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 | 4.8415% | 2,393 |
| Cost of funding earning assets | 1.6226% | 1,631 |
| Net interest margin | 3.2188% | 2,835 |
| Noninterest income to average assets | 1.0900% | 557 |
| Noninterest expense to average assets | 2.6809% | 1,792 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3651% | 1,290 |
| Return on assets (ROA) | 1.3651% | 1,256 |
| Pretax return on assets | 1.3651% | 1,710 |
| Return on Equity (ROE) | 19.4500% | 663 |
| Retained earnings to average equity (ytd only) | 2.7256% | 3,370 |
| Net charge-offs to loans | -0.1069% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4629% | 2,418 |
| Assets per employee ($millions) | 5.0879% | 3,569 |
| Cash dividends to net income (ytd only)* | 85.9845% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,590 |
| Loan loss allowance to noncurrent loans | 398.1013% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 2,313 |
| Noncurrent loans to loans | 0.2346% | 2,374 |
| Net loans and leases to total assets | 77.1300% | 963 |
| Net loans and leases to deposits | 90.4436% | 1,230 |
| Net loans and leases to core deposits | 103.1663% | 1,263 |
| Total domestic deposits to total assets | 85.2800% | 2,216 |
| Equity capital to assets | 7.3548% | 3,790 |
| Core capital (leverage) ratio | 9.3769% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,391,600 | 3,191 |
| Average earning assets | $159,249,600 | 3,174 |
| Average equity | $11,960,800 | 3,529 |
| Average total loans | $130,977,400 | 2,852 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 2,351 |
| Cost of funding earning assets | 1.5320% | 1,529 |
| Net interest margin | 3.2283% | 2,855 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 2.7241% | 1,596 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2269% | 1,709 |
| Return on assets (ROA) | 1.2269% | 1,706 |
| Pretax return on assets | 1.2269% | 2,235 |
| Return on Equity (ROE) | 17.6900% | 987 |
| Retained earnings to average equity (ytd only) | 0.7023% | 4,006 |
| Net charge-offs to loans | -0.1343% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0267% | 2,013 |
| Assets per employee ($millions) | 5.3445% | 3,309 |
| Cash dividends to net income (ytd only)* | 96.0307% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 3,725 |
| Loan loss allowance to noncurrent loans | 387.7358% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,384 |
| Noncurrent loans to loans | 0.2327% | 2,419 |
| Net loans and leases to total assets | 76.7900% | 1,018 |
| Net loans and leases to deposits | 93.6981% | 920 |
| Net loans and leases to core deposits | 107.4250% | 958 |
| Total domestic deposits to total assets | 81.9500% | 3,219 |
| Equity capital to assets | 6.3004% | 3,895 |
| Core capital (leverage) ratio | 9.1585% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $169,742,500 | 3,201 |
| Average earning assets | $158,303,000 | 3,190 |
| Average equity | $11,770,250 | 3,545 |
| Average total loans | $130,050,750 | 2,862 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 2,251 |
| Cost of funding earning assets | 1.3467% | 1,593 |
| Net interest margin | 3.3314% | 2,681 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 2.7971% | 1,421 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2451% | 1,707 |
| Return on assets (ROA) | 1.2451% | 1,704 |
| Pretax return on assets | 1.2451% | 2,239 |
| Return on Equity (ROE) | 17.4000% | 1,032 |
| Retained earnings to average equity (ytd only) | 0.7173% | 3,954 |
| Net charge-offs to loans | -0.1830% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.2493% | 1,955 |
| Assets per employee ($millions) | 4.6685% | 3,845 |
| Cash dividends to net income (ytd only)* | 95.8773% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,742 |
| Loan loss allowance to noncurrent loans | 378.2609% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,260 |
| Noncurrent loans to loans | 0.2412% | 2,295 |
| Net loans and leases to total assets | 76.5800% | 991 |
| Net loans and leases to deposits | 93.3817% | 916 |
| Net loans and leases to core deposits | 107.2597% | 938 |
| Total domestic deposits to total assets | 82.0100% | 3,231 |
| Equity capital to assets | 6.9570% | 3,819 |
| Core capital (leverage) ratio | 9.3068% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $167,533,333 | 3,227 |
| Average earning assets | $156,088,333 | 3,219 |
| Average equity | $11,989,667 | 3,538 |
| Average total loans | $127,845,000 | 2,874 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 1,980 |
| Cost of funding earning assets | 1.0831% | 1,798 |
| Net interest margin | 3.5619% | 2,216 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 2.9442% | 1,151 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3290% | 1,592 |
| Return on assets (ROA) | 1.3290% | 1,565 |
| Pretax return on assets | 1.3290% | 2,089 |
| Return on Equity (ROE) | 18.3000% | 985 |
| Retained earnings to average equity (ytd only) | 1.6032% | 3,766 |
| Net charge-offs to loans | -0.3903% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0112% | 1,974 |
| Assets per employee ($millions) | 4.4443% | 4,053 |
| Cash dividends to net income (ytd only)* | 91.2409% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,768 |
| Loan loss allowance to noncurrent loans | 388.0259% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,234 |
| Noncurrent loans to loans | 0.2406% | 2,297 |
| Net loans and leases to total assets | 75.3500% | 1,041 |
| Net loans and leases to deposits | 95.1295% | 712 |
| Net loans and leases to core deposits | 101.5814% | 1,022 |
| Total domestic deposits to total assets | 79.2100% | 3,877 |
| Equity capital to assets | 7.1718% | 3,747 |
| Core capital (leverage) ratio | 9.7689% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $164,933,500 | 3,295 |
| Average earning assets | $153,626,000 | 3,284 |
| Average equity | $11,976,000 | 3,573 |
| Average total loans | $125,020,000 | 2,932 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 2,212 |
| Cost of funding earning assets | 0.3916% | 2,161 |
| Net interest margin | 3.4324% | 2,146 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 2.9236% | 1,087 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2881% | 1,477 |
| Return on assets (ROA) | 1.2881% | 1,434 |
| Pretax return on assets | 1.2881% | 2,130 |
| Return on Equity (ROE) | 16.7100% | 918 |
| Retained earnings to average equity (ytd only) | 2.5754% | 3,828 |
| Net charge-offs to loans | 0.1365% | 588 |
| Credit loss provision to net charge-offs | 54.0373% | 1,804 |
| Earnings coverage of net charge-offs (x) | 14.1242% | 2,046 |
| Efficiency ratio | 68.5825% | 1,893 |
| Assets per employee ($millions) | 4.2364% | 4,179 |
| Cash dividends to net income (ytd only)* | 84.5908% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 3,878 |
| Loan loss allowance to noncurrent loans | 1,254.7619% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,282 |
| Noncurrent loans to loans | 0.0691% | 3,258 |
| Net loans and leases to total assets | 74.8800% | 1,140 |
| Net loans and leases to deposits | 87.3412% | 1,218 |
| Net loans and leases to core deposits | 92.0109% | 1,392 |
| Total domestic deposits to total assets | 85.7300% | 2,797 |
| Equity capital to assets | 7.3548% | 3,461 |
| Core capital (leverage) ratio | 9.9751% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $169,791,000 | 3,270 |
| Average earning assets | $158,841,200 | 3,256 |
| Average equity | $13,085,400 | 3,561 |
| Average total loans | $117,963,600 | 2,944 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 1,992 |
| Cost of funding earning assets | 0.3262% | 1,898 |
| Net interest margin | 3.3896% | 2,006 |
| Noninterest income to average assets | 1.0400% | 625 |
| Noninterest expense to average assets | 2.9047% | 1,045 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2628% | 1,481 |
| Return on assets (ROA) | 1.2628% | 1,448 |
| Pretax return on assets | 1.2628% | 2,167 |
| Return on Equity (ROE) | 16.2100% | 937 |
| Retained earnings to average equity (ytd only) | 4.7672% | 3,173 |
| Net charge-offs to loans | 0.0399% | 1,096 |
| Credit loss provision to net charge-offs | 174.2857% | 1,050 |
| Earnings coverage of net charge-offs (x) | 48.2857% | 1,306 |
| Efficiency ratio | 68.9167% | 1,894 |
| Assets per employee ($millions) | 4.2239% | 4,206 |
| Cash dividends to net income (ytd only)* | 70.5955% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,577 |
| Loan loss allowance to noncurrent loans | 568.4729% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 2,725 |
| Noncurrent loans to loans | 0.1724% | 2,732 |
| Net loans and leases to total assets | 72.6600% | 1,216 |
| Net loans and leases to deposits | 83.9564% | 1,303 |
| Net loans and leases to core deposits | 86.3458% | 1,512 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 6.8569% | 3,587 |
| Core capital (leverage) ratio | 9.8931% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $171,993,000 | 3,282 |
| Average earning assets | $161,037,500 | 3,260 |
| Average equity | $13,396,750 | 3,571 |
| Average total loans | $117,056,750 | 2,962 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 1,889 |
| Cost of funding earning assets | 0.3209% | 1,520 |
| Net interest margin | 3.2634% | 2,017 |
| Noninterest income to average assets | 1.0124% | 646 |
| Noninterest expense to average assets | 2.8108% | 1,155 |
| Loan and lease loss provision to assets | 0.0523% | 1,642 |
| Net operating income to assets | 1.2035% | 1,416 |
| Return on assets (ROA) | 1.2035% | 1,400 |
| Pretax return on assets | 1.2035% | 2,069 |
| Return on Equity (ROE) | 14.9081% | 914 |
| Retained earnings to average equity (ytd only) | 8.5672% | 1,409 |
| Net charge-offs to loans | 0.0377% | 1,006 |
| Credit loss provision to net charge-offs | 209.0909% | 948 |
| Earnings coverage of net charge-offs (x) | 50.1818% | 1,156 |
| Efficiency ratio | 69.1189% | 2,087 |
| Assets per employee ($millions) | 4.6080% | 4,000 |
| Cash dividends to net income (ytd only)* | 42.5331% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,709 |
| Loan loss allowance to noncurrent loans | 500.8696% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 2,792 |
| Noncurrent loans to loans | 0.1945% | 2,734 |
| Net loans and leases to total assets | 66.8888% | 1,597 |
| Net loans and leases to deposits | 82.5428% | 1,209 |
| Net loans and leases to core deposits | 85.6634% | 1,364 |
| Total domestic deposits to total assets | 81.0353% | 4,128 |
| Equity capital to assets | 7.2426% | 3,634 |
| Core capital (leverage) ratio | 9.3519% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,820,667 | 3,280 |
| Average earning assets | $164,554,333 | 3,274 |
| Average equity | $14,193,667 | 3,566 |
| Average total loans | $116,816,667 | 2,977 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 1,811 |
| Cost of funding earning assets | 0.3170% | 1,491 |
| Net interest margin | 3.1826% | 1,935 |
| Noninterest income to average assets | 1.0149% | 659 |
| Noninterest expense to average assets | 2.8516% | 1,058 |
| Loan and lease loss provision to assets | 0.0704% | 1,169 |
| Net operating income to assets | 1.0784% | 1,591 |
| Return on assets (ROA) | 1.0784% | 1,587 |
| Pretax return on assets | 1.0784% | 2,214 |
| Return on Equity (ROE) | 12.7095% | 1,108 |
| Retained earnings to average equity (ytd only) | 0.6689% | 3,884 |
| Net charge-offs to loans | 0.0413% | 866 |
| Credit loss provision to net charge-offs | 258.3333% | 710 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 990 |
| Efficiency ratio | 71.2826% | 2,071 |
| Assets per employee ($millions) | 4.4572% | 4,164 |
| Cash dividends to net income (ytd only)* | 94.7368% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,813 |
| Loan loss allowance to noncurrent loans | 503.0702% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 2,903 |
| Noncurrent loans to loans | 0.1938% | 2,845 |
| Net loans and leases to total assets | 65.3478% | 1,480 |
| Net loans and leases to deposits | 81.0942% | 1,069 |
| Net loans and leases to core deposits | 84.7269% | 1,206 |
| Total domestic deposits to total assets | 80.5826% | 4,242 |
| Equity capital to assets | 7.9309% | 3,622 |
| Core capital (leverage) ratio | 9.2377% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,179,000 | 3,291 |
| Average earning assets | $165,276,000 | 3,276 |
| Average equity | $14,949,500 | 3,568 |
| Average total loans | $116,086,500 | 2,981 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 2,361 |
| Cost of funding earning assets | 0.3704% | 1,750 |
| Net interest margin | 3.2399% | 2,487 |
| Noninterest income to average assets | 1.1427% | 806 |
| Noninterest expense to average assets | 2.9052% | 1,139 |
| Loan and lease loss provision to assets | 0.0669% | 1,733 |
| Net operating income to assets | 1.1869% | 1,964 |
| Return on assets (ROA) | 1.1869% | 2,035 |
| Pretax return on assets | 1.1869% | 2,706 |
| Return on Equity (ROE) | 12.9802% | 1,475 |
| Retained earnings to average equity (ytd only) | 7.0979% | 1,885 |
| Net charge-offs to loans | 0.0432% | 1,416 |
| Credit loss provision to net charge-offs | 233.3333% | 1,214 |
| Earnings coverage of net charge-offs (x) | 43.7083% | 1,385 |
| Efficiency ratio | 69.8520% | 1,750 |
| Assets per employee ($millions) | 4.2456% | 4,301 |
| Cash dividends to net income (ytd only)* | 45.3172% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,809 |
| Loan loss allowance to noncurrent loans | 468.0498% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,970 |
| Noncurrent loans to loans | 0.2104% | 2,904 |
| Net loans and leases to total assets | 65.1408% | 1,563 |
| Net loans and leases to deposits | 82.2078% | 1,047 |
| Net loans and leases to core deposits | 85.8813% | 1,209 |
| Total domestic deposits to total assets | 79.2393% | 4,290 |
| Equity capital to assets | 9.0533% | 3,564 |
| Core capital (leverage) ratio | 9.3042% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,322,400 | 3,325 |
| Average earning assets | $155,775,200 | 3,320 |
| Average equity | $15,300,200 | 3,606 |
| Average total loans | $111,188,400 | 3,061 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 2,493 |
| Cost of funding earning assets | 0.3820% | 1,841 |
| Net interest margin | 3.2405% | 2,608 |
| Noninterest income to average assets | 1.1575% | 851 |
| Noninterest expense to average assets | 2.9357% | 1,067 |
| Loan and lease loss provision to assets | 0.0652% | 1,695 |
| Net operating income to assets | 1.1680% | 2,284 |
| Return on assets (ROA) | 1.1680% | 2,347 |
| Pretax return on assets | 1.1680% | 3,026 |
| Return on Equity (ROE) | 12.7399% | 1,786 |
| Retained earnings to average equity (ytd only) | 4.8378% | 3,277 |
| Net charge-offs to loans | 0.0423% | 1,255 |
| Credit loss provision to net charge-offs | 231.4286% | 1,142 |
| Earnings coverage of net charge-offs (x) | 43.7714% | 1,309 |
| Efficiency ratio | 70.4190% | 1,559 |
| Assets per employee ($millions) | 4.1550% | 4,361 |
| Cash dividends to net income (ytd only)* | 62.0262% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,875 |
| Loan loss allowance to noncurrent loans | 484.7162% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 3,217 |
| Noncurrent loans to loans | 0.2047% | 3,135 |
| Net loans and leases to total assets | 65.0023% | 1,655 |
| Net loans and leases to deposits | 82.3322% | 1,086 |
| Net loans and leases to core deposits | 85.4385% | 1,326 |
| Total domestic deposits to total assets | 78.9513% | 4,342 |
| Equity capital to assets | 9.0457% | 3,784 |
| Core capital (leverage) ratio | 9.1831% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,635,750 | 3,371 |
| Average earning assets | $153,923,500 | 3,366 |
| Average equity | $15,185,500 | 3,662 |
| Average total loans | $110,356,000 | 3,111 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 2,519 |
| Cost of funding earning assets | 0.3931% | 1,944 |
| Net interest margin | 3.2409% | 2,637 |
| Noninterest income to average assets | 1.1691% | 839 |
| Noninterest expense to average assets | 2.9550% | 1,060 |
| Loan and lease loss provision to assets | 0.0646% | 1,750 |
| Net operating income to assets | 1.1544% | 2,351 |
| Return on assets (ROA) | 1.1544% | 2,410 |
| Pretax return on assets | 1.1544% | 3,046 |
| Return on Equity (ROE) | 12.5342% | 1,875 |
| Retained earnings to average equity (ytd only) | 0.6221% | 4,410 |
| Net charge-offs to loans | 0.0382% | 1,250 |
| Credit loss provision to net charge-offs | 252.3810% | 963 |
| Earnings coverage of net charge-offs (x) | 47.6190% | 1,089 |
| Efficiency ratio | 70.7944% | 1,544 |
| Assets per employee ($millions) | 4.8027% | 3,835 |
| Cash dividends to net income (ytd only)* | 95.0370% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,722 |
| Loan loss allowance to noncurrent loans | 476.5217% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 3,350 |
| Noncurrent loans to loans | 0.2160% | 3,184 |
| Net loans and leases to total assets | 60.9635% | 2,313 |
| Net loans and leases to deposits | 76.7183% | 1,750 |
| Net loans and leases to core deposits | 79.7030% | 1,908 |
| Total domestic deposits to total assets | 79.4641% | 4,295 |
| Equity capital to assets | 8.7243% | 4,028 |
| Core capital (leverage) ratio | 9.0992% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,062,000 | 3,394 |
| Average earning assets | $152,120,333 | 3,391 |
| Average equity | $15,110,667 | 3,673 |
| Average total loans | $109,859,333 | 3,131 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 2,230 |
| Cost of funding earning assets | 0.4061% | 2,047 |
| Net interest margin | 3.3487% | 2,255 |
| Noninterest income to average assets | 1.2027% | 852 |
| Noninterest expense to average assets | 3.0919% | 850 |
| Loan and lease loss provision to assets | 0.0702% | 1,757 |
| Net operating income to assets | 1.1400% | 2,356 |
| Return on assets (ROA) | 1.1400% | 2,421 |
| Pretax return on assets | 1.1400% | 3,012 |
| Return on Equity (ROE) | 12.0339% | 1,999 |
| Retained earnings to average equity (ytd only) | 0.1322% | 4,353 |
| Net charge-offs to loans | 0.0251% | 1,253 |
| Credit loss provision to net charge-offs | 400.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 761 |
| Efficiency ratio | 71.8695% | 1,510 |
| Assets per employee ($millions) | 4.0539% | 4,443 |
| Cash dividends to net income (ytd only)* | 98.9011% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,965 |
| Loan loss allowance to noncurrent loans | 446.5021% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,417 |
| Noncurrent loans to loans | 0.2173% | 3,327 |
| Net loans and leases to total assets | 68.2857% | 1,493 |
| Net loans and leases to deposits | 87.3224% | 869 |
| Net loans and leases to core deposits | 91.2004% | 1,158 |
| Total domestic deposits to total assets | 78.1995% | 4,418 |
| Equity capital to assets | 9.2620% | 3,431 |
| Core capital (leverage) ratio | 9.7785% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,644,500 | 3,441 |
| Average earning assets | $147,758,500 | 3,445 |
| Average equity | $15,124,000 | 3,671 |
| Average total loans | $111,539,000 | 3,106 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 2,157 |
| Cost of funding earning assets | 0.5666% | 2,527 |
| Net interest margin | 3.6263% | 2,054 |
| Noninterest income to average assets | 1.6148% | 476 |
| Noninterest expense to average assets | 3.2646% | 948 |
| Loan and lease loss provision to assets | 0.0785% | 3,398 |
| Net operating income to assets | 1.5238% | 760 |
| Return on assets (ROA) | 1.5218% | 830 |
| Pretax return on assets | 1.5218% | 1,262 |
| Return on Equity (ROE) | 15.5904% | 554 |
| Retained earnings to average equity (ytd only) | 9.7761% | 630 |
| Net charge-offs to loans | 0.1010% | 1,462 |
| Credit loss provision to net charge-offs | 112.2642% | 2,705 |
| Earnings coverage of net charge-offs (x) | 22.9057% | 1,832 |
| Efficiency ratio | 67.0780% | 2,351 |
| Assets per employee ($millions) | 4.2468% | 4,179 |
| Cash dividends to net income (ytd only)* | 37.2940% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,013 |
| Loan loss allowance to noncurrent loans | 386.9091% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,403 |
| Noncurrent loans to loans | 0.2472% | 3,311 |
| Net loans and leases to total assets | 70.1315% | 1,546 |
| Net loans and leases to deposits | 90.5415% | 887 |
| Net loans and leases to core deposits | 97.5834% | 1,031 |
| Total domestic deposits to total assets | 77.4578% | 4,370 |
| Equity capital to assets | 9.6919% | 3,419 |
| Core capital (leverage) ratio | 9.9359% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,533,400 | 3,387 |
| Average earning assets | $135,895,600 | 3,431 |
| Average equity | $14,791,200 | 3,671 |
| Average total loans | $104,939,000 | 3,167 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 2,144 |
| Cost of funding earning assets | 0.5956% | 2,639 |
| Net interest margin | 3.6899% | 1,977 |
| Noninterest income to average assets | 1.7309% | 391 |
| Noninterest expense to average assets | 3.3125% | 892 |
| Loan and lease loss provision to assets | 0.0693% | 3,462 |
| Net operating income to assets | 1.6394% | 663 |
| Return on assets (ROA) | 1.6394% | 732 |
| Pretax return on assets | 1.6394% | 1,088 |
| Return on Equity (ROE) | 16.7642% | 469 |
| Retained earnings to average equity (ytd only) | 12.8138% | 346 |
| Net charge-offs to loans | 0.1187% | 1,175 |
| Credit loss provision to net charge-offs | 84.7826% | 2,731 |
| Earnings coverage of net charge-offs (x) | 20.9130% | 1,885 |
| Efficiency ratio | 65.9710% | 2,468 |
| Assets per employee ($millions) | 3.7827% | 4,488 |
| Cash dividends to net income (ytd only)* | 23.5645% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,800 |
| Loan loss allowance to noncurrent loans | 381.2500% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,532 |
| Noncurrent loans to loans | 0.2559% | 3,388 |
| Net loans and leases to total assets | 69.5577% | 2,020 |
| Net loans and leases to deposits | 90.8185% | 1,179 |
| Net loans and leases to core deposits | 96.4630% | 1,417 |
| Total domestic deposits to total assets | 76.5898% | 4,371 |
| Equity capital to assets | 10.0280% | 3,207 |
| Core capital (leverage) ratio | 10.1143% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,133,750 | 3,388 |
| Average earning assets | $133,876,500 | 3,450 |
| Average equity | $14,681,750 | 3,686 |
| Average total loans | $103,358,000 | 3,196 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 2,230 |
| Cost of funding earning assets | 0.6290% | 2,819 |
| Net interest margin | 3.7633% | 1,949 |
| Noninterest income to average assets | 1.9634% | 296 |
| Noninterest expense to average assets | 3.3885% | 869 |
| Loan and lease loss provision to assets | 0.0614% | 3,533 |
| Net operating income to assets | 1.8458% | 457 |
| Return on assets (ROA) | 1.8458% | 502 |
| Pretax return on assets | 1.8458% | 745 |
| Return on Equity (ROE) | 19.0384% | 302 |
| Retained earnings to average equity (ytd only) | 19.0384% | 102 |
| Net charge-offs to loans | 0.1660% | 898 |
| Credit loss provision to net charge-offs | 54.1176% | 2,605 |
| Earnings coverage of net charge-offs (x) | 16.8000% | 1,843 |
| Efficiency ratio | 63.9849% | 2,827 |
| Assets per employee ($millions) | 3.7002% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,745 |
| Loan loss allowance to noncurrent loans | 362.7240% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,589 |
| Noncurrent loans to loans | 0.2656% | 3,429 |
| Net loans and leases to total assets | 70.3014% | 1,987 |
| Net loans and leases to deposits | 92.4298% | 1,108 |
| Net loans and leases to core deposits | 98.4865% | 1,372 |
| Total domestic deposits to total assets | 76.0592% | 4,422 |
| Equity capital to assets | 10.2637% | 2,956 |
| Core capital (leverage) ratio | 10.0475% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,743,000 | 3,361 |
| Average earning assets | $132,597,000 | 3,438 |
| Average equity | $14,518,000 | 3,703 |
| Average total loans | $102,383,333 | 3,199 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,192 |
| Cost of funding earning assets | 0.6764% | 3,029 |
| Net interest margin | 3.8634% | 1,783 |
| Noninterest income to average assets | 2.6080% | 183 |
| Noninterest expense to average assets | 3.5004% | 938 |
| Loan and lease loss provision to assets | 0.0717% | 2,837 |
| Net operating income to assets | 2.4035% | 130 |
| Return on assets (ROA) | 2.4035% | 139 |
| Pretax return on assets | 2.4035% | 198 |
| Return on Equity (ROE) | 25.5262% | 58 |
| Retained earnings to average equity (ytd only) | 25.5262% | 27 |
| Net charge-offs to loans | 0.3365% | 429 |
| Credit loss provision to net charge-offs | 31.7647% | 2,148 |
| Earnings coverage of net charge-offs (x) | 10.9647% | 1,743 |
| Efficiency ratio | 58.5778% | 3,930 |
| Assets per employee ($millions) | 3.7882% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,846 |
| Loan loss allowance to noncurrent loans | 315.2381% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 3,222 |
| Noncurrent loans to loans | 0.3076% | 3,400 |
| Net loans and leases to total assets | 68.6510% | 2,444 |
| Net loans and leases to deposits | 89.8656% | 1,527 |
| Net loans and leases to core deposits | 105.0710% | 1,113 |
| Total domestic deposits to total assets | 76.3930% | 4,432 |
| Equity capital to assets | 9.9506% | 3,837 |
| Core capital (leverage) ratio | 10.2918% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,611,000 | 3,316 |
| Average earning assets | $131,284,500 | 3,429 |
| Average equity | $14,181,500 | 3,750 |
| Average total loans | $101,043,500 | 3,212 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,340 |
| Cost of funding earning assets | 1.0370% | 1,571 |
| Net interest margin | 3.6589% | 2,929 |
| Noninterest income to average assets | 1.5548% | 384 |
| Noninterest expense to average assets | 3.4770% | 999 |
| Loan and lease loss provision to assets | -0.2529% | 5,135 |
| Net operating income to assets | 1.6389% | 759 |
| Return on assets (ROA) | 1.6356% | 812 |
| Pretax return on assets | 1.6356% | 1,386 |
| Return on Equity (ROE) | 19.6290% | 231 |
| Retained earnings to average equity (ytd only) | 9.6953% | 550 |
| Net charge-offs to loans | 0.1094% | 1,639 |
| Credit loss provision to net charge-offs | -353.7037% | 4,376 |
| Earnings coverage of net charge-offs (x) | 19.3796% | 2,002 |
| Efficiency ratio | 71.5005% | 1,942 |
| Assets per employee ($millions) | 3.8371% | 4,113 |
| Cash dividends to net income (ytd only)* | 50.6073% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,194 |
| Loan loss allowance to noncurrent loans | 278.7798% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 3,460 |
| Noncurrent loans to loans | 0.3783% | 3,081 |
| Net loans and leases to total assets | 64.2538% | 3,163 |
| Net loans and leases to deposits | 86.4964% | 2,027 |
| Net loans and leases to core deposits | 100.4953% | 1,521 |
| Total domestic deposits to total assets | 74.2849% | 4,758 |
| Equity capital to assets | 8.9014% | 4,734 |
| Core capital (leverage) ratio | 8.8707% | 4,624 |
| Tier 1 risk-based capital ratio | 14.7892% | 2,870 |
| Total risk-based capital ratio | 15.9244% | 2,828 |
| Memoranda: | ||
| Average total assets | $151,019,200 | 3,288 |
| Average earning assets | $136,542,400 | 3,332 |
| Average equity | $12,583,400 | 3,926 |
| Average total loans | $98,751,800 | 3,241 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,266 |
| Cost of funding earning assets | 1.1068% | 1,324 |
| Net interest margin | 3.6448% | 3,112 |
| Noninterest income to average assets | 1.5487% | 379 |
| Noninterest expense to average assets | 3.6541% | 795 |
| Loan and lease loss provision to assets | 0.0860% | 2,196 |
| Net operating income to assets | 1.0957% | 2,586 |
| Return on assets (ROA) | 1.0913% | 2,697 |
| Pretax return on assets | 1.0913% | 3,318 |
| Return on Equity (ROE) | 13.3289% | 1,167 |
| Retained earnings to average equity (ytd only) | 4.6667% | 3,075 |
| Net charge-offs to loans | 0.1042% | 1,429 |
| Credit loss provision to net charge-offs | 125.9740% | 1,870 |
| Earnings coverage of net charge-offs (x) | 17.3124% | 2,094 |
| Efficiency ratio | 75.5637% | 1,380 |
| Assets per employee ($millions) | 3.6162% | 4,373 |
| Cash dividends to net income (ytd only)* | 64.9879% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,090 |
| Loan loss allowance to noncurrent loans | 102.5624% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 1,303 |
| Noncurrent loans to loans | 1.5203% | 990 |
| Net loans and leases to total assets | 66.4720% | 2,994 |
| Net loans and leases to deposits | 85.6366% | 2,242 |
| Net loans and leases to core deposits | 104.7321% | 1,282 |
| Total domestic deposits to total assets | 77.6210% | 4,422 |
| Equity capital to assets | 8.6569% | 4,944 |
| Core capital (leverage) ratio | 8.0507% | 5,106 |
| Tier 1 risk-based capital ratio | 14.0912% | 3,285 |
| Total risk-based capital ratio | 15.3460% | 3,188 |
| Memoranda: | ||
| Average total assets | $150,403,500 | 3,326 |
| Average earning assets | $135,641,250 | 3,377 |
| Average equity | $12,313,750 | 3,994 |
| Average total loans | $98,522,500 | 3,290 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,510 |
| Cost of funding earning assets | 1.0897% | 1,338 |
| Net interest margin | 3.5631% | 3,391 |
| Noninterest income to average assets | 1.5286% | 388 |
| Noninterest expense to average assets | 3.6316% | 817 |
| Loan and lease loss provision to assets | 0.0728% | 2,359 |
| Net operating income to assets | 1.0310% | 2,799 |
| Return on assets (ROA) | 1.0244% | 2,911 |
| Pretax return on assets | 1.0244% | 3,461 |
| Return on Equity (ROE) | 12.7512% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.7381% | 1,931 |
| Net charge-offs to loans | 0.1041% | 1,348 |
| Credit loss provision to net charge-offs | 107.8431% | 1,864 |
| Earnings coverage of net charge-offs (x) | 16.3529% | 1,935 |
| Efficiency ratio | 76.6909% | 1,308 |
| Assets per employee ($millions) | 3.5676% | 4,417 |
| Cash dividends to net income (ytd only)* | 47.1576% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,130 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 2,861 |
| Noncurrent loans to loans | 0.6215% | 2,399 |
| Net loans and leases to total assets | 65.3306% | 3,188 |
| Net loans and leases to deposits | 77.1532% | 3,232 |
| Net loans and leases to core deposits | 106.7711% | 1,193 |
| Total domestic deposits to total assets | 84.6764% | 2,611 |
| Equity capital to assets | 8.4496% | 5,063 |
| Core capital (leverage) ratio | 8.6225% | 4,896 |
| Tier 1 risk-based capital ratio | 14.2278% | 3,197 |
| Total risk-based capital ratio | 15.4826% | 3,107 |
| Memoranda: | ||
| Average total assets | $151,116,670 | 3,338 |
| Average earning assets | $136,004,000 | 3,393 |
| Average equity | $12,140,000 | 4,026 |
| Average total loans | $97,991,670 | 3,314 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 2,560 |
| Cost of funding earning assets | 1.1032% | 1,172 |
| Net interest margin | 3.4875% | 3,627 |
| Noninterest income to average assets | 1.4945% | 394 |
| Noninterest expense to average assets | 3.6137% | 832 |
| Loan and lease loss provision to assets | 0.0712% | 2,240 |
| Net operating income to assets | 0.9594% | 3,007 |
| Return on assets (ROA) | 0.9594% | 3,050 |
| Pretax return on assets | 0.9594% | 3,587 |
| Return on Equity (ROE) | 12.2564% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.2564% | 564 |
| Net charge-offs to loans | 0.0617% | 1,424 |
| Credit loss provision to net charge-offs | 180.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 26.0667% | 1,410 |
| Efficiency ratio | 77.8093% | 1,286 |
| Assets per employee ($millions) | 3.5627% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 1,081 |
| Loan loss allowance to noncurrent loans | 331.1301% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,346 |
| Noncurrent loans to loans | 0.4802% | 2,871 |
| Net loans and leases to total assets | 64.2280% | 3,259 |
| Net loans and leases to deposits | 76.2518% | 3,235 |
| Net loans and leases to core deposits | 106.5334% | 1,135 |
| Total domestic deposits to total assets | 84.2315% | 2,969 |
| Equity capital to assets | 8.2588% | 5,101 |
| Core capital (leverage) ratio | 8.5555% | 4,977 |
| Tier 1 risk-based capital ratio | 14.2948% | 3,195 |
| Total risk-based capital ratio | 15.5499% | 3,124 |
| Memoranda: | ||
| Average total assets | $151,754,500 | 3,367 |
| Average earning assets | $137,062,000 | 3,411 |
| Average equity | $11,879,500 | 4,074 |
| Average total loans | $97,269,000 | 3,360 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 2,467 |
| Cost of funding earning assets | 0.8640% | 1,250 |
| Net interest margin | 3.6329% | 3,274 |
| Noninterest income to average assets | 1.6823% | 341 |
| Noninterest expense to average assets | 3.7127% | 758 |
| Loan and lease loss provision to assets | 0.0743% | 2,644 |
| Net operating income to assets | 1.2217% | 2,080 |
| Return on assets (ROA) | 1.2223% | 2,069 |
| Pretax return on assets | 1.2223% | 2,807 |
| Return on Equity (ROE) | 16.1802% | 592 |
| Retained earnings to average equity (ytd only) | 0.2616% | 4,914 |
| Net charge-offs to loans | 0.1406% | 1,351 |
| Credit loss provision to net charge-offs | 85.8268% | 2,771 |
| Earnings coverage of net charge-offs (x) | 14.9764% | 2,353 |
| Efficiency ratio | 74.1260% | 1,610 |
| Assets per employee ($millions) | 3.4194% | 4,642 |
| Cash dividends to net income (ytd only)* | 98.3835% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,050 |
| Loan loss allowance to noncurrent loans | 365.1659% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 3,452 |
| Noncurrent loans to loans | 0.4356% | 2,976 |
| Net loans and leases to total assets | 61.9574% | 3,570 |
| Net loans and leases to deposits | 74.7003% | 3,443 |
| Net loans and leases to core deposits | 108.3523% | 1,097 |
| Total domestic deposits to total assets | 82.9413% | 3,347 |
| Equity capital to assets | 7.4093% | 5,290 |
| Core capital (leverage) ratio | 8.0600% | 5,222 |
| Tier 1 risk-based capital ratio | 13.8771% | 3,346 |
| Total risk-based capital ratio | 15.1321% | 3,269 |
| Memoranda: | ||
| Average total assets | $146,766,600 | 3,420 |
| Average earning assets | $134,382,400 | 3,434 |
| Average equity | $11,087,600 | 4,146 |
| Average total loans | $90,321,200 | 3,474 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 2,451 |
| Cost of funding earning assets | 0.7864% | 1,398 |
| Net interest margin | 3.6681% | 3,129 |
| Noninterest income to average assets | 1.7150% | 349 |
| Noninterest expense to average assets | 3.7602% | 698 |
| Loan and lease loss provision to assets | 0.0800% | 2,358 |
| Net operating income to assets | 1.2332% | 2,113 |
| Return on assets (ROA) | 1.2341% | 2,110 |
| Pretax return on assets | 1.2341% | 2,873 |
| Return on Equity (ROE) | 16.2526% | 653 |
| Retained earnings to average equity (ytd only) | 0.3270% | 4,985 |
| Net charge-offs to loans | 0.1549% | 1,064 |
| Credit loss provision to net charge-offs | 84.4660% | 2,477 |
| Earnings coverage of net charge-offs (x) | 13.8641% | 2,321 |
| Efficiency ratio | 74.1164% | 1,578 |
| Assets per employee ($millions) | 3.4647% | 4,602 |
| Cash dividends to net income (ytd only)* | 97.9880% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,009 |
| Loan loss allowance to noncurrent loans | 310.4628% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,324 |
| Noncurrent loans to loans | 0.5251% | 2,806 |
| Net loans and leases to total assets | 61.0726% | 3,741 |
| Net loans and leases to deposits | 72.1860% | 3,756 |
| Net loans and leases to core deposits | 101.5388% | 1,647 |
| Total domestic deposits to total assets | 84.6046% | 2,758 |
| Equity capital to assets | 6.8705% | 5,400 |
| Core capital (leverage) ratio | 8.2557% | 5,223 |
| Tier 1 risk-based capital ratio | 13.9512% | 3,398 |
| Total risk-based capital ratio | 15.2065% | 3,303 |
| Memoranda: | ||
| Average total assets | $144,989,500 | 3,479 |
| Average earning assets | $132,744,750 | 3,493 |
| Average equity | $11,009,250 | 4,194 |
| Average total loans | $88,682,000 | 3,534 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,364 |
| Cost of funding earning assets | 0.7268% | 1,490 |
| Net interest margin | 3.6892% | 2,972 |
| Noninterest income to average assets | 1.7165% | 350 |
| Noninterest expense to average assets | 3.7768% | 684 |
| Loan and lease loss provision to assets | 0.0954% | 2,021 |
| Net operating income to assets | 1.2210% | 2,094 |
| Return on assets (ROA) | 1.2224% | 2,087 |
| Pretax return on assets | 1.2224% | 2,864 |
| Return on Equity (ROE) | 15.5707% | 746 |
| Retained earnings to average equity (ytd only) | -0.3397% | 5,001 |
| Net charge-offs to loans | 0.1730% | 900 |
| Credit loss provision to net charge-offs | 90.6667% | 2,151 |
| Earnings coverage of net charge-offs (x) | 12.5067% | 2,200 |
| Efficiency ratio | 74.1527% | 1,688 |
| Assets per employee ($millions) | 3.2782% | 4,841 |
| Cash dividends to net income (ytd only)* | 102.1814% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 843 |
| Loan loss allowance to noncurrent loans | 311.0220% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 3,356 |
| Noncurrent loans to loans | 0.5582% | 2,743 |
| Net loans and leases to total assets | 59.5465% | 3,848 |
| Net loans and leases to deposits | 72.9018% | 3,642 |
| Net loans and leases to core deposits | 97.4085% | 1,931 |
| Total domestic deposits to total assets | 81.6805% | 3,819 |
| Equity capital to assets | 7.3041% | 5,421 |
| Core capital (leverage) ratio | 8.6152% | 5,027 |
| Tier 1 risk-based capital ratio | 14.7875% | 2,970 |
| Total risk-based capital ratio | 16.0444% | 2,899 |
| Memoranda: | ||
| Average total assets | $142,503,330 | 3,537 |
| Average earning assets | $130,435,670 | 3,547 |
| Average equity | $11,187,670 | 4,207 |
| Average total loans | $86,693,670 | 3,589 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,116 |
| Cost of funding earning assets | 0.7035% | 1,421 |
| Net interest margin | 3.7205% | 2,725 |
| Noninterest income to average assets | 1.7658% | 320 |
| Noninterest expense to average assets | 3.8744% | 608 |
| Loan and lease loss provision to assets | 0.1029% | 1,805 |
| Net operating income to assets | 1.1886% | 2,058 |
| Return on assets (ROA) | 1.1915% | 2,059 |
| Pretax return on assets | 1.1915% | 2,789 |
| Return on Equity (ROE) | 14.6393% | 869 |
| Retained earnings to average equity (ytd only) | -0.2808% | 4,831 |
| Net charge-offs to loans | 0.1078% | 1,131 |
| Credit loss provision to net charge-offs | 156.5217% | 1,209 |
| Earnings coverage of net charge-offs (x) | 19.6522% | 1,493 |
| Efficiency ratio | 75.0000% | 1,746 |
| Assets per employee ($millions) | 3.2172% | 4,982 |
| Cash dividends to net income (ytd only)* | 101.9185% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 776 |
| Loan loss allowance to noncurrent loans | 206.5703% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 2,693 |
| Noncurrent loans to loans | 0.8756% | 2,073 |
| Net loans and leases to total assets | 60.2875% | 3,724 |
| Net loans and leases to deposits | 69.4764% | 3,829 |
| Net loans and leases to core deposits | 92.1091% | 2,295 |
| Total domestic deposits to total assets | 86.7740% | 2,213 |
| Equity capital to assets | 7.8069% | 5,327 |
| Core capital (leverage) ratio | 8.7557% | 4,944 |
| Tier 1 risk-based capital ratio | 15.2920% | 2,739 |
| Total risk-based capital ratio | 16.5500% | 2,676 |
| Memoranda: | ||
| Average total assets | $139,995,000 | 3,605 |
| Average earning assets | $127,938,500 | 3,619 |
| Average equity | $11,394,000 | 4,209 |
| Average total loans | $85,343,000 | 3,642 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 2,648 |
| Cost of funding earning assets | 0.6992% | 1,025 |
| Net interest margin | 3.5120% | 3,485 |
| Noninterest income to average assets | 1.5987% | 406 |
| Noninterest expense to average assets | 3.7054% | 783 |
| Loan and lease loss provision to assets | 0.0827% | 2,546 |
| Net operating income to assets | 1.0405% | 2,092 |
| Return on assets (ROA) | 1.0859% | 1,929 |
| Pretax return on assets | 1.0859% | 3,242 |
| Return on Equity (ROE) | 13.8564% | 779 |
| Retained earnings to average equity (ytd only) | 0.0519% | 4,985 |
| Net charge-offs to loans | 0.0563% | 2,682 |
| Credit loss provision to net charge-offs | 259.5745% | 1,072 |
| Earnings coverage of net charge-offs (x) | 35.2340% | 1,368 |
| Efficiency ratio | 76.7383% | 1,517 |
| Assets per employee ($millions) | 3.1463% | 5,085 |
| Cash dividends to net income (ytd only)* | 99.6252% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 693 |
| Loan loss allowance to noncurrent loans | 249.8397% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 3,062 |
| Noncurrent loans to loans | 0.7449% | 2,343 |
| Net loans and leases to total assets | 59.3889% | 3,890 |
| Net loans and leases to deposits | 75.3713% | 3,400 |
| Net loans and leases to core deposits | 91.7302% | 2,395 |
| Total domestic deposits to total assets | 78.7951% | 4,579 |
| Equity capital to assets | 8.4783% | 5,139 |
| Core capital (leverage) ratio | 8.6146% | 5,029 |
| Tier 1 risk-based capital ratio | 16.0007% | 2,429 |
| Total risk-based capital ratio | 17.2597% | 2,365 |
| Memoranda: | ||
| Average total assets | $147,433,000 | 3,500 |
| Average earning assets | $135,590,800 | 3,513 |
| Average equity | $11,554,200 | 4,217 |
| Average total loans | $83,548,600 | 3,666 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 2,743 |
| Cost of funding earning assets | 0.6660% | 1,141 |
| Net interest margin | 3.4965% | 3,512 |
| Noninterest income to average assets | 1.5196% | 472 |
| Noninterest expense to average assets | 3.7011% | 765 |
| Loan and lease loss provision to assets | 0.0668% | 2,732 |
| Net operating income to assets | 0.9736% | 2,672 |
| Return on assets (ROA) | 1.0270% | 2,475 |
| Pretax return on assets | 1.0270% | 3,578 |
| Return on Equity (ROE) | 13.3579% | 967 |
| Retained earnings to average equity (ytd only) | 0.4982% | 5,109 |
| Net charge-offs to loans | 0.0527% | 2,391 |
| Credit loss provision to net charge-offs | 227.2727% | 1,225 |
| Earnings coverage of net charge-offs (x) | 35.3930% | 1,414 |
| Efficiency ratio | 78.0575% | 1,326 |
| Assets per employee ($millions) | 3.3449% | 4,916 |
| Cash dividends to net income (ytd only)* | 96.2707% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7717% | 901 |
| Loan loss allowance to noncurrent loans | 984.5161% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,635 |
| Noncurrent loans to loans | 0.1800% | 4,346 |
| Net loans and leases to total assets | 56.2108% | 4,216 |
| Net loans and leases to deposits | 79.4255% | 3,025 |
| Net loans and leases to core deposits | 92.0122% | 2,442 |
| Total domestic deposits to total assets | 70.7718% | 5,451 |
| Equity capital to assets | 8.0515% | 5,502 |
| Core capital (leverage) ratio | 8.3952% | 5,319 |
| Tier 1 risk-based capital ratio | 14.9977% | 2,918 |
| Total risk-based capital ratio | 16.2547% | 2,844 |
| Memoranda: | ||
| Average total assets | $149,682,500 | 3,508 |
| Average earning assets | $137,924,750 | 3,513 |
| Average equity | $11,508,500 | 4,270 |
| Average total loans | $83,492,250 | 3,694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,689 |
| Cost of funding earning assets | 0.6423% | 1,195 |
| Net interest margin | 3.5032% | 3,388 |
| Noninterest income to average assets | 1.4444% | 518 |
| Noninterest expense to average assets | 3.6800% | 791 |
| Loan and lease loss provision to assets | 0.0643% | 2,682 |
| Net operating income to assets | 0.9344% | 2,746 |
| Return on assets (ROA) | 1.0040% | 2,449 |
| Pretax return on assets | 1.0040% | 3,556 |
| Return on Equity (ROE) | 13.2685% | 964 |
| Retained earnings to average equity (ytd only) | 0.6192% | 4,948 |
| Net charge-offs to loans | -0.0145% | 4,652 |
| Credit loss provision to net charge-offs | -800.0000% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6552% | 1,373 |
| Assets per employee ($millions) | 3.3059% | 4,978 |
| Cash dividends to net income (ytd only)* | 95.3333% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 863 |
| Loan loss allowance to noncurrent loans | 826.8817% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,700 |
| Noncurrent loans to loans | 0.2193% | 4,244 |
| Net loans and leases to total assets | 54.7702% | 4,334 |
| Net loans and leases to deposits | 80.2314% | 2,885 |
| Net loans and leases to core deposits | 93.8637% | 2,163 |
| Total domestic deposits to total assets | 68.2653% | 5,587 |
| Equity capital to assets | 7.8359% | 5,591 |
| Core capital (leverage) ratio | 8.1358% | 5,469 |
| Tier 1 risk-based capital ratio | 14.9697% | 2,942 |
| Total risk-based capital ratio | 16.2264% | 2,870 |
| Memoranda: | ||
| Average total assets | $149,403,670 | 3,527 |
| Average earning assets | $137,932,670 | 3,522 |
| Average equity | $11,305,000 | 4,309 |
| Average total loans | $82,611,670 | 3,728 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 2,487 |
| Cost of funding earning assets | 0.6007% | 1,369 |
| Net interest margin | 3.5459% | 3,093 |
| Noninterest income to average assets | 1.3939% | 548 |
| Noninterest expense to average assets | 3.6820% | 796 |
| Loan and lease loss provision to assets | 0.0540% | 2,720 |
| Net operating income to assets | 0.9428% | 2,549 |
| Return on assets (ROA) | 0.9428% | 2,609 |
| Pretax return on assets | 0.9428% | 3,616 |
| Return on Equity (ROE) | 12.6915% | 1,064 |
| Retained earnings to average equity (ytd only) | -0.0364% | 4,920 |
| Net charge-offs to loans | -0.0736% | 5,345 |
| Credit loss provision to net charge-offs | -133.3333% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6952% | 1,531 |
| Assets per employee ($millions) | 3.4910% | 4,795 |
| Cash dividends to net income (ytd only)* | 100.2865% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 884 |
| Loan loss allowance to noncurrent loans | 205.8266% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 3,295 |
| Noncurrent loans to loans | 0.8943% | 2,240 |
| Net loans and leases to total assets | 52.7373% | 4,450 |
| Net loans and leases to deposits | 82.2697% | 2,468 |
| Net loans and leases to core deposits | 96.8392% | 1,762 |
| Total domestic deposits to total assets | 64.1029% | 5,742 |
| Equity capital to assets | 7.3853% | 5,705 |
| Core capital (leverage) ratio | 8.3873% | 5,319 |
| Tier 1 risk-based capital ratio | 15.3320% | 2,822 |
| Total risk-based capital ratio | 16.5894% | 2,752 |
| Memoranda: | ||
| Average total assets | $148,070,500 | 3,582 |
| Average earning assets | $137,172,500 | 3,571 |
| Average equity | $10,999,500 | 4,387 |
| Average total loans | $81,504,000 | 3,783 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,264 |
| Cost of funding earning assets | 0.5566% | 1,628 |
| Net interest margin | 3.7068% | 2,665 |
| Noninterest income to average assets | 1.4763% | 539 |
| Noninterest expense to average assets | 3.8919% | 696 |
| Loan and lease loss provision to assets | 0.0433% | 3,519 |
| Net operating income to assets | 0.9883% | 2,400 |
| Return on assets (ROA) | 1.0164% | 2,383 |
| Pretax return on assets | 1.0164% | 3,420 |
| Return on Equity (ROE) | 11.9005% | 1,269 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,302 |
| Net charge-offs to loans | 0.0198% | 3,655 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 624 |
| Efficiency ratio | 79.0483% | 1,548 |
| Assets per employee ($millions) | 3.2395% | 5,113 |
| Cash dividends to net income (ytd only)* | 100.0000% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8439% | 881 |
| Loan loss allowance to noncurrent loans | 738.3085% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 4,743 |
| Noncurrent loans to loans | 0.2497% | 4,261 |
| Net loans and leases to total assets | 55.4231% | 4,314 |
| Net loans and leases to deposits | 89.3270% | 1,758 |
| Net loans and leases to core deposits | 98.2367% | 1,753 |
| Total domestic deposits to total assets | 62.0452% | 5,804 |
| Equity capital to assets | 7.4752% | 5,720 |
| Core capital (leverage) ratio | 8.3391% | 5,408 |
| Tier 1 risk-based capital ratio | 15.8610% | 2,602 |
| Total risk-based capital ratio | 17.1193% | 2,530 |
| Memoranda: | ||
| Average total assets | $138,723,200 | 3,692 |
| Average earning assets | $129,004,800 | 3,670 |
| Average equity | $11,848,200 | 4,271 |
| Average total loans | $75,726,600 | 3,908 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,253 |
| Cost of funding earning assets | 0.5516% | 1,676 |
| Net interest margin | 3.7208% | 2,638 |
| Noninterest income to average assets | 1.4807% | 548 |
| Noninterest expense to average assets | 3.9224% | 650 |
| Loan and lease loss provision to assets | 0.0494% | 3,258 |
| Net operating income to assets | 0.9687% | 2,573 |
| Return on assets (ROA) | 1.0065% | 2,539 |
| Pretax return on assets | 1.0065% | 3,608 |
| Return on Equity (ROE) | 11.4159% | 1,519 |
| Retained earnings to average equity (ytd only) | 0.4940% | 5,230 |
| Net charge-offs to loans | -0.0018% | 4,479 |
| Credit loss provision to net charge-offs | -5,100.0000% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3928% | 1,511 |
| Assets per employee ($millions) | 3.3246% | 5,017 |
| Cash dividends to net income (ytd only)* | 95.6730% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 832 |
| Loan loss allowance to noncurrent loans | 505.4237% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,624 |
| Noncurrent loans to loans | 0.3790% | 3,904 |
| Net loans and leases to total assets | 52.1958% | 4,645 |
| Net loans and leases to deposits | 86.4837% | 2,212 |
| Net loans and leases to core deposits | 95.1202% | 2,087 |
| Total domestic deposits to total assets | 60.3533% | 5,886 |
| Equity capital to assets | 8.6607% | 5,426 |
| Core capital (leverage) ratio | 8.2221% | 5,558 |
| Tier 1 risk-based capital ratio | 16.3025% | 2,498 |
| Total risk-based capital ratio | 17.5624% | 2,445 |
| Memoranda: | ||
| Average total assets | $137,769,500 | 3,731 |
| Average earning assets | $128,106,750 | 3,701 |
| Average equity | $12,146,500 | 4,263 |
| Average total loans | $74,537,500 | 3,959 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,090 |
| Cost of funding earning assets | 0.5395% | 1,783 |
| Net interest margin | 3.7812% | 2,395 |
| Noninterest income to average assets | 1.5104% | 524 |
| Noninterest expense to average assets | 4.0050% | 589 |
| Loan and lease loss provision to assets | 0.0534% | 3,082 |
| Net operating income to assets | 0.9634% | 2,558 |
| Return on assets (ROA) | 1.0124% | 2,472 |
| Pretax return on assets | 1.0124% | 3,536 |
| Return on Equity (ROE) | 11.4096% | 1,510 |
| Retained earnings to average equity (ytd only) | -0.0334% | 5,298 |
| Net charge-offs to loans | -0.0082% | 4,643 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7521% | 1,522 |
| Assets per employee ($millions) | 3.1377% | 5,283 |
| Cash dividends to net income (ytd only)* | 100.2928% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 829 |
| Loan loss allowance to noncurrent loans | 263.9286% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 3,908 |
| Noncurrent loans to loans | 0.7370% | 2,894 |
| Net loans and leases to total assets | 52.7660% | 4,611 |
| Net loans and leases to deposits | 82.4604% | 2,652 |
| Net loans and leases to core deposits | 90.7610% | 2,460 |
| Total domestic deposits to total assets | 63.9895% | 5,932 |
| Equity capital to assets | 8.8218% | 5,384 |
| Core capital (leverage) ratio | 8.0605% | 5,693 |
| Tier 1 risk-based capital ratio | 15.6877% | 2,790 |
| Total risk-based capital ratio | 16.9472% | 2,721 |
| Memoranda: | ||
| Average total assets | $134,932,000 | 3,797 |
| Average earning assets | $125,305,330 | 3,772 |
| Average equity | $11,972,330 | 4,323 |
| Average total loans | $73,435,330 | 4,008 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 1,752 |
| Cost of funding earning assets | 0.5507% | 1,706 |
| Net interest margin | 3.8677% | 2,046 |
| Noninterest income to average assets | 1.5690% | 480 |
| Noninterest expense to average assets | 4.1275% | 531 |
| Loan and lease loss provision to assets | 0.0455% | 3,010 |
| Net operating income to assets | 0.9772% | 2,385 |
| Return on assets (ROA) | 0.9803% | 2,483 |
| Pretax return on assets | 0.9803% | 3,552 |
| Return on Equity (ROE) | 11.0140% | 1,595 |
| Retained earnings to average equity (ytd only) | 0.4433% | 5,007 |
| Net charge-offs to loans | -0.0166% | 4,774 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1414% | 1,592 |
| Assets per employee ($millions) | 2.9862% | 5,524 |
| Cash dividends to net income (ytd only)* | 95.9752% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 808 |
| Loan loss allowance to noncurrent loans | 607.0833% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 4,142 |
| Noncurrent loans to loans | 0.3311% | 4,251 |
| Net loans and leases to total assets | 51.7039% | 4,654 |
| Net loans and leases to deposits | 80.4062% | 2,740 |
| Net loans and leases to core deposits | 81.8537% | 3,141 |
| Total domestic deposits to total assets | 64.3033% | 5,996 |
| Equity capital to assets | 8.7243% | 5,405 |
| Core capital (leverage) ratio | 8.1759% | 5,667 |
| Tier 1 risk-based capital ratio | 16.0095% | 2,679 |
| Total risk-based capital ratio | 17.2704% | 2,623 |
| Memoranda: | ||
| Average total assets | $131,800,500 | 3,887 |
| Average earning assets | $122,035,500 | 3,871 |
| Average equity | $11,730,500 | 4,376 |
| Average total loans | $72,162,500 | 4,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 1,717 |
| Cost of funding earning assets | 0.5419% | 1,830 |
| Net interest margin | 3.9187% | 1,969 |
| Noninterest income to average assets | 1.9572% | 372 |
| Noninterest expense to average assets | 4.3225% | 474 |
| Loan and lease loss provision to assets | 0.0591% | 3,127 |
| Net operating income to assets | 1.1962% | 1,565 |
| Return on assets (ROA) | 1.3056% | 1,305 |
| Pretax return on assets | 1.3056% | 2,261 |
| Return on Equity (ROE) | 14.7017% | 734 |
| Retained earnings to average equity (ytd only) | 0.0629% | 5,480 |
| Net charge-offs to loans | -0.2654% | 5,997 |
| Credit loss provision to net charge-offs | -38.7435% | 5,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4946% | 2,051 |
| Assets per employee ($millions) | 2.8053% | 5,702 |
| Cash dividends to net income (ytd only)* | 99.5719% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 796 |
| Loan loss allowance to noncurrent loans | 503.1469% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,098 |
| Noncurrent loans to loans | 0.3981% | 4,029 |
| Net loans and leases to total assets | 55.7732% | 4,313 |
| Net loans and leases to deposits | 79.7443% | 2,847 |
| Net loans and leases to core deposits | 82.0767% | 3,138 |
| Total domestic deposits to total assets | 69.9401% | 5,899 |
| Equity capital to assets | 9.0916% | 5,026 |
| Core capital (leverage) ratio | 8.6394% | 5,291 |
| Tier 1 risk-based capital ratio | 16.5834% | 2,437 |
| Total risk-based capital ratio | 17.8450% | 2,387 |
| Memoranda: | ||
| Average total assets | $125,227,600 | 3,979 |
| Average earning assets | $115,703,000 | 3,968 |
| Average equity | $11,121,200 | 4,456 |
| Average total loans | $71,975,600 | 4,044 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,742 |
| Cost of funding earning assets | 0.5492% | 1,811 |
| Net interest margin | 3.9055% | 2,014 |
| Noninterest income to average assets | 2.0324% | 356 |
| Noninterest expense to average assets | 4.3080% | 485 |
| Loan and lease loss provision to assets | 0.0469% | 3,265 |
| Net operating income to assets | 1.2813% | 1,388 |
| Return on assets (ROA) | 1.2802% | 1,449 |
| Pretax return on assets | 1.2802% | 2,471 |
| Return on Equity (ROE) | 14.5026% | 805 |
| Retained earnings to average equity (ytd only) | 0.5681% | 5,450 |
| Net charge-offs to loans | -0.3907% | 6,124 |
| Credit loss provision to net charge-offs | -20.8531% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4338% | 2,170 |
| Assets per employee ($millions) | 2.9813% | 5,568 |
| Cash dividends to net income (ytd only)* | 96.0830% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 993 |
| Loan loss allowance to noncurrent loans | 2,198.4615% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 4,042 |
| Noncurrent loans to loans | 0.0885% | 5,275 |
| Net loans and leases to total assets | 51.3827% | 4,812 |
| Net loans and leases to deposits | 84.0580% | 2,406 |
| Net loans and leases to core deposits | 88.7266% | 2,584 |
| Total domestic deposits to total assets | 61.1277% | 6,166 |
| Equity capital to assets | 8.6267% | 5,624 |
| Core capital (leverage) ratio | 8.9547% | 5,046 |
| Tier 1 risk-based capital ratio | 15.7269% | 2,934 |
| Total risk-based capital ratio | 16.9863% | 2,862 |
| Memoranda: | ||
| Average total assets | $124,975,000 | 4,023 |
| Average earning assets | $115,320,500 | 4,015 |
| Average equity | $11,032,250 | 4,524 |
| Average total loans | $72,008,000 | 4,080 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 1,233 |
| Cost of funding earning assets | 0.5843% | 1,532 |
| Net interest margin | 4.0354% | 1,534 |
| Noninterest income to average assets | 2.1497% | 334 |
| Noninterest expense to average assets | 4.4678% | 439 |
| Loan and lease loss provision to assets | 0.0517% | 3,082 |
| Net operating income to assets | 1.3392% | 1,219 |
| Return on assets (ROA) | 1.3408% | 1,262 |
| Pretax return on assets | 1.3408% | 2,205 |
| Return on Equity (ROE) | 15.0557% | 720 |
| Retained earnings to average equity (ytd only) | 0.0749% | 5,480 |
| Net charge-offs to loans | -0.4949% | 6,203 |
| Credit loss provision to net charge-offs | -17.5141% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2596% | 2,317 |
| Assets per employee ($millions) | 2.5908% | 5,986 |
| Cash dividends to net income (ytd only)* | 99.5025% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 1,153 |
| Loan loss allowance to noncurrent loans | 283.1967% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 3,269 |
| Noncurrent loans to loans | 0.6721% | 3,465 |
| Net loans and leases to total assets | 59.7667% | 3,870 |
| Net loans and leases to deposits | 82.7269% | 2,473 |
| Net loans and leases to core deposits | 83.2179% | 3,057 |
| Total domestic deposits to total assets | 72.2459% | 5,923 |
| Equity capital to assets | 8.7493% | 5,490 |
| Core capital (leverage) ratio | 8.7997% | 5,224 |
| Tier 1 risk-based capital ratio | 15.5292% | 3,087 |
| Total risk-based capital ratio | 16.7903% | 3,029 |
| Memoranda: | ||
| Average total assets | $119,925,670 | 4,157 |
| Average earning assets | $110,223,330 | 4,148 |
| Average equity | $10,680,330 | 4,621 |
| Average total loans | $71,534,670 | 4,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 972 |
| Cost of funding earning assets | 0.6254% | 1,266 |
| Net interest margin | 4.1102% | 1,253 |
| Noninterest income to average assets | 2.3375% | 296 |
| Noninterest expense to average assets | 4.6350% | 390 |
| Loan and lease loss provision to assets | 0.0233% | 3,406 |
| Net operating income to assets | 1.4597% | 922 |
| Return on assets (ROA) | 1.4730% | 959 |
| Pretax return on assets | 1.4730% | 1,650 |
| Return on Equity (ROE) | 16.3968% | 528 |
| Retained earnings to average equity (ytd only) | 3.8123% | 3,719 |
| Net charge-offs to loans | -0.9183% | 6,315 |
| Credit loss provision to net charge-offs | -4.2945% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7609% | 2,548 |
| Assets per employee ($millions) | 2.5549% | 6,073 |
| Cash dividends to net income (ytd only)* | 76.7494% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8906% | 1,305 |
| Loan loss allowance to noncurrent loans | 320.7637% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 3,512 |
| Noncurrent loans to loans | 0.5894% | 3,810 |
| Net loans and leases to total assets | 59.3421% | 3,753 |
| Net loans and leases to deposits | 81.3870% | 2,397 |
| Net loans and leases to core deposits | 82.4181% | 2,917 |
| Total domestic deposits to total assets | 72.9135% | 5,981 |
| Equity capital to assets | 9.4268% | 4,833 |
| Core capital (leverage) ratio | 8.5809% | 5,445 |
| Tier 1 risk-based capital ratio | 15.9809% | 2,931 |
| Total risk-based capital ratio | 17.2416% | 2,861 |
| Memoranda: | ||
| Average total assets | $120,301,000 | 4,179 |
| Average earning assets | $110,651,000 | 4,167 |
| Average equity | $10,807,000 | 4,642 |
| Average total loans | $70,997,500 | 4,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 1,836 |
| Cost of funding earning assets | 0.6775% | 1,220 |
| Net interest margin | 3.8299% | 2,510 |
| Noninterest income to average assets | 1.9724% | 351 |
| Noninterest expense to average assets | 4.1139% | 672 |
| Loan and lease loss provision to assets | 0.0936% | 2,593 |
| Net operating income to assets | 1.3019% | 1,304 |
| Return on assets (ROA) | 1.3301% | 1,285 |
| Pretax return on assets | 1.3301% | 2,141 |
| Return on Equity (ROE) | 16.2226% | 595 |
| Retained earnings to average equity (ytd only) | 0.1011% | 5,723 |
| Net charge-offs to loans | 0.0409% | 4,007 |
| Credit loss provision to net charge-offs | 403.5714% | 639 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 793 |
| Efficiency ratio | 74.6691% | 2,723 |
| Assets per employee ($millions) | 2.7972% | 5,932 |
| Cash dividends to net income (ytd only)* | 99.3769% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 1,911 |
| Loan loss allowance to noncurrent loans | 141.6164% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 3,390 |
| Noncurrent loans to loans | 1.1691% | 2,492 |
| Net loans and leases to total assets | 56.6598% | 4,243 |
| Net loans and leases to deposits | 75.4852% | 3,260 |
| Net loans and leases to core deposits | 76.3698% | 3,668 |
| Total domestic deposits to total assets | 75.0607% | 5,854 |
| Equity capital to assets | 8.5598% | 5,683 |
| Core capital (leverage) ratio | 8.1471% | 5,893 |
| Tier 1 risk-based capital ratio | 15.7811% | 3,073 |
| Total risk-based capital ratio | 17.0385% | 3,016 |
| Memoranda: | ||
| Average total assets | $120,665,400 | 4,166 |
| Average earning assets | $111,437,600 | 4,148 |
| Average equity | $9,893,600 | 4,770 |
| Average total loans | $68,410,800 | 4,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 1,834 |
| Cost of funding earning assets | 0.6873% | 1,221 |
| Net interest margin | 3.8225% | 2,534 |
| Noninterest income to average assets | 1.9822% | 352 |
| Noninterest expense to average assets | 4.1233% | 663 |
| Loan and lease loss provision to assets | 0.0966% | 2,434 |
| Net operating income to assets | 1.3015% | 1,365 |
| Return on assets (ROA) | 1.3359% | 1,330 |
| Pretax return on assets | 1.3359% | 2,251 |
| Return on Equity (ROE) | 16.4792% | 619 |
| Retained earnings to average equity (ytd only) | 0.7260% | 5,586 |
| Net charge-offs to loans | -0.0197% | 5,605 |
| Credit loss provision to net charge-offs | -870.0000% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6782% | 2,704 |
| Assets per employee ($millions) | 2.7697% | 6,003 |
| Cash dividends to net income (ytd only)* | 95.5947% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 2,080 |
| Loan loss allowance to noncurrent loans | 174.4118% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 3,999 |
| Noncurrent loans to loans | 0.9552% | 3,171 |
| Net loans and leases to total assets | 57.4464% | 4,144 |
| Net loans and leases to deposits | 79.7992% | 2,720 |
| Net loans and leases to core deposits | 80.7835% | 3,216 |
| Total domestic deposits to total assets | 71.9887% | 6,172 |
| Equity capital to assets | 8.1073% | 6,075 |
| Core capital (leverage) ratio | 8.4636% | 5,690 |
| Tier 1 risk-based capital ratio | 15.8403% | 3,134 |
| Total risk-based capital ratio | 17.0971% | 3,074 |
| Memoranda: | ||
| Average total assets | $120,063,000 | 4,217 |
| Average earning assets | $111,164,750 | 4,190 |
| Average equity | $9,733,250 | 4,841 |
| Average total loans | $67,786,500 | 4,282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 1,741 |
| Cost of funding earning assets | 0.7062% | 1,165 |
| Net interest margin | 3.8227% | 2,474 |
| Noninterest income to average assets | 1.9588% | 359 |
| Noninterest expense to average assets | 4.1051% | 673 |
| Loan and lease loss provision to assets | 0.1005% | 2,346 |
| Net operating income to assets | 1.2874% | 1,349 |
| Return on assets (ROA) | 1.3561% | 1,216 |
| Pretax return on assets | 1.3561% | 2,056 |
| Return on Equity (ROE) | 16.7281% | 583 |
| Retained earnings to average equity (ytd only) | 1.2391% | 5,255 |
| Net charge-offs to loans | 0.0240% | 3,719 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 103.6250% | 544 |
| Efficiency ratio | 74.7333% | 2,852 |
| Assets per employee ($millions) | 2.7245% | 6,106 |
| Cash dividends to net income (ytd only)* | 92.5926% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 2,098 |
| Loan loss allowance to noncurrent loans | 162.7675% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 4,044 |
| Noncurrent loans to loans | 1.0513% | 3,123 |
| Net loans and leases to total assets | 54.6707% | 4,453 |
| Net loans and leases to deposits | 73.4325% | 3,395 |
| Net loans and leases to core deposits | 74.3218% | 3,802 |
| Total domestic deposits to total assets | 74.4503% | 6,069 |
| Equity capital to assets | 8.5196% | 5,782 |
| Core capital (leverage) ratio | 8.6029% | 5,527 |
| Tier 1 risk-based capital ratio | 16.7518% | 2,728 |
| Total risk-based capital ratio | 18.0005% | 2,696 |
| Memoranda: | ||
| Average total assets | $119,462,330 | 4,253 |
| Average earning assets | $110,446,670 | 4,233 |
| Average equity | $9,684,330 | 4,867 |
| Average total loans | $66,651,000 | 4,338 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5783% | 1,559 |
| Cost of funding earning assets | 0.7546% | 955 |
| Net interest margin | 3.8237% | 2,372 |
| Noninterest income to average assets | 1.8984% | 364 |
| Noninterest expense to average assets | 4.0853% | 693 |
| Loan and lease loss provision to assets | 0.1006% | 2,245 |
| Net operating income to assets | 1.2477% | 1,354 |
| Return on assets (ROA) | 1.3853% | 1,059 |
| Pretax return on assets | 1.3853% | 1,803 |
| Return on Equity (ROE) | 17.5372% | 478 |
| Retained earnings to average equity (ytd only) | 2.6752% | 4,474 |
| Net charge-offs to loans | -0.1020% | 6,124 |
| Credit loss provision to net charge-offs | -176.4706% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1852% | 2,931 |
| Assets per employee ($millions) | 2.7039% | 6,200 |
| Cash dividends to net income (ytd only)* | 84.7458% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,287 |
| Loan loss allowance to noncurrent loans | 445.4902% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 4,792 |
| Noncurrent loans to loans | 0.3861% | 4,967 |
| Net loans and leases to total assets | 54.5603% | 4,342 |
| Net loans and leases to deposits | 73.2360% | 3,162 |
| Net loans and leases to core deposits | 74.1284% | 3,630 |
| Total domestic deposits to total assets | 74.4993% | 6,200 |
| Equity capital to assets | 8.1960% | 5,909 |
| Core capital (leverage) ratio | 8.5649% | 5,566 |
| Tier 1 risk-based capital ratio | 16.7101% | 2,809 |
| Total risk-based capital ratio | 17.9667% | 2,769 |
| Memoranda: | ||
| Average total assets | $119,255,500 | 4,295 |
| Average earning assets | $110,260,000 | 4,266 |
| Average equity | $9,420,000 | 4,955 |
| Average total loans | $66,637,500 | 4,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 1,160 |
| Cost of funding earning assets | 0.7691% | 1,383 |
| Net interest margin | 4.0977% | 1,649 |
| Noninterest income to average assets | 2.3731% | 303 |
| Noninterest expense to average assets | 4.5584% | 497 |
| Loan and lease loss provision to assets | 0.2538% | 1,420 |
| Net operating income to assets | 1.3352% | 1,169 |
| Return on assets (ROA) | 1.3421% | 1,190 |
| Pretax return on assets | 1.3421% | 2,002 |
| Return on Equity (ROE) | 15.5853% | 678 |
| Retained earnings to average equity (ytd only) | 0.0101% | 5,848 |
| Net charge-offs to loans | 0.0708% | 4,218 |
| Credit loss provision to net charge-offs | 584.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 36.5600% | 1,018 |
| Efficiency ratio | 74.1516% | 3,106 |
| Assets per employee ($millions) | 2.6564% | 6,266 |
| Cash dividends to net income (ytd only)* | 99.9352% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 2,681 |
| Loan loss allowance to noncurrent loans | 332.0122% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 4,367 |
| Noncurrent loans to loans | 0.4879% | 4,776 |
| Net loans and leases to total assets | 55.3280% | 4,416 |
| Net loans and leases to deposits | 73.3449% | 3,351 |
| Net loans and leases to core deposits | 74.6630% | 3,771 |
| Total domestic deposits to total assets | 75.4354% | 6,148 |
| Equity capital to assets | 7.6034% | 6,232 |
| Core capital (leverage) ratio | 8.4237% | 5,751 |
| Tier 1 risk-based capital ratio | 16.3798% | 2,912 |
| Total risk-based capital ratio | 17.6351% | 2,865 |
| Memoranda: | ||
| Average total assets | $115,041,400 | 4,385 |
| Average earning assets | $105,961,600 | 4,364 |
| Average equity | $9,906,800 | 4,870 |
| Average total loans | $70,596,400 | 4,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,067 |
| Cost of funding earning assets | 0.7919% | 1,376 |
| Net interest margin | 4.1386% | 1,515 |
| Noninterest income to average assets | 2.4251% | 305 |
| Noninterest expense to average assets | 4.6348% | 461 |
| Loan and lease loss provision to assets | 0.2645% | 1,338 |
| Net operating income to assets | 1.3366% | 1,252 |
| Return on assets (ROA) | 1.3460% | 1,280 |
| Pretax return on assets | 1.3460% | 2,138 |
| Return on Equity (ROE) | 15.1643% | 777 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | 0.0803% | 3,806 |
| Credit loss provision to net charge-offs | 525.5814% | 532 |
| Earnings coverage of net charge-offs (x) | 31.8149% | 1,188 |
| Efficiency ratio | 74.3243% | 3,008 |
| Assets per employee ($millions) | 2.5719% | 6,406 |
| Cash dividends to net income (ytd only)* | 100.0000% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 3,549 |
| Loan loss allowance to noncurrent loans | 240.6542% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,982 |
| Noncurrent loans to loans | 0.6142% | 4,668 |
| Net loans and leases to total assets | 59.3222% | 3,803 |
| Net loans and leases to deposits | 79.7880% | 2,439 |
| Net loans and leases to core deposits | 81.2901% | 2,963 |
| Total domestic deposits to total assets | 74.3498% | 6,349 |
| Equity capital to assets | 8.0141% | 6,150 |
| Core capital (leverage) ratio | 8.9617% | 5,178 |
| Tier 1 risk-based capital ratio | 16.1272% | 3,116 |
| Total risk-based capital ratio | 17.3820% | 3,075 |
| Memoranda: | ||
| Average total assets | $113,917,250 | 4,452 |
| Average earning assets | $104,896,250 | 4,430 |
| Average equity | $10,111,250 | 4,868 |
| Average total loans | $71,438,750 | 4,244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 917 |
| Cost of funding earning assets | 0.8040% | 1,391 |
| Net interest margin | 4.1907% | 1,300 |
| Noninterest income to average assets | 2.3581% | 354 |
| Noninterest expense to average assets | 4.6562% | 468 |
| Loan and lease loss provision to assets | 0.2436% | 1,532 |
| Net operating income to assets | 1.3132% | 1,290 |
| Return on assets (ROA) | 1.3273% | 1,331 |
| Pretax return on assets | 1.3273% | 2,204 |
| Return on Equity (ROE) | 14.4755% | 915 |
| Retained earnings to average equity (ytd only) | -0.4427% | 5,946 |
| Net charge-offs to loans | 0.0305% | 4,259 |
| Credit loss provision to net charge-offs | 1,254.5455% | 249 |
| Earnings coverage of net charge-offs (x) | 80.1818% | 565 |
| Efficiency ratio | 74.9432% | 2,956 |
| Assets per employee ($millions) | 2.3645% | 6,603 |
| Cash dividends to net income (ytd only)* | 103.0585% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,194 |
| Loan loss allowance to noncurrent loans | 532.2404% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,742 |
| Noncurrent loans to loans | 0.2562% | 5,666 |
| Net loans and leases to total assets | 62.0857% | 3,270 |
| Net loans and leases to deposits | 84.3500% | 1,754 |
| Net loans and leases to core deposits | 85.9845% | 2,334 |
| Total domestic deposits to total assets | 73.6048% | 6,465 |
| Equity capital to assets | 8.3640% | 5,902 |
| Core capital (leverage) ratio | 8.9107% | 5,127 |
| Tier 1 risk-based capital ratio | 16.0266% | 3,176 |
| Total risk-based capital ratio | 17.2796% | 3,121 |
| Memoranda: | ||
| Average total assets | $113,311,670 | 4,502 |
| Average earning assets | $104,230,670 | 4,471 |
| Average equity | $10,390,000 | 4,854 |
| Average total loans | $72,023,000 | 4,239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 994 |
| Cost of funding earning assets | 0.8160% | 1,437 |
| Net interest margin | 4.1225% | 1,397 |
| Noninterest income to average assets | 2.2223% | 375 |
| Noninterest expense to average assets | 4.5540% | 512 |
| Loan and lease loss provision to assets | 0.1802% | 2,058 |
| Net operating income to assets | 1.2719% | 1,347 |
| Return on assets (ROA) | 1.2719% | 1,449 |
| Pretax return on assets | 1.2719% | 2,329 |
| Return on Equity (ROE) | 13.2860% | 1,101 |
| Retained earnings to average equity (ytd only) | -0.5905% | 5,894 |
| Net charge-offs to loans | -0.0277% | 5,864 |
| Credit loss provision to net charge-offs | -1,020.0000% | 5,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8235% | 2,953 |
| Assets per employee ($millions) | 2.3219% | 6,711 |
| Cash dividends to net income (ytd only)* | 104.4444% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,989 |
| Loan loss allowance to noncurrent loans | 162.7027% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 5,160 |
| Noncurrent loans to loans | 0.7634% | 4,602 |
| Net loans and leases to total assets | 63.1055% | 2,874 |
| Net loans and leases to deposits | 86.9360% | 1,255 |
| Net loans and leases to core deposits | 89.0064% | 1,804 |
| Total domestic deposits to total assets | 72.5884% | 6,628 |
| Equity capital to assets | 9.4390% | 4,940 |
| Core capital (leverage) ratio | 9.0578% | 4,792 |
| Tier 1 risk-based capital ratio | 15.7218% | 3,413 |
| Total risk-based capital ratio | 16.9731% | 3,371 |
| Memoranda: | ||
| Average total assets | $113,218,500 | 4,545 |
| Average earning assets | $103,916,500 | 4,519 |
| Average equity | $10,838,500 | 4,802 |
| Average total loans | $72,314,500 | 4,258 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 896 |
| Cost of funding earning assets | 0.9288% | 1,762 |
| Net interest margin | 4.3890% | 1,183 |
| Noninterest income to average assets | 2.3017% | 353 |
| Noninterest expense to average assets | 4.5936% | 522 |
| Loan and lease loss provision to assets | 0.1954% | 3,189 |
| Net operating income to assets | 1.5363% | 852 |
| Return on assets (ROA) | 1.7102% | 679 |
| Pretax return on assets | 1.7102% | 1,111 |
| Return on Equity (ROE) | 17.4841% | 495 |
| Retained earnings to average equity (ytd only) | 0.0275% | 5,820 |
| Net charge-offs to loans | 0.8497% | 1,353 |
| Credit loss provision to net charge-offs | 34.3307% | 5,036 |
| Earnings coverage of net charge-offs (x) | 3.0425% | 3,911 |
| Efficiency ratio | 72.6229% | 3,302 |
| Assets per employee ($millions) | 2.3472% | 6,747 |
| Cash dividends to net income (ytd only)* | 99.8428% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 5,226 |
| Loan loss allowance to noncurrent loans | 145.7831% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 5,188 |
| Noncurrent loans to loans | 0.8077% | 4,573 |
| Net loans and leases to total assets | 63.0920% | 3,039 |
| Net loans and leases to deposits | 87.3383% | 1,349 |
| Net loans and leases to core deposits | 89.4394% | 1,902 |
| Total domestic deposits to total assets | 72.2387% | 6,680 |
| Equity capital to assets | 9.7085% | 4,576 |
| Core capital (leverage) ratio | 9.1952% | 4,591 |
| Tier 1 risk-based capital ratio | 16.2222% | 3,040 |
| Total risk-based capital ratio | 17.4735% | 2,992 |
| Memoranda: | ||
| Average total assets | $111,568,000 | 4,557 |
| Average earning assets | $102,278,600 | 4,540 |
| Average equity | $10,912,800 | 4,779 |
| Average total loans | $74,732,600 | 4,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 848 |
| Cost of funding earning assets | 0.9448% | 1,878 |
| Net interest margin | 4.4480% | 1,093 |
| Noninterest income to average assets | 2.2906% | 345 |
| Noninterest expense to average assets | 4.6243% | 490 |
| Loan and lease loss provision to assets | 0.1510% | 3,653 |
| Net operating income to assets | 1.5933% | 861 |
| Return on assets (ROA) | 1.7682% | 677 |
| Pretax return on assets | 1.7682% | 1,127 |
| Return on Equity (ROE) | 18.0438% | 496 |
| Retained earnings to average equity (ytd only) | 0.5013% | 5,938 |
| Net charge-offs to loans | 1.0888% | 946 |
| Credit loss provision to net charge-offs | 20.4545% | 4,947 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 4,096 |
| Efficiency ratio | 72.6110% | 3,210 |
| Assets per employee ($millions) | 2.3154% | 6,849 |
| Cash dividends to net income (ytd only)* | 97.2225% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,895 |
| Loan loss allowance to noncurrent loans | 194.4724% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,720 |
| Noncurrent loans to loans | 0.5400% | 5,364 |
| Net loans and leases to total assets | 65.6250% | 2,723 |
| Net loans and leases to deposits | 91.4958% | 1,019 |
| Net loans and leases to core deposits | 93.7347% | 1,606 |
| Total domestic deposits to total assets | 71.7246% | 6,757 |
| Equity capital to assets | 9.9695% | 4,533 |
| Core capital (leverage) ratio | 9.2819% | 4,617 |
| Tier 1 risk-based capital ratio | 16.2394% | 3,138 |
| Total risk-based capital ratio | 17.4589% | 3,134 |
| Memoranda: | ||
| Average total assets | $111,294,000 | 4,609 |
| Average earning assets | $102,035,250 | 4,593 |
| Average equity | $10,906,500 | 4,825 |
| Average total loans | $75,433,500 | 4,219 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 767 |
| Cost of funding earning assets | 0.9574% | 2,013 |
| Net interest margin | 4.5125% | 968 |
| Noninterest income to average assets | 2.3458% | 321 |
| Noninterest expense to average assets | 4.6342% | 488 |
| Loan and lease loss provision to assets | 0.1185% | 4,047 |
| Net operating income to assets | 1.7244% | 643 |
| Return on assets (ROA) | 1.8142% | 616 |
| Pretax return on assets | 1.8142% | 1,013 |
| Return on Equity (ROE) | 18.6198% | 442 |
| Retained earnings to average equity (ytd only) | 0.6452% | 5,804 |
| Net charge-offs to loans | 0.8552% | 1,295 |
| Credit loss provision to net charge-offs | 20.3077% | 4,603 |
| Earnings coverage of net charge-offs (x) | 3.1569% | 3,475 |
| Efficiency ratio | 71.5474% | 3,509 |
| Assets per employee ($millions) | 2.3538% | 6,862 |
| Cash dividends to net income (ytd only)* | 96.5347% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,781 |
| Loan loss allowance to noncurrent loans | 480.8612% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,710 |
| Noncurrent loans to loans | 0.2753% | 6,024 |
| Net loans and leases to total assets | 67.7249% | 2,323 |
| Net loans and leases to deposits | 94.7336% | 712 |
| Net loans and leases to core deposits | 96.0588% | 1,423 |
| Total domestic deposits to total assets | 71.4898% | 6,831 |
| Equity capital to assets | 10.0129% | 4,316 |
| Core capital (leverage) ratio | 9.2984% | 4,459 |
| Tier 1 risk-based capital ratio | 15.8544% | 3,241 |
| Total risk-based capital ratio | 17.1074% | 3,210 |
| Memoranda: | ||
| Average total assets | $111,345,670 | 4,632 |
| Average earning assets | $101,938,000 | 4,627 |
| Average equity | $10,848,670 | 4,847 |
| Average total loans | $76,008,330 | 4,223 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 824 |
| Cost of funding earning assets | 0.9547% | 2,273 |
| Net interest margin | 4.4994% | 1,011 |
| Noninterest income to average assets | 2.2524% | 341 |
| Noninterest expense to average assets | 4.5513% | 531 |
| Loan and lease loss provision to assets | 0.0680% | 4,558 |
| Net operating income to assets | 1.7510% | 660 |
| Return on assets (ROA) | 1.8119% | 660 |
| Pretax return on assets | 1.8119% | 1,048 |
| Return on Equity (ROE) | 18.8551% | 472 |
| Retained earnings to average equity (ytd only) | 0.2236% | 5,911 |
| Net charge-offs to loans | 1.6673% | 577 |
| Credit loss provision to net charge-offs | 5.9937% | 3,946 |
| Earnings coverage of net charge-offs (x) | 1.6025% | 3,523 |
| Efficiency ratio | 71.4446% | 3,542 |
| Assets per employee ($millions) | 2.3809% | 6,935 |
| Cash dividends to net income (ytd only)* | 98.8142% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 5,150 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 4,205 |
| Noncurrent loans to loans | 1.4538% | 3,936 |
| Net loans and leases to total assets | 65.6038% | 2,545 |
| Net loans and leases to deposits | 90.1628% | 950 |
| Net loans and leases to core deposits | 91.3537% | 1,716 |
| Total domestic deposits to total assets | 72.7615% | 6,842 |
| Equity capital to assets | 9.3811% | 4,990 |
| Core capital (leverage) ratio | 9.2432% | 4,453 |
| Tier 1 risk-based capital ratio | 15.6219% | 3,381 |
| Total risk-based capital ratio | 16.8765% | 3,347 |
| Memoranda: | ||
| Average total assets | $111,705,000 | 4,662 |
| Average earning assets | $102,235,500 | 4,647 |
| Average equity | $10,734,500 | 4,878 |
| Average total loans | $76,049,000 | 4,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 937 |
| Cost of funding earning assets | 1.0516% | 3,004 |
| Net interest margin | 4.5578% | 1,005 |
| Noninterest income to average assets | 2.4940% | 271 |
| Noninterest expense to average assets | 4.6043% | 525 |
| Loan and lease loss provision to assets | 0.2184% | 4,006 |
| Net operating income to assets | 1.8317% | 435 |
| Return on assets (ROA) | 2.0177% | 320 |
| Pretax return on assets | 2.0177% | 516 |
| Return on Equity (ROE) | 21.8428% | 190 |
| Retained earnings to average equity (ytd only) | 0.6811% | 5,529 |
| Net charge-offs to loans | 0.1479% | 4,961 |
| Credit loss provision to net charge-offs | 218.9189% | 1,114 |
| Earnings coverage of net charge-offs (x) | 20.5495% | 1,126 |
| Efficiency ratio | 69.1923% | 4,111 |
| Assets per employee ($millions) | 2.2735% | 7,035 |
| Cash dividends to net income (ytd only)* | 96.8820% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 3,337 |
| Loan loss allowance to noncurrent loans | 146.2963% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 4,620 |
| Noncurrent loans to loans | 1.1345% | 4,463 |
| Net loans and leases to total assets | 68.6301% | 2,287 |
| Net loans and leases to deposits | 96.0611% | 666 |
| Net loans and leases to core deposits | 96.7835% | 1,428 |
| Total domestic deposits to total assets | 71.4443% | 6,903 |
| Equity capital to assets | 9.8491% | 4,372 |
| Core capital (leverage) ratio | 9.2236% | 4,432 |
| Tier 1 risk-based capital ratio | 15.8704% | 3,113 |
| Total risk-based capital ratio | 17.1289% | 3,071 |
| Memoranda: | ||
| Average total assets | $111,265,600 | 4,612 |
| Average earning assets | $101,563,200 | 4,597 |
| Average equity | $10,278,000 | 4,950 |
| Average total loans | $75,045,800 | 4,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 993 |
| Cost of funding earning assets | 1.0638% | 3,216 |
| Net interest margin | 4.5572% | 1,027 |
| Noninterest income to average assets | 2.4650% | 270 |
| Noninterest expense to average assets | 4.5866% | 533 |
| Loan and lease loss provision to assets | 0.2147% | 3,876 |
| Net operating income to assets | 1.8222% | 497 |
| Return on assets (ROA) | 1.8592% | 497 |
| Pretax return on assets | 1.8592% | 845 |
| Return on Equity (ROE) | 20.4578% | 283 |
| Retained earnings to average equity (ytd only) | 1.7584% | 5,262 |
| Net charge-offs to loans | 0.1034% | 4,964 |
| Credit loss provision to net charge-offs | 310.3448% | 912 |
| Earnings coverage of net charge-offs (x) | 29.4489% | 946 |
| Efficiency ratio | 69.2474% | 4,083 |
| Assets per employee ($millions) | 2.3620% | 7,025 |
| Cash dividends to net income (ytd only)* | 91.4048% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,458 |
| Loan loss allowance to noncurrent loans | 138.7168% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,491 |
| Noncurrent loans to loans | 1.1871% | 4,558 |
| Net loans and leases to total assets | 67.4684% | 2,578 |
| Net loans and leases to deposits | 94.1605% | 820 |
| Net loans and leases to core deposits | 94.5540% | 1,741 |
| Total domestic deposits to total assets | 71.6525% | 6,959 |
| Equity capital to assets | 9.9374% | 4,428 |
| Core capital (leverage) ratio | 9.2161% | 4,603 |
| Tier 1 risk-based capital ratio | 15.9682% | 3,136 |
| Total risk-based capital ratio | 17.2265% | 3,089 |
| Memoranda: | ||
| Average total assets | $111,800,250 | 4,624 |
| Average earning assets | $102,020,250 | 4,614 |
| Average equity | $10,160,500 | 4,994 |
| Average total loans | $74,767,750 | 4,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 1,039 |
| Cost of funding earning assets | 1.0719% | 3,458 |
| Net interest margin | 4.5476% | 1,019 |
| Noninterest income to average assets | 2.4005% | 286 |
| Noninterest expense to average assets | 4.5707% | 550 |
| Loan and lease loss provision to assets | 0.2213% | 3,704 |
| Net operating income to assets | 1.7580% | 543 |
| Return on assets (ROA) | 1.7954% | 543 |
| Pretax return on assets | 1.7954% | 888 |
| Return on Equity (ROE) | 20.3850% | 292 |
| Retained earnings to average equity (ytd only) | 1.1348% | 5,408 |
| Net charge-offs to loans | 0.1507% | 4,284 |
| Credit loss provision to net charge-offs | 221.4286% | 1,349 |
| Earnings coverage of net charge-offs (x) | 19.8036% | 1,203 |
| Efficiency ratio | 69.7820% | 4,156 |
| Assets per employee ($millions) | 2.4051% | 7,019 |
| Cash dividends to net income (ytd only)* | 94.4334% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,746 |
| Loan loss allowance to noncurrent loans | 869.5652% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,886 |
| Noncurrent loans to loans | 0.1824% | 6,539 |
| Net loans and leases to total assets | 65.8655% | 3,055 |
| Net loans and leases to deposits | 95.3462% | 775 |
| Net loans and leases to core deposits | 95.7509% | 1,709 |
| Total domestic deposits to total assets | 69.0803% | 7,152 |
| Equity capital to assets | 9.0669% | 5,490 |
| Core capital (leverage) ratio | 9.1761% | 4,446 |
| Tier 1 risk-based capital ratio | 15.6269% | 3,169 |
| Total risk-based capital ratio | 16.8844% | 3,128 |
| Memoranda: | ||
| Average total assets | $112,062,000 | 4,656 |
| Average earning assets | $102,251,670 | 4,644 |
| Average equity | $9,870,000 | 5,082 |
| Average total loans | $74,305,670 | 4,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 1,159 |
| Cost of funding earning assets | 1.0998% | 3,522 |
| Net interest margin | 4.4580% | 1,156 |
| Noninterest income to average assets | 2.3697% | 290 |
| Noninterest expense to average assets | 4.4455% | 631 |
| Loan and lease loss provision to assets | 0.2259% | 3,401 |
| Net operating income to assets | 1.7674% | 520 |
| Return on assets (ROA) | 1.8606% | 457 |
| Pretax return on assets | 1.8606% | 726 |
| Return on Equity (ROE) | 21.4452% | 270 |
| Retained earnings to average equity (ytd only) | 1.8181% | 5,022 |
| Net charge-offs to loans | 0.1304% | 3,731 |
| Credit loss provision to net charge-offs | 262.5000% | 1,194 |
| Earnings coverage of net charge-offs (x) | 23.1667% | 1,030 |
| Efficiency ratio | 69.0423% | 4,470 |
| Assets per employee ($millions) | 2.5400% | 6,929 |
| Cash dividends to net income (ytd only)* | 91.5222% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,977 |
| Loan loss allowance to noncurrent loans | 337.4640% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,705 |
| Noncurrent loans to loans | 0.4584% | 6,094 |
| Net loans and leases to total assets | 66.6846% | 2,835 |
| Net loans and leases to deposits | 94.7927% | 762 |
| Net loans and leases to core deposits | 94.7927% | 1,793 |
| Total domestic deposits to total assets | 70.3478% | 7,164 |
| Equity capital to assets | 8.6937% | 5,667 |
| Core capital (leverage) ratio | 9.1792% | 4,324 |
| Tier 1 risk-based capital ratio | 15.6088% | 3,098 |
| Total risk-based capital ratio | 16.8648% | 3,054 |
| Memoranda: | ||
| Average total assets | $111,574,000 | 4,697 |
| Average earning assets | $101,840,500 | 4,695 |
| Average equity | $9,680,500 | 5,124 |
| Average total loans | $73,632,000 | 4,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 940 |
| Cost of funding earning assets | 1.2767% | 4,037 |
| Net interest margin | 4.6752% | 862 |
| Noninterest income to average assets | 2.6546% | 272 |
| Noninterest expense to average assets | 4.5166% | 638 |
| Loan and lease loss provision to assets | 0.2025% | 5,217 |
| Net operating income to assets | 2.2094% | 192 |
| Return on assets (ROA) | 2.3508% | 151 |
| Pretax return on assets | 2.3508% | 236 |
| Return on Equity (ROE) | 26.2240% | 82 |
| Retained earnings to average equity (ytd only) | 0.0097% | 5,570 |
| Net charge-offs to loans | 0.3564% | 4,236 |
| Credit loss provision to net charge-offs | 84.6715% | 5,358 |
| Earnings coverage of net charge-offs (x) | 10.0839% | 1,756 |
| Efficiency ratio | 65.1884% | 5,129 |
| Assets per employee ($millions) | 2.4215% | 7,107 |
| Cash dividends to net income (ytd only)* | 99.9629% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,657 |
| Loan loss allowance to noncurrent loans | 134.4418% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9920% | 5,026 |
| Noncurrent loans to loans | 1.1765% | 4,753 |
| Net loans and leases to total assets | 63.2334% | 4,025 |
| Net loans and leases to deposits | 86.6935% | 1,979 |
| Net loans and leases to core deposits | 87.7738% | 3,083 |
| Total domestic deposits to total assets | 72.9390% | 7,002 |
| Equity capital to assets | 8.6588% | 5,642 |
| Core capital (leverage) ratio | 8.8977% | 4,705 |
| Tier 1 risk-based capital ratio | 15.8173% | 2,833 |
| Total risk-based capital ratio | 17.0739% | 2,796 |
| Memoranda: | ||
| Average total assets | $114,556,400 | 4,598 |
| Average earning assets | $104,722,000 | 4,593 |
| Average equity | $10,269,200 | 5,055 |
| Average total loans | $76,888,800 | 4,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0559% | 834 |
| Cost of funding earning assets | 1.3018% | 4,204 |
| Net interest margin | 4.7541% | 740 |
| Noninterest income to average assets | 2.6747% | 254 |
| Noninterest expense to average assets | 4.5831% | 547 |
| Loan and lease loss provision to assets | 0.2231% | 4,821 |
| Net operating income to assets | 2.2124% | 236 |
| Return on assets (ROA) | 2.3580% | 181 |
| Pretax return on assets | 2.3580% | 296 |
| Return on Equity (ROE) | 26.0898% | 96 |
| Retained earnings to average equity (ytd only) | -0.2430% | 5,836 |
| Net charge-offs to loans | 0.4312% | 3,569 |
| Credit loss provision to net charge-offs | 76.2846% | 5,244 |
| Earnings coverage of net charge-offs (x) | 8.3282% | 2,181 |
| Efficiency ratio | 65.2997% | 4,999 |
| Assets per employee ($millions) | 2.4103% | 7,188 |
| Cash dividends to net income (ytd only)* | 100.9313% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,981 |
| Loan loss allowance to noncurrent loans | 1,526.0274% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 6,250 |
| Noncurrent loans to loans | 0.0981% | 6,989 |
| Net loans and leases to total assets | 64.7194% | 3,970 |
| Net loans and leases to deposits | 91.1077% | 1,556 |
| Net loans and leases to core deposits | 92.2541% | 2,760 |
| Total domestic deposits to total assets | 71.0361% | 7,216 |
| Equity capital to assets | 9.4178% | 4,963 |
| Core capital (leverage) ratio | 8.7003% | 5,188 |
| Tier 1 risk-based capital ratio | 15.0506% | 3,229 |
| Total risk-based capital ratio | 16.3048% | 3,216 |
| Memoranda: | ||
| Average total assets | $115,348,250 | 4,650 |
| Average earning assets | $105,393,750 | 4,628 |
| Average equity | $10,425,250 | 5,079 |
| Average total loans | $78,219,250 | 4,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0268% | 882 |
| Cost of funding earning assets | 1.3165% | 4,433 |
| Net interest margin | 4.7103% | 802 |
| Noninterest income to average assets | 2.6681% | 248 |
| Noninterest expense to average assets | 4.5159% | 566 |
| Loan and lease loss provision to assets | 0.1982% | 4,886 |
| Net operating income to assets | 2.2648% | 203 |
| Return on assets (ROA) | 2.4251% | 162 |
| Pretax return on assets | 2.4251% | 262 |
| Return on Equity (ROE) | 27.2042% | 85 |
| Retained earnings to average equity (ytd only) | 2.0882% | 4,811 |
| Net charge-offs to loans | 0.0176% | 6,094 |
| Credit loss provision to net charge-offs | 1,642.8571% | 243 |
| Earnings coverage of net charge-offs (x) | 204.1429% | 167 |
| Efficiency ratio | 64.7073% | 5,203 |
| Assets per employee ($millions) | 2.4734% | 7,136 |
| Cash dividends to net income (ytd only)* | 92.3241% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 3,373 |
| Loan loss allowance to noncurrent loans | 163.5204% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 5,762 |
| Noncurrent loans to loans | 0.9897% | 5,324 |
| Net loans and leases to total assets | 67.0417% | 3,612 |
| Net loans and leases to deposits | 95.1611% | 1,129 |
| Net loans and leases to core deposits | 96.3374% | 2,409 |
| Total domestic deposits to total assets | 70.4508% | 7,300 |
| Equity capital to assets | 9.2525% | 5,072 |
| Core capital (leverage) ratio | 8.8561% | 4,822 |
| Tier 1 risk-based capital ratio | 14.5033% | 3,444 |
| Total risk-based capital ratio | 15.7605% | 3,405 |
| Memoranda: | ||
| Average total assets | $116,035,670 | 4,656 |
| Average earning assets | $106,192,330 | 4,637 |
| Average equity | $10,344,000 | 5,102 |
| Average total loans | $79,481,670 | 4,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0948% | 783 |
| Cost of funding earning assets | 1.3485% | 4,507 |
| Net interest margin | 4.7463% | 710 |
| Noninterest income to average assets | 2.3704% | 271 |
| Noninterest expense to average assets | 4.3613% | 670 |
| Loan and lease loss provision to assets | 0.2036% | 4,466 |
| Net operating income to assets | 2.1531% | 273 |
| Return on assets (ROA) | 2.2186% | 270 |
| Pretax return on assets | 2.2186% | 407 |
| Return on Equity (ROE) | 25.3699% | 153 |
| Retained earnings to average equity (ytd only) | -0.5129% | 5,952 |
| Net charge-offs to loans | 0.0804% | 4,615 |
| Credit loss provision to net charge-offs | 368.7500% | 1,107 |
| Earnings coverage of net charge-offs (x) | 42.6875% | 650 |
| Efficiency ratio | 64.9204% | 5,321 |
| Assets per employee ($millions) | 2.4014% | 7,332 |
| Cash dividends to net income (ytd only)* | 102.0218% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 3,677 |
| Loan loss allowance to noncurrent loans | 4,346.4286% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 7,280 |
| Noncurrent loans to loans | 0.0356% | 7,323 |
| Net loans and leases to total assets | 67.2502% | 3,563 |
| Net loans and leases to deposits | 95.0208% | 1,229 |
| Net loans and leases to core deposits | 95.0208% | 2,697 |
| Total domestic deposits to total assets | 70.7742% | 7,359 |
| Equity capital to assets | 8.9262% | 5,384 |
| Core capital (leverage) ratio | 8.7062% | 5,015 |
| Tier 1 risk-based capital ratio | 14.5588% | 3,349 |
| Total risk-based capital ratio | 15.8142% | 3,308 |
| Memoranda: | ||
| Average total assets | $115,928,500 | 4,725 |
| Average earning assets | $106,188,500 | 4,696 |
| Average equity | $10,138,000 | 5,201 |
| Average total loans | $79,613,500 | 4,526 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3058% | 1,018 |
| Cost of funding earning assets | 1.7417% | 4,295 |
| Net interest margin | 4.5641% | 1,048 |
| Noninterest income to average assets | 2.5284% | 268 |
| Noninterest expense to average assets | 4.4462% | 842 |
| Loan and lease loss provision to assets | 0.2427% | 5,441 |
| Net operating income to assets | 2.0370% | 213 |
| Return on assets (ROA) | 2.1452% | 182 |
| Pretax return on assets | 2.1452% | 317 |
| Return on Equity (ROE) | 24.4094% | 101 |
| Retained earnings to average equity (ytd only) | 0.4748% | 4,639 |
| Net charge-offs to loans | 0.1973% | 5,414 |
| Credit loss provision to net charge-offs | 181.5287% | 2,279 |
| Earnings coverage of net charge-offs (x) | 17.0510% | 1,212 |
| Efficiency ratio | 66.1053% | 5,376 |
| Assets per employee ($millions) | 2.4289% | 7,319 |
| Cash dividends to net income (ytd only)* | 98.0548% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 3,934 |
| Loan loss allowance to noncurrent loans | 1,248.9362% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 7,148 |
| Noncurrent loans to loans | 0.1168% | 7,128 |
| Net loans and leases to total assets | 68.0321% | 3,698 |
| Net loans and leases to deposits | 96.2667% | 1,301 |
| Net loans and leases to core deposits | 111.6007% | 2,736 |
| Total domestic deposits to total assets | 70.6705% | 7,362 |
| Equity capital to assets | 8.5660% | 5,777 |
| Core capital (leverage) ratio | 8.8535% | 4,678 |
| Tier 1 risk-based capital ratio | 14.1942% | 3,383 |
| Total risk-based capital ratio | 15.4556% | 3,330 |
| Memoranda: | ||
| Average total assets | $117,425,000 | 4,648 |
| Average earning assets | $107,995,000 | 4,627 |
| Average equity | $10,319,800 | 5,210 |
| Average total loans | $79,594,200 | 4,529 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3771% | 969 |
| Cost of funding earning assets | 1.8375% | 4,210 |
| Net interest margin | 4.5396% | 1,094 |
| Noninterest income to average assets | 2.4935% | 268 |
| Noninterest expense to average assets | 4.4102% | 820 |
| Loan and lease loss provision to assets | 0.2335% | 5,106 |
| Net operating income to assets | 2.0277% | 274 |
| Return on assets (ROA) | 2.1104% | 250 |
| Pretax return on assets | 2.1104% | 431 |
| Return on Equity (ROE) | 23.8643% | 135 |
| Retained earnings to average equity (ytd only) | 0.6024% | 4,949 |
| Net charge-offs to loans | 0.2083% | 4,735 |
| Credit loss provision to net charge-offs | 166.1290% | 2,830 |
| Earnings coverage of net charge-offs (x) | 16.0886% | 1,491 |
| Efficiency ratio | 66.1060% | 5,340 |
| Assets per employee ($millions) | 2.3789% | 7,407 |
| Cash dividends to net income (ytd only)* | 97.4760% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,796 |
| Loan loss allowance to noncurrent loans | 283.4171% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 5,690 |
| Noncurrent loans to loans | 0.5037% | 6,297 |
| Net loans and leases to total assets | 68.2174% | 3,908 |
| Net loans and leases to deposits | 93.8505% | 1,912 |
| Net loans and leases to core deposits | 110.1754% | 3,217 |
| Total domestic deposits to total assets | 72.6873% | 7,123 |
| Equity capital to assets | 9.1299% | 5,290 |
| Core capital (leverage) ratio | 8.7078% | 5,112 |
| Tier 1 risk-based capital ratio | 13.9665% | 3,566 |
| Total risk-based capital ratio | 15.2202% | 3,513 |
| Memoranda: | ||
| Average total assets | $117,634,000 | 4,656 |
| Average earning assets | $108,259,500 | 4,642 |
| Average equity | $10,403,000 | 5,228 |
| Average total loans | $79,369,750 | 4,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4050% | 1,003 |
| Cost of funding earning assets | 1.9025% | 4,251 |
| Net interest margin | 4.5025% | 1,165 |
| Noninterest income to average assets | 2.4077% | 278 |
| Noninterest expense to average assets | 4.3255% | 919 |
| Loan and lease loss provision to assets | 0.2324% | 4,725 |
| Net operating income to assets | 2.0020% | 294 |
| Return on assets (ROA) | 2.0323% | 297 |
| Pretax return on assets | 2.0323% | 516 |
| Return on Equity (ROE) | 23.2212% | 186 |
| Retained earnings to average equity (ytd only) | 0.5964% | 4,950 |
| Net charge-offs to loans | 0.0403% | 5,906 |
| Credit loss provision to net charge-offs | 862.5000% | 554 |
| Earnings coverage of net charge-offs (x) | 82.9375% | 465 |
| Efficiency ratio | 65.9394% | 5,554 |
| Assets per employee ($millions) | 2.4949% | 7,266 |
| Cash dividends to net income (ytd only)* | 97.4316% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 3,525 |
| Loan loss allowance to noncurrent loans | 1,204.1237% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 6,427 |
| Noncurrent loans to loans | 0.1195% | 7,217 |
| Net loans and leases to total assets | 68.2020% | 4,124 |
| Net loans and leases to deposits | 92.5538% | 2,358 |
| Net loans and leases to core deposits | 112.6349% | 3,061 |
| Total domestic deposits to total assets | 73.6890% | 7,001 |
| Equity capital to assets | 8.7763% | 5,633 |
| Core capital (leverage) ratio | 8.1807% | 6,008 |
| Tier 1 risk-based capital ratio | 13.9247% | 3,567 |
| Total risk-based capital ratio | 15.1821% | 3,496 |
| Memoranda: | ||
| Average total assets | $118,783,670 | 4,668 |
| Average earning assets | $109,539,670 | 4,634 |
| Average equity | $10,395,670 | 5,247 |
| Average total loans | $79,485,670 | 4,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3907% | 1,080 |
| Cost of funding earning assets | 1.9589% | 4,333 |
| Net interest margin | 4.4319% | 1,270 |
| Noninterest income to average assets | 2.2519% | 297 |
| Noninterest expense to average assets | 4.1992% | 941 |
| Loan and lease loss provision to assets | 0.2443% | 4,027 |
| Net operating income to assets | 1.9039% | 424 |
| Return on assets (ROA) | 1.9039% | 475 |
| Pretax return on assets | 1.9039% | 791 |
| Return on Equity (ROE) | 21.7841% | 316 |
| Retained earnings to average equity (ytd only) | -1.4931% | 5,999 |
| Net charge-offs to loans | 0.0203% | 5,281 |
| Credit loss provision to net charge-offs | 1,825.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 160.5000% | 273 |
| Efficiency ratio | 66.1571% | 5,299 |
| Assets per employee ($millions) | 2.6758% | 6,935 |
| Cash dividends to net income (ytd only)* | 106.8541% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,404 |
| Loan loss allowance to noncurrent loans | 287.3711% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 6,596 |
| Noncurrent loans to loans | 0.4934% | 6,193 |
| Net loans and leases to total assets | 61.6399% | 5,397 |
| Net loans and leases to deposits | 87.2804% | 3,423 |
| Net loans and leases to core deposits | 108.2305% | 3,651 |
| Total domestic deposits to total assets | 70.6228% | 7,374 |
| Equity capital to assets | 8.2736% | 6,427 |
| Core capital (leverage) ratio | 8.1193% | 6,258 |
| Tier 1 risk-based capital ratio | 14.0715% | 3,543 |
| Total risk-based capital ratio | 15.3259% | 3,469 |
| Memoranda: | ||
| Average total assets | $119,546,000 | 4,671 |
| Average earning assets | $110,472,500 | 4,626 |
| Average equity | $10,448,000 | 5,242 |
| Average total loans | $78,658,000 | 4,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9239% | 1,334 |
| Cost of funding earning assets | 2.2213% | 5,503 |
| Net interest margin | 4.7025% | 967 |
| Noninterest income to average assets | 2.6575% | 235 |
| Noninterest expense to average assets | 4.5014% | 879 |
| Loan and lease loss provision to assets | 0.3996% | 3,291 |
| Net operating income to assets | 2.1303% | 274 |
| Return on assets (ROA) | 2.2052% | 231 |
| Pretax return on assets | 2.2052% | 394 |
| Return on Equity (ROE) | 24.4985% | 155 |
| Retained earnings to average equity (ytd only) | 0.5946% | 4,883 |
| Net charge-offs to loans | 0.2494% | 3,780 |
| Credit loss provision to net charge-offs | 222.8856% | 2,141 |
| Earnings coverage of net charge-offs (x) | 14.1095% | 2,072 |
| Efficiency ratio | 64.0193% | 5,554 |
| Assets per employee ($millions) | 2.4113% | 7,384 |
| Cash dividends to net income (ytd only)* | 97.5728% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 3,594 |
| Loan loss allowance to noncurrent loans | 96.6728% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 4,441 |
| Noncurrent loans to loans | 1.3752% | 3,770 |
| Net loans and leases to total assets | 68.5038% | 4,366 |
| Net loans and leases to deposits | 94.1396% | 2,737 |
| Net loans and leases to core deposits | 112.7496% | 3,481 |
| Total domestic deposits to total assets | 72.7683% | 6,871 |
| Equity capital to assets | 9.2570% | 4,994 |
| Core capital (leverage) ratio | 8.4220% | 5,710 |
| Tier 1 risk-based capital ratio | 14.7998% | 3,147 |
| Total risk-based capital ratio | 16.0470% | 3,068 |
| Memoranda: | ||
| Average total assets | $112,099,400 | 4,725 |
| Average earning assets | $104,262,800 | 4,671 |
| Average equity | $10,090,400 | 5,384 |
| Average total loans | $80,580,200 | 4,500 |