Home > The Farmers State Bank of Blue Mound > Performance and Condition Ratios
The Farmers State Bank of Blue Mound, 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 | 5.9931% | 643 |
| Cost of funding earning assets | 0.9510% | 3,410 |
| Net interest margin | 5.0420% | 300 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.5919% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2416% | 1,556 |
| Return on assets (ROA) | 1.2416% | 1,532 |
| Pretax return on assets | 1.2416% | 2,027 |
| Return on Equity (ROE) | 8.3900% | 2,918 |
| Retained earnings to average equity (ytd only) | 3.1785% | 3,221 |
| Net charge-offs to loans | -0.0505% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.3119% | 1,424 |
| Assets per employee ($millions) | 2.6062% | 4,421 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,818 |
| Loan loss allowance to noncurrent loans | 38,600.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,834 |
| Noncurrent loans to loans | 0.0033% | 3,768 |
| Net loans and leases to total assets | 59.6600% | 2,876 |
| Net loans and leases to deposits | 71.4355% | 2,788 |
| Net loans and leases to core deposits | 78.6747% | 2,789 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 15.9275% | 465 |
| Core capital (leverage) ratio | 16.5940% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,866,800 | 4,305 |
| Average earning assets | $45,319,000 | 4,295 |
| Average equity | $7,676,600 | 3,972 |
| Average total loans | $29,715,000 | 4,141 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7571% | 725 |
| Cost of funding earning assets | 0.8204% | 3,474 |
| Net interest margin | 4.9368% | 334 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 3.3629% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3955% | 1,328 |
| Return on assets (ROA) | 1.3955% | 1,314 |
| Pretax return on assets | 1.3955% | 1,788 |
| Return on Equity (ROE) | 9.6000% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.1034% | 2,595 |
| Net charge-offs to loans | -0.0045% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6731% | 1,714 |
| Assets per employee ($millions) | 2.9116% | 4,409 |
| Cash dividends to net income (ytd only)* | 36.4299% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 1,782 |
| Loan loss allowance to noncurrent loans | 9,300.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,779 |
| Noncurrent loans to loans | 0.0142% | 3,691 |
| Net loans and leases to total assets | 53.1300% | 3,414 |
| Net loans and leases to deposits | 62.7227% | 3,353 |
| Net loans and leases to core deposits | 66.9279% | 3,381 |
| Total domestic deposits to total assets | 84.7000% | 2,598 |
| Equity capital to assets | 14.6638% | 565 |
| Core capital (leverage) ratio | 16.6243% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $52,454,000 | 4,313 |
| Average earning assets | $45,994,000 | 4,310 |
| Average equity | $7,624,000 | 3,980 |
| Average total loans | $29,662,250 | 4,161 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 706 |
| Cost of funding earning assets | 0.6703% | 3,569 |
| Net interest margin | 4.9621% | 325 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.2247% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5399% | 1,034 |
| Return on assets (ROA) | 1.5399% | 1,026 |
| Pretax return on assets | 1.5399% | 1,519 |
| Return on Equity (ROE) | 10.6300% | 2,527 |
| Retained earnings to average equity (ytd only) | 5.3658% | 2,836 |
| Net charge-offs to loans | 0.0265% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 931 |
| Efficiency ratio | 67.6800% | 2,020 |
| Assets per employee ($millions) | 2.8958% | 4,449 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,487 |
| Loan loss allowance to noncurrent loans | 9,150.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,781 |
| Noncurrent loans to loans | 0.0130% | 3,685 |
| Net loans and leases to total assets | 58.2700% | 2,938 |
| Net loans and leases to deposits | 68.7967% | 2,872 |
| Net loans and leases to core deposits | 72.5347% | 2,989 |
| Total domestic deposits to total assets | 84.6900% | 2,627 |
| Equity capital to assets | 14.7683% | 548 |
| Core capital (leverage) ratio | 16.0742% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $52,469,333 | 4,331 |
| Average earning assets | $45,948,000 | 4,329 |
| Average equity | $7,603,667 | 4,001 |
| Average total loans | $30,145,000 | 4,163 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3650% | 769 |
| Cost of funding earning assets | 0.5739% | 3,466 |
| Net interest margin | 4.7911% | 374 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.2826% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2310% | 1,851 |
| Return on assets (ROA) | 1.2310% | 1,820 |
| Pretax return on assets | 1.2614% | 2,277 |
| Return on Equity (ROE) | 8.5800% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.5754% | 2,064 |
| Net charge-offs to loans | 0.1206% | 532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,488 |
| Efficiency ratio | 72.2408% | 1,519 |
| Assets per employee ($millions) | 3.1762% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,416 |
| Loan loss allowance to noncurrent loans | 4,512.5000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,696 |
| Noncurrent loans to loans | 0.0272% | 3,572 |
| Net loans and leases to total assets | 53.8500% | 3,213 |
| Net loans and leases to deposits | 63.1469% | 3,156 |
| Net loans and leases to core deposits | 66.4169% | 3,197 |
| Total domestic deposits to total assets | 85.2800% | 2,785 |
| Equity capital to assets | 14.2384% | 563 |
| Core capital (leverage) ratio | 16.0074% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,641,500 | 4,388 |
| Average earning assets | $46,002,000 | 4,389 |
| Average equity | $7,556,500 | 4,053 |
| Average total loans | $29,849,000 | 4,224 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 1,841 |
| Cost of funding earning assets | 0.3180% | 2,738 |
| Net interest margin | 3.6358% | 1,538 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 3.3243% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1185% | 4,500 |
| Return on assets (ROA) | 0.1185% | 4,488 |
| Pretax return on assets | 0.1645% | 4,460 |
| Return on Equity (ROE) | 0.8500% | 4,500 |
| Retained earnings to average equity (ytd only) | -2.9648% | 4,521 |
| Net charge-offs to loans | 0.2304% | 344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1.4091% | 2,539 |
| Efficiency ratio | 95.2840% | 210 |
| Assets per employee ($millions) | 2.8493% | 4,548 |
| Cash dividends to net income (ytd only)* | 447.7612% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,266 |
| Loan loss allowance to noncurrent loans | 2,853.8462% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,578 |
| Noncurrent loans to loans | 0.0430% | 3,455 |
| Net loans and leases to total assets | 58.2800% | 2,796 |
| Net loans and leases to deposits | 68.5001% | 2,699 |
| Net loans and leases to core deposits | 71.7768% | 2,740 |
| Total domestic deposits to total assets | 85.0800% | 2,973 |
| Equity capital to assets | 14.4771% | 526 |
| Core capital (leverage) ratio | 16.4242% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,523,600 | 4,374 |
| Average earning assets | $50,002,600 | 4,374 |
| Average equity | $7,859,000 | 4,114 |
| Average total loans | $28,650,000 | 4,261 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 1,944 |
| Cost of funding earning assets | 0.3009% | 2,156 |
| Net interest margin | 3.4343% | 1,854 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.9809% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2974% | 4,383 |
| Return on assets (ROA) | 0.2974% | 4,341 |
| Pretax return on assets | 0.3481% | 4,333 |
| Return on Equity (ROE) | 2.1600% | 4,392 |
| Retained earnings to average equity (ytd only) | -2.8616% | 4,532 |
| Net charge-offs to loans | 0.5287% | 123 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1.3482% | 2,276 |
| Efficiency ratio | 89.5429% | 334 |
| Assets per employee ($millions) | 2.9487% | 4,577 |
| Cash dividends to net income (ytd only)* | 232.5581% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,342 |
| Loan loss allowance to noncurrent loans | 4,062.5000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,817 |
| Noncurrent loans to loans | 0.0304% | 3,682 |
| Net loans and leases to total assets | 48.9100% | 3,538 |
| Net loans and leases to deposits | 57.1935% | 3,393 |
| Net loans and leases to core deposits | 59.9667% | 3,390 |
| Total domestic deposits to total assets | 85.5100% | 3,172 |
| Equity capital to assets | 13.9722% | 569 |
| Core capital (leverage) ratio | 14.9786% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,832,500 | 4,394 |
| Average earning assets | $51,401,000 | 4,394 |
| Average equity | $7,967,500 | 4,136 |
| Average total loans | $28,247,250 | 4,296 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 2,170 |
| Cost of funding earning assets | 0.2803% | 1,903 |
| Net interest margin | 3.2106% | 2,155 |
| Noninterest income to average assets | 0.3029% | 3,345 |
| Noninterest expense to average assets | 2.8005% | 1,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3029% | 4,282 |
| Return on assets (ROA) | 0.3029% | 4,230 |
| Pretax return on assets | 0.3938% | 4,174 |
| Return on Equity (ROE) | 2.2082% | 4,326 |
| Retained earnings to average equity (ytd only) | -5.1525% | 4,550 |
| Net charge-offs to loans | 0.9273% | 70 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.8731% | 2,088 |
| Efficiency ratio | 87.6712% | 502 |
| Assets per employee ($millions) | 3.1627% | 4,605 |
| Cash dividends to net income (ytd only)* | 333.3333% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.3911% | 3,688 |
| Net loans and leases to deposits | 53.8903% | 3,543 |
| Net loans and leases to core deposits | 56.2957% | 3,542 |
| Total domestic deposits to total assets | 86.0844% | 3,225 |
| Equity capital to assets | 13.4694% | 587 |
| Core capital (leverage) ratio | 14.2587% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,417,667 | 4,420 |
| Average earning assets | $53,510,333 | 4,429 |
| Average equity | $8,151,333 | 4,187 |
| Average total loans | $28,901,667 | 4,342 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3125% | 2,349 |
| Cost of funding earning assets | 0.2773% | 1,851 |
| Net interest margin | 3.0352% | 2,382 |
| Noninterest income to average assets | 0.3297% | 3,126 |
| Noninterest expense to average assets | 2.8222% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2506% | 4,238 |
| Return on assets (ROA) | 0.2506% | 4,213 |
| Pretax return on assets | 0.2506% | 4,265 |
| Return on Equity (ROE) | 1.8110% | 4,283 |
| Retained earnings to average equity (ytd only) | 1.8110% | 3,592 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8455% | 470 |
| Assets per employee ($millions) | 3.5496% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,747 |
| Loan loss allowance to noncurrent loans | 315.1079% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,340 |
| Noncurrent loans to loans | 0.4581% | 1,880 |
| Net loans and leases to total assets | 46.8079% | 3,504 |
| Net loans and leases to deposits | 53.9545% | 3,421 |
| Net loans and leases to core deposits | 56.0665% | 3,442 |
| Total domestic deposits to total assets | 86.7544% | 3,017 |
| Equity capital to assets | 12.8778% | 718 |
| Core capital (leverage) ratio | 14.4332% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,662,000 | 4,429 |
| Average earning assets | $54,823,000 | 4,436 |
| Average equity | $8,393,000 | 4,227 |
| Average total loans | $29,996,000 | 4,327 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 1,994 |
| Cost of funding earning assets | 0.3629% | 1,825 |
| Net interest margin | 3.3811% | 2,089 |
| Noninterest income to average assets | 1.2153% | 718 |
| Noninterest expense to average assets | 3.2058% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0449% | 2,499 |
| Return on assets (ROA) | 1.0449% | 2,575 |
| Pretax return on assets | 1.0449% | 3,138 |
| Return on Equity (ROE) | 6.4696% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.9913% | 3,633 |
| Net charge-offs to loans | 0.0290% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 1,151 |
| Efficiency ratio | 75.4185% | 1,163 |
| Assets per employee ($millions) | 3.1906% | 4,657 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 1,650 |
| Loan loss allowance to noncurrent loans | 642.6471% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,096 |
| Noncurrent loans to loans | 0.2294% | 2,811 |
| Net loans and leases to total assets | 50.8610% | 3,188 |
| Net loans and leases to deposits | 60.0399% | 3,066 |
| Net loans and leases to core deposits | 62.7255% | 3,096 |
| Total domestic deposits to total assets | 84.7121% | 3,355 |
| Equity capital to assets | 14.9014% | 507 |
| Core capital (leverage) ratio | 14.8545% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,403,200 | 4,530 |
| Average earning assets | $47,943,000 | 4,535 |
| Average equity | $8,625,000 | 4,275 |
| Average total loans | $31,044,000 | 4,361 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 1,942 |
| Cost of funding earning assets | 0.3807% | 1,850 |
| Net interest margin | 3.4543% | 1,998 |
| Noninterest income to average assets | 1.5675% | 508 |
| Noninterest expense to average assets | 3.3564% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3054% | 1,811 |
| Return on assets (ROA) | 1.3054% | 1,866 |
| Pretax return on assets | 1.3054% | 2,612 |
| Return on Equity (ROE) | 7.9149% | 3,430 |
| Retained earnings to average equity (ytd only) | 3.2863% | 3,804 |
| Net charge-offs to loans | 0.0340% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 64.1250% | 1,103 |
| Efficiency ratio | 71.9978% | 1,401 |
| Assets per employee ($millions) | 2.8814% | 4,772 |
| Cash dividends to net income (ytd only)* | 58.4795% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.7389% | 3,217 |
| Net loans and leases to deposits | 61.6632% | 3,075 |
| Net loans and leases to core deposits | 64.5849% | 3,080 |
| Total domestic deposits to total assets | 83.9057% | 3,484 |
| Equity capital to assets | 15.5938% | 459 |
| Core capital (leverage) ratio | 15.2790% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,396,250 | 4,600 |
| Average earning assets | $46,935,250 | 4,603 |
| Average equity | $8,641,750 | 4,337 |
| Average total loans | $31,393,250 | 4,416 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 1,802 |
| Cost of funding earning assets | 0.3861% | 2,001 |
| Net interest margin | 3.5185% | 1,804 |
| Noninterest income to average assets | 2.2126% | 288 |
| Noninterest expense to average assets | 3.2472% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1080% | 399 |
| Return on assets (ROA) | 2.1080% | 422 |
| Pretax return on assets | 2.1080% | 679 |
| Return on Equity (ROE) | 12.5394% | 1,872 |
| Retained earnings to average equity (ytd only) | 12.5394% | 806 |
| Net charge-offs to loans | 0.0248% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 627 |
| Efficiency ratio | 60.6368% | 2,921 |
| Assets per employee ($millions) | 2.8938% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 2,044 |
| Loan loss allowance to noncurrent loans | 701.5873% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 3,467 |
| Noncurrent loans to loans | 0.1973% | 3,244 |
| Net loans and leases to total assets | 57.2751% | 2,754 |
| Net loans and leases to deposits | 68.7111% | 2,548 |
| Net loans and leases to core deposits | 71.9663% | 2,609 |
| Total domestic deposits to total assets | 83.3564% | 3,621 |
| Equity capital to assets | 16.1598% | 396 |
| Core capital (leverage) ratio | 16.1781% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,613,000 | 4,638 |
| Average earning assets | $46,099,333 | 4,639 |
| Average equity | $8,676,667 | 4,356 |
| Average total loans | $32,270,000 | 4,426 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 1,390 |
| Cost of funding earning assets | 0.4133% | 1,988 |
| Net interest margin | 3.6838% | 1,371 |
| Noninterest income to average assets | 3.4049% | 173 |
| Noninterest expense to average assets | 3.0444% | 921 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.6452% | 98 |
| Return on assets (ROA) | 3.6452% | 104 |
| Pretax return on assets | 3.6452% | 126 |
| Return on Equity (ROE) | 21.2307% | 450 |
| Retained earnings to average equity (ytd only) | 21.2307% | 232 |
| Net charge-offs to loans | -0.0370% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5090% | 4,496 |
| Assets per employee ($millions) | 2.9195% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 2,120 |
| Loan loss allowance to noncurrent loans | 280.6250% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 2,609 |
| Noncurrent loans to loans | 0.4867% | 2,396 |
| Net loans and leases to total assets | 61.6982% | 2,318 |
| Net loans and leases to deposits | 74.4518% | 2,077 |
| Net loans and leases to core deposits | 77.4207% | 2,229 |
| Total domestic deposits to total assets | 82.8700% | 3,717 |
| Equity capital to assets | 16.6866% | 336 |
| Core capital (leverage) ratio | 17.7454% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,928,500 | 4,671 |
| Average earning assets | $44,519,500 | 4,675 |
| Average equity | $8,572,500 | 4,379 |
| Average total loans | $32,438,500 | 4,443 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 363 |
| Cost of funding earning assets | 0.5289% | 2,755 |
| Net interest margin | 4.6269% | 252 |
| Noninterest income to average assets | 0.4322% | 2,947 |
| Noninterest expense to average assets | 3.6682% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8058% | 3,071 |
| Return on assets (ROA) | 0.8058% | 3,187 |
| Pretax return on assets | 0.8492% | 3,504 |
| Return on Equity (ROE) | 4.4141% | 4,056 |
| Retained earnings to average equity (ytd only) | 0.8448% | 4,273 |
| Net charge-offs to loans | -0.0150% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2019% | 799 |
| Assets per employee ($millions) | 2.6281% | 4,879 |
| Cash dividends to net income (ytd only)* | 80.8625% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,998 |
| Loan loss allowance to noncurrent loans | 168.9394% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 1,728 |
| Noncurrent loans to loans | 0.8249% | 1,698 |
| Net loans and leases to total assets | 66.7125% | 1,992 |
| Net loans and leases to deposits | 81.5963% | 1,695 |
| Net loans and leases to core deposits | 84.5882% | 1,984 |
| Total domestic deposits to total assets | 81.7592% | 3,715 |
| Equity capital to assets | 17.7060% | 290 |
| Core capital (leverage) ratio | 17.2089% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,043,800 | 4,697 |
| Average earning assets | $40,653,400 | 4,709 |
| Average equity | $8,404,800 | 4,378 |
| Average total loans | $33,255,600 | 4,452 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 370 |
| Cost of funding earning assets | 0.5420% | 2,979 |
| Net interest margin | 4.7191% | 247 |
| Noninterest income to average assets | 0.4840% | 2,679 |
| Noninterest expense to average assets | 3.6271% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9738% | 2,436 |
| Return on assets (ROA) | 0.9738% | 2,569 |
| Pretax return on assets | 1.0205% | 2,992 |
| Return on Equity (ROE) | 5.2939% | 3,794 |
| Retained earnings to average equity (ytd only) | 0.5389% | 4,380 |
| Net charge-offs to loans | -0.2264% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0427% | 1,030 |
| Assets per employee ($millions) | 2.6312% | 4,909 |
| Cash dividends to net income (ytd only)* | 89.8204% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,579 |
| Loan loss allowance to noncurrent loans | 237.1429% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,414 |
| Noncurrent loans to loans | 0.6068% | 2,283 |
| Net loans and leases to total assets | 72.0177% | 1,662 |
| Net loans and leases to deposits | 88.1256% | 1,472 |
| Net loans and leases to core deposits | 91.3495% | 1,852 |
| Total domestic deposits to total assets | 81.7216% | 3,488 |
| Equity capital to assets | 17.6154% | 330 |
| Core capital (leverage) ratio | 17.6022% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,728,250 | 4,725 |
| Average earning assets | $40,345,750 | 4,734 |
| Average equity | $8,412,000 | 4,405 |
| Average total loans | $33,568,250 | 4,470 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 427 |
| Cost of funding earning assets | 0.5508% | 3,232 |
| Net interest margin | 4.8173% | 276 |
| Noninterest income to average assets | 0.5976% | 2,141 |
| Noninterest expense to average assets | 3.6385% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1730% | 1,715 |
| Return on assets (ROA) | 1.1730% | 1,850 |
| Pretax return on assets | 1.2173% | 2,305 |
| Return on Equity (ROE) | 6.2833% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.2833% | 1,946 |
| Net charge-offs to loans | -0.0722% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9316% | 1,373 |
| Assets per employee ($millions) | 2.6111% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,055 |
| Loan loss allowance to noncurrent loans | 647.1429% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 3,777 |
| Noncurrent loans to loans | 0.1993% | 3,662 |
| Net loans and leases to total assets | 73.7702% | 1,443 |
| Net loans and leases to deposits | 90.9549% | 1,272 |
| Net loans and leases to core deposits | 94.3302% | 1,712 |
| Total domestic deposits to total assets | 81.1064% | 3,577 |
| Equity capital to assets | 18.2468% | 285 |
| Core capital (leverage) ratio | 18.7161% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,183,667 | 4,752 |
| Average earning assets | $39,939,000 | 4,763 |
| Average equity | $8,435,000 | 4,415 |
| Average total loans | $33,222,000 | 4,500 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 329 |
| Cost of funding earning assets | 0.5629% | 3,629 |
| Net interest margin | 4.9942% | 195 |
| Noninterest income to average assets | 0.3614% | 3,355 |
| Noninterest expense to average assets | 3.5776% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1474% | 1,695 |
| Return on assets (ROA) | 1.1474% | 1,803 |
| Pretax return on assets | 1.1925% | 2,227 |
| Return on Equity (ROE) | 6.0733% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.0733% | 1,839 |
| Net charge-offs to loans | 0.0620% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,254 |
| Efficiency ratio | 75.0000% | 1,686 |
| Assets per employee ($millions) | 2.4696% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 1,913 |
| Loan loss allowance to noncurrent loans | 327.8195% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 3,258 |
| Noncurrent loans to loans | 0.4118% | 3,018 |
| Net loans and leases to total assets | 71.6667% | 1,970 |
| Net loans and leases to deposits | 89.1432% | 1,621 |
| Net loans and leases to core deposits | 92.6751% | 2,100 |
| Total domestic deposits to total assets | 80.3950% | 3,778 |
| Equity capital to assets | 18.9683% | 290 |
| Core capital (leverage) ratio | 18.8605% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,275,500 | 4,794 |
| Average earning assets | $39,085,500 | 4,800 |
| Average equity | $8,364,500 | 4,449 |
| Average total loans | $32,270,500 | 4,556 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8682% | 283 |
| Cost of funding earning assets | 0.5423% | 3,914 |
| Net interest margin | 5.3259% | 145 |
| Noninterest income to average assets | 0.4029% | 3,278 |
| Noninterest expense to average assets | 3.7463% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2948% | 1,710 |
| Return on assets (ROA) | 1.2948% | 1,786 |
| Pretax return on assets | 1.3695% | 2,268 |
| Return on Equity (ROE) | 7.0244% | 3,541 |
| Retained earnings to average equity (ytd only) | 3.3403% | 3,340 |
| Net charge-offs to loans | -0.1022% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2301% | 1,696 |
| Assets per employee ($millions) | 2.4499% | 5,010 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,639 |
| Loan loss allowance to noncurrent loans | 464.2105% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,600 |
| Noncurrent loans to loans | 0.2946% | 3,375 |
| Net loans and leases to total assets | 72.1257% | 2,072 |
| Net loans and leases to deposits | 89.4885% | 1,649 |
| Net loans and leases to core deposits | 93.0490% | 2,155 |
| Total domestic deposits to total assets | 80.5978% | 3,852 |
| Equity capital to assets | 18.8149% | 311 |
| Core capital (leverage) ratio | 18.4754% | 310 |
| Tier 1 risk-based capital ratio | 22.4737% | 968 |
| Total risk-based capital ratio | 23.6736% | 951 |
| Memoranda: | ||
| Average total assets | $44,177,000 | 4,843 |
| Average earning assets | $39,092,000 | 4,852 |
| Average equity | $8,143,000 | 4,490 |
| Average total loans | $32,297,000 | 4,595 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 291 |
| Cost of funding earning assets | 0.5342% | 4,000 |
| Net interest margin | 5.3693% | 148 |
| Noninterest income to average assets | 0.4193% | 3,207 |
| Noninterest expense to average assets | 3.6382% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4752% | 1,255 |
| Return on assets (ROA) | 1.4752% | 1,314 |
| Pretax return on assets | 1.5415% | 1,837 |
| Return on Equity (ROE) | 8.0447% | 3,284 |
| Retained earnings to average equity (ytd only) | 3.1093% | 3,849 |
| Net charge-offs to loans | -0.0083% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2388% | 2,085 |
| Assets per employee ($millions) | 2.3906% | 5,103 |
| Cash dividends to net income (ytd only)* | 61.3500% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,847 |
| Loan loss allowance to noncurrent loans | 1,413.7931% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,071 |
| Noncurrent loans to loans | 0.0940% | 4,226 |
| Net loans and leases to total assets | 70.7722% | 2,363 |
| Net loans and leases to deposits | 88.2392% | 1,904 |
| Net loans and leases to core deposits | 91.8534% | 2,383 |
| Total domestic deposits to total assets | 80.2050% | 3,948 |
| Equity capital to assets | 19.0909% | 305 |
| Core capital (leverage) ratio | 19.0516% | 287 |
| Tier 1 risk-based capital ratio | 23.6014% | 884 |
| Total risk-based capital ratio | 24.7849% | 873 |
| Memoranda: | ||
| Average total assets | $44,196,750 | 4,912 |
| Average earning assets | $39,184,750 | 4,925 |
| Average equity | $8,104,500 | 4,542 |
| Average total loans | $32,309,500 | 4,659 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7784% | 349 |
| Cost of funding earning assets | 0.5143% | 4,058 |
| Net interest margin | 5.2641% | 175 |
| Noninterest income to average assets | 0.4306% | 3,061 |
| Noninterest expense to average assets | 3.6155% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4175% | 1,382 |
| Return on assets (ROA) | 1.4175% | 1,436 |
| Pretax return on assets | 1.4983% | 1,866 |
| Return on Equity (ROE) | 7.8337% | 3,360 |
| Retained earnings to average equity (ytd only) | 0.3966% | 4,593 |
| Net charge-offs to loans | -0.0122% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7018% | 2,121 |
| Assets per employee ($millions) | 2.4301% | 5,143 |
| Cash dividends to net income (ytd only)* | 94.9367% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,124 |
| Loan loss allowance to noncurrent loans | 891.3043% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 3,935 |
| Noncurrent loans to loans | 0.1429% | 4,045 |
| Net loans and leases to total assets | 72.6579% | 2,124 |
| Net loans and leases to deposits | 89.7340% | 1,770 |
| Net loans and leases to core deposits | 93.3063% | 2,299 |
| Total domestic deposits to total assets | 80.9702% | 3,823 |
| Equity capital to assets | 18.3736% | 345 |
| Core capital (leverage) ratio | 17.8543% | 352 |
| Tier 1 risk-based capital ratio | 21.9984% | 1,054 |
| Total risk-based capital ratio | 23.1253% | 1,044 |
| Memoranda: | ||
| Average total assets | $44,585,330 | 4,947 |
| Average earning assets | $39,664,670 | 4,959 |
| Average equity | $8,067,670 | 4,571 |
| Average total loans | $32,791,330 | 4,684 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 382 |
| Cost of funding earning assets | 0.4783% | 4,165 |
| Net interest margin | 5.1916% | 204 |
| Noninterest income to average assets | 0.4088% | 3,128 |
| Noninterest expense to average assets | 3.3506% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5375% | 1,035 |
| Return on assets (ROA) | 1.5375% | 1,060 |
| Pretax return on assets | 1.6886% | 1,240 |
| Return on Equity (ROE) | 8.5612% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.5612% | 1,464 |
| Net charge-offs to loans | -0.0121% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4903% | 2,869 |
| Assets per employee ($millions) | 2.5173% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,367 |
| Loan loss allowance to noncurrent loans | 1,952.3810% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,281 |
| Noncurrent loans to loans | 0.0637% | 4,477 |
| Net loans and leases to total assets | 71.8942% | 2,184 |
| Net loans and leases to deposits | 88.3537% | 1,829 |
| Net loans and leases to core deposits | 91.7220% | 2,325 |
| Total domestic deposits to total assets | 81.3710% | 3,890 |
| Equity capital to assets | 18.0530% | 348 |
| Core capital (leverage) ratio | 18.1668% | 329 |
| Tier 1 risk-based capital ratio | 22.1204% | 1,038 |
| Total risk-based capital ratio | 23.2319% | 1,027 |
| Memoranda: | ||
| Average total assets | $45,007,000 | 4,993 |
| Average earning assets | $40,141,500 | 5,000 |
| Average equity | $8,083,000 | 4,610 |
| Average total loans | $33,091,000 | 4,727 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 626 |
| Cost of funding earning assets | 0.3853% | 4,078 |
| Net interest margin | 4.8736% | 338 |
| Noninterest income to average assets | 0.3866% | 3,517 |
| Noninterest expense to average assets | 3.4921% | 1,003 |
| Loan and lease loss provision to assets | 0.1354% | 1,595 |
| Net operating income to assets | 1.0177% | 2,936 |
| Return on assets (ROA) | 1.0177% | 2,920 |
| Pretax return on assets | 1.0680% | 3,380 |
| Return on Equity (ROE) | 5.9906% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.4196% | 3,707 |
| Net charge-offs to loans | 0.0448% | 2,532 |
| Credit loss provision to net charge-offs | 442.8571% | 768 |
| Earnings coverage of net charge-offs (x) | 39.3571% | 1,332 |
| Efficiency ratio | 74.3721% | 1,578 |
| Assets per employee ($millions) | 2.6296% | 5,164 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,396 |
| Loan loss allowance to noncurrent loans | 908.8889% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 4,023 |
| Noncurrent loans to loans | 0.1356% | 4,126 |
| Net loans and leases to total assets | 73.3441% | 2,036 |
| Net loans and leases to deposits | 89.8471% | 1,820 |
| Net loans and leases to core deposits | 93.3066% | 2,288 |
| Total domestic deposits to total assets | 81.6321% | 3,742 |
| Equity capital to assets | 17.8646% | 353 |
| Core capital (leverage) ratio | 17.8842% | 342 |
| Tier 1 risk-based capital ratio | 21.6924% | 1,067 |
| Total risk-based capital ratio | 22.8031% | 1,066 |
| Memoranda: | ||
| Average total assets | $45,788,600 | 5,022 |
| Average earning assets | $40,483,600 | 5,039 |
| Average equity | $7,778,800 | 4,637 |
| Average total loans | $31,253,800 | 4,786 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 793 |
| Cost of funding earning assets | 0.3663% | 4,075 |
| Net interest margin | 4.7164% | 456 |
| Noninterest income to average assets | 0.3821% | 3,591 |
| Noninterest expense to average assets | 3.4765% | 1,014 |
| Loan and lease loss provision to assets | 0.1795% | 1,010 |
| Net operating income to assets | 0.8337% | 3,807 |
| Return on assets (ROA) | 0.8337% | 3,813 |
| Pretax return on assets | 0.9003% | 4,020 |
| Return on Equity (ROE) | 4.9695% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.5184% | 4,720 |
| Net charge-offs to loans | 0.0520% | 2,087 |
| Credit loss provision to net charge-offs | 516.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 31.0825% | 1,574 |
| Efficiency ratio | 76.3024% | 1,316 |
| Assets per employee ($millions) | 2.7796% | 5,167 |
| Cash dividends to net income (ytd only)* | 69.4445% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,078 |
| Loan loss allowance to noncurrent loans | 1,580.7692% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,378 |
| Noncurrent loans to loans | 0.0825% | 4,508 |
| Net loans and leases to total assets | 69.9391% | 2,659 |
| Net loans and leases to deposits | 85.3591% | 2,438 |
| Net loans and leases to core deposits | 88.6482% | 2,780 |
| Total domestic deposits to total assets | 81.9351% | 3,632 |
| Equity capital to assets | 17.4825% | 380 |
| Core capital (leverage) ratio | 17.4487% | 377 |
| Tier 1 risk-based capital ratio | 21.9446% | 1,058 |
| Total risk-based capital ratio | 23.0996% | 1,048 |
| Memoranda: | ||
| Average total assets | $46,060,000 | 5,068 |
| Average earning assets | $40,764,250 | 5,098 |
| Average equity | $7,727,000 | 4,693 |
| Average total loans | $30,768,250 | 4,853 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 958 |
| Cost of funding earning assets | 0.3513% | 4,068 |
| Net interest margin | 4.5769% | 587 |
| Noninterest income to average assets | 0.3735% | 3,658 |
| Noninterest expense to average assets | 3.4386% | 1,087 |
| Loan and lease loss provision to assets | 0.2662% | 574 |
| Net operating income to assets | 0.6139% | 4,454 |
| Return on assets (ROA) | 0.6139% | 4,460 |
| Pretax return on assets | 0.6954% | 4,527 |
| Return on Equity (ROE) | 3.7090% | 4,886 |
| Retained earnings to average equity (ytd only) | -1.4784% | 5,113 |
| Net charge-offs to loans | 0.3211% | 498 |
| Credit loss provision to net charge-offs | 126.5306% | 1,746 |
| Earnings coverage of net charge-offs (x) | 4.5714% | 2,780 |
| Efficiency ratio | 78.1463% | 1,186 |
| Assets per employee ($millions) | 2.6723% | 5,275 |
| Cash dividends to net income (ytd only)* | 139.8601% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,680 |
| Loan loss allowance to noncurrent loans | 909.7561% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,241 |
| Noncurrent loans to loans | 0.1325% | 4,311 |
| Net loans and leases to total assets | 67.3094% | 2,974 |
| Net loans and leases to deposits | 81.4718% | 2,820 |
| Net loans and leases to core deposits | 84.5140% | 3,038 |
| Total domestic deposits to total assets | 82.6168% | 3,516 |
| Equity capital to assets | 16.8329% | 413 |
| Core capital (leverage) ratio | 17.2282% | 371 |
| Tier 1 risk-based capital ratio | 21.8607% | 1,052 |
| Total risk-based capital ratio | 22.9245% | 1,053 |
| Memoranda: | ||
| Average total assets | $46,589,000 | 5,117 |
| Average earning assets | $40,988,330 | 5,152 |
| Average equity | $7,711,000 | 4,744 |
| Average total loans | $30,519,330 | 4,916 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 997 |
| Cost of funding earning assets | 0.3265% | 4,153 |
| Net interest margin | 4.5136% | 599 |
| Noninterest income to average assets | 0.3646% | 3,703 |
| Noninterest expense to average assets | 3.2649% | 1,419 |
| Loan and lease loss provision to assets | 0.5258% | 197 |
| Net operating income to assets | 0.5597% | 4,543 |
| Return on assets (ROA) | 0.5597% | 4,544 |
| Pretax return on assets | 0.5597% | 4,766 |
| Return on Equity (ROE) | 3.4095% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.4095% | 3,844 |
| Net charge-offs to loans | 0.8712% | 163 |
| Credit loss provision to net charge-offs | 93.9394% | 1,642 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 2,504 |
| Efficiency ratio | 75.0487% | 1,742 |
| Assets per employee ($millions) | 2.6137% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,810 |
| Loan loss allowance to noncurrent loans | 1,983.3333% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,615 |
| Noncurrent loans to loans | 0.0604% | 4,708 |
| Net loans and leases to total assets | 62.5345% | 3,483 |
| Net loans and leases to deposits | 75.3412% | 3,285 |
| Net loans and leases to core deposits | 77.5251% | 3,535 |
| Total domestic deposits to total assets | 83.0017% | 3,665 |
| Equity capital to assets | 16.5136% | 439 |
| Core capital (leverage) ratio | 16.9132% | 395 |
| Tier 1 risk-based capital ratio | 22.4134% | 1,003 |
| Total risk-based capital ratio | 23.4409% | 1,008 |
| Memoranda: | ||
| Average total assets | $47,169,000 | 5,166 |
| Average earning assets | $41,651,500 | 5,197 |
| Average equity | $7,743,000 | 4,789 |
| Average total loans | $30,303,500 | 4,967 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 840 |
| Cost of funding earning assets | 0.3159% | 3,993 |
| Net interest margin | 4.5613% | 540 |
| Noninterest income to average assets | 0.4055% | 3,605 |
| Noninterest expense to average assets | 3.4371% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0637% | 2,002 |
| Return on assets (ROA) | 1.0637% | 2,022 |
| Pretax return on assets | 1.0637% | 3,327 |
| Return on Equity (ROE) | 6.4193% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.4193% | 1,325 |
| Net charge-offs to loans | -0.1871% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3663% | 1,566 |
| Assets per employee ($millions) | 2.6273% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,946 |
| Loan loss allowance to noncurrent loans | 313.9130% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,923 |
| Noncurrent loans to loans | 0.3730% | 3,424 |
| Net loans and leases to total assets | 64.4274% | 3,310 |
| Net loans and leases to deposits | 77.4268% | 3,177 |
| Net loans and leases to core deposits | 79.2391% | 3,483 |
| Total domestic deposits to total assets | 83.2107% | 3,492 |
| Equity capital to assets | 16.3178% | 479 |
| Core capital (leverage) ratio | 16.4105% | 426 |
| Tier 1 risk-based capital ratio | 22.3025% | 985 |
| Total risk-based capital ratio | 23.3457% | 985 |
| Memoranda: | ||
| Average total assets | $45,125,000 | 5,252 |
| Average earning assets | $40,515,000 | 5,265 |
| Average equity | $7,477,400 | 4,865 |
| Average total loans | $30,467,400 | 5,013 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 839 |
| Cost of funding earning assets | 0.3117% | 4,007 |
| Net interest margin | 4.5363% | 556 |
| Noninterest income to average assets | 0.4127% | 3,605 |
| Noninterest expense to average assets | 3.3883% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1155% | 2,016 |
| Return on assets (ROA) | 1.1155% | 2,080 |
| Pretax return on assets | 1.1155% | 3,247 |
| Return on Equity (ROE) | 6.7047% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.7047% | 1,839 |
| Net charge-offs to loans | 0.0878% | 1,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.6472% | 2,032 |
| Efficiency ratio | 75.2324% | 1,703 |
| Assets per employee ($millions) | 2.5424% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,460 |
| Loan loss allowance to noncurrent loans | 244.8276% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,046 |
| Noncurrent loans to loans | 0.3760% | 3,605 |
| Net loans and leases to total assets | 66.8029% | 3,005 |
| Net loans and leases to deposits | 80.7390% | 2,896 |
| Net loans and leases to core deposits | 83.3952% | 3,180 |
| Total domestic deposits to total assets | 82.7393% | 3,542 |
| Equity capital to assets | 16.6532% | 469 |
| Core capital (leverage) ratio | 16.6930% | 409 |
| Tier 1 risk-based capital ratio | 22.4032% | 1,006 |
| Total risk-based capital ratio | 23.2382% | 1,031 |
| Memoranda: | ||
| Average total assets | $44,583,250 | 5,315 |
| Average earning assets | $40,208,000 | 5,325 |
| Average equity | $7,417,500 | 4,925 |
| Average total loans | $30,376,750 | 5,067 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 896 |
| Cost of funding earning assets | 0.3347% | 3,752 |
| Net interest margin | 4.4455% | 643 |
| Noninterest income to average assets | 0.3938% | 3,729 |
| Noninterest expense to average assets | 3.5076% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9142% | 2,842 |
| Return on assets (ROA) | 0.9142% | 2,894 |
| Pretax return on assets | 0.9142% | 3,884 |
| Return on Equity (ROE) | 5.4968% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,408 |
| Net charge-offs to loans | 0.2647% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.0500% | 2,863 |
| Efficiency ratio | 79.3245% | 1,292 |
| Assets per employee ($millions) | 2.5067% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,766 |
| Loan loss allowance to noncurrent loans | 249.0566% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 4,210 |
| Noncurrent loans to loans | 0.3477% | 3,789 |
| Net loans and leases to total assets | 66.9725% | 2,956 |
| Net loans and leases to deposits | 80.7946% | 2,830 |
| Net loans and leases to core deposits | 83.4844% | 3,123 |
| Total domestic deposits to total assets | 82.8923% | 3,601 |
| Equity capital to assets | 16.5248% | 468 |
| Core capital (leverage) ratio | 16.5536% | 414 |
| Tier 1 risk-based capital ratio | 22.3101% | 1,016 |
| Total risk-based capital ratio | 23.1014% | 1,050 |
| Memoranda: | ||
| Average total assets | $44,190,000 | 5,365 |
| Average earning assets | $40,040,670 | 5,368 |
| Average equity | $7,349,670 | 4,954 |
| Average total loans | $30,217,330 | 5,108 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 796 |
| Cost of funding earning assets | 0.2920% | 4,125 |
| Net interest margin | 4.4802% | 543 |
| Noninterest income to average assets | 0.3751% | 3,838 |
| Noninterest expense to average assets | 3.4214% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0246% | 2,200 |
| Return on assets (ROA) | 1.0246% | 2,255 |
| Pretax return on assets | 1.0246% | 3,266 |
| Return on Equity (ROE) | 6.1399% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.1399% | 2,263 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9547% | 1,766 |
| Assets per employee ($millions) | 2.4796% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 4,154 |
| Loan loss allowance to noncurrent loans | 75.0617% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 1,661 |
| Noncurrent loans to loans | 1.3612% | 1,480 |
| Net loans and leases to total assets | 65.9826% | 2,972 |
| Net loans and leases to deposits | 79.5108% | 2,807 |
| Net loans and leases to core deposits | 83.3404% | 2,961 |
| Total domestic deposits to total assets | 82.9857% | 3,851 |
| Equity capital to assets | 16.4833% | 434 |
| Core capital (leverage) ratio | 16.6038% | 399 |
| Tier 1 risk-based capital ratio | 22.4894% | 1,032 |
| Total risk-based capital ratio | 23.4193% | 1,049 |
| Memoranda: | ||
| Average total assets | $43,725,000 | 5,429 |
| Average earning assets | $39,730,500 | 5,439 |
| Average equity | $7,296,500 | 5,002 |
| Average total loans | $30,085,000 | 5,159 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 654 |
| Cost of funding earning assets | 0.3040% | 4,026 |
| Net interest margin | 4.6473% | 458 |
| Noninterest income to average assets | 0.4575% | 3,496 |
| Noninterest expense to average assets | 3.6927% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9161% | 2,745 |
| Return on assets (ROA) | 0.9830% | 2,526 |
| Pretax return on assets | 1.0698% | 3,219 |
| Return on Equity (ROE) | 5.8546% | 4,051 |
| Retained earnings to average equity (ytd only) | 3.0600% | 3,719 |
| Net charge-offs to loans | 0.7263% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.9860% | 3,910 |
| Efficiency ratio | 78.7394% | 1,585 |
| Assets per employee ($millions) | 2.3787% | 5,711 |
| Cash dividends to net income (ytd only)* | 47.7327% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,335 |
| Loan loss allowance to noncurrent loans | 197.4026% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 3,132 |
| Noncurrent loans to loans | 0.5063% | 3,325 |
| Net loans and leases to total assets | 70.3272% | 2,418 |
| Net loans and leases to deposits | 85.1439% | 2,290 |
| Net loans and leases to core deposits | 89.4487% | 2,556 |
| Total domestic deposits to total assets | 82.5980% | 3,896 |
| Equity capital to assets | 16.8998% | 397 |
| Core capital (leverage) ratio | 16.5226% | 396 |
| Tier 1 risk-based capital ratio | 22.1777% | 1,054 |
| Total risk-based capital ratio | 23.1085% | 1,078 |
| Memoranda: | ||
| Average total assets | $42,624,400 | 5,494 |
| Average earning assets | $38,818,000 | 5,491 |
| Average equity | $7,156,800 | 5,065 |
| Average total loans | $29,463,200 | 5,211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 646 |
| Cost of funding earning assets | 0.3025% | 4,067 |
| Net interest margin | 4.6548% | 464 |
| Noninterest income to average assets | 0.4478% | 3,575 |
| Noninterest expense to average assets | 3.6169% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9795% | 2,520 |
| Return on assets (ROA) | 1.0679% | 2,238 |
| Pretax return on assets | 1.1681% | 2,978 |
| Return on Equity (ROE) | 6.3705% | 3,898 |
| Retained earnings to average equity (ytd only) | 2.6342% | 4,337 |
| Net charge-offs to loans | 0.9763% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.5981% | 3,676 |
| Efficiency ratio | 77.1543% | 1,815 |
| Assets per employee ($millions) | 2.3957% | 5,772 |
| Cash dividends to net income (ytd only)* | 58.6504% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 4,248 |
| Loan loss allowance to noncurrent loans | 201.3245% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 3,350 |
| Noncurrent loans to loans | 0.5115% | 3,465 |
| Net loans and leases to total assets | 67.7573% | 2,829 |
| Net loans and leases to deposits | 81.9745% | 2,736 |
| Net loans and leases to core deposits | 87.3643% | 2,815 |
| Total domestic deposits to total assets | 82.6566% | 3,724 |
| Equity capital to assets | 16.6779% | 465 |
| Core capital (leverage) ratio | 16.6082% | 399 |
| Tier 1 risk-based capital ratio | 22.7270% | 1,042 |
| Total risk-based capital ratio | 23.6934% | 1,049 |
| Memoranda: | ||
| Average total assets | $42,576,250 | 5,553 |
| Average earning assets | $38,783,000 | 5,544 |
| Average equity | $7,137,000 | 5,115 |
| Average total loans | $29,225,000 | 5,269 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 618 |
| Cost of funding earning assets | 0.2956% | 4,183 |
| Net interest margin | 4.6836% | 430 |
| Noninterest income to average assets | 0.4435% | 3,571 |
| Noninterest expense to average assets | 3.6232% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9390% | 2,684 |
| Return on assets (ROA) | 1.0662% | 2,224 |
| Pretax return on assets | 1.2266% | 2,681 |
| Return on Equity (ROE) | 6.3495% | 3,876 |
| Retained earnings to average equity (ytd only) | 0.7305% | 5,083 |
| Net charge-offs to loans | 1.4626% | 100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.0751% | 3,455 |
| Efficiency ratio | 77.0311% | 1,925 |
| Assets per employee ($millions) | 2.3591% | 5,844 |
| Cash dividends to net income (ytd only)* | 88.4956% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 4,409 |
| Loan loss allowance to noncurrent loans | 290.4762% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 1,973 |
| Noncurrent loans to loans | 0.3509% | 4,117 |
| Net loans and leases to total assets | 69.7414% | 2,517 |
| Net loans and leases to deposits | 84.3900% | 2,420 |
| Net loans and leases to core deposits | 90.0316% | 2,530 |
| Total domestic deposits to total assets | 82.6418% | 3,776 |
| Equity capital to assets | 16.6918% | 468 |
| Core capital (leverage) ratio | 16.8158% | 384 |
| Tier 1 risk-based capital ratio | 22.1149% | 1,121 |
| Total risk-based capital ratio | 23.0747% | 1,140 |
| Memoranda: | ||
| Average total assets | $42,394,000 | 5,621 |
| Average earning assets | $38,560,330 | 5,613 |
| Average equity | $7,118,670 | 5,169 |
| Average total loans | $29,125,670 | 5,326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 507 |
| Cost of funding earning assets | 0.3024% | 4,139 |
| Net interest margin | 4.7759% | 376 |
| Noninterest income to average assets | 0.4344% | 3,581 |
| Noninterest expense to average assets | 3.5128% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2400% | 1,429 |
| Return on assets (ROA) | 1.5298% | 851 |
| Pretax return on assets | 1.5392% | 1,473 |
| Return on Equity (ROE) | 9.0833% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.0833% | 1,095 |
| Net charge-offs to loans | -0.0139% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8095% | 2,513 |
| Assets per employee ($millions) | 2.3281% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 1,110 |
| Loan loss allowance to noncurrent loans | 489.6226% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 1,245 |
| Noncurrent loans to loans | 0.3724% | 4,101 |
| Net loans and leases to total assets | 66.6897% | 2,861 |
| Net loans and leases to deposits | 81.1422% | 2,657 |
| Net loans and leases to core deposits | 83.3194% | 3,002 |
| Total domestic deposits to total assets | 82.1887% | 4,157 |
| Equity capital to assets | 17.2052% | 402 |
| Core capital (leverage) ratio | 16.5196% | 418 |
| Tier 1 risk-based capital ratio | 23.6486% | 954 |
| Total risk-based capital ratio | 24.9049% | 945 |
| Memoranda: | ||
| Average total assets | $42,359,000 | 5,672 |
| Average earning assets | $38,359,000 | 5,676 |
| Average equity | $7,134,000 | 5,206 |
| Average total loans | $28,728,500 | 5,387 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 650 |
| Cost of funding earning assets | 0.3081% | 4,165 |
| Net interest margin | 4.6752% | 475 |
| Noninterest income to average assets | 1.0112% | 1,153 |
| Noninterest expense to average assets | 3.8284% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4005% | 1,036 |
| Return on assets (ROA) | 1.4005% | 1,080 |
| Pretax return on assets | 1.4120% | 1,847 |
| Return on Equity (ROE) | 8.7902% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.8987% | 1,843 |
| Net charge-offs to loans | 0.0075% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 306.5000% | 233 |
| Efficiency ratio | 73.0549% | 2,735 |
| Assets per employee ($millions) | 2.5184% | 5,885 |
| Cash dividends to net income (ytd only)* | 32.8947% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 1,158 |
| Loan loss allowance to noncurrent loans | 450.4348% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 1,228 |
| Noncurrent loans to loans | 0.3967% | 4,034 |
| Net loans and leases to total assets | 66.5071% | 2,910 |
| Net loans and leases to deposits | 81.7814% | 2,618 |
| Net loans and leases to core deposits | 85.2332% | 2,859 |
| Total domestic deposits to total assets | 81.3230% | 4,395 |
| Equity capital to assets | 16.4860% | 469 |
| Core capital (leverage) ratio | 16.1733% | 449 |
| Tier 1 risk-based capital ratio | 22.3072% | 1,109 |
| Total risk-based capital ratio | 23.5620% | 1,087 |
| Memoranda: | ||
| Average total assets | $43,412,600 | 5,695 |
| Average earning assets | $39,271,200 | 5,699 |
| Average equity | $6,916,800 | 5,258 |
| Average total loans | $26,641,400 | 5,501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 556 |
| Cost of funding earning assets | 0.3157% | 4,157 |
| Net interest margin | 4.7429% | 424 |
| Noninterest income to average assets | 1.2120% | 819 |
| Noninterest expense to average assets | 3.8166% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6589% | 676 |
| Return on assets (ROA) | 1.6589% | 698 |
| Pretax return on assets | 1.6711% | 1,186 |
| Return on Equity (ROE) | 10.5013% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.5013% | 552 |
| Net charge-offs to loans | 0.0102% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 272.6517% | 257 |
| Efficiency ratio | 69.5482% | 3,281 |
| Assets per employee ($millions) | 2.5678% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 812 |
| Loan loss allowance to noncurrent loans | 380.8824% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6219% | 1,360 |
| Noncurrent loans to loans | 0.5450% | 3,707 |
| Net loans and leases to total assets | 55.9768% | 4,360 |
| Net loans and leases to deposits | 67.5336% | 4,237 |
| Net loans and leases to core deposits | 70.2721% | 4,347 |
| Total domestic deposits to total assets | 82.8874% | 3,849 |
| Equity capital to assets | 16.4483% | 499 |
| Core capital (leverage) ratio | 15.6844% | 534 |
| Tier 1 risk-based capital ratio | 25.1709% | 839 |
| Total risk-based capital ratio | 26.4294% | 823 |
| Memoranda: | ||
| Average total assets | $43,562,750 | 5,769 |
| Average earning assets | $39,271,750 | 5,775 |
| Average equity | $6,881,500 | 5,334 |
| Average total loans | $26,054,000 | 5,581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2232% | 414 |
| Cost of funding earning assets | 0.3264% | 4,090 |
| Net interest margin | 4.8967% | 301 |
| Noninterest income to average assets | 1.5942% | 508 |
| Noninterest expense to average assets | 3.7902% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2098% | 251 |
| Return on assets (ROA) | 2.2098% | 266 |
| Pretax return on assets | 2.2144% | 402 |
| Return on Equity (ROE) | 14.1846% | 866 |
| Retained earnings to average equity (ytd only) | 14.1846% | 227 |
| Net charge-offs to loans | -0.0076% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1217% | 4,497 |
| Assets per employee ($millions) | 2.6912% | 5,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 1,126 |
| Loan loss allowance to noncurrent loans | 359.3103% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 1,520 |
| Noncurrent loans to loans | 0.5340% | 3,856 |
| Net loans and leases to total assets | 58.2142% | 4,071 |
| Net loans and leases to deposits | 69.3514% | 3,999 |
| Net loans and leases to core deposits | 71.9928% | 4,137 |
| Total domestic deposits to total assets | 83.9410% | 3,594 |
| Equity capital to assets | 15.4995% | 606 |
| Core capital (leverage) ratio | 16.7059% | 385 |
| Tier 1 risk-based capital ratio | 24.4399% | 913 |
| Total risk-based capital ratio | 25.6979% | 897 |
| Memoranda: | ||
| Average total assets | $43,533,000 | 5,829 |
| Average earning assets | $39,210,000 | 5,837 |
| Average equity | $6,782,000 | 5,394 |
| Average total loans | $26,421,000 | 5,615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 1,143 |
| Cost of funding earning assets | 0.3465% | 3,903 |
| Net interest margin | 4.2942% | 886 |
| Noninterest income to average assets | 0.3866% | 4,112 |
| Noninterest expense to average assets | 4.3560% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1226% | 6,113 |
| Return on assets (ROA) | -0.1226% | 6,137 |
| Pretax return on assets | -0.1131% | 6,125 |
| Return on Equity (ROE) | -0.7846% | 6,112 |
| Retained earnings to average equity (ytd only) | -0.7846% | 5,514 |
| Net charge-offs to loans | -0.0153% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6667% | 298 |
| Assets per employee ($millions) | 2.4751% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0591% | 979 |
| Loan loss allowance to noncurrent loans | 427.0492% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 3.9191% | 387 |
| Noncurrent loans to loans | 0.4822% | 4,131 |
| Net loans and leases to total assets | 58.8958% | 3,815 |
| Net loans and leases to deposits | 70.4286% | 3,704 |
| Net loans and leases to core deposits | 73.3665% | 3,838 |
| Total domestic deposits to total assets | 83.6249% | 3,964 |
| Equity capital to assets | 15.7620% | 578 |
| Core capital (leverage) ratio | 15.4597% | 544 |
| Tier 1 risk-based capital ratio | 24.8120% | 906 |
| Total risk-based capital ratio | 26.0689% | 890 |
| Memoranda: | ||
| Average total assets | $42,424,500 | 5,909 |
| Average earning assets | $38,097,500 | 5,919 |
| Average equity | $6,627,500 | 5,478 |
| Average total loans | $26,185,500 | 5,669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 1,203 |
| Cost of funding earning assets | 0.3763% | 3,955 |
| Net interest margin | 4.3759% | 920 |
| Noninterest income to average assets | 0.4606% | 3,778 |
| Noninterest expense to average assets | 3.8724% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5311% | 4,679 |
| Return on assets (ROA) | 0.5334% | 4,755 |
| Pretax return on assets | 0.5522% | 5,097 |
| Return on Equity (ROE) | 3.4994% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.4994% | 3,724 |
| Net charge-offs to loans | 0.2050% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.2545% | 3,698 |
| Efficiency ratio | 87.5664% | 1,029 |
| Assets per employee ($millions) | 2.5161% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 1,267 |
| Loan loss allowance to noncurrent loans | 30.7692% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 4.9190% | 285 |
| Noncurrent loans to loans | 6.2433% | 177 |
| Net loans and leases to total assets | 62.0695% | 3,489 |
| Net loans and leases to deposits | 74.9146% | 3,323 |
| Net loans and leases to core deposits | 78.0142% | 3,517 |
| Total domestic deposits to total assets | 82.8537% | 4,128 |
| Equity capital to assets | 15.4841% | 611 |
| Core capital (leverage) ratio | 15.3404% | 556 |
| Tier 1 risk-based capital ratio | 21.2137% | 1,356 |
| Total risk-based capital ratio | 22.4678% | 1,331 |
| Memoranda: | ||
| Average total assets | $42,557,400 | 5,967 |
| Average earning assets | $38,529,200 | 5,970 |
| Average equity | $6,486,800 | 5,528 |
| Average total loans | $26,829,200 | 5,707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 1,162 |
| Cost of funding earning assets | 0.3887% | 3,914 |
| Net interest margin | 4.3797% | 910 |
| Noninterest income to average assets | 0.4893% | 3,617 |
| Noninterest expense to average assets | 3.8898% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5490% | 4,678 |
| Return on assets (ROA) | 0.5521% | 4,744 |
| Pretax return on assets | 0.5615% | 5,149 |
| Return on Equity (ROE) | 3.6366% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.6366% | 4,060 |
| Net charge-offs to loans | 0.2789% | 1,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1788% | 3,715 |
| Efficiency ratio | 87.4471% | 1,055 |
| Assets per employee ($millions) | 2.5071% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 1,274 |
| Loan loss allowance to noncurrent loans | 29.4886% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.9155% | 357 |
| Noncurrent loans to loans | 6.7581% | 181 |
| Net loans and leases to total assets | 59.8874% | 3,808 |
| Net loans and leases to deposits | 71.3519% | 3,757 |
| Net loans and leases to core deposits | 74.2754% | 3,916 |
| Total domestic deposits to total assets | 83.9324% | 3,793 |
| Equity capital to assets | 15.4059% | 653 |
| Core capital (leverage) ratio | 15.2717% | 580 |
| Tier 1 risk-based capital ratio | 22.0820% | 1,253 |
| Total risk-based capital ratio | 23.3370% | 1,234 |
| Memoranda: | ||
| Average total assets | $42,503,500 | 6,037 |
| Average earning assets | $38,418,500 | 6,041 |
| Average equity | $6,452,750 | 5,593 |
| Average total loans | $26,769,250 | 5,766 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 1,073 |
| Cost of funding earning assets | 0.3916% | 3,974 |
| Net interest margin | 4.4069% | 837 |
| Noninterest income to average assets | 0.4380% | 3,967 |
| Noninterest expense to average assets | 4.0175% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3817% | 5,285 |
| Return on assets (ROA) | 0.3862% | 5,347 |
| Pretax return on assets | 0.4003% | 5,559 |
| Return on Equity (ROE) | 2.5565% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.5565% | 4,577 |
| Net charge-offs to loans | -0.0222% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0352% | 832 |
| Assets per employee ($millions) | 2.5070% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,112 |
| Loan loss allowance to noncurrent loans | 32.9532% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 5.1127% | 343 |
| Noncurrent loans to loans | 6.4812% | 217 |
| Net loans and leases to total assets | 62.1436% | 3,376 |
| Net loans and leases to deposits | 73.9742% | 3,318 |
| Net loans and leases to core deposits | 79.6949% | 3,248 |
| Total domestic deposits to total assets | 84.0071% | 3,914 |
| Equity capital to assets | 15.2233% | 653 |
| Core capital (leverage) ratio | 15.2230% | 566 |
| Tier 1 risk-based capital ratio | 20.3013% | 1,611 |
| Total risk-based capital ratio | 21.5566% | 1,583 |
| Memoranda: | ||
| Average total assets | $42,464,670 | 6,093 |
| Average earning assets | $38,303,670 | 6,095 |
| Average equity | $6,415,000 | 5,628 |
| Average total loans | $27,011,330 | 5,792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 1,081 |
| Cost of funding earning assets | 0.3959% | 4,025 |
| Net interest margin | 4.3862% | 827 |
| Noninterest income to average assets | 0.4152% | 4,065 |
| Noninterest expense to average assets | 4.4258% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0377% | 6,240 |
| Return on assets (ROA) | -0.0283% | 6,241 |
| Pretax return on assets | -0.0283% | 6,235 |
| Return on Equity (ROE) | -0.1881% | 6,239 |
| Retained earnings to average equity (ytd only) | -0.1881% | 5,590 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8602% | 446 |
| Assets per employee ($millions) | 2.5383% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 1,203 |
| Loan loss allowance to noncurrent loans | 27.7242% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 5.3788% | 361 |
| Noncurrent loans to loans | 7.8460% | 173 |
| Net loans and leases to total assets | 59.9268% | 3,570 |
| Net loans and leases to deposits | 70.8466% | 3,492 |
| Net loans and leases to core deposits | 73.1679% | 3,745 |
| Total domestic deposits to total assets | 84.5867% | 4,049 |
| Equity capital to assets | 14.7922% | 713 |
| Core capital (leverage) ratio | 15.2263% | 574 |
| Tier 1 risk-based capital ratio | 20.4634% | 1,596 |
| Total risk-based capital ratio | 21.7198% | 1,566 |
| Memoranda: | ||
| Average total assets | $42,387,500 | 6,159 |
| Average earning assets | $38,393,500 | 6,152 |
| Average equity | $6,378,500 | 5,669 |
| Average total loans | $26,985,500 | 5,855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 694 |
| Cost of funding earning assets | 0.4753% | 3,864 |
| Net interest margin | 4.6833% | 528 |
| Noninterest income to average assets | 0.4309% | 4,224 |
| Noninterest expense to average assets | 4.1427% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4938% | 4,756 |
| Return on assets (ROA) | 0.4857% | 4,934 |
| Pretax return on assets | 0.5714% | 4,964 |
| Return on Equity (ROE) | 3.2011% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.5692% | 5,107 |
| Net charge-offs to loans | 0.6933% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.2323% | 4,659 |
| Efficiency ratio | 87.7016% | 1,247 |
| Assets per employee ($millions) | 2.4485% | 6,432 |
| Cash dividends to net income (ytd only)* | 50.9804% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0881% | 1,357 |
| Loan loss allowance to noncurrent loans | 26.2318% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 5.5665% | 376 |
| Noncurrent loans to loans | 7.9602% | 193 |
| Net loans and leases to total assets | 64.7751% | 2,908 |
| Net loans and leases to deposits | 77.1467% | 2,835 |
| Net loans and leases to core deposits | 80.9913% | 3,010 |
| Total domestic deposits to total assets | 83.9636% | 4,185 |
| Equity capital to assets | 15.3133% | 620 |
| Core capital (leverage) ratio | 14.9156% | 613 |
| Tier 1 risk-based capital ratio | 20.2197% | 1,607 |
| Total risk-based capital ratio | 21.4765% | 1,571 |
| Memoranda: | ||
| Average total assets | $42,001,200 | 6,224 |
| Average earning assets | $38,498,600 | 6,208 |
| Average equity | $6,372,800 | 5,722 |
| Average total loans | $28,560,600 | 5,825 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 690 |
| Cost of funding earning assets | 0.4793% | 3,970 |
| Net interest margin | 4.6894% | 525 |
| Noninterest income to average assets | 0.4371% | 4,247 |
| Noninterest expense to average assets | 4.1175% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5269% | 4,679 |
| Return on assets (ROA) | 0.5163% | 4,886 |
| Pretax return on assets | 0.6145% | 4,969 |
| Return on Equity (ROE) | 3.4104% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.2344% | 5,486 |
| Net charge-offs to loans | 0.9161% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,512 |
| Efficiency ratio | 86.7824% | 1,287 |
| Assets per employee ($millions) | 2.5054% | 6,471 |
| Cash dividends to net income (ytd only)* | 63.8016% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 1,477 |
| Loan loss allowance to noncurrent loans | 28.3951% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 5.0480% | 548 |
| Noncurrent loans to loans | 7.4296% | 263 |
| Net loans and leases to total assets | 62.6447% | 3,233 |
| Net loans and leases to deposits | 74.3742% | 3,180 |
| Net loans and leases to core deposits | 77.9781% | 3,364 |
| Total domestic deposits to total assets | 84.2291% | 4,097 |
| Equity capital to assets | 14.9046% | 727 |
| Core capital (leverage) ratio | 14.7720% | 680 |
| Tier 1 risk-based capital ratio | 20.0893% | 1,713 |
| Total risk-based capital ratio | 21.3463% | 1,688 |
| Memoranda: | ||
| Average total assets | $42,095,500 | 6,295 |
| Average earning assets | $38,668,250 | 6,278 |
| Average equity | $6,372,500 | 5,791 |
| Average total loans | $28,816,500 | 5,874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 558 |
| Cost of funding earning assets | 0.4910% | 3,979 |
| Net interest margin | 4.7757% | 446 |
| Noninterest income to average assets | 0.4436% | 4,213 |
| Noninterest expense to average assets | 4.0114% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7250% | 3,694 |
| Return on assets (ROA) | 0.7250% | 3,862 |
| Pretax return on assets | 0.8395% | 4,159 |
| Return on Equity (ROE) | 4.7644% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.0121% | 3,743 |
| Net charge-offs to loans | 1.2680% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9462% | 4,214 |
| Efficiency ratio | 82.6942% | 1,798 |
| Assets per employee ($millions) | 2.5116% | 6,490 |
| Cash dividends to net income (ytd only)* | 15.7895% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 1,784 |
| Loan loss allowance to noncurrent loans | 120.7819% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4310% | 2,955 |
| Noncurrent loans to loans | 1.6824% | 2,792 |
| Net loans and leases to total assets | 66.2795% | 2,544 |
| Net loans and leases to deposits | 78.7423% | 2,489 |
| Net loans and leases to core deposits | 82.5482% | 2,748 |
| Total domestic deposits to total assets | 84.1726% | 4,253 |
| Equity capital to assets | 15.0616% | 701 |
| Core capital (leverage) ratio | 15.4411% | 533 |
| Tier 1 risk-based capital ratio | 19.3462% | 1,897 |
| Total risk-based capital ratio | 20.5977% | 1,867 |
| Memoranda: | ||
| Average total assets | $41,930,330 | 6,345 |
| Average earning assets | $38,695,670 | 6,326 |
| Average equity | $6,380,670 | 5,828 |
| Average total loans | $29,336,670 | 5,878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 511 |
| Cost of funding earning assets | 0.4998% | 4,091 |
| Net interest margin | 4.8006% | 404 |
| Noninterest income to average assets | 0.4332% | 4,227 |
| Noninterest expense to average assets | 4.1399% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7125% | 3,630 |
| Return on assets (ROA) | 0.7125% | 3,768 |
| Pretax return on assets | 0.7317% | 4,439 |
| Return on Equity (ROE) | 4.6574% | 4,760 |
| Retained earnings to average equity (ytd only) | 3.1469% | 4,375 |
| Net charge-offs to loans | -0.0135% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9802% | 1,642 |
| Assets per employee ($millions) | 2.4631% | 6,618 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6851% | 931 |
| Loan loss allowance to noncurrent loans | 92.6946% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9941% | 2,355 |
| Noncurrent loans to loans | 2.8967% | 1,742 |
| Net loans and leases to total assets | 66.9931% | 2,199 |
| Net loans and leases to deposits | 79.7272% | 2,111 |
| Net loans and leases to core deposits | 82.4356% | 2,518 |
| Total domestic deposits to total assets | 84.0279% | 4,471 |
| Equity capital to assets | 15.2461% | 700 |
| Core capital (leverage) ratio | 15.3505% | 534 |
| Tier 1 risk-based capital ratio | 19.5629% | 1,892 |
| Total risk-based capital ratio | 20.8255% | 1,863 |
| Memoranda: | ||
| Average total assets | $41,546,500 | 6,419 |
| Average earning assets | $38,412,000 | 6,391 |
| Average equity | $6,355,500 | 5,897 |
| Average total loans | $29,561,500 | 5,912 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 630 |
| Cost of funding earning assets | 0.6176% | 4,196 |
| Net interest margin | 4.8761% | 470 |
| Noninterest income to average assets | 0.4958% | 3,930 |
| Noninterest expense to average assets | 3.9118% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0222% | 2,242 |
| Return on assets (ROA) | 1.0222% | 2,457 |
| Pretax return on assets | 1.0576% | 3,332 |
| Return on Equity (ROE) | 7.0085% | 3,638 |
| Retained earnings to average equity (ytd only) | 4.6130% | 2,977 |
| Net charge-offs to loans | -0.7793% | 7,020 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7173% | 2,323 |
| Assets per employee ($millions) | 2.2900% | 6,781 |
| Cash dividends to net income (ytd only)* | 34.1801% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 1,073 |
| Loan loss allowance to noncurrent loans | 112.8467% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6618% | 2,903 |
| Noncurrent loans to loans | 2.2609% | 2,393 |
| Net loans and leases to total assets | 71.6254% | 1,546 |
| Net loans and leases to deposits | 85.4381% | 1,589 |
| Net loans and leases to core deposits | 88.3952% | 2,040 |
| Total domestic deposits to total assets | 83.8331% | 4,389 |
| Equity capital to assets | 15.3493% | 668 |
| Core capital (leverage) ratio | 14.9666% | 576 |
| Tier 1 risk-based capital ratio | 19.0072% | 1,956 |
| Total risk-based capital ratio | 20.2679% | 1,923 |
| Memoranda: | ||
| Average total assets | $42,359,400 | 6,419 |
| Average earning assets | $38,862,800 | 6,403 |
| Average equity | $6,178,200 | 5,976 |
| Average total loans | $28,613,600 | 6,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 792 |
| Cost of funding earning assets | 0.6311% | 4,355 |
| Net interest margin | 4.7930% | 571 |
| Noninterest income to average assets | 0.5065% | 3,882 |
| Noninterest expense to average assets | 3.8394% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0193% | 2,411 |
| Return on assets (ROA) | 1.0193% | 2,642 |
| Pretax return on assets | 1.0599% | 3,503 |
| Return on Equity (ROE) | 7.0780% | 3,760 |
| Retained earnings to average equity (ytd only) | 3.8647% | 4,170 |
| Net charge-offs to loans | -0.8796% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3663% | 2,346 |
| Assets per employee ($millions) | 2.4046% | 6,779 |
| Cash dividends to net income (ytd only)* | 45.3987% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5449% | 1,155 |
| Loan loss allowance to noncurrent loans | 97.0976% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 2,889 |
| Noncurrent loans to loans | 2.6209% | 2,171 |
| Net loans and leases to total assets | 65.1179% | 2,814 |
| Net loans and leases to deposits | 76.8926% | 2,835 |
| Net loans and leases to core deposits | 79.3944% | 3,281 |
| Total domestic deposits to total assets | 84.6868% | 3,897 |
| Equity capital to assets | 14.3890% | 1,008 |
| Core capital (leverage) ratio | 14.3571% | 740 |
| Tier 1 risk-based capital ratio | 19.0187% | 2,006 |
| Total risk-based capital ratio | 20.2838% | 1,972 |
| Memoranda: | ||
| Average total assets | $42,644,250 | 6,482 |
| Average earning assets | $39,083,500 | 6,462 |
| Average equity | $6,141,000 | 6,054 |
| Average total loans | $28,192,750 | 6,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 780 |
| Cost of funding earning assets | 0.6532% | 4,413 |
| Net interest margin | 4.8092% | 551 |
| Noninterest income to average assets | 0.5138% | 3,833 |
| Noninterest expense to average assets | 3.7755% | 1,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1454% | 1,892 |
| Return on assets (ROA) | 1.1454% | 2,109 |
| Pretax return on assets | 1.1454% | 3,136 |
| Return on Equity (ROE) | 7.9516% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.6793% | 3,498 |
| Net charge-offs to loans | -0.0143% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7241% | 2,632 |
| Assets per employee ($millions) | 2.3962% | 6,833 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 2,558 |
| Loan loss allowance to noncurrent loans | 54.2773% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.3579% | 2,369 |
| Noncurrent loans to loans | 3.5012% | 1,637 |
| Net loans and leases to total assets | 66.0646% | 2,657 |
| Net loans and leases to deposits | 77.8509% | 2,696 |
| Net loans and leases to core deposits | 80.3876% | 3,161 |
| Total domestic deposits to total assets | 84.8604% | 3,925 |
| Equity capital to assets | 14.3327% | 965 |
| Core capital (leverage) ratio | 14.1381% | 767 |
| Tier 1 risk-based capital ratio | 18.7483% | 2,050 |
| Total risk-based capital ratio | 19.9963% | 2,014 |
| Memoranda: | ||
| Average total assets | $42,431,330 | 6,528 |
| Average earning assets | $38,883,670 | 6,513 |
| Average equity | $6,112,000 | 6,086 |
| Average total loans | $27,950,000 | 6,156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 841 |
| Cost of funding earning assets | 0.6832% | 4,427 |
| Net interest margin | 4.7619% | 613 |
| Noninterest income to average assets | 0.5228% | 3,761 |
| Noninterest expense to average assets | 3.8212% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0741% | 2,188 |
| Return on assets (ROA) | 1.0741% | 2,373 |
| Pretax return on assets | 1.0741% | 3,416 |
| Return on Equity (ROE) | 7.4379% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.4379% | 2,206 |
| Net charge-offs to loans | -0.0146% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0583% | 2,486 |
| Assets per employee ($millions) | 2.5564% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 2,395 |
| Loan loss allowance to noncurrent loans | 107.6172% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 4,162 |
| Noncurrent loans to loans | 1.8462% | 3,348 |
| Net loans and leases to total assets | 62.5440% | 3,152 |
| Net loans and leases to deposits | 73.4145% | 3,210 |
| Net loans and leases to core deposits | 75.7764% | 3,640 |
| Total domestic deposits to total assets | 85.1929% | 3,935 |
| Equity capital to assets | 14.1168% | 980 |
| Core capital (leverage) ratio | 14.5239% | 682 |
| Tier 1 risk-based capital ratio | 19.2682% | 1,913 |
| Total risk-based capital ratio | 20.5257% | 1,878 |
| Memoranda: | ||
| Average total assets | $42,081,000 | 6,597 |
| Average earning assets | $38,640,000 | 6,575 |
| Average equity | $6,077,000 | 6,125 |
| Average total loans | $27,401,500 | 6,228 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7009% | 780 |
| Cost of funding earning assets | 0.9008% | 4,112 |
| Net interest margin | 4.8001% | 623 |
| Noninterest income to average assets | 0.5448% | 3,547 |
| Noninterest expense to average assets | 3.9013% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0629% | 1,946 |
| Return on assets (ROA) | 1.0799% | 2,027 |
| Pretax return on assets | 1.0799% | 2,910 |
| Return on Equity (ROE) | 7.9074% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.9074% | 1,112 |
| Net charge-offs to loans | -0.0189% | 6,949 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5889% | 2,512 |
| Assets per employee ($millions) | 2.3943% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 2,179 |
| Loan loss allowance to noncurrent loans | 110.8871% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 4,199 |
| Noncurrent loans to loans | 1.8322% | 3,431 |
| Net loans and leases to total assets | 65.1574% | 2,944 |
| Net loans and leases to deposits | 77.2892% | 2,958 |
| Net loans and leases to core deposits | 79.9789% | 3,451 |
| Total domestic deposits to total assets | 84.3034% | 4,184 |
| Equity capital to assets | 14.7876% | 827 |
| Core capital (leverage) ratio | 14.2096% | 773 |
| Tier 1 risk-based capital ratio | 19.5505% | 1,740 |
| Total risk-based capital ratio | 20.8078% | 1,708 |
| Memoranda: | ||
| Average total assets | $41,114,200 | 6,632 |
| Average earning assets | $37,853,400 | 6,609 |
| Average equity | $5,615,000 | 6,256 |
| Average total loans | $26,494,600 | 6,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 775 |
| Cost of funding earning assets | 0.9341% | 4,170 |
| Net interest margin | 4.8145% | 607 |
| Noninterest income to average assets | 0.5208% | 3,720 |
| Noninterest expense to average assets | 3.8203% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1548% | 1,797 |
| Return on assets (ROA) | 1.1257% | 2,017 |
| Pretax return on assets | 1.1063% | 2,982 |
| Return on Equity (ROE) | 8.4148% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.4148% | 1,347 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0888% | 2,665 |
| Assets per employee ($millions) | 2.4802% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,799 |
| Loan loss allowance to noncurrent loans | 97.6703% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3234% | 4,160 |
| Noncurrent loans to loans | 2.2892% | 3,011 |
| Net loans and leases to total assets | 56.5174% | 4,761 |
| Net loans and leases to deposits | 66.4696% | 4,833 |
| Net loans and leases to core deposits | 68.6783% | 5,097 |
| Total domestic deposits to total assets | 85.0275% | 3,758 |
| Equity capital to assets | 13.5661% | 1,343 |
| Core capital (leverage) ratio | 13.5305% | 1,033 |
| Tier 1 risk-based capital ratio | 19.6756% | 1,765 |
| Total risk-based capital ratio | 20.9326% | 1,734 |
| Memoranda: | ||
| Average total assets | $41,217,000 | 6,682 |
| Average earning assets | $37,967,250 | 6,661 |
| Average equity | $5,514,000 | 6,333 |
| Average total loans | $26,350,500 | 6,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 701 |
| Cost of funding earning assets | 0.9703% | 4,168 |
| Net interest margin | 4.8461% | 559 |
| Noninterest income to average assets | 0.5085% | 3,789 |
| Noninterest expense to average assets | 3.8385% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1687% | 1,669 |
| Return on assets (ROA) | 1.1247% | 1,884 |
| Pretax return on assets | 1.0953% | 2,871 |
| Return on Equity (ROE) | 8.4476% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.4476% | 1,282 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1120% | 2,840 |
| Assets per employee ($millions) | 2.4928% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 2,584 |
| Loan loss allowance to noncurrent loans | 109.8790% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 4,548 |
| Noncurrent loans to loans | 1.7535% | 3,818 |
| Net loans and leases to total assets | 65.4648% | 3,144 |
| Net loans and leases to deposits | 76.5402% | 3,368 |
| Net loans and leases to core deposits | 79.0528% | 3,923 |
| Total domestic deposits to total assets | 85.5299% | 3,609 |
| Equity capital to assets | 13.2006% | 1,428 |
| Core capital (leverage) ratio | 13.4012% | 1,025 |
| Tier 1 risk-based capital ratio | 17.3904% | 2,380 |
| Total risk-based capital ratio | 18.6461% | 2,349 |
| Memoranda: | ||
| Average total assets | $40,901,330 | 6,757 |
| Average earning assets | $37,720,670 | 6,727 |
| Average equity | $5,445,330 | 6,390 |
| Average total loans | $27,009,000 | 6,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7827% | 764 |
| Cost of funding earning assets | 1.0141% | 4,092 |
| Net interest margin | 4.7686% | 610 |
| Noninterest income to average assets | 0.4980% | 3,906 |
| Noninterest expense to average assets | 3.9339% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9661% | 2,292 |
| Return on assets (ROA) | 0.9661% | 2,357 |
| Pretax return on assets | 0.9661% | 3,261 |
| Return on Equity (ROE) | 7.2240% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.2240% | 2,059 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2846% | 2,477 |
| Assets per employee ($millions) | 2.4588% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0118% | 2,385 |
| Loan loss allowance to noncurrent loans | 109.8790% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 4,576 |
| Noncurrent loans to loans | 1.8309% | 3,791 |
| Net loans and leases to total assets | 63.5048% | 3,540 |
| Net loans and leases to deposits | 73.9271% | 3,770 |
| Net loans and leases to core deposits | 75.7217% | 4,337 |
| Total domestic deposits to total assets | 85.9019% | 3,580 |
| Equity capital to assets | 12.9641% | 1,398 |
| Core capital (leverage) ratio | 13.2973% | 1,026 |
| Tier 1 risk-based capital ratio | 17.7125% | 2,214 |
| Total risk-based capital ratio | 18.9642% | 2,182 |
| Memoranda: | ||
| Average total assets | $40,163,500 | 6,826 |
| Average earning assets | $37,076,000 | 6,803 |
| Average equity | $5,371,000 | 6,429 |
| Average total loans | $26,370,000 | 6,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1707% | 607 |
| Cost of funding earning assets | 1.1963% | 4,584 |
| Net interest margin | 4.9744% | 461 |
| Noninterest income to average assets | 0.4741% | 4,357 |
| Noninterest expense to average assets | 4.0936% | 1,032 |
| Loan and lease loss provision to assets | 0.3005% | 4,403 |
| Net operating income to assets | 0.7358% | 3,070 |
| Return on assets (ROA) | 0.7358% | 3,194 |
| Pretax return on assets | 0.6477% | 4,174 |
| Return on Equity (ROE) | 5.4462% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.4462% | 2,149 |
| Net charge-offs to loans | 0.5163% | 3,552 |
| Credit loss provision to net charge-offs | 89.9225% | 5,138 |
| Earnings coverage of net charge-offs (x) | 2.8372% | 3,657 |
| Efficiency ratio | 81.1922% | 2,265 |
| Assets per employee ($millions) | 2.2663% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 2,015 |
| Loan loss allowance to noncurrent loans | 109.8790% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2874% | 4,455 |
| Noncurrent loans to loans | 1.9337% | 3,653 |
| Net loans and leases to total assets | 65.1621% | 3,634 |
| Net loans and leases to deposits | 76.8771% | 3,710 |
| Net loans and leases to core deposits | 78.9316% | 4,353 |
| Total domestic deposits to total assets | 84.7613% | 3,966 |
| Equity capital to assets | 13.8163% | 1,097 |
| Core capital (leverage) ratio | 13.3901% | 1,006 |
| Tier 1 risk-based capital ratio | 18.5057% | 1,842 |
| Total risk-based capital ratio | 19.7648% | 1,803 |
| Memoranda: | ||
| Average total assets | $38,596,800 | 6,918 |
| Average earning assets | $35,441,600 | 6,898 |
| Average equity | $5,214,600 | 6,590 |
| Average total loans | $24,983,800 | 6,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2295% | 583 |
| Cost of funding earning assets | 1.2188% | 4,751 |
| Net interest margin | 5.0107% | 433 |
| Noninterest income to average assets | 0.4661% | 4,440 |
| Noninterest expense to average assets | 4.0295% | 1,019 |
| Loan and lease loss provision to assets | 0.4005% | 3,500 |
| Net operating income to assets | 0.7527% | 3,206 |
| Return on assets (ROA) | 0.7527% | 3,366 |
| Pretax return on assets | 0.6353% | 4,468 |
| Return on Equity (ROE) | 5.6031% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.6031% | 2,590 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5501% | 2,416 |
| Assets per employee ($millions) | 2.3263% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8044% | 997 |
| Loan loss allowance to noncurrent loans | 67,400.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,376 |
| Noncurrent loans to loans | 0.0042% | 7,264 |
| Net loans and leases to total assets | 59.0690% | 5,091 |
| Net loans and leases to deposits | 69.4845% | 5,219 |
| Net loans and leases to core deposits | 71.8526% | 5,528 |
| Total domestic deposits to total assets | 85.0102% | 3,614 |
| Equity capital to assets | 13.4877% | 1,354 |
| Core capital (leverage) ratio | 13.6345% | 1,017 |
| Tier 1 risk-based capital ratio | 19.2364% | 1,698 |
| Total risk-based capital ratio | 20.4958% | 1,667 |
| Memoranda: | ||
| Average total assets | $38,614,250 | 6,998 |
| Average earning assets | $35,443,500 | 6,978 |
| Average equity | $5,187,500 | 6,679 |
| Average total loans | $24,817,250 | 6,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2543% | 559 |
| Cost of funding earning assets | 1.2520% | 4,813 |
| Net interest margin | 5.0023% | 416 |
| Noninterest income to average assets | 0.4647% | 4,399 |
| Noninterest expense to average assets | 4.0728% | 953 |
| Loan and lease loss provision to assets | 0.6057% | 2,370 |
| Net operating income to assets | 0.5535% | 4,071 |
| Return on assets (ROA) | 0.5535% | 4,214 |
| Pretax return on assets | 0.3759% | 5,286 |
| Return on Equity (ROE) | 4.1256% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.1256% | 3,443 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5785% | 2,359 |
| Assets per employee ($millions) | 2.2898% | 7,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6119% | 1,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.5593% | 4,147 |
| Net loans and leases to deposits | 75.6981% | 4,383 |
| Net loans and leases to core deposits | 78.3117% | 4,889 |
| Total domestic deposits to total assets | 85.2853% | 3,473 |
| Equity capital to assets | 13.3301% | 1,425 |
| Core capital (leverage) ratio | 13.2281% | 1,130 |
| Tier 1 risk-based capital ratio | 17.6183% | 2,071 |
| Total risk-based capital ratio | 18.8818% | 2,032 |
| Memoranda: | ||
| Average total assets | $38,303,330 | 7,059 |
| Average earning assets | $35,143,670 | 7,037 |
| Average equity | $5,138,670 | 6,737 |
| Average total loans | $25,078,330 | 6,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2057% | 634 |
| Cost of funding earning assets | 1.2895% | 4,876 |
| Net interest margin | 4.9162% | 498 |
| Noninterest income to average assets | 0.4738% | 4,260 |
| Noninterest expense to average assets | 4.1904% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7581% | 3,169 |
| Return on assets (ROA) | 0.7581% | 3,279 |
| Pretax return on assets | 0.7791% | 3,955 |
| Return on Equity (ROE) | 5.6322% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.6322% | 2,798 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3220% | 1,995 |
| Assets per employee ($millions) | 2.2474% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 1,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.9732% | 4,108 |
| Net loans and leases to deposits | 76.3104% | 4,357 |
| Net loans and leases to core deposits | 79.0013% | 4,894 |
| Total domestic deposits to total assets | 85.1433% | 3,589 |
| Equity capital to assets | 13.4773% | 1,336 |
| Core capital (leverage) ratio | 13.5950% | 1,057 |
| Tier 1 risk-based capital ratio | 17.7235% | 2,014 |
| Total risk-based capital ratio | 18.9787% | 1,986 |
| Memoranda: | ||
| Average total assets | $37,991,500 | 7,163 |
| Average earning assets | $34,742,500 | 7,138 |
| Average equity | $5,113,500 | 6,812 |
| Average total loans | $24,715,000 | 6,899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4812% | 699 |
| Cost of funding earning assets | 1.5595% | 5,229 |
| Net interest margin | 4.9218% | 532 |
| Noninterest income to average assets | 0.5478% | 4,042 |
| Noninterest expense to average assets | 4.2908% | 1,001 |
| Loan and lease loss provision to assets | 0.0161% | 7,339 |
| Net operating income to assets | 0.6788% | 3,020 |
| Return on assets (ROA) | 0.7008% | 2,998 |
| Pretax return on assets | 0.7733% | 3,329 |
| Return on Equity (ROE) | 5.1184% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.1184% | 1,759 |
| Net charge-offs to loans | -0.2792% | 7,926 |
| Credit loss provision to net charge-offs | -9.2308% | 7,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8646% | 2,251 |
| Assets per employee ($millions) | 2.0988% | 7,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3203% | 1,448 |
| Loan loss allowance to noncurrent loans | 13,950.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,506 |
| Noncurrent loans to loans | 0.0166% | 7,396 |
| Net loans and leases to total assets | 62.1817% | 4,949 |
| Net loans and leases to deposits | 73.2058% | 5,164 |
| Net loans and leases to core deposits | 90.2147% | 5,103 |
| Total domestic deposits to total assets | 84.9410% | 3,576 |
| Equity capital to assets | 13.4417% | 1,347 |
| Core capital (leverage) ratio | 13.4482% | 1,107 |
| Tier 1 risk-based capital ratio | 18.3602% | 1,788 |
| Total risk-based capital ratio | 19.6213% | 1,742 |
| Memoranda: | ||
| Average total assets | $37,242,800 | 7,203 |
| Average earning assets | $34,113,800 | 7,179 |
| Average equity | $5,099,200 | 6,906 |
| Average total loans | $23,280,000 | 7,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4894% | 762 |
| Cost of funding earning assets | 1.6145% | 5,337 |
| Net interest margin | 4.8749% | 588 |
| Noninterest income to average assets | 0.5677% | 3,944 |
| Noninterest expense to average assets | 4.2001% | 1,030 |
| Loan and lease loss provision to assets | 0.0216% | 7,141 |
| Net operating income to assets | 0.7878% | 2,866 |
| Return on assets (ROA) | 0.8192% | 2,795 |
| Pretax return on assets | 0.8479% | 3,387 |
| Return on Equity (ROE) | 5.9553% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.9553% | 1,973 |
| Net charge-offs to loans | 0.0289% | 6,478 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 46.5757% | 673 |
| Efficiency ratio | 83.3809% | 2,372 |
| Assets per employee ($millions) | 2.0649% | 7,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 1,494 |
| Loan loss allowance to noncurrent loans | 478.4314% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 6,818 |
| Noncurrent loans to loans | 0.4510% | 6,420 |
| Net loans and leases to total assets | 59.5351% | 5,659 |
| Net loans and leases to deposits | 70.3593% | 5,864 |
| Net loans and leases to core deposits | 86.2119% | 5,843 |
| Total domestic deposits to total assets | 84.6158% | 3,424 |
| Equity capital to assets | 13.6004% | 1,454 |
| Core capital (leverage) ratio | 13.5835% | 1,209 |
| Tier 1 risk-based capital ratio | 19.0744% | 1,735 |
| Total risk-based capital ratio | 20.3325% | 1,689 |
| Memoranda: | ||
| Average total assets | $37,109,000 | 7,268 |
| Average earning assets | $34,023,750 | 7,246 |
| Average equity | $5,104,500 | 6,967 |
| Average total loans | $23,087,750 | 7,084 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5158% | 792 |
| Cost of funding earning assets | 1.6614% | 5,466 |
| Net interest margin | 4.8545% | 597 |
| Noninterest income to average assets | 0.5986% | 3,709 |
| Noninterest expense to average assets | 4.3085% | 939 |
| Loan and lease loss provision to assets | 0.0324% | 6,917 |
| Net operating income to assets | 0.6706% | 3,380 |
| Return on assets (ROA) | 0.7172% | 3,285 |
| Pretax return on assets | 0.7495% | 3,830 |
| Return on Equity (ROE) | 5.1943% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.1943% | 2,397 |
| Net charge-offs to loans | 0.0430% | 5,861 |
| Credit loss provision to net charge-offs | 120.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,062 |
| Efficiency ratio | 85.4545% | 2,296 |
| Assets per employee ($millions) | 2.0498% | 7,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0166% | 1,537 |
| Loan loss allowance to noncurrent loans | 478.4314% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,784 |
| Noncurrent loans to loans | 0.4215% | 6,459 |
| Net loans and leases to total assets | 64.2644% | 4,928 |
| Net loans and leases to deposits | 75.4863% | 5,246 |
| Net loans and leases to core deposits | 93.3210% | 5,196 |
| Total domestic deposits to total assets | 85.1339% | 3,200 |
| Equity capital to assets | 13.3185% | 1,551 |
| Core capital (leverage) ratio | 13.1179% | 1,393 |
| Tier 1 risk-based capital ratio | 17.8027% | 2,070 |
| Total risk-based capital ratio | 19.0574% | 2,013 |
| Memoranda: | ||
| Average total assets | $37,089,330 | 7,329 |
| Average earning assets | $33,948,000 | 7,318 |
| Average equity | $5,121,000 | 7,019 |
| Average total loans | $23,245,000 | 7,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4381% | 980 |
| Cost of funding earning assets | 1.7098% | 5,561 |
| Net interest margin | 4.7284% | 726 |
| Noninterest income to average assets | 0.6562% | 3,168 |
| Noninterest expense to average assets | 4.2704% | 878 |
| Loan and lease loss provision to assets | 0.0645% | 6,144 |
| Net operating income to assets | 0.6062% | 3,991 |
| Return on assets (ROA) | 0.6992% | 3,753 |
| Pretax return on assets | 0.7315% | 4,317 |
| Return on Equity (ROE) | 4.9766% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.9766% | 3,141 |
| Net charge-offs to loans | 0.1054% | 4,122 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 1,915 |
| Efficiency ratio | 85.9307% | 2,072 |
| Assets per employee ($millions) | 2.0603% | 7,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 1,342 |
| Loan loss allowance to noncurrent loans | 547.1910% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,796 |
| Noncurrent loans to loans | 0.3723% | 6,491 |
| Net loans and leases to total assets | 63.1414% | 5,133 |
| Net loans and leases to deposits | 74.7876% | 5,383 |
| Net loans and leases to core deposits | 90.0789% | 5,548 |
| Total domestic deposits to total assets | 84.4277% | 3,498 |
| Equity capital to assets | 14.2079% | 1,303 |
| Core capital (leverage) ratio | 14.1351% | 1,159 |
| Tier 1 risk-based capital ratio | 19.0863% | 1,795 |
| Total risk-based capital ratio | 20.3420% | 1,755 |
| Memoranda: | ||
| Average total assets | $37,186,000 | 7,370 |
| Average earning assets | $33,923,000 | 7,358 |
| Average equity | $5,224,500 | 7,046 |
| Average total loans | $22,768,000 | 7,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9223% | 1,338 |
| Cost of funding earning assets | 2.0770% | 6,143 |
| Net interest margin | 4.8453% | 714 |
| Noninterest income to average assets | 0.5616% | 4,145 |
| Noninterest expense to average assets | 4.1065% | 1,268 |
| Loan and lease loss provision to assets | 2.5504% | 404 |
| Net operating income to assets | -1.7441% | 7,542 |
| Return on assets (ROA) | -1.7441% | 7,494 |
| Pretax return on assets | -1.7080% | 7,342 |
| Return on Equity (ROE) | -11.2807% | 7,369 |
| Retained earnings to average equity (ytd only) | -13.9467% | 7,398 |
| Net charge-offs to loans | 4.3485% | 138 |
| Credit loss provision to net charge-offs | 99.0991% | 5,411 |
| Earnings coverage of net charge-offs (x) | 0.3273% | 6,031 |
| Efficiency ratio | 82.9776% | 2,184 |
| Assets per employee ($millions) | 2.0715% | 7,850 |
| Cash dividends to net income (ytd only)* | -23.6337% | 7,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2512% | 902 |
| Loan loss allowance to noncurrent loans | 726.8657% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,237 |
| Noncurrent loans to loans | 0.3097% | 6,453 |
| Net loans and leases to total assets | 56.7115% | 6,358 |
| Net loans and leases to deposits | 67.0386% | 6,556 |
| Net loans and leases to core deposits | 79.9803% | 6,618 |
| Total domestic deposits to total assets | 84.5952% | 3,029 |
| Equity capital to assets | 13.8922% | 1,464 |
| Core capital (leverage) ratio | 13.2547% | 1,459 |
| Tier 1 risk-based capital ratio | 15.1893% | 2,961 |
| Total risk-based capital ratio | 16.4548% | 2,880 |
| Memoranda: | ||
| Average total assets | $38,816,800 | 7,268 |
| Average earning assets | $35,147,400 | 7,278 |
| Average equity | $6,001,400 | 6,806 |
| Average total loans | $22,973,200 | 7,140 |