Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 866 |
| Cost of funding earning assets | 1.2614% | 2,627 |
| Net interest margin | 4.5081% | 610 |
| Noninterest income to average assets | 1.2000% | 501 |
| Noninterest expense to average assets | 4.1715% | 330 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 0.7750% | 2,961 |
| Return on assets (ROA) | 0.6339% | 3,332 |
| Pretax return on assets | 0.6339% | 3,577 |
| Return on Equity (ROE) | 27.9200% | 214 |
| Retained earnings to average equity (ytd only) | 11.9635% | 638 |
| Net charge-offs to loans | 0.6217% | 159 |
| Credit loss provision to net charge-offs | 99.2284% | 1,860 |
| Earnings coverage of net charge-offs (x) | 3.1281% | 2,657 |
| Efficiency ratio | 78.6091% | 1,020 |
| Assets per employee ($millions) | 4.3340% | 4,029 |
| Cash dividends to net income (ytd only)* | 57.1555% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,350 |
| Loan loss allowance to noncurrent loans | 239.3189% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 1,540 |
| Noncurrent loans to loans | 0.5901% | 1,336 |
| Net loans and leases to total assets | 59.3000% | 2,908 |
| Net loans and leases to deposits | 65.0624% | 3,234 |
| Net loans and leases to core deposits | 69.8782% | 3,313 |
| Total domestic deposits to total assets | 91.1400% | 469 |
| Equity capital to assets | 2.8974% | 4,546 |
| Core capital (leverage) ratio | 8.7272% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7234% | 1,969 |
| Memoranda: | ||
| Average total assets | $178,570,600 | 3,137 |
| Average earning assets | $162,839,600 | 3,150 |
| Average equity | $4,054,000 | 4,353 |
| Average total loans | $104,228,200 | 3,131 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6176% | 892 |
| Cost of funding earning assets | 1.1479% | 2,596 |
| Net interest margin | 4.4697% | 650 |
| Noninterest income to average assets | 1.2100% | 494 |
| Noninterest expense to average assets | 3.8860% | 385 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.1900% | 1,823 |
| Return on assets (ROA) | 1.0010% | 2,350 |
| Pretax return on assets | 1.0010% | 2,863 |
| Return on Equity (ROE) | 47.4400% | 77 |
| Retained earnings to average equity (ytd only) | 30.1940% | 88 |
| Net charge-offs to loans | 0.3744% | 232 |
| Credit loss provision to net charge-offs | 96.1938% | 1,653 |
| Earnings coverage of net charge-offs (x) | 6.4498% | 2,291 |
| Efficiency ratio | 73.5340% | 1,402 |
| Assets per employee ($millions) | 4.2204% | 4,076 |
| Cash dividends to net income (ytd only)* | 36.3568% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,367 |
| Loan loss allowance to noncurrent loans | 206.1580% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 1,377 |
| Noncurrent loans to loans | 0.6891% | 1,195 |
| Net loans and leases to total assets | 60.2900% | 2,815 |
| Net loans and leases to deposits | 63.0252% | 3,326 |
| Net loans and leases to core deposits | 67.9818% | 3,326 |
| Total domestic deposits to total assets | 95.6600% | 92 |
| Equity capital to assets | 1.6485% | 4,555 |
| Core capital (leverage) ratio | 8.9755% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9018% | 1,933 |
| Memoranda: | ||
| Average total assets | $177,692,500 | 3,150 |
| Average earning assets | $162,033,500 | 3,165 |
| Average equity | $3,749,000 | 4,386 |
| Average total loans | $102,914,750 | 3,144 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 909 |
| Cost of funding earning assets | 1.0368% | 2,489 |
| Net interest margin | 4.4069% | 700 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 3.7742% | 413 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.0290% | 2,322 |
| Return on assets (ROA) | 0.9717% | 2,505 |
| Pretax return on assets | 0.9717% | 2,990 |
| Return on Equity (ROE) | 42.9400% | 94 |
| Retained earnings to average equity (ytd only) | 28.4247% | 88 |
| Net charge-offs to loans | 0.3324% | 250 |
| Credit loss provision to net charge-offs | 128.5714% | 1,292 |
| Earnings coverage of net charge-offs (x) | 6.7321% | 2,109 |
| Efficiency ratio | 74.7938% | 1,275 |
| Assets per employee ($millions) | 4.2751% | 4,071 |
| Cash dividends to net income (ytd only)* | 33.7963% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,165 |
| Loan loss allowance to noncurrent loans | 295.3789% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 1,711 |
| Noncurrent loans to loans | 0.5095% | 1,439 |
| Net loans and leases to total assets | 58.2500% | 2,942 |
| Net loans and leases to deposits | 61.2867% | 3,347 |
| Net loans and leases to core deposits | 65.5075% | 3,376 |
| Total domestic deposits to total assets | 95.0400% | 95 |
| Equity capital to assets | 2.3196% | 4,596 |
| Core capital (leverage) ratio | 8.7630% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9893% | 1,902 |
| Memoranda: | ||
| Average total assets | $177,837,667 | 3,155 |
| Average earning assets | $162,426,667 | 3,172 |
| Average equity | $4,024,667 | 4,392 |
| Average total loans | $101,083,667 | 3,167 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 922 |
| Cost of funding earning assets | 0.8295% | 2,603 |
| Net interest margin | 4.3953% | 687 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 3.6479% | 461 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.1662% | 2,033 |
| Return on assets (ROA) | 1.0510% | 2,344 |
| Pretax return on assets | 1.0510% | 2,854 |
| Return on Equity (ROE) | 47.0400% | 89 |
| Retained earnings to average equity (ytd only) | 30.6486% | 110 |
| Net charge-offs to loans | 0.4790% | 173 |
| Credit loss provision to net charge-offs | 81.3559% | 1,209 |
| Earnings coverage of net charge-offs (x) | 5.1864% | 1,825 |
| Efficiency ratio | 72.5067% | 1,493 |
| Assets per employee ($millions) | 4.5176% | 4,013 |
| Cash dividends to net income (ytd only)* | 34.8387% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,170 |
| Loan loss allowance to noncurrent loans | 309.5142% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 1,585 |
| Noncurrent loans to loans | 0.4949% | 1,481 |
| Net loans and leases to total assets | 54.3900% | 3,169 |
| Net loans and leases to deposits | 57.2072% | 3,492 |
| Net loans and leases to core deposits | 60.5623% | 3,514 |
| Total domestic deposits to total assets | 95.0800% | 86 |
| Equity capital to assets | 2.3386% | 4,625 |
| Core capital (leverage) ratio | 8.8343% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2587% | 1,880 |
| Memoranda: | ||
| Average total assets | $176,979,500 | 3,202 |
| Average earning assets | $161,537,000 | 3,223 |
| Average equity | $3,954,500 | 4,458 |
| Average total loans | $98,535,500 | 3,225 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 342 |
| Cost of funding earning assets | 0.3252% | 2,679 |
| Net interest margin | 4.6087% | 244 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 3.7834% | 389 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3644% | 1,231 |
| Return on assets (ROA) | 1.3309% | 1,298 |
| Pretax return on assets | 1.3309% | 1,994 |
| Return on Equity (ROE) | 37.8000% | 63 |
| Retained earnings to average equity (ytd only) | 25.7569% | 42 |
| Net charge-offs to loans | 0.5696% | 127 |
| Credit loss provision to net charge-offs | 27.9352% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.8077% | 2,403 |
| Efficiency ratio | 72.3129% | 1,407 |
| Assets per employee ($millions) | 4.3314% | 4,127 |
| Cash dividends to net income (ytd only)* | 31.8515% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 988 |
| Loan loss allowance to noncurrent loans | 360.6977% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 1,911 |
| Noncurrent loans to loans | 0.4421% | 1,599 |
| Net loans and leases to total assets | 55.2400% | 3,099 |
| Net loans and leases to deposits | 57.9949% | 3,461 |
| Net loans and leases to core deposits | 60.1513% | 3,496 |
| Total domestic deposits to total assets | 95.2500% | 124 |
| Equity capital to assets | 2.1258% | 4,642 |
| Core capital (leverage) ratio | 8.9473% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2005% | 1,897 |
| Memoranda: | ||
| Average total assets | $163,951,600 | 3,315 |
| Average earning assets | $148,544,400 | 3,337 |
| Average equity | $5,773,200 | 4,356 |
| Average total loans | $86,734,200 | 3,318 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 270 |
| Cost of funding earning assets | 0.2443% | 2,766 |
| Net interest margin | 4.5893% | 202 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 3.7584% | 386 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4354% | 994 |
| Return on assets (ROA) | 1.3900% | 1,088 |
| Pretax return on assets | 1.3900% | 1,743 |
| Return on Equity (ROE) | 35.6800% | 60 |
| Retained earnings to average equity (ytd only) | 24.1638% | 52 |
| Net charge-offs to loans | 0.1395% | 469 |
| Credit loss provision to net charge-offs | 68.1818% | 1,462 |
| Earnings coverage of net charge-offs (x) | 20.4545% | 1,705 |
| Efficiency ratio | 71.6803% | 1,559 |
| Assets per employee ($millions) | 4.2134% | 4,214 |
| Cash dividends to net income (ytd only)* | 32.2849% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 455 |
| Loan loss allowance to noncurrent loans | 414.7903% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 1,881 |
| Noncurrent loans to loans | 0.4955% | 1,560 |
| Net loans and leases to total assets | 53.1300% | 3,175 |
| Net loans and leases to deposits | 56.0749% | 3,473 |
| Net loans and leases to core deposits | 57.2168% | 3,548 |
| Total domestic deposits to total assets | 94.7500% | 253 |
| Equity capital to assets | 1.2804% | 4,686 |
| Core capital (leverage) ratio | 8.8600% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5178% | 1,871 |
| Memoranda: | ||
| Average total assets | $161,625,750 | 3,360 |
| Average earning assets | $146,277,500 | 3,383 |
| Average equity | $6,295,750 | 4,334 |
| Average total loans | $84,103,750 | 3,365 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 239 |
| Cost of funding earning assets | 0.1984% | 2,934 |
| Net interest margin | 4.5473% | 178 |
| Noninterest income to average assets | 1.0808% | 570 |
| Noninterest expense to average assets | 3.7710% | 332 |
| Loan and lease loss provision to assets | 0.0377% | 1,914 |
| Net operating income to assets | 1.3871% | 931 |
| Return on assets (ROA) | 1.3181% | 1,072 |
| Pretax return on assets | 1.3181% | 1,688 |
| Return on Equity (ROE) | 27.3616% | 81 |
| Retained earnings to average equity (ytd only) | 16.9121% | 155 |
| Net charge-offs to loans | 0.0808% | 667 |
| Credit loss provision to net charge-offs | 90.9091% | 1,335 |
| Earnings coverage of net charge-offs (x) | 34.3939% | 1,337 |
| Efficiency ratio | 72.5779% | 1,681 |
| Assets per employee ($millions) | 4.0158% | 4,364 |
| Cash dividends to net income (ytd only)* | 38.1905% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 361 |
| Loan loss allowance to noncurrent loans | 606.3694% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,361 |
| Noncurrent loans to loans | 0.3684% | 2,041 |
| Net loans and leases to total assets | 51.8710% | 3,172 |
| Net loans and leases to deposits | 53.4252% | 3,577 |
| Net loans and leases to core deposits | 54.4510% | 3,670 |
| Total domestic deposits to total assets | 97.0909% | 42 |
| Equity capital to assets | 1.8620% | 4,729 |
| Core capital (leverage) ratio | 8.8702% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9080% | 1,729 |
| Memoranda: | ||
| Average total assets | $159,322,333 | 3,416 |
| Average earning assets | $144,174,333 | 3,456 |
| Average equity | $7,675,000 | 4,237 |
| Average total loans | $81,663,333 | 3,428 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 252 |
| Cost of funding earning assets | 0.2060% | 2,708 |
| Net interest margin | 4.4011% | 196 |
| Noninterest income to average assets | 1.0664% | 600 |
| Noninterest expense to average assets | 3.6681% | 359 |
| Loan and lease loss provision to assets | 0.0378% | 1,678 |
| Net operating income to assets | 1.3462% | 909 |
| Return on assets (ROA) | 1.3462% | 896 |
| Pretax return on assets | 1.3462% | 1,392 |
| Return on Equity (ROE) | 21.3237% | 185 |
| Retained earnings to average equity (ytd only) | 10.5021% | 905 |
| Net charge-offs to loans | 0.0150% | 1,241 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 461 |
| Efficiency ratio | 72.6048% | 1,899 |
| Assets per employee ($millions) | 4.1173% | 4,352 |
| Cash dividends to net income (ytd only)* | 50.7491% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 331 |
| Loan loss allowance to noncurrent loans | 506.3325% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,227 |
| Noncurrent loans to loans | 0.4692% | 1,845 |
| Net loans and leases to total assets | 49.1110% | 3,266 |
| Net loans and leases to deposits | 52.2941% | 3,550 |
| Net loans and leases to core deposits | 53.4499% | 3,636 |
| Total domestic deposits to total assets | 93.9131% | 120 |
| Equity capital to assets | 5.0942% | 4,714 |
| Core capital (leverage) ratio | 8.7490% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0836% | 1,772 |
| Memoranda: | ||
| Average total assets | $158,667,000 | 3,433 |
| Average earning assets | $143,692,500 | 3,474 |
| Average equity | $10,017,000 | 4,050 |
| Average total loans | $79,882,000 | 3,459 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 158 |
| Cost of funding earning assets | 0.2339% | 3,093 |
| Net interest margin | 5.1144% | 118 |
| Noninterest income to average assets | 1.0526% | 916 |
| Noninterest expense to average assets | 4.0436% | 277 |
| Loan and lease loss provision to assets | 0.1068% | 1,184 |
| Net operating income to assets | 1.4955% | 1,027 |
| Return on assets (ROA) | 1.4018% | 1,326 |
| Pretax return on assets | 1.4018% | 2,049 |
| Return on Equity (ROE) | 18.2521% | 441 |
| Retained earnings to average equity (ytd only) | 5.8927% | 2,408 |
| Net charge-offs to loans | 0.2602% | 347 |
| Credit loss provision to net charge-offs | 79.0816% | 1,957 |
| Earnings coverage of net charge-offs (x) | 11.8673% | 2,136 |
| Efficiency ratio | 71.6203% | 1,553 |
| Assets per employee ($millions) | 4.2367% | 4,307 |
| Cash dividends to net income (ytd only)* | 67.7150% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 313 |
| Loan loss allowance to noncurrent loans | 460.6280% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 2,223 |
| Noncurrent loans to loans | 0.5242% | 1,820 |
| Net loans and leases to total assets | 49.1697% | 3,383 |
| Net loans and leases to deposits | 53.7991% | 3,614 |
| Net loans and leases to core deposits | 55.8751% | 3,628 |
| Total domestic deposits to total assets | 91.3951% | 344 |
| Equity capital to assets | 7.5619% | 4,571 |
| Core capital (leverage) ratio | 8.2526% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1609% | 2,180 |
| Memoranda: | ||
| Average total assets | $145,167,200 | 3,531 |
| Average earning assets | $130,376,600 | 3,567 |
| Average equity | $11,149,400 | 4,018 |
| Average total loans | $75,333,400 | 3,551 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 155 |
| Cost of funding earning assets | 0.2405% | 3,206 |
| Net interest margin | 5.2030% | 119 |
| Noninterest income to average assets | 1.0562% | 983 |
| Noninterest expense to average assets | 3.8574% | 316 |
| Loan and lease loss provision to assets | 0.1314% | 876 |
| Net operating income to assets | 1.7300% | 774 |
| Return on assets (ROA) | 1.6944% | 882 |
| Pretax return on assets | 1.6944% | 1,418 |
| Return on Equity (ROE) | 21.9680% | 306 |
| Retained earnings to average equity (ytd only) | 8.2259% | 1,984 |
| Net charge-offs to loans | 0.1935% | 437 |
| Credit loss provision to net charge-offs | 129.6296% | 1,420 |
| Earnings coverage of net charge-offs (x) | 18.3889% | 1,786 |
| Efficiency ratio | 67.4533% | 1,904 |
| Assets per employee ($millions) | 4.0645% | 4,410 |
| Cash dividends to net income (ytd only)* | 62.5553% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6063% | 243 |
| Loan loss allowance to noncurrent loans | 565.7143% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 2,610 |
| Noncurrent loans to loans | 0.4607% | 2,181 |
| Net loans and leases to total assets | 49.2004% | 3,504 |
| Net loans and leases to deposits | 53.9619% | 3,742 |
| Net loans and leases to core deposits | 55.9170% | 3,776 |
| Total domestic deposits to total assets | 91.1761% | 314 |
| Equity capital to assets | 7.5020% | 4,705 |
| Core capital (leverage) ratio | 7.8251% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5597% | 2,522 |
| Memoranda: | ||
| Average total assets | $142,269,250 | 3,602 |
| Average earning assets | $127,488,250 | 3,639 |
| Average equity | $10,973,250 | 4,091 |
| Average total loans | $74,420,500 | 3,620 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 230 |
| Cost of funding earning assets | 0.2469% | 3,304 |
| Net interest margin | 5.0185% | 165 |
| Noninterest income to average assets | 1.0447% | 1,004 |
| Noninterest expense to average assets | 3.7890% | 339 |
| Loan and lease loss provision to assets | 0.1791% | 639 |
| Net operating income to assets | 1.5620% | 1,142 |
| Return on assets (ROA) | 1.5677% | 1,185 |
| Pretax return on assets | 1.5677% | 1,831 |
| Return on Equity (ROE) | 20.1282% | 449 |
| Retained earnings to average equity (ytd only) | 3.2198% | 3,772 |
| Net charge-offs to loans | 0.0920% | 787 |
| Credit loss provision to net charge-offs | 367.6471% | 802 |
| Earnings coverage of net charge-offs (x) | 35.7353% | 1,220 |
| Efficiency ratio | 68.5152% | 1,815 |
| Assets per employee ($millions) | 4.0701% | 4,409 |
| Cash dividends to net income (ytd only)* | 84.0037% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6683% | 221 |
| Loan loss allowance to noncurrent loans | 890.3930% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,216 |
| Noncurrent loans to loans | 0.2997% | 2,855 |
| Net loans and leases to total assets | 50.7616% | 3,477 |
| Net loans and leases to deposits | 55.9229% | 3,715 |
| Net loans and leases to core deposits | 57.7837% | 3,772 |
| Total domestic deposits to total assets | 90.7708% | 447 |
| Equity capital to assets | 7.5592% | 4,717 |
| Core capital (leverage) ratio | 7.6432% | 4,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9967% | 2,722 |
| Memoranda: | ||
| Average total assets | $139,563,333 | 3,639 |
| Average earning assets | $124,738,000 | 3,680 |
| Average equity | $10,870,333 | 4,116 |
| Average total loans | $73,903,667 | 3,655 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 617 |
| Cost of funding earning assets | 0.2535% | 3,441 |
| Net interest margin | 4.3851% | 441 |
| Noninterest income to average assets | 1.0582% | 1,044 |
| Noninterest expense to average assets | 3.7918% | 337 |
| Loan and lease loss provision to assets | 0.2116% | 561 |
| Net operating income to assets | 0.9700% | 2,907 |
| Return on assets (ROA) | 0.9788% | 2,970 |
| Pretax return on assets | 0.9788% | 3,435 |
| Return on Equity (ROE) | 12.3706% | 1,881 |
| Retained earnings to average equity (ytd only) | 12.3706% | 1,059 |
| Net charge-offs to loans | 0.1377% | 546 |
| Credit loss provision to net charge-offs | 288.0000% | 775 |
| Earnings coverage of net charge-offs (x) | 16.0800% | 1,323 |
| Efficiency ratio | 76.2411% | 1,112 |
| Assets per employee ($millions) | 4.0383% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6726% | 206 |
| Loan loss allowance to noncurrent loans | 722.8261% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 3,189 |
| Noncurrent loans to loans | 0.3697% | 2,763 |
| Net loans and leases to total assets | 51.4009% | 3,502 |
| Net loans and leases to deposits | 56.3369% | 3,767 |
| Net loans and leases to core deposits | 57.9844% | 3,836 |
| Total domestic deposits to total assets | 91.2383% | 316 |
| Equity capital to assets | 7.2187% | 4,796 |
| Core capital (leverage) ratio | 8.2980% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0191% | 2,655 |
| Memoranda: | ||
| Average total assets | $136,083,000 | 3,682 |
| Average earning assets | $121,503,500 | 3,724 |
| Average equity | $10,767,500 | 4,137 |
| Average total loans | $72,647,000 | 3,693 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4149% | 211 |
| Cost of funding earning assets | 0.3755% | 3,735 |
| Net interest margin | 5.0394% | 112 |
| Noninterest income to average assets | 1.0860% | 904 |
| Noninterest expense to average assets | 4.1279% | 333 |
| Loan and lease loss provision to assets | 0.4697% | 573 |
| Net operating income to assets | 0.9232% | 2,597 |
| Return on assets (ROA) | 1.4756% | 939 |
| Pretax return on assets | 1.4756% | 1,421 |
| Return on Equity (ROE) | 18.1963% | 321 |
| Retained earnings to average equity (ytd only) | 15.7395% | 128 |
| Net charge-offs to loans | 0.3812% | 450 |
| Credit loss provision to net charge-offs | 214.0221% | 2,093 |
| Earnings coverage of net charge-offs (x) | 6.3469% | 2,791 |
| Efficiency ratio | 74.7690% | 1,360 |
| Assets per employee ($millions) | 3.6340% | 4,590 |
| Cash dividends to net income (ytd only)* | 13.5016% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7573% | 196 |
| Loan loss allowance to noncurrent loans | 558.1662% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 2,968 |
| Noncurrent loans to loans | 0.4940% | 2,490 |
| Net loans and leases to total assets | 52.5133% | 3,630 |
| Net loans and leases to deposits | 58.4631% | 3,863 |
| Net loans and leases to core deposits | 60.3383% | 3,922 |
| Total domestic deposits to total assets | 89.8230% | 628 |
| Equity capital to assets | 8.6620% | 4,332 |
| Core capital (leverage) ratio | 8.4556% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8956% | 2,282 |
| Memoranda: | ||
| Average total assets | $123,477,200 | 3,705 |
| Average earning assets | $108,663,800 | 3,785 |
| Average equity | $10,013,000 | 4,192 |
| Average total loans | $71,098,400 | 3,713 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 249 |
| Cost of funding earning assets | 0.4099% | 3,766 |
| Net interest margin | 5.0535% | 126 |
| Noninterest income to average assets | 1.0840% | 885 |
| Noninterest expense to average assets | 4.1783% | 326 |
| Loan and lease loss provision to assets | 0.4908% | 608 |
| Net operating income to assets | 0.8473% | 2,918 |
| Return on assets (ROA) | 1.5400% | 911 |
| Pretax return on assets | 1.5400% | 1,353 |
| Return on Equity (ROE) | 19.3456% | 272 |
| Retained earnings to average equity (ytd only) | 16.5092% | 137 |
| Net charge-offs to loans | 0.3370% | 463 |
| Credit loss provision to net charge-offs | 248.8889% | 1,931 |
| Earnings coverage of net charge-offs (x) | 6.7833% | 2,627 |
| Efficiency ratio | 75.7401% | 1,225 |
| Assets per employee ($millions) | 3.7850% | 4,485 |
| Cash dividends to net income (ytd only)* | 14.6619% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6323% | 200 |
| Loan loss allowance to noncurrent loans | 576.1329% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,143 |
| Noncurrent loans to loans | 0.4569% | 2,680 |
| Net loans and leases to total assets | 54.8128% | 3,731 |
| Net loans and leases to deposits | 60.9015% | 4,000 |
| Net loans and leases to core deposits | 63.0592% | 4,050 |
| Total domestic deposits to total assets | 90.0023% | 425 |
| Equity capital to assets | 8.2703% | 4,588 |
| Core capital (leverage) ratio | 8.2711% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2362% | 2,086 |
| Memoranda: | ||
| Average total assets | $121,640,500 | 3,716 |
| Average earning assets | $106,695,250 | 3,813 |
| Average equity | $9,683,250 | 4,245 |
| Average total loans | $71,211,000 | 3,722 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 343 |
| Cost of funding earning assets | 0.4623% | 3,731 |
| Net interest margin | 5.0277% | 193 |
| Noninterest income to average assets | 1.0914% | 835 |
| Noninterest expense to average assets | 4.3088% | 300 |
| Loan and lease loss provision to assets | 0.4795% | 768 |
| Net operating income to assets | 0.6975% | 3,397 |
| Return on assets (ROA) | 1.2742% | 1,544 |
| Pretax return on assets | 1.2742% | 2,115 |
| Return on Equity (ROE) | 16.2335% | 528 |
| Retained earnings to average equity (ytd only) | 13.9267% | 283 |
| Net charge-offs to loans | 0.2966% | 534 |
| Credit loss provision to net charge-offs | 272.3810% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.6857% | 2,422 |
| Efficiency ratio | 78.5452% | 1,001 |
| Assets per employee ($millions) | 4.0037% | 4,313 |
| Cash dividends to net income (ytd only)* | 14.2105% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5130% | 214 |
| Loan loss allowance to noncurrent loans | 784.4828% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,624 |
| Noncurrent loans to loans | 0.3203% | 3,237 |
| Net loans and leases to total assets | 55.1081% | 3,768 |
| Net loans and leases to deposits | 60.8860% | 4,069 |
| Net loans and leases to core deposits | 63.0320% | 4,124 |
| Total domestic deposits to total assets | 90.5104% | 269 |
| Equity capital to assets | 8.0207% | 4,707 |
| Core capital (leverage) ratio | 8.1029% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2687% | 2,495 |
| Memoranda: | ||
| Average total assets | $119,291,000 | 3,730 |
| Average earning assets | $104,262,333 | 3,838 |
| Average equity | $9,363,333 | 4,303 |
| Average total loans | $70,799,667 | 3,736 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7079% | 243 |
| Cost of funding earning assets | 0.5233% | 3,833 |
| Net interest margin | 5.1846% | 148 |
| Noninterest income to average assets | 1.2048% | 603 |
| Noninterest expense to average assets | 4.2968% | 369 |
| Loan and lease loss provision to assets | 0.4318% | 699 |
| Net operating income to assets | 0.9958% | 2,183 |
| Return on assets (ROA) | 1.6191% | 664 |
| Pretax return on assets | 1.6191% | 1,010 |
| Return on Equity (ROE) | 20.8825% | 137 |
| Retained earnings to average equity (ytd only) | 20.8825% | 55 |
| Net charge-offs to loans | 0.2858% | 514 |
| Credit loss provision to net charge-offs | 248.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,878 |
| Efficiency ratio | 75.0608% | 1,680 |
| Assets per employee ($millions) | 3.4924% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4242% | 279 |
| Loan loss allowance to noncurrent loans | 956.9832% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,879 |
| Noncurrent loans to loans | 0.2533% | 3,584 |
| Net loans and leases to total assets | 59.8265% | 3,516 |
| Net loans and leases to deposits | 65.8240% | 3,875 |
| Net loans and leases to core deposits | 68.3926% | 3,965 |
| Total domestic deposits to total assets | 90.8885% | 123 |
| Equity capital to assets | 7.4768% | 5,037 |
| Core capital (leverage) ratio | 8.5155% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7101% | 2,386 |
| Memoranda: | ||
| Average total assets | $114,877,000 | 3,776 |
| Average earning assets | $100,142,500 | 3,872 |
| Average equity | $8,907,000 | 4,377 |
| Average total loans | $69,987,500 | 3,761 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 435 |
| Cost of funding earning assets | 0.6705% | 3,313 |
| Net interest margin | 4.9811% | 281 |
| Noninterest income to average assets | 1.3379% | 533 |
| Noninterest expense to average assets | 4.4145% | 335 |
| Loan and lease loss provision to assets | 0.3981% | 363 |
| Net operating income to assets | 0.8881% | 3,259 |
| Return on assets (ROA) | 0.8774% | 3,378 |
| Pretax return on assets | 0.8774% | 3,803 |
| Return on Equity (ROE) | 10.7512% | 1,988 |
| Retained earnings to average equity (ytd only) | 6.3654% | 1,687 |
| Net charge-offs to loans | 0.4314% | 443 |
| Credit loss provision to net charge-offs | 155.9441% | 1,649 |
| Earnings coverage of net charge-offs (x) | 5.0385% | 3,140 |
| Efficiency ratio | 77.4385% | 1,218 |
| Assets per employee ($millions) | 3.3808% | 4,581 |
| Cash dividends to net income (ytd only)* | 40.7935% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 753 |
| Loan loss allowance to noncurrent loans | 738.2716% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 3,935 |
| Noncurrent loans to loans | 0.2337% | 3,615 |
| Net loans and leases to total assets | 59.2586% | 3,651 |
| Net loans and leases to deposits | 65.7948% | 3,968 |
| Net loans and leases to core deposits | 67.0420% | 4,131 |
| Total domestic deposits to total assets | 90.0659% | 304 |
| Equity capital to assets | 8.3865% | 4,954 |
| Core capital (leverage) ratio | 8.3967% | 4,897 |
| Tier 1 risk-based capital ratio | 12.3832% | 4,138 |
| Total risk-based capital ratio | 13.6360% | 4,005 |
| Memoranda: | ||
| Average total assets | $112,039,400 | 3,804 |
| Average earning assets | $98,130,800 | 3,908 |
| Average equity | $9,143,200 | 4,355 |
| Average total loans | $66,298,000 | 3,855 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 501 |
| Cost of funding earning assets | 0.6968% | 3,238 |
| Net interest margin | 4.8927% | 346 |
| Noninterest income to average assets | 1.3583% | 502 |
| Noninterest expense to average assets | 4.3600% | 341 |
| Loan and lease loss provision to assets | 0.3174% | 448 |
| Net operating income to assets | 0.9702% | 3,081 |
| Return on assets (ROA) | 0.9091% | 3,392 |
| Pretax return on assets | 0.9091% | 3,845 |
| Return on Equity (ROE) | 11.2204% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.8151% | 1,942 |
| Net charge-offs to loans | 0.4841% | 352 |
| Credit loss provision to net charge-offs | 111.3445% | 2,074 |
| Earnings coverage of net charge-offs (x) | 4.5167% | 3,000 |
| Efficiency ratio | 77.2004% | 1,194 |
| Assets per employee ($millions) | 3.3189% | 4,656 |
| Cash dividends to net income (ytd only)* | 39.2620% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,124 |
| Loan loss allowance to noncurrent loans | 1,266.6667% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,353 |
| Noncurrent loans to loans | 0.1222% | 4,105 |
| Net loans and leases to total assets | 58.2838% | 3,849 |
| Net loans and leases to deposits | 64.8428% | 4,133 |
| Net loans and leases to core deposits | 69.0967% | 4,098 |
| Total domestic deposits to total assets | 89.8847% | 316 |
| Equity capital to assets | 8.3634% | 5,044 |
| Core capital (leverage) ratio | 8.4519% | 4,966 |
| Tier 1 risk-based capital ratio | 12.0762% | 4,380 |
| Total risk-based capital ratio | 13.3269% | 4,272 |
| Memoranda: | ||
| Average total assets | $111,312,500 | 3,857 |
| Average earning assets | $97,584,750 | 3,949 |
| Average equity | $9,019,000 | 4,422 |
| Average total loans | $65,544,500 | 3,915 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 530 |
| Cost of funding earning assets | 0.6867% | 3,238 |
| Net interest margin | 4.8527% | 371 |
| Noninterest income to average assets | 1.3492% | 484 |
| Noninterest expense to average assets | 4.3538% | 350 |
| Loan and lease loss provision to assets | 0.3081% | 442 |
| Net operating income to assets | 0.9390% | 3,135 |
| Return on assets (ROA) | 0.7712% | 3,815 |
| Pretax return on assets | 0.7712% | 4,160 |
| Return on Equity (ROE) | 9.6279% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.7357% | 2,398 |
| Net charge-offs to loans | 0.5243% | 296 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 4.0473% | 2,774 |
| Efficiency ratio | 77.7344% | 1,189 |
| Assets per employee ($millions) | 3.2576% | 4,734 |
| Cash dividends to net income (ytd only)* | 40.4255% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 1,166 |
| Loan loss allowance to noncurrent loans | 306.5089% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,364 |
| Noncurrent loans to loans | 0.5014% | 2,778 |
| Net loans and leases to total assets | 58.2106% | 3,894 |
| Net loans and leases to deposits | 64.6736% | 4,186 |
| Net loans and leases to core deposits | 68.8107% | 4,167 |
| Total domestic deposits to total assets | 90.0068% | 331 |
| Equity capital to assets | 8.2321% | 5,133 |
| Core capital (leverage) ratio | 8.4946% | 4,968 |
| Tier 1 risk-based capital ratio | 12.0833% | 4,375 |
| Total risk-based capital ratio | 13.3331% | 4,258 |
| Memoranda: | ||
| Average total assets | $109,696,330 | 3,903 |
| Average earning assets | $96,112,000 | 4,003 |
| Average equity | $8,787,000 | 4,468 |
| Average total loans | $64,470,330 | 3,965 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 569 |
| Cost of funding earning assets | 0.6520% | 3,312 |
| Net interest margin | 4.7968% | 415 |
| Noninterest income to average assets | 1.2907% | 510 |
| Noninterest expense to average assets | 4.3446% | 353 |
| Loan and lease loss provision to assets | 0.2232% | 696 |
| Net operating income to assets | 0.9374% | 3,104 |
| Return on assets (ROA) | 0.7142% | 3,932 |
| Pretax return on assets | 0.7142% | 4,265 |
| Return on Equity (ROE) | 9.0486% | 2,787 |
| Retained earnings to average equity (ytd only) | 9.0486% | 1,305 |
| Net charge-offs to loans | 0.9523% | 149 |
| Credit loss provision to net charge-offs | 40.0000% | 2,031 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 2,531 |
| Efficiency ratio | 78.9189% | 1,168 |
| Assets per employee ($millions) | 3.4518% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,366 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,325 |
| Noncurrent loans to loans | 0.5536% | 2,663 |
| Net loans and leases to total assets | 56.5413% | 4,023 |
| Net loans and leases to deposits | 62.6071% | 4,266 |
| Net loans and leases to core deposits | 67.4861% | 4,209 |
| Total domestic deposits to total assets | 90.3113% | 351 |
| Equity capital to assets | 7.9505% | 5,193 |
| Core capital (leverage) ratio | 8.8731% | 4,740 |
| Tier 1 risk-based capital ratio | 12.6384% | 4,076 |
| Total risk-based capital ratio | 13.8882% | 3,960 |
| Memoranda: | ||
| Average total assets | $107,536,000 | 3,973 |
| Average earning assets | $94,480,500 | 4,065 |
| Average equity | $8,487,500 | 4,543 |
| Average total loans | $63,002,500 | 4,028 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 577 |
| Cost of funding earning assets | 0.4380% | 3,749 |
| Net interest margin | 4.8660% | 346 |
| Noninterest income to average assets | 1.3803% | 477 |
| Noninterest expense to average assets | 4.3697% | 336 |
| Loan and lease loss provision to assets | 0.2655% | 634 |
| Net operating income to assets | 1.0840% | 2,663 |
| Return on assets (ROA) | 1.0244% | 2,896 |
| Pretax return on assets | 1.0244% | 3,529 |
| Return on Equity (ROE) | 13.4728% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.3873% | 1,088 |
| Net charge-offs to loans | 0.2560% | 755 |
| Credit loss provision to net charge-offs | 182.7815% | 1,547 |
| Earnings coverage of net charge-offs (x) | 9.2914% | 2,820 |
| Efficiency ratio | 76.4043% | 1,304 |
| Assets per employee ($millions) | 3.0769% | 4,944 |
| Cash dividends to net income (ytd only)* | 37.7465% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 916 |
| Loan loss allowance to noncurrent loans | 254.5455% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 3,005 |
| Noncurrent loans to loans | 0.6501% | 2,368 |
| Net loans and leases to total assets | 58.8541% | 3,888 |
| Net loans and leases to deposits | 65.9183% | 4,126 |
| Net loans and leases to core deposits | 70.2121% | 4,105 |
| Total domestic deposits to total assets | 89.2834% | 743 |
| Equity capital to assets | 7.8317% | 5,213 |
| Core capital (leverage) ratio | 8.8449% | 4,776 |
| Tier 1 risk-based capital ratio | 12.5391% | 4,112 |
| Total risk-based capital ratio | 13.7899% | 3,987 |
| Memoranda: | ||
| Average total assets | $103,965,600 | 4,037 |
| Average earning assets | $92,703,800 | 4,087 |
| Average equity | $7,904,800 | 4,626 |
| Average total loans | $58,989,400 | 4,118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 591 |
| Cost of funding earning assets | 0.4189% | 3,727 |
| Net interest margin | 4.8100% | 372 |
| Noninterest income to average assets | 1.3705% | 509 |
| Noninterest expense to average assets | 4.2836% | 361 |
| Loan and lease loss provision to assets | 0.1618% | 1,188 |
| Net operating income to assets | 1.2164% | 2,172 |
| Return on assets (ROA) | 1.1637% | 2,404 |
| Pretax return on assets | 1.1637% | 3,143 |
| Return on Equity (ROE) | 15.4220% | 798 |
| Retained earnings to average equity (ytd only) | 9.8217% | 979 |
| Net charge-offs to loans | 0.3076% | 541 |
| Credit loss provision to net charge-offs | 94.0299% | 2,374 |
| Earnings coverage of net charge-offs (x) | 8.0076% | 2,756 |
| Efficiency ratio | 75.6579% | 1,392 |
| Assets per employee ($millions) | 3.0496% | 5,004 |
| Cash dividends to net income (ytd only)* | 36.3138% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,432 |
| Loan loss allowance to noncurrent loans | 276.1468% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,432 |
| Noncurrent loans to loans | 0.5345% | 2,783 |
| Net loans and leases to total assets | 58.1318% | 4,026 |
| Net loans and leases to deposits | 64.2690% | 4,315 |
| Net loans and leases to core deposits | 69.2685% | 4,233 |
| Total domestic deposits to total assets | 90.4509% | 361 |
| Equity capital to assets | 7.5556% | 5,297 |
| Core capital (leverage) ratio | 8.7669% | 4,910 |
| Tier 1 risk-based capital ratio | 12.7141% | 4,069 |
| Total risk-based capital ratio | 13.9638% | 3,973 |
| Memoranda: | ||
| Average total assets | $103,803,750 | 4,082 |
| Average earning assets | $92,611,250 | 4,132 |
| Average equity | $7,832,750 | 4,679 |
| Average total loans | $58,085,500 | 4,186 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 608 |
| Cost of funding earning assets | 0.4120% | 3,633 |
| Net interest margin | 4.7343% | 404 |
| Noninterest income to average assets | 1.3713% | 506 |
| Noninterest expense to average assets | 4.1736% | 427 |
| Loan and lease loss provision to assets | 0.1194% | 1,658 |
| Net operating income to assets | 1.3058% | 1,750 |
| Return on assets (ROA) | 1.2673% | 1,909 |
| Pretax return on assets | 1.2673% | 2,640 |
| Return on Equity (ROE) | 16.8022% | 550 |
| Retained earnings to average equity (ytd only) | 10.3928% | 819 |
| Net charge-offs to loans | 0.1788% | 880 |
| Credit loss provision to net charge-offs | 121.5686% | 1,787 |
| Earnings coverage of net charge-offs (x) | 14.5098% | 2,093 |
| Efficiency ratio | 74.5442% | 1,631 |
| Assets per employee ($millions) | 3.1734% | 4,955 |
| Cash dividends to net income (ytd only)* | 38.1459% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,168 |
| Loan loss allowance to noncurrent loans | 231.6583% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,220 |
| Noncurrent loans to loans | 0.6801% | 2,409 |
| Net loans and leases to total assets | 55.0033% | 4,248 |
| Net loans and leases to deposits | 60.7268% | 4,492 |
| Net loans and leases to core deposits | 65.3929% | 4,401 |
| Total domestic deposits to total assets | 90.5750% | 373 |
| Equity capital to assets | 7.4942% | 5,375 |
| Core capital (leverage) ratio | 8.5429% | 5,076 |
| Tier 1 risk-based capital ratio | 12.7863% | 4,013 |
| Total risk-based capital ratio | 14.0368% | 3,918 |
| Memoranda: | ||
| Average total assets | $103,843,330 | 4,114 |
| Average earning assets | $92,727,330 | 4,165 |
| Average equity | $7,832,330 | 4,724 |
| Average total loans | $57,055,000 | 4,241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 634 |
| Cost of funding earning assets | 0.4101% | 3,513 |
| Net interest margin | 4.6359% | 465 |
| Noninterest income to average assets | 1.2920% | 554 |
| Noninterest expense to average assets | 4.1081% | 460 |
| Loan and lease loss provision to assets | 0.0967% | 1,902 |
| Net operating income to assets | 1.2417% | 1,841 |
| Return on assets (ROA) | 1.1644% | 2,173 |
| Pretax return on assets | 1.1644% | 2,908 |
| Return on Equity (ROE) | 15.3876% | 733 |
| Retained earnings to average equity (ytd only) | 15.3876% | 296 |
| Net charge-offs to loans | 0.2699% | 577 |
| Credit loss provision to net charge-offs | 65.7895% | 1,863 |
| Earnings coverage of net charge-offs (x) | 9.1053% | 1,989 |
| Efficiency ratio | 75.4261% | 1,686 |
| Assets per employee ($millions) | 3.2111% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 1,258 |
| Loan loss allowance to noncurrent loans | 590.7895% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,159 |
| Noncurrent loans to loans | 0.2639% | 3,817 |
| Net loans and leases to total assets | 53.5111% | 4,324 |
| Net loans and leases to deposits | 58.9361% | 4,544 |
| Net loans and leases to core deposits | 63.5719% | 4,451 |
| Total domestic deposits to total assets | 90.7951% | 385 |
| Equity capital to assets | 7.3175% | 5,471 |
| Core capital (leverage) ratio | 8.6266% | 5,043 |
| Tier 1 risk-based capital ratio | 13.0524% | 3,923 |
| Total risk-based capital ratio | 14.3030% | 3,833 |
| Memoranda: | ||
| Average total assets | $103,404,500 | 4,167 |
| Average earning assets | $92,668,500 | 4,217 |
| Average equity | $7,824,500 | 4,775 |
| Average total loans | $56,321,500 | 4,298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,087 |
| Cost of funding earning assets | 0.4258% | 2,995 |
| Net interest margin | 4.3193% | 925 |
| Noninterest income to average assets | 1.3213% | 609 |
| Noninterest expense to average assets | 4.3240% | 366 |
| Loan and lease loss provision to assets | 0.1043% | 2,146 |
| Net operating income to assets | 0.7504% | 3,392 |
| Return on assets (ROA) | 0.6551% | 3,837 |
| Pretax return on assets | 0.6551% | 4,615 |
| Return on Equity (ROE) | 8.6969% | 2,451 |
| Retained earnings to average equity (ytd only) | 4.7280% | 2,304 |
| Net charge-offs to loans | 0.3179% | 799 |
| Credit loss provision to net charge-offs | 65.8228% | 3,151 |
| Earnings coverage of net charge-offs (x) | 5.3924% | 3,337 |
| Efficiency ratio | 83.4948% | 813 |
| Assets per employee ($millions) | 2.9660% | 5,221 |
| Cash dividends to net income (ytd only)* | 45.6355% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,025 |
| Loan loss allowance to noncurrent loans | 723.0159% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,287 |
| Noncurrent loans to loans | 0.2289% | 3,988 |
| Net loans and leases to total assets | 53.6780% | 4,388 |
| Net loans and leases to deposits | 59.5855% | 4,593 |
| Net loans and leases to core deposits | 64.5716% | 4,495 |
| Total domestic deposits to total assets | 90.0857% | 541 |
| Equity capital to assets | 7.8289% | 5,448 |
| Core capital (leverage) ratio | 8.3774% | 5,236 |
| Tier 1 risk-based capital ratio | 13.3876% | 3,696 |
| Total risk-based capital ratio | 14.6387% | 3,603 |
| Memoranda: | ||
| Average total assets | $99,677,000 | 4,244 |
| Average earning assets | $89,018,400 | 4,308 |
| Average equity | $7,508,400 | 4,857 |
| Average total loans | $49,697,800 | 4,464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,279 |
| Cost of funding earning assets | 0.4274% | 2,907 |
| Net interest margin | 4.2105% | 1,132 |
| Noninterest income to average assets | 1.3174% | 608 |
| Noninterest expense to average assets | 4.3050% | 370 |
| Loan and lease loss provision to assets | 0.0765% | 2,546 |
| Net operating income to assets | 0.6896% | 4,028 |
| Return on assets (ROA) | 0.7097% | 3,996 |
| Pretax return on assets | 0.7097% | 4,585 |
| Return on Equity (ROE) | 9.5162% | 2,341 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,476 |
| Net charge-offs to loans | 0.2895% | 741 |
| Credit loss provision to net charge-offs | 54.2857% | 2,866 |
| Earnings coverage of net charge-offs (x) | 5.4379% | 3,110 |
| Efficiency ratio | 84.8942% | 695 |
| Assets per employee ($millions) | 2.9417% | 5,304 |
| Cash dividends to net income (ytd only)* | 41.0211% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 817 |
| Loan loss allowance to noncurrent loans | 358.2031% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 4,066 |
| Noncurrent loans to loans | 0.5091% | 3,179 |
| Net loans and leases to total assets | 47.9516% | 4,827 |
| Net loans and leases to deposits | 53.1243% | 4,998 |
| Net loans and leases to core deposits | 58.4807% | 4,894 |
| Total domestic deposits to total assets | 90.2630% | 389 |
| Equity capital to assets | 7.7828% | 5,579 |
| Core capital (leverage) ratio | 8.4352% | 5,288 |
| Tier 1 risk-based capital ratio | 13.5700% | 3,659 |
| Total risk-based capital ratio | 14.8225% | 3,579 |
| Memoranda: | ||
| Average total assets | $99,385,250 | 4,292 |
| Average earning assets | $88,602,250 | 4,360 |
| Average equity | $7,411,750 | 4,927 |
| Average total loans | $48,361,750 | 4,546 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,236 |
| Cost of funding earning assets | 0.4249% | 2,850 |
| Net interest margin | 4.1851% | 1,107 |
| Noninterest income to average assets | 1.3422% | 589 |
| Noninterest expense to average assets | 4.3506% | 352 |
| Loan and lease loss provision to assets | 0.0631% | 2,709 |
| Net operating income to assets | 0.6599% | 4,031 |
| Return on assets (ROA) | 0.6212% | 4,256 |
| Pretax return on assets | 0.6212% | 4,759 |
| Return on Equity (ROE) | 8.4589% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.3543% | 3,112 |
| Net charge-offs to loans | 0.1593% | 1,208 |
| Credit loss provision to net charge-offs | 81.5789% | 2,242 |
| Earnings coverage of net charge-offs (x) | 9.3421% | 2,445 |
| Efficiency ratio | 85.7487% | 713 |
| Assets per employee ($millions) | 2.7949% | 5,420 |
| Cash dividends to net income (ytd only)* | 48.5246% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 679 |
| Loan loss allowance to noncurrent loans | 456.1905% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 4,337 |
| Noncurrent loans to loans | 0.4236% | 3,503 |
| Net loans and leases to total assets | 48.3234% | 4,802 |
| Net loans and leases to deposits | 53.6004% | 4,981 |
| Net loans and leases to core deposits | 59.1509% | 4,870 |
| Total domestic deposits to total assets | 90.1548% | 484 |
| Equity capital to assets | 7.7779% | 5,603 |
| Core capital (leverage) ratio | 8.3454% | 5,324 |
| Tier 1 risk-based capital ratio | 13.5456% | 3,678 |
| Total risk-based capital ratio | 14.7978% | 3,588 |
| Memoranda: | ||
| Average total assets | $98,194,330 | 4,339 |
| Average earning assets | $87,548,000 | 4,407 |
| Average equity | $7,211,330 | 4,981 |
| Average total loans | $47,720,000 | 4,589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,153 |
| Cost of funding earning assets | 0.3853% | 3,139 |
| Net interest margin | 4.2109% | 969 |
| Noninterest income to average assets | 1.2992% | 606 |
| Noninterest expense to average assets | 4.4462% | 348 |
| Loan and lease loss provision to assets | 0.0742% | 2,319 |
| Net operating income to assets | 0.5197% | 4,517 |
| Return on assets (ROA) | 0.4578% | 4,767 |
| Pretax return on assets | 0.4578% | 5,038 |
| Return on Equity (ROE) | 6.4311% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.4311% | 2,119 |
| Net charge-offs to loans | 0.0513% | 1,835 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,373 |
| Efficiency ratio | 88.2160% | 651 |
| Assets per employee ($millions) | 2.8402% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 631 |
| Loan loss allowance to noncurrent loans | 195.0100% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 3,203 |
| Noncurrent loans to loans | 1.0418% | 1,973 |
| Net loans and leases to total assets | 47.3930% | 4,867 |
| Net loans and leases to deposits | 52.1837% | 5,027 |
| Net loans and leases to core deposits | 58.8143% | 4,836 |
| Total domestic deposits to total assets | 90.8196% | 355 |
| Equity capital to assets | 7.1041% | 5,745 |
| Core capital (leverage) ratio | 8.6645% | 5,084 |
| Tier 1 risk-based capital ratio | 13.8831% | 3,553 |
| Total risk-based capital ratio | 15.1370% | 3,462 |
| Memoranda: | ||
| Average total assets | $96,982,500 | 4,408 |
| Average earning assets | $86,157,000 | 4,475 |
| Average equity | $6,904,000 | 5,082 |
| Average total loans | $46,790,000 | 4,654 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 1,611 |
| Cost of funding earning assets | 0.3092% | 3,966 |
| Net interest margin | 4.1665% | 1,195 |
| Noninterest income to average assets | 1.3667% | 615 |
| Noninterest expense to average assets | 4.3537% | 427 |
| Loan and lease loss provision to assets | 0.2852% | 685 |
| Net operating income to assets | 0.4563% | 4,778 |
| Return on assets (ROA) | 0.5809% | 4,398 |
| Pretax return on assets | 0.5809% | 4,839 |
| Return on Equity (ROE) | 7.0016% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.1259% | 4,323 |
| Net charge-offs to loans | 0.2700% | 1,023 |
| Credit loss provision to net charge-offs | 223.1405% | 1,286 |
| Earnings coverage of net charge-offs (x) | 5.8017% | 3,283 |
| Efficiency ratio | 85.4478% | 862 |
| Assets per employee ($millions) | 2.7811% | 5,505 |
| Cash dividends to net income (ytd only)* | 69.6364% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 531 |
| Loan loss allowance to noncurrent loans | 187.3786% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 3,047 |
| Noncurrent loans to loans | 1.1321% | 1,816 |
| Net loans and leases to total assets | 47.0886% | 4,949 |
| Net loans and leases to deposits | 51.9842% | 5,127 |
| Net loans and leases to core deposits | 55.8460% | 5,053 |
| Total domestic deposits to total assets | 90.5825% | 423 |
| Equity capital to assets | 7.1342% | 5,784 |
| Core capital (leverage) ratio | 8.7643% | 5,010 |
| Tier 1 risk-based capital ratio | 14.5119% | 3,191 |
| Total risk-based capital ratio | 15.7658% | 3,123 |
| Memoranda: | ||
| Average total assets | $94,677,400 | 4,452 |
| Average earning assets | $84,724,200 | 4,502 |
| Average equity | $7,855,400 | 4,958 |
| Average total loans | $44,817,600 | 4,719 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 1,794 |
| Cost of funding earning assets | 0.3073% | 4,017 |
| Net interest margin | 4.1129% | 1,363 |
| Noninterest income to average assets | 1.3642% | 630 |
| Noninterest expense to average assets | 4.2417% | 470 |
| Loan and lease loss provision to assets | 0.3139% | 531 |
| Net operating income to assets | 0.5012% | 4,697 |
| Return on assets (ROA) | 0.7039% | 3,958 |
| Pretax return on assets | 0.7039% | 4,600 |
| Return on Equity (ROE) | 8.1971% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.4264% | 3,847 |
| Net charge-offs to loans | 0.1911% | 1,227 |
| Credit loss provision to net charge-offs | 348.4375% | 932 |
| Earnings coverage of net charge-offs (x) | 9.0470% | 2,712 |
| Efficiency ratio | 83.8808% | 1,002 |
| Assets per employee ($millions) | 2.7564% | 5,575 |
| Cash dividends to net income (ytd only)* | 58.2000% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 569 |
| Loan loss allowance to noncurrent loans | 197.7688% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,353 |
| Noncurrent loans to loans | 1.0783% | 2,097 |
| Net loans and leases to total assets | 47.7427% | 4,978 |
| Net loans and leases to deposits | 53.9072% | 5,117 |
| Net loans and leases to core deposits | 55.2199% | 5,188 |
| Total domestic deposits to total assets | 88.5645% | 1,121 |
| Equity capital to assets | 8.7145% | 5,386 |
| Core capital (leverage) ratio | 8.7903% | 5,063 |
| Tier 1 risk-based capital ratio | 15.2237% | 2,942 |
| Total risk-based capital ratio | 16.4790% | 2,877 |
| Memoranda: | ||
| Average total assets | $94,707,250 | 4,491 |
| Average earning assets | $85,031,750 | 4,530 |
| Average equity | $8,132,750 | 4,959 |
| Average total loans | $44,649,250 | 4,770 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,017 |
| Cost of funding earning assets | 0.3102% | 4,017 |
| Net interest margin | 4.0299% | 1,556 |
| Noninterest income to average assets | 1.3510% | 627 |
| Noninterest expense to average assets | 4.1015% | 531 |
| Loan and lease loss provision to assets | 0.3641% | 435 |
| Net operating income to assets | 0.4945% | 4,703 |
| Return on assets (ROA) | 0.7176% | 3,868 |
| Pretax return on assets | 0.7176% | 4,568 |
| Return on Equity (ROE) | 8.3976% | 2,795 |
| Retained earnings to average equity (ytd only) | 3.2261% | 3,841 |
| Net charge-offs to loans | 0.1355% | 1,518 |
| Credit loss provision to net charge-offs | 576.6667% | 591 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 2,116 |
| Efficiency ratio | 82.6899% | 1,188 |
| Assets per employee ($millions) | 2.7466% | 5,646 |
| Cash dividends to net income (ytd only)* | 61.5836% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 608 |
| Loan loss allowance to noncurrent loans | 148.2226% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 2,903 |
| Noncurrent loans to loans | 1.4287% | 1,552 |
| Net loans and leases to total assets | 47.4685% | 5,036 |
| Net loans and leases to deposits | 53.4484% | 5,165 |
| Net loans and leases to core deposits | 54.7584% | 5,238 |
| Total domestic deposits to total assets | 88.8118% | 1,006 |
| Equity capital to assets | 8.8591% | 5,346 |
| Core capital (leverage) ratio | 8.5587% | 5,311 |
| Tier 1 risk-based capital ratio | 15.4251% | 2,892 |
| Total risk-based capital ratio | 16.6808% | 2,823 |
| Memoranda: | ||
| Average total assets | $95,037,330 | 4,516 |
| Average earning assets | $85,113,330 | 4,561 |
| Average equity | $8,121,330 | 5,003 |
| Average total loans | $44,293,000 | 4,820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,374 |
| Cost of funding earning assets | 0.3035% | 4,124 |
| Net interest margin | 3.9264% | 1,858 |
| Noninterest income to average assets | 1.2852% | 664 |
| Noninterest expense to average assets | 4.1309% | 530 |
| Loan and lease loss provision to assets | 0.3505% | 426 |
| Net operating income to assets | 0.3129% | 5,267 |
| Return on assets (ROA) | 1.0765% | 2,099 |
| Pretax return on assets | 1.0765% | 3,182 |
| Return on Equity (ROE) | 12.8270% | 1,075 |
| Retained earnings to average equity (ytd only) | 12.8270% | 412 |
| Net charge-offs to loans | 0.0822% | 1,672 |
| Credit loss provision to net charge-offs | 933.3333% | 392 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,565 |
| Efficiency ratio | 86.1619% | 962 |
| Assets per employee ($millions) | 2.9355% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 807 |
| Loan loss allowance to noncurrent loans | 188.3721% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 3,429 |
| Noncurrent loans to loans | 1.0673% | 2,257 |
| Net loans and leases to total assets | 44.8277% | 5,202 |
| Net loans and leases to deposits | 50.5341% | 5,313 |
| Net loans and leases to core deposits | 51.7371% | 5,363 |
| Total domestic deposits to total assets | 88.7077% | 1,242 |
| Equity capital to assets | 8.4845% | 5,577 |
| Core capital (leverage) ratio | 8.7083% | 5,163 |
| Tier 1 risk-based capital ratio | 15.9545% | 2,703 |
| Total risk-based capital ratio | 17.2084% | 2,646 |
| Memoranda: | ||
| Average total assets | $95,864,000 | 4,536 |
| Average earning assets | $85,677,500 | 4,582 |
| Average equity | $8,045,500 | 5,051 |
| Average total loans | $43,796,000 | 4,875 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,636 |
| Cost of funding earning assets | 0.3171% | 4,069 |
| Net interest margin | 4.1710% | 1,231 |
| Noninterest income to average assets | 1.3975% | 619 |
| Noninterest expense to average assets | 4.3562% | 457 |
| Loan and lease loss provision to assets | 0.0743% | 2,784 |
| Net operating income to assets | 0.6659% | 3,973 |
| Return on assets (ROA) | 0.6745% | 4,025 |
| Pretax return on assets | 0.6745% | 4,599 |
| Return on Equity (ROE) | 8.2903% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.0260% | 3,157 |
| Net charge-offs to loans | 0.2618% | 1,151 |
| Credit loss provision to net charge-offs | 61.0619% | 3,253 |
| Earnings coverage of net charge-offs (x) | 6.0796% | 3,280 |
| Efficiency ratio | 85.4757% | 1,046 |
| Assets per employee ($millions) | 2.8745% | 5,641 |
| Cash dividends to net income (ytd only)* | 51.4377% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 981 |
| Loan loss allowance to noncurrent loans | 223.5616% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 3,839 |
| Noncurrent loans to loans | 0.8434% | 2,677 |
| Net loans and leases to total assets | 44.7621% | 5,241 |
| Net loans and leases to deposits | 50.0784% | 5,389 |
| Net loans and leases to core deposits | 51.0435% | 5,452 |
| Total domestic deposits to total assets | 89.3840% | 918 |
| Equity capital to assets | 8.2988% | 5,705 |
| Core capital (leverage) ratio | 8.5218% | 5,401 |
| Tier 1 risk-based capital ratio | 15.0465% | 3,160 |
| Total risk-based capital ratio | 16.2988% | 3,086 |
| Memoranda: | ||
| Average total assets | $92,810,600 | 4,610 |
| Average earning assets | $82,307,000 | 4,667 |
| Average equity | $7,551,000 | 5,136 |
| Average total loans | $43,158,600 | 4,889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,716 |
| Cost of funding earning assets | 0.3189% | 4,119 |
| Net interest margin | 4.1454% | 1,289 |
| Noninterest income to average assets | 1.4185% | 622 |
| Noninterest expense to average assets | 4.3134% | 484 |
| Loan and lease loss provision to assets | 0.0607% | 2,968 |
| Net operating income to assets | 0.7252% | 3,788 |
| Return on assets (ROA) | 0.7382% | 3,831 |
| Pretax return on assets | 0.7382% | 4,542 |
| Return on Equity (ROE) | 9.1198% | 2,511 |
| Retained earnings to average equity (ytd only) | 4.7651% | 3,077 |
| Net charge-offs to loans | 0.1298% | 1,838 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 12.9521% | 2,367 |
| Efficiency ratio | 84.5892% | 1,112 |
| Assets per employee ($millions) | 2.8261% | 5,732 |
| Cash dividends to net income (ytd only)* | 47.7500% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 887 |
| Loan loss allowance to noncurrent loans | 291.5254% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 4,265 |
| Noncurrent loans to loans | 0.6934% | 3,245 |
| Net loans and leases to total assets | 44.6961% | 5,310 |
| Net loans and leases to deposits | 49.9587% | 5,470 |
| Net loans and leases to core deposits | 50.9391% | 5,543 |
| Total domestic deposits to total assets | 89.4661% | 788 |
| Equity capital to assets | 8.0891% | 5,927 |
| Core capital (leverage) ratio | 8.5844% | 5,477 |
| Tier 1 risk-based capital ratio | 15.5441% | 3,028 |
| Total risk-based capital ratio | 16.7991% | 2,955 |
| Memoranda: | ||
| Average total assets | $92,299,000 | 4,672 |
| Average earning assets | $81,953,000 | 4,737 |
| Average equity | $7,470,750 | 5,219 |
| Average total loans | $43,129,250 | 4,942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4631% | 1,648 |
| Cost of funding earning assets | 0.3212% | 4,140 |
| Net interest margin | 4.1418% | 1,249 |
| Noninterest income to average assets | 1.4221% | 627 |
| Noninterest expense to average assets | 4.2749% | 506 |
| Loan and lease loss provision to assets | 0.0587% | 2,929 |
| Net operating income to assets | 0.7610% | 3,585 |
| Return on assets (ROA) | 0.8111% | 3,429 |
| Pretax return on assets | 0.8111% | 4,287 |
| Return on Equity (ROE) | 10.0184% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.7478% | 2,384 |
| Net charge-offs to loans | 0.0092% | 3,583 |
| Credit loss provision to net charge-offs | 1,350.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 360 |
| Efficiency ratio | 83.9095% | 1,275 |
| Assets per employee ($millions) | 2.7390% | 5,877 |
| Cash dividends to net income (ytd only)* | 42.6273% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 948 |
| Loan loss allowance to noncurrent loans | 248.5955% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 4,366 |
| Noncurrent loans to loans | 0.8149% | 3,087 |
| Net loans and leases to total assets | 45.9608% | 5,246 |
| Net loans and leases to deposits | 51.1961% | 5,433 |
| Net loans and leases to core deposits | 52.1696% | 5,530 |
| Total domestic deposits to total assets | 89.7740% | 759 |
| Equity capital to assets | 7.7777% | 6,051 |
| Core capital (leverage) ratio | 8.5435% | 5,495 |
| Tier 1 risk-based capital ratio | 15.3068% | 3,196 |
| Total risk-based capital ratio | 16.5624% | 3,134 |
| Memoranda: | ||
| Average total assets | $91,978,330 | 4,728 |
| Average earning assets | $81,558,330 | 4,791 |
| Average equity | $7,446,330 | 5,271 |
| Average total loans | $43,324,330 | 4,979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,484 |
| Cost of funding earning assets | 0.3210% | 4,211 |
| Net interest margin | 4.1726% | 1,124 |
| Noninterest income to average assets | 1.3654% | 624 |
| Noninterest expense to average assets | 4.1836% | 565 |
| Loan and lease loss provision to assets | 0.0656% | 2,625 |
| Net operating income to assets | 0.8140% | 3,193 |
| Return on assets (ROA) | 0.9146% | 2,804 |
| Pretax return on assets | 0.9146% | 3,836 |
| Return on Equity (ROE) | 11.0758% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.0758% | 707 |
| Net charge-offs to loans | -0.1020% | 5,864 |
| Credit loss provision to net charge-offs | -136.3636% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6275% | 1,545 |
| Assets per employee ($millions) | 2.7334% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0663% | 970 |
| Loan loss allowance to noncurrent loans | 397.3094% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 4,980 |
| Noncurrent loans to loans | 0.5201% | 4,014 |
| Net loans and leases to total assets | 45.1843% | 5,258 |
| Net loans and leases to deposits | 50.5916% | 5,417 |
| Net loans and leases to core deposits | 51.5632% | 5,517 |
| Total domestic deposits to total assets | 89.3119% | 1,086 |
| Equity capital to assets | 8.2251% | 5,922 |
| Core capital (leverage) ratio | 8.6273% | 5,396 |
| Tier 1 risk-based capital ratio | 15.6449% | 3,084 |
| Total risk-based capital ratio | 16.9014% | 3,021 |
| Memoranda: | ||
| Average total assets | $91,405,000 | 4,781 |
| Average earning assets | $81,005,500 | 4,845 |
| Average equity | $7,548,000 | 5,293 |
| Average total loans | $43,143,500 | 5,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 1,686 |
| Cost of funding earning assets | 0.3578% | 4,169 |
| Net interest margin | 4.1948% | 1,314 |
| Noninterest income to average assets | 1.4681% | 569 |
| Noninterest expense to average assets | 4.1754% | 614 |
| Loan and lease loss provision to assets | 0.0022% | 4,560 |
| Net operating income to assets | 1.0251% | 2,283 |
| Return on assets (ROA) | 0.9723% | 2,598 |
| Pretax return on assets | 0.9723% | 3,605 |
| Return on Equity (ROE) | 12.8524% | 1,172 |
| Retained earnings to average equity (ytd only) | 10.1396% | 491 |
| Net charge-offs to loans | 0.1939% | 2,114 |
| Credit loss provision to net charge-offs | 2.4096% | 4,185 |
| Earnings coverage of net charge-offs (x) | 11.0361% | 2,555 |
| Efficiency ratio | 80.2544% | 1,889 |
| Assets per employee ($millions) | 2.8086% | 5,920 |
| Cash dividends to net income (ytd only)* | 21.1073% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 1,141 |
| Loan loss allowance to noncurrent loans | 589.0411% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 5,373 |
| Noncurrent loans to loans | 0.3363% | 4,644 |
| Net loans and leases to total assets | 47.3424% | 5,214 |
| Net loans and leases to deposits | 53.0741% | 5,406 |
| Net loans and leases to core deposits | 54.1329% | 5,494 |
| Total domestic deposits to total assets | 89.2006% | 1,122 |
| Equity capital to assets | 8.2915% | 5,897 |
| Core capital (leverage) ratio | 8.5948% | 5,451 |
| Tier 1 risk-based capital ratio | 15.6755% | 3,139 |
| Total risk-based capital ratio | 16.9322% | 3,068 |
| Memoranda: | ||
| Average total assets | $89,165,600 | 4,857 |
| Average earning assets | $79,383,400 | 4,897 |
| Average equity | $6,745,800 | 5,470 |
| Average total loans | $42,804,400 | 5,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,793 |
| Cost of funding earning assets | 0.3674% | 4,152 |
| Net interest margin | 4.1537% | 1,417 |
| Noninterest income to average assets | 1.5702% | 514 |
| Noninterest expense to average assets | 4.0334% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2466% | 1,537 |
| Return on assets (ROA) | 1.2121% | 1,703 |
| Pretax return on assets | 1.2121% | 2,731 |
| Return on Equity (ROE) | 16.4195% | 626 |
| Retained earnings to average equity (ytd only) | 13.6390% | 274 |
| Net charge-offs to loans | 0.1094% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.7692% | 1,572 |
| Efficiency ratio | 76.3905% | 2,430 |
| Assets per employee ($millions) | 2.7884% | 5,981 |
| Cash dividends to net income (ytd only)* | 16.9343% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 1,117 |
| Loan loss allowance to noncurrent loans | 569.8113% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 5,493 |
| Noncurrent loans to loans | 0.3649% | 4,817 |
| Net loans and leases to total assets | 47.8202% | 5,223 |
| Net loans and leases to deposits | 53.5982% | 5,419 |
| Net loans and leases to core deposits | 54.8903% | 5,510 |
| Total domestic deposits to total assets | 89.2198% | 1,118 |
| Equity capital to assets | 8.1813% | 6,027 |
| Core capital (leverage) ratio | 8.5217% | 5,638 |
| Tier 1 risk-based capital ratio | 15.9031% | 3,104 |
| Total risk-based capital ratio | 17.1612% | 3,044 |
| Memoranda: | ||
| Average total assets | $88,988,250 | 4,916 |
| Average earning assets | $79,477,000 | 4,950 |
| Average equity | $6,569,250 | 5,560 |
| Average total loans | $42,653,250 | 5,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,646 |
| Cost of funding earning assets | 0.3704% | 4,204 |
| Net interest margin | 4.1879% | 1,281 |
| Noninterest income to average assets | 1.4464% | 578 |
| Noninterest expense to average assets | 3.9456% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2395% | 1,478 |
| Return on assets (ROA) | 1.2350% | 1,555 |
| Pretax return on assets | 1.2350% | 2,522 |
| Return on Equity (ROE) | 17.3578% | 515 |
| Retained earnings to average equity (ytd only) | 14.7336% | 228 |
| Net charge-offs to loans | 0.0661% | 3,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 39.3571% | 1,073 |
| Efficiency ratio | 76.0954% | 2,614 |
| Assets per employee ($millions) | 2.8663% | 5,940 |
| Cash dividends to net income (ytd only)* | 15.1184% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 1,132 |
| Loan loss allowance to noncurrent loans | 908.8235% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 5,738 |
| Noncurrent loans to loans | 0.2339% | 5,295 |
| Net loans and leases to total assets | 46.5336% | 5,309 |
| Net loans and leases to deposits | 53.0079% | 5,423 |
| Net loans and leases to core deposits | 55.8782% | 5,425 |
| Total domestic deposits to total assets | 87.7861% | 2,045 |
| Equity capital to assets | 7.5859% | 6,332 |
| Core capital (leverage) ratio | 8.3725% | 5,773 |
| Tier 1 risk-based capital ratio | 15.5528% | 3,332 |
| Total risk-based capital ratio | 16.8108% | 3,277 |
| Memoranda: | ||
| Average total assets | $88,908,330 | 4,953 |
| Average earning assets | $79,371,670 | 4,998 |
| Average equity | $6,325,670 | 5,653 |
| Average total loans | $42,346,000 | 5,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 1,591 |
| Cost of funding earning assets | 0.3755% | 4,246 |
| Net interest margin | 4.1920% | 1,242 |
| Noninterest income to average assets | 1.3988% | 592 |
| Noninterest expense to average assets | 3.9817% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1428% | 1,652 |
| Return on assets (ROA) | 1.1566% | 1,682 |
| Pretax return on assets | 1.1566% | 2,671 |
| Return on Equity (ROE) | 16.8400% | 546 |
| Retained earnings to average equity (ytd only) | 16.8400% | 226 |
| Net charge-offs to loans | -0.0767% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6985% | 2,516 |
| Assets per employee ($millions) | 2.8402% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 1,067 |
| Loan loss allowance to noncurrent loans | 1,664.9123% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 5,967 |
| Noncurrent loans to loans | 0.1366% | 5,695 |
| Net loans and leases to total assets | 46.3275% | 5,301 |
| Net loans and leases to deposits | 51.3534% | 5,492 |
| Net loans and leases to core deposits | 54.1757% | 5,487 |
| Total domestic deposits to total assets | 90.2132% | 959 |
| Equity capital to assets | 7.1996% | 6,402 |
| Core capital (leverage) ratio | 8.2571% | 5,888 |
| Tier 1 risk-based capital ratio | 15.2236% | 3,597 |
| Total risk-based capital ratio | 16.4826% | 3,546 |
| Memoranda: | ||
| Average total assets | $87,501,000 | 5,032 |
| Average earning assets | $77,767,500 | 5,075 |
| Average equity | $6,009,500 | 5,749 |
| Average total loans | $41,714,500 | 5,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 2,272 |
| Cost of funding earning assets | 0.4505% | 4,105 |
| Net interest margin | 4.0335% | 1,860 |
| Noninterest income to average assets | 1.4453% | 662 |
| Noninterest expense to average assets | 4.3767% | 585 |
| Loan and lease loss provision to assets | 0.0151% | 4,825 |
| Net operating income to assets | 0.6377% | 4,085 |
| Return on assets (ROA) | 0.5760% | 4,489 |
| Pretax return on assets | 0.5760% | 4,950 |
| Return on Equity (ROE) | 8.0619% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.7199% | 4,302 |
| Net charge-offs to loans | 0.2886% | 2,248 |
| Credit loss provision to net charge-offs | 11.3043% | 4,571 |
| Earnings coverage of net charge-offs (x) | 4.8783% | 3,432 |
| Efficiency ratio | 87.0199% | 1,310 |
| Assets per employee ($millions) | 2.6350% | 6,286 |
| Cash dividends to net income (ytd only)* | 66.2626% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 1,104 |
| Loan loss allowance to noncurrent loans | 2,940.6250% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,160 |
| Noncurrent loans to loans | 0.0768% | 5,986 |
| Net loans and leases to total assets | 46.8622% | 5,406 |
| Net loans and leases to deposits | 51.5862% | 5,655 |
| Net loans and leases to core deposits | 55.3272% | 5,592 |
| Total domestic deposits to total assets | 90.8424% | 643 |
| Equity capital to assets | 6.5321% | 6,566 |
| Core capital (leverage) ratio | 8.1307% | 6,031 |
| Tier 1 risk-based capital ratio | 14.7126% | 3,832 |
| Total risk-based capital ratio | 15.9708% | 3,771 |
| Memoranda: | ||
| Average total assets | $85,932,000 | 5,085 |
| Average earning assets | $76,360,000 | 5,139 |
| Average equity | $6,140,000 | 5,780 |
| Average total loans | $39,850,000 | 5,355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 2,462 |
| Cost of funding earning assets | 0.4621% | 4,147 |
| Net interest margin | 3.9770% | 2,015 |
| Noninterest income to average assets | 1.4442% | 706 |
| Noninterest expense to average assets | 4.1846% | 696 |
| Loan and lease loss provision to assets | 0.0202% | 4,591 |
| Net operating income to assets | 0.7750% | 3,485 |
| Return on assets (ROA) | 0.7190% | 3,894 |
| Pretax return on assets | 0.7190% | 4,619 |
| Return on Equity (ROE) | 9.8478% | 2,248 |
| Retained earnings to average equity (ytd only) | 4.9878% | 3,095 |
| Net charge-offs to loans | 0.0914% | 3,652 |
| Credit loss provision to net charge-offs | 48.1481% | 3,554 |
| Earnings coverage of net charge-offs (x) | 18.9256% | 1,653 |
| Efficiency ratio | 84.0313% | 1,597 |
| Assets per employee ($millions) | 2.5973% | 6,383 |
| Cash dividends to net income (ytd only)* | 49.3506% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 885 |
| Loan loss allowance to noncurrent loans | 1,409.5890% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 5,909 |
| Noncurrent loans to loans | 0.1809% | 5,786 |
| Net loans and leases to total assets | 45.8699% | 5,559 |
| Net loans and leases to deposits | 50.5451% | 5,799 |
| Net loans and leases to core deposits | 54.2754% | 5,744 |
| Total domestic deposits to total assets | 90.7504% | 633 |
| Equity capital to assets | 6.5592% | 6,635 |
| Core capital (leverage) ratio | 8.3721% | 5,887 |
| Tier 1 risk-based capital ratio | 15.0451% | 3,728 |
| Total risk-based capital ratio | 16.3070% | 3,669 |
| Memoranda: | ||
| Average total assets | $85,676,250 | 5,137 |
| Average earning assets | $76,169,500 | 5,189 |
| Average equity | $6,255,000 | 5,824 |
| Average total loans | $39,390,000 | 5,425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 2,567 |
| Cost of funding earning assets | 0.4721% | 4,182 |
| Net interest margin | 3.9263% | 2,127 |
| Noninterest income to average assets | 1.4218% | 781 |
| Noninterest expense to average assets | 4.2024% | 693 |
| Loan and lease loss provision to assets | 0.0304% | 4,324 |
| Net operating income to assets | 0.6841% | 3,885 |
| Return on assets (ROA) | 0.9222% | 2,830 |
| Pretax return on assets | 0.9222% | 3,825 |
| Return on Equity (ROE) | 12.2178% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.9802% | 1,495 |
| Net charge-offs to loans | 0.0973% | 3,386 |
| Credit loss provision to net charge-offs | 68.4211% | 2,855 |
| Earnings coverage of net charge-offs (x) | 16.1053% | 1,685 |
| Efficiency ratio | 85.4701% | 1,465 |
| Assets per employee ($millions) | 2.5658% | 6,434 |
| Cash dividends to net income (ytd only)* | 34.6835% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6184% | 864 |
| Loan loss allowance to noncurrent loans | 1,103.1915% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 5,991 |
| Noncurrent loans to loans | 0.2373% | 5,710 |
| Net loans and leases to total assets | 45.5504% | 5,582 |
| Net loans and leases to deposits | 50.4526% | 5,808 |
| Net loans and leases to core deposits | 51.8792% | 5,896 |
| Total domestic deposits to total assets | 90.2836% | 872 |
| Equity capital to assets | 6.9776% | 6,609 |
| Core capital (leverage) ratio | 8.2516% | 5,955 |
| Tier 1 risk-based capital ratio | 15.8910% | 3,263 |
| Total risk-based capital ratio | 17.1552% | 3,196 |
| Memoranda: | ||
| Average total assets | $85,664,330 | 5,168 |
| Average earning assets | $76,255,000 | 5,220 |
| Average equity | $6,466,000 | 5,820 |
| Average total loans | $39,071,670 | 5,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,380 |
| Cost of funding earning assets | 0.4924% | 4,154 |
| Net interest margin | 3.9497% | 1,948 |
| Noninterest income to average assets | 1.3092% | 901 |
| Noninterest expense to average assets | 4.1736% | 738 |
| Loan and lease loss provision to assets | 0.0604% | 3,635 |
| Net operating income to assets | 0.5757% | 4,335 |
| Return on assets (ROA) | 0.9703% | 2,481 |
| Pretax return on assets | 0.9703% | 3,482 |
| Return on Equity (ROE) | 12.3944% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.3944% | 647 |
| Net charge-offs to loans | 0.0825% | 3,017 |
| Credit loss provision to net charge-offs | 162.5000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,336 |
| Efficiency ratio | 86.7761% | 1,428 |
| Assets per employee ($millions) | 2.5601% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6874% | 927 |
| Loan loss allowance to noncurrent loans | 2,183.3333% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 6,233 |
| Noncurrent loans to loans | 0.1231% | 6,101 |
| Net loans and leases to total assets | 43.5980% | 5,707 |
| Net loans and leases to deposits | 48.6133% | 5,876 |
| Net loans and leases to core deposits | 50.1434% | 5,969 |
| Total domestic deposits to total assets | 89.6833% | 1,240 |
| Equity capital to assets | 7.6353% | 6,549 |
| Core capital (leverage) ratio | 8.1835% | 5,945 |
| Tier 1 risk-based capital ratio | 15.4375% | 3,568 |
| Total risk-based capital ratio | 16.7000% | 3,519 |
| Memoranda: | ||
| Average total assets | $86,161,000 | 5,192 |
| Average earning assets | $76,359,500 | 5,257 |
| Average equity | $6,745,000 | 5,804 |
| Average total loans | $38,805,000 | 5,513 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 2,731 |
| Cost of funding earning assets | 0.6086% | 4,259 |
| Net interest margin | 4.0565% | 2,161 |
| Noninterest income to average assets | 1.4370% | 760 |
| Noninterest expense to average assets | 4.2467% | 721 |
| Loan and lease loss provision to assets | 0.0418% | 5,334 |
| Net operating income to assets | 0.7364% | 3,574 |
| Return on assets (ROA) | 1.1625% | 1,886 |
| Pretax return on assets | 1.1625% | 2,940 |
| Return on Equity (ROE) | 14.4631% | 909 |
| Retained earnings to average equity (ytd only) | 9.3995% | 720 |
| Net charge-offs to loans | -0.0268% | 6,598 |
| Credit loss provision to net charge-offs | -350.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5131% | 1,572 |
| Assets per employee ($millions) | 2.5082% | 6,609 |
| Cash dividends to net income (ytd only)* | 35.0103% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7012% | 919 |
| Loan loss allowance to noncurrent loans | 104,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 6,469 |
| Noncurrent loans to loans | 0.0026% | 6,589 |
| Net loans and leases to total assets | 44.0554% | 5,811 |
| Net loans and leases to deposits | 49.3511% | 6,005 |
| Net loans and leases to core deposits | 51.2307% | 6,072 |
| Total domestic deposits to total assets | 89.2693% | 1,394 |
| Equity capital to assets | 8.0254% | 6,390 |
| Core capital (leverage) ratio | 7.9838% | 6,208 |
| Tier 1 risk-based capital ratio | 15.7431% | 3,292 |
| Total risk-based capital ratio | 17.0078% | 3,244 |
| Memoranda: | ||
| Average total assets | $83,783,400 | 5,252 |
| Average earning assets | $74,103,000 | 5,308 |
| Average equity | $6,734,400 | 5,833 |
| Average total loans | $37,329,600 | 5,619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 2,947 |
| Cost of funding earning assets | 0.6261% | 4,400 |
| Net interest margin | 4.0383% | 2,344 |
| Noninterest income to average assets | 1.4434% | 722 |
| Noninterest expense to average assets | 4.0058% | 926 |
| Loan and lease loss provision to assets | 0.0304% | 5,400 |
| Net operating income to assets | 0.9847% | 2,587 |
| Return on assets (ROA) | 1.3507% | 1,470 |
| Pretax return on assets | 1.3507% | 2,408 |
| Return on Equity (ROE) | 16.7980% | 630 |
| Retained earnings to average equity (ytd only) | 12.0666% | 517 |
| Net charge-offs to loans | 0.0288% | 5,261 |
| Credit loss provision to net charge-offs | 237.5000% | 1,164 |
| Earnings coverage of net charge-offs (x) | 79.3486% | 519 |
| Efficiency ratio | 79.7835% | 2,125 |
| Assets per employee ($millions) | 2.4953% | 6,698 |
| Cash dividends to net income (ytd only)* | 28.1661% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 1,011 |
| Loan loss allowance to noncurrent loans | 3,254.8387% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 6,496 |
| Noncurrent loans to loans | 0.0820% | 6,411 |
| Net loans and leases to total assets | 43.3810% | 6,013 |
| Net loans and leases to deposits | 48.8908% | 6,197 |
| Net loans and leases to core deposits | 50.4842% | 6,256 |
| Total domestic deposits to total assets | 88.7304% | 1,576 |
| Equity capital to assets | 8.4949% | 6,264 |
| Core capital (leverage) ratio | 8.1972% | 6,146 |
| Tier 1 risk-based capital ratio | 16.4256% | 3,043 |
| Total risk-based capital ratio | 17.6902% | 3,002 |
| Memoranda: | ||
| Average total assets | $83,409,500 | 5,313 |
| Average earning assets | $73,891,000 | 5,376 |
| Average equity | $6,707,000 | 5,909 |
| Average total loans | $37,008,750 | 5,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,984 |
| Cost of funding earning assets | 0.6455% | 4,484 |
| Net interest margin | 4.0390% | 2,345 |
| Noninterest income to average assets | 1.4349% | 703 |
| Noninterest expense to average assets | 3.9719% | 979 |
| Loan and lease loss provision to assets | 0.0265% | 5,334 |
| Net operating income to assets | 1.0129% | 2,409 |
| Return on assets (ROA) | 1.4590% | 1,204 |
| Pretax return on assets | 1.4590% | 1,982 |
| Return on Equity (ROE) | 18.5006% | 451 |
| Retained earnings to average equity (ytd only) | 11.2227% | 706 |
| Net charge-offs to loans | 0.0054% | 5,420 |
| Credit loss provision to net charge-offs | 1,100.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 95 |
| Efficiency ratio | 79.2589% | 2,295 |
| Assets per employee ($millions) | 2.3411% | 6,875 |
| Cash dividends to net income (ytd only)* | 39.3388% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7262% | 1,009 |
| Loan loss allowance to noncurrent loans | 2,520.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 6,527 |
| Noncurrent loans to loans | 0.1082% | 6,397 |
| Net loans and leases to total assets | 42.6751% | 6,133 |
| Net loans and leases to deposits | 47.8641% | 6,320 |
| Net loans and leases to core deposits | 49.2469% | 6,384 |
| Total domestic deposits to total assets | 89.1589% | 1,415 |
| Equity capital to assets | 8.0327% | 6,548 |
| Core capital (leverage) ratio | 7.8897% | 6,380 |
| Tier 1 risk-based capital ratio | 15.8534% | 3,242 |
| Total risk-based capital ratio | 17.1182% | 3,202 |
| Memoranda: | ||
| Average total assets | $82,933,000 | 5,351 |
| Average earning assets | $73,434,670 | 5,418 |
| Average equity | $6,540,330 | 5,972 |
| Average total loans | $36,740,670 | 5,748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 2,791 |
| Cost of funding earning assets | 0.6593% | 4,643 |
| Net interest margin | 4.1043% | 2,073 |
| Noninterest income to average assets | 1.2983% | 845 |
| Noninterest expense to average assets | 3.7637% | 1,269 |
| Loan and lease loss provision to assets | 0.0292% | 4,998 |
| Net operating income to assets | 1.1379% | 1,930 |
| Return on assets (ROA) | 1.4831% | 1,176 |
| Pretax return on assets | 1.4831% | 1,916 |
| Return on Equity (ROE) | 18.9868% | 455 |
| Retained earnings to average equity (ytd only) | 18.9868% | 217 |
| Net charge-offs to loans | -0.0765% | 6,702 |
| Credit loss provision to net charge-offs | -85.7143% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3314% | 2,738 |
| Assets per employee ($millions) | 2.4626% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 1,043 |
| Loan loss allowance to noncurrent loans | 1,657.3770% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 6,478 |
| Noncurrent loans to loans | 0.1666% | 6,346 |
| Net loans and leases to total assets | 42.5331% | 6,143 |
| Net loans and leases to deposits | 47.6237% | 6,313 |
| Net loans and leases to core deposits | 48.7075% | 6,415 |
| Total domestic deposits to total assets | 89.3109% | 1,476 |
| Equity capital to assets | 7.8622% | 6,603 |
| Core capital (leverage) ratio | 8.0242% | 6,236 |
| Tier 1 risk-based capital ratio | 15.6757% | 3,349 |
| Total risk-based capital ratio | 16.9404% | 3,312 |
| Memoranda: | ||
| Average total assets | $82,259,000 | 5,411 |
| Average earning assets | $72,802,500 | 5,472 |
| Average equity | $6,425,500 | 6,038 |
| Average total loans | $36,623,500 | 5,795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 1,813 |
| Cost of funding earning assets | 0.7634% | 5,112 |
| Net interest margin | 4.5023% | 1,125 |
| Noninterest income to average assets | 1.6581% | 506 |
| Noninterest expense to average assets | 4.6895% | 493 |
| Loan and lease loss provision to assets | 0.0641% | 5,811 |
| Net operating income to assets | 0.8899% | 2,646 |
| Return on assets (ROA) | 1.1413% | 1,811 |
| Pretax return on assets | 1.1413% | 2,690 |
| Return on Equity (ROE) | 14.9334% | 752 |
| Retained earnings to average equity (ytd only) | 5.5203% | 2,288 |
| Net charge-offs to loans | 0.3165% | 3,812 |
| Credit loss provision to net charge-offs | 42.3729% | 5,587 |
| Earnings coverage of net charge-offs (x) | 6.3051% | 2,546 |
| Efficiency ratio | 83.0948% | 1,875 |
| Assets per employee ($millions) | 2.3082% | 7,006 |
| Cash dividends to net income (ytd only)* | 63.0337% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7251% | 1,058 |
| Loan loss allowance to noncurrent loans | 350.1754% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 5,849 |
| Noncurrent loans to loans | 0.7782% | 5,124 |
| Net loans and leases to total assets | 44.0969% | 6,204 |
| Net loans and leases to deposits | 49.4709% | 6,400 |
| Net loans and leases to core deposits | 50.4425% | 6,511 |
| Total domestic deposits to total assets | 89.1370% | 1,455 |
| Equity capital to assets | 7.7586% | 6,710 |
| Core capital (leverage) ratio | 7.8678% | 6,387 |
| Tier 1 risk-based capital ratio | 14.8692% | 3,716 |
| Total risk-based capital ratio | 16.1323% | 3,683 |
| Memoranda: | ||
| Average total assets | $77,982,200 | 5,505 |
| Average earning assets | $69,031,800 | 5,576 |
| Average equity | $5,959,800 | 6,168 |
| Average total loans | $37,281,600 | 5,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 1,734 |
| Cost of funding earning assets | 0.7961% | 5,178 |
| Net interest margin | 4.5392% | 1,067 |
| Noninterest income to average assets | 1.3975% | 667 |
| Noninterest expense to average assets | 4.3390% | 686 |
| Loan and lease loss provision to assets | 0.0759% | 5,500 |
| Net operating income to assets | 1.0058% | 2,299 |
| Return on assets (ROA) | 1.2353% | 1,661 |
| Pretax return on assets | 1.2353% | 2,504 |
| Return on Equity (ROE) | 16.2278% | 650 |
| Retained earnings to average equity (ytd only) | 9.7912% | 904 |
| Net charge-offs to loans | 0.3418% | 3,388 |
| Credit loss provision to net charge-offs | 45.8333% | 5,122 |
| Earnings coverage of net charge-offs (x) | 6.5311% | 2,536 |
| Efficiency ratio | 80.0446% | 2,247 |
| Assets per employee ($millions) | 2.2678% | 7,101 |
| Cash dividends to net income (ytd only)* | 39.6652% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7232% | 1,103 |
| Loan loss allowance to noncurrent loans | 336.8771% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 5,824 |
| Noncurrent loans to loans | 0.8084% | 5,251 |
| Net loans and leases to total assets | 45.6346% | 6,178 |
| Net loans and leases to deposits | 51.3642% | 6,424 |
| Net loans and leases to core deposits | 52.1195% | 6,557 |
| Total domestic deposits to total assets | 88.8452% | 1,521 |
| Equity capital to assets | 8.1488% | 6,600 |
| Core capital (leverage) ratio | 8.0579% | 6,334 |
| Tier 1 risk-based capital ratio | 15.6566% | 3,304 |
| Total risk-based capital ratio | 16.9229% | 3,260 |
| Memoranda: | ||
| Average total assets | $77,280,750 | 5,568 |
| Average earning assets | $68,497,500 | 5,635 |
| Average equity | $5,882,750 | 6,226 |
| Average total loans | $37,446,250 | 5,863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 1,606 |
| Cost of funding earning assets | 0.8360% | 5,158 |
| Net interest margin | 4.5509% | 1,010 |
| Noninterest income to average assets | 1.3632% | 684 |
| Noninterest expense to average assets | 4.4396% | 636 |
| Loan and lease loss provision to assets | 0.0287% | 5,947 |
| Net operating income to assets | 0.9323% | 2,507 |
| Return on assets (ROA) | 1.0995% | 1,958 |
| Pretax return on assets | 1.0995% | 2,854 |
| Return on Equity (ROE) | 14.8040% | 836 |
| Retained earnings to average equity (ytd only) | 8.5448% | 1,251 |
| Net charge-offs to loans | 0.1120% | 4,574 |
| Credit loss provision to net charge-offs | 52.3810% | 4,525 |
| Earnings coverage of net charge-offs (x) | 17.5238% | 1,293 |
| Efficiency ratio | 82.2050% | 2,071 |
| Assets per employee ($millions) | 2.3425% | 7,078 |
| Cash dividends to net income (ytd only)* | 42.2803% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8062% | 1,073 |
| Loan loss allowance to noncurrent loans | 335.2381% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 5,873 |
| Noncurrent loans to loans | 0.8371% | 5,257 |
| Net loans and leases to total assets | 45.9231% | 6,279 |
| Net loans and leases to deposits | 52.4380% | 6,432 |
| Net loans and leases to core deposits | 53.4347% | 6,596 |
| Total domestic deposits to total assets | 87.5760% | 2,428 |
| Equity capital to assets | 7.7696% | 6,823 |
| Core capital (leverage) ratio | 7.8930% | 6,418 |
| Tier 1 risk-based capital ratio | 13.2210% | 4,750 |
| Total risk-based capital ratio | 14.4839% | 4,718 |
| Memoranda: | ||
| Average total assets | $76,583,000 | 5,634 |
| Average earning assets | $67,943,330 | 5,699 |
| Average equity | $5,687,670 | 6,320 |
| Average total loans | $37,516,330 | 5,914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 1,326 |
| Cost of funding earning assets | 0.8828% | 5,044 |
| Net interest margin | 4.6076% | 850 |
| Noninterest income to average assets | 1.3004% | 757 |
| Noninterest expense to average assets | 4.4076% | 644 |
| Loan and lease loss provision to assets | 0.0320% | 5,574 |
| Net operating income to assets | 0.9220% | 2,472 |
| Return on assets (ROA) | 0.9593% | 2,385 |
| Pretax return on assets | 0.9593% | 3,286 |
| Return on Equity (ROE) | 13.2414% | 1,136 |
| Retained earnings to average equity (ytd only) | 8.7540% | 1,471 |
| Net charge-offs to loans | -0.0641% | 6,968 |
| Credit loss provision to net charge-offs | -100.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2068% | 2,192 |
| Assets per employee ($millions) | 2.1701% | 7,270 |
| Cash dividends to net income (ytd only)* | 33.8889% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8948% | 1,011 |
| Loan loss allowance to noncurrent loans | 308.8825% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 5,729 |
| Noncurrent loans to loans | 0.9372% | 5,160 |
| Net loans and leases to total assets | 47.6097% | 6,125 |
| Net loans and leases to deposits | 53.2916% | 6,362 |
| Net loans and leases to core deposits | 54.1276% | 6,545 |
| Total domestic deposits to total assets | 89.3381% | 1,569 |
| Equity capital to assets | 7.4243% | 6,909 |
| Core capital (leverage) ratio | 8.0416% | 6,200 |
| Tier 1 risk-based capital ratio | 11.9906% | 5,699 |
| Total risk-based capital ratio | 13.2525% | 5,677 |
| Memoranda: | ||
| Average total assets | $75,052,500 | 5,727 |
| Average earning assets | $66,152,000 | 5,794 |
| Average equity | $5,437,500 | 6,407 |
| Average total loans | $37,459,000 | 5,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6586% | 1,722 |
| Cost of funding earning assets | 1.0120% | 5,632 |
| Net interest margin | 4.6466% | 914 |
| Noninterest income to average assets | 1.5286% | 624 |
| Noninterest expense to average assets | 5.0831% | 393 |
| Loan and lease loss provision to assets | 0.0391% | 6,768 |
| Net operating income to assets | 0.5058% | 4,070 |
| Return on assets (ROA) | 1.0605% | 1,930 |
| Pretax return on assets | 1.0605% | 2,735 |
| Return on Equity (ROE) | 12.7834% | 1,150 |
| Retained earnings to average equity (ytd only) | -0.7916% | 5,767 |
| Net charge-offs to loans | 0.2183% | 4,985 |
| Credit loss provision to net charge-offs | 33.7349% | 6,465 |
| Earnings coverage of net charge-offs (x) | 4.6988% | 2,842 |
| Efficiency ratio | 90.3178% | 1,300 |
| Assets per employee ($millions) | 2.1186% | 7,357 |
| Cash dividends to net income (ytd only)* | 106.1924% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8292% | 1,020 |
| Loan loss allowance to noncurrent loans | 279.7900% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 5,653 |
| Noncurrent loans to loans | 1.0112% | 5,042 |
| Net loans and leases to total assets | 49.3756% | 6,228 |
| Net loans and leases to deposits | 55.5374% | 6,478 |
| Net loans and leases to core deposits | 56.6493% | 6,660 |
| Total domestic deposits to total assets | 88.9052% | 1,710 |
| Equity capital to assets | 7.0612% | 7,093 |
| Core capital (leverage) ratio | 8.0045% | 6,199 |
| Tier 1 risk-based capital ratio | 13.9152% | 3,921 |
| Total risk-based capital ratio | 15.1815% | 3,881 |
| Memoranda: | ||
| Average total assets | $71,570,000 | 5,835 |
| Average earning assets | $63,143,200 | 5,887 |
| Average equity | $5,937,400 | 6,385 |
| Average total loans | $38,027,200 | 6,006 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6946% | 1,733 |
| Cost of funding earning assets | 1.0195% | 5,847 |
| Net interest margin | 4.6751% | 892 |
| Noninterest income to average assets | 1.5641% | 568 |
| Noninterest expense to average assets | 4.9140% | 406 |
| Loan and lease loss provision to assets | 0.3008% | 4,165 |
| Net operating income to assets | 0.4700% | 4,441 |
| Return on assets (ROA) | 1.2163% | 1,626 |
| Pretax return on assets | 1.2163% | 2,435 |
| Return on Equity (ROE) | 14.1123% | 1,006 |
| Retained earnings to average equity (ytd only) | 1.4177% | 5,238 |
| Net charge-offs to loans | 0.0525% | 5,996 |
| Credit loss provision to net charge-offs | 1,066.6667% | 278 |
| Earnings coverage of net charge-offs (x) | 27.3325% | 936 |
| Efficiency ratio | 86.4418% | 1,585 |
| Assets per employee ($millions) | 2.0714% | 7,488 |
| Cash dividends to net income (ytd only)* | 89.9531% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3897% | 582 |
| Loan loss allowance to noncurrent loans | 1,562.9630% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 6,686 |
| Noncurrent loans to loans | 0.2169% | 6,746 |
| Net loans and leases to total assets | 49.7683% | 6,346 |
| Net loans and leases to deposits | 56.5150% | 6,576 |
| Net loans and leases to core deposits | 57.4518% | 6,769 |
| Total domestic deposits to total assets | 88.0621% | 1,926 |
| Equity capital to assets | 8.5738% | 6,188 |
| Core capital (leverage) ratio | 8.0990% | 6,201 |
| Tier 1 risk-based capital ratio | 12.0076% | 5,458 |
| Total risk-based capital ratio | 13.2730% | 5,412 |
| Memoranda: | ||
| Average total assets | $70,924,500 | 5,917 |
| Average earning assets | $62,513,750 | 5,973 |
| Average equity | $6,112,750 | 6,412 |
| Average total loans | $38,114,250 | 6,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 1,819 |
| Cost of funding earning assets | 1.0019% | 6,132 |
| Net interest margin | 4.6831% | 838 |
| Noninterest income to average assets | 1.6619% | 465 |
| Noninterest expense to average assets | 4.9290% | 398 |
| Loan and lease loss provision to assets | 0.3750% | 3,466 |
| Net operating income to assets | 0.4744% | 4,441 |
| Return on assets (ROA) | 0.9290% | 2,535 |
| Pretax return on assets | 0.9290% | 3,393 |
| Return on Equity (ROE) | 10.7595% | 1,835 |
| Retained earnings to average equity (ytd only) | -7.1072% | 6,747 |
| Net charge-offs to loans | 0.1772% | 4,547 |
| Credit loss provision to net charge-offs | 388.2353% | 935 |
| Earnings coverage of net charge-offs (x) | 8.7941% | 2,096 |
| Efficiency ratio | 85.2999% | 1,790 |
| Assets per employee ($millions) | 2.1754% | 7,461 |
| Cash dividends to net income (ytd only)* | 166.0550% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2064% | 697 |
| Loan loss allowance to noncurrent loans | 1,846.9697% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 6,446 |
| Noncurrent loans to loans | 0.1736% | 6,908 |
| Net loans and leases to total assets | 49.7519% | 6,458 |
| Net loans and leases to deposits | 57.8264% | 6,588 |
| Net loans and leases to core deposits | 58.7646% | 6,783 |
| Total domestic deposits to total assets | 86.0366% | 3,059 |
| Equity capital to assets | 7.9957% | 6,754 |
| Core capital (leverage) ratio | 7.8921% | 6,391 |
| Tier 1 risk-based capital ratio | 11.2680% | 5,977 |
| Total risk-based capital ratio | 12.5311% | 5,948 |
| Memoranda: | ||
| Average total assets | $70,399,330 | 5,965 |
| Average earning assets | $61,881,670 | 6,027 |
| Average equity | $6,078,330 | 6,447 |
| Average total loans | $38,369,670 | 6,121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 2,385 |
| Cost of funding earning assets | 0.9827% | 6,450 |
| Net interest margin | 4.5618% | 1,022 |
| Noninterest income to average assets | 1.6206% | 475 |
| Noninterest expense to average assets | 5.0192% | 359 |
| Loan and lease loss provision to assets | 0.3847% | 3,055 |
| Net operating income to assets | 0.2215% | 5,611 |
| Return on assets (ROA) | 1.0377% | 2,102 |
| Pretax return on assets | 1.0377% | 2,942 |
| Return on Equity (ROE) | 11.5575% | 1,624 |
| Retained earnings to average equity (ytd only) | 7.8565% | 1,771 |
| Net charge-offs to loans | 0.2906% | 3,248 |
| Credit loss provision to net charge-offs | 235.7143% | 1,626 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 2,815 |
| Efficiency ratio | 89.2228% | 1,488 |
| Assets per employee ($millions) | 2.0649% | 7,633 |
| Cash dividends to net income (ytd only)* | 32.0225% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0019% | 821 |
| Loan loss allowance to noncurrent loans | 365.6151% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 5,734 |
| Noncurrent loans to loans | 0.8211% | 5,673 |
| Net loans and leases to total assets | 53.3438% | 6,111 |
| Net loans and leases to deposits | 62.8124% | 6,191 |
| Net loans and leases to core deposits | 63.3565% | 6,501 |
| Total domestic deposits to total assets | 84.9256% | 3,709 |
| Equity capital to assets | 8.8427% | 5,478 |
| Core capital (leverage) ratio | 8.9261% | 4,686 |
| Tier 1 risk-based capital ratio | 12.5422% | 4,704 |
| Total risk-based capital ratio | 13.8065% | 4,655 |
| Memoranda: | ||
| Average total assets | $68,616,500 | 6,086 |
| Average earning assets | $60,240,000 | 6,161 |
| Average equity | $6,160,500 | 6,466 |
| Average total loans | $38,545,500 | 6,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 781 |
| Cost of funding earning assets | 1.0156% | 7,181 |
| Net interest margin | 5.4098% | 204 |
| Noninterest income to average assets | 1.7032% | 500 |
| Noninterest expense to average assets | 5.3732% | 418 |
| Loan and lease loss provision to assets | 0.4091% | 4,356 |
| Net operating income to assets | 0.6910% | 2,968 |
| Return on assets (ROA) | 1.2274% | 1,235 |
| Pretax return on assets | 1.2274% | 1,878 |
| Return on Equity (ROE) | 13.7265% | 833 |
| Retained earnings to average equity (ytd only) | 7.1513% | 921 |
| Net charge-offs to loans | 0.2423% | 5,107 |
| Credit loss provision to net charge-offs | 290.3226% | 1,151 |
| Earnings coverage of net charge-offs (x) | 7.8065% | 2,065 |
| Efficiency ratio | 83.0056% | 2,477 |
| Assets per employee ($millions) | 2.0312% | 7,711 |
| Cash dividends to net income (ytd only)* | 47.9012% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9131% | 835 |
| Loan loss allowance to noncurrent loans | 1,624.6377% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 6,960 |
| Noncurrent loans to loans | 0.1793% | 6,973 |
| Net loans and leases to total assets | 55.7394% | 5,990 |
| Net loans and leases to deposits | 66.0345% | 6,042 |
| Net loans and leases to core deposits | 71.6950% | 6,676 |
| Total domestic deposits to total assets | 84.4095% | 3,835 |
| Equity capital to assets | 9.1201% | 4,955 |
| Core capital (leverage) ratio | 9.0075% | 4,405 |
| Tier 1 risk-based capital ratio | 12.3027% | 4,679 |
| Total risk-based capital ratio | 13.5659% | 4,630 |
| Memoranda: | ||
| Average total assets | $65,994,800 | 6,139 |
| Average earning assets | $58,190,400 | 6,215 |
| Average equity | $5,901,000 | 6,633 |
| Average total loans | $38,379,000 | 6,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5001% | 747 |
| Cost of funding earning assets | 1.0249% | 7,332 |
| Net interest margin | 5.4752% | 189 |
| Noninterest income to average assets | 1.6976% | 512 |
| Noninterest expense to average assets | 5.1842% | 429 |
| Loan and lease loss provision to assets | 0.3975% | 3,930 |
| Net operating income to assets | 0.9594% | 2,200 |
| Return on assets (ROA) | 1.4198% | 1,047 |
| Pretax return on assets | 1.4198% | 1,644 |
| Return on Equity (ROE) | 15.9595% | 663 |
| Retained earnings to average equity (ytd only) | 9.7580% | 678 |
| Net charge-offs to loans | 0.1390% | 5,312 |
| Credit loss provision to net charge-offs | 490.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 16.7257% | 1,454 |
| Efficiency ratio | 79.2558% | 2,958 |
| Assets per employee ($millions) | 1.8899% | 7,859 |
| Cash dividends to net income (ytd only)* | 38.8574% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8387% | 760 |
| Loan loss allowance to noncurrent loans | 511.6279% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 6,366 |
| Noncurrent loans to loans | 0.5548% | 6,205 |
| Net loans and leases to total assets | 58.5947% | 5,794 |
| Net loans and leases to deposits | 68.2486% | 6,111 |
| Net loans and leases to core deposits | 73.4792% | 6,757 |
| Total domestic deposits to total assets | 85.8548% | 2,774 |
| Equity capital to assets | 9.7580% | 4,410 |
| Core capital (leverage) ratio | 9.2624% | 4,245 |
| Tier 1 risk-based capital ratio | 12.7624% | 4,343 |
| Total risk-based capital ratio | 14.0267% | 4,276 |
| Memoranda: | ||
| Average total assets | $65,736,500 | 6,184 |
| Average earning assets | $58,152,000 | 6,246 |
| Average equity | $5,848,000 | 6,723 |
| Average total loans | $38,353,250 | 6,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4970% | 831 |
| Cost of funding earning assets | 1.0305% | 7,491 |
| Net interest margin | 5.4665% | 186 |
| Noninterest income to average assets | 1.6790% | 520 |
| Noninterest expense to average assets | 5.1276% | 472 |
| Loan and lease loss provision to assets | 0.3895% | 3,581 |
| Net operating income to assets | 0.9995% | 2,105 |
| Return on assets (ROA) | 1.3015% | 1,305 |
| Pretax return on assets | 1.3015% | 2,023 |
| Return on Equity (ROE) | 15.1034% | 816 |
| Retained earnings to average equity (ytd only) | 8.9359% | 962 |
| Net charge-offs to loans | 0.1256% | 4,908 |
| Credit loss provision to net charge-offs | 537.5000% | 863 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,375 |
| Efficiency ratio | 78.6840% | 3,240 |
| Assets per employee ($millions) | 1.9795% | 7,867 |
| Cash dividends to net income (ytd only)* | 40.8353% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6955% | 756 |
| Loan loss allowance to noncurrent loans | 859.8361% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 7,059 |
| Noncurrent loans to loans | 0.3135% | 6,731 |
| Net loans and leases to total assets | 57.9713% | 5,966 |
| Net loans and leases to deposits | 66.5448% | 6,343 |
| Net loans and leases to core deposits | 71.4248% | 6,937 |
| Total domestic deposits to total assets | 87.1161% | 2,186 |
| Equity capital to assets | 8.8699% | 5,492 |
| Core capital (leverage) ratio | 8.7754% | 4,972 |
| Tier 1 risk-based capital ratio | 12.2680% | 4,704 |
| Total risk-based capital ratio | 13.5301% | 4,608 |
| Memoranda: | ||
| Average total assets | $66,230,330 | 6,217 |
| Average earning assets | $58,612,000 | 6,284 |
| Average equity | $5,707,330 | 6,826 |
| Average total loans | $38,221,000 | 6,285 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5596% | 772 |
| Cost of funding earning assets | 1.0414% | 7,610 |
| Net interest margin | 5.5182% | 171 |
| Noninterest income to average assets | 1.5476% | 578 |
| Noninterest expense to average assets | 5.1526% | 434 |
| Loan and lease loss provision to assets | 0.3899% | 2,989 |
| Net operating income to assets | 0.8998% | 2,704 |
| Return on assets (ROA) | 1.2177% | 1,712 |
| Pretax return on assets | 1.2177% | 2,560 |
| Return on Equity (ROE) | 14.3362% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.5932% | 1,055 |
| Net charge-offs to loans | -0.1373% | 7,954 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9814% | 2,829 |
| Assets per employee ($millions) | 2.0709% | 7,840 |
| Cash dividends to net income (ytd only)* | 26.1084% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 638 |
| Loan loss allowance to noncurrent loans | 2,376.7442% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 7,402 |
| Noncurrent loans to loans | 0.1128% | 7,207 |
| Net loans and leases to total assets | 55.9727% | 6,245 |
| Net loans and leases to deposits | 63.4583% | 6,607 |
| Net loans and leases to core deposits | 67.8384% | 7,141 |
| Total domestic deposits to total assets | 88.2040% | 1,648 |
| Equity capital to assets | 8.7403% | 5,706 |
| Core capital (leverage) ratio | 8.5247% | 5,484 |
| Tier 1 risk-based capital ratio | 12.4180% | 4,599 |
| Total risk-based capital ratio | 13.6799% | 4,512 |
| Memoranda: | ||
| Average total assets | $66,684,500 | 6,225 |
| Average earning assets | $59,150,000 | 6,296 |
| Average equity | $5,664,000 | 6,894 |
| Average total loans | $37,873,000 | 6,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1038% | 909 |
| Cost of funding earning assets | 1.3971% | 7,739 |
| Net interest margin | 5.7067% | 151 |
| Noninterest income to average assets | 1.6744% | 491 |
| Noninterest expense to average assets | 5.2178% | 572 |
| Loan and lease loss provision to assets | 0.4523% | 3,029 |
| Net operating income to assets | 1.0396% | 2,403 |
| Return on assets (ROA) | 0.9752% | 2,543 |
| Pretax return on assets | 0.9752% | 3,468 |
| Return on Equity (ROE) | 11.6020% | 1,713 |
| Retained earnings to average equity (ytd only) | 0.5473% | 4,908 |
| Net charge-offs to loans | 0.3896% | 2,869 |
| Credit loss provision to net charge-offs | 200.6803% | 2,426 |
| Earnings coverage of net charge-offs (x) | 6.6190% | 3,317 |
| Efficiency ratio | 77.7651% | 2,958 |
| Assets per employee ($millions) | 2.0334% | 7,891 |
| Cash dividends to net income (ytd only)* | 95.2830% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5085% | 673 |
| Loan loss allowance to noncurrent loans | 429.0909% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,279 |
| Noncurrent loans to loans | 0.5846% | 5,621 |
| Net loans and leases to total assets | 54.6758% | 6,585 |
| Net loans and leases to deposits | 63.9331% | 6,804 |
| Net loans and leases to core deposits | 69.1457% | 7,238 |
| Total domestic deposits to total assets | 85.5203% | 2,623 |
| Equity capital to assets | 8.2502% | 6,481 |
| Core capital (leverage) ratio | 8.2932% | 5,964 |
| Tier 1 risk-based capital ratio | 12.0188% | 4,807 |
| Total risk-based capital ratio | 13.2796% | 4,681 |
| Memoranda: | ||
| Average total assets | $65,219,000 | 6,185 |
| Average earning assets | $57,546,600 | 6,280 |
| Average equity | $5,481,800 | 6,983 |
| Average total loans | $37,727,600 | 6,281 |