Home > Farmers State Bank & Trust Co. > Performance and Condition Ratios
Farmers State Bank & Trust Co., 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 | 4.8304% | 2,415 |
| Cost of funding earning assets | 1.4737% | 2,011 |
| Net interest margin | 3.3567% | 2,503 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0724% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0971% | 1,932 |
| Return on assets (ROA) | 1.0978% | 1,899 |
| Pretax return on assets | 1.4825% | 1,466 |
| Return on Equity (ROE) | 15.1100% | 1,268 |
| Retained earnings to average equity (ytd only) | 6.9325% | 1,909 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.3113% | 3,261 |
| Assets per employee ($millions) | 8.6282% | 1,138 |
| Cash dividends to net income (ytd only)* | 54.1277% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,523 |
| Loan loss allowance to noncurrent loans | 1,856.8182% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,968 |
| Noncurrent loans to loans | 0.0513% | 3,357 |
| Net loans and leases to total assets | 70.3000% | 1,776 |
| Net loans and leases to deposits | 76.9308% | 2,361 |
| Net loans and leases to core deposits | 86.1559% | 2,300 |
| Total domestic deposits to total assets | 91.3800% | 414 |
| Equity capital to assets | 7.4142% | 3,762 |
| Core capital (leverage) ratio | 8.6281% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5379% | 2,397 |
| Memoranda: | ||
| Average total assets | $116,965,000 | 3,684 |
| Average earning assets | $108,230,200 | 3,663 |
| Average equity | $8,496,200 | 3,878 |
| Average total loans | $83,830,000 | 3,364 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 2,421 |
| Cost of funding earning assets | 1.3601% | 1,977 |
| Net interest margin | 3.3661% | 2,531 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.0550% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1185% | 1,995 |
| Return on assets (ROA) | 1.1194% | 1,975 |
| Pretax return on assets | 1.5114% | 1,533 |
| Return on Equity (ROE) | 15.4900% | 1,351 |
| Retained earnings to average equity (ytd only) | 8.0177% | 1,960 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.6402% | 3,252 |
| Assets per employee ($millions) | 8.9705% | 947 |
| Cash dividends to net income (ytd only)* | 48.2546% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,550 |
| Loan loss allowance to noncurrent loans | 1,702.0833% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 2,042 |
| Noncurrent loans to loans | 0.0560% | 3,354 |
| Net loans and leases to total assets | 72.8300% | 1,486 |
| Net loans and leases to deposits | 79.3186% | 2,112 |
| Net loans and leases to core deposits | 88.5589% | 2,019 |
| Total domestic deposits to total assets | 91.8200% | 491 |
| Equity capital to assets | 7.0376% | 3,591 |
| Core capital (leverage) ratio | 8.8699% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4312% | 2,471 |
| Memoranda: | ||
| Average total assets | $116,007,500 | 3,697 |
| Average earning assets | $107,539,750 | 3,682 |
| Average equity | $8,381,250 | 3,893 |
| Average total loans | $83,354,000 | 3,374 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 2,412 |
| Cost of funding earning assets | 1.2450% | 1,865 |
| Net interest margin | 3.3573% | 2,622 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.0448% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1333% | 2,026 |
| Return on assets (ROA) | 1.1347% | 2,015 |
| Pretax return on assets | 1.5319% | 1,536 |
| Return on Equity (ROE) | 15.5700% | 1,345 |
| Retained earnings to average equity (ytd only) | 7.9864% | 1,967 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.1981% | 3,279 |
| Assets per employee ($millions) | 8.1271% | 1,263 |
| Cash dividends to net income (ytd only)* | 48.7062% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,472 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,159 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.8500% | 1,552 |
| Net loans and leases to deposits | 78.7972% | 2,063 |
| Net loans and leases to core deposits | 86.8602% | 2,009 |
| Total domestic deposits to total assets | 91.1800% | 596 |
| Equity capital to assets | 7.4574% | 3,546 |
| Core capital (leverage) ratio | 8.7317% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7014% | 2,404 |
| Memoranda: | ||
| Average total assets | $115,804,333 | 3,718 |
| Average earning assets | $107,466,333 | 3,688 |
| Average equity | $8,439,333 | 3,911 |
| Average total loans | $82,557,000 | 3,383 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,543 |
| Cost of funding earning assets | 1.1378% | 1,635 |
| Net interest margin | 3.2652% | 2,960 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.9723% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0759% | 2,302 |
| Return on assets (ROA) | 1.0786% | 2,261 |
| Pretax return on assets | 1.4553% | 1,757 |
| Return on Equity (ROE) | 14.9700% | 1,555 |
| Retained earnings to average equity (ytd only) | 7.3665% | 2,402 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.6000% | 3,233 |
| Assets per employee ($millions) | 8.2750% | 1,218 |
| Cash dividends to net income (ytd only)* | 50.7937% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,469 |
| Loan loss allowance to noncurrent loans | 319.1406% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,217 |
| Noncurrent loans to loans | 0.3170% | 2,007 |
| Net loans and leases to total assets | 69.0100% | 1,728 |
| Net loans and leases to deposits | 75.5895% | 2,157 |
| Net loans and leases to core deposits | 83.4935% | 2,025 |
| Total domestic deposits to total assets | 91.2900% | 707 |
| Equity capital to assets | 7.3647% | 3,637 |
| Core capital (leverage) ratio | 8.5518% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7180% | 2,490 |
| Memoranda: | ||
| Average total assets | $116,817,000 | 3,755 |
| Average earning assets | $107,926,000 | 3,738 |
| Average equity | $8,416,500 | 3,963 |
| Average total loans | $82,554,500 | 3,425 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 2,007 |
| Cost of funding earning assets | 0.5295% | 1,213 |
| Net interest margin | 3.3621% | 2,379 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.0417% | 3,466 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0916% | 2,212 |
| Return on assets (ROA) | 1.0951% | 2,138 |
| Pretax return on assets | 1.4664% | 1,551 |
| Return on Equity (ROE) | 14.5000% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.4809% | 2,841 |
| Net charge-offs to loans | 0.0679% | 968 |
| Credit loss provision to net charge-offs | 57.6923% | 1,791 |
| Earnings coverage of net charge-offs (x) | 32.9808% | 1,633 |
| Efficiency ratio | 57.8417% | 3,361 |
| Assets per employee ($millions) | 8.4131% | 1,138 |
| Cash dividends to net income (ytd only)* | 62.2029% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7908% | 4,055 |
| Loan loss allowance to noncurrent loans | 1,212.7273% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 1,921 |
| Noncurrent loans to loans | 0.0652% | 3,273 |
| Net loans and leases to total assets | 71.0500% | 1,520 |
| Net loans and leases to deposits | 78.9032% | 1,855 |
| Net loans and leases to core deposits | 85.9349% | 1,756 |
| Total domestic deposits to total assets | 90.0400% | 1,349 |
| Equity capital to assets | 7.0476% | 3,643 |
| Core capital (leverage) ratio | 8.4527% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0570% | 2,348 |
| Memoranda: | ||
| Average total assets | $115,245,600 | 3,775 |
| Average earning assets | $107,075,000 | 3,759 |
| Average equity | $8,703,000 | 4,023 |
| Average total loans | $76,599,400 | 3,463 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 1,924 |
| Cost of funding earning assets | 0.3607% | 1,613 |
| Net interest margin | 3.3807% | 2,035 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0451% | 3,368 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1087% | 2,054 |
| Return on assets (ROA) | 1.1133% | 2,007 |
| Pretax return on assets | 1.4879% | 1,448 |
| Return on Equity (ROE) | 14.4900% | 1,296 |
| Retained earnings to average equity (ytd only) | 6.7699% | 2,456 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6961% | 3,420 |
| Assets per employee ($millions) | 7.7050% | 1,482 |
| Cash dividends to net income (ytd only)* | 53.2915% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8475% | 3,992 |
| Loan loss allowance to noncurrent loans | 545.7364% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 1,901 |
| Noncurrent loans to loans | 0.1553% | 2,833 |
| Net loans and leases to total assets | 71.2700% | 1,369 |
| Net loans and leases to deposits | 82.2556% | 1,425 |
| Net loans and leases to core deposits | 89.6763% | 1,318 |
| Total domestic deposits to total assets | 86.6400% | 2,876 |
| Equity capital to assets | 7.0119% | 3,513 |
| Core capital (leverage) ratio | 8.6016% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3850% | 2,695 |
| Memoranda: | ||
| Average total assets | $114,611,000 | 3,807 |
| Average earning assets | $106,839,000 | 3,784 |
| Average equity | $8,803,500 | 4,058 |
| Average total loans | $74,662,500 | 3,504 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 1,882 |
| Cost of funding earning assets | 0.3115% | 1,608 |
| Net interest margin | 3.2765% | 1,976 |
| Noninterest income to average assets | 0.3815% | 2,859 |
| Noninterest expense to average assets | 2.0929% | 3,174 |
| Loan and lease loss provision to assets | 0.0105% | 2,398 |
| Net operating income to assets | 1.0027% | 2,146 |
| Return on assets (ROA) | 1.0027% | 2,119 |
| Pretax return on assets | 1.3335% | 1,631 |
| Return on Equity (ROE) | 12.6817% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.2674% | 2,601 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8961% | 3,191 |
| Assets per employee ($millions) | 7.0553% | 1,901 |
| Cash dividends to net income (ytd only)* | 58.4642% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 3,971 |
| Loan loss allowance to noncurrent loans | 262.2642% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 1,446 |
| Noncurrent loans to loans | 0.3408% | 2,122 |
| Net loans and leases to total assets | 68.2712% | 1,461 |
| Net loans and leases to deposits | 74.6161% | 1,793 |
| Net loans and leases to core deposits | 81.1097% | 1,651 |
| Total domestic deposits to total assets | 91.4967% | 1,029 |
| Equity capital to assets | 7.4120% | 3,526 |
| Core capital (leverage) ratio | 8.5685% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9610% | 2,516 |
| Memoranda: | ||
| Average total assets | $114,289,667 | 3,847 |
| Average earning assets | $106,577,333 | 3,839 |
| Average equity | $9,036,667 | 4,100 |
| Average total loans | $71,860,333 | 3,587 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 2,215 |
| Cost of funding earning assets | 0.3232% | 1,432 |
| Net interest margin | 3.0353% | 2,381 |
| Noninterest income to average assets | 0.3965% | 2,713 |
| Noninterest expense to average assets | 2.2749% | 2,596 |
| Loan and lease loss provision to assets | 0.0104% | 2,138 |
| Net operating income to assets | 0.7305% | 2,932 |
| Return on assets (ROA) | 0.7305% | 2,923 |
| Pretax return on assets | 0.9531% | 2,595 |
| Return on Equity (ROE) | 8.9633% | 2,329 |
| Retained earnings to average equity (ytd only) | 1.4939% | 3,696 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2470% | 2,195 |
| Assets per employee ($millions) | 7.6197% | 1,615 |
| Cash dividends to net income (ytd only)* | 83.3333% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,852 |
| Loan loss allowance to noncurrent loans | 745.1613% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,238 |
| Noncurrent loans to loans | 0.1297% | 3,164 |
| Net loans and leases to total assets | 62.1532% | 1,840 |
| Net loans and leases to deposits | 68.2972% | 2,120 |
| Net loans and leases to core deposits | 73.7291% | 1,964 |
| Total domestic deposits to total assets | 91.0040% | 1,029 |
| Equity capital to assets | 7.8359% | 3,697 |
| Core capital (leverage) ratio | 8.4283% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3126% | 2,478 |
| Memoranda: | ||
| Average total assets | $114,992,000 | 3,864 |
| Average earning assets | $107,666,000 | 3,836 |
| Average equity | $9,371,500 | 4,124 |
| Average total loans | $68,909,000 | 3,639 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 2,140 |
| Cost of funding earning assets | 0.4531% | 1,180 |
| Net interest margin | 3.2360% | 2,500 |
| Noninterest income to average assets | 0.4850% | 2,646 |
| Noninterest expense to average assets | 2.0384% | 3,557 |
| Loan and lease loss provision to assets | -0.0221% | 4,237 |
| Net operating income to assets | 1.0931% | 2,322 |
| Return on assets (ROA) | 1.0931% | 2,386 |
| Pretax return on assets | 1.4649% | 1,836 |
| Return on Equity (ROE) | 12.5864% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.9237% | 3,246 |
| Net charge-offs to loans | -0.0134% | 3,834 |
| Credit loss provision to net charge-offs | 277.7778% | 1,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5558% | 3,357 |
| Assets per employee ($millions) | 7.2306% | 1,772 |
| Cash dividends to net income (ytd only)* | 68.8259% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,593 |
| Loan loss allowance to noncurrent loans | 683.1683% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,838 |
| Noncurrent loans to loans | 0.1528% | 3,173 |
| Net loans and leases to total assets | 56.5283% | 2,534 |
| Net loans and leases to deposits | 62.5151% | 2,835 |
| Net loans and leases to core deposits | 67.8322% | 2,665 |
| Total domestic deposits to total assets | 90.4235% | 752 |
| Equity capital to assets | 8.4597% | 4,074 |
| Core capital (leverage) ratio | 8.2657% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9348% | 2,271 |
| Memoranda: | ||
| Average total assets | $112,978,400 | 3,869 |
| Average earning assets | $104,604,400 | 3,860 |
| Average equity | $9,812,200 | 4,147 |
| Average total loans | $67,064,800 | 3,710 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 3,016 |
| Cost of funding earning assets | 0.4780% | 1,169 |
| Net interest margin | 2.9507% | 3,436 |
| Noninterest income to average assets | 0.8311% | 1,437 |
| Noninterest expense to average assets | 2.1228% | 3,299 |
| Loan and lease loss provision to assets | -0.0294% | 4,391 |
| Net operating income to assets | 1.0863% | 2,608 |
| Return on assets (ROA) | 1.0863% | 2,660 |
| Pretax return on assets | 1.4568% | 2,127 |
| Return on Equity (ROE) | 12.4252% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.2281% | 3,128 |
| Net charge-offs to loans | -0.0178% | 3,927 |
| Credit loss provision to net charge-offs | 277.7778% | 1,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7993% | 3,007 |
| Assets per employee ($millions) | 7.9695% | 1,285 |
| Cash dividends to net income (ytd only)* | 57.9235% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,672 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 2,228 |
| Noncurrent loans to loans | 0.1048% | 3,567 |
| Net loans and leases to total assets | 54.4896% | 2,909 |
| Net loans and leases to deposits | 60.0987% | 3,218 |
| Net loans and leases to core deposits | 65.0937% | 3,032 |
| Total domestic deposits to total assets | 90.6669% | 482 |
| Equity capital to assets | 8.3059% | 4,340 |
| Core capital (leverage) ratio | 8.4588% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9864% | 2,370 |
| Memoranda: | ||
| Average total assets | $112,300,750 | 3,922 |
| Average earning assets | $103,474,250 | 3,918 |
| Average equity | $9,818,500 | 4,207 |
| Average total loans | $67,309,250 | 3,755 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 2,847 |
| Cost of funding earning assets | 0.4887% | 1,270 |
| Net interest margin | 3.0260% | 3,257 |
| Noninterest income to average assets | 1.0392% | 1,011 |
| Noninterest expense to average assets | 2.1022% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2995% | 1,871 |
| Return on assets (ROA) | 1.2995% | 1,943 |
| Pretax return on assets | 1.7545% | 1,343 |
| Return on Equity (ROE) | 14.5987% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.6470% | 2,212 |
| Net charge-offs to loans | 0.0265% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 107.1111% | 721 |
| Efficiency ratio | 54.5068% | 3,741 |
| Assets per employee ($millions) | 7.0417% | 1,773 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,658 |
| Loan loss allowance to noncurrent loans | 1,201.7241% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,015 |
| Noncurrent loans to loans | 0.0869% | 3,748 |
| Net loans and leases to total assets | 58.6250% | 2,588 |
| Net loans and leases to deposits | 65.0864% | 2,890 |
| Net loans and leases to core deposits | 70.8725% | 2,697 |
| Total domestic deposits to total assets | 90.0725% | 739 |
| Equity capital to assets | 8.7701% | 3,996 |
| Core capital (leverage) ratio | 8.4249% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5300% | 2,154 |
| Memoranda: | ||
| Average total assets | $109,887,000 | 3,964 |
| Average earning assets | $102,314,000 | 3,947 |
| Average equity | $9,781,667 | 4,227 |
| Average total loans | $67,803,000 | 3,766 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 2,690 |
| Cost of funding earning assets | 0.5059% | 1,356 |
| Net interest margin | 3.0791% | 3,058 |
| Noninterest income to average assets | 1.1576% | 907 |
| Noninterest expense to average assets | 2.0978% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4268% | 1,505 |
| Return on assets (ROA) | 1.4268% | 1,575 |
| Pretax return on assets | 1.9319% | 1,064 |
| Return on Equity (ROE) | 15.9063% | 1,032 |
| Retained earnings to average equity (ytd only) | 8.7135% | 2,035 |
| Net charge-offs to loans | 0.0527% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 58.2222% | 836 |
| Efficiency ratio | 52.0586% | 3,986 |
| Assets per employee ($millions) | 6.9681% | 1,824 |
| Cash dividends to net income (ytd only)* | 45.2196% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,738 |
| Loan loss allowance to noncurrent loans | 341.6667% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 1,787 |
| Noncurrent loans to loans | 0.3005% | 3,020 |
| Net loans and leases to total assets | 60.2556% | 2,517 |
| Net loans and leases to deposits | 67.0436% | 2,805 |
| Net loans and leases to core deposits | 73.1853% | 2,595 |
| Total domestic deposits to total assets | 89.8753% | 880 |
| Equity capital to assets | 8.7802% | 3,888 |
| Core capital (leverage) ratio | 8.7699% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5328% | 2,478 |
| Memoranda: | ||
| Average total assets | $108,497,000 | 3,986 |
| Average earning assets | $101,197,000 | 3,968 |
| Average equity | $9,732,000 | 4,241 |
| Average total loans | $68,330,500 | 3,769 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 2,380 |
| Cost of funding earning assets | 0.6940% | 1,743 |
| Net interest margin | 3.4203% | 2,708 |
| Noninterest income to average assets | 0.7226% | 1,780 |
| Noninterest expense to average assets | 2.0898% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3547% | 1,115 |
| Return on assets (ROA) | 1.3547% | 1,211 |
| Pretax return on assets | 1.8239% | 652 |
| Return on Equity (ROE) | 15.3029% | 588 |
| Retained earnings to average equity (ytd only) | 7.1943% | 1,324 |
| Net charge-offs to loans | 0.0592% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 47.3250% | 1,252 |
| Efficiency ratio | 53.3973% | 4,269 |
| Assets per employee ($millions) | 6.5940% | 1,854 |
| Cash dividends to net income (ytd only)* | 52.9872% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,774 |
| Loan loss allowance to noncurrent loans | 353.0000% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,892 |
| Noncurrent loans to loans | 0.2908% | 3,157 |
| Net loans and leases to total assets | 64.5274% | 2,292 |
| Net loans and leases to deposits | 72.0794% | 2,681 |
| Net loans and leases to core deposits | 78.8654% | 2,471 |
| Total domestic deposits to total assets | 89.5227% | 759 |
| Equity capital to assets | 9.1703% | 3,917 |
| Core capital (leverage) ratio | 8.7133% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6150% | 2,396 |
| Memoranda: | ||
| Average total assets | $103,790,600 | 3,947 |
| Average earning assets | $96,832,400 | 3,925 |
| Average equity | $9,187,800 | 4,287 |
| Average total loans | $67,542,400 | 3,786 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 2,777 |
| Cost of funding earning assets | 0.7219% | 1,894 |
| Net interest margin | 3.3424% | 3,066 |
| Noninterest income to average assets | 0.7611% | 1,615 |
| Noninterest expense to average assets | 2.0665% | 4,013 |
| Loan and lease loss provision to assets | 0.2322% | 1,750 |
| Net operating income to assets | 1.1764% | 1,722 |
| Return on assets (ROA) | 1.1764% | 1,843 |
| Pretax return on assets | 1.5802% | 1,241 |
| Return on Equity (ROE) | 13.4124% | 1,000 |
| Retained earnings to average equity (ytd only) | 7.1621% | 1,628 |
| Net charge-offs to loans | 0.0397% | 2,064 |
| Credit loss provision to net charge-offs | 900.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 70.2500% | 993 |
| Efficiency ratio | 53.2757% | 4,226 |
| Assets per employee ($millions) | 7.5032% | 1,207 |
| Cash dividends to net income (ytd only)* | 46.6009% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,387 |
| Loan loss allowance to noncurrent loans | 47.1139% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 360 |
| Noncurrent loans to loans | 2.6568% | 386 |
| Net loans and leases to total assets | 59.5372% | 3,277 |
| Net loans and leases to deposits | 67.9562% | 3,468 |
| Net loans and leases to core deposits | 73.6719% | 3,343 |
| Total domestic deposits to total assets | 87.6111% | 1,393 |
| Equity capital to assets | 7.9183% | 4,740 |
| Core capital (leverage) ratio | 8.6831% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6075% | 2,759 |
| Memoranda: | ||
| Average total assets | $103,362,250 | 3,947 |
| Average earning assets | $96,414,750 | 3,929 |
| Average equity | $9,066,000 | 4,315 |
| Average total loans | $67,231,750 | 3,803 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 2,401 |
| Cost of funding earning assets | 0.7870% | 1,893 |
| Net interest margin | 3.5404% | 2,672 |
| Noninterest income to average assets | 0.9550% | 1,065 |
| Noninterest expense to average assets | 2.2413% | 3,679 |
| Loan and lease loss provision to assets | 0.3681% | 1,136 |
| Net operating income to assets | 1.2270% | 1,560 |
| Return on assets (ROA) | 1.2270% | 1,684 |
| Pretax return on assets | 1.6483% | 1,107 |
| Return on Equity (ROE) | 13.4539% | 986 |
| Retained earnings to average equity (ytd only) | 7.2875% | 1,543 |
| Net charge-offs to loans | 0.0733% | 1,514 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 41.0833% | 1,230 |
| Efficiency ratio | 52.6417% | 4,309 |
| Assets per employee ($millions) | 6.4544% | 1,827 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,904 |
| Loan loss allowance to noncurrent loans | 47.1264% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.2504% | 284 |
| Noncurrent loans to loans | 2.8035% | 374 |
| Net loans and leases to total assets | 65.2352% | 2,732 |
| Net loans and leases to deposits | 76.2731% | 2,832 |
| Net loans and leases to core deposits | 83.9824% | 2,602 |
| Total domestic deposits to total assets | 85.5284% | 2,189 |
| Equity capital to assets | 8.9870% | 4,102 |
| Core capital (leverage) ratio | 8.9171% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4596% | 2,415 |
| Memoranda: | ||
| Average total assets | $97,799,333 | 4,025 |
| Average earning assets | $91,233,000 | 4,005 |
| Average equity | $8,919,333 | 4,346 |
| Average total loans | $65,515,333 | 3,842 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 2,046 |
| Cost of funding earning assets | 0.8534% | 2,097 |
| Net interest margin | 3.7296% | 2,219 |
| Noninterest income to average assets | 0.5722% | 2,166 |
| Noninterest expense to average assets | 2.2469% | 3,896 |
| Loan and lease loss provision to assets | 0.1262% | 2,127 |
| Net operating income to assets | 1.2455% | 1,389 |
| Return on assets (ROA) | 1.2455% | 1,491 |
| Pretax return on assets | 1.6747% | 900 |
| Return on Equity (ROE) | 13.5492% | 784 |
| Retained earnings to average equity (ytd only) | 6.6831% | 1,654 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5094% | 4,257 |
| Assets per employee ($millions) | 5.9799% | 1,696 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,720 |
| Loan loss allowance to noncurrent loans | 497.4359% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 2,074 |
| Noncurrent loans to loans | 0.2393% | 3,627 |
| Net loans and leases to total assets | 67.3209% | 2,645 |
| Net loans and leases to deposits | 75.6498% | 3,103 |
| Net loans and leases to core deposits | 83.2648% | 2,914 |
| Total domestic deposits to total assets | 88.9903% | 669 |
| Equity capital to assets | 9.1107% | 4,528 |
| Core capital (leverage) ratio | 9.1179% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3814% | 2,538 |
| Memoranda: | ||
| Average total assets | $95,063,500 | 4,059 |
| Average earning assets | $88,588,500 | 4,046 |
| Average equity | $8,738,500 | 4,394 |
| Average total loans | $64,137,500 | 3,881 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 2,196 |
| Cost of funding earning assets | 0.9280% | 2,069 |
| Net interest margin | 3.8187% | 2,445 |
| Noninterest income to average assets | 0.5109% | 2,670 |
| Noninterest expense to average assets | 2.4577% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1776% | 2,145 |
| Return on assets (ROA) | 1.1776% | 2,242 |
| Pretax return on assets | 1.5691% | 1,593 |
| Return on Equity (ROE) | 12.9830% | 1,172 |
| Retained earnings to average equity (ytd only) | 4.5158% | 2,698 |
| Net charge-offs to loans | 0.0259% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 86.5294% | 753 |
| Efficiency ratio | 61.0331% | 3,531 |
| Assets per employee ($millions) | 5.9030% | 1,711 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,529 |
| Loan loss allowance to noncurrent loans | 536.6906% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 1,999 |
| Noncurrent loans to loans | 0.2203% | 3,660 |
| Net loans and leases to total assets | 66.0056% | 2,955 |
| Net loans and leases to deposits | 73.9865% | 3,355 |
| Net loans and leases to core deposits | 81.5544% | 3,170 |
| Total domestic deposits to total assets | 89.2131% | 588 |
| Equity capital to assets | 9.2749% | 4,508 |
| Core capital (leverage) ratio | 8.9755% | 4,548 |
| Tier 1 risk-based capital ratio | 11.6395% | 4,559 |
| Total risk-based capital ratio | 12.6550% | 4,553 |
| Memoranda: | ||
| Average total assets | $93,748,000 | 4,087 |
| Average earning assets | $86,312,800 | 4,095 |
| Average equity | $8,503,400 | 4,448 |
| Average total loans | $65,549,200 | 3,868 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 2,223 |
| Cost of funding earning assets | 0.9261% | 2,108 |
| Net interest margin | 3.8423% | 2,461 |
| Noninterest income to average assets | 0.4745% | 2,880 |
| Noninterest expense to average assets | 2.3738% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2211% | 2,123 |
| Return on assets (ROA) | 1.2211% | 2,195 |
| Pretax return on assets | 1.6301% | 1,527 |
| Return on Equity (ROE) | 13.5396% | 1,104 |
| Retained earnings to average equity (ytd only) | 5.6402% | 2,547 |
| Net charge-offs to loans | 0.0020% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,146.8421% | 75 |
| Efficiency ratio | 59.2883% | 3,767 |
| Assets per employee ($millions) | 6.0632% | 1,562 |
| Cash dividends to net income (ytd only)* | 58.3430% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,577 |
| Loan loss allowance to noncurrent loans | 485.3503% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 2,001 |
| Noncurrent loans to loans | 0.2444% | 3,665 |
| Net loans and leases to total assets | 65.4287% | 3,124 |
| Net loans and leases to deposits | 73.1129% | 3,548 |
| Net loans and leases to core deposits | 80.6631% | 3,339 |
| Total domestic deposits to total assets | 89.4899% | 450 |
| Equity capital to assets | 9.0103% | 4,776 |
| Core capital (leverage) ratio | 9.0146% | 4,625 |
| Tier 1 risk-based capital ratio | 12.2096% | 4,302 |
| Total risk-based capital ratio | 13.3011% | 4,284 |
| Memoranda: | ||
| Average total assets | $93,573,000 | 4,139 |
| Average earning assets | $85,953,000 | 4,151 |
| Average equity | $8,439,250 | 4,504 |
| Average total loans | $66,164,750 | 3,895 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,089 |
| Cost of funding earning assets | 0.9171% | 2,068 |
| Net interest margin | 3.8741% | 2,328 |
| Noninterest income to average assets | 0.4133% | 3,181 |
| Noninterest expense to average assets | 2.4603% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1295% | 2,405 |
| Return on assets (ROA) | 1.1295% | 2,477 |
| Pretax return on assets | 1.4996% | 1,862 |
| Return on Equity (ROE) | 12.5200% | 1,400 |
| Retained earnings to average equity (ytd only) | 4.7250% | 2,904 |
| Net charge-offs to loans | 0.0150% | 2,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 138.6000% | 528 |
| Efficiency ratio | 62.1311% | 3,414 |
| Assets per employee ($millions) | 5.7949% | 1,701 |
| Cash dividends to net income (ytd only)* | 62.2605% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,863 |
| Loan loss allowance to noncurrent loans | 435.6322% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 1,953 |
| Noncurrent loans to loans | 0.2608% | 3,595 |
| Net loans and leases to total assets | 71.1375% | 2,357 |
| Net loans and leases to deposits | 79.7500% | 2,983 |
| Net loans and leases to core deposits | 88.2051% | 2,779 |
| Total domestic deposits to total assets | 89.2007% | 592 |
| Equity capital to assets | 9.2139% | 4,637 |
| Core capital (leverage) ratio | 9.0470% | 4,594 |
| Tier 1 risk-based capital ratio | 12.0516% | 4,386 |
| Total risk-based capital ratio | 13.1440% | 4,357 |
| Memoranda: | ||
| Average total assets | $92,427,000 | 4,185 |
| Average earning assets | $84,612,670 | 4,200 |
| Average equity | $8,338,670 | 4,536 |
| Average total loans | $66,808,000 | 3,907 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 1,998 |
| Cost of funding earning assets | 0.8786% | 2,106 |
| Net interest margin | 3.8894% | 2,224 |
| Noninterest income to average assets | 0.4205% | 3,047 |
| Noninterest expense to average assets | 2.5834% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0533% | 2,648 |
| Return on assets (ROA) | 1.0533% | 2,690 |
| Pretax return on assets | 1.3871% | 2,133 |
| Return on Equity (ROE) | 11.8011% | 1,610 |
| Retained earnings to average equity (ytd only) | 3.3024% | 3,596 |
| Net charge-offs to loans | 0.0299% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 885 |
| Efficiency ratio | 65.0655% | 3,074 |
| Assets per employee ($millions) | 5.1566% | 2,327 |
| Cash dividends to net income (ytd only)* | 72.0165% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,877 |
| Loan loss allowance to noncurrent loans | 325.3219% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 1,845 |
| Noncurrent loans to loans | 0.3523% | 3,318 |
| Net loans and leases to total assets | 70.4436% | 2,413 |
| Net loans and leases to deposits | 78.7771% | 2,973 |
| Net loans and leases to core deposits | 87.0349% | 2,775 |
| Total domestic deposits to total assets | 89.4213% | 682 |
| Equity capital to assets | 8.9443% | 4,721 |
| Core capital (leverage) ratio | 8.9209% | 4,703 |
| Tier 1 risk-based capital ratio | 11.9677% | 4,477 |
| Total risk-based capital ratio | 13.0694% | 4,457 |
| Memoranda: | ||
| Average total assets | $92,281,000 | 4,228 |
| Average earning assets | $84,229,000 | 4,249 |
| Average equity | $8,236,500 | 4,584 |
| Average total loans | $66,854,000 | 3,949 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 2,061 |
| Cost of funding earning assets | 0.6765% | 2,232 |
| Net interest margin | 3.9496% | 2,160 |
| Noninterest income to average assets | 0.4942% | 2,861 |
| Noninterest expense to average assets | 2.5854% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1440% | 2,416 |
| Return on assets (ROA) | 1.0705% | 2,700 |
| Pretax return on assets | 1.4196% | 2,072 |
| Return on Equity (ROE) | 12.1479% | 1,663 |
| Retained earnings to average equity (ytd only) | 4.4140% | 3,107 |
| Net charge-offs to loans | -0.0015% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0882% | 3,327 |
| Assets per employee ($millions) | 4.8286% | 2,700 |
| Cash dividends to net income (ytd only)* | 63.6646% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,931 |
| Loan loss allowance to noncurrent loans | 556.9343% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 1,516 |
| Noncurrent loans to loans | 0.2028% | 3,856 |
| Net loans and leases to total assets | 72.8143% | 2,127 |
| Net loans and leases to deposits | 81.3339% | 2,810 |
| Net loans and leases to core deposits | 87.4349% | 2,795 |
| Total domestic deposits to total assets | 89.5251% | 648 |
| Equity capital to assets | 8.9064% | 4,647 |
| Core capital (leverage) ratio | 8.9318% | 4,710 |
| Tier 1 risk-based capital ratio | 12.0754% | 4,379 |
| Total risk-based capital ratio | 13.2037% | 4,347 |
| Memoranda: | ||
| Average total assets | $90,238,800 | 4,266 |
| Average earning assets | $82,336,800 | 4,275 |
| Average equity | $7,952,000 | 4,614 |
| Average total loans | $66,102,200 | 3,964 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,095 |
| Cost of funding earning assets | 0.6367% | 2,233 |
| Net interest margin | 3.9258% | 2,213 |
| Noninterest income to average assets | 0.4510% | 3,163 |
| Noninterest expense to average assets | 2.5401% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1276% | 2,541 |
| Return on assets (ROA) | 1.1276% | 2,550 |
| Pretax return on assets | 1.4971% | 1,906 |
| Return on Equity (ROE) | 12.8312% | 1,491 |
| Retained earnings to average equity (ytd only) | 5.3182% | 3,048 |
| Net charge-offs to loans | 0.0061% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 336.3250% | 280 |
| Efficiency ratio | 62.9180% | 3,351 |
| Assets per employee ($millions) | 4.9967% | 2,467 |
| Cash dividends to net income (ytd only)* | 58.5527% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,917 |
| Loan loss allowance to noncurrent loans | 211.4206% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,587 |
| Noncurrent loans to loans | 0.5429% | 2,756 |
| Net loans and leases to total assets | 72.6732% | 2,217 |
| Net loans and leases to deposits | 81.1852% | 2,903 |
| Net loans and leases to core deposits | 86.3961% | 2,964 |
| Total domestic deposits to total assets | 89.5153% | 670 |
| Equity capital to assets | 8.8880% | 4,650 |
| Core capital (leverage) ratio | 9.0949% | 4,615 |
| Tier 1 risk-based capital ratio | 12.1625% | 4,400 |
| Total risk-based capital ratio | 13.2979% | 4,359 |
| Memoranda: | ||
| Average total assets | $89,862,750 | 4,312 |
| Average earning assets | $82,088,250 | 4,325 |
| Average equity | $7,897,250 | 4,670 |
| Average total loans | $65,736,500 | 4,005 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 2,137 |
| Cost of funding earning assets | 0.6167% | 2,126 |
| Net interest margin | 3.8684% | 2,319 |
| Noninterest income to average assets | 0.4608% | 3,088 |
| Noninterest expense to average assets | 2.5090% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1198% | 2,521 |
| Return on assets (ROA) | 1.1198% | 2,522 |
| Pretax return on assets | 1.4849% | 1,869 |
| Return on Equity (ROE) | 12.7908% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.5607% | 2,277 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8205% | 3,513 |
| Assets per employee ($millions) | 4.6827% | 2,836 |
| Cash dividends to net income (ytd only)* | 48.7078% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,911 |
| Loan loss allowance to noncurrent loans | 210.4972% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 1,603 |
| Noncurrent loans to loans | 0.5526% | 2,757 |
| Net loans and leases to total assets | 72.7709% | 2,156 |
| Net loans and leases to deposits | 81.3287% | 2,835 |
| Net loans and leases to core deposits | 86.5725% | 2,868 |
| Total domestic deposits to total assets | 89.4775% | 747 |
| Equity capital to assets | 8.9681% | 4,586 |
| Core capital (leverage) ratio | 8.9529% | 4,726 |
| Tier 1 risk-based capital ratio | 12.1007% | 4,441 |
| Total risk-based capital ratio | 13.2429% | 4,378 |
| Memoranda: | ||
| Average total assets | $89,836,670 | 4,352 |
| Average earning assets | $82,048,670 | 4,364 |
| Average equity | $7,865,000 | 4,718 |
| Average total loans | $65,608,000 | 4,030 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,287 |
| Cost of funding earning assets | 0.6030% | 2,042 |
| Net interest margin | 3.7690% | 2,551 |
| Noninterest income to average assets | 0.4919% | 2,855 |
| Noninterest expense to average assets | 2.6055% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0014% | 2,855 |
| Return on assets (ROA) | 1.0014% | 2,874 |
| Pretax return on assets | 1.3205% | 2,286 |
| Return on Equity (ROE) | 11.5779% | 1,731 |
| Retained earnings to average equity (ytd only) | 2.1004% | 4,321 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3657% | 3,098 |
| Assets per employee ($millions) | 4.8511% | 2,682 |
| Cash dividends to net income (ytd only)* | 81.8584% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,846 |
| Loan loss allowance to noncurrent loans | 25,400.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 2,793 |
| Noncurrent loans to loans | 0.0047% | 5,003 |
| Net loans and leases to total assets | 68.4670% | 2,703 |
| Net loans and leases to deposits | 76.1387% | 3,198 |
| Net loans and leases to core deposits | 80.5633% | 3,280 |
| Total domestic deposits to total assets | 89.9241% | 692 |
| Equity capital to assets | 8.4355% | 5,025 |
| Core capital (leverage) ratio | 8.8302% | 4,863 |
| Tier 1 risk-based capital ratio | 11.8902% | 4,612 |
| Total risk-based capital ratio | 13.0435% | 4,568 |
| Memoranda: | ||
| Average total assets | $90,269,500 | 4,392 |
| Average earning assets | $82,250,500 | 4,405 |
| Average equity | $7,808,000 | 4,778 |
| Average total loans | $65,658,500 | 4,066 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,319 |
| Cost of funding earning assets | 0.5943% | 1,631 |
| Net interest margin | 3.7088% | 2,767 |
| Noninterest income to average assets | 0.4786% | 3,136 |
| Noninterest expense to average assets | 2.6843% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7624% | 3,335 |
| Return on assets (ROA) | 0.7711% | 3,336 |
| Pretax return on assets | 1.2191% | 2,691 |
| Return on Equity (ROE) | 8.8502% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.6464% | 2,358 |
| Net charge-offs to loans | 0.0728% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 23.1087% | 1,822 |
| Efficiency ratio | 69.0087% | 2,699 |
| Assets per employee ($millions) | 4.6510% | 2,951 |
| Cash dividends to net income (ytd only)* | 47.5000% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 2,760 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 75.4642% | 1,684 |
| Net loans and leases to deposits | 85.3615% | 2,335 |
| Net loans and leases to core deposits | 90.9769% | 2,468 |
| Total domestic deposits to total assets | 88.4054% | 1,295 |
| Equity capital to assets | 8.8730% | 4,840 |
| Core capital (leverage) ratio | 8.8262% | 4,833 |
| Tier 1 risk-based capital ratio | 11.5407% | 4,822 |
| Total risk-based capital ratio | 12.6659% | 4,788 |
| Memoranda: | ||
| Average total assets | $88,180,800 | 4,457 |
| Average earning assets | $81,104,200 | 4,443 |
| Average equity | $7,683,400 | 4,827 |
| Average total loans | $63,208,200 | 4,122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,485 |
| Cost of funding earning assets | 0.5920% | 1,587 |
| Net interest margin | 3.6456% | 2,974 |
| Noninterest income to average assets | 0.4085% | 3,628 |
| Noninterest expense to average assets | 2.6716% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7530% | 3,722 |
| Return on assets (ROA) | 0.7655% | 3,719 |
| Pretax return on assets | 1.1089% | 3,269 |
| Return on Equity (ROE) | 8.8259% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,559 |
| Net charge-offs to loans | 0.0987% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.6744% | 2,212 |
| Efficiency ratio | 71.0092% | 2,364 |
| Assets per employee ($millions) | 4.4349% | 3,266 |
| Cash dividends to net income (ytd only)* | 54.9411% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,917 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.3350% | 2,352 |
| Net loans and leases to deposits | 79.5574% | 3,008 |
| Net loans and leases to core deposits | 84.9585% | 3,049 |
| Total domestic deposits to total assets | 89.6648% | 593 |
| Equity capital to assets | 8.7872% | 5,091 |
| Core capital (leverage) ratio | 8.8126% | 4,948 |
| Tier 1 risk-based capital ratio | 11.7832% | 4,783 |
| Total risk-based capital ratio | 12.9512% | 4,712 |
| Memoranda: | ||
| Average total assets | $88,133,750 | 4,502 |
| Average earning assets | $81,082,000 | 4,489 |
| Average equity | $7,644,000 | 4,882 |
| Average total loans | $62,148,000 | 4,184 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 2,614 |
| Cost of funding earning assets | 0.5828% | 1,559 |
| Net interest margin | 3.5809% | 3,107 |
| Noninterest income to average assets | 0.4184% | 3,575 |
| Noninterest expense to average assets | 2.7244% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6982% | 3,864 |
| Return on assets (ROA) | 0.6982% | 3,925 |
| Pretax return on assets | 0.9915% | 3,597 |
| Return on Equity (ROE) | 8.0853% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.4772% | 3,048 |
| Net charge-offs to loans | 0.1235% | 1,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.4737% | 2,276 |
| Efficiency ratio | 73.3170% | 2,125 |
| Assets per employee ($millions) | 4.8942% | 2,519 |
| Cash dividends to net income (ytd only)* | 44.6254% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,685 |
| Loan loss allowance to noncurrent loans | 167.3913% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0625% | 1,649 |
| Noncurrent loans to loans | 0.7472% | 2,533 |
| Net loans and leases to total assets | 69.0119% | 2,669 |
| Net loans and leases to deposits | 77.2523% | 3,191 |
| Net loans and leases to core deposits | 82.5505% | 3,207 |
| Total domestic deposits to total assets | 89.3331% | 794 |
| Equity capital to assets | 8.8189% | 5,055 |
| Core capital (leverage) ratio | 8.6845% | 5,055 |
| Tier 1 risk-based capital ratio | 12.0909% | 4,571 |
| Total risk-based capital ratio | 13.3114% | 4,471 |
| Memoranda: | ||
| Average total assets | $87,946,000 | 4,526 |
| Average earning assets | $80,985,000 | 4,516 |
| Average equity | $7,594,000 | 4,915 |
| Average total loans | $61,519,330 | 4,223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,562 |
| Cost of funding earning assets | 0.5710% | 1,571 |
| Net interest margin | 3.5553% | 3,060 |
| Noninterest income to average assets | 0.4416% | 3,366 |
| Noninterest expense to average assets | 2.9270% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5690% | 4,284 |
| Return on assets (ROA) | 0.5690% | 4,329 |
| Pretax return on assets | 0.7739% | 4,204 |
| Return on Equity (ROE) | 6.6609% | 3,574 |
| Retained earnings to average equity (ytd only) | -0.6394% | 5,020 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0898% | 1,477 |
| Assets per employee ($millions) | 4.9200% | 2,549 |
| Cash dividends to net income (ytd only)* | 109.6000% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,445 |
| Loan loss allowance to noncurrent loans | 176.0349% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 1,709 |
| Noncurrent loans to loans | 0.7488% | 2,621 |
| Net loans and leases to total assets | 68.3051% | 2,629 |
| Net loans and leases to deposits | 75.9527% | 3,201 |
| Net loans and leases to core deposits | 82.6165% | 3,026 |
| Total domestic deposits to total assets | 89.9311% | 695 |
| Equity capital to assets | 8.4914% | 5,246 |
| Core capital (leverage) ratio | 8.4738% | 5,244 |
| Tier 1 risk-based capital ratio | 11.8684% | 4,797 |
| Total risk-based capital ratio | 13.1196% | 4,706 |
| Memoranda: | ||
| Average total assets | $87,871,500 | 4,570 |
| Average earning assets | $80,556,500 | 4,572 |
| Average equity | $7,506,500 | 4,971 |
| Average total loans | $61,496,000 | 4,258 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 1,895 |
| Cost of funding earning assets | 0.5622% | 1,592 |
| Net interest margin | 3.8134% | 2,266 |
| Noninterest income to average assets | 0.4997% | 3,238 |
| Noninterest expense to average assets | 2.7704% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8277% | 3,173 |
| Return on assets (ROA) | 0.8530% | 3,164 |
| Pretax return on assets | 1.2504% | 2,471 |
| Return on Equity (ROE) | 9.7459% | 2,082 |
| Retained earnings to average equity (ytd only) | 4.2754% | 2,862 |
| Net charge-offs to loans | 0.0261% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 65.2500% | 837 |
| Efficiency ratio | 69.5449% | 2,986 |
| Assets per employee ($millions) | 4.5886% | 2,985 |
| Cash dividends to net income (ytd only)* | 56.1308% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 2,493 |
| Loan loss allowance to noncurrent loans | 279.5848% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 2,155 |
| Noncurrent loans to loans | 0.4684% | 3,472 |
| Net loans and leases to total assets | 69.8359% | 2,506 |
| Net loans and leases to deposits | 77.6684% | 3,141 |
| Net loans and leases to core deposits | 83.3516% | 3,090 |
| Total domestic deposits to total assets | 89.9155% | 673 |
| Equity capital to assets | 8.5946% | 5,195 |
| Core capital (leverage) ratio | 8.4944% | 5,264 |
| Tier 1 risk-based capital ratio | 11.3885% | 5,121 |
| Total risk-based capital ratio | 12.6228% | 5,030 |
| Memoranda: | ||
| Average total assets | $86,053,800 | 4,617 |
| Average earning assets | $78,617,800 | 4,614 |
| Average equity | $7,531,400 | 5,001 |
| Average total loans | $61,363,400 | 4,249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 1,873 |
| Cost of funding earning assets | 0.5596% | 1,612 |
| Net interest margin | 3.8352% | 2,210 |
| Noninterest income to average assets | 0.4555% | 3,521 |
| Noninterest expense to average assets | 2.7266% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8441% | 3,182 |
| Return on assets (ROA) | 0.8441% | 3,295 |
| Pretax return on assets | 1.2343% | 2,686 |
| Return on Equity (ROE) | 9.6006% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.9074% | 3,521 |
| Net charge-offs to loans | 0.0305% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 56.7027% | 998 |
| Efficiency ratio | 68.8383% | 3,071 |
| Assets per employee ($millions) | 4.0511% | 3,871 |
| Cash dividends to net income (ytd only)* | 59.3000% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,700 |
| Loan loss allowance to noncurrent loans | 415.3846% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 2,574 |
| Noncurrent loans to loans | 0.3125% | 4,135 |
| Net loans and leases to total assets | 72.3911% | 2,129 |
| Net loans and leases to deposits | 80.9330% | 2,860 |
| Net loans and leases to core deposits | 87.0338% | 2,841 |
| Total domestic deposits to total assets | 89.4457% | 702 |
| Equity capital to assets | 8.9616% | 5,210 |
| Core capital (leverage) ratio | 8.5190% | 5,349 |
| Tier 1 risk-based capital ratio | 11.2244% | 5,245 |
| Total risk-based capital ratio | 12.4611% | 5,153 |
| Memoranda: | ||
| Average total assets | $85,771,500 | 4,652 |
| Average earning assets | $78,393,750 | 4,652 |
| Average equity | $7,541,000 | 5,056 |
| Average total loans | $61,281,000 | 4,281 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,857 |
| Cost of funding earning assets | 0.5560% | 1,652 |
| Net interest margin | 3.8335% | 2,198 |
| Noninterest income to average assets | 0.4488% | 3,536 |
| Noninterest expense to average assets | 2.6394% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8860% | 2,931 |
| Return on assets (ROA) | 0.8860% | 3,053 |
| Pretax return on assets | 1.3046% | 2,387 |
| Return on Equity (ROE) | 10.1420% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,038 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9222% | 3,551 |
| Assets per employee ($millions) | 4.0370% | 3,834 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,512 |
| Loan loss allowance to noncurrent loans | 223.3062% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 2,056 |
| Noncurrent loans to loans | 0.6060% | 3,252 |
| Net loans and leases to total assets | 70.8474% | 2,344 |
| Net loans and leases to deposits | 79.3047% | 3,020 |
| Net loans and leases to core deposits | 85.2925% | 2,961 |
| Total domestic deposits to total assets | 89.3357% | 749 |
| Equity capital to assets | 9.0130% | 5,226 |
| Core capital (leverage) ratio | 8.6423% | 5,223 |
| Tier 1 risk-based capital ratio | 11.3688% | 5,236 |
| Total risk-based capital ratio | 12.6186% | 5,134 |
| Memoranda: | ||
| Average total assets | $86,004,000 | 4,692 |
| Average earning assets | $78,414,670 | 4,691 |
| Average equity | $7,513,330 | 5,105 |
| Average total loans | $60,909,330 | 4,318 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 1,913 |
| Cost of funding earning assets | 0.5511% | 1,699 |
| Net interest margin | 3.8122% | 2,251 |
| Noninterest income to average assets | 0.4618% | 3,404 |
| Noninterest expense to average assets | 2.6507% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8774% | 2,864 |
| Return on assets (ROA) | 0.8774% | 2,977 |
| Pretax return on assets | 1.2930% | 2,338 |
| Return on Equity (ROE) | 10.2020% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.2020% | 808 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2131% | 3,595 |
| Assets per employee ($millions) | 4.2777% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 2,634 |
| Loan loss allowance to noncurrent loans | 190.3002% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1022% | 2,008 |
| Noncurrent loans to loans | 0.7117% | 3,064 |
| Net loans and leases to total assets | 70.1487% | 2,318 |
| Net loans and leases to deposits | 78.3056% | 2,970 |
| Net loans and leases to core deposits | 84.4295% | 2,895 |
| Total domestic deposits to total assets | 89.5832% | 794 |
| Equity capital to assets | 8.8470% | 5,300 |
| Core capital (leverage) ratio | 8.4844% | 5,401 |
| Tier 1 risk-based capital ratio | 11.3373% | 5,320 |
| Total risk-based capital ratio | 12.5884% | 5,224 |
| Memoranda: | ||
| Average total assets | $86,617,000 | 4,720 |
| Average earning assets | $79,115,000 | 4,727 |
| Average equity | $7,449,500 | 5,146 |
| Average total loans | $60,920,500 | 4,346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 1,929 |
| Cost of funding earning assets | 0.5536% | 1,733 |
| Net interest margin | 3.8379% | 2,244 |
| Noninterest income to average assets | 0.4741% | 3,505 |
| Noninterest expense to average assets | 2.7141% | 3,532 |
| Loan and lease loss provision to assets | 0.7227% | 138 |
| Net operating income to assets | 0.4163% | 5,000 |
| Return on assets (ROA) | 0.4163% | 5,083 |
| Pretax return on assets | 0.5169% | 5,075 |
| Return on Equity (ROE) | 4.9716% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.4500% | 4,902 |
| Net charge-offs to loans | 0.2907% | 1,050 |
| Credit loss provision to net charge-offs | 355.1136% | 841 |
| Earnings coverage of net charge-offs (x) | 6.0909% | 3,278 |
| Efficiency ratio | 68.6458% | 3,458 |
| Assets per employee ($millions) | 4.3840% | 3,245 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,664 |
| Loan loss allowance to noncurrent loans | 340.4959% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 2,522 |
| Noncurrent loans to loans | 0.3967% | 4,033 |
| Net loans and leases to total assets | 68.6337% | 2,604 |
| Net loans and leases to deposits | 76.1188% | 3,233 |
| Net loans and leases to core deposits | 80.8877% | 3,251 |
| Total domestic deposits to total assets | 90.1665% | 562 |
| Equity capital to assets | 8.3599% | 5,658 |
| Core capital (leverage) ratio | 8.2199% | 5,678 |
| Tier 1 risk-based capital ratio | 10.9478% | 5,549 |
| Total risk-based capital ratio | 12.1982% | 5,456 |
| Memoranda: | ||
| Average total assets | $86,475,800 | 4,737 |
| Average earning assets | $78,403,000 | 4,754 |
| Average equity | $7,241,200 | 5,204 |
| Average total loans | $60,546,200 | 4,366 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 1,848 |
| Cost of funding earning assets | 0.5569% | 1,746 |
| Net interest margin | 3.8643% | 2,144 |
| Noninterest income to average assets | 0.4425% | 3,773 |
| Noninterest expense to average assets | 2.6395% | 3,750 |
| Loan and lease loss provision to assets | 0.9670% | 69 |
| Net operating income to assets | 0.2476% | 5,582 |
| Return on assets (ROA) | 0.2476% | 5,657 |
| Pretax return on assets | 0.3357% | 5,584 |
| Return on Equity (ROE) | 2.9551% | 5,403 |
| Retained earnings to average equity (ytd only) | -0.9235% | 5,751 |
| Net charge-offs to loans | 0.3883% | 665 |
| Credit loss provision to net charge-offs | 355.1136% | 829 |
| Earnings coverage of net charge-offs (x) | 4.7841% | 3,299 |
| Efficiency ratio | 66.9545% | 3,721 |
| Assets per employee ($millions) | 4.2298% | 3,459 |
| Cash dividends to net income (ytd only)* | 131.2474% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,696 |
| Loan loss allowance to noncurrent loans | 152.3105% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 2,283 |
| Noncurrent loans to loans | 0.9061% | 2,711 |
| Net loans and leases to total assets | 69.6049% | 2,450 |
| Net loans and leases to deposits | 77.3179% | 3,164 |
| Net loans and leases to core deposits | 82.7834% | 3,170 |
| Total domestic deposits to total assets | 90.0244% | 557 |
| Equity capital to assets | 8.4685% | 5,725 |
| Core capital (leverage) ratio | 8.1614% | 5,807 |
| Tier 1 risk-based capital ratio | 10.9589% | 5,675 |
| Total risk-based capital ratio | 12.2089% | 5,584 |
| Memoranda: | ||
| Average total assets | $86,174,750 | 4,801 |
| Average earning assets | $78,045,750 | 4,818 |
| Average equity | $7,219,000 | 5,277 |
| Average total loans | $60,432,250 | 4,417 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 1,750 |
| Cost of funding earning assets | 0.5512% | 1,804 |
| Net interest margin | 3.8786% | 2,052 |
| Noninterest income to average assets | 0.4383% | 3,787 |
| Noninterest expense to average assets | 2.6782% | 3,662 |
| Loan and lease loss provision to assets | 0.5767% | 160 |
| Net operating income to assets | 0.4960% | 4,785 |
| Return on assets (ROA) | 0.4960% | 4,891 |
| Pretax return on assets | 0.6736% | 4,741 |
| Return on Equity (ROE) | 5.9414% | 4,154 |
| Retained earnings to average equity (ytd only) | 0.1382% | 5,460 |
| Net charge-offs to loans | 0.0363% | 2,953 |
| Credit loss provision to net charge-offs | 2,272.7273% | 176 |
| Earnings coverage of net charge-offs (x) | 49.2727% | 970 |
| Efficiency ratio | 68.1738% | 3,646 |
| Assets per employee ($millions) | 4.5122% | 2,967 |
| Cash dividends to net income (ytd only)* | 97.6744% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,665 |
| Loan loss allowance to noncurrent loans | 165.9459% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 2,918 |
| Noncurrent loans to loans | 0.6261% | 3,594 |
| Net loans and leases to total assets | 68.2137% | 2,612 |
| Net loans and leases to deposits | 75.6360% | 3,308 |
| Net loans and leases to core deposits | 81.4941% | 3,237 |
| Total domestic deposits to total assets | 90.1869% | 585 |
| Equity capital to assets | 8.3808% | 5,773 |
| Core capital (leverage) ratio | 8.2324% | 5,764 |
| Tier 1 risk-based capital ratio | 11.1053% | 5,660 |
| Total risk-based capital ratio | 12.0761% | 5,728 |
| Memoranda: | ||
| Average total assets | $86,701,000 | 4,840 |
| Average earning assets | $78,018,670 | 4,870 |
| Average equity | $7,237,330 | 5,310 |
| Average total loans | $60,674,000 | 4,442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 1,487 |
| Cost of funding earning assets | 0.5558% | 1,794 |
| Net interest margin | 3.9370% | 1,762 |
| Noninterest income to average assets | 0.4221% | 3,827 |
| Noninterest expense to average assets | 2.8583% | 3,037 |
| Loan and lease loss provision to assets | 1.1470% | 65 |
| Net operating income to assets | 0.1147% | 5,847 |
| Return on assets (ROA) | 0.1147% | 5,908 |
| Pretax return on assets | -0.0734% | 6,100 |
| Return on Equity (ROE) | 1.3767% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.3767% | 4,937 |
| Net charge-offs to loans | -0.0065% | 4,570 |
| Credit loss provision to net charge-offs | -25,000.0000% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6954% | 3,055 |
| Assets per employee ($millions) | 4.5989% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,890 |
| Loan loss allowance to noncurrent loans | 209.3645% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,325 |
| Noncurrent loans to loans | 0.4901% | 4,108 |
| Net loans and leases to total assets | 69.1036% | 2,265 |
| Net loans and leases to deposits | 76.6931% | 2,969 |
| Net loans and leases to core deposits | 82.1703% | 2,951 |
| Total domestic deposits to total assets | 90.1040% | 700 |
| Equity capital to assets | 8.3521% | 5,836 |
| Core capital (leverage) ratio | 8.1281% | 5,865 |
| Tier 1 risk-based capital ratio | 10.8124% | 5,894 |
| Total risk-based capital ratio | 11.7736% | 5,947 |
| Memoranda: | ||
| Average total assets | $87,185,500 | 4,877 |
| Average earning assets | $77,725,000 | 4,925 |
| Average equity | $7,263,500 | 5,350 |
| Average total loans | $61,463,500 | 4,453 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,643 |
| Cost of funding earning assets | 0.5716% | 2,031 |
| Net interest margin | 3.9971% | 1,904 |
| Noninterest income to average assets | 0.4176% | 4,053 |
| Noninterest expense to average assets | 2.7260% | 3,765 |
| Loan and lease loss provision to assets | 0.0598% | 3,331 |
| Net operating income to assets | 0.8542% | 3,097 |
| Return on assets (ROA) | 0.8951% | 2,988 |
| Pretax return on assets | 1.3414% | 2,102 |
| Return on Equity (ROE) | 10.6955% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.7901% | 2,767 |
| Net charge-offs to loans | -0.0085% | 5,531 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0394% | 4,052 |
| Assets per employee ($millions) | 4.5785% | 2,907 |
| Cash dividends to net income (ytd only)* | 55.2139% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 6,136 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,490 |
| Noncurrent loans to loans | 0.3634% | 4,563 |
| Net loans and leases to total assets | 70.7467% | 2,119 |
| Net loans and leases to deposits | 78.4410% | 2,918 |
| Net loans and leases to core deposits | 83.6321% | 2,938 |
| Total domestic deposits to total assets | 90.1911% | 653 |
| Equity capital to assets | 8.3100% | 5,888 |
| Core capital (leverage) ratio | 8.0414% | 5,977 |
| Tier 1 risk-based capital ratio | 10.6778% | 6,032 |
| Total risk-based capital ratio | 11.2502% | 6,208 |
| Memoranda: | ||
| Average total assets | $83,566,600 | 4,970 |
| Average earning assets | $76,280,400 | 4,980 |
| Average equity | $6,993,600 | 5,415 |
| Average total loans | $58,942,800 | 4,521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 1,734 |
| Cost of funding earning assets | 0.5779% | 2,035 |
| Net interest margin | 3.9623% | 1,990 |
| Noninterest income to average assets | 0.3901% | 4,322 |
| Noninterest expense to average assets | 2.6888% | 3,861 |
| Loan and lease loss provision to assets | 0.0403% | 3,605 |
| Net operating income to assets | 0.8573% | 3,140 |
| Return on assets (ROA) | 0.9124% | 2,952 |
| Pretax return on assets | 1.3686% | 2,121 |
| Return on Equity (ROE) | 10.8822% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.5564% | 2,705 |
| Net charge-offs to loans | -0.0115% | 5,460 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9611% | 4,053 |
| Assets per employee ($millions) | 4.1539% | 3,559 |
| Cash dividends to net income (ytd only)* | 48.9392% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 6,251 |
| Loan loss allowance to noncurrent loans | 156.9507% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 3,637 |
| Noncurrent loans to loans | 0.3706% | 4,800 |
| Net loans and leases to total assets | 72.0094% | 1,851 |
| Net loans and leases to deposits | 80.2414% | 2,657 |
| Net loans and leases to core deposits | 85.1636% | 2,758 |
| Total domestic deposits to total assets | 89.7410% | 851 |
| Equity capital to assets | 8.6028% | 5,724 |
| Core capital (leverage) ratio | 8.5024% | 5,655 |
| Tier 1 risk-based capital ratio | 10.9503% | 6,017 |
| Total risk-based capital ratio | 11.5027% | 6,249 |
| Memoranda: | ||
| Average total assets | $82,710,250 | 5,052 |
| Average earning assets | $75,677,500 | 5,048 |
| Average equity | $6,934,750 | 5,479 |
| Average total loans | $58,198,750 | 4,582 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,791 |
| Cost of funding earning assets | 0.5793% | 2,074 |
| Net interest margin | 3.9335% | 2,033 |
| Noninterest income to average assets | 0.3899% | 4,313 |
| Noninterest expense to average assets | 2.7195% | 3,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8460% | 3,091 |
| Return on assets (ROA) | 0.9275% | 2,775 |
| Pretax return on assets | 1.3949% | 1,906 |
| Return on Equity (ROE) | 11.1597% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.6037% | 3,231 |
| Net charge-offs to loans | -0.0139% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1432% | 3,980 |
| Assets per employee ($millions) | 4.2523% | 3,363 |
| Cash dividends to net income (ytd only)* | 58.7467% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 6,351 |
| Loan loss allowance to noncurrent loans | 187.2832% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 3,943 |
| Noncurrent loans to loans | 0.3024% | 5,104 |
| Net loans and leases to total assets | 70.4034% | 2,017 |
| Net loans and leases to deposits | 78.4079% | 2,744 |
| Net loans and leases to core deposits | 83.0113% | 2,852 |
| Total domestic deposits to total assets | 89.7912% | 912 |
| Equity capital to assets | 8.6542% | 5,659 |
| Core capital (leverage) ratio | 8.2567% | 5,884 |
| Tier 1 risk-based capital ratio | 11.1286% | 5,998 |
| Total risk-based capital ratio | 11.6585% | 6,230 |
| Memoranda: | ||
| Average total assets | $82,587,670 | 5,091 |
| Average earning assets | $75,607,330 | 5,086 |
| Average equity | $6,864,000 | 5,521 |
| Average total loans | $57,540,330 | 4,637 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,784 |
| Cost of funding earning assets | 0.5804% | 2,155 |
| Net interest margin | 3.9310% | 1,976 |
| Noninterest income to average assets | 0.3737% | 4,398 |
| Noninterest expense to average assets | 2.8221% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7570% | 3,371 |
| Return on assets (ROA) | 0.7570% | 3,461 |
| Pretax return on assets | 1.1212% | 2,809 |
| Return on Equity (ROE) | 9.2941% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.2941% | 1,163 |
| Net charge-offs to loans | -0.0277% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5674% | 3,569 |
| Assets per employee ($millions) | 4.4095% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5787% | 6,435 |
| Loan loss allowance to noncurrent loans | 181.0056% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 4,182 |
| Noncurrent loans to loans | 0.3197% | 5,149 |
| Net loans and leases to total assets | 66.4443% | 2,491 |
| Net loans and leases to deposits | 73.5830% | 3,119 |
| Net loans and leases to core deposits | 77.7114% | 3,229 |
| Total domestic deposits to total assets | 90.2984% | 917 |
| Equity capital to assets | 8.2633% | 5,853 |
| Core capital (leverage) ratio | 8.0274% | 6,096 |
| Tier 1 risk-based capital ratio | 11.1532% | 6,094 |
| Total risk-based capital ratio | 11.6846% | 6,311 |
| Memoranda: | ||
| Average total assets | $83,485,000 | 5,118 |
| Average earning assets | $75,808,500 | 5,122 |
| Average equity | $6,800,000 | 5,566 |
| Average total loans | $57,708,000 | 4,665 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,888 |
| Cost of funding earning assets | 0.6366% | 2,328 |
| Net interest margin | 3.9603% | 2,065 |
| Noninterest income to average assets | 0.4830% | 3,868 |
| Noninterest expense to average assets | 2.6529% | 4,270 |
| Loan and lease loss provision to assets | 0.0362% | 4,396 |
| Net operating income to assets | 0.8936% | 2,815 |
| Return on assets (ROA) | 0.8936% | 2,905 |
| Pretax return on assets | 1.3922% | 1,811 |
| Return on Equity (ROE) | 11.0749% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.1184% | 2,512 |
| Net charge-offs to loans | 0.0501% | 4,520 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 902 |
| Efficiency ratio | 65.0000% | 4,732 |
| Assets per employee ($millions) | 4.3784% | 3,125 |
| Cash dividends to net income (ytd only)* | 53.7838% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 6,540 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 4,542 |
| Noncurrent loans to loans | 0.1750% | 5,678 |
| Net loans and leases to total assets | 71.0482% | 1,829 |
| Net loans and leases to deposits | 78.4208% | 2,674 |
| Net loans and leases to core deposits | 82.2422% | 2,869 |
| Total domestic deposits to total assets | 90.5986% | 748 |
| Equity capital to assets | 8.0262% | 5,997 |
| Core capital (leverage) ratio | 7.9660% | 6,159 |
| Tier 1 risk-based capital ratio | 10.4623% | 6,377 |
| Total risk-based capital ratio | 10.9668% | 6,549 |
| Memoranda: | ||
| Average total assets | $82,815,600 | 5,172 |
| Average earning assets | $75,247,600 | 5,171 |
| Average equity | $6,681,800 | 5,650 |
| Average total loans | $55,875,800 | 4,753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 2,068 |
| Cost of funding earning assets | 0.6403% | 2,452 |
| Net interest margin | 3.9018% | 2,265 |
| Noninterest income to average assets | 0.4368% | 4,250 |
| Noninterest expense to average assets | 2.5369% | 4,591 |
| Loan and lease loss provision to assets | 0.0484% | 4,046 |
| Net operating income to assets | 0.9139% | 2,762 |
| Return on assets (ROA) | 0.9139% | 2,868 |
| Pretax return on assets | 1.4071% | 1,909 |
| Return on Equity (ROE) | 11.3120% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.8231% | 1,962 |
| Net charge-offs to loans | 0.0703% | 3,925 |
| Credit loss provision to net charge-offs | 103.4483% | 2,266 |
| Earnings coverage of net charge-offs (x) | 31.1345% | 1,205 |
| Efficiency ratio | 63.5446% | 4,881 |
| Assets per employee ($millions) | 4.5178% | 2,856 |
| Cash dividends to net income (ytd only)* | 39.6823% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 6,604 |
| Loan loss allowance to noncurrent loans | 559.6491% | 806 |
| Noncurrent assets plus other real estate owned to assets | 1.3465% | 2,947 |
| Noncurrent loans to loans | 0.1010% | 6,027 |
| Net loans and leases to total assets | 69.0052% | 2,144 |
| Net loans and leases to deposits | 76.3127% | 2,916 |
| Net loans and leases to core deposits | 80.9997% | 3,003 |
| Total domestic deposits to total assets | 90.4242% | 775 |
| Equity capital to assets | 8.2182% | 5,987 |
| Core capital (leverage) ratio | 8.1189% | 6,136 |
| Tier 1 risk-based capital ratio | 10.0457% | 6,591 |
| Total risk-based capital ratio | 10.5289% | 6,689 |
| Memoranda: | ||
| Average total assets | $82,722,000 | 5,225 |
| Average earning assets | $75,381,750 | 5,215 |
| Average equity | $6,683,000 | 5,721 |
| Average total loans | $54,988,500 | 4,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,196 |
| Cost of funding earning assets | 0.6450% | 2,541 |
| Net interest margin | 3.8568% | 2,350 |
| Noninterest income to average assets | 0.4472% | 4,184 |
| Noninterest expense to average assets | 2.5532% | 4,555 |
| Loan and lease loss provision to assets | 0.0361% | 4,225 |
| Net operating income to assets | 0.8992% | 2,805 |
| Return on assets (ROA) | 0.8992% | 2,948 |
| Pretax return on assets | 1.3800% | 2,002 |
| Return on Equity (ROE) | 11.1926% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.2547% | 2,295 |
| Net charge-offs to loans | 0.0147% | 4,554 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 336 |
| Efficiency ratio | 64.3247% | 4,823 |
| Assets per employee ($millions) | 4.2895% | 3,193 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 6,591 |
| Loan loss allowance to noncurrent loans | 288.5965% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 2,665 |
| Noncurrent loans to loans | 0.2137% | 5,766 |
| Net loans and leases to total assets | 65.0368% | 2,751 |
| Net loans and leases to deposits | 71.8439% | 3,472 |
| Net loans and leases to core deposits | 76.2289% | 3,521 |
| Total domestic deposits to total assets | 90.5252% | 745 |
| Equity capital to assets | 8.0969% | 6,136 |
| Core capital (leverage) ratio | 7.8197% | 6,292 |
| Tier 1 risk-based capital ratio | 10.9466% | 6,360 |
| Total risk-based capital ratio | 11.5013% | 6,549 |
| Memoranda: | ||
| Average total assets | $83,189,330 | 5,243 |
| Average earning assets | $75,969,000 | 5,226 |
| Average equity | $6,683,000 | 5,766 |
| Average total loans | $54,506,670 | 4,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 2,220 |
| Cost of funding earning assets | 0.6504% | 2,654 |
| Net interest margin | 3.8345% | 2,335 |
| Noninterest income to average assets | 0.5046% | 3,743 |
| Noninterest expense to average assets | 2.4371% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0186% | 2,150 |
| Return on assets (ROA) | 1.0186% | 2,270 |
| Pretax return on assets | 1.5756% | 1,363 |
| Return on Equity (ROE) | 12.7286% | 1,234 |
| Retained earnings to average equity (ytd only) | 12.7286% | 589 |
| Net charge-offs to loans | 0.0363% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 66.2000% | 544 |
| Efficiency ratio | 60.7355% | 5,484 |
| Assets per employee ($millions) | 4.2233% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 6,739 |
| Loan loss allowance to noncurrent loans | 665.9574% | 674 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 3,747 |
| Noncurrent loans to loans | 0.0855% | 6,225 |
| Net loans and leases to total assets | 64.7018% | 2,584 |
| Net loans and leases to deposits | 71.6124% | 3,233 |
| Net loans and leases to core deposits | 75.2509% | 3,427 |
| Total domestic deposits to total assets | 90.3500% | 850 |
| Equity capital to assets | 8.0683% | 6,342 |
| Core capital (leverage) ratio | 7.6396% | 6,395 |
| Tier 1 risk-based capital ratio | 10.7176% | 6,516 |
| Total risk-based capital ratio | 11.2341% | 6,686 |
| Memoranda: | ||
| Average total assets | $84,034,000 | 5,268 |
| Average earning assets | $76,880,000 | 5,240 |
| Average equity | $6,725,000 | 5,808 |
| Average total loans | $55,093,000 | 4,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 2,224 |
| Cost of funding earning assets | 0.8225% | 2,485 |
| Net interest margin | 3.9707% | 2,521 |
| Noninterest income to average assets | 0.5004% | 3,897 |
| Noninterest expense to average assets | 2.6903% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9277% | 2,664 |
| Return on assets (ROA) | 0.9277% | 2,911 |
| Pretax return on assets | 1.4219% | 1,958 |
| Return on Equity (ROE) | 11.2978% | 1,712 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,692 |
| Net charge-offs to loans | -0.0019% | 6,327 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4217% | 4,621 |
| Assets per employee ($millions) | 4.1801% | 3,592 |
| Cash dividends to net income (ytd only)* | 68.3578% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5759% | 6,789 |
| Loan loss allowance to noncurrent loans | 302.8571% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 3,721 |
| Noncurrent loans to loans | 0.1901% | 5,992 |
| Net loans and leases to total assets | 65.6731% | 2,580 |
| Net loans and leases to deposits | 72.5159% | 3,322 |
| Net loans and leases to core deposits | 76.2301% | 3,499 |
| Total domestic deposits to total assets | 90.5636% | 674 |
| Equity capital to assets | 7.9364% | 6,436 |
| Core capital (leverage) ratio | 7.5169% | 6,497 |
| Tier 1 risk-based capital ratio | 10.4130% | 6,585 |
| Total risk-based capital ratio | 10.9406% | 6,751 |
| Memoranda: | ||
| Average total assets | $80,735,000 | 5,334 |
| Average earning assets | $73,437,400 | 5,328 |
| Average equity | $6,629,600 | 5,864 |
| Average total loans | $53,508,600 | 4,963 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 2,227 |
| Cost of funding earning assets | 0.8639% | 2,437 |
| Net interest margin | 3.9784% | 2,583 |
| Noninterest income to average assets | 0.4799% | 4,066 |
| Noninterest expense to average assets | 2.6293% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9564% | 2,717 |
| Return on assets (ROA) | 0.9564% | 2,937 |
| Pretax return on assets | 1.4646% | 2,021 |
| Return on Equity (ROE) | 11.5462% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.7244% | 1,740 |
| Net charge-offs to loans | -0.0126% | 6,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2247% | 4,774 |
| Assets per employee ($millions) | 4.1155% | 3,654 |
| Cash dividends to net income (ytd only)* | 33.1016% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 6,869 |
| Loan loss allowance to noncurrent loans | 473.5294% | 808 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 4,010 |
| Noncurrent loans to loans | 0.1262% | 6,292 |
| Net loans and leases to total assets | 65.0561% | 2,826 |
| Net loans and leases to deposits | 72.2388% | 3,572 |
| Net loans and leases to core deposits | 76.0190% | 3,725 |
| Total domestic deposits to total assets | 90.0570% | 820 |
| Equity capital to assets | 8.3551% | 6,380 |
| Core capital (leverage) ratio | 8.0178% | 6,314 |
| Tier 1 risk-based capital ratio | 10.8534% | 6,540 |
| Total risk-based capital ratio | 11.3978% | 6,740 |
| Memoranda: | ||
| Average total assets | $80,018,250 | 5,399 |
| Average earning assets | $72,690,000 | 5,410 |
| Average equity | $6,628,250 | 5,928 |
| Average total loans | $53,080,250 | 5,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 2,394 |
| Cost of funding earning assets | 0.8982% | 2,411 |
| Net interest margin | 3.9299% | 2,795 |
| Noninterest income to average assets | 0.4719% | 4,119 |
| Noninterest expense to average assets | 2.7077% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8908% | 2,956 |
| Return on assets (ROA) | 0.8908% | 3,216 |
| Pretax return on assets | 1.3526% | 2,383 |
| Return on Equity (ROE) | 10.7863% | 2,062 |
| Retained earnings to average equity (ytd only) | 6.2029% | 2,568 |
| Net charge-offs to loans | -0.0076% | 6,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6874% | 4,384 |
| Assets per employee ($millions) | 4.0011% | 3,870 |
| Cash dividends to net income (ytd only)* | 42.4929% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,924 |
| Loan loss allowance to noncurrent loans | 37.7069% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 3,908 |
| Noncurrent loans to loans | 1.6115% | 3,491 |
| Net loans and leases to total assets | 65.2046% | 2,812 |
| Net loans and leases to deposits | 72.3689% | 3,558 |
| Net loans and leases to core deposits | 76.2558% | 3,742 |
| Total domestic deposits to total assets | 90.1002% | 870 |
| Equity capital to assets | 8.3127% | 6,372 |
| Core capital (leverage) ratio | 7.7573% | 6,478 |
| Tier 1 risk-based capital ratio | 10.8048% | 6,579 |
| Total risk-based capital ratio | 11.3579% | 6,781 |
| Memoranda: | ||
| Average total assets | $79,254,670 | 5,457 |
| Average earning assets | $72,368,330 | 5,447 |
| Average equity | $6,545,330 | 5,970 |
| Average total loans | $52,817,330 | 5,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 2,267 |
| Cost of funding earning assets | 0.9210% | 2,510 |
| Net interest margin | 3.9724% | 2,620 |
| Noninterest income to average assets | 0.5021% | 3,897 |
| Noninterest expense to average assets | 2.8959% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8115% | 3,326 |
| Return on assets (ROA) | 0.8115% | 3,562 |
| Pretax return on assets | 1.2375% | 2,775 |
| Return on Equity (ROE) | 9.8583% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.8583% | 1,302 |
| Net charge-offs to loans | -0.0227% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0613% | 3,794 |
| Assets per employee ($millions) | 3.9733% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 6,969 |
| Loan loss allowance to noncurrent loans | 39.5550% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 4,098 |
| Noncurrent loans to loans | 1.5589% | 3,772 |
| Net loans and leases to total assets | 64.9032% | 2,668 |
| Net loans and leases to deposits | 72.0386% | 3,431 |
| Net loans and leases to core deposits | 75.9308% | 3,628 |
| Total domestic deposits to total assets | 90.0951% | 1,033 |
| Equity capital to assets | 8.2715% | 6,290 |
| Core capital (leverage) ratio | 7.8465% | 6,377 |
| Tier 1 risk-based capital ratio | 10.2903% | 6,798 |
| Total risk-based capital ratio | 10.8226% | 6,948 |
| Memoranda: | ||
| Average total assets | $78,871,000 | 5,517 |
| Average earning assets | $72,097,000 | 5,493 |
| Average equity | $6,492,000 | 6,013 |
| Average total loans | $52,977,500 | 5,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 1,840 |
| Cost of funding earning assets | 1.0857% | 2,762 |
| Net interest margin | 4.1724% | 2,147 |
| Noninterest income to average assets | 0.4210% | 4,436 |
| Noninterest expense to average assets | 2.7170% | 4,681 |
| Loan and lease loss provision to assets | 0.0780% | 5,638 |
| Net operating income to assets | 0.9654% | 2,340 |
| Return on assets (ROA) | 0.9654% | 2,470 |
| Pretax return on assets | 1.4410% | 1,653 |
| Return on Equity (ROE) | 11.8576% | 1,448 |
| Retained earnings to average equity (ytd only) | 4.0057% | 3,342 |
| Net charge-offs to loans | 0.0384% | 5,926 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 58.4500% | 490 |
| Efficiency ratio | 64.1411% | 5,101 |
| Assets per employee ($millions) | 3.9138% | 4,044 |
| Cash dividends to net income (ytd only)* | 66.2180% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 7,026 |
| Loan loss allowance to noncurrent loans | 37.0760% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 3,414 |
| Noncurrent loans to loans | 1.5816% | 3,792 |
| Net loans and leases to total assets | 68.6571% | 2,277 |
| Net loans and leases to deposits | 76.2741% | 3,139 |
| Net loans and leases to core deposits | 80.4641% | 3,392 |
| Total domestic deposits to total assets | 90.0135% | 988 |
| Equity capital to assets | 8.1902% | 6,442 |
| Core capital (leverage) ratio | 7.6738% | 6,552 |
| Tier 1 risk-based capital ratio | 10.4496% | 6,707 |
| Total risk-based capital ratio | 10.9998% | 6,904 |
| Memoranda: | ||
| Average total assets | $76,959,800 | 5,537 |
| Average earning assets | $70,366,600 | 5,527 |
| Average equity | $6,266,000 | 6,085 |
| Average total loans | $52,073,000 | 5,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 1,813 |
| Cost of funding earning assets | 1.1147% | 2,884 |
| Net interest margin | 4.1962% | 2,115 |
| Noninterest income to average assets | 0.3932% | 4,716 |
| Noninterest expense to average assets | 2.5263% | 5,370 |
| Loan and lease loss provision to assets | 0.0783% | 5,463 |
| Net operating income to assets | 1.0805% | 2,043 |
| Return on assets (ROA) | 1.0805% | 2,185 |
| Pretax return on assets | 1.6268% | 1,314 |
| Return on Equity (ROE) | 13.2907% | 1,208 |
| Retained earnings to average equity (ytd only) | 9.3314% | 1,034 |
| Net charge-offs to loans | 0.0129% | 5,968 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 195.8966% | 196 |
| Efficiency ratio | 59.7039% | 5,769 |
| Assets per employee ($millions) | 4.0249% | 3,793 |
| Cash dividends to net income (ytd only)* | 29.7906% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 7,097 |
| Loan loss allowance to noncurrent loans | 35.1441% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 1.9170% | 3,239 |
| Noncurrent loans to loans | 1.6737% | 3,794 |
| Net loans and leases to total assets | 70.0574% | 2,070 |
| Net loans and leases to deposits | 78.2060% | 2,945 |
| Net loans and leases to core deposits | 82.6239% | 3,239 |
| Total domestic deposits to total assets | 89.5806% | 1,102 |
| Equity capital to assets | 8.6397% | 6,156 |
| Core capital (leverage) ratio | 8.1103% | 6,269 |
| Tier 1 risk-based capital ratio | 10.9333% | 6,584 |
| Total risk-based capital ratio | 11.4871% | 6,867 |
| Memoranda: | ||
| Average total assets | $76,630,750 | 5,591 |
| Average earning assets | $70,093,000 | 5,579 |
| Average equity | $6,229,750 | 6,134 |
| Average total loans | $51,576,500 | 5,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 2,115 |
| Cost of funding earning assets | 1.1421% | 2,957 |
| Net interest margin | 4.0944% | 2,430 |
| Noninterest income to average assets | 0.3834% | 4,814 |
| Noninterest expense to average assets | 2.5534% | 5,342 |
| Loan and lease loss provision to assets | 0.0782% | 5,333 |
| Net operating income to assets | 1.0015% | 2,223 |
| Return on assets (ROA) | 1.0015% | 2,321 |
| Pretax return on assets | 1.4918% | 1,557 |
| Return on Equity (ROE) | 12.5819% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.1586% | 1,404 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9228% | 5,593 |
| Assets per employee ($millions) | 3.8228% | 4,143 |
| Cash dividends to net income (ytd only)* | 35.1563% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 7,141 |
| Loan loss allowance to noncurrent loans | 138.2883% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 5,011 |
| Noncurrent loans to loans | 0.4312% | 6,041 |
| Net loans and leases to total assets | 66.9444% | 2,830 |
| Net loans and leases to deposits | 75.0671% | 3,638 |
| Net loans and leases to core deposits | 78.3849% | 4,012 |
| Total domestic deposits to total assets | 89.1794% | 1,430 |
| Equity capital to assets | 8.2492% | 6,471 |
| Core capital (leverage) ratio | 7.8392% | 6,469 |
| Tier 1 risk-based capital ratio | 11.0365% | 6,497 |
| Total risk-based capital ratio | 11.5950% | 6,844 |
| Memoranda: | ||
| Average total assets | $76,683,330 | 5,630 |
| Average earning assets | $70,046,670 | 5,628 |
| Average equity | $6,104,000 | 6,205 |
| Average total loans | $50,804,670 | 5,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 2,598 |
| Cost of funding earning assets | 1.1614% | 3,079 |
| Net interest margin | 3.9487% | 2,919 |
| Noninterest income to average assets | 0.3542% | 5,064 |
| Noninterest expense to average assets | 2.6251% | 5,133 |
| Loan and lease loss provision to assets | 0.0781% | 5,023 |
| Net operating income to assets | 0.8646% | 2,725 |
| Return on assets (ROA) | 0.8646% | 2,783 |
| Pretax return on assets | 1.2813% | 2,094 |
| Return on Equity (ROE) | 11.0621% | 1,718 |
| Retained earnings to average equity (ytd only) | 11.0621% | 890 |
| Net charge-offs to loans | -0.0079% | 6,306 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8824% | 5,051 |
| Assets per employee ($millions) | 3.8236% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 7,221 |
| Loan loss allowance to noncurrent loans | 279.0476% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7702% | 5,371 |
| Noncurrent loans to loans | 0.2090% | 6,555 |
| Net loans and leases to total assets | 65.3084% | 3,177 |
| Net loans and leases to deposits | 72.8198% | 3,943 |
| Net loans and leases to core deposits | 76.2939% | 4,265 |
| Total domestic deposits to total assets | 89.6850% | 1,367 |
| Equity capital to assets | 7.9821% | 6,520 |
| Core capital (leverage) ratio | 7.8273% | 6,440 |
| Tier 1 risk-based capital ratio | 11.0184% | 6,500 |
| Total risk-based capital ratio | 11.5582% | 6,885 |
| Memoranda: | ||
| Average total assets | $76,797,000 | 5,678 |
| Average earning assets | $70,606,000 | 5,648 |
| Average equity | $6,002,500 | 6,247 |
| Average total loans | $50,462,000 | 5,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 1,410 |
| Cost of funding earning assets | 1.5721% | 2,231 |
| Net interest margin | 4.1759% | 2,273 |
| Noninterest income to average assets | 0.4583% | 4,454 |
| Noninterest expense to average assets | 2.8037% | 4,600 |
| Loan and lease loss provision to assets | 0.2511% | 4,786 |
| Net operating income to assets | 0.7832% | 2,876 |
| Return on assets (ROA) | 0.7832% | 2,998 |
| Pretax return on assets | 1.1536% | 2,384 |
| Return on Equity (ROE) | 9.6784% | 2,042 |
| Retained earnings to average equity (ytd only) | 1.1747% | 4,960 |
| Net charge-offs to loans | 0.5416% | 3,443 |
| Credit loss provision to net charge-offs | 67.0455% | 5,932 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,210 |
| Efficiency ratio | 66.6217% | 4,839 |
| Assets per employee ($millions) | 3.8562% | 4,122 |
| Cash dividends to net income (ytd only)* | 87.8623% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5465% | 7,320 |
| Loan loss allowance to noncurrent loans | 314.7727% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 5,526 |
| Noncurrent loans to loans | 0.1736% | 6,718 |
| Net loans and leases to total assets | 65.3657% | 3,588 |
| Net loans and leases to deposits | 75.3960% | 3,938 |
| Net loans and leases to core deposits | 79.1037% | 4,334 |
| Total domestic deposits to total assets | 86.6966% | 2,981 |
| Equity capital to assets | 7.6514% | 6,779 |
| Core capital (leverage) ratio | 7.7476% | 6,500 |
| Tier 1 risk-based capital ratio | 10.7260% | 6,550 |
| Total risk-based capital ratio | 11.2375% | 6,972 |
| Memoranda: | ||
| Average total assets | $70,477,600 | 5,870 |
| Average earning assets | $63,292,400 | 5,882 |
| Average equity | $5,703,400 | 6,458 |
| Average total loans | $48,744,600 | 5,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8804% | 1,181 |
| Cost of funding earning assets | 1.6413% | 2,156 |
| Net interest margin | 4.2391% | 2,068 |
| Noninterest income to average assets | 0.4495% | 4,564 |
| Noninterest expense to average assets | 2.7880% | 4,540 |
| Loan and lease loss provision to assets | 0.3119% | 4,082 |
| Net operating income to assets | 0.7653% | 3,158 |
| Return on assets (ROA) | 0.7653% | 3,310 |
| Pretax return on assets | 1.1276% | 2,742 |
| Return on Equity (ROE) | 9.3146% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.6595% | 2,559 |
| Net charge-offs to loans | 0.6852% | 2,711 |
| Credit loss provision to net charge-offs | 64.9194% | 5,566 |
| Earnings coverage of net charge-offs (x) | 2.9959% | 3,632 |
| Efficiency ratio | 65.9487% | 4,871 |
| Assets per employee ($millions) | 3.7323% | 4,427 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5390% | 7,418 |
| Loan loss allowance to noncurrent loans | 24.4268% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 2.1033% | 3,330 |
| Noncurrent loans to loans | 2.2067% | 3,436 |
| Net loans and leases to total assets | 68.4734% | 3,106 |
| Net loans and leases to deposits | 76.7436% | 4,044 |
| Net loans and leases to core deposits | 79.8962% | 4,534 |
| Total domestic deposits to total assets | 89.2237% | 1,275 |
| Equity capital to assets | 8.3529% | 6,449 |
| Core capital (leverage) ratio | 8.2576% | 5,952 |
| Tier 1 risk-based capital ratio | 10.9459% | 6,427 |
| Total risk-based capital ratio | 11.4531% | 6,933 |
| Memoranda: | ||
| Average total assets | $68,816,250 | 5,977 |
| Average earning assets | $61,332,250 | 6,015 |
| Average equity | $5,654,000 | 6,552 |
| Average total loans | $48,258,500 | 5,634 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9480% | 1,060 |
| Cost of funding earning assets | 1.6902% | 2,165 |
| Net interest margin | 4.2578% | 1,928 |
| Noninterest income to average assets | 0.4396% | 4,612 |
| Noninterest expense to average assets | 2.9040% | 4,056 |
| Loan and lease loss provision to assets | 0.2991% | 3,997 |
| Net operating income to assets | 0.6729% | 3,520 |
| Return on assets (ROA) | 0.6729% | 3,667 |
| Pretax return on assets | 0.9959% | 3,134 |
| Return on Equity (ROE) | 8.2413% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.5639% | 4,514 |
| Net charge-offs to loans | 0.7964% | 2,255 |
| Credit loss provision to net charge-offs | 53.1915% | 5,352 |
| Earnings coverage of net charge-offs (x) | 2.3032% | 3,847 |
| Efficiency ratio | 69.1595% | 4,345 |
| Assets per employee ($millions) | 3.6293% | 4,635 |
| Cash dividends to net income (ytd only)* | 68.8889% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 7,453 |
| Loan loss allowance to noncurrent loans | 28.9916% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 1.9935% | 3,504 |
| Noncurrent loans to loans | 1.9444% | 3,804 |
| Net loans and leases to total assets | 67.0708% | 3,603 |
| Net loans and leases to deposits | 75.2097% | 4,488 |
| Net loans and leases to core deposits | 78.3646% | 4,881 |
| Total domestic deposits to total assets | 89.1784% | 1,338 |
| Equity capital to assets | 8.3473% | 6,363 |
| Core capital (leverage) ratio | 7.9097% | 6,375 |
| Tier 1 risk-based capital ratio | 11.1534% | 6,091 |
| Total risk-based capital ratio | 11.6839% | 6,721 |
| Memoranda: | ||
| Average total assets | $66,873,330 | 6,066 |
| Average earning assets | $59,045,000 | 6,140 |
| Average equity | $5,460,330 | 6,628 |
| Average total loans | $47,215,000 | 5,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 1,231 |
| Cost of funding earning assets | 1.6917% | 2,430 |
| Net interest margin | 4.1944% | 2,058 |
| Noninterest income to average assets | 0.4749% | 4,247 |
| Noninterest expense to average assets | 2.9617% | 3,813 |
| Loan and lease loss provision to assets | 0.6248% | 2,031 |
| Net operating income to assets | 0.4874% | 4,459 |
| Return on assets (ROA) | 0.4874% | 4,594 |
| Pretax return on assets | 0.6373% | 4,463 |
| Return on Equity (ROE) | 6.0453% | 3,857 |
| Retained earnings to average equity (ytd only) | -2.0926% | 6,226 |
| Net charge-offs to loans | 1.4155% | 1,221 |
| Credit loss provision to net charge-offs | 60.9756% | 4,278 |
| Earnings coverage of net charge-offs (x) | 1.2317% | 4,027 |
| Efficiency ratio | 70.1183% | 4,278 |
| Assets per employee ($millions) | 3.5774% | 4,875 |
| Cash dividends to net income (ytd only)* | 134.6154% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 7,416 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 5,187 |
| Noncurrent loans to loans | 0.2636% | 6,795 |
| Net loans and leases to total assets | 70.2224% | 2,878 |
| Net loans and leases to deposits | 78.6322% | 3,915 |
| Net loans and leases to core deposits | 82.7626% | 4,388 |
| Total domestic deposits to total assets | 89.3049% | 1,363 |
| Equity capital to assets | 7.9914% | 6,661 |
| Core capital (leverage) ratio | 7.9147% | 6,365 |
| Tier 1 risk-based capital ratio | 10.3673% | 6,743 |
| Total risk-based capital ratio | 10.9856% | 7,186 |
| Memoranda: | ||
| Average total assets | $64,017,000 | 6,245 |
| Average earning assets | $57,219,500 | 6,270 |
| Average equity | $5,161,000 | 6,799 |
| Average total loans | $46,342,500 | 5,825 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0454% | 1,688 |
| Cost of funding earning assets | 1.9567% | 3,175 |
| Net interest margin | 4.0887% | 2,503 |
| Noninterest income to average assets | 0.5071% | 4,361 |
| Noninterest expense to average assets | 2.8906% | 4,567 |
| Loan and lease loss provision to assets | 0.1227% | 6,411 |
| Net operating income to assets | 0.8212% | 2,446 |
| Return on assets (ROA) | 0.8212% | 2,538 |
| Pretax return on assets | 1.1926% | 1,974 |
| Return on Equity (ROE) | 9.9465% | 1,711 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,041 |
| Net charge-offs to loans | 0.0641% | 6,468 |
| Credit loss provision to net charge-offs | 267.8571% | 1,303 |
| Earnings coverage of net charge-offs (x) | 28.7143% | 795 |
| Efficiency ratio | 68.7281% | 4,876 |
| Assets per employee ($millions) | 3.5356% | 4,934 |
| Cash dividends to net income (ytd only)* | 85.2590% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 7,203 |
| Loan loss allowance to noncurrent loans | 61.5905% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 4,774 |
| Noncurrent loans to loans | 1.2530% | 4,849 |
| Net loans and leases to total assets | 73.5418% | 2,371 |
| Net loans and leases to deposits | 82.4923% | 3,549 |
| Net loans and leases to core deposits | 105.1140% | 3,441 |
| Total domestic deposits to total assets | 89.1499% | 1,412 |
| Equity capital to assets | 8.1332% | 6,423 |
| Core capital (leverage) ratio | 8.0812% | 6,030 |
| Tier 1 risk-based capital ratio | 10.2380% | 6,649 |
| Total risk-based capital ratio | 10.9748% | 7,059 |
| Memoranda: | ||
| Average total assets | $61,129,400 | 6,308 |
| Average earning assets | $55,298,200 | 6,322 |
| Average equity | $5,047,000 | 6,924 |
| Average total loans | $43,704,200 | 5,947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0688% | 1,762 |
| Cost of funding earning assets | 2.0254% | 3,230 |
| Net interest margin | 4.0434% | 2,622 |
| Noninterest income to average assets | 0.4650% | 4,781 |
| Noninterest expense to average assets | 2.8009% | 4,897 |
| Loan and lease loss provision to assets | 0.1653% | 5,704 |
| Net operating income to assets | 0.7977% | 2,826 |
| Return on assets (ROA) | 0.7977% | 2,889 |
| Pretax return on assets | 1.1547% | 2,400 |
| Return on Equity (ROE) | 9.6246% | 2,059 |
| Retained earnings to average equity (ytd only) | -0.5584% | 5,366 |
| Net charge-offs to loans | 0.0031% | 6,945 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 600.4887% | 51 |
| Efficiency ratio | 67.9679% | 4,982 |
| Assets per employee ($millions) | 3.6628% | 4,511 |
| Cash dividends to net income (ytd only)* | 105.8013% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 6,765 |
| Loan loss allowance to noncurrent loans | 67.7643% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 5,014 |
| Noncurrent loans to loans | 1.3240% | 4,723 |
| Net loans and leases to total assets | 69.3594% | 3,643 |
| Net loans and leases to deposits | 77.9567% | 4,742 |
| Net loans and leases to core deposits | 99.3558% | 4,446 |
| Total domestic deposits to total assets | 88.9717% | 1,210 |
| Equity capital to assets | 8.2114% | 6,627 |
| Core capital (leverage) ratio | 8.1332% | 6,131 |
| Tier 1 risk-based capital ratio | 10.6064% | 6,336 |
| Total risk-based capital ratio | 11.4422% | 6,725 |
| Memoranda: | ||
| Average total assets | $60,501,750 | 6,374 |
| Average earning assets | $54,705,000 | 6,390 |
| Average equity | $5,014,750 | 6,991 |
| Average total loans | $42,838,750 | 6,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1711% | 1,554 |
| Cost of funding earning assets | 2.1027% | 3,251 |
| Net interest margin | 4.0684% | 2,440 |
| Noninterest income to average assets | 0.4874% | 4,562 |
| Noninterest expense to average assets | 2.8308% | 4,824 |
| Loan and lease loss provision to assets | 0.2504% | 4,568 |
| Net operating income to assets | 0.7544% | 3,022 |
| Return on assets (ROA) | 0.7544% | 3,130 |
| Pretax return on assets | 1.0749% | 2,716 |
| Return on Equity (ROE) | 9.0727% | 2,335 |
| Retained earnings to average equity (ytd only) | -6.3027% | 6,493 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1124% | 5,142 |
| Assets per employee ($millions) | 3.4803% | 4,861 |
| Cash dividends to net income (ytd only)* | 169.4690% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,636 |
| Loan loss allowance to noncurrent loans | 57.2263% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 4,412 |
| Noncurrent loans to loans | 1.6283% | 4,056 |
| Net loans and leases to total assets | 70.4420% | 3,598 |
| Net loans and leases to deposits | 79.3591% | 4,647 |
| Net loans and leases to core deposits | 101.1922% | 4,382 |
| Total domestic deposits to total assets | 88.7636% | 1,398 |
| Equity capital to assets | 8.3039% | 6,324 |
| Core capital (leverage) ratio | 7.9889% | 6,351 |
| Tier 1 risk-based capital ratio | 10.7330% | 6,157 |
| Total risk-based capital ratio | 11.6048% | 6,464 |
| Memoranda: | ||
| Average total assets | $59,913,330 | 6,449 |
| Average earning assets | $54,026,330 | 6,469 |
| Average equity | $4,982,000 | 7,071 |
| Average total loans | $42,592,000 | 6,086 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 1,421 |
| Cost of funding earning assets | 2.1767% | 3,283 |
| Net interest margin | 4.0803% | 2,356 |
| Noninterest income to average assets | 0.4711% | 4,581 |
| Noninterest expense to average assets | 2.8331% | 4,411 |
| Loan and lease loss provision to assets | 0.4976% | 2,481 |
| Net operating income to assets | 0.5839% | 4,088 |
| Return on assets (ROA) | 0.5839% | 4,280 |
| Pretax return on assets | 0.8095% | 4,045 |
| Return on Equity (ROE) | 7.0168% | 3,586 |
| Retained earnings to average equity (ytd only) | -23.5224% | 7,733 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4295% | 4,886 |
| Assets per employee ($millions) | 3.1419% | 5,766 |
| Cash dividends to net income (ytd only)* | 435.2273% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 6,556 |
| Loan loss allowance to noncurrent loans | 64.7934% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 4,454 |
| Noncurrent loans to loans | 1.4506% | 4,125 |
| Net loans and leases to total assets | 69.2107% | 3,868 |
| Net loans and leases to deposits | 77.8548% | 4,952 |
| Net loans and leases to core deposits | 98.6368% | 4,683 |
| Total domestic deposits to total assets | 88.8971% | 1,276 |
| Equity capital to assets | 8.1044% | 6,671 |
| Core capital (leverage) ratio | 7.7761% | 6,782 |
| Tier 1 risk-based capital ratio | 10.4515% | 6,444 |
| Total risk-based capital ratio | 11.3254% | 6,749 |
| Memoranda: | ||
| Average total assets | $60,287,500 | 6,464 |
| Average earning assets | $54,211,500 | 6,487 |
| Average equity | $5,016,500 | 7,101 |
| Average total loans | $42,853,500 | 6,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5898% | 2,540 |
| Cost of funding earning assets | 2.7567% | 2,891 |
| Net interest margin | 3.8331% | 3,879 |
| Noninterest income to average assets | 0.5787% | 4,014 |
| Noninterest expense to average assets | 2.6545% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9618% | 2,737 |
| Return on assets (ROA) | 0.9618% | 2,611 |
| Pretax return on assets | 1.3967% | 1,980 |
| Return on Equity (ROE) | 11.7108% | 1,681 |
| Retained earnings to average equity (ytd only) | 2.6884% | 3,505 |
| Net charge-offs to loans | -0.0510% | 8,029 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5244% | 5,217 |
| Assets per employee ($millions) | 3.2042% | 5,475 |
| Cash dividends to net income (ytd only)* | 77.0435% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 7,373 |
| Loan loss allowance to noncurrent loans | 621.5686% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 6,431 |
| Noncurrent loans to loans | 0.1159% | 7,068 |
| Net loans and leases to total assets | 71.7522% | 3,642 |
| Net loans and leases to deposits | 81.3612% | 4,815 |
| Net loans and leases to core deposits | 100.7403% | 4,749 |
| Total domestic deposits to total assets | 88.1897% | 1,391 |
| Equity capital to assets | 8.5333% | 6,028 |
| Core capital (leverage) ratio | 8.3017% | 5,946 |
| Tier 1 risk-based capital ratio | 10.6057% | 6,096 |
| Total risk-based capital ratio | 11.2804% | 6,582 |
| Memoranda: | ||
| Average total assets | $59,785,200 | 6,388 |
| Average earning assets | $54,159,600 | 6,406 |
| Average equity | $4,910,000 | 7,176 |
| Average total loans | $41,211,200 | 6,113 |