Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9465% | 682 |
| Cost of funding earning assets | 0.9686% | 3,376 |
| Net interest margin | 4.9779% | 323 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.7710% | 1,577 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7597% | 650 |
| Return on assets (ROA) | 1.7597% | 624 |
| Pretax return on assets | 2.3851% | 382 |
| Return on Equity (ROE) | 17.8700% | 837 |
| Retained earnings to average equity (ytd only) | 16.4096% | 250 |
| Net charge-offs to loans | 0.0154% | 2,085 |
| Credit loss provision to net charge-offs | 392.8571% | 791 |
| Earnings coverage of net charge-offs (x) | 265.7143% | 476 |
| Efficiency ratio | 53.3718% | 3,723 |
| Assets per employee ($millions) | 5.6977% | 3,074 |
| Cash dividends to net income (ytd only)* | 8.1731% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 705 |
| Loan loss allowance to noncurrent loans | 4,748.4848% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,585 |
| Noncurrent loans to loans | 0.0353% | 3,481 |
| Net loans and leases to total assets | 59.7600% | 2,867 |
| Net loans and leases to deposits | 67.1742% | 3,093 |
| Net loans and leases to core deposits | 75.5241% | 3,007 |
| Total domestic deposits to total assets | 88.9700% | 1,073 |
| Equity capital to assets | 10.6683% | 1,644 |
| Core capital (leverage) ratio | 10.7444% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4314% | 515 |
| Memoranda: | ||
| Average total assets | $153,660,200 | 3,323 |
| Average earning assets | $147,329,800 | 3,270 |
| Average equity | $15,131,400 | 3,255 |
| Average total loans | $90,846,000 | 3,279 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 724 |
| Cost of funding earning assets | 0.8350% | 3,440 |
| Net interest margin | 4.9232% | 343 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.7219% | 1,600 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7411% | 742 |
| Return on assets (ROA) | 1.7411% | 728 |
| Pretax return on assets | 2.3599% | 447 |
| Return on Equity (ROE) | 18.0600% | 945 |
| Retained earnings to average equity (ytd only) | 18.0579% | 339 |
| Net charge-offs to loans | -0.0015% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.0626% | 3,668 |
| Assets per employee ($millions) | 5.8449% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7409% | 650 |
| Loan loss allowance to noncurrent loans | 2,471.8750% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,379 |
| Noncurrent loans to loans | 0.0704% | 3,253 |
| Net loans and leases to total assets | 58.7600% | 2,967 |
| Net loans and leases to deposits | 65.9208% | 3,132 |
| Net loans and leases to core deposits | 73.3543% | 3,031 |
| Total domestic deposits to total assets | 89.1300% | 1,205 |
| Equity capital to assets | 10.3845% | 1,603 |
| Core capital (leverage) ratio | 10.6671% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1155% | 483 |
| Memoranda: | ||
| Average total assets | $153,615,500 | 3,337 |
| Average earning assets | $147,216,750 | 3,285 |
| Average equity | $14,811,250 | 3,279 |
| Average total loans | $90,180,750 | 3,288 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5371% | 792 |
| Cost of funding earning assets | 0.6913% | 3,512 |
| Net interest margin | 4.8458% | 376 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6777% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7695% | 690 |
| Return on assets (ROA) | 1.7695% | 692 |
| Pretax return on assets | 2.3754% | 419 |
| Return on Equity (ROE) | 18.8300% | 850 |
| Retained earnings to average equity (ytd only) | 18.8294% | 295 |
| Net charge-offs to loans | -0.0022% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.9910% | 3,698 |
| Assets per employee ($millions) | 5.8893% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 814 |
| Loan loss allowance to noncurrent loans | 2,393.7500% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,357 |
| Noncurrent loans to loans | 0.0695% | 3,199 |
| Net loans and leases to total assets | 59.1700% | 2,852 |
| Net loans and leases to deposits | 65.9592% | 3,058 |
| Net loans and leases to core deposits | 73.5592% | 2,922 |
| Total domestic deposits to total assets | 89.7000% | 1,012 |
| Equity capital to assets | 9.9006% | 1,916 |
| Core capital (leverage) ratio | 10.5065% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2191% | 540 |
| Memoranda: | ||
| Average total assets | $154,165,000 | 3,348 |
| Average earning assets | $147,839,000 | 3,298 |
| Average equity | $14,488,000 | 3,313 |
| Average total loans | $89,950,667 | 3,295 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 770 |
| Cost of funding earning assets | 0.5586% | 3,506 |
| Net interest margin | 4.8058% | 368 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.6583% | 1,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7351% | 770 |
| Return on assets (ROA) | 1.7351% | 762 |
| Pretax return on assets | 2.3531% | 439 |
| Return on Equity (ROE) | 18.9700% | 890 |
| Retained earnings to average equity (ytd only) | 18.9655% | 440 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.0444% | 3,702 |
| Assets per employee ($millions) | 5.8347% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 820 |
| Loan loss allowance to noncurrent loans | 2,392.1875% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,362 |
| Noncurrent loans to loans | 0.0708% | 3,225 |
| Net loans and leases to total assets | 58.5600% | 2,815 |
| Net loans and leases to deposits | 65.0848% | 3,004 |
| Net loans and leases to core deposits | 72.1935% | 2,805 |
| Total domestic deposits to total assets | 89.9800% | 1,162 |
| Equity capital to assets | 9.5793% | 2,076 |
| Core capital (leverage) ratio | 9.5840% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6864% | 594 |
| Memoranda: | ||
| Average total assets | $154,686,500 | 3,385 |
| Average earning assets | $148,238,000 | 3,329 |
| Average equity | $14,152,000 | 3,376 |
| Average total loans | $88,861,500 | 3,345 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 2,042 |
| Cost of funding earning assets | 0.1799% | 3,908 |
| Net interest margin | 3.6975% | 1,384 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3754% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1962% | 1,783 |
| Return on assets (ROA) | 1.1962% | 1,722 |
| Pretax return on assets | 1.5574% | 1,275 |
| Return on Equity (ROE) | 14.7000% | 1,341 |
| Retained earnings to average equity (ytd only) | 13.6757% | 432 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4000% | 2,999 |
| Assets per employee ($millions) | 6.3068% | 2,507 |
| Cash dividends to net income (ytd only)* | 6.9963% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 565 |
| Loan loss allowance to noncurrent loans | 3,635.5556% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 3,528 |
| Noncurrent loans to loans | 0.0515% | 3,391 |
| Net loans and leases to total assets | 54.3600% | 3,167 |
| Net loans and leases to deposits | 59.6450% | 3,350 |
| Net loans and leases to core deposits | 64.8557% | 3,215 |
| Total domestic deposits to total assets | 91.1400% | 902 |
| Equity capital to assets | 8.7346% | 2,539 |
| Core capital (leverage) ratio | 9.0207% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4727% | 585 |
| Memoranda: | ||
| Average total assets | $158,920,400 | 3,355 |
| Average earning assets | $152,859,000 | 3,299 |
| Average equity | $12,928,000 | 3,580 |
| Average total loans | $87,045,400 | 3,314 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 2,564 |
| Cost of funding earning assets | 0.1661% | 3,668 |
| Net interest margin | 3.3505% | 2,137 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.3512% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0157% | 2,422 |
| Return on assets (ROA) | 1.0157% | 2,395 |
| Pretax return on assets | 1.2669% | 2,153 |
| Return on Equity (ROE) | 12.7200% | 1,798 |
| Retained earnings to average equity (ytd only) | 12.7176% | 658 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9850% | 2,409 |
| Assets per employee ($millions) | 6.6956% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 615 |
| Loan loss allowance to noncurrent loans | 4,090.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,690 |
| Noncurrent loans to loans | 0.0462% | 3,550 |
| Net loans and leases to total assets | 52.8200% | 3,202 |
| Net loans and leases to deposits | 57.6750% | 3,363 |
| Net loans and leases to core deposits | 62.3222% | 3,226 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 8.2044% | 2,757 |
| Core capital (leverage) ratio | 8.4816% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0444% | 639 |
| Memoranda: | ||
| Average total assets | $159,232,750 | 3,374 |
| Average earning assets | $153,287,750 | 3,320 |
| Average equity | $12,717,000 | 3,639 |
| Average total loans | $86,969,250 | 3,334 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1943% | 3,063 |
| Cost of funding earning assets | 0.1698% | 3,317 |
| Net interest margin | 3.0245% | 2,812 |
| Noninterest income to average assets | 0.3906% | 2,814 |
| Noninterest expense to average assets | 2.3434% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7232% | 3,231 |
| Return on assets (ROA) | 0.7232% | 3,182 |
| Pretax return on assets | 0.9638% | 2,854 |
| Return on Equity (ROE) | 9.1392% | 2,652 |
| Retained earnings to average equity (ytd only) | 9.1392% | 1,244 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8571% | 1,844 |
| Assets per employee ($millions) | 6.1478% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 701 |
| Loan loss allowance to noncurrent loans | 4,090.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,743 |
| Noncurrent loans to loans | 0.0458% | 3,604 |
| Net loans and leases to total assets | 53.5723% | 3,006 |
| Net loans and leases to deposits | 58.3163% | 3,196 |
| Net loans and leases to core deposits | 63.9295% | 2,974 |
| Total domestic deposits to total assets | 91.8651% | 894 |
| Equity capital to assets | 7.9478% | 3,162 |
| Core capital (leverage) ratio | 8.0846% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3931% | 668 |
| Memoranda: | ||
| Average total assets | $158,745,667 | 3,421 |
| Average earning assets | $153,085,667 | 3,364 |
| Average equity | $12,561,333 | 3,726 |
| Average total loans | $87,118,333 | 3,366 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 3,168 |
| Cost of funding earning assets | 0.1757% | 3,148 |
| Net interest margin | 2.8533% | 2,980 |
| Noninterest income to average assets | 0.4046% | 2,654 |
| Noninterest expense to average assets | 2.3060% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6296% | 3,302 |
| Return on assets (ROA) | 0.6296% | 3,282 |
| Pretax return on assets | 0.8496% | 2,943 |
| Return on Equity (ROE) | 7.9744% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.9744% | 1,593 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 1,847 |
| Assets per employee ($millions) | 6.2306% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 798 |
| Loan loss allowance to noncurrent loans | 3,804.6512% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,644 |
| Noncurrent loans to loans | 0.0489% | 3,627 |
| Net loans and leases to total assets | 53.3124% | 2,842 |
| Net loans and leases to deposits | 57.9239% | 3,085 |
| Net loans and leases to core deposits | 63.8423% | 2,808 |
| Total domestic deposits to total assets | 92.0387% | 563 |
| Equity capital to assets | 7.7409% | 3,774 |
| Core capital (leverage) ratio | 8.0392% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7430% | 796 |
| Memoranda: | ||
| Average total assets | $158,197,500 | 3,437 |
| Average earning assets | $152,527,000 | 3,383 |
| Average equity | $12,490,000 | 3,813 |
| Average total loans | $87,044,000 | 3,375 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 2,323 |
| Cost of funding earning assets | 0.2664% | 2,737 |
| Net interest margin | 3.3572% | 2,144 |
| Noninterest income to average assets | 0.5641% | 2,304 |
| Noninterest expense to average assets | 2.3993% | 2,496 |
| Loan and lease loss provision to assets | 0.0357% | 2,335 |
| Net operating income to assets | 0.9876% | 2,724 |
| Return on assets (ROA) | 0.9876% | 2,789 |
| Pretax return on assets | 1.3376% | 2,244 |
| Return on Equity (ROE) | 12.1422% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.2056% | 669 |
| Net charge-offs to loans | -0.0023% | 3,390 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5983% | 2,625 |
| Assets per employee ($millions) | 6.1760% | 2,590 |
| Cash dividends to net income (ytd only)* | 7.7137% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 729 |
| Loan loss allowance to noncurrent loans | 4,090.0000% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,737 |
| Noncurrent loans to loans | 0.0465% | 3,749 |
| Net loans and leases to total assets | 54.6972% | 2,768 |
| Net loans and leases to deposits | 59.5983% | 3,111 |
| Net loans and leases to core deposits | 66.1730% | 2,805 |
| Total domestic deposits to total assets | 91.7765% | 241 |
| Equity capital to assets | 8.0570% | 4,325 |
| Core capital (leverage) ratio | 8.2222% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9416% | 764 |
| Memoranda: | ||
| Average total assets | $145,707,400 | 3,527 |
| Average earning assets | $139,251,000 | 3,481 |
| Average equity | $11,851,200 | 3,947 |
| Average total loans | $86,196,200 | 3,390 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 2,028 |
| Cost of funding earning assets | 0.2893% | 2,695 |
| Net interest margin | 3.5029% | 1,856 |
| Noninterest income to average assets | 0.5434% | 2,443 |
| Noninterest expense to average assets | 2.4551% | 2,258 |
| Loan and lease loss provision to assets | 0.0481% | 2,038 |
| Net operating income to assets | 1.0023% | 2,898 |
| Return on assets (ROA) | 1.0023% | 2,961 |
| Pretax return on assets | 1.3804% | 2,404 |
| Return on Equity (ROE) | 12.2918% | 1,943 |
| Retained earnings to average equity (ytd only) | 12.2918% | 778 |
| Net charge-offs to loans | -0.0031% | 3,309 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2145% | 2,508 |
| Assets per employee ($millions) | 5.7725% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 710 |
| Loan loss allowance to noncurrent loans | 489.8204% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,164 |
| Noncurrent loans to loans | 0.3964% | 2,371 |
| Net loans and leases to total assets | 55.0452% | 2,845 |
| Net loans and leases to deposits | 60.0689% | 3,222 |
| Net loans and leases to core deposits | 66.6425% | 2,897 |
| Total domestic deposits to total assets | 91.6367% | 205 |
| Equity capital to assets | 8.1321% | 4,451 |
| Core capital (leverage) ratio | 8.1871% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7675% | 996 |
| Memoranda: | ||
| Average total assets | $143,534,500 | 3,586 |
| Average earning assets | $136,874,500 | 3,543 |
| Average equity | $11,704,000 | 4,018 |
| Average total loans | $86,223,250 | 3,433 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 1,491 |
| Cost of funding earning assets | 0.3151% | 2,639 |
| Net interest margin | 3.7163% | 1,310 |
| Noninterest income to average assets | 0.5575% | 2,381 |
| Noninterest expense to average assets | 2.4761% | 2,220 |
| Loan and lease loss provision to assets | 0.0594% | 1,842 |
| Net operating income to assets | 1.1730% | 2,286 |
| Return on assets (ROA) | 1.1730% | 2,353 |
| Pretax return on assets | 1.5592% | 1,848 |
| Return on Equity (ROE) | 14.3712% | 1,313 |
| Retained earnings to average equity (ytd only) | 14.3712% | 501 |
| Net charge-offs to loans | -0.0023% | 3,223 |
| Credit loss provision to net charge-offs | -4,200.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4699% | 2,945 |
| Assets per employee ($millions) | 5.3571% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8858% | 756 |
| Loan loss allowance to noncurrent loans | 125.0769% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 467 |
| Noncurrent loans to loans | 1.5077% | 750 |
| Net loans and leases to total assets | 58.4868% | 2,604 |
| Net loans and leases to deposits | 63.9052% | 3,008 |
| Net loans and leases to core deposits | 70.5881% | 2,726 |
| Total domestic deposits to total assets | 91.5212% | 225 |
| Equity capital to assets | 8.2596% | 4,389 |
| Core capital (leverage) ratio | 8.2441% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0402% | 1,105 |
| Memoranda: | ||
| Average total assets | $141,351,333 | 3,619 |
| Average earning assets | $134,540,667 | 3,576 |
| Average equity | $11,537,000 | 4,044 |
| Average total loans | $86,881,000 | 3,444 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 1,924 |
| Cost of funding earning assets | 0.3406% | 2,607 |
| Net interest margin | 3.5240% | 1,764 |
| Noninterest income to average assets | 0.6413% | 2,058 |
| Noninterest expense to average assets | 2.4824% | 2,228 |
| Loan and lease loss provision to assets | 0.0630% | 1,876 |
| Net operating income to assets | 1.2083% | 2,111 |
| Return on assets (ROA) | 1.2083% | 2,197 |
| Pretax return on assets | 1.4430% | 2,158 |
| Return on Equity (ROE) | 14.8959% | 1,241 |
| Retained earnings to average equity (ytd only) | 14.8959% | 636 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2398% | 2,717 |
| Assets per employee ($millions) | 5.5404% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8837% | 759 |
| Loan loss allowance to noncurrent loans | 798.5075% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 1,577 |
| Noncurrent loans to loans | 0.2359% | 3,259 |
| Net loans and leases to total assets | 58.0361% | 2,798 |
| Net loans and leases to deposits | 63.2804% | 3,192 |
| Net loans and leases to core deposits | 69.8906% | 2,873 |
| Total domestic deposits to total assets | 91.7126% | 196 |
| Equity capital to assets | 8.0132% | 4,476 |
| Core capital (leverage) ratio | 8.3275% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6500% | 1,137 |
| Memoranda: | ||
| Average total assets | $139,705,500 | 3,644 |
| Average earning assets | $132,692,000 | 3,601 |
| Average equity | $11,332,000 | 4,073 |
| Average total loans | $87,210,000 | 3,450 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,108 |
| Cost of funding earning assets | 0.5723% | 2,496 |
| Net interest margin | 4.0216% | 933 |
| Noninterest income to average assets | 0.7083% | 1,840 |
| Noninterest expense to average assets | 2.8363% | 1,845 |
| Loan and lease loss provision to assets | 0.3361% | 1,045 |
| Net operating income to assets | 1.0644% | 2,049 |
| Return on assets (ROA) | 1.0644% | 2,190 |
| Pretax return on assets | 1.3429% | 1,845 |
| Return on Equity (ROE) | 12.6443% | 1,138 |
| Retained earnings to average equity (ytd only) | 11.5890% | 370 |
| Net charge-offs to loans | 0.1211% | 1,284 |
| Credit loss provision to net charge-offs | 396.2264% | 1,441 |
| Earnings coverage of net charge-offs (x) | 19.7925% | 1,961 |
| Efficiency ratio | 62.8146% | 3,005 |
| Assets per employee ($millions) | 5.0134% | 3,379 |
| Cash dividends to net income (ytd only)* | 8.3459% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 901 |
| Loan loss allowance to noncurrent loans | 1,412.5000% | 506 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 679 |
| Noncurrent loans to loans | 0.1255% | 3,782 |
| Net loans and leases to total assets | 64.7395% | 2,271 |
| Net loans and leases to deposits | 70.6767% | 2,808 |
| Net loans and leases to core deposits | 77.6473% | 2,582 |
| Total domestic deposits to total assets | 91.5995% | 119 |
| Equity capital to assets | 8.2158% | 4,614 |
| Core capital (leverage) ratio | 8.2309% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9090% | 1,886 |
| Memoranda: | ||
| Average total assets | $124,949,600 | 3,686 |
| Average earning assets | $118,287,600 | 3,641 |
| Average equity | $10,518,600 | 4,146 |
| Average total loans | $87,551,200 | 3,444 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 692 |
| Cost of funding earning assets | 0.6226% | 2,477 |
| Net interest margin | 4.3075% | 576 |
| Noninterest income to average assets | 0.5623% | 2,339 |
| Noninterest expense to average assets | 2.9140% | 1,669 |
| Loan and lease loss provision to assets | 0.4250% | 791 |
| Net operating income to assets | 1.0037% | 2,326 |
| Return on assets (ROA) | 1.0037% | 2,455 |
| Pretax return on assets | 1.3023% | 2,037 |
| Return on Equity (ROE) | 11.8438% | 1,417 |
| Retained earnings to average equity (ytd only) | 11.8438% | 449 |
| Net charge-offs to loans | 0.1637% | 900 |
| Credit loss provision to net charge-offs | 364.4860% | 1,559 |
| Earnings coverage of net charge-offs (x) | 14.8131% | 2,130 |
| Efficiency ratio | 62.7847% | 2,946 |
| Assets per employee ($millions) | 4.8751% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 944 |
| Loan loss allowance to noncurrent loans | 111.5827% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 962 |
| Noncurrent loans to loans | 1.4962% | 957 |
| Net loans and leases to total assets | 69.3991% | 2,045 |
| Net loans and leases to deposits | 75.9051% | 2,760 |
| Net loans and leases to core deposits | 83.0142% | 2,584 |
| Total domestic deposits to total assets | 91.4288% | 109 |
| Equity capital to assets | 8.2149% | 4,628 |
| Core capital (leverage) ratio | 7.9956% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2356% | 2,087 |
| Memoranda: | ||
| Average total assets | $122,346,750 | 3,709 |
| Average earning assets | $115,856,250 | 3,666 |
| Average equity | $10,368,000 | 4,175 |
| Average total loans | $87,135,500 | 3,467 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 385 |
| Cost of funding earning assets | 0.6712% | 2,551 |
| Net interest margin | 4.7499% | 307 |
| Noninterest income to average assets | 0.5501% | 2,352 |
| Noninterest expense to average assets | 2.9534% | 1,711 |
| Loan and lease loss provision to assets | 0.6038% | 523 |
| Net operating income to assets | 1.1421% | 1,836 |
| Return on assets (ROA) | 1.1421% | 1,963 |
| Pretax return on assets | 1.4792% | 1,502 |
| Return on Equity (ROE) | 13.3272% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.3272% | 323 |
| Net charge-offs to loans | 0.1619% | 920 |
| Credit loss provision to net charge-offs | 521.7391% | 1,196 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,789 |
| Efficiency ratio | 58.6414% | 3,600 |
| Assets per employee ($millions) | 4.6668% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 886 |
| Loan loss allowance to noncurrent loans | 90.0173% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 607 |
| Noncurrent loans to loans | 1.8479% | 754 |
| Net loans and leases to total assets | 70.5747% | 1,941 |
| Net loans and leases to deposits | 77.2161% | 2,735 |
| Net loans and leases to core deposits | 84.9281% | 2,529 |
| Total domestic deposits to total assets | 91.3989% | 97 |
| Equity capital to assets | 8.0952% | 4,672 |
| Core capital (leverage) ratio | 8.3535% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1644% | 2,112 |
| Memoranda: | ||
| Average total assets | $119,253,333 | 3,733 |
| Average earning assets | $112,633,333 | 3,702 |
| Average equity | $10,219,667 | 4,195 |
| Average total loans | $85,214,333 | 3,494 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 779 |
| Cost of funding earning assets | 0.7335% | 2,764 |
| Net interest margin | 4.3746% | 655 |
| Noninterest income to average assets | 0.6376% | 1,870 |
| Noninterest expense to average assets | 3.0649% | 1,738 |
| Loan and lease loss provision to assets | 0.1057% | 2,364 |
| Net operating income to assets | 1.2154% | 1,465 |
| Return on assets (ROA) | 1.2154% | 1,578 |
| Pretax return on assets | 1.5853% | 1,097 |
| Return on Equity (ROE) | 13.7443% | 751 |
| Retained earnings to average equity (ytd only) | 13.7443% | 274 |
| Net charge-offs to loans | 0.3114% | 467 |
| Credit loss provision to net charge-offs | 47.6190% | 2,068 |
| Earnings coverage of net charge-offs (x) | 7.6190% | 1,909 |
| Efficiency ratio | 64.4444% | 3,165 |
| Assets per employee ($millions) | 4.2858% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,331 |
| Loan loss allowance to noncurrent loans | 3,087.5000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,032 |
| Noncurrent loans to loans | 0.0487% | 4,354 |
| Net loans and leases to total assets | 69.9431% | 2,261 |
| Net loans and leases to deposits | 77.0716% | 2,971 |
| Net loans and leases to core deposits | 84.5859% | 2,801 |
| Total domestic deposits to total assets | 90.7507% | 140 |
| Equity capital to assets | 8.8241% | 4,680 |
| Core capital (leverage) ratio | 8.9497% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1753% | 1,560 |
| Memoranda: | ||
| Average total assets | $113,545,000 | 3,796 |
| Average earning assets | $106,890,500 | 3,774 |
| Average equity | $10,040,500 | 4,239 |
| Average total loans | $80,931,500 | 3,563 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 521 |
| Cost of funding earning assets | 0.6611% | 3,353 |
| Net interest margin | 4.8839% | 339 |
| Noninterest income to average assets | 0.6776% | 1,889 |
| Noninterest expense to average assets | 3.4973% | 968 |
| Loan and lease loss provision to assets | 0.1201% | 1,768 |
| Net operating income to assets | 1.2362% | 1,920 |
| Return on assets (ROA) | 1.2362% | 2,007 |
| Pretax return on assets | 1.6376% | 1,378 |
| Return on Equity (ROE) | 13.1992% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.0129% | 241 |
| Net charge-offs to loans | 0.0914% | 1,818 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 24.3889% | 1,776 |
| Efficiency ratio | 66.5524% | 2,685 |
| Assets per employee ($millions) | 4.1249% | 3,729 |
| Cash dividends to net income (ytd only)* | 8.9879% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 998 |
| Loan loss allowance to noncurrent loans | 266.1765% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 1,933 |
| Noncurrent loans to loans | 0.5973% | 2,393 |
| Net loans and leases to total assets | 70.4165% | 2,328 |
| Net loans and leases to deposits | 77.5288% | 3,058 |
| Net loans and leases to core deposits | 85.1529% | 2,859 |
| Total domestic deposits to total assets | 90.8263% | 141 |
| Equity capital to assets | 8.8621% | 4,761 |
| Core capital (leverage) ratio | 9.2753% | 4,301 |
| Tier 1 risk-based capital ratio | 15.1338% | 2,728 |
| Total risk-based capital ratio | 16.3925% | 2,653 |
| Memoranda: | ||
| Average total assets | $99,904,800 | 4,003 |
| Average earning assets | $93,635,000 | 3,978 |
| Average equity | $9,356,600 | 4,326 |
| Average total loans | $78,812,200 | 3,621 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 390 |
| Cost of funding earning assets | 0.6232% | 3,566 |
| Net interest margin | 5.1206% | 221 |
| Noninterest income to average assets | 0.6870% | 1,843 |
| Noninterest expense to average assets | 3.5449% | 906 |
| Loan and lease loss provision to assets | 0.1237% | 1,578 |
| Net operating income to assets | 1.4001% | 1,468 |
| Return on assets (ROA) | 1.4001% | 1,527 |
| Pretax return on assets | 1.8054% | 1,081 |
| Return on Equity (ROE) | 14.7225% | 841 |
| Retained earnings to average equity (ytd only) | 14.7225% | 166 |
| Net charge-offs to loans | 0.0102% | 3,007 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 233.9938% | 393 |
| Efficiency ratio | 64.7590% | 2,899 |
| Assets per employee ($millions) | 3.8181% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 926 |
| Loan loss allowance to noncurrent loans | 269.4215% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,926 |
| Noncurrent loans to loans | 0.6081% | 2,462 |
| Net loans and leases to total assets | 75.9412% | 1,495 |
| Net loans and leases to deposits | 84.1959% | 2,432 |
| Net loans and leases to core deposits | 91.3170% | 2,434 |
| Total domestic deposits to total assets | 90.1959% | 241 |
| Equity capital to assets | 9.4675% | 4,484 |
| Core capital (leverage) ratio | 9.6568% | 4,016 |
| Tier 1 risk-based capital ratio | 14.3293% | 3,163 |
| Total risk-based capital ratio | 15.5868% | 3,065 |
| Memoranda: | ||
| Average total assets | $97,037,750 | 4,089 |
| Average earning assets | $90,715,500 | 4,079 |
| Average equity | $9,228,250 | 4,388 |
| Average total loans | $78,592,250 | 3,664 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 426 |
| Cost of funding earning assets | 0.5583% | 3,847 |
| Net interest margin | 5.1150% | 231 |
| Noninterest income to average assets | 0.7093% | 1,678 |
| Noninterest expense to average assets | 3.5592% | 890 |
| Loan and lease loss provision to assets | 0.1263% | 1,474 |
| Net operating income to assets | 1.4060% | 1,422 |
| Return on assets (ROA) | 1.4060% | 1,475 |
| Pretax return on assets | 1.7870% | 1,071 |
| Return on Equity (ROE) | 14.7608% | 808 |
| Retained earnings to average equity (ytd only) | 14.7608% | 183 |
| Net charge-offs to loans | 0.0843% | 1,518 |
| Credit loss provision to net charge-offs | 181.8182% | 1,304 |
| Earnings coverage of net charge-offs (x) | 27.5455% | 1,538 |
| Efficiency ratio | 65.0385% | 2,970 |
| Assets per employee ($millions) | 3.4438% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,086 |
| Loan loss allowance to noncurrent loans | 257.1134% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 1,946 |
| Noncurrent loans to loans | 0.6127% | 2,425 |
| Net loans and leases to total assets | 80.8037% | 758 |
| Net loans and leases to deposits | 89.9078% | 1,751 |
| Net loans and leases to core deposits | 97.7076% | 1,904 |
| Total domestic deposits to total assets | 89.8740% | 369 |
| Equity capital to assets | 9.7578% | 4,184 |
| Core capital (leverage) ratio | 9.6002% | 4,041 |
| Tier 1 risk-based capital ratio | 13.8072% | 3,421 |
| Total risk-based capital ratio | 15.0640% | 3,313 |
| Memoranda: | ||
| Average total assets | $95,020,670 | 4,144 |
| Average earning assets | $88,484,670 | 4,139 |
| Average equity | $9,051,000 | 4,428 |
| Average total loans | $78,259,330 | 3,687 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 476 |
| Cost of funding earning assets | 0.5179% | 3,985 |
| Net interest margin | 5.0372% | 270 |
| Noninterest income to average assets | 0.6658% | 1,746 |
| Noninterest expense to average assets | 3.5539% | 901 |
| Loan and lease loss provision to assets | 0.1272% | 1,375 |
| Net operating income to assets | 1.3020% | 1,688 |
| Return on assets (ROA) | 1.3020% | 1,728 |
| Pretax return on assets | 1.6455% | 1,358 |
| Return on Equity (ROE) | 13.8413% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.8413% | 368 |
| Net charge-offs to loans | 0.1696% | 805 |
| Credit loss provision to net charge-offs | 90.9091% | 1,711 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 1,862 |
| Efficiency ratio | 66.7197% | 2,831 |
| Assets per employee ($millions) | 3.3788% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,332 |
| Loan loss allowance to noncurrent loans | 258.3864% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,064 |
| Noncurrent loans to loans | 0.5818% | 2,592 |
| Net loans and leases to total assets | 81.3820% | 658 |
| Net loans and leases to deposits | 90.0024% | 1,630 |
| Net loans and leases to core deposits | 97.2547% | 1,836 |
| Total domestic deposits to total assets | 90.4221% | 312 |
| Equity capital to assets | 9.2166% | 4,516 |
| Core capital (leverage) ratio | 9.5816% | 4,044 |
| Tier 1 risk-based capital ratio | 13.0913% | 3,834 |
| Total risk-based capital ratio | 14.3479% | 3,742 |
| Memoranda: | ||
| Average total assets | $94,318,500 | 4,191 |
| Average earning assets | $87,270,500 | 4,195 |
| Average equity | $8,872,000 | 4,487 |
| Average total loans | $77,808,000 | 3,739 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3507% | 534 |
| Cost of funding earning assets | 0.3539% | 4,260 |
| Net interest margin | 4.9968% | 264 |
| Noninterest income to average assets | 0.6319% | 2,145 |
| Noninterest expense to average assets | 3.5430% | 940 |
| Loan and lease loss provision to assets | 0.1246% | 1,769 |
| Net operating income to assets | 1.1738% | 2,294 |
| Return on assets (ROA) | 1.1738% | 2,280 |
| Pretax return on assets | 1.5087% | 1,753 |
| Return on Equity (ROE) | 13.1247% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.0461% | 318 |
| Net charge-offs to loans | -0.0212% | 4,717 |
| Credit loss provision to net charge-offs | -766.6667% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4464% | 2,475 |
| Assets per employee ($millions) | 3.2375% | 4,794 |
| Cash dividends to net income (ytd only)* | 8.2179% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 955 |
| Loan loss allowance to noncurrent loans | 149.5098% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 1,398 |
| Noncurrent loans to loans | 1.0930% | 1,488 |
| Net loans and leases to total assets | 81.0096% | 801 |
| Net loans and leases to deposits | 89.8783% | 1,815 |
| Net loans and leases to core deposits | 97.1389% | 1,958 |
| Total domestic deposits to total assets | 90.1325% | 432 |
| Equity capital to assets | 9.6116% | 4,036 |
| Core capital (leverage) ratio | 9.4163% | 4,219 |
| Tier 1 risk-based capital ratio | 13.2840% | 3,669 |
| Total risk-based capital ratio | 14.5415% | 3,549 |
| Memoranda: | ||
| Average total assets | $92,266,000 | 4,232 |
| Average earning assets | $83,913,800 | 4,249 |
| Average equity | $8,251,600 | 4,570 |
| Average total loans | $70,859,400 | 3,856 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2645% | 552 |
| Cost of funding earning assets | 0.3241% | 4,357 |
| Net interest margin | 4.9404% | 287 |
| Noninterest income to average assets | 0.6345% | 2,144 |
| Noninterest expense to average assets | 3.4430% | 1,065 |
| Loan and lease loss provision to assets | 0.1295% | 1,556 |
| Net operating income to assets | 1.2345% | 2,109 |
| Return on assets (ROA) | 1.2345% | 2,107 |
| Pretax return on assets | 1.5582% | 1,710 |
| Return on Equity (ROE) | 14.0602% | 1,099 |
| Retained earnings to average equity (ytd only) | 14.0602% | 242 |
| Net charge-offs to loans | -0.0229% | 4,670 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1060% | 2,696 |
| Assets per employee ($millions) | 3.2789% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,080 |
| Loan loss allowance to noncurrent loans | 224.0602% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 2,191 |
| Noncurrent loans to loans | 0.7152% | 2,289 |
| Net loans and leases to total assets | 79.7233% | 1,062 |
| Net loans and leases to deposits | 88.4349% | 2,096 |
| Net loans and leases to core deposits | 95.3867% | 2,173 |
| Total domestic deposits to total assets | 90.1492% | 460 |
| Equity capital to assets | 9.3301% | 4,245 |
| Core capital (leverage) ratio | 9.2632% | 4,440 |
| Tier 1 risk-based capital ratio | 13.0387% | 3,884 |
| Total risk-based capital ratio | 14.2957% | 3,790 |
| Memoranda: | ||
| Average total assets | $92,669,750 | 4,273 |
| Average earning assets | $84,335,750 | 4,291 |
| Average equity | $8,136,250 | 4,631 |
| Average total loans | $69,910,250 | 3,908 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 584 |
| Cost of funding earning assets | 0.3161% | 4,303 |
| Net interest margin | 4.8551% | 332 |
| Noninterest income to average assets | 0.5443% | 2,604 |
| Noninterest expense to average assets | 3.2876% | 1,348 |
| Loan and lease loss provision to assets | 0.1291% | 1,534 |
| Net operating income to assets | 1.2371% | 2,033 |
| Return on assets (ROA) | 1.2371% | 2,029 |
| Pretax return on assets | 1.5556% | 1,642 |
| Return on Equity (ROE) | 14.3876% | 989 |
| Retained earnings to average equity (ytd only) | 14.3876% | 246 |
| Net charge-offs to loans | 0.0497% | 1,893 |
| Credit loss provision to net charge-offs | 352.9412% | 895 |
| Earnings coverage of net charge-offs (x) | 46.0588% | 1,190 |
| Efficiency ratio | 66.1186% | 2,955 |
| Assets per employee ($millions) | 3.3986% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,205 |
| Loan loss allowance to noncurrent loans | 827.7372% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,847 |
| Noncurrent loans to loans | 0.1888% | 4,058 |
| Net loans and leases to total assets | 75.0462% | 1,781 |
| Net loans and leases to deposits | 82.5366% | 2,709 |
| Net loans and leases to core deposits | 87.6095% | 2,756 |
| Total domestic deposits to total assets | 90.9248% | 264 |
| Equity capital to assets | 8.7032% | 4,801 |
| Core capital (leverage) ratio | 8.3965% | 5,170 |
| Tier 1 risk-based capital ratio | 12.9220% | 3,938 |
| Total risk-based capital ratio | 14.1787% | 3,854 |
| Memoranda: | ||
| Average total assets | $92,956,330 | 4,299 |
| Average earning assets | $84,777,670 | 4,321 |
| Average equity | $7,993,000 | 4,693 |
| Average total loans | $68,418,330 | 3,966 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 563 |
| Cost of funding earning assets | 0.3060% | 4,308 |
| Net interest margin | 4.8146% | 334 |
| Noninterest income to average assets | 0.5400% | 2,573 |
| Noninterest expense to average assets | 3.3967% | 1,169 |
| Loan and lease loss provision to assets | 0.1306% | 1,448 |
| Net operating income to assets | 1.1148% | 2,356 |
| Return on assets (ROA) | 1.1148% | 2,379 |
| Pretax return on assets | 1.3979% | 2,015 |
| Return on Equity (ROE) | 13.0471% | 1,248 |
| Retained earnings to average equity (ytd only) | 13.0471% | 513 |
| Net charge-offs to loans | 0.1025% | 1,170 |
| Credit loss provision to net charge-offs | 176.4706% | 1,127 |
| Earnings coverage of net charge-offs (x) | 20.6471% | 1,458 |
| Efficiency ratio | 68.9655% | 2,674 |
| Assets per employee ($millions) | 3.2292% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 1,107 |
| Loan loss allowance to noncurrent loans | 2,005.4545% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,346 |
| Noncurrent loans to loans | 0.0810% | 4,620 |
| Net loans and leases to total assets | 71.3538% | 2,278 |
| Net loans and leases to deposits | 78.1932% | 3,000 |
| Net loans and leases to core deposits | 82.8015% | 3,080 |
| Total domestic deposits to total assets | 91.2532% | 236 |
| Equity capital to assets | 8.5076% | 4,972 |
| Core capital (leverage) ratio | 8.7374% | 4,962 |
| Tier 1 risk-based capital ratio | 12.2788% | 4,393 |
| Total risk-based capital ratio | 13.5345% | 4,281 |
| Memoranda: | ||
| Average total assets | $91,854,500 | 4,373 |
| Average earning assets | $83,663,000 | 4,380 |
| Average equity | $7,848,500 | 4,768 |
| Average total loans | $66,353,500 | 4,049 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,305 |
| Cost of funding earning assets | 0.3090% | 4,048 |
| Net interest margin | 4.3409% | 882 |
| Noninterest income to average assets | 0.6707% | 2,092 |
| Noninterest expense to average assets | 3.3941% | 1,209 |
| Loan and lease loss provision to assets | 0.0305% | 3,669 |
| Net operating income to assets | 0.8096% | 3,115 |
| Return on assets (ROA) | 0.8096% | 3,160 |
| Pretax return on assets | 1.2115% | 2,726 |
| Return on Equity (ROE) | 9.7530% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.7530% | 391 |
| Net charge-offs to loans | -0.1314% | 5,434 |
| Credit loss provision to net charge-offs | -32.5301% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2099% | 2,031 |
| Assets per employee ($millions) | 3.4640% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 973 |
| Loan loss allowance to noncurrent loans | 1,379.7468% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,235 |
| Noncurrent loans to loans | 0.1219% | 4,434 |
| Net loans and leases to total assets | 70.7216% | 2,413 |
| Net loans and leases to deposits | 77.5555% | 3,168 |
| Net loans and leases to core deposits | 81.5283% | 3,283 |
| Total domestic deposits to total assets | 91.1884% | 200 |
| Equity capital to assets | 8.5829% | 5,058 |
| Core capital (leverage) ratio | 8.4048% | 5,219 |
| Tier 1 risk-based capital ratio | 12.3353% | 4,302 |
| Total risk-based capital ratio | 13.5918% | 4,212 |
| Memoranda: | ||
| Average total assets | $88,564,400 | 4,452 |
| Average earning assets | $80,904,200 | 4,448 |
| Average equity | $7,351,600 | 4,887 |
| Average total loans | $63,152,600 | 4,124 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,390 |
| Cost of funding earning assets | 0.3089% | 4,042 |
| Net interest margin | 4.2837% | 963 |
| Noninterest income to average assets | 0.9101% | 1,242 |
| Noninterest expense to average assets | 3.4531% | 1,065 |
| Loan and lease loss provision to assets | 0.1361% | 1,584 |
| Net operating income to assets | 0.8512% | 3,270 |
| Return on assets (ROA) | 0.8512% | 3,318 |
| Pretax return on assets | 1.2412% | 2,745 |
| Return on Equity (ROE) | 10.3438% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.3438% | 518 |
| Net charge-offs to loans | 0.0064% | 3,506 |
| Credit loss provision to net charge-offs | 3,000.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 303.6600% | 302 |
| Efficiency ratio | 71.4867% | 2,284 |
| Assets per employee ($millions) | 3.4922% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,113 |
| Loan loss allowance to noncurrent loans | 1,403.9474% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,792 |
| Noncurrent loans to loans | 0.1181% | 4,583 |
| Net loans and leases to total assets | 69.7049% | 2,606 |
| Net loans and leases to deposits | 76.3367% | 3,343 |
| Net loans and leases to core deposits | 80.2073% | 3,437 |
| Total domestic deposits to total assets | 91.3125% | 129 |
| Equity capital to assets | 8.3615% | 5,363 |
| Core capital (leverage) ratio | 8.0377% | 5,503 |
| Tier 1 risk-based capital ratio | 11.4777% | 4,973 |
| Total risk-based capital ratio | 12.7327% | 4,864 |
| Memoranda: | ||
| Average total assets | $88,189,750 | 4,501 |
| Average earning assets | $80,706,500 | 4,497 |
| Average equity | $7,257,000 | 4,953 |
| Average total loans | $62,744,750 | 4,164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,512 |
| Cost of funding earning assets | 0.3099% | 3,974 |
| Net interest margin | 4.1886% | 1,098 |
| Noninterest income to average assets | 0.8314% | 1,462 |
| Noninterest expense to average assets | 3.6326% | 837 |
| Loan and lease loss provision to assets | 0.1374% | 1,507 |
| Net operating income to assets | 0.6207% | 4,214 |
| Return on assets (ROA) | 0.6207% | 4,259 |
| Pretax return on assets | 0.9001% | 3,935 |
| Return on Equity (ROE) | 7.5854% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.5854% | 1,319 |
| Net charge-offs to loans | 0.0129% | 3,005 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 601 |
| Efficiency ratio | 77.7832% | 1,492 |
| Assets per employee ($millions) | 3.7231% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,333 |
| Loan loss allowance to noncurrent loans | 1,523.5294% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,869 |
| Noncurrent loans to loans | 0.1030% | 4,717 |
| Net loans and leases to total assets | 72.7100% | 2,093 |
| Net loans and leases to deposits | 79.3682% | 2,984 |
| Net loans and leases to core deposits | 83.4414% | 3,128 |
| Total domestic deposits to total assets | 91.6110% | 120 |
| Equity capital to assets | 8.1663% | 5,464 |
| Core capital (leverage) ratio | 8.1058% | 5,483 |
| Tier 1 risk-based capital ratio | 11.2833% | 5,101 |
| Total risk-based capital ratio | 12.5379% | 4,980 |
| Memoranda: | ||
| Average total assets | $87,320,670 | 4,538 |
| Average earning assets | $80,027,330 | 4,533 |
| Average equity | $7,145,330 | 4,996 |
| Average total loans | $62,207,330 | 4,199 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,148 |
| Cost of funding earning assets | 0.3039% | 4,007 |
| Net interest margin | 3.9305% | 1,674 |
| Noninterest income to average assets | 0.9409% | 1,131 |
| Noninterest expense to average assets | 3.3880% | 1,223 |
| Loan and lease loss provision to assets | 0.1390% | 1,365 |
| Net operating income to assets | 0.7138% | 3,646 |
| Return on assets (ROA) | 0.7138% | 3,687 |
| Pretax return on assets | 1.0104% | 3,320 |
| Return on Equity (ROE) | 8.7135% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.7135% | 1,183 |
| Net charge-offs to loans | 0.0464% | 1,920 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 1,123 |
| Efficiency ratio | 74.6680% | 2,111 |
| Assets per employee ($millions) | 3.6012% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,671.6667% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 3,985 |
| Noncurrent loans to loans | 0.0980% | 4,798 |
| Net loans and leases to total assets | 66.9151% | 2,830 |
| Net loans and leases to deposits | 72.9343% | 3,519 |
| Net loans and leases to core deposits | 76.4466% | 3,612 |
| Total domestic deposits to total assets | 91.7471% | 137 |
| Equity capital to assets | 7.9674% | 5,536 |
| Core capital (leverage) ratio | 8.3393% | 5,351 |
| Tier 1 risk-based capital ratio | 11.6603% | 4,940 |
| Total risk-based capital ratio | 12.9156% | 4,829 |
| Memoranda: | ||
| Average total assets | $86,303,500 | 4,596 |
| Average earning assets | $78,973,000 | 4,593 |
| Average equity | $7,069,500 | 5,049 |
| Average total loans | $60,308,000 | 4,295 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,429 |
| Cost of funding earning assets | 0.2999% | 4,064 |
| Net interest margin | 4.2373% | 1,040 |
| Noninterest income to average assets | 0.9188% | 1,352 |
| Noninterest expense to average assets | 3.8180% | 764 |
| Loan and lease loss provision to assets | 0.1170% | 2,114 |
| Net operating income to assets | 0.5536% | 4,421 |
| Return on assets (ROA) | 0.5536% | 4,524 |
| Pretax return on assets | 0.8213% | 4,126 |
| Return on Equity (ROE) | 6.7895% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.7895% | 1,314 |
| Net charge-offs to loans | -0.0284% | 5,224 |
| Credit loss provision to net charge-offs | -562.5000% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2732% | 1,389 |
| Assets per employee ($millions) | 3.3031% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 1,252 |
| Loan loss allowance to noncurrent loans | 1,031.5789% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,954 |
| Noncurrent loans to loans | 0.1600% | 4,593 |
| Net loans and leases to total assets | 70.7089% | 2,381 |
| Net loans and leases to deposits | 77.5082% | 3,159 |
| Net loans and leases to core deposits | 81.6153% | 3,241 |
| Total domestic deposits to total assets | 91.2277% | 221 |
| Equity capital to assets | 8.4357% | 5,319 |
| Core capital (leverage) ratio | 8.5323% | 5,233 |
| Tier 1 risk-based capital ratio | 11.6533% | 4,954 |
| Total risk-based capital ratio | 12.9077% | 4,859 |
| Memoranda: | ||
| Average total assets | $76,952,000 | 4,795 |
| Average earning assets | $69,691,400 | 4,812 |
| Average equity | $6,274,400 | 5,234 |
| Average total loans | $56,420,400 | 4,398 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,300 |
| Cost of funding earning assets | 0.2988% | 4,113 |
| Net interest margin | 4.2962% | 937 |
| Noninterest income to average assets | 0.9389% | 1,279 |
| Noninterest expense to average assets | 3.7133% | 832 |
| Loan and lease loss provision to assets | 0.1059% | 2,164 |
| Net operating income to assets | 0.6724% | 3,997 |
| Return on assets (ROA) | 0.6724% | 4,116 |
| Pretax return on assets | 1.0025% | 3,621 |
| Return on Equity (ROE) | 8.3257% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.3257% | 1,035 |
| Net charge-offs to loans | -0.0383% | 5,270 |
| Credit loss provision to net charge-offs | -375.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0132% | 1,836 |
| Assets per employee ($millions) | 3.2194% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,252 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 4,181 |
| Noncurrent loans to loans | 0.1011% | 4,933 |
| Net loans and leases to total assets | 68.8476% | 2,669 |
| Net loans and leases to deposits | 74.9084% | 3,509 |
| Net loans and leases to core deposits | 79.0606% | 3,545 |
| Total domestic deposits to total assets | 91.9091% | 81 |
| Equity capital to assets | 7.8188% | 5,790 |
| Core capital (leverage) ratio | 8.0698% | 5,652 |
| Tier 1 risk-based capital ratio | 11.1505% | 5,288 |
| Total risk-based capital ratio | 12.4056% | 5,196 |
| Memoranda: | ||
| Average total assets | $75,545,500 | 4,858 |
| Average earning assets | $68,275,500 | 4,881 |
| Average equity | $6,101,500 | 5,318 |
| Average total loans | $55,683,000 | 4,450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,172 |
| Cost of funding earning assets | 0.2978% | 4,159 |
| Net interest margin | 4.3495% | 853 |
| Noninterest income to average assets | 0.9770% | 1,181 |
| Noninterest expense to average assets | 3.6780% | 907 |
| Loan and lease loss provision to assets | 0.1624% | 1,393 |
| Net operating income to assets | 0.7037% | 3,769 |
| Return on assets (ROA) | 0.7037% | 3,919 |
| Pretax return on assets | 1.0501% | 3,397 |
| Return on Equity (ROE) | 8.6126% | 2,690 |
| Retained earnings to average equity (ytd only) | 8.6126% | 969 |
| Net charge-offs to loans | -0.0144% | 4,827 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2075% | 2,196 |
| Assets per employee ($millions) | 3.2290% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 1,281 |
| Loan loss allowance to noncurrent loans | 9,380.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 4,462 |
| Noncurrent loans to loans | 0.0181% | 5,404 |
| Net loans and leases to total assets | 70.1955% | 2,449 |
| Net loans and leases to deposits | 76.4618% | 3,330 |
| Net loans and leases to core deposits | 79.4305% | 3,514 |
| Total domestic deposits to total assets | 91.8046% | 99 |
| Equity capital to assets | 7.9644% | 5,817 |
| Core capital (leverage) ratio | 8.3587% | 5,484 |
| Tier 1 risk-based capital ratio | 11.0858% | 5,372 |
| Total risk-based capital ratio | 12.3419% | 5,287 |
| Memoranda: | ||
| Average total assets | $73,899,000 | 4,935 |
| Average earning assets | $66,490,000 | 4,967 |
| Average equity | $6,037,670 | 5,381 |
| Average total loans | $55,456,670 | 4,489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,199 |
| Cost of funding earning assets | 0.3030% | 4,129 |
| Net interest margin | 4.3227% | 887 |
| Noninterest income to average assets | 1.1151% | 879 |
| Noninterest expense to average assets | 3.7836% | 794 |
| Loan and lease loss provision to assets | 0.1664% | 1,245 |
| Net operating income to assets | 0.6990% | 3,721 |
| Return on assets (ROA) | 0.6990% | 3,833 |
| Pretax return on assets | 1.0430% | 3,311 |
| Return on Equity (ROE) | 8.4415% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.4415% | 1,284 |
| Net charge-offs to loans | -0.0216% | 4,901 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7778% | 2,207 |
| Assets per employee ($millions) | 2.9923% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,486 |
| Loan loss allowance to noncurrent loans | 18,140.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 4,469 |
| Noncurrent loans to loans | 0.0091% | 5,485 |
| Net loans and leases to total assets | 75.3826% | 1,492 |
| Net loans and leases to deposits | 82.5131% | 2,484 |
| Net loans and leases to core deposits | 86.0121% | 2,748 |
| Total domestic deposits to total assets | 91.3584% | 185 |
| Equity capital to assets | 8.4049% | 5,630 |
| Core capital (leverage) ratio | 8.2952% | 5,574 |
| Tier 1 risk-based capital ratio | 10.7645% | 5,630 |
| Total risk-based capital ratio | 12.0184% | 5,529 |
| Memoranda: | ||
| Average total assets | $72,101,000 | 5,021 |
| Average earning assets | $64,681,500 | 5,057 |
| Average equity | $5,970,500 | 5,428 |
| Average total loans | $55,517,000 | 4,512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,249 |
| Cost of funding earning assets | 0.3130% | 4,097 |
| Net interest margin | 4.3219% | 925 |
| Noninterest income to average assets | 1.2694% | 741 |
| Noninterest expense to average assets | 3.8831% | 775 |
| Loan and lease loss provision to assets | 0.3096% | 543 |
| Net operating income to assets | 0.6587% | 4,000 |
| Return on assets (ROA) | 0.6587% | 4,087 |
| Pretax return on assets | 0.9612% | 3,612 |
| Return on Equity (ROE) | 8.2123% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.2123% | 850 |
| Net charge-offs to loans | 0.0416% | 3,386 |
| Credit loss provision to net charge-offs | 995.4545% | 344 |
| Earnings coverage of net charge-offs (x) | 40.8636% | 1,160 |
| Efficiency ratio | 75.3428% | 2,378 |
| Assets per employee ($millions) | 3.0161% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,756 |
| Loan loss allowance to noncurrent loans | 17,480.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,516 |
| Noncurrent loans to loans | 0.0089% | 5,502 |
| Net loans and leases to total assets | 76.1421% | 1,395 |
| Net loans and leases to deposits | 83.1465% | 2,458 |
| Net loans and leases to core deposits | 86.6320% | 2,740 |
| Total domestic deposits to total assets | 91.5758% | 162 |
| Equity capital to assets | 8.1575% | 5,780 |
| Core capital (leverage) ratio | 8.1960% | 5,703 |
| Tier 1 risk-based capital ratio | 10.3384% | 5,849 |
| Total risk-based capital ratio | 11.5911% | 5,771 |
| Memoranda: | ||
| Average total assets | $70,742,400 | 5,074 |
| Average earning assets | $63,583,800 | 5,099 |
| Average equity | $5,674,400 | 5,510 |
| Average total loans | $52,876,200 | 4,584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,323 |
| Cost of funding earning assets | 0.3185% | 4,123 |
| Net interest margin | 4.2843% | 987 |
| Noninterest income to average assets | 1.4085% | 630 |
| Noninterest expense to average assets | 3.8730% | 766 |
| Loan and lease loss provision to assets | 0.3583% | 370 |
| Net operating income to assets | 0.6900% | 3,946 |
| Return on assets (ROA) | 0.6900% | 4,060 |
| Pretax return on assets | 1.0275% | 3,512 |
| Return on Equity (ROE) | 8.6406% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.6406% | 1,024 |
| Net charge-offs to loans | 0.0563% | 2,796 |
| Credit loss provision to net charge-offs | 859.0909% | 416 |
| Earnings coverage of net charge-offs (x) | 33.2301% | 1,400 |
| Efficiency ratio | 73.6482% | 2,615 |
| Assets per employee ($millions) | 2.7770% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,921 |
| Loan loss allowance to noncurrent loans | 14,066.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 4,457 |
| Noncurrent loans to loans | 0.0111% | 5,598 |
| Net loans and leases to total assets | 79.7551% | 853 |
| Net loans and leases to deposits | 87.6887% | 1,948 |
| Net loans and leases to core deposits | 92.1471% | 2,247 |
| Total domestic deposits to total assets | 90.9526% | 252 |
| Equity capital to assets | 8.7143% | 5,566 |
| Core capital (leverage) ratio | 8.3073% | 5,714 |
| Tier 1 risk-based capital ratio | 10.2183% | 5,972 |
| Total risk-based capital ratio | 11.4708% | 5,918 |
| Memoranda: | ||
| Average total assets | $70,331,250 | 5,147 |
| Average earning assets | $63,205,750 | 5,169 |
| Average equity | $5,616,750 | 5,588 |
| Average total loans | $52,097,500 | 4,657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 1,835 |
| Cost of funding earning assets | 0.3094% | 4,287 |
| Net interest margin | 4.0969% | 1,361 |
| Noninterest income to average assets | 1.5093% | 564 |
| Noninterest expense to average assets | 3.6949% | 991 |
| Loan and lease loss provision to assets | 0.4444% | 244 |
| Net operating income to assets | 0.7183% | 3,803 |
| Return on assets (ROA) | 0.7183% | 3,922 |
| Pretax return on assets | 1.0705% | 3,301 |
| Return on Equity (ROE) | 9.2563% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.2563% | 844 |
| Net charge-offs to loans | 0.1049% | 1,955 |
| Credit loss provision to net charge-offs | 588.8889% | 563 |
| Earnings coverage of net charge-offs (x) | 20.0741% | 1,725 |
| Efficiency ratio | 70.9227% | 3,176 |
| Assets per employee ($millions) | 3.1041% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 2,511 |
| Loan loss allowance to noncurrent loans | 13,483.3333% | 51 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 2,260 |
| Noncurrent loans to loans | 0.0108% | 5,724 |
| Net loans and leases to total assets | 77.0250% | 1,214 |
| Net loans and leases to deposits | 83.9573% | 2,317 |
| Net loans and leases to core deposits | 87.5376% | 2,602 |
| Total domestic deposits to total assets | 91.7431% | 156 |
| Equity capital to assets | 7.9767% | 5,995 |
| Core capital (leverage) ratio | 7.8260% | 6,009 |
| Tier 1 risk-based capital ratio | 9.6599% | 6,173 |
| Total risk-based capital ratio | 10.9110% | 6,142 |
| Memoranda: | ||
| Average total assets | $71,558,670 | 5,168 |
| Average earning assets | $64,635,000 | 5,185 |
| Average equity | $5,553,000 | 5,651 |
| Average total loans | $51,463,330 | 4,709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,128 |
| Cost of funding earning assets | 0.3001% | 4,441 |
| Net interest margin | 3.7294% | 2,515 |
| Noninterest income to average assets | 1.2116% | 774 |
| Noninterest expense to average assets | 3.7409% | 948 |
| Loan and lease loss provision to assets | 0.2513% | 656 |
| Net operating income to assets | 0.4188% | 5,001 |
| Return on assets (ROA) | 0.4188% | 5,121 |
| Pretax return on assets | 0.6198% | 4,857 |
| Return on Equity (ROE) | 5.4725% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4725% | 2,795 |
| Net charge-offs to loans | 0.0487% | 2,304 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,251 |
| Efficiency ratio | 81.1138% | 1,744 |
| Assets per employee ($millions) | 2.9643% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,718 |
| Loan loss allowance to noncurrent loans | 98.4869% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4829% | 1,774 |
| Noncurrent loans to loans | 1.4655% | 1,938 |
| Net loans and leases to total assets | 68.7226% | 2,328 |
| Net loans and leases to deposits | 74.7676% | 3,187 |
| Net loans and leases to core deposits | 77.9615% | 3,380 |
| Total domestic deposits to total assets | 91.9150% | 153 |
| Equity capital to assets | 7.7589% | 6,112 |
| Core capital (leverage) ratio | 7.4413% | 6,163 |
| Tier 1 risk-based capital ratio | 10.0036% | 6,168 |
| Total risk-based capital ratio | 11.2541% | 6,118 |
| Memoranda: | ||
| Average total assets | $71,640,500 | 5,214 |
| Average earning assets | $65,318,500 | 5,222 |
| Average equity | $5,482,000 | 5,721 |
| Average total loans | $49,294,500 | 4,805 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,762 |
| Cost of funding earning assets | 0.2915% | 4,874 |
| Net interest margin | 4.2366% | 1,195 |
| Noninterest income to average assets | 1.3100% | 713 |
| Noninterest expense to average assets | 4.3800% | 513 |
| Loan and lease loss provision to assets | 0.2913% | 715 |
| Net operating income to assets | 0.3809% | 5,286 |
| Return on assets (ROA) | 0.3809% | 5,356 |
| Pretax return on assets | 0.5723% | 5,026 |
| Return on Equity (ROE) | 4.1488% | 5,053 |
| Retained earnings to average equity (ytd only) | 4.1488% | 3,245 |
| Net charge-offs to loans | 0.1163% | 2,872 |
| Credit loss provision to net charge-offs | 352.0833% | 749 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 2,609 |
| Efficiency ratio | 83.5306% | 1,468 |
| Assets per employee ($millions) | 3.0057% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,030 |
| Loan loss allowance to noncurrent loans | 336.8159% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 3,511 |
| Noncurrent loans to loans | 0.4104% | 4,413 |
| Net loans and leases to total assets | 66.9615% | 2,735 |
| Net loans and leases to deposits | 72.6420% | 3,602 |
| Net loans and leases to core deposits | 75.6855% | 3,744 |
| Total domestic deposits to total assets | 92.1802% | 129 |
| Equity capital to assets | 7.5468% | 6,225 |
| Core capital (leverage) ratio | 7.2190% | 6,269 |
| Tier 1 risk-based capital ratio | 10.3054% | 6,178 |
| Total risk-based capital ratio | 11.5555% | 6,120 |
| Memoranda: | ||
| Average total assets | $58,013,600 | 5,601 |
| Average earning assets | $53,863,600 | 5,570 |
| Average equity | $5,326,800 | 5,784 |
| Average total loans | $41,261,800 | 5,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 1,377 |
| Cost of funding earning assets | 0.2825% | 5,067 |
| Net interest margin | 4.3886% | 899 |
| Noninterest income to average assets | 1.3019% | 718 |
| Noninterest expense to average assets | 4.5738% | 424 |
| Loan and lease loss provision to assets | 0.2203% | 1,038 |
| Net operating income to assets | 0.3769% | 5,332 |
| Return on assets (ROA) | 0.3769% | 5,411 |
| Pretax return on assets | 0.5751% | 5,110 |
| Return on Equity (ROE) | 3.8760% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.8760% | 3,893 |
| Net charge-offs to loans | -0.0136% | 5,503 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1869% | 1,268 |
| Assets per employee ($millions) | 2.3813% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 3,036 |
| Loan loss allowance to noncurrent loans | 233.8129% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 3,190 |
| Noncurrent loans to loans | 0.6111% | 4,092 |
| Net loans and leases to total assets | 78.4557% | 910 |
| Net loans and leases to deposits | 87.1286% | 1,777 |
| Net loans and leases to core deposits | 91.9039% | 2,046 |
| Total domestic deposits to total assets | 90.0458% | 713 |
| Equity capital to assets | 9.4082% | 4,909 |
| Core capital (leverage) ratio | 8.8618% | 5,247 |
| Tier 1 risk-based capital ratio | 10.6629% | 6,145 |
| Total risk-based capital ratio | 11.9153% | 6,097 |
| Memoranda: | ||
| Average total assets | $54,482,750 | 5,748 |
| Average earning assets | $50,492,750 | 5,719 |
| Average equity | $5,297,500 | 5,846 |
| Average total loans | $39,332,000 | 5,265 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 1,704 |
| Cost of funding earning assets | 0.2737% | 5,249 |
| Net interest margin | 4.2628% | 1,105 |
| Noninterest income to average assets | 1.3136% | 696 |
| Noninterest expense to average assets | 4.3215% | 540 |
| Loan and lease loss provision to assets | 0.2239% | 1,030 |
| Net operating income to assets | 0.4739% | 4,918 |
| Return on assets (ROA) | 0.4739% | 4,987 |
| Pretax return on assets | 0.7202% | 4,574 |
| Return on Equity (ROE) | 4.8188% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.8188% | 3,073 |
| Net charge-offs to loans | -0.0268% | 5,648 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0695% | 1,734 |
| Assets per employee ($millions) | 2.3031% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,077 |
| Loan loss allowance to noncurrent loans | 307.4257% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 3,583 |
| Noncurrent loans to loans | 0.4746% | 4,577 |
| Net loans and leases to total assets | 75.8734% | 1,183 |
| Net loans and leases to deposits | 84.4982% | 1,980 |
| Net loans and leases to core deposits | 86.9941% | 2,420 |
| Total domestic deposits to total assets | 89.7929% | 911 |
| Equity capital to assets | 9.6771% | 4,519 |
| Core capital (leverage) ratio | 9.2533% | 4,659 |
| Tier 1 risk-based capital ratio | 11.2709% | 5,924 |
| Total risk-based capital ratio | 12.5229% | 5,863 |
| Memoranda: | ||
| Average total assets | $53,593,000 | 5,818 |
| Average earning assets | $49,685,330 | 5,796 |
| Average equity | $5,271,000 | 5,895 |
| Average total loans | $37,279,670 | 5,363 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 3,472 |
| Cost of funding earning assets | 0.2695% | 5,392 |
| Net interest margin | 3.7814% | 2,546 |
| Noninterest income to average assets | 1.2663% | 691 |
| Noninterest expense to average assets | 4.1780% | 616 |
| Loan and lease loss provision to assets | 0.2275% | 976 |
| Net operating income to assets | 0.2426% | 5,684 |
| Return on assets (ROA) | 0.2426% | 5,733 |
| Pretax return on assets | 0.3715% | 5,537 |
| Return on Equity (ROE) | 2.4465% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.4465% | 4,604 |
| Net charge-offs to loans | -0.0346% | 5,644 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4603% | 1,286 |
| Assets per employee ($millions) | 2.3920% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,473 |
| Loan loss allowance to noncurrent loans | 291.5842% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.9121% | 1,796 |
| Noncurrent loans to loans | 0.5693% | 4,456 |
| Net loans and leases to total assets | 63.4259% | 2,993 |
| Net loans and leases to deposits | 70.4025% | 3,548 |
| Net loans and leases to core deposits | 72.4850% | 3,821 |
| Total domestic deposits to total assets | 90.0903% | 1,021 |
| Equity capital to assets | 9.5407% | 4,444 |
| Core capital (leverage) ratio | 9.2071% | 4,711 |
| Tier 1 risk-based capital ratio | 13.1176% | 4,945 |
| Total risk-based capital ratio | 14.3731% | 4,872 |
| Memoranda: | ||
| Average total assets | $52,752,000 | 5,892 |
| Average earning assets | $48,976,000 | 5,869 |
| Average equity | $5,232,000 | 5,941 |
| Average total loans | $34,639,500 | 5,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 1,308 |
| Cost of funding earning assets | 0.2836% | 5,732 |
| Net interest margin | 4.5195% | 715 |
| Noninterest income to average assets | 2.5080% | 281 |
| Noninterest expense to average assets | 5.1268% | 319 |
| Loan and lease loss provision to assets | 0.8850% | 221 |
| Net operating income to assets | 0.4677% | 4,878 |
| Return on assets (ROA) | 0.4677% | 5,009 |
| Pretax return on assets | 0.7056% | 4,520 |
| Return on Equity (ROE) | 4.5433% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.5433% | 2,930 |
| Net charge-offs to loans | 1.6207% | 283 |
| Credit loss provision to net charge-offs | 78.8151% | 3,076 |
| Earnings coverage of net charge-offs (x) | 1.4165% | 4,583 |
| Efficiency ratio | 76.3205% | 2,723 |
| Assets per employee ($millions) | 2.1951% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 2,590 |
| Loan loss allowance to noncurrent loans | 175.3943% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 2.3115% | 1,519 |
| Noncurrent loans to loans | 0.9380% | 3,643 |
| Net loans and leases to total assets | 65.8368% | 2,711 |
| Net loans and leases to deposits | 73.7890% | 3,294 |
| Net loans and leases to core deposits | 76.1978% | 3,588 |
| Total domestic deposits to total assets | 89.2230% | 1,474 |
| Equity capital to assets | 10.3294% | 3,366 |
| Core capital (leverage) ratio | 9.8495% | 3,774 |
| Tier 1 risk-based capital ratio | 14.0830% | 4,243 |
| Total risk-based capital ratio | 15.3367% | 4,180 |
| Memoranda: | ||
| Average total assets | $49,602,000 | 6,022 |
| Average earning assets | $46,199,800 | 5,984 |
| Average equity | $5,106,400 | 6,042 |
| Average total loans | $34,368,200 | 5,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 1,471 |
| Cost of funding earning assets | 0.2839% | 5,861 |
| Net interest margin | 4.4676% | 774 |
| Noninterest income to average assets | 3.1617% | 222 |
| Noninterest expense to average assets | 5.1760% | 303 |
| Loan and lease loss provision to assets | 1.4310% | 82 |
| Net operating income to assets | 0.4725% | 4,919 |
| Return on assets (ROA) | 0.4725% | 5,071 |
| Pretax return on assets | 0.7182% | 4,624 |
| Return on Equity (ROE) | 4.5938% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.5938% | 3,406 |
| Net charge-offs to loans | 2.1249% | 169 |
| Credit loss provision to net charge-offs | 96.3636% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.4473% | 4,352 |
| Efficiency ratio | 70.6598% | 3,650 |
| Assets per employee ($millions) | 2.1686% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 1,951 |
| Loan loss allowance to noncurrent loans | 197.5831% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 2.6364% | 1,434 |
| Noncurrent loans to loans | 0.9709% | 3,867 |
| Net loans and leases to total assets | 67.0396% | 2,448 |
| Net loans and leases to deposits | 75.3159% | 3,045 |
| Net loans and leases to core deposits | 77.8116% | 3,383 |
| Total domestic deposits to total assets | 89.0112% | 1,548 |
| Equity capital to assets | 10.3432% | 3,456 |
| Core capital (leverage) ratio | 9.5341% | 4,353 |
| Tier 1 risk-based capital ratio | 13.5139% | 4,748 |
| Total risk-based capital ratio | 14.7731% | 4,702 |
| Memoranda: | ||
| Average total assets | $49,380,750 | 6,096 |
| Average earning assets | $46,019,500 | 6,055 |
| Average equity | $5,079,250 | 6,116 |
| Average total loans | $34,511,500 | 5,609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 1,327 |
| Cost of funding earning assets | 0.2787% | 5,993 |
| Net interest margin | 4.5196% | 686 |
| Noninterest income to average assets | 3.6696% | 202 |
| Noninterest expense to average assets | 5.1326% | 322 |
| Loan and lease loss provision to assets | 1.9100% | 56 |
| Net operating income to assets | 0.5567% | 4,518 |
| Return on assets (ROA) | 0.5567% | 4,693 |
| Pretax return on assets | 0.8453% | 4,134 |
| Return on Equity (ROE) | 5.4229% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.4229% | 2,791 |
| Net charge-offs to loans | 2.7935% | 118 |
| Credit loss provision to net charge-offs | 97.1074% | 2,301 |
| Earnings coverage of net charge-offs (x) | 1.4008% | 4,071 |
| Efficiency ratio | 65.0696% | 4,696 |
| Assets per employee ($millions) | 2.1179% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 1,971 |
| Loan loss allowance to noncurrent loans | 79.3269% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 3.7281% | 986 |
| Noncurrent loans to loans | 2.4559% | 1,901 |
| Net loans and leases to total assets | 68.1920% | 2,197 |
| Net loans and leases to deposits | 76.6835% | 2,772 |
| Net loans and leases to core deposits | 78.7599% | 3,195 |
| Total domestic deposits to total assets | 88.9265% | 1,671 |
| Equity capital to assets | 10.5212% | 3,273 |
| Core capital (leverage) ratio | 9.5484% | 4,166 |
| Tier 1 risk-based capital ratio | 13.4875% | 4,780 |
| Total risk-based capital ratio | 14.7459% | 4,726 |
| Memoranda: | ||
| Average total assets | $49,215,000 | 6,140 |
| Average earning assets | $45,933,670 | 6,103 |
| Average equity | $5,052,670 | 6,165 |
| Average total loans | $34,651,330 | 5,630 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 1,030 |
| Cost of funding earning assets | 0.2762% | 6,127 |
| Net interest margin | 4.6433% | 524 |
| Noninterest income to average assets | 1.8841% | 466 |
| Noninterest expense to average assets | 5.2237% | 315 |
| Loan and lease loss provision to assets | 0.4852% | 555 |
| Net operating income to assets | 0.3720% | 5,253 |
| Return on assets (ROA) | 0.3720% | 5,385 |
| Pretax return on assets | 0.5256% | 5,191 |
| Return on Equity (ROE) | 3.6679% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.6679% | 4,035 |
| Net charge-offs to loans | 0.2968% | 1,779 |
| Credit loss provision to net charge-offs | 230.7692% | 984 |
| Earnings coverage of net charge-offs (x) | 4.8077% | 2,472 |
| Efficiency ratio | 83.7873% | 1,797 |
| Assets per employee ($millions) | 2.1269% | 6,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 2,293 |
| Loan loss allowance to noncurrent loans | 31.6213% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 4.9735% | 739 |
| Noncurrent loans to loans | 6.0140% | 552 |
| Net loans and leases to total assets | 74.6581% | 992 |
| Net loans and leases to deposits | 83.6222% | 1,638 |
| Net loans and leases to core deposits | 83.6222% | 2,367 |
| Total domestic deposits to total assets | 89.2802% | 1,502 |
| Equity capital to assets | 10.3007% | 3,796 |
| Core capital (leverage) ratio | 8.9067% | 5,046 |
| Tier 1 risk-based capital ratio | 12.2351% | 5,765 |
| Total risk-based capital ratio | 13.4925% | 5,719 |
| Memoranda: | ||
| Average total assets | $49,467,000 | 6,195 |
| Average earning assets | $46,346,000 | 6,148 |
| Average equity | $5,016,500 | 6,239 |
| Average total loans | $35,038,500 | 5,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 3,944 |
| Cost of funding earning assets | 0.3617% | 6,152 |
| Net interest margin | 4.0088% | 2,361 |
| Noninterest income to average assets | 1.5434% | 662 |
| Noninterest expense to average assets | 4.6086% | 513 |
| Loan and lease loss provision to assets | 0.4731% | 1,308 |
| Net operating income to assets | 0.0887% | 6,028 |
| Return on assets (ROA) | 0.0887% | 6,171 |
| Pretax return on assets | 0.1321% | 6,099 |
| Return on Equity (ROE) | 0.9033% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.9033% | 5,421 |
| Net charge-offs to loans | 1.0756% | 990 |
| Credit loss provision to net charge-offs | 71.4286% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.9137% | 5,016 |
| Efficiency ratio | 88.3932% | 1,210 |
| Assets per employee ($millions) | 2.1746% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 1,885 |
| Loan loss allowance to noncurrent loans | 26.7460% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 5.3664% | 705 |
| Noncurrent loans to loans | 7.6719% | 391 |
| Net loans and leases to total assets | 64.3267% | 2,840 |
| Net loans and leases to deposits | 71.9143% | 3,426 |
| Net loans and leases to core deposits | 71.9143% | 4,052 |
| Total domestic deposits to total assets | 89.4492% | 1,275 |
| Equity capital to assets | 9.9850% | 4,190 |
| Core capital (leverage) ratio | 9.0581% | 4,809 |
| Tier 1 risk-based capital ratio | 13.7808% | 4,549 |
| Total risk-based capital ratio | 15.0398% | 4,494 |
| Memoranda: | ||
| Average total assets | $50,731,600 | 6,193 |
| Average earning assets | $46,447,800 | 6,166 |
| Average equity | $4,981,600 | 6,296 |
| Average total loans | $31,239,800 | 5,887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 3,990 |
| Cost of funding earning assets | 0.3823% | 6,212 |
| Net interest margin | 4.0327% | 2,370 |
| Noninterest income to average assets | 1.5216% | 641 |
| Noninterest expense to average assets | 4.4731% | 555 |
| Loan and lease loss provision to assets | 0.4714% | 1,315 |
| Net operating income to assets | 0.1650% | 6,001 |
| Return on assets (ROA) | 0.1650% | 6,147 |
| Pretax return on assets | 0.2514% | 6,042 |
| Return on Equity (ROE) | 1.6873% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.6873% | 5,487 |
| Net charge-offs to loans | 1.4527% | 611 |
| Credit loss provision to net charge-offs | 53.5714% | 4,308 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 4,919 |
| Efficiency ratio | 86.0887% | 1,367 |
| Assets per employee ($millions) | 2.1547% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 2,348 |
| Loan loss allowance to noncurrent loans | 17.4879% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 9.0096% | 302 |
| Noncurrent loans to loans | 11.1129% | 199 |
| Net loans and leases to total assets | 62.5126% | 3,300 |
| Net loans and leases to deposits | 69.8267% | 3,916 |
| Net loans and leases to core deposits | 69.8267% | 4,517 |
| Total domestic deposits to total assets | 89.5254% | 1,112 |
| Equity capital to assets | 10.1094% | 4,339 |
| Core capital (leverage) ratio | 9.0068% | 5,059 |
| Tier 1 risk-based capital ratio | 13.7369% | 4,733 |
| Total risk-based capital ratio | 14.9958% | 4,679 |
| Memoranda: | ||
| Average total assets | $50,910,750 | 6,256 |
| Average earning assets | $46,385,750 | 6,239 |
| Average equity | $4,978,500 | 6,367 |
| Average total loans | $30,838,000 | 5,987 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 3,952 |
| Cost of funding earning assets | 0.4033% | 6,247 |
| Net interest margin | 4.0544% | 2,274 |
| Noninterest income to average assets | 1.6355% | 552 |
| Noninterest expense to average assets | 4.4742% | 566 |
| Loan and lease loss provision to assets | 0.4673% | 1,363 |
| Net operating income to assets | 0.2453% | 5,777 |
| Return on assets (ROA) | 0.2453% | 5,968 |
| Pretax return on assets | 0.3738% | 5,771 |
| Return on Equity (ROE) | 2.5362% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.5362% | 4,918 |
| Net charge-offs to loans | 2.1971% | 354 |
| Credit loss provision to net charge-offs | 35.7143% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.6429% | 4,743 |
| Efficiency ratio | 84.1758% | 1,609 |
| Assets per employee ($millions) | 2.1883% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 3,025 |
| Loan loss allowance to noncurrent loans | 15.6586% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 9.0282% | 338 |
| Noncurrent loans to loans | 11.1775% | 205 |
| Net loans and leases to total assets | 61.7890% | 3,481 |
| Net loans and leases to deposits | 68.8869% | 4,062 |
| Net loans and leases to core deposits | 68.8869% | 4,686 |
| Total domestic deposits to total assets | 89.6962% | 1,105 |
| Equity capital to assets | 9.9581% | 4,403 |
| Core capital (leverage) ratio | 9.1298% | 4,719 |
| Tier 1 risk-based capital ratio | 13.8713% | 4,541 |
| Total risk-based capital ratio | 15.1257% | 4,509 |
| Memoranda: | ||
| Average total assets | $51,361,670 | 6,279 |
| Average earning assets | $46,616,330 | 6,274 |
| Average equity | $4,968,000 | 6,397 |
| Average total loans | $30,586,000 | 6,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 3,322 |
| Cost of funding earning assets | 0.4535% | 6,124 |
| Net interest margin | 4.1841% | 1,796 |
| Noninterest income to average assets | 0.8790% | 1,834 |
| Noninterest expense to average assets | 4.0403% | 893 |
| Loan and lease loss provision to assets | 0.4626% | 1,333 |
| Net operating income to assets | 0.0925% | 6,250 |
| Return on assets (ROA) | 0.0925% | 6,376 |
| Pretax return on assets | 0.1465% | 6,303 |
| Return on Equity (ROE) | 0.9705% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.9705% | 5,684 |
| Net charge-offs to loans | 0.1997% | 2,923 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 2,409 |
| Efficiency ratio | 86.8988% | 1,385 |
| Assets per employee ($millions) | 2.3007% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 1,224 |
| Loan loss allowance to noncurrent loans | 19.6244% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 10.2480% | 282 |
| Noncurrent loans to loans | 13.2536% | 160 |
| Net loans and leases to total assets | 60.2983% | 3,600 |
| Net loans and leases to deposits | 67.1182% | 4,211 |
| Net loans and leases to core deposits | 67.1182% | 4,786 |
| Total domestic deposits to total assets | 89.8390% | 1,166 |
| Equity capital to assets | 9.7777% | 4,414 |
| Core capital (leverage) ratio | 8.3201% | 5,844 |
| Tier 1 risk-based capital ratio | 13.2354% | 5,047 |
| Total risk-based capital ratio | 14.5004% | 5,007 |
| Memoranda: | ||
| Average total assets | $51,877,000 | 6,305 |
| Average earning assets | $46,748,000 | 6,303 |
| Average equity | $4,946,000 | 6,440 |
| Average total loans | $30,052,500 | 6,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 5,512 |
| Cost of funding earning assets | 0.6701% | 5,709 |
| Net interest margin | 3.7059% | 4,273 |
| Noninterest income to average assets | 0.5984% | 3,174 |
| Noninterest expense to average assets | 4.0906% | 921 |
| Loan and lease loss provision to assets | 1.1513% | 780 |
| Net operating income to assets | -0.7887% | 6,649 |
| Return on assets (ROA) | -0.6988% | 6,641 |
| Pretax return on assets | -1.1531% | 6,797 |
| Return on Equity (ROE) | -7.2185% | 6,645 |
| Retained earnings to average equity (ytd only) | -7.2185% | 6,586 |
| Net charge-offs to loans | 1.7441% | 860 |
| Credit loss provision to net charge-offs | 111.6814% | 2,974 |
| Earnings coverage of net charge-offs (x) | -0.1381% | 5,917 |
| Efficiency ratio | 103.6044% | 581 |
| Assets per employee ($millions) | 2.3104% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6764% | 1,100 |
| Loan loss allowance to noncurrent loans | 24.1077% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 7.8963% | 521 |
| Noncurrent loans to loans | 11.1018% | 260 |
| Net loans and leases to total assets | 52.6920% | 5,204 |
| Net loans and leases to deposits | 58.3990% | 5,663 |
| Net loans and leases to core deposits | 59.3522% | 5,900 |
| Total domestic deposits to total assets | 90.2275% | 864 |
| Equity capital to assets | 9.3020% | 5,147 |
| Core capital (leverage) ratio | 8.1378% | 6,090 |
| Tier 1 risk-based capital ratio | 14.0476% | 4,295 |
| Total risk-based capital ratio | 15.3121% | 4,231 |
| Memoranda: | ||
| Average total assets | $54,808,800 | 6,205 |
| Average earning assets | $49,542,600 | 6,212 |
| Average equity | $5,305,800 | 6,345 |
| Average total loans | $32,394,600 | 6,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 5,224 |
| Cost of funding earning assets | 0.7062% | 5,721 |
| Net interest margin | 3.8066% | 3,839 |
| Noninterest income to average assets | 0.7170% | 2,494 |
| Noninterest expense to average assets | 3.8531% | 1,225 |
| Loan and lease loss provision to assets | 0.2414% | 3,594 |
| Net operating income to assets | 0.0424% | 6,088 |
| Return on assets (ROA) | 0.1569% | 5,934 |
| Pretax return on assets | 0.2149% | 5,869 |
| Return on Equity (ROE) | 1.6059% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.6059% | 5,338 |
| Net charge-offs to loans | 0.5646% | 2,549 |
| Credit loss provision to net charge-offs | 70.9220% | 4,455 |
| Earnings coverage of net charge-offs (x) | 0.8794% | 4,960 |
| Efficiency ratio | 92.7907% | 983 |
| Assets per employee ($millions) | 2.2185% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 2,013 |
| Loan loss allowance to noncurrent loans | 14.7464% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 10.5777% | 323 |
| Noncurrent loans to loans | 14.3983% | 151 |
| Net loans and leases to total assets | 57.4018% | 4,605 |
| Net loans and leases to deposits | 64.2188% | 5,140 |
| Net loans and leases to core deposits | 65.6351% | 5,453 |
| Total domestic deposits to total assets | 89.3847% | 1,206 |
| Equity capital to assets | 10.1570% | 4,146 |
| Core capital (leverage) ratio | 9.7866% | 3,719 |
| Tier 1 risk-based capital ratio | 15.2586% | 3,515 |
| Total risk-based capital ratio | 16.5162% | 3,475 |
| Memoranda: | ||
| Average total assets | $55,226,250 | 6,236 |
| Average earning assets | $49,842,250 | 6,252 |
| Average equity | $5,396,500 | 6,370 |
| Average total loans | $33,300,750 | 6,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 5,157 |
| Cost of funding earning assets | 0.7421% | 5,717 |
| Net interest margin | 3.8129% | 3,717 |
| Noninterest income to average assets | 0.9519% | 1,459 |
| Noninterest expense to average assets | 3.8757% | 1,233 |
| Loan and lease loss provision to assets | 0.1968% | 3,962 |
| Net operating income to assets | 0.2283% | 5,634 |
| Return on assets (ROA) | 0.3865% | 5,154 |
| Pretax return on assets | 0.5690% | 4,847 |
| Return on Equity (ROE) | 4.0054% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.0054% | 3,650 |
| Net charge-offs to loans | 0.2765% | 3,508 |
| Credit loss provision to net charge-offs | 117.0213% | 2,624 |
| Earnings coverage of net charge-offs (x) | 3.1702% | 3,279 |
| Efficiency ratio | 87.9058% | 1,424 |
| Assets per employee ($millions) | 2.1942% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 1,994 |
| Loan loss allowance to noncurrent loans | 12.7576% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 12.1974% | 254 |
| Noncurrent loans to loans | 16.9542% | 100 |
| Net loans and leases to total assets | 58.7101% | 4,512 |
| Net loans and leases to deposits | 65.5753% | 5,062 |
| Net loans and leases to core deposits | 66.9717% | 5,393 |
| Total domestic deposits to total assets | 89.5308% | 1,221 |
| Equity capital to assets | 9.9460% | 4,228 |
| Core capital (leverage) ratio | 9.4499% | 4,028 |
| Tier 1 risk-based capital ratio | 14.1271% | 4,077 |
| Total risk-based capital ratio | 15.3846% | 4,041 |
| Memoranda: | ||
| Average total assets | $55,887,000 | 6,263 |
| Average earning assets | $50,670,000 | 6,270 |
| Average equity | $5,392,670 | 6,413 |
| Average total loans | $33,992,330 | 6,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 5,730 |
| Cost of funding earning assets | 0.8186% | 5,472 |
| Net interest margin | 3.5709% | 4,716 |
| Noninterest income to average assets | 0.9078% | 1,639 |
| Noninterest expense to average assets | 3.7091% | 1,516 |
| Loan and lease loss provision to assets | 0.1064% | 4,682 |
| Net operating income to assets | 0.2553% | 5,596 |
| Return on assets (ROA) | 0.2553% | 5,660 |
| Pretax return on assets | 0.3404% | 5,534 |
| Return on Equity (ROE) | 2.6861% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.6861% | 4,552 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2491% | 1,395 |
| Assets per employee ($millions) | 2.1104% | 7,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 2,151 |
| Loan loss allowance to noncurrent loans | 15.6067% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 9.9330% | 420 |
| Noncurrent loans to loans | 13.5532% | 203 |
| Net loans and leases to total assets | 58.3921% | 4,577 |
| Net loans and leases to deposits | 64.8142% | 5,152 |
| Net loans and leases to core deposits | 66.1307% | 5,494 |
| Total domestic deposits to total assets | 90.0916% | 1,101 |
| Equity capital to assets | 9.4468% | 4,504 |
| Core capital (leverage) ratio | 8.9147% | 4,749 |
| Tier 1 risk-based capital ratio | 13.7802% | 4,226 |
| Total risk-based capital ratio | 15.0377% | 4,200 |
| Memoranda: | ||
| Average total assets | $56,402,500 | 6,298 |
| Average earning assets | $51,304,000 | 6,297 |
| Average equity | $5,361,000 | 6,432 |
| Average total loans | $34,529,500 | 6,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 5,995 |
| Cost of funding earning assets | 1.2583% | 4,159 |
| Net interest margin | 3.3798% | 5,702 |
| Noninterest income to average assets | 0.9686% | 1,614 |
| Noninterest expense to average assets | 3.9891% | 1,174 |
| Loan and lease loss provision to assets | 2.3264% | 514 |
| Net operating income to assets | -1.4514% | 6,897 |
| Return on assets (ROA) | -1.4252% | 6,904 |
| Pretax return on assets | -2.1799% | 7,083 |
| Return on Equity (ROE) | -14.5531% | 6,905 |
| Retained earnings to average equity (ytd only) | -14.5531% | 6,867 |
| Net charge-offs to loans | 3.5957% | 390 |
| Credit loss provision to net charge-offs | 95.7698% | 4,853 |
| Earnings coverage of net charge-offs (x) | 0.0437% | 6,073 |
| Efficiency ratio | 97.4085% | 894 |
| Assets per employee ($millions) | 2.0675% | 7,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 2,278 |
| Loan loss allowance to noncurrent loans | 13.0129% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 11.2964% | 326 |
| Noncurrent loans to loans | 15.4276% | 150 |
| Net loans and leases to total assets | 61.5571% | 4,383 |
| Net loans and leases to deposits | 68.5505% | 5,027 |
| Net loans and leases to core deposits | 70.6883% | 5,375 |
| Total domestic deposits to total assets | 89.7981% | 1,211 |
| Equity capital to assets | 9.5642% | 4,316 |
| Core capital (leverage) ratio | 8.6367% | 5,132 |
| Tier 1 risk-based capital ratio | 13.9167% | 3,920 |
| Total risk-based capital ratio | 15.1730% | 3,889 |
| Memoranda: | ||
| Average total assets | $59,361,600 | 6,228 |
| Average earning assets | $54,914,600 | 6,177 |
| Average equity | $5,813,200 | 6,424 |
| Average total loans | $40,103,400 | 5,919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 6,389 |
| Cost of funding earning assets | 1.2961% | 4,239 |
| Net interest margin | 3.2841% | 6,069 |
| Noninterest income to average assets | 0.9516% | 1,616 |
| Noninterest expense to average assets | 3.8419% | 1,293 |
| Loan and lease loss provision to assets | 2.7531% | 348 |
| Net operating income to assets | -1.6949% | 7,157 |
| Return on assets (ROA) | -1.6598% | 7,159 |
| Pretax return on assets | -2.5340% | 7,326 |
| Return on Equity (ROE) | -16.8581% | 7,151 |
| Retained earnings to average equity (ytd only) | -16.8581% | 7,129 |
| Net charge-offs to loans | 2.0823% | 887 |
| Credit loss provision to net charge-offs | 192.5697% | 1,857 |
| Earnings coverage of net charge-offs (x) | 0.1161% | 5,906 |
| Efficiency ratio | 95.8586% | 908 |
| Assets per employee ($millions) | 2.2324% | 7,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5787% | 511 |
| Loan loss allowance to noncurrent loans | 26.6680% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 8.8551% | 520 |
| Noncurrent loans to loans | 13.4196% | 212 |
| Net loans and leases to total assets | 58.7512% | 5,148 |
| Net loans and leases to deposits | 64.7820% | 5,809 |
| Net loans and leases to core deposits | 74.8868% | 5,184 |
| Total domestic deposits to total assets | 90.6905% | 554 |
| Equity capital to assets | 8.7656% | 5,911 |
| Core capital (leverage) ratio | 8.6521% | 5,268 |
| Tier 1 risk-based capital ratio | 13.5312% | 4,179 |
| Total risk-based capital ratio | 14.8085% | 4,103 |
| Memoranda: | ||
| Average total assets | $60,246,250 | 6,261 |
| Average earning assets | $56,066,500 | 6,196 |
| Average equity | $5,931,750 | 6,469 |
| Average total loans | $41,362,500 | 5,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 6,642 |
| Cost of funding earning assets | 1.3205% | 4,409 |
| Net interest margin | 3.2079% | 6,292 |
| Noninterest income to average assets | 0.9245% | 1,601 |
| Noninterest expense to average assets | 3.8929% | 1,196 |
| Loan and lease loss provision to assets | 2.3364% | 498 |
| Net operating income to assets | -1.5047% | 7,152 |
| Return on assets (ROA) | -1.4523% | 7,146 |
| Pretax return on assets | -2.2187% | 7,299 |
| Return on Equity (ROE) | -14.2043% | 7,116 |
| Retained earnings to average equity (ytd only) | -14.2043% | 7,076 |
| Net charge-offs to loans | 0.1790% | 4,537 |
| Credit loss provision to net charge-offs | 1,828.9474% | 222 |
| Earnings coverage of net charge-offs (x) | 0.2895% | 5,437 |
| Efficiency ratio | 99.0590% | 841 |
| Assets per employee ($millions) | 2.0905% | 7,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4525% | 568 |
| Loan loss allowance to noncurrent loans | 25.1771% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 9.9327% | 412 |
| Noncurrent loans to loans | 13.7127% | 206 |
| Net loans and leases to total assets | 67.9366% | 3,378 |
| Net loans and leases to deposits | 75.8806% | 4,359 |
| Net loans and leases to core deposits | 89.3357% | 3,362 |
| Total domestic deposits to total assets | 89.5309% | 1,159 |
| Equity capital to assets | 9.9241% | 4,106 |
| Core capital (leverage) ratio | 9.7184% | 3,515 |
| Tier 1 risk-based capital ratio | 13.5799% | 4,018 |
| Total risk-based capital ratio | 14.8570% | 3,961 |
| Memoranda: | ||
| Average total assets | $59,493,000 | 6,327 |
| Average earning assets | $55,737,330 | 6,253 |
| Average equity | $6,082,670 | 6,445 |
| Average total loans | $42,454,670 | 5,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 5,490 |
| Cost of funding earning assets | 1.3554% | 4,449 |
| Net interest margin | 3.5382% | 5,000 |
| Noninterest income to average assets | 0.9138% | 1,577 |
| Noninterest expense to average assets | 3.5416% | 1,874 |
| Loan and lease loss provision to assets | 0.8937% | 1,420 |
| Net operating income to assets | -0.1291% | 6,458 |
| Return on assets (ROA) | -0.0267% | 6,430 |
| Pretax return on assets | -0.0534% | 6,415 |
| Return on Equity (ROE) | -0.2573% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.2573% | 5,889 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8863% | 2,030 |
| Assets per employee ($millions) | 2.0498% | 7,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 1,905 |
| Loan loss allowance to noncurrent loans | 26.4101% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 6.0058% | 1,001 |
| Noncurrent loans to loans | 8.0420% | 667 |
| Net loans and leases to total assets | 69.6953% | 3,011 |
| Net loans and leases to deposits | 78.3453% | 3,972 |
| Net loans and leases to core deposits | 93.8943% | 2,853 |
| Total domestic deposits to total assets | 88.9592% | 1,536 |
| Equity capital to assets | 10.4386% | 3,309 |
| Core capital (leverage) ratio | 10.2016% | 2,929 |
| Tier 1 risk-based capital ratio | 14.1553% | 3,563 |
| Total risk-based capital ratio | 15.4148% | 3,525 |
| Memoranda: | ||
| Average total assets | $59,972,500 | 6,383 |
| Average earning assets | $56,073,000 | 6,322 |
| Average equity | $6,219,500 | 6,442 |
| Average total loans | $43,088,000 | 5,977 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9704% | 1,988 |
| Cost of funding earning assets | 1.4835% | 5,579 |
| Net interest margin | 4.4869% | 1,204 |
| Noninterest income to average assets | 1.1139% | 1,237 |
| Noninterest expense to average assets | 4.9356% | 544 |
| Loan and lease loss provision to assets | 0.8832% | 2,539 |
| Net operating income to assets | -0.6093% | 6,283 |
| Return on assets (ROA) | -0.5827% | 6,250 |
| Pretax return on assets | -0.5810% | 6,078 |
| Return on Equity (ROE) | -5.4481% | 6,255 |
| Retained earnings to average equity (ytd only) | -5.4481% | 6,081 |
| Net charge-offs to loans | 1.1163% | 2,195 |
| Credit loss provision to net charge-offs | 101.1407% | 5,457 |
| Earnings coverage of net charge-offs (x) | 0.3156% | 5,802 |
| Efficiency ratio | 94.7117% | 1,366 |
| Assets per employee ($millions) | 2.0863% | 7,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,732 |
| Loan loss allowance to noncurrent loans | 48.2042% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.9007% | 2,418 |
| Noncurrent loans to loans | 3.6193% | 2,081 |
| Net loans and leases to total assets | 71.2092% | 2,951 |
| Net loans and leases to deposits | 80.0368% | 3,978 |
| Net loans and leases to core deposits | 105.1934% | 3,436 |
| Total domestic deposits to total assets | 88.9706% | 1,494 |
| Equity capital to assets | 10.3038% | 3,399 |
| Core capital (leverage) ratio | 9.7445% | 3,393 |
| Tier 1 risk-based capital ratio | 13.3037% | 3,946 |
| Total risk-based capital ratio | 14.5578% | 3,883 |
| Memoranda: | ||
| Average total assets | $60,236,200 | 6,341 |
| Average earning assets | $55,004,400 | 6,336 |
| Average equity | $6,442,600 | 6,446 |
| Average total loans | $47,118,400 | 5,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3439% | 1,040 |
| Cost of funding earning assets | 1.4679% | 5,967 |
| Net interest margin | 4.8759% | 583 |
| Noninterest income to average assets | 1.1722% | 1,140 |
| Noninterest expense to average assets | 4.9880% | 493 |
| Loan and lease loss provision to assets | 0.8664% | 2,217 |
| Net operating income to assets | -0.4786% | 6,405 |
| Return on assets (ROA) | -0.4432% | 6,371 |
| Pretax return on assets | -0.2304% | 6,020 |
| Return on Equity (ROE) | -4.1058% | 6,350 |
| Retained earnings to average equity (ytd only) | -4.1058% | 6,124 |
| Net charge-offs to loans | 0.3755% | 3,769 |
| Credit loss provision to net charge-offs | 289.6296% | 1,434 |
| Earnings coverage of net charge-offs (x) | 2.0073% | 4,315 |
| Efficiency ratio | 89.2546% | 1,757 |
| Assets per employee ($millions) | 2.0116% | 7,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2228% | 1,381 |
| Loan loss allowance to noncurrent loans | 76.0300% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.2579% | 3,033 |
| Noncurrent loans to loans | 2.9235% | 2,611 |
| Net loans and leases to total assets | 71.5999% | 3,130 |
| Net loans and leases to deposits | 80.3618% | 4,326 |
| Net loans and leases to core deposits | 112.5028% | 2,970 |
| Total domestic deposits to total assets | 89.0970% | 1,157 |
| Equity capital to assets | 10.2231% | 3,823 |
| Core capital (leverage) ratio | 10.1732% | 3,090 |
| Tier 1 risk-based capital ratio | 13.3792% | 3,944 |
| Total risk-based capital ratio | 14.6399% | 3,872 |
| Memoranda: | ||
| Average total assets | $60,169,750 | 6,383 |
| Average earning assets | $54,497,500 | 6,401 |
| Average equity | $6,494,750 | 6,487 |
| Average total loans | $47,936,000 | 5,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5418% | 748 |
| Cost of funding earning assets | 1.5044% | 6,120 |
| Net interest margin | 5.0374% | 397 |
| Noninterest income to average assets | 0.9926% | 1,615 |
| Noninterest expense to average assets | 5.5956% | 366 |
| Loan and lease loss provision to assets | 0.2288% | 4,750 |
| Net operating income to assets | -0.6864% | 6,738 |
| Return on assets (ROA) | -0.6326% | 6,692 |
| Pretax return on assets | -0.2826% | 6,220 |
| Return on Equity (ROE) | -5.7539% | 6,684 |
| Retained earnings to average equity (ytd only) | -5.7539% | 6,411 |
| Net charge-offs to loans | 0.4272% | 3,091 |
| Credit loss provision to net charge-offs | 65.3846% | 5,502 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 5,959 |
| Efficiency ratio | 101.9620% | 1,097 |
| Assets per employee ($millions) | 1.9160% | 7,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 3,060 |
| Loan loss allowance to noncurrent loans | 158.9011% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 5,206 |
| Noncurrent loans to loans | 0.9599% | 5,304 |
| Net loans and leases to total assets | 78.5831% | 1,621 |
| Net loans and leases to deposits | 88.7258% | 3,051 |
| Net loans and leases to core deposits | 125.2711% | 1,927 |
| Total domestic deposits to total assets | 88.5684% | 1,497 |
| Equity capital to assets | 10.6824% | 3,220 |
| Core capital (leverage) ratio | 10.1483% | 3,146 |
| Tier 1 risk-based capital ratio | 13.1511% | 4,036 |
| Total risk-based capital ratio | 14.4046% | 3,955 |
| Memoranda: | ||
| Average total assets | $59,440,000 | 6,465 |
| Average earning assets | $53,043,330 | 6,510 |
| Average equity | $6,534,670 | 6,522 |
| Average total loans | $48,693,330 | 5,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3786% | 1,114 |
| Cost of funding earning assets | 1.4829% | 6,458 |
| Net interest margin | 4.8957% | 506 |
| Noninterest income to average assets | 0.9014% | 1,845 |
| Noninterest expense to average assets | 3.6595% | 1,731 |
| Loan and lease loss provision to assets | 0.1480% | 5,044 |
| Net operating income to assets | 1.0053% | 2,291 |
| Return on assets (ROA) | 1.0763% | 2,179 |
| Pretax return on assets | 1.6212% | 1,357 |
| Return on Equity (ROE) | 9.6538% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.6538% | 1,296 |
| Net charge-offs to loans | 0.2108% | 3,372 |
| Credit loss provision to net charge-offs | 84.6154% | 4,114 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,056 |
| Efficiency ratio | 68.7737% | 4,823 |
| Assets per employee ($millions) | 2.0030% | 7,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 3,112 |
| Loan loss allowance to noncurrent loans | 401.5957% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 6,246 |
| Noncurrent loans to loans | 0.3675% | 6,505 |
| Net loans and leases to total assets | 81.1608% | 1,169 |
| Net loans and leases to deposits | 91.6641% | 2,654 |
| Net loans and leases to core deposits | 128.1591% | 1,773 |
| Total domestic deposits to total assets | 88.5416% | 1,463 |
| Equity capital to assets | 10.7965% | 3,188 |
| Core capital (leverage) ratio | 11.1052% | 2,422 |
| Tier 1 risk-based capital ratio | 12.8863% | 4,264 |
| Total risk-based capital ratio | 14.1392% | 4,185 |
| Memoranda: | ||
| Average total assets | $59,461,500 | 6,489 |
| Average earning assets | $53,679,500 | 6,517 |
| Average equity | $6,629,500 | 6,538 |
| Average total loans | $49,340,500 | 5,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0502% | 1,010 |
| Cost of funding earning assets | 1.8651% | 6,837 |
| Net interest margin | 5.1851% | 350 |
| Noninterest income to average assets | 1.0220% | 1,515 |
| Noninterest expense to average assets | 4.3414% | 1,001 |
| Loan and lease loss provision to assets | 0.2154% | 4,735 |
| Net operating income to assets | 0.8404% | 3,264 |
| Return on assets (ROA) | 0.8428% | 3,086 |
| Pretax return on assets | 1.2409% | 2,511 |
| Return on Equity (ROE) | 7.5769% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.2217% | 1,902 |
| Net charge-offs to loans | 0.6523% | 1,903 |
| Credit loss provision to net charge-offs | 40.7166% | 6,447 |
| Earnings coverage of net charge-offs (x) | 2.7459% | 4,710 |
| Efficiency ratio | 74.9256% | 3,412 |
| Assets per employee ($millions) | 2.0296% | 7,895 |
| Cash dividends to net income (ytd only)* | 31.0838% | 4,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,255 |
| Loan loss allowance to noncurrent loans | 99.0862% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 3,266 |
| Noncurrent loans to loans | 1.6116% | 3,352 |
| Net loans and leases to total assets | 82.3013% | 1,173 |
| Net loans and leases to deposits | 93.8856% | 2,786 |
| Net loans and leases to core deposits | 127.1469% | 2,069 |
| Total domestic deposits to total assets | 87.6612% | 1,630 |
| Equity capital to assets | 11.5346% | 2,616 |
| Core capital (leverage) ratio | 11.3537% | 2,338 |
| Tier 1 risk-based capital ratio | 13.5969% | 3,764 |
| Total risk-based capital ratio | 14.8513% | 3,667 |
| Memoranda: | ||
| Average total assets | $58,023,400 | 6,454 |
| Average earning assets | $53,403,000 | 6,444 |
| Average equity | $6,453,800 | 6,654 |
| Average total loans | $47,063,000 | 5,821 |