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 | 4.3682% | 3,332 |
| Cost of funding earning assets | 0.6489% | 4,001 |
| Net interest margin | 3.7193% | 1,720 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.3798% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7452% | 3,059 |
| Return on assets (ROA) | 0.6768% | 3,229 |
| Pretax return on assets | 0.7037% | 3,427 |
| Return on Equity (ROE) | 12.8700% | 1,763 |
| Retained earnings to average equity (ytd only) | 6.5480% | 2,046 |
| Net charge-offs to loans | -0.0519% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3472% | 822 |
| Assets per employee ($millions) | 5.8850% | 2,917 |
| Cash dividends to net income (ytd only)* | 49.1054% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6182% | 74 |
| Loan loss allowance to noncurrent loans | 3,258.1395% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,209 |
| Noncurrent loans to loans | 0.1111% | 2,974 |
| Net loans and leases to total assets | 48.7800% | 3,675 |
| Net loans and leases to deposits | 52.3797% | 3,864 |
| Net loans and leases to core deposits | 54.9058% | 3,946 |
| Total domestic deposits to total assets | 93.1300% | 159 |
| Equity capital to assets | 6.6636% | 4,061 |
| Core capital (leverage) ratio | 15.0213% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,323,600 | 4,075 |
| Average earning assets | $71,815,000 | 4,021 |
| Average equity | $3,909,600 | 4,362 |
| Average total loans | $36,581,200 | 4,046 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 3,329 |
| Cost of funding earning assets | 0.5996% | 3,972 |
| Net interest margin | 3.6776% | 1,827 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.2981% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8058% | 3,006 |
| Return on assets (ROA) | 0.7138% | 3,269 |
| Pretax return on assets | 0.7409% | 3,470 |
| Return on Equity (ROE) | 14.5800% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.0459% | 1,952 |
| Net charge-offs to loans | -0.0518% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.7640% | 868 |
| Assets per employee ($millions) | 5.4859% | 3,190 |
| Cash dividends to net income (ytd only)* | 44.8101% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6682% | 68 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,203 |
| Noncurrent loans to loans | 0.1155% | 2,994 |
| Net loans and leases to total assets | 51.4400% | 3,533 |
| Net loans and leases to deposits | 53.3815% | 3,815 |
| Net loans and leases to core deposits | 55.3165% | 3,887 |
| Total domestic deposits to total assets | 96.3700% | 67 |
| Equity capital to assets | 3.0890% | 4,487 |
| Core capital (leverage) ratio | 15.2581% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $73,778,250 | 4,098 |
| Average earning assets | $71,384,750 | 4,040 |
| Average equity | $3,612,500 | 4,398 |
| Average total loans | $36,046,250 | 4,069 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,345 |
| Cost of funding earning assets | 0.5518% | 3,879 |
| Net interest margin | 3.6243% | 1,978 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.2279% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7450% | 3,232 |
| Return on assets (ROA) | 0.6086% | 3,560 |
| Pretax return on assets | 0.6354% | 3,733 |
| Return on Equity (ROE) | 11.1200% | 2,387 |
| Retained earnings to average equity (ytd only) | 5.1441% | 2,910 |
| Net charge-offs to loans | -0.0622% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.5890% | 805 |
| Assets per employee ($millions) | 5.6772% | 2,999 |
| Cash dividends to net income (ytd only)* | 53.7445% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7453% | 72 |
| Loan loss allowance to noncurrent loans | 3,028.2609% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,139 |
| Noncurrent loans to loans | 0.1237% | 2,854 |
| Net loans and leases to total assets | 48.5100% | 3,660 |
| Net loans and leases to deposits | 51.6274% | 3,853 |
| Net loans and leases to core deposits | 52.7394% | 3,928 |
| Total domestic deposits to total assets | 93.9600% | 154 |
| Equity capital to assets | 5.6623% | 4,248 |
| Core capital (leverage) ratio | 14.8085% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $74,598,667 | 4,105 |
| Average earning assets | $72,124,000 | 4,051 |
| Average equity | $4,082,333 | 4,385 |
| Average total loans | $35,367,000 | 4,089 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 3,297 |
| Cost of funding earning assets | 0.4409% | 3,860 |
| Net interest margin | 3.6372% | 2,040 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.1468% | 869 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8229% | 3,124 |
| Return on assets (ROA) | 0.7307% | 3,358 |
| Pretax return on assets | 0.7574% | 3,548 |
| Return on Equity (ROE) | 13.5800% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.9073% | 1,486 |
| Net charge-offs to loans | -0.0697% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.6667% | 938 |
| Assets per employee ($millions) | 5.7493% | 2,982 |
| Cash dividends to net income (ytd only)* | 19.7080% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8357% | 69 |
| Loan loss allowance to noncurrent loans | 7,716.6667% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,551 |
| Noncurrent loans to loans | 0.0497% | 3,386 |
| Net loans and leases to total assets | 46.5900% | 3,743 |
| Net loans and leases to deposits | 51.1328% | 3,839 |
| Net loans and leases to core deposits | 51.6340% | 3,928 |
| Total domestic deposits to total assets | 91.1200% | 762 |
| Equity capital to assets | 5.9673% | 4,213 |
| Core capital (leverage) ratio | 14.4195% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $74,996,000 | 4,161 |
| Average earning assets | $72,582,500 | 4,102 |
| Average equity | $4,034,000 | 4,448 |
| Average total loans | $34,454,000 | 4,162 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 2,692 |
| Cost of funding earning assets | 0.2716% | 3,140 |
| Net interest margin | 3.3650% | 2,364 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 3.0317% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6769% | 3,684 |
| Return on assets (ROA) | 0.6807% | 3,626 |
| Pretax return on assets | 0.7068% | 3,833 |
| Return on Equity (ROE) | 9.1400% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.8489% | 3,115 |
| Net charge-offs to loans | -0.2283% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.1802% | 642 |
| Assets per employee ($millions) | 5.3751% | 3,346 |
| Cash dividends to net income (ytd only)* | 46.9349% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2268% | 57 |
| Loan loss allowance to noncurrent loans | 13,820.0000% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,741 |
| Noncurrent loans to loans | 0.0306% | 3,564 |
| Net loans and leases to total assets | 41.6100% | 3,999 |
| Net loans and leases to deposits | 43.7689% | 4,124 |
| Net loans and leases to core deposits | 44.1745% | 4,172 |
| Total domestic deposits to total assets | 95.0700% | 132 |
| Equity capital to assets | 4.7946% | 4,414 |
| Core capital (leverage) ratio | 14.2639% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $76,689,000 | 4,161 |
| Average earning assets | $74,383,200 | 4,105 |
| Average equity | $5,712,600 | 4,360 |
| Average total loans | $31,104,200 | 4,223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 2,578 |
| Cost of funding earning assets | 0.2457% | 2,752 |
| Net interest margin | 3.2677% | 2,399 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.9020% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7166% | 3,520 |
| Return on assets (ROA) | 0.7216% | 3,454 |
| Pretax return on assets | 0.7476% | 3,698 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 5.1718% | 3,036 |
| Net charge-offs to loans | -0.2432% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.6296% | 794 |
| Assets per employee ($millions) | 6.1542% | 2,620 |
| Cash dividends to net income (ytd only)* | 41.9664% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0666% | 66 |
| Loan loss allowance to noncurrent loans | 3,179.0698% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,311 |
| Noncurrent loans to loans | 0.1279% | 2,995 |
| Net loans and leases to total assets | 43.6700% | 3,897 |
| Net loans and leases to deposits | 45.5925% | 4,045 |
| Net loans and leases to core deposits | 46.0193% | 4,109 |
| Total domestic deposits to total assets | 95.7800% | 147 |
| Equity capital to assets | 3.6371% | 4,527 |
| Core capital (leverage) ratio | 14.2565% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $77,048,500 | 4,186 |
| Average earning assets | $74,872,750 | 4,128 |
| Average equity | $6,238,750 | 4,345 |
| Average total loans | $30,706,250 | 4,255 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 2,460 |
| Cost of funding earning assets | 0.2266% | 2,561 |
| Net interest margin | 3.1666% | 2,301 |
| Noninterest income to average assets | 0.4378% | 2,521 |
| Noninterest expense to average assets | 2.8164% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6737% | 3,401 |
| Return on assets (ROA) | 0.6811% | 3,330 |
| Pretax return on assets | 0.7067% | 3,557 |
| Return on Equity (ROE) | 7.1669% | 3,262 |
| Retained earnings to average equity (ytd only) | 3.7990% | 3,161 |
| Net charge-offs to loans | -0.3699% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1165% | 938 |
| Assets per employee ($millions) | 5.8358% | 2,886 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3335% | 56 |
| Loan loss allowance to noncurrent loans | 1,313.4615% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,756 |
| Noncurrent loans to loans | 0.3299% | 2,157 |
| Net loans and leases to total assets | 39.7496% | 4,082 |
| Net loans and leases to deposits | 42.4445% | 4,179 |
| Net loans and leases to core deposits | 42.8395% | 4,235 |
| Total domestic deposits to total assets | 93.6506% | 359 |
| Equity capital to assets | 5.9988% | 4,199 |
| Core capital (leverage) ratio | 13.7501% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,114,667 | 4,224 |
| Average earning assets | $75,918,333 | 4,172 |
| Average equity | $7,423,000 | 4,262 |
| Average total loans | $29,736,667 | 4,319 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2078% | 2,664 |
| Cost of funding earning assets | 0.2132% | 2,622 |
| Net interest margin | 2.9946% | 2,518 |
| Noninterest income to average assets | 0.4038% | 2,664 |
| Noninterest expense to average assets | 2.8319% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4543% | 3,835 |
| Return on assets (ROA) | 0.4543% | 3,802 |
| Pretax return on assets | 0.4796% | 3,904 |
| Return on Equity (ROE) | 4.0637% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.1606% | 3,208 |
| Net charge-offs to loans | -0.0693% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5183% | 766 |
| Assets per employee ($millions) | 6.2160% | 2,620 |
| Cash dividends to net income (ytd only)* | 22.2222% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4950% | 53 |
| Loan loss allowance to noncurrent loans | 606.4516% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 2,065 |
| Noncurrent loans to loans | 0.7412% | 1,289 |
| Net loans and leases to total assets | 34.6018% | 4,282 |
| Net loans and leases to deposits | 37.9544% | 4,326 |
| Net loans and leases to core deposits | 38.2943% | 4,364 |
| Total domestic deposits to total assets | 91.1667% | 947 |
| Equity capital to assets | 8.6068% | 3,069 |
| Core capital (leverage) ratio | 13.0224% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,239,500 | 4,231 |
| Average earning assets | $76,938,000 | 4,173 |
| Average equity | $8,859,000 | 4,171 |
| Average total loans | $28,844,000 | 4,355 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 2,392 |
| Cost of funding earning assets | 0.2565% | 2,852 |
| Net interest margin | 3.3426% | 2,198 |
| Noninterest income to average assets | 0.4950% | 2,593 |
| Noninterest expense to average assets | 3.0749% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6388% | 3,775 |
| Return on assets (ROA) | 0.6609% | 3,773 |
| Pretax return on assets | 0.6868% | 3,954 |
| Return on Equity (ROE) | 4.4305% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.1514% | 3,941 |
| Net charge-offs to loans | -0.0563% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2481% | 659 |
| Assets per employee ($millions) | 5.9747% | 2,802 |
| Cash dividends to net income (ytd only)* | 51.4403% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6144% | 50 |
| Loan loss allowance to noncurrent loans | 500.3817% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 1,881 |
| Noncurrent loans to loans | 0.9222% | 1,098 |
| Net loans and leases to total assets | 34.8908% | 4,335 |
| Net loans and leases to deposits | 40.5622% | 4,324 |
| Net loans and leases to core deposits | 40.9632% | 4,372 |
| Total domestic deposits to total assets | 86.0179% | 2,899 |
| Equity capital to assets | 13.8572% | 693 |
| Core capital (leverage) ratio | 13.6512% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8289% | 160 |
| Memoranda: | ||
| Average total assets | $73,531,000 | 4,301 |
| Average earning assets | $71,351,400 | 4,245 |
| Average equity | $10,969,400 | 4,041 |
| Average total loans | $28,429,200 | 4,411 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 2,210 |
| Cost of funding earning assets | 0.2669% | 2,936 |
| Net interest margin | 3.4571% | 1,988 |
| Noninterest income to average assets | 0.4966% | 2,633 |
| Noninterest expense to average assets | 3.0622% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7660% | 3,609 |
| Return on assets (ROA) | 0.7963% | 3,602 |
| Pretax return on assets | 0.8239% | 3,846 |
| Return on Equity (ROE) | 5.2384% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.0607% | 3,889 |
| Net charge-offs to loans | -0.1641% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4370% | 781 |
| Assets per employee ($millions) | 5.7058% | 2,985 |
| Cash dividends to net income (ytd only)* | 41.5704% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5047% | 53 |
| Loan loss allowance to noncurrent loans | 347.2585% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 1,478 |
| Noncurrent loans to loans | 1.2972% | 834 |
| Net loans and leases to total assets | 38.0115% | 4,297 |
| Net loans and leases to deposits | 44.8116% | 4,283 |
| Net loans and leases to core deposits | 45.2808% | 4,344 |
| Total domestic deposits to total assets | 84.8251% | 3,173 |
| Equity capital to assets | 14.7017% | 598 |
| Core capital (leverage) ratio | 14.4968% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5928% | 201 |
| Memoranda: | ||
| Average total assets | $72,496,000 | 4,363 |
| Average earning assets | $70,424,000 | 4,312 |
| Average equity | $11,021,000 | 4,084 |
| Average total loans | $28,433,750 | 4,466 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 2,460 |
| Cost of funding earning assets | 0.2743% | 3,053 |
| Net interest margin | 3.3777% | 2,211 |
| Noninterest income to average assets | 0.5116% | 2,576 |
| Noninterest expense to average assets | 3.0638% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7081% | 3,741 |
| Return on assets (ROA) | 0.7534% | 3,703 |
| Pretax return on assets | 0.7812% | 3,908 |
| Return on Equity (ROE) | 4.9007% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.0019% | 3,838 |
| Net charge-offs to loans | -0.1781% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6735% | 745 |
| Assets per employee ($millions) | 5.9901% | 2,622 |
| Cash dividends to net income (ytd only)* | 38.7454% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4071% | 52 |
| Loan loss allowance to noncurrent loans | 9,428.5714% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,152 |
| Noncurrent loans to loans | 0.0467% | 3,943 |
| Net loans and leases to total assets | 39.8325% | 4,293 |
| Net loans and leases to deposits | 47.3765% | 4,253 |
| Net loans and leases to core deposits | 47.8932% | 4,332 |
| Total domestic deposits to total assets | 84.0765% | 3,412 |
| Equity capital to assets | 15.3740% | 478 |
| Core capital (leverage) ratio | 14.4555% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1917% | 157 |
| Memoranda: | ||
| Average total assets | $71,936,333 | 4,400 |
| Average earning assets | $69,988,333 | 4,340 |
| Average equity | $11,059,667 | 4,091 |
| Average total loans | $28,070,000 | 4,505 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 3,641 |
| Cost of funding earning assets | 0.2800% | 3,190 |
| Net interest margin | 2.9430% | 3,400 |
| Noninterest income to average assets | 0.5670% | 2,342 |
| Noninterest expense to average assets | 3.0460% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3557% | 4,435 |
| Return on assets (ROA) | 0.3557% | 4,464 |
| Pretax return on assets | 0.3835% | 4,507 |
| Return on Equity (ROE) | 2.3138% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.5907% | 4,102 |
| Net charge-offs to loans | -0.2212% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8169% | 413 |
| Assets per employee ($millions) | 6.0868% | 2,511 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7117% | 46 |
| Loan loss allowance to noncurrent loans | 6,550.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,170 |
| Noncurrent loans to loans | 0.0719% | 3,931 |
| Net loans and leases to total assets | 36.2714% | 4,487 |
| Net loans and leases to deposits | 42.7575% | 4,467 |
| Net loans and leases to core deposits | 43.2108% | 4,521 |
| Total domestic deposits to total assets | 84.8304% | 3,176 |
| Equity capital to assets | 14.6712% | 548 |
| Core capital (leverage) ratio | 14.4095% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2000% | 189 |
| Memoranda: | ||
| Average total assets | $71,964,000 | 4,412 |
| Average earning assets | $69,997,000 | 4,358 |
| Average equity | $11,064,000 | 4,101 |
| Average total loans | $27,129,000 | 4,549 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 3,302 |
| Cost of funding earning assets | 0.3642% | 3,794 |
| Net interest margin | 3.4356% | 2,653 |
| Noninterest income to average assets | 0.5303% | 2,509 |
| Noninterest expense to average assets | 3.3540% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4644% | 4,110 |
| Return on assets (ROA) | 0.4714% | 4,176 |
| Pretax return on assets | 0.5046% | 4,260 |
| Return on Equity (ROE) | 2.7817% | 4,427 |
| Retained earnings to average equity (ytd only) | 0.6419% | 4,330 |
| Net charge-offs to loans | -0.3626% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0930% | 485 |
| Assets per employee ($millions) | 5.0634% | 3,326 |
| Cash dividends to net income (ytd only)* | 76.9231% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8951% | 42 |
| Loan loss allowance to noncurrent loans | 1,992.3077% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,859 |
| Noncurrent loans to loans | 0.2457% | 3,315 |
| Net loans and leases to total assets | 35.4931% | 4,604 |
| Net loans and leases to deposits | 42.3847% | 4,584 |
| Net loans and leases to core deposits | 42.8540% | 4,633 |
| Total domestic deposits to total assets | 83.7403% | 3,190 |
| Equity capital to assets | 16.0989% | 415 |
| Core capital (leverage) ratio | 14.9760% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6987% | 180 |
| Memoranda: | ||
| Average total assets | $66,189,000 | 4,429 |
| Average earning assets | $63,976,800 | 4,387 |
| Average equity | $11,216,000 | 4,055 |
| Average total loans | $27,577,200 | 4,564 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 3,569 |
| Cost of funding earning assets | 0.3864% | 3,889 |
| Net interest margin | 3.4141% | 2,873 |
| Noninterest income to average assets | 0.5004% | 2,613 |
| Noninterest expense to average assets | 3.4166% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3455% | 4,365 |
| Return on assets (ROA) | 0.3548% | 4,404 |
| Pretax return on assets | 0.3917% | 4,443 |
| Return on Equity (ROE) | 2.0656% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.2149% | 4,442 |
| Net charge-offs to loans | -0.3781% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9568% | 364 |
| Assets per employee ($millions) | 4.6851% | 3,620 |
| Cash dividends to net income (ytd only)* | 89.5954% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4614% | 50 |
| Loan loss allowance to noncurrent loans | 3,538.8889% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,165 |
| Noncurrent loans to loans | 0.1261% | 3,877 |
| Net loans and leases to total assets | 41.5935% | 4,513 |
| Net loans and leases to deposits | 50.5840% | 4,471 |
| Net loans and leases to core deposits | 51.1992% | 4,547 |
| Total domestic deposits to total assets | 82.2265% | 3,360 |
| Equity capital to assets | 17.1987% | 356 |
| Core capital (leverage) ratio | 15.4562% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5429% | 195 |
| Memoranda: | ||
| Average total assets | $65,014,500 | 4,456 |
| Average earning assets | $62,797,250 | 4,417 |
| Average equity | $11,167,000 | 4,068 |
| Average total loans | $27,857,750 | 4,584 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,713 |
| Cost of funding earning assets | 0.4066% | 4,009 |
| Net interest margin | 3.4549% | 2,933 |
| Noninterest income to average assets | 0.4875% | 2,620 |
| Noninterest expense to average assets | 3.3939% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3872% | 4,257 |
| Return on assets (ROA) | 0.4042% | 4,287 |
| Pretax return on assets | 0.4412% | 4,348 |
| Return on Equity (ROE) | 2.3542% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.9948% | 3,759 |
| Net charge-offs to loans | -0.1158% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9248% | 416 |
| Assets per employee ($millions) | 4.7399% | 3,487 |
| Cash dividends to net income (ytd only)* | 15.2672% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2141% | 57 |
| Loan loss allowance to noncurrent loans | 2,328.8462% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,133 |
| Noncurrent loans to loans | 0.1810% | 3,727 |
| Net loans and leases to total assets | 41.4811% | 4,548 |
| Net loans and leases to deposits | 50.3798% | 4,513 |
| Net loans and leases to core deposits | 50.9845% | 4,601 |
| Total domestic deposits to total assets | 82.3367% | 3,279 |
| Equity capital to assets | 17.2021% | 358 |
| Core capital (leverage) ratio | 15.8711% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4822% | 190 |
| Memoranda: | ||
| Average total assets | $64,822,000 | 4,471 |
| Average earning assets | $62,462,667 | 4,434 |
| Average equity | $11,129,000 | 4,085 |
| Average total loans | $27,625,000 | 4,604 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 3,857 |
| Cost of funding earning assets | 0.4353% | 4,217 |
| Net interest margin | 3.5412% | 2,844 |
| Noninterest income to average assets | 0.5058% | 2,522 |
| Noninterest expense to average assets | 3.4346% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4371% | 4,054 |
| Return on assets (ROA) | 0.4371% | 4,099 |
| Pretax return on assets | 0.4746% | 4,162 |
| Return on Equity (ROE) | 2.5487% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.8205% | 3,506 |
| Net charge-offs to loans | -0.3251% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8594% | 590 |
| Assets per employee ($millions) | 4.6402% | 3,074 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4698% | 54 |
| Loan loss allowance to noncurrent loans | 643.9153% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,287 |
| Noncurrent loans to loans | 0.6942% | 2,258 |
| Net loans and leases to total assets | 40.0382% | 4,664 |
| Net loans and leases to deposits | 48.6205% | 4,641 |
| Net loans and leases to core deposits | 49.2148% | 4,695 |
| Total domestic deposits to total assets | 82.3484% | 3,319 |
| Equity capital to assets | 17.3391% | 406 |
| Core capital (leverage) ratio | 16.2547% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8063% | 198 |
| Memoranda: | ||
| Average total assets | $64,054,000 | 4,497 |
| Average earning assets | $61,561,000 | 4,458 |
| Average equity | $10,986,000 | 4,120 |
| Average total loans | $27,069,000 | 4,653 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 3,793 |
| Cost of funding earning assets | 0.4338% | 4,324 |
| Net interest margin | 3.7755% | 2,587 |
| Noninterest income to average assets | 0.5699% | 2,370 |
| Noninterest expense to average assets | 3.5085% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6663% | 3,965 |
| Return on assets (ROA) | 0.6878% | 3,968 |
| Pretax return on assets | 0.7233% | 4,154 |
| Return on Equity (ROE) | 4.0262% | 4,451 |
| Retained earnings to average equity (ytd only) | -1.6917% | 4,858 |
| Net charge-offs to loans | 0.1699% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 9.0417% | 2,708 |
| Efficiency ratio | 83.3525% | 697 |
| Assets per employee ($millions) | 4.5104% | 3,202 |
| Cash dividends to net income (ytd only)* | 142.0188% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4406% | 45 |
| Loan loss allowance to noncurrent loans | 3,734.3750% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,382 |
| Noncurrent loans to loans | 0.1189% | 4,058 |
| Net loans and leases to total assets | 40.7253% | 4,708 |
| Net loans and leases to deposits | 49.1486% | 4,708 |
| Net loans and leases to core deposits | 49.7601% | 4,762 |
| Total domestic deposits to total assets | 82.8617% | 3,244 |
| Equity capital to assets | 16.9578% | 473 |
| Core capital (leverage) ratio | 16.4653% | 465 |
| Tier 1 risk-based capital ratio | 33.4348% | 375 |
| Total risk-based capital ratio | 34.7166% | 369 |
| Memoranda: | ||
| Average total assets | $61,935,600 | 4,564 |
| Average earning assets | $59,700,600 | 4,519 |
| Average equity | $10,580,800 | 4,169 |
| Average total loans | $28,245,600 | 4,678 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 3,973 |
| Cost of funding earning assets | 0.4363% | 4,379 |
| Net interest margin | 3.7414% | 2,781 |
| Noninterest income to average assets | 0.5819% | 2,303 |
| Noninterest expense to average assets | 3.4980% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6635% | 4,124 |
| Return on assets (ROA) | 0.6923% | 4,094 |
| Pretax return on assets | 0.7312% | 4,277 |
| Return on Equity (ROE) | 4.0446% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.4535% | 4,449 |
| Net charge-offs to loans | -0.2053% | 5,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3076% | 662 |
| Assets per employee ($millions) | 4.3220% | 3,451 |
| Cash dividends to net income (ytd only)* | 64.0627% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5172% | 47 |
| Loan loss allowance to noncurrent loans | 1,430.0000% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,002 |
| Noncurrent loans to loans | 0.3159% | 3,398 |
| Net loans and leases to total assets | 44.9593% | 4,657 |
| Net loans and leases to deposits | 55.2916% | 4,585 |
| Net loans and leases to core deposits | 56.0226% | 4,683 |
| Total domestic deposits to total assets | 81.3132% | 3,659 |
| Equity capital to assets | 18.1298% | 385 |
| Core capital (leverage) ratio | 17.2018% | 410 |
| Tier 1 risk-based capital ratio | 33.7602% | 379 |
| Total risk-based capital ratio | 35.0442% | 373 |
| Memoranda: | ||
| Average total assets | $61,633,250 | 4,630 |
| Average earning assets | $59,584,750 | 4,578 |
| Average equity | $10,549,000 | 4,223 |
| Average total loans | $28,579,250 | 4,738 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 4,109 |
| Cost of funding earning assets | 0.4238% | 4,420 |
| Net interest margin | 3.6977% | 2,934 |
| Noninterest income to average assets | 0.5644% | 2,318 |
| Noninterest expense to average assets | 3.4641% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6354% | 4,206 |
| Return on assets (ROA) | 0.6354% | 4,253 |
| Pretax return on assets | 0.6741% | 4,395 |
| Return on Equity (ROE) | 3.7853% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.3835% | 4,325 |
| Net charge-offs to loans | -0.1258% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7101% | 674 |
| Assets per employee ($millions) | 4.7984% | 2,741 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3644% | 51 |
| Loan loss allowance to noncurrent loans | 550.6550% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,057 |
| Noncurrent loans to loans | 0.7926% | 2,009 |
| Net loans and leases to total assets | 44.2970% | 4,710 |
| Net loans and leases to deposits | 53.8017% | 4,686 |
| Net loans and leases to core deposits | 54.4773% | 4,768 |
| Total domestic deposits to total assets | 82.3338% | 3,429 |
| Equity capital to assets | 17.2542% | 443 |
| Core capital (leverage) ratio | 17.0121% | 433 |
| Tier 1 risk-based capital ratio | 33.0151% | 389 |
| Total risk-based capital ratio | 34.2975% | 383 |
| Memoranda: | ||
| Average total assets | $62,008,330 | 4,659 |
| Average earning assets | $59,928,670 | 4,610 |
| Average equity | $10,408,670 | 4,250 |
| Average total loans | $28,608,670 | 4,773 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 4,004 |
| Cost of funding earning assets | 0.4089% | 4,447 |
| Net interest margin | 3.7404% | 2,745 |
| Noninterest income to average assets | 0.5564% | 2,249 |
| Noninterest expense to average assets | 3.5197% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6082% | 4,211 |
| Return on assets (ROA) | 0.6082% | 4,252 |
| Pretax return on assets | 0.6470% | 4,425 |
| Return on Equity (ROE) | 3.6749% | 4,641 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,040 |
| Net charge-offs to loans | -0.0703% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4720% | 674 |
| Assets per employee ($millions) | 4.7972% | 2,795 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3819% | 48 |
| Loan loss allowance to noncurrent loans | 540.2597% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,111 |
| Noncurrent loans to loans | 0.8111% | 2,016 |
| Net loans and leases to total assets | 43.6678% | 4,758 |
| Net loans and leases to deposits | 52.7067% | 4,723 |
| Net loans and leases to core deposits | 53.3646% | 4,805 |
| Total domestic deposits to total assets | 82.8507% | 3,439 |
| Equity capital to assets | 16.8495% | 464 |
| Core capital (leverage) ratio | 16.9949% | 422 |
| Tier 1 risk-based capital ratio | 32.6068% | 397 |
| Total risk-based capital ratio | 33.8911% | 390 |
| Memoranda: | ||
| Average total assets | $61,823,000 | 4,709 |
| Average earning assets | $59,673,000 | 4,657 |
| Average equity | $10,231,500 | 4,292 |
| Average total loans | $28,466,500 | 4,826 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 3,419 |
| Cost of funding earning assets | 0.3588% | 4,224 |
| Net interest margin | 3.8499% | 2,502 |
| Noninterest income to average assets | 0.6548% | 2,029 |
| Noninterest expense to average assets | 3.5670% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7575% | 3,943 |
| Return on assets (ROA) | 0.7590% | 3,942 |
| Pretax return on assets | 0.7948% | 4,184 |
| Return on Equity (ROE) | 4.6807% | 4,534 |
| Retained earnings to average equity (ytd only) | 0.7132% | 4,796 |
| Net charge-offs to loans | 0.2068% | 926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.8548% | 2,950 |
| Efficiency ratio | 81.8080% | 820 |
| Assets per employee ($millions) | 4.7140% | 2,855 |
| Cash dividends to net income (ytd only)* | 84.7639% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3688% | 42 |
| Loan loss allowance to noncurrent loans | 393.3544% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 2,530 |
| Noncurrent loans to loans | 1.1106% | 1,459 |
| Net loans and leases to total assets | 44.3997% | 4,802 |
| Net loans and leases to deposits | 53.1582% | 4,779 |
| Net loans and leases to core deposits | 53.8227% | 4,851 |
| Total domestic deposits to total assets | 83.5237% | 3,155 |
| Equity capital to assets | 16.2446% | 497 |
| Core capital (leverage) ratio | 17.3173% | 378 |
| Tier 1 risk-based capital ratio | 32.9106% | 369 |
| Total risk-based capital ratio | 34.1945% | 363 |
| Memoranda: | ||
| Average total assets | $61,396,600 | 4,736 |
| Average earning assets | $59,092,000 | 4,687 |
| Average equity | $9,955,800 | 4,302 |
| Average total loans | $29,974,800 | 4,820 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 3,248 |
| Cost of funding earning assets | 0.3497% | 4,184 |
| Net interest margin | 3.8711% | 2,401 |
| Noninterest income to average assets | 0.6620% | 2,018 |
| Noninterest expense to average assets | 3.5533% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7945% | 3,922 |
| Return on assets (ROA) | 0.7966% | 3,923 |
| Pretax return on assets | 0.8357% | 4,206 |
| Return on Equity (ROE) | 4.9148% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.2990% | 4,779 |
| Net charge-offs to loans | 0.2591% | 644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.5089% | 2,877 |
| Efficiency ratio | 80.9995% | 859 |
| Assets per employee ($millions) | 4.5281% | 3,078 |
| Cash dividends to net income (ytd only)* | 73.5694% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2132% | 53 |
| Loan loss allowance to noncurrent loans | 498.4000% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 2,993 |
| Noncurrent loans to loans | 0.8453% | 2,015 |
| Net loans and leases to total assets | 48.1237% | 4,712 |
| Net loans and leases to deposits | 58.0373% | 4,641 |
| Net loans and leases to core deposits | 58.7986% | 4,749 |
| Total domestic deposits to total assets | 82.9185% | 3,334 |
| Equity capital to assets | 16.3782% | 474 |
| Core capital (leverage) ratio | 17.5300% | 371 |
| Tier 1 risk-based capital ratio | 32.6353% | 377 |
| Total risk-based capital ratio | 33.9178% | 374 |
| Memoranda: | ||
| Average total assets | $61,425,250 | 4,785 |
| Average earning assets | $59,103,500 | 4,734 |
| Average equity | $9,956,000 | 4,346 |
| Average total loans | $30,355,500 | 4,860 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,117 |
| Cost of funding earning assets | 0.3435% | 4,114 |
| Net interest margin | 3.8550% | 2,365 |
| Noninterest income to average assets | 0.6519% | 2,084 |
| Noninterest expense to average assets | 3.4586% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8672% | 3,595 |
| Return on assets (ROA) | 0.8703% | 3,586 |
| Pretax return on assets | 0.9088% | 3,937 |
| Return on Equity (ROE) | 5.3871% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.5108% | 4,637 |
| Net charge-offs to loans | 0.4703% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 2,841 |
| Efficiency ratio | 79.2494% | 1,093 |
| Assets per employee ($millions) | 4.3899% | 3,292 |
| Cash dividends to net income (ytd only)* | 71.9557% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1802% | 53 |
| Loan loss allowance to noncurrent loans | 450.3650% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 2,943 |
| Noncurrent loans to loans | 0.9282% | 1,868 |
| Net loans and leases to total assets | 46.0242% | 4,827 |
| Net loans and leases to deposits | 55.0869% | 4,794 |
| Net loans and leases to core deposits | 55.7700% | 4,875 |
| Total domestic deposits to total assets | 83.5484% | 3,234 |
| Equity capital to assets | 16.0660% | 493 |
| Core capital (leverage) ratio | 16.9329% | 403 |
| Tier 1 risk-based capital ratio | 31.8346% | 418 |
| Total risk-based capital ratio | 33.1184% | 409 |
| Memoranda: | ||
| Average total assets | $62,278,670 | 4,824 |
| Average earning assets | $59,973,330 | 4,765 |
| Average equity | $10,061,000 | 4,373 |
| Average total loans | $30,616,000 | 4,911 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 2,996 |
| Cost of funding earning assets | 0.3176% | 4,212 |
| Net interest margin | 3.8515% | 2,217 |
| Noninterest income to average assets | 0.6445% | 2,058 |
| Noninterest expense to average assets | 3.4009% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9188% | 3,209 |
| Return on assets (ROA) | 0.9188% | 3,221 |
| Pretax return on assets | 0.9571% | 3,678 |
| Return on Equity (ROE) | 5.6724% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,564 |
| Net charge-offs to loans | 0.0898% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,434 |
| Efficiency ratio | 78.0381% | 1,352 |
| Assets per employee ($millions) | 4.5452% | 3,083 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1443% | 59 |
| Loan loss allowance to noncurrent loans | 645.7711% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 3,566 |
| Noncurrent loans to loans | 0.6418% | 2,617 |
| Net loans and leases to total assets | 47.1799% | 4,743 |
| Net loans and leases to deposits | 56.1295% | 4,681 |
| Net loans and leases to core deposits | 57.1630% | 4,789 |
| Total domestic deposits to total assets | 84.0554% | 3,308 |
| Equity capital to assets | 15.6805% | 542 |
| Core capital (leverage) ratio | 16.7084% | 412 |
| Tier 1 risk-based capital ratio | 29.9166% | 475 |
| Total risk-based capital ratio | 31.1964% | 466 |
| Memoranda: | ||
| Average total assets | $62,688,500 | 4,878 |
| Average earning assets | $60,444,000 | 4,814 |
| Average equity | $10,154,500 | 4,405 |
| Average total loans | $31,164,000 | 4,945 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,274 |
| Cost of funding earning assets | 0.3284% | 3,890 |
| Net interest margin | 3.7119% | 2,752 |
| Noninterest income to average assets | 0.6532% | 2,181 |
| Noninterest expense to average assets | 3.4396% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7424% | 3,417 |
| Return on assets (ROA) | 0.7727% | 3,330 |
| Pretax return on assets | 0.8109% | 4,213 |
| Return on Equity (ROE) | 4.7075% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.2521% | 4,525 |
| Net charge-offs to loans | -0.1523% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5332% | 963 |
| Assets per employee ($millions) | 4.4103% | 3,337 |
| Cash dividends to net income (ytd only)* | 73.4021% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2086% | 51 |
| Loan loss allowance to noncurrent loans | 567.3913% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,374 |
| Noncurrent loans to loans | 0.7417% | 2,353 |
| Net loans and leases to total assets | 48.1067% | 4,759 |
| Net loans and leases to deposits | 57.8837% | 4,693 |
| Net loans and leases to core deposits | 58.9907% | 4,803 |
| Total domestic deposits to total assets | 83.1093% | 3,521 |
| Equity capital to assets | 16.7320% | 424 |
| Core capital (leverage) ratio | 16.5846% | 407 |
| Tier 1 risk-based capital ratio | 30.1371% | 458 |
| Total risk-based capital ratio | 31.4191% | 453 |
| Memoranda: | ||
| Average total assets | $62,769,600 | 4,908 |
| Average earning assets | $60,291,800 | 4,849 |
| Average equity | $10,302,800 | 4,404 |
| Average total loans | $30,206,600 | 5,019 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,328 |
| Cost of funding earning assets | 0.3282% | 3,861 |
| Net interest margin | 3.6802% | 2,824 |
| Noninterest income to average assets | 0.6114% | 2,415 |
| Noninterest expense to average assets | 3.4186% | 1,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6916% | 4,020 |
| Return on assets (ROA) | 0.7277% | 3,900 |
| Pretax return on assets | 0.7658% | 4,439 |
| Return on Equity (ROE) | 4.4548% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.9583% | 4,989 |
| Net charge-offs to loans | -0.2222% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4490% | 880 |
| Assets per employee ($millions) | 4.4441% | 3,248 |
| Cash dividends to net income (ytd only)* | 78.4873% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2104% | 58 |
| Loan loss allowance to noncurrent loans | 571.6157% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,558 |
| Noncurrent loans to loans | 0.7366% | 2,517 |
| Net loans and leases to total assets | 47.8656% | 4,836 |
| Net loans and leases to deposits | 57.9014% | 4,764 |
| Net loans and leases to core deposits | 59.0050% | 4,865 |
| Total domestic deposits to total assets | 82.6674% | 3,560 |
| Equity capital to assets | 16.8633% | 446 |
| Core capital (leverage) ratio | 16.5757% | 417 |
| Tier 1 risk-based capital ratio | 30.0686% | 473 |
| Total risk-based capital ratio | 31.3486% | 469 |
| Memoranda: | ||
| Average total assets | $63,026,000 | 4,955 |
| Average earning assets | $60,538,000 | 4,898 |
| Average equity | $10,295,750 | 4,445 |
| Average total loans | $30,006,250 | 5,078 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,344 |
| Cost of funding earning assets | 0.3293% | 3,802 |
| Net interest margin | 3.6322% | 2,906 |
| Noninterest income to average assets | 0.5909% | 2,506 |
| Noninterest expense to average assets | 3.3968% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6436% | 4,114 |
| Return on assets (ROA) | 0.6857% | 3,972 |
| Pretax return on assets | 0.7236% | 4,490 |
| Return on Equity (ROE) | 4.2423% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.4301% | 4,990 |
| Net charge-offs to loans | -0.0877% | 5,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 891 |
| Assets per employee ($millions) | 4.2206% | 3,582 |
| Cash dividends to net income (ytd only)* | 89.8618% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1664% | 59 |
| Loan loss allowance to noncurrent loans | 250.8876% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 2,207 |
| Noncurrent loans to loans | 1.6607% | 1,109 |
| Net loans and leases to total assets | 46.2146% | 4,943 |
| Net loans and leases to deposits | 56.5066% | 4,836 |
| Net loans and leases to core deposits | 57.5730% | 4,932 |
| Total domestic deposits to total assets | 81.7862% | 3,947 |
| Equity capital to assets | 16.5648% | 460 |
| Core capital (leverage) ratio | 16.3969% | 430 |
| Tier 1 risk-based capital ratio | 30.1512% | 460 |
| Total risk-based capital ratio | 31.4295% | 458 |
| Memoranda: | ||
| Average total assets | $63,295,330 | 4,986 |
| Average earning assets | $60,735,000 | 4,932 |
| Average equity | $10,230,330 | 4,478 |
| Average total loans | $29,645,000 | 5,130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8946% | 3,419 |
| Cost of funding earning assets | 0.3224% | 3,829 |
| Net interest margin | 3.5722% | 2,995 |
| Noninterest income to average assets | 0.5562% | 2,629 |
| Noninterest expense to average assets | 3.3497% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6039% | 4,142 |
| Return on assets (ROA) | 0.6699% | 3,876 |
| Pretax return on assets | 0.7079% | 4,428 |
| Return on Equity (ROE) | 4.1972% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.6133% | 4,093 |
| Net charge-offs to loans | -0.0959% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9937% | 971 |
| Assets per employee ($millions) | 4.5398% | 3,102 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3338% | 65 |
| Loan loss allowance to noncurrent loans | 467.1587% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,479 |
| Noncurrent loans to loans | 0.9277% | 2,184 |
| Net loans and leases to total assets | 43.9700% | 5,044 |
| Net loans and leases to deposits | 52.5874% | 5,007 |
| Net loans and leases to core deposits | 53.5528% | 5,086 |
| Total domestic deposits to total assets | 83.6131% | 3,619 |
| Equity capital to assets | 16.1430% | 469 |
| Core capital (leverage) ratio | 16.3759% | 416 |
| Tier 1 risk-based capital ratio | 31.2404% | 436 |
| Total risk-based capital ratio | 32.5233% | 432 |
| Memoranda: | ||
| Average total assets | $63,288,500 | 5,045 |
| Average earning assets | $60,802,500 | 4,975 |
| Average equity | $10,102,000 | 4,525 |
| Average total loans | $29,202,500 | 5,187 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 3,001 |
| Cost of funding earning assets | 0.3538% | 3,478 |
| Net interest margin | 3.7026% | 2,682 |
| Noninterest income to average assets | 0.7522% | 1,948 |
| Noninterest expense to average assets | 3.4145% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8595% | 3,029 |
| Return on assets (ROA) | 0.8656% | 3,113 |
| Pretax return on assets | 0.9039% | 3,842 |
| Return on Equity (ROE) | 5.0869% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.0418% | 4,900 |
| Net charge-offs to loans | -0.3017% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1852% | 1,526 |
| Assets per employee ($millions) | 4.8477% | 2,576 |
| Cash dividends to net income (ytd only)* | 79.5203% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3127% | 64 |
| Loan loss allowance to noncurrent loans | 462.8676% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,542 |
| Noncurrent loans to loans | 0.9317% | 2,228 |
| Net loans and leases to total assets | 44.3256% | 5,095 |
| Net loans and leases to deposits | 52.7136% | 5,081 |
| Net loans and leases to core deposits | 53.6790% | 5,162 |
| Total domestic deposits to total assets | 84.0876% | 3,395 |
| Equity capital to assets | 15.7791% | 523 |
| Core capital (leverage) ratio | 16.3048% | 427 |
| Tier 1 risk-based capital ratio | 31.1676% | 434 |
| Total risk-based capital ratio | 32.4496% | 427 |
| Memoranda: | ||
| Average total assets | $62,616,200 | 5,081 |
| Average earning assets | $60,201,200 | 5,011 |
| Average equity | $10,654,800 | 4,469 |
| Average total loans | $29,833,000 | 5,190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 2,874 |
| Cost of funding earning assets | 0.3549% | 3,492 |
| Net interest margin | 3.7459% | 2,533 |
| Noninterest income to average assets | 0.7955% | 1,781 |
| Noninterest expense to average assets | 3.3698% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9899% | 2,481 |
| Return on assets (ROA) | 0.9981% | 2,582 |
| Pretax return on assets | 1.0365% | 3,487 |
| Return on Equity (ROE) | 5.7603% | 4,189 |
| Retained earnings to average equity (ytd only) | 1.5140% | 4,906 |
| Net charge-offs to loans | -0.1645% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6246% | 1,889 |
| Assets per employee ($millions) | 4.7932% | 2,618 |
| Cash dividends to net income (ytd only)* | 73.7187% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9167% | 80 |
| Loan loss allowance to noncurrent loans | 335.0000% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 3,168 |
| Noncurrent loans to loans | 1.1692% | 1,917 |
| Net loans and leases to total assets | 47.4796% | 4,992 |
| Net loans and leases to deposits | 57.9859% | 4,876 |
| Net loans and leases to core deposits | 59.0885% | 4,990 |
| Total domestic deposits to total assets | 81.8812% | 3,970 |
| Equity capital to assets | 17.6694% | 375 |
| Core capital (leverage) ratio | 16.5382% | 408 |
| Tier 1 risk-based capital ratio | 29.9428% | 481 |
| Total risk-based capital ratio | 31.2194% | 476 |
| Memoranda: | ||
| Average total assets | $62,515,250 | 5,131 |
| Average earning assets | $60,117,000 | 5,060 |
| Average equity | $10,832,500 | 4,494 |
| Average total loans | $29,993,000 | 5,236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,715 |
| Cost of funding earning assets | 0.3526% | 3,536 |
| Net interest margin | 3.7884% | 2,371 |
| Noninterest income to average assets | 0.9811% | 1,168 |
| Noninterest expense to average assets | 3.3491% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2339% | 1,490 |
| Return on assets (ROA) | 1.2463% | 1,550 |
| Pretax return on assets | 1.2847% | 2,467 |
| Return on Equity (ROE) | 7.2401% | 3,402 |
| Retained earnings to average equity (ytd only) | 2.2277% | 4,458 |
| Net charge-offs to loans | -0.1547% | 5,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4758% | 2,589 |
| Assets per employee ($millions) | 4.4604% | 3,102 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9890% | 80 |
| Loan loss allowance to noncurrent loans | 346.5116% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 3,209 |
| Noncurrent loans to loans | 1.1512% | 1,994 |
| Net loans and leases to total assets | 45.9437% | 5,128 |
| Net loans and leases to deposits | 56.1536% | 5,001 |
| Net loans and leases to core deposits | 57.2152% | 5,114 |
| Total domestic deposits to total assets | 81.8179% | 4,047 |
| Equity capital to assets | 17.8250% | 354 |
| Core capital (leverage) ratio | 16.6002% | 392 |
| Tier 1 risk-based capital ratio | 30.8377% | 463 |
| Total risk-based capital ratio | 32.1169% | 456 |
| Memoranda: | ||
| Average total assets | $62,583,330 | 5,184 |
| Average earning assets | $60,131,670 | 5,106 |
| Average equity | $10,773,330 | 4,529 |
| Average total loans | $29,727,000 | 5,303 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,150 |
| Cost of funding earning assets | 0.3602% | 3,498 |
| Net interest margin | 3.9358% | 1,829 |
| Noninterest income to average assets | 0.5363% | 2,891 |
| Noninterest expense to average assets | 3.3455% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9204% | 2,648 |
| Return on assets (ROA) | 0.9449% | 2,647 |
| Pretax return on assets | 0.9832% | 3,544 |
| Return on Equity (ROE) | 5.5878% | 4,182 |
| Retained earnings to average equity (ytd only) | 4.6439% | 3,154 |
| Net charge-offs to loans | -0.1214% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7448% | 1,931 |
| Assets per employee ($millions) | 4.5115% | 3,048 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0777% | 86 |
| Loan loss allowance to noncurrent loans | 456.5891% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 3,740 |
| Noncurrent loans to loans | 0.8931% | 2,611 |
| Net loans and leases to total assets | 43.8736% | 5,245 |
| Net loans and leases to deposits | 53.0954% | 5,157 |
| Net loans and leases to core deposits | 54.0755% | 5,251 |
| Total domestic deposits to total assets | 82.6317% | 4,024 |
| Equity capital to assets | 17.1134% | 410 |
| Core capital (leverage) ratio | 16.3341% | 434 |
| Tier 1 risk-based capital ratio | 31.3394% | 451 |
| Total risk-based capital ratio | 32.6147% | 449 |
| Memoranda: | ||
| Average total assets | $62,652,000 | 5,230 |
| Average earning assets | $59,962,500 | 5,161 |
| Average equity | $10,594,500 | 4,571 |
| Average total loans | $29,649,500 | 5,350 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 2,874 |
| Cost of funding earning assets | 0.3878% | 3,285 |
| Net interest margin | 3.7232% | 2,664 |
| Noninterest income to average assets | 0.5303% | 3,135 |
| Noninterest expense to average assets | 3.4184% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6558% | 4,014 |
| Return on assets (ROA) | 0.7907% | 3,455 |
| Pretax return on assets | 0.8259% | 4,113 |
| Return on Equity (ROE) | 4.7795% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.1146% | 4,518 |
| Net charge-offs to loans | -0.2132% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3009% | 1,247 |
| Assets per employee ($millions) | 4.4388% | 3,140 |
| Cash dividends to net income (ytd only)* | 55.7576% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8441% | 93 |
| Loan loss allowance to noncurrent loans | 351.0511% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 3,090 |
| Noncurrent loans to loans | 1.0950% | 2,150 |
| Net loans and leases to total assets | 47.0544% | 5,087 |
| Net loans and leases to deposits | 57.6348% | 4,936 |
| Net loans and leases to core deposits | 58.7263% | 5,062 |
| Total domestic deposits to total assets | 81.6423% | 4,289 |
| Equity capital to assets | 16.7034% | 441 |
| Core capital (leverage) ratio | 16.3739% | 424 |
| Tier 1 risk-based capital ratio | 30.2998% | 491 |
| Total risk-based capital ratio | 31.5774% | 483 |
| Memoranda: | ||
| Average total assets | $62,601,800 | 5,257 |
| Average earning assets | $60,083,200 | 5,188 |
| Average equity | $10,356,800 | 4,587 |
| Average total loans | $29,547,600 | 5,374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 2,981 |
| Cost of funding earning assets | 0.3930% | 3,295 |
| Net interest margin | 3.6980% | 2,780 |
| Noninterest income to average assets | 0.5485% | 3,062 |
| Noninterest expense to average assets | 3.2952% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7801% | 3,528 |
| Return on assets (ROA) | 0.8801% | 3,125 |
| Pretax return on assets | 0.9184% | 3,921 |
| Return on Equity (ROE) | 5.3327% | 4,473 |
| Retained earnings to average equity (ytd only) | 2.8853% | 4,395 |
| Net charge-offs to loans | -0.1091% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1862% | 1,639 |
| Assets per employee ($millions) | 4.7246% | 2,661 |
| Cash dividends to net income (ytd only)* | 45.8939% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7435% | 114 |
| Loan loss allowance to noncurrent loans | 399.2933% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 3,348 |
| Noncurrent loans to loans | 0.9375% | 2,628 |
| Net loans and leases to total assets | 47.3071% | 5,132 |
| Net loans and leases to deposits | 57.4547% | 5,039 |
| Net loans and leases to core deposits | 58.5452% | 5,156 |
| Total domestic deposits to total assets | 82.3380% | 4,058 |
| Equity capital to assets | 17.2305% | 411 |
| Core capital (leverage) ratio | 16.5622% | 421 |
| Tier 1 risk-based capital ratio | 30.9473% | 470 |
| Total risk-based capital ratio | 32.2242% | 465 |
| Memoranda: | ||
| Average total assets | $62,716,500 | 5,317 |
| Average earning assets | $60,391,000 | 5,241 |
| Average equity | $10,351,000 | 4,643 |
| Average total loans | $29,332,000 | 5,448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,010 |
| Cost of funding earning assets | 0.3980% | 3,296 |
| Net interest margin | 3.6710% | 2,833 |
| Noninterest income to average assets | 0.5099% | 3,308 |
| Noninterest expense to average assets | 3.2368% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7732% | 3,520 |
| Return on assets (ROA) | 0.8583% | 3,194 |
| Pretax return on assets | 0.8963% | 3,971 |
| Return on Equity (ROE) | 5.2756% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.9396% | 4,164 |
| Net charge-offs to loans | -0.0826% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0313% | 1,758 |
| Assets per employee ($millions) | 4.4347% | 3,090 |
| Cash dividends to net income (ytd only)* | 44.2804% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9029% | 111 |
| Loan loss allowance to noncurrent loans | 360.6452% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 2,958 |
| Noncurrent loans to loans | 1.0822% | 2,487 |
| Net loans and leases to total assets | 44.3369% | 5,363 |
| Net loans and leases to deposits | 53.9872% | 5,256 |
| Net loans and leases to core deposits | 54.9990% | 5,371 |
| Total domestic deposits to total assets | 82.1248% | 4,254 |
| Equity capital to assets | 16.1776% | 505 |
| Core capital (leverage) ratio | 15.9792% | 467 |
| Tier 1 risk-based capital ratio | 31.6306% | 470 |
| Total risk-based capital ratio | 32.9076% | 464 |
| Memoranda: | ||
| Average total assets | $63,148,670 | 5,368 |
| Average earning assets | $60,801,330 | 5,286 |
| Average equity | $10,273,670 | 4,688 |
| Average total loans | $29,047,330 | 5,519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,086 |
| Cost of funding earning assets | 0.3981% | 3,326 |
| Net interest margin | 3.6414% | 2,850 |
| Noninterest income to average assets | 0.6156% | 2,571 |
| Noninterest expense to average assets | 3.2161% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8731% | 2,882 |
| Return on assets (ROA) | 1.0239% | 2,297 |
| Pretax return on assets | 1.0616% | 3,257 |
| Return on Equity (ROE) | 6.2762% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.3136% | 2,879 |
| Net charge-offs to loans | -0.1504% | 5,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0488% | 2,180 |
| Assets per employee ($millions) | 4.9762% | 2,389 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9593% | 133 |
| Loan loss allowance to noncurrent loans | 334.4311% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9723% | 2,673 |
| Noncurrent loans to loans | 1.1839% | 2,403 |
| Net loans and leases to total assets | 41.8837% | 5,496 |
| Net loans and leases to deposits | 50.2196% | 5,447 |
| Net loans and leases to core deposits | 51.1072% | 5,536 |
| Total domestic deposits to total assets | 83.4011% | 4,045 |
| Equity capital to assets | 16.3500% | 501 |
| Core capital (leverage) ratio | 15.5692% | 522 |
| Tier 1 risk-based capital ratio | 31.2610% | 485 |
| Total risk-based capital ratio | 32.5372% | 480 |
| Memoranda: | ||
| Average total assets | $63,680,000 | 5,406 |
| Average earning assets | $61,295,500 | 5,319 |
| Average equity | $10,388,500 | 4,709 |
| Average total loans | $29,248,500 | 5,551 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 2,316 |
| Cost of funding earning assets | 0.4563% | 3,109 |
| Net interest margin | 3.9153% | 2,174 |
| Noninterest income to average assets | 0.5592% | 3,126 |
| Noninterest expense to average assets | 3.4334% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8425% | 3,161 |
| Return on assets (ROA) | 0.9862% | 2,528 |
| Pretax return on assets | 1.0197% | 3,420 |
| Return on Equity (ROE) | 6.3799% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.4424% | 3,760 |
| Net charge-offs to loans | 0.5889% | 681 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.0559% | 3,990 |
| Efficiency ratio | 79.7557% | 1,970 |
| Assets per employee ($millions) | 4.1779% | 3,583 |
| Cash dividends to net income (ytd only)* | 46.0420% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 164 |
| Loan loss allowance to noncurrent loans | 440.6375% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 3,032 |
| Noncurrent loans to loans | 0.8288% | 3,239 |
| Net loans and leases to total assets | 46.5605% | 5,280 |
| Net loans and leases to deposits | 55.7319% | 5,198 |
| Net loans and leases to core deposits | 57.0236% | 5,313 |
| Total domestic deposits to total assets | 83.5437% | 3,903 |
| Equity capital to assets | 16.2760% | 505 |
| Core capital (leverage) ratio | 15.9422% | 473 |
| Tier 1 risk-based capital ratio | 30.1189% | 505 |
| Total risk-based capital ratio | 31.3956% | 502 |
| Memoranda: | ||
| Average total assets | $62,765,400 | 5,481 |
| Average earning assets | $60,047,000 | 5,392 |
| Average equity | $9,702,400 | 4,816 |
| Average total loans | $30,395,200 | 5,550 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 2,240 |
| Cost of funding earning assets | 0.4664% | 3,087 |
| Net interest margin | 3.9292% | 2,120 |
| Noninterest income to average assets | 0.6052% | 2,836 |
| Noninterest expense to average assets | 3.3104% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0123% | 2,395 |
| Return on assets (ROA) | 1.2019% | 1,743 |
| Pretax return on assets | 1.2486% | 2,580 |
| Return on Equity (ROE) | 7.8790% | 3,277 |
| Retained earnings to average equity (ytd only) | 5.0253% | 3,059 |
| Net charge-offs to loans | 0.8984% | 360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.4146% | 3,918 |
| Efficiency ratio | 75.9007% | 2,507 |
| Assets per employee ($millions) | 4.3096% | 3,283 |
| Cash dividends to net income (ytd only)* | 36.2194% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5714% | 220 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 2,897 |
| Noncurrent loans to loans | 0.9921% | 3,091 |
| Net loans and leases to total assets | 48.3310% | 5,176 |
| Net loans and leases to deposits | 58.2885% | 5,082 |
| Net loans and leases to core deposits | 59.7027% | 5,215 |
| Total domestic deposits to total assets | 82.9168% | 4,179 |
| Equity capital to assets | 16.5777% | 481 |
| Core capital (leverage) ratio | 15.9468% | 486 |
| Tier 1 risk-based capital ratio | 30.4708% | 500 |
| Total risk-based capital ratio | 31.7468% | 493 |
| Memoranda: | ||
| Average total assets | $62,789,500 | 5,542 |
| Average earning assets | $60,028,500 | 5,456 |
| Average equity | $9,578,000 | 4,878 |
| Average total loans | $30,422,750 | 5,602 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,325 |
| Cost of funding earning assets | 0.4744% | 3,070 |
| Net interest margin | 3.8874% | 2,225 |
| Noninterest income to average assets | 0.5974% | 2,823 |
| Noninterest expense to average assets | 3.2700% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0011% | 2,318 |
| Return on assets (ROA) | 1.2577% | 1,489 |
| Pretax return on assets | 1.3049% | 2,236 |
| Return on Equity (ROE) | 8.4776% | 2,847 |
| Retained earnings to average equity (ytd only) | 5.5104% | 2,626 |
| Net charge-offs to loans | 1.1285% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.9186% | 3,687 |
| Efficiency ratio | 75.9124% | 2,656 |
| Assets per employee ($millions) | 4.2089% | 3,440 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6549% | 223 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 2,324 |
| Noncurrent loans to loans | 1.8619% | 1,845 |
| Net loans and leases to total assets | 46.4710% | 5,318 |
| Net loans and leases to deposits | 55.6000% | 5,226 |
| Net loans and leases to core deposits | 57.1498% | 5,328 |
| Total domestic deposits to total assets | 83.5810% | 4,079 |
| Equity capital to assets | 15.6873% | 597 |
| Core capital (leverage) ratio | 15.3807% | 547 |
| Tier 1 risk-based capital ratio | 29.8893% | 526 |
| Total risk-based capital ratio | 31.1657% | 520 |
| Memoranda: | ||
| Average total assets | $63,608,000 | 5,571 |
| Average earning assets | $60,709,000 | 5,485 |
| Average equity | $9,436,670 | 4,923 |
| Average total loans | $30,483,670 | 5,645 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 2,241 |
| Cost of funding earning assets | 0.4864% | 3,049 |
| Net interest margin | 3.8910% | 2,115 |
| Noninterest income to average assets | 0.6077% | 2,692 |
| Noninterest expense to average assets | 3.1952% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0829% | 1,885 |
| Return on assets (ROA) | 1.2530% | 1,395 |
| Pretax return on assets | 1.2969% | 2,108 |
| Return on Equity (ROE) | 8.6928% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.6062% | 1,768 |
| Net charge-offs to loans | -0.1705% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0203% | 3,142 |
| Assets per employee ($millions) | 4.6269% | 2,758 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3212% | 150 |
| Loan loss allowance to noncurrent loans | 194.3114% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5299% | 2,310 |
| Noncurrent loans to loans | 2.2238% | 1,626 |
| Net loans and leases to total assets | 44.3683% | 5,475 |
| Net loans and leases to deposits | 52.2251% | 5,442 |
| Net loans and leases to core deposits | 53.6725% | 5,523 |
| Total domestic deposits to total assets | 84.9558% | 3,889 |
| Equity capital to assets | 14.6968% | 736 |
| Core capital (leverage) ratio | 15.0672% | 595 |
| Tier 1 risk-based capital ratio | 30.2561% | 516 |
| Total risk-based capital ratio | 31.5410% | 507 |
| Memoranda: | ||
| Average total assets | $63,845,000 | 5,624 |
| Average earning assets | $60,859,000 | 5,543 |
| Average equity | $9,203,000 | 4,999 |
| Average total loans | $30,499,500 | 5,697 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 2,656 |
| Cost of funding earning assets | 0.5506% | 3,103 |
| Net interest margin | 3.8301% | 2,534 |
| Noninterest income to average assets | 0.5949% | 3,122 |
| Noninterest expense to average assets | 3.1128% | 2,693 |
| Loan and lease loss provision to assets | 0.0466% | 4,192 |
| Net operating income to assets | 1.0611% | 2,075 |
| Return on assets (ROA) | 1.1044% | 1,988 |
| Pretax return on assets | 1.1541% | 2,758 |
| Return on Equity (ROE) | 7.1879% | 3,458 |
| Retained earnings to average equity (ytd only) | 0.1618% | 5,779 |
| Net charge-offs to loans | 0.6316% | 1,035 |
| Credit loss provision to net charge-offs | 15.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 3,769 |
| Efficiency ratio | 72.9258% | 3,303 |
| Assets per employee ($millions) | 4.4939% | 2,909 |
| Cash dividends to net income (ytd only)* | 97.7496% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1504% | 182 |
| Loan loss allowance to noncurrent loans | 152.9762% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.8215% | 2,017 |
| Noncurrent loans to loans | 2.7131% | 1,341 |
| Net loans and leases to total assets | 47.1692% | 5,372 |
| Net loans and leases to deposits | 55.1281% | 5,379 |
| Net loans and leases to core deposits | 56.6877% | 5,483 |
| Total domestic deposits to total assets | 85.5628% | 3,479 |
| Equity capital to assets | 14.1240% | 870 |
| Core capital (leverage) ratio | 15.2098% | 583 |
| Tier 1 risk-based capital ratio | 29.3795% | 529 |
| Total risk-based capital ratio | 30.6619% | 522 |
| Memoranda: | ||
| Average total assets | $64,380,200 | 5,642 |
| Average earning assets | $61,747,600 | 5,544 |
| Average equity | $9,891,600 | 4,876 |
| Average total loans | $31,667,800 | 5,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,662 |
| Cost of funding earning assets | 0.5603% | 3,161 |
| Net interest margin | 3.8169% | 2,585 |
| Noninterest income to average assets | 0.5910% | 3,211 |
| Noninterest expense to average assets | 2.9880% | 3,033 |
| Loan and lease loss provision to assets | 0.0618% | 3,807 |
| Net operating income to assets | 1.1482% | 1,822 |
| Return on assets (ROA) | 1.1717% | 1,805 |
| Pretax return on assets | 1.2273% | 2,590 |
| Return on Equity (ROE) | 7.4795% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.2590% | 3,651 |
| Net charge-offs to loans | 0.0963% | 3,597 |
| Credit loss provision to net charge-offs | 130.4348% | 1,809 |
| Earnings coverage of net charge-offs (x) | 26.6922% | 1,342 |
| Efficiency ratio | 70.2663% | 3,712 |
| Assets per employee ($millions) | 4.4293% | 2,992 |
| Cash dividends to net income (ytd only)* | 43.0581% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7138% | 141 |
| Loan loss allowance to noncurrent loans | 143.3333% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1706% | 1,840 |
| Noncurrent loans to loans | 3.2887% | 1,185 |
| Net loans and leases to total assets | 47.6584% | 5,386 |
| Net loans and leases to deposits | 56.8622% | 5,295 |
| Net loans and leases to core deposits | 58.5254% | 5,406 |
| Total domestic deposits to total assets | 83.8139% | 4,276 |
| Equity capital to assets | 15.5652% | 620 |
| Core capital (leverage) ratio | 15.7470% | 525 |
| Tier 1 risk-based capital ratio | 30.7680% | 485 |
| Total risk-based capital ratio | 32.0543% | 482 |
| Memoranda: | ||
| Average total assets | $64,746,750 | 5,691 |
| Average earning assets | $62,107,500 | 5,591 |
| Average equity | $10,143,000 | 4,858 |
| Average total loans | $31,844,500 | 5,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,953 |
| Cost of funding earning assets | 0.5612% | 3,294 |
| Net interest margin | 3.7382% | 2,811 |
| Noninterest income to average assets | 0.5848% | 3,290 |
| Noninterest expense to average assets | 2.9486% | 3,173 |
| Loan and lease loss provision to assets | 0.0914% | 3,266 |
| Net operating income to assets | 1.0832% | 1,978 |
| Return on assets (ROA) | 1.1179% | 1,987 |
| Pretax return on assets | 1.1727% | 2,796 |
| Return on Equity (ROE) | 7.1216% | 3,536 |
| Retained earnings to average equity (ytd only) | 3.8228% | 3,869 |
| Net charge-offs to loans | 0.1992% | 2,566 |
| Credit loss provision to net charge-offs | 93.7500% | 2,357 |
| Earnings coverage of net charge-offs (x) | 12.5938% | 1,967 |
| Efficiency ratio | 70.6054% | 3,711 |
| Assets per employee ($millions) | 4.8481% | 2,299 |
| Cash dividends to net income (ytd only)* | 46.3215% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6348% | 159 |
| Loan loss allowance to noncurrent loans | 133.0586% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 1,920 |
| Noncurrent loans to loans | 3.4833% | 1,225 |
| Net loans and leases to total assets | 47.4367% | 5,380 |
| Net loans and leases to deposits | 56.2735% | 5,304 |
| Net loans and leases to core deposits | 57.8782% | 5,432 |
| Total domestic deposits to total assets | 84.2967% | 4,204 |
| Equity capital to assets | 15.2622% | 663 |
| Core capital (leverage) ratio | 14.9673% | 616 |
| Tier 1 risk-based capital ratio | 30.1834% | 510 |
| Total risk-based capital ratio | 31.4706% | 503 |
| Memoranda: | ||
| Average total assets | $65,659,000 | 5,702 |
| Average earning assets | $63,078,330 | 5,592 |
| Average equity | $10,306,670 | 4,871 |
| Average total loans | $32,121,000 | 5,751 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,323 |
| Cost of funding earning assets | 0.5656% | 3,422 |
| Net interest margin | 3.6295% | 3,143 |
| Noninterest income to average assets | 0.6271% | 2,997 |
| Noninterest expense to average assets | 2.8667% | 3,474 |
| Loan and lease loss provision to assets | 0.1792% | 2,072 |
| Net operating income to assets | 1.0153% | 2,162 |
| Return on assets (ROA) | 1.0153% | 2,279 |
| Pretax return on assets | 1.0690% | 3,081 |
| Return on Equity (ROE) | 6.3847% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,306 |
| Net charge-offs to loans | 0.7260% | 841 |
| Credit loss provision to net charge-offs | 50.8475% | 2,584 |
| Earnings coverage of net charge-offs (x) | 3.5424% | 2,748 |
| Efficiency ratio | 69.6662% | 4,024 |
| Assets per employee ($millions) | 5.2233% | 1,948 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4848% | 197 |
| Loan loss allowance to noncurrent loans | 116.6939% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 2,047 |
| Noncurrent loans to loans | 3.8433% | 1,196 |
| Net loans and leases to total assets | 44.7256% | 5,588 |
| Net loans and leases to deposits | 53.2826% | 5,495 |
| Net loans and leases to core deposits | 54.6921% | 5,627 |
| Total domestic deposits to total assets | 83.9403% | 4,503 |
| Equity capital to assets | 15.6709% | 617 |
| Core capital (leverage) ratio | 14.3521% | 707 |
| Tier 1 risk-based capital ratio | 29.2784% | 565 |
| Total risk-based capital ratio | 30.5651% | 557 |
| Memoranda: | ||
| Average total assets | $66,976,000 | 5,708 |
| Average earning assets | $64,362,000 | 5,604 |
| Average equity | $10,650,500 | 4,848 |
| Average total loans | $32,506,500 | 5,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 2,865 |
| Cost of funding earning assets | 0.7027% | 3,474 |
| Net interest margin | 3.9314% | 2,692 |
| Noninterest income to average assets | 0.4104% | 4,524 |
| Noninterest expense to average assets | 3.0590% | 3,053 |
| Loan and lease loss provision to assets | 0.2272% | 2,861 |
| Net operating income to assets | 0.8859% | 2,886 |
| Return on assets (ROA) | 0.8935% | 3,085 |
| Pretax return on assets | 0.8935% | 3,941 |
| Return on Equity (ROE) | 5.4927% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.8192% | 5,454 |
| Net charge-offs to loans | 0.5629% | 2,046 |
| Credit loss provision to net charge-offs | 81.0811% | 3,788 |
| Earnings coverage of net charge-offs (x) | 3.9730% | 3,531 |
| Efficiency ratio | 73.3212% | 3,187 |
| Assets per employee ($millions) | 5.0807% | 2,122 |
| Cash dividends to net income (ytd only)* | 85.0847% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3803% | 212 |
| Loan loss allowance to noncurrent loans | 109.2342% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 2.5254% | 1,931 |
| Noncurrent loans to loans | 4.0100% | 1,166 |
| Net loans and leases to total assets | 48.0885% | 5,406 |
| Net loans and leases to deposits | 57.5503% | 5,289 |
| Net loans and leases to core deposits | 59.1196% | 5,442 |
| Total domestic deposits to total assets | 83.5592% | 4,514 |
| Equity capital to assets | 16.1395% | 534 |
| Core capital (leverage) ratio | 14.3659% | 705 |
| Tier 1 risk-based capital ratio | 28.3660% | 600 |
| Total risk-based capital ratio | 29.6535% | 583 |
| Memoranda: | ||
| Average total assets | $66,035,000 | 5,738 |
| Average earning assets | $63,183,400 | 5,632 |
| Average equity | $10,741,600 | 4,807 |
| Average total loans | $32,867,800 | 5,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 2,867 |
| Cost of funding earning assets | 0.7283% | 3,534 |
| Net interest margin | 3.9559% | 2,682 |
| Noninterest income to average assets | 0.4099% | 4,556 |
| Noninterest expense to average assets | 3.0025% | 3,221 |
| Loan and lease loss provision to assets | 0.2423% | 2,625 |
| Net operating income to assets | 0.9490% | 2,748 |
| Return on assets (ROA) | 0.9591% | 2,924 |
| Pretax return on assets | 0.9591% | 3,881 |
| Return on Equity (ROE) | 5.8848% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.7628% | 4,899 |
| Net charge-offs to loans | 0.6467% | 1,696 |
| Credit loss provision to net charge-offs | 75.4717% | 3,754 |
| Earnings coverage of net charge-offs (x) | 3.7108% | 3,544 |
| Efficiency ratio | 71.5936% | 3,402 |
| Assets per employee ($millions) | 5.0835% | 2,068 |
| Cash dividends to net income (ytd only)* | 53.0522% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2653% | 251 |
| Loan loss allowance to noncurrent loans | 138.5864% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 2,465 |
| Noncurrent loans to loans | 3.0777% | 1,807 |
| Net loans and leases to total assets | 49.2812% | 5,407 |
| Net loans and leases to deposits | 59.4806% | 5,259 |
| Net loans and leases to core deposits | 61.1101% | 5,447 |
| Total domestic deposits to total assets | 82.8526% | 4,702 |
| Equity capital to assets | 16.6298% | 511 |
| Core capital (leverage) ratio | 14.6306% | 680 |
| Tier 1 risk-based capital ratio | 28.5422% | 612 |
| Total risk-based capital ratio | 29.8284% | 601 |
| Memoranda: | ||
| Average total assets | $66,031,500 | 5,811 |
| Average earning assets | $63,161,750 | 5,693 |
| Average equity | $10,762,000 | 4,857 |
| Average total loans | $32,780,500 | 5,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 2,746 |
| Cost of funding earning assets | 0.7508% | 3,601 |
| Net interest margin | 3.9917% | 2,539 |
| Noninterest income to average assets | 0.3575% | 4,971 |
| Noninterest expense to average assets | 2.9873% | 3,304 |
| Loan and lease loss provision to assets | 0.2727% | 2,400 |
| Net operating income to assets | 0.9150% | 2,837 |
| Return on assets (ROA) | 0.9150% | 3,101 |
| Pretax return on assets | 0.9150% | 4,021 |
| Return on Equity (ROE) | 5.6523% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.3395% | 5,019 |
| Net charge-offs to loans | -1.0443% | 7,179 |
| Credit loss provision to net charge-offs | -53.2544% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5530% | 3,507 |
| Assets per employee ($millions) | 4.7571% | 2,497 |
| Cash dividends to net income (ytd only)* | 58.6093% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3570% | 122 |
| Loan loss allowance to noncurrent loans | 187.2591% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 2,794 |
| Noncurrent loans to loans | 2.8607% | 2,094 |
| Net loans and leases to total assets | 46.3964% | 5,789 |
| Net loans and leases to deposits | 55.6506% | 5,689 |
| Net loans and leases to core deposits | 56.8883% | 5,872 |
| Total domestic deposits to total assets | 83.3709% | 4,589 |
| Equity capital to assets | 16.1486% | 549 |
| Core capital (leverage) ratio | 14.2908% | 738 |
| Tier 1 risk-based capital ratio | 29.2254% | 557 |
| Total risk-based capital ratio | 30.5255% | 545 |
| Memoranda: | ||
| Average total assets | $66,013,330 | 5,847 |
| Average earning assets | $63,131,670 | 5,732 |
| Average equity | $10,686,000 | 4,877 |
| Average total loans | $32,367,670 | 5,943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 2,669 |
| Cost of funding earning assets | 0.7627% | 3,767 |
| Net interest margin | 4.0297% | 2,371 |
| Noninterest income to average assets | 0.2617% | 5,776 |
| Noninterest expense to average assets | 3.0128% | 3,194 |
| Loan and lease loss provision to assets | 0.3652% | 1,727 |
| Net operating income to assets | 0.7425% | 3,665 |
| Return on assets (ROA) | 0.7425% | 3,900 |
| Pretax return on assets | 0.7425% | 4,638 |
| Return on Equity (ROE) | 4.5815% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.5815% | 3,831 |
| Net charge-offs to loans | -2.0356% | 7,253 |
| Credit loss provision to net charge-offs | -36.5854% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1167% | 3,239 |
| Assets per employee ($millions) | 4.8759% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3527% | 130 |
| Loan loss allowance to noncurrent loans | 156.8161% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 2.1857% | 2,705 |
| Noncurrent loans to loans | 3.4134% | 1,840 |
| Net loans and leases to total assets | 44.3974% | 5,969 |
| Net loans and leases to deposits | 52.9186% | 5,906 |
| Net loans and leases to core deposits | 54.0087% | 6,055 |
| Total domestic deposits to total assets | 83.8976% | 4,545 |
| Equity capital to assets | 15.6820% | 622 |
| Core capital (leverage) ratio | 14.4836% | 693 |
| Tier 1 risk-based capital ratio | 29.5095% | 548 |
| Total risk-based capital ratio | 30.8106% | 532 |
| Memoranda: | ||
| Average total assets | $65,720,000 | 5,898 |
| Average earning assets | $62,932,000 | 5,778 |
| Average equity | $10,651,500 | 4,897 |
| Average total loans | $32,227,000 | 5,994 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 1,735 |
| Cost of funding earning assets | 1.0026% | 3,363 |
| Net interest margin | 4.2869% | 1,742 |
| Noninterest income to average assets | 0.5287% | 3,657 |
| Noninterest expense to average assets | 3.2894% | 2,553 |
| Loan and lease loss provision to assets | 0.7954% | 1,244 |
| Net operating income to assets | 0.5528% | 4,219 |
| Return on assets (ROA) | 0.6894% | 3,723 |
| Pretax return on assets | 0.6894% | 4,361 |
| Return on Equity (ROE) | 4.1272% | 4,794 |
| Retained earnings to average equity (ytd only) | 0.7696% | 5,491 |
| Net charge-offs to loans | 0.7222% | 2,350 |
| Credit loss provision to net charge-offs | 209.7458% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.5551% | 3,471 |
| Efficiency ratio | 70.9286% | 3,788 |
| Assets per employee ($millions) | 4.5126% | 2,887 |
| Cash dividends to net income (ytd only)* | 81.3520% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5941% | 240 |
| Loan loss allowance to noncurrent loans | 119.2954% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.6402% | 2,304 |
| Noncurrent loans to loans | 3.8510% | 1,632 |
| Net loans and leases to total assets | 48.9783% | 5,719 |
| Net loans and leases to deposits | 59.1158% | 5,586 |
| Net loans and leases to core deposits | 60.0987% | 5,840 |
| Total domestic deposits to total assets | 82.8514% | 4,811 |
| Equity capital to assets | 16.7751% | 479 |
| Core capital (leverage) ratio | 15.3503% | 548 |
| Tier 1 risk-based capital ratio | 29.3407% | 550 |
| Total risk-based capital ratio | 30.6292% | 538 |
| Memoranda: | ||
| Average total assets | $62,230,800 | 5,976 |
| Average earning assets | $59,647,400 | 5,874 |
| Average equity | $10,394,400 | 4,926 |
| Average total loans | $32,677,400 | 6,033 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 1,942 |
| Cost of funding earning assets | 1.0492% | 3,324 |
| Net interest margin | 4.2305% | 1,988 |
| Noninterest income to average assets | 0.5183% | 3,740 |
| Noninterest expense to average assets | 3.2239% | 2,752 |
| Loan and lease loss provision to assets | 0.8710% | 1,043 |
| Net operating income to assets | 0.4818% | 4,623 |
| Return on assets (ROA) | 0.5635% | 4,424 |
| Pretax return on assets | 0.5635% | 4,920 |
| Return on Equity (ROE) | 3.3772% | 5,281 |
| Retained earnings to average equity (ytd only) | 1.7918% | 5,239 |
| Net charge-offs to loans | 0.6231% | 2,381 |
| Credit loss provision to net charge-offs | 264.7059% | 1,077 |
| Earnings coverage of net charge-offs (x) | 4.1112% | 3,178 |
| Efficiency ratio | 70.4417% | 3,869 |
| Assets per employee ($millions) | 4.4300% | 3,031 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5763% | 248 |
| Loan loss allowance to noncurrent loans | 84.5496% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 3.1441% | 2,032 |
| Noncurrent loans to loans | 5.4126% | 1,104 |
| Net loans and leases to total assets | 49.8597% | 5,718 |
| Net loans and leases to deposits | 60.7883% | 5,541 |
| Net loans and leases to core deposits | 61.5163% | 5,857 |
| Total domestic deposits to total assets | 82.0219% | 5,080 |
| Equity capital to assets | 17.3025% | 458 |
| Core capital (leverage) ratio | 15.3714% | 596 |
| Tier 1 risk-based capital ratio | 30.3372% | 520 |
| Total risk-based capital ratio | 31.6298% | 509 |
| Memoranda: | ||
| Average total assets | $61,994,250 | 6,032 |
| Average earning assets | $59,471,250 | 5,924 |
| Average equity | $10,343,500 | 4,946 |
| Average total loans | $32,738,500 | 6,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 1,779 |
| Cost of funding earning assets | 1.0873% | 3,335 |
| Net interest margin | 4.2453% | 1,860 |
| Noninterest income to average assets | 0.5033% | 3,836 |
| Noninterest expense to average assets | 3.2266% | 2,817 |
| Loan and lease loss provision to assets | 0.8712% | 1,030 |
| Net operating income to assets | 0.4872% | 4,555 |
| Return on assets (ROA) | 0.5743% | 4,313 |
| Pretax return on assets | 0.5743% | 4,831 |
| Return on Equity (ROE) | 3.4853% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.5454% | 4,672 |
| Net charge-offs to loans | 0.5906% | 2,344 |
| Credit loss provision to net charge-offs | 278.3505% | 1,094 |
| Earnings coverage of net charge-offs (x) | 4.3402% | 2,886 |
| Efficiency ratio | 70.3730% | 4,039 |
| Assets per employee ($millions) | 4.4171% | 2,964 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3368% | 325 |
| Loan loss allowance to noncurrent loans | 100.1427% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 2.5841% | 2,578 |
| Noncurrent loans to loans | 4.3306% | 1,558 |
| Net loans and leases to total assets | 50.0809% | 5,806 |
| Net loans and leases to deposits | 60.8149% | 5,635 |
| Net loans and leases to core deposits | 61.5412% | 5,937 |
| Total domestic deposits to total assets | 82.3496% | 5,043 |
| Equity capital to assets | 17.0456% | 478 |
| Core capital (leverage) ratio | 15.3309% | 613 |
| Tier 1 risk-based capital ratio | 30.3091% | 517 |
| Total risk-based capital ratio | 31.5984% | 506 |
| Memoranda: | ||
| Average total assets | $61,985,670 | 6,080 |
| Average earning assets | $59,595,670 | 5,968 |
| Average equity | $10,214,330 | 4,991 |
| Average total loans | $32,849,330 | 6,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 2,197 |
| Cost of funding earning assets | 1.1060% | 3,481 |
| Net interest margin | 4.1021% | 2,258 |
| Noninterest income to average assets | 0.5479% | 3,529 |
| Noninterest expense to average assets | 3.2614% | 2,673 |
| Loan and lease loss provision to assets | 0.8701% | 939 |
| Net operating income to assets | 0.3609% | 5,119 |
| Return on assets (ROA) | 0.3738% | 5,134 |
| Pretax return on assets | 0.3738% | 5,417 |
| Return on Equity (ROE) | 2.3082% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.3082% | 4,769 |
| Net charge-offs to loans | 0.0604% | 4,323 |
| Credit loss provision to net charge-offs | 2,700.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 38.2000% | 707 |
| Efficiency ratio | 72.5968% | 3,751 |
| Assets per employee ($millions) | 4.1596% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2464% | 358 |
| Loan loss allowance to noncurrent loans | 88.6645% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.8080% | 2,454 |
| Noncurrent loans to loans | 4.7892% | 1,424 |
| Net loans and leases to total assets | 49.1874% | 5,939 |
| Net loans and leases to deposits | 59.0988% | 5,813 |
| Net loans and leases to core deposits | 59.7861% | 6,110 |
| Total domestic deposits to total assets | 83.2292% | 4,836 |
| Equity capital to assets | 16.2275% | 535 |
| Core capital (leverage) ratio | 15.1416% | 638 |
| Tier 1 risk-based capital ratio | 30.2111% | 512 |
| Total risk-based capital ratio | 31.4998% | 504 |
| Memoranda: | ||
| Average total assets | $62,058,500 | 6,119 |
| Average earning assets | $59,677,000 | 6,008 |
| Average equity | $10,051,000 | 5,037 |
| Average total loans | $33,087,000 | 6,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 1,718 |
| Cost of funding earning assets | 1.3101% | 3,817 |
| Net interest margin | 4.3495% | 1,648 |
| Noninterest income to average assets | 0.6880% | 2,915 |
| Noninterest expense to average assets | 3.3651% | 2,540 |
| Loan and lease loss provision to assets | 0.7312% | 2,248 |
| Net operating income to assets | 0.7262% | 3,119 |
| Return on assets (ROA) | 0.7262% | 3,246 |
| Pretax return on assets | 0.7461% | 3,812 |
| Return on Equity (ROE) | 4.2775% | 4,395 |
| Retained earnings to average equity (ytd only) | -0.0783% | 5,612 |
| Net charge-offs to loans | 1.3858% | 1,611 |
| Credit loss provision to net charge-offs | 92.2432% | 5,028 |
| Earnings coverage of net charge-offs (x) | 1.8637% | 4,329 |
| Efficiency ratio | 69.4921% | 4,282 |
| Assets per employee ($millions) | 4.1149% | 3,546 |
| Cash dividends to net income (ytd only)* | 101.8307% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6075% | 546 |
| Loan loss allowance to noncurrent loans | 72.2418% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 3.1123% | 2,271 |
| Noncurrent loans to loans | 4.9937% | 1,347 |
| Net loans and leases to total assets | 53.2897% | 5,740 |
| Net loans and leases to deposits | 63.9586% | 5,632 |
| Net loans and leases to core deposits | 64.7098% | 6,000 |
| Total domestic deposits to total assets | 83.3190% | 4,675 |
| Equity capital to assets | 16.1642% | 558 |
| Core capital (leverage) ratio | 15.2216% | 627 |
| Tier 1 risk-based capital ratio | 27.8093% | 625 |
| Total risk-based capital ratio | 29.0879% | 606 |
| Memoranda: | ||
| Average total assets | $60,177,200 | 6,188 |
| Average earning assets | $57,478,200 | 6,079 |
| Average equity | $10,216,200 | 5,074 |
| Average total loans | $34,421,400 | 6,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6758% | 1,791 |
| Cost of funding earning assets | 1.3389% | 3,981 |
| Net interest margin | 4.3369% | 1,725 |
| Noninterest income to average assets | 0.7047% | 2,795 |
| Noninterest expense to average assets | 3.2936% | 2,594 |
| Loan and lease loss provision to assets | 0.6801% | 2,242 |
| Net operating income to assets | 0.8429% | 2,831 |
| Return on assets (ROA) | 0.8429% | 2,961 |
| Pretax return on assets | 0.8697% | 3,667 |
| Return on Equity (ROE) | 4.9045% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.3744% | 4,747 |
| Net charge-offs to loans | 0.1855% | 4,842 |
| Credit loss provision to net charge-offs | 635.4167% | 465 |
| Earnings coverage of net charge-offs (x) | 14.4788% | 1,514 |
| Efficiency ratio | 68.0018% | 4,465 |
| Assets per employee ($millions) | 3.9687% | 3,902 |
| Cash dividends to net income (ytd only)* | 51.5863% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4262% | 264 |
| Loan loss allowance to noncurrent loans | 72.5155% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 3.8971% | 1,811 |
| Noncurrent loans to loans | 6.1038% | 1,014 |
| Net loans and leases to total assets | 55.3140% | 5,653 |
| Net loans and leases to deposits | 67.7342% | 5,457 |
| Net loans and leases to core deposits | 69.5424% | 5,794 |
| Total domestic deposits to total assets | 81.6633% | 5,143 |
| Equity capital to assets | 17.5892% | 453 |
| Core capital (leverage) ratio | 15.9228% | 576 |
| Tier 1 risk-based capital ratio | 28.3915% | 603 |
| Total risk-based capital ratio | 29.6714% | 587 |
| Memoranda: | ||
| Average total assets | $59,790,750 | 6,279 |
| Average earning assets | $57,059,500 | 6,164 |
| Average equity | $10,276,000 | 5,116 |
| Average total loans | $34,496,000 | 6,265 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 2,161 |
| Cost of funding earning assets | 1.3581% | 4,139 |
| Net interest margin | 4.2354% | 2,038 |
| Noninterest income to average assets | 0.7081% | 2,657 |
| Noninterest expense to average assets | 3.3034% | 2,551 |
| Loan and lease loss provision to assets | 0.5678% | 2,503 |
| Net operating income to assets | 0.8384% | 2,787 |
| Return on assets (ROA) | 0.8384% | 2,943 |
| Pretax return on assets | 0.8785% | 3,586 |
| Return on Equity (ROE) | 4.9163% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.7617% | 4,377 |
| Net charge-offs to loans | 0.0753% | 5,391 |
| Credit loss provision to net charge-offs | 1,307.6923% | 302 |
| Earnings coverage of net charge-offs (x) | 33.3077% | 845 |
| Efficiency ratio | 69.5499% | 4,271 |
| Assets per employee ($millions) | 3.9378% | 3,888 |
| Cash dividends to net income (ytd only)* | 43.8247% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1982% | 317 |
| Loan loss allowance to noncurrent loans | 64.4213% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 4.1665% | 1,623 |
| Noncurrent loans to loans | 6.5168% | 916 |
| Net loans and leases to total assets | 55.0527% | 5,837 |
| Net loans and leases to deposits | 67.3432% | 5,636 |
| Net loans and leases to core deposits | 69.2462% | 5,947 |
| Total domestic deposits to total assets | 81.7495% | 5,089 |
| Equity capital to assets | 17.5631% | 467 |
| Core capital (leverage) ratio | 16.1452% | 548 |
| Tier 1 risk-based capital ratio | 28.1913% | 613 |
| Total risk-based capital ratio | 29.4763% | 598 |
| Memoranda: | ||
| Average total assets | $59,877,330 | 6,309 |
| Average earning assets | $57,138,000 | 6,194 |
| Average equity | $10,211,000 | 5,140 |
| Average total loans | $34,510,000 | 6,311 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 1,590 |
| Cost of funding earning assets | 1.3709% | 4,350 |
| Net interest margin | 4.3911% | 1,413 |
| Noninterest income to average assets | 0.7034% | 2,578 |
| Noninterest expense to average assets | 3.2049% | 2,843 |
| Loan and lease loss provision to assets | 0.4977% | 2,513 |
| Net operating income to assets | 1.1413% | 1,700 |
| Return on assets (ROA) | 1.1413% | 1,778 |
| Pretax return on assets | 1.1877% | 2,404 |
| Return on Equity (ROE) | 6.7920% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.7920% | 2,221 |
| Net charge-offs to loans | -0.2184% | 7,690 |
| Credit loss provision to net charge-offs | -394.7368% | 6,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5360% | 5,214 |
| Assets per employee ($millions) | 4.0347% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0453% | 360 |
| Loan loss allowance to noncurrent loans | 67.1929% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 3.7590% | 1,850 |
| Noncurrent loans to loans | 6.0204% | 1,089 |
| Net loans and leases to total assets | 53.3815% | 6,107 |
| Net loans and leases to deposits | 64.7409% | 5,965 |
| Net loans and leases to core deposits | 66.4999% | 6,250 |
| Total domestic deposits to total assets | 82.4540% | 4,867 |
| Equity capital to assets | 16.9330% | 541 |
| Core capital (leverage) ratio | 15.5564% | 649 |
| Tier 1 risk-based capital ratio | 28.2383% | 621 |
| Total risk-based capital ratio | 29.5214% | 608 |
| Memoranda: | ||
| Average total assets | $60,282,500 | 6,367 |
| Average earning assets | $57,480,000 | 6,259 |
| Average equity | $10,129,500 | 5,204 |
| Average total loans | $34,793,500 | 6,387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0614% | 1,634 |
| Cost of funding earning assets | 1.7176% | 4,417 |
| Net interest margin | 4.3438% | 1,592 |
| Noninterest income to average assets | 0.7180% | 2,859 |
| Noninterest expense to average assets | 3.4556% | 2,507 |
| Loan and lease loss provision to assets | 0.4254% | 4,276 |
| Net operating income to assets | 0.9523% | 1,998 |
| Return on assets (ROA) | 0.9817% | 1,955 |
| Pretax return on assets | 1.0243% | 2,512 |
| Return on Equity (ROE) | 5.7827% | 3,299 |
| Retained earnings to average equity (ytd only) | 0.0200% | 4,901 |
| Net charge-offs to loans | 1.1842% | 2,073 |
| Credit loss provision to net charge-offs | 58.8235% | 6,655 |
| Earnings coverage of net charge-offs (x) | 1.9624% | 4,252 |
| Efficiency ratio | 70.8901% | 4,459 |
| Assets per employee ($millions) | 4.0029% | 3,811 |
| Cash dividends to net income (ytd only)* | 99.6534% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5303% | 515 |
| Loan loss allowance to noncurrent loans | 82.5521% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 2.9712% | 2,361 |
| Noncurrent loans to loans | 4.2764% | 1,695 |
| Net loans and leases to total assets | 57.7077% | 5,705 |
| Net loans and leases to deposits | 69.7029% | 5,642 |
| Net loans and leases to core deposits | 79.7377% | 6,128 |
| Total domestic deposits to total assets | 82.7910% | 4,620 |
| Equity capital to assets | 16.6728% | 592 |
| Core capital (leverage) ratio | 15.7327% | 654 |
| Tier 1 risk-based capital ratio | 26.1130% | 753 |
| Total risk-based capital ratio | 27.3901% | 736 |
| Memoranda: | ||
| Average total assets | $58,774,400 | 6,397 |
| Average earning assets | $56,241,400 | 6,282 |
| Average equity | $9,978,000 | 5,301 |
| Average total loans | $35,890,600 | 6,314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0334% | 1,909 |
| Cost of funding earning assets | 1.7860% | 4,443 |
| Net interest margin | 4.2474% | 1,879 |
| Noninterest income to average assets | 0.7025% | 2,998 |
| Noninterest expense to average assets | 3.4144% | 2,534 |
| Loan and lease loss provision to assets | 0.3991% | 3,919 |
| Net operating income to assets | 0.9231% | 2,333 |
| Return on assets (ROA) | 0.9625% | 2,245 |
| Pretax return on assets | 1.0036% | 2,894 |
| Return on Equity (ROE) | 5.6436% | 3,670 |
| Retained earnings to average equity (ytd only) | 1.2972% | 4,597 |
| Net charge-offs to loans | 1.2336% | 1,657 |
| Credit loss provision to net charge-offs | 52.7108% | 6,274 |
| Earnings coverage of net charge-offs (x) | 1.7982% | 4,453 |
| Efficiency ratio | 71.4900% | 4,330 |
| Assets per employee ($millions) | 3.9253% | 3,884 |
| Cash dividends to net income (ytd only)* | 77.0141% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5897% | 383 |
| Loan loss allowance to noncurrent loans | 92.1203% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 2.7921% | 2,487 |
| Noncurrent loans to loans | 3.8967% | 1,892 |
| Net loans and leases to total assets | 58.6600% | 5,781 |
| Net loans and leases to deposits | 71.6502% | 5,706 |
| Net loans and leases to core deposits | 82.3318% | 6,161 |
| Total domestic deposits to total assets | 81.8699% | 4,729 |
| Equity capital to assets | 17.3573% | 581 |
| Core capital (leverage) ratio | 16.0495% | 668 |
| Tier 1 risk-based capital ratio | 26.8271% | 761 |
| Total risk-based capital ratio | 28.0981% | 739 |
| Memoranda: | ||
| Average total assets | $58,457,000 | 6,448 |
| Average earning assets | $56,064,500 | 6,331 |
| Average equity | $9,969,750 | 5,345 |
| Average total loans | $35,883,750 | 6,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 1,985 |
| Cost of funding earning assets | 1.8771% | 4,382 |
| Net interest margin | 4.1725% | 2,085 |
| Noninterest income to average assets | 0.6756% | 3,146 |
| Noninterest expense to average assets | 3.4227% | 2,562 |
| Loan and lease loss provision to assets | 0.3773% | 3,668 |
| Net operating income to assets | 0.8427% | 2,686 |
| Return on assets (ROA) | 0.9020% | 2,553 |
| Pretax return on assets | 0.9397% | 3,212 |
| Return on Equity (ROE) | 5.3205% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.4653% | 5,025 |
| Net charge-offs to loans | 0.8411% | 2,008 |
| Credit loss provision to net charge-offs | 72.8477% | 5,367 |
| Earnings coverage of net charge-offs (x) | 2.4238% | 3,856 |
| Efficiency ratio | 73.1672% | 4,163 |
| Assets per employee ($millions) | 3.8979% | 3,875 |
| Cash dividends to net income (ytd only)* | 91.2548% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9025% | 281 |
| Loan loss allowance to noncurrent loans | 156.9989% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 3,340 |
| Noncurrent loans to loans | 2.4857% | 2,916 |
| Net loans and leases to total assets | 59.0467% | 5,835 |
| Net loans and leases to deposits | 71.7307% | 5,771 |
| Net loans and leases to core deposits | 82.0749% | 6,234 |
| Total domestic deposits to total assets | 82.3171% | 4,561 |
| Equity capital to assets | 16.9218% | 675 |
| Core capital (leverage) ratio | 15.9419% | 752 |
| Tier 1 risk-based capital ratio | 26.9990% | 780 |
| Total risk-based capital ratio | 28.2824% | 763 |
| Memoranda: | ||
| Average total assets | $58,316,000 | 6,502 |
| Average earning assets | $55,938,000 | 6,389 |
| Average equity | $9,886,330 | 5,390 |
| Average total loans | $35,903,330 | 6,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1048% | 1,925 |
| Cost of funding earning assets | 2.0206% | 4,029 |
| Net interest margin | 4.0842% | 2,339 |
| Noninterest income to average assets | 0.7143% | 2,796 |
| Noninterest expense to average assets | 3.2349% | 2,844 |
| Loan and lease loss provision to assets | 0.3434% | 3,269 |
| Net operating income to assets | 1.0096% | 2,272 |
| Return on assets (ROA) | 1.0096% | 2,412 |
| Pretax return on assets | 1.0508% | 3,173 |
| Return on Equity (ROE) | 5.9499% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.5333% | 3,408 |
| Net charge-offs to loans | 0.7355% | 1,711 |
| Credit loss provision to net charge-offs | 75.7576% | 4,259 |
| Earnings coverage of net charge-offs (x) | 3.0758% | 3,287 |
| Efficiency ratio | 69.8813% | 4,608 |
| Assets per employee ($millions) | 3.9287% | 3,814 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0886% | 205 |
| Loan loss allowance to noncurrent loans | 197.6454% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.6189% | 3,491 |
| Noncurrent loans to loans | 2.0686% | 3,170 |
| Net loans and leases to total assets | 56.8047% | 6,129 |
| Net loans and leases to deposits | 68.9481% | 6,082 |
| Net loans and leases to core deposits | 78.1378% | 6,524 |
| Total domestic deposits to total assets | 82.3876% | 4,411 |
| Equity capital to assets | 16.9201% | 732 |
| Core capital (leverage) ratio | 16.0869% | 773 |
| Tier 1 risk-based capital ratio | 27.5444% | 786 |
| Total risk-based capital ratio | 28.8298% | 760 |
| Memoranda: | ||
| Average total assets | $58,239,500 | 6,534 |
| Average earning assets | $55,825,000 | 6,424 |
| Average equity | $9,882,500 | 5,417 |
| Average total loans | $35,892,000 | 6,445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9317% | 1,305 |
| Cost of funding earning assets | 2.5067% | 4,174 |
| Net interest margin | 4.4250% | 1,613 |
| Noninterest income to average assets | 0.7905% | 2,572 |
| Noninterest expense to average assets | 3.2083% | 3,308 |
| Loan and lease loss provision to assets | 0.2132% | 4,761 |
| Net operating income to assets | 1.4709% | 1,074 |
| Return on assets (ROA) | 1.4709% | 1,036 |
| Pretax return on assets | 1.5900% | 1,413 |
| Return on Equity (ROE) | 8.5026% | 2,841 |
| Retained earnings to average equity (ytd only) | -0.2465% | 5,362 |
| Net charge-offs to loans | -0.1139% | 8,107 |
| Credit loss provision to net charge-offs | -279.0698% | 7,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0199% | 5,553 |
| Assets per employee ($millions) | 3.8366% | 3,889 |
| Cash dividends to net income (ytd only)* | 102.8986% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9125% | 201 |
| Loan loss allowance to noncurrent loans | 273.8140% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,584 |
| Noncurrent loans to loans | 1.4289% | 3,659 |
| Net loans and leases to total assets | 61.5806% | 5,687 |
| Net loans and leases to deposits | 74.7895% | 5,762 |
| Net loans and leases to core deposits | 82.6836% | 6,401 |
| Total domestic deposits to total assets | 82.3385% | 4,067 |
| Equity capital to assets | 17.0185% | 781 |
| Core capital (leverage) ratio | 16.6222% | 745 |
| Tier 1 risk-based capital ratio | 26.3875% | 866 |
| Total risk-based capital ratio | 27.6698% | 847 |
| Memoranda: | ||
| Average total assets | $56,291,000 | 6,514 |
| Average earning assets | $53,695,200 | 6,427 |
| Average equity | $9,738,200 | 5,499 |
| Average total loans | $37,762,800 | 6,280 |