Home > The Farmers and Merchants National Bank of Fairview > Performance and Condition Ratios
The Farmers and Merchants National Bank of Fairview, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10,997.0000% | 39 |
| Cost of funding earning assets | 0.0000% | 4,397 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.2790% | 1,517 |
| Pretax return on assets | 1.2790% | 2,033 |
| Return on Equity (ROE) | 38.0000% | 59 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 10.0000% | 25 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 8,000.0000% | 24 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0782% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 397.0000% | 34 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 0.0000% | 4,428 |
| Equity capital to assets | 1,833.0000% | 44 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,000 | 4,487 |
| Average earning assets | $0 | 4,470 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 3,985 |
| Cost of funding earning assets | 1.4417% | 3,461 |
| Net interest margin | 2.9553% | 3,222 |
| Noninterest income to average assets | 0.5300% | 1,792 |
| Noninterest expense to average assets | 2.2112% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0447% | 1,913 |
| Return on assets (ROA) | 1.0248% | 1,968 |
| Pretax return on assets | 1.0248% | 2,464 |
| Return on Equity (ROE) | 32.8300% | 80 |
| Retained earnings to average equity (ytd only) | 9.7753% | 623 |
| Net charge-offs to loans | 0.0569% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 48.4615% | 1,228 |
| Efficiency ratio | 67.9144% | 2,263 |
| Assets per employee ($millions) | 7.3865% | 1,914 |
| Cash dividends to net income (ytd only)* | 70.2265% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 395 |
| Loan loss allowance to noncurrent loans | 1,361.4286% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,274 |
| Noncurrent loans to loans | 0.1440% | 2,951 |
| Net loans and leases to total assets | 37.9500% | 4,061 |
| Net loans and leases to deposits | 42.0866% | 4,113 |
| Net loans and leases to core deposits | 46.3278% | 4,085 |
| Total domestic deposits to total assets | 90.1600% | 773 |
| Equity capital to assets | 2.5038% | 4,470 |
| Core capital (leverage) ratio | 12.3808% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $120,611,000 | 3,617 |
| Average earning assets | $111,258,400 | 3,603 |
| Average equity | $3,764,600 | 4,320 |
| Average total loans | $45,684,400 | 3,880 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 3,993 |
| Cost of funding earning assets | 1.4025% | 3,510 |
| Net interest margin | 2.9647% | 3,172 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.1780% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0912% | 1,789 |
| Return on assets (ROA) | 1.0912% | 1,790 |
| Pretax return on assets | 1.0912% | 2,272 |
| Return on Equity (ROE) | 33.2300% | 87 |
| Retained earnings to average equity (ytd only) | 18.0959% | 140 |
| Net charge-offs to loans | 0.0830% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 34.8929% | 1,420 |
| Efficiency ratio | 66.6211% | 2,409 |
| Assets per employee ($millions) | 7.4097% | 1,864 |
| Cash dividends to net income (ytd only)* | 45.5476% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0290% | 370 |
| Loan loss allowance to noncurrent loans | 520.2186% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,702 |
| Noncurrent loans to loans | 0.3900% | 2,105 |
| Net loans and leases to total assets | 38.7700% | 4,065 |
| Net loans and leases to deposits | 44.4238% | 4,092 |
| Net loans and leases to core deposits | 49.4982% | 4,059 |
| Total domestic deposits to total assets | 87.2800% | 1,497 |
| Equity capital to assets | 4.9116% | 4,457 |
| Core capital (leverage) ratio | 12.8452% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $119,371,250 | 3,630 |
| Average earning assets | $110,273,000 | 3,616 |
| Average equity | $3,919,750 | 4,339 |
| Average total loans | $44,954,750 | 3,905 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 3,988 |
| Cost of funding earning assets | 1.2940% | 3,634 |
| Net interest margin | 3.0392% | 2,977 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.1798% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1752% | 1,535 |
| Return on assets (ROA) | 1.1752% | 1,534 |
| Pretax return on assets | 1.1752% | 2,006 |
| Return on Equity (ROE) | 42.8000% | 50 |
| Retained earnings to average equity (ytd only) | 27.7597% | 44 |
| Net charge-offs to loans | 0.1174% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 27.0385% | 1,448 |
| Efficiency ratio | 64.9726% | 2,656 |
| Assets per employee ($millions) | 6.8094% | 2,198 |
| Cash dividends to net income (ytd only)* | 35.1351% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1099% | 333 |
| Loan loss allowance to noncurrent loans | 3,407.1429% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,572 |
| Noncurrent loans to loans | 0.0619% | 3,359 |
| Net loans and leases to total assets | 38.2400% | 4,090 |
| Net loans and leases to deposits | 41.3330% | 4,172 |
| Net loans and leases to core deposits | 45.8606% | 4,126 |
| Total domestic deposits to total assets | 92.5100% | 191 |
| Equity capital to assets | 3.0088% | 4,500 |
| Core capital (leverage) ratio | 12.8311% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $119,643,333 | 3,645 |
| Average earning assets | $110,818,000 | 3,630 |
| Average equity | $3,285,333 | 4,389 |
| Average total loans | $44,299,667 | 3,927 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 3,919 |
| Cost of funding earning assets | 1.2311% | 3,673 |
| Net interest margin | 3.1045% | 2,779 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.1121% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3357% | 1,176 |
| Return on assets (ROA) | 1.3357% | 1,185 |
| Pretax return on assets | 1.3357% | 1,556 |
| Return on Equity (ROE) | 50.9700% | 40 |
| Retained earnings to average equity (ytd only) | 50.9650% | 23 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.2595% | 3,125 |
| Assets per employee ($millions) | 7.5466% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 276 |
| Loan loss allowance to noncurrent loans | 802.4590% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,951 |
| Noncurrent loans to loans | 0.2750% | 2,328 |
| Net loans and leases to total assets | 35.9400% | 4,148 |
| Net loans and leases to deposits | 38.2306% | 4,216 |
| Net loans and leases to core deposits | 41.8214% | 4,241 |
| Total domestic deposits to total assets | 94.0000% | 121 |
| Equity capital to assets | 2.4697% | 4,535 |
| Core capital (leverage) ratio | 12.5251% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $121,585,500 | 3,643 |
| Average earning assets | $112,741,000 | 3,630 |
| Average equity | $3,186,500 | 4,420 |
| Average total loans | $43,842,000 | 3,951 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,973 |
| Cost of funding earning assets | 0.9980% | 3,299 |
| Net interest margin | 2.9939% | 3,297 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.1324% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2346% | 1,574 |
| Return on assets (ROA) | 1.2213% | 1,575 |
| Pretax return on assets | 1.2213% | 2,088 |
| Return on Equity (ROE) | 46.6300% | 60 |
| Retained earnings to average equity (ytd only) | 13.4946% | 449 |
| Net charge-offs to loans | -0.0071% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.3325% | 2,690 |
| Assets per employee ($millions) | 8.1617% | 1,351 |
| Cash dividends to net income (ytd only)* | 71.0580% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 257 |
| Loan loss allowance to noncurrent loans | 3,158.0645% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,531 |
| Noncurrent loans to loans | 0.0716% | 3,205 |
| Net loans and leases to total assets | 34.5800% | 4,197 |
| Net loans and leases to deposits | 36.8913% | 4,259 |
| Net loans and leases to core deposits | 40.1721% | 4,282 |
| Total domestic deposits to total assets | 93.7300% | 124 |
| Equity capital to assets | 2.7698% | 4,549 |
| Core capital (leverage) ratio | 12.5941% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $119,957,200 | 3,654 |
| Average earning assets | $110,825,200 | 3,640 |
| Average equity | $3,142,000 | 4,416 |
| Average total loans | $42,416,600 | 3,960 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 3,929 |
| Cost of funding earning assets | 0.9281% | 3,207 |
| Net interest margin | 3.0189% | 3,309 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.0859% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3261% | 1,483 |
| Return on assets (ROA) | 1.3083% | 1,514 |
| Pretax return on assets | 1.3083% | 2,018 |
| Return on Equity (ROE) | 50.7000% | 70 |
| Retained earnings to average equity (ytd only) | 30.7377% | 84 |
| Net charge-offs to loans | 0.0537% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 69.8235% | 1,115 |
| Efficiency ratio | 61.1329% | 2,828 |
| Assets per employee ($millions) | 7.6738% | 1,518 |
| Cash dividends to net income (ytd only)* | 39.3681% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 291 |
| Loan loss allowance to noncurrent loans | 13,728.5714% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,806 |
| Noncurrent loans to loans | 0.0160% | 3,672 |
| Net loans and leases to total assets | 37.0700% | 4,151 |
| Net loans and leases to deposits | 39.0653% | 4,229 |
| Net loans and leases to core deposits | 42.9688% | 4,195 |
| Total domestic deposits to total assets | 94.8900% | 128 |
| Equity capital to assets | 1.3917% | 4,564 |
| Core capital (leverage) ratio | 12.5361% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $119,340,000 | 3,667 |
| Average earning assets | $110,191,750 | 3,655 |
| Average equity | $3,079,750 | 4,436 |
| Average total loans | $42,192,250 | 3,970 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 3,994 |
| Cost of funding earning assets | 0.7922% | 3,227 |
| Net interest margin | 3.0271% | 3,360 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.0720% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3830% | 1,375 |
| Return on assets (ROA) | 1.3565% | 1,414 |
| Pretax return on assets | 1.3565% | 1,929 |
| Return on Equity (ROE) | 45.8500% | 79 |
| Retained earnings to average equity (ytd only) | 35.8869% | 60 |
| Net charge-offs to loans | 0.0767% | 813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 52.1875% | 1,269 |
| Efficiency ratio | 59.9712% | 2,962 |
| Assets per employee ($millions) | 7.3798% | 1,681 |
| Cash dividends to net income (ytd only)* | 21.7338% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2802% | 274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.8400% | 4,217 |
| Net loans and leases to deposits | 37.2440% | 4,271 |
| Net loans and leases to core deposits | 40.9846% | 4,239 |
| Total domestic deposits to total assets | 93.5500% | 182 |
| Equity capital to assets | 2.9633% | 4,569 |
| Core capital (leverage) ratio | 12.2315% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $120,751,000 | 3,670 |
| Average earning assets | $111,590,667 | 3,657 |
| Average equity | $3,572,333 | 4,431 |
| Average total loans | $41,712,333 | 3,990 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 3,985 |
| Cost of funding earning assets | 0.6494% | 3,224 |
| Net interest margin | 3.0766% | 3,409 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.1034% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4645% | 1,252 |
| Return on assets (ROA) | 1.4121% | 1,347 |
| Pretax return on assets | 1.4121% | 1,860 |
| Return on Equity (ROE) | 47.7700% | 84 |
| Retained earnings to average equity (ytd only) | 47.7695% | 44 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.9532% | 3,076 |
| Assets per employee ($millions) | 7.9624% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 287 |
| Loan loss allowance to noncurrent loans | 13,942.8571% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,833 |
| Noncurrent loans to loans | 0.0165% | 3,681 |
| Net loans and leases to total assets | 34.7800% | 4,233 |
| Net loans and leases to deposits | 36.7600% | 4,303 |
| Net loans and leases to core deposits | 40.2554% | 4,263 |
| Total domestic deposits to total assets | 94.6200% | 121 |
| Equity capital to assets | 3.4445% | 4,576 |
| Core capital (leverage) ratio | 12.1450% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $122,088,500 | 3,699 |
| Average earning assets | $112,721,000 | 3,690 |
| Average equity | $3,609,000 | 4,489 |
| Average total loans | $41,517,500 | 4,041 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 3,330 |
| Cost of funding earning assets | 0.2790% | 3,050 |
| Net interest margin | 3.1276% | 3,091 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.0556% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5704% | 739 |
| Return on assets (ROA) | 1.5744% | 697 |
| Pretax return on assets | 1.5744% | 1,226 |
| Return on Equity (ROE) | 26.8200% | 156 |
| Retained earnings to average equity (ytd only) | 7.3047% | 2,102 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6900% | 3,502 |
| Assets per employee ($millions) | 8.3161% | 1,181 |
| Cash dividends to net income (ytd only)* | 72.7593% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 230 |
| Loan loss allowance to noncurrent loans | 1,109.0909% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,087 |
| Noncurrent loans to loans | 0.2172% | 2,403 |
| Net loans and leases to total assets | 31.7000% | 4,348 |
| Net loans and leases to deposits | 32.7790% | 4,415 |
| Net loans and leases to core deposits | 35.6754% | 4,379 |
| Total domestic deposits to total assets | 96.7000% | 60 |
| Equity capital to assets | 2.4884% | 4,629 |
| Core capital (leverage) ratio | 11.8977% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $126,143,000 | 3,672 |
| Average earning assets | $117,183,600 | 3,653 |
| Average equity | $7,406,200 | 4,161 |
| Average total loans | $39,274,000 | 4,077 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3518% | 3,044 |
| Cost of funding earning assets | 0.2460% | 2,748 |
| Net interest margin | 3.1059% | 2,920 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.9732% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3692% | 1,176 |
| Return on assets (ROA) | 1.3745% | 1,129 |
| Pretax return on assets | 1.3745% | 1,795 |
| Return on Equity (ROE) | 20.5000% | 395 |
| Retained earnings to average equity (ytd only) | 12.5757% | 681 |
| Net charge-offs to loans | 0.0068% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 649.5000% | 251 |
| Efficiency ratio | 59.0350% | 3,241 |
| Assets per employee ($millions) | 7.9913% | 1,332 |
| Cash dividends to net income (ytd only)* | 38.6503% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 31.8400% | 4,380 |
| Net loans and leases to deposits | 33.1161% | 4,437 |
| Net loans and leases to core deposits | 36.1742% | 4,401 |
| Total domestic deposits to total assets | 96.1500% | 118 |
| Equity capital to assets | 2.9866% | 4,592 |
| Core capital (leverage) ratio | 11.7743% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $126,493,500 | 3,698 |
| Average earning assets | $117,623,750 | 3,679 |
| Average equity | $8,481,750 | 4,096 |
| Average total loans | $38,963,750 | 4,103 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 2,822 |
| Cost of funding earning assets | 0.2255% | 2,577 |
| Net interest margin | 3.0469% | 2,732 |
| Noninterest income to average assets | 0.4491% | 2,456 |
| Noninterest expense to average assets | 1.9145% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3691% | 981 |
| Return on assets (ROA) | 1.3691% | 960 |
| Pretax return on assets | 1.3691% | 1,519 |
| Return on Equity (ROE) | 17.4185% | 525 |
| Retained earnings to average equity (ytd only) | 13.0293% | 463 |
| Net charge-offs to loans | -0.0206% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3057% | 3,517 |
| Assets per employee ($millions) | 8.0391% | 1,282 |
| Cash dividends to net income (ytd only)* | 25.1986% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 237 |
| Loan loss allowance to noncurrent loans | 550.5618% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,688 |
| Noncurrent loans to loans | 0.4647% | 1,717 |
| Net loans and leases to total assets | 30.9528% | 4,428 |
| Net loans and leases to deposits | 32.7849% | 4,479 |
| Net loans and leases to core deposits | 36.0266% | 4,435 |
| Total domestic deposits to total assets | 94.4115% | 213 |
| Equity capital to assets | 4.7576% | 4,526 |
| Core capital (leverage) ratio | 11.3177% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,701,667 | 3,711 |
| Average earning assets | $119,726,667 | 3,702 |
| Average equity | $10,115,667 | 3,971 |
| Average total loans | $38,904,667 | 4,155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 2,793 |
| Cost of funding earning assets | 0.2073% | 2,696 |
| Net interest margin | 2.9538% | 2,658 |
| Noninterest income to average assets | 0.4369% | 2,461 |
| Noninterest expense to average assets | 1.8711% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3137% | 975 |
| Return on assets (ROA) | 1.3137% | 961 |
| Pretax return on assets | 1.3137% | 1,464 |
| Return on Equity (ROE) | 14.1731% | 804 |
| Retained earnings to average equity (ytd only) | 14.1731% | 365 |
| Net charge-offs to loans | -0.0306% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7512% | 3,606 |
| Assets per employee ($millions) | 8.0109% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5369% | 277 |
| Loan loss allowance to noncurrent loans | 989.8990% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,298 |
| Noncurrent loans to loans | 0.2563% | 2,561 |
| Net loans and leases to total assets | 29.3739% | 4,465 |
| Net loans and leases to deposits | 32.1963% | 4,490 |
| Net loans and leases to core deposits | 35.2050% | 4,451 |
| Total domestic deposits to total assets | 91.2339% | 920 |
| Equity capital to assets | 8.0203% | 3,552 |
| Core capital (leverage) ratio | 10.7132% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,759,000 | 3,696 |
| Average earning assets | $123,501,500 | 3,677 |
| Average equity | $12,305,000 | 3,831 |
| Average total loans | $39,204,500 | 4,171 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 2,524 |
| Cost of funding earning assets | 0.2290% | 3,148 |
| Net interest margin | 3.3178% | 2,261 |
| Noninterest income to average assets | 0.4421% | 2,845 |
| Noninterest expense to average assets | 1.9976% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5417% | 930 |
| Return on assets (ROA) | 1.6114% | 812 |
| Pretax return on assets | 1.6114% | 1,396 |
| Return on Equity (ROE) | 13.8319% | 1,235 |
| Retained earnings to average equity (ytd only) | 2.8282% | 3,717 |
| Net charge-offs to loans | 0.0228% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 223.5556% | 498 |
| Efficiency ratio | 56.4408% | 3,652 |
| Assets per employee ($millions) | 9.1562% | 873 |
| Cash dividends to net income (ytd only)* | 79.5530% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 300 |
| Loan loss allowance to noncurrent loans | 9,770.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,089 |
| Noncurrent loans to loans | 0.0251% | 3,888 |
| Net loans and leases to total assets | 28.2519% | 4,561 |
| Net loans and leases to deposits | 31.8057% | 4,584 |
| Net loans and leases to core deposits | 34.6279% | 4,540 |
| Total domestic deposits to total assets | 88.8265% | 1,607 |
| Equity capital to assets | 10.4337% | 2,236 |
| Core capital (leverage) ratio | 10.2918% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,504,800 | 3,681 |
| Average earning assets | $121,827,800 | 3,666 |
| Average equity | $15,204,000 | 3,613 |
| Average total loans | $39,539,600 | 4,199 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 2,270 |
| Cost of funding earning assets | 0.2377% | 3,235 |
| Net interest margin | 3.4655% | 1,969 |
| Noninterest income to average assets | 0.4617% | 2,789 |
| Noninterest expense to average assets | 1.9245% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7671% | 719 |
| Return on assets (ROA) | 1.8106% | 680 |
| Pretax return on assets | 1.8106% | 1,145 |
| Return on Equity (ROE) | 15.1204% | 1,117 |
| Retained earnings to average equity (ytd only) | 9.1293% | 1,650 |
| Net charge-offs to loans | 0.0101% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 569.0000% | 264 |
| Efficiency ratio | 52.1312% | 4,018 |
| Assets per employee ($millions) | 8.1304% | 1,216 |
| Cash dividends to net income (ytd only)* | 39.6226% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5745% | 258 |
| Loan loss allowance to noncurrent loans | 267.5749% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 2,363 |
| Noncurrent loans to loans | 0.9621% | 1,193 |
| Net loans and leases to total assets | 28.5670% | 4,626 |
| Net loans and leases to deposits | 32.8629% | 4,656 |
| Net loans and leases to core deposits | 36.1178% | 4,609 |
| Total domestic deposits to total assets | 86.9280% | 2,379 |
| Equity capital to assets | 12.2879% | 1,266 |
| Core capital (leverage) ratio | 11.0327% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,795,250 | 3,730 |
| Average earning assets | $120,036,250 | 3,723 |
| Average equity | $15,422,500 | 3,637 |
| Average total loans | $39,479,750 | 4,260 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 1,838 |
| Cost of funding earning assets | 0.2456% | 3,320 |
| Net interest margin | 3.6448% | 1,484 |
| Noninterest income to average assets | 0.4877% | 2,679 |
| Noninterest expense to average assets | 1.9180% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9694% | 510 |
| Return on assets (ROA) | 2.0348% | 485 |
| Pretax return on assets | 2.0348% | 781 |
| Return on Equity (ROE) | 17.1447% | 757 |
| Retained earnings to average equity (ytd only) | 13.8628% | 566 |
| Net charge-offs to loans | -0.0150% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3387% | 4,286 |
| Assets per employee ($millions) | 8.0147% | 1,204 |
| Cash dividends to net income (ytd only)* | 19.1424% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4497% | 294 |
| Loan loss allowance to noncurrent loans | 1,335.1351% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,847 |
| Noncurrent loans to loans | 0.1835% | 3,305 |
| Net loans and leases to total assets | 30.6812% | 4,631 |
| Net loans and leases to deposits | 35.2674% | 4,647 |
| Net loans and leases to core deposits | 38.8104% | 4,604 |
| Total domestic deposits to total assets | 86.9957% | 2,323 |
| Equity capital to assets | 12.2478% | 1,247 |
| Core capital (leverage) ratio | 11.0093% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,364,667 | 3,744 |
| Average earning assets | $119,731,000 | 3,736 |
| Average equity | $15,235,000 | 3,655 |
| Average total loans | $39,925,000 | 4,281 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 1,652 |
| Cost of funding earning assets | 0.2540% | 3,437 |
| Net interest margin | 3.7197% | 1,294 |
| Noninterest income to average assets | 0.5513% | 2,402 |
| Noninterest expense to average assets | 1.9341% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0836% | 505 |
| Return on assets (ROA) | 2.1397% | 493 |
| Pretax return on assets | 2.1397% | 755 |
| Return on Equity (ROE) | 18.3206% | 688 |
| Retained earnings to average equity (ytd only) | 18.3206% | 348 |
| Net charge-offs to loans | -0.0101% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1395% | 4,331 |
| Assets per employee ($millions) | 7.9097% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4624% | 276 |
| Loan loss allowance to noncurrent loans | 904.5872% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,765 |
| Noncurrent loans to loans | 0.2722% | 3,131 |
| Net loans and leases to total assets | 30.8609% | 4,672 |
| Net loans and leases to deposits | 35.2688% | 4,698 |
| Net loans and leases to core deposits | 38.8377% | 4,649 |
| Total domestic deposits to total assets | 87.5019% | 2,087 |
| Equity capital to assets | 11.6803% | 1,452 |
| Core capital (leverage) ratio | 10.9063% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,429,500 | 3,756 |
| Average earning assets | $119,688,500 | 3,747 |
| Average equity | $14,999,500 | 3,689 |
| Average total loans | $39,721,500 | 4,309 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 3,208 |
| Cost of funding earning assets | 0.3632% | 3,800 |
| Net interest margin | 3.4704% | 2,560 |
| Noninterest income to average assets | 0.6881% | 1,902 |
| Noninterest expense to average assets | 2.2798% | 3,464 |
| Loan and lease loss provision to assets | 0.0453% | 3,836 |
| Net operating income to assets | 1.5638% | 689 |
| Return on assets (ROA) | 1.6206% | 664 |
| Pretax return on assets | 1.6206% | 1,027 |
| Return on Equity (ROE) | 12.3284% | 1,226 |
| Retained earnings to average equity (ytd only) | -6.7371% | 4,868 |
| Net charge-offs to loans | -0.0071% | 4,198 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6243% | 3,645 |
| Assets per employee ($millions) | 8.1440% | 987 |
| Cash dividends to net income (ytd only)* | 154.6470% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4999% | 265 |
| Loan loss allowance to noncurrent loans | 378.8462% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,287 |
| Noncurrent loans to loans | 0.6599% | 2,030 |
| Net loans and leases to total assets | 29.4818% | 4,762 |
| Net loans and leases to deposits | 33.6817% | 4,794 |
| Net loans and leases to core deposits | 36.9754% | 4,761 |
| Total domestic deposits to total assets | 87.5307% | 1,692 |
| Equity capital to assets | 11.6781% | 1,749 |
| Core capital (leverage) ratio | 10.6627% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,501,200 | 3,729 |
| Average earning assets | $112,063,600 | 3,733 |
| Average equity | $15,971,200 | 3,554 |
| Average total loans | $42,089,200 | 4,272 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 2,947 |
| Cost of funding earning assets | 0.3949% | 3,834 |
| Net interest margin | 3.6139% | 2,231 |
| Noninterest income to average assets | 0.8226% | 1,412 |
| Noninterest expense to average assets | 2.3939% | 3,152 |
| Loan and lease loss provision to assets | 0.0612% | 3,576 |
| Net operating income to assets | 1.6909% | 585 |
| Return on assets (ROA) | 1.6987% | 639 |
| Pretax return on assets | 1.6987% | 974 |
| Return on Equity (ROE) | 12.5411% | 1,237 |
| Retained earnings to average equity (ytd only) | 8.0032% | 1,302 |
| Net charge-offs to loans | -0.0094% | 4,211 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7358% | 3,702 |
| Assets per employee ($millions) | 7.5263% | 1,197 |
| Cash dividends to net income (ytd only)* | 36.1842% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 291 |
| Loan loss allowance to noncurrent loans | 390.8730% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,394 |
| Noncurrent loans to loans | 0.5943% | 2,314 |
| Net loans and leases to total assets | 34.3935% | 4,726 |
| Net loans and leases to deposits | 40.6332% | 4,735 |
| Net loans and leases to core deposits | 45.1279% | 4,683 |
| Total domestic deposits to total assets | 84.6439% | 2,575 |
| Equity capital to assets | 14.4601% | 741 |
| Core capital (leverage) ratio | 12.4372% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,300,500 | 3,744 |
| Average earning assets | $109,721,000 | 3,757 |
| Average equity | $16,159,750 | 3,533 |
| Average total loans | $42,761,250 | 4,283 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 2,914 |
| Cost of funding earning assets | 0.4313% | 3,889 |
| Net interest margin | 3.7164% | 2,106 |
| Noninterest income to average assets | 1.0847% | 846 |
| Noninterest expense to average assets | 2.6436% | 2,543 |
| Loan and lease loss provision to assets | 0.0589% | 3,563 |
| Net operating income to assets | 1.7877% | 514 |
| Return on assets (ROA) | 1.7994% | 551 |
| Pretax return on assets | 1.7994% | 817 |
| Return on Equity (ROE) | 13.5942% | 957 |
| Retained earnings to average equity (ytd only) | 10.7991% | 638 |
| Net charge-offs to loans | 0.0047% | 2,810 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 1,098.0000% | 80 |
| Efficiency ratio | 58.8764% | 3,576 |
| Assets per employee ($millions) | 7.6298% | 1,117 |
| Cash dividends to net income (ytd only)* | 20.5607% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 326 |
| Loan loss allowance to noncurrent loans | 441.2844% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 3,640 |
| Noncurrent loans to loans | 0.5021% | 2,642 |
| Net loans and leases to total assets | 34.7808% | 4,759 |
| Net loans and leases to deposits | 40.8688% | 4,773 |
| Net loans and leases to core deposits | 44.2867% | 4,748 |
| Total domestic deposits to total assets | 85.1035% | 2,350 |
| Equity capital to assets | 14.1125% | 833 |
| Core capital (leverage) ratio | 12.3414% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2129% | 393 |
| Memoranda: | ||
| Average total assets | $118,927,000 | 3,737 |
| Average earning assets | $108,975,667 | 3,757 |
| Average equity | $15,742,000 | 3,579 |
| Average total loans | $42,881,000 | 4,297 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 3,814 |
| Cost of funding earning assets | 0.4754% | 4,046 |
| Net interest margin | 3.5147% | 2,928 |
| Noninterest income to average assets | 0.8044% | 1,298 |
| Noninterest expense to average assets | 2.0690% | 4,278 |
| Loan and lease loss provision to assets | 0.0170% | 3,582 |
| Net operating income to assets | 1.9190% | 321 |
| Return on assets (ROA) | 1.9701% | 318 |
| Pretax return on assets | 1.9701% | 484 |
| Return on Equity (ROE) | 15.4144% | 501 |
| Retained earnings to average equity (ytd only) | 15.4144% | 170 |
| Net charge-offs to loans | 0.0188% | 1,994 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 250 |
| Efficiency ratio | 51.6596% | 4,568 |
| Assets per employee ($millions) | 6.7500% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 36.1368% | 4,774 |
| Net loans and leases to deposits | 42.0021% | 4,799 |
| Net loans and leases to core deposits | 46.0376% | 4,772 |
| Total domestic deposits to total assets | 86.0357% | 1,988 |
| Equity capital to assets | 13.0719% | 1,394 |
| Core capital (leverage) ratio | 12.8438% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0676% | 387 |
| Memoranda: | ||
| Average total assets | $117,352,500 | 3,741 |
| Average earning assets | $106,865,000 | 3,775 |
| Average equity | $14,999,000 | 3,660 |
| Average total loans | $42,611,000 | 4,315 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 4,200 |
| Cost of funding earning assets | 0.4900% | 4,133 |
| Net interest margin | 3.5346% | 3,331 |
| Noninterest income to average assets | 0.5905% | 2,268 |
| Noninterest expense to average assets | 2.1687% | 4,226 |
| Loan and lease loss provision to assets | 0.0050% | 3,906 |
| Net operating income to assets | 1.6580% | 728 |
| Return on assets (ROA) | 1.6840% | 730 |
| Pretax return on assets | 1.6840% | 1,235 |
| Return on Equity (ROE) | 13.9358% | 907 |
| Retained earnings to average equity (ytd only) | 3.3015% | 3,355 |
| Net charge-offs to loans | 0.0276% | 2,841 |
| Credit loss provision to net charge-offs | 50.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 458 |
| Efficiency ratio | 56.5980% | 4,134 |
| Assets per employee ($millions) | 6.6642% | 1,201 |
| Cash dividends to net income (ytd only)* | 76.3092% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 34.9273% | 4,875 |
| Net loans and leases to deposits | 40.3364% | 4,900 |
| Net loans and leases to core deposits | 44.1105% | 4,872 |
| Total domestic deposits to total assets | 86.5900% | 1,810 |
| Equity capital to assets | 12.5030% | 1,815 |
| Core capital (leverage) ratio | 12.4346% | 1,525 |
| Tier 1 risk-based capital ratio | 23.9129% | 835 |
| Total risk-based capital ratio | 25.1681% | 819 |
| Memoranda: | ||
| Average total assets | $119,058,800 | 3,718 |
| Average earning assets | $109,178,600 | 3,723 |
| Average equity | $14,387,400 | 3,700 |
| Average total loans | $43,512,400 | 4,319 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 4,315 |
| Cost of funding earning assets | 0.4921% | 4,175 |
| Net interest margin | 3.5299% | 3,475 |
| Noninterest income to average assets | 0.5980% | 2,211 |
| Noninterest expense to average assets | 2.0869% | 4,385 |
| Loan and lease loss provision to assets | 0.0067% | 3,747 |
| Net operating income to assets | 1.7559% | 671 |
| Return on assets (ROA) | 1.7615% | 694 |
| Pretax return on assets | 1.7615% | 1,178 |
| Return on Equity (ROE) | 14.7054% | 845 |
| Retained earnings to average equity (ytd only) | 7.9616% | 1,416 |
| Net charge-offs to loans | 0.0183% | 2,768 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 261.8263% | 353 |
| Efficiency ratio | 54.2116% | 4,370 |
| Assets per employee ($millions) | 6.3142% | 1,381 |
| Cash dividends to net income (ytd only)* | 45.8601% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.7469% | 4,912 |
| Net loans and leases to deposits | 43.0230% | 4,938 |
| Net loans and leases to core deposits | 47.2193% | 4,889 |
| Total domestic deposits to total assets | 85.4121% | 2,250 |
| Equity capital to assets | 13.6174% | 1,305 |
| Core capital (leverage) ratio | 12.4456% | 1,603 |
| Tier 1 risk-based capital ratio | 25.4326% | 744 |
| Total risk-based capital ratio | 26.6890% | 731 |
| Memoranda: | ||
| Average total assets | $118,834,750 | 3,762 |
| Average earning assets | $109,463,000 | 3,759 |
| Average equity | $14,234,750 | 3,746 |
| Average total loans | $43,684,500 | 4,369 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 4,434 |
| Cost of funding earning assets | 0.4685% | 4,247 |
| Net interest margin | 3.5014% | 3,591 |
| Noninterest income to average assets | 0.5889% | 2,204 |
| Noninterest expense to average assets | 2.0537% | 4,508 |
| Loan and lease loss provision to assets | 0.0100% | 3,549 |
| Net operating income to assets | 1.7485% | 660 |
| Return on assets (ROA) | 1.7485% | 690 |
| Pretax return on assets | 1.7485% | 1,173 |
| Return on Equity (ROE) | 15.2525% | 715 |
| Retained earnings to average equity (ytd only) | 10.0429% | 740 |
| Net charge-offs to loans | 0.0136% | 2,648 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 353.3333% | 220 |
| Efficiency ratio | 53.8729% | 4,485 |
| Assets per employee ($millions) | 6.6033% | 1,186 |
| Cash dividends to net income (ytd only)* | 34.1556% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1427% | 363 |
| Loan loss allowance to noncurrent loans | 1,511.2903% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,502 |
| Noncurrent loans to loans | 0.1418% | 4,050 |
| Net loans and leases to total assets | 36.0020% | 4,977 |
| Net loans and leases to deposits | 42.4006% | 4,988 |
| Net loans and leases to core deposits | 46.2107% | 4,955 |
| Total domestic deposits to total assets | 84.9091% | 2,517 |
| Equity capital to assets | 12.7991% | 1,690 |
| Core capital (leverage) ratio | 12.0808% | 1,771 |
| Tier 1 risk-based capital ratio | 23.7085% | 875 |
| Total risk-based capital ratio | 24.9603% | 855 |
| Memoranda: | ||
| Average total assets | $120,561,000 | 3,750 |
| Average earning assets | $110,983,330 | 3,759 |
| Average equity | $13,820,670 | 3,813 |
| Average total loans | $44,013,330 | 4,389 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 4,537 |
| Cost of funding earning assets | 0.4448% | 4,314 |
| Net interest margin | 3.4650% | 3,696 |
| Noninterest income to average assets | 0.5963% | 2,063 |
| Noninterest expense to average assets | 1.9899% | 4,663 |
| Loan and lease loss provision to assets | 0.0198% | 3,186 |
| Net operating income to assets | 1.7692% | 626 |
| Return on assets (ROA) | 1.7692% | 644 |
| Pretax return on assets | 1.7692% | 1,056 |
| Return on Equity (ROE) | 16.3663% | 548 |
| Retained earnings to average equity (ytd only) | 16.3663% | 209 |
| Net charge-offs to loans | 0.0362% | 1,752 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 542 |
| Efficiency ratio | 52.6591% | 4,645 |
| Assets per employee ($millions) | 6.6778% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 35.8278% | 5,022 |
| Net loans and leases to deposits | 41.2306% | 5,060 |
| Net loans and leases to core deposits | 44.5646% | 5,026 |
| Total domestic deposits to total assets | 86.8960% | 1,865 |
| Equity capital to assets | 11.4659% | 2,427 |
| Core capital (leverage) ratio | 11.8903% | 1,836 |
| Tier 1 risk-based capital ratio | 23.2210% | 913 |
| Total risk-based capital ratio | 24.4739% | 892 |
| Memoranda: | ||
| Average total assets | $121,411,500 | 3,777 |
| Average earning assets | $111,515,500 | 3,793 |
| Average equity | $13,124,500 | 3,926 |
| Average total loans | $44,155,500 | 4,429 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,367 |
| Cost of funding earning assets | 0.3915% | 4,037 |
| Net interest margin | 3.4692% | 3,806 |
| Noninterest income to average assets | 0.6329% | 2,140 |
| Noninterest expense to average assets | 1.9959% | 4,760 |
| Loan and lease loss provision to assets | 0.0203% | 3,755 |
| Net operating income to assets | 1.8182% | 530 |
| Return on assets (ROA) | 1.7979% | 546 |
| Pretax return on assets | 1.7979% | 927 |
| Return on Equity (ROE) | 17.0658% | 487 |
| Retained earnings to average equity (ytd only) | 4.0556% | 3,332 |
| Net charge-offs to loans | -0.0047% | 4,342 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0521% | 4,792 |
| Assets per employee ($millions) | 6.8124% | 1,065 |
| Cash dividends to net income (ytd only)* | 76.2353% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1078% | 399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 35.3743% | 5,084 |
| Net loans and leases to deposits | 40.0985% | 5,122 |
| Net loans and leases to core deposits | 43.2162% | 5,096 |
| Total domestic deposits to total assets | 88.2184% | 1,204 |
| Equity capital to assets | 10.1669% | 3,512 |
| Core capital (leverage) ratio | 11.7815% | 1,891 |
| Tier 1 risk-based capital ratio | 22.0596% | 1,023 |
| Total risk-based capital ratio | 23.3144% | 1,002 |
| Memoranda: | ||
| Average total assets | $118,191,000 | 3,818 |
| Average earning assets | $109,075,400 | 3,820 |
| Average equity | $12,451,800 | 3,967 |
| Average total loans | $42,541,200 | 4,483 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,348 |
| Cost of funding earning assets | 0.3821% | 3,983 |
| Net interest margin | 3.4548% | 3,850 |
| Noninterest income to average assets | 0.6673% | 1,988 |
| Noninterest expense to average assets | 1.8881% | 4,924 |
| Loan and lease loss provision to assets | 0.0205% | 3,600 |
| Net operating income to assets | 1.9610% | 422 |
| Return on assets (ROA) | 1.9336% | 446 |
| Pretax return on assets | 1.9336% | 760 |
| Return on Equity (ROE) | 18.1872% | 410 |
| Retained earnings to average equity (ytd only) | 11.4393% | 564 |
| Net charge-offs to loans | -0.0063% | 4,272 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7934% | 5,015 |
| Assets per employee ($millions) | 6.4574% | 1,208 |
| Cash dividends to net income (ytd only)* | 37.1026% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 368 |
| Loan loss allowance to noncurrent loans | 127.1605% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,301 |
| Noncurrent loans to loans | 1.7233% | 902 |
| Net loans and leases to total assets | 35.5972% | 5,155 |
| Net loans and leases to deposits | 41.3909% | 5,172 |
| Net loans and leases to core deposits | 45.0219% | 5,136 |
| Total domestic deposits to total assets | 86.0024% | 2,191 |
| Equity capital to assets | 10.5485% | 3,094 |
| Core capital (leverage) ratio | 12.3205% | 1,596 |
| Tier 1 risk-based capital ratio | 24.2014% | 823 |
| Total risk-based capital ratio | 25.4570% | 801 |
| Memoranda: | ||
| Average total assets | $117,083,000 | 3,873 |
| Average earning assets | $108,522,750 | 3,868 |
| Average equity | $12,448,000 | 3,995 |
| Average total loans | $42,098,750 | 4,542 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,286 |
| Cost of funding earning assets | 0.3676% | 3,954 |
| Net interest margin | 3.4575% | 3,776 |
| Noninterest income to average assets | 0.6748% | 1,979 |
| Noninterest expense to average assets | 1.8728% | 4,999 |
| Loan and lease loss provision to assets | 0.0204% | 3,496 |
| Net operating income to assets | 1.9869% | 389 |
| Return on assets (ROA) | 1.9801% | 392 |
| Pretax return on assets | 1.9801% | 633 |
| Return on Equity (ROE) | 18.5766% | 369 |
| Retained earnings to average equity (ytd only) | 14.7398% | 217 |
| Net charge-offs to loans | -0.0048% | 4,088 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2653% | 5,107 |
| Assets per employee ($millions) | 6.7651% | 1,031 |
| Cash dividends to net income (ytd only)* | 20.6540% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1855% | 381 |
| Loan loss allowance to noncurrent loans | 127.7778% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 2,025 |
| Noncurrent loans to loans | 1.7104% | 931 |
| Net loans and leases to total assets | 35.8033% | 5,187 |
| Net loans and leases to deposits | 41.7670% | 5,201 |
| Net loans and leases to core deposits | 45.6497% | 5,162 |
| Total domestic deposits to total assets | 85.7216% | 2,403 |
| Equity capital to assets | 10.8464% | 2,785 |
| Core capital (leverage) ratio | 12.0571% | 1,674 |
| Tier 1 risk-based capital ratio | 23.8507% | 847 |
| Total risk-based capital ratio | 25.1077% | 814 |
| Memoranda: | ||
| Average total assets | $117,366,000 | 3,907 |
| Average earning assets | $108,808,000 | 3,896 |
| Average equity | $12,510,330 | 4,006 |
| Average total loans | $42,030,670 | 4,585 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 4,316 |
| Cost of funding earning assets | 0.3549% | 3,949 |
| Net interest margin | 3.4096% | 3,852 |
| Noninterest income to average assets | 0.7626% | 1,578 |
| Noninterest expense to average assets | 1.8491% | 5,105 |
| Loan and lease loss provision to assets | 0.0202% | 3,271 |
| Net operating income to assets | 2.0380% | 339 |
| Return on assets (ROA) | 2.0380% | 341 |
| Pretax return on assets | 2.0380% | 530 |
| Return on Equity (ROE) | 19.2840% | 300 |
| Retained earnings to average equity (ytd only) | 19.2840% | 117 |
| Net charge-offs to loans | -0.0190% | 4,533 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3230% | 5,223 |
| Assets per employee ($millions) | 6.5851% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 428 |
| Loan loss allowance to noncurrent loans | 126.5193% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 2,164 |
| Noncurrent loans to loans | 1.6969% | 1,008 |
| Net loans and leases to total assets | 35.2226% | 5,237 |
| Net loans and leases to deposits | 40.8325% | 5,249 |
| Net loans and leases to core deposits | 44.4726% | 5,196 |
| Total domestic deposits to total assets | 86.2611% | 2,416 |
| Equity capital to assets | 10.4208% | 3,154 |
| Core capital (leverage) ratio | 11.8882% | 1,724 |
| Tier 1 risk-based capital ratio | 23.0278% | 940 |
| Total risk-based capital ratio | 24.2812% | 915 |
| Memoranda: | ||
| Average total assets | $118,546,000 | 3,923 |
| Average earning assets | $109,337,500 | 3,924 |
| Average equity | $12,528,500 | 4,040 |
| Average total loans | $41,998,000 | 4,634 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,161 |
| Cost of funding earning assets | 0.3097% | 4,043 |
| Net interest margin | 3.4574% | 3,661 |
| Noninterest income to average assets | 0.5404% | 2,772 |
| Noninterest expense to average assets | 2.1190% | 4,723 |
| Loan and lease loss provision to assets | 0.0181% | 3,939 |
| Net operating income to assets | 1.5813% | 678 |
| Return on assets (ROA) | 1.6347% | 623 |
| Pretax return on assets | 1.6347% | 1,203 |
| Return on Equity (ROE) | 13.6886% | 812 |
| Retained earnings to average equity (ytd only) | 3.3976% | 3,252 |
| Net charge-offs to loans | 0.0722% | 2,417 |
| Credit loss provision to net charge-offs | 68.9655% | 3,098 |
| Earnings coverage of net charge-offs (x) | 61.0345% | 947 |
| Efficiency ratio | 56.9866% | 4,658 |
| Assets per employee ($millions) | 6.5867% | 1,158 |
| Cash dividends to net income (ytd only)* | 75.1797% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 372 |
| Loan loss allowance to noncurrent loans | 102.3675% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 1,818 |
| Noncurrent loans to loans | 2.1461% | 693 |
| Net loans and leases to total assets | 34.0941% | 5,342 |
| Net loans and leases to deposits | 39.6757% | 5,345 |
| Net loans and leases to core deposits | 43.2270% | 5,317 |
| Total domestic deposits to total assets | 85.9320% | 2,472 |
| Equity capital to assets | 10.7161% | 2,925 |
| Core capital (leverage) ratio | 11.4795% | 1,954 |
| Tier 1 risk-based capital ratio | 22.5379% | 957 |
| Total risk-based capital ratio | 23.7919% | 939 |
| Memoranda: | ||
| Average total assets | $110,665,600 | 4,048 |
| Average earning assets | $101,725,000 | 4,066 |
| Average equity | $13,215,400 | 3,958 |
| Average total loans | $40,173,200 | 4,730 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 3,864 |
| Cost of funding earning assets | 0.3055% | 4,082 |
| Net interest margin | 3.5362% | 3,366 |
| Noninterest income to average assets | 0.5545% | 2,705 |
| Noninterest expense to average assets | 2.0706% | 4,798 |
| Loan and lease loss provision to assets | 0.0172% | 3,803 |
| Net operating income to assets | 1.7186% | 559 |
| Return on assets (ROA) | 1.7308% | 561 |
| Pretax return on assets | 1.7308% | 1,045 |
| Return on Equity (ROE) | 14.0995% | 814 |
| Retained earnings to average equity (ytd only) | 8.6035% | 977 |
| Net charge-offs to loans | -0.0067% | 4,525 |
| Credit loss provision to net charge-offs | -700.0000% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3990% | 4,906 |
| Assets per employee ($millions) | 6.2802% | 1,316 |
| Cash dividends to net income (ytd only)* | 38.9796% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 322 |
| Loan loss allowance to noncurrent loans | 11,662.5000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,642 |
| Noncurrent loans to loans | 0.0202% | 5,040 |
| Net loans and leases to total assets | 34.2920% | 5,409 |
| Net loans and leases to deposits | 40.7200% | 5,397 |
| Net loans and leases to core deposits | 44.6493% | 5,352 |
| Total domestic deposits to total assets | 84.2141% | 3,037 |
| Equity capital to assets | 12.2519% | 1,806 |
| Core capital (leverage) ratio | 12.0423% | 1,657 |
| Tier 1 risk-based capital ratio | 24.4598% | 807 |
| Total risk-based capital ratio | 25.7162% | 787 |
| Memoranda: | ||
| Average total assets | $108,692,000 | 4,123 |
| Average earning assets | $99,955,250 | 4,141 |
| Average equity | $13,343,000 | 3,977 |
| Average total loans | $39,884,000 | 4,784 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 3,931 |
| Cost of funding earning assets | 0.2969% | 4,108 |
| Net interest margin | 3.4915% | 3,436 |
| Noninterest income to average assets | 0.5558% | 2,685 |
| Noninterest expense to average assets | 2.1093% | 4,759 |
| Loan and lease loss provision to assets | 0.0149% | 3,658 |
| Net operating income to assets | 1.6337% | 645 |
| Return on assets (ROA) | 1.6337% | 666 |
| Pretax return on assets | 1.6337% | 1,243 |
| Return on Equity (ROE) | 13.2989% | 960 |
| Retained earnings to average equity (ytd only) | 9.9590% | 594 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1290% | 4,817 |
| Assets per employee ($millions) | 6.0671% | 1,405 |
| Cash dividends to net income (ytd only)* | 25.1142% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3640% | 346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,105 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 34.9819% | 5,415 |
| Net loans and leases to deposits | 41.7994% | 5,404 |
| Net loans and leases to core deposits | 46.0155% | 5,339 |
| Total domestic deposits to total assets | 83.6898% | 3,328 |
| Equity capital to assets | 12.7069% | 1,520 |
| Core capital (leverage) ratio | 12.3332% | 1,454 |
| Tier 1 risk-based capital ratio | 24.3322% | 822 |
| Total risk-based capital ratio | 25.5885% | 795 |
| Memoranda: | ||
| Average total assets | $107,241,330 | 4,182 |
| Average earning assets | $98,352,000 | 4,194 |
| Average equity | $13,174,000 | 4,012 |
| Average total loans | $39,946,000 | 4,810 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 3,788 |
| Cost of funding earning assets | 0.2958% | 4,091 |
| Net interest margin | 3.4966% | 3,286 |
| Noninterest income to average assets | 0.5872% | 2,476 |
| Noninterest expense to average assets | 2.2060% | 4,624 |
| Loan and lease loss provision to assets | 0.0075% | 3,458 |
| Net operating income to assets | 1.5773% | 709 |
| Return on assets (ROA) | 1.5773% | 727 |
| Pretax return on assets | 1.5773% | 1,295 |
| Return on Equity (ROE) | 13.0708% | 983 |
| Retained earnings to average equity (ytd only) | 13.0708% | 372 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1927% | 4,692 |
| Assets per employee ($millions) | 5.9319% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2916% | 416 |
| Loan loss allowance to noncurrent loans | 491.4439% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,015 |
| Noncurrent loans to loans | 0.4663% | 3,419 |
| Net loans and leases to total assets | 36.6977% | 5,379 |
| Net loans and leases to deposits | 43.7473% | 5,369 |
| Net loans and leases to core deposits | 48.2520% | 5,288 |
| Total domestic deposits to total assets | 83.8857% | 3,521 |
| Equity capital to assets | 12.2594% | 1,680 |
| Core capital (leverage) ratio | 12.6570% | 1,265 |
| Tier 1 risk-based capital ratio | 24.0655% | 864 |
| Total risk-based capital ratio | 25.3213% | 846 |
| Memoranda: | ||
| Average total assets | $106,258,000 | 4,238 |
| Average earning assets | $97,351,000 | 4,249 |
| Average equity | $12,822,500 | 4,084 |
| Average total loans | $40,355,000 | 4,838 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,116 |
| Cost of funding earning assets | 0.2941% | 4,130 |
| Net interest margin | 3.4391% | 3,670 |
| Noninterest income to average assets | 0.7823% | 1,819 |
| Noninterest expense to average assets | 2.1231% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8353% | 415 |
| Return on assets (ROA) | 1.8353% | 432 |
| Pretax return on assets | 1.8353% | 726 |
| Return on Equity (ROE) | 14.2256% | 741 |
| Retained earnings to average equity (ytd only) | 4.8453% | 2,447 |
| Net charge-offs to loans | 0.0435% | 3,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 113.2941% | 538 |
| Efficiency ratio | 53.6351% | 5,268 |
| Assets per employee ($millions) | 5.8745% | 1,562 |
| Cash dividends to net income (ytd only)* | 65.9398% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2582% | 432 |
| Loan loss allowance to noncurrent loans | 487.7660% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,608 |
| Noncurrent loans to loans | 0.4630% | 3,501 |
| Net loans and leases to total assets | 37.5351% | 5,417 |
| Net loans and leases to deposits | 44.7383% | 5,410 |
| Net loans and leases to core deposits | 48.7826% | 5,344 |
| Total domestic deposits to total assets | 83.8993% | 3,458 |
| Equity capital to assets | 11.8734% | 1,895 |
| Core capital (leverage) ratio | 12.1660% | 1,501 |
| Tier 1 risk-based capital ratio | 23.4864% | 920 |
| Total risk-based capital ratio | 24.7432% | 907 |
| Memoranda: | ||
| Average total assets | $104,941,600 | 4,258 |
| Average earning assets | $96,915,400 | 4,256 |
| Average equity | $13,539,000 | 4,018 |
| Average total loans | $39,107,200 | 4,906 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,144 |
| Cost of funding earning assets | 0.2950% | 4,157 |
| Net interest margin | 3.4362% | 3,719 |
| Noninterest income to average assets | 0.8580% | 1,553 |
| Noninterest expense to average assets | 2.0393% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0062% | 339 |
| Return on assets (ROA) | 2.0062% | 351 |
| Pretax return on assets | 2.0062% | 561 |
| Return on Equity (ROE) | 15.2432% | 642 |
| Retained earnings to average equity (ytd only) | 10.0203% | 573 |
| Net charge-offs to loans | 0.0620% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 87.5533% | 718 |
| Efficiency ratio | 50.4091% | 5,476 |
| Assets per employee ($millions) | 6.5208% | 1,089 |
| Cash dividends to net income (ytd only)* | 34.2639% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 404 |
| Loan loss allowance to noncurrent loans | 487.2340% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,722 |
| Noncurrent loans to loans | 0.4832% | 3,560 |
| Net loans and leases to total assets | 36.4123% | 5,535 |
| Net loans and leases to deposits | 44.1924% | 5,509 |
| Net loans and leases to core deposits | 48.3253% | 5,445 |
| Total domestic deposits to total assets | 82.3948% | 3,811 |
| Equity capital to assets | 13.7694% | 1,134 |
| Core capital (leverage) ratio | 12.4591% | 1,411 |
| Tier 1 risk-based capital ratio | 24.6487% | 846 |
| Total risk-based capital ratio | 25.9049% | 833 |
| Memoranda: | ||
| Average total assets | $104,741,750 | 4,305 |
| Average earning assets | $97,158,750 | 4,288 |
| Average equity | $13,785,000 | 4,004 |
| Average total loans | $38,732,250 | 4,964 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,273 |
| Cost of funding earning assets | 0.2880% | 4,266 |
| Net interest margin | 3.4210% | 3,798 |
| Noninterest income to average assets | 0.9840% | 1,157 |
| Noninterest expense to average assets | 2.0462% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1091% | 274 |
| Return on assets (ROA) | 2.1091% | 290 |
| Pretax return on assets | 2.1091% | 462 |
| Return on Equity (ROE) | 16.2751% | 503 |
| Retained earnings to average equity (ytd only) | 13.1849% | 226 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2428% | 5,608 |
| Assets per employee ($millions) | 5.7143% | 1,609 |
| Cash dividends to net income (ytd only)* | 18.9873% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 405 |
| Loan loss allowance to noncurrent loans | 494.1799% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 4,755 |
| Noncurrent loans to loans | 0.4880% | 3,624 |
| Net loans and leases to total assets | 36.7419% | 5,575 |
| Net loans and leases to deposits | 44.7126% | 5,539 |
| Net loans and leases to core deposits | 48.8117% | 5,471 |
| Total domestic deposits to total assets | 82.1735% | 3,947 |
| Equity capital to assets | 13.9872% | 1,033 |
| Core capital (leverage) ratio | 12.5792% | 1,314 |
| Tier 1 risk-based capital ratio | 24.8898% | 818 |
| Total risk-based capital ratio | 26.1469% | 803 |
| Memoranda: | ||
| Average total assets | $104,878,000 | 4,334 |
| Average earning assets | $97,221,670 | 4,322 |
| Average equity | $13,591,330 | 4,058 |
| Average total loans | $38,674,330 | 5,020 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,325 |
| Cost of funding earning assets | 0.2940% | 4,227 |
| Net interest margin | 3.4054% | 3,854 |
| Noninterest income to average assets | 0.6044% | 2,505 |
| Noninterest expense to average assets | 2.0701% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6848% | 595 |
| Return on assets (ROA) | 1.6848% | 633 |
| Pretax return on assets | 1.6848% | 1,102 |
| Return on Equity (ROE) | 13.5218% | 928 |
| Retained earnings to average equity (ytd only) | 13.5218% | 353 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1308% | 5,275 |
| Assets per employee ($millions) | 5.7303% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 411 |
| Loan loss allowance to noncurrent loans | 2,594.4444% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,498 |
| Noncurrent loans to loans | 0.0944% | 5,094 |
| Net loans and leases to total assets | 36.0625% | 5,635 |
| Net loans and leases to deposits | 43.4692% | 5,614 |
| Net loans and leases to core deposits | 47.3986% | 5,535 |
| Total domestic deposits to total assets | 82.9610% | 3,912 |
| Equity capital to assets | 13.2269% | 1,304 |
| Core capital (leverage) ratio | 12.0716% | 1,563 |
| Tier 1 risk-based capital ratio | 24.3037% | 889 |
| Total risk-based capital ratio | 25.5600% | 871 |
| Memoranda: | ||
| Average total assets | $105,888,000 | 4,350 |
| Average earning assets | $97,962,500 | 4,341 |
| Average equity | $13,193,500 | 4,133 |
| Average total loans | $38,648,500 | 5,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,400 |
| Cost of funding earning assets | 0.2710% | 4,573 |
| Net interest margin | 3.4172% | 3,843 |
| Noninterest income to average assets | 0.6793% | 2,296 |
| Noninterest expense to average assets | 2.1775% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6912% | 588 |
| Return on assets (ROA) | 1.6912% | 604 |
| Pretax return on assets | 1.6912% | 1,018 |
| Return on Equity (ROE) | 14.0769% | 831 |
| Retained earnings to average equity (ytd only) | 4.1724% | 3,017 |
| Net charge-offs to loans | 0.0138% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 186 |
| Efficiency ratio | 56.2848% | 5,319 |
| Assets per employee ($millions) | 5.4315% | 1,876 |
| Cash dividends to net income (ytd only)* | 70.3601% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3847% | 463 |
| Loan loss allowance to noncurrent loans | 2,524.3243% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 5,548 |
| Noncurrent loans to loans | 0.0945% | 5,118 |
| Net loans and leases to total assets | 35.1947% | 5,736 |
| Net loans and leases to deposits | 41.5651% | 5,723 |
| Net loans and leases to core deposits | 45.0371% | 5,681 |
| Total domestic deposits to total assets | 84.6737% | 3,223 |
| Equity capital to assets | 11.7316% | 2,168 |
| Core capital (leverage) ratio | 11.5171% | 1,952 |
| Tier 1 risk-based capital ratio | 22.0902% | 1,131 |
| Total risk-based capital ratio | 23.3478% | 1,109 |
| Memoranda: | ||
| Average total assets | $106,727,200 | 4,319 |
| Average earning assets | $99,613,800 | 4,302 |
| Average equity | $12,822,400 | 4,169 |
| Average total loans | $36,288,000 | 5,145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 4,443 |
| Cost of funding earning assets | 0.2690% | 4,674 |
| Net interest margin | 3.4239% | 3,863 |
| Noninterest income to average assets | 0.5772% | 2,867 |
| Noninterest expense to average assets | 2.0994% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6878% | 642 |
| Return on assets (ROA) | 1.6878% | 665 |
| Pretax return on assets | 1.6878% | 1,139 |
| Return on Equity (ROE) | 13.9643% | 917 |
| Retained earnings to average equity (ytd only) | 8.3578% | 1,108 |
| Net charge-offs to loans | 0.0150% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 336.4522% | 220 |
| Efficiency ratio | 55.4341% | 5,414 |
| Assets per employee ($millions) | 5.1450% | 2,115 |
| Cash dividends to net income (ytd only)* | 40.1486% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6374% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 33.5442% | 5,877 |
| Net loans and leases to deposits | 39.9419% | 5,866 |
| Net loans and leases to core deposits | 43.8166% | 5,796 |
| Total domestic deposits to total assets | 83.9825% | 3,437 |
| Equity capital to assets | 12.8076% | 1,559 |
| Core capital (leverage) ratio | 11.8646% | 1,765 |
| Tier 1 risk-based capital ratio | 25.8006% | 789 |
| Total risk-based capital ratio | 27.0590% | 772 |
| Memoranda: | ||
| Average total assets | $106,251,500 | 4,377 |
| Average earning assets | $99,612,000 | 4,342 |
| Average equity | $12,842,000 | 4,207 |
| Average total loans | $35,568,500 | 5,230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,389 |
| Cost of funding earning assets | 0.2692% | 4,729 |
| Net interest margin | 3.4363% | 3,767 |
| Noninterest income to average assets | 0.5663% | 2,934 |
| Noninterest expense to average assets | 2.1310% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6448% | 689 |
| Return on assets (ROA) | 1.6448% | 717 |
| Pretax return on assets | 1.6448% | 1,201 |
| Return on Equity (ROE) | 13.8731% | 931 |
| Retained earnings to average equity (ytd only) | 10.5737% | 566 |
| Net charge-offs to loans | 0.0225% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 220.7500% | 317 |
| Efficiency ratio | 56.4381% | 5,390 |
| Assets per employee ($millions) | 5.5843% | 1,671 |
| Cash dividends to net income (ytd only)* | 23.7826% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 421 |
| Loan loss allowance to noncurrent loans | 259.0028% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 4,517 |
| Noncurrent loans to loans | 1.0103% | 2,626 |
| Net loans and leases to total assets | 32.7961% | 5,936 |
| Net loans and leases to deposits | 38.7473% | 5,947 |
| Net loans and leases to core deposits | 42.3496% | 5,887 |
| Total domestic deposits to total assets | 84.6410% | 3,275 |
| Equity capital to assets | 11.9301% | 2,079 |
| Core capital (leverage) ratio | 11.4155% | 2,059 |
| Tier 1 risk-based capital ratio | 25.0154% | 860 |
| Total risk-based capital ratio | 26.2734% | 846 |
| Memoranda: | ||
| Average total assets | $107,368,670 | 4,397 |
| Average earning assets | $100,283,670 | 4,363 |
| Average equity | $12,729,670 | 4,257 |
| Average total loans | $35,607,330 | 5,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 4,794 |
| Cost of funding earning assets | 0.2698% | 4,790 |
| Net interest margin | 3.2929% | 4,256 |
| Noninterest income to average assets | 0.5926% | 2,686 |
| Noninterest expense to average assets | 2.2370% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4296% | 981 |
| Return on assets (ROA) | 1.4296% | 1,034 |
| Pretax return on assets | 1.4296% | 1,776 |
| Return on Equity (ROE) | 12.0951% | 1,321 |
| Retained earnings to average equity (ytd only) | 12.0951% | 559 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0101% | 4,965 |
| Assets per employee ($millions) | 6.1159% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6907% | 411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.8474% | 6,042 |
| Net loans and leases to deposits | 35.7005% | 6,068 |
| Net loans and leases to core deposits | 38.9286% | 6,009 |
| Total domestic deposits to total assets | 86.4062% | 2,709 |
| Equity capital to assets | 11.8479% | 2,151 |
| Core capital (leverage) ratio | 10.2955% | 3,219 |
| Tier 1 risk-based capital ratio | 22.6600% | 1,149 |
| Total risk-based capital ratio | 23.9190% | 1,133 |
| Memoranda: | ||
| Average total assets | $108,002,500 | 4,414 |
| Average earning assets | $100,823,500 | 4,378 |
| Average equity | $12,765,500 | 4,280 |
| Average total loans | $35,545,000 | 5,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 4,316 |
| Cost of funding earning assets | 0.2797% | 5,003 |
| Net interest margin | 3.5705% | 3,517 |
| Noninterest income to average assets | 0.6364% | 2,635 |
| Noninterest expense to average assets | 2.1390% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8502% | 429 |
| Return on assets (ROA) | 1.8502% | 444 |
| Pretax return on assets | 1.8502% | 713 |
| Return on Equity (ROE) | 16.4244% | 562 |
| Retained earnings to average equity (ytd only) | 5.5376% | 2,238 |
| Net charge-offs to loans | 0.0332% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 174.1818% | 306 |
| Efficiency ratio | 53.6190% | 5,873 |
| Assets per employee ($millions) | 5.8843% | 1,463 |
| Cash dividends to net income (ytd only)* | 66.2839% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5945% | 488 |
| Loan loss allowance to noncurrent loans | 399.5745% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 5,137 |
| Noncurrent loans to loans | 0.6493% | 3,741 |
| Net loans and leases to total assets | 33.2833% | 6,073 |
| Net loans and leases to deposits | 38.5165% | 6,082 |
| Net loans and leases to core deposits | 42.0214% | 6,042 |
| Total domestic deposits to total assets | 86.4131% | 2,612 |
| Equity capital to assets | 11.7903% | 2,180 |
| Core capital (leverage) ratio | 11.0277% | 2,386 |
| Tier 1 risk-based capital ratio | 22.0981% | 1,209 |
| Total risk-based capital ratio | 23.3552% | 1,182 |
| Memoranda: | ||
| Average total assets | $103,553,800 | 4,514 |
| Average earning assets | $97,242,400 | 4,473 |
| Average equity | $11,665,600 | 4,425 |
| Average total loans | $33,172,400 | 5,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,476 |
| Cost of funding earning assets | 0.2819% | 5,077 |
| Net interest margin | 3.5369% | 3,688 |
| Noninterest income to average assets | 0.6358% | 2,645 |
| Noninterest expense to average assets | 2.0188% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9476% | 379 |
| Return on assets (ROA) | 1.9476% | 387 |
| Pretax return on assets | 1.9476% | 641 |
| Return on Equity (ROE) | 17.4981% | 491 |
| Retained earnings to average equity (ytd only) | 11.5646% | 448 |
| Net charge-offs to loans | 0.0041% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,507.7293% | 39 |
| Efficiency ratio | 50.8978% | 6,058 |
| Assets per employee ($millions) | 5.4548% | 1,765 |
| Cash dividends to net income (ytd only)* | 33.9095% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8835% | 402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 30.8388% | 6,231 |
| Net loans and leases to deposits | 35.8966% | 6,245 |
| Net loans and leases to core deposits | 39.2610% | 6,196 |
| Total domestic deposits to total assets | 85.9102% | 2,892 |
| Equity capital to assets | 11.9874% | 2,070 |
| Core capital (leverage) ratio | 11.4468% | 2,104 |
| Tier 1 risk-based capital ratio | 23.5699% | 1,041 |
| Total risk-based capital ratio | 24.8287% | 1,024 |
| Memoranda: | ||
| Average total assets | $102,962,750 | 4,574 |
| Average earning assets | $96,955,750 | 4,526 |
| Average equity | $11,460,000 | 4,495 |
| Average total loans | $32,417,500 | 5,517 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 4,335 |
| Cost of funding earning assets | 0.2873% | 5,105 |
| Net interest margin | 3.5632% | 3,516 |
| Noninterest income to average assets | 0.6249% | 2,682 |
| Noninterest expense to average assets | 2.0674% | 5,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9136% | 402 |
| Return on assets (ROA) | 1.9136% | 418 |
| Pretax return on assets | 1.9136% | 668 |
| Return on Equity (ROE) | 17.6502% | 493 |
| Retained earnings to average equity (ytd only) | 13.8796% | 271 |
| Net charge-offs to loans | 0.0124% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 491.5000% | 144 |
| Efficiency ratio | 51.9315% | 6,068 |
| Assets per employee ($millions) | 5.7325% | 1,493 |
| Cash dividends to net income (ytd only)* | 21.3632% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0239% | 373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 29.4636% | 6,326 |
| Net loans and leases to deposits | 34.1841% | 6,340 |
| Net loans and leases to core deposits | 37.3907% | 6,295 |
| Total domestic deposits to total assets | 86.1908% | 2,939 |
| Equity capital to assets | 11.9833% | 1,998 |
| Core capital (leverage) ratio | 11.3591% | 2,110 |
| Tier 1 risk-based capital ratio | 24.0544% | 974 |
| Total risk-based capital ratio | 25.3138% | 954 |
| Memoranda: | ||
| Average total assets | $102,736,330 | 4,613 |
| Average earning assets | $96,766,670 | 4,560 |
| Average equity | $11,138,670 | 4,572 |
| Average total loans | $32,253,000 | 5,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 3,983 |
| Cost of funding earning assets | 0.2959% | 5,106 |
| Net interest margin | 3.6305% | 3,137 |
| Noninterest income to average assets | 0.6516% | 2,451 |
| Noninterest expense to average assets | 2.1539% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8964% | 394 |
| Return on assets (ROA) | 1.8964% | 414 |
| Pretax return on assets | 1.8964% | 653 |
| Return on Equity (ROE) | 18.4694% | 403 |
| Retained earnings to average equity (ytd only) | 18.4694% | 164 |
| Net charge-offs to loans | 0.0245% | 3,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 243.0000% | 203 |
| Efficiency ratio | 53.1792% | 6,074 |
| Assets per employee ($millions) | 5.3624% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9055% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 31.0936% | 6,301 |
| Net loans and leases to deposits | 35.7062% | 6,328 |
| Net loans and leases to core deposits | 38.9184% | 6,276 |
| Total domestic deposits to total assets | 87.0816% | 2,756 |
| Equity capital to assets | 11.0830% | 2,644 |
| Core capital (leverage) ratio | 11.1928% | 2,229 |
| Tier 1 risk-based capital ratio | 23.1952% | 1,114 |
| Total risk-based capital ratio | 24.3646% | 1,117 |
| Memoranda: | ||
| Average total assets | $102,512,000 | 4,669 |
| Average earning assets | $95,963,500 | 4,631 |
| Average equity | $10,525,500 | 4,723 |
| Average total loans | $32,704,500 | 5,597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 4,065 |
| Cost of funding earning assets | 0.3385% | 5,256 |
| Net interest margin | 3.6686% | 3,180 |
| Noninterest income to average assets | 0.6412% | 2,858 |
| Noninterest expense to average assets | 2.2480% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7936% | 489 |
| Return on assets (ROA) | 1.7936% | 504 |
| Pretax return on assets | 1.7936% | 769 |
| Return on Equity (ROE) | 16.8262% | 521 |
| Retained earnings to average equity (ytd only) | 4.8232% | 2,714 |
| Net charge-offs to loans | 0.0122% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 458.7500% | 86 |
| Efficiency ratio | 55.6227% | 5,987 |
| Assets per employee ($millions) | 5.1569% | 2,002 |
| Cash dividends to net income (ytd only)* | 71.3351% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8980% | 524 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,423 |
| Noncurrent loans to loans | 0.0153% | 6,228 |
| Net loans and leases to total assets | 30.8625% | 6,430 |
| Net loans and leases to deposits | 34.7773% | 6,466 |
| Net loans and leases to core deposits | 37.8000% | 6,423 |
| Total domestic deposits to total assets | 88.7432% | 1,783 |
| Equity capital to assets | 9.4621% | 4,482 |
| Core capital (leverage) ratio | 10.6236% | 2,757 |
| Tier 1 risk-based capital ratio | 22.6160% | 1,159 |
| Total risk-based capital ratio | 23.7905% | 1,146 |
| Memoranda: | ||
| Average total assets | $102,311,000 | 4,691 |
| Average earning assets | $94,832,600 | 4,658 |
| Average equity | $10,905,600 | 4,653 |
| Average total loans | $32,785,800 | 5,631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,983 |
| Cost of funding earning assets | 0.3495% | 5,299 |
| Net interest margin | 3.6893% | 3,069 |
| Noninterest income to average assets | 0.6425% | 2,918 |
| Noninterest expense to average assets | 2.1102% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9509% | 400 |
| Return on assets (ROA) | 1.9509% | 414 |
| Pretax return on assets | 1.9509% | 650 |
| Return on Equity (ROE) | 17.7976% | 455 |
| Retained earnings to average equity (ytd only) | 11.6507% | 477 |
| Net charge-offs to loans | -0.0203% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9614% | 6,258 |
| Assets per employee ($millions) | 5.2243% | 1,915 |
| Cash dividends to net income (ytd only)* | 34.5380% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0368% | 529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 30.8477% | 6,502 |
| Net loans and leases to deposits | 35.3494% | 6,534 |
| Net loans and leases to core deposits | 38.6099% | 6,486 |
| Total domestic deposits to total assets | 87.2650% | 2,523 |
| Equity capital to assets | 10.8732% | 2,892 |
| Core capital (leverage) ratio | 11.2204% | 2,284 |
| Tier 1 risk-based capital ratio | 24.7128% | 906 |
| Total risk-based capital ratio | 25.9733% | 889 |
| Memoranda: | ||
| Average total assets | $102,104,250 | 4,735 |
| Average earning assets | $94,613,500 | 4,707 |
| Average equity | $11,192,250 | 4,649 |
| Average total loans | $32,787,000 | 5,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,837 |
| Cost of funding earning assets | 0.3708% | 5,220 |
| Net interest margin | 3.7021% | 2,948 |
| Noninterest income to average assets | 0.6424% | 2,951 |
| Noninterest expense to average assets | 2.1310% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9214% | 407 |
| Return on assets (ROA) | 1.9214% | 441 |
| Pretax return on assets | 1.9214% | 717 |
| Return on Equity (ROE) | 17.4829% | 512 |
| Retained earnings to average equity (ytd only) | 13.1387% | 368 |
| Net charge-offs to loans | -0.0301% | 6,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5862% | 6,251 |
| Assets per employee ($millions) | 4.9978% | 2,119 |
| Cash dividends to net income (ytd only)* | 24.8485% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9752% | 596 |
| Loan loss allowance to noncurrent loans | 1,918.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 6,356 |
| Noncurrent loans to loans | 0.1551% | 5,937 |
| Net loans and leases to total assets | 31.2881% | 6,533 |
| Net loans and leases to deposits | 36.2072% | 6,552 |
| Net loans and leases to core deposits | 39.5553% | 6,489 |
| Total domestic deposits to total assets | 86.4139% | 3,161 |
| Equity capital to assets | 10.7608% | 2,984 |
| Core capital (leverage) ratio | 10.7450% | 2,624 |
| Tier 1 risk-based capital ratio | 21.9760% | 1,286 |
| Total risk-based capital ratio | 23.2339% | 1,265 |
| Memoranda: | ||
| Average total assets | $103,051,670 | 4,744 |
| Average earning assets | $94,918,000 | 4,729 |
| Average equity | $11,325,330 | 4,657 |
| Average total loans | $33,189,670 | 5,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,969 |
| Cost of funding earning assets | 0.3650% | 5,415 |
| Net interest margin | 3.6712% | 2,982 |
| Noninterest income to average assets | 0.6386% | 2,939 |
| Noninterest expense to average assets | 2.1300% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8929% | 416 |
| Return on assets (ROA) | 1.8929% | 450 |
| Pretax return on assets | 1.8929% | 747 |
| Return on Equity (ROE) | 17.0543% | 508 |
| Retained earnings to average equity (ytd only) | 17.0543% | 229 |
| Net charge-offs to loans | -0.0594% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9468% | 6,313 |
| Assets per employee ($millions) | 4.9855% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9521% | 691 |
| Loan loss allowance to noncurrent loans | 3,836.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,542 |
| Noncurrent loans to loans | 0.0770% | 6,252 |
| Net loans and leases to total assets | 30.1119% | 6,600 |
| Net loans and leases to deposits | 34.8916% | 6,605 |
| Net loans and leases to core deposits | 37.8255% | 6,566 |
| Total domestic deposits to total assets | 86.3013% | 3,358 |
| Equity capital to assets | 11.0243% | 2,937 |
| Core capital (leverage) ratio | 10.6197% | 2,637 |
| Tier 1 risk-based capital ratio | 22.1498% | 1,302 |
| Total risk-based capital ratio | 23.4100% | 1,273 |
| Memoranda: | ||
| Average total assets | $104,600,000 | 4,759 |
| Average earning assets | $96,425,500 | 4,727 |
| Average equity | $11,610,000 | 4,652 |
| Average total loans | $33,668,000 | 5,718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 4,268 |
| Cost of funding earning assets | 0.4209% | 5,781 |
| Net interest margin | 3.8608% | 2,983 |
| Noninterest income to average assets | 0.8675% | 1,962 |
| Noninterest expense to average assets | 1.9581% | 6,401 |
| Loan and lease loss provision to assets | 0.0195% | 5,659 |
| Net operating income to assets | 2.4624% | 160 |
| Return on assets (ROA) | 2.4624% | 174 |
| Pretax return on assets | 2.4624% | 268 |
| Return on Equity (ROE) | 21.4569% | 240 |
| Retained earnings to average equity (ytd only) | 6.9487% | 1,595 |
| Net charge-offs to loans | -0.1129% | 6,848 |
| Credit loss provision to net charge-offs | -52.6316% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1009% | 6,843 |
| Assets per employee ($millions) | 5.2252% | 1,965 |
| Cash dividends to net income (ytd only)* | 67.6157% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7374% | 890 |
| Loan loss allowance to noncurrent loans | 95,400.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,720 |
| Noncurrent loans to loans | 0.0029% | 6,585 |
| Net loans and leases to total assets | 32.4361% | 6,609 |
| Net loans and leases to deposits | 37.6483% | 6,643 |
| Net loans and leases to core deposits | 40.2190% | 6,608 |
| Total domestic deposits to total assets | 86.1556% | 3,274 |
| Equity capital to assets | 11.1747% | 2,764 |
| Core capital (leverage) ratio | 10.4531% | 2,825 |
| Tier 1 risk-based capital ratio | 20.7985% | 1,504 |
| Total risk-based capital ratio | 22.0587% | 1,469 |
| Memoranda: | ||
| Average total assets | $102,703,400 | 4,767 |
| Average earning assets | $95,031,600 | 4,723 |
| Average equity | $11,786,400 | 4,615 |
| Average total loans | $33,652,200 | 5,770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 4,353 |
| Cost of funding earning assets | 0.4384% | 5,875 |
| Net interest margin | 3.8856% | 2,966 |
| Noninterest income to average assets | 0.8827% | 1,897 |
| Noninterest expense to average assets | 1.8411% | 6,629 |
| Loan and lease loss provision to assets | 0.0261% | 5,457 |
| Net operating income to assets | 2.6209% | 146 |
| Return on assets (ROA) | 2.6209% | 159 |
| Pretax return on assets | 2.6209% | 249 |
| Return on Equity (ROE) | 22.6853% | 206 |
| Retained earnings to average equity (ytd only) | 15.2365% | 223 |
| Net charge-offs to loans | -0.0120% | 6,399 |
| Credit loss provision to net charge-offs | -666.6667% | 6,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0227% | 6,995 |
| Assets per employee ($millions) | 5.4274% | 1,704 |
| Cash dividends to net income (ytd only)* | 32.8359% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7518% | 932 |
| Loan loss allowance to noncurrent loans | 212.7315% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,559 |
| Noncurrent loans to loans | 1.2936% | 3,878 |
| Net loans and leases to total assets | 33.2436% | 6,693 |
| Net loans and leases to deposits | 39.7340% | 6,682 |
| Net loans and leases to core deposits | 42.7430% | 6,643 |
| Total domestic deposits to total assets | 83.6653% | 4,367 |
| Equity capital to assets | 12.6384% | 1,805 |
| Core capital (leverage) ratio | 10.8945% | 2,494 |
| Tier 1 risk-based capital ratio | 22.7613% | 1,204 |
| Total risk-based capital ratio | 24.0184% | 1,188 |
| Memoranda: | ||
| Average total assets | $102,253,250 | 4,820 |
| Average earning assets | $94,878,750 | 4,774 |
| Average equity | $11,813,500 | 4,651 |
| Average total loans | $33,352,500 | 5,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 4,772 |
| Cost of funding earning assets | 0.4423% | 6,018 |
| Net interest margin | 3.8050% | 3,333 |
| Noninterest income to average assets | 0.9945% | 1,484 |
| Noninterest expense to average assets | 1.7885% | 6,764 |
| Loan and lease loss provision to assets | 0.0385% | 5,191 |
| Net operating income to assets | 2.7155% | 132 |
| Return on assets (ROA) | 2.7155% | 141 |
| Pretax return on assets | 2.7155% | 215 |
| Return on Equity (ROE) | 24.2186% | 174 |
| Retained earnings to average equity (ytd only) | 19.0621% | 121 |
| Net charge-offs to loans | 0.0060% | 5,406 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 1,429.0000% | 17 |
| Efficiency ratio | 39.3721% | 7,072 |
| Assets per employee ($millions) | 6.1214% | 1,156 |
| Cash dividends to net income (ytd only)* | 21.2917% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7988% | 947 |
| Loan loss allowance to noncurrent loans | 91,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,875 |
| Noncurrent loans to loans | 0.0031% | 6,720 |
| Net loans and leases to total assets | 28.8394% | 6,908 |
| Net loans and leases to deposits | 33.3522% | 6,934 |
| Net loans and leases to core deposits | 35.4959% | 6,923 |
| Total domestic deposits to total assets | 86.4692% | 3,088 |
| Equity capital to assets | 11.0504% | 3,062 |
| Core capital (leverage) ratio | 9.7134% | 3,812 |
| Tier 1 risk-based capital ratio | 20.5579% | 1,560 |
| Total risk-based capital ratio | 21.8141% | 1,541 |
| Memoranda: | ||
| Average total assets | $103,773,000 | 4,807 |
| Average earning assets | $96,767,330 | 4,741 |
| Average equity | $11,635,670 | 4,687 |
| Average total loans | $33,338,000 | 5,897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 4,463 |
| Cost of funding earning assets | 0.4780% | 5,959 |
| Net interest margin | 3.8846% | 2,987 |
| Noninterest income to average assets | 1.4040% | 730 |
| Noninterest expense to average assets | 1.8495% | 6,741 |
| Loan and lease loss provision to assets | 0.0597% | 4,665 |
| Net operating income to assets | 3.0825% | 100 |
| Return on assets (ROA) | 3.0825% | 116 |
| Pretax return on assets | 3.0825% | 171 |
| Return on Equity (ROE) | 27.2755% | 137 |
| Retained earnings to average equity (ytd only) | 27.2755% | 73 |
| Net charge-offs to loans | 0.0238% | 4,356 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 71 |
| Efficiency ratio | 37.0518% | 7,166 |
| Assets per employee ($millions) | 6.0498% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7545% | 1,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.4694% | 6,927 |
| Net loans and leases to deposits | 33.9253% | 6,955 |
| Net loans and leases to core deposits | 36.1222% | 6,939 |
| Total domestic deposits to total assets | 86.8654% | 3,033 |
| Equity capital to assets | 10.6340% | 3,340 |
| Core capital (leverage) ratio | 11.0272% | 2,241 |
| Tier 1 risk-based capital ratio | 20.3822% | 1,623 |
| Total risk-based capital ratio | 21.6384% | 1,590 |
| Memoranda: | ||
| Average total assets | $100,566,500 | 4,927 |
| Average earning assets | $92,878,500 | 4,882 |
| Average equity | $11,365,500 | 4,753 |
| Average total loans | $33,661,000 | 5,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,712 |
| Cost of funding earning assets | 0.6495% | 5,830 |
| Net interest margin | 4.6468% | 840 |
| Noninterest income to average assets | 0.8078% | 2,017 |
| Noninterest expense to average assets | 2.4493% | 5,634 |
| Loan and lease loss provision to assets | 0.0234% | 6,284 |
| Net operating income to assets | 2.6298% | 116 |
| Return on assets (ROA) | 2.6298% | 119 |
| Pretax return on assets | 2.6298% | 172 |
| Return on Equity (ROE) | 20.9763% | 225 |
| Retained earnings to average equity (ytd only) | 6.3406% | 1,832 |
| Net charge-offs to loans | -0.2203% | 7,219 |
| Credit loss provision to net charge-offs | -27.0270% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0009% | 6,948 |
| Assets per employee ($millions) | 4.8546% | 2,372 |
| Cash dividends to net income (ytd only)* | 69.7726% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 1,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.2393% | 6,755 |
| Net loans and leases to deposits | 42.6532% | 6,781 |
| Net loans and leases to core deposits | 46.0318% | 6,737 |
| Total domestic deposits to total assets | 84.9627% | 3,873 |
| Equity capital to assets | 12.0895% | 2,051 |
| Core capital (leverage) ratio | 10.6398% | 2,569 |
| Tier 1 risk-based capital ratio | 20.0982% | 1,620 |
| Total risk-based capital ratio | 21.3575% | 1,585 |
| Memoranda: | ||
| Average total assets | $85,291,400 | 5,304 |
| Average earning assets | $78,828,600 | 5,266 |
| Average equity | $10,693,000 | 4,860 |
| Average total loans | $33,584,400 | 5,975 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 1,783 |
| Cost of funding earning assets | 0.6841% | 5,857 |
| Net interest margin | 4.6368% | 877 |
| Noninterest income to average assets | 0.8314% | 1,922 |
| Noninterest expense to average assets | 2.3361% | 5,943 |
| Loan and lease loss provision to assets | 0.0160% | 6,232 |
| Net operating income to assets | 2.7734% | 107 |
| Return on assets (ROA) | 2.7734% | 110 |
| Pretax return on assets | 2.7734% | 168 |
| Return on Equity (ROE) | 21.9056% | 221 |
| Retained earnings to average equity (ytd only) | 15.0364% | 228 |
| Net charge-offs to loans | -0.2874% | 7,300 |
| Credit loss provision to net charge-offs | -13.8889% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5791% | 7,083 |
| Assets per employee ($millions) | 4.5816% | 2,788 |
| Cash dividends to net income (ytd only)* | 31.3579% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6108% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 37.8817% | 6,774 |
| Net loans and leases to deposits | 45.6478% | 6,750 |
| Net loans and leases to core deposits | 49.5969% | 6,690 |
| Total domestic deposits to total assets | 82.9868% | 4,690 |
| Equity capital to assets | 13.9070% | 1,192 |
| Core capital (leverage) ratio | 11.7263% | 1,873 |
| Tier 1 risk-based capital ratio | 21.7905% | 1,324 |
| Total risk-based capital ratio | 23.0486% | 1,293 |
| Memoranda: | ||
| Average total assets | $83,555,000 | 5,384 |
| Average earning assets | $77,379,250 | 5,343 |
| Average equity | $10,578,500 | 4,900 |
| Average total loans | $33,400,000 | 6,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 1,798 |
| Cost of funding earning assets | 0.7109% | 5,896 |
| Net interest margin | 4.6146% | 884 |
| Noninterest income to average assets | 0.9249% | 1,561 |
| Noninterest expense to average assets | 2.3838% | 5,890 |
| Loan and lease loss provision to assets | 0.0121% | 6,123 |
| Net operating income to assets | 2.7989% | 115 |
| Return on assets (ROA) | 2.7989% | 117 |
| Pretax return on assets | 2.7989% | 166 |
| Return on Equity (ROE) | 22.9012% | 204 |
| Retained earnings to average equity (ytd only) | 18.0350% | 139 |
| Net charge-offs to loans | -0.1865% | 7,281 |
| Credit loss provision to net charge-offs | -16.1290% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8879% | 7,159 |
| Assets per employee ($millions) | 4.6504% | 2,612 |
| Cash dividends to net income (ytd only)* | 21.2489% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6036% | 1,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 37.4492% | 6,889 |
| Net loans and leases to deposits | 43.6001% | 6,933 |
| Net loans and leases to core deposits | 47.3900% | 6,883 |
| Total domestic deposits to total assets | 85.8926% | 3,382 |
| Equity capital to assets | 13.3237% | 1,370 |
| Core capital (leverage) ratio | 11.8697% | 1,685 |
| Tier 1 risk-based capital ratio | 22.1292% | 1,236 |
| Total risk-based capital ratio | 23.3874% | 1,205 |
| Memoranda: | ||
| Average total assets | $82,390,000 | 5,475 |
| Average earning assets | $76,237,000 | 5,428 |
| Average equity | $10,069,330 | 5,034 |
| Average total loans | $33,246,670 | 6,120 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 2,185 |
| Cost of funding earning assets | 0.7407% | 5,921 |
| Net interest margin | 4.4704% | 1,129 |
| Noninterest income to average assets | 0.8418% | 1,880 |
| Noninterest expense to average assets | 2.2709% | 6,255 |
| Loan and lease loss provision to assets | 0.0245% | 5,655 |
| Net operating income to assets | 2.6820% | 147 |
| Return on assets (ROA) | 2.6820% | 152 |
| Pretax return on assets | 2.6820% | 201 |
| Return on Equity (ROE) | 23.0071% | 211 |
| Retained earnings to average equity (ytd only) | 23.0071% | 122 |
| Net charge-offs to loans | -0.2368% | 7,292 |
| Credit loss provision to net charge-offs | -25.0000% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6244% | 7,218 |
| Assets per employee ($millions) | 4.5805% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,401.6949% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 6,981 |
| Noncurrent loans to loans | 0.1740% | 6,615 |
| Net loans and leases to total assets | 40.1266% | 6,767 |
| Net loans and leases to deposits | 45.9647% | 6,853 |
| Net loans and leases to core deposits | 49.9622% | 6,776 |
| Total domestic deposits to total assets | 87.2988% | 2,764 |
| Equity capital to assets | 12.0365% | 1,897 |
| Core capital (leverage) ratio | 11.6552% | 1,768 |
| Tier 1 risk-based capital ratio | 20.7829% | 1,436 |
| Total risk-based capital ratio | 22.0410% | 1,412 |
| Memoranda: | ||
| Average total assets | $81,731,000 | 5,532 |
| Average earning assets | $75,609,000 | 5,491 |
| Average equity | $9,527,500 | 5,168 |
| Average total loans | $33,777,000 | 6,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3278% | 2,990 |
| Cost of funding earning assets | 0.9117% | 6,124 |
| Net interest margin | 4.4161% | 1,429 |
| Noninterest income to average assets | 0.9961% | 1,516 |
| Noninterest expense to average assets | 2.8249% | 4,497 |
| Loan and lease loss provision to assets | 0.1285% | 5,883 |
| Net operating income to assets | 2.1078% | 231 |
| Return on assets (ROA) | 2.1078% | 242 |
| Pretax return on assets | 2.1078% | 383 |
| Return on Equity (ROE) | 17.0443% | 474 |
| Retained earnings to average equity (ytd only) | 4.4689% | 2,738 |
| Net charge-offs to loans | 0.0403% | 6,402 |
| Credit loss provision to net charge-offs | 769.2308% | 280 |
| Earnings coverage of net charge-offs (x) | 133.8462% | 188 |
| Efficiency ratio | 55.8151% | 6,618 |
| Assets per employee ($millions) | 4.0507% | 3,678 |
| Cash dividends to net income (ytd only)* | 73.7805% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 1,568 |
| Loan loss allowance to noncurrent loans | 267.3333% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,344 |
| Noncurrent loans to loans | 0.8917% | 5,274 |
| Net loans and leases to total assets | 40.5379% | 6,931 |
| Net loans and leases to deposits | 46.0255% | 7,041 |
| Net loans and leases to core deposits | 50.0656% | 6,971 |
| Total domestic deposits to total assets | 88.0772% | 2,203 |
| Equity capital to assets | 11.2710% | 2,437 |
| Core capital (leverage) ratio | 11.0620% | 2,116 |
| Tier 1 risk-based capital ratio | 19.6852% | 1,557 |
| Total risk-based capital ratio | 20.9421% | 1,523 |
| Memoranda: | ||
| Average total assets | $77,807,000 | 5,651 |
| Average earning assets | $71,623,800 | 5,615 |
| Average equity | $9,622,000 | 5,229 |
| Average total loans | $32,281,600 | 6,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 3,088 |
| Cost of funding earning assets | 0.9534% | 6,155 |
| Net interest margin | 4.4035% | 1,513 |
| Noninterest income to average assets | 1.0510% | 1,305 |
| Noninterest expense to average assets | 2.7703% | 4,597 |
| Loan and lease loss provision to assets | 0.1645% | 5,394 |
| Net operating income to assets | 2.1626% | 258 |
| Return on assets (ROA) | 2.1626% | 275 |
| Pretax return on assets | 2.1626% | 442 |
| Return on Equity (ROE) | 17.0891% | 577 |
| Retained earnings to average equity (ytd only) | 10.8637% | 622 |
| Net charge-offs to loans | -0.0209% | 7,362 |
| Credit loss provision to net charge-offs | -1,900.0000% | 7,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 6,760 |
| Assets per employee ($millions) | 3.8065% | 4,253 |
| Cash dividends to net income (ytd only)* | 36.4291% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5367% | 1,284 |
| Loan loss allowance to noncurrent loans | 1,198.5294% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,129 |
| Noncurrent loans to loans | 0.2117% | 6,757 |
| Net loans and leases to total assets | 41.1310% | 7,017 |
| Net loans and leases to deposits | 48.1494% | 7,083 |
| Net loans and leases to core deposits | 52.8258% | 7,014 |
| Total domestic deposits to total assets | 85.4236% | 3,398 |
| Equity capital to assets | 13.9038% | 1,199 |
| Core capital (leverage) ratio | 12.1518% | 1,583 |
| Tier 1 risk-based capital ratio | 21.5424% | 1,277 |
| Total risk-based capital ratio | 22.8022% | 1,253 |
| Memoranda: | ||
| Average total assets | $77,005,500 | 5,746 |
| Average earning assets | $70,760,250 | 5,713 |
| Average equity | $9,744,750 | 5,269 |
| Average total loans | $31,941,250 | 6,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 2,744 |
| Cost of funding earning assets | 0.9899% | 6,196 |
| Net interest margin | 4.4615% | 1,285 |
| Noninterest income to average assets | 1.0401% | 1,248 |
| Noninterest expense to average assets | 2.6624% | 5,070 |
| Loan and lease loss provision to assets | 0.1294% | 5,587 |
| Net operating income to assets | 2.3416% | 184 |
| Return on assets (ROA) | 2.3416% | 197 |
| Pretax return on assets | 2.3416% | 308 |
| Return on Equity (ROE) | 19.1238% | 379 |
| Retained earnings to average equity (ytd only) | 14.5805% | 273 |
| Net charge-offs to loans | -0.0188% | 7,275 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8649% | 7,085 |
| Assets per employee ($millions) | 3.7565% | 4,329 |
| Cash dividends to net income (ytd only)* | 23.7569% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4275% | 1,400 |
| Loan loss allowance to noncurrent loans | 119.0698% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 5,399 |
| Noncurrent loans to loans | 2.0387% | 3,667 |
| Net loans and leases to total assets | 41.0893% | 7,099 |
| Net loans and leases to deposits | 47.7184% | 7,178 |
| Net loans and leases to core deposits | 52.3789% | 7,120 |
| Total domestic deposits to total assets | 86.1079% | 3,022 |
| Equity capital to assets | 13.2532% | 1,455 |
| Core capital (leverage) ratio | 11.9774% | 1,653 |
| Tier 1 risk-based capital ratio | 20.9861% | 1,339 |
| Total risk-based capital ratio | 22.2435% | 1,314 |
| Memoranda: | ||
| Average total assets | $77,297,330 | 5,771 |
| Average earning assets | $70,917,670 | 5,742 |
| Average equity | $9,464,670 | 5,350 |
| Average total loans | $31,879,000 | 6,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4854% | 2,655 |
| Cost of funding earning assets | 1.0065% | 6,343 |
| Net interest margin | 4.4789% | 1,191 |
| Noninterest income to average assets | 1.0002% | 1,308 |
| Noninterest expense to average assets | 2.7149% | 4,834 |
| Loan and lease loss provision to assets | 0.0765% | 5,878 |
| Net operating income to assets | 2.2965% | 212 |
| Return on assets (ROA) | 2.2965% | 237 |
| Pretax return on assets | 2.2965% | 352 |
| Return on Equity (ROE) | 19.5260% | 407 |
| Retained earnings to average equity (ytd only) | 19.5260% | 196 |
| Net charge-offs to loans | -0.0750% | 7,461 |
| Credit loss provision to net charge-offs | -250.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3601% | 7,036 |
| Assets per employee ($millions) | 3.7115% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3196% | 1,543 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 6,589 |
| Noncurrent loans to loans | 0.8698% | 5,576 |
| Net loans and leases to total assets | 39.7655% | 7,261 |
| Net loans and leases to deposits | 46.9478% | 7,283 |
| Net loans and leases to core deposits | 52.3026% | 7,184 |
| Total domestic deposits to total assets | 84.7014% | 3,809 |
| Equity capital to assets | 12.1180% | 1,972 |
| Core capital (leverage) ratio | 11.4646% | 1,935 |
| Tier 1 risk-based capital ratio | 20.2794% | 1,468 |
| Total risk-based capital ratio | 20.8484% | 1,569 |
| Memoranda: | ||
| Average total assets | $78,381,500 | 5,816 |
| Average earning assets | $71,536,000 | 5,797 |
| Average equity | $9,218,500 | 5,475 |
| Average total loans | $31,999,500 | 6,523 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 3,892 |
| Cost of funding earning assets | 1.1524% | 6,813 |
| Net interest margin | 4.3947% | 1,445 |
| Noninterest income to average assets | 0.9076% | 1,915 |
| Noninterest expense to average assets | 2.7467% | 5,173 |
| Loan and lease loss provision to assets | 0.1010% | 6,618 |
| Net operating income to assets | 2.0840% | 191 |
| Return on assets (ROA) | 2.1939% | 162 |
| Pretax return on assets | 2.1939% | 279 |
| Return on Equity (ROE) | 19.2002% | 291 |
| Retained earnings to average equity (ytd only) | 3.2921% | 2,863 |
| Net charge-offs to loans | 0.0825% | 6,285 |
| Credit loss provision to net charge-offs | 320.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 69.2400% | 392 |
| Efficiency ratio | 55.6949% | 7,053 |
| Assets per employee ($millions) | 4.1485% | 3,518 |
| Cash dividends to net income (ytd only)* | 82.8539% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,622 |
| Loan loss allowance to noncurrent loans | 821.8391% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 7,213 |
| Noncurrent loans to loans | 0.2696% | 6,754 |
| Net loans and leases to total assets | 40.0325% | 7,349 |
| Net loans and leases to deposits | 46.8424% | 7,407 |
| Net loans and leases to core deposits | 59.0479% | 7,298 |
| Total domestic deposits to total assets | 85.4620% | 3,314 |
| Equity capital to assets | 11.4081% | 2,387 |
| Core capital (leverage) ratio | 10.8931% | 2,284 |
| Tier 1 risk-based capital ratio | 19.0571% | 1,643 |
| Total risk-based capital ratio | 20.3158% | 1,604 |
| Memoranda: | ||
| Average total assets | $79,221,200 | 5,751 |
| Average earning assets | $72,541,600 | 5,734 |
| Average equity | $9,052,000 | 5,590 |
| Average total loans | $30,308,800 | 6,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 3,418 |
| Cost of funding earning assets | 1.1790% | 6,951 |
| Net interest margin | 4.5052% | 1,183 |
| Noninterest income to average assets | 0.8976% | 1,989 |
| Noninterest expense to average assets | 2.6743% | 5,438 |
| Loan and lease loss provision to assets | 0.0841% | 6,526 |
| Net operating income to assets | 2.2692% | 159 |
| Return on assets (ROA) | 2.4154% | 132 |
| Pretax return on assets | 2.4154% | 225 |
| Return on Equity (ROE) | 21.1310% | 248 |
| Retained earnings to average equity (ytd only) | 13.6315% | 217 |
| Net charge-offs to loans | 0.1118% | 5,561 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 56.0042% | 583 |
| Efficiency ratio | 53.1929% | 7,320 |
| Assets per employee ($millions) | 4.0498% | 3,637 |
| Cash dividends to net income (ytd only)* | 35.4905% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2609% | 1,337 |
| Loan loss allowance to noncurrent loans | 769.6629% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 7,261 |
| Noncurrent loans to loans | 0.2937% | 6,775 |
| Net loans and leases to total assets | 38.4849% | 7,531 |
| Net loans and leases to deposits | 45.7061% | 7,575 |
| Net loans and leases to core deposits | 57.9533% | 7,467 |
| Total domestic deposits to total assets | 84.2008% | 3,628 |
| Equity capital to assets | 12.5996% | 1,882 |
| Core capital (leverage) ratio | 11.6923% | 1,970 |
| Tier 1 risk-based capital ratio | 21.7995% | 1,244 |
| Total risk-based capital ratio | 23.0541% | 1,227 |
| Memoranda: | ||
| Average total assets | $79,321,250 | 5,792 |
| Average earning assets | $72,714,500 | 5,762 |
| Average equity | $9,067,000 | 5,643 |
| Average total loans | $29,818,750 | 6,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,505 |
| Cost of funding earning assets | 1.2198% | 7,045 |
| Net interest margin | 4.4862% | 1,199 |
| Noninterest income to average assets | 0.8338% | 2,250 |
| Noninterest expense to average assets | 2.6538% | 5,544 |
| Loan and lease loss provision to assets | 0.0499% | 6,732 |
| Net operating income to assets | 2.2069% | 190 |
| Return on assets (ROA) | 2.2069% | 210 |
| Pretax return on assets | 2.2069% | 355 |
| Return on Equity (ROE) | 19.9601% | 343 |
| Retained earnings to average equity (ytd only) | 15.2184% | 198 |
| Net charge-offs to loans | 0.0742% | 5,465 |
| Credit loss provision to net charge-offs | 181.8182% | 2,523 |
| Earnings coverage of net charge-offs (x) | 82.1818% | 468 |
| Efficiency ratio | 54.0417% | 7,326 |
| Assets per employee ($millions) | 4.2280% | 3,238 |
| Cash dividends to net income (ytd only)* | 23.7557% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2267% | 1,197 |
| Loan loss allowance to noncurrent loans | 530.9524% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 7,169 |
| Noncurrent loans to loans | 0.4194% | 6,463 |
| Net loans and leases to total assets | 36.5670% | 7,686 |
| Net loans and leases to deposits | 42.6857% | 7,739 |
| Net loans and leases to core deposits | 53.0034% | 7,683 |
| Total domestic deposits to total assets | 85.6657% | 2,934 |
| Equity capital to assets | 11.2359% | 2,728 |
| Core capital (leverage) ratio | 11.1484% | 2,291 |
| Tier 1 risk-based capital ratio | 21.7420% | 1,290 |
| Total risk-based capital ratio | 21.7644% | 1,447 |
| Memoranda: | ||
| Average total assets | $80,112,670 | 5,799 |
| Average earning assets | $72,801,330 | 5,796 |
| Average equity | $8,857,670 | 5,734 |
| Average total loans | $29,659,000 | 6,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 3,041 |
| Cost of funding earning assets | 1.2667% | 7,128 |
| Net interest margin | 4.5813% | 970 |
| Noninterest income to average assets | 0.8150% | 2,256 |
| Noninterest expense to average assets | 2.6449% | 5,243 |
| Loan and lease loss provision to assets | 0.0500% | 6,345 |
| Net operating income to assets | 2.2249% | 222 |
| Return on assets (ROA) | 2.2249% | 257 |
| Pretax return on assets | 2.2249% | 418 |
| Return on Equity (ROE) | 20.2884% | 403 |
| Retained earnings to average equity (ytd only) | 20.2884% | 157 |
| Net charge-offs to loans | 0.0407% | 4,919 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 151.6667% | 293 |
| Efficiency ratio | 53.7602% | 7,242 |
| Assets per employee ($millions) | 3.9707% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2853% | 964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.9123% | 7,736 |
| Net loans and leases to deposits | 42.0039% | 7,783 |
| Net loans and leases to core deposits | 51.0425% | 7,754 |
| Total domestic deposits to total assets | 85.4973% | 2,971 |
| Equity capital to assets | 11.3999% | 2,658 |
| Core capital (leverage) ratio | 10.7765% | 2,676 |
| Tier 1 risk-based capital ratio | 21.4216% | 1,386 |
| Total risk-based capital ratio | 22.6765% | 1,349 |
| Memoranda: | ||
| Average total assets | $80,003,000 | 5,820 |
| Average earning assets | $71,682,500 | 5,856 |
| Average equity | $8,773,500 | 5,784 |
| Average total loans | $29,466,500 | 6,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1548% | 4,753 |
| Cost of funding earning assets | 1.8769% | 6,802 |
| Net interest margin | 4.2780% | 2,051 |
| Noninterest income to average assets | 0.9069% | 1,933 |
| Noninterest expense to average assets | 2.5753% | 5,735 |
| Loan and lease loss provision to assets | 0.0333% | 6,988 |
| Net operating income to assets | 2.1072% | 288 |
| Return on assets (ROA) | 2.2192% | 225 |
| Pretax return on assets | 2.2192% | 381 |
| Return on Equity (ROE) | 20.6924% | 324 |
| Retained earnings to average equity (ytd only) | 2.7233% | 3,486 |
| Net charge-offs to loans | -0.1049% | 8,097 |
| Credit loss provision to net charge-offs | -83.3333% | 7,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6097% | 7,198 |
| Assets per employee ($millions) | 4.0297% | 3,449 |
| Cash dividends to net income (ytd only)* | 86.8389% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 36.0912% | 7,828 |
| Net loans and leases to deposits | 41.7575% | 7,903 |
| Net loans and leases to core deposits | 50.2844% | 7,883 |
| Total domestic deposits to total assets | 86.4306% | 2,201 |
| Equity capital to assets | 10.5394% | 3,450 |
| Core capital (leverage) ratio | 10.4764% | 2,992 |
| Tier 1 risk-based capital ratio | 20.2103% | 1,583 |
| Total risk-based capital ratio | 21.4644% | 1,551 |
| Memoranda: | ||
| Average total assets | $74,981,000 | 5,875 |
| Average earning assets | $66,760,600 | 5,941 |
| Average equity | $8,041,600 | 6,074 |
| Average total loans | $28,589,200 | 6,789 |