Home > The Farmers & Merchants Bank of North Dakota > Performance and Condition Ratios
The Farmers & Merchants Bank of North Dakota, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 3,507 |
| Cost of funding earning assets | 1.1213% | 3,008 |
| Net interest margin | 3.1376% | 3,009 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.4576% | 2,426 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6717% | 3,259 |
| Return on assets (ROA) | 0.6434% | 3,311 |
| Pretax return on assets | 0.6434% | 3,554 |
| Return on Equity (ROE) | 9.0100% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,254 |
| Net charge-offs to loans | 0.0468% | 1,408 |
| Credit loss provision to net charge-offs | 107.1429% | 1,774 |
| Earnings coverage of net charge-offs (x) | 29.8571% | 1,639 |
| Efficiency ratio | 77.7807% | 1,084 |
| Assets per employee ($millions) | 7.0442% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 4,271 |
| Loan loss allowance to noncurrent loans | 209.6386% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,597 |
| Noncurrent loans to loans | 0.2758% | 2,191 |
| Net loans and leases to total assets | 49.9600% | 3,595 |
| Net loans and leases to deposits | 55.2998% | 3,741 |
| Net loans and leases to core deposits | 58.9795% | 3,800 |
| Total domestic deposits to total assets | 90.3500% | 663 |
| Equity capital to assets | 8.1402% | 3,321 |
| Core capital (leverage) ratio | 10.6009% | 2,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0888% | 1,253 |
| Memoranda: | ||
| Average total assets | $119,995,400 | 3,652 |
| Average earning assets | $110,497,000 | 3,643 |
| Average equity | $8,571,800 | 3,869 |
| Average total loans | $59,807,600 | 3,715 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,567 |
| Cost of funding earning assets | 0.9392% | 3,179 |
| Net interest margin | 3.2055% | 2,906 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.4188% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8040% | 3,014 |
| Return on assets (ROA) | 0.7607% | 3,128 |
| Pretax return on assets | 0.7607% | 3,424 |
| Return on Equity (ROE) | 11.0300% | 2,367 |
| Retained earnings to average equity (ytd only) | 11.0333% | 1,153 |
| Net charge-offs to loans | 0.0089% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 643 |
| Efficiency ratio | 74.8794% | 1,281 |
| Assets per employee ($millions) | 6.7413% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 4,332 |
| Loan loss allowance to noncurrent loans | 106.8750% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,946 |
| Noncurrent loans to loans | 0.4980% | 1,570 |
| Net loans and leases to total assets | 52.6800% | 3,447 |
| Net loans and leases to deposits | 57.0238% | 3,655 |
| Net loans and leases to core deposits | 60.6496% | 3,677 |
| Total domestic deposits to total assets | 92.3700% | 392 |
| Equity capital to assets | 6.4618% | 3,844 |
| Core capital (leverage) ratio | 10.3137% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6591% | 1,165 |
| Memoranda: | ||
| Average total assets | $120,056,250 | 3,662 |
| Average earning assets | $111,722,750 | 3,640 |
| Average equity | $8,277,750 | 3,904 |
| Average total loans | $59,715,000 | 3,720 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,716 |
| Cost of funding earning assets | 0.6826% | 3,535 |
| Net interest margin | 3.3029% | 2,743 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4693% | 2,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8426% | 2,948 |
| Return on assets (ROA) | 0.8058% | 3,073 |
| Pretax return on assets | 0.8058% | 3,388 |
| Return on Equity (ROE) | 11.4400% | 2,315 |
| Retained earnings to average equity (ytd only) | 11.4444% | 1,090 |
| Net charge-offs to loans | 0.0137% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 823 |
| Efficiency ratio | 74.4069% | 1,310 |
| Assets per employee ($millions) | 6.7073% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,336 |
| Loan loss allowance to noncurrent loans | 186.8852% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 2,485 |
| Noncurrent loans to loans | 0.2999% | 2,057 |
| Net loans and leases to total assets | 50.2600% | 3,541 |
| Net loans and leases to deposits | 55.0605% | 3,695 |
| Net loans and leases to core deposits | 58.2120% | 3,703 |
| Total domestic deposits to total assets | 91.2700% | 565 |
| Equity capital to assets | 7.2384% | 3,671 |
| Core capital (leverage) ratio | 10.5122% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1171% | 1,105 |
| Memoranda: | ||
| Average total assets | $119,627,333 | 3,683 |
| Average earning assets | $111,054,000 | 3,662 |
| Average equity | $8,423,333 | 3,913 |
| Average total loans | $58,200,000 | 3,744 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,689 |
| Cost of funding earning assets | 0.4860% | 3,742 |
| Net interest margin | 3.4059% | 2,615 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5161% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8801% | 2,921 |
| Return on assets (ROA) | 0.8499% | 2,974 |
| Pretax return on assets | 0.8499% | 3,350 |
| Return on Equity (ROE) | 12.2400% | 2,160 |
| Retained earnings to average equity (ytd only) | 12.2437% | 1,224 |
| Net charge-offs to loans | 0.0282% | 1,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 973 |
| Efficiency ratio | 73.8872% | 1,354 |
| Assets per employee ($millions) | 6.6038% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6166% | 4,338 |
| Loan loss allowance to noncurrent loans | 220.6452% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,605 |
| Noncurrent loans to loans | 0.2795% | 2,139 |
| Net loans and leases to total assets | 46.3700% | 3,757 |
| Net loans and leases to deposits | 50.0340% | 3,890 |
| Net loans and leases to core deposits | 52.0919% | 3,908 |
| Total domestic deposits to total assets | 92.6800% | 358 |
| Equity capital to assets | 7.2316% | 3,715 |
| Core capital (leverage) ratio | 10.0551% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5369% | 1,063 |
| Memoranda: | ||
| Average total assets | $119,075,500 | 3,731 |
| Average earning assets | $110,279,500 | 3,719 |
| Average equity | $8,265,500 | 3,974 |
| Average total loans | $56,791,500 | 3,811 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 3,680 |
| Cost of funding earning assets | 0.3633% | 2,380 |
| Net interest margin | 2.8997% | 3,682 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.0609% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7619% | 3,448 |
| Return on assets (ROA) | 0.6524% | 3,703 |
| Pretax return on assets | 0.6524% | 3,942 |
| Return on Equity (ROE) | 8.8800% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.8759% | 1,517 |
| Net charge-offs to loans | 0.1167% | 648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 2,039 |
| Efficiency ratio | 72.8042% | 1,351 |
| Assets per employee ($millions) | 6.6268% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 4,345 |
| Loan loss allowance to noncurrent loans | 223.2258% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 2,610 |
| Noncurrent loans to loans | 0.2667% | 2,198 |
| Net loans and leases to total assets | 48.4400% | 3,640 |
| Net loans and leases to deposits | 53.7871% | 3,690 |
| Net loans and leases to core deposits | 56.0296% | 3,717 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 6.6522% | 3,837 |
| Core capital (leverage) ratio | 10.1395% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3197% | 1,287 |
| Memoranda: | ||
| Average total assets | $121,402,400 | 3,716 |
| Average earning assets | $109,840,200 | 3,726 |
| Average equity | $8,923,000 | 4,000 |
| Average total loans | $55,675,800 | 3,813 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 3,527 |
| Cost of funding earning assets | 0.3493% | 1,710 |
| Net interest margin | 2.8129% | 3,709 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.0131% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6922% | 3,586 |
| Return on assets (ROA) | 0.5642% | 3,882 |
| Pretax return on assets | 0.5642% | 4,047 |
| Return on Equity (ROE) | 7.5000% | 3,465 |
| Retained earnings to average equity (ytd only) | 7.5025% | 2,190 |
| Net charge-offs to loans | 0.1550% | 418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.8906% | 2,007 |
| Efficiency ratio | 74.2118% | 1,254 |
| Assets per employee ($millions) | 5.6548% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,382 |
| Loan loss allowance to noncurrent loans | 197.1591% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 2,572 |
| Noncurrent loans to loans | 0.3038% | 2,153 |
| Net loans and leases to total assets | 48.4900% | 3,584 |
| Net loans and leases to deposits | 52.6375% | 3,690 |
| Net loans and leases to core deposits | 54.3833% | 3,721 |
| Total domestic deposits to total assets | 92.1300% | 843 |
| Equity capital to assets | 5.5393% | 4,117 |
| Core capital (leverage) ratio | 9.7507% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0523% | 1,413 |
| Memoranda: | ||
| Average total assets | $121,932,250 | 3,734 |
| Average earning assets | $109,541,500 | 3,754 |
| Average equity | $9,170,000 | 4,017 |
| Average total loans | $55,064,250 | 3,832 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 3,512 |
| Cost of funding earning assets | 0.3579% | 1,203 |
| Net interest margin | 2.6603% | 3,794 |
| Noninterest income to average assets | 0.1756% | 4,127 |
| Noninterest expense to average assets | 2.1774% | 2,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3675% | 4,172 |
| Return on assets (ROA) | 0.2179% | 4,356 |
| Pretax return on assets | 0.2179% | 4,391 |
| Return on Equity (ROE) | 2.6709% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.6709% | 3,556 |
| Net charge-offs to loans | 0.2366% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.5313% | 1,992 |
| Efficiency ratio | 85.3035% | 607 |
| Assets per employee ($millions) | 5.8862% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6343% | 4,429 |
| Loan loss allowance to noncurrent loans | 937.8378% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,683 |
| Noncurrent loans to loans | 0.0676% | 3,460 |
| Net loans and leases to total assets | 43.9746% | 3,837 |
| Net loans and leases to deposits | 47.1150% | 3,980 |
| Net loans and leases to core deposits | 49.7429% | 3,949 |
| Total domestic deposits to total assets | 93.3347% | 427 |
| Equity capital to assets | 6.5925% | 3,977 |
| Core capital (leverage) ratio | 8.7515% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3362% | 1,351 |
| Memoranda: | ||
| Average total assets | $122,992,667 | 3,774 |
| Average earning assets | $109,536,333 | 3,812 |
| Average equity | $10,034,000 | 3,984 |
| Average total loans | $54,107,667 | 3,887 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8768% | 3,590 |
| Cost of funding earning assets | 0.3705% | 1,059 |
| Net interest margin | 2.5063% | 3,901 |
| Noninterest income to average assets | 0.1728% | 4,133 |
| Noninterest expense to average assets | 2.1290% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2934% | 4,157 |
| Return on assets (ROA) | 0.1272% | 4,406 |
| Pretax return on assets | 0.1272% | 4,413 |
| Return on Equity (ROE) | 1.4212% | 4,355 |
| Retained earnings to average equity (ytd only) | 1.4212% | 3,715 |
| Net charge-offs to loans | 0.5427% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.2329% | 1,744 |
| Efficiency ratio | 87.6178% | 653 |
| Assets per employee ($millions) | 6.6673% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 4,444 |
| Loan loss allowance to noncurrent loans | 889.4737% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,740 |
| Noncurrent loans to loans | 0.0745% | 3,473 |
| Net loans and leases to total assets | 40.0177% | 4,011 |
| Net loans and leases to deposits | 43.3382% | 4,099 |
| Net loans and leases to core deposits | 45.9976% | 4,073 |
| Total domestic deposits to total assets | 92.3381% | 457 |
| Equity capital to assets | 7.5932% | 3,860 |
| Core capital (leverage) ratio | 8.7479% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6642% | 1,590 |
| Memoranda: | ||
| Average total assets | $122,684,000 | 3,791 |
| Average earning assets | $110,121,500 | 3,820 |
| Average equity | $10,976,500 | 3,955 |
| Average total loans | $53,809,500 | 3,905 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 3,288 |
| Cost of funding earning assets | 0.4673% | 1,080 |
| Net interest margin | 2.8063% | 3,651 |
| Noninterest income to average assets | 0.5667% | 2,294 |
| Noninterest expense to average assets | 2.3829% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7489% | 3,493 |
| Return on assets (ROA) | 0.5215% | 4,081 |
| Pretax return on assets | 0.5215% | 4,224 |
| Return on Equity (ROE) | 4.9723% | 4,005 |
| Retained earnings to average equity (ytd only) | 0.1912% | 4,441 |
| Net charge-offs to loans | 0.0335% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 47.1579% | 1,332 |
| Efficiency ratio | 75.9007% | 1,116 |
| Assets per employee ($millions) | 6.2468% | 2,531 |
| Cash dividends to net income (ytd only)* | 96.1538% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 4,382 |
| Loan loss allowance to noncurrent loans | 167.7551% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 2,531 |
| Noncurrent loans to loans | 0.4330% | 2,058 |
| Net loans and leases to total assets | 47.3304% | 3,563 |
| Net loans and leases to deposits | 52.8755% | 3,673 |
| Net loans and leases to core deposits | 55.3267% | 3,676 |
| Total domestic deposits to total assets | 89.5129% | 1,230 |
| Equity capital to assets | 10.3919% | 2,278 |
| Core capital (leverage) ratio | 9.2613% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8039% | 1,578 |
| Memoranda: | ||
| Average total assets | $119,643,800 | 3,806 |
| Average earning assets | $109,362,600 | 3,816 |
| Average equity | $12,549,400 | 3,875 |
| Average total loans | $56,739,400 | 3,880 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 3,467 |
| Cost of funding earning assets | 0.4847% | 1,132 |
| Net interest margin | 2.7823% | 3,819 |
| Noninterest income to average assets | 0.6940% | 1,842 |
| Noninterest expense to average assets | 2.3433% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9042% | 3,237 |
| Return on assets (ROA) | 0.6806% | 3,877 |
| Pretax return on assets | 0.6806% | 4,101 |
| Return on Equity (ROE) | 6.4744% | 3,804 |
| Retained earnings to average equity (ytd only) | 0.1269% | 4,543 |
| Net charge-offs to loans | 0.0352% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 1,193 |
| Efficiency ratio | 71.9521% | 1,411 |
| Assets per employee ($millions) | 5.3502% | 3,351 |
| Cash dividends to net income (ytd only)* | 98.0392% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 4,464 |
| Loan loss allowance to noncurrent loans | 1,596.1538% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,041 |
| Noncurrent loans to loans | 0.0453% | 3,888 |
| Net loans and leases to total assets | 48.4253% | 3,581 |
| Net loans and leases to deposits | 54.3080% | 3,715 |
| Net loans and leases to core deposits | 57.1430% | 3,692 |
| Total domestic deposits to total assets | 89.1678% | 1,186 |
| Equity capital to assets | 10.5739% | 2,396 |
| Core capital (leverage) ratio | 9.2641% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9224% | 1,641 |
| Memoranda: | ||
| Average total assets | $119,882,500 | 3,842 |
| Average earning assets | $110,027,250 | 3,857 |
| Average equity | $12,603,250 | 3,924 |
| Average total loans | $56,777,500 | 3,930 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 3,568 |
| Cost of funding earning assets | 0.5060% | 1,161 |
| Net interest margin | 2.7411% | 3,900 |
| Noninterest income to average assets | 0.9203% | 1,216 |
| Noninterest expense to average assets | 2.3614% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0563% | 2,692 |
| Return on assets (ROA) | 0.8407% | 3,468 |
| Pretax return on assets | 0.8407% | 3,791 |
| Return on Equity (ROE) | 8.0122% | 3,406 |
| Retained earnings to average equity (ytd only) | 3.2713% | 3,753 |
| Net charge-offs to loans | 0.0495% | 1,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,107 |
| Efficiency ratio | 68.8986% | 1,773 |
| Assets per employee ($millions) | 6.1747% | 2,453 |
| Cash dividends to net income (ytd only)* | 59.1716% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 4,471 |
| Loan loss allowance to noncurrent loans | 1,664.0000% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,146 |
| Noncurrent loans to loans | 0.0443% | 3,963 |
| Net loans and leases to total assets | 45.3795% | 3,948 |
| Net loans and leases to deposits | 52.0117% | 3,996 |
| Net loans and leases to core deposits | 54.6363% | 3,985 |
| Total domestic deposits to total assets | 87.2488% | 2,193 |
| Equity capital to assets | 10.2215% | 2,648 |
| Core capital (leverage) ratio | 9.1339% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0008% | 1,631 |
| Memoranda: | ||
| Average total assets | $120,608,333 | 3,846 |
| Average earning assets | $109,882,333 | 3,875 |
| Average equity | $12,655,667 | 3,926 |
| Average total loans | $56,565,333 | 3,963 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 3,550 |
| Cost of funding earning assets | 0.5418% | 1,155 |
| Net interest margin | 2.7165% | 3,927 |
| Noninterest income to average assets | 1.2755% | 772 |
| Noninterest expense to average assets | 2.5209% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2285% | 2,048 |
| Return on assets (ROA) | 1.0506% | 2,714 |
| Pretax return on assets | 1.0506% | 3,232 |
| Return on Equity (ROE) | 9.8801% | 2,737 |
| Retained earnings to average equity (ytd only) | 0.4104% | 4,317 |
| Net charge-offs to loans | 0.1130% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 22.8750% | 1,202 |
| Efficiency ratio | 67.0546% | 2,068 |
| Assets per employee ($millions) | 5.8526% | 2,746 |
| Cash dividends to net income (ytd only)* | 95.8466% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,463 |
| Loan loss allowance to noncurrent loans | 1,592.3077% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,222 |
| Noncurrent loans to loans | 0.0482% | 4,045 |
| Net loans and leases to total assets | 43.5955% | 4,140 |
| Net loans and leases to deposits | 48.5313% | 4,241 |
| Net loans and leases to core deposits | 51.0086% | 4,244 |
| Total domestic deposits to total assets | 89.8295% | 898 |
| Equity capital to assets | 10.0720% | 2,643 |
| Core capital (leverage) ratio | 8.9500% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6708% | 1,390 |
| Memoranda: | ||
| Average total assets | $119,165,500 | 3,876 |
| Average earning assets | $108,523,500 | 3,890 |
| Average equity | $12,672,000 | 3,934 |
| Average total loans | $56,619,500 | 3,978 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,320 |
| Cost of funding earning assets | 0.7261% | 1,582 |
| Net interest margin | 3.4097% | 2,747 |
| Noninterest income to average assets | 0.3150% | 3,581 |
| Noninterest expense to average assets | 2.5841% | 2,608 |
| Loan and lease loss provision to assets | -0.2284% | 4,985 |
| Net operating income to assets | 1.0986% | 1,929 |
| Return on assets (ROA) | 1.0268% | 2,332 |
| Pretax return on assets | 1.0268% | 2,952 |
| Return on Equity (ROE) | 8.7564% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.6151% | 1,989 |
| Net charge-offs to loans | 0.0276% | 2,480 |
| Credit loss provision to net charge-offs | -1,377.7778% | 4,118 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 1,155 |
| Efficiency ratio | 74.6201% | 1,373 |
| Assets per employee ($millions) | 5.4965% | 2,850 |
| Cash dividends to net income (ytd only)* | 35.8744% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,549 |
| Loan loss allowance to noncurrent loans | 754.3860% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,092 |
| Noncurrent loans to loans | 0.0962% | 3,912 |
| Net loans and leases to total assets | 50.9539% | 3,751 |
| Net loans and leases to deposits | 57.4945% | 3,917 |
| Net loans and leases to core deposits | 60.6636% | 3,908 |
| Total domestic deposits to total assets | 88.6239% | 1,157 |
| Equity capital to assets | 11.2323% | 2,071 |
| Core capital (leverage) ratio | 9.6923% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4776% | 1,687 |
| Memoranda: | ||
| Average total assets | $108,588,400 | 3,891 |
| Average earning assets | $99,980,800 | 3,894 |
| Average equity | $12,733,600 | 3,891 |
| Average total loans | $65,150,000 | 3,826 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 2,183 |
| Cost of funding earning assets | 0.7581% | 1,689 |
| Net interest margin | 3.5139% | 2,546 |
| Noninterest income to average assets | 0.3605% | 3,310 |
| Noninterest expense to average assets | 2.6247% | 2,467 |
| Loan and lease loss provision to assets | -0.3097% | 5,022 |
| Net operating income to assets | 1.2949% | 1,365 |
| Return on assets (ROA) | 1.2475% | 1,606 |
| Pretax return on assets | 1.2475% | 2,237 |
| Return on Equity (ROE) | 10.5185% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.3111% | 1,969 |
| Net charge-offs to loans | 0.0440% | 1,995 |
| Credit loss provision to net charge-offs | -1,127.2727% | 3,948 |
| Earnings coverage of net charge-offs (x) | 35.9091% | 1,437 |
| Efficiency ratio | 72.4948% | 1,584 |
| Assets per employee ($millions) | 5.0243% | 3,222 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 4,643 |
| Loan loss allowance to noncurrent loans | 747.3684% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 4,183 |
| Noncurrent loans to loans | 0.0883% | 4,014 |
| Net loans and leases to total assets | 58.0024% | 3,414 |
| Net loans and leases to deposits | 65.7367% | 3,638 |
| Net loans and leases to core deposits | 69.5354% | 3,656 |
| Total domestic deposits to total assets | 88.2345% | 1,098 |
| Equity capital to assets | 11.6343% | 1,913 |
| Core capital (leverage) ratio | 10.0884% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0852% | 1,804 |
| Memoranda: | ||
| Average total assets | $106,879,000 | 3,911 |
| Average earning assets | $98,841,750 | 3,905 |
| Average equity | $12,675,750 | 3,901 |
| Average total loans | $66,626,500 | 3,816 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 2,357 |
| Cost of funding earning assets | 0.7941% | 1,856 |
| Net interest margin | 3.5498% | 2,636 |
| Noninterest income to average assets | 0.4581% | 2,774 |
| Noninterest expense to average assets | 2.6614% | 2,488 |
| Loan and lease loss provision to assets | -0.4694% | 5,055 |
| Net operating income to assets | 1.5578% | 833 |
| Return on assets (ROA) | 1.5389% | 935 |
| Pretax return on assets | 1.5389% | 1,370 |
| Return on Equity (ROE) | 12.8901% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.8901% | 369 |
| Net charge-offs to loans | 0.0654% | 1,590 |
| Credit loss provision to net charge-offs | -1,127.2727% | 3,773 |
| Earnings coverage of net charge-offs (x) | 26.1364% | 1,532 |
| Efficiency ratio | 70.7723% | 1,853 |
| Assets per employee ($millions) | 5.1894% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 4,709 |
| Loan loss allowance to noncurrent loans | 608.5714% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,211 |
| Noncurrent loans to loans | 0.1024% | 4,044 |
| Net loans and leases to total assets | 62.3388% | 3,088 |
| Net loans and leases to deposits | 71.0320% | 3,347 |
| Net loans and leases to core deposits | 74.7829% | 3,391 |
| Total domestic deposits to total assets | 87.7616% | 1,300 |
| Equity capital to assets | 12.0677% | 1,623 |
| Core capital (leverage) ratio | 10.4548% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5939% | 1,960 |
| Memoranda: | ||
| Average total assets | $105,660,333 | 3,914 |
| Average earning assets | $97,978,667 | 3,910 |
| Average equity | $12,614,333 | 3,916 |
| Average total loans | $67,322,333 | 3,806 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 2,227 |
| Cost of funding earning assets | 0.8465% | 2,129 |
| Net interest margin | 3.6821% | 2,386 |
| Noninterest income to average assets | 0.3654% | 3,325 |
| Noninterest expense to average assets | 2.7807% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9808% | 2,243 |
| Return on assets (ROA) | 0.9308% | 2,524 |
| Pretax return on assets | 0.9308% | 3,050 |
| Return on Equity (ROE) | 7.8406% | 2,580 |
| Retained earnings to average equity (ytd only) | 7.8406% | 1,276 |
| Net charge-offs to loans | -0.0060% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7219% | 1,853 |
| Assets per employee ($millions) | 4.8931% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,250 |
| Loan loss allowance to noncurrent loans | 108.3981% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 2,132 |
| Noncurrent loans to loans | 1.0072% | 1,647 |
| Net loans and leases to total assets | 61.4504% | 3,354 |
| Net loans and leases to deposits | 70.2162% | 3,573 |
| Net loans and leases to core deposits | 74.1588% | 3,622 |
| Total domestic deposits to total assets | 87.5161% | 1,321 |
| Equity capital to assets | 12.3321% | 1,840 |
| Core capital (leverage) ratio | 10.2393% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3557% | 2,130 |
| Memoranda: | ||
| Average total assets | $104,002,000 | 3,933 |
| Average earning assets | $95,922,500 | 3,927 |
| Average equity | $12,346,000 | 3,961 |
| Average total loans | $66,803,000 | 3,823 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 2,417 |
| Cost of funding earning assets | 0.8825% | 2,274 |
| Net interest margin | 3.7844% | 2,553 |
| Noninterest income to average assets | 0.2474% | 4,199 |
| Noninterest expense to average assets | 2.8362% | 2,487 |
| Loan and lease loss provision to assets | 0.1766% | 1,182 |
| Net operating income to assets | 0.7338% | 3,754 |
| Return on assets (ROA) | 0.6809% | 3,992 |
| Pretax return on assets | 0.6809% | 4,252 |
| Return on Equity (ROE) | 6.1377% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.7326% | 3,671 |
| Net charge-offs to loans | 0.1742% | 1,158 |
| Credit loss provision to net charge-offs | 154.5455% | 1,655 |
| Earnings coverage of net charge-offs (x) | 7.9669% | 2,822 |
| Efficiency ratio | 75.5231% | 1,415 |
| Assets per employee ($millions) | 5.0118% | 2,578 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,533 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,413 |
| Noncurrent loans to loans | 0.0688% | 4,260 |
| Net loans and leases to total assets | 65.6250% | 2,996 |
| Net loans and leases to deposits | 74.2382% | 3,331 |
| Net loans and leases to core deposits | 78.4536% | 3,421 |
| Total domestic deposits to total assets | 88.3979% | 940 |
| Equity capital to assets | 11.4206% | 2,602 |
| Core capital (leverage) ratio | 9.6839% | 3,868 |
| Tier 1 risk-based capital ratio | 12.6855% | 3,957 |
| Total risk-based capital ratio | 13.5694% | 4,043 |
| Memoranda: | ||
| Average total assets | $105,882,600 | 3,899 |
| Average earning assets | $97,902,800 | 3,913 |
| Average equity | $11,747,000 | 4,028 |
| Average total loans | $69,471,000 | 3,787 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 2,751 |
| Cost of funding earning assets | 0.8501% | 2,467 |
| Net interest margin | 3.7424% | 2,774 |
| Noninterest income to average assets | 0.2540% | 4,219 |
| Noninterest expense to average assets | 2.6643% | 2,967 |
| Loan and lease loss provision to assets | 0.1936% | 917 |
| Net operating income to assets | 0.8613% | 3,481 |
| Return on assets (ROA) | 0.8122% | 3,721 |
| Pretax return on assets | 0.8122% | 4,095 |
| Return on Equity (ROE) | 7.3750% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.2334% | 2,259 |
| Net charge-offs to loans | 0.2363% | 754 |
| Credit loss provision to net charge-offs | 125.2033% | 1,877 |
| Earnings coverage of net charge-offs (x) | 6.8210% | 2,801 |
| Efficiency ratio | 71.4334% | 1,906 |
| Assets per employee ($millions) | 5.1624% | 2,383 |
| Cash dividends to net income (ytd only)* | 15.4799% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,065 |
| Loan loss allowance to noncurrent loans | 1,182.1429% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,454 |
| Noncurrent loans to loans | 0.0757% | 4,300 |
| Net loans and leases to total assets | 67.6534% | 2,843 |
| Net loans and leases to deposits | 85.5093% | 2,258 |
| Net loans and leases to core deposits | 90.2272% | 2,533 |
| Total domestic deposits to total assets | 79.1182% | 4,163 |
| Equity capital to assets | 11.2287% | 2,896 |
| Core capital (leverage) ratio | 9.8256% | 3,821 |
| Tier 1 risk-based capital ratio | 11.5319% | 4,654 |
| Total risk-based capital ratio | 12.2806% | 4,784 |
| Memoranda: | ||
| Average total assets | $106,041,250 | 3,940 |
| Average earning assets | $98,188,000 | 3,937 |
| Average equity | $11,678,750 | 4,076 |
| Average total loans | $69,397,500 | 3,825 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 3,035 |
| Cost of funding earning assets | 0.7345% | 2,975 |
| Net interest margin | 3.7591% | 2,720 |
| Noninterest income to average assets | 0.2888% | 4,009 |
| Noninterest expense to average assets | 2.6945% | 2,923 |
| Loan and lease loss provision to assets | 0.2926% | 481 |
| Net operating income to assets | 0.7734% | 3,739 |
| Return on assets (ROA) | 0.7278% | 3,962 |
| Pretax return on assets | 0.7278% | 4,262 |
| Return on Equity (ROE) | 6.6528% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6528% | 1,977 |
| Net charge-offs to loans | 0.3596% | 466 |
| Credit loss provision to net charge-offs | 126.2295% | 1,683 |
| Earnings coverage of net charge-offs (x) | 4.5984% | 2,724 |
| Efficiency ratio | 71.4502% | 1,996 |
| Assets per employee ($millions) | 5.1174% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,979 |
| Loan loss allowance to noncurrent loans | 6,018.1818% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,753 |
| Noncurrent loans to loans | 0.0154% | 4,648 |
| Net loans and leases to total assets | 65.9182% | 3,120 |
| Net loans and leases to deposits | 80.7310% | 2,880 |
| Net loans and leases to core deposits | 84.7995% | 3,051 |
| Total domestic deposits to total assets | 81.6517% | 3,620 |
| Equity capital to assets | 11.1152% | 2,936 |
| Core capital (leverage) ratio | 10.0160% | 3,567 |
| Tier 1 risk-based capital ratio | 12.2640% | 4,260 |
| Total risk-based capital ratio | 13.0672% | 4,409 |
| Memoranda: | ||
| Average total assets | $105,251,670 | 3,972 |
| Average earning assets | $97,204,000 | 3,986 |
| Average equity | $11,514,000 | 4,109 |
| Average total loans | $67,861,670 | 3,886 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 3,064 |
| Cost of funding earning assets | 0.7213% | 2,939 |
| Net interest margin | 3.7235% | 2,806 |
| Noninterest income to average assets | 0.2266% | 4,387 |
| Noninterest expense to average assets | 2.7116% | 2,875 |
| Loan and lease loss provision to assets | 0.0960% | 1,825 |
| Net operating income to assets | 0.8488% | 3,460 |
| Return on assets (ROA) | 0.8104% | 3,617 |
| Pretax return on assets | 0.8104% | 4,012 |
| Return on Equity (ROE) | 7.4700% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.4700% | 1,858 |
| Net charge-offs to loans | -0.0182% | 4,449 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9496% | 1,761 |
| Assets per employee ($millions) | 4.6720% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,576 |
| Loan loss allowance to noncurrent loans | 367.5978% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 3,950 |
| Noncurrent loans to loans | 0.2776% | 3,570 |
| Net loans and leases to total assets | 62.0865% | 3,492 |
| Net loans and leases to deposits | 70.1133% | 3,758 |
| Net loans and leases to core deposits | 73.5069% | 3,827 |
| Total domestic deposits to total assets | 88.5517% | 1,062 |
| Equity capital to assets | 11.3062% | 2,555 |
| Core capital (leverage) ratio | 9.9372% | 3,672 |
| Tier 1 risk-based capital ratio | 12.6529% | 4,068 |
| Total risk-based capital ratio | 13.4945% | 4,194 |
| Memoranda: | ||
| Average total assets | $104,145,000 | 4,035 |
| Average earning assets | $95,931,500 | 4,045 |
| Average equity | $11,298,500 | 4,151 |
| Average total loans | $66,042,000 | 3,963 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 2,690 |
| Cost of funding earning assets | 0.6490% | 2,398 |
| Net interest margin | 3.7733% | 2,765 |
| Noninterest income to average assets | 0.2928% | 4,149 |
| Noninterest expense to average assets | 2.6377% | 3,218 |
| Loan and lease loss provision to assets | -0.0377% | 5,165 |
| Net operating income to assets | 1.1682% | 2,323 |
| Return on assets (ROA) | 1.1240% | 2,498 |
| Pretax return on assets | 1.1240% | 3,191 |
| Return on Equity (ROE) | 11.1466% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.4788% | 1,934 |
| Net charge-offs to loans | 0.0600% | 2,278 |
| Credit loss provision to net charge-offs | -97.5610% | 4,392 |
| Earnings coverage of net charge-offs (x) | 29.2927% | 1,627 |
| Efficiency ratio | 69.6228% | 2,262 |
| Assets per employee ($millions) | 4.7957% | 2,751 |
| Cash dividends to net income (ytd only)* | 41.8760% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,037 |
| Loan loss allowance to noncurrent loans | 368.4211% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,017 |
| Noncurrent loans to loans | 0.2529% | 3,674 |
| Net loans and leases to total assets | 63.4855% | 3,407 |
| Net loans and leases to deposits | 75.3527% | 3,402 |
| Net loans and leases to core deposits | 79.8020% | 3,444 |
| Total domestic deposits to total assets | 84.2511% | 2,923 |
| Equity capital to assets | 10.4032% | 3,283 |
| Core capital (leverage) ratio | 9.3380% | 4,314 |
| Tier 1 risk-based capital ratio | 12.0702% | 4,383 |
| Total risk-based capital ratio | 12.8536% | 4,559 |
| Memoranda: | ||
| Average total assets | $106,229,600 | 3,999 |
| Average earning assets | $97,845,600 | 4,006 |
| Average equity | $10,711,800 | 4,205 |
| Average total loans | $68,375,800 | 3,906 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,789 |
| Cost of funding earning assets | 0.5820% | 2,618 |
| Net interest margin | 3.7694% | 2,755 |
| Noninterest income to average assets | 0.3045% | 4,110 |
| Noninterest expense to average assets | 2.6099% | 3,254 |
| Loan and lease loss provision to assets | -0.0501% | 5,291 |
| Net operating income to assets | 1.2179% | 2,166 |
| Return on assets (ROA) | 1.1728% | 2,357 |
| Pretax return on assets | 1.1728% | 3,108 |
| Return on Equity (ROE) | 11.7227% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.2179% | 1,145 |
| Net charge-offs to loans | -0.0408% | 4,861 |
| Credit loss provision to net charge-offs | 190.4762% | 1,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6567% | 2,415 |
| Assets per employee ($millions) | 5.4425% | 1,971 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,938 |
| Loan loss allowance to noncurrent loans | 271.3725% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,785 |
| Noncurrent loans to loans | 0.3577% | 3,367 |
| Net loans and leases to total assets | 64.8568% | 3,323 |
| Net loans and leases to deposits | 80.9040% | 2,942 |
| Net loans and leases to core deposits | 85.4084% | 3,055 |
| Total domestic deposits to total assets | 80.1652% | 4,075 |
| Equity capital to assets | 9.9027% | 3,733 |
| Core capital (leverage) ratio | 9.2492% | 4,460 |
| Tier 1 risk-based capital ratio | 11.1350% | 4,977 |
| Total risk-based capital ratio | 11.9266% | 5,094 |
| Memoranda: | ||
| Average total assets | $106,410,500 | 4,032 |
| Average earning assets | $98,050,750 | 4,043 |
| Average equity | $10,645,750 | 4,249 |
| Average total loans | $68,567,000 | 3,938 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,890 |
| Cost of funding earning assets | 0.4971% | 3,023 |
| Net interest margin | 3.7686% | 2,679 |
| Noninterest income to average assets | 0.3258% | 4,014 |
| Noninterest expense to average assets | 2.6307% | 3,217 |
| Loan and lease loss provision to assets | -0.0758% | 5,401 |
| Net operating income to assets | 1.2311% | 2,056 |
| Return on assets (ROA) | 1.1875% | 2,249 |
| Pretax return on assets | 1.1875% | 2,983 |
| Return on Equity (ROE) | 11.8287% | 1,792 |
| Retained earnings to average equity (ytd only) | 8.0556% | 1,610 |
| Net charge-offs to loans | -0.0562% | 4,960 |
| Credit loss provision to net charge-offs | 210.5263% | 1,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0345% | 2,484 |
| Assets per employee ($millions) | 4.8590% | 2,605 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,812 |
| Loan loss allowance to noncurrent loans | 218.3544% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,583 |
| Noncurrent loans to loans | 0.4601% | 3,056 |
| Net loans and leases to total assets | 63.6002% | 3,443 |
| Net loans and leases to deposits | 76.2959% | 3,299 |
| Net loans and leases to core deposits | 78.3534% | 3,548 |
| Total domestic deposits to total assets | 83.3600% | 3,304 |
| Equity capital to assets | 9.9851% | 3,640 |
| Core capital (leverage) ratio | 9.3281% | 4,328 |
| Tier 1 risk-based capital ratio | 11.8636% | 4,579 |
| Total risk-based capital ratio | 12.7358% | 4,692 |
| Memoranda: | ||
| Average total assets | $105,597,670 | 4,080 |
| Average earning assets | $96,958,670 | 4,097 |
| Average equity | $10,601,330 | 4,290 |
| Average total loans | $67,660,000 | 3,983 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2410% | 2,742 |
| Cost of funding earning assets | 0.4889% | 2,878 |
| Net interest margin | 3.7521% | 2,607 |
| Noninterest income to average assets | 0.4154% | 3,352 |
| Noninterest expense to average assets | 2.6490% | 3,196 |
| Loan and lease loss provision to assets | -0.1525% | 5,533 |
| Net operating income to assets | 1.3416% | 1,505 |
| Return on assets (ROA) | 1.2997% | 1,645 |
| Pretax return on assets | 1.2997% | 2,368 |
| Return on Equity (ROE) | 12.9106% | 1,294 |
| Retained earnings to average equity (ytd only) | 5.3384% | 3,022 |
| Net charge-offs to loans | -0.0596% | 5,044 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5204% | 2,745 |
| Assets per employee ($millions) | 5.2663% | 2,175 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,612 |
| Loan loss allowance to noncurrent loans | 60.4259% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 1,457 |
| Noncurrent loans to loans | 1.7504% | 974 |
| Net loans and leases to total assets | 60.4823% | 3,703 |
| Net loans and leases to deposits | 67.2377% | 4,004 |
| Net loans and leases to core deposits | 70.4991% | 4,059 |
| Total domestic deposits to total assets | 89.9530% | 673 |
| Equity capital to assets | 9.9559% | 3,638 |
| Core capital (leverage) ratio | 8.9619% | 4,720 |
| Tier 1 risk-based capital ratio | 11.6265% | 4,785 |
| Total risk-based capital ratio | 12.4781% | 4,913 |
| Memoranda: | ||
| Average total assets | $104,947,000 | 4,143 |
| Average earning assets | $95,732,000 | 4,163 |
| Average equity | $10,565,000 | 4,344 |
| Average total loans | $67,151,000 | 4,032 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,909 |
| Cost of funding earning assets | 0.5040% | 2,294 |
| Net interest margin | 3.9388% | 1,959 |
| Noninterest income to average assets | 0.2679% | 4,517 |
| Noninterest expense to average assets | 2.6439% | 3,302 |
| Loan and lease loss provision to assets | 0.2473% | 763 |
| Net operating income to assets | 0.9353% | 2,516 |
| Return on assets (ROA) | 0.8793% | 2,839 |
| Pretax return on assets | 0.8793% | 3,977 |
| Return on Equity (ROE) | 8.4995% | 2,544 |
| Retained earnings to average equity (ytd only) | 2.8079% | 3,629 |
| Net charge-offs to loans | 0.0740% | 2,389 |
| Credit loss provision to net charge-offs | 494.1176% | 635 |
| Earnings coverage of net charge-offs (x) | 23.6275% | 1,797 |
| Efficiency ratio | 68.5047% | 2,794 |
| Assets per employee ($millions) | 4.7531% | 2,800 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,834 |
| Loan loss allowance to noncurrent loans | 221.4953% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 3,500 |
| Noncurrent loans to loans | 0.4591% | 3,134 |
| Net loans and leases to total assets | 66.1831% | 3,080 |
| Net loans and leases to deposits | 76.5446% | 3,276 |
| Net loans and leases to core deposits | 82.5623% | 3,197 |
| Total domestic deposits to total assets | 86.4635% | 2,245 |
| Equity capital to assets | 10.1789% | 3,513 |
| Core capital (leverage) ratio | 8.9913% | 4,661 |
| Tier 1 risk-based capital ratio | 11.3032% | 4,979 |
| Total risk-based capital ratio | 12.1803% | 5,069 |
| Memoranda: | ||
| Average total assets | $101,896,800 | 4,204 |
| Average earning assets | $92,059,400 | 4,240 |
| Average equity | $10,541,800 | 4,372 |
| Average total loans | $68,917,400 | 3,992 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 1,824 |
| Cost of funding earning assets | 0.4861% | 2,380 |
| Net interest margin | 3.9532% | 1,853 |
| Noninterest income to average assets | 0.2753% | 4,538 |
| Noninterest expense to average assets | 2.5855% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2671% | 1,447 |
| Return on assets (ROA) | 1.2118% | 1,675 |
| Pretax return on assets | 1.2118% | 2,851 |
| Return on Equity (ROE) | 11.6642% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.0571% | 3,503 |
| Net charge-offs to loans | -0.0058% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4957% | 3,124 |
| Assets per employee ($millions) | 4.9757% | 2,482 |
| Cash dividends to net income (ytd only)* | 65.2172% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 5,102 |
| Loan loss allowance to noncurrent loans | 113.5255% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 3,176 |
| Noncurrent loans to loans | 0.6301% | 2,814 |
| Net loans and leases to total assets | 68.0094% | 2,843 |
| Net loans and leases to deposits | 82.4684% | 2,726 |
| Net loans and leases to core deposits | 87.4718% | 2,827 |
| Total domestic deposits to total assets | 82.4672% | 3,636 |
| Equity capital to assets | 10.3618% | 3,525 |
| Core capital (leverage) ratio | 8.9707% | 4,774 |
| Tier 1 risk-based capital ratio | 10.9518% | 5,271 |
| Total risk-based capital ratio | 11.5744% | 5,447 |
| Memoranda: | ||
| Average total assets | $101,228,750 | 4,260 |
| Average earning assets | $91,603,000 | 4,293 |
| Average equity | $10,516,250 | 4,417 |
| Average total loans | $68,667,250 | 4,024 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 1,659 |
| Cost of funding earning assets | 0.4481% | 2,617 |
| Net interest margin | 4.0040% | 1,591 |
| Noninterest income to average assets | 0.2476% | 4,759 |
| Noninterest expense to average assets | 2.6203% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2323% | 1,492 |
| Return on assets (ROA) | 1.1803% | 1,696 |
| Pretax return on assets | 1.1803% | 2,851 |
| Return on Equity (ROE) | 11.3516% | 1,511 |
| Retained earnings to average equity (ytd only) | 3.6686% | 3,518 |
| Net charge-offs to loans | 0.0443% | 2,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 41.1333% | 1,224 |
| Efficiency ratio | 67.3924% | 3,117 |
| Assets per employee ($millions) | 4.5124% | 3,085 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 5,185 |
| Loan loss allowance to noncurrent loans | 117.0213% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 3,348 |
| Noncurrent loans to loans | 0.6079% | 2,904 |
| Net loans and leases to total assets | 66.5722% | 3,022 |
| Net loans and leases to deposits | 79.3513% | 2,986 |
| Net loans and leases to core deposits | 82.1077% | 3,244 |
| Total domestic deposits to total assets | 83.8956% | 3,241 |
| Equity capital to assets | 10.3213% | 3,549 |
| Core capital (leverage) ratio | 9.0955% | 4,620 |
| Tier 1 risk-based capital ratio | 11.2576% | 5,112 |
| Total risk-based capital ratio | 11.8846% | 5,331 |
| Memoranda: | ||
| Average total assets | $100,141,670 | 4,304 |
| Average earning assets | $90,159,000 | 4,353 |
| Average equity | $10,412,670 | 4,449 |
| Average total loans | $67,698,000 | 4,070 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 1,864 |
| Cost of funding earning assets | 0.4590% | 2,441 |
| Net interest margin | 3.8766% | 1,866 |
| Noninterest income to average assets | 0.2685% | 4,623 |
| Noninterest expense to average assets | 2.6241% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1147% | 1,806 |
| Return on assets (ROA) | 1.0618% | 2,060 |
| Pretax return on assets | 1.0618% | 3,123 |
| Return on Equity (ROE) | 10.1725% | 1,889 |
| Retained earnings to average equity (ytd only) | -5.4175% | 5,413 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5321% | 2,964 |
| Assets per employee ($millions) | 4.3510% | 3,420 |
| Cash dividends to net income (ytd only)* | 153.2567% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 5,073 |
| Loan loss allowance to noncurrent loans | 24.7813% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 2.0915% | 621 |
| Noncurrent loans to loans | 3.2192% | 396 |
| Net loans and leases to total assets | 63.3734% | 3,348 |
| Net loans and leases to deposits | 70.6855% | 3,726 |
| Net loans and leases to core deposits | 74.1500% | 3,818 |
| Total domestic deposits to total assets | 89.6554% | 822 |
| Equity capital to assets | 10.2576% | 3,461 |
| Core capital (leverage) ratio | 8.8391% | 4,919 |
| Tier 1 risk-based capital ratio | 11.9643% | 4,739 |
| Total risk-based capital ratio | 12.6770% | 4,976 |
| Memoranda: | ||
| Average total assets | $98,320,000 | 4,384 |
| Average earning assets | $88,015,500 | 4,445 |
| Average equity | $10,263,000 | 4,502 |
| Average total loans | $66,753,500 | 4,118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 1,581 |
| Cost of funding earning assets | 0.4334% | 2,672 |
| Net interest margin | 4.0512% | 1,490 |
| Noninterest income to average assets | 0.2688% | 4,802 |
| Noninterest expense to average assets | 2.6753% | 3,433 |
| Loan and lease loss provision to assets | 0.1795% | 1,332 |
| Net operating income to assets | 1.0576% | 2,104 |
| Return on assets (ROA) | 1.1376% | 1,833 |
| Pretax return on assets | 1.1376% | 2,941 |
| Return on Equity (ROE) | 10.4133% | 1,800 |
| Retained earnings to average equity (ytd only) | -14.7984% | 5,831 |
| Net charge-offs to loans | -0.0525% | 5,404 |
| Credit loss provision to net charge-offs | -460.5263% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1998% | 3,404 |
| Assets per employee ($millions) | 4.5985% | 2,961 |
| Cash dividends to net income (ytd only)* | 242.1100% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,289 |
| Loan loss allowance to noncurrent loans | 45.1327% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2064% | 1,495 |
| Noncurrent loans to loans | 1.6241% | 1,204 |
| Net loans and leases to total assets | 71.5227% | 2,234 |
| Net loans and leases to deposits | 80.1113% | 2,875 |
| Net loans and leases to core deposits | 84.2005% | 3,006 |
| Total domestic deposits to total assets | 89.2791% | 966 |
| Equity capital to assets | 10.6257% | 3,006 |
| Core capital (leverage) ratio | 9.2871% | 4,369 |
| Tier 1 risk-based capital ratio | 11.1472% | 5,255 |
| Total risk-based capital ratio | 11.8001% | 5,481 |
| Memoranda: | ||
| Average total assets | $97,483,200 | 4,395 |
| Average earning assets | $87,677,000 | 4,445 |
| Average equity | $10,649,800 | 4,470 |
| Average total loans | $72,376,800 | 3,983 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,425 |
| Cost of funding earning assets | 0.4357% | 2,679 |
| Net interest margin | 4.1054% | 1,370 |
| Noninterest income to average assets | 0.2674% | 4,860 |
| Noninterest expense to average assets | 2.6240% | 3,585 |
| Loan and lease loss provision to assets | 0.2047% | 1,031 |
| Net operating income to assets | 1.1285% | 1,881 |
| Return on assets (ROA) | 1.2513% | 1,557 |
| Pretax return on assets | 1.2513% | 2,615 |
| Return on Equity (ROE) | 11.3766% | 1,530 |
| Retained earnings to average equity (ytd only) | -21.9342% | 5,922 |
| Net charge-offs to loans | -0.0383% | 5,271 |
| Credit loss provision to net charge-offs | -714.2857% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9655% | 3,769 |
| Assets per employee ($millions) | 4.6432% | 2,850 |
| Cash dividends to net income (ytd only)* | 292.8016% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 5,577 |
| Loan loss allowance to noncurrent loans | 38.4996% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 1,508 |
| Noncurrent loans to loans | 1.5995% | 1,346 |
| Net loans and leases to total assets | 77.2952% | 1,309 |
| Net loans and leases to deposits | 93.0183% | 1,368 |
| Net loans and leases to core deposits | 96.3736% | 1,955 |
| Total domestic deposits to total assets | 83.0968% | 3,548 |
| Equity capital to assets | 10.6637% | 3,391 |
| Core capital (leverage) ratio | 9.1027% | 4,715 |
| Tier 1 risk-based capital ratio | 10.4048% | 5,653 |
| Total risk-based capital ratio | 10.9727% | 5,830 |
| Memoranda: | ||
| Average total assets | $97,712,000 | 4,423 |
| Average earning assets | $87,816,500 | 4,471 |
| Average equity | $10,747,000 | 4,502 |
| Average total loans | $73,076,500 | 3,988 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,578 |
| Cost of funding earning assets | 0.4209% | 2,826 |
| Net interest margin | 4.0577% | 1,486 |
| Noninterest income to average assets | 0.2679% | 4,866 |
| Noninterest expense to average assets | 2.6795% | 3,453 |
| Loan and lease loss provision to assets | 0.1534% | 1,490 |
| Net operating income to assets | 1.0636% | 2,106 |
| Return on assets (ROA) | 1.2641% | 1,496 |
| Pretax return on assets | 1.2641% | 2,544 |
| Return on Equity (ROE) | 11.3777% | 1,520 |
| Retained earnings to average equity (ytd only) | -35.2930% | 6,017 |
| Net charge-offs to loans | 0.0554% | 2,403 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,395 |
| Efficiency ratio | 67.2966% | 3,484 |
| Assets per employee ($millions) | 3.9765% | 3,959 |
| Cash dividends to net income (ytd only)* | 410.1942% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 5,824 |
| Loan loss allowance to noncurrent loans | 40.1143% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 2,245 |
| Noncurrent loans to loans | 1.1867% | 1,934 |
| Net loans and leases to total assets | 76.8945% | 1,356 |
| Net loans and leases to deposits | 87.9768% | 2,000 |
| Net loans and leases to core deposits | 90.2167% | 2,516 |
| Total domestic deposits to total assets | 87.4031% | 1,714 |
| Equity capital to assets | 10.7224% | 3,374 |
| Core capital (leverage) ratio | 8.9329% | 4,902 |
| Tier 1 risk-based capital ratio | 10.4201% | 5,707 |
| Total risk-based capital ratio | 10.8553% | 5,912 |
| Memoranda: | ||
| Average total assets | $97,780,000 | 4,455 |
| Average earning assets | $87,437,670 | 4,517 |
| Average equity | $10,863,330 | 4,513 |
| Average total loans | $72,156,670 | 4,036 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 1,518 |
| Cost of funding earning assets | 0.4150% | 2,904 |
| Net interest margin | 4.0811% | 1,391 |
| Noninterest income to average assets | 0.2789% | 4,717 |
| Noninterest expense to average assets | 2.6397% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2572% | 1,390 |
| Return on assets (ROA) | 1.6857% | 632 |
| Pretax return on assets | 1.6857% | 1,101 |
| Return on Equity (ROE) | 14.9215% | 680 |
| Retained earnings to average equity (ytd only) | -66.8426% | 6,094 |
| Net charge-offs to loans | -0.0335% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2863% | 3,751 |
| Assets per employee ($millions) | 4.6146% | 2,868 |
| Cash dividends to net income (ytd only)* | 547.9616% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4377% | 5,919 |
| Loan loss allowance to noncurrent loans | 27.3551% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 1,875 |
| Noncurrent loans to loans | 1.5999% | 1,447 |
| Net loans and leases to total assets | 70.8945% | 2,206 |
| Net loans and leases to deposits | 79.3177% | 2,876 |
| Net loans and leases to core deposits | 81.5529% | 3,174 |
| Total domestic deposits to total assets | 89.3804% | 905 |
| Equity capital to assets | 10.5339% | 3,448 |
| Core capital (leverage) ratio | 9.0064% | 4,847 |
| Tier 1 risk-based capital ratio | 10.7942% | 5,608 |
| Total risk-based capital ratio | 21.9608% | 1,337 |
| Memoranda: | ||
| Average total assets | $98,952,000 | 4,486 |
| Average earning assets | $87,720,500 | 4,551 |
| Average equity | $11,178,500 | 4,473 |
| Average total loans | $71,575,000 | 4,075 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,648 |
| Cost of funding earning assets | 0.4901% | 2,254 |
| Net interest margin | 3.9923% | 1,739 |
| Noninterest income to average assets | 0.2759% | 4,913 |
| Noninterest expense to average assets | 2.6670% | 3,705 |
| Loan and lease loss provision to assets | 0.1105% | 2,149 |
| Net operating income to assets | 1.0756% | 2,023 |
| Return on assets (ROA) | 1.0387% | 2,260 |
| Pretax return on assets | 1.0387% | 3,314 |
| Return on Equity (ROE) | 8.7949% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.5787% | 2,720 |
| Net charge-offs to loans | 0.0774% | 2,716 |
| Credit loss provision to net charge-offs | 198.2143% | 1,415 |
| Earnings coverage of net charge-offs (x) | 21.2679% | 1,822 |
| Efficiency ratio | 67.6402% | 3,637 |
| Assets per employee ($millions) | 4.8094% | 2,588 |
| Cash dividends to net income (ytd only)* | 47.9386% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3992% | 5,995 |
| Loan loss allowance to noncurrent loans | 38.3420% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 2,676 |
| Noncurrent loans to loans | 1.0412% | 2,252 |
| Net loans and leases to total assets | 73.1212% | 1,866 |
| Net loans and leases to deposits | 84.9321% | 2,253 |
| Net loans and leases to core deposits | 87.2881% | 2,673 |
| Total domestic deposits to total assets | 86.0938% | 2,593 |
| Equity capital to assets | 12.0290% | 1,932 |
| Core capital (leverage) ratio | 10.6553% | 2,766 |
| Tier 1 risk-based capital ratio | 12.4601% | 4,661 |
| Total risk-based capital ratio | 25.2666% | 914 |
| Memoranda: | ||
| Average total assets | $100,411,400 | 4,455 |
| Average earning assets | $89,972,600 | 4,507 |
| Average equity | $11,859,200 | 4,332 |
| Average total loans | $72,309,800 | 4,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 1,774 |
| Cost of funding earning assets | 0.5025% | 2,186 |
| Net interest margin | 3.9402% | 1,897 |
| Noninterest income to average assets | 0.2646% | 5,044 |
| Noninterest expense to average assets | 2.6768% | 3,648 |
| Loan and lease loss provision to assets | 0.1330% | 1,685 |
| Net operating income to assets | 0.9894% | 2,516 |
| Return on assets (ROA) | 0.9508% | 2,801 |
| Pretax return on assets | 0.9508% | 3,815 |
| Return on Equity (ROE) | 8.0880% | 3,031 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,929 |
| Net charge-offs to loans | -0.0687% | 5,656 |
| Credit loss provision to net charge-offs | -270.2703% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8134% | 3,406 |
| Assets per employee ($millions) | 5.1653% | 2,102 |
| Cash dividends to net income (ytd only)* | 55.9440% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4942% | 6,025 |
| Loan loss allowance to noncurrent loans | 28.7234% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 1,786 |
| Noncurrent loans to loans | 1.7205% | 1,396 |
| Net loans and leases to total assets | 73.6763% | 1,791 |
| Net loans and leases to deposits | 91.3633% | 1,481 |
| Net loans and leases to core deposits | 94.0107% | 2,075 |
| Total domestic deposits to total assets | 80.6410% | 4,567 |
| Equity capital to assets | 11.6150% | 2,407 |
| Core capital (leverage) ratio | 10.1001% | 3,500 |
| Tier 1 risk-based capital ratio | 11.6254% | 5,309 |
| Total risk-based capital ratio | 12.0469% | 5,688 |
| Memoranda: | ||
| Average total assets | $100,264,750 | 4,505 |
| Average earning assets | $89,942,500 | 4,557 |
| Average equity | $11,786,750 | 4,394 |
| Average total loans | $71,850,500 | 4,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 2,256 |
| Cost of funding earning assets | 0.4995% | 2,257 |
| Net interest margin | 3.7774% | 2,412 |
| Noninterest income to average assets | 0.2680% | 5,037 |
| Noninterest expense to average assets | 2.7123% | 3,555 |
| Loan and lease loss provision to assets | 0.1008% | 2,148 |
| Net operating income to assets | 0.8383% | 3,180 |
| Return on assets (ROA) | 0.8000% | 3,479 |
| Pretax return on assets | 0.8000% | 4,310 |
| Return on Equity (ROE) | 6.7771% | 3,742 |
| Retained earnings to average equity (ytd only) | -0.0512% | 5,518 |
| Net charge-offs to loans | -0.1081% | 5,816 |
| Credit loss provision to net charge-offs | -131.5789% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5166% | 2,926 |
| Assets per employee ($millions) | 5.1673% | 2,075 |
| Cash dividends to net income (ytd only)* | 100.7557% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 6,137 |
| Loan loss allowance to noncurrent loans | 23.6691% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 1,817 |
| Noncurrent loans to loans | 1.8627% | 1,354 |
| Net loans and leases to total assets | 71.8896% | 2,003 |
| Net loans and leases to deposits | 86.8978% | 1,951 |
| Net loans and leases to core deposits | 89.9357% | 2,358 |
| Total domestic deposits to total assets | 82.7289% | 4,056 |
| Equity capital to assets | 11.2544% | 2,614 |
| Core capital (leverage) ratio | 10.0909% | 3,476 |
| Tier 1 risk-based capital ratio | 11.7204% | 5,324 |
| Total risk-based capital ratio | 12.1018% | 5,707 |
| Memoranda: | ||
| Average total assets | $99,251,000 | 4,565 |
| Average earning assets | $88,896,000 | 4,619 |
| Average equity | $11,716,000 | 4,433 |
| Average total loans | $70,304,000 | 4,150 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,046 |
| Cost of funding earning assets | 0.5061% | 2,231 |
| Net interest margin | 3.8092% | 2,199 |
| Noninterest income to average assets | 0.2839% | 4,906 |
| Noninterest expense to average assets | 2.7406% | 3,448 |
| Loan and lease loss provision to assets | 0.2058% | 881 |
| Net operating income to assets | 0.7448% | 3,567 |
| Return on assets (ROA) | 0.7119% | 3,868 |
| Pretax return on assets | 0.7119% | 4,555 |
| Return on Equity (ROE) | 5.8851% | 4,084 |
| Retained earnings to average equity (ytd only) | -0.9185% | 5,543 |
| Net charge-offs to loans | -0.0880% | 5,800 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4638% | 3,093 |
| Assets per employee ($millions) | 5.2043% | 2,109 |
| Cash dividends to net income (ytd only)* | 115.6069% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 6,201 |
| Loan loss allowance to noncurrent loans | 19.1729% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 1,535 |
| Noncurrent loans to loans | 2.3668% | 1,039 |
| Net loans and leases to total assets | 67.8850% | 2,459 |
| Net loans and leases to deposits | 77.1528% | 2,927 |
| Net loans and leases to core deposits | 79.9890% | 3,167 |
| Total domestic deposits to total assets | 87.9877% | 1,831 |
| Equity capital to assets | 11.8950% | 2,111 |
| Core capital (leverage) ratio | 10.2096% | 3,328 |
| Tier 1 risk-based capital ratio | 11.9871% | 5,246 |
| Total risk-based capital ratio | 12.3507% | 5,674 |
| Memoranda: | ||
| Average total assets | $97,203,500 | 4,643 |
| Average earning assets | $86,947,500 | 4,693 |
| Average equity | $11,758,500 | 4,456 |
| Average total loans | $68,144,000 | 4,229 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,155 |
| Cost of funding earning assets | 0.5634% | 2,114 |
| Net interest margin | 3.8576% | 2,405 |
| Noninterest income to average assets | 0.3062% | 4,923 |
| Noninterest expense to average assets | 2.8894% | 3,180 |
| Loan and lease loss provision to assets | 0.0991% | 2,503 |
| Net operating income to assets | 0.7441% | 3,656 |
| Return on assets (ROA) | 0.7095% | 3,960 |
| Pretax return on assets | 0.7095% | 4,585 |
| Return on Equity (ROE) | 6.2710% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.0160% | 5,315 |
| Net charge-offs to loans | 0.1220% | 2,806 |
| Credit loss provision to net charge-offs | 120.4819% | 1,990 |
| Earnings coverage of net charge-offs (x) | 10.2530% | 2,635 |
| Efficiency ratio | 75.0465% | 2,659 |
| Assets per employee ($millions) | 4.1533% | 3,629 |
| Cash dividends to net income (ytd only)* | 83.7989% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3500% | 6,350 |
| Loan loss allowance to noncurrent loans | 32.4798% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 3,173 |
| Noncurrent loans to loans | 1.0776% | 2,665 |
| Net loans and leases to total assets | 71.8294% | 1,936 |
| Net loans and leases to deposits | 82.0390% | 2,464 |
| Net loans and leases to core deposits | 85.1821% | 2,763 |
| Total domestic deposits to total assets | 87.5551% | 2,003 |
| Equity capital to assets | 12.2303% | 1,837 |
| Core capital (leverage) ratio | 10.1136% | 3,417 |
| Tier 1 risk-based capital ratio | 13.3937% | 4,469 |
| Total risk-based capital ratio | 13.7185% | 4,973 |
| Memoranda: | ||
| Average total assets | $100,921,400 | 4,579 |
| Average earning assets | $89,640,400 | 4,662 |
| Average equity | $11,417,600 | 4,473 |
| Average total loans | $68,010,200 | 4,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,475 |
| Cost of funding earning assets | 0.5645% | 2,153 |
| Net interest margin | 3.7709% | 2,732 |
| Noninterest income to average assets | 0.2829% | 5,179 |
| Noninterest expense to average assets | 2.7730% | 3,565 |
| Loan and lease loss provision to assets | 0.1304% | 1,924 |
| Net operating income to assets | 0.7236% | 3,821 |
| Return on assets (ROA) | 0.6897% | 4,086 |
| Pretax return on assets | 0.6897% | 4,732 |
| Return on Equity (ROE) | 6.2136% | 4,125 |
| Retained earnings to average equity (ytd only) | 0.3407% | 5,706 |
| Net charge-offs to loans | 0.1082% | 2,722 |
| Credit loss provision to net charge-offs | 181.8182% | 1,374 |
| Earnings coverage of net charge-offs (x) | 11.9093% | 2,364 |
| Efficiency ratio | 74.0115% | 2,820 |
| Assets per employee ($millions) | 4.2002% | 3,484 |
| Cash dividends to net income (ytd only)* | 94.5174% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3636% | 6,430 |
| Loan loss allowance to noncurrent loans | 33.0456% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 3,309 |
| Noncurrent loans to loans | 1.1002% | 2,867 |
| Net loans and leases to total assets | 72.8622% | 1,702 |
| Net loans and leases to deposits | 88.2057% | 1,644 |
| Net loans and leases to core deposits | 91.7126% | 2,056 |
| Total domestic deposits to total assets | 82.6049% | 4,264 |
| Equity capital to assets | 11.4281% | 2,550 |
| Core capital (leverage) ratio | 9.9402% | 3,757 |
| Tier 1 risk-based capital ratio | 12.4907% | 5,174 |
| Total risk-based capital ratio | 12.8304% | 5,667 |
| Memoranda: | ||
| Average total assets | $102,270,500 | 4,588 |
| Average earning assets | $90,691,750 | 4,684 |
| Average equity | $11,351,250 | 4,516 |
| Average total loans | $67,798,750 | 4,281 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 2,687 |
| Cost of funding earning assets | 0.5642% | 2,219 |
| Net interest margin | 3.7096% | 2,922 |
| Noninterest income to average assets | 0.2861% | 5,135 |
| Noninterest expense to average assets | 2.7423% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7941% | 3,364 |
| Return on assets (ROA) | 0.7629% | 3,608 |
| Pretax return on assets | 0.7629% | 4,407 |
| Return on Equity (ROE) | 6.9411% | 3,650 |
| Retained earnings to average equity (ytd only) | -1.9124% | 5,981 |
| Net charge-offs to loans | 0.1550% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,546 |
| Efficiency ratio | 75.0138% | 2,805 |
| Assets per employee ($millions) | 4.1902% | 3,475 |
| Cash dividends to net income (ytd only)* | 127.5510% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2500% | 6,555 |
| Loan loss allowance to noncurrent loans | 75.1092% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 5,303 |
| Noncurrent loans to loans | 0.3328% | 5,017 |
| Net loans and leases to total assets | 68.2491% | 2,374 |
| Net loans and leases to deposits | 79.1371% | 2,641 |
| Net loans and leases to core deposits | 82.4938% | 2,913 |
| Total domestic deposits to total assets | 86.2416% | 2,902 |
| Equity capital to assets | 11.3231% | 2,586 |
| Core capital (leverage) ratio | 9.7036% | 4,034 |
| Tier 1 risk-based capital ratio | 13.1032% | 4,849 |
| Total risk-based capital ratio | 13.3355% | 5,417 |
| Memoranda: | ||
| Average total assets | $102,759,330 | 4,612 |
| Average earning assets | $90,037,670 | 4,730 |
| Average equity | $11,295,000 | 4,537 |
| Average total loans | $65,826,330 | 4,361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 3,006 |
| Cost of funding earning assets | 0.5625% | 2,318 |
| Net interest margin | 3.6035% | 3,234 |
| Noninterest income to average assets | 0.2465% | 5,389 |
| Noninterest expense to average assets | 2.6459% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7587% | 3,361 |
| Return on assets (ROA) | 0.7279% | 3,636 |
| Pretax return on assets | 0.7279% | 4,394 |
| Return on Equity (ROE) | 6.7206% | 3,622 |
| Retained earnings to average equity (ytd only) | -3.9470% | 6,057 |
| Net charge-offs to loans | -0.0187% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1131% | 2,948 |
| Assets per employee ($millions) | 4.4165% | 3,116 |
| Cash dividends to net income (ytd only)* | 158.7302% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3602% | 6,582 |
| Loan loss allowance to noncurrent loans | 55.5283% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 4,889 |
| Noncurrent loans to loans | 0.6486% | 4,240 |
| Net loans and leases to total assets | 58.9849% | 3,703 |
| Net loans and leases to deposits | 66.7774% | 3,996 |
| Net loans and leases to core deposits | 69.4292% | 4,161 |
| Total domestic deposits to total assets | 88.3306% | 2,039 |
| Equity capital to assets | 10.6250% | 3,109 |
| Core capital (leverage) ratio | 9.2721% | 4,614 |
| Tier 1 risk-based capital ratio | 13.1904% | 4,900 |
| Total risk-based capital ratio | 13.4976% | 5,407 |
| Memoranda: | ||
| Average total assets | $103,857,000 | 4,632 |
| Average earning assets | $91,023,000 | 4,748 |
| Average equity | $11,249,000 | 4,560 |
| Average total loans | $64,336,500 | 4,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 3,278 |
| Cost of funding earning assets | 0.5116% | 3,481 |
| Net interest margin | 3.7065% | 3,026 |
| Noninterest income to average assets | 0.2770% | 5,372 |
| Noninterest expense to average assets | 2.5646% | 4,573 |
| Loan and lease loss provision to assets | -0.1629% | 6,560 |
| Net operating income to assets | 0.9965% | 2,333 |
| Return on assets (ROA) | 0.8912% | 2,918 |
| Pretax return on assets | 0.9401% | 3,594 |
| Return on Equity (ROE) | 8.9684% | 2,540 |
| Retained earnings to average equity (ytd only) | 4.8695% | 2,686 |
| Net charge-offs to loans | -0.3022% | 6,675 |
| Credit loss provision to net charge-offs | 99.0099% | 2,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2803% | 3,088 |
| Assets per employee ($millions) | 4.2160% | 3,417 |
| Cash dividends to net income (ytd only)* | 45.7038% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 6,391 |
| Loan loss allowance to noncurrent loans | 77.3519% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 4,592 |
| Noncurrent loans to loans | 0.8652% | 3,816 |
| Net loans and leases to total assets | 55.8214% | 4,345 |
| Net loans and leases to deposits | 62.4547% | 4,680 |
| Net loans and leases to core deposits | 63.0789% | 4,963 |
| Total domestic deposits to total assets | 89.3789% | 1,394 |
| Equity capital to assets | 10.3416% | 3,349 |
| Core capital (leverage) ratio | 9.8582% | 3,763 |
| Tier 1 risk-based capital ratio | 15.1361% | 3,587 |
| Total risk-based capital ratio | 15.6916% | 3,934 |
| Memoranda: | ||
| Average total assets | $61,375,000 | 5,718 |
| Average earning assets | $52,583,400 | 5,817 |
| Average equity | $6,099,200 | 5,798 |
| Average total loans | $33,417,800 | 5,604 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,651 |
| Cost of funding earning assets | 0.5254% | 3,521 |
| Net interest margin | 3.6027% | 3,432 |
| Noninterest income to average assets | 0.2733% | 5,488 |
| Noninterest expense to average assets | 2.1797% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1199% | 1,933 |
| Return on assets (ROA) | 1.0006% | 2,460 |
| Pretax return on assets | 1.0651% | 3,245 |
| Return on Equity (ROE) | 10.1669% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.7009% | 3,309 |
| Net charge-offs to loans | -0.4022% | 6,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6458% | 4,703 |
| Assets per employee ($millions) | 4.4559% | 2,945 |
| Cash dividends to net income (ytd only)* | 53.7646% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,164 |
| Loan loss allowance to noncurrent loans | 111.0345% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 4,876 |
| Noncurrent loans to loans | 0.7731% | 4,301 |
| Net loans and leases to total assets | 59.6108% | 3,760 |
| Net loans and leases to deposits | 69.3205% | 3,885 |
| Net loans and leases to core deposits | 71.0245% | 4,208 |
| Total domestic deposits to total assets | 85.9930% | 3,253 |
| Equity capital to assets | 9.8040% | 4,177 |
| Core capital (leverage) ratio | 9.6343% | 4,195 |
| Tier 1 risk-based capital ratio | 13.6028% | 4,689 |
| Total risk-based capital ratio | 14.3368% | 5,014 |
| Memoranda: | ||
| Average total assets | $61,962,750 | 5,768 |
| Average earning assets | $53,291,250 | 5,851 |
| Average equity | $6,098,000 | 5,867 |
| Average total loans | $33,479,750 | 5,657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 4,111 |
| Cost of funding earning assets | 0.5220% | 3,685 |
| Net interest margin | 3.4778% | 3,886 |
| Noninterest income to average assets | 0.2491% | 5,668 |
| Noninterest expense to average assets | 2.2548% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9300% | 2,663 |
| Return on assets (ROA) | 0.8023% | 3,437 |
| Pretax return on assets | 0.8541% | 4,100 |
| Return on Equity (ROE) | 8.1418% | 3,020 |
| Retained earnings to average equity (ytd only) | 1.5758% | 5,242 |
| Net charge-offs to loans | -0.6286% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4915% | 3,928 |
| Assets per employee ($millions) | 4.4143% | 2,954 |
| Cash dividends to net income (ytd only)* | 80.6452% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 5,943 |
| Loan loss allowance to noncurrent loans | 157.0732% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 5,316 |
| Noncurrent loans to loans | 0.6149% | 4,716 |
| Net loans and leases to total assets | 53.4223% | 4,666 |
| Net loans and leases to deposits | 59.2399% | 5,046 |
| Net loans and leases to core deposits | 60.6358% | 5,209 |
| Total domestic deposits to total assets | 90.1796% | 932 |
| Equity capital to assets | 9.4466% | 4,656 |
| Core capital (leverage) ratio | 9.1272% | 4,788 |
| Tier 1 risk-based capital ratio | 14.4078% | 4,155 |
| Total risk-based capital ratio | 15.2077% | 4,411 |
| Memoranda: | ||
| Average total assets | $61,822,670 | 5,811 |
| Average earning assets | $53,252,670 | 5,887 |
| Average equity | $6,092,000 | 5,905 |
| Average total loans | $32,136,670 | 5,749 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 4,262 |
| Cost of funding earning assets | 0.5261% | 3,829 |
| Net interest margin | 3.4347% | 3,983 |
| Noninterest income to average assets | 0.2264% | 5,845 |
| Noninterest expense to average assets | 2.3353% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7789% | 3,288 |
| Return on assets (ROA) | 0.6598% | 4,064 |
| Pretax return on assets | 0.7181% | 4,498 |
| Return on Equity (ROE) | 6.5605% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.5605% | 2,387 |
| Net charge-offs to loans | -0.0888% | 6,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3740% | 3,377 |
| Assets per employee ($millions) | 4.6959% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 6,498 |
| Loan loss allowance to noncurrent loans | 61.8529% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 4,861 |
| Noncurrent loans to loans | 1.2514% | 3,680 |
| Net loans and leases to total assets | 44.2655% | 5,628 |
| Net loans and leases to deposits | 49.1007% | 5,848 |
| Net loans and leases to core deposits | 50.1863% | 5,964 |
| Total domestic deposits to total assets | 90.1524% | 958 |
| Equity capital to assets | 9.4780% | 4,880 |
| Core capital (leverage) ratio | 9.1228% | 4,685 |
| Tier 1 risk-based capital ratio | 15.5733% | 3,489 |
| Total risk-based capital ratio | 16.1772% | 3,855 |
| Memoranda: | ||
| Average total assets | $61,834,000 | 5,866 |
| Average earning assets | $53,221,000 | 5,931 |
| Average equity | $6,219,000 | 5,931 |
| Average total loans | $31,536,500 | 5,820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 2,086 |
| Cost of funding earning assets | 0.6989% | 3,503 |
| Net interest margin | 4.1332% | 1,876 |
| Noninterest income to average assets | 0.2498% | 5,676 |
| Noninterest expense to average assets | 2.7677% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9223% | 2,693 |
| Return on assets (ROA) | 0.8094% | 3,492 |
| Pretax return on assets | 0.8674% | 4,040 |
| Return on Equity (ROE) | 7.4189% | 3,397 |
| Retained earnings to average equity (ytd only) | 3.3869% | 3,842 |
| Net charge-offs to loans | 0.0062% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 138 |
| Efficiency ratio | 73.6768% | 3,117 |
| Assets per employee ($millions) | 4.1376% | 3,673 |
| Cash dividends to net income (ytd only)* | 54.3478% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 6,696 |
| Loan loss allowance to noncurrent loans | 500.0000% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 6,224 |
| Noncurrent loans to loans | 0.1304% | 6,160 |
| Net loans and leases to total assets | 57.8756% | 4,001 |
| Net loans and leases to deposits | 65.1047% | 4,409 |
| Net loans and leases to core deposits | 66.7669% | 4,659 |
| Total domestic deposits to total assets | 88.8962% | 1,643 |
| Equity capital to assets | 10.7154% | 3,261 |
| Core capital (leverage) ratio | 9.7753% | 3,690 |
| Tier 1 risk-based capital ratio | 14.7828% | 3,844 |
| Total risk-based capital ratio | 15.3482% | 4,266 |
| Memoranda: | ||
| Average total assets | $56,834,800 | 6,001 |
| Average earning assets | $48,219,400 | 6,115 |
| Average equity | $6,200,400 | 5,970 |
| Average total loans | $32,434,200 | 5,829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 1,840 |
| Cost of funding earning assets | 0.7252% | 3,555 |
| Net interest margin | 4.2223% | 1,674 |
| Noninterest income to average assets | 0.2287% | 5,912 |
| Noninterest expense to average assets | 2.6024% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0949% | 2,112 |
| Return on assets (ROA) | 0.9853% | 2,812 |
| Pretax return on assets | 1.0631% | 3,487 |
| Return on Equity (ROE) | 8.9908% | 2,806 |
| Retained earnings to average equity (ytd only) | 3.6135% | 4,337 |
| Net charge-offs to loans | 0.0041% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 502.2406% | 88 |
| Efficiency ratio | 68.7850% | 3,915 |
| Assets per employee ($millions) | 4.0019% | 3,863 |
| Cash dividends to net income (ytd only)* | 59.8094% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6460% | 6,812 |
| Loan loss allowance to noncurrent loans | 252.8736% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,168 |
| Noncurrent loans to loans | 0.2555% | 5,978 |
| Net loans and leases to total assets | 60.3923% | 3,700 |
| Net loans and leases to deposits | 68.5161% | 4,095 |
| Net loans and leases to core deposits | 70.7437% | 4,405 |
| Total domestic deposits to total assets | 88.1432% | 1,962 |
| Equity capital to assets | 11.1892% | 3,049 |
| Core capital (leverage) ratio | 10.2407% | 3,239 |
| Tier 1 risk-based capital ratio | 14.8850% | 3,930 |
| Total risk-based capital ratio | 15.4586% | 4,344 |
| Memoranda: | ||
| Average total assets | $56,562,000 | 6,077 |
| Average earning assets | $47,619,000 | 6,208 |
| Average equity | $6,198,750 | 6,036 |
| Average total loans | $32,106,500 | 5,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 1,952 |
| Cost of funding earning assets | 0.7520% | 3,590 |
| Net interest margin | 4.1908% | 1,778 |
| Noninterest income to average assets | 0.2221% | 5,985 |
| Noninterest expense to average assets | 2.4110% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2032% | 1,702 |
| Return on assets (ROA) | 1.0962% | 2,284 |
| Pretax return on assets | 1.1914% | 2,963 |
| Return on Equity (ROE) | 10.0723% | 2,325 |
| Retained earnings to average equity (ytd only) | 6.8336% | 2,198 |
| Net charge-offs to loans | 0.0127% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 247 |
| Efficiency ratio | 64.8341% | 4,745 |
| Assets per employee ($millions) | 4.0374% | 3,800 |
| Cash dividends to net income (ytd only)* | 32.1543% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 6,873 |
| Loan loss allowance to noncurrent loans | 448.9796% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 6,415 |
| Noncurrent loans to loans | 0.1463% | 6,298 |
| Net loans and leases to total assets | 58.8486% | 4,011 |
| Net loans and leases to deposits | 66.5806% | 4,433 |
| Net loans and leases to core deposits | 68.3664% | 4,745 |
| Total domestic deposits to total assets | 88.3870% | 1,898 |
| Equity capital to assets | 11.1123% | 3,004 |
| Core capital (leverage) ratio | 10.0158% | 3,406 |
| Tier 1 risk-based capital ratio | 15.3185% | 3,562 |
| Total risk-based capital ratio | 15.9042% | 3,959 |
| Memoranda: | ||
| Average total assets | $56,740,330 | 6,118 |
| Average earning assets | $47,342,330 | 6,251 |
| Average equity | $6,175,330 | 6,070 |
| Average total loans | $31,456,670 | 5,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 1,548 |
| Cost of funding earning assets | 0.8085% | 3,404 |
| Net interest margin | 4.3003% | 1,464 |
| Noninterest income to average assets | 0.2463% | 5,877 |
| Noninterest expense to average assets | 2.3501% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2909% | 1,477 |
| Return on assets (ROA) | 1.1821% | 1,970 |
| Pretax return on assets | 1.2947% | 2,559 |
| Return on Equity (ROE) | 10.9759% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.9759% | 1,034 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4299% | 5,201 |
| Assets per employee ($millions) | 4.2134% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 6,812 |
| Loan loss allowance to noncurrent loans | 352.3810% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 6,469 |
| Noncurrent loans to loans | 0.2132% | 6,261 |
| Net loans and leases to total assets | 49.7135% | 5,345 |
| Net loans and leases to deposits | 55.8955% | 5,614 |
| Net loans and leases to core deposits | 57.3168% | 5,780 |
| Total domestic deposits to total assets | 88.9401% | 1,734 |
| Equity capital to assets | 10.5462% | 3,434 |
| Core capital (leverage) ratio | 9.8688% | 3,541 |
| Tier 1 risk-based capital ratio | 16.4250% | 2,950 |
| Total risk-based capital ratio | 17.0636% | 3,242 |
| Memoranda: | ||
| Average total assets | $56,849,000 | 6,158 |
| Average earning assets | $46,508,500 | 6,314 |
| Average equity | $6,122,500 | 6,114 |
| Average total loans | $30,443,500 | 6,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 3,424 |
| Cost of funding earning assets | 1.0506% | 3,012 |
| Net interest margin | 3.8356% | 3,647 |
| Noninterest income to average assets | 0.2824% | 5,509 |
| Noninterest expense to average assets | 2.7444% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7943% | 3,064 |
| Return on assets (ROA) | 0.7209% | 3,550 |
| Pretax return on assets | 0.7637% | 4,104 |
| Return on Equity (ROE) | 6.4540% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.1272% | 3,998 |
| Net charge-offs to loans | 0.1126% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 13.3235% | 1,550 |
| Efficiency ratio | 76.5285% | 2,819 |
| Assets per employee ($millions) | 3.9079% | 4,055 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 6,895 |
| Loan loss allowance to noncurrent loans | 68.9441% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 5,352 |
| Noncurrent loans to loans | 1.0274% | 4,655 |
| Net loans and leases to total assets | 56.8781% | 4,564 |
| Net loans and leases to deposits | 64.2058% | 4,981 |
| Net loans and leases to core deposits | 66.3355% | 5,218 |
| Total domestic deposits to total assets | 88.5871% | 1,793 |
| Equity capital to assets | 11.0108% | 2,971 |
| Core capital (leverage) ratio | 10.1645% | 3,149 |
| Tier 1 risk-based capital ratio | 15.6640% | 3,230 |
| Total risk-based capital ratio | 16.2916% | 3,574 |
| Memoranda: | ||
| Average total assets | $53,818,400 | 6,234 |
| Average earning assets | $46,355,200 | 6,319 |
| Average equity | $6,011,800 | 6,155 |
| Average total loans | $30,205,000 | 6,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 3,983 |
| Cost of funding earning assets | 1.0849% | 3,077 |
| Net interest margin | 3.7257% | 4,222 |
| Noninterest income to average assets | 0.2861% | 5,563 |
| Noninterest expense to average assets | 2.6096% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8612% | 2,906 |
| Return on assets (ROA) | 0.8010% | 3,319 |
| Pretax return on assets | 0.8583% | 3,919 |
| Return on Equity (ROE) | 7.1449% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.9260% | 3,221 |
| Net charge-offs to loans | 0.1292% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.7916% | 1,670 |
| Efficiency ratio | 73.8732% | 3,205 |
| Assets per employee ($millions) | 4.1175% | 3,604 |
| Cash dividends to net income (ytd only)* | 31.0561% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 6,938 |
| Loan loss allowance to noncurrent loans | 270.2381% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,504 |
| Noncurrent loans to loans | 0.2659% | 6,341 |
| Net loans and leases to total assets | 58.5835% | 4,398 |
| Net loans and leases to deposits | 66.7504% | 4,793 |
| Net loans and leases to core deposits | 68.0025% | 5,178 |
| Total domestic deposits to total assets | 87.7651% | 2,183 |
| Equity capital to assets | 11.4354% | 2,746 |
| Core capital (leverage) ratio | 10.3386% | 3,051 |
| Tier 1 risk-based capital ratio | 15.7064% | 3,273 |
| Total risk-based capital ratio | 16.3460% | 3,577 |
| Memoranda: | ||
| Average total assets | $53,595,500 | 6,292 |
| Average earning assets | $46,702,000 | 6,357 |
| Average equity | $6,008,750 | 6,203 |
| Average total loans | $29,921,250 | 6,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 4,880 |
| Cost of funding earning assets | 1.0971% | 3,263 |
| Net interest margin | 3.5253% | 5,039 |
| Noninterest income to average assets | 0.2909% | 5,550 |
| Noninterest expense to average assets | 2.6222% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7199% | 3,443 |
| Return on assets (ROA) | 0.6490% | 3,928 |
| Pretax return on assets | 0.6863% | 4,430 |
| Return on Equity (ROE) | 5.8278% | 4,050 |
| Retained earnings to average equity (ytd only) | 2.4785% | 4,705 |
| Net charge-offs to loans | 0.1975% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.0345% | 2,289 |
| Efficiency ratio | 77.5083% | 2,789 |
| Assets per employee ($millions) | 4.2344% | 3,286 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,988 |
| Loan loss allowance to noncurrent loans | 257.9545% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,478 |
| Noncurrent loans to loans | 0.2811% | 6,362 |
| Net loans and leases to total assets | 56.4627% | 4,910 |
| Net loans and leases to deposits | 63.9566% | 5,276 |
| Net loans and leases to core deposits | 65.1798% | 5,592 |
| Total domestic deposits to total assets | 88.2827% | 1,971 |
| Equity capital to assets | 10.8998% | 3,065 |
| Core capital (leverage) ratio | 9.8944% | 3,394 |
| Tier 1 risk-based capital ratio | 15.4664% | 3,269 |
| Total risk-based capital ratio | 16.1133% | 3,538 |
| Memoranda: | ||
| Average total assets | $53,618,330 | 6,345 |
| Average earning assets | $47,031,670 | 6,401 |
| Average equity | $5,971,330 | 6,238 |
| Average total loans | $29,366,670 | 6,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 5,024 |
| Cost of funding earning assets | 1.1326% | 3,282 |
| Net interest margin | 3.4488% | 5,232 |
| Noninterest income to average assets | 0.2798% | 5,669 |
| Noninterest expense to average assets | 2.0717% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2052% | 1,509 |
| Return on assets (ROA) | 1.1190% | 1,822 |
| Pretax return on assets | 1.1795% | 2,450 |
| Return on Equity (ROE) | 9.9379% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.9379% | 1,131 |
| Net charge-offs to loans | 0.1972% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,523 |
| Efficiency ratio | 61.9910% | 5,679 |
| Assets per employee ($millions) | 4.2205% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 6,723 |
| Loan loss allowance to noncurrent loans | 43.5252% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 4,692 |
| Noncurrent loans to loans | 2.0443% | 3,517 |
| Net loans and leases to total assets | 49.1279% | 5,946 |
| Net loans and leases to deposits | 55.5281% | 6,173 |
| Net loans and leases to core deposits | 57.5949% | 6,293 |
| Total domestic deposits to total assets | 88.4739% | 2,097 |
| Equity capital to assets | 10.9793% | 2,711 |
| Core capital (leverage) ratio | 10.0744% | 3,065 |
| Tier 1 risk-based capital ratio | 17.2835% | 2,381 |
| Total risk-based capital ratio | 18.0439% | 2,519 |
| Memoranda: | ||
| Average total assets | $52,904,000 | 6,418 |
| Average earning assets | $46,973,000 | 6,455 |
| Average equity | $5,957,000 | 6,263 |
| Average total loans | $28,396,000 | 6,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1757% | 3,724 |
| Cost of funding earning assets | 1.4137% | 3,178 |
| Net interest margin | 3.7621% | 4,097 |
| Noninterest income to average assets | 0.2616% | 5,923 |
| Noninterest expense to average assets | 2.8742% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7738% | 2,910 |
| Return on assets (ROA) | 0.6454% | 3,611 |
| Pretax return on assets | 0.7035% | 3,964 |
| Return on Equity (ROE) | 5.5916% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.2333% | 4,319 |
| Net charge-offs to loans | -0.0136% | 7,333 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3201% | 2,821 |
| Assets per employee ($millions) | 3.6386% | 4,608 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,819 |
| Loan loss allowance to noncurrent loans | 51.1022% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 4,835 |
| Noncurrent loans to loans | 1.6861% | 3,970 |
| Net loans and leases to total assets | 57.5960% | 5,086 |
| Net loans and leases to deposits | 65.5452% | 5,447 |
| Net loans and leases to core deposits | 67.5663% | 5,703 |
| Total domestic deposits to total assets | 87.8722% | 2,327 |
| Equity capital to assets | 11.5624% | 2,207 |
| Core capital (leverage) ratio | 10.0200% | 3,070 |
| Tier 1 risk-based capital ratio | 16.1201% | 2,690 |
| Total risk-based capital ratio | 16.8880% | 2,892 |
| Memoranda: | ||
| Average total assets | $51,597,600 | 6,478 |
| Average earning assets | $47,394,200 | 6,459 |
| Average equity | $5,955,400 | 6,377 |
| Average total loans | $29,367,200 | 6,431 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 3,911 |
| Cost of funding earning assets | 1.4387% | 3,344 |
| Net interest margin | 3.7467% | 4,200 |
| Noninterest income to average assets | 0.2730% | 5,928 |
| Noninterest expense to average assets | 2.6892% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9697% | 2,337 |
| Return on assets (ROA) | 0.8346% | 2,993 |
| Pretax return on assets | 0.9119% | 3,516 |
| Return on Equity (ROE) | 7.2339% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.5546% | 3,302 |
| Net charge-offs to loans | -0.0136% | 7,302 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7526% | 3,751 |
| Assets per employee ($millions) | 3.6640% | 4,577 |
| Cash dividends to net income (ytd only)* | 37.0379% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 6,900 |
| Loan loss allowance to noncurrent loans | 46.7890% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 4,782 |
| Noncurrent loans to loans | 1.8107% | 3,934 |
| Net loans and leases to total assets | 58.1800% | 5,237 |
| Net loans and leases to deposits | 66.6518% | 5,585 |
| Net loans and leases to core deposits | 68.7001% | 5,876 |
| Total domestic deposits to total assets | 87.2895% | 2,381 |
| Equity capital to assets | 11.6422% | 2,418 |
| Core capital (leverage) ratio | 10.4418% | 2,753 |
| Tier 1 risk-based capital ratio | 16.1534% | 2,696 |
| Total risk-based capital ratio | 16.9129% | 2,877 |
| Memoranda: | ||
| Average total assets | $51,761,750 | 6,549 |
| Average earning assets | $48,006,000 | 6,507 |
| Average equity | $5,971,750 | 6,457 |
| Average total loans | $29,310,250 | 6,517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 4,468 |
| Cost of funding earning assets | 1.4782% | 3,379 |
| Net interest margin | 3.6193% | 4,737 |
| Noninterest income to average assets | 0.2735% | 5,966 |
| Noninterest expense to average assets | 2.2459% | 6,527 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3439% | 1,202 |
| Return on assets (ROA) | 1.1865% | 1,663 |
| Pretax return on assets | 1.2481% | 2,263 |
| Return on Equity (ROE) | 10.3154% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.3154% | 778 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3684% | 5,801 |
| Assets per employee ($millions) | 3.6930% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 6,960 |
| Loan loss allowance to noncurrent loans | 84.8485% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 5,794 |
| Noncurrent loans to loans | 0.9802% | 5,345 |
| Net loans and leases to total assets | 58.1177% | 5,402 |
| Net loans and leases to deposits | 66.6164% | 5,730 |
| Net loans and leases to core deposits | 69.4302% | 5,925 |
| Total domestic deposits to total assets | 87.2423% | 2,410 |
| Equity capital to assets | 11.9841% | 2,106 |
| Core capital (leverage) ratio | 10.5648% | 2,570 |
| Tier 1 risk-based capital ratio | 16.5747% | 2,447 |
| Total risk-based capital ratio | 17.3302% | 2,596 |
| Memoranda: | ||
| Average total assets | $51,917,000 | 6,587 |
| Average earning assets | $48,572,330 | 6,526 |
| Average equity | $5,971,670 | 6,475 |
| Average total loans | $29,047,330 | 6,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0746% | 4,653 |
| Cost of funding earning assets | 1.5306% | 3,372 |
| Net interest margin | 3.5441% | 4,974 |
| Noninterest income to average assets | 0.2845% | 5,864 |
| Noninterest expense to average assets | 1.7992% | 7,461 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7135% | 599 |
| Return on assets (ROA) | 1.5762% | 840 |
| Pretax return on assets | 1.6684% | 1,123 |
| Return on Equity (ROE) | 13.9944% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.9944% | 509 |
| Net charge-offs to loans | 0.0281% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 275 |
| Efficiency ratio | 49.7872% | 7,333 |
| Assets per employee ($millions) | 3.7679% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,837 |
| Loan loss allowance to noncurrent loans | 116.2791% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 6,218 |
| Noncurrent loans to loans | 0.7739% | 5,780 |
| Net loans and leases to total assets | 52.1953% | 6,249 |
| Net loans and leases to deposits | 59.2439% | 6,536 |
| Net loans and leases to core deposits | 61.6792% | 6,621 |
| Total domestic deposits to total assets | 88.1024% | 2,003 |
| Equity capital to assets | 11.3498% | 2,468 |
| Core capital (leverage) ratio | 10.3286% | 2,779 |
| Tier 1 risk-based capital ratio | 17.3834% | 2,110 |
| Total risk-based capital ratio | 18.1844% | 2,235 |
| Memoranda: | ||
| Average total assets | $52,024,500 | 6,666 |
| Average earning assets | $48,870,500 | 6,596 |
| Average equity | $5,859,500 | 6,570 |
| Average total loans | $28,421,000 | 6,693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 3,701 |
| Cost of funding earning assets | 1.9182% | 3,361 |
| Net interest margin | 3.6621% | 4,300 |
| Noninterest income to average assets | 0.2966% | 5,986 |
| Noninterest expense to average assets | 2.8088% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8631% | 2,302 |
| Return on assets (ROA) | 0.6961% | 3,020 |
| Pretax return on assets | 0.7446% | 3,427 |
| Return on Equity (ROE) | 6.1684% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.5925% | 3,330 |
| Net charge-offs to loans | 0.0298% | 6,832 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 57.2500% | 463 |
| Efficiency ratio | 75.2432% | 3,663 |
| Assets per employee ($millions) | 3.6642% | 4,610 |
| Cash dividends to net income (ytd only)* | 57.9710% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,931 |
| Loan loss allowance to noncurrent loans | 213.5593% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 6,600 |
| Noncurrent loans to loans | 0.4061% | 6,467 |
| Net loans and leases to total assets | 56.1551% | 5,928 |
| Net loans and leases to deposits | 63.6352% | 6,313 |
| Net loans and leases to core deposits | 75.7481% | 6,416 |
| Total domestic deposits to total assets | 88.2454% | 1,860 |
| Equity capital to assets | 11.1737% | 2,555 |
| Core capital (leverage) ratio | 10.3549% | 2,730 |
| Tier 1 risk-based capital ratio | 16.0000% | 2,523 |
| Total risk-based capital ratio | 16.7724% | 2,657 |
| Memoranda: | ||
| Average total assets | $49,559,400 | 6,728 |
| Average earning assets | $46,503,000 | 6,666 |
| Average equity | $5,593,000 | 6,746 |
| Average total loans | $26,861,800 | 6,811 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 3,798 |
| Cost of funding earning assets | 1.9822% | 3,457 |
| Net interest margin | 3.6292% | 4,376 |
| Noninterest income to average assets | 0.2904% | 6,159 |
| Noninterest expense to average assets | 2.0790% | 7,226 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5405% | 744 |
| Return on assets (ROA) | 1.3652% | 1,149 |
| Pretax return on assets | 1.4358% | 1,605 |
| Return on Equity (ROE) | 12.0658% | 1,340 |
| Retained earnings to average equity (ytd only) | 9.6671% | 695 |
| Net charge-offs to loans | -0.0608% | 7,876 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1996% | 6,969 |
| Assets per employee ($millions) | 3.4956% | 4,939 |
| Cash dividends to net income (ytd only)* | 19.8807% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 6,573 |
| Loan loss allowance to noncurrent loans | 87.9870% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,648 |
| Noncurrent loans to loans | 1.0742% | 5,162 |
| Net loans and leases to total assets | 58.0355% | 5,885 |
| Net loans and leases to deposits | 66.6886% | 6,241 |
| Net loans and leases to core deposits | 79.0790% | 6,416 |
| Total domestic deposits to total assets | 87.0247% | 2,173 |
| Equity capital to assets | 12.2459% | 2,099 |
| Core capital (leverage) ratio | 10.9905% | 2,411 |
| Tier 1 risk-based capital ratio | 17.3152% | 2,178 |
| Total risk-based capital ratio | 18.1718% | 2,248 |
| Memoranda: | ||
| Average total assets | $49,124,500 | 6,798 |
| Average earning assets | $46,142,750 | 6,729 |
| Average equity | $5,558,250 | 6,826 |
| Average total loans | $26,312,500 | 6,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5087% | 4,576 |
| Cost of funding earning assets | 2.0382% | 3,582 |
| Net interest margin | 3.4705% | 4,934 |
| Noninterest income to average assets | 0.2521% | 6,478 |
| Noninterest expense to average assets | 1.9802% | 7,492 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4591% | 920 |
| Return on assets (ROA) | 1.2930% | 1,329 |
| Pretax return on assets | 1.3581% | 1,839 |
| Return on Equity (ROE) | 11.7488% | 1,496 |
| Retained earnings to average equity (ytd only) | 8.0542% | 1,191 |
| Net charge-offs to loans | -0.0862% | 7,928 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3657% | 7,072 |
| Assets per employee ($millions) | 3.6170% | 4,529 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,285 |
| Loan loss allowance to noncurrent loans | 97.4820% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 5,770 |
| Noncurrent loans to loans | 1.0210% | 5,172 |
| Net loans and leases to total assets | 53.2347% | 6,541 |
| Net loans and leases to deposits | 60.3281% | 6,860 |
| Net loans and leases to core deposits | 72.1373% | 6,888 |
| Total domestic deposits to total assets | 88.2420% | 1,652 |
| Equity capital to assets | 11.1122% | 2,825 |
| Core capital (leverage) ratio | 10.4835% | 2,825 |
| Tier 1 risk-based capital ratio | 17.0951% | 2,273 |
| Total risk-based capital ratio | 17.9704% | 2,338 |
| Memoranda: | ||
| Average total assets | $49,186,330 | 6,862 |
| Average earning assets | $46,217,670 | 6,791 |
| Average equity | $5,413,330 | 6,923 |
| Average total loans | $25,525,670 | 6,992 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 4,787 |
| Cost of funding earning assets | 2.0979% | 3,663 |
| Net interest margin | 3.4265% | 5,026 |
| Noninterest income to average assets | 0.2394% | 6,539 |
| Noninterest expense to average assets | 2.0058% | 7,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4065% | 1,125 |
| Return on assets (ROA) | 1.2876% | 1,507 |
| Pretax return on assets | 1.3454% | 2,134 |
| Return on Equity (ROE) | 11.7592% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.7592% | 835 |
| Net charge-offs to loans | -0.1945% | 8,006 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7197% | 6,742 |
| Assets per employee ($millions) | 3.5495% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 4,983 |
| Loan loss allowance to noncurrent loans | 124.7706% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 5,822 |
| Noncurrent loans to loans | 0.9386% | 5,118 |
| Net loans and leases to total assets | 46.1916% | 7,175 |
| Net loans and leases to deposits | 52.3813% | 7,375 |
| Net loans and leases to core deposits | 62.8911% | 7,357 |
| Total domestic deposits to total assets | 88.1834% | 1,656 |
| Equity capital to assets | 11.2229% | 2,792 |
| Core capital (leverage) ratio | 10.7756% | 2,678 |
| Tier 1 risk-based capital ratio | 18.8296% | 1,852 |
| Total risk-based capital ratio | 19.8085% | 1,873 |
| Memoranda: | ||
| Average total assets | $48,460,500 | 6,930 |
| Average earning assets | $45,761,000 | 6,847 |
| Average equity | $5,306,500 | 7,007 |
| Average total loans | $24,674,500 | 7,087 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3411% | 3,726 |
| Cost of funding earning assets | 2.6283% | 3,537 |
| Net interest margin | 3.7127% | 4,415 |
| Noninterest income to average assets | 0.2527% | 6,645 |
| Noninterest expense to average assets | 2.8477% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7907% | 3,475 |
| Return on assets (ROA) | 0.7109% | 3,676 |
| Pretax return on assets | 0.7772% | 4,149 |
| Return on Equity (ROE) | 6.6320% | 3,694 |
| Retained earnings to average equity (ytd only) | 2.6368% | 3,547 |
| Net charge-offs to loans | 0.2950% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 5.6111% | 3,585 |
| Efficiency ratio | 76.7013% | 3,118 |
| Assets per employee ($millions) | 3.3734% | 5,024 |
| Cash dividends to net income (ytd only)* | 60.2410% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,103 |
| Loan loss allowance to noncurrent loans | 329.1139% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 6,448 |
| Noncurrent loans to loans | 0.3024% | 6,472 |
| Net loans and leases to total assets | 54.7620% | 6,572 |
| Net loans and leases to deposits | 63.8798% | 6,808 |
| Net loans and leases to core deposits | 75.5455% | 6,887 |
| Total domestic deposits to total assets | 85.7267% | 2,526 |
| Equity capital to assets | 10.6632% | 3,327 |
| Core capital (leverage) ratio | 10.7367% | 2,789 |
| Tier 1 risk-based capital ratio | 16.8593% | 2,356 |
| Total risk-based capital ratio | 17.7231% | 2,428 |
| Memoranda: | ||
| Average total assets | $46,704,400 | 6,908 |
| Average earning assets | $43,525,800 | 6,874 |
| Average equity | $5,006,000 | 7,139 |
| Average total loans | $24,405,200 | 7,062 |