% | 5,164 |
| Net charge-offs to loans | 0.0356% | 2,139 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 53.5556% | 1,075 |
| Efficiency ratio | 69.8184% | 2,347 |
| Assets per employee ($millions) | 4.4650% | 3,176 |
| Cash dividends to net income (ytd only)* | 113.9186% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,461 |
| Loan loss allowance to noncurrent loans | 91.4530% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0482% | 1,425 |
| Noncurrent loans to loans | 1.3610% | 1,245 |
| Net loans and leases to total assets | 76.0552% | 1,630 |
| Net loans and leases to deposits | 84.6906% | 2,456 |
| Net loans and leases to core deposits | 101.8393% | 1,574 |
| Total domestic deposits to total assets | 89.8037% | 634 |
| Equity capital to assets | 8.8705% | 4,673 |
| Core capital (leverage) ratio | 9.1076% | 4,576 |
| Tier 1 risk-based capital ratio | 11.7443% | 4,659 |
| Total risk-based capital ratio | 12.9931% | 4,536 |
| Memoranda: | ||
| Average total assets | $66,295,000 | 4,752 |
| Average earning assets | $61,145,330 | 4,745 |
| Average equity | $5,988,330 | 5,005 |
| Average total loans | $50,528,000 | 4,393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 481 |
| Cost of funding earning assets | 0.6117% | 1,969 |
| Net interest margin | 4.5974% | 502 |
| Noninterest income to average assets | 0.5883% | 2,323 |
| Noninterest expense to average assets | 3.3295% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4980% | 1,087 |
| Return on assets (ROA) | 1.4980% | 1,088 |
| Pretax return on assets | 1.4980% | 1,684 |
| Return on Equity (ROE) | 16.4338% | 561 |
| Retained earnings to average equity (ytd only) | -4.1916% | 5,154 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9698% | 2,673 |
| Assets per employee ($millions) | 4.1132% | 3,782 |
| Cash dividends to net income (ytd only)* | 125.5061% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,363 |
| Loan loss allowance to noncurrent loans | 112.7660% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 1,843 |
| Noncurrent loans to loans | 1.1308% | 1,619 |
| Net loans and leases to total assets | 74.8218% | 1,738 |
| Net loans and leases to deposits | 83.3364% | 2,468 |
| Net loans and leases to core deposits | 100.5534% | 1,644 |
| Total domestic deposits to total assets | 89.7829% | 749 |
| Equity capital to assets | 9.0380% | 4,518 |
| Core capital (leverage) ratio | 9.3965% | 4,195 |
| Tier 1 risk-based capital ratio | 11.5157% | 4,854 |
| Total risk-based capital ratio | 12.7283% | 4,771 |
| Memoranda: | ||
| Average total assets | $65,955,000 | 4,817 |
| Average earning assets | $60,817,500 | 4,808 |
| Average equity | $6,012,000 | 5,055 |
| Average total loans | $50,002,000 | 4,444 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 504 |
| Cost of funding earning assets | 0.5854% | 1,710 |
| Net interest margin | 4.5407% | 563 |
| Noninterest income to average assets | 0.6551% | 2,166 |
| Noninterest expense to average assets | 3.0879% | 1,896 |
| Loan and lease loss provision to assets | 0.0914% | 2,371 |
| Net operating income to assets | 1.6468% | 591 |
| Return on assets (ROA) | 1.6513% | 600 |
| Pretax return on assets | 1.6513% | 1,151 |
| Return on Equity (ROE) | 18.5147% | 272 |
| Retained earnings to average equity (ytd only) | 5.1582% | 2,026 |
| Net charge-offs to loans | 0.0207% | 3,414 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 114.1000% | 588 |
| Efficiency ratio | 63.9836% | 3,610 |
| Assets per employee ($millions) | 4.1312% | 3,769 |
| Cash dividends to net income (ytd only)* | 72.1402% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,382 |
| Loan loss allowance to noncurrent loans | 56.3330% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 748 |
| Noncurrent loans to loans | 2.2523% | 633 |
| Net loans and leases to total assets | 74.8741% | 1,777 |
| Net loans and leases to deposits | 83.4474% | 2,559 |
| Net loans and leases to core deposits | 96.6980% | 1,968 |
| Total domestic deposits to total assets | 89.7260% | 666 |
| Equity capital to assets | 9.1923% | 4,536 |
| Core capital (leverage) ratio | 9.2493% | 4,347 |
| Tier 1 risk-based capital ratio | 11.5379% | 4,824 |
| Total risk-based capital ratio | 12.7401% | 4,750 |
| Memoranda: | ||
| Average total assets | $65,643,800 | 4,857 |
| Average earning assets | $60,299,400 | 4,848 |
| Average equity | $5,854,800 | 5,122 |
| Average total loans | $48,262,000 | 4,508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 719 |
| Cost of funding earning assets | 0.5859% | 1,635 |
| Net interest margin | 4.3389% | 838 |
| Noninterest income to average assets | 0.6043% | 2,454 |
| Noninterest expense to average assets | 2.9929% | 2,129 |
| Loan and lease loss provision to assets | 0.0916% | 2,244 |
| Net operating income to assets | 1.4975% | 900 |
| Return on assets (ROA) | 1.5036% | 914 |
| Pretax return on assets | 1.5036% | 1,757 |
| Return on Equity (ROE) | 16.9896% | 422 |
| Retained earnings to average equity (ytd only) | 3.0116% | 4,115 |
| Net charge-offs to loans | 0.0028% | 3,652 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 782.9398% | 137 |
| Efficiency ratio | 65.3197% | 3,326 |
| Assets per employee ($millions) | 4.1920% | 3,667 |
| Cash dividends to net income (ytd only)* | 82.2736% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,612 |
| Loan loss allowance to noncurrent loans | 76.0870% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 1,318 |
| Noncurrent loans to loans | 1.6502% | 1,112 |
| Net loans and leases to total assets | 73.8699% | 1,937 |
| Net loans and leases to deposits | 83.3154% | 2,625 |
| Net loans and leases to core deposits | 96.4850% | 2,025 |
| Total domestic deposits to total assets | 88.6629% | 1,032 |
| Equity capital to assets | 8.8726% | 5,015 |
| Core capital (leverage) ratio | 9.3342% | 4,366 |
| Tier 1 risk-based capital ratio | 11.1714% | 5,142 |
| Total risk-based capital ratio | 12.3576% | 5,072 |
| Memoranda: | ||
| Average total assets | $65,530,000 | 4,910 |
| Average earning assets | $60,075,250 | 4,910 |
| Average equity | $5,799,500 | 5,191 |
| Average total loans | $47,795,750 | 4,565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 975 |
| Cost of funding earning assets | 0.5796% | 1,577 |
| Net interest margin | 4.1642% | 1,159 |
| Noninterest income to average assets | 0.7014% | 1,983 |
| Noninterest expense to average assets | 2.9685% | 2,200 |
| Loan and lease loss provision to assets | 0.0461% | 3,065 |
| Net operating income to assets | 1.5104% | 844 |
| Return on assets (ROA) | 1.5196% | 854 |
| Pretax return on assets | 1.5196% | 1,568 |
| Return on Equity (ROE) | 17.1856% | 399 |
| Retained earnings to average equity (ytd only) | -0.5566% | 5,164 |
| Net charge-offs to loans | -0.0043% | 4,303 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6016% | 3,412 |
| Assets per employee ($millions) | 4.0913% | 3,804 |
| Cash dividends to net income (ytd only)* | 103.2389% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,886 |
| Loan loss allowance to noncurrent loans | 47.2899% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9447% | 666 |
| Noncurrent loans to loans | 2.5829% | 558 |
| Net loans and leases to total assets | 74.3706% | 1,803 |
| Net loans and leases to deposits | 81.8092% | 2,716 |
| Net loans and leases to core deposits | 98.0642% | 1,802 |
| Total domestic deposits to total assets | 90.9074% | 243 |
| Equity capital to assets | 8.8833% | 5,007 |
| Core capital (leverage) ratio | 9.0876% | 4,627 |
| Tier 1 risk-based capital ratio | 11.1574% | 5,172 |
| Total risk-based capital ratio | 12.3183% | 5,114 |
| Memoranda: | ||
| Average total assets | $65,016,000 | 4,949 |
| Average earning assets | $59,699,330 | 4,958 |
| Average equity | $5,749,000 | 5,229 |
| Average total loans | $47,002,330 | 4,608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 1,167 |
| Cost of funding earning assets | 0.5735% | 1,553 |
| Net interest margin | 4.0147% | 1,437 |
| Noninterest income to average assets | 0.4815% | 3,104 |
| Noninterest expense to average assets | 3.1793% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9754% | 2,414 |
| Return on assets (ROA) | 0.9754% | 2,467 |
| Pretax return on assets | 0.9754% | 3,481 |
| Return on Equity (ROE) | 11.0838% | 1,531 |
| Retained earnings to average equity (ytd only) | -11.3644% | 5,610 |
| Net charge-offs to loans | 0.0262% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 870 |
| Efficiency ratio | 76.5230% | 1,826 |
| Assets per employee ($millions) | 4.9011% | 2,575 |
| Cash dividends to net income (ytd only)* | 202.5316% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,573 |
| Loan loss allowance to noncurrent loans | 89.0076% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 1,766 |
| Noncurrent loans to loans | 1.4522% | 1,386 |
| Net loans and leases to total assets | 69.8748% | 2,408 |
| Net loans and leases to deposits | 76.7864% | 3,102 |
| Net loans and leases to core deposits | 92.5110% | 2,120 |
| Total domestic deposits to total assets | 90.9988% | 302 |
| Equity capital to assets | 8.8536% | 4,952 |
| Core capital (leverage) ratio | 8.9548% | 4,790 |
| Tier 1 risk-based capital ratio | 11.8084% | 4,842 |
| Total risk-based capital ratio | 13.0293% | 4,772 |
| Memoranda: | ||
| Average total assets | $64,794,000 | 5,009 |
| Average earning assets | $59,282,000 | 5,021 |
| Average equity | $5,702,000 | 5,283 |
| Average total loans | $45,861,000 | 4,680 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 523 |
| Cost of funding earning assets | 0.5905% | 1,403 |
| Net interest margin | 4.4842% | 647 |
| Noninterest income to average assets | 0.6218% | 2,545 |
| Noninterest expense to average assets | 2.9511% | 2,496 |
| Loan and lease loss provision to assets | 0.1894% | 1,240 |
| Net operating income to assets | 1.6160% | 652 |
| Return on assets (ROA) | 1.6160% | 679 |
| Pretax return on assets | 1.6160% | 1,232 |
| Return on Equity (ROE) | 18.5642% | 288 |
| Retained earnings to average equity (ytd only) | 7.2516% | 1,133 |
| Net charge-offs to loans | 0.1673% | 1,618 |
| Credit loss provision to net charge-offs | 151.8987% | 1,801 |
| Earnings coverage of net charge-offs (x) | 14.4810% | 2,283 |
| Efficiency ratio | 62.0438% | 4,237 |
| Assets per employee ($millions) | 5.0672% | 2,320 |
| Cash dividends to net income (ytd only)* | 60.9375% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,777 |
| Loan loss allowance to noncurrent loans | 153.4031% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 2,821 |
| Noncurrent loans to loans | 0.8194% | 2,472 |
| Net loans and leases to total assets | 69.8804% | 2,497 |
| Net loans and leases to deposits | 76.7242% | 3,236 |
| Net loans and leases to core deposits | 103.4264% | 1,326 |
| Total domestic deposits to total assets | 91.0799% | 254 |
| Equity capital to assets | 8.7485% | 5,068 |
| Core capital (leverage) ratio | 8.8207% | 4,945 |
| Tier 1 risk-based capital ratio | 11.9142% | 4,786 |
| Total risk-based capital ratio | 13.1176% | 4,707 |
| Memoranda: | ||
| Average total assets | $63,367,000 | 5,063 |
| Average earning assets | $58,426,800 | 5,062 |
| Average equity | $5,516,000 | 5,364 |
| Average total loans | $47,230,800 | 4,660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 497 |
| Cost of funding earning assets | 0.5888% | 1,423 |
| Net interest margin | 4.5148% | 608 |
| Noninterest income to average assets | 0.5950% | 2,685 |
| Noninterest expense to average assets | 3.0453% | 2,183 |
| Loan and lease loss provision to assets | 0.1275% | 1,836 |
| Net operating income to assets | 1.5938% | 741 |
| Return on assets (ROA) | 1.5938% | 781 |
| Pretax return on assets | 1.5938% | 1,396 |
| Return on Equity (ROE) | 18.3340% | 333 |
| Retained earnings to average equity (ytd only) | 3.0802% | 4,068 |
| Net charge-offs to loans | 0.1744% | 1,322 |
| Credit loss provision to net charge-offs | 96.7742% | 2,424 |
| Earnings coverage of net charge-offs (x) | 13.0652% | 2,336 |
| Efficiency ratio | 63.8877% | 3,951 |
| Assets per employee ($millions) | 4.6473% | 2,846 |
| Cash dividends to net income (ytd only)* | 83.1997% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,591 |
| Loan loss allowance to noncurrent loans | 861.9048% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 5,052 |
| Noncurrent loans to loans | 0.1326% | 4,812 |
| Net loans and leases to total assets | 72.1727% | 2,159 |
| Net loans and leases to deposits | 79.2416% | 3,056 |
| Net loans and leases to core deposits | 107.2984% | 1,096 |
| Total domestic deposits to total assets | 91.0793% | 174 |
| Equity capital to assets | 8.6210% | 5,455 |
| Core capital (leverage) ratio | 8.6934% | 5,154 |
| Tier 1 risk-based capital ratio | 11.3186% | 5,194 |
| Total risk-based capital ratio | 12.4301% | 5,176 |
| Memoranda: | ||
| Average total assets | $62,740,500 | 5,124 |
| Average earning assets | $57,971,000 | 5,118 |
| Average equity | $5,454,250 | 5,436 |
| Average total loans | $47,388,000 | 4,688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 702 |
| Cost of funding earning assets | 0.5886% | 1,413 |
| Net interest margin | 4.3224% | 882 |
| Noninterest income to average assets | 0.6036% | 2,602 |
| Noninterest expense to average assets | 3.1146% | 2,015 |
| Loan and lease loss provision to assets | 0.1291% | 1,772 |
| Net operating income to assets | 1.3653% | 1,127 |
| Return on assets (ROA) | 1.3653% | 1,199 |
| Pretax return on assets | 1.3653% | 2,146 |
| Return on Equity (ROE) | 15.6589% | 582 |
| Retained earnings to average equity (ytd only) | -3.4057% | 5,666 |
| Net charge-offs to loans | 0.0084% | 3,409 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 231.5000% | 284 |
| Efficiency ratio | 67.5770% | 3,433 |
| Assets per employee ($millions) | 4.8859% | 2,433 |
| Cash dividends to net income (ytd only)* | 121.7494% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,424 |
| Loan loss allowance to noncurrent loans | 94.9511% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 2,215 |
| Noncurrent loans to loans | 1.2528% | 1,832 |
| Net loans and leases to total assets | 76.2457% | 1,455 |
| Net loans and leases to deposits | 83.5228% | 2,523 |
| Net loans and leases to core deposits | 113.9694% | 725 |
| Total domestic deposits to total assets | 91.2874% | 139 |
| Equity capital to assets | 8.4843% | 5,605 |
| Core capital (leverage) ratio | 8.4079% | 5,439 |
| Tier 1 risk-based capital ratio | 10.6105% | 5,622 |
| Total risk-based capital ratio | 11.7754% | 5,574 |
| Memoranda: | ||
| Average total assets | $61,966,670 | 5,204 |
| Average earning assets | $57,422,330 | 5,187 |
| Average equity | $5,402,670 | 5,496 |
| Average total loans | $47,350,670 | 4,726 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 724 |
| Cost of funding earning assets | 0.5946% | 1,368 |
| Net interest margin | 4.2827% | 956 |
| Noninterest income to average assets | 0.6014% | 2,519 |
| Noninterest expense to average assets | 2.8435% | 2,910 |
| Loan and lease loss provision to assets | 0.1307% | 1,615 |
| Net operating income to assets | 1.5819% | 727 |
| Return on assets (ROA) | 1.5819% | 765 |
| Pretax return on assets | 1.5819% | 1,343 |
| Return on Equity (ROE) | 17.8944% | 361 |
| Retained earnings to average equity (ytd only) | -4.1409% | 5,554 |
| Net charge-offs to loans | -0.0172% | 4,782 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4103% | 4,387 |
| Assets per employee ($millions) | 4.3805% | 3,274 |
| Cash dividends to net income (ytd only)* | 123.1405% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,302 |
| Loan loss allowance to noncurrent loans | 94.1860% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 2,254 |
| Noncurrent loans to loans | 1.3071% | 1,838 |
| Net loans and leases to total assets | 74.1745% | 1,699 |
| Net loans and leases to deposits | 81.4821% | 2,605 |
| Net loans and leases to core deposits | 113.4644% | 694 |
| Total domestic deposits to total assets | 91.0317% | 265 |
| Equity capital to assets | 8.7971% | 5,343 |
| Core capital (leverage) ratio | 8.8057% | 5,071 |
| Tier 1 risk-based capital ratio | 11.2516% | 5,369 |
| Total risk-based capital ratio | 12.4448% | 5,305 |
| Memoranda: | ||
| Average total assets | $61,191,500 | 5,264 |
| Average earning assets | $56,506,500 | 5,252 |
| Average equity | $5,409,500 | 5,526 |
| Average total loans | $46,520,000 | 4,785 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 666 |
| Cost of funding earning assets | 0.5765% | 1,532 |
| Net interest margin | 4.3964% | 799 |
| Noninterest income to average assets | 0.6370% | 2,527 |
| Noninterest expense to average assets | 3.0165% | 2,489 |
| Loan and lease loss provision to assets | 0.0843% | 2,609 |
| Net operating income to assets | 1.6616% | 618 |
| Return on assets (ROA) | 1.6717% | 625 |
| Pretax return on assets | 1.6717% | 1,060 |
| Return on Equity (ROE) | 18.9966% | 310 |
| Retained earnings to average equity (ytd only) | 6.0705% | 1,756 |
| Net charge-offs to loans | 0.0221% | 3,824 |
| Credit loss provision to net charge-offs | 500.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 103.6000% | 560 |
| Efficiency ratio | 63.3404% | 4,390 |
| Assets per employee ($millions) | 4.0704% | 3,817 |
| Cash dividends to net income (ytd only)* | 68.0444% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,701 |
| Loan loss allowance to noncurrent loans | 135.5721% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 3,069 |
| Noncurrent loans to loans | 0.8556% | 2,642 |
| Net loans and leases to total assets | 76.0597% | 1,407 |
| Net loans and leases to deposits | 83.6784% | 2,398 |
| Net loans and leases to core deposits | 116.7719% | 582 |
| Total domestic deposits to total assets | 90.8952% | 308 |
| Equity capital to assets | 8.8836% | 5,239 |
| Core capital (leverage) ratio | 8.9108% | 4,990 |
| Tier 1 risk-based capital ratio | 11.2514% | 5,398 |
| Total risk-based capital ratio | 12.3865% | 5,351 |
| Memoranda: | ||
| Average total assets | $59,339,600 | 5,335 |
| Average earning assets | $55,681,400 | 5,301 |
| Average equity | $5,222,000 | 5,599 |
| Average total loans | $45,235,200 | 4,823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 752 |
| Cost of funding earning assets | 0.5396% | 1,888 |
| Net interest margin | 4.3701% | 845 |
| Noninterest income to average assets | 0.6360% | 2,552 |
| Noninterest expense to average assets | 2.9219% | 2,775 |
| Loan and lease loss provision to assets | 0.0860% | 2,442 |
| Net operating income to assets | 1.7337% | 586 |
| Return on assets (ROA) | 1.7472% | 593 |
| Pretax return on assets | 1.7472% | 1,000 |
| Return on Equity (ROE) | 19.9035% | 275 |
| Retained earnings to average equity (ytd only) | 5.0274% | 2,898 |
| Net charge-offs to loans | -0.0060% | 4,856 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6229% | 4,623 |
| Assets per employee ($millions) | 4.0369% | 3,823 |
| Cash dividends to net income (ytd only)* | 74.7404% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,767 |
| Loan loss allowance to noncurrent loans | 47.4326% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 1,100 |
| Noncurrent loans to loans | 2.4852% | 823 |
| Net loans and leases to total assets | 75.4500% | 1,470 |
| Net loans and leases to deposits | 87.5031% | 1,971 |
| Net loans and leases to core deposits | 112.3632% | 742 |
| Total domestic deposits to total assets | 86.2255% | 2,426 |
| Equity capital to assets | 8.8070% | 5,482 |
| Core capital (leverage) ratio | 8.8609% | 5,168 |
| Tier 1 risk-based capital ratio | 11.5059% | 5,373 |
| Total risk-based capital ratio | 12.6934% | 5,324 |
| Memoranda: | ||
| Average total assets | $58,910,500 | 5,410 |
| Average earning assets | $55,344,000 | 5,378 |
| Average equity | $5,171,500 | 5,681 |
| Average total loans | $44,798,000 | 4,889 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 808 |
| Cost of funding earning assets | 0.5175% | 2,091 |
| Net interest margin | 4.3298% | 865 |
| Noninterest income to average assets | 0.6374% | 2,541 |
| Noninterest expense to average assets | 2.9437% | 2,736 |
| Loan and lease loss provision to assets | 0.0857% | 2,403 |
| Net operating income to assets | 1.6792% | 647 |
| Return on assets (ROA) | 1.6894% | 665 |
| Pretax return on assets | 1.6894% | 1,101 |
| Return on Equity (ROE) | 19.2666% | 305 |
| Retained earnings to average equity (ytd only) | 0.5471% | 5,333 |
| Net charge-offs to loans | -0.0090% | 4,895 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5182% | 4,591 |
| Assets per employee ($millions) | 4.2642% | 3,368 |
| Cash dividends to net income (ytd only)* | 97.1602% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 3,907 |
| Loan loss allowance to noncurrent loans | 81.9723% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 2,339 |
| Noncurrent loans to loans | 1.4389% | 1,854 |
| Net loans and leases to total assets | 74.6612% | 1,557 |
| Net loans and leases to deposits | 84.2587% | 2,285 |
| Net loans and leases to core deposits | 102.7218% | 1,277 |
| Total domestic deposits to total assets | 88.6095% | 1,353 |
| Equity capital to assets | 8.5713% | 5,620 |
| Core capital (leverage) ratio | 8.8404% | 5,173 |
| Tier 1 risk-based capital ratio | 11.1541% | 5,640 |
| Total risk-based capital ratio | 12.3177% | 5,600 |
| Memoranda: | ||
| Average total assets | $58,362,670 | 5,478 |
| Average earning assets | $54,875,330 | 5,443 |
| Average equity | $5,117,670 | 5,748 |
| Average total loans | $44,319,670 | 4,937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 947 |
| Cost of funding earning assets | 0.5171% | 2,136 |
| Net interest margin | 4.2326% | 1,006 |
| Noninterest income to average assets | 0.7002% | 2,161 |
| Noninterest expense to average assets | 2.9327% | 2,800 |
| Loan and lease loss provision to assets | 0.0901% | 2,192 |
| Net operating income to assets | 1.6501% | 658 |
| Return on assets (ROA) | 1.6709% | 662 |
| Pretax return on assets | 1.6709% | 1,112 |
| Return on Equity (ROE) | 18.8355% | 330 |
| Retained earnings to average equity (ytd only) | -3.2044% | 5,808 |
| Net charge-offs to loans | -0.0091% | 4,680 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7596% | 4,660 |
| Assets per employee ($millions) | 4.0905% | 3,775 |
| Cash dividends to net income (ytd only)* | 117.0124% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 4,012 |
| Loan loss allowance to noncurrent loans | 126.2774% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 3,344 |
| Noncurrent loans to loans | 0.9466% | 2,883 |
| Net loans and leases to total assets | 74.9123% | 1,369 |
| Net loans and leases to deposits | 84.4272% | 2,014 |
| Net loans and leases to core deposits | 98.8753% | 1,403 |
| Total domestic deposits to total assets | 88.7300% | 1,438 |
| Equity capital to assets | 8.9249% | 5,371 |
| Core capital (leverage) ratio | 8.8850% | 5,091 |
| Tier 1 risk-based capital ratio | 11.4766% | 5,569 |
| Total risk-based capital ratio | 12.6572% | 5,512 |
| Memoranda: | ||
| Average total assets | $57,694,500 | 5,548 |
| Average earning assets | $54,151,000 | 5,510 |
| Average equity | $5,118,000 | 5,807 |
| Average total loans | $43,927,500 | 4,986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 582 |
| Cost of funding earning assets | 0.5557% | 2,167 |
| Net interest margin | 4.5853% | 632 |
| Noninterest income to average assets | 0.6651% | 2,479 |
| Noninterest expense to average assets | 2.9776% | 2,911 |
| Loan and lease loss provision to assets | 0.1783% | 1,445 |
| Net operating income to assets | 1.7759% | 501 |
| Return on assets (ROA) | 1.7777% | 510 |
| Pretax return on assets | 1.7777% | 835 |
| Return on Equity (ROE) | 20.2428% | 240 |
| Retained earnings to average equity (ytd only) | 1.2385% | 5,224 |
| Net charge-offs to loans | 0.1547% | 2,486 |
| Credit loss provision to net charge-offs | 153.8462% | 1,577 |
| Earnings coverage of net charge-offs (x) | 16.8615% | 1,978 |
| Efficiency ratio | 60.3760% | 5,167 |
| Assets per employee ($millions) | 3.8748% | 4,214 |
| Cash dividends to net income (ytd only)* | 93.8816% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 4,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.5841% | 1,333 |
| Net loans and leases to deposits | 84.1461% | 2,196 |
| Net loans and leases to core deposits | 100.5954% | 1,354 |
| Total domestic deposits to total assets | 89.8249% | 815 |
| Equity capital to assets | 8.8177% | 5,470 |
| Core capital (leverage) ratio | 8.6885% | 5,357 |
| Tier 1 risk-based capital ratio | 11.3702% | 5,731 |
| Total risk-based capital ratio | 12.4992% | 5,721 |
| Memoranda: | ||
| Average total assets | $56,085,000 | 5,649 |
| Average earning assets | $52,189,000 | 5,616 |
| Average equity | $4,925,200 | 5,875 |
| Average total loans | $42,018,200 | 5,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 604 |
| Cost of funding earning assets | 0.5567% | 2,227 |
| Net interest margin | 4.5727% | 653 |
| Noninterest income to average assets | 0.5998% | 2,873 |
| Noninterest expense to average assets | 2.9173% | 3,061 |
| Loan and lease loss provision to assets | 0.0600% | 3,160 |
| Net operating income to assets | 1.8593% | 454 |
| Return on assets (ROA) | 1.8593% | 469 |
| Pretax return on assets | 1.8593% | 779 |
| Return on Equity (ROE) | 21.1950% | 223 |
| Retained earnings to average equity (ytd only) | -1.4494% | 6,025 |
| Net charge-offs to loans | 0.0418% | 3,660 |
| Credit loss provision to net charge-offs | 192.3077% | 1,309 |
| Earnings coverage of net charge-offs (x) | 61.5488% | 848 |
| Efficiency ratio | 60.3175% | 5,135 |
| Assets per employee ($millions) | 3.8633% | 4,162 |
| Cash dividends to net income (ytd only)* | 106.8382% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 4,770 |
| Loan loss allowance to noncurrent loans | 434.2342% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 5,450 |
| Noncurrent loans to loans | 0.2523% | 5,149 |
| Net loans and leases to total assets | 75.0781% | 1,353 |
| Net loans and leases to deposits | 84.6143% | 2,072 |
| Net loans and leases to core deposits | 100.2904% | 1,343 |
| Total domestic deposits to total assets | 88.7297% | 1,385 |
| Equity capital to assets | 8.6058% | 5,718 |
| Core capital (leverage) ratio | 8.7709% | 5,371 |
| Tier 1 risk-based capital ratio | 11.2767% | 5,882 |
| Total risk-based capital ratio | 12.3701% | 5,897 |
| Memoranda: | ||
| Average total assets | $55,575,750 | 5,721 |
| Average earning assets | $51,493,250 | 5,694 |
| Average equity | $4,875,250 | 5,947 |
| Average total loans | $41,413,750 | 5,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 686 |
| Cost of funding earning assets | 0.5670% | 2,192 |
| Net interest margin | 4.4808% | 731 |
| Noninterest income to average assets | 0.5732% | 2,976 |
| Noninterest expense to average assets | 2.8512% | 3,333 |
| Loan and lease loss provision to assets | 0.0913% | 2,500 |
| Net operating income to assets | 1.7560% | 526 |
| Return on assets (ROA) | 1.7560% | 551 |
| Pretax return on assets | 1.7560% | 920 |
| Return on Equity (ROE) | 19.8842% | 297 |
| Retained earnings to average equity (ytd only) | -9.8801% | 6,417 |
| Net charge-offs to loans | 0.0592% | 3,127 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 1,019 |
| Efficiency ratio | 60.6838% | 5,197 |
| Assets per employee ($millions) | 3.8091% | 4,232 |
| Cash dividends to net income (ytd only)* | 149.6881% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 4,632 |
| Loan loss allowance to noncurrent loans | 8,050.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 6,107 |
| Noncurrent loans to loans | 0.0144% | 6,039 |
| Net loans and leases to total assets | 72.1682% | 1,714 |
| Net loans and leases to deposits | 78.9712% | 2,663 |
| Net loans and leases to core deposits | 88.7020% | 2,240 |
| Total domestic deposits to total assets | 91.3855% | 286 |
| Equity capital to assets | 8.4133% | 5,873 |
| Core capital (leverage) ratio | 8.6920% | 5,407 |
| Tier 1 risk-based capital ratio | 11.2649% | 5,928 |
| Total risk-based capital ratio | 12.4017% | 5,922 |
| Memoranda: | ||
| Average total assets | $54,784,670 | 5,793 |
| Average earning assets | $50,437,670 | 5,773 |
| Average equity | $4,838,000 | 5,994 |
| Average total loans | $40,555,330 | 5,251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 746 |
| Cost of funding earning assets | 0.5670% | 2,271 |
| Net interest margin | 4.4141% | 781 |
| Noninterest income to average assets | 0.5521% | 3,034 |
| Noninterest expense to average assets | 2.8428% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7758% | 502 |
| Return on assets (ROA) | 1.7758% | 517 |
| Pretax return on assets | 1.7758% | 832 |
| Return on Equity (ROE) | 19.6147% | 320 |
| Retained earnings to average equity (ytd only) | -22.0047% | 6,548 |
| Net charge-offs to loans | 0.0901% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.4444% | 1,128 |
| Efficiency ratio | 61.5509% | 5,193 |
| Assets per employee ($millions) | 3.5886% | 4,739 |
| Cash dividends to net income (ytd only)* | 212.1849% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 4,834 |
| Loan loss allowance to noncurrent loans | 1,773.0769% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 6,037 |
| Noncurrent loans to loans | 0.0653% | 5,951 |
| Net loans and leases to total assets | 73.1632% | 1,403 |
| Net loans and leases to deposits | 80.3440% | 2,247 |
| Net loans and leases to core deposits | 90.4213% | 1,878 |
| Total domestic deposits to total assets | 91.0624% | 544 |
| Equity capital to assets | 8.7815% | 5,358 |
| Core capital (leverage) ratio | 9.0013% | 5,009 |
| Tier 1 risk-based capital ratio | 11.8012% | 5,762 |
| Total risk-based capital ratio | 12.9446% | 5,759 |
| Memoranda: | ||
| Average total assets | $53,609,000 | 5,872 |
| Average earning assets | $49,387,000 | 5,859 |
| Average equity | $4,853,500 | 6,032 |
| Average total loans | $39,974,500 | 5,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 598 |
| Cost of funding earning assets | 0.6455% | 2,247 |
| Net interest margin | 4.5832% | 632 |
| Noninterest income to average assets | 0.6454% | 2,833 |
| Noninterest expense to average assets | 3.1490% | 2,594 |
| Loan and lease loss provision to assets | 0.0975% | 3,175 |
| Net operating income to assets | 1.5521% | 752 |
| Return on assets (ROA) | 1.5521% | 778 |
| Pretax return on assets | 1.5521% | 1,294 |
| Return on Equity (ROE) | 16.8823% | 515 |
| Retained earnings to average equity (ytd only) | 9.2895% | 714 |
| Net charge-offs to loans | 0.0132% | 5,191 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 169.2000% | 279 |
| Efficiency ratio | 65.6237% | 4,630 |
| Assets per employee ($millions) | 3.5593% | 4,785 |
| Cash dividends to net income (ytd only)* | 44.9749% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 6,326 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 74.2381% | 1,308 |
| Net loans and leases to deposits | 82.0515% | 2,177 |
| Net loans and leases to core deposits | 92.4992% | 1,734 |
| Total domestic deposits to total assets | 90.4774% | 827 |
| Equity capital to assets | 9.3278% | 4,657 |
| Core capital (leverage) ratio | 9.5279% | 4,221 |
| Tier 1 risk-based capital ratio | 12.4243% | 5,340 |
| Total risk-based capital ratio | 13.5864% | 5,329 |
| Memoranda: | ||
| Average total assets | $51,286,800 | 5,985 |
| Average earning assets | $46,474,200 | 5,971 |
| Average equity | $4,715,000 | 6,140 |
| Average total loans | $37,828,600 | 5,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 612 |
| Cost of funding earning assets | 0.6604% | 2,262 |
| Net interest margin | 4.5648% | 658 |
| Noninterest income to average assets | 0.5726% | 3,312 |
| Noninterest expense to average assets | 3.1467% | 2,513 |
| Loan and lease loss provision to assets | 0.0525% | 3,978 |
| Net operating income to assets | 1.4945% | 910 |
| Return on assets (ROA) | 1.5050% | 932 |
| Pretax return on assets | 1.5050% | 1,591 |
| Return on Equity (ROE) | 16.4341% | 593 |
| Retained earnings to average equity (ytd only) | 6.1664% | 2,301 |
| Net charge-offs to loans | 0.0107% | 4,931 |
| Credit loss provision to net charge-offs | 666.6667% | 433 |
| Earnings coverage of net charge-offs (x) | 196.3275% | 296 |
| Efficiency ratio | 67.0397% | 4,297 |
| Assets per employee ($millions) | 3.4979% | 4,853 |
| Cash dividends to net income (ytd only)* | 62.4781% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,107 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 6,140 |
| Noncurrent loans to loans | 0.1017% | 6,024 |
| Net loans and leases to total assets | 72.2212% | 1,566 |
| Net loans and leases to deposits | 79.7344% | 2,443 |
| Net loans and leases to core deposits | 90.1485% | 1,950 |
| Total domestic deposits to total assets | 90.5771% | 714 |
| Equity capital to assets | 9.1256% | 5,022 |
| Core capital (leverage) ratio | 9.3544% | 4,603 |
| Tier 1 risk-based capital ratio | 12.3283% | 5,554 |
| Total risk-based capital ratio | 13.4631% | 5,566 |
| Memoranda: | ||
| Average total assets | $50,761,250 | 6,067 |
| Average earning assets | $45,827,500 | 6,062 |
| Average equity | $4,648,750 | 6,234 |
| Average total loans | $37,259,500 | 5,505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 692 |
| Cost of funding earning assets | 0.6776% | 2,243 |
| Net interest margin | 4.4751% | 745 |
| Noninterest income to average assets | 0.5539% | 3,476 |
| Noninterest expense to average assets | 3.1758% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4305% | 1,017 |
| Return on assets (ROA) | 1.4305% | 1,106 |
| Pretax return on assets | 1.4305% | 1,834 |
| Return on Equity (ROE) | 15.6008% | 719 |
| Retained earnings to average equity (ytd only) | 0.0435% | 5,834 |
| Net charge-offs to loans | 0.0108% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 277 |
| Efficiency ratio | 68.9446% | 4,019 |
| Assets per employee ($millions) | 3.4840% | 4,887 |
| Cash dividends to net income (ytd only)* | 99.7214% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,383 |
| Loan loss allowance to noncurrent loans | 388.0734% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 5,753 |
| Noncurrent loans to loans | 0.2869% | 5,585 |
| Net loans and leases to total assets | 71.8886% | 1,597 |
| Net loans and leases to deposits | 78.9248% | 2,465 |
| Net loans and leases to core deposits | 87.9507% | 2,115 |
| Total domestic deposits to total assets | 91.0850% | 515 |
| Equity capital to assets | 8.6969% | 5,555 |
| Core capital (leverage) ratio | 9.0177% | 4,952 |
| Tier 1 risk-based capital ratio | 11.8538% | 5,877 |
| Total risk-based capital ratio | 12.9466% | 5,950 |
| Memoranda: | ||
| Average total assets | $50,192,330 | 6,123 |
| Average earning assets | $45,451,330 | 6,121 |
| Average equity | $4,602,330 | 6,299 |
| Average total loans | $36,901,000 | 5,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 695 |
| Cost of funding earning assets | 0.6968% | 2,248 |
| Net interest margin | 4.4402% | 751 |
| Noninterest income to average assets | 0.4313% | 4,244 |
| Noninterest expense to average assets | 3.3606% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1148% | 1,803 |
| Return on assets (ROA) | 1.1148% | 1,911 |
| Pretax return on assets | 1.1148% | 2,897 |
| Return on Equity (ROE) | 11.8333% | 1,465 |
| Retained earnings to average equity (ytd only) | -14.4245% | 6,732 |
| Net charge-offs to loans | 0.0330% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 719 |
| Efficiency ratio | 75.0909% | 3,083 |
| Assets per employee ($millions) | 3.1763% | 5,678 |
| Cash dividends to net income (ytd only)* | 221.8978% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,270 |
| Loan loss allowance to noncurrent loans | 578.0822% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 6,105 |
| Noncurrent loans to loans | 0.2041% | 5,892 |
| Net loans and leases to total assets | 69.5553% | 1,744 |
| Net loans and leases to deposits | 76.5174% | 2,553 |
| Net loans and leases to core deposits | 86.2672% | 2,081 |
| Total domestic deposits to total assets | 90.9012% | 567 |
| Equity capital to assets | 8.9237% | 5,581 |
| Core capital (leverage) ratio | 9.0483% | 4,808 |
| Tier 1 risk-based capital ratio | 12.0291% | 5,900 |
| Total risk-based capital ratio | 13.1778% | 5,928 |
| Memoranda: | ||
| Average total assets | $49,158,500 | 6,203 |
| Average earning assets | $44,773,000 | 6,194 |
| Average equity | $4,631,000 | 6,357 |
| Average total loans | $36,355,500 | 5,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 564 |
| Cost of funding earning assets | 0.8841% | 2,044 |
| Net interest margin | 4.6696% | 691 |
| Noninterest income to average assets | 0.7415% | 2,534 |
| Noninterest expense to average assets | 3.0371% | 3,142 |
| Loan and lease loss provision to assets | 0.1655% | 3,540 |
| Net operating income to assets | 1.7732% | 537 |
| Return on assets (ROA) | 1.7861% | 585 |
| Pretax return on assets | 1.7861% | 943 |
| Return on Equity (ROE) | 18.1283% | 438 |
| Retained earnings to average equity (ytd only) | 4.7775% | 2,868 |
| Net charge-offs to loans | 0.0376% | 5,394 |
| Credit loss provision to net charge-offs | 592.3077% | 417 |
| Earnings coverage of net charge-offs (x) | 69.3846% | 528 |
| Efficiency ratio | 61.0367% | 5,381 |
| Assets per employee ($millions) | 2.7939% | 6,325 |
| Cash dividends to net income (ytd only)* | 73.6462% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 5,344 |
| Loan loss allowance to noncurrent loans | 787.0370% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,257 |
| Noncurrent loans to loans | 0.1462% | 6,113 |
| Net loans and leases to total assets | 76.8806% | 801 |
| Net loans and leases to deposits | 85.5998% | 1,562 |
| Net loans and leases to core deposits | 96.2340% | 1,285 |
| Total domestic deposits to total assets | 89.8141% | 1,056 |
| Equity capital to assets | 9.9522% | 4,232 |
| Core capital (leverage) ratio | 9.6793% | 3,843 |
| Tier 1 risk-based capital ratio | 12.3039% | 5,600 |
| Total risk-based capital ratio | 13.4438% | 5,615 |
| Memoranda: | ||
| Average total assets | $46,525,000 | 6,311 |
| Average earning assets | $42,188,200 | 6,304 |
| Average equity | $4,584,000 | 6,420 |
| Average total loans | $34,605,400 | 5,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 651 |
| Cost of funding earning assets | 0.9237% | 2,024 |
| Net interest margin | 4.5964% | 825 |
| Noninterest income to average assets | 0.6684% | 2,885 |
| Noninterest expense to average assets | 2.9759% | 3,318 |
| Loan and lease loss provision to assets | 0.0720% | 4,765 |
| Net operating income to assets | 1.7631% | 622 |
| Return on assets (ROA) | 1.7775% | 666 |
| Pretax return on assets | 1.7775% | 1,104 |
| Return on Equity (ROE) | 18.0872% | 492 |
| Retained earnings to average equity (ytd only) | 0.1466% | 6,029 |
| Net charge-offs to loans | -0.0039% | 6,253 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8563% | 5,173 |
| Assets per employee ($millions) | 3.7434% | 4,438 |
| Cash dividends to net income (ytd only)* | 99.1892% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,708 |
| Loan loss allowance to noncurrent loans | 489.8734% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 6,215 |
| Noncurrent loans to loans | 0.2253% | 6,047 |
| Net loans and leases to total assets | 71.2477% | 1,688 |
| Net loans and leases to deposits | 78.8717% | 2,547 |
| Net loans and leases to core deposits | 87.7839% | 2,237 |
| Total domestic deposits to total assets | 90.3337% | 661 |
| Equity capital to assets | 9.3313% | 5,431 |
| Core capital (leverage) ratio | 9.4007% | 4,432 |
| Tier 1 risk-based capital ratio | 12.1469% | 5,854 |
| Total risk-based capital ratio | 13.2219% | 5,938 |
| Memoranda: | ||
| Average total assets | $46,282,000 | 6,392 |
| Average earning assets | $41,713,250 | 6,391 |
| Average equity | $4,548,250 | 6,502 |
| Average total loans | $34,021,500 | 5,832 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 650 |
| Cost of funding earning assets | 0.9629% | 1,979 |
| Net interest margin | 4.5835% | 859 |
| Noninterest income to average assets | 0.6419% | 2,994 |
| Noninterest expense to average assets | 2.9810% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8466% | 516 |
| Return on assets (ROA) | 1.8466% | 584 |
| Pretax return on assets | 1.8466% | 944 |
| Return on Equity (ROE) | 18.4588% | 456 |
| Retained earnings to average equity (ytd only) | -1.2306% | 6,242 |
| Net charge-offs to loans | 0.0059% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 100 |
| Efficiency ratio | 61.7486% | 5,289 |
| Assets per employee ($millions) | 3.5330% | 4,911 |
| Cash dividends to net income (ytd only)* | 106.6667% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 5,977 |
| Loan loss allowance to noncurrent loans | 409.0909% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,196 |
| Noncurrent loans to loans | 0.2559% | 6,061 |
| Net loans and leases to total assets | 74.0948% | 1,229 |
| Net loans and leases to deposits | 82.3836% | 2,068 |
| Net loans and leases to core deposits | 91.1089% | 1,862 |
| Total domestic deposits to total assets | 89.9388% | 961 |
| Equity capital to assets | 9.7868% | 4,648 |
| Core capital (leverage) ratio | 9.4433% | 4,223 |
| Tier 1 risk-based capital ratio | 12.4256% | 5,628 |
| Total risk-based capital ratio | 13.4560% | 5,775 |
| Memoranda: | ||
| Average total assets | $45,488,000 | 6,450 |
| Average earning assets | $41,540,670 | 6,426 |
| Average equity | $4,550,670 | 6,530 |
| Average total loans | $33,675,670 | 5,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 511 |
| Cost of funding earning assets | 0.9947% | 2,011 |
| Net interest margin | 4.7128% | 669 |
| Noninterest income to average assets | 0.5920% | 3,288 |
| Noninterest expense to average assets | 2.9337% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9705% | 444 |
| Return on assets (ROA) | 1.9705% | 511 |
| Pretax return on assets | 1.9705% | 778 |
| Return on Equity (ROE) | 19.4824% | 410 |
| Retained earnings to average equity (ytd only) | 9.4354% | 1,431 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8198% | 5,643 |
| Assets per employee ($millions) | 3.5162% | 5,079 |
| Cash dividends to net income (ytd only)* | 51.5695% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,967 |
| Loan loss allowance to noncurrent loans | 357.4257% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,335 |
| Noncurrent loans to loans | 0.3021% | 6,072 |
| Net loans and leases to total assets | 72.3480% | 1,339 |
| Net loans and leases to deposits | 80.7358% | 2,094 |
| Net loans and leases to core deposits | 89.3449% | 1,916 |
| Total domestic deposits to total assets | 89.6108% | 1,293 |
| Equity capital to assets | 10.1267% | 3,949 |
| Core capital (leverage) ratio | 9.8477% | 3,575 |
| Tier 1 risk-based capital ratio | 13.1347% | 5,106 |
| Total risk-based capital ratio | 14.1943% | 5,224 |
| Memoranda: | ||
| Average total assets | $45,267,500 | 6,500 |
| Average earning assets | $41,419,500 | 6,475 |
| Average equity | $4,578,500 | 6,553 |
| Average total loans | $33,318,000 | 5,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 1,375 |
| Cost of funding earning assets | 1.2103% | 1,963 |
| Net interest margin | 4.2048% | 2,039 |
| Noninterest income to average assets | 0.7605% | 2,277 |
| Noninterest expense to average assets | 2.8599% | 4,128 |
| Loan and lease loss provision to assets | 0.0900% | 5,460 |
| Net operating income to assets | 1.5863% | 684 |
| Return on assets (ROA) | 1.6223% | 693 |
| Pretax return on assets | 1.6223% | 1,156 |
| Return on Equity (ROE) | 16.9114% | 482 |
| Retained earnings to average equity (ytd only) | 10.1093% | 538 |
| Net charge-offs to loans | -0.0251% | 6,983 |
| Credit loss provision to net charge-offs | -500.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0456% | 5,289 |
| Assets per employee ($millions) | 3.4480% | 5,139 |
| Cash dividends to net income (ytd only)* | 40.2219% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 5,860 |
| Loan loss allowance to noncurrent loans | 123.2082% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 5,261 |
| Noncurrent loans to loans | 0.8824% | 4,927 |
| Net loans and leases to total assets | 73.2710% | 1,392 |
| Net loans and leases to deposits | 81.7600% | 2,235 |
| Net loans and leases to core deposits | 84.3469% | 2,845 |
| Total domestic deposits to total assets | 89.6172% | 1,193 |
| Equity capital to assets | 10.1017% | 4,032 |
| Core capital (leverage) ratio | 9.6303% | 3,824 |
| Tier 1 risk-based capital ratio | 12.9177% | 5,140 |
| Total risk-based capital ratio | 13.9853% | 5,256 |
| Memoranda: | ||
| Average total assets | $44,441,800 | 6,519 |
| Average earning assets | $39,907,000 | 6,532 |
| Average equity | $4,263,400 | 6,669 |
| Average total loans | $31,820,200 | 6,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 1,629 |
| Cost of funding earning assets | 1.2653% | 1,900 |
| Net interest margin | 4.0996% | 2,480 |
| Noninterest income to average assets | 0.6344% | 2,968 |
| Noninterest expense to average assets | 2.7269% | 4,625 |
| Loan and lease loss provision to assets | 0.0601% | 5,689 |
| Net operating income to assets | 1.5003% | 928 |
| Return on assets (ROA) | 1.5003% | 1,013 |
| Pretax return on assets | 1.5003% | 1,653 |
| Return on Equity (ROE) | 15.8513% | 703 |
| Retained earnings to average equity (ytd only) | 8.8627% | 1,195 |
| Net charge-offs to loans | -0.0339% | 6,983 |
| Credit loss provision to net charge-offs | -250.0000% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6045% | 5,136 |
| Assets per employee ($millions) | 3.4996% | 4,999 |
| Cash dividends to net income (ytd only)* | 44.0886% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,021 |
| Loan loss allowance to noncurrent loans | 103.3333% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 5,252 |
| Noncurrent loans to loans | 1.0247% | 4,846 |
| Net loans and leases to total assets | 70.0363% | 2,076 |
| Net loans and leases to deposits | 77.8666% | 3,023 |
| Net loans and leases to core deposits | 79.5045% | 3,708 |
| Total domestic deposits to total assets | 89.9439% | 897 |
| Equity capital to assets | 9.6868% | 4,797 |
| Core capital (leverage) ratio | 9.5352% | 4,104 |
| Tier 1 risk-based capital ratio | 12.7360% | 5,303 |
| Total risk-based capital ratio | 13.7661% | 5,466 |
| Memoranda: | ||
| Average total assets | $44,346,250 | 6,583 |
| Average earning assets | $39,515,250 | 6,609 |
| Average equity | $4,197,250 | 6,744 |
| Average total loans | $31,474,250 | 6,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 1,490 |
| Cost of funding earning assets | 1.3064% | 1,901 |
| Net interest margin | 4.1182% | 2,345 |
| Noninterest income to average assets | 0.4913% | 3,936 |
| Noninterest expense to average assets | 2.6886% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4740% | 936 |
| Return on assets (ROA) | 1.4740% | 991 |
| Pretax return on assets | 1.4740% | 1,602 |
| Return on Equity (ROE) | 15.7002% | 701 |
| Retained earnings to average equity (ytd only) | 6.9779% | 1,890 |
| Net charge-offs to loans | -0.0064% | 6,620 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5902% | 5,133 |
| Assets per employee ($millions) | 3.6408% | 4,589 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 6,277 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.4122% | 1,902 |
| Net loans and leases to deposits | 79.3711% | 2,911 |
| Net loans and leases to core deposits | 81.0979% | 3,638 |
| Total domestic deposits to total assets | 89.9725% | 992 |
| Equity capital to assets | 9.7299% | 4,500 |
| Core capital (leverage) ratio | 9.2657% | 4,299 |
| Tier 1 risk-based capital ratio | 12.5875% | 5,262 |
| Total risk-based capital ratio | 13.5560% | 5,494 |
| Memoranda: | ||
| Average total assets | $43,963,330 | 6,648 |
| Average earning assets | $39,192,000 | 6,676 |
| Average equity | $4,127,330 | 6,810 |
| Average total loans | $31,231,000 | 6,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 2,123 |
| Cost of funding earning assets | 1.3427% | 1,929 |
| Net interest margin | 3.8856% | 3,215 |
| Noninterest income to average assets | 0.6712% | 2,721 |
| Noninterest expense to average assets | 2.6757% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4603% | 963 |
| Return on assets (ROA) | 1.4603% | 998 |
| Pretax return on assets | 1.4603% | 1,566 |
| Return on Equity (ROE) | 15.8406% | 695 |
| Retained earnings to average equity (ytd only) | -1.8694% | 6,124 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6930% | 5,242 |
| Assets per employee ($millions) | 3.6465% | 4,659 |
| Cash dividends to net income (ytd only)* | 111.8012% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,330 |
| Loan loss allowance to noncurrent loans | 83.6898% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.8237% | 3,536 |
| Noncurrent loans to loans | 1.2146% | 4,656 |
| Net loans and leases to total assets | 69.6535% | 2,191 |
| Net loans and leases to deposits | 77.0216% | 3,251 |
| Net loans and leases to core deposits | 83.4972% | 3,233 |
| Total domestic deposits to total assets | 90.4337% | 879 |
| Equity capital to assets | 9.2829% | 4,758 |
| Core capital (leverage) ratio | 8.8011% | 4,928 |
| Tier 1 risk-based capital ratio | 12.3635% | 5,382 |
| Total risk-based capital ratio | 13.3512% | 5,597 |
| Memoranda: | ||
| Average total assets | $44,100,000 | 6,690 |
| Average earning assets | $39,324,500 | 6,709 |
| Average equity | $4,065,500 | 6,862 |
| Average total loans | $31,089,500 | 6,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6736% | 1,669 |
| Cost of funding earning assets | 1.6771% | 1,698 |
| Net interest margin | 3.9965% | 3,035 |
| Noninterest income to average assets | 0.8121% | 2,219 |
| Noninterest expense to average assets | 2.9619% | 3,994 |
| Loan and lease loss provision to assets | 0.2525% | 4,774 |
| Net operating income to assets | 1.1647% | 1,498 |
| Return on assets (ROA) | 1.1647% | 1,579 |
| Pretax return on assets | 1.1647% | 2,347 |
| Return on Equity (ROE) | 12.8347% | 1,130 |
| Retained earnings to average equity (ytd only) | 5.2391% | 2,285 |
| Net charge-offs to loans | 0.4805% | 3,700 |
| Credit loss provision to net charge-offs | 74.4966% | 5,750 |
| Earnings coverage of net charge-offs (x) | 4.1812% | 3,032 |
| Efficiency ratio | 67.6364% | 4,638 |
| Assets per employee ($millions) | 3.4186% | 5,127 |
| Cash dividends to net income (ytd only)* | 59.1797% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,405 |
| Loan loss allowance to noncurrent loans | 303.8835% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 4,641 |
| Noncurrent loans to loans | 0.3282% | 6,396 |
| Net loans and leases to total assets | 69.9203% | 2,549 |
| Net loans and leases to deposits | 77.2198% | 3,633 |
| Net loans and leases to core deposits | 88.5173% | 2,979 |
| Total domestic deposits to total assets | 90.5472% | 810 |
| Equity capital to assets | 9.1558% | 4,910 |
| Core capital (leverage) ratio | 8.5938% | 5,206 |
| Tier 1 risk-based capital ratio | 12.0845% | 5,399 |
| Total risk-based capital ratio | 13.0452% | 5,651 |
| Memoranda: | ||
| Average total assets | $43,958,000 | 6,735 |
| Average earning assets | $39,234,600 | 6,747 |
| Average equity | $3,989,200 | 7,007 |
| Average total loans | $31,011,000 | 6,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7084% | 1,687 |
| Cost of funding earning assets | 1.7310% | 1,717 |
| Net interest margin | 3.9774% | 3,198 |
| Noninterest income to average assets | 0.8121% | 2,169 |
| Noninterest expense to average assets | 2.8590% | 4,249 |
| Loan and lease loss provision to assets | 0.2616% | 4,490 |
| Net operating income to assets | 1.2348% | 1,500 |
| Return on assets (ROA) | 1.2348% | 1,577 |
| Pretax return on assets | 1.2348% | 2,379 |
| Return on Equity (ROE) | 13.6378% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.6019% | 3,260 |
| Net charge-offs to loans | 0.6512% | 2,805 |
| Credit loss provision to net charge-offs | 56.9536% | 5,765 |
| Earnings coverage of net charge-offs (x) | 3.2582% | 3,517 |
| Efficiency ratio | 65.6425% | 4,935 |
| Assets per employee ($millions) | 3.4852% | 5,017 |
| Cash dividends to net income (ytd only)* | 66.2566% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,686 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 1.3817% | 4,400 |
| Noncurrent loans to loans | 0.0064% | 7,257 |
| Net loans and leases to total assets | 68.2146% | 3,159 |
| Net loans and leases to deposits | 75.2081% | 4,315 |
| Net loans and leases to core deposits | 85.9431% | 3,664 |
| Total domestic deposits to total assets | 90.7012% | 548 |
| Equity capital to assets | 8.9721% | 5,618 |
| Core capital (leverage) ratio | 8.4413% | 5,624 |
| Tier 1 risk-based capital ratio | 11.8398% | 5,596 |
| Total risk-based capital ratio | 12.7160% | 5,950 |
| Memoranda: | ||
| Average total assets | $43,837,000 | 6,824 |
| Average earning assets | $39,052,500 | 6,833 |
| Average equity | $3,969,250 | 7,103 |
| Average total loans | $30,917,000 | 6,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 1,753 |
| Cost of funding earning assets | 1.7649% | 1,790 |
| Net interest margin | 3.9376% | 3,287 |
| Noninterest income to average assets | 0.8121% | 2,057 |
| Noninterest expense to average assets | 2.9944% | 3,734 |
| Loan and lease loss provision to assets | 0.0738% | 6,205 |
| Net operating income to assets | 1.2642% | 1,392 |
| Return on assets (ROA) | 1.2642% | 1,463 |
| Pretax return on assets | 1.2642% | 2,206 |
| Return on Equity (ROE) | 13.9181% | 1,059 |
| Retained earnings to average equity (ytd only) | 4.7240% | 3,069 |
| Net charge-offs to loans | -0.0324% | 7,365 |
| Credit loss provision to net charge-offs | -320.0000% | 6,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1161% | 4,355 |
| Assets per employee ($millions) | 3.4542% | 5,027 |
| Cash dividends to net income (ytd only)* | 66.0584% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 5,569 |
| Loan loss allowance to noncurrent loans | 140.9091% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 5,075 |
| Noncurrent loans to loans | 0.8348% | 5,614 |
| Net loans and leases to total assets | 69.5974% | 2,993 |
| Net loans and leases to deposits | 76.7580% | 4,194 |
| Net loans and leases to core deposits | 88.6934% | 3,452 |
| Total domestic deposits to total assets | 90.6712% | 616 |
| Equity capital to assets | 8.9591% | 5,508 |
| Core capital (leverage) ratio | 8.6432% | 5,170 |
| Tier 1 risk-based capital ratio | 11.7421% | 5,547 |
| Total risk-based capital ratio | 12.8853% | 5,600 |
| Memoranda: | ||
| Average total assets | $43,347,000 | 6,883 |
| Average earning assets | $38,755,000 | 6,898 |
| Average equity | $3,937,330 | 7,146 |
| Average total loans | $30,825,330 | 6,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 2,713 |
| Cost of funding earning assets | 1.8420% | 1,689 |
| Net interest margin | 3.6313% | 4,571 |
| Noninterest income to average assets | 0.7987% | 2,027 |
| Noninterest expense to average assets | 3.0069% | 3,654 |
| Loan and lease loss provision to assets | 0.1503% | 5,039 |
| Net operating income to assets | 0.8833% | 2,620 |
| Return on assets (ROA) | 0.8833% | 2,693 |
| Pretax return on assets | 0.8833% | 3,526 |
| Return on Equity (ROE) | 9.6546% | 2,221 |
| Retained earnings to average equity (ytd only) | -8.9357% | 6,892 |
| Net charge-offs to loans | -0.0526% | 7,359 |
| Credit loss provision to net charge-offs | -400.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4186% | 3,507 |
| Assets per employee ($millions) | 3.3077% | 5,525 |
| Cash dividends to net income (ytd only)* | 192.5532% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 5,355 |
| Loan loss allowance to noncurrent loans | 68.7037% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.7186% | 3,895 |
| Noncurrent loans to loans | 1.7857% | 4,070 |
| Net loans and leases to total assets | 69.4651% | 3,060 |
| Net loans and leases to deposits | 76.6074% | 4,299 |
| Net loans and leases to core deposits | 89.0897% | 3,487 |
| Total domestic deposits to total assets | 90.6767% | 667 |
| Equity capital to assets | 9.0093% | 5,265 |
| Core capital (leverage) ratio | 8.4898% | 5,392 |
| Tier 1 risk-based capital ratio | 11.6426% | 5,536 |
| Total risk-based capital ratio | 12.8290% | 5,570 |
| Memoranda: | ||
| Average total assets | $42,568,500 | 6,997 |
| Average earning assets | $38,003,000 | 7,019 |
| Average equity | $3,894,500 | 7,219 |
| Average total loans | $30,426,000 | 6,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0983% | 1,520 |
| Cost of funding earning assets | 2.1420% | 2,267 |
| Net interest margin | 3.9563% | 3,048 |
| Noninterest income to average assets | 0.9377% | 1,797 |
| Noninterest expense to average assets | 3.1337% | 3,601 |
| Loan and lease loss provision to assets | 0.1798% | 5,903 |
| Net operating income to assets | 1.2316% | 1,172 |
| Return on assets (ROA) | 1.2389% | 1,210 |
| Pretax return on assets | 1.2389% | 1,851 |
| Return on Equity (ROE) | 13.6138% | 852 |
| Retained earnings to average equity (ytd only) | 4.8850% | 1,878 |
| Net charge-offs to loans | 0.2201% | 5,244 |
| Credit loss provision to net charge-offs | 113.8462% | 4,812 |
| Earnings coverage of net charge-offs (x) | 8.9385% | 1,864 |
| Efficiency ratio | 68.9471% | 4,837 |
| Assets per employee ($millions) | 3.2413% | 5,623 |
| Cash dividends to net income (ytd only)* | 64.1176% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 5,656 |
| Loan loss allowance to noncurrent loans | 112.1406% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 4,666 |
| Noncurrent loans to loans | 1.0225% | 5,269 |
| Net loans and leases to total assets | 71.8134% | 2,801 |
| Net loans and leases to deposits | 79.5960% | 4,068 |
| Net loans and leases to core deposits | 104.6118% | 3,505 |
| Total domestic deposits to total assets | 90.2224% | 868 |
| Equity capital to assets | 9.2911% | 4,708 |
| Core capital (leverage) ratio | 8.8074% | 4,761 |
| Tier 1 risk-based capital ratio | 11.9075% | 5,022 |
| Total risk-based capital ratio | 13.0286% | 5,093 |
| Memoranda: | ||
| Average total assets | $41,165,800 | 7,041 |
| Average earning assets | $37,535,000 | 7,031 |
| Average equity | $3,746,200 | 7,374 |
| Average total loans | $29,525,400 | 6,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2049% | 1,368 |
| Cost of funding earning assets | 2.1810% | 2,490 |
| Net interest margin | 4.0239% | 2,709 |
| Noninterest income to average assets | 0.8145% | 2,361 |
| Noninterest expense to average assets | 3.2092% | 3,273 |
| Loan and lease loss provision to assets | 0.1466% | 5,893 |
| Net operating income to assets | 1.1436% | 1,598 |
| Return on assets (ROA) | 1.1534% | 1,643 |
| Pretax return on assets | 1.1534% | 2,404 |
| Return on Equity (ROE) | 12.7427% | 1,162 |
| Retained earnings to average equity (ytd only) | 1.0078% | 4,750 |
| Net charge-offs to loans | 0.1914% | 4,868 |
| Credit loss provision to net charge-offs | 107.1429% | 4,745 |
| Earnings coverage of net charge-offs (x) | 9.4284% | 2,113 |
| Efficiency ratio | 71.3251% | 4,361 |
| Assets per employee ($millions) | 2.9765% | 6,228 |
| Cash dividends to net income (ytd only)* | 92.0909% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,387 |
| Loan loss allowance to noncurrent loans | 91.5119% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 4,331 |
| Noncurrent loans to loans | 1.2621% | 4,833 |
| Net loans and leases to total assets | 70.8574% | 3,303 |
| Net loans and leases to deposits | 78.4104% | 4,680 |
| Net loans and leases to core deposits | 102.9174% | 4,062 |
| Total domestic deposits to total assets | 90.3674% | 632 |
| Equity capital to assets | 9.0855% | 5,364 |
| Core capital (leverage) ratio | 8.5264% | 5,440 |
| Tier 1 risk-based capital ratio | 11.7746% | 5,174 |
| Total risk-based capital ratio | 12.9115% | 5,224 |
| Memoranda: | ||
| Average total assets | $40,923,000 | 7,107 |
| Average earning assets | $37,474,750 | 7,092 |
| Average equity | $3,704,000 | 7,446 |
| Average total loans | $29,254,000 | 6,722 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1951% | 1,474 |
| Cost of funding earning assets | 2.2019% | 2,782 |
| Net interest margin | 3.9932% | 2,723 |
| Noninterest income to average assets | 0.7474% | 2,719 |
| Noninterest expense to average assets | 3.0978% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3326% | 1,153 |
| Return on assets (ROA) | 1.3473% | 1,198 |
| Pretax return on assets | 1.3473% | 1,889 |
| Return on Equity (ROE) | 14.9048% | 847 |
| Retained earnings to average equity (ytd only) | 0.2720% | 5,108 |
| Net charge-offs to loans | 0.2616% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.1316% | 2,491 |
| Efficiency ratio | 69.9223% | 4,798 |
| Assets per employee ($millions) | 3.5220% | 4,761 |
| Cash dividends to net income (ytd only)* | 98.1752% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,119 |
| Loan loss allowance to noncurrent loans | 64.2706% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 4,715 |
| Noncurrent loans to loans | 1.5789% | 4,130 |
| Net loans and leases to total assets | 70.1637% | 3,663 |
| Net loans and leases to deposits | 77.3468% | 4,965 |
| Net loans and leases to core deposits | 101.5548% | 4,335 |
| Total domestic deposits to total assets | 90.7131% | 553 |
| Equity capital to assets | 8.7782% | 5,630 |
| Core capital (leverage) ratio | 8.6946% | 5,095 |
| Tier 1 risk-based capital ratio | 11.6108% | 5,277 |
| Total risk-based capital ratio | 12.6051% | 5,453 |
| Memoranda: | ||
| Average total assets | $40,673,670 | 7,178 |
| Average earning assets | $37,513,330 | 7,158 |
| Average equity | $3,676,670 | 7,515 |
| Average total loans | $29,048,000 | 6,786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 1,549 |
| Cost of funding earning assets | 2.2861% | 2,760 |
| Net interest margin | 3.9300% | 2,928 |
| Noninterest income to average assets | 0.7322% | 2,694 |
| Noninterest expense to average assets | 3.2097% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1435% | 1,829 |
| Return on assets (ROA) | 1.1736% | 1,840 |
| Pretax return on assets | 1.1736% | 2,708 |
| Return on Equity (ROE) | 12.7869% | 1,441 |
| Retained earnings to average equity (ytd only) | -6.8852% | 6,783 |
| Net charge-offs to loans | -0.0280% | 7,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7327% | 3,868 |
| Assets per employee ($millions) | 3.2834% | 5,359 |
| Cash dividends to net income (ytd only)* | 153.8462% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 4,721 |
| Loan loss allowance to noncurrent loans | 50.5140% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.8299% | 3,169 |
| Noncurrent loans to loans | 2.4005% | 2,752 |
| Net loans and leases to total assets | 71.1276% | 3,440 |
| Net loans and leases to deposits | 78.7507% | 4,805 |
| Net loans and leases to core deposits | 104.1086% | 4,125 |
| Total domestic deposits to total assets | 90.3200% | 666 |
| Equity capital to assets | 9.2561% | 5,002 |
| Core capital (leverage) ratio | 8.7600% | 5,046 |
| Tier 1 risk-based capital ratio | 12.0310% | 4,938 |
| Total risk-based capital ratio | 13.2195% | 4,881 |
| Memoranda: | ||
| Average total assets | $39,878,500 | 7,255 |
| Average earning assets | $36,743,000 | 7,227 |
| Average equity | $3,660,000 | 7,572 |
| Average total loans | $28,593,000 | 6,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2107% | 718 |
| Cost of funding earning assets | 2.9742% | 1,966 |
| Net interest margin | 4.2366% | 2,174 |
| Noninterest income to average assets | 0.8895% | 2,002 |
| Noninterest expense to average assets | 3.2732% | 3,062 |
| Loan and lease loss provision to assets | 0.1688% | 5,218 |
| Net operating income to assets | 1.3204% | 1,428 |
| Return on assets (ROA) | 1.3557% | 1,291 |
| Pretax return on assets | 1.3557% | 2,112 |
| Return on Equity (ROE) | 15.6577% | 824 |
| Retained earnings to average equity (ytd only) | 3.9290% | 2,679 |
| Net charge-offs to loans | 0.2261% | 3,977 |
| Credit loss provision to net charge-offs | 104.6875% | 5,109 |
| Earnings coverage of net charge-offs (x) | 9.2344% | 2,728 |
| Efficiency ratio | 68.7302% | 4,590 |
| Assets per employee ($millions) | 3.1043% | 5,757 |
| Cash dividends to net income (ytd only)* | 74.9071% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 4,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 7,184 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 70.5595% | 3,894 |
| Net loans and leases to deposits | 78.0993% | 5,321 |
| Net loans and leases to core deposits | 101.6093% | 4,659 |
| Total domestic deposits to total assets | 90.3459% | 537 |
| Equity capital to assets | 9.1015% | 5,224 |
| Core capital (leverage) ratio | 8.8281% | 4,996 |
| Tier 1 risk-based capital ratio | 12.0341% | 4,794 |
| Total risk-based capital ratio | 13.1951% | 4,747 |
| Memoranda: | ||
| Average total assets | $39,685,400 | 7,226 |
| Average earning assets | $36,279,200 | 7,232 |
| Average equity | $3,436,000 | 7,706 |
| Average total loans | $28,300,800 | 6,819 |