Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 3,783 |
| Cost of funding earning assets | 1.0995% | 3,070 |
| Net interest margin | 3.0106% | 3,257 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.7581% | 1,605 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4143% | 3,837 |
| Return on assets (ROA) | 0.4143% | 3,837 |
| Pretax return on assets | 0.4908% | 3,828 |
| Return on Equity (ROE) | 8.2800% | 2,949 |
| Retained earnings to average equity (ytd only) | 5.3040% | 2,486 |
| Net charge-offs to loans | 0.0286% | 1,732 |
| Credit loss provision to net charge-offs | 180.0000% | 1,308 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,678 |
| Efficiency ratio | 84.0070% | 661 |
| Assets per employee ($millions) | 4.8721% | 3,727 |
| Cash dividends to net income (ytd only)* | 35.9357% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 3,834 |
| Loan loss allowance to noncurrent loans | 452.6882% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 2,666 |
| Noncurrent loans to loans | 0.1889% | 2,567 |
| Net loans and leases to total assets | 68.2900% | 2,001 |
| Net loans and leases to deposits | 72.5708% | 2,723 |
| Net loans and leases to core deposits | 84.7325% | 2,403 |
| Total domestic deposits to total assets | 94.1000% | 103 |
| Equity capital to assets | 5.3924% | 4,356 |
| Core capital (leverage) ratio | 7.1035% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0562% | 2,225 |
| Memoranda: | ||
| Average total assets | $210,251,200 | 2,912 |
| Average earning assets | $197,632,800 | 2,889 |
| Average equity | $10,520,400 | 3,660 |
| Average total loans | $140,060,400 | 2,768 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,807 |
| Cost of funding earning assets | 1.0217% | 2,973 |
| Net interest margin | 3.0020% | 3,341 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.7900% | 1,456 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.3817% | 3,996 |
| Return on assets (ROA) | 0.3817% | 3,992 |
| Pretax return on assets | 0.4512% | 3,990 |
| Return on Equity (ROE) | 7.7800% | 3,240 |
| Retained earnings to average equity (ytd only) | 6.0294% | 2,626 |
| Net charge-offs to loans | 0.0261% | 1,550 |
| Credit loss provision to net charge-offs | 233.3333% | 1,025 |
| Earnings coverage of net charge-offs (x) | 28.5556% | 1,615 |
| Efficiency ratio | 85.0262% | 561 |
| Assets per employee ($millions) | 4.8233% | 3,721 |
| Cash dividends to net income (ytd only)* | 22.5376% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 3,810 |
| Loan loss allowance to noncurrent loans | 337.8667% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,405 |
| Noncurrent loans to loans | 0.2593% | 2,308 |
| Net loans and leases to total assets | 67.5400% | 2,102 |
| Net loans and leases to deposits | 71.1990% | 2,758 |
| Net loans and leases to core deposits | 77.6477% | 2,760 |
| Total domestic deposits to total assets | 94.8600% | 130 |
| Equity capital to assets | 4.6950% | 4,299 |
| Core capital (leverage) ratio | 7.1108% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2126% | 2,196 |
| Memoranda: | ||
| Average total assets | $209,220,500 | 2,927 |
| Average earning assets | $196,796,500 | 2,899 |
| Average equity | $10,260,500 | 3,697 |
| Average total loans | $138,159,750 | 2,798 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 3,896 |
| Cost of funding earning assets | 0.9407% | 2,801 |
| Net interest margin | 2.9435% | 3,576 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.7644% | 1,492 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3592% | 4,076 |
| Return on assets (ROA) | 0.3592% | 4,094 |
| Pretax return on assets | 0.4255% | 4,078 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.0389% | 2,925 |
| Net charge-offs to loans | 0.0176% | 1,558 |
| Credit loss provision to net charge-offs | 366.6667% | 766 |
| Earnings coverage of net charge-offs (x) | 40.5833% | 1,391 |
| Efficiency ratio | 85.5275% | 518 |
| Assets per employee ($millions) | 4.9231% | 3,655 |
| Cash dividends to net income (ytd only)* | 30.2139% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 3,772 |
| Loan loss allowance to noncurrent loans | 236.5169% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 1,935 |
| Noncurrent loans to loans | 0.3826% | 1,778 |
| Net loans and leases to total assets | 65.3300% | 2,231 |
| Net loans and leases to deposits | 70.6735% | 2,735 |
| Net loans and leases to core deposits | 75.1761% | 2,817 |
| Total domestic deposits to total assets | 92.4400% | 333 |
| Equity capital to assets | 4.8811% | 4,395 |
| Core capital (leverage) ratio | 7.0877% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4417% | 2,120 |
| Memoranda: | ||
| Average total assets | $208,219,333 | 2,945 |
| Average earning assets | $196,231,000 | 2,920 |
| Average equity | $10,359,333 | 3,694 |
| Average total loans | $136,010,667 | 2,813 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 3,890 |
| Cost of funding earning assets | 0.8567% | 2,518 |
| Net interest margin | 2.9264% | 3,746 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7935% | 1,448 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3061% | 4,243 |
| Return on assets (ROA) | 0.3061% | 4,202 |
| Pretax return on assets | 0.3700% | 4,172 |
| Return on Equity (ROE) | 6.0900% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.5452% | 3,594 |
| Net charge-offs to loans | -0.0268% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.0773% | 463 |
| Assets per employee ($millions) | 5.1467% | 3,532 |
| Cash dividends to net income (ytd only)* | 58.2278% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,779 |
| Loan loss allowance to noncurrent loans | 326.3566% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 2,230 |
| Noncurrent loans to loans | 0.2842% | 2,130 |
| Net loans and leases to total assets | 63.9300% | 2,258 |
| Net loans and leases to deposits | 67.6936% | 2,793 |
| Net loans and leases to core deposits | 75.5459% | 2,565 |
| Total domestic deposits to total assets | 94.4400% | 134 |
| Equity capital to assets | 5.1323% | 4,399 |
| Core capital (leverage) ratio | 7.0835% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4048% | 2,220 |
| Memoranda: | ||
| Average total assets | $206,481,500 | 2,988 |
| Average earning assets | $194,235,000 | 2,969 |
| Average equity | $10,372,500 | 3,736 |
| Average total loans | $134,233,000 | 2,859 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 3,250 |
| Cost of funding earning assets | 0.3035% | 2,846 |
| Net interest margin | 3.1317% | 3,082 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.7273% | 1,495 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5085% | 4,080 |
| Return on assets (ROA) | 0.5085% | 4,038 |
| Pretax return on assets | 0.6091% | 4,014 |
| Return on Equity (ROE) | 9.0300% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.2509% | 2,552 |
| Net charge-offs to loans | 0.0051% | 2,247 |
| Credit loss provision to net charge-offs | 733.3333% | 528 |
| Earnings coverage of net charge-offs (x) | 210.1667% | 629 |
| Efficiency ratio | 81.2072% | 640 |
| Assets per employee ($millions) | 4.6964% | 3,896 |
| Cash dividends to net income (ytd only)* | 30.8071% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,668 |
| Loan loss allowance to noncurrent loans | 471.6475% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,615 |
| Noncurrent loans to loans | 0.1973% | 2,494 |
| Net loans and leases to total assets | 64.9100% | 2,153 |
| Net loans and leases to deposits | 68.5722% | 2,696 |
| Net loans and leases to core deposits | 74.1794% | 2,553 |
| Total domestic deposits to total assets | 94.6500% | 176 |
| Equity capital to assets | 4.9097% | 4,381 |
| Core capital (leverage) ratio | 7.1408% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0420% | 2,353 |
| Memoranda: | ||
| Average total assets | $199,795,800 | 3,046 |
| Average earning assets | $184,530,000 | 3,039 |
| Average equity | $11,246,400 | 3,739 |
| Average total loans | $118,552,800 | 2,939 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3294% | 3,101 |
| Cost of funding earning assets | 0.2553% | 2,652 |
| Net interest margin | 3.0741% | 3,009 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.7207% | 1,420 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4584% | 4,153 |
| Return on assets (ROA) | 0.4584% | 4,097 |
| Pretax return on assets | 0.5460% | 4,076 |
| Return on Equity (ROE) | 7.8900% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.2639% | 2,644 |
| Net charge-offs to loans | 0.0012% | 2,280 |
| Credit loss provision to net charge-offs | 3,600.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 852.0000% | 188 |
| Efficiency ratio | 82.6759% | 621 |
| Assets per employee ($millions) | 4.7297% | 3,887 |
| Cash dividends to net income (ytd only)* | 20.5839% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,589 |
| Loan loss allowance to noncurrent loans | 449.8168% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,668 |
| Noncurrent loans to loans | 0.2172% | 2,525 |
| Net loans and leases to total assets | 61.1900% | 2,385 |
| Net loans and leases to deposits | 64.5589% | 2,821 |
| Net loans and leases to core deposits | 67.7369% | 2,825 |
| Total domestic deposits to total assets | 94.7800% | 250 |
| Equity capital to assets | 4.7941% | 4,333 |
| Core capital (leverage) ratio | 7.0151% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0728% | 2,446 |
| Memoranda: | ||
| Average total assets | $199,258,000 | 3,072 |
| Average earning assets | $183,332,500 | 3,068 |
| Average equity | $11,579,250 | 3,758 |
| Average total loans | $115,114,500 | 2,979 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 3,133 |
| Cost of funding earning assets | 0.2567% | 2,173 |
| Net interest margin | 2.9173% | 3,121 |
| Noninterest income to average assets | 0.4538% | 2,421 |
| Noninterest expense to average assets | 2.7592% | 1,253 |
| Loan and lease loss provision to assets | 0.0293% | 2,067 |
| Net operating income to assets | 0.2860% | 4,313 |
| Return on assets (ROA) | 0.2860% | 4,262 |
| Pretax return on assets | 0.3305% | 4,257 |
| Return on Equity (ROE) | 4.6435% | 3,883 |
| Retained earnings to average equity (ytd only) | 2.7730% | 3,523 |
| Net charge-offs to loans | -0.0287% | 4,022 |
| Credit loss provision to net charge-offs | -181.2500% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4640% | 475 |
| Assets per employee ($millions) | 4.6517% | 3,970 |
| Cash dividends to net income (ytd only)* | 40.2827% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,260 |
| Loan loss allowance to noncurrent loans | 216.8126% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 1,915 |
| Noncurrent loans to loans | 0.4957% | 1,638 |
| Net loans and leases to total assets | 55.6770% | 2,792 |
| Net loans and leases to deposits | 58.7868% | 3,152 |
| Net loans and leases to core deposits | 61.6674% | 3,142 |
| Total domestic deposits to total assets | 94.7102% | 175 |
| Equity capital to assets | 5.0319% | 4,470 |
| Core capital (leverage) ratio | 6.9478% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7533% | 2,177 |
| Memoranda: | ||
| Average total assets | $197,885,000 | 3,110 |
| Average earning assets | $180,781,667 | 3,127 |
| Average equity | $12,189,000 | 3,768 |
| Average total loans | $111,594,333 | 3,042 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1306% | 2,875 |
| Cost of funding earning assets | 0.2590% | 2,054 |
| Net interest margin | 2.8716% | 2,921 |
| Noninterest income to average assets | 0.4319% | 2,487 |
| Noninterest expense to average assets | 2.7621% | 1,233 |
| Loan and lease loss provision to assets | 0.0206% | 1,986 |
| Net operating income to assets | 0.2324% | 4,278 |
| Return on assets (ROA) | 0.2324% | 4,245 |
| Pretax return on assets | 0.2715% | 4,227 |
| Return on Equity (ROE) | 3.4414% | 4,009 |
| Retained earnings to average equity (ytd only) | 0.6396% | 3,891 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4377% | 527 |
| Assets per employee ($millions) | 4.3849% | 4,207 |
| Cash dividends to net income (ytd only)* | 81.4159% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,412 |
| Loan loss allowance to noncurrent loans | 911.3636% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,391 |
| Noncurrent loans to loans | 0.1186% | 3,233 |
| Net loans and leases to total assets | 55.7759% | 2,548 |
| Net loans and leases to deposits | 59.5966% | 2,942 |
| Net loans and leases to core deposits | 62.7785% | 2,913 |
| Total domestic deposits to total assets | 93.5891% | 157 |
| Equity capital to assets | 6.0404% | 4,574 |
| Core capital (leverage) ratio | 7.2226% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4606% | 2,009 |
| Memoranda: | ||
| Average total assets | $194,490,000 | 3,141 |
| Average earning assets | $177,601,000 | 3,161 |
| Average equity | $13,134,000 | 3,745 |
| Average total loans | $109,794,000 | 3,066 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 2,740 |
| Cost of funding earning assets | 0.3725% | 1,737 |
| Net interest margin | 3.1005% | 2,900 |
| Noninterest income to average assets | 0.4578% | 2,774 |
| Noninterest expense to average assets | 2.7594% | 1,457 |
| Loan and lease loss provision to assets | 0.0365% | 2,311 |
| Net operating income to assets | 0.4197% | 4,244 |
| Return on assets (ROA) | 0.4687% | 4,190 |
| Pretax return on assets | 0.5554% | 4,169 |
| Return on Equity (ROE) | 5.9443% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.7394% | 3,321 |
| Net charge-offs to loans | 0.0154% | 2,003 |
| Credit loss provision to net charge-offs | 394.1176% | 916 |
| Earnings coverage of net charge-offs (x) | 57.5882% | 1,206 |
| Efficiency ratio | 83.7968% | 582 |
| Assets per employee ($millions) | 4.1665% | 4,341 |
| Cash dividends to net income (ytd only)* | 37.0930% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,349 |
| Loan loss allowance to noncurrent loans | 1,296.7391% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,655 |
| Noncurrent loans to loans | 0.0849% | 3,511 |
| Net loans and leases to total assets | 55.8985% | 2,628 |
| Net loans and leases to deposits | 60.7014% | 3,014 |
| Net loans and leases to core deposits | 64.7416% | 2,922 |
| Total domestic deposits to total assets | 92.0876% | 157 |
| Equity capital to assets | 7.4867% | 4,595 |
| Core capital (leverage) ratio | 7.2714% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8868% | 1,893 |
| Memoranda: | ||
| Average total assets | $183,484,800 | 3,181 |
| Average earning assets | $167,777,600 | 3,207 |
| Average equity | $14,467,600 | 3,693 |
| Average total loans | $110,637,000 | 3,071 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 2,669 |
| Cost of funding earning assets | 0.3995% | 1,698 |
| Net interest margin | 3.1590% | 2,861 |
| Noninterest income to average assets | 0.4600% | 2,797 |
| Noninterest expense to average assets | 2.8122% | 1,315 |
| Loan and lease loss provision to assets | 0.0463% | 2,074 |
| Net operating income to assets | 0.4174% | 4,350 |
| Return on assets (ROA) | 0.4843% | 4,281 |
| Pretax return on assets | 0.5680% | 4,274 |
| Return on Equity (ROE) | 6.0608% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.7640% | 3,306 |
| Net charge-offs to loans | 0.0120% | 1,887 |
| Credit loss provision to net charge-offs | 630.0000% | 685 |
| Earnings coverage of net charge-offs (x) | 72.9000% | 1,042 |
| Efficiency ratio | 83.9991% | 516 |
| Assets per employee ($millions) | 4.2341% | 4,311 |
| Cash dividends to net income (ytd only)* | 21.3961% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,447 |
| Loan loss allowance to noncurrent loans | 1,077.4775% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 3,741 |
| Noncurrent loans to loans | 0.1020% | 3,574 |
| Net loans and leases to total assets | 55.2727% | 2,818 |
| Net loans and leases to deposits | 60.0823% | 3,221 |
| Net loans and leases to core deposits | 64.0818% | 3,134 |
| Total domestic deposits to total assets | 91.9951% | 129 |
| Equity capital to assets | 7.5706% | 4,688 |
| Core capital (leverage) ratio | 7.3977% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0155% | 1,964 |
| Memoranda: | ||
| Average total assets | $181,441,000 | 3,232 |
| Average earning assets | $165,872,500 | 3,255 |
| Average equity | $14,497,250 | 3,737 |
| Average total loans | $111,214,250 | 3,099 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 2,728 |
| Cost of funding earning assets | 0.4269% | 1,680 |
| Net interest margin | 3.1406% | 2,925 |
| Noninterest income to average assets | 0.4542% | 2,824 |
| Noninterest expense to average assets | 2.8588% | 1,234 |
| Loan and lease loss provision to assets | 0.0542% | 1,949 |
| Net operating income to assets | 0.3436% | 4,474 |
| Return on assets (ROA) | 0.4452% | 4,352 |
| Pretax return on assets | 0.5299% | 4,337 |
| Return on Equity (ROE) | 5.4667% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.8156% | 3,580 |
| Net charge-offs to loans | -0.0018% | 3,176 |
| Credit loss provision to net charge-offs | -4,800.0000% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0544% | 475 |
| Assets per employee ($millions) | 4.1609% | 4,356 |
| Cash dividends to net income (ytd only)* | 30.2030% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,612 |
| Loan loss allowance to noncurrent loans | 96.9894% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 1,236 |
| Noncurrent loans to loans | 1.0847% | 1,117 |
| Net loans and leases to total assets | 61.2368% | 2,277 |
| Net loans and leases to deposits | 66.7323% | 2,753 |
| Net loans and leases to core deposits | 71.2906% | 2,663 |
| Total domestic deposits to total assets | 91.7648% | 178 |
| Equity capital to assets | 7.9326% | 4,567 |
| Core capital (leverage) ratio | 7.4432% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8088% | 2,045 |
| Memoranda: | ||
| Average total assets | $176,999,000 | 3,271 |
| Average earning assets | $161,625,000 | 3,295 |
| Average equity | $14,414,667 | 3,749 |
| Average total loans | $112,002,667 | 3,098 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 2,272 |
| Cost of funding earning assets | 0.4372% | 1,820 |
| Net interest margin | 3.2979% | 2,397 |
| Noninterest income to average assets | 0.4438% | 2,854 |
| Noninterest expense to average assets | 2.9018% | 1,151 |
| Loan and lease loss provision to assets | 0.0667% | 1,814 |
| Net operating income to assets | 0.3959% | 4,364 |
| Return on assets (ROA) | 0.6001% | 4,006 |
| Pretax return on assets | 0.7220% | 3,972 |
| Return on Equity (ROE) | 7.2699% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.7074% | 3,312 |
| Net charge-offs to loans | 0.0108% | 1,542 |
| Credit loss provision to net charge-offs | 966.6667% | 426 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 713 |
| Efficiency ratio | 84.2457% | 584 |
| Assets per employee ($millions) | 4.1652% | 4,367 |
| Cash dividends to net income (ytd only)* | 35.2490% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,570 |
| Loan loss allowance to noncurrent loans | 101.4757% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 1,474 |
| Noncurrent loans to loans | 1.0550% | 1,275 |
| Net loans and leases to total assets | 60.3154% | 2,504 |
| Net loans and leases to deposits | 65.9161% | 2,921 |
| Net loans and leases to core deposits | 70.5342% | 2,826 |
| Total domestic deposits to total assets | 91.5032% | 242 |
| Equity capital to assets | 8.0557% | 4,460 |
| Core capital (leverage) ratio | 8.0145% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5776% | 1,715 |
| Memoranda: | ||
| Average total assets | $173,958,000 | 3,295 |
| Average earning assets | $158,280,500 | 3,329 |
| Average equity | $14,360,500 | 3,759 |
| Average total loans | $111,351,500 | 3,112 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,085 |
| Cost of funding earning assets | 0.5406% | 2,673 |
| Net interest margin | 3.6766% | 1,883 |
| Noninterest income to average assets | 0.4705% | 2,770 |
| Noninterest expense to average assets | 3.0883% | 1,256 |
| Loan and lease loss provision to assets | 0.1246% | 2,804 |
| Net operating income to assets | 0.5316% | 3,963 |
| Return on assets (ROA) | 0.5505% | 3,999 |
| Pretax return on assets | 0.6557% | 3,973 |
| Return on Equity (ROE) | 6.0688% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.7566% | 2,947 |
| Net charge-offs to loans | 0.0055% | 3,150 |
| Credit loss provision to net charge-offs | 3,216.6667% | 310 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 473 |
| Efficiency ratio | 80.2987% | 865 |
| Assets per employee ($millions) | 3.9259% | 4,427 |
| Cash dividends to net income (ytd only)* | 38.1008% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,842 |
| Loan loss allowance to noncurrent loans | 85.9398% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 1,299 |
| Noncurrent loans to loans | 1.1717% | 1,212 |
| Net loans and leases to total assets | 66.5614% | 2,012 |
| Net loans and leases to deposits | 73.1029% | 2,579 |
| Net loans and leases to core deposits | 78.5764% | 2,500 |
| Total domestic deposits to total assets | 91.0517% | 215 |
| Equity capital to assets | 8.4667% | 4,469 |
| Core capital (leverage) ratio | 8.0911% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0229% | 1,841 |
| Memoranda: | ||
| Average total assets | $154,939,200 | 3,341 |
| Average earning assets | $142,252,800 | 3,355 |
| Average equity | $14,055,400 | 3,751 |
| Average total loans | $110,072,200 | 3,098 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 1,867 |
| Cost of funding earning assets | 0.5508% | 2,917 |
| Net interest margin | 3.8410% | 1,499 |
| Noninterest income to average assets | 0.4718% | 2,735 |
| Noninterest expense to average assets | 3.2102% | 1,060 |
| Loan and lease loss provision to assets | 0.1274% | 2,755 |
| Net operating income to assets | 0.5620% | 3,872 |
| Return on assets (ROA) | 0.5871% | 3,911 |
| Pretax return on assets | 0.6998% | 3,900 |
| Return on Equity (ROE) | 6.3540% | 3,424 |
| Retained earnings to average equity (ytd only) | 4.9537% | 2,580 |
| Net charge-offs to loans | 0.0110% | 2,712 |
| Credit loss provision to net charge-offs | 1,611.1111% | 583 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 786 |
| Efficiency ratio | 80.1010% | 865 |
| Assets per employee ($millions) | 3.7896% | 4,481 |
| Cash dividends to net income (ytd only)* | 22.0390% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,787 |
| Loan loss allowance to noncurrent loans | 86.0520% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,484 |
| Noncurrent loans to loans | 1.1370% | 1,337 |
| Net loans and leases to total assets | 67.8198% | 2,271 |
| Net loans and leases to deposits | 74.7531% | 2,887 |
| Net loans and leases to core deposits | 79.9033% | 2,853 |
| Total domestic deposits to total assets | 90.7250% | 231 |
| Equity capital to assets | 8.7724% | 4,273 |
| Core capital (leverage) ratio | 8.1882% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3341% | 1,718 |
| Memoranda: | ||
| Average total assets | $151,470,500 | 3,368 |
| Average earning assets | $139,439,000 | 3,374 |
| Average equity | $13,996,000 | 3,763 |
| Average total loans | $109,213,250 | 3,113 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 1,731 |
| Cost of funding earning assets | 0.5574% | 3,195 |
| Net interest margin | 4.0114% | 1,291 |
| Noninterest income to average assets | 0.4714% | 2,704 |
| Noninterest expense to average assets | 3.2673% | 1,046 |
| Loan and lease loss provision to assets | 0.1314% | 2,704 |
| Net operating income to assets | 0.6648% | 3,528 |
| Return on assets (ROA) | 0.7030% | 3,492 |
| Pretax return on assets | 0.8426% | 3,467 |
| Return on Equity (ROE) | 7.4696% | 2,946 |
| Retained earnings to average equity (ytd only) | 5.6706% | 2,202 |
| Net charge-offs to loans | 0.0148% | 2,450 |
| Credit loss provision to net charge-offs | 1,212.5000% | 696 |
| Earnings coverage of net charge-offs (x) | 85.6250% | 776 |
| Efficiency ratio | 77.8818% | 1,068 |
| Assets per employee ($millions) | 3.5938% | 4,607 |
| Cash dividends to net income (ytd only)* | 24.0848% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,859 |
| Loan loss allowance to noncurrent loans | 81.9608% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 1,579 |
| Noncurrent loans to loans | 1.1414% | 1,379 |
| Net loans and leases to total assets | 68.4255% | 2,278 |
| Net loans and leases to deposits | 75.2871% | 2,941 |
| Net loans and leases to core deposits | 80.4217% | 2,911 |
| Total domestic deposits to total assets | 90.8860% | 174 |
| Equity capital to assets | 8.7572% | 4,304 |
| Core capital (leverage) ratio | 8.4427% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9995% | 1,820 |
| Memoranda: | ||
| Average total assets | $147,642,667 | 3,395 |
| Average earning assets | $137,058,000 | 3,388 |
| Average equity | $13,896,333 | 3,781 |
| Average total loans | $108,415,333 | 3,123 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,502 |
| Cost of funding earning assets | 0.5516% | 3,684 |
| Net interest margin | 4.2178% | 889 |
| Noninterest income to average assets | 0.5178% | 2,456 |
| Noninterest expense to average assets | 3.4451% | 1,013 |
| Loan and lease loss provision to assets | 0.1366% | 2,018 |
| Net operating income to assets | 0.7248% | 3,187 |
| Return on assets (ROA) | 0.8051% | 2,981 |
| Pretax return on assets | 0.9701% | 2,935 |
| Return on Equity (ROE) | 8.2247% | 2,419 |
| Retained earnings to average equity (ytd only) | 5.3765% | 2,127 |
| Net charge-offs to loans | 0.0150% | 2,070 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 88.7500% | 628 |
| Efficiency ratio | 77.3308% | 1,420 |
| Assets per employee ($millions) | 3.3017% | 4,640 |
| Cash dividends to net income (ytd only)* | 34.6290% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,922 |
| Loan loss allowance to noncurrent loans | 84.5309% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,661 |
| Noncurrent loans to loans | 1.1259% | 1,472 |
| Net loans and leases to total assets | 71.6412% | 1,974 |
| Net loans and leases to deposits | 79.7285% | 2,708 |
| Net loans and leases to core deposits | 85.8132% | 2,697 |
| Total domestic deposits to total assets | 89.8564% | 371 |
| Equity capital to assets | 9.5915% | 4,139 |
| Core capital (leverage) ratio | 9.3724% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8809% | 1,945 |
| Memoranda: | ||
| Average total assets | $140,604,500 | 3,450 |
| Average earning assets | $131,254,500 | 3,432 |
| Average equity | $13,763,500 | 3,803 |
| Average total loans | $106,772,000 | 3,127 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 1,368 |
| Cost of funding earning assets | 0.4489% | 4,274 |
| Net interest margin | 4.5904% | 589 |
| Noninterest income to average assets | 0.4967% | 2,764 |
| Noninterest expense to average assets | 3.6144% | 841 |
| Loan and lease loss provision to assets | 0.0957% | 2,127 |
| Net operating income to assets | 0.8668% | 3,331 |
| Return on assets (ROA) | 0.8655% | 3,428 |
| Pretax return on assets | 1.0423% | 3,355 |
| Return on Equity (ROE) | 8.6337% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.9314% | 1,901 |
| Net charge-offs to loans | 0.0327% | 2,733 |
| Credit loss provision to net charge-offs | 367.6471% | 756 |
| Earnings coverage of net charge-offs (x) | 43.7941% | 1,233 |
| Efficiency ratio | 76.0303% | 1,369 |
| Assets per employee ($millions) | 3.1613% | 4,731 |
| Cash dividends to net income (ytd only)* | 31.2997% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,047 |
| Loan loss allowance to noncurrent loans | 84.5270% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 1,548 |
| Noncurrent loans to loans | 1.0427% | 1,450 |
| Net loans and leases to total assets | 79.0907% | 918 |
| Net loans and leases to deposits | 88.4894% | 1,773 |
| Net loans and leases to core deposits | 93.8863% | 2,073 |
| Total domestic deposits to total assets | 89.3787% | 533 |
| Equity capital to assets | 9.9996% | 3,916 |
| Core capital (leverage) ratio | 9.6145% | 3,944 |
| Tier 1 risk-based capital ratio | 13.4096% | 3,574 |
| Total risk-based capital ratio | 14.4240% | 3,585 |
| Memoranda: | ||
| Average total assets | $130,670,200 | 3,559 |
| Average earning assets | $121,186,400 | 3,547 |
| Average equity | $13,099,800 | 3,882 |
| Average total loans | $103,843,800 | 3,177 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 1,458 |
| Cost of funding earning assets | 0.4288% | 4,404 |
| Net interest margin | 4.6051% | 611 |
| Noninterest income to average assets | 0.4958% | 2,757 |
| Noninterest expense to average assets | 3.6333% | 815 |
| Loan and lease loss provision to assets | 0.1020% | 1,881 |
| Net operating income to assets | 0.8583% | 3,489 |
| Return on assets (ROA) | 0.8565% | 3,572 |
| Pretax return on assets | 1.0307% | 3,499 |
| Return on Equity (ROE) | 8.5383% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.1409% | 1,789 |
| Net charge-offs to loans | 0.0338% | 2,395 |
| Credit loss provision to net charge-offs | 380.7692% | 797 |
| Earnings coverage of net charge-offs (x) | 42.3409% | 1,317 |
| Efficiency ratio | 76.1997% | 1,309 |
| Assets per employee ($millions) | 3.1203% | 4,822 |
| Cash dividends to net income (ytd only)* | 16.3660% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,159 |
| Loan loss allowance to noncurrent loans | 80.8621% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 1,464 |
| Noncurrent loans to loans | 1.0765% | 1,474 |
| Net loans and leases to total assets | 79.6087% | 900 |
| Net loans and leases to deposits | 89.0355% | 1,808 |
| Net loans and leases to core deposits | 94.1898% | 2,164 |
| Total domestic deposits to total assets | 89.4123% | 475 |
| Equity capital to assets | 10.0824% | 3,938 |
| Core capital (leverage) ratio | 9.7305% | 3,933 |
| Tier 1 risk-based capital ratio | 13.5324% | 3,554 |
| Total risk-based capital ratio | 15.5542% | 3,078 |
| Memoranda: | ||
| Average total assets | $129,354,000 | 3,611 |
| Average earning assets | $120,009,250 | 3,601 |
| Average equity | $12,976,500 | 3,927 |
| Average total loans | $102,687,750 | 3,228 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 1,549 |
| Cost of funding earning assets | 0.4092% | 4,474 |
| Net interest margin | 4.5655% | 666 |
| Noninterest income to average assets | 0.4619% | 2,904 |
| Noninterest expense to average assets | 3.6510% | 798 |
| Loan and lease loss provision to assets | 0.1033% | 1,815 |
| Net operating income to assets | 0.7776% | 3,726 |
| Return on assets (ROA) | 0.7750% | 3,796 |
| Pretax return on assets | 0.9315% | 3,762 |
| Return on Equity (ROE) | 7.7388% | 3,410 |
| Retained earnings to average equity (ytd only) | 5.9722% | 2,292 |
| Net charge-offs to loans | 0.0198% | 2,469 |
| Credit loss provision to net charge-offs | 660.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 66.3000% | 933 |
| Efficiency ratio | 77.8631% | 1,169 |
| Assets per employee ($millions) | 3.0896% | 4,851 |
| Cash dividends to net income (ytd only)* | 22.8283% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,147 |
| Loan loss allowance to noncurrent loans | 78.5166% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,437 |
| Noncurrent loans to loans | 1.1284% | 1,445 |
| Net loans and leases to total assets | 79.3974% | 986 |
| Net loans and leases to deposits | 88.7195% | 1,903 |
| Net loans and leases to core deposits | 93.8103% | 2,257 |
| Total domestic deposits to total assets | 89.4925% | 479 |
| Equity capital to assets | 10.1383% | 3,847 |
| Core capital (leverage) ratio | 9.5948% | 4,048 |
| Tier 1 risk-based capital ratio | 13.6666% | 3,503 |
| Total risk-based capital ratio | 14.6948% | 3,512 |
| Memoranda: | ||
| Average total assets | $127,747,000 | 3,652 |
| Average earning assets | $118,279,000 | 3,641 |
| Average equity | $12,792,670 | 3,955 |
| Average total loans | $100,999,330 | 3,275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,584 |
| Cost of funding earning assets | 0.3684% | 4,610 |
| Net interest margin | 4.5335% | 694 |
| Noninterest income to average assets | 0.4229% | 3,030 |
| Noninterest expense to average assets | 3.5885% | 858 |
| Loan and lease loss provision to assets | 0.1042% | 1,700 |
| Net operating income to assets | 0.7638% | 3,736 |
| Return on assets (ROA) | 0.7638% | 3,782 |
| Pretax return on assets | 0.9247% | 3,675 |
| Return on Equity (ROE) | 7.6758% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.8212% | 2,981 |
| Net charge-offs to loans | 0.0201% | 2,052 |
| Credit loss provision to net charge-offs | 660.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 65.2000% | 878 |
| Efficiency ratio | 77.7170% | 1,301 |
| Assets per employee ($millions) | 3.0248% | 4,960 |
| Cash dividends to net income (ytd only)* | 37.1901% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,186 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 3,568 |
| Noncurrent loans to loans | 0.2351% | 3,733 |
| Net loans and leases to total assets | 77.9909% | 1,153 |
| Net loans and leases to deposits | 87.1165% | 1,988 |
| Net loans and leases to core deposits | 91.9572% | 2,303 |
| Total domestic deposits to total assets | 89.5248% | 627 |
| Equity capital to assets | 10.0438% | 3,782 |
| Core capital (leverage) ratio | 9.6084% | 4,014 |
| Tier 1 risk-based capital ratio | 13.9126% | 3,385 |
| Total risk-based capital ratio | 14.9469% | 3,412 |
| Memoranda: | ||
| Average total assets | $126,738,000 | 3,701 |
| Average earning assets | $117,260,500 | 3,696 |
| Average equity | $12,611,000 | 3,994 |
| Average total loans | $99,523,500 | 3,332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,859 |
| Cost of funding earning assets | 0.3049% | 4,553 |
| Net interest margin | 4.3839% | 975 |
| Noninterest income to average assets | 0.5312% | 2,651 |
| Noninterest expense to average assets | 3.4615% | 1,048 |
| Loan and lease loss provision to assets | 0.1028% | 2,136 |
| Net operating income to assets | 0.8358% | 3,668 |
| Return on assets (ROA) | 0.8358% | 3,666 |
| Pretax return on assets | 0.9651% | 3,713 |
| Return on Equity (ROE) | 8.9191% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.3340% | 2,016 |
| Net charge-offs to loans | 0.0787% | 2,004 |
| Credit loss provision to net charge-offs | 173.6842% | 1,618 |
| Earnings coverage of net charge-offs (x) | 18.0395% | 2,162 |
| Efficiency ratio | 76.4230% | 1,300 |
| Assets per employee ($millions) | 3.0837% | 4,938 |
| Cash dividends to net income (ytd only)* | 28.9842% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 4,282 |
| Loan loss allowance to noncurrent loans | 97.1942% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 1,682 |
| Noncurrent loans to loans | 0.8993% | 1,784 |
| Net loans and leases to total assets | 77.6743% | 1,324 |
| Net loans and leases to deposits | 86.6473% | 2,197 |
| Net loans and leases to core deposits | 91.4701% | 2,454 |
| Total domestic deposits to total assets | 89.6443% | 603 |
| Equity capital to assets | 9.8566% | 3,809 |
| Core capital (leverage) ratio | 9.4917% | 4,118 |
| Tier 1 risk-based capital ratio | 13.8393% | 3,366 |
| Total risk-based capital ratio | 14.8498% | 3,404 |
| Memoranda: | ||
| Average total assets | $128,385,200 | 3,670 |
| Average earning assets | $117,086,800 | 3,694 |
| Average equity | $12,030,400 | 4,021 |
| Average total loans | $96,629,800 | 3,361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 1,873 |
| Cost of funding earning assets | 0.2927% | 4,573 |
| Net interest margin | 4.3471% | 1,016 |
| Noninterest income to average assets | 0.5194% | 2,746 |
| Noninterest expense to average assets | 3.4659% | 1,032 |
| Loan and lease loss provision to assets | 0.1024% | 1,955 |
| Net operating income to assets | 0.7915% | 3,936 |
| Return on assets (ROA) | 0.7915% | 3,947 |
| Pretax return on assets | 0.9001% | 4,022 |
| Return on Equity (ROE) | 8.5550% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.0342% | 2,108 |
| Net charge-offs to loans | 0.0889% | 1,618 |
| Credit loss provision to net charge-offs | 154.6875% | 1,661 |
| Earnings coverage of net charge-offs (x) | 15.1409% | 2,246 |
| Efficiency ratio | 77.5643% | 1,165 |
| Assets per employee ($millions) | 3.1174% | 4,950 |
| Cash dividends to net income (ytd only)* | 17.7780% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,380 |
| Loan loss allowance to noncurrent loans | 90.2674% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 1,729 |
| Noncurrent loans to loans | 0.9602% | 1,772 |
| Net loans and leases to total assets | 75.5285% | 1,726 |
| Net loans and leases to deposits | 83.8525% | 2,616 |
| Net loans and leases to core deposits | 88.4345% | 2,801 |
| Total domestic deposits to total assets | 90.0731% | 488 |
| Equity capital to assets | 9.5295% | 4,048 |
| Core capital (leverage) ratio | 9.3117% | 4,385 |
| Tier 1 risk-based capital ratio | 13.8479% | 3,446 |
| Total risk-based capital ratio | 14.8446% | 3,480 |
| Memoranda: | ||
| Average total assets | $128,873,250 | 3,696 |
| Average earning assets | $117,071,250 | 3,735 |
| Average equity | $11,922,500 | 4,074 |
| Average total loans | $96,019,250 | 3,406 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 1,857 |
| Cost of funding earning assets | 0.2809% | 4,555 |
| Net interest margin | 4.2945% | 1,044 |
| Noninterest income to average assets | 0.4891% | 2,924 |
| Noninterest expense to average assets | 3.4482% | 1,076 |
| Loan and lease loss provision to assets | 0.1021% | 1,898 |
| Net operating income to assets | 0.7429% | 4,059 |
| Return on assets (ROA) | 0.7429% | 4,059 |
| Pretax return on assets | 0.8187% | 4,197 |
| Return on Equity (ROE) | 8.1104% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,457 |
| Net charge-offs to loans | 0.1277% | 1,159 |
| Credit loss provision to net charge-offs | 108.1967% | 1,913 |
| Earnings coverage of net charge-offs (x) | 9.7541% | 2,377 |
| Efficiency ratio | 78.9231% | 1,122 |
| Assets per employee ($millions) | 3.0750% | 5,050 |
| Cash dividends to net income (ytd only)* | 23.5417% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 4,565 |
| Loan loss allowance to noncurrent loans | 107.6720% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 2,062 |
| Noncurrent loans to loans | 0.7853% | 2,160 |
| Net loans and leases to total assets | 75.7111% | 1,682 |
| Net loans and leases to deposits | 84.1113% | 2,521 |
| Net loans and leases to core deposits | 88.7686% | 2,661 |
| Total domestic deposits to total assets | 90.0130% | 570 |
| Equity capital to assets | 9.4960% | 4,109 |
| Core capital (leverage) ratio | 9.1303% | 4,538 |
| Tier 1 risk-based capital ratio | 13.9382% | 3,386 |
| Total risk-based capital ratio | 14.9278% | 3,431 |
| Memoranda: | ||
| Average total assets | $129,226,330 | 3,717 |
| Average earning assets | $116,753,670 | 3,762 |
| Average equity | $11,836,670 | 4,110 |
| Average total loans | $95,565,670 | 3,416 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,932 |
| Cost of funding earning assets | 0.2718% | 4,567 |
| Net interest margin | 4.2074% | 1,163 |
| Noninterest income to average assets | 0.4618% | 3,044 |
| Noninterest expense to average assets | 3.3547% | 1,242 |
| Loan and lease loss provision to assets | 0.1009% | 1,840 |
| Net operating income to assets | 0.7370% | 3,958 |
| Return on assets (ROA) | 0.7370% | 3,961 |
| Pretax return on assets | 0.7462% | 4,310 |
| Return on Equity (ROE) | 8.1910% | 3,301 |
| Retained earnings to average equity (ytd only) | 5.1321% | 3,109 |
| Net charge-offs to loans | 0.1806% | 810 |
| Credit loss provision to net charge-offs | 76.7442% | 1,777 |
| Earnings coverage of net charge-offs (x) | 6.4419% | 2,159 |
| Efficiency ratio | 79.8399% | 1,159 |
| Assets per employee ($millions) | 3.4064% | 4,785 |
| Cash dividends to net income (ytd only)* | 37.3444% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,663 |
| Loan loss allowance to noncurrent loans | 141.1661% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,746 |
| Noncurrent loans to loans | 0.5979% | 2,749 |
| Net loans and leases to total assets | 68.8931% | 2,649 |
| Net loans and leases to deposits | 75.6682% | 3,249 |
| Net loans and leases to core deposits | 79.4769% | 3,364 |
| Total domestic deposits to total assets | 91.0463% | 302 |
| Equity capital to assets | 8.6352% | 4,873 |
| Core capital (leverage) ratio | 9.0466% | 4,629 |
| Tier 1 risk-based capital ratio | 13.4376% | 3,696 |
| Total risk-based capital ratio | 14.3920% | 3,788 |
| Memoranda: | ||
| Average total assets | $130,802,500 | 3,737 |
| Average earning assets | $116,271,500 | 3,806 |
| Average equity | $11,769,000 | 4,158 |
| Average total loans | $95,215,500 | 3,441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 2,012 |
| Cost of funding earning assets | 0.2662% | 4,425 |
| Net interest margin | 4.1404% | 1,324 |
| Noninterest income to average assets | 0.4175% | 3,523 |
| Noninterest expense to average assets | 3.3557% | 1,280 |
| Loan and lease loss provision to assets | 0.1085% | 2,073 |
| Net operating income to assets | 0.5228% | 4,316 |
| Return on assets (ROA) | 0.5228% | 4,348 |
| Pretax return on assets | 0.7241% | 4,452 |
| Return on Equity (ROE) | 5.6675% | 3,884 |
| Retained earnings to average equity (ytd only) | 2.9883% | 3,510 |
| Net charge-offs to loans | 0.0962% | 2,120 |
| Credit loss provision to net charge-offs | 152.2222% | 1,755 |
| Earnings coverage of net charge-offs (x) | 11.6778% | 2,542 |
| Efficiency ratio | 80.1211% | 1,089 |
| Assets per employee ($millions) | 3.1337% | 5,096 |
| Cash dividends to net income (ytd only)* | 47.2727% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,682 |
| Loan loss allowance to noncurrent loans | 162.1242% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,806 |
| Noncurrent loans to loans | 0.5211% | 2,951 |
| Net loans and leases to total assets | 75.7501% | 1,645 |
| Net loans and leases to deposits | 84.0841% | 2,481 |
| Net loans and leases to core deposits | 88.7493% | 2,664 |
| Total domestic deposits to total assets | 90.0885% | 540 |
| Equity capital to assets | 9.3914% | 4,339 |
| Core capital (leverage) ratio | 8.8909% | 4,766 |
| Tier 1 risk-based capital ratio | 13.4650% | 3,647 |
| Total risk-based capital ratio | 14.4466% | 3,715 |
| Memoranda: | ||
| Average total assets | $126,231,800 | 3,803 |
| Average earning assets | $114,965,200 | 3,829 |
| Average equity | $11,645,400 | 4,198 |
| Average total loans | $93,534,600 | 3,459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 2,034 |
| Cost of funding earning assets | 0.2643% | 4,442 |
| Net interest margin | 4.1106% | 1,368 |
| Noninterest income to average assets | 0.4091% | 3,624 |
| Noninterest expense to average assets | 3.3646% | 1,216 |
| Loan and lease loss provision to assets | 0.1065% | 1,993 |
| Net operating income to assets | 0.5072% | 4,710 |
| Return on assets (ROA) | 0.5072% | 4,742 |
| Pretax return on assets | 0.6601% | 4,706 |
| Return on Equity (ROE) | 5.5221% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,577 |
| Net charge-offs to loans | 0.1248% | 1,537 |
| Credit loss provision to net charge-offs | 116.0920% | 2,060 |
| Earnings coverage of net charge-offs (x) | 8.3561% | 2,792 |
| Efficiency ratio | 81.4446% | 964 |
| Assets per employee ($millions) | 3.1343% | 5,139 |
| Cash dividends to net income (ytd only)* | 28.6908% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 4,823 |
| Loan loss allowance to noncurrent loans | 146.1394% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 2,976 |
| Noncurrent loans to loans | 0.5650% | 3,004 |
| Net loans and leases to total assets | 74.3447% | 1,867 |
| Net loans and leases to deposits | 82.4832% | 2,725 |
| Net loans and leases to core deposits | 86.8066% | 2,890 |
| Total domestic deposits to total assets | 90.1332% | 431 |
| Equity capital to assets | 9.4775% | 4,466 |
| Core capital (leverage) ratio | 8.9397% | 4,815 |
| Tier 1 risk-based capital ratio | 13.5821% | 3,648 |
| Total risk-based capital ratio | 14.5350% | 3,748 |
| Memoranda: | ||
| Average total assets | $126,452,500 | 3,840 |
| Average earning assets | $114,497,750 | 3,874 |
| Average equity | $11,613,750 | 4,244 |
| Average total loans | $92,978,000 | 3,500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,026 |
| Cost of funding earning assets | 0.2670% | 4,400 |
| Net interest margin | 4.0653% | 1,417 |
| Noninterest income to average assets | 0.3895% | 3,753 |
| Noninterest expense to average assets | 3.3482% | 1,275 |
| Loan and lease loss provision to assets | 0.1025% | 1,974 |
| Net operating income to assets | 0.4511% | 4,854 |
| Return on assets (ROA) | 0.4511% | 4,874 |
| Pretax return on assets | 0.5883% | 4,832 |
| Return on Equity (ROE) | 4.9634% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.9676% | 3,951 |
| Net charge-offs to loans | 0.1576% | 1,220 |
| Credit loss provision to net charge-offs | 89.0411% | 2,155 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,758 |
| Efficiency ratio | 82.8973% | 931 |
| Assets per employee ($millions) | 3.1457% | 5,150 |
| Cash dividends to net income (ytd only)* | 40.2098% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 4,933 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 2,488 |
| Noncurrent loans to loans | 0.5583% | 3,064 |
| Net loans and leases to total assets | 73.7048% | 1,927 |
| Net loans and leases to deposits | 81.5666% | 2,739 |
| Net loans and leases to core deposits | 85.8079% | 2,899 |
| Total domestic deposits to total assets | 90.3615% | 406 |
| Equity capital to assets | 9.3269% | 4,590 |
| Core capital (leverage) ratio | 8.7561% | 4,998 |
| Tier 1 risk-based capital ratio | 13.3790% | 3,761 |
| Total risk-based capital ratio | 14.3054% | 3,879 |
| Memoranda: | ||
| Average total assets | $126,813,330 | 3,855 |
| Average earning assets | $113,842,330 | 3,912 |
| Average equity | $11,524,330 | 4,270 |
| Average total loans | $92,643,330 | 3,519 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 2,021 |
| Cost of funding earning assets | 0.2669% | 4,387 |
| Net interest margin | 4.0110% | 1,440 |
| Noninterest income to average assets | 0.4619% | 3,238 |
| Noninterest expense to average assets | 3.3117% | 1,365 |
| Loan and lease loss provision to assets | 0.1037% | 1,842 |
| Net operating income to assets | 0.4556% | 4,756 |
| Return on assets (ROA) | 0.4556% | 4,777 |
| Pretax return on assets | 0.5876% | 4,758 |
| Return on Equity (ROE) | 5.0795% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.8917% | 4,368 |
| Net charge-offs to loans | 0.2689% | 680 |
| Credit loss provision to net charge-offs | 53.2258% | 1,959 |
| Earnings coverage of net charge-offs (x) | 3.5484% | 2,471 |
| Efficiency ratio | 82.7316% | 1,092 |
| Assets per employee ($millions) | 3.3251% | 5,024 |
| Cash dividends to net income (ytd only)* | 62.7586% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 5,080 |
| Loan loss allowance to noncurrent loans | 122.5753% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 2,390 |
| Noncurrent loans to loans | 0.6487% | 2,883 |
| Net loans and leases to total assets | 68.7591% | 2,562 |
| Net loans and leases to deposits | 75.5481% | 3,249 |
| Net loans and leases to core deposits | 79.2209% | 3,363 |
| Total domestic deposits to total assets | 91.0137% | 298 |
| Equity capital to assets | 8.6382% | 5,119 |
| Core capital (leverage) ratio | 8.9094% | 4,832 |
| Tier 1 risk-based capital ratio | 13.1503% | 3,994 |
| Total risk-based capital ratio | 14.0452% | 4,096 |
| Memoranda: | ||
| Average total assets | $127,305,500 | 3,889 |
| Average earning assets | $112,391,000 | 3,974 |
| Average equity | $11,418,500 | 4,319 |
| Average total loans | $92,217,000 | 3,549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 1,879 |
| Cost of funding earning assets | 0.2681% | 4,388 |
| Net interest margin | 4.1126% | 1,356 |
| Noninterest income to average assets | 0.3938% | 3,938 |
| Noninterest expense to average assets | 3.4175% | 1,317 |
| Loan and lease loss provision to assets | 0.1072% | 2,256 |
| Net operating income to assets | 0.4569% | 4,776 |
| Return on assets (ROA) | 0.5172% | 4,646 |
| Pretax return on assets | 0.6861% | 4,538 |
| Return on Equity (ROE) | 5.5705% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.9033% | 3,831 |
| Net charge-offs to loans | 0.1711% | 1,592 |
| Credit loss provision to net charge-offs | 83.0189% | 2,929 |
| Earnings coverage of net charge-offs (x) | 5.5220% | 3,324 |
| Efficiency ratio | 82.7403% | 1,121 |
| Assets per employee ($millions) | 2.9661% | 5,377 |
| Cash dividends to net income (ytd only)* | 47.8807% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 5,031 |
| Loan loss allowance to noncurrent loans | 117.4114% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 2,090 |
| Noncurrent loans to loans | 0.7035% | 2,778 |
| Net loans and leases to total assets | 75.2313% | 1,649 |
| Net loans and leases to deposits | 83.4181% | 2,487 |
| Net loans and leases to core deposits | 87.9109% | 2,686 |
| Total domestic deposits to total assets | 90.1858% | 566 |
| Equity capital to assets | 9.3315% | 4,439 |
| Core capital (leverage) ratio | 8.7459% | 5,028 |
| Tier 1 risk-based capital ratio | 13.2502% | 3,922 |
| Total risk-based capital ratio | 14.1923% | 4,010 |
| Memoranda: | ||
| Average total assets | $123,161,800 | 3,939 |
| Average earning assets | $111,900,200 | 3,972 |
| Average equity | $11,435,200 | 4,347 |
| Average total loans | $92,934,800 | 3,519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 1,937 |
| Cost of funding earning assets | 0.2686% | 4,402 |
| Net interest margin | 4.1046% | 1,373 |
| Noninterest income to average assets | 0.3550% | 4,249 |
| Noninterest expense to average assets | 3.4900% | 1,170 |
| Loan and lease loss provision to assets | 0.1068% | 2,147 |
| Net operating income to assets | 0.3666% | 5,123 |
| Return on assets (ROA) | 0.4468% | 4,968 |
| Pretax return on assets | 0.5925% | 4,899 |
| Return on Equity (ROE) | 4.8179% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.2701% | 3,944 |
| Net charge-offs to loans | 0.2177% | 1,069 |
| Credit loss provision to net charge-offs | 65.1316% | 2,857 |
| Earnings coverage of net charge-offs (x) | 3.6119% | 3,384 |
| Efficiency ratio | 85.4877% | 869 |
| Assets per employee ($millions) | 3.0675% | 5,322 |
| Cash dividends to net income (ytd only)* | 32.1256% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,202 |
| Loan loss allowance to noncurrent loans | 176.9231% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 2,779 |
| Noncurrent loans to loans | 0.4486% | 3,671 |
| Net loans and leases to total assets | 74.9784% | 1,708 |
| Net loans and leases to deposits | 83.2597% | 2,576 |
| Net loans and leases to core deposits | 87.2365% | 2,828 |
| Total domestic deposits to total assets | 90.0536% | 466 |
| Equity capital to assets | 9.4598% | 4,702 |
| Core capital (leverage) ratio | 8.6594% | 5,205 |
| Tier 1 risk-based capital ratio | 13.3616% | 3,948 |
| Total risk-based capital ratio | 14.2836% | 4,055 |
| Memoranda: | ||
| Average total assets | $123,550,000 | 3,957 |
| Average earning assets | $112,197,750 | 3,992 |
| Average equity | $11,457,000 | 4,383 |
| Average total loans | $93,106,000 | 3,530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 1,978 |
| Cost of funding earning assets | 0.2649% | 4,501 |
| Net interest margin | 4.0880% | 1,396 |
| Noninterest income to average assets | 0.4183% | 3,755 |
| Noninterest expense to average assets | 3.5321% | 1,110 |
| Loan and lease loss provision to assets | 0.1066% | 2,079 |
| Net operating income to assets | 0.3670% | 5,132 |
| Return on assets (ROA) | 0.4312% | 5,024 |
| Pretax return on assets | 0.5507% | 5,023 |
| Return on Equity (ROE) | 4.6813% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.7878% | 4,124 |
| Net charge-offs to loans | 0.1030% | 1,802 |
| Credit loss provision to net charge-offs | 137.5000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 2,632 |
| Efficiency ratio | 86.0008% | 882 |
| Assets per employee ($millions) | 3.0170% | 5,410 |
| Cash dividends to net income (ytd only)* | 40.4494% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 5,080 |
| Loan loss allowance to noncurrent loans | 94.8296% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 1,984 |
| Noncurrent loans to loans | 0.9115% | 2,459 |
| Net loans and leases to total assets | 74.8221% | 1,680 |
| Net loans and leases to deposits | 82.8287% | 2,614 |
| Net loans and leases to core deposits | 87.1898% | 2,798 |
| Total domestic deposits to total assets | 90.3336% | 374 |
| Equity capital to assets | 9.3059% | 4,964 |
| Core capital (leverage) ratio | 8.5116% | 5,356 |
| Tier 1 risk-based capital ratio | 12.7726% | 4,332 |
| Total risk-based capital ratio | 13.7501% | 4,437 |
| Memoranda: | ||
| Average total assets | $123,834,000 | 3,980 |
| Average earning assets | $111,742,000 | 4,026 |
| Average equity | $11,407,000 | 4,416 |
| Average total loans | $93,230,330 | 3,540 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 1,810 |
| Cost of funding earning assets | 0.2607% | 4,604 |
| Net interest margin | 4.1356% | 1,246 |
| Noninterest income to average assets | 0.4100% | 3,750 |
| Noninterest expense to average assets | 3.3446% | 1,497 |
| Loan and lease loss provision to assets | 0.1065% | 1,921 |
| Net operating income to assets | 0.4890% | 4,675 |
| Return on assets (ROA) | 0.4939% | 4,752 |
| Pretax return on assets | 0.6521% | 4,672 |
| Return on Equity (ROE) | 5.3897% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.3602% | 4,306 |
| Net charge-offs to loans | 0.2018% | 987 |
| Credit loss provision to net charge-offs | 70.2128% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.9574% | 2,376 |
| Efficiency ratio | 81.6391% | 1,405 |
| Assets per employee ($millions) | 3.1750% | 5,310 |
| Cash dividends to net income (ytd only)* | 56.2092% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 5,301 |
| Loan loss allowance to noncurrent loans | 86.0155% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 2,095 |
| Noncurrent loans to loans | 0.9576% | 2,462 |
| Net loans and leases to total assets | 71.6868% | 2,088 |
| Net loans and leases to deposits | 78.9361% | 2,903 |
| Net loans and leases to core deposits | 82.8479% | 3,056 |
| Total domestic deposits to total assets | 90.8163% | 325 |
| Equity capital to assets | 8.7766% | 5,361 |
| Core capital (leverage) ratio | 8.7724% | 5,099 |
| Tier 1 risk-based capital ratio | 12.4720% | 4,599 |
| Total risk-based capital ratio | 13.3967% | 4,716 |
| Memoranda: | ||
| Average total assets | $123,903,000 | 4,007 |
| Average earning assets | $110,455,000 | 4,082 |
| Average equity | $11,355,000 | 4,437 |
| Average total loans | $93,166,000 | 3,552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 1,896 |
| Cost of funding earning assets | 0.2893% | 4,376 |
| Net interest margin | 4.1118% | 1,385 |
| Noninterest income to average assets | 0.3464% | 4,431 |
| Noninterest expense to average assets | 3.2723% | 1,782 |
| Loan and lease loss provision to assets | 0.1411% | 1,681 |
| Net operating income to assets | 0.5574% | 4,469 |
| Return on assets (ROA) | 0.5995% | 4,374 |
| Pretax return on assets | 0.7800% | 4,258 |
| Return on Equity (ROE) | 6.3545% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.7438% | 3,383 |
| Net charge-offs to loans | 0.3064% | 983 |
| Credit loss provision to net charge-offs | 59.5668% | 3,272 |
| Earnings coverage of net charge-offs (x) | 3.6570% | 3,684 |
| Efficiency ratio | 78.9833% | 1,820 |
| Assets per employee ($millions) | 2.8690% | 5,643 |
| Cash dividends to net income (ytd only)* | 41.0842% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 5,252 |
| Loan loss allowance to noncurrent loans | 130.6291% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 2,373 |
| Noncurrent loans to loans | 0.6548% | 3,229 |
| Net loans and leases to total assets | 77.7429% | 1,155 |
| Net loans and leases to deposits | 86.4022% | 2,076 |
| Net loans and leases to core deposits | 91.6635% | 2,257 |
| Total domestic deposits to total assets | 89.9779% | 639 |
| Equity capital to assets | 9.5936% | 4,444 |
| Core capital (leverage) ratio | 8.8394% | 5,068 |
| Tier 1 risk-based capital ratio | 13.0790% | 4,258 |
| Total risk-based capital ratio | 14.0727% | 4,335 |
| Memoranda: | ||
| Average total assets | $116,921,400 | 4,116 |
| Average earning assets | $107,835,400 | 4,097 |
| Average equity | $11,031,600 | 4,476 |
| Average total loans | $90,400,800 | 3,582 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,954 |
| Cost of funding earning assets | 0.2937% | 4,409 |
| Net interest margin | 4.0958% | 1,414 |
| Noninterest income to average assets | 0.3518% | 4,424 |
| Noninterest expense to average assets | 3.3177% | 1,653 |
| Loan and lease loss provision to assets | 0.1302% | 1,731 |
| Net operating income to assets | 0.5227% | 4,712 |
| Return on assets (ROA) | 0.5790% | 4,579 |
| Pretax return on assets | 0.7515% | 4,486 |
| Return on Equity (ROE) | 6.1631% | 4,082 |
| Retained earnings to average equity (ytd only) | 2.6621% | 4,519 |
| Net charge-offs to loans | 0.3958% | 649 |
| Credit loss provision to net charge-offs | 42.6966% | 3,129 |
| Earnings coverage of net charge-offs (x) | 2.6517% | 3,629 |
| Efficiency ratio | 80.2934% | 1,618 |
| Assets per employee ($millions) | 2.8472% | 5,707 |
| Cash dividends to net income (ytd only)* | 56.8049% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 5,482 |
| Loan loss allowance to noncurrent loans | 89.2601% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0905% | 2,178 |
| Noncurrent loans to loans | 0.9121% | 2,695 |
| Net loans and leases to total assets | 78.0633% | 1,087 |
| Net loans and leases to deposits | 86.7332% | 2,060 |
| Net loans and leases to core deposits | 91.1326% | 2,343 |
| Total domestic deposits to total assets | 90.0039% | 562 |
| Equity capital to assets | 9.5275% | 4,721 |
| Core capital (leverage) ratio | 8.7286% | 5,317 |
| Tier 1 risk-based capital ratio | 12.7620% | 4,571 |
| Total risk-based capital ratio | 13.6988% | 4,698 |
| Memoranda: | ||
| Average total assets | $116,744,250 | 4,164 |
| Average earning assets | $107,586,500 | 4,152 |
| Average equity | $10,968,250 | 4,540 |
| Average total loans | $89,941,500 | 3,624 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,025 |
| Cost of funding earning assets | 0.3033% | 4,364 |
| Net interest margin | 4.0432% | 1,513 |
| Noninterest income to average assets | 0.2895% | 4,893 |
| Noninterest expense to average assets | 3.3337% | 1,621 |
| Loan and lease loss provision to assets | 0.1131% | 1,945 |
| Net operating income to assets | 0.4381% | 5,013 |
| Return on assets (ROA) | 0.5225% | 4,775 |
| Pretax return on assets | 0.6750% | 4,736 |
| Return on Equity (ROE) | 5.5876% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.3114% | 5,411 |
| Net charge-offs to loans | 0.5756% | 421 |
| Credit loss provision to net charge-offs | 25.6809% | 2,965 |
| Earnings coverage of net charge-offs (x) | 1.5409% | 3,495 |
| Efficiency ratio | 82.9206% | 1,383 |
| Assets per employee ($millions) | 2.8366% | 5,778 |
| Cash dividends to net income (ytd only)* | 94.4262% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,624 |
| Loan loss allowance to noncurrent loans | 142.0000% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 2,974 |
| Noncurrent loans to loans | 0.5561% | 3,788 |
| Net loans and leases to total assets | 76.6971% | 1,275 |
| Net loans and leases to deposits | 84.8495% | 2,204 |
| Net loans and leases to core deposits | 88.7039% | 2,483 |
| Total domestic deposits to total assets | 90.3920% | 498 |
| Equity capital to assets | 9.3285% | 4,862 |
| Core capital (leverage) ratio | 8.6006% | 5,441 |
| Tier 1 risk-based capital ratio | 12.7683% | 4,642 |
| Total risk-based capital ratio | 13.6758% | 4,775 |
| Memoranda: | ||
| Average total assets | $116,747,000 | 4,210 |
| Average earning assets | $107,488,330 | 4,193 |
| Average equity | $10,917,000 | 4,575 |
| Average total loans | $89,296,670 | 3,658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,095 |
| Cost of funding earning assets | 0.3082% | 4,349 |
| Net interest margin | 3.9955% | 1,572 |
| Noninterest income to average assets | 0.4343% | 3,736 |
| Noninterest expense to average assets | 3.3376% | 1,631 |
| Loan and lease loss provision to assets | 0.1128% | 1,830 |
| Net operating income to assets | 0.5095% | 4,632 |
| Return on assets (ROA) | 0.5095% | 4,752 |
| Pretax return on assets | 0.6634% | 4,717 |
| Return on Equity (ROE) | 5.4424% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.1916% | 4,589 |
| Net charge-offs to loans | 0.0045% | 3,167 |
| Credit loss provision to net charge-offs | 3,300.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 227.0000% | 246 |
| Efficiency ratio | 80.7980% | 1,786 |
| Assets per employee ($millions) | 2.9492% | 5,734 |
| Cash dividends to net income (ytd only)* | 59.7315% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,810 |
| Loan loss allowance to noncurrent loans | 87.6880% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 2,006 |
| Noncurrent loans to loans | 1.1886% | 2,392 |
| Net loans and leases to total assets | 73.2573% | 1,606 |
| Net loans and leases to deposits | 81.0085% | 2,450 |
| Net loans and leases to core deposits | 84.5377% | 2,709 |
| Total domestic deposits to total assets | 90.4316% | 551 |
| Equity capital to assets | 9.1094% | 5,186 |
| Core capital (leverage) ratio | 8.7077% | 5,316 |
| Tier 1 risk-based capital ratio | 12.9031% | 4,661 |
| Total risk-based capital ratio | 14.1031% | 4,606 |
| Memoranda: | ||
| Average total assets | $116,971,000 | 4,240 |
| Average earning assets | $107,721,000 | 4,220 |
| Average equity | $10,951,000 | 4,605 |
| Average total loans | $88,991,000 | 3,671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,436 |
| Cost of funding earning assets | 0.3512% | 4,236 |
| Net interest margin | 3.9940% | 1,917 |
| Noninterest income to average assets | 0.4751% | 3,673 |
| Noninterest expense to average assets | 3.4444% | 1,615 |
| Loan and lease loss provision to assets | 0.1048% | 2,403 |
| Net operating income to assets | 0.4690% | 4,926 |
| Return on assets (ROA) | 0.4690% | 5,030 |
| Pretax return on assets | 0.6201% | 4,872 |
| Return on Equity (ROE) | 5.0125% | 4,656 |
| Retained earnings to average equity (ytd only) | 2.3989% | 4,528 |
| Net charge-offs to loans | 0.0870% | 3,247 |
| Credit loss provision to net charge-offs | 162.1622% | 1,496 |
| Earnings coverage of net charge-offs (x) | 11.2162% | 2,523 |
| Efficiency ratio | 82.0695% | 1,653 |
| Assets per employee ($millions) | 2.7567% | 5,975 |
| Cash dividends to net income (ytd only)* | 52.1415% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 4,953 |
| Loan loss allowance to noncurrent loans | 74.8961% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5068% | 1,811 |
| Noncurrent loans to loans | 1.3598% | 2,163 |
| Net loans and leases to total assets | 77.4763% | 1,070 |
| Net loans and leases to deposits | 86.0862% | 1,970 |
| Net loans and leases to core deposits | 90.1283% | 2,267 |
| Total domestic deposits to total assets | 89.9985% | 731 |
| Equity capital to assets | 9.6326% | 4,552 |
| Core capital (leverage) ratio | 8.7299% | 5,321 |
| Tier 1 risk-based capital ratio | 13.3504% | 4,506 |
| Total risk-based capital ratio | 14.5572% | 4,464 |
| Memoranda: | ||
| Average total assets | $114,505,600 | 4,286 |
| Average earning assets | $105,909,000 | 4,272 |
| Average equity | $10,713,200 | 4,617 |
| Average total loans | $85,022,800 | 3,739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,640 |
| Cost of funding earning assets | 0.3545% | 4,297 |
| Net interest margin | 3.9439% | 2,061 |
| Noninterest income to average assets | 0.4712% | 3,735 |
| Noninterest expense to average assets | 3.4831% | 1,497 |
| Loan and lease loss provision to assets | 0.1149% | 2,137 |
| Net operating income to assets | 0.4132% | 5,200 |
| Return on assets (ROA) | 0.4132% | 5,273 |
| Pretax return on assets | 0.5142% | 5,289 |
| Return on Equity (ROE) | 4.4486% | 4,989 |
| Retained earnings to average equity (ytd only) | 2.8366% | 4,584 |
| Net charge-offs to loans | 0.0459% | 3,573 |
| Credit loss provision to net charge-offs | 341.3793% | 821 |
| Earnings coverage of net charge-offs (x) | 18.6876% | 1,826 |
| Efficiency ratio | 84.1377% | 1,375 |
| Assets per employee ($millions) | 2.7619% | 6,016 |
| Cash dividends to net income (ytd only)* | 36.2372% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 4,899 |
| Loan loss allowance to noncurrent loans | 83.7104% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.4174% | 2,182 |
| Noncurrent loans to loans | 1.2748% | 2,511 |
| Net loans and leases to total assets | 75.7286% | 1,259 |
| Net loans and leases to deposits | 84.0854% | 2,137 |
| Net loans and leases to core deposits | 88.7032% | 2,350 |
| Total domestic deposits to total assets | 90.0615% | 708 |
| Equity capital to assets | 9.5747% | 4,703 |
| Core capital (leverage) ratio | 8.7313% | 5,405 |
| Tier 1 risk-based capital ratio | 13.5084% | 4,533 |
| Total risk-based capital ratio | 14.7585% | 4,474 |
| Memoranda: | ||
| Average total assets | $114,876,250 | 4,321 |
| Average earning assets | $106,051,000 | 4,302 |
| Average equity | $10,669,750 | 4,654 |
| Average total loans | $84,161,750 | 3,794 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,831 |
| Cost of funding earning assets | 0.3567% | 4,356 |
| Net interest margin | 3.8772% | 2,265 |
| Noninterest income to average assets | 0.4626% | 3,765 |
| Noninterest expense to average assets | 3.4690% | 1,537 |
| Loan and lease loss provision to assets | 0.1144% | 2,126 |
| Net operating income to assets | 0.3743% | 5,315 |
| Return on assets (ROA) | 0.3743% | 5,383 |
| Pretax return on assets | 0.4574% | 5,400 |
| Return on Equity (ROE) | 4.0707% | 5,110 |
| Retained earnings to average equity (ytd only) | 2.0354% | 4,872 |
| Net charge-offs to loans | 0.0768% | 2,922 |
| Credit loss provision to net charge-offs | 206.2500% | 1,138 |
| Earnings coverage of net charge-offs (x) | 10.3125% | 2,263 |
| Efficiency ratio | 85.2916% | 1,344 |
| Assets per employee ($millions) | 2.8010% | 6,026 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,086 |
| Loan loss allowance to noncurrent loans | 87.3281% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3218% | 2,472 |
| Noncurrent loans to loans | 1.2102% | 2,812 |
| Net loans and leases to total assets | 72.4721% | 1,654 |
| Net loans and leases to deposits | 80.2026% | 2,493 |
| Net loans and leases to core deposits | 83.8847% | 2,751 |
| Total domestic deposits to total assets | 90.3614% | 636 |
| Equity capital to assets | 9.3356% | 4,940 |
| Core capital (leverage) ratio | 8.6160% | 5,517 |
| Tier 1 risk-based capital ratio | 13.5915% | 4,534 |
| Total risk-based capital ratio | 14.8237% | 4,478 |
| Memoranda: | ||
| Average total assets | $115,423,000 | 4,341 |
| Average earning assets | $106,520,670 | 4,312 |
| Average equity | $10,612,330 | 4,680 |
| Average total loans | $83,323,330 | 3,825 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,986 |
| Cost of funding earning assets | 0.3590% | 4,449 |
| Net interest margin | 3.8104% | 2,429 |
| Noninterest income to average assets | 0.4459% | 3,816 |
| Noninterest expense to average assets | 3.3946% | 1,713 |
| Loan and lease loss provision to assets | 0.1141% | 2,050 |
| Net operating income to assets | 0.3802% | 5,191 |
| Return on assets (ROA) | 0.3802% | 5,265 |
| Pretax return on assets | 0.4598% | 5,288 |
| Return on Equity (ROE) | 4.1675% | 4,954 |
| Retained earnings to average equity (ytd only) | 0.9093% | 5,234 |
| Net charge-offs to loans | 0.1495% | 1,818 |
| Credit loss provision to net charge-offs | 106.4516% | 1,577 |
| Earnings coverage of net charge-offs (x) | 5.3548% | 2,384 |
| Efficiency ratio | 84.9303% | 1,557 |
| Assets per employee ($millions) | 3.0821% | 5,723 |
| Cash dividends to net income (ytd only)* | 78.1818% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 5,340 |
| Loan loss allowance to noncurrent loans | 90.3056% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 2,809 |
| Noncurrent loans to loans | 1.1543% | 3,122 |
| Net loans and leases to total assets | 67.6872% | 2,269 |
| Net loans and leases to deposits | 74.4462% | 3,018 |
| Net loans and leases to core deposits | 78.0207% | 3,199 |
| Total domestic deposits to total assets | 90.9210% | 605 |
| Equity capital to assets | 8.8020% | 5,332 |
| Core capital (leverage) ratio | 8.5496% | 5,585 |
| Tier 1 risk-based capital ratio | 13.6985% | 4,541 |
| Total risk-based capital ratio | 14.9069% | 4,526 |
| Memoranda: | ||
| Average total assets | $115,714,500 | 4,372 |
| Average earning assets | $106,971,000 | 4,340 |
| Average equity | $10,558,000 | 4,715 |
| Average total loans | $82,927,000 | 3,861 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 2,104 |
| Cost of funding earning assets | 0.4218% | 4,412 |
| Net interest margin | 4.1048% | 1,623 |
| Noninterest income to average assets | 0.4797% | 3,886 |
| Noninterest expense to average assets | 3.4273% | 1,819 |
| Loan and lease loss provision to assets | 0.2231% | 1,633 |
| Net operating income to assets | 0.4674% | 4,883 |
| Return on assets (ROA) | 0.4674% | 5,013 |
| Pretax return on assets | 0.6019% | 4,870 |
| Return on Equity (ROE) | 4.9939% | 4,635 |
| Retained earnings to average equity (ytd only) | 2.9226% | 4,165 |
| Net charge-offs to loans | 0.1592% | 3,211 |
| Credit loss provision to net charge-offs | 190.9091% | 1,196 |
| Earnings coverage of net charge-offs (x) | 7.0606% | 2,921 |
| Efficiency ratio | 80.0375% | 2,144 |
| Assets per employee ($millions) | 2.7129% | 6,206 |
| Cash dividends to net income (ytd only)* | 41.4773% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 5,451 |
| Loan loss allowance to noncurrent loans | 137.9032% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 3,523 |
| Noncurrent loans to loans | 0.7413% | 4,106 |
| Net loans and leases to total assets | 74.4248% | 1,290 |
| Net loans and leases to deposits | 82.4851% | 2,134 |
| Net loans and leases to core deposits | 85.9135% | 2,456 |
| Total domestic deposits to total assets | 90.2283% | 947 |
| Equity capital to assets | 9.4723% | 4,467 |
| Core capital (leverage) ratio | 8.6638% | 5,460 |
| Tier 1 risk-based capital ratio | 13.4866% | 4,664 |
| Total risk-based capital ratio | 14.6772% | 4,647 |
| Memoranda: | ||
| Average total assets | $112,976,600 | 4,435 |
| Average earning assets | $103,828,800 | 4,412 |
| Average equity | $10,572,800 | 4,729 |
| Average total loans | $82,932,400 | 3,853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,189 |
| Cost of funding earning assets | 0.4266% | 4,532 |
| Net interest margin | 4.0838% | 1,679 |
| Noninterest income to average assets | 0.4738% | 3,981 |
| Noninterest expense to average assets | 3.4563% | 1,702 |
| Loan and lease loss provision to assets | 0.2222% | 1,638 |
| Net operating income to assets | 0.4291% | 5,114 |
| Return on assets (ROA) | 0.4291% | 5,262 |
| Pretax return on assets | 0.5431% | 5,225 |
| Return on Equity (ROE) | 4.5988% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.7547% | 4,018 |
| Net charge-offs to loans | 0.1933% | 2,684 |
| Credit loss provision to net charge-offs | 157.5000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 5.4249% | 3,197 |
| Efficiency ratio | 81.3144% | 1,930 |
| Assets per employee ($millions) | 2.7243% | 6,249 |
| Cash dividends to net income (ytd only)* | 18.3561% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 5,844 |
| Loan loss allowance to noncurrent loans | 121.8182% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 3,643 |
| Noncurrent loans to loans | 0.7961% | 4,252 |
| Net loans and leases to total assets | 73.5062% | 1,365 |
| Net loans and leases to deposits | 81.4501% | 2,206 |
| Net loans and leases to core deposits | 85.9351% | 2,414 |
| Total domestic deposits to total assets | 90.2469% | 865 |
| Equity capital to assets | 9.4263% | 4,638 |
| Core capital (leverage) ratio | 8.5742% | 5,695 |
| Tier 1 risk-based capital ratio | 13.5120% | 4,751 |
| Total risk-based capital ratio | 14.6360% | 4,784 |
| Memoranda: | ||
| Average total assets | $113,413,500 | 4,470 |
| Average earning assets | $104,083,750 | 4,448 |
| Average equity | $10,582,000 | 4,776 |
| Average total loans | $82,756,250 | 3,889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4960% | 2,214 |
| Cost of funding earning assets | 0.4305% | 4,655 |
| Net interest margin | 4.0655% | 1,645 |
| Noninterest income to average assets | 0.4562% | 4,122 |
| Noninterest expense to average assets | 3.4461% | 1,727 |
| Loan and lease loss provision to assets | 0.2211% | 1,717 |
| Net operating income to assets | 0.4211% | 5,137 |
| Return on assets (ROA) | 0.4211% | 5,293 |
| Pretax return on assets | 0.5176% | 5,315 |
| Return on Equity (ROE) | 4.5284% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.6794% | 3,967 |
| Net charge-offs to loans | 0.1040% | 3,320 |
| Credit loss provision to net charge-offs | 293.0233% | 883 |
| Earnings coverage of net charge-offs (x) | 9.7907% | 2,237 |
| Efficiency ratio | 81.7610% | 1,918 |
| Assets per employee ($millions) | 2.7342% | 6,246 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 5,873 |
| Loan loss allowance to noncurrent loans | 104.6036% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 3,606 |
| Noncurrent loans to loans | 0.9451% | 4,035 |
| Net loans and leases to total assets | 73.0778% | 1,391 |
| Net loans and leases to deposits | 80.8976% | 2,196 |
| Net loans and leases to core deposits | 85.3282% | 2,402 |
| Total domestic deposits to total assets | 90.3337% | 839 |
| Equity capital to assets | 9.4031% | 4,716 |
| Core capital (leverage) ratio | 8.5145% | 5,659 |
| Tier 1 risk-based capital ratio | 13.6663% | 4,662 |
| Total risk-based capital ratio | 14.8239% | 4,688 |
| Memoranda: | ||
| Average total assets | $113,985,330 | 4,489 |
| Average earning assets | $104,538,000 | 4,467 |
| Average equity | $10,599,670 | 4,808 |
| Average total loans | $82,705,330 | 3,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 2,211 |
| Cost of funding earning assets | 0.4308% | 4,796 |
| Net interest margin | 4.0567% | 1,603 |
| Noninterest income to average assets | 0.4107% | 4,382 |
| Noninterest expense to average assets | 3.4213% | 1,782 |
| Loan and lease loss provision to assets | 0.2193% | 1,692 |
| Net operating income to assets | 0.3898% | 5,166 |
| Return on assets (ROA) | 0.3898% | 5,313 |
| Pretax return on assets | 0.4733% | 5,350 |
| Return on Equity (ROE) | 4.2149% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.3493% | 4,242 |
| Net charge-offs to loans | 0.0290% | 3,621 |
| Credit loss provision to net charge-offs | 1,050.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 909 |
| Efficiency ratio | 82.5719% | 1,953 |
| Assets per employee ($millions) | 2.9254% | 6,113 |
| Cash dividends to net income (ytd only)* | 20.5357% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,102 |
| Loan loss allowance to noncurrent loans | 91.3495% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,969 |
| Noncurrent loans to loans | 1.0524% | 4,035 |
| Net loans and leases to total assets | 68.0256% | 2,002 |
| Net loans and leases to deposits | 74.9837% | 2,776 |
| Net loans and leases to core deposits | 78.2222% | 3,032 |
| Total domestic deposits to total assets | 90.7206% | 662 |
| Equity capital to assets | 8.8892% | 5,624 |
| Core capital (leverage) ratio | 8.5427% | 5,522 |
| Tier 1 risk-based capital ratio | 13.3857% | 4,949 |
| Total risk-based capital ratio | 14.4965% | 4,997 |
| Memoranda: | ||
| Average total assets | $114,927,500 | 4,506 |
| Average earning assets | $104,912,500 | 4,495 |
| Average equity | $10,629,000 | 4,852 |
| Average total loans | $82,688,500 | 3,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 1,750 |
| Cost of funding earning assets | 0.5435% | 4,871 |
| Net interest margin | 4.3858% | 1,191 |
| Noninterest income to average assets | 0.4242% | 4,423 |
| Noninterest expense to average assets | 3.5187% | 1,776 |
| Loan and lease loss provision to assets | 0.3254% | 2,093 |
| Net operating income to assets | 0.4554% | 4,862 |
| Return on assets (ROA) | 0.5659% | 4,659 |
| Pretax return on assets | 0.7277% | 4,564 |
| Return on Equity (ROE) | 5.5132% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.1732% | 4,702 |
| Net charge-offs to loans | 0.2986% | 3,150 |
| Credit loss provision to net charge-offs | 145.9016% | 1,870 |
| Earnings coverage of net charge-offs (x) | 4.0861% | 3,487 |
| Efficiency ratio | 78.8279% | 2,303 |
| Assets per employee ($millions) | 2.6808% | 6,446 |
| Cash dividends to net income (ytd only)* | 60.5816% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,294 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 3,894 |
| Noncurrent loans to loans | 0.9941% | 4,206 |
| Net loans and leases to total assets | 74.8399% | 1,073 |
| Net loans and leases to deposits | 83.2596% | 1,843 |
| Net loans and leases to core deposits | 87.0059% | 2,187 |
| Total domestic deposits to total assets | 89.8874% | 1,018 |
| Equity capital to assets | 9.6404% | 4,676 |
| Core capital (leverage) ratio | 8.6907% | 5,339 |
| Tier 1 risk-based capital ratio | 13.2120% | 4,956 |
| Total risk-based capital ratio | 14.2398% | 5,053 |
| Memoranda: | ||
| Average total assets | $109,388,000 | 4,605 |
| Average earning assets | $99,914,200 | 4,594 |
| Average equity | $11,227,600 | 4,715 |
| Average total loans | $81,706,200 | 3,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 1,770 |
| Cost of funding earning assets | 0.5719% | 4,897 |
| Net interest margin | 4.3998% | 1,200 |
| Noninterest income to average assets | 0.3856% | 4,742 |
| Noninterest expense to average assets | 3.5402% | 1,671 |
| Loan and lease loss provision to assets | 0.4088% | 1,568 |
| Net operating income to assets | 0.3463% | 5,447 |
| Return on assets (ROA) | 0.4967% | 5,124 |
| Pretax return on assets | 0.6382% | 5,056 |
| Return on Equity (ROE) | 4.7661% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.1150% | 4,681 |
| Net charge-offs to loans | 0.3915% | 2,529 |
| Credit loss provision to net charge-offs | 140.1674% | 2,061 |
| Earnings coverage of net charge-offs (x) | 2.9289% | 3,854 |
| Efficiency ratio | 79.9778% | 2,095 |
| Assets per employee ($millions) | 2.6923% | 6,497 |
| Cash dividends to net income (ytd only)* | 34.6448% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,437 |
| Loan loss allowance to noncurrent loans | 97.0310% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,309 |
| Noncurrent loans to loans | 0.9044% | 4,620 |
| Net loans and leases to total assets | 73.5711% | 1,310 |
| Net loans and leases to deposits | 82.5045% | 2,056 |
| Net loans and leases to core deposits | 85.7749% | 2,492 |
| Total domestic deposits to total assets | 89.1722% | 1,327 |
| Equity capital to assets | 10.3757% | 3,979 |
| Core capital (leverage) ratio | 9.2673% | 4,651 |
| Tier 1 risk-based capital ratio | 14.5030% | 4,181 |
| Total risk-based capital ratio | 15.5191% | 4,307 |
| Memoranda: | ||
| Average total assets | $109,257,000 | 4,657 |
| Average earning assets | $99,548,500 | 4,652 |
| Average equity | $11,385,500 | 4,735 |
| Average total loans | $81,384,500 | 4,040 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,721 |
| Cost of funding earning assets | 0.6003% | 4,900 |
| Net interest margin | 4.4242% | 1,139 |
| Noninterest income to average assets | 0.5547% | 3,557 |
| Noninterest expense to average assets | 3.5433% | 1,690 |
| Loan and lease loss provision to assets | 0.2259% | 2,820 |
| Net operating income to assets | 0.6227% | 4,264 |
| Return on assets (ROA) | 0.6227% | 4,512 |
| Pretax return on assets | 0.8064% | 4,457 |
| Return on Equity (ROE) | 5.9667% | 4,342 |
| Retained earnings to average equity (ytd only) | 3.9074% | 4,011 |
| Net charge-offs to loans | 0.2192% | 3,254 |
| Credit loss provision to net charge-offs | 138.2022% | 1,996 |
| Earnings coverage of net charge-offs (x) | 6.3146% | 2,662 |
| Efficiency ratio | 76.8768% | 2,621 |
| Assets per employee ($millions) | 2.6790% | 6,557 |
| Cash dividends to net income (ytd only)* | 34.5133% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 6,658 |
| Loan loss allowance to noncurrent loans | 74.7440% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 3,837 |
| Noncurrent loans to loans | 1.0768% | 4,366 |
| Net loans and leases to total assets | 73.7181% | 1,292 |
| Net loans and leases to deposits | 82.8383% | 2,000 |
| Net loans and leases to core deposits | 86.1459% | 2,415 |
| Total domestic deposits to total assets | 88.9903% | 1,510 |
| Equity capital to assets | 10.4570% | 3,737 |
| Core capital (leverage) ratio | 9.3091% | 4,440 |
| Tier 1 risk-based capital ratio | 14.4168% | 4,160 |
| Total risk-based capital ratio | 15.3444% | 4,339 |
| Memoranda: | ||
| Average total assets | $108,881,670 | 4,693 |
| Average earning assets | $98,954,670 | 4,694 |
| Average equity | $11,363,000 | 4,739 |
| Average total loans | $81,203,000 | 4,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 1,817 |
| Cost of funding earning assets | 0.5982% | 5,149 |
| Net interest margin | 4.4231% | 1,179 |
| Noninterest income to average assets | 0.5609% | 3,492 |
| Noninterest expense to average assets | 3.5460% | 1,670 |
| Loan and lease loss provision to assets | 0.2288% | 2,659 |
| Net operating income to assets | 0.6088% | 4,303 |
| Return on assets (ROA) | 0.6088% | 4,514 |
| Pretax return on assets | 0.7970% | 4,421 |
| Return on Equity (ROE) | 5.8399% | 4,381 |
| Retained earnings to average equity (ytd only) | 2.5129% | 5,000 |
| Net charge-offs to loans | 0.1482% | 3,210 |
| Credit loss provision to net charge-offs | 206.6667% | 1,310 |
| Earnings coverage of net charge-offs (x) | 9.2667% | 1,862 |
| Efficiency ratio | 76.9976% | 2,647 |
| Assets per employee ($millions) | 2.6629% | 6,682 |
| Cash dividends to net income (ytd only)* | 56.9697% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 6,726 |
| Loan loss allowance to noncurrent loans | 63.1630% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 3,554 |
| Noncurrent loans to loans | 1.2772% | 4,196 |
| Net loans and leases to total assets | 73.7672% | 1,102 |
| Net loans and leases to deposits | 82.8301% | 1,814 |
| Net loans and leases to core deposits | 86.1546% | 2,276 |
| Total domestic deposits to total assets | 89.0584% | 1,660 |
| Equity capital to assets | 10.3700% | 3,646 |
| Core capital (leverage) ratio | 9.3509% | 4,281 |
| Tier 1 risk-based capital ratio | 14.2406% | 4,285 |
| Total risk-based capital ratio | 15.1683% | 4,499 |
| Memoranda: | ||
| Average total assets | $108,402,500 | 4,741 |
| Average earning assets | $98,301,500 | 4,737 |
| Average equity | $11,301,500 | 4,765 |
| Average total loans | $80,990,000 | 4,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 2,760 |
| Cost of funding earning assets | 0.7248% | 5,378 |
| Net interest margin | 4.3041% | 1,686 |
| Noninterest income to average assets | 0.5184% | 3,733 |
| Noninterest expense to average assets | 3.4301% | 2,167 |
| Loan and lease loss provision to assets | 0.2308% | 3,892 |
| Net operating income to assets | 0.6046% | 3,979 |
| Return on assets (ROA) | 0.6805% | 3,769 |
| Pretax return on assets | 0.9003% | 3,607 |
| Return on Equity (ROE) | 6.7724% | 3,506 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,352 |
| Net charge-offs to loans | 0.3137% | 3,828 |
| Credit loss provision to net charge-offs | 101.6129% | 3,418 |
| Earnings coverage of net charge-offs (x) | 4.5403% | 3,074 |
| Efficiency ratio | 76.2677% | 2,845 |
| Assets per employee ($millions) | 2.6250% | 6,695 |
| Cash dividends to net income (ytd only)* | 41.0498% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 6,801 |
| Loan loss allowance to noncurrent loans | 64.3595% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3640% | 3,962 |
| Noncurrent loans to loans | 1.1982% | 4,374 |
| Net loans and leases to total assets | 74.4836% | 1,179 |
| Net loans and leases to deposits | 83.6757% | 1,963 |
| Net loans and leases to core deposits | 87.5333% | 2,424 |
| Total domestic deposits to total assets | 89.0146% | 1,527 |
| Equity capital to assets | 10.4818% | 3,555 |
| Core capital (leverage) ratio | 9.0757% | 4,659 |
| Tier 1 risk-based capital ratio | 14.3239% | 4,091 |
| Total risk-based capital ratio | 15.2185% | 4,300 |
| Memoranda: | ||
| Average total assets | $109,182,000 | 4,659 |
| Average earning assets | $100,021,000 | 4,643 |
| Average equity | $10,971,000 | 4,788 |
| Average total loans | $79,060,200 | 4,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0194% | 2,997 |
| Cost of funding earning assets | 0.7560% | 5,429 |
| Net interest margin | 4.2634% | 1,859 |
| Noninterest income to average assets | 0.5293% | 3,658 |
| Noninterest expense to average assets | 3.5337% | 1,850 |
| Loan and lease loss provision to assets | 0.2300% | 3,714 |
| Net operating income to assets | 0.5148% | 4,475 |
| Return on assets (ROA) | 0.6169% | 4,194 |
| Pretax return on assets | 0.8031% | 4,119 |
| Return on Equity (ROE) | 6.2054% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.4796% | 3,535 |
| Net charge-offs to loans | 0.3595% | 3,296 |
| Credit loss provision to net charge-offs | 89.1509% | 3,796 |
| Earnings coverage of net charge-offs (x) | 3.4906% | 3,421 |
| Efficiency ratio | 79.0889% | 2,397 |
| Assets per employee ($millions) | 2.7222% | 6,624 |
| Cash dividends to net income (ytd only)* | 27.8115% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 6,891 |
| Loan loss allowance to noncurrent loans | 44.7447% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 4,325 |
| Noncurrent loans to loans | 1.6808% | 3,784 |
| Net loans and leases to total assets | 70.4709% | 1,985 |
| Net loans and leases to deposits | 79.0143% | 2,811 |
| Net loans and leases to core deposits | 82.7284% | 3,222 |
| Total domestic deposits to total assets | 89.1875% | 1,310 |
| Equity capital to assets | 10.0751% | 4,243 |
| Core capital (leverage) ratio | 8.9135% | 5,076 |
| Tier 1 risk-based capital ratio | 14.4001% | 4,051 |
| Total risk-based capital ratio | 15.2674% | 4,318 |
| Memoranda: | ||
| Average total assets | $109,571,250 | 4,684 |
| Average earning assets | $100,354,500 | 4,664 |
| Average equity | $10,893,500 | 4,832 |
| Average total loans | $78,628,750 | 4,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 3,016 |
| Cost of funding earning assets | 0.8005% | 5,364 |
| Net interest margin | 4.2287% | 1,931 |
| Noninterest income to average assets | 0.5382% | 3,573 |
| Noninterest expense to average assets | 3.5687% | 1,815 |
| Loan and lease loss provision to assets | 0.2314% | 3,592 |
| Net operating income to assets | 0.4762% | 4,611 |
| Return on assets (ROA) | 0.5271% | 4,532 |
| Pretax return on assets | 0.6851% | 4,437 |
| Return on Equity (ROE) | 5.3265% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.1551% | 4,264 |
| Net charge-offs to loans | 0.4183% | 2,887 |
| Credit loss provision to net charge-offs | 76.8293% | 3,862 |
| Earnings coverage of net charge-offs (x) | 2.8232% | 3,436 |
| Efficiency ratio | 80.1330% | 2,371 |
| Assets per employee ($millions) | 2.6323% | 6,743 |
| Cash dividends to net income (ytd only)* | 40.7666% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 6,973 |
| Loan loss allowance to noncurrent loans | 46.8927% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 4,421 |
| Noncurrent loans to loans | 1.5742% | 4,040 |
| Net loans and leases to total assets | 72.3892% | 1,708 |
| Net loans and leases to deposits | 81.5358% | 2,517 |
| Net loans and leases to core deposits | 85.0564% | 3,068 |
| Total domestic deposits to total assets | 88.7820% | 1,678 |
| Equity capital to assets | 10.1830% | 3,897 |
| Core capital (leverage) ratio | 8.8090% | 5,031 |
| Tier 1 risk-based capital ratio | 14.3062% | 3,931 |
| Total risk-based capital ratio | 15.1638% | 4,198 |
| Memoranda: | ||
| Average total assets | $108,891,000 | 4,734 |
| Average earning assets | $99,935,000 | 4,710 |
| Average equity | $10,776,330 | 4,851 |
| Average total loans | $78,421,670 | 4,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 3,309 |
| Cost of funding earning assets | 0.8469% | 5,288 |
| Net interest margin | 4.1073% | 2,242 |
| Noninterest income to average assets | 0.5230% | 3,700 |
| Noninterest expense to average assets | 3.5584% | 1,854 |
| Loan and lease loss provision to assets | 0.2304% | 3,347 |
| Net operating income to assets | 0.3577% | 5,137 |
| Return on assets (ROA) | 0.4498% | 4,802 |
| Pretax return on assets | 0.6437% | 4,518 |
| Return on Equity (ROE) | 4.6113% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.0872% | 5,392 |
| Net charge-offs to loans | 0.5365% | 2,153 |
| Credit loss provision to net charge-offs | 60.0000% | 3,543 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 3,343 |
| Efficiency ratio | 82.1429% | 2,206 |
| Assets per employee ($millions) | 2.7666% | 6,592 |
| Cash dividends to net income (ytd only)* | 76.4228% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 7,019 |
| Loan loss allowance to noncurrent loans | 41.6006% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 4,343 |
| Noncurrent loans to loans | 1.7813% | 3,847 |
| Net loans and leases to total assets | 68.1375% | 2,517 |
| Net loans and leases to deposits | 75.9463% | 3,428 |
| Net loans and leases to core deposits | 83.0386% | 3,301 |
| Total domestic deposits to total assets | 89.7180% | 1,343 |
| Equity capital to assets | 9.4595% | 4,491 |
| Core capital (leverage) ratio | 8.6248% | 5,220 |
| Tier 1 risk-based capital ratio | 14.0025% | 4,068 |
| Total risk-based capital ratio | 14.8492% | 4,327 |
| Memoranda: | ||
| Average total assets | $109,374,000 | 4,752 |
| Average earning assets | $100,602,500 | 4,727 |
| Average equity | $10,669,500 | 4,876 |
| Average total loans | $78,279,000 | 4,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 1,978 |
| Cost of funding earning assets | 1.0562% | 5,390 |
| Net interest margin | 4.5235% | 1,176 |
| Noninterest income to average assets | 0.6117% | 3,396 |
| Noninterest expense to average assets | 3.5975% | 1,933 |
| Loan and lease loss provision to assets | 0.2435% | 4,855 |
| Net operating income to assets | 0.6829% | 3,289 |
| Return on assets (ROA) | 0.7112% | 3,320 |
| Pretax return on assets | 0.9508% | 3,103 |
| Return on Equity (ROE) | 7.0358% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.0723% | 3,011 |
| Net charge-offs to loans | 0.2620% | 4,728 |
| Credit loss provision to net charge-offs | 119.4313% | 3,548 |
| Earnings coverage of net charge-offs (x) | 5.6730% | 2,561 |
| Efficiency ratio | 75.0407% | 3,203 |
| Assets per employee ($millions) | 2.6329% | 6,796 |
| Cash dividends to net income (ytd only)* | 42.1196% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 6,995 |
| Loan loss allowance to noncurrent loans | 43.6223% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5135% | 4,044 |
| Noncurrent loans to loans | 1.8032% | 3,816 |
| Net loans and leases to total assets | 74.1314% | 1,634 |
| Net loans and leases to deposits | 83.3392% | 2,562 |
| Net loans and leases to core deposits | 87.5867% | 3,107 |
| Total domestic deposits to total assets | 88.9515% | 1,685 |
| Equity capital to assets | 10.0734% | 3,653 |
| Core capital (leverage) ratio | 9.0096% | 4,534 |
| Tier 1 risk-based capital ratio | 14.0248% | 3,855 |
| Total risk-based capital ratio | 14.9453% | 4,037 |
| Memoranda: | ||
| Average total assets | $103,488,200 | 4,889 |
| Average earning assets | $94,771,400 | 4,869 |
| Average equity | $10,460,800 | 4,992 |
| Average total loans | $80,529,400 | 4,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 1,937 |
| Cost of funding earning assets | 1.0839% | 5,527 |
| Net interest margin | 4.5479% | 1,154 |
| Noninterest income to average assets | 0.6069% | 3,395 |
| Noninterest expense to average assets | 3.6312% | 1,711 |
| Loan and lease loss provision to assets | 0.2446% | 4,645 |
| Net operating income to assets | 0.6628% | 3,591 |
| Return on assets (ROA) | 0.7001% | 3,569 |
| Pretax return on assets | 0.9408% | 3,405 |
| Return on Equity (ROE) | 6.9200% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.0780% | 2,928 |
| Net charge-offs to loans | 0.3243% | 4,039 |
| Credit loss provision to net charge-offs | 95.9391% | 4,515 |
| Earnings coverage of net charge-offs (x) | 4.4518% | 3,043 |
| Efficiency ratio | 75.5634% | 3,024 |
| Assets per employee ($millions) | 2.6275% | 6,891 |
| Cash dividends to net income (ytd only)* | 26.6179% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 7,185 |
| Loan loss allowance to noncurrent loans | 46.2662% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3388% | 4,485 |
| Noncurrent loans to loans | 1.5326% | 4,338 |
| Net loans and leases to total assets | 75.9463% | 1,417 |
| Net loans and leases to deposits | 85.4866% | 2,441 |
| Net loans and leases to core deposits | 89.8882% | 3,106 |
| Total domestic deposits to total assets | 88.8399% | 1,485 |
| Equity capital to assets | 10.1629% | 3,928 |
| Core capital (leverage) ratio | 9.0733% | 4,565 |
| Tier 1 risk-based capital ratio | 13.8015% | 3,981 |
| Total risk-based capital ratio | 14.6389% | 4,247 |
| Memoranda: | ||
| Average total assets | $103,031,000 | 4,965 |
| Average earning assets | $94,224,750 | 4,945 |
| Average equity | $10,423,750 | 5,080 |
| Average total loans | $80,988,750 | 4,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6212% | 2,063 |
| Cost of funding earning assets | 1.1041% | 5,647 |
| Net interest margin | 4.5171% | 1,169 |
| Noninterest income to average assets | 0.5785% | 3,487 |
| Noninterest expense to average assets | 3.6427% | 1,677 |
| Loan and lease loss provision to assets | 0.2462% | 4,468 |
| Net operating income to assets | 0.5648% | 4,017 |
| Return on assets (ROA) | 0.5648% | 4,166 |
| Pretax return on assets | 0.8149% | 3,826 |
| Return on Equity (ROE) | 5.5910% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.2695% | 4,019 |
| Net charge-offs to loans | 0.0616% | 5,527 |
| Credit loss provision to net charge-offs | 504.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 21.7200% | 1,164 |
| Efficiency ratio | 76.7761% | 2,940 |
| Assets per employee ($millions) | 2.5613% | 7,021 |
| Cash dividends to net income (ytd only)* | 41.5225% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,957 |
| Loan loss allowance to noncurrent loans | 44.2634% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 4,017 |
| Noncurrent loans to loans | 1.8808% | 3,893 |
| Net loans and leases to total assets | 78.9490% | 966 |
| Net loans and leases to deposits | 88.3399% | 2,117 |
| Net loans and leases to core deposits | 92.9915% | 2,846 |
| Total domestic deposits to total assets | 89.3696% | 1,241 |
| Equity capital to assets | 10.2049% | 3,760 |
| Core capital (leverage) ratio | 8.9567% | 4,677 |
| Tier 1 risk-based capital ratio | 13.4269% | 4,117 |
| Total risk-based capital ratio | 14.4223% | 4,263 |
| Memoranda: | ||
| Average total assets | $102,342,000 | 5,010 |
| Average earning assets | $93,467,000 | 5,002 |
| Average equity | $10,338,000 | 5,106 |
| Average total loans | $81,189,000 | 4,411 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 2,396 |
| Cost of funding earning assets | 1.1384% | 5,715 |
| Net interest margin | 4.4038% | 1,380 |
| Noninterest income to average assets | 0.5475% | 3,669 |
| Noninterest expense to average assets | 3.6290% | 1,668 |
| Loan and lease loss provision to assets | 0.2464% | 4,076 |
| Net operating income to assets | 0.4497% | 4,617 |
| Return on assets (ROA) | 0.4497% | 4,742 |
| Pretax return on assets | 0.6961% | 4,249 |
| Return on Equity (ROE) | 4.4749% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.7393% | 5,531 |
| Net charge-offs to loans | 0.0839% | 4,587 |
| Credit loss provision to net charge-offs | 370.5882% | 1,101 |
| Earnings coverage of net charge-offs (x) | 14.1765% | 1,448 |
| Efficiency ratio | 78.6997% | 2,776 |
| Assets per employee ($millions) | 2.5468% | 7,131 |
| Cash dividends to net income (ytd only)* | 83.4783% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 7,188 |
| Loan loss allowance to noncurrent loans | 36.7925% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.0771% | 3,416 |
| Noncurrent loans to loans | 2.1053% | 3,651 |
| Net loans and leases to total assets | 78.4642% | 1,069 |
| Net loans and leases to deposits | 87.8317% | 2,250 |
| Net loans and leases to core deposits | 92.5172% | 3,044 |
| Total domestic deposits to total assets | 89.3347% | 1,341 |
| Equity capital to assets | 10.1019% | 3,744 |
| Core capital (leverage) ratio | 8.9885% | 4,593 |
| Tier 1 risk-based capital ratio | 13.1718% | 4,225 |
| Total risk-based capital ratio | 14.0850% | 4,430 |
| Memoranda: | ||
| Average total assets | $102,287,500 | 5,081 |
| Average earning assets | $93,464,500 | 5,066 |
| Average equity | $10,279,500 | 5,156 |
| Average total loans | $81,002,000 | 4,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1625% | 1,339 |
| Cost of funding earning assets | 1.4074% | 5,902 |
| Net interest margin | 4.7552% | 755 |
| Noninterest income to average assets | 0.6371% | 3,371 |
| Noninterest expense to average assets | 4.0022% | 1,360 |
| Loan and lease loss provision to assets | 0.3181% | 4,910 |
| Net operating income to assets | 0.5237% | 3,632 |
| Return on assets (ROA) | 0.5245% | 3,718 |
| Pretax return on assets | 0.6940% | 3,595 |
| Return on Equity (ROE) | 5.1477% | 3,604 |
| Retained earnings to average equity (ytd only) | 2.0552% | 3,667 |
| Net charge-offs to loans | 0.3235% | 4,616 |
| Credit loss provision to net charge-offs | 124.1245% | 4,235 |
| Earnings coverage of net charge-offs (x) | 3.9455% | 3,130 |
| Efficiency ratio | 79.1567% | 3,018 |
| Assets per employee ($millions) | 2.5676% | 7,093 |
| Cash dividends to net income (ytd only)* | 60.0760% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 7,358 |
| Loan loss allowance to noncurrent loans | 40.8769% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 1.8695% | 3,572 |
| Noncurrent loans to loans | 1.7361% | 4,031 |
| Net loans and leases to total assets | 78.7406% | 1,241 |
| Net loans and leases to deposits | 87.6743% | 2,614 |
| Net loans and leases to core deposits | 100.9588% | 3,906 |
| Total domestic deposits to total assets | 89.8104% | 1,052 |
| Equity capital to assets | 9.9978% | 3,767 |
| Core capital (leverage) ratio | 8.9723% | 4,471 |
| Tier 1 risk-based capital ratio | 12.9958% | 4,146 |
| Total risk-based capital ratio | 13.8329% | 4,404 |
| Memoranda: | ||
| Average total assets | $100,294,000 | 5,083 |
| Average earning assets | $92,299,800 | 5,052 |
| Average equity | $10,218,200 | 5,235 |
| Average total loans | $79,447,400 | 4,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2116% | 1,347 |
| Cost of funding earning assets | 1.4379% | 6,089 |
| Net interest margin | 4.7737% | 722 |
| Noninterest income to average assets | 0.6406% | 3,416 |
| Noninterest expense to average assets | 3.8331% | 1,535 |
| Loan and lease loss provision to assets | 0.2126% | 5,283 |
| Net operating income to assets | 0.7389% | 3,065 |
| Return on assets (ROA) | 0.7409% | 3,118 |
| Pretax return on assets | 0.9977% | 2,913 |
| Return on Equity (ROE) | 7.2376% | 2,972 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,292 |
| Net charge-offs to loans | 0.3648% | 3,827 |
| Credit loss provision to net charge-offs | 73.6111% | 5,912 |
| Earnings coverage of net charge-offs (x) | 4.1806% | 3,230 |
| Efficiency ratio | 75.3516% | 3,626 |
| Assets per employee ($millions) | 2.4280% | 7,341 |
| Cash dividends to net income (ytd only)* | 26.3535% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 7,625 |
| Loan loss allowance to noncurrent loans | 92.7273% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7996% | 5,515 |
| Noncurrent loans to loans | 0.6112% | 6,082 |
| Net loans and leases to total assets | 80.8990% | 1,000 |
| Net loans and leases to deposits | 91.8238% | 2,258 |
| Net loans and leases to core deposits | 105.7862% | 3,727 |
| Total domestic deposits to total assets | 88.1025% | 1,614 |
| Equity capital to assets | 10.5515% | 3,458 |
| Core capital (leverage) ratio | 9.0734% | 4,538 |
| Tier 1 risk-based capital ratio | 13.5300% | 3,825 |
| Total risk-based capital ratio | 14.2077% | 4,152 |
| Memoranda: | ||
| Average total assets | $99,691,750 | 5,128 |
| Average earning assets | $91,890,750 | 5,100 |
| Average equity | $10,205,750 | 5,284 |
| Average total loans | $78,947,500 | 4,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1709% | 1,555 |
| Cost of funding earning assets | 1.4639% | 6,281 |
| Net interest margin | 4.7070% | 790 |
| Noninterest income to average assets | 0.6096% | 3,609 |
| Noninterest expense to average assets | 3.8140% | 1,633 |
| Loan and lease loss provision to assets | 0.2045% | 5,007 |
| Net operating income to assets | 0.6868% | 3,311 |
| Return on assets (ROA) | 0.6898% | 3,415 |
| Pretax return on assets | 0.9344% | 3,230 |
| Return on Equity (ROE) | 6.8076% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.3933% | 2,857 |
| Net charge-offs to loans | 0.4421% | 3,042 |
| Credit loss provision to net charge-offs | 58.9595% | 5,610 |
| Earnings coverage of net charge-offs (x) | 3.2717% | 3,506 |
| Efficiency ratio | 76.3776% | 3,626 |
| Assets per employee ($millions) | 2.5010% | 7,246 |
| Cash dividends to net income (ytd only)* | 35.4651% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 7,703 |
| Loan loss allowance to noncurrent loans | 45.5476% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 4,442 |
| Noncurrent loans to loans | 1.2404% | 4,732 |
| Net loans and leases to total assets | 76.3790% | 2,086 |
| Net loans and leases to deposits | 86.1804% | 3,523 |
| Net loans and leases to core deposits | 102.5400% | 4,226 |
| Total domestic deposits to total assets | 88.6269% | 1,472 |
| Equity capital to assets | 9.9610% | 3,997 |
| Core capital (leverage) ratio | 8.9323% | 4,738 |
| Tier 1 risk-based capital ratio | 13.3603% | 3,891 |
| Total risk-based capital ratio | 14.0233% | 4,213 |
| Memoranda: | ||
| Average total assets | $99,739,000 | 5,173 |
| Average earning assets | $91,947,670 | 5,129 |
| Average equity | $10,106,330 | 5,334 |
| Average total loans | $78,265,330 | 4,643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2325% | 1,495 |
| Cost of funding earning assets | 1.5416% | 6,273 |
| Net interest margin | 4.6909% | 776 |
| Noninterest income to average assets | 0.5898% | 3,629 |
| Noninterest expense to average assets | 3.7951% | 1,481 |
| Loan and lease loss provision to assets | 0.2074% | 4,366 |
| Net operating income to assets | 0.6601% | 3,758 |
| Return on assets (ROA) | 0.6630% | 3,920 |
| Pretax return on assets | 0.9233% | 3,629 |
| Return on Equity (ROE) | 6.4859% | 3,820 |
| Retained earnings to average equity (ytd only) | 2.6262% | 4,422 |
| Net charge-offs to loans | 0.8870% | 1,479 |
| Credit loss provision to net charge-offs | 29.4798% | 4,953 |
| Earnings coverage of net charge-offs (x) | 1.6012% | 3,927 |
| Efficiency ratio | 76.4463% | 3,412 |
| Assets per employee ($millions) | 2.3699% | 7,499 |
| Cash dividends to net income (ytd only)* | 59.5092% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5060% | 7,815 |
| Loan loss allowance to noncurrent loans | 51.8421% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 4,558 |
| Noncurrent loans to loans | 0.9761% | 5,043 |
| Net loans and leases to total assets | 77.8307% | 1,859 |
| Net loans and leases to deposits | 88.8690% | 3,132 |
| Net loans and leases to core deposits | 105.2683% | 3,997 |
| Total domestic deposits to total assets | 87.5791% | 1,932 |
| Equity capital to assets | 10.1413% | 3,837 |
| Core capital (leverage) ratio | 8.9887% | 4,728 |
| Tier 1 risk-based capital ratio | 13.3400% | 3,970 |
| Total risk-based capital ratio | 13.9370% | 4,324 |
| Memoranda: | ||
| Average total assets | $98,338,500 | 5,224 |
| Average earning assets | $90,815,000 | 5,192 |
| Average equity | $10,052,500 | 5,369 |
| Average total loans | $78,016,000 | 4,685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7895% | 1,711 |
| Cost of funding earning assets | 2.0218% | 6,340 |
| Net interest margin | 4.7678% | 838 |
| Noninterest income to average assets | 0.7274% | 2,927 |
| Noninterest expense to average assets | 3.7789% | 1,796 |
| Loan and lease loss provision to assets | 0.1328% | 5,662 |
| Net operating income to assets | 0.8625% | 3,160 |
| Return on assets (ROA) | 0.8633% | 3,007 |
| Pretax return on assets | 1.1818% | 2,715 |
| Return on Equity (ROE) | 8.6023% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.3041% | 1,855 |
| Net charge-offs to loans | 0.2628% | 3,654 |
| Credit loss provision to net charge-offs | 66.3212% | 6,135 |
| Earnings coverage of net charge-offs (x) | 6.5596% | 3,335 |
| Efficiency ratio | 73.4923% | 3,666 |
| Assets per employee ($millions) | 2.3129% | 7,540 |
| Cash dividends to net income (ytd only)* | 38.3413% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,528 |
| Loan loss allowance to noncurrent loans | 68.1638% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9059% | 4,578 |
| Noncurrent loans to loans | 0.9684% | 4,660 |
| Net loans and leases to total assets | 79.9378% | 1,681 |
| Net loans and leases to deposits | 91.8080% | 3,173 |
| Net loans and leases to core deposits | 107.7944% | 3,990 |
| Total domestic deposits to total assets | 87.0706% | 1,906 |
| Equity capital to assets | 10.3054% | 3,704 |
| Core capital (leverage) ratio | 8.9418% | 4,827 |
| Tier 1 risk-based capital ratio | 13.2687% | 3,955 |
| Total risk-based capital ratio | 14.0530% | 4,147 |
| Memoranda: | ||
| Average total assets | $96,377,000 | 5,156 |
| Average earning assets | $88,238,600 | 5,142 |
| Average equity | $9,671,800 | 5,516 |
| Average total loans | $73,432,400 | 4,759 |