Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 1,967 |
| Cost of funding earning assets | 1.7823% | 1,277 |
| Net interest margin | 3.2706% | 2,704 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.6384% | 1,896 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 0.7803% | 2,934 |
| Return on assets (ROA) | 0.8200% | 2,786 |
| Pretax return on assets | 1.0417% | 2,558 |
| Return on Equity (ROE) | 8.2600% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.4568% | 3,139 |
| Net charge-offs to loans | -0.0328% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.1089% | 1,449 |
| Assets per employee ($millions) | 5.5977% | 3,164 |
| Cash dividends to net income (ytd only)* | 58.1633% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.2200% | 2,342 |
| Net loans and leases to deposits | 75.5408% | 2,497 |
| Net loans and leases to core deposits | 95.2780% | 1,695 |
| Total domestic deposits to total assets | 86.3300% | 1,903 |
| Equity capital to assets | 10.4521% | 1,746 |
| Core capital (leverage) ratio | 12.8124% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $71,709,000 | 4,098 |
| Average earning assets | $66,991,200 | 4,067 |
| Average equity | $7,116,400 | 4,034 |
| Average total loans | $45,675,400 | 3,905 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 2,006 |
| Cost of funding earning assets | 1.6036% | 1,365 |
| Net interest margin | 3.3211% | 2,636 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.7042% | 1,643 |
| Loan and lease loss provision to assets | -0.1200% | 4,555 |
| Net operating income to assets | 0.8057% | 3,007 |
| Return on assets (ROA) | 0.8529% | 2,834 |
| Pretax return on assets | 1.0824% | 2,620 |
| Return on Equity (ROE) | 8.7100% | 3,007 |
| Retained earnings to average equity (ytd only) | 2.1923% | 3,694 |
| Net charge-offs to loans | -0.0325% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0000% | 1,268 |
| Assets per employee ($millions) | 6.0849% | 2,669 |
| Cash dividends to net income (ytd only)* | 74.8359% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.0900% | 2,335 |
| Net loans and leases to deposits | 84.4555% | 1,702 |
| Net loans and leases to core deposits | 103.7049% | 1,134 |
| Total domestic deposits to total assets | 77.0700% | 3,920 |
| Equity capital to assets | 9.3756% | 2,183 |
| Core capital (leverage) ratio | 12.7487% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $71,443,750 | 4,116 |
| Average earning assets | $66,763,000 | 4,091 |
| Average equity | $6,994,000 | 4,046 |
| Average total loans | $45,107,250 | 3,923 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 2,002 |
| Cost of funding earning assets | 1.4175% | 1,400 |
| Net interest margin | 3.3778% | 2,577 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.7948% | 1,424 |
| Loan and lease loss provision to assets | -0.1900% | 4,606 |
| Net operating income to assets | 0.8465% | 2,935 |
| Return on assets (ROA) | 0.8799% | 2,815 |
| Pretax return on assets | 1.1083% | 2,623 |
| Return on Equity (ROE) | 8.8600% | 3,022 |
| Retained earnings to average equity (ytd only) | -0.8519% | 4,196 |
| Net charge-offs to loans | -0.0362% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.1137% | 1,168 |
| Assets per employee ($millions) | 5.1316% | 3,473 |
| Cash dividends to net income (ytd only)* | 109.6154% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,424 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.8900% | 2,491 |
| Net loans and leases to deposits | 74.6752% | 2,431 |
| Net loans and leases to core deposits | 91.6826% | 1,705 |
| Total domestic deposits to total assets | 84.2200% | 2,772 |
| Equity capital to assets | 9.7894% | 1,982 |
| Core capital (leverage) ratio | 12.7875% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $70,918,667 | 4,137 |
| Average earning assets | $66,316,000 | 4,112 |
| Average equity | $7,043,333 | 4,072 |
| Average total loans | $44,145,667 | 3,954 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 2,029 |
| Cost of funding earning assets | 1.2420% | 1,357 |
| Net interest margin | 3.3807% | 2,685 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.9408% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5904% | 3,708 |
| Return on assets (ROA) | 0.5904% | 3,675 |
| Pretax return on assets | 0.7153% | 3,627 |
| Return on Equity (ROE) | 5.9000% | 3,733 |
| Retained earnings to average equity (ytd only) | -13.5064% | 4,534 |
| Net charge-offs to loans | -0.0461% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.4348% | 794 |
| Assets per employee ($millions) | 5.0518% | 3,625 |
| Cash dividends to net income (ytd only)* | 328.8462% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,394 |
| Loan loss allowance to noncurrent loans | 3,362.5000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,575 |
| Noncurrent loans to loans | 0.0366% | 3,487 |
| Net loans and leases to total assets | 61.1100% | 2,546 |
| Net loans and leases to deposits | 70.2723% | 2,584 |
| Net loans and leases to core deposits | 88.8389% | 1,686 |
| Total domestic deposits to total assets | 86.9600% | 2,280 |
| Equity capital to assets | 9.9187% | 1,861 |
| Core capital (leverage) ratio | 12.9940% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $70,456,500 | 4,195 |
| Average earning assets | $66,022,500 | 4,171 |
| Average equity | $7,048,500 | 4,121 |
| Average total loans | $43,399,000 | 4,008 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 1,259 |
| Cost of funding earning assets | 0.5085% | 1,329 |
| Net interest margin | 3.6864% | 1,409 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.7073% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9647% | 2,701 |
| Return on assets (ROA) | 1.0722% | 2,229 |
| Pretax return on assets | 1.3908% | 1,795 |
| Return on Equity (ROE) | 10.2100% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.3291% | 3,291 |
| Net charge-offs to loans | 0.0620% | 1,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.3846% | 1,602 |
| Efficiency ratio | 68.3316% | 1,924 |
| Assets per employee ($millions) | 5.0134% | 3,670 |
| Cash dividends to net income (ytd only)* | 57.5916% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 60.5600% | 2,588 |
| Net loans and leases to deposits | 69.6877% | 2,607 |
| Net loans and leases to core deposits | 83.1901% | 1,920 |
| Total domestic deposits to total assets | 86.9000% | 2,421 |
| Equity capital to assets | 10.0900% | 1,669 |
| Core capital (leverage) ratio | 13.0071% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $71,253,000 | 4,223 |
| Average earning assets | $67,057,400 | 4,187 |
| Average equity | $7,484,200 | 4,151 |
| Average total loans | $41,902,400 | 4,029 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 1,095 |
| Cost of funding earning assets | 0.4351% | 1,071 |
| Net interest margin | 3.6468% | 1,281 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.7293% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9370% | 2,727 |
| Return on assets (ROA) | 0.9414% | 2,668 |
| Pretax return on assets | 1.2248% | 2,273 |
| Return on Equity (ROE) | 8.8800% | 3,070 |
| Retained earnings to average equity (ytd only) | 1.1426% | 4,191 |
| Net charge-offs to loans | 0.0897% | 684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 23.3571% | 1,653 |
| Efficiency ratio | 69.1218% | 1,874 |
| Assets per employee ($millions) | 4.9709% | 3,695 |
| Cash dividends to net income (ytd only)* | 87.1287% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,203 |
| Loan loss allowance to noncurrent loans | 1,104.1667% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 2,704 |
| Noncurrent loans to loans | 0.1144% | 3,074 |
| Net loans and leases to total assets | 59.5100% | 2,561 |
| Net loans and leases to deposits | 68.8113% | 2,473 |
| Net loans and leases to core deposits | 77.6509% | 2,062 |
| Total domestic deposits to total assets | 86.4800% | 2,929 |
| Equity capital to assets | 9.5974% | 1,828 |
| Core capital (leverage) ratio | 12.3943% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $71,519,250 | 4,251 |
| Average earning assets | $67,417,500 | 4,214 |
| Average equity | $7,584,750 | 4,183 |
| Average total loans | $41,618,250 | 4,059 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 1,070 |
| Cost of funding earning assets | 0.4221% | 795 |
| Net interest margin | 3.5025% | 1,305 |
| Noninterest income to average assets | 0.4961% | 2,224 |
| Noninterest expense to average assets | 2.8381% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7378% | 3,187 |
| Return on assets (ROA) | 0.7400% | 3,134 |
| Pretax return on assets | 0.9728% | 2,818 |
| Return on Equity (ROE) | 6.7709% | 3,372 |
| Retained earnings to average equity (ytd only) | -1.8512% | 4,370 |
| Net charge-offs to loans | 0.1397% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.0690% | 1,714 |
| Efficiency ratio | 74.5269% | 1,452 |
| Assets per employee ($millions) | 5.6013% | 3,128 |
| Cash dividends to net income (ytd only)* | 127.3408% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 2,257 |
| Loan loss allowance to noncurrent loans | 1,102.0833% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,840 |
| Noncurrent loans to loans | 0.1166% | 3,148 |
| Net loans and leases to total assets | 55.7933% | 2,776 |
| Net loans and leases to deposits | 63.6807% | 2,751 |
| Net loans and leases to core deposits | 66.6322% | 2,769 |
| Total domestic deposits to total assets | 87.6142% | 2,727 |
| Equity capital to assets | 9.6035% | 1,938 |
| Core capital (leverage) ratio | 12.6960% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,161,667 | 4,293 |
| Average earning assets | $68,236,000 | 4,263 |
| Average equity | $7,886,667 | 4,215 |
| Average total loans | $41,510,333 | 4,114 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 1,101 |
| Cost of funding earning assets | 0.4276% | 738 |
| Net interest margin | 3.3618% | 1,403 |
| Noninterest income to average assets | 0.4789% | 2,244 |
| Noninterest expense to average assets | 3.2909% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3007% | 4,143 |
| Return on assets (ROA) | 0.3007% | 4,116 |
| Pretax return on assets | 0.3842% | 4,062 |
| Return on Equity (ROE) | 2.5919% | 4,166 |
| Retained earnings to average equity (ytd only) | -13.7277% | 4,630 |
| Net charge-offs to loans | 0.3262% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.0294% | 1,719 |
| Efficiency ratio | 89.5455% | 570 |
| Assets per employee ($millions) | 6.0455% | 2,766 |
| Cash dividends to net income (ytd only)* | 629.6296% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,447 |
| Loan loss allowance to noncurrent loans | 1,093.7500% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,944 |
| Noncurrent loans to loans | 0.1172% | 3,241 |
| Net loans and leases to total assets | 55.7495% | 2,553 |
| Net loans and leases to deposits | 64.3777% | 2,491 |
| Net loans and leases to core deposits | 67.4753% | 2,496 |
| Total domestic deposits to total assets | 86.5975% | 3,075 |
| Equity capital to assets | 10.6277% | 1,533 |
| Core capital (leverage) ratio | 12.1215% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,834,000 | 4,319 |
| Average earning assets | $68,296,000 | 4,287 |
| Average equity | $8,333,500 | 4,233 |
| Average total loans | $41,687,500 | 4,127 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 886 |
| Cost of funding earning assets | 0.4512% | 1,193 |
| Net interest margin | 3.8213% | 964 |
| Noninterest income to average assets | 0.5084% | 2,523 |
| Noninterest expense to average assets | 2.3383% | 2,690 |
| Loan and lease loss provision to assets | 0.0014% | 3,043 |
| Net operating income to assets | 1.3930% | 1,300 |
| Return on assets (ROA) | 1.3975% | 1,341 |
| Pretax return on assets | 1.8112% | 893 |
| Return on Equity (ROE) | 11.2423% | 2,079 |
| Retained earnings to average equity (ytd only) | 11.2423% | 661 |
| Net charge-offs to loans | -0.1467% | 4,662 |
| Credit loss provision to net charge-offs | -1.7241% | 3,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4103% | 3,655 |
| Assets per employee ($millions) | 4.4451% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.8397% | 2,289 |
| Net loans and leases to deposits | 69.6434% | 2,167 |
| Net loans and leases to core deposits | 75.7951% | 1,938 |
| Total domestic deposits to total assets | 84.4872% | 3,427 |
| Equity capital to assets | 12.5939% | 1,032 |
| Core capital (leverage) ratio | 12.7723% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,623,800 | 4,345 |
| Average earning assets | $66,261,000 | 4,310 |
| Average equity | $8,654,800 | 4,270 |
| Average total loans | $39,535,800 | 4,200 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 895 |
| Cost of funding earning assets | 0.4554% | 1,318 |
| Net interest margin | 3.8879% | 961 |
| Noninterest income to average assets | 0.5064% | 2,598 |
| Noninterest expense to average assets | 2.3181% | 2,697 |
| Loan and lease loss provision to assets | 0.0014% | 2,941 |
| Net operating income to assets | 1.4553% | 1,379 |
| Return on assets (ROA) | 1.4614% | 1,413 |
| Pretax return on assets | 1.8926% | 964 |
| Return on Equity (ROE) | 11.7956% | 2,120 |
| Retained earnings to average equity (ytd only) | 11.7956% | 879 |
| Net charge-offs to loans | -0.1923% | 4,767 |
| Credit loss provision to net charge-offs | -1.7857% | 3,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1282% | 3,641 |
| Assets per employee ($millions) | 5.4642% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,288 |
| Loan loss allowance to noncurrent loans | 529.5238% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,124 |
| Noncurrent loans to loans | 0.2527% | 2,924 |
| Net loans and leases to total assets | 57.7202% | 2,534 |
| Net loans and leases to deposits | 69.9688% | 2,251 |
| Net loans and leases to core deposits | 76.3178% | 2,016 |
| Total domestic deposits to total assets | 82.4943% | 3,826 |
| Equity capital to assets | 12.5588% | 1,151 |
| Core capital (leverage) ratio | 12.6345% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,249,250 | 4,404 |
| Average earning assets | $65,878,000 | 4,369 |
| Average equity | $8,579,250 | 4,344 |
| Average total loans | $38,818,250 | 4,278 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 658 |
| Cost of funding earning assets | 0.4658% | 1,412 |
| Net interest margin | 4.1001% | 694 |
| Noninterest income to average assets | 0.4836% | 2,697 |
| Noninterest expense to average assets | 2.3655% | 2,566 |
| Loan and lease loss provision to assets | 0.0029% | 2,821 |
| Net operating income to assets | 1.5568% | 1,153 |
| Return on assets (ROA) | 1.5614% | 1,204 |
| Pretax return on assets | 2.0188% | 809 |
| Return on Equity (ROE) | 12.6634% | 1,832 |
| Retained earnings to average equity (ytd only) | 12.6634% | 779 |
| Net charge-offs to loans | -0.2796% | 4,831 |
| Credit loss provision to net charge-offs | -1.8868% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9894% | 3,809 |
| Assets per employee ($millions) | 5.4068% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,695 |
| Loan loss allowance to noncurrent loans | 418.9394% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 3,018 |
| Noncurrent loans to loans | 0.3502% | 2,650 |
| Net loans and leases to total assets | 52.8376% | 3,271 |
| Net loans and leases to deposits | 61.5710% | 3,240 |
| Net loans and leases to core deposits | 64.6447% | 3,229 |
| Total domestic deposits to total assets | 85.8157% | 2,795 |
| Equity capital to assets | 12.3718% | 1,191 |
| Core capital (leverage) ratio | 12.6315% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,654,333 | 4,439 |
| Average earning assets | $65,266,667 | 4,402 |
| Average equity | $8,465,333 | 4,372 |
| Average total loans | $37,905,333 | 4,322 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8284% | 2,017 |
| Cost of funding earning assets | 0.4716% | 1,584 |
| Net interest margin | 3.3568% | 2,228 |
| Noninterest income to average assets | 0.4717% | 2,741 |
| Noninterest expense to average assets | 2.4176% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9788% | 2,874 |
| Return on assets (ROA) | 0.9788% | 2,969 |
| Pretax return on assets | 1.2442% | 2,720 |
| Return on Equity (ROE) | 7.9521% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.9521% | 2,256 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0225% | 2,232 |
| Assets per employee ($millions) | 4.6648% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,293 |
| Loan loss allowance to noncurrent loans | 364.2336% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,610 |
| Noncurrent loans to loans | 0.3654% | 2,776 |
| Net loans and leases to total assets | 52.8683% | 3,364 |
| Net loans and leases to deposits | 61.2366% | 3,389 |
| Net loans and leases to core deposits | 64.2786% | 3,386 |
| Total domestic deposits to total assets | 86.3345% | 2,611 |
| Equity capital to assets | 11.8719% | 1,348 |
| Core capital (leverage) ratio | 12.0862% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,837,000 | 4,464 |
| Average earning assets | $64,466,000 | 4,430 |
| Average equity | $8,350,000 | 4,400 |
| Average total loans | $38,012,000 | 4,341 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,437 |
| Cost of funding earning assets | 0.6353% | 2,086 |
| Net interest margin | 3.8151% | 1,456 |
| Noninterest income to average assets | 0.5354% | 2,483 |
| Noninterest expense to average assets | 2.7046% | 2,227 |
| Loan and lease loss provision to assets | 0.0049% | 4,287 |
| Net operating income to assets | 1.0864% | 1,969 |
| Return on assets (ROA) | 1.0903% | 2,082 |
| Pretax return on assets | 1.4359% | 1,554 |
| Return on Equity (ROE) | 8.2369% | 2,719 |
| Retained earnings to average equity (ytd only) | 4.0081% | 2,816 |
| Net charge-offs to loans | -0.0296% | 4,528 |
| Credit loss provision to net charge-offs | -27.2727% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3213% | 2,632 |
| Assets per employee ($millions) | 4.6930% | 3,726 |
| Cash dividends to net income (ytd only)* | 51.3393% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,436 |
| Loan loss allowance to noncurrent loans | 353.9007% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,643 |
| Noncurrent loans to loans | 0.3659% | 2,890 |
| Net loans and leases to total assets | 57.8871% | 3,094 |
| Net loans and leases to deposits | 67.9464% | 3,081 |
| Net loans and leases to core deposits | 72.8965% | 3,006 |
| Total domestic deposits to total assets | 85.1953% | 2,684 |
| Equity capital to assets | 12.7743% | 1,190 |
| Core capital (leverage) ratio | 12.6109% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,635,200 | 4,492 |
| Average earning assets | $58,242,800 | 4,464 |
| Average equity | $8,158,400 | 4,406 |
| Average total loans | $37,213,800 | 4,371 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,361 |
| Cost of funding earning assets | 0.6546% | 2,303 |
| Net interest margin | 3.9274% | 1,289 |
| Noninterest income to average assets | 0.5367% | 2,438 |
| Noninterest expense to average assets | 2.7868% | 2,006 |
| Loan and lease loss provision to assets | 0.0016% | 4,229 |
| Net operating income to assets | 1.0963% | 1,995 |
| Return on assets (ROA) | 1.0997% | 2,108 |
| Pretax return on assets | 1.4605% | 1,543 |
| Return on Equity (ROE) | 8.2305% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.3169% | 2,422 |
| Net charge-offs to loans | -0.0361% | 4,592 |
| Credit loss provision to net charge-offs | -10.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6477% | 2,513 |
| Assets per employee ($millions) | 4.4782% | 3,871 |
| Cash dividends to net income (ytd only)* | 35.4000% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,085 |
| Loan loss allowance to noncurrent loans | 339.7260% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 2,699 |
| Noncurrent loans to loans | 0.3880% | 2,901 |
| Net loans and leases to total assets | 59.2328% | 3,299 |
| Net loans and leases to deposits | 69.9320% | 3,322 |
| Net loans and leases to core deposits | 78.5166% | 2,968 |
| Total domestic deposits to total assets | 84.7005% | 2,552 |
| Equity capital to assets | 13.4381% | 1,017 |
| Core capital (leverage) ratio | 12.7168% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,618,500 | 4,523 |
| Average earning assets | $57,237,250 | 4,495 |
| Average equity | $8,099,750 | 4,427 |
| Average total loans | $36,884,250 | 4,399 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 1,294 |
| Cost of funding earning assets | 0.6651% | 2,589 |
| Net interest margin | 4.0791% | 1,159 |
| Noninterest income to average assets | 0.5507% | 2,348 |
| Noninterest expense to average assets | 2.8468% | 1,984 |
| Loan and lease loss provision to assets | 0.0033% | 4,119 |
| Net operating income to assets | 1.1347% | 1,864 |
| Return on assets (ROA) | 1.1347% | 1,979 |
| Pretax return on assets | 1.5486% | 1,345 |
| Return on Equity (ROE) | 8.5092% | 2,554 |
| Retained earnings to average equity (ytd only) | 4.0794% | 2,864 |
| Net charge-offs to loans | -0.0382% | 4,612 |
| Credit loss provision to net charge-offs | -14.2857% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7193% | 2,711 |
| Assets per employee ($millions) | 3.9906% | 4,324 |
| Cash dividends to net income (ytd only)* | 52.0588% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,898 |
| Loan loss allowance to noncurrent loans | 324.3421% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 2,837 |
| Noncurrent loans to loans | 0.4079% | 2,946 |
| Net loans and leases to total assets | 57.5959% | 3,548 |
| Net loans and leases to deposits | 67.5974% | 3,601 |
| Net loans and leases to core deposits | 75.6765% | 3,309 |
| Total domestic deposits to total assets | 85.2044% | 2,307 |
| Equity capital to assets | 12.9789% | 1,173 |
| Core capital (leverage) ratio | 12.7870% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,926,333 | 4,543 |
| Average earning assets | $56,532,000 | 4,522 |
| Average equity | $7,991,333 | 4,455 |
| Average total loans | $36,635,000 | 4,413 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 1,341 |
| Cost of funding earning assets | 0.6968% | 2,941 |
| Net interest margin | 4.1369% | 1,061 |
| Noninterest income to average assets | 0.5314% | 2,382 |
| Noninterest expense to average assets | 3.0846% | 1,677 |
| Loan and lease loss provision to assets | 0.0069% | 3,667 |
| Net operating income to assets | 1.0891% | 1,879 |
| Return on assets (ROA) | 1.0834% | 1,998 |
| Pretax return on assets | 1.3249% | 1,799 |
| Return on Equity (ROE) | 8.0066% | 2,518 |
| Retained earnings to average equity (ytd only) | -1.0200% | 4,146 |
| Net charge-offs to loans | -0.0330% | 4,502 |
| Credit loss provision to net charge-offs | -33.3333% | 3,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7348% | 2,396 |
| Assets per employee ($millions) | 3.6014% | 4,385 |
| Cash dividends to net income (ytd only)* | 112.7389% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,891 |
| Loan loss allowance to noncurrent loans | 311.4650% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 2,804 |
| Noncurrent loans to loans | 0.4347% | 2,946 |
| Net loans and leases to total assets | 61.8225% | 3,319 |
| Net loans and leases to deposits | 73.1679% | 3,344 |
| Net loans and leases to core deposits | 83.0629% | 2,930 |
| Total domestic deposits to total assets | 84.4940% | 2,601 |
| Equity capital to assets | 13.6161% | 1,174 |
| Core capital (leverage) ratio | 13.2795% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8774% | 570 |
| Memoranda: | ||
| Average total assets | $57,964,500 | 4,582 |
| Average earning assets | $54,534,000 | 4,566 |
| Average equity | $7,843,500 | 4,500 |
| Average total loans | $36,318,500 | 4,445 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 1,031 |
| Cost of funding earning assets | 0.7528% | 2,900 |
| Net interest margin | 4.4295% | 843 |
| Noninterest income to average assets | 0.4869% | 2,822 |
| Noninterest expense to average assets | 2.9338% | 2,190 |
| Loan and lease loss provision to assets | 0.0870% | 2,279 |
| Net operating income to assets | 1.2883% | 1,737 |
| Return on assets (ROA) | 1.3426% | 1,613 |
| Pretax return on assets | 1.6886% | 1,219 |
| Return on Equity (ROE) | 10.5867% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.5867% | 389 |
| Net charge-offs to loans | 0.0713% | 2,078 |
| Credit loss provision to net charge-offs | 192.3077% | 1,378 |
| Earnings coverage of net charge-offs (x) | 37.7692% | 1,367 |
| Efficiency ratio | 63.2072% | 3,192 |
| Assets per employee ($millions) | 3.6441% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 1,803 |
| Loan loss allowance to noncurrent loans | 1,310.8108% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 3,656 |
| Noncurrent loans to loans | 0.1013% | 4,119 |
| Net loans and leases to total assets | 61.8101% | 3,419 |
| Net loans and leases to deposits | 72.9564% | 3,441 |
| Net loans and leases to core deposits | 82.6469% | 3,074 |
| Total domestic deposits to total assets | 84.7220% | 2,598 |
| Equity capital to assets | 13.4480% | 1,301 |
| Core capital (leverage) ratio | 13.5998% | 1,024 |
| Tier 1 risk-based capital ratio | 21.3757% | 1,104 |
| Total risk-based capital ratio | 22.6265% | 1,083 |
| Memoranda: | ||
| Average total assets | $57,502,200 | 4,627 |
| Average earning assets | $53,933,600 | 4,614 |
| Average equity | $7,292,200 | 4,605 |
| Average total loans | $36,480,400 | 4,489 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 1,236 |
| Cost of funding earning assets | 0.7574% | 2,931 |
| Net interest margin | 4.3654% | 1,021 |
| Noninterest income to average assets | 0.4467% | 3,039 |
| Noninterest expense to average assets | 3.0086% | 1,954 |
| Loan and lease loss provision to assets | 0.1140% | 1,705 |
| Net operating income to assets | 1.1162% | 2,511 |
| Return on assets (ROA) | 1.0959% | 2,680 |
| Pretax return on assets | 1.3891% | 2,350 |
| Return on Equity (ROE) | 8.7768% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.7768% | 1,106 |
| Net charge-offs to loans | 0.1060% | 1,402 |
| Credit loss provision to net charge-offs | 168.9655% | 1,497 |
| Earnings coverage of net charge-offs (x) | 22.6527% | 1,860 |
| Efficiency ratio | 66.3077% | 2,686 |
| Assets per employee ($millions) | 3.5710% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,099 |
| Loan loss allowance to noncurrent loans | 1,374.2857% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,758 |
| Noncurrent loans to loans | 0.0927% | 4,232 |
| Net loans and leases to total assets | 65.2618% | 3,149 |
| Net loans and leases to deposits | 76.9126% | 3,207 |
| Net loans and leases to core deposits | 87.3317% | 2,798 |
| Total domestic deposits to total assets | 84.8519% | 2,476 |
| Equity capital to assets | 13.2193% | 1,503 |
| Core capital (leverage) ratio | 12.9564% | 1,360 |
| Tier 1 risk-based capital ratio | 20.2388% | 1,332 |
| Total risk-based capital ratio | 21.4904% | 1,299 |
| Memoranda: | ||
| Average total assets | $57,301,250 | 4,698 |
| Average earning assets | $53,693,250 | 4,682 |
| Average equity | $7,155,000 | 4,677 |
| Average total loans | $36,469,500 | 4,549 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0550% | 1,338 |
| Cost of funding earning assets | 0.7508% | 2,889 |
| Net interest margin | 4.3042% | 1,133 |
| Noninterest income to average assets | 0.5649% | 2,315 |
| Noninterest expense to average assets | 3.0406% | 1,884 |
| Loan and lease loss provision to assets | 0.1743% | 1,034 |
| Net operating income to assets | 1.1260% | 2,421 |
| Return on assets (ROA) | 1.0949% | 2,613 |
| Pretax return on assets | 1.3495% | 2,382 |
| Return on Equity (ROE) | 8.9429% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.9429% | 1,043 |
| Net charge-offs to loans | 0.1998% | 824 |
| Credit loss provision to net charge-offs | 138.8889% | 1,576 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 2,155 |
| Efficiency ratio | 66.0606% | 2,798 |
| Assets per employee ($millions) | 3.3887% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,083 |
| Loan loss allowance to noncurrent loans | 392.5620% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,047 |
| Noncurrent loans to loans | 0.3270% | 3,360 |
| Net loans and leases to total assets | 63.4165% | 3,406 |
| Net loans and leases to deposits | 74.1862% | 3,501 |
| Net loans and leases to core deposits | 85.0218% | 3,029 |
| Total domestic deposits to total assets | 85.4829% | 2,270 |
| Equity capital to assets | 12.7500% | 1,724 |
| Core capital (leverage) ratio | 12.6988% | 1,441 |
| Tier 1 risk-based capital ratio | 20.0321% | 1,347 |
| Total risk-based capital ratio | 21.2839% | 1,319 |
| Memoranda: | ||
| Average total assets | $57,356,330 | 4,734 |
| Average earning assets | $53,808,000 | 4,716 |
| Average equity | $7,022,330 | 4,723 |
| Average total loans | $36,036,330 | 4,589 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 1,190 |
| Cost of funding earning assets | 0.7370% | 2,849 |
| Net interest margin | 4.3252% | 1,052 |
| Noninterest income to average assets | 0.5032% | 2,536 |
| Noninterest expense to average assets | 3.2430% | 1,402 |
| Loan and lease loss provision to assets | 0.3425% | 353 |
| Net operating income to assets | 0.8108% | 3,576 |
| Return on assets (ROA) | 0.8108% | 3,615 |
| Pretax return on assets | 0.9785% | 3,515 |
| Return on Equity (ROE) | 6.7629% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.7629% | 2,131 |
| Net charge-offs to loans | 0.4051% | 381 |
| Credit loss provision to net charge-offs | 136.1111% | 1,322 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 2,267 |
| Efficiency ratio | 71.0567% | 2,177 |
| Assets per employee ($millions) | 3.3636% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,936 |
| Loan loss allowance to noncurrent loans | 192.6829% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,146 |
| Noncurrent loans to loans | 0.6930% | 2,287 |
| Net loans and leases to total assets | 61.2546% | 3,572 |
| Net loans and leases to deposits | 71.1751% | 3,669 |
| Net loans and leases to core deposits | 81.5658% | 3,220 |
| Total domestic deposits to total assets | 86.0618% | 2,254 |
| Equity capital to assets | 12.2208% | 1,897 |
| Core capital (leverage) ratio | 12.2471% | 1,636 |
| Tier 1 risk-based capital ratio | 20.3627% | 1,270 |
| Total risk-based capital ratio | 21.6130% | 1,244 |
| Memoranda: | ||
| Average total assets | $57,230,500 | 4,790 |
| Average earning assets | $53,731,500 | 4,768 |
| Average equity | $6,861,000 | 4,779 |
| Average total loans | $35,550,500 | 4,650 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,569 |
| Cost of funding earning assets | 0.6697% | 2,269 |
| Net interest margin | 4.1195% | 1,621 |
| Noninterest income to average assets | 0.5425% | 2,593 |
| Noninterest expense to average assets | 2.7886% | 2,729 |
| Loan and lease loss provision to assets | 0.0347% | 3,504 |
| Net operating income to assets | 1.1941% | 2,201 |
| Return on assets (ROA) | 1.1941% | 2,199 |
| Pretax return on assets | 1.5997% | 1,472 |
| Return on Equity (ROE) | 10.7757% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.2909% | 575 |
| Net charge-offs to loans | 0.1382% | 1,376 |
| Credit loss provision to net charge-offs | 40.0000% | 3,283 |
| Earnings coverage of net charge-offs (x) | 18.8600% | 2,107 |
| Efficiency ratio | 63.0486% | 3,335 |
| Assets per employee ($millions) | 3.1822% | 4,854 |
| Cash dividends to net income (ytd only)* | 4.4993% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,062 |
| Loan loss allowance to noncurrent loans | 217.4528% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,748 |
| Noncurrent loans to loans | 0.5955% | 2,501 |
| Net loans and leases to total assets | 61.3478% | 3,624 |
| Net loans and leases to deposits | 70.9183% | 3,753 |
| Net loans and leases to core deposits | 83.5612% | 3,131 |
| Total domestic deposits to total assets | 86.5049% | 2,016 |
| Equity capital to assets | 11.7563% | 2,062 |
| Core capital (leverage) ratio | 11.9885% | 1,738 |
| Tier 1 risk-based capital ratio | 19.8580% | 1,331 |
| Total risk-based capital ratio | 21.1093% | 1,304 |
| Memoranda: | ||
| Average total assets | $57,698,200 | 4,805 |
| Average earning assets | $54,350,800 | 4,777 |
| Average equity | $6,394,000 | 4,842 |
| Average total loans | $36,171,200 | 4,655 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 1,654 |
| Cost of funding earning assets | 0.6436% | 2,183 |
| Net interest margin | 4.0644% | 1,741 |
| Noninterest income to average assets | 0.5236% | 2,721 |
| Noninterest expense to average assets | 2.7933% | 2,656 |
| Loan and lease loss provision to assets | 0.0023% | 3,921 |
| Net operating income to assets | 1.1510% | 2,431 |
| Return on assets (ROA) | 1.1510% | 2,442 |
| Pretax return on assets | 1.5593% | 1,708 |
| Return on Equity (ROE) | 10.5456% | 2,377 |
| Retained earnings to average equity (ytd only) | 10.5456% | 757 |
| Net charge-offs to loans | -0.0661% | 5,036 |
| Credit loss provision to net charge-offs | -5.5556% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1419% | 3,156 |
| Assets per employee ($millions) | 3.6106% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,823 |
| Loan loss allowance to noncurrent loans | 395.3488% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 3,828 |
| Noncurrent loans to loans | 0.3459% | 3,417 |
| Net loans and leases to total assets | 63.6778% | 3,468 |
| Net loans and leases to deposits | 76.3718% | 3,385 |
| Net loans and leases to core deposits | 90.2436% | 2,641 |
| Total domestic deposits to total assets | 83.3786% | 3,172 |
| Equity capital to assets | 11.2275% | 2,451 |
| Core capital (leverage) ratio | 11.7137% | 2,001 |
| Tier 1 risk-based capital ratio | 18.8605% | 1,569 |
| Total risk-based capital ratio | 20.1130% | 1,542 |
| Memoranda: | ||
| Average total assets | $57,802,750 | 4,852 |
| Average earning assets | $54,487,750 | 4,831 |
| Average equity | $6,309,000 | 4,903 |
| Average total loans | $36,313,750 | 4,697 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5751% | 1,858 |
| Cost of funding earning assets | 0.6049% | 2,198 |
| Net interest margin | 3.9703% | 1,959 |
| Noninterest income to average assets | 0.5016% | 2,858 |
| Noninterest expense to average assets | 2.7848% | 2,705 |
| Loan and lease loss provision to assets | 0.0035% | 3,746 |
| Net operating income to assets | 1.0309% | 2,889 |
| Return on assets (ROA) | 1.0309% | 2,890 |
| Pretax return on assets | 1.4599% | 1,957 |
| Return on Equity (ROE) | 9.5360% | 2,783 |
| Retained earnings to average equity (ytd only) | 9.5360% | 1,061 |
| Net charge-offs to loans | -0.0278% | 4,715 |
| Credit loss provision to net charge-offs | -20.0000% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5537% | 3,052 |
| Assets per employee ($millions) | 3.2194% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,814 |
| Loan loss allowance to noncurrent loans | 379.3893% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,875 |
| Noncurrent loans to loans | 0.3644% | 3,391 |
| Net loans and leases to total assets | 61.1797% | 3,687 |
| Net loans and leases to deposits | 69.9463% | 3,863 |
| Net loans and leases to core deposits | 82.5371% | 3,200 |
| Total domestic deposits to total assets | 87.4666% | 1,659 |
| Equity capital to assets | 10.9338% | 2,698 |
| Core capital (leverage) ratio | 11.4358% | 2,126 |
| Tier 1 risk-based capital ratio | 18.8953% | 1,575 |
| Total risk-based capital ratio | 20.1483% | 1,536 |
| Memoranda: | ||
| Average total assets | $57,814,000 | 4,909 |
| Average earning assets | $54,555,670 | 4,886 |
| Average equity | $6,250,000 | 4,963 |
| Average total loans | $35,986,330 | 4,753 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 1,720 |
| Cost of funding earning assets | 0.5796% | 2,176 |
| Net interest margin | 3.9688% | 1,819 |
| Noninterest income to average assets | 0.4918% | 2,856 |
| Noninterest expense to average assets | 2.8469% | 2,544 |
| Loan and lease loss provision to assets | 0.0069% | 3,417 |
| Net operating income to assets | 0.8936% | 3,324 |
| Return on assets (ROA) | 0.8936% | 3,333 |
| Pretax return on assets | 1.3854% | 2,064 |
| Return on Equity (ROE) | 8.3132% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.3132% | 1,724 |
| Net charge-offs to loans | -0.0333% | 4,785 |
| Credit loss provision to net charge-offs | -33.3333% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1569% | 2,979 |
| Assets per employee ($millions) | 3.2224% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,881 |
| Loan loss allowance to noncurrent loans | 369.4030% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,463 |
| Noncurrent loans to loans | 0.3762% | 3,437 |
| Net loans and leases to total assets | 60.5520% | 3,696 |
| Net loans and leases to deposits | 69.0033% | 3,874 |
| Net loans and leases to core deposits | 80.4278% | 3,289 |
| Total domestic deposits to total assets | 87.7524% | 1,760 |
| Equity capital to assets | 10.7012% | 2,868 |
| Core capital (leverage) ratio | 11.1562% | 2,275 |
| Tier 1 risk-based capital ratio | 18.7151% | 1,626 |
| Total risk-based capital ratio | 19.9684% | 1,585 |
| Memoranda: | ||
| Average total assets | $57,746,500 | 4,968 |
| Average earning assets | $54,525,000 | 4,944 |
| Average equity | $6,207,000 | 5,023 |
| Average total loans | $36,004,500 | 4,798 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,896 |
| Cost of funding earning assets | 0.6865% | 1,099 |
| Net interest margin | 3.7577% | 2,570 |
| Noninterest income to average assets | 0.8560% | 1,392 |
| Noninterest expense to average assets | 2.6950% | 3,138 |
| Loan and lease loss provision to assets | 0.0271% | 3,746 |
| Net operating income to assets | 0.9103% | 2,656 |
| Return on assets (ROA) | 0.9135% | 2,668 |
| Pretax return on assets | 1.6765% | 1,071 |
| Return on Equity (ROE) | 9.0189% | 2,310 |
| Retained earnings to average equity (ytd only) | 8.5012% | 620 |
| Net charge-offs to loans | 0.0851% | 2,245 |
| Credit loss provision to net charge-offs | 51.6129% | 3,312 |
| Earnings coverage of net charge-offs (x) | 32.3871% | 1,465 |
| Efficiency ratio | 61.3400% | 4,045 |
| Assets per employee ($millions) | 3.1939% | 5,036 |
| Cash dividends to net income (ytd only)* | 5.7407% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,974 |
| Loan loss allowance to noncurrent loans | 361.0294% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 2,496 |
| Noncurrent loans to loans | 0.3737% | 3,422 |
| Net loans and leases to total assets | 62.4474% | 3,563 |
| Net loans and leases to deposits | 71.2604% | 3,766 |
| Net loans and leases to core deposits | 79.5044% | 3,456 |
| Total domestic deposits to total assets | 87.6326% | 1,682 |
| Equity capital to assets | 10.7967% | 2,840 |
| Core capital (leverage) ratio | 10.9059% | 2,421 |
| Tier 1 risk-based capital ratio | 18.1290% | 1,768 |
| Total risk-based capital ratio | 19.3825% | 1,719 |
| Memoranda: | ||
| Average total assets | $59,110,400 | 4,977 |
| Average earning assets | $55,645,200 | 4,963 |
| Average equity | $5,987,400 | 5,103 |
| Average total loans | $36,412,000 | 4,835 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 1,972 |
| Cost of funding earning assets | 0.6856% | 1,037 |
| Net interest margin | 3.7111% | 2,711 |
| Noninterest income to average assets | 0.5892% | 2,543 |
| Noninterest expense to average assets | 2.6726% | 3,152 |
| Loan and lease loss provision to assets | 0.0134% | 3,880 |
| Net operating income to assets | 0.8395% | 3,328 |
| Return on assets (ROA) | 0.8423% | 3,361 |
| Pretax return on assets | 1.4002% | 2,117 |
| Return on Equity (ROE) | 8.4504% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.4504% | 1,036 |
| Net charge-offs to loans | 0.2343% | 917 |
| Credit loss provision to net charge-offs | 9.3750% | 3,231 |
| Earnings coverage of net charge-offs (x) | 9.8283% | 2,657 |
| Efficiency ratio | 65.4775% | 3,293 |
| Assets per employee ($millions) | 3.6366% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,829 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5792% | 2,782 |
| Noncurrent loans to loans | 0.3800% | 3,587 |
| Net loans and leases to total assets | 62.5494% | 3,596 |
| Net loans and leases to deposits | 75.5804% | 3,412 |
| Net loans and leases to core deposits | 81.9117% | 3,294 |
| Total domestic deposits to total assets | 82.7587% | 3,534 |
| Equity capital to assets | 10.5850% | 3,273 |
| Core capital (leverage) ratio | 10.5458% | 2,936 |
| Tier 1 risk-based capital ratio | 17.4317% | 2,027 |
| Total risk-based capital ratio | 18.6823% | 1,974 |
| Memoranda: | ||
| Average total assets | $59,515,500 | 5,031 |
| Average earning assets | $56,010,250 | 5,004 |
| Average equity | $5,932,500 | 5,167 |
| Average total loans | $36,417,000 | 4,882 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 1,931 |
| Cost of funding earning assets | 0.6754% | 1,015 |
| Net interest margin | 3.6884% | 2,691 |
| Noninterest income to average assets | 0.5671% | 2,623 |
| Noninterest expense to average assets | 2.6085% | 3,408 |
| Loan and lease loss provision to assets | 0.0200% | 3,578 |
| Net operating income to assets | 0.7917% | 3,431 |
| Return on assets (ROA) | 0.7939% | 3,482 |
| Pretax return on assets | 1.4210% | 1,935 |
| Return on Equity (ROE) | 8.1270% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.1270% | 1,113 |
| Net charge-offs to loans | 0.0441% | 2,319 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 53.8750% | 1,019 |
| Efficiency ratio | 64.4683% | 3,594 |
| Assets per employee ($millions) | 3.4915% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,092 |
| Loan loss allowance to noncurrent loans | 200.7968% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,418 |
| Noncurrent loans to loans | 0.6805% | 2,714 |
| Net loans and leases to total assets | 61.2895% | 3,712 |
| Net loans and leases to deposits | 73.5598% | 3,591 |
| Net loans and leases to core deposits | 80.4169% | 3,389 |
| Total domestic deposits to total assets | 83.3193% | 3,462 |
| Equity capital to assets | 10.1742% | 3,704 |
| Core capital (leverage) ratio | 10.0273% | 3,505 |
| Tier 1 risk-based capital ratio | 16.4107% | 2,354 |
| Total risk-based capital ratio | 17.6619% | 2,303 |
| Memoranda: | ||
| Average total assets | $59,958,670 | 5,055 |
| Average earning assets | $56,555,330 | 5,031 |
| Average equity | $5,857,000 | 5,213 |
| Average total loans | $36,275,000 | 4,923 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 1,977 |
| Cost of funding earning assets | 0.6683% | 985 |
| Net interest margin | 3.6231% | 2,809 |
| Noninterest income to average assets | 0.5775% | 2,528 |
| Noninterest expense to average assets | 2.4959% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9957% | 2,325 |
| Return on assets (ROA) | 0.9957% | 2,377 |
| Pretax return on assets | 1.5002% | 1,530 |
| Return on Equity (ROE) | 10.4058% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.4058% | 730 |
| Net charge-offs to loans | -0.0111% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4585% | 4,082 |
| Assets per employee ($millions) | 3.5719% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,998 |
| Loan loss allowance to noncurrent loans | 231.5068% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 3,285 |
| Noncurrent loans to loans | 0.6130% | 2,987 |
| Net loans and leases to total assets | 58.0020% | 3,976 |
| Net loans and leases to deposits | 69.0426% | 3,890 |
| Net loans and leases to core deposits | 75.0847% | 3,735 |
| Total domestic deposits to total assets | 84.0091% | 3,476 |
| Equity capital to assets | 9.6637% | 4,108 |
| Core capital (leverage) ratio | 9.8433% | 3,701 |
| Tier 1 risk-based capital ratio | 16.6671% | 2,294 |
| Total risk-based capital ratio | 17.9201% | 2,258 |
| Memoranda: | ||
| Average total assets | $60,260,000 | 5,109 |
| Average earning assets | $56,857,500 | 5,080 |
| Average equity | $5,766,000 | 5,274 |
| Average total loans | $35,971,000 | 4,972 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,578 |
| Cost of funding earning assets | 0.7026% | 800 |
| Net interest margin | 3.7830% | 2,381 |
| Noninterest income to average assets | 0.5976% | 2,678 |
| Noninterest expense to average assets | 2.8994% | 2,674 |
| Loan and lease loss provision to assets | 0.0734% | 2,887 |
| Net operating income to assets | 0.7820% | 3,393 |
| Return on assets (ROA) | 0.7820% | 3,491 |
| Pretax return on assets | 1.1919% | 2,706 |
| Return on Equity (ROE) | 8.0728% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.5264% | 1,029 |
| Net charge-offs to loans | 0.0589% | 2,870 |
| Credit loss provision to net charge-offs | 215.0000% | 1,319 |
| Earnings coverage of net charge-offs (x) | 37.0500% | 1,245 |
| Efficiency ratio | 69.6187% | 2,976 |
| Assets per employee ($millions) | 3.7374% | 4,418 |
| Cash dividends to net income (ytd only)* | 6.7686% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 2,092 |
| Loan loss allowance to noncurrent loans | 228.9593% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4950% | 3,278 |
| Noncurrent loans to loans | 0.6102% | 3,020 |
| Net loans and leases to total assets | 59.7160% | 3,887 |
| Net loans and leases to deposits | 71.0387% | 3,808 |
| Net loans and leases to core deposits | 74.9433% | 3,839 |
| Total domestic deposits to total assets | 84.0613% | 3,403 |
| Equity capital to assets | 9.4719% | 4,299 |
| Core capital (leverage) ratio | 9.6101% | 3,952 |
| Tier 1 risk-based capital ratio | 16.1288% | 2,496 |
| Total risk-based capital ratio | 17.3811% | 2,434 |
| Memoranda: | ||
| Average total assets | $58,564,400 | 5,173 |
| Average earning assets | $55,221,200 | 5,140 |
| Average equity | $5,673,400 | 5,337 |
| Average total loans | $33,979,400 | 5,069 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,705 |
| Cost of funding earning assets | 0.7083% | 782 |
| Net interest margin | 3.7403% | 2,547 |
| Noninterest income to average assets | 0.6179% | 2,576 |
| Noninterest expense to average assets | 2.8860% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8628% | 3,090 |
| Return on assets (ROA) | 0.8628% | 3,218 |
| Pretax return on assets | 1.2611% | 2,571 |
| Return on Equity (ROE) | 8.8561% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.8561% | 864 |
| Net charge-offs to loans | 0.0200% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 110.1424% | 614 |
| Efficiency ratio | 69.5916% | 2,950 |
| Assets per employee ($millions) | 4.2874% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,341 |
| Loan loss allowance to noncurrent loans | 212.4444% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,443 |
| Noncurrent loans to loans | 0.6450% | 3,090 |
| Net loans and leases to total assets | 57.3214% | 4,164 |
| Net loans and leases to deposits | 68.4669% | 4,108 |
| Net loans and leases to core deposits | 72.6263% | 4,113 |
| Total domestic deposits to total assets | 83.7212% | 3,314 |
| Equity capital to assets | 9.8895% | 4,256 |
| Core capital (leverage) ratio | 9.7708% | 3,845 |
| Tier 1 risk-based capital ratio | 16.1993% | 2,541 |
| Total risk-based capital ratio | 17.4510% | 2,497 |
| Memoranda: | ||
| Average total assets | $58,256,000 | 5,228 |
| Average earning assets | $54,968,000 | 5,193 |
| Average equity | $5,675,750 | 5,390 |
| Average total loans | $33,420,500 | 5,139 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,518 |
| Cost of funding earning assets | 0.7172% | 732 |
| Net interest margin | 3.7811% | 2,396 |
| Noninterest income to average assets | 0.6347% | 2,443 |
| Noninterest expense to average assets | 2.9133% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8601% | 3,049 |
| Return on assets (ROA) | 0.8601% | 3,173 |
| Pretax return on assets | 1.2867% | 2,458 |
| Return on Equity (ROE) | 8.8746% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.8746% | 884 |
| Net charge-offs to loans | 0.0364% | 2,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 61.8333% | 856 |
| Efficiency ratio | 69.3642% | 3,082 |
| Assets per employee ($millions) | 3.4305% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,930 |
| Loan loss allowance to noncurrent loans | 202.9787% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 3,879 |
| Noncurrent loans to loans | 0.7304% | 2,911 |
| Net loans and leases to total assets | 54.3528% | 4,473 |
| Net loans and leases to deposits | 65.0789% | 4,407 |
| Net loans and leases to core deposits | 69.6690% | 4,348 |
| Total domestic deposits to total assets | 83.5182% | 3,458 |
| Equity capital to assets | 9.9539% | 4,285 |
| Core capital (leverage) ratio | 9.6358% | 4,014 |
| Tier 1 risk-based capital ratio | 17.1005% | 2,175 |
| Total risk-based capital ratio | 18.3513% | 2,142 |
| Memoranda: | ||
| Average total assets | $57,667,000 | 5,299 |
| Average earning assets | $54,376,330 | 5,264 |
| Average equity | $5,589,000 | 5,459 |
| Average total loans | $32,932,670 | 5,202 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 1,023 |
| Cost of funding earning assets | 0.7260% | 709 |
| Net interest margin | 3.9856% | 1,656 |
| Noninterest income to average assets | 0.4674% | 3,355 |
| Noninterest expense to average assets | 3.0345% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7813% | 3,344 |
| Return on assets (ROA) | 0.7813% | 3,450 |
| Pretax return on assets | 1.1859% | 2,756 |
| Return on Equity (ROE) | 8.1737% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.1737% | 1,386 |
| Net charge-offs to loans | -0.0360% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9008% | 2,811 |
| Assets per employee ($millions) | 3.4091% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 2,217 |
| Loan loss allowance to noncurrent loans | 455.1402% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 4,124 |
| Noncurrent loans to loans | 0.3179% | 4,294 |
| Net loans and leases to total assets | 57.2454% | 4,122 |
| Net loans and leases to deposits | 68.2732% | 4,030 |
| Net loans and leases to core deposits | 73.0974% | 3,971 |
| Total domestic deposits to total assets | 83.8475% | 3,578 |
| Equity capital to assets | 9.6387% | 4,517 |
| Core capital (leverage) ratio | 9.4804% | 4,231 |
| Tier 1 risk-based capital ratio | 16.2661% | 2,568 |
| Total risk-based capital ratio | 17.5187% | 2,522 |
| Memoranda: | ||
| Average total assets | $57,341,000 | 5,354 |
| Average earning assets | $53,994,000 | 5,320 |
| Average equity | $5,481,000 | 5,511 |
| Average total loans | $33,311,500 | 5,232 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,946 |
| Cost of funding earning assets | 0.7513% | 636 |
| Net interest margin | 3.6353% | 2,996 |
| Noninterest income to average assets | 0.5844% | 2,806 |
| Noninterest expense to average assets | 3.0469% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6487% | 4,042 |
| Return on assets (ROA) | 0.6487% | 4,142 |
| Pretax return on assets | 0.9614% | 3,610 |
| Return on Equity (ROE) | 6.9717% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.9717% | 1,292 |
| Net charge-offs to loans | -0.0063% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0143% | 2,268 |
| Assets per employee ($millions) | 3.3369% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,154 |
| Loan loss allowance to noncurrent loans | 395.9016% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,272 |
| Noncurrent loans to loans | 0.3701% | 4,119 |
| Net loans and leases to total assets | 57.2504% | 4,167 |
| Net loans and leases to deposits | 68.2476% | 4,109 |
| Net loans and leases to core deposits | 74.0487% | 3,938 |
| Total domestic deposits to total assets | 83.8863% | 3,529 |
| Equity capital to assets | 9.4768% | 4,577 |
| Core capital (leverage) ratio | 9.4798% | 4,204 |
| Tier 1 risk-based capital ratio | 16.2777% | 2,572 |
| Total risk-based capital ratio | 17.5301% | 2,529 |
| Memoranda: | ||
| Average total assets | $55,957,600 | 5,407 |
| Average earning assets | $52,705,800 | 5,366 |
| Average equity | $5,206,800 | 5,603 |
| Average total loans | $31,858,200 | 5,300 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 2,020 |
| Cost of funding earning assets | 0.7614% | 615 |
| Net interest margin | 3.6066% | 3,135 |
| Noninterest income to average assets | 0.6097% | 2,689 |
| Noninterest expense to average assets | 3.0006% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6934% | 3,927 |
| Return on assets (ROA) | 0.6934% | 4,038 |
| Pretax return on assets | 1.0066% | 3,585 |
| Return on Equity (ROE) | 7.4869% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.4869% | 1,451 |
| Net charge-offs to loans | -0.0253% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8807% | 2,422 |
| Assets per employee ($millions) | 3.3324% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 2,261 |
| Loan loss allowance to noncurrent loans | 434.8214% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,466 |
| Noncurrent loans to loans | 0.3390% | 4,400 |
| Net loans and leases to total assets | 57.4677% | 4,204 |
| Net loans and leases to deposits | 69.8792% | 4,001 |
| Net loans and leases to core deposits | 76.4261% | 3,752 |
| Total domestic deposits to total assets | 82.2386% | 4,087 |
| Equity capital to assets | 9.4367% | 4,833 |
| Core capital (leverage) ratio | 9.3692% | 4,484 |
| Tier 1 risk-based capital ratio | 15.9184% | 2,839 |
| Total risk-based capital ratio | 17.1687% | 2,779 |
| Memoranda: | ||
| Average total assets | $55,765,000 | 5,480 |
| Average earning assets | $52,532,250 | 5,442 |
| Average equity | $5,164,500 | 5,685 |
| Average total loans | $31,582,750 | 5,368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,023 |
| Cost of funding earning assets | 0.7577% | 618 |
| Net interest margin | 3.5893% | 3,132 |
| Noninterest income to average assets | 0.5913% | 2,786 |
| Noninterest expense to average assets | 3.0539% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6202% | 4,257 |
| Return on assets (ROA) | 0.6202% | 4,376 |
| Pretax return on assets | 0.9194% | 3,886 |
| Return on Equity (ROE) | 6.7398% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.7398% | 1,824 |
| Net charge-offs to loans | -0.0257% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8603% | 2,218 |
| Assets per employee ($millions) | 2.9660% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,294 |
| Loan loss allowance to noncurrent loans | 453.2710% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,608 |
| Noncurrent loans to loans | 0.3310% | 4,501 |
| Net loans and leases to total assets | 56.4947% | 4,282 |
| Net loans and leases to deposits | 68.4475% | 4,092 |
| Net loans and leases to core deposits | 74.8965% | 3,868 |
| Total domestic deposits to total assets | 82.5372% | 4,111 |
| Equity capital to assets | 9.1120% | 5,135 |
| Core capital (leverage) ratio | 9.2504% | 4,619 |
| Tier 1 risk-based capital ratio | 15.8671% | 2,921 |
| Total risk-based capital ratio | 17.1205% | 2,876 |
| Memoranda: | ||
| Average total assets | $55,469,670 | 5,553 |
| Average earning assets | $52,266,670 | 5,506 |
| Average equity | $5,104,000 | 5,756 |
| Average total loans | $31,096,000 | 5,432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,018 |
| Cost of funding earning assets | 0.7552% | 636 |
| Net interest margin | 3.5681% | 3,133 |
| Noninterest income to average assets | 0.5379% | 3,034 |
| Noninterest expense to average assets | 3.2420% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4361% | 4,925 |
| Return on assets (ROA) | 0.4361% | 5,046 |
| Pretax return on assets | 0.6615% | 4,722 |
| Return on Equity (ROE) | 4.7165% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.7165% | 3,210 |
| Net charge-offs to loans | -0.0262% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0540% | 1,485 |
| Assets per employee ($millions) | 2.9067% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 2,148 |
| Loan loss allowance to noncurrent loans | 435.1351% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,661 |
| Noncurrent loans to loans | 0.3616% | 4,505 |
| Net loans and leases to total assets | 54.7114% | 4,346 |
| Net loans and leases to deposits | 65.2360% | 4,241 |
| Net loans and leases to core deposits | 70.9429% | 4,069 |
| Total domestic deposits to total assets | 83.8669% | 3,863 |
| Equity capital to assets | 9.3648% | 4,895 |
| Core capital (leverage) ratio | 9.1983% | 4,715 |
| Tier 1 risk-based capital ratio | 16.4078% | 2,732 |
| Total risk-based capital ratio | 17.6609% | 2,669 |
| Memoranda: | ||
| Average total assets | $55,027,500 | 5,615 |
| Average earning assets | $51,904,000 | 5,563 |
| Average equity | $5,088,500 | 5,815 |
| Average total loans | $30,483,000 | 5,488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,399 |
| Cost of funding earning assets | 0.8204% | 584 |
| Net interest margin | 3.8371% | 2,482 |
| Noninterest income to average assets | 0.6413% | 2,610 |
| Noninterest expense to average assets | 3.1587% | 2,331 |
| Loan and lease loss provision to assets | -0.0461% | 6,019 |
| Net operating income to assets | 0.7647% | 3,541 |
| Return on assets (ROA) | 0.7095% | 3,958 |
| Pretax return on assets | 1.0505% | 3,300 |
| Return on Equity (ROE) | 8.2013% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.2013% | 948 |
| Net charge-offs to loans | 0.0461% | 3,907 |
| Credit loss provision to net charge-offs | -178.5714% | 5,604 |
| Earnings coverage of net charge-offs (x) | 42.0714% | 1,040 |
| Efficiency ratio | 74.4247% | 2,761 |
| Assets per employee ($millions) | 3.2251% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 2,130 |
| Loan loss allowance to noncurrent loans | 271.7514% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 4,751 |
| Noncurrent loans to loans | 0.5848% | 3,916 |
| Net loans and leases to total assets | 54.3272% | 4,541 |
| Net loans and leases to deposits | 64.6426% | 4,458 |
| Net loans and leases to core deposits | 70.3047% | 4,300 |
| Total domestic deposits to total assets | 84.0425% | 3,704 |
| Equity capital to assets | 9.1287% | 5,153 |
| Core capital (leverage) ratio | 9.1203% | 4,794 |
| Tier 1 risk-based capital ratio | 16.6059% | 2,669 |
| Total risk-based capital ratio | 17.8597% | 2,617 |
| Memoranda: | ||
| Average total assets | $54,262,200 | 5,693 |
| Average earning assets | $50,950,200 | 5,646 |
| Average equity | $4,694,400 | 5,927 |
| Average total loans | $30,357,200 | 5,552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,252 |
| Cost of funding earning assets | 0.8300% | 594 |
| Net interest margin | 3.8951% | 2,265 |
| Noninterest income to average assets | 0.6454% | 2,600 |
| Noninterest expense to average assets | 3.1977% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6838% | 4,019 |
| Return on assets (ROA) | 0.6381% | 4,366 |
| Pretax return on assets | 1.0297% | 3,470 |
| Return on Equity (ROE) | 7.4797% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.4797% | 1,581 |
| Net charge-offs to loans | 0.0922% | 2,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.2854% | 1,685 |
| Efficiency ratio | 74.3840% | 2,760 |
| Assets per employee ($millions) | 3.3342% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 2,000 |
| Loan loss allowance to noncurrent loans | 283.5227% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 4,950 |
| Noncurrent loans to loans | 0.5963% | 4,144 |
| Net loans and leases to total assets | 54.3911% | 4,529 |
| Net loans and leases to deposits | 64.9171% | 4,439 |
| Net loans and leases to core deposits | 71.2591% | 4,225 |
| Total domestic deposits to total assets | 83.7854% | 3,841 |
| Equity capital to assets | 9.0127% | 5,339 |
| Core capital (leverage) ratio | 9.1128% | 4,916 |
| Tier 1 risk-based capital ratio | 16.2505% | 2,930 |
| Total risk-based capital ratio | 17.5057% | 2,882 |
| Memoranda: | ||
| Average total assets | $54,121,000 | 5,755 |
| Average earning assets | $50,763,250 | 5,710 |
| Average equity | $4,616,750 | 6,012 |
| Average total loans | $30,379,750 | 5,605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 1,150 |
| Cost of funding earning assets | 0.8410% | 580 |
| Net interest margin | 3.9223% | 2,078 |
| Noninterest income to average assets | 0.5885% | 2,876 |
| Noninterest expense to average assets | 3.1740% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6947% | 3,872 |
| Return on assets (ROA) | 0.5958% | 4,471 |
| Pretax return on assets | 0.9305% | 3,760 |
| Return on Equity (ROE) | 7.1162% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.1162% | 1,713 |
| Net charge-offs to loans | 0.1239% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.5263% | 1,842 |
| Efficiency ratio | 74.5250% | 2,887 |
| Assets per employee ($millions) | 3.1429% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,325 |
| Loan loss allowance to noncurrent loans | 284.6591% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 4,717 |
| Noncurrent loans to loans | 0.5758% | 4,295 |
| Net loans and leases to total assets | 56.2736% | 4,247 |
| Net loans and leases to deposits | 67.4708% | 4,113 |
| Net loans and leases to core deposits | 74.0621% | 3,830 |
| Total domestic deposits to total assets | 83.4045% | 4,149 |
| Equity capital to assets | 8.8321% | 5,492 |
| Core capital (leverage) ratio | 8.7848% | 5,285 |
| Tier 1 risk-based capital ratio | 15.1047% | 3,577 |
| Total risk-based capital ratio | 16.3589% | 3,523 |
| Memoranda: | ||
| Average total assets | $54,379,000 | 5,802 |
| Average earning assets | $50,889,000 | 5,757 |
| Average equity | $4,553,000 | 6,078 |
| Average total loans | $30,668,000 | 5,639 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 836 |
| Cost of funding earning assets | 0.8749% | 517 |
| Net interest margin | 4.0464% | 1,615 |
| Noninterest income to average assets | 0.5542% | 3,021 |
| Noninterest expense to average assets | 3.3033% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0282% | 2,091 |
| Return on assets (ROA) | 0.6928% | 3,804 |
| Pretax return on assets | 0.6928% | 4,513 |
| Return on Equity (ROE) | 8.5011% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.5011% | 1,416 |
| Net charge-offs to loans | 0.2344% | 1,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,086 |
| Efficiency ratio | 76.2626% | 2,757 |
| Assets per employee ($millions) | 3.2463% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,486 |
| Loan loss allowance to noncurrent loans | 306.0976% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 3,874 |
| Noncurrent loans to loans | 0.5411% | 4,549 |
| Net loans and leases to total assets | 54.0109% | 4,419 |
| Net loans and leases to deposits | 64.9871% | 4,207 |
| Net loans and leases to core deposits | 71.5912% | 3,912 |
| Total domestic deposits to total assets | 83.1102% | 4,571 |
| Equity capital to assets | 8.2103% | 5,902 |
| Core capital (leverage) ratio | 8.5509% | 5,583 |
| Tier 1 risk-based capital ratio | 14.7112% | 3,879 |
| Total risk-based capital ratio | 15.9659% | 3,830 |
| Memoranda: | ||
| Average total assets | $54,853,500 | 5,849 |
| Average earning assets | $51,205,500 | 5,804 |
| Average equity | $4,470,000 | 6,142 |
| Average total loans | $30,718,000 | 5,688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 2,397 |
| Cost of funding earning assets | 0.9389% | 611 |
| Net interest margin | 3.5099% | 3,853 |
| Noninterest income to average assets | 0.5357% | 3,512 |
| Noninterest expense to average assets | 2.9538% | 3,190 |
| Loan and lease loss provision to assets | 0.2014% | 1,850 |
| Net operating income to assets | 0.7856% | 3,365 |
| Return on assets (ROA) | 0.7928% | 3,425 |
| Pretax return on assets | 0.6742% | 4,623 |
| Return on Equity (ROE) | 9.0969% | 2,491 |
| Retained earnings to average equity (ytd only) | -10.3140% | 6,540 |
| Net charge-offs to loans | 0.0956% | 3,887 |
| Credit loss provision to net charge-offs | 361.2903% | 633 |
| Earnings coverage of net charge-offs (x) | 15.5806% | 1,857 |
| Efficiency ratio | 77.2813% | 2,576 |
| Assets per employee ($millions) | 3.4075% | 5,065 |
| Cash dividends to net income (ytd only)* | 213.3787% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 2,487 |
| Loan loss allowance to noncurrent loans | 50.0480% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.3716% | 1,461 |
| Noncurrent loans to loans | 3.3444% | 968 |
| Net loans and leases to total assets | 56.1372% | 4,297 |
| Net loans and leases to deposits | 66.0452% | 4,292 |
| Net loans and leases to core deposits | 72.6793% | 3,992 |
| Total domestic deposits to total assets | 84.9982% | 3,753 |
| Equity capital to assets | 8.0869% | 5,949 |
| Core capital (leverage) ratio | 8.4942% | 5,678 |
| Tier 1 risk-based capital ratio | 14.6709% | 3,852 |
| Total risk-based capital ratio | 15.9260% | 3,794 |
| Memoranda: | ||
| Average total assets | $55,623,400 | 5,886 |
| Average earning assets | $52,081,800 | 5,835 |
| Average equity | $4,847,800 | 6,105 |
| Average total loans | $32,436,600 | 5,648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 2,363 |
| Cost of funding earning assets | 0.9618% | 601 |
| Net interest margin | 3.5037% | 3,866 |
| Noninterest income to average assets | 0.5391% | 3,528 |
| Noninterest expense to average assets | 2.9004% | 3,311 |
| Loan and lease loss provision to assets | 0.2695% | 1,307 |
| Net operating income to assets | 0.8110% | 3,291 |
| Return on assets (ROA) | 0.8682% | 3,114 |
| Pretax return on assets | 0.7108% | 4,658 |
| Return on Equity (ROE) | 9.7896% | 2,264 |
| Retained earnings to average equity (ytd only) | -15.5181% | 6,711 |
| Net charge-offs to loans | 0.1180% | 3,368 |
| Credit loss provision to net charge-offs | 389.6552% | 683 |
| Earnings coverage of net charge-offs (x) | 13.3434% | 2,037 |
| Efficiency ratio | 75.8578% | 2,754 |
| Assets per employee ($millions) | 3.1868% | 5,520 |
| Cash dividends to net income (ytd only)* | 258.5181% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 2,738 |
| Loan loss allowance to noncurrent loans | 45.9578% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.6064% | 1,454 |
| Noncurrent loans to loans | 3.6294% | 1,024 |
| Net loans and leases to total assets | 56.9119% | 4,187 |
| Net loans and leases to deposits | 67.0625% | 4,167 |
| Net loans and leases to core deposits | 73.8845% | 3,861 |
| Total domestic deposits to total assets | 84.8639% | 3,809 |
| Equity capital to assets | 7.9797% | 6,164 |
| Core capital (leverage) ratio | 8.2909% | 5,977 |
| Tier 1 risk-based capital ratio | 14.2042% | 4,281 |
| Total risk-based capital ratio | 15.4559% | 4,229 |
| Memoranda: | ||
| Average total assets | $55,899,250 | 5,940 |
| Average earning assets | $52,399,750 | 5,891 |
| Average equity | $4,957,500 | 6,150 |
| Average total loans | $32,764,000 | 5,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,530 |
| Cost of funding earning assets | 0.9926% | 561 |
| Net interest margin | 3.4156% | 4,134 |
| Noninterest income to average assets | 0.4993% | 3,843 |
| Noninterest expense to average assets | 2.8296% | 3,574 |
| Loan and lease loss provision to assets | 0.2125% | 1,782 |
| Net operating income to assets | 0.6623% | 4,009 |
| Return on assets (ROA) | 0.6906% | 4,021 |
| Pretax return on assets | 0.6906% | 4,710 |
| Return on Equity (ROE) | 7.5450% | 3,328 |
| Retained earnings to average equity (ytd only) | -1.4316% | 6,114 |
| Net charge-offs to loans | 0.1805% | 2,674 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 8.2333% | 2,437 |
| Efficiency ratio | 76.3862% | 2,728 |
| Assets per employee ($millions) | 3.2564% | 5,365 |
| Cash dividends to net income (ytd only)* | 118.9744% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 3,885 |
| Loan loss allowance to noncurrent loans | 38.6139% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 2.6843% | 1,556 |
| Noncurrent loans to loans | 3.7086% | 1,100 |
| Net loans and leases to total assets | 58.1903% | 3,957 |
| Net loans and leases to deposits | 69.0259% | 3,856 |
| Net loans and leases to core deposits | 75.9651% | 3,548 |
| Total domestic deposits to total assets | 84.3022% | 4,201 |
| Equity capital to assets | 8.9364% | 5,285 |
| Core capital (leverage) ratio | 9.0651% | 4,889 |
| Tier 1 risk-based capital ratio | 15.1841% | 3,652 |
| Total risk-based capital ratio | 16.4364% | 3,622 |
| Memoranda: | ||
| Average total assets | $56,474,000 | 5,960 |
| Average earning assets | $52,992,670 | 5,896 |
| Average equity | $5,169,000 | 6,139 |
| Average total loans | $33,233,670 | 5,704 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 2,716 |
| Cost of funding earning assets | 1.0319% | 518 |
| Net interest margin | 3.3125% | 4,471 |
| Noninterest income to average assets | 0.3507% | 4,873 |
| Noninterest expense to average assets | 2.9036% | 3,325 |
| Loan and lease loss provision to assets | 0.2104% | 1,759 |
| Net operating income to assets | 0.3437% | 5,387 |
| Return on assets (ROA) | 0.3437% | 5,531 |
| Pretax return on assets | 0.3437% | 5,738 |
| Return on Equity (ROE) | 3.7121% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.1061% | 4,414 |
| Net charge-offs to loans | 0.1074% | 2,799 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 8.7778% | 1,912 |
| Efficiency ratio | 83.9757% | 1,770 |
| Assets per employee ($millions) | 3.5349% | 4,911 |
| Cash dividends to net income (ytd only)* | 16.3265% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 4,305 |
| Loan loss allowance to noncurrent loans | 44.1148% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3339% | 1,992 |
| Noncurrent loans to loans | 3.1440% | 1,575 |
| Net loans and leases to total assets | 57.9529% | 3,784 |
| Net loans and leases to deposits | 69.2843% | 3,606 |
| Net loans and leases to core deposits | 77.8866% | 3,081 |
| Total domestic deposits to total assets | 83.6451% | 4,612 |
| Equity capital to assets | 9.3780% | 5,022 |
| Core capital (leverage) ratio | 9.0252% | 4,846 |
| Tier 1 risk-based capital ratio | 14.8179% | 3,954 |
| Total risk-based capital ratio | 16.0675% | 3,922 |
| Memoranda: | ||
| Average total assets | $57,032,000 | 5,993 |
| Average earning assets | $53,494,500 | 5,921 |
| Average equity | $5,280,000 | 6,163 |
| Average total loans | $33,510,000 | 5,726 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 3,222 |
| Cost of funding earning assets | 1.3023% | 368 |
| Net interest margin | 3.2436% | 5,448 |
| Noninterest income to average assets | 0.6563% | 2,960 |
| Noninterest expense to average assets | 3.1761% | 2,692 |
| Loan and lease loss provision to assets | 0.4896% | 1,237 |
| Net operating income to assets | 0.0206% | 6,137 |
| Return on assets (ROA) | -0.0456% | 6,342 |
| Pretax return on assets | -0.0842% | 6,352 |
| Return on Equity (ROE) | -0.4948% | 6,349 |
| Retained earnings to average equity (ytd only) | -0.7231% | 5,979 |
| Net charge-offs to loans | 0.3776% | 2,745 |
| Credit loss provision to net charge-offs | 221.4286% | 1,136 |
| Earnings coverage of net charge-offs (x) | 2.3016% | 4,266 |
| Efficiency ratio | 86.1905% | 1,413 |
| Assets per employee ($millions) | 3.5941% | 4,798 |
| Cash dividends to net income (ytd only)* | -46.1538% | 7,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,649 |
| Loan loss allowance to noncurrent loans | 39.9271% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.4484% | 1,997 |
| Noncurrent loans to loans | 3.2473% | 1,582 |
| Net loans and leases to total assets | 57.9835% | 3,985 |
| Net loans and leases to deposits | 68.7902% | 3,865 |
| Net loans and leases to core deposits | 79.9885% | 3,001 |
| Total domestic deposits to total assets | 84.2903% | 4,187 |
| Equity capital to assets | 9.1399% | 5,349 |
| Core capital (leverage) ratio | 8.9439% | 4,979 |
| Tier 1 risk-based capital ratio | 14.6346% | 3,943 |
| Total risk-based capital ratio | 15.8844% | 3,902 |
| Memoranda: | ||
| Average total assets | $56,988,200 | 5,998 |
| Average earning assets | $53,213,000 | 5,950 |
| Average equity | $5,255,000 | 6,220 |
| Average total loans | $33,372,800 | 5,781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 3,163 |
| Cost of funding earning assets | 1.3519% | 348 |
| Net interest margin | 3.2591% | 5,517 |
| Noninterest income to average assets | 0.6753% | 2,847 |
| Noninterest expense to average assets | 3.2290% | 2,482 |
| Loan and lease loss provision to assets | 0.2251% | 2,805 |
| Net operating income to assets | 0.3142% | 5,564 |
| Return on assets (ROA) | 0.3259% | 5,724 |
| Pretax return on assets | 0.2744% | 6,000 |
| Return on Equity (ROE) | 3.5269% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.5269% | 4,395 |
| Net charge-offs to loans | 0.0761% | 4,644 |
| Credit loss provision to net charge-offs | 505.2632% | 527 |
| Earnings coverage of net charge-offs (x) | 10.9487% | 2,130 |
| Efficiency ratio | 86.8770% | 1,315 |
| Assets per employee ($millions) | 3.3381% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,798 |
| Loan loss allowance to noncurrent loans | 54.0984% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.1824% | 3,929 |
| Noncurrent loans to loans | 1.9961% | 2,844 |
| Net loans and leases to total assets | 58.5977% | 4,024 |
| Net loans and leases to deposits | 70.0225% | 3,892 |
| Net loans and leases to core deposits | 81.4426% | 3,026 |
| Total domestic deposits to total assets | 83.6840% | 4,363 |
| Equity capital to assets | 9.5845% | 5,093 |
| Core capital (leverage) ratio | 9.2946% | 4,593 |
| Tier 1 risk-based capital ratio | 15.8074% | 3,370 |
| Total risk-based capital ratio | 16.8999% | 3,418 |
| Memoranda: | ||
| Average total assets | $56,858,750 | 6,071 |
| Average earning assets | $53,060,750 | 6,023 |
| Average equity | $5,254,750 | 6,288 |
| Average total loans | $33,270,500 | 5,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 3,561 |
| Cost of funding earning assets | 1.3861% | 369 |
| Net interest margin | 3.1639% | 5,837 |
| Noninterest income to average assets | 0.6573% | 2,916 |
| Noninterest expense to average assets | 3.2727% | 2,381 |
| Loan and lease loss provision to assets | 0.2179% | 2,895 |
| Net operating income to assets | 0.1195% | 6,118 |
| Return on assets (ROA) | 0.1336% | 6,247 |
| Pretax return on assets | 0.1336% | 6,252 |
| Return on Equity (ROE) | 1.4634% | 6,200 |
| Retained earnings to average equity (ytd only) | 1.4634% | 5,467 |
| Net charge-offs to loans | -0.0181% | 6,404 |
| Credit loss provision to net charge-offs | -2,066.6667% | 6,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6524% | 1,023 |
| Assets per employee ($millions) | 3.3864% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,948 |
| Loan loss allowance to noncurrent loans | 49.0934% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 3,923 |
| Noncurrent loans to loans | 2.1431% | 2,773 |
| Net loans and leases to total assets | 57.5042% | 4,244 |
| Net loans and leases to deposits | 68.1320% | 4,174 |
| Net loans and leases to core deposits | 78.7984% | 3,395 |
| Total domestic deposits to total assets | 84.4011% | 4,141 |
| Equity capital to assets | 9.1179% | 5,563 |
| Core capital (leverage) ratio | 9.0396% | 4,856 |
| Tier 1 risk-based capital ratio | 14.9261% | 3,815 |
| Total risk-based capital ratio | 15.9447% | 3,933 |
| Memoranda: | ||
| Average total assets | $56,895,670 | 6,110 |
| Average earning assets | $53,099,670 | 6,058 |
| Average equity | $5,193,330 | 6,337 |
| Average total loans | $33,155,330 | 5,904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 3,400 |
| Cost of funding earning assets | 1.4315% | 378 |
| Net interest margin | 3.1903% | 5,808 |
| Noninterest income to average assets | 0.6506% | 2,926 |
| Noninterest expense to average assets | 3.4866% | 1,789 |
| Loan and lease loss provision to assets | 0.2122% | 2,832 |
| Net operating income to assets | -0.0849% | 6,516 |
| Return on assets (ROA) | -0.0495% | 6,577 |
| Pretax return on assets | -0.0495% | 6,571 |
| Return on Equity (ROE) | -0.5421% | 6,589 |
| Retained earnings to average equity (ytd only) | -0.5421% | 6,085 |
| Net charge-offs to loans | -0.0970% | 6,772 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4775% | 696 |
| Assets per employee ($millions) | 3.0130% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 6,293 |
| Loan loss allowance to noncurrent loans | 56.9930% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 4,497 |
| Noncurrent loans to loans | 1.7334% | 3,511 |
| Net loans and leases to total assets | 57.0737% | 4,208 |
| Net loans and leases to deposits | 67.5928% | 4,134 |
| Net loans and leases to core deposits | 79.1593% | 3,159 |
| Total domestic deposits to total assets | 84.4376% | 4,307 |
| Equity capital to assets | 9.0747% | 5,393 |
| Core capital (leverage) ratio | 9.1353% | 4,629 |
| Tier 1 risk-based capital ratio | 15.6413% | 3,367 |
| Total risk-based capital ratio | 16.6386% | 3,472 |
| Memoranda: | ||
| Average total assets | $56,559,500 | 6,164 |
| Average earning assets | $52,533,500 | 6,120 |
| Average equity | $5,165,500 | 6,378 |
| Average total loans | $33,005,000 | 5,956 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 2,370 |
| Cost of funding earning assets | 1.5846% | 506 |
| Net interest margin | 3.5357% | 4,999 |
| Noninterest income to average assets | 0.6283% | 3,011 |
| Noninterest expense to average assets | 3.2323% | 2,759 |
| Loan and lease loss provision to assets | 0.2741% | 3,479 |
| Net operating income to assets | 0.3861% | 4,922 |
| Return on assets (ROA) | 0.2972% | 5,423 |
| Pretax return on assets | 0.3097% | 5,533 |
| Return on Equity (ROE) | 3.2081% | 5,194 |
| Retained earnings to average equity (ytd only) | -1.3063% | 6,055 |
| Net charge-offs to loans | 0.5486% | 2,819 |
| Credit loss provision to net charge-offs | 86.5169% | 4,180 |
| Earnings coverage of net charge-offs (x) | 2.1348% | 4,184 |
| Efficiency ratio | 82.6958% | 1,924 |
| Assets per employee ($millions) | 2.9406% | 6,210 |
| Cash dividends to net income (ytd only)* | 140.7186% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 6,606 |
| Loan loss allowance to noncurrent loans | 54.5627% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 4,724 |
| Noncurrent loans to loans | 1.5934% | 3,771 |
| Net loans and leases to total assets | 58.5696% | 4,270 |
| Net loans and leases to deposits | 69.5989% | 4,171 |
| Net loans and leases to core deposits | 77.7514% | 3,712 |
| Total domestic deposits to total assets | 84.1531% | 4,258 |
| Equity capital to assets | 9.1924% | 5,300 |
| Core capital (leverage) ratio | 9.2302% | 4,425 |
| Tier 1 risk-based capital ratio | 15.7012% | 3,213 |
| Total risk-based capital ratio | 16.5813% | 3,384 |
| Memoranda: | ||
| Average total assets | $56,182,400 | 6,156 |
| Average earning assets | $52,125,200 | 6,118 |
| Average equity | $5,205,600 | 6,383 |
| Average total loans | $32,448,200 | 6,047 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 1,737 |
| Cost of funding earning assets | 1.6095% | 554 |
| Net interest margin | 3.7248% | 4,228 |
| Noninterest income to average assets | 0.6707% | 2,770 |
| Noninterest expense to average assets | 3.2088% | 2,801 |
| Loan and lease loss provision to assets | 0.2275% | 3,740 |
| Net operating income to assets | 0.6621% | 3,810 |
| Return on assets (ROA) | 0.6825% | 3,872 |
| Pretax return on assets | 0.7110% | 4,432 |
| Return on Equity (ROE) | 7.3519% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.5995% | 4,184 |
| Net charge-offs to loans | 0.0578% | 5,389 |
| Credit loss provision to net charge-offs | 685.7143% | 392 |
| Earnings coverage of net charge-offs (x) | 27.6374% | 985 |
| Efficiency ratio | 77.7714% | 2,572 |
| Assets per employee ($millions) | 2.9152% | 6,284 |
| Cash dividends to net income (ytd only)* | 51.0430% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,476 |
| Loan loss allowance to noncurrent loans | 55.1966% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 3,717 |
| Noncurrent loans to loans | 2.1699% | 3,155 |
| Net loans and leases to total assets | 58.5307% | 4,413 |
| Net loans and leases to deposits | 69.9998% | 4,302 |
| Net loans and leases to core deposits | 77.5723% | 3,968 |
| Total domestic deposits to total assets | 83.6156% | 4,421 |
| Equity capital to assets | 9.7133% | 4,758 |
| Core capital (leverage) ratio | 9.6560% | 3,909 |
| Tier 1 risk-based capital ratio | 15.7622% | 3,243 |
| Total risk-based capital ratio | 16.9244% | 3,258 |
| Memoranda: | ||
| Average total assets | $56,260,000 | 6,203 |
| Average earning assets | $52,189,250 | 6,166 |
| Average equity | $5,223,000 | 6,423 |
| Average total loans | $32,307,500 | 6,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 1,905 |
| Cost of funding earning assets | 1.6368% | 605 |
| Net interest margin | 3.6609% | 4,468 |
| Noninterest income to average assets | 0.6684% | 2,723 |
| Noninterest expense to average assets | 3.2148% | 2,849 |
| Loan and lease loss provision to assets | 0.2228% | 3,691 |
| Net operating income to assets | 0.6134% | 3,992 |
| Return on assets (ROA) | 0.6507% | 3,919 |
| Pretax return on assets | 0.6790% | 4,467 |
| Return on Equity (ROE) | 7.1171% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.1171% | 1,824 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8378% | 2,580 |
| Assets per employee ($millions) | 2.9896% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,789 |
| Loan loss allowance to noncurrent loans | 82.3789% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 4,674 |
| Noncurrent loans to loans | 1.3855% | 4,329 |
| Net loans and leases to total assets | 57.0304% | 4,816 |
| Net loans and leases to deposits | 67.8003% | 4,735 |
| Net loans and leases to core deposits | 76.7800% | 4,213 |
| Total domestic deposits to total assets | 84.1153% | 4,299 |
| Equity capital to assets | 9.4396% | 4,911 |
| Core capital (leverage) ratio | 9.4436% | 4,038 |
| Tier 1 risk-based capital ratio | 15.1192% | 3,437 |
| Total risk-based capital ratio | 16.1718% | 3,511 |
| Memoranda: | ||
| Average total assets | $56,550,670 | 6,246 |
| Average earning assets | $52,664,330 | 6,203 |
| Average equity | $5,170,670 | 6,475 |
| Average total loans | $32,139,330 | 6,185 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3348% | 1,768 |
| Cost of funding earning assets | 1.6233% | 751 |
| Net interest margin | 3.7115% | 4,038 |
| Noninterest income to average assets | 0.6026% | 3,142 |
| Noninterest expense to average assets | 3.0625% | 3,413 |
| Loan and lease loss provision to assets | 0.2198% | 3,458 |
| Net operating income to assets | 0.7727% | 3,157 |
| Return on assets (ROA) | 0.7727% | 3,228 |
| Pretax return on assets | 0.7727% | 4,005 |
| Return on Equity (ROE) | 8.5911% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.5911% | 1,523 |
| Net charge-offs to loans | -0.0251% | 6,645 |
| Credit loss provision to net charge-offs | -1,550.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5245% | 3,238 |
| Assets per employee ($millions) | 3.0046% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,231 |
| Loan loss allowance to noncurrent loans | 74.7826% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,695 |
| Noncurrent loans to loans | 1.4009% | 4,373 |
| Net loans and leases to total assets | 56.9184% | 4,816 |
| Net loans and leases to deposits | 67.2538% | 4,791 |
| Net loans and leases to core deposits | 75.2397% | 4,389 |
| Total domestic deposits to total assets | 84.6322% | 4,212 |
| Equity capital to assets | 8.9512% | 5,280 |
| Core capital (leverage) ratio | 9.3857% | 3,985 |
| Tier 1 risk-based capital ratio | 14.5903% | 3,683 |
| Total risk-based capital ratio | 15.5378% | 3,834 |
| Memoranda: | ||
| Average total assets | $56,424,500 | 6,297 |
| Average earning assets | $52,486,000 | 6,255 |
| Average equity | $5,075,000 | 6,529 |
| Average total loans | $31,824,500 | 6,252 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 2,471 |
| Cost of funding earning assets | 1.8167% | 1,107 |
| Net interest margin | 3.6354% | 4,648 |
| Noninterest income to average assets | 0.7629% | 2,473 |
| Noninterest expense to average assets | 3.4433% | 2,323 |
| Loan and lease loss provision to assets | 0.2005% | 5,231 |
| Net operating income to assets | 0.4919% | 4,140 |
| Return on assets (ROA) | 0.4919% | 4,297 |
| Pretax return on assets | 0.5030% | 4,614 |
| Return on Equity (ROE) | 5.1180% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.1180% | 2,352 |
| Net charge-offs to loans | 0.5334% | 3,480 |
| Credit loss provision to net charge-offs | 67.0807% | 5,931 |
| Earnings coverage of net charge-offs (x) | 2.3540% | 3,971 |
| Efficiency ratio | 83.0349% | 2,048 |
| Assets per employee ($millions) | 3.0979% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 6,346 |
| Loan loss allowance to noncurrent loans | 78.5354% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 4,951 |
| Noncurrent loans to loans | 1.2852% | 4,565 |
| Net loans and leases to total assets | 54.6985% | 5,539 |
| Net loans and leases to deposits | 64.8171% | 5,535 |
| Net loans and leases to core deposits | 71.6339% | 5,245 |
| Total domestic deposits to total assets | 84.3890% | 4,180 |
| Equity capital to assets | 9.0384% | 5,086 |
| Core capital (leverage) ratio | 9.3451% | 3,934 |
| Tier 1 risk-based capital ratio | 14.9095% | 3,302 |
| Total risk-based capital ratio | 15.8005% | 3,469 |
| Memoranda: | ||
| Average total assets | $53,873,000 | 6,405 |
| Average earning assets | $50,146,200 | 6,360 |
| Average equity | $5,177,800 | 6,610 |
| Average total loans | $30,182,200 | 6,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 2,691 |
| Cost of funding earning assets | 1.8581% | 1,173 |
| Net interest margin | 3.5821% | 4,961 |
| Noninterest income to average assets | 0.8114% | 2,176 |
| Noninterest expense to average assets | 3.4955% | 2,042 |
| Loan and lease loss provision to assets | 0.1623% | 5,412 |
| Net operating income to assets | 0.4804% | 4,402 |
| Return on assets (ROA) | 0.5293% | 4,360 |
| Pretax return on assets | 0.5393% | 4,797 |
| Return on Equity (ROE) | 5.4230% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.4230% | 2,695 |
| Net charge-offs to loans | 0.4219% | 3,601 |
| Credit loss provision to net charge-offs | 68.4211% | 5,462 |
| Earnings coverage of net charge-offs (x) | 2.7474% | 3,773 |
| Efficiency ratio | 84.2866% | 1,801 |
| Assets per employee ($millions) | 3.0528% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,866 |
| Loan loss allowance to noncurrent loans | 47.0423% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2921% | 4,560 |
| Noncurrent loans to loans | 2.3752% | 3,264 |
| Net loans and leases to total assets | 53.7897% | 5,880 |
| Net loans and leases to deposits | 64.6529% | 5,830 |
| Net loans and leases to core deposits | 69.5482% | 5,793 |
| Total domestic deposits to total assets | 83.1978% | 4,503 |
| Equity capital to assets | 9.9179% | 4,267 |
| Core capital (leverage) ratio | 9.4305% | 4,017 |
| Tier 1 risk-based capital ratio | 15.4311% | 3,034 |
| Total risk-based capital ratio | 16.4348% | 3,136 |
| Memoranda: | ||
| Average total assets | $53,400,750 | 6,497 |
| Average earning assets | $49,727,500 | 6,447 |
| Average equity | $5,212,250 | 6,669 |
| Average total loans | $30,024,750 | 6,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4200% | 2,893 |
| Cost of funding earning assets | 1.9015% | 1,231 |
| Net interest margin | 3.5185% | 5,172 |
| Noninterest income to average assets | 0.8207% | 2,016 |
| Noninterest expense to average assets | 3.5776% | 1,839 |
| Loan and lease loss provision to assets | 0.1324% | 5,564 |
| Net operating income to assets | 0.3857% | 4,819 |
| Return on assets (ROA) | 0.4614% | 4,660 |
| Pretax return on assets | 0.4614% | 5,026 |
| Return on Equity (ROE) | 4.7536% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.7536% | 3,041 |
| Net charge-offs to loans | 0.0200% | 6,065 |
| Credit loss provision to net charge-offs | 1,166.6667% | 329 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 647 |
| Efficiency ratio | 87.3500% | 1,573 |
| Assets per employee ($millions) | 2.9657% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,020 |
| Loan loss allowance to noncurrent loans | 77.3438% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 5,061 |
| Noncurrent loans to loans | 1.6592% | 4,211 |
| Net loans and leases to total assets | 57.0650% | 5,553 |
| Net loans and leases to deposits | 68.6212% | 5,470 |
| Net loans and leases to core deposits | 73.9519% | 5,454 |
| Total domestic deposits to total assets | 83.1594% | 4,499 |
| Equity capital to assets | 9.8402% | 4,214 |
| Core capital (leverage) ratio | 9.3893% | 3,975 |
| Tier 1 risk-based capital ratio | 15.2724% | 3,025 |
| Total risk-based capital ratio | 16.3957% | 3,035 |
| Memoranda: | ||
| Average total assets | $52,884,000 | 6,558 |
| Average earning assets | $49,225,000 | 6,502 |
| Average equity | $5,133,000 | 6,738 |
| Average total loans | $30,069,000 | 6,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3006% | 3,547 |
| Cost of funding earning assets | 1.8511% | 1,652 |
| Net interest margin | 3.4494% | 5,377 |
| Noninterest income to average assets | 0.6840% | 2,711 |
| Noninterest expense to average assets | 3.4730% | 2,054 |
| Loan and lease loss provision to assets | 0.1520% | 5,017 |
| Net operating income to assets | 0.2736% | 5,404 |
| Return on assets (ROA) | 0.2736% | 5,531 |
| Pretax return on assets | 0.2736% | 5,677 |
| Return on Equity (ROE) | 2.8386% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.8386% | 4,428 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0838% | 1,498 |
| Assets per employee ($millions) | 2.9269% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,197 |
| Loan loss allowance to noncurrent loans | 52.5308% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3875% | 4,428 |
| Noncurrent loans to loans | 2.3842% | 3,291 |
| Net loans and leases to total assets | 57.4661% | 5,529 |
| Net loans and leases to deposits | 68.9329% | 5,478 |
| Net loans and leases to core deposits | 76.8621% | 5,152 |
| Total domestic deposits to total assets | 83.3653% | 4,447 |
| Equity capital to assets | 9.6783% | 4,262 |
| Core capital (leverage) ratio | 9.4310% | 3,877 |
| Tier 1 risk-based capital ratio | 15.0353% | 3,106 |
| Total risk-based capital ratio | 16.1434% | 3,121 |
| Memoranda: | ||
| Average total assets | $52,634,500 | 6,646 |
| Average earning assets | $49,051,500 | 6,587 |
| Average equity | $5,073,000 | 6,826 |
| Average total loans | $29,674,000 | 6,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8966% | 2,249 |
| Cost of funding earning assets | 2.1010% | 2,455 |
| Net interest margin | 3.7956% | 3,727 |
| Noninterest income to average assets | 0.8606% | 2,139 |
| Noninterest expense to average assets | 3.5636% | 2,235 |
| Loan and lease loss provision to assets | 0.4231% | 4,290 |
| Net operating income to assets | 0.3861% | 4,178 |
| Return on assets (ROA) | 0.3861% | 4,285 |
| Pretax return on assets | 0.4026% | 4,492 |
| Return on Equity (ROE) | 3.8591% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.3459% | 2,827 |
| Net charge-offs to loans | 0.4853% | 3,832 |
| Credit loss provision to net charge-offs | 156.0606% | 2,900 |
| Earnings coverage of net charge-offs (x) | 3.0455% | 3,551 |
| Efficiency ratio | 81.1886% | 2,713 |
| Assets per employee ($millions) | 2.9213% | 6,408 |
| Cash dividends to net income (ytd only)* | 13.2979% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 4,944 |
| Loan loss allowance to noncurrent loans | 48.2759% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 4,265 |
| Noncurrent loans to loans | 2.6283% | 2,926 |
| Net loans and leases to total assets | 53.8643% | 6,216 |
| Net loans and leases to deposits | 64.4973% | 6,215 |
| Net loans and leases to core deposits | 86.3116% | 5,490 |
| Total domestic deposits to total assets | 83.5140% | 4,274 |
| Equity capital to assets | 9.5980% | 4,273 |
| Core capital (leverage) ratio | 9.9166% | 3,174 |
| Tier 1 risk-based capital ratio | 15.6482% | 2,654 |
| Total risk-based capital ratio | 16.8055% | 2,643 |
| Memoranda: | ||
| Average total assets | $48,686,600 | 6,760 |
| Average earning assets | $45,263,400 | 6,713 |
| Average equity | $4,871,600 | 6,998 |
| Average total loans | $27,200,200 | 6,791 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9872% | 2,094 |
| Cost of funding earning assets | 2.1851% | 2,477 |
| Net interest margin | 3.8021% | 3,647 |
| Noninterest income to average assets | 0.7852% | 2,510 |
| Noninterest expense to average assets | 3.4484% | 2,424 |
| Loan and lease loss provision to assets | 0.3521% | 4,211 |
| Net operating income to assets | 0.5002% | 3,983 |
| Return on assets (ROA) | 0.5002% | 4,073 |
| Pretax return on assets | 0.5198% | 4,456 |
| Return on Equity (ROE) | 4.9435% | 3,989 |
| Retained earnings to average equity (ytd only) | 4.6674% | 2,673 |
| Net charge-offs to loans | 0.6659% | 2,697 |
| Credit loss provision to net charge-offs | 94.0299% | 5,372 |
| Earnings coverage of net charge-offs (x) | 2.3284% | 4,079 |
| Efficiency ratio | 79.8189% | 2,875 |
| Assets per employee ($millions) | 2.6784% | 6,895 |
| Cash dividends to net income (ytd only)* | 5.5854% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,960 |
| Loan loss allowance to noncurrent loans | 30.7777% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 3,140 |
| Noncurrent loans to loans | 3.4470% | 2,170 |
| Net loans and leases to total assets | 54.3558% | 6,343 |
| Net loans and leases to deposits | 66.4469% | 6,267 |
| Net loans and leases to core deposits | 89.9777% | 5,436 |
| Total domestic deposits to total assets | 81.8033% | 4,763 |
| Equity capital to assets | 10.5804% | 3,428 |
| Core capital (leverage) ratio | 10.0885% | 3,190 |
| Tier 1 risk-based capital ratio | 16.8747% | 2,314 |
| Total risk-based capital ratio | 17.8380% | 2,348 |
| Memoranda: | ||
| Average total assets | $47,712,250 | 6,846 |
| Average earning assets | $44,360,250 | 6,801 |
| Average equity | $4,827,750 | 7,069 |
| Average total loans | $26,828,250 | 6,863 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1261% | 1,705 |
| Cost of funding earning assets | 2.2396% | 2,628 |
| Net interest margin | 3.8865% | 3,173 |
| Noninterest income to average assets | 0.8287% | 2,279 |
| Noninterest expense to average assets | 3.4788% | 2,404 |
| Loan and lease loss provision to assets | 0.2356% | 4,705 |
| Net operating income to assets | 0.7025% | 3,243 |
| Return on assets (ROA) | 0.7025% | 3,349 |
| Pretax return on assets | 0.7277% | 3,911 |
| Return on Equity (ROE) | 7.0514% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8402% | 1,643 |
| Net charge-offs to loans | 0.4974% | 2,840 |
| Credit loss provision to net charge-offs | 83.5821% | 5,098 |
| Earnings coverage of net charge-offs (x) | 3.4179% | 3,446 |
| Efficiency ratio | 78.3144% | 3,299 |
| Assets per employee ($millions) | 2.6976% | 6,838 |
| Cash dividends to net income (ytd only)* | 2.9940% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 5,935 |
| Loan loss allowance to noncurrent loans | 31.1732% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 3,361 |
| Noncurrent loans to loans | 3.3547% | 2,095 |
| Net loans and leases to total assets | 54.3691% | 6,399 |
| Net loans and leases to deposits | 66.1820% | 6,375 |
| Net loans and leases to core deposits | 88.6709% | 5,664 |
| Total domestic deposits to total assets | 82.1509% | 4,628 |
| Equity capital to assets | 10.3384% | 3,583 |
| Core capital (leverage) ratio | 10.0112% | 3,286 |
| Tier 1 risk-based capital ratio | 16.7815% | 2,369 |
| Total risk-based capital ratio | 17.7329% | 2,392 |
| Memoranda: | ||
| Average total assets | $47,545,670 | 6,920 |
| Average earning assets | $44,204,330 | 6,874 |
| Average equity | $4,736,670 | 7,160 |
| Average total loans | $26,942,000 | 6,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 2,501 |
| Cost of funding earning assets | 2.3515% | 2,500 |
| Net interest margin | 3.6141% | 4,262 |
| Noninterest income to average assets | 0.7143% | 2,797 |
| Noninterest expense to average assets | 3.1378% | 3,239 |
| Loan and lease loss provision to assets | 0.4252% | 2,797 |
| Net operating income to assets | 0.4932% | 4,450 |
| Return on assets (ROA) | 0.4932% | 4,638 |
| Pretax return on assets | 0.5102% | 5,057 |
| Return on Equity (ROE) | 5.0490% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.0490% | 3,094 |
| Net charge-offs to loans | 0.0739% | 4,444 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,319 |
| Efficiency ratio | 77.0355% | 3,326 |
| Assets per employee ($millions) | 3.0345% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,673 |
| Loan loss allowance to noncurrent loans | 31.5146% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 2.1894% | 2,610 |
| Noncurrent loans to loans | 3.8683% | 1,581 |
| Net loans and leases to total assets | 55.9091% | 6,251 |
| Net loans and leases to deposits | 67.7930% | 6,205 |
| Net loans and leases to core deposits | 88.6744% | 5,678 |
| Total domestic deposits to total assets | 82.4703% | 4,385 |
| Equity capital to assets | 10.0552% | 3,935 |
| Core capital (leverage) ratio | 10.0346% | 3,373 |
| Tier 1 risk-based capital ratio | 16.5453% | 2,499 |
| Total risk-based capital ratio | 17.6960% | 2,475 |
| Memoranda: | ||
| Average total assets | $47,040,000 | 6,987 |
| Average earning assets | $43,717,500 | 6,946 |
| Average equity | $4,595,000 | 7,259 |
| Average total loans | $27,073,500 | 6,932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2454% | 4,266 |
| Cost of funding earning assets | 2.9206% | 2,171 |
| Net interest margin | 3.3248% | 5,949 |
| Noninterest income to average assets | 0.8697% | 2,110 |
| Noninterest expense to average assets | 3.4964% | 2,408 |
| Loan and lease loss provision to assets | 0.2229% | 4,658 |
| Net operating income to assets | 0.2535% | 5,700 |
| Return on assets (ROA) | 0.2535% | 5,514 |
| Pretax return on assets | 0.1879% | 5,758 |
| Return on Equity (ROE) | 2.9885% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.9885% | 3,310 |
| Net charge-offs to loans | 0.9276% | 1,336 |
| Credit loss provision to net charge-offs | 41.1290% | 6,443 |
| Earnings coverage of net charge-offs (x) | 0.7581% | 5,771 |
| Efficiency ratio | 89.4855% | 1,558 |
| Assets per employee ($millions) | 3.0352% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,367 |
| Loan loss allowance to noncurrent loans | 41.3105% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 1.5419% | 3,139 |
| Noncurrent loans to loans | 2.6325% | 2,060 |
| Net loans and leases to total assets | 57.9358% | 6,202 |
| Net loans and leases to deposits | 70.3781% | 6,235 |
| Net loans and leases to core deposits | 86.7864% | 6,076 |
| Total domestic deposits to total assets | 82.3208% | 4,078 |
| Equity capital to assets | 9.4623% | 4,740 |
| Core capital (leverage) ratio | 9.0665% | 4,645 |
| Tier 1 risk-based capital ratio | 13.4100% | 3,869 |
| Total risk-based capital ratio | 14.3678% | 3,958 |
| Memoranda: | ||
| Average total assets | $45,762,000 | 6,948 |
| Average earning assets | $41,806,800 | 6,956 |
| Average equity | $3,881,600 | 7,557 |
| Average total loans | $26,736,400 | 6,918 |