Home > Farmers & Traders Savings Bank > Performance and Condition Ratios
Farmers & Traders Savings Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 4,024 |
| Cost of funding earning assets | 0.6004% | 540 |
| Net interest margin | 2.3175% | 4,399 |
| Noninterest income to average assets | 0.1449% | 4,430 |
| Noninterest expense to average assets | 1.9947% | 3,690 |
| Loan and lease loss provision to assets | -0.0209% | 4,230 |
| Net operating income to assets | 0.3496% | 4,348 |
| Return on assets (ROA) | 0.3496% | 4,375 |
| Pretax return on assets | 0.3915% | 4,400 |
| Return on Equity (ROE) | 3.7247% | 4,257 |
| Retained earnings to average equity (ytd only) | -16.1403% | 4,801 |
| Net charge-offs to loans | -0.0422% | 4,243 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3335% | 554 |
| Assets per employee ($millions) | 7.2907% | 1,734 |
| Cash dividends to net income (ytd only)* | 533.3333% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5188% | 269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,055 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 40.6614% | 4,052 |
| Net loans and leases to deposits | 47.2475% | 4,035 |
| Net loans and leases to core deposits | 48.8925% | 4,061 |
| Total domestic deposits to total assets | 86.0603% | 2,876 |
| Equity capital to assets | 7.3834% | 4,627 |
| Core capital (leverage) ratio | 8.2219% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8037% | 1,579 |
| Memoranda: | ||
| Average total assets | $66,927,000 | 4,370 |
| Average earning assets | $64,121,400 | 4,333 |
| Average equity | $6,282,400 | 4,503 |
| Average total loans | $33,213,800 | 4,310 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 3,844 |
| Cost of funding earning assets | 0.6224% | 570 |
| Net interest margin | 2.4640% | 4,333 |
| Noninterest income to average assets | 0.1365% | 4,516 |
| Noninterest expense to average assets | 1.8543% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6093% | 3,991 |
| Return on assets (ROA) | 0.6093% | 4,042 |
| Pretax return on assets | 0.6459% | 4,167 |
| Return on Equity (ROE) | 6.1263% | 3,882 |
| Retained earnings to average equity (ytd only) | -0.0205% | 4,564 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1646% | 1,203 |
| Assets per employee ($millions) | 6.0829% | 2,606 |
| Cash dividends to net income (ytd only)* | 100.3344% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5649% | 263 |
| Loan loss allowance to noncurrent loans | 3,481.8182% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,863 |
| Noncurrent loans to loans | 0.0737% | 3,722 |
| Net loans and leases to total assets | 43.4885% | 3,993 |
| Net loans and leases to deposits | 52.3636% | 3,856 |
| Net loans and leases to core deposits | 54.1619% | 3,906 |
| Total domestic deposits to total assets | 83.0509% | 3,693 |
| Equity capital to assets | 9.6859% | 3,201 |
| Core capital (leverage) ratio | 9.6745% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6052% | 562 |
| Memoranda: | ||
| Average total assets | $65,432,000 | 4,446 |
| Average earning assets | $62,767,750 | 4,410 |
| Average equity | $6,507,250 | 4,541 |
| Average total loans | $33,914,500 | 4,362 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2131% | 3,653 |
| Cost of funding earning assets | 0.6426% | 598 |
| Net interest margin | 2.5704% | 4,213 |
| Noninterest income to average assets | 0.1140% | 4,631 |
| Noninterest expense to average assets | 1.8171% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7238% | 3,702 |
| Return on assets (ROA) | 0.7238% | 3,767 |
| Pretax return on assets | 0.7607% | 3,945 |
| Return on Equity (ROE) | 7.2130% | 3,599 |
| Retained earnings to average equity (ytd only) | -1.9951% | 4,667 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4898% | 1,579 |
| Assets per employee ($millions) | 6.5211% | 2,150 |
| Cash dividends to net income (ytd only)* | 127.6596% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3973% | 314 |
| Loan loss allowance to noncurrent loans | 3,191.6667% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,938 |
| Noncurrent loans to loans | 0.0751% | 3,809 |
| Net loans and leases to total assets | 47.8248% | 3,740 |
| Net loans and leases to deposits | 58.6046% | 3,489 |
| Net loans and leases to core deposits | 60.7093% | 3,571 |
| Total domestic deposits to total assets | 81.6059% | 3,992 |
| Equity capital to assets | 9.8818% | 2,968 |
| Core capital (leverage) ratio | 9.5536% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1554% | 685 |
| Memoranda: | ||
| Average total assets | $64,938,667 | 4,480 |
| Average earning assets | $62,246,000 | 4,445 |
| Average equity | $6,516,000 | 4,568 |
| Average total loans | $35,264,333 | 4,368 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 3,492 |
| Cost of funding earning assets | 0.6723% | 608 |
| Net interest margin | 2.6115% | 4,126 |
| Noninterest income to average assets | 0.0864% | 4,738 |
| Noninterest expense to average assets | 1.7283% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8148% | 3,374 |
| Return on assets (ROA) | 0.8148% | 3,447 |
| Pretax return on assets | 0.8518% | 3,718 |
| Return on Equity (ROE) | 8.0586% | 3,303 |
| Retained earnings to average equity (ytd only) | -4.1514% | 4,666 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9856% | 2,085 |
| Assets per employee ($millions) | 6.5420% | 2,144 |
| Cash dividends to net income (ytd only)* | 151.5152% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 515 |
| Loan loss allowance to noncurrent loans | 3,064.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,025 |
| Noncurrent loans to loans | 0.0679% | 3,950 |
| Net loans and leases to total assets | 55.0810% | 3,139 |
| Net loans and leases to deposits | 67.9028% | 2,713 |
| Net loans and leases to core deposits | 70.3487% | 2,839 |
| Total domestic deposits to total assets | 81.1174% | 4,049 |
| Equity capital to assets | 9.8838% | 2,813 |
| Core capital (leverage) ratio | 9.6172% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0826% | 778 |
| Memoranda: | ||
| Average total assets | $64,802,500 | 4,498 |
| Average earning assets | $61,879,000 | 4,461 |
| Average equity | $6,552,000 | 4,580 |
| Average total loans | $36,920,000 | 4,358 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 3,551 |
| Cost of funding earning assets | 0.9683% | 671 |
| Net interest margin | 2.7424% | 4,331 |
| Noninterest income to average assets | 0.2175% | 4,191 |
| Noninterest expense to average assets | 2.0891% | 3,955 |
| Loan and lease loss provision to assets | 0.0330% | 3,987 |
| Net operating income to assets | 0.6706% | 3,517 |
| Return on assets (ROA) | 0.6706% | 3,647 |
| Pretax return on assets | 0.7084% | 3,867 |
| Return on Equity (ROE) | 6.3034% | 3,482 |
| Retained earnings to average equity (ytd only) | 3.2059% | 3,219 |
| Net charge-offs to loans | -0.0052% | 4,147 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8068% | 1,479 |
| Assets per employee ($millions) | 7.1317% | 1,491 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 514 |
| Loan loss allowance to noncurrent loans | 2,837.0370% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,075 |
| Noncurrent loans to loans | 0.0729% | 4,004 |
| Net loans and leases to total assets | 56.5148% | 3,249 |
| Net loans and leases to deposits | 72.2460% | 2,658 |
| Net loans and leases to core deposits | 74.9680% | 2,821 |
| Total domestic deposits to total assets | 78.2254% | 4,294 |
| Equity capital to assets | 10.3420% | 2,800 |
| Core capital (leverage) ratio | 10.9182% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7380% | 940 |
| Memoranda: | ||
| Average total assets | $60,696,200 | 4,505 |
| Average earning assets | $57,831,600 | 4,471 |
| Average equity | $6,456,800 | 4,590 |
| Average total loans | $38,237,800 | 4,349 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 3,339 |
| Cost of funding earning assets | 1.0262% | 698 |
| Net interest margin | 2.8495% | 4,266 |
| Noninterest income to average assets | 0.1716% | 4,440 |
| Noninterest expense to average assets | 2.0259% | 4,094 |
| Loan and lease loss provision to assets | 0.0451% | 3,792 |
| Net operating income to assets | 0.7780% | 3,174 |
| Return on assets (ROA) | 0.8246% | 3,126 |
| Pretax return on assets | 0.8670% | 3,471 |
| Return on Equity (ROE) | 7.6943% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.5352% | 3,290 |
| Net charge-offs to loans | -0.0069% | 4,137 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1389% | 1,864 |
| Assets per employee ($millions) | 6.3313% | 1,967 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 501 |
| Loan loss allowance to noncurrent loans | 2,641.3793% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,153 |
| Noncurrent loans to loans | 0.0753% | 4,071 |
| Net loans and leases to total assets | 59.5818% | 3,267 |
| Net loans and leases to deposits | 76.5561% | 2,697 |
| Net loans and leases to core deposits | 79.4972% | 2,886 |
| Total domestic deposits to total assets | 77.8276% | 4,223 |
| Equity capital to assets | 10.4797% | 2,809 |
| Core capital (leverage) ratio | 10.3302% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7440% | 1,092 |
| Memoranda: | ||
| Average total assets | $59,824,000 | 4,532 |
| Average earning assets | $57,037,500 | 4,499 |
| Average equity | $6,411,500 | 4,617 |
| Average total loans | $38,537,250 | 4,365 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,076 |
| Cost of funding earning assets | 1.1084% | 703 |
| Net interest margin | 2.9820% | 4,165 |
| Noninterest income to average assets | 0.1261% | 4,673 |
| Noninterest expense to average assets | 2.0081% | 4,220 |
| Loan and lease loss provision to assets | 0.0682% | 3,440 |
| Net operating income to assets | 0.8554% | 2,849 |
| Return on assets (ROA) | 0.9274% | 2,721 |
| Pretax return on assets | 0.9683% | 3,119 |
| Return on Equity (ROE) | 8.5845% | 2,531 |
| Retained earnings to average equity (ytd only) | 2.2724% | 3,649 |
| Net charge-offs to loans | -0.0104% | 4,219 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6234% | 2,290 |
| Assets per employee ($millions) | 5.3701% | 2,766 |
| Cash dividends to net income (ytd only)* | 73.5294% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 476 |
| Loan loss allowance to noncurrent loans | 2,553.3333% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,218 |
| Noncurrent loans to loans | 0.0764% | 4,151 |
| Net loans and leases to total assets | 65.1961% | 2,737 |
| Net loans and leases to deposits | 86.1084% | 1,753 |
| Net loans and leases to core deposits | 90.2999% | 2,055 |
| Total domestic deposits to total assets | 75.7140% | 4,455 |
| Equity capital to assets | 11.0985% | 2,253 |
| Core capital (leverage) ratio | 10.5149% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1714% | 1,019 |
| Memoranda: | ||
| Average total assets | $58,661,000 | 4,559 |
| Average earning assets | $55,936,000 | 4,532 |
| Average equity | $6,337,000 | 4,647 |
| Average total loans | $38,553,333 | 4,374 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 3,640 |
| Cost of funding earning assets | 1.1660% | 857 |
| Net interest margin | 2.8900% | 4,447 |
| Noninterest income to average assets | 0.1437% | 4,647 |
| Noninterest expense to average assets | 2.0255% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8417% | 2,745 |
| Return on assets (ROA) | 0.8417% | 2,836 |
| Pretax return on assets | 0.8827% | 3,184 |
| Return on Equity (ROE) | 7.9004% | 2,557 |
| Retained earnings to average equity (ytd only) | -4.9458% | 4,515 |
| Net charge-offs to loans | -0.0209% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6471% | 2,405 |
| Assets per employee ($millions) | 5.3520% | 2,273 |
| Cash dividends to net income (ytd only)* | 162.6016% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 594 |
| Loan loss allowance to noncurrent loans | 1,308.7719% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,075 |
| Noncurrent loans to loans | 0.1459% | 3,936 |
| Net loans and leases to total assets | 65.0734% | 2,932 |
| Net loans and leases to deposits | 88.5903% | 1,681 |
| Net loans and leases to core deposits | 94.2343% | 1,951 |
| Total domestic deposits to total assets | 73.4543% | 4,693 |
| Equity capital to assets | 10.5143% | 3,304 |
| Core capital (leverage) ratio | 10.4347% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6129% | 1,209 |
| Memoranda: | ||
| Average total assets | $58,456,000 | 4,576 |
| Average earning assets | $55,916,500 | 4,542 |
| Average equity | $6,227,500 | 4,694 |
| Average total loans | $38,191,000 | 4,409 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 3,252 |
| Cost of funding earning assets | 1.3499% | 658 |
| Net interest margin | 3.0497% | 4,451 |
| Noninterest income to average assets | 0.1925% | 4,511 |
| Noninterest expense to average assets | 2.3067% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7489% | 3,705 |
| Return on assets (ROA) | 0.7489% | 3,783 |
| Pretax return on assets | 0.7948% | 3,981 |
| Return on Equity (ROE) | 6.8885% | 3,590 |
| Retained earnings to average equity (ytd only) | 1.6084% | 4,162 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3736% | 1,563 |
| Assets per employee ($millions) | 5.2764% | 2,267 |
| Cash dividends to net income (ytd only)* | 76.6509% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 465 |
| Loan loss allowance to noncurrent loans | 1,261.0169% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,997 |
| Noncurrent loans to loans | 0.1581% | 3,895 |
| Net loans and leases to total assets | 63.0289% | 3,312 |
| Net loans and leases to deposits | 82.6338% | 2,485 |
| Net loans and leases to core deposits | 87.7561% | 2,628 |
| Total domestic deposits to total assets | 76.2750% | 4,571 |
| Equity capital to assets | 10.7943% | 3,189 |
| Core capital (leverage) ratio | 10.7741% | 2,696 |
| Tier 1 risk-based capital ratio | 16.4730% | 2,223 |
| Total risk-based capital ratio | 17.7315% | 2,169 |
| Memoranda: | ||
| Average total assets | $56,616,800 | 4,637 |
| Average earning assets | $54,006,000 | 4,613 |
| Average equity | $6,155,200 | 4,738 |
| Average total loans | $40,073,600 | 4,396 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 2,992 |
| Cost of funding earning assets | 1.3799% | 611 |
| Net interest margin | 3.1403% | 4,414 |
| Noninterest income to average assets | 0.1943% | 4,556 |
| Noninterest expense to average assets | 2.1684% | 4,237 |
| Loan and lease loss provision to assets | 0.0474% | 2,947 |
| Net operating income to assets | 0.9242% | 3,261 |
| Return on assets (ROA) | 0.9242% | 3,329 |
| Pretax return on assets | 0.9716% | 3,677 |
| Return on Equity (ROE) | 8.4858% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.5022% | 4,094 |
| Net charge-offs to loans | 0.0033% | 3,298 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 431.0677% | 233 |
| Efficiency ratio | 68.0297% | 2,415 |
| Assets per employee ($millions) | 5.0595% | 2,488 |
| Cash dividends to net income (ytd only)* | 70.5129% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0717% | 408 |
| Loan loss allowance to noncurrent loans | 2,119.4444% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 4,249 |
| Noncurrent loans to loans | 0.0977% | 4,207 |
| Net loans and leases to total assets | 64.8028% | 3,205 |
| Net loans and leases to deposits | 86.1833% | 2,172 |
| Net loans and leases to core deposits | 91.8551% | 2,382 |
| Total domestic deposits to total assets | 75.1918% | 4,730 |
| Equity capital to assets | 11.2712% | 2,857 |
| Core capital (leverage) ratio | 11.0530% | 2,599 |
| Tier 1 risk-based capital ratio | 17.1873% | 2,027 |
| Total risk-based capital ratio | 18.4468% | 1,983 |
| Memoranda: | ||
| Average total assets | $56,261,000 | 4,714 |
| Average earning assets | $53,623,750 | 4,684 |
| Average equity | $6,127,750 | 4,806 |
| Average total loans | $40,760,500 | 4,449 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 2,794 |
| Cost of funding earning assets | 1.3634% | 609 |
| Net interest margin | 3.1986% | 4,371 |
| Noninterest income to average assets | 0.1736% | 4,711 |
| Noninterest expense to average assets | 2.1465% | 4,334 |
| Loan and lease loss provision to assets | 0.0708% | 2,399 |
| Net operating income to assets | 0.9599% | 3,063 |
| Return on assets (ROA) | 0.9599% | 3,137 |
| Pretax return on assets | 1.0060% | 3,522 |
| Return on Equity (ROE) | 8.9155% | 2,890 |
| Retained earnings to average equity (ytd only) | 1.5133% | 4,284 |
| Net charge-offs to loans | 0.0048% | 2,993 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 263 |
| Efficiency ratio | 66.5934% | 2,734 |
| Assets per employee ($millions) | 4.9857% | 2,494 |
| Cash dividends to net income (ytd only)* | 83.0258% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 640 |
| Loan loss allowance to noncurrent loans | 2,007.8947% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,263 |
| Noncurrent loans to loans | 0.0913% | 4,274 |
| Net loans and leases to total assets | 74.4890% | 1,806 |
| Net loans and leases to deposits | 99.4063% | 719 |
| Net loans and leases to core deposits | 106.7607% | 1,195 |
| Total domestic deposits to total assets | 74.9339% | 4,771 |
| Equity capital to assets | 11.3196% | 2,768 |
| Core capital (leverage) ratio | 10.8010% | 2,788 |
| Tier 1 risk-based capital ratio | 14.8099% | 2,910 |
| Total risk-based capital ratio | 16.0677% | 2,834 |
| Memoranda: | ||
| Average total assets | $56,463,000 | 4,748 |
| Average earning assets | $53,835,330 | 4,714 |
| Average equity | $6,079,330 | 4,842 |
| Average total loans | $42,071,000 | 4,440 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,975 |
| Cost of funding earning assets | 1.2817% | 698 |
| Net interest margin | 3.1861% | 4,416 |
| Noninterest income to average assets | 0.1676% | 4,735 |
| Noninterest expense to average assets | 2.0882% | 4,479 |
| Loan and lease loss provision to assets | 0.0698% | 2,259 |
| Net operating income to assets | 0.9987% | 2,845 |
| Return on assets (ROA) | 0.9987% | 2,883 |
| Pretax return on assets | 1.0476% | 3,293 |
| Return on Equity (ROE) | 9.5096% | 2,583 |
| Retained earnings to average equity (ytd only) | -5.4530% | 4,946 |
| Net charge-offs to loans | 0.0095% | 2,351 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 479 |
| Efficiency ratio | 65.1416% | 3,068 |
| Assets per employee ($millions) | 5.2292% | 2,250 |
| Cash dividends to net income (ytd only)* | 157.3427% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7664% | 752 |
| Loan loss allowance to noncurrent loans | 1,981.5789% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,344 |
| Noncurrent loans to loans | 0.0891% | 4,349 |
| Net loans and leases to total assets | 72.8030% | 2,022 |
| Net loans and leases to deposits | 96.2800% | 934 |
| Net loans and leases to core deposits | 102.9602% | 1,384 |
| Total domestic deposits to total assets | 75.6159% | 4,803 |
| Equity capital to assets | 10.4414% | 3,386 |
| Core capital (leverage) ratio | 10.4168% | 3,149 |
| Tier 1 risk-based capital ratio | 14.5574% | 3,083 |
| Total risk-based capital ratio | 15.8154% | 2,997 |
| Memoranda: | ||
| Average total assets | $57,273,000 | 4,788 |
| Average earning assets | $54,613,000 | 4,757 |
| Average equity | $6,015,000 | 4,892 |
| Average total loans | $42,299,000 | 4,484 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,350 |
| Cost of funding earning assets | 1.0874% | 521 |
| Net interest margin | 3.1445% | 4,590 |
| Noninterest income to average assets | 0.1825% | 4,811 |
| Noninterest expense to average assets | 2.3199% | 4,077 |
| Loan and lease loss provision to assets | 0.0702% | 2,734 |
| Net operating income to assets | 0.7458% | 3,982 |
| Return on assets (ROA) | 0.7458% | 3,985 |
| Pretax return on assets | 0.7915% | 4,192 |
| Return on Equity (ROE) | 7.2053% | 3,760 |
| Retained earnings to average equity (ytd only) | 2.9669% | 3,918 |
| Net charge-offs to loans | -0.0120% | 4,545 |
| Credit loss provision to net charge-offs | -800.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9178% | 1,781 |
| Assets per employee ($millions) | 5.1841% | 2,281 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 720 |
| Loan loss allowance to noncurrent loans | 1,550.0000% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,127 |
| Noncurrent loans to loans | 0.1144% | 4,215 |
| Net loans and leases to total assets | 72.2911% | 2,210 |
| Net loans and leases to deposits | 96.0015% | 1,070 |
| Net loans and leases to core deposits | 104.3381% | 1,389 |
| Total domestic deposits to total assets | 75.3021% | 4,838 |
| Equity capital to assets | 10.5638% | 3,113 |
| Core capital (leverage) ratio | 10.6138% | 2,918 |
| Tier 1 risk-based capital ratio | 14.5910% | 3,023 |
| Total risk-based capital ratio | 15.8469% | 2,942 |
| Memoranda: | ||
| Average total assets | $56,984,000 | 4,817 |
| Average earning assets | $54,348,800 | 4,778 |
| Average equity | $5,898,400 | 4,915 |
| Average total loans | $41,519,600 | 4,509 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,412 |
| Cost of funding earning assets | 1.0386% | 505 |
| Net interest margin | 3.1305% | 4,652 |
| Noninterest income to average assets | 0.1802% | 4,883 |
| Noninterest expense to average assets | 2.1343% | 4,476 |
| Loan and lease loss provision to assets | 0.0702% | 2,561 |
| Net operating income to assets | 0.9197% | 3,434 |
| Return on assets (ROA) | 0.9197% | 3,436 |
| Pretax return on assets | 0.9665% | 3,831 |
| Return on Equity (ROE) | 8.9311% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.2497% | 4,117 |
| Net charge-offs to loans | -0.0161% | 4,553 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3063% | 2,657 |
| Assets per employee ($millions) | 5.1022% | 2,334 |
| Cash dividends to net income (ytd only)* | 63.6138% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 803 |
| Loan loss allowance to noncurrent loans | 591.9355% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,581 |
| Noncurrent loans to loans | 0.2949% | 3,618 |
| Net loans and leases to total assets | 73.6031% | 2,057 |
| Net loans and leases to deposits | 102.0530% | 650 |
| Net loans and leases to core deposits | 111.5043% | 940 |
| Total domestic deposits to total assets | 72.1224% | 5,123 |
| Equity capital to assets | 10.5819% | 3,062 |
| Core capital (leverage) ratio | 10.6221% | 2,963 |
| Tier 1 risk-based capital ratio | 14.3861% | 3,178 |
| Total risk-based capital ratio | 15.6412% | 3,087 |
| Memoranda: | ||
| Average total assets | $56,973,750 | 4,867 |
| Average earning assets | $54,431,000 | 4,832 |
| Average equity | $5,867,000 | 4,969 |
| Average total loans | $41,407,500 | 4,556 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,428 |
| Cost of funding earning assets | 1.0003% | 470 |
| Net interest margin | 3.1068% | 4,715 |
| Noninterest income to average assets | 0.1572% | 5,040 |
| Noninterest expense to average assets | 2.1133% | 4,572 |
| Loan and lease loss provision to assets | 0.0699% | 2,487 |
| Net operating income to assets | 0.8977% | 3,461 |
| Return on assets (ROA) | 0.8977% | 3,471 |
| Pretax return on assets | 0.9466% | 3,819 |
| Return on Equity (ROE) | 8.7969% | 3,118 |
| Retained earnings to average equity (ytd only) | 1.9511% | 4,475 |
| Net charge-offs to loans | -0.0194% | 4,554 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5223% | 2,722 |
| Assets per employee ($millions) | 5.0116% | 2,404 |
| Cash dividends to net income (ytd only)* | 77.8210% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 786 |
| Loan loss allowance to noncurrent loans | 1,475.5102% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,266 |
| Noncurrent loans to loans | 0.1204% | 4,366 |
| Net loans and leases to total assets | 72.5294% | 2,191 |
| Net loans and leases to deposits | 97.5124% | 994 |
| Net loans and leases to core deposits | 104.3288% | 1,372 |
| Total domestic deposits to total assets | 74.3796% | 5,013 |
| Equity capital to assets | 10.6806% | 2,949 |
| Core capital (leverage) ratio | 10.2668% | 3,269 |
| Tier 1 risk-based capital ratio | 14.5418% | 3,097 |
| Total risk-based capital ratio | 15.7990% | 3,014 |
| Memoranda: | ||
| Average total assets | $57,257,000 | 4,915 |
| Average earning assets | $54,783,000 | 4,882 |
| Average equity | $5,843,000 | 5,028 |
| Average total loans | $41,195,670 | 4,605 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,575 |
| Cost of funding earning assets | 0.9522% | 466 |
| Net interest margin | 3.0572% | 4,782 |
| Noninterest income to average assets | 0.1509% | 5,109 |
| Noninterest expense to average assets | 2.0164% | 4,821 |
| Loan and lease loss provision to assets | 0.0686% | 2,395 |
| Net operating income to assets | 0.9533% | 3,061 |
| Return on assets (ROA) | 0.9533% | 3,081 |
| Pretax return on assets | 0.9945% | 3,551 |
| Return on Equity (ROE) | 9.5524% | 2,660 |
| Retained earnings to average equity (ytd only) | -4.1921% | 5,155 |
| Net charge-offs to loans | -0.0290% | 4,722 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4788% | 3,251 |
| Assets per employee ($millions) | 5.2374% | 2,210 |
| Cash dividends to net income (ytd only)* | 143.8849% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 899 |
| Loan loss allowance to noncurrent loans | 1,514.8936% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,415 |
| Noncurrent loans to loans | 0.1141% | 4,455 |
| Net loans and leases to total assets | 70.2887% | 2,428 |
| Net loans and leases to deposits | 95.6943% | 1,064 |
| Net loans and leases to core deposits | 102.1621% | 1,511 |
| Total domestic deposits to total assets | 73.4513% | 5,198 |
| Equity capital to assets | 9.9964% | 3,597 |
| Core capital (leverage) ratio | 9.9557% | 3,583 |
| Tier 1 risk-based capital ratio | 14.6620% | 3,046 |
| Total risk-based capital ratio | 15.9197% | 2,952 |
| Memoranda: | ||
| Average total assets | $58,321,500 | 4,961 |
| Average earning assets | $55,868,000 | 4,913 |
| Average equity | $5,820,500 | 5,084 |
| Average total loans | $41,440,000 | 4,650 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 3,902 |
| Cost of funding earning assets | 0.7553% | 802 |
| Net interest margin | 3.0894% | 4,714 |
| Noninterest income to average assets | 0.1977% | 4,960 |
| Noninterest expense to average assets | 2.1944% | 4,541 |
| Loan and lease loss provision to assets | 0.0353% | 3,562 |
| Net operating income to assets | 0.8792% | 2,822 |
| Return on assets (ROA) | 0.8792% | 2,842 |
| Pretax return on assets | 0.9215% | 3,837 |
| Return on Equity (ROE) | 8.5140% | 2,532 |
| Retained earnings to average equity (ytd only) | 1.6754% | 4,297 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6359% | 2,615 |
| Assets per employee ($millions) | 5.3665% | 2,091 |
| Cash dividends to net income (ytd only)* | 80.3213% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 985 |
| Loan loss allowance to noncurrent loans | 759.7826% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,075 |
| Noncurrent loans to loans | 0.2208% | 4,024 |
| Net loans and leases to total assets | 69.4115% | 2,615 |
| Net loans and leases to deposits | 94.1305% | 1,258 |
| Net loans and leases to core deposits | 99.5602% | 1,747 |
| Total domestic deposits to total assets | 73.7397% | 5,203 |
| Equity capital to assets | 9.9641% | 3,742 |
| Core capital (leverage) ratio | 10.3155% | 3,055 |
| Tier 1 risk-based capital ratio | 14.2583% | 3,220 |
| Total risk-based capital ratio | 15.5149% | 3,112 |
| Memoranda: | ||
| Average total assets | $56,644,800 | 5,032 |
| Average earning assets | $54,153,200 | 4,994 |
| Average equity | $5,849,200 | 5,123 |
| Average total loans | $39,124,000 | 4,751 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,854 |
| Cost of funding earning assets | 0.7359% | 818 |
| Net interest margin | 3.1076% | 4,693 |
| Noninterest income to average assets | 0.1856% | 5,090 |
| Noninterest expense to average assets | 2.0767% | 4,785 |
| Loan and lease loss provision to assets | 0.0476% | 3,151 |
| Net operating income to assets | 0.9920% | 2,585 |
| Return on assets (ROA) | 0.9920% | 2,642 |
| Pretax return on assets | 1.0348% | 3,547 |
| Return on Equity (ROE) | 9.5187% | 2,339 |
| Retained earnings to average equity (ytd only) | 0.3881% | 5,133 |
| Net charge-offs to loans | -0.0069% | 4,534 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7380% | 3,258 |
| Assets per employee ($millions) | 5.5693% | 1,860 |
| Cash dividends to net income (ytd only)* | 95.9226% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 917 |
| Loan loss allowance to noncurrent loans | 745.7447% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,149 |
| Noncurrent loans to loans | 0.2365% | 4,110 |
| Net loans and leases to total assets | 70.1165% | 2,539 |
| Net loans and leases to deposits | 93.6114% | 1,337 |
| Net loans and leases to core deposits | 99.2603% | 1,772 |
| Total domestic deposits to total assets | 74.9017% | 5,137 |
| Equity capital to assets | 10.6225% | 3,243 |
| Core capital (leverage) ratio | 10.3796% | 3,102 |
| Tier 1 risk-based capital ratio | 14.2146% | 3,342 |
| Total risk-based capital ratio | 15.4701% | 3,243 |
| Memoranda: | ||
| Average total assets | $56,048,000 | 5,102 |
| Average earning assets | $53,630,250 | 5,058 |
| Average equity | $5,841,000 | 5,182 |
| Average total loans | $38,486,500 | 4,828 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 3,930 |
| Cost of funding earning assets | 0.7078% | 860 |
| Net interest margin | 3.0808% | 4,724 |
| Noninterest income to average assets | 0.1638% | 5,235 |
| Noninterest expense to average assets | 2.1258% | 4,729 |
| Loan and lease loss provision to assets | 0.0712% | 2,547 |
| Net operating income to assets | 0.8688% | 3,078 |
| Return on assets (ROA) | 0.8688% | 3,127 |
| Pretax return on assets | 0.9116% | 3,893 |
| Return on Equity (ROE) | 8.3906% | 2,832 |
| Retained earnings to average equity (ytd only) | -0.2063% | 5,107 |
| Net charge-offs to loans | -0.0053% | 4,350 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3849% | 2,940 |
| Assets per employee ($millions) | 5.5623% | 1,817 |
| Cash dividends to net income (ytd only)* | 102.4590% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 914 |
| Loan loss allowance to noncurrent loans | 744.6809% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 4,233 |
| Noncurrent loans to loans | 0.2397% | 4,169 |
| Net loans and leases to total assets | 69.2429% | 2,627 |
| Net loans and leases to deposits | 89.4616% | 1,807 |
| Net loans and leases to core deposits | 94.4643% | 2,111 |
| Total domestic deposits to total assets | 77.3996% | 4,902 |
| Equity capital to assets | 10.6287% | 3,198 |
| Core capital (leverage) ratio | 10.0932% | 3,414 |
| Tier 1 risk-based capital ratio | 13.8150% | 3,526 |
| Total risk-based capital ratio | 15.0712% | 3,443 |
| Memoranda: | ||
| Average total assets | $56,166,330 | 5,131 |
| Average earning assets | $53,686,670 | 5,093 |
| Average equity | $5,816,000 | 5,218 |
| Average total loans | $38,065,000 | 4,874 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,321 |
| Cost of funding earning assets | 0.6292% | 1,192 |
| Net interest margin | 3.0053% | 4,883 |
| Noninterest income to average assets | 0.1843% | 5,174 |
| Noninterest expense to average assets | 2.1688% | 4,726 |
| Loan and lease loss provision to assets | 0.0709% | 2,389 |
| Net operating income to assets | 0.7796% | 3,313 |
| Return on assets (ROA) | 0.7796% | 3,370 |
| Pretax return on assets | 0.8221% | 4,026 |
| Return on Equity (ROE) | 7.6283% | 3,102 |
| Retained earnings to average equity (ytd only) | -7.9750% | 5,522 |
| Net charge-offs to loans | -0.0107% | 4,454 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8333% | 2,771 |
| Assets per employee ($millions) | 5.2154% | 2,163 |
| Cash dividends to net income (ytd only)* | 204.5455% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 975 |
| Loan loss allowance to noncurrent loans | 1,326.9231% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,665 |
| Noncurrent loans to loans | 0.1348% | 4,651 |
| Net loans and leases to total assets | 66.0618% | 2,959 |
| Net loans and leases to deposits | 90.5159% | 1,477 |
| Net loans and leases to core deposits | 94.5230% | 1,935 |
| Total domestic deposits to total assets | 72.9837% | 5,491 |
| Equity capital to assets | 10.0106% | 3,747 |
| Core capital (leverage) ratio | 10.0670% | 3,418 |
| Tier 1 risk-based capital ratio | 13.6302% | 3,698 |
| Total risk-based capital ratio | 14.8838% | 3,605 |
| Memoranda: | ||
| Average total assets | $56,438,000 | 5,182 |
| Average earning assets | $54,037,500 | 5,137 |
| Average equity | $5,768,000 | 5,273 |
| Average total loans | $37,490,000 | 4,930 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 4,590 |
| Cost of funding earning assets | 0.5792% | 1,490 |
| Net interest margin | 2.9904% | 4,975 |
| Noninterest income to average assets | 0.2036% | 5,192 |
| Noninterest expense to average assets | 2.2400% | 4,677 |
| Loan and lease loss provision to assets | 0.0354% | 3,659 |
| Net operating income to assets | 0.7472% | 3,552 |
| Return on assets (ROA) | 0.7472% | 3,670 |
| Pretax return on assets | 0.7897% | 4,211 |
| Return on Equity (ROE) | 7.2156% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.9410% | 3,803 |
| Net charge-offs to loans | 0.0355% | 3,314 |
| Credit loss provision to net charge-offs | 153.8462% | 1,782 |
| Earnings coverage of net charge-offs (x) | 35.8462% | 1,273 |
| Efficiency ratio | 73.0791% | 2,421 |
| Assets per employee ($millions) | 5.0461% | 2,337 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 854 |
| Loan loss allowance to noncurrent loans | 1,358.0000% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 4,709 |
| Noncurrent loans to loans | 0.1374% | 4,680 |
| Net loans and leases to total assets | 64.3378% | 3,314 |
| Net loans and leases to deposits | 81.5696% | 2,717 |
| Net loans and leases to core deposits | 85.0104% | 2,928 |
| Total domestic deposits to total assets | 78.8747% | 4,821 |
| Equity capital to assets | 10.4365% | 3,225 |
| Core capital (leverage) ratio | 10.2670% | 3,147 |
| Tier 1 risk-based capital ratio | 16.2387% | 2,457 |
| Total risk-based capital ratio | 17.4973% | 2,390 |
| Memoranda: | ||
| Average total assets | $56,474,000 | 5,223 |
| Average earning assets | $54,040,400 | 5,172 |
| Average equity | $5,848,400 | 5,301 |
| Average total loans | $36,600,800 | 5,001 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 4,642 |
| Cost of funding earning assets | 0.5722% | 1,531 |
| Net interest margin | 2.9958% | 5,020 |
| Noninterest income to average assets | 0.1951% | 5,295 |
| Noninterest expense to average assets | 2.0993% | 5,008 |
| Loan and lease loss provision to assets | 0.0235% | 3,776 |
| Net operating income to assets | 0.8980% | 2,917 |
| Return on assets (ROA) | 0.8980% | 3,055 |
| Pretax return on assets | 0.9403% | 3,844 |
| Return on Equity (ROE) | 8.6881% | 2,670 |
| Retained earnings to average equity (ytd only) | 3.0023% | 4,115 |
| Net charge-offs to loans | 0.0691% | 2,334 |
| Credit loss provision to net charge-offs | 52.6316% | 2,998 |
| Earnings coverage of net charge-offs (x) | 21.5811% | 1,815 |
| Efficiency ratio | 68.5342% | 3,134 |
| Assets per employee ($millions) | 5.5806% | 1,769 |
| Cash dividends to net income (ytd only)* | 65.4461% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 1,057 |
| Loan loss allowance to noncurrent loans | 637.5000% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,443 |
| Noncurrent loans to loans | 0.2784% | 4,265 |
| Net loans and leases to total assets | 65.7456% | 3,168 |
| Net loans and leases to deposits | 81.6022% | 2,782 |
| Net loans and leases to core deposits | 85.5504% | 2,987 |
| Total domestic deposits to total assets | 80.5684% | 4,366 |
| Equity capital to assets | 10.6852% | 3,369 |
| Core capital (leverage) ratio | 10.3215% | 3,203 |
| Tier 1 risk-based capital ratio | 14.1473% | 3,481 |
| Total risk-based capital ratio | 15.4019% | 3,405 |
| Memoranda: | ||
| Average total assets | $56,715,750 | 5,263 |
| Average earning assets | $54,296,750 | 5,208 |
| Average equity | $5,862,250 | 5,357 |
| Average total loans | $36,653,250 | 5,034 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 4,751 |
| Cost of funding earning assets | 0.5505% | 1,695 |
| Net interest margin | 2.9981% | 5,087 |
| Noninterest income to average assets | 0.1613% | 5,513 |
| Noninterest expense to average assets | 2.0660% | 5,129 |
| Loan and lease loss provision to assets | 0.0351% | 3,450 |
| Net operating income to assets | 0.8839% | 2,942 |
| Return on assets (ROA) | 0.8839% | 3,062 |
| Pretax return on assets | 0.9260% | 3,853 |
| Return on Equity (ROE) | 8.6469% | 2,669 |
| Retained earnings to average equity (ytd only) | 0.9265% | 5,022 |
| Net charge-offs to loans | 0.1043% | 1,784 |
| Credit loss provision to net charge-offs | 52.6316% | 2,643 |
| Earnings coverage of net charge-offs (x) | 14.4211% | 2,059 |
| Efficiency ratio | 68.2503% | 3,286 |
| Assets per employee ($millions) | 5.0845% | 2,214 |
| Cash dividends to net income (ytd only)* | 89.2857% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,038 |
| Loan loss allowance to noncurrent loans | 1,326.0000% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,903 |
| Noncurrent loans to loans | 0.1377% | 4,886 |
| Net loans and leases to total assets | 63.7315% | 3,408 |
| Net loans and leases to deposits | 81.8259% | 2,727 |
| Net loans and leases to core deposits | 85.9102% | 2,908 |
| Total domestic deposits to total assets | 77.8866% | 5,021 |
| Equity capital to assets | 10.6168% | 3,514 |
| Core capital (leverage) ratio | 9.7985% | 3,810 |
| Tier 1 risk-based capital ratio | 13.7245% | 3,756 |
| Total risk-based capital ratio | 14.9788% | 3,686 |
| Memoranda: | ||
| Average total assets | $57,019,000 | 5,313 |
| Average earning assets | $54,500,670 | 5,259 |
| Average equity | $5,828,670 | 5,416 |
| Average total loans | $36,420,000 | 5,092 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,936 |
| Cost of funding earning assets | 0.4992% | 2,113 |
| Net interest margin | 2.9808% | 5,163 |
| Noninterest income to average assets | 0.1529% | 5,574 |
| Noninterest expense to average assets | 2.0708% | 5,173 |
| Loan and lease loss provision to assets | 0.0695% | 2,562 |
| Net operating income to assets | 0.8339% | 3,068 |
| Return on assets (ROA) | 0.8339% | 3,201 |
| Pretax return on assets | 0.8756% | 3,952 |
| Return on Equity (ROE) | 8.3131% | 2,755 |
| Retained earnings to average equity (ytd only) | -7.2740% | 5,729 |
| Net charge-offs to loans | 0.2193% | 926 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 2,210 |
| Efficiency ratio | 68.6636% | 3,351 |
| Assets per employee ($millions) | 5.3021% | 2,029 |
| Cash dividends to net income (ytd only)* | 187.5000% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 1,205 |
| Loan loss allowance to noncurrent loans | 1,141.3793% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,934 |
| Noncurrent loans to loans | 0.1553% | 4,860 |
| Net loans and leases to total assets | 62.8894% | 3,399 |
| Net loans and leases to deposits | 82.4803% | 2,488 |
| Net loans and leases to core deposits | 86.5091% | 2,704 |
| Total domestic deposits to total assets | 76.2478% | 5,384 |
| Equity capital to assets | 9.8623% | 4,263 |
| Core capital (leverage) ratio | 9.5706% | 4,076 |
| Tier 1 risk-based capital ratio | 13.3033% | 4,093 |
| Total risk-based capital ratio | 14.5585% | 4,018 |
| Memoranda: | ||
| Average total assets | $57,563,500 | 5,345 |
| Average earning assets | $55,287,500 | 5,289 |
| Average equity | $5,774,000 | 5,458 |
| Average total loans | $36,476,000 | 5,129 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,089 |
| Cost of funding earning assets | 0.5328% | 1,898 |
| Net interest margin | 2.9008% | 5,336 |
| Noninterest income to average assets | 0.2134% | 5,317 |
| Noninterest expense to average assets | 2.2478% | 4,927 |
| Loan and lease loss provision to assets | 0.0184% | 4,039 |
| Net operating income to assets | 0.6769% | 3,916 |
| Return on assets (ROA) | 0.6769% | 4,018 |
| Pretax return on assets | 0.7211% | 4,468 |
| Return on Equity (ROE) | 6.4365% | 3,817 |
| Retained earnings to average equity (ytd only) | 2.5011% | 4,292 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2463% | 2,390 |
| Assets per employee ($millions) | 5.1640% | 2,164 |
| Cash dividends to net income (ytd only)* | 61.1413% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 978 |
| Loan loss allowance to noncurrent loans | 819.5122% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,942 |
| Noncurrent loans to loans | 0.2303% | 4,601 |
| Net loans and leases to total assets | 61.5080% | 3,627 |
| Net loans and leases to deposits | 73.3473% | 3,568 |
| Net loans and leases to core deposits | 76.6727% | 3,696 |
| Total domestic deposits to total assets | 83.8585% | 3,542 |
| Equity capital to assets | 10.2035% | 3,746 |
| Core capital (leverage) ratio | 10.0050% | 3,498 |
| Tier 1 risk-based capital ratio | 13.7277% | 3,872 |
| Total risk-based capital ratio | 14.9832% | 3,799 |
| Memoranda: | ||
| Average total assets | $54,363,600 | 5,449 |
| Average earning assets | $51,985,600 | 5,390 |
| Average equity | $5,717,400 | 5,501 |
| Average total loans | $34,274,400 | 5,214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,121 |
| Cost of funding earning assets | 0.5528% | 1,779 |
| Net interest margin | 2.8859% | 5,439 |
| Noninterest income to average assets | 0.2108% | 5,384 |
| Noninterest expense to average assets | 2.0662% | 5,354 |
| Loan and lease loss provision to assets | 0.0248% | 3,769 |
| Net operating income to assets | 0.8334% | 3,261 |
| Return on assets (ROA) | 0.8334% | 3,345 |
| Pretax return on assets | 0.8781% | 4,057 |
| Return on Equity (ROE) | 7.8626% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.5975% | 4,564 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5906% | 3,270 |
| Assets per employee ($millions) | 5.5104% | 1,775 |
| Cash dividends to net income (ytd only)* | 66.9635% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 1,105 |
| Loan loss allowance to noncurrent loans | 829.6296% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 5,081 |
| Noncurrent loans to loans | 0.2271% | 4,751 |
| Net loans and leases to total assets | 63.5072% | 3,377 |
| Net loans and leases to deposits | 75.9292% | 3,313 |
| Net loans and leases to core deposits | 79.4943% | 3,462 |
| Total domestic deposits to total assets | 83.6400% | 3,553 |
| Equity capital to assets | 10.5219% | 3,580 |
| Core capital (leverage) ratio | 10.2799% | 3,273 |
| Tier 1 risk-based capital ratio | 13.8401% | 3,946 |
| Total risk-based capital ratio | 15.0963% | 3,881 |
| Memoranda: | ||
| Average total assets | $53,753,500 | 5,534 |
| Average earning assets | $51,374,500 | 5,476 |
| Average equity | $5,697,750 | 5,571 |
| Average total loans | $33,940,250 | 5,286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 5,084 |
| Cost of funding earning assets | 0.5673% | 1,664 |
| Net interest margin | 2.8915% | 5,461 |
| Noninterest income to average assets | 0.1726% | 5,668 |
| Noninterest expense to average assets | 2.1350% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7467% | 3,654 |
| Return on assets (ROA) | 0.7467% | 3,751 |
| Pretax return on assets | 0.7917% | 4,343 |
| Return on Equity (ROE) | 7.0264% | 3,592 |
| Retained earnings to average equity (ytd only) | -0.0353% | 5,513 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9487% | 2,852 |
| Assets per employee ($millions) | 5.2642% | 1,968 |
| Cash dividends to net income (ytd only)* | 100.5025% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0411% | 923 |
| Loan loss allowance to noncurrent loans | 788.0952% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,137 |
| Noncurrent loans to loans | 0.2590% | 4,750 |
| Net loans and leases to total assets | 60.3530% | 3,779 |
| Net loans and leases to deposits | 71.4613% | 3,762 |
| Net loans and leases to core deposits | 74.9404% | 3,858 |
| Total domestic deposits to total assets | 84.4554% | 3,368 |
| Equity capital to assets | 10.6892% | 3,228 |
| Core capital (leverage) ratio | 10.3495% | 3,146 |
| Tier 1 risk-based capital ratio | 14.2346% | 3,799 |
| Total risk-based capital ratio | 15.4898% | 3,722 |
| Memoranda: | ||
| Average total assets | $53,303,330 | 5,606 |
| Average earning assets | $50,769,330 | 5,545 |
| Average equity | $5,664,330 | 5,632 |
| Average total loans | $33,364,670 | 5,351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 5,038 |
| Cost of funding earning assets | 0.5781% | 1,594 |
| Net interest margin | 2.8906% | 5,477 |
| Noninterest income to average assets | 0.1566% | 5,802 |
| Noninterest expense to average assets | 2.1479% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7234% | 3,675 |
| Return on assets (ROA) | 0.7234% | 3,811 |
| Pretax return on assets | 0.7682% | 4,359 |
| Return on Equity (ROE) | 6.8274% | 3,595 |
| Retained earnings to average equity (ytd only) | -7.2497% | 6,047 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6573% | 2,870 |
| Assets per employee ($millions) | 5.2355% | 2,068 |
| Cash dividends to net income (ytd only)* | 206.1856% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 1,085 |
| Loan loss allowance to noncurrent loans | 778.8235% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 5,205 |
| Noncurrent loans to loans | 0.2566% | 4,866 |
| Net loans and leases to total assets | 62.0094% | 3,365 |
| Net loans and leases to deposits | 74.6699% | 3,205 |
| Net loans and leases to core deposits | 79.0595% | 3,276 |
| Total domestic deposits to total assets | 83.0446% | 4,168 |
| Equity capital to assets | 10.8032% | 3,188 |
| Core capital (leverage) ratio | 10.0474% | 3,537 |
| Tier 1 risk-based capital ratio | 14.8957% | 3,485 |
| Total risk-based capital ratio | 16.1513% | 3,421 |
| Memoranda: | ||
| Average total assets | $53,634,000 | 5,647 |
| Average earning assets | $51,201,000 | 5,583 |
| Average equity | $5,683,000 | 5,680 |
| Average total loans | $33,830,500 | 5,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4229% | 5,484 |
| Cost of funding earning assets | 0.5590% | 2,143 |
| Net interest margin | 2.8639% | 5,713 |
| Noninterest income to average assets | 0.2329% | 5,466 |
| Noninterest expense to average assets | 2.2057% | 5,345 |
| Loan and lease loss provision to assets | 0.0182% | 4,249 |
| Net operating income to assets | 0.6825% | 3,980 |
| Return on assets (ROA) | 0.6825% | 4,096 |
| Pretax return on assets | 0.7225% | 4,545 |
| Return on Equity (ROE) | 6.6776% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.2259% | 4,662 |
| Net charge-offs to loans | 0.0392% | 4,038 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 31.3077% | 1,294 |
| Efficiency ratio | 74.8610% | 2,681 |
| Assets per employee ($millions) | 5.4913% | 1,779 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 1,279 |
| Loan loss allowance to noncurrent loans | 778.8235% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 5,302 |
| Noncurrent loans to loans | 0.2461% | 4,950 |
| Net loans and leases to total assets | 61.6830% | 3,543 |
| Net loans and leases to deposits | 77.7059% | 3,006 |
| Net loans and leases to core deposits | 80.1989% | 3,276 |
| Total domestic deposits to total assets | 79.3801% | 5,170 |
| Equity capital to assets | 10.3983% | 3,611 |
| Core capital (leverage) ratio | 10.2163% | 3,291 |
| Tier 1 risk-based capital ratio | 14.3450% | 3,868 |
| Total risk-based capital ratio | 15.6023% | 3,801 |
| Memoranda: | ||
| Average total assets | $54,948,200 | 5,677 |
| Average earning assets | $52,061,800 | 5,620 |
| Average equity | $5,615,800 | 5,712 |
| Average total loans | $33,140,600 | 5,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 5,542 |
| Cost of funding earning assets | 0.5557% | 2,234 |
| Net interest margin | 2.8734% | 5,756 |
| Noninterest income to average assets | 0.2329% | 5,539 |
| Noninterest expense to average assets | 2.0379% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8734% | 3,059 |
| Return on assets (ROA) | 0.8734% | 3,151 |
| Pretax return on assets | 0.9171% | 3,918 |
| Return on Equity (ROE) | 8.5831% | 2,913 |
| Retained earnings to average equity (ytd only) | 2.6226% | 4,723 |
| Net charge-offs to loans | -0.0081% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 3,686 |
| Assets per employee ($millions) | 5.4161% | 1,802 |
| Cash dividends to net income (ytd only)* | 69.4452% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 1,241 |
| Loan loss allowance to noncurrent loans | 590.2655% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 5,266 |
| Noncurrent loans to loans | 0.3404% | 4,878 |
| Net loans and leases to total assets | 60.0543% | 3,777 |
| Net loans and leases to deposits | 73.8489% | 3,450 |
| Net loans and leases to core deposits | 76.1911% | 3,718 |
| Total domestic deposits to total assets | 81.3205% | 4,727 |
| Equity capital to assets | 10.6073% | 3,424 |
| Core capital (leverage) ratio | 10.0618% | 3,582 |
| Tier 1 risk-based capital ratio | 14.8566% | 3,675 |
| Total risk-based capital ratio | 16.1133% | 3,608 |
| Memoranda: | ||
| Average total assets | $54,957,000 | 5,736 |
| Average earning assets | $52,062,500 | 5,682 |
| Average equity | $5,592,250 | 5,777 |
| Average total loans | $32,792,250 | 5,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4119% | 5,602 |
| Cost of funding earning assets | 0.5546% | 2,309 |
| Net interest margin | 2.8573% | 5,806 |
| Noninterest income to average assets | 0.2282% | 5,572 |
| Noninterest expense to average assets | 1.9738% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9163% | 2,724 |
| Return on assets (ROA) | 0.9163% | 2,826 |
| Pretax return on assets | 0.9598% | 3,645 |
| Return on Equity (ROE) | 9.1314% | 2,534 |
| Retained earnings to average equity (ytd only) | 0.1083% | 5,650 |
| Net charge-offs to loans | -0.0061% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2840% | 4,147 |
| Assets per employee ($millions) | 5.3387% | 1,838 |
| Cash dividends to net income (ytd only)* | 98.8142% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 1,196 |
| Loan loss allowance to noncurrent loans | 616.6667% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,408 |
| Noncurrent loans to loans | 0.3387% | 4,993 |
| Net loans and leases to total assets | 58.4768% | 3,925 |
| Net loans and leases to deposits | 69.9397% | 3,832 |
| Net loans and leases to core deposits | 72.1243% | 4,040 |
| Total domestic deposits to total assets | 83.6102% | 4,071 |
| Equity capital to assets | 10.5475% | 3,384 |
| Core capital (leverage) ratio | 9.8159% | 3,865 |
| Tier 1 risk-based capital ratio | 14.7780% | 3,761 |
| Total risk-based capital ratio | 16.0365% | 3,709 |
| Memoranda: | ||
| Average total assets | $55,222,330 | 5,783 |
| Average earning assets | $52,287,670 | 5,725 |
| Average equity | $5,541,330 | 5,825 |
| Average total loans | $32,658,670 | 5,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 5,697 |
| Cost of funding earning assets | 0.5416% | 2,486 |
| Net interest margin | 2.8357% | 5,869 |
| Noninterest income to average assets | 0.2351% | 5,482 |
| Noninterest expense to average assets | 2.0093% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8693% | 2,799 |
| Return on assets (ROA) | 0.8693% | 2,867 |
| Pretax return on assets | 0.9120% | 3,655 |
| Return on Equity (ROE) | 8.8784% | 2,524 |
| Retained earnings to average equity (ytd only) | -9.3150% | 6,335 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7805% | 4,047 |
| Assets per employee ($millions) | 5.4683% | 1,737 |
| Cash dividends to net income (ytd only)* | 204.9180% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 1,312 |
| Loan loss allowance to noncurrent loans | 645.6311% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 5,564 |
| Noncurrent loans to loans | 0.3265% | 5,129 |
| Net loans and leases to total assets | 56.4764% | 4,083 |
| Net loans and leases to deposits | 66.9202% | 3,983 |
| Net loans and leases to core deposits | 68.4798% | 4,259 |
| Total domestic deposits to total assets | 84.3937% | 4,127 |
| Equity capital to assets | 9.9610% | 3,888 |
| Core capital (leverage) ratio | 9.3881% | 4,438 |
| Tier 1 risk-based capital ratio | 14.6003% | 3,947 |
| Total risk-based capital ratio | 15.8580% | 3,891 |
| Memoranda: | ||
| Average total assets | $56,140,000 | 5,810 |
| Average earning assets | $53,178,500 | 5,757 |
| Average equity | $5,496,500 | 5,866 |
| Average total loans | $33,045,500 | 5,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 5,994 |
| Cost of funding earning assets | 0.6449% | 2,250 |
| Net interest margin | 2.6628% | 6,189 |
| Noninterest income to average assets | 0.2957% | 5,238 |
| Noninterest expense to average assets | 2.0272% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7341% | 3,641 |
| Return on assets (ROA) | 0.7341% | 3,719 |
| Pretax return on assets | 0.7732% | 4,250 |
| Return on Equity (ROE) | 7.8835% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.1462% | 2,503 |
| Net charge-offs to loans | 0.0830% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.8519% | 1,766 |
| Efficiency ratio | 72.3908% | 3,401 |
| Assets per employee ($millions) | 5.7597% | 1,435 |
| Cash dividends to net income (ytd only)* | 34.7222% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9251% | 1,723 |
| Loan loss allowance to noncurrent loans | 639.4231% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,674 |
| Noncurrent loans to loans | 0.3011% | 5,283 |
| Net loans and leases to total assets | 58.8190% | 3,903 |
| Net loans and leases to deposits | 73.4260% | 3,341 |
| Net loans and leases to core deposits | 75.1358% | 3,712 |
| Total domestic deposits to total assets | 80.1066% | 5,424 |
| Equity capital to assets | 9.6290% | 4,245 |
| Core capital (leverage) ratio | 9.1078% | 4,845 |
| Tier 1 risk-based capital ratio | 14.0342% | 4,273 |
| Total risk-based capital ratio | 15.2904% | 4,211 |
| Memoranda: | ||
| Average total assets | $58,848,600 | 5,785 |
| Average earning assets | $55,354,600 | 5,721 |
| Average equity | $5,479,800 | 5,936 |
| Average total loans | $32,527,800 | 5,645 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 6,082 |
| Cost of funding earning assets | 0.6644% | 2,221 |
| Net interest margin | 2.6193% | 6,294 |
| Noninterest income to average assets | 0.3223% | 5,109 |
| Noninterest expense to average assets | 1.8412% | 6,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8879% | 2,895 |
| Return on assets (ROA) | 0.8879% | 3,011 |
| Pretax return on assets | 0.9420% | 3,717 |
| Return on Equity (ROE) | 9.6155% | 2,347 |
| Retained earnings to average equity (ytd only) | 5.9549% | 2,442 |
| Net charge-offs to loans | 0.0333% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 52.2324% | 841 |
| Efficiency ratio | 66.1538% | 4,450 |
| Assets per employee ($millions) | 6.0362% | 1,219 |
| Cash dividends to net income (ytd only)* | 38.0720% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1756% | 1,368 |
| Loan loss allowance to noncurrent loans | 475.0000% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 5,648 |
| Noncurrent loans to loans | 0.4580% | 5,047 |
| Net loans and leases to total assets | 50.9526% | 5,010 |
| Net loans and leases to deposits | 63.4223% | 4,578 |
| Net loans and leases to core deposits | 64.8259% | 4,813 |
| Total domestic deposits to total assets | 80.3386% | 5,416 |
| Equity capital to assets | 9.1647% | 4,980 |
| Core capital (leverage) ratio | 8.7958% | 5,420 |
| Tier 1 risk-based capital ratio | 14.3042% | 4,210 |
| Total risk-based capital ratio | 15.5614% | 4,155 |
| Memoranda: | ||
| Average total assets | $59,161,500 | 5,842 |
| Average earning assets | $55,586,250 | 5,771 |
| Average equity | $5,463,250 | 6,017 |
| Average total loans | $32,024,000 | 5,719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3208% | 6,056 |
| Cost of funding earning assets | 0.6736% | 2,274 |
| Net interest margin | 2.6472% | 6,273 |
| Noninterest income to average assets | 0.3608% | 4,808 |
| Noninterest expense to average assets | 1.8311% | 6,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9462% | 2,588 |
| Return on assets (ROA) | 0.9462% | 2,734 |
| Pretax return on assets | 1.0041% | 3,494 |
| Return on Equity (ROE) | 10.2200% | 2,120 |
| Retained earnings to average equity (ytd only) | 4.7056% | 3,257 |
| Net charge-offs to loans | 0.0497% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 984 |
| Efficiency ratio | 64.5858% | 4,777 |
| Assets per employee ($millions) | 5.8337% | 1,322 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1684% | 1,488 |
| Loan loss allowance to noncurrent loans | 605.3097% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 5,838 |
| Noncurrent loans to loans | 0.3582% | 5,383 |
| Net loans and leases to total assets | 52.8995% | 4,754 |
| Net loans and leases to deposits | 66.6782% | 4,188 |
| Net loans and leases to core deposits | 68.2245% | 4,471 |
| Total domestic deposits to total assets | 79.3356% | 5,746 |
| Equity capital to assets | 9.1897% | 5,004 |
| Core capital (leverage) ratio | 8.7433% | 5,362 |
| Tier 1 risk-based capital ratio | 14.2410% | 4,264 |
| Total risk-based capital ratio | 15.4932% | 4,217 |
| Memoranda: | ||
| Average total assets | $58,761,330 | 5,887 |
| Average earning assets | $54,926,330 | 5,828 |
| Average equity | $5,440,330 | 6,063 |
| Average total loans | $32,218,670 | 5,745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 5,989 |
| Cost of funding earning assets | 0.6977% | 2,238 |
| Net interest margin | 2.6807% | 6,247 |
| Noninterest income to average assets | 0.2170% | 5,921 |
| Noninterest expense to average assets | 1.7839% | 6,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8546% | 2,882 |
| Return on assets (ROA) | 0.8546% | 3,016 |
| Pretax return on assets | 0.9089% | 3,722 |
| Return on Equity (ROE) | 9.1971% | 2,396 |
| Retained earnings to average equity (ytd only) | -1.7518% | 6,050 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2469% | 4,626 |
| Assets per employee ($millions) | 5.8403% | 1,381 |
| Cash dividends to net income (ytd only)* | 119.0476% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2376% | 1,508 |
| Loan loss allowance to noncurrent loans | 1,647.6190% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 6,294 |
| Noncurrent loans to loans | 0.1358% | 6,059 |
| Net loans and leases to total assets | 51.7679% | 4,739 |
| Net loans and leases to deposits | 64.7908% | 4,212 |
| Net loans and leases to core deposits | 66.2808% | 4,497 |
| Total domestic deposits to total assets | 79.9000% | 5,776 |
| Equity capital to assets | 9.3403% | 5,076 |
| Core capital (leverage) ratio | 8.4998% | 5,593 |
| Tier 1 risk-based capital ratio | 13.7891% | 4,660 |
| Total risk-based capital ratio | 15.0464% | 4,616 |
| Memoranda: | ||
| Average total assets | $58,973,500 | 5,929 |
| Average earning assets | $54,464,000 | 5,892 |
| Average equity | $5,480,000 | 6,108 |
| Average total loans | $32,556,000 | 5,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 5,307 |
| Cost of funding earning assets | 0.8810% | 2,065 |
| Net interest margin | 3.1179% | 5,773 |
| Noninterest income to average assets | 0.2158% | 5,884 |
| Noninterest expense to average assets | 2.1931% | 5,938 |
| Loan and lease loss provision to assets | 0.0439% | 5,300 |
| Net operating income to assets | 0.7246% | 3,625 |
| Return on assets (ROA) | 0.7246% | 3,872 |
| Pretax return on assets | 0.7667% | 4,424 |
| Return on Equity (ROE) | 7.5783% | 3,302 |
| Retained earnings to average equity (ytd only) | 0.2385% | 5,733 |
| Net charge-offs to loans | -0.0060% | 6,402 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0140% | 3,238 |
| Assets per employee ($millions) | 5.9544% | 1,314 |
| Cash dividends to net income (ytd only)* | 96.8523% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,958 |
| Loan loss allowance to noncurrent loans | 3,008.6957% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 6,451 |
| Noncurrent loans to loans | 0.0673% | 6,321 |
| Net loans and leases to total assets | 56.2508% | 4,246 |
| Net loans and leases to deposits | 70.2018% | 3,682 |
| Net loans and leases to core deposits | 71.1639% | 4,147 |
| Total domestic deposits to total assets | 80.1273% | 5,630 |
| Equity capital to assets | 9.2453% | 5,214 |
| Core capital (leverage) ratio | 8.7761% | 5,216 |
| Tier 1 risk-based capital ratio | 13.5942% | 4,676 |
| Total risk-based capital ratio | 14.8440% | 4,627 |
| Memoranda: | ||
| Average total assets | $56,997,200 | 5,997 |
| Average earning assets | $50,963,400 | 6,013 |
| Average equity | $5,449,800 | 6,164 |
| Average total loans | $33,310,600 | 5,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 5,259 |
| Cost of funding earning assets | 0.9146% | 2,074 |
| Net interest margin | 3.1668% | 5,779 |
| Noninterest income to average assets | 0.2153% | 6,000 |
| Noninterest expense to average assets | 2.1457% | 6,077 |
| Loan and lease loss provision to assets | 0.0591% | 4,988 |
| Net operating income to assets | 0.7972% | 3,469 |
| Return on assets (ROA) | 0.7972% | 3,707 |
| Pretax return on assets | 0.8445% | 4,323 |
| Return on Equity (ROE) | 8.2656% | 3,157 |
| Retained earnings to average equity (ytd only) | 0.9075% | 5,806 |
| Net charge-offs to loans | -0.0081% | 6,328 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3646% | 3,618 |
| Assets per employee ($millions) | 5.7783% | 1,392 |
| Cash dividends to net income (ytd only)* | 89.0212% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,883 |
| Loan loss allowance to noncurrent loans | 5,323.0769% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 6,628 |
| Noncurrent loans to loans | 0.0396% | 6,521 |
| Net loans and leases to total assets | 55.5596% | 4,513 |
| Net loans and leases to deposits | 70.7854% | 3,789 |
| Net loans and leases to core deposits | 71.8066% | 4,276 |
| Total domestic deposits to total assets | 78.4902% | 5,968 |
| Equity capital to assets | 9.6482% | 4,997 |
| Core capital (leverage) ratio | 8.9675% | 5,110 |
| Tier 1 risk-based capital ratio | 14.3296% | 4,313 |
| Total risk-based capital ratio | 15.5872% | 4,276 |
| Memoranda: | ||
| Average total assets | $56,360,500 | 6,080 |
| Average earning assets | $50,439,250 | 6,102 |
| Average equity | $5,436,000 | 6,234 |
| Average total loans | $33,091,750 | 5,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 5,284 |
| Cost of funding earning assets | 0.9316% | 2,172 |
| Net interest margin | 3.1794% | 5,801 |
| Noninterest income to average assets | 0.2076% | 6,075 |
| Noninterest expense to average assets | 2.2295% | 5,926 |
| Loan and lease loss provision to assets | 0.0895% | 4,451 |
| Net operating income to assets | 0.7122% | 3,802 |
| Return on assets (ROA) | 0.7122% | 4,071 |
| Pretax return on assets | 0.7587% | 4,614 |
| Return on Equity (ROE) | 7.3845% | 3,571 |
| Retained earnings to average equity (ytd only) | -3.7479% | 6,534 |
| Net charge-offs to loans | -0.0060% | 6,199 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4419% | 3,353 |
| Assets per employee ($millions) | 5.0758% | 2,065 |
| Cash dividends to net income (ytd only)* | 150.7538% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 2,035 |
| Loan loss allowance to noncurrent loans | 5,315.3846% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 6,695 |
| Noncurrent loans to loans | 0.0391% | 6,583 |
| Net loans and leases to total assets | 58.2566% | 4,116 |
| Net loans and leases to deposits | 74.6889% | 3,173 |
| Net loans and leases to core deposits | 75.8117% | 3,784 |
| Total domestic deposits to total assets | 77.9991% | 6,154 |
| Equity capital to assets | 9.7270% | 4,722 |
| Core capital (leverage) ratio | 8.7733% | 5,263 |
| Tier 1 risk-based capital ratio | 13.8978% | 4,528 |
| Total risk-based capital ratio | 15.1571% | 4,492 |
| Memoranda: | ||
| Average total assets | $55,886,330 | 6,138 |
| Average earning assets | $50,450,000 | 6,141 |
| Average equity | $5,389,670 | 6,268 |
| Average total loans | $33,190,330 | 5,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 5,351 |
| Cost of funding earning assets | 0.9638% | 2,208 |
| Net interest margin | 3.1679% | 5,852 |
| Noninterest income to average assets | 0.2432% | 5,896 |
| Noninterest expense to average assets | 2.2893% | 5,794 |
| Loan and lease loss provision to assets | 0.1073% | 4,008 |
| Net operating income to assets | 0.6796% | 3,981 |
| Return on assets (ROA) | 0.6796% | 4,199 |
| Pretax return on assets | 0.7154% | 4,740 |
| Return on Equity (ROE) | 7.0777% | 3,742 |
| Retained earnings to average equity (ytd only) | -15.2729% | 6,978 |
| Net charge-offs to loans | 0.4099% | 2,077 |
| Credit loss provision to net charge-offs | 44.1176% | 3,376 |
| Earnings coverage of net charge-offs (x) | 3.3824% | 2,859 |
| Efficiency ratio | 73.5632% | 3,166 |
| Assets per employee ($millions) | 5.2837% | 1,904 |
| Cash dividends to net income (ytd only)* | 315.7895% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 2,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,835 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.5754% | 4,459 |
| Net loans and leases to deposits | 70.2211% | 3,706 |
| Net loans and leases to core deposits | 71.6320% | 4,206 |
| Total domestic deposits to total assets | 79.1435% | 6,043 |
| Equity capital to assets | 9.1051% | 5,353 |
| Core capital (leverage) ratio | 8.7069% | 5,284 |
| Tier 1 risk-based capital ratio | 13.6770% | 4,698 |
| Total risk-based capital ratio | 14.8666% | 4,724 |
| Memoranda: | ||
| Average total assets | $55,912,500 | 6,179 |
| Average earning assets | $50,633,000 | 6,166 |
| Average equity | $5,369,000 | 6,313 |
| Average total loans | $33,176,500 | 5,951 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 5,806 |
| Cost of funding earning assets | 1.0892% | 2,746 |
| Net interest margin | 3.1956% | 6,108 |
| Noninterest income to average assets | 0.2876% | 5,478 |
| Noninterest expense to average assets | 2.2882% | 6,072 |
| Loan and lease loss provision to assets | 0.2028% | 4,154 |
| Net operating income to assets | 0.7947% | 3,059 |
| Return on assets (ROA) | 0.7947% | 3,226 |
| Pretax return on assets | 0.8261% | 3,885 |
| Return on Equity (ROE) | 8.2703% | 2,776 |
| Retained earnings to average equity (ytd only) | 2.5137% | 4,439 |
| Net charge-offs to loans | 0.3173% | 3,805 |
| Credit loss provision to net charge-offs | 102.8037% | 3,364 |
| Earnings coverage of net charge-offs (x) | 5.2150% | 2,865 |
| Efficiency ratio | 68.9828% | 4,154 |
| Assets per employee ($millions) | 4.4753% | 2,958 |
| Cash dividends to net income (ytd only)* | 69.6056% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 2,311 |
| Loan loss allowance to noncurrent loans | 22,166.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,872 |
| Noncurrent loans to loans | 0.0090% | 6,834 |
| Net loans and leases to total assets | 60.9657% | 3,797 |
| Net loans and leases to deposits | 81.4595% | 2,280 |
| Net loans and leases to core deposits | 83.3274% | 2,978 |
| Total domestic deposits to total assets | 74.8417% | 6,625 |
| Equity capital to assets | 10.1408% | 3,983 |
| Core capital (leverage) ratio | 9.2188% | 4,439 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,811 |
| Total risk-based capital ratio | 15.9874% | 3,776 |
| Memoranda: | ||
| Average total assets | $54,234,000 | 6,224 |
| Average earning assets | $51,414,800 | 6,146 |
| Average equity | $5,211,400 | 6,381 |
| Average total loans | $33,717,000 | 5,965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 5,985 |
| Cost of funding earning assets | 1.1153% | 2,879 |
| Net interest margin | 3.1727% | 6,225 |
| Noninterest income to average assets | 0.3041% | 5,432 |
| Noninterest expense to average assets | 2.1802% | 6,321 |
| Loan and lease loss provision to assets | 0.2698% | 3,346 |
| Net operating income to assets | 0.8044% | 3,134 |
| Return on assets (ROA) | 0.8044% | 3,303 |
| Pretax return on assets | 0.8608% | 3,911 |
| Return on Equity (ROE) | 8.4871% | 2,824 |
| Retained earnings to average equity (ytd only) | 0.7245% | 5,725 |
| Net charge-offs to loans | 0.4221% | 3,035 |
| Credit loss provision to net charge-offs | 102.8037% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.3085% | 3,111 |
| Efficiency ratio | 65.8519% | 4,746 |
| Assets per employee ($millions) | 5.0054% | 2,185 |
| Cash dividends to net income (ytd only)* | 91.4639% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,500 |
| Loan loss allowance to noncurrent loans | 700.0000% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 6,365 |
| Noncurrent loans to loans | 0.2773% | 6,311 |
| Net loans and leases to total assets | 61.0145% | 3,937 |
| Net loans and leases to deposits | 85.6575% | 1,725 |
| Net loans and leases to core deposits | 87.6716% | 2,534 |
| Total domestic deposits to total assets | 71.2309% | 6,978 |
| Equity capital to assets | 9.8621% | 4,532 |
| Core capital (leverage) ratio | 9.1095% | 4,774 |
| Tier 1 risk-based capital ratio | 14.1730% | 4,220 |
| Total risk-based capital ratio | 15.4493% | 4,171 |
| Memoranda: | ||
| Average total assets | $54,366,500 | 6,269 |
| Average earning assets | $51,522,250 | 6,184 |
| Average equity | $5,152,750 | 6,453 |
| Average total loans | $33,794,750 | 6,027 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 6,066 |
| Cost of funding earning assets | 1.1578% | 2,854 |
| Net interest margin | 3.1265% | 6,350 |
| Noninterest income to average assets | 0.3140% | 5,387 |
| Noninterest expense to average assets | 2.1317% | 6,535 |
| Loan and lease loss provision to assets | 0.1108% | 4,910 |
| Net operating income to assets | 0.9790% | 2,315 |
| Return on assets (ROA) | 0.9790% | 2,413 |
| Pretax return on assets | 1.0344% | 3,102 |
| Return on Equity (ROE) | 10.4736% | 1,953 |
| Retained earnings to average equity (ytd only) | -1.3833% | 6,132 |
| Net charge-offs to loans | 0.0476% | 5,181 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 759 |
| Efficiency ratio | 65.0507% | 5,052 |
| Assets per employee ($millions) | 5.4242% | 1,632 |
| Cash dividends to net income (ytd only)* | 113.2075% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,378 |
| Loan loss allowance to noncurrent loans | 382.1229% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 6,051 |
| Noncurrent loans to loans | 0.5229% | 5,859 |
| Net loans and leases to total assets | 61.8543% | 3,914 |
| Net loans and leases to deposits | 83.7707% | 2,140 |
| Net loans and leases to core deposits | 85.6986% | 2,954 |
| Total domestic deposits to total assets | 73.8376% | 6,858 |
| Equity capital to assets | 9.6272% | 4,630 |
| Core capital (leverage) ratio | 8.9415% | 4,820 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,959 |
| Total risk-based capital ratio | 15.5311% | 3,929 |
| Memoranda: | ||
| Average total assets | $54,135,670 | 6,327 |
| Average earning assets | $51,303,330 | 6,241 |
| Average equity | $5,060,330 | 6,512 |
| Average total loans | $33,640,000 | 6,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 6,107 |
| Cost of funding earning assets | 1.1978% | 2,833 |
| Net interest margin | 3.0688% | 6,421 |
| Noninterest income to average assets | 0.3180% | 5,379 |
| Noninterest expense to average assets | 2.1301% | 6,565 |
| Loan and lease loss provision to assets | 0.0740% | 5,074 |
| Net operating income to assets | 0.9615% | 2,311 |
| Return on assets (ROA) | 0.9615% | 2,378 |
| Pretax return on assets | 1.0133% | 3,083 |
| Return on Equity (ROE) | 10.4428% | 1,937 |
| Retained earnings to average equity (ytd only) | -13.6560% | 7,000 |
| Net charge-offs to loans | 0.0960% | 3,986 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 18.3750% | 1,183 |
| Efficiency ratio | 66.2069% | 5,000 |
| Assets per employee ($millions) | 4.9986% | 2,165 |
| Cash dividends to net income (ytd only)* | 230.7692% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 2,372 |
| Loan loss allowance to noncurrent loans | 3,688.8889% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 6,820 |
| Noncurrent loans to loans | 0.0546% | 6,909 |
| Net loans and leases to total assets | 58.7269% | 4,509 |
| Net loans and leases to deposits | 80.4059% | 2,637 |
| Net loans and leases to core deposits | 82.2491% | 3,423 |
| Total domestic deposits to total assets | 73.0381% | 6,996 |
| Equity capital to assets | 8.9915% | 5,211 |
| Core capital (leverage) ratio | 8.7145% | 5,063 |
| Tier 1 risk-based capital ratio | 14.0797% | 4,020 |
| Total risk-based capital ratio | 15.3380% | 3,990 |
| Memoranda: | ||
| Average total assets | $54,082,500 | 6,370 |
| Average earning assets | $51,095,500 | 6,302 |
| Average equity | $4,979,500 | 6,572 |
| Average total loans | $33,342,500 | 6,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7561% | 5,598 |
| Cost of funding earning assets | 1.3482% | 3,587 |
| Net interest margin | 3.4079% | 5,596 |
| Noninterest income to average assets | 0.3403% | 5,357 |
| Noninterest expense to average assets | 2.5176% | 5,723 |
| Loan and lease loss provision to assets | 0.0812% | 6,338 |
| Net operating income to assets | 0.9688% | 2,135 |
| Return on assets (ROA) | 0.9688% | 2,257 |
| Pretax return on assets | 1.0113% | 2,896 |
| Return on Equity (ROE) | 9.9571% | 1,945 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,070 |
| Net charge-offs to loans | -0.0060% | 7,281 |
| Credit loss provision to net charge-offs | -2,100.0000% | 7,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7375% | 4,232 |
| Assets per employee ($millions) | 4.8345% | 2,373 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 2,396 |
| Loan loss allowance to noncurrent loans | 3,677.7778% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 6,717 |
| Noncurrent loans to loans | 0.0534% | 6,994 |
| Net loans and leases to total assets | 62.1813% | 4,244 |
| Net loans and leases to deposits | 91.5504% | 1,316 |
| Net loans and leases to core deposits | 93.8738% | 2,272 |
| Total domestic deposits to total assets | 67.9203% | 7,326 |
| Equity capital to assets | 9.4302% | 4,500 |
| Core capital (leverage) ratio | 9.1985% | 4,169 |
| Tier 1 risk-based capital ratio | 13.6880% | 4,069 |
| Total risk-based capital ratio | 14.9443% | 4,039 |
| Memoranda: | ||
| Average total assets | $51,715,200 | 6,474 |
| Average earning assets | $49,620,000 | 6,380 |
| Average equity | $5,031,600 | 6,655 |
| Average total loans | $33,464,000 | 6,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 5,534 |
| Cost of funding earning assets | 1.3754% | 3,738 |
| Net interest margin | 3.4574% | 5,463 |
| Noninterest income to average assets | 0.3531% | 5,341 |
| Noninterest expense to average assets | 2.2954% | 6,342 |
| Loan and lease loss provision to assets | 0.1091% | 5,942 |
| Net operating income to assets | 1.2048% | 1,578 |
| Return on assets (ROA) | 1.2048% | 1,662 |
| Pretax return on assets | 1.2645% | 2,283 |
| Return on Equity (ROE) | 12.2852% | 1,428 |
| Retained earnings to average equity (ytd only) | 4.3422% | 3,440 |
| Net charge-offs to loans | -0.0040% | 7,195 |
| Credit loss provision to net charge-offs | -4,200.0000% | 7,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5619% | 5,512 |
| Assets per employee ($millions) | 5.2539% | 1,867 |
| Cash dividends to net income (ytd only)* | 64.6553% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 2,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 6,936 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.6955% | 4,181 |
| Net loans and leases to deposits | 90.5414% | 1,645 |
| Net loans and leases to core deposits | 93.4437% | 2,601 |
| Total domestic deposits to total assets | 70.3496% | 7,256 |
| Equity capital to assets | 9.9850% | 4,173 |
| Core capital (leverage) ratio | 9.3519% | 4,131 |
| Tier 1 risk-based capital ratio | 13.6454% | 4,085 |
| Total risk-based capital ratio | 14.8961% | 4,036 |
| Memoranda: | ||
| Average total assets | $51,349,000 | 6,563 |
| Average earning assets | $49,245,000 | 6,465 |
| Average equity | $5,035,750 | 6,741 |
| Average total loans | $33,397,500 | 6,324 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 5,518 |
| Cost of funding earning assets | 1.3992% | 3,875 |
| Net interest margin | 3.4735% | 5,351 |
| Noninterest income to average assets | 0.3533% | 5,321 |
| Noninterest expense to average assets | 2.1981% | 6,654 |
| Loan and lease loss provision to assets | 0.1060% | 5,855 |
| Net operating income to assets | 1.3228% | 1,252 |
| Return on assets (ROA) | 1.3228% | 1,324 |
| Pretax return on assets | 1.3817% | 1,881 |
| Return on Equity (ROE) | 13.5732% | 1,123 |
| Retained earnings to average equity (ytd only) | 3.5041% | 3,878 |
| Net charge-offs to loans | -0.0060% | 7,127 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6379% | 6,113 |
| Assets per employee ($millions) | 5.1326% | 2,011 |
| Cash dividends to net income (ytd only)* | 74.1840% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 2,451 |
| Loan loss allowance to noncurrent loans | 2,691.6667% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,846 |
| Noncurrent loans to loans | 0.0701% | 7,138 |
| Net loans and leases to total assets | 65.4775% | 3,944 |
| Net loans and leases to deposits | 92.0235% | 1,526 |
| Net loans and leases to core deposits | 94.3275% | 2,667 |
| Total domestic deposits to total assets | 71.1530% | 7,252 |
| Equity capital to assets | 9.8624% | 4,179 |
| Core capital (leverage) ratio | 9.3542% | 4,035 |
| Tier 1 risk-based capital ratio | 13.6263% | 3,988 |
| Total risk-based capital ratio | 14.8839% | 3,945 |
| Memoranda: | ||
| Average total assets | $50,952,330 | 6,616 |
| Average earning assets | $48,884,330 | 6,509 |
| Average equity | $4,965,670 | 6,788 |
| Average total loans | $33,154,670 | 6,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 5,403 |
| Cost of funding earning assets | 1.4503% | 3,879 |
| Net interest margin | 3.4609% | 5,333 |
| Noninterest income to average assets | 0.3861% | 5,031 |
| Noninterest expense to average assets | 2.2929% | 6,399 |
| Loan and lease loss provision to assets | 0.1182% | 5,414 |
| Net operating income to assets | 1.2292% | 1,464 |
| Return on assets (ROA) | 1.2292% | 1,541 |
| Pretax return on assets | 1.2843% | 2,094 |
| Return on Equity (ROE) | 12.6894% | 1,326 |
| Retained earnings to average equity (ytd only) | -7.6462% | 6,800 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0469% | 5,823 |
| Assets per employee ($millions) | 4.6405% | 2,730 |
| Cash dividends to net income (ytd only)* | 160.2564% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 2,302 |
| Loan loss allowance to noncurrent loans | 2,532.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 6,901 |
| Noncurrent loans to loans | 0.0771% | 7,202 |
| Net loans and leases to total assets | 62.2576% | 4,706 |
| Net loans and leases to deposits | 86.9732% | 2,409 |
| Net loans and leases to core deposits | 89.1295% | 3,479 |
| Total domestic deposits to total assets | 71.5825% | 7,303 |
| Equity capital to assets | 9.5169% | 4,509 |
| Core capital (leverage) ratio | 9.1465% | 4,304 |
| Tier 1 risk-based capital ratio | 13.5443% | 3,960 |
| Total risk-based capital ratio | 14.8022% | 3,916 |
| Memoranda: | ||
| Average total assets | $50,765,500 | 6,708 |
| Average earning assets | $48,542,500 | 6,608 |
| Average equity | $4,917,500 | 6,870 |
| Average total loans | $32,605,500 | 6,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 5,887 |
| Cost of funding earning assets | 1.7633% | 4,182 |
| Net interest margin | 3.3849% | 5,430 |
| Noninterest income to average assets | 0.4996% | 4,417 |
| Noninterest expense to average assets | 2.6198% | 5,713 |
| Loan and lease loss provision to assets | 0.0203% | 7,300 |
| Net operating income to assets | 1.0507% | 1,664 |
| Return on assets (ROA) | 1.0642% | 1,659 |
| Pretax return on assets | 1.1251% | 2,172 |
| Return on Equity (ROE) | 10.8953% | 1,455 |
| Retained earnings to average equity (ytd only) | 3.6179% | 2,652 |
| Net charge-offs to loans | 0.0565% | 6,533 |
| Credit loss provision to net charge-offs | 55.5556% | 6,684 |
| Earnings coverage of net charge-offs (x) | 30.9444% | 746 |
| Efficiency ratio | 69.8430% | 4,657 |
| Assets per employee ($millions) | 4.5895% | 2,783 |
| Cash dividends to net income (ytd only)* | 66.7939% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 2,302 |
| Loan loss allowance to noncurrent loans | 30,900.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 7,008 |
| Noncurrent loans to loans | 0.0061% | 7,430 |
| Net loans and leases to total assets | 63.7417% | 4,645 |
| Net loans and leases to deposits | 90.0064% | 2,215 |
| Net loans and leases to core deposits | 106.8038% | 3,239 |
| Total domestic deposits to total assets | 70.8191% | 7,353 |
| Equity capital to assets | 9.8584% | 3,934 |
| Core capital (leverage) ratio | 9.2970% | 3,979 |
| Tier 1 risk-based capital ratio | 13.6791% | 3,698 |
| Total risk-based capital ratio | 14.9301% | 3,637 |
| Memoranda: | ||
| Average total assets | $49,240,800 | 6,740 |
| Average earning assets | $47,298,200 | 6,626 |
| Average equity | $4,809,400 | 7,018 |
| Average total loans | $31,866,400 | 6,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 6,082 |
| Cost of funding earning assets | 1.8225% | 4,274 |
| Net interest margin | 3.3331% | 5,515 |
| Noninterest income to average assets | 0.5123% | 4,387 |
| Noninterest expense to average assets | 2.4824% | 6,133 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1647% | 1,552 |
| Return on assets (ROA) | 1.1826% | 1,559 |
| Pretax return on assets | 1.2535% | 2,098 |
| Return on Equity (ROE) | 12.1374% | 1,322 |
| Retained earnings to average equity (ytd only) | 2.3492% | 4,014 |
| Net charge-offs to loans | 0.0759% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.1658% | 1,062 |
| Efficiency ratio | 66.7889% | 5,228 |
| Assets per employee ($millions) | 4.6030% | 2,695 |
| Cash dividends to net income (ytd only)* | 80.6463% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 2,189 |
| Loan loss allowance to noncurrent loans | 2,026.6667% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,922 |
| Noncurrent loans to loans | 0.0904% | 7,258 |
| Net loans and leases to total assets | 64.3493% | 4,790 |
| Net loans and leases to deposits | 94.1513% | 1,857 |
| Net loans and leases to core deposits | 110.2158% | 3,212 |
| Total domestic deposits to total assets | 68.3467% | 7,544 |
| Equity capital to assets | 9.7486% | 4,425 |
| Core capital (leverage) ratio | 9.2794% | 4,219 |
| Tier 1 risk-based capital ratio | 13.2180% | 4,038 |
| Total risk-based capital ratio | 14.4732% | 3,979 |
| Memoranda: | ||
| Average total assets | $48,929,750 | 6,809 |
| Average earning assets | $47,041,500 | 6,685 |
| Average equity | $4,767,500 | 7,090 |
| Average total loans | $31,633,500 | 6,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 6,045 |
| Cost of funding earning assets | 1.8901% | 4,315 |
| Net interest margin | 3.3195% | 5,477 |
| Noninterest income to average assets | 0.3474% | 5,725 |
| Noninterest expense to average assets | 2.2621% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2034% | 1,462 |
| Return on assets (ROA) | 1.2034% | 1,551 |
| Pretax return on assets | 1.2737% | 2,099 |
| Return on Equity (ROE) | 12.3532% | 1,321 |
| Retained earnings to average equity (ytd only) | -2.5046% | 5,866 |
| Net charge-offs to loans | 0.0900% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,241 |
| Efficiency ratio | 63.9766% | 5,918 |
| Assets per employee ($millions) | 4.4826% | 2,798 |
| Cash dividends to net income (ytd only)* | 120.2749% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 1,653 |
| Loan loss allowance to noncurrent loans | 624.4898% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 6,209 |
| Noncurrent loans to loans | 0.3138% | 6,727 |
| Net loans and leases to total assets | 62.0901% | 5,346 |
| Net loans and leases to deposits | 87.5644% | 3,245 |
| Net loans and leases to core deposits | 102.9732% | 4,182 |
| Total domestic deposits to total assets | 70.9079% | 7,379 |
| Equity capital to assets | 9.5277% | 4,575 |
| Core capital (leverage) ratio | 9.0110% | 4,609 |
| Tier 1 risk-based capital ratio | 13.1998% | 4,001 |
| Total risk-based capital ratio | 14.4579% | 3,915 |
| Memoranda: | ||
| Average total assets | $48,362,000 | 6,890 |
| Average earning assets | $46,452,670 | 6,775 |
| Average equity | $4,711,330 | 7,167 |
| Average total loans | $31,114,670 | 6,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2926% | 5,923 |
| Cost of funding earning assets | 1.9706% | 4,283 |
| Net interest margin | 3.3221% | 5,429 |
| Noninterest income to average assets | 0.3926% | 5,269 |
| Noninterest expense to average assets | 2.1132% | 7,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3949% | 1,150 |
| Return on assets (ROA) | 1.3949% | 1,239 |
| Pretax return on assets | 1.4617% | 1,774 |
| Return on Equity (ROE) | 14.1585% | 1,136 |
| Retained earnings to average equity (ytd only) | -15.5150% | 7,461 |
| Net charge-offs to loans | 0.2061% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.9375% | 1,906 |
| Efficiency ratio | 59.1121% | 6,539 |
| Assets per employee ($millions) | 4.3464% | 2,984 |
| Cash dividends to net income (ytd only)* | 209.5808% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,412 |
| Loan loss allowance to noncurrent loans | 367.4699% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 5,668 |
| Noncurrent loans to loans | 0.5446% | 6,052 |
| Net loans and leases to total assets | 62.4744% | 5,242 |
| Net loans and leases to deposits | 89.0495% | 3,096 |
| Net loans and leases to core deposits | 106.6407% | 3,832 |
| Total domestic deposits to total assets | 70.1569% | 7,414 |
| Equity capital to assets | 9.7051% | 4,377 |
| Core capital (leverage) ratio | 9.0411% | 4,636 |
| Tier 1 risk-based capital ratio | 13.5773% | 3,814 |
| Total risk-based capital ratio | 14.8365% | 3,732 |
| Memoranda: | ||
| Average total assets | $47,888,500 | 6,949 |
| Average earning assets | $45,875,000 | 6,846 |
| Average equity | $4,718,000 | 7,216 |
| Average total loans | $31,058,000 | 6,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 5,812 |
| Cost of funding earning assets | 2.4076% | 4,690 |
| Net interest margin | 3.5418% | 5,136 |
| Noninterest income to average assets | 0.3540% | 5,895 |
| Noninterest expense to average assets | 2.6109% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0702% | 2,254 |
| Return on assets (ROA) | 1.1417% | 1,899 |
| Pretax return on assets | 1.1970% | 2,651 |
| Return on Equity (ROE) | 11.1848% | 1,848 |
| Retained earnings to average equity (ytd only) | 0.1301% | 5,157 |
| Net charge-offs to loans | -0.0132% | 7,883 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9467% | 4,364 |
| Assets per employee ($millions) | 5.3297% | 1,605 |
| Cash dividends to net income (ytd only)* | 98.8372% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,268 |
| Loan loss allowance to noncurrent loans | 763.4146% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 5,929 |
| Noncurrent loans to loans | 0.2592% | 6,600 |
| Net loans and leases to total assets | 64.6507% | 5,142 |
| Net loans and leases to deposits | 90.2348% | 3,412 |
| Net loans and leases to core deposits | 110.0852% | 3,774 |
| Total domestic deposits to total assets | 71.6472% | 7,069 |
| Equity capital to assets | 9.9985% | 4,038 |
| Core capital (leverage) ratio | 9.6209% | 3,855 |
| Tier 1 risk-based capital ratio | 13.8217% | 3,635 |
| Total risk-based capital ratio | 15.0790% | 3,557 |
| Memoranda: | ||
| Average total assets | $45,195,400 | 6,981 |
| Average earning assets | $43,113,200 | 6,897 |
| Average equity | $4,613,400 | 7,297 |
| Average total loans | $30,194,800 | 6,695 |