Home > Peoples State Bank of Velva > Performance and Condition Ratios
Peoples State Bank of Velva, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 1,423 |
| Cost of funding earning assets | 1.4850% | 1,976 |
| Net interest margin | 3.8497% | 1,475 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.4658% | 2,398 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.6526% | 789 |
| Return on assets (ROA) | 1.4849% | 1,015 |
| Pretax return on assets | 1.4849% | 1,457 |
| Return on Equity (ROE) | 17.5700% | 881 |
| Retained earnings to average equity (ytd only) | 14.6996% | 348 |
| Net charge-offs to loans | 0.3660% | 293 |
| Credit loss provision to net charge-offs | 78.5340% | 2,033 |
| Earnings coverage of net charge-offs (x) | 7.0524% | 2,433 |
| Efficiency ratio | 57.0061% | 3,396 |
| Assets per employee ($millions) | 8.8149% | 1,053 |
| Cash dividends to net income (ytd only)* | 16.3180% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 993 |
| Loan loss allowance to noncurrent loans | 2,867.8571% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,375 |
| Noncurrent loans to loans | 0.0530% | 3,341 |
| Net loans and leases to total assets | 69.4400% | 1,875 |
| Net loans and leases to deposits | 78.4380% | 2,229 |
| Net loans and leases to core deposits | 86.0341% | 2,305 |
| Total domestic deposits to total assets | 88.5300% | 1,199 |
| Equity capital to assets | 9.4559% | 2,380 |
| Core capital (leverage) ratio | 10.0017% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3289% | 1,435 |
| Memoranda: | ||
| Average total assets | $144,859,000 | 3,414 |
| Average earning assets | $136,971,800 | 3,372 |
| Average equity | $12,245,200 | 3,503 |
| Average total loans | $104,359,200 | 3,128 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 1,405 |
| Cost of funding earning assets | 1.3596% | 1,978 |
| Net interest margin | 3.8668% | 1,465 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.5216% | 2,158 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.8680% | 584 |
| Return on assets (ROA) | 1.8865% | 562 |
| Pretax return on assets | 1.8865% | 878 |
| Return on Equity (ROE) | 23.0300% | 489 |
| Retained earnings to average equity (ytd only) | 19.7320% | 268 |
| Net charge-offs to loans | 0.2730% | 314 |
| Credit loss provision to net charge-offs | 70.4225% | 1,808 |
| Earnings coverage of net charge-offs (x) | 10.1502% | 2,140 |
| Efficiency ratio | 55.6786% | 3,423 |
| Assets per employee ($millions) | 8.7045% | 1,043 |
| Cash dividends to net income (ytd only)* | 14.3209% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,080 |
| Loan loss allowance to noncurrent loans | 496.9419% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 1,927 |
| Noncurrent loans to loans | 0.3041% | 2,146 |
| Net loans and leases to total assets | 71.5800% | 1,628 |
| Net loans and leases to deposits | 81.5337% | 1,934 |
| Net loans and leases to core deposits | 89.4434% | 1,967 |
| Total domestic deposits to total assets | 87.7900% | 1,647 |
| Equity capital to assets | 8.1601% | 2,955 |
| Core capital (leverage) ratio | 10.1190% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0890% | 1,536 |
| Memoranda: | ||
| Average total assets | $143,610,250 | 3,430 |
| Average earning assets | $135,820,750 | 3,393 |
| Average equity | $11,764,000 | 3,547 |
| Average total loans | $104,031,000 | 3,135 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 1,324 |
| Cost of funding earning assets | 1.1256% | 2,205 |
| Net interest margin | 4.0014% | 1,238 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.5873% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3309% | 1,492 |
| Return on assets (ROA) | 1.3535% | 1,427 |
| Pretax return on assets | 1.3535% | 1,935 |
| Return on Equity (ROE) | 16.5000% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.4816% | 748 |
| Net charge-offs to loans | 0.4317% | 200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.2613% | 2,226 |
| Efficiency ratio | 66.0323% | 2,232 |
| Assets per employee ($millions) | 7.8570% | 1,382 |
| Cash dividends to net income (ytd only)* | 18.2952% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,492 |
| Loan loss allowance to noncurrent loans | 202.2069% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 641 |
| Noncurrent loans to loans | 0.6978% | 1,073 |
| Net loans and leases to total assets | 72.4200% | 1,477 |
| Net loans and leases to deposits | 81.4192% | 1,877 |
| Net loans and leases to core deposits | 88.1487% | 1,916 |
| Total domestic deposits to total assets | 88.9500% | 1,278 |
| Equity capital to assets | 8.4892% | 2,874 |
| Core capital (leverage) ratio | 9.8298% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6249% | 1,686 |
| Memoranda: | ||
| Average total assets | $142,155,000 | 3,459 |
| Average earning assets | $134,501,667 | 3,417 |
| Average equity | $11,660,333 | 3,572 |
| Average total loans | $102,860,333 | 3,142 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1901% | 969 |
| Cost of funding earning assets | 0.9628% | 2,174 |
| Net interest margin | 4.2273% | 904 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6017% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5268% | 1,126 |
| Return on assets (ROA) | 1.5605% | 1,051 |
| Pretax return on assets | 1.5605% | 1,556 |
| Return on Equity (ROE) | 19.3600% | 834 |
| Retained earnings to average equity (ytd only) | 15.3210% | 754 |
| Net charge-offs to loans | -0.7856% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.0184% | 2,565 |
| Assets per employee ($millions) | 7.4469% | 1,653 |
| Cash dividends to net income (ytd only)* | 20.8633% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 585 |
| Loan loss allowance to noncurrent loans | 86.4927% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 201 |
| Noncurrent loans to loans | 2.1523% | 252 |
| Net loans and leases to total assets | 70.3800% | 1,583 |
| Net loans and leases to deposits | 77.1039% | 2,027 |
| Net loans and leases to core deposits | 82.7224% | 2,081 |
| Total domestic deposits to total assets | 91.2800% | 712 |
| Equity capital to assets | 8.4549% | 2,927 |
| Core capital (leverage) ratio | 9.4340% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5282% | 1,788 |
| Memoranda: | ||
| Average total assets | $142,519,500 | 3,501 |
| Average earning assets | $135,027,000 | 3,462 |
| Average equity | $11,487,500 | 3,621 |
| Average total loans | $102,344,000 | 3,184 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 1,317 |
| Cost of funding earning assets | 0.4490% | 1,729 |
| Net interest margin | 3.7184% | 1,336 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.4338% | 2,322 |
| Loan and lease loss provision to assets | -0.4900% | 4,693 |
| Net operating income to assets | 1.8268% | 412 |
| Return on assets (ROA) | 1.4990% | 848 |
| Pretax return on assets | 1.4990% | 1,459 |
| Return on Equity (ROE) | 18.4300% | 641 |
| Retained earnings to average equity (ytd only) | 5.3050% | 2,924 |
| Net charge-offs to loans | -0.1808% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5690% | 2,422 |
| Assets per employee ($millions) | 7.5735% | 1,567 |
| Cash dividends to net income (ytd only)* | 71.2079% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 1,909 |
| Loan loss allowance to noncurrent loans | 92.4672% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 430 |
| Noncurrent loans to loans | 1.4019% | 478 |
| Net loans and leases to total assets | 70.8000% | 1,548 |
| Net loans and leases to deposits | 78.2487% | 1,917 |
| Net loans and leases to core deposits | 82.9336% | 1,939 |
| Total domestic deposits to total assets | 90.4800% | 1,160 |
| Equity capital to assets | 7.8959% | 3,122 |
| Core capital (leverage) ratio | 9.1750% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2537% | 1,871 |
| Memoranda: | ||
| Average total assets | $142,493,400 | 3,514 |
| Average earning assets | $131,858,000 | 3,508 |
| Average equity | $11,592,800 | 3,705 |
| Average total loans | $94,585,000 | 3,224 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 1,346 |
| Cost of funding earning assets | 0.3748% | 1,486 |
| Net interest margin | 3.5848% | 1,428 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4154% | 2,277 |
| Loan and lease loss provision to assets | -0.3500% | 4,717 |
| Net operating income to assets | 1.6321% | 613 |
| Return on assets (ROA) | 1.6209% | 610 |
| Pretax return on assets | 1.6209% | 1,066 |
| Return on Equity (ROE) | 19.7800% | 453 |
| Retained earnings to average equity (ytd only) | 5.9510% | 2,768 |
| Net charge-offs to loans | -0.2337% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.3553% | 2,359 |
| Assets per employee ($millions) | 7.9677% | 1,345 |
| Cash dividends to net income (ytd only)* | 69.9074% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 941 |
| Loan loss allowance to noncurrent loans | 111.0813% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 423 |
| Noncurrent loans to loans | 1.4957% | 474 |
| Net loans and leases to total assets | 68.2600% | 1,648 |
| Net loans and leases to deposits | 76.1706% | 1,862 |
| Net loans and leases to core deposits | 80.4191% | 1,872 |
| Total domestic deposits to total assets | 89.6200% | 1,821 |
| Equity capital to assets | 7.2815% | 3,352 |
| Core capital (leverage) ratio | 9.3859% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8381% | 1,755 |
| Memoranda: | ||
| Average total assets | $142,142,500 | 3,539 |
| Average earning assets | $130,921,000 | 3,536 |
| Average equity | $11,650,500 | 3,749 |
| Average total loans | $92,427,000 | 3,261 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 1,396 |
| Cost of funding earning assets | 0.3530% | 1,231 |
| Net interest margin | 3.4080% | 1,581 |
| Noninterest income to average assets | 0.5137% | 2,124 |
| Noninterest expense to average assets | 2.4217% | 2,164 |
| Loan and lease loss provision to assets | -0.3528% | 4,737 |
| Net operating income to assets | 1.5651% | 596 |
| Return on assets (ROA) | 1.5467% | 606 |
| Pretax return on assets | 1.5467% | 1,050 |
| Return on Equity (ROE) | 18.1863% | 453 |
| Retained earnings to average equity (ytd only) | -1.3607% | 4,328 |
| Net charge-offs to loans | -0.3398% | 4,655 |
| Credit loss provision to net charge-offs | 163.3987% | 1,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6408% | 2,425 |
| Assets per employee ($millions) | 7.3896% | 1,677 |
| Cash dividends to net income (ytd only)* | 107.4818% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 666 |
| Loan loss allowance to noncurrent loans | 115.3846% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 414 |
| Noncurrent loans to loans | 1.6432% | 435 |
| Net loans and leases to total assets | 65.2308% | 1,787 |
| Net loans and leases to deposits | 70.8821% | 2,122 |
| Net loans and leases to core deposits | 74.4130% | 2,137 |
| Total domestic deposits to total assets | 92.0272% | 821 |
| Equity capital to assets | 7.7285% | 3,328 |
| Core capital (leverage) ratio | 9.0733% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9492% | 1,718 |
| Memoranda: | ||
| Average total assets | $141,717,333 | 3,589 |
| Average earning assets | $129,752,333 | 3,600 |
| Average equity | $12,053,000 | 3,781 |
| Average total loans | $90,051,667 | 3,326 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 1,287 |
| Cost of funding earning assets | 0.3642% | 1,100 |
| Net interest margin | 3.3303% | 1,496 |
| Noninterest income to average assets | 0.8513% | 925 |
| Noninterest expense to average assets | 2.4302% | 2,069 |
| Loan and lease loss provision to assets | -0.3512% | 4,737 |
| Net operating income to assets | 1.8037% | 329 |
| Return on assets (ROA) | 1.7784% | 343 |
| Pretax return on assets | 1.7784% | 571 |
| Return on Equity (ROE) | 20.0095% | 232 |
| Retained earnings to average equity (ytd only) | 12.4546% | 536 |
| Net charge-offs to loans | -0.6199% | 4,721 |
| Credit loss provision to net charge-offs | 91.2409% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5904% | 3,193 |
| Assets per employee ($millions) | 7.0867% | 1,931 |
| Cash dividends to net income (ytd only)* | 37.7567% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 535 |
| Loan loss allowance to noncurrent loans | 119.0627% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 420 |
| Noncurrent loans to loans | 1.7493% | 447 |
| Net loans and leases to total assets | 62.3595% | 1,811 |
| Net loans and leases to deposits | 68.4039% | 2,107 |
| Net loans and leases to core deposits | 71.9693% | 2,117 |
| Total domestic deposits to total assets | 91.1637% | 950 |
| Equity capital to assets | 8.6494% | 3,024 |
| Core capital (leverage) ratio | 9.4177% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6832% | 1,588 |
| Memoranda: | ||
| Average total assets | $142,374,500 | 3,595 |
| Average earning assets | $129,599,500 | 3,613 |
| Average equity | $12,654,000 | 3,795 |
| Average total loans | $88,399,500 | 3,354 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 486 |
| Cost of funding earning assets | 0.4611% | 1,121 |
| Net interest margin | 4.1602% | 528 |
| Noninterest income to average assets | 0.1764% | 4,274 |
| Noninterest expense to average assets | 2.5311% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4262% | 1,190 |
| Return on assets (ROA) | 1.4269% | 1,258 |
| Pretax return on assets | 1.4269% | 1,958 |
| Return on Equity (ROE) | 15.5171% | 836 |
| Retained earnings to average equity (ytd only) | 9.9290% | 933 |
| Net charge-offs to loans | -0.4078% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9606% | 2,571 |
| Assets per employee ($millions) | 7.1508% | 1,830 |
| Cash dividends to net income (ytd only)* | 36.0124% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 479 |
| Loan loss allowance to noncurrent loans | 115.3086% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 452 |
| Noncurrent loans to loans | 1.8721% | 431 |
| Net loans and leases to total assets | 59.2011% | 2,244 |
| Net loans and leases to deposits | 66.3399% | 2,479 |
| Net loans and leases to core deposits | 69.8371% | 2,463 |
| Total domestic deposits to total assets | 89.2390% | 1,388 |
| Equity capital to assets | 9.1242% | 3,484 |
| Core capital (leverage) ratio | 8.8569% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4297% | 1,702 |
| Memoranda: | ||
| Average total assets | $136,029,400 | 3,620 |
| Average earning assets | $123,623,400 | 3,642 |
| Average equity | $12,508,800 | 3,881 |
| Average total loans | $94,160,000 | 3,272 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 325 |
| Cost of funding earning assets | 0.4832% | 1,144 |
| Net interest margin | 4.4732% | 330 |
| Noninterest income to average assets | 0.1509% | 4,439 |
| Noninterest expense to average assets | 2.5518% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6711% | 882 |
| Return on assets (ROA) | 1.6989% | 872 |
| Pretax return on assets | 1.6989% | 1,406 |
| Return on Equity (ROE) | 18.4364% | 574 |
| Retained earnings to average equity (ytd only) | 11.6480% | 911 |
| Net charge-offs to loans | -0.5163% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4279% | 2,926 |
| Assets per employee ($millions) | 6.9206% | 1,924 |
| Cash dividends to net income (ytd only)* | 36.8206% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 700 |
| Loan loss allowance to noncurrent loans | 111.5385% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 491 |
| Noncurrent loans to loans | 1.7467% | 568 |
| Net loans and leases to total assets | 67.4884% | 1,377 |
| Net loans and leases to deposits | 76.0016% | 1,673 |
| Net loans and leases to core deposits | 80.0329% | 1,731 |
| Total domestic deposits to total assets | 88.7987% | 1,402 |
| Equity capital to assets | 9.4038% | 3,467 |
| Core capital (leverage) ratio | 9.4089% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4009% | 2,203 |
| Memoranda: | ||
| Average total assets | $134,282,750 | 3,675 |
| Average earning assets | $122,237,250 | 3,694 |
| Average equity | $12,373,750 | 3,945 |
| Average total loans | $96,066,250 | 3,290 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 335 |
| Cost of funding earning assets | 0.4997% | 1,203 |
| Net interest margin | 4.5106% | 346 |
| Noninterest income to average assets | 0.1550% | 4,422 |
| Noninterest expense to average assets | 2.5883% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6959% | 876 |
| Return on assets (ROA) | 1.7110% | 906 |
| Pretax return on assets | 1.7110% | 1,455 |
| Return on Equity (ROE) | 18.7012% | 570 |
| Retained earnings to average equity (ytd only) | 11.1352% | 1,096 |
| Net charge-offs to loans | -0.0249% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4145% | 2,958 |
| Assets per employee ($millions) | 6.7877% | 1,953 |
| Cash dividends to net income (ytd only)* | 40.4573% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,485 |
| Loan loss allowance to noncurrent loans | 64.4953% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 282 |
| Noncurrent loans to loans | 2.3742% | 364 |
| Net loans and leases to total assets | 70.8169% | 1,112 |
| Net loans and leases to deposits | 79.6375% | 1,461 |
| Net loans and leases to core deposits | 83.9337% | 1,567 |
| Total domestic deposits to total assets | 88.9240% | 1,318 |
| Equity capital to assets | 9.2992% | 3,508 |
| Core capital (leverage) ratio | 9.1117% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9153% | 2,396 |
| Memoranda: | ||
| Average total assets | $132,906,333 | 3,704 |
| Average earning assets | $121,668,667 | 3,715 |
| Average equity | $12,159,667 | 3,968 |
| Average total loans | $96,332,333 | 3,307 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 2,241 |
| Cost of funding earning assets | 0.5260% | 1,231 |
| Net interest margin | 3.2260% | 2,614 |
| Noninterest income to average assets | 0.2708% | 3,778 |
| Noninterest expense to average assets | 2.6315% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5871% | 3,972 |
| Return on assets (ROA) | 0.6237% | 3,949 |
| Pretax return on assets | 0.6237% | 4,158 |
| Return on Equity (ROE) | 6.8749% | 3,637 |
| Retained earnings to average equity (ytd only) | -0.0671% | 4,374 |
| Net charge-offs to loans | -0.1003% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7580% | 712 |
| Assets per employee ($millions) | 6.6466% | 2,059 |
| Cash dividends to net income (ytd only)* | 100.9756% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,489 |
| Loan loss allowance to noncurrent loans | 62.8595% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 272 |
| Noncurrent loans to loans | 2.4404% | 388 |
| Net loans and leases to total assets | 72.8160% | 921 |
| Net loans and leases to deposits | 81.5136% | 1,375 |
| Net loans and leases to core deposits | 85.9781% | 1,524 |
| Total domestic deposits to total assets | 89.3298% | 1,157 |
| Equity capital to assets | 8.9317% | 3,749 |
| Core capital (leverage) ratio | 8.9395% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4705% | 2,503 |
| Memoranda: | ||
| Average total assets | $131,483,000 | 3,723 |
| Average earning assets | $120,149,500 | 3,738 |
| Average equity | $11,927,500 | 4,008 |
| Average total loans | $95,683,000 | 3,330 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 894 |
| Cost of funding earning assets | 0.8658% | 970 |
| Net interest margin | 3.8329% | 1,413 |
| Noninterest income to average assets | 0.2288% | 4,131 |
| Noninterest expense to average assets | 2.7940% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9949% | 2,311 |
| Return on assets (ROA) | 1.0176% | 2,367 |
| Pretax return on assets | 1.0176% | 2,985 |
| Return on Equity (ROE) | 10.7194% | 1,735 |
| Retained earnings to average equity (ytd only) | 3.0944% | 3,299 |
| Net charge-offs to loans | -0.0632% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7417% | 1,484 |
| Assets per employee ($millions) | 6.5018% | 1,917 |
| Cash dividends to net income (ytd only)* | 71.1324% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,312 |
| Loan loss allowance to noncurrent loans | 39.6368% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 3.0107% | 120 |
| Noncurrent loans to loans | 4.0231% | 139 |
| Net loans and leases to total assets | 70.4264% | 1,505 |
| Net loans and leases to deposits | 80.2466% | 1,838 |
| Net loans and leases to core deposits | 84.6136% | 1,982 |
| Total domestic deposits to total assets | 87.7625% | 1,582 |
| Equity capital to assets | 9.2144% | 3,875 |
| Core capital (leverage) ratio | 9.0432% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6949% | 2,367 |
| Memoranda: | ||
| Average total assets | $123,229,800 | 3,710 |
| Average earning assets | $114,456,400 | 3,701 |
| Average equity | $11,698,400 | 4,004 |
| Average total loans | $94,897,200 | 3,315 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 853 |
| Cost of funding earning assets | 0.9307% | 960 |
| Net interest margin | 3.8911% | 1,370 |
| Noninterest income to average assets | 0.2249% | 4,143 |
| Noninterest expense to average assets | 2.8437% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0324% | 2,216 |
| Return on assets (ROA) | 1.0576% | 2,252 |
| Pretax return on assets | 1.0576% | 2,880 |
| Return on Equity (ROE) | 11.0540% | 1,659 |
| Retained earnings to average equity (ytd only) | 3.2680% | 3,409 |
| Net charge-offs to loans | -0.0461% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3654% | 1,474 |
| Assets per employee ($millions) | 6.3127% | 1,983 |
| Cash dividends to net income (ytd only)* | 70.4357% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3943% | 1,757 |
| Loan loss allowance to noncurrent loans | 36.7003% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 3.2799% | 118 |
| Noncurrent loans to loans | 3.7992% | 183 |
| Net loans and leases to total assets | 81.6125% | 468 |
| Net loans and leases to deposits | 93.4010% | 974 |
| Net loans and leases to core deposits | 98.7995% | 1,257 |
| Total domestic deposits to total assets | 87.3786% | 1,511 |
| Equity capital to assets | 9.4088% | 3,763 |
| Core capital (leverage) ratio | 9.4379% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3555% | 2,475 |
| Memoranda: | ||
| Average total assets | $121,528,500 | 3,718 |
| Average earning assets | $114,036,250 | 3,698 |
| Average equity | $11,627,500 | 4,020 |
| Average total loans | $95,355,750 | 3,315 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 851 |
| Cost of funding earning assets | 0.9924% | 1,008 |
| Net interest margin | 3.9892% | 1,350 |
| Noninterest income to average assets | 0.2534% | 3,955 |
| Noninterest expense to average assets | 2.8828% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1171% | 1,911 |
| Return on assets (ROA) | 1.1571% | 1,905 |
| Pretax return on assets | 1.1571% | 2,514 |
| Return on Equity (ROE) | 12.0239% | 1,328 |
| Retained earnings to average equity (ytd only) | 5.7174% | 2,188 |
| Net charge-offs to loans | -0.0433% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0717% | 1,674 |
| Assets per employee ($millions) | 6.2597% | 1,983 |
| Cash dividends to net income (ytd only)* | 52.4496% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,363 |
| Loan loss allowance to noncurrent loans | 35.9831% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 3.3564% | 122 |
| Noncurrent loans to loans | 4.0761% | 163 |
| Net loans and leases to total assets | 77.4869% | 918 |
| Net loans and leases to deposits | 88.7467% | 1,478 |
| Net loans and leases to core deposits | 93.9209% | 1,748 |
| Total domestic deposits to total assets | 87.3125% | 1,491 |
| Equity capital to assets | 9.5116% | 3,653 |
| Core capital (leverage) ratio | 9.6054% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7235% | 2,300 |
| Memoranda: | ||
| Average total assets | $119,953,333 | 3,722 |
| Average earning assets | $112,654,000 | 3,700 |
| Average equity | $11,543,667 | 4,040 |
| Average total loans | $92,309,000 | 3,367 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 1,586 |
| Cost of funding earning assets | 1.1192% | 994 |
| Net interest margin | 3.6208% | 2,601 |
| Noninterest income to average assets | 0.3375% | 3,495 |
| Noninterest expense to average assets | 3.0205% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6920% | 3,303 |
| Return on assets (ROA) | 0.6920% | 3,372 |
| Pretax return on assets | 0.6920% | 3,705 |
| Return on Equity (ROE) | 7.1469% | 2,886 |
| Retained earnings to average equity (ytd only) | -4.0136% | 4,439 |
| Net charge-offs to loans | -0.0224% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3590% | 1,015 |
| Assets per employee ($millions) | 5.8518% | 1,795 |
| Cash dividends to net income (ytd only)* | 156.1576% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,018 |
| Loan loss allowance to noncurrent loans | 30.8041% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 4.1252% | 97 |
| Noncurrent loans to loans | 5.2620% | 109 |
| Net loans and leases to total assets | 74.1071% | 1,585 |
| Net loans and leases to deposits | 83.5190% | 2,282 |
| Net loans and leases to core deposits | 89.9570% | 2,350 |
| Total domestic deposits to total assets | 88.7308% | 794 |
| Equity capital to assets | 9.6030% | 4,131 |
| Core capital (leverage) ratio | 9.5445% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5230% | 2,467 |
| Memoranda: | ||
| Average total assets | $117,333,000 | 3,745 |
| Average earning assets | $109,367,000 | 3,722 |
| Average equity | $11,361,500 | 4,086 |
| Average total loans | $89,237,000 | 3,411 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4473% | 612 |
| Cost of funding earning assets | 1.1172% | 1,267 |
| Net interest margin | 4.3301% | 1,032 |
| Noninterest income to average assets | 0.2073% | 4,418 |
| Noninterest expense to average assets | 2.8782% | 2,355 |
| Loan and lease loss provision to assets | 0.1518% | 1,399 |
| Net operating income to assets | 1.2153% | 2,000 |
| Return on assets (ROA) | 1.2144% | 2,095 |
| Pretax return on assets | 1.2144% | 2,787 |
| Return on Equity (ROE) | 12.6637% | 1,284 |
| Retained earnings to average equity (ytd only) | 5.6987% | 2,029 |
| Net charge-offs to loans | 0.0649% | 2,168 |
| Credit loss provision to net charge-offs | 286.8852% | 977 |
| Earnings coverage of net charge-offs (x) | 25.8361% | 1,717 |
| Efficiency ratio | 67.7973% | 2,492 |
| Assets per employee ($millions) | 5.8815% | 1,729 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,029 |
| Loan loss allowance to noncurrent loans | 31.4418% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 3.9939% | 101 |
| Noncurrent loans to loans | 5.0148% | 104 |
| Net loans and leases to total assets | 75.5666% | 1,489 |
| Net loans and leases to deposits | 85.4316% | 2,160 |
| Net loans and leases to core deposits | 92.2487% | 2,212 |
| Total domestic deposits to total assets | 88.4528% | 907 |
| Equity capital to assets | 9.7628% | 4,138 |
| Core capital (leverage) ratio | 9.8031% | 3,731 |
| Tier 1 risk-based capital ratio | 12.0380% | 4,342 |
| Total risk-based capital ratio | 13.3052% | 4,206 |
| Memoranda: | ||
| Average total assets | $115,279,000 | 3,758 |
| Average earning assets | $107,503,000 | 3,750 |
| Average equity | $11,055,200 | 4,122 |
| Average total loans | $93,940,800 | 3,321 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5663% | 525 |
| Cost of funding earning assets | 1.1008% | 1,355 |
| Net interest margin | 4.4655% | 832 |
| Noninterest income to average assets | 0.2058% | 4,488 |
| Noninterest expense to average assets | 2.9284% | 2,168 |
| Loan and lease loss provision to assets | 0.2034% | 866 |
| Net operating income to assets | 1.2381% | 2,066 |
| Return on assets (ROA) | 1.2381% | 2,142 |
| Pretax return on assets | 1.2381% | 2,862 |
| Return on Equity (ROE) | 12.9700% | 1,287 |
| Retained earnings to average equity (ytd only) | 4.5182% | 3,132 |
| Net charge-offs to loans | -1.0121% | 5,209 |
| Credit loss provision to net charge-offs | -24.3056% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0125% | 2,586 |
| Assets per employee ($millions) | 5.7606% | 1,797 |
| Cash dividends to net income (ytd only)* | 65.1645% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3132% | 278 |
| Loan loss allowance to noncurrent loans | 75.8253% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.6707% | 231 |
| Noncurrent loans to loans | 3.0506% | 315 |
| Net loans and leases to total assets | 80.8240% | 727 |
| Net loans and leases to deposits | 91.4590% | 1,510 |
| Net loans and leases to core deposits | 99.1904% | 1,724 |
| Total domestic deposits to total assets | 88.3719% | 890 |
| Equity capital to assets | 9.7681% | 4,241 |
| Core capital (leverage) ratio | 9.6540% | 4,020 |
| Tier 1 risk-based capital ratio | 11.2452% | 4,800 |
| Total risk-based capital ratio | 12.5070% | 4,687 |
| Memoranda: | ||
| Average total assets | $114,691,250 | 3,813 |
| Average earning assets | $106,951,250 | 3,805 |
| Average equity | $10,948,000 | 4,168 |
| Average total loans | $94,847,750 | 3,337 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 383 |
| Cost of funding earning assets | 1.0485% | 1,501 |
| Net interest margin | 4.6708% | 524 |
| Noninterest income to average assets | 0.2061% | 4,514 |
| Noninterest expense to average assets | 2.9602% | 2,107 |
| Loan and lease loss provision to assets | 0.3056% | 449 |
| Net operating income to assets | 1.3046% | 1,750 |
| Return on assets (ROA) | 1.3046% | 1,815 |
| Pretax return on assets | 1.3046% | 2,547 |
| Return on Equity (ROE) | 13.7747% | 1,028 |
| Retained earnings to average equity (ytd only) | 3.8171% | 3,338 |
| Net charge-offs to loans | -1.3370% | 5,257 |
| Credit loss provision to net charge-offs | -27.6461% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7688% | 3,009 |
| Assets per employee ($millions) | 5.6790% | 1,806 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1645% | 349 |
| Loan loss allowance to noncurrent loans | 145.9683% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4519% | 786 |
| Noncurrent loans to loans | 1.4829% | 1,040 |
| Net loans and leases to total assets | 84.2876% | 332 |
| Net loans and leases to deposits | 97.1623% | 920 |
| Net loans and leases to core deposits | 105.6597% | 1,265 |
| Total domestic deposits to total assets | 86.7493% | 1,706 |
| Equity capital to assets | 9.7412% | 4,200 |
| Core capital (leverage) ratio | 9.7221% | 3,907 |
| Tier 1 risk-based capital ratio | 11.0713% | 4,877 |
| Total risk-based capital ratio | 12.3445% | 4,779 |
| Memoranda: | ||
| Average total assets | $114,517,670 | 3,836 |
| Average earning assets | $107,005,330 | 3,822 |
| Average equity | $10,846,000 | 4,193 |
| Average total loans | $94,689,000 | 3,359 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 448 |
| Cost of funding earning assets | 0.9973% | 1,573 |
| Net interest margin | 4.5792% | 636 |
| Noninterest income to average assets | 0.2052% | 4,521 |
| Noninterest expense to average assets | 2.9012% | 2,276 |
| Loan and lease loss provision to assets | 0.6088% | 174 |
| Net operating income to assets | 0.9601% | 3,003 |
| Return on assets (ROA) | 0.9601% | 3,048 |
| Pretax return on assets | 0.9601% | 3,585 |
| Return on Equity (ROE) | 10.2822% | 2,251 |
| Retained earnings to average equity (ytd only) | -0.2235% | 4,565 |
| Net charge-offs to loans | 0.1933% | 722 |
| Credit loss provision to net charge-offs | 388.8889% | 709 |
| Earnings coverage of net charge-offs (x) | 10.0222% | 1,983 |
| Efficiency ratio | 64.9027% | 3,097 |
| Assets per employee ($millions) | 5.6605% | 1,832 |
| Cash dividends to net income (ytd only)* | 102.1739% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 1,058 |
| Loan loss allowance to noncurrent loans | 365.4822% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 2,538 |
| Noncurrent loans to loans | 0.4378% | 3,014 |
| Net loans and leases to total assets | 78.2288% | 1,112 |
| Net loans and leases to deposits | 88.0364% | 1,865 |
| Net loans and leases to core deposits | 94.3796% | 2,089 |
| Total domestic deposits to total assets | 88.8595% | 930 |
| Equity capital to assets | 9.5125% | 4,248 |
| Core capital (leverage) ratio | 9.3785% | 4,288 |
| Tier 1 risk-based capital ratio | 11.4970% | 4,745 |
| Total risk-based capital ratio | 12.7637% | 4,629 |
| Memoranda: | ||
| Average total assets | $114,987,000 | 3,875 |
| Average earning assets | $107,094,000 | 3,860 |
| Average equity | $10,737,000 | 4,233 |
| Average total loans | $93,108,000 | 3,426 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3512% | 533 |
| Cost of funding earning assets | 0.8714% | 1,214 |
| Net interest margin | 4.4798% | 795 |
| Noninterest income to average assets | 0.1716% | 4,871 |
| Noninterest expense to average assets | 3.0404% | 1,967 |
| Loan and lease loss provision to assets | 0.4991% | 237 |
| Net operating income to assets | 0.7829% | 3,869 |
| Return on assets (ROA) | 0.7829% | 3,870 |
| Pretax return on assets | 0.7829% | 4,216 |
| Return on Equity (ROE) | 8.6945% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.2534% | 2,058 |
| Net charge-offs to loans | 0.7041% | 228 |
| Credit loss provision to net charge-offs | 84.9478% | 2,787 |
| Earnings coverage of net charge-offs (x) | 2.1818% | 3,552 |
| Efficiency ratio | 70.3404% | 2,129 |
| Assets per employee ($millions) | 5.3075% | 2,145 |
| Cash dividends to net income (ytd only)* | 28.0761% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,784 |
| Loan loss allowance to noncurrent loans | 213.3550% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,051 |
| Noncurrent loans to loans | 0.6382% | 2,389 |
| Net loans and leases to total assets | 81.2778% | 774 |
| Net loans and leases to deposits | 92.4945% | 1,474 |
| Net loans and leases to core deposits | 99.1020% | 1,785 |
| Total domestic deposits to total assets | 87.8731% | 1,357 |
| Equity capital to assets | 9.1680% | 4,428 |
| Core capital (leverage) ratio | 9.2010% | 4,457 |
| Tier 1 risk-based capital ratio | 10.7617% | 5,086 |
| Total risk-based capital ratio | 12.0223% | 4,971 |
| Memoranda: | ||
| Average total assets | $114,195,200 | 3,881 |
| Average earning assets | $105,807,200 | 3,881 |
| Average equity | $10,282,400 | 4,267 |
| Average total loans | $95,295,800 | 3,381 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2681% | 550 |
| Cost of funding earning assets | 0.8302% | 1,195 |
| Net interest margin | 4.4379% | 831 |
| Noninterest income to average assets | 0.1749% | 4,909 |
| Noninterest expense to average assets | 2.9237% | 2,242 |
| Loan and lease loss provision to assets | 0.5284% | 202 |
| Net operating income to assets | 0.8278% | 3,815 |
| Return on assets (ROA) | 0.8278% | 3,825 |
| Pretax return on assets | 0.8278% | 4,226 |
| Return on Equity (ROE) | 9.2365% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.9481% | 2,682 |
| Net charge-offs to loans | 1.0084% | 137 |
| Credit loss provision to net charge-offs | 62.5869% | 2,716 |
| Earnings coverage of net charge-offs (x) | 1.6064% | 3,335 |
| Efficiency ratio | 68.3128% | 2,479 |
| Assets per employee ($millions) | 5.5327% | 1,883 |
| Cash dividends to net income (ytd only)* | 35.6029% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,999 |
| Loan loss allowance to noncurrent loans | 88.5958% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 1,106 |
| Noncurrent loans to loans | 1.2807% | 1,317 |
| Net loans and leases to total assets | 85.6420% | 295 |
| Net loans and leases to deposits | 99.4752% | 830 |
| Net loans and leases to core deposits | 107.4789% | 1,202 |
| Total domestic deposits to total assets | 86.0938% | 2,149 |
| Equity capital to assets | 8.9873% | 4,559 |
| Core capital (leverage) ratio | 9.0762% | 4,632 |
| Tier 1 risk-based capital ratio | 10.2631% | 5,308 |
| Total risk-based capital ratio | 11.3930% | 5,279 |
| Memoranda: | ||
| Average total assets | $113,552,750 | 3,930 |
| Average earning assets | $105,031,250 | 3,937 |
| Average equity | $10,176,750 | 4,323 |
| Average total loans | $95,066,250 | 3,417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 594 |
| Cost of funding earning assets | 0.8009% | 1,117 |
| Net interest margin | 4.3624% | 923 |
| Noninterest income to average assets | 0.1828% | 4,916 |
| Noninterest expense to average assets | 2.9856% | 2,076 |
| Loan and lease loss provision to assets | 0.5414% | 201 |
| Net operating income to assets | 0.6781% | 4,254 |
| Return on assets (ROA) | 0.6781% | 4,261 |
| Pretax return on assets | 0.6781% | 4,561 |
| Return on Equity (ROE) | 7.5731% | 3,690 |
| Retained earnings to average equity (ytd only) | 2.5971% | 4,216 |
| Net charge-offs to loans | 1.0107% | 130 |
| Credit loss provision to net charge-offs | 64.7558% | 2,399 |
| Earnings coverage of net charge-offs (x) | 1.4586% | 3,060 |
| Efficiency ratio | 71.0004% | 2,162 |
| Assets per employee ($millions) | 5.4133% | 1,982 |
| Cash dividends to net income (ytd only)* | 65.7068% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,209 |
| Loan loss allowance to noncurrent loans | 184.9926% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,020 |
| Noncurrent loans to loans | 0.6982% | 2,363 |
| Net loans and leases to total assets | 83.6927% | 492 |
| Net loans and leases to deposits | 97.0906% | 1,031 |
| Net loans and leases to core deposits | 104.7612% | 1,330 |
| Total domestic deposits to total assets | 86.2006% | 2,189 |
| Equity capital to assets | 8.9392% | 4,604 |
| Core capital (leverage) ratio | 8.9805% | 4,705 |
| Tier 1 risk-based capital ratio | 10.4454% | 5,294 |
| Total risk-based capital ratio | 11.7121% | 5,185 |
| Memoranda: | ||
| Average total assets | $112,675,000 | 3,976 |
| Average earning assets | $103,888,000 | 3,990 |
| Average equity | $10,088,330 | 4,369 |
| Average total loans | $93,206,330 | 3,458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 638 |
| Cost of funding earning assets | 0.7565% | 1,157 |
| Net interest margin | 4.2878% | 969 |
| Noninterest income to average assets | 0.1676% | 5,019 |
| Noninterest expense to average assets | 2.8955% | 2,382 |
| Loan and lease loss provision to assets | 0.4992% | 209 |
| Net operating income to assets | 0.7346% | 3,969 |
| Return on assets (ROA) | 0.7346% | 3,975 |
| Pretax return on assets | 0.7346% | 4,338 |
| Return on Equity (ROE) | 8.1978% | 3,295 |
| Retained earnings to average equity (ytd only) | -1.7908% | 4,990 |
| Net charge-offs to loans | 1.8599% | 66 |
| Credit loss provision to net charge-offs | 32.8638% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.8122% | 2,613 |
| Efficiency ratio | 70.1209% | 2,469 |
| Assets per employee ($millions) | 5.3473% | 2,094 |
| Cash dividends to net income (ytd only)* | 121.8447% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,535 |
| Loan loss allowance to noncurrent loans | 141.3317% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 1,436 |
| Noncurrent loans to loans | 0.8824% | 2,064 |
| Net loans and leases to total assets | 79.3266% | 1,032 |
| Net loans and leases to deposits | 90.7858% | 1,587 |
| Net loans and leases to core deposits | 98.7342% | 1,787 |
| Total domestic deposits to total assets | 87.3778% | 1,964 |
| Equity capital to assets | 8.8856% | 4,675 |
| Core capital (leverage) ratio | 9.0388% | 4,638 |
| Tier 1 risk-based capital ratio | 10.8630% | 5,212 |
| Total risk-based capital ratio | 12.1041% | 5,110 |
| Memoranda: | ||
| Average total assets | $112,173,000 | 4,026 |
| Average earning assets | $103,642,000 | 4,036 |
| Average equity | $10,051,500 | 4,419 |
| Average total loans | $91,616,500 | 3,514 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 459 |
| Cost of funding earning assets | 0.7254% | 909 |
| Net interest margin | 4.4597% | 681 |
| Noninterest income to average assets | 0.1878% | 5,017 |
| Noninterest expense to average assets | 2.9232% | 2,377 |
| Loan and lease loss provision to assets | 0.1058% | 2,119 |
| Net operating income to assets | 1.2615% | 1,322 |
| Return on assets (ROA) | 1.2615% | 1,348 |
| Pretax return on assets | 1.2615% | 2,501 |
| Return on Equity (ROE) | 13.9894% | 758 |
| Retained earnings to average equity (ytd only) | 5.2692% | 1,956 |
| Net charge-offs to loans | 0.0117% | 3,672 |
| Credit loss provision to net charge-offs | 1,090.9091% | 330 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 495 |
| Efficiency ratio | 68.1323% | 2,872 |
| Assets per employee ($millions) | 5.1149% | 2,343 |
| Cash dividends to net income (ytd only)* | 62.3340% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,380 |
| Loan loss allowance to noncurrent loans | 159.6154% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 1,281 |
| Noncurrent loans to loans | 0.9454% | 1,880 |
| Net loans and leases to total assets | 81.8408% | 700 |
| Net loans and leases to deposits | 94.3392% | 1,236 |
| Net loans and leases to core deposits | 102.3301% | 1,537 |
| Total domestic deposits to total assets | 86.7516% | 2,114 |
| Equity capital to assets | 9.4200% | 4,305 |
| Core capital (leverage) ratio | 9.3453% | 4,233 |
| Tier 1 risk-based capital ratio | 10.9061% | 5,198 |
| Total risk-based capital ratio | 12.1719% | 5,074 |
| Memoranda: | ||
| Average total assets | $113,436,400 | 4,003 |
| Average earning assets | $104,356,600 | 4,017 |
| Average equity | $10,229,200 | 4,418 |
| Average total loans | $93,670,800 | 3,457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 473 |
| Cost of funding earning assets | 0.7090% | 925 |
| Net interest margin | 4.4261% | 693 |
| Noninterest income to average assets | 0.1853% | 5,092 |
| Noninterest expense to average assets | 2.7847% | 2,780 |
| Loan and lease loss provision to assets | 0.0704% | 2,669 |
| Net operating income to assets | 1.4018% | 1,085 |
| Return on assets (ROA) | 1.4018% | 1,108 |
| Pretax return on assets | 1.4018% | 2,113 |
| Return on Equity (ROE) | 15.7183% | 556 |
| Retained earnings to average equity (ytd only) | 3.9855% | 3,557 |
| Net charge-offs to loans | 0.0157% | 3,209 |
| Credit loss provision to net charge-offs | 545.4545% | 579 |
| Earnings coverage of net charge-offs (x) | 114.0620% | 642 |
| Efficiency ratio | 65.4175% | 3,310 |
| Assets per employee ($millions) | 5.2134% | 2,214 |
| Cash dividends to net income (ytd only)* | 74.6443% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,014 |
| Loan loss allowance to noncurrent loans | 176.3708% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 1,632 |
| Noncurrent loans to loans | 0.7777% | 2,425 |
| Net loans and leases to total assets | 84.6967% | 366 |
| Net loans and leases to deposits | 102.5310% | 579 |
| Net loans and leases to core deposits | 112.5853% | 902 |
| Total domestic deposits to total assets | 82.6059% | 3,583 |
| Equity capital to assets | 9.0606% | 4,860 |
| Core capital (leverage) ratio | 8.8923% | 4,873 |
| Tier 1 risk-based capital ratio | 10.2221% | 5,537 |
| Total risk-based capital ratio | 11.4856% | 5,478 |
| Memoranda: | ||
| Average total assets | $113,663,750 | 4,041 |
| Average earning assets | $104,559,250 | 4,058 |
| Average equity | $10,136,500 | 4,470 |
| Average total loans | $93,712,500 | 3,489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 558 |
| Cost of funding earning assets | 0.6891% | 943 |
| Net interest margin | 4.3139% | 826 |
| Noninterest income to average assets | 0.1941% | 5,077 |
| Noninterest expense to average assets | 2.8380% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3113% | 1,270 |
| Return on assets (ROA) | 1.3113% | 1,298 |
| Pretax return on assets | 1.3113% | 2,346 |
| Return on Equity (ROE) | 14.7841% | 697 |
| Retained earnings to average equity (ytd only) | 1.0148% | 4,834 |
| Net charge-offs to loans | 0.0239% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 67.5455% | 864 |
| Efficiency ratio | 68.3964% | 2,937 |
| Assets per employee ($millions) | 5.2054% | 2,149 |
| Cash dividends to net income (ytd only)* | 93.1359% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,370 |
| Loan loss allowance to noncurrent loans | 141.5570% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.1640% | 1,470 |
| Noncurrent loans to loans | 0.9245% | 2,121 |
| Net loans and leases to total assets | 85.0156% | 345 |
| Net loans and leases to deposits | 104.3069% | 478 |
| Net loans and leases to core deposits | 114.2175% | 790 |
| Total domestic deposits to total assets | 81.5053% | 4,045 |
| Equity capital to assets | 8.8640% | 5,024 |
| Core capital (leverage) ratio | 9.0264% | 4,692 |
| Tier 1 risk-based capital ratio | 9.8267% | 5,671 |
| Total risk-based capital ratio | 11.0876% | 5,636 |
| Memoranda: | ||
| Average total assets | $113,320,330 | 4,072 |
| Average earning assets | $103,897,330 | 4,100 |
| Average equity | $10,051,330 | 4,503 |
| Average total loans | $92,119,000 | 3,533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 619 |
| Cost of funding earning assets | 0.6955% | 858 |
| Net interest margin | 4.2122% | 963 |
| Noninterest income to average assets | 0.1668% | 5,277 |
| Noninterest expense to average assets | 2.8779% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1143% | 1,808 |
| Return on assets (ROA) | 1.1143% | 1,851 |
| Pretax return on assets | 1.1143% | 2,925 |
| Return on Equity (ROE) | 12.5581% | 1,100 |
| Retained earnings to average equity (ytd only) | -1.9197% | 5,161 |
| Net charge-offs to loans | 0.0180% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 663 |
| Efficiency ratio | 72.0889% | 2,562 |
| Assets per employee ($millions) | 5.3071% | 2,071 |
| Cash dividends to net income (ytd only)* | 115.2866% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,814 |
| Loan loss allowance to noncurrent loans | 65.0627% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.7901% | 796 |
| Noncurrent loans to loans | 2.2496% | 743 |
| Net loans and leases to total assets | 78.4063% | 1,074 |
| Net loans and leases to deposits | 89.8503% | 1,552 |
| Net loans and leases to core deposits | 99.3790% | 1,553 |
| Total domestic deposits to total assets | 87.2632% | 2,085 |
| Equity capital to assets | 8.9619% | 4,843 |
| Core capital (leverage) ratio | 8.8055% | 4,950 |
| Tier 1 risk-based capital ratio | 10.7205% | 5,451 |
| Total risk-based capital ratio | 11.9821% | 5,363 |
| Memoranda: | ||
| Average total assets | $112,721,000 | 4,120 |
| Average earning assets | $102,370,500 | 4,167 |
| Average equity | $10,001,500 | 4,543 |
| Average total loans | $88,853,500 | 3,621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9556% | 650 |
| Cost of funding earning assets | 0.6875% | 868 |
| Net interest margin | 4.2681% | 984 |
| Noninterest income to average assets | 0.1473% | 5,465 |
| Noninterest expense to average assets | 2.6304% | 3,588 |
| Loan and lease loss provision to assets | 0.5200% | 264 |
| Net operating income to assets | 0.8979% | 2,835 |
| Return on assets (ROA) | 0.8979% | 2,957 |
| Pretax return on assets | 0.8979% | 3,858 |
| Return on Equity (ROE) | 10.3385% | 1,834 |
| Retained earnings to average equity (ytd only) | 0.2894% | 5,203 |
| Net charge-offs to loans | 0.4267% | 606 |
| Credit loss provision to net charge-offs | 149.6259% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.0798% | 3,561 |
| Efficiency ratio | 64.9754% | 3,766 |
| Assets per employee ($millions) | 5.4282% | 1,924 |
| Cash dividends to net income (ytd only)* | 97.2008% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,831 |
| Loan loss allowance to noncurrent loans | 89.5461% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 1,393 |
| Noncurrent loans to loans | 1.6332% | 1,194 |
| Net loans and leases to total assets | 76.9556% | 1,372 |
| Net loans and leases to deposits | 88.0277% | 1,924 |
| Net loans and leases to core deposits | 96.9005% | 1,842 |
| Total domestic deposits to total assets | 87.4220% | 1,920 |
| Equity capital to assets | 8.7856% | 5,035 |
| Core capital (leverage) ratio | 8.7831% | 4,985 |
| Tier 1 risk-based capital ratio | 10.6583% | 5,503 |
| Total risk-based capital ratio | 11.9194% | 5,415 |
| Memoranda: | ||
| Average total assets | $115,380,400 | 4,075 |
| Average earning assets | $105,456,200 | 4,092 |
| Average equity | $10,020,800 | 4,567 |
| Average total loans | $93,983,600 | 3,496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 661 |
| Cost of funding earning assets | 0.6684% | 958 |
| Net interest margin | 4.2796% | 965 |
| Noninterest income to average assets | 0.1452% | 5,533 |
| Noninterest expense to average assets | 2.5197% | 3,928 |
| Loan and lease loss provision to assets | 0.5185% | 235 |
| Net operating income to assets | 1.0461% | 2,214 |
| Return on assets (ROA) | 1.0461% | 2,345 |
| Pretax return on assets | 1.0461% | 3,447 |
| Return on Equity (ROE) | 12.0795% | 1,304 |
| Retained earnings to average equity (ytd only) | -1.3171% | 5,530 |
| Net charge-offs to loans | 0.0014% | 3,897 |
| Credit loss provision to net charge-offs | 45,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,361.3684% | 43 |
| Efficiency ratio | 61.6925% | 4,281 |
| Assets per employee ($millions) | 5.3179% | 2,032 |
| Cash dividends to net income (ytd only)* | 110.9025% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,306 |
| Loan loss allowance to noncurrent loans | 128.8206% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 1,901 |
| Noncurrent loans to loans | 1.2880% | 1,734 |
| Net loans and leases to total assets | 82.3185% | 574 |
| Net loans and leases to deposits | 96.4082% | 1,013 |
| Net loans and leases to core deposits | 105.6327% | 1,218 |
| Total domestic deposits to total assets | 85.3854% | 2,647 |
| Equity capital to assets | 8.9473% | 5,217 |
| Core capital (leverage) ratio | 8.7354% | 5,121 |
| Tier 1 risk-based capital ratio | 10.3531% | 5,679 |
| Total risk-based capital ratio | 11.6110% | 5,597 |
| Memoranda: | ||
| Average total assets | $115,727,250 | 4,094 |
| Average earning assets | $106,519,000 | 4,095 |
| Average equity | $10,022,250 | 4,613 |
| Average total loans | $95,223,000 | 3,487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 636 |
| Cost of funding earning assets | 0.6595% | 1,001 |
| Net interest margin | 4.2998% | 925 |
| Noninterest income to average assets | 0.1452% | 5,582 |
| Noninterest expense to average assets | 2.4274% | 4,243 |
| Loan and lease loss provision to assets | 0.5125% | 253 |
| Net operating income to assets | 1.1480% | 1,779 |
| Return on assets (ROA) | 1.1480% | 1,898 |
| Pretax return on assets | 1.1480% | 2,991 |
| Return on Equity (ROE) | 13.3967% | 945 |
| Retained earnings to average equity (ytd only) | -2.6913% | 5,597 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3815% | 4,730 |
| Assets per employee ($millions) | 5.3709% | 1,915 |
| Cash dividends to net income (ytd only)* | 120.0893% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,564 |
| Loan loss allowance to noncurrent loans | 96.4900% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 1,572 |
| Noncurrent loans to loans | 1.6447% | 1,298 |
| Net loans and leases to total assets | 77.0827% | 1,324 |
| Net loans and leases to deposits | 90.0457% | 1,748 |
| Net loans and leases to core deposits | 99.0634% | 1,715 |
| Total domestic deposits to total assets | 85.6040% | 2,606 |
| Equity capital to assets | 8.8573% | 5,350 |
| Core capital (leverage) ratio | 8.5289% | 5,341 |
| Tier 1 risk-based capital ratio | 10.6218% | 5,618 |
| Total risk-based capital ratio | 11.8769% | 5,533 |
| Memoranda: | ||
| Average total assets | $117,077,670 | 4,105 |
| Average earning assets | $107,355,000 | 4,109 |
| Average equity | $10,032,330 | 4,637 |
| Average total loans | $95,803,670 | 3,486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 613 |
| Cost of funding earning assets | 0.6210% | 1,214 |
| Net interest margin | 4.3542% | 824 |
| Noninterest income to average assets | 0.1476% | 5,602 |
| Noninterest expense to average assets | 2.4358% | 4,272 |
| Loan and lease loss provision to assets | 0.5033% | 245 |
| Net operating income to assets | 1.2078% | 1,526 |
| Return on assets (ROA) | 1.2078% | 1,630 |
| Pretax return on assets | 1.2078% | 2,671 |
| Return on Equity (ROE) | 14.3234% | 775 |
| Retained earnings to average equity (ytd only) | -3.2625% | 5,496 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7379% | 4,911 |
| Assets per employee ($millions) | 5.9195% | 1,472 |
| Cash dividends to net income (ytd only)* | 122.7778% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,842 |
| Loan loss allowance to noncurrent loans | 77.1411% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3709% | 1,539 |
| Noncurrent loans to loans | 1.7010% | 1,328 |
| Net loans and leases to total assets | 79.5386% | 881 |
| Net loans and leases to deposits | 93.4993% | 1,194 |
| Net loans and leases to core deposits | 101.8595% | 1,351 |
| Total domestic deposits to total assets | 85.0687% | 3,103 |
| Equity capital to assets | 8.4341% | 5,612 |
| Core capital (leverage) ratio | 8.3342% | 5,537 |
| Tier 1 risk-based capital ratio | 10.2606% | 5,844 |
| Total risk-based capital ratio | 11.5114% | 5,769 |
| Memoranda: | ||
| Average total assets | $119,222,500 | 4,088 |
| Average earning assets | $109,503,500 | 4,099 |
| Average equity | $10,053,500 | 4,651 |
| Average total loans | $99,534,500 | 3,431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 421 |
| Cost of funding earning assets | 0.5942% | 1,404 |
| Net interest margin | 4.6145% | 525 |
| Noninterest income to average assets | 0.1605% | 5,620 |
| Noninterest expense to average assets | 2.5929% | 3,950 |
| Loan and lease loss provision to assets | 0.4832% | 238 |
| Net operating income to assets | 1.3598% | 1,121 |
| Return on assets (ROA) | 1.3598% | 1,167 |
| Pretax return on assets | 1.3598% | 2,069 |
| Return on Equity (ROE) | 16.0977% | 547 |
| Retained earnings to average equity (ytd only) | 7.0479% | 1,261 |
| Net charge-offs to loans | 0.4058% | 704 |
| Credit loss provision to net charge-offs | 140.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 5.3400% | 3,411 |
| Efficiency ratio | 58.4517% | 5,091 |
| Assets per employee ($millions) | 5.7170% | 1,605 |
| Cash dividends to net income (ytd only)* | 56.2183% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 4,244 |
| Loan loss allowance to noncurrent loans | 65.1685% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 1,489 |
| Noncurrent loans to loans | 1.6314% | 1,399 |
| Net loans and leases to total assets | 85.4185% | 277 |
| Net loans and leases to deposits | 105.0739% | 392 |
| Net loans and leases to core deposits | 113.3763% | 714 |
| Total domestic deposits to total assets | 81.2937% | 4,401 |
| Equity capital to assets | 8.4311% | 5,615 |
| Core capital (leverage) ratio | 8.1316% | 5,757 |
| Tier 1 risk-based capital ratio | 9.8681% | 5,981 |
| Total risk-based capital ratio | 10.9627% | 5,993 |
| Memoranda: | ||
| Average total assets | $115,895,200 | 4,139 |
| Average earning assets | $107,380,000 | 4,106 |
| Average equity | $9,790,200 | 4,693 |
| Average total loans | $98,571,000 | 3,406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1549% | 470 |
| Cost of funding earning assets | 0.5964% | 1,430 |
| Net interest margin | 4.5585% | 581 |
| Noninterest income to average assets | 0.1567% | 5,706 |
| Noninterest expense to average assets | 2.4587% | 4,324 |
| Loan and lease loss provision to assets | 0.1857% | 1,111 |
| Net operating income to assets | 1.7355% | 584 |
| Return on assets (ROA) | 1.7355% | 607 |
| Pretax return on assets | 1.7355% | 1,017 |
| Return on Equity (ROE) | 20.5339% | 243 |
| Retained earnings to average equity (ytd only) | 8.3647% | 1,105 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1357% | 5,336 |
| Assets per employee ($millions) | 5.8334% | 1,481 |
| Cash dividends to net income (ytd only)* | 59.2641% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 4,583 |
| Loan loss allowance to noncurrent loans | 306.1111% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,588 |
| Noncurrent loans to loans | 0.3366% | 4,405 |
| Net loans and leases to total assets | 86.4124% | 209 |
| Net loans and leases to deposits | 111.3852% | 227 |
| Net loans and leases to core deposits | 120.0740% | 467 |
| Total domestic deposits to total assets | 77.5798% | 5,251 |
| Equity capital to assets | 8.1869% | 5,880 |
| Core capital (leverage) ratio | 8.1083% | 5,838 |
| Tier 1 risk-based capital ratio | 9.5697% | 6,132 |
| Total risk-based capital ratio | 10.6399% | 6,140 |
| Memoranda: | ||
| Average total assets | $114,855,000 | 4,200 |
| Average earning assets | $106,407,000 | 4,172 |
| Average equity | $9,707,250 | 4,767 |
| Average total loans | $97,300,750 | 3,465 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 558 |
| Cost of funding earning assets | 0.6098% | 1,347 |
| Net interest margin | 4.4326% | 720 |
| Noninterest income to average assets | 0.1549% | 5,778 |
| Noninterest expense to average assets | 2.5395% | 4,104 |
| Loan and lease loss provision to assets | 0.1781% | 1,156 |
| Net operating income to assets | 1.5280% | 859 |
| Return on assets (ROA) | 1.5280% | 901 |
| Pretax return on assets | 1.5280% | 1,562 |
| Return on Equity (ROE) | 17.8750% | 419 |
| Retained earnings to average equity (ytd only) | 3.5833% | 3,745 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8154% | 5,011 |
| Assets per employee ($millions) | 5.6009% | 1,657 |
| Cash dividends to net income (ytd only)* | 79.9534% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.1723% | 287 |
| Net loans and leases to deposits | 105.4450% | 394 |
| Net loans and leases to core deposits | 113.0894% | 706 |
| Total domestic deposits to total assets | 80.7742% | 4,676 |
| Equity capital to assets | 8.0965% | 5,935 |
| Core capital (leverage) ratio | 8.3346% | 5,693 |
| Tier 1 risk-based capital ratio | 9.5890% | 6,190 |
| Total risk-based capital ratio | 10.6501% | 6,197 |
| Memoranda: | ||
| Average total assets | $112,306,330 | 4,291 |
| Average earning assets | $103,641,330 | 4,282 |
| Average equity | $9,600,000 | 4,820 |
| Average total loans | $94,081,670 | 3,551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 652 |
| Cost of funding earning assets | 0.6239% | 1,276 |
| Net interest margin | 4.3078% | 862 |
| Noninterest income to average assets | 0.1496% | 5,843 |
| Noninterest expense to average assets | 2.5645% | 4,051 |
| Loan and lease loss provision to assets | 0.1824% | 1,048 |
| Net operating income to assets | 1.3570% | 1,121 |
| Return on assets (ROA) | 1.3570% | 1,187 |
| Pretax return on assets | 1.3570% | 2,043 |
| Return on Equity (ROE) | 15.4381% | 643 |
| Retained earnings to average equity (ytd only) | 12.1181% | 554 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4889% | 4,709 |
| Assets per employee ($millions) | 5.2874% | 2,011 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 4,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.2116% | 663 |
| Net loans and leases to deposits | 94.7368% | 917 |
| Net loans and leases to core deposits | 101.3554% | 1,230 |
| Total domestic deposits to total assets | 84.6679% | 3,552 |
| Equity capital to assets | 8.8414% | 5,452 |
| Core capital (leverage) ratio | 8.7053% | 5,323 |
| Tier 1 risk-based capital ratio | 10.3913% | 6,052 |
| Total risk-based capital ratio | 11.4723% | 6,049 |
| Memoranda: | ||
| Average total assets | $109,650,500 | 4,374 |
| Average earning assets | $100,655,000 | 4,383 |
| Average equity | $9,638,500 | 4,857 |
| Average total loans | $90,512,500 | 3,633 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 367 |
| Cost of funding earning assets | 0.6895% | 1,156 |
| Net interest margin | 4.7257% | 502 |
| Noninterest income to average assets | 0.1599% | 5,904 |
| Noninterest expense to average assets | 2.7358% | 3,733 |
| Loan and lease loss provision to assets | 0.2429% | 963 |
| Net operating income to assets | 1.5254% | 834 |
| Return on assets (ROA) | 1.5273% | 861 |
| Pretax return on assets | 1.5273% | 1,446 |
| Return on Equity (ROE) | 18.0269% | 392 |
| Retained earnings to average equity (ytd only) | 12.8997% | 232 |
| Net charge-offs to loans | 0.0252% | 4,327 |
| Credit loss provision to net charge-offs | 1,171.4286% | 243 |
| Earnings coverage of net charge-offs (x) | 85.2857% | 594 |
| Efficiency ratio | 60.7409% | 5,108 |
| Assets per employee ($millions) | 5.1555% | 2,117 |
| Cash dividends to net income (ytd only)* | 28.4421% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 4,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.1545% | 414 |
| Net loans and leases to deposits | 99.4730% | 659 |
| Net loans and leases to core deposits | 106.2553% | 1,002 |
| Total domestic deposits to total assets | 83.5950% | 3,882 |
| Equity capital to assets | 8.7377% | 5,545 |
| Core capital (leverage) ratio | 8.4117% | 5,650 |
| Tier 1 risk-based capital ratio | 10.0435% | 6,252 |
| Total risk-based capital ratio | 11.0668% | 6,266 |
| Memoranda: | ||
| Average total assets | $101,287,800 | 4,574 |
| Average earning assets | $93,107,400 | 4,577 |
| Average equity | $8,581,600 | 5,066 |
| Average total loans | $83,414,800 | 3,785 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 407 |
| Cost of funding earning assets | 0.6974% | 1,162 |
| Net interest margin | 4.6619% | 545 |
| Noninterest income to average assets | 0.1648% | 5,928 |
| Noninterest expense to average assets | 2.6587% | 3,985 |
| Loan and lease loss provision to assets | 0.2491% | 871 |
| Net operating income to assets | 1.5457% | 854 |
| Return on assets (ROA) | 1.5484% | 878 |
| Pretax return on assets | 1.5484% | 1,486 |
| Return on Equity (ROE) | 18.4321% | 404 |
| Retained earnings to average equity (ytd only) | 14.7808% | 218 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6992% | 5,226 |
| Assets per employee ($millions) | 5.2951% | 1,906 |
| Cash dividends to net income (ytd only)* | 19.8100% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 5,429 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 6,098 |
| Noncurrent loans to loans | 0.0221% | 5,935 |
| Net loans and leases to total assets | 84.6832% | 285 |
| Net loans and leases to deposits | 108.7405% | 250 |
| Net loans and leases to core deposits | 116.0609% | 503 |
| Total domestic deposits to total assets | 77.8764% | 5,556 |
| Equity capital to assets | 8.3212% | 5,924 |
| Core capital (leverage) ratio | 8.1194% | 5,994 |
| Tier 1 risk-based capital ratio | 9.4268% | 6,447 |
| Total risk-based capital ratio | 10.3657% | 6,462 |
| Memoranda: | ||
| Average total assets | $99,543,250 | 4,651 |
| Average earning assets | $91,577,250 | 4,656 |
| Average equity | $8,362,000 | 5,156 |
| Average total loans | $81,526,000 | 3,857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 450 |
| Cost of funding earning assets | 0.7010% | 1,186 |
| Net interest margin | 4.5758% | 607 |
| Noninterest income to average assets | 0.1673% | 5,950 |
| Noninterest expense to average assets | 2.6887% | 3,910 |
| Loan and lease loss provision to assets | 0.2007% | 1,200 |
| Net operating income to assets | 1.4677% | 931 |
| Return on assets (ROA) | 1.4719% | 960 |
| Pretax return on assets | 1.4719% | 1,631 |
| Return on Equity (ROE) | 17.4582% | 507 |
| Retained earnings to average equity (ytd only) | 11.7793% | 448 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7083% | 5,052 |
| Assets per employee ($millions) | 5.7053% | 1,521 |
| Cash dividends to net income (ytd only)* | 32.5284% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 5,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 84.1993% | 286 |
| Net loans and leases to deposits | 108.2268% | 240 |
| Net loans and leases to core deposits | 114.5353% | 516 |
| Total domestic deposits to total assets | 77.7989% | 5,677 |
| Equity capital to assets | 8.0904% | 6,103 |
| Core capital (leverage) ratio | 8.6856% | 5,422 |
| Tier 1 risk-based capital ratio | 9.2252% | 6,519 |
| Total risk-based capital ratio | 10.0960% | 6,542 |
| Memoranda: | ||
| Average total assets | $95,658,330 | 4,778 |
| Average earning assets | $87,590,330 | 4,780 |
| Average equity | $8,065,000 | 5,259 |
| Average total loans | $77,011,670 | 4,005 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 473 |
| Cost of funding earning assets | 0.7310% | 1,070 |
| Net interest margin | 4.4801% | 681 |
| Noninterest income to average assets | 0.1568% | 6,027 |
| Noninterest expense to average assets | 2.8492% | 3,384 |
| Loan and lease loss provision to assets | 0.2150% | 1,066 |
| Net operating income to assets | 1.1558% | 1,611 |
| Return on assets (ROA) | 1.1558% | 1,684 |
| Pretax return on assets | 1.1558% | 2,673 |
| Return on Equity (ROE) | 13.3809% | 1,065 |
| Retained earnings to average equity (ytd only) | 10.4765% | 849 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5159% | 4,268 |
| Assets per employee ($millions) | 5.0328% | 2,213 |
| Cash dividends to net income (ytd only)* | 21.7054% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 5,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.4824% | 496 |
| Net loans and leases to deposits | 89.4161% | 1,209 |
| Net loans and leases to core deposits | 94.1806% | 1,536 |
| Total domestic deposits to total assets | 90.0088% | 1,071 |
| Equity capital to assets | 8.6566% | 5,490 |
| Core capital (leverage) ratio | 8.6781% | 5,413 |
| Tier 1 risk-based capital ratio | 9.7096% | 6,525 |
| Total risk-based capital ratio | 10.6693% | 6,551 |
| Memoranda: | ||
| Average total assets | $89,287,500 | 4,990 |
| Average earning assets | $80,980,500 | 5,000 |
| Average equity | $7,712,500 | 5,368 |
| Average total loans | $69,475,000 | 4,279 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 774 |
| Cost of funding earning assets | 0.8247% | 1,067 |
| Net interest margin | 4.2659% | 1,178 |
| Noninterest income to average assets | 0.1790% | 6,011 |
| Noninterest expense to average assets | 2.7312% | 3,987 |
| Loan and lease loss provision to assets | 0.3684% | 848 |
| Net operating income to assets | 0.8542% | 3,010 |
| Return on assets (ROA) | 1.0588% | 2,159 |
| Pretax return on assets | 1.0413% | 3,187 |
| Return on Equity (ROE) | 11.9338% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.7856% | 1,532 |
| Net charge-offs to loans | 0.0257% | 4,909 |
| Credit loss provision to net charge-offs | 1,981.2500% | 125 |
| Earnings coverage of net charge-offs (x) | 64.8125% | 646 |
| Efficiency ratio | 69.3829% | 3,941 |
| Assets per employee ($millions) | 4.6308% | 2,683 |
| Cash dividends to net income (ytd only)* | 43.1394% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,158 |
| Loan loss allowance to noncurrent loans | 202.5424% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 5,046 |
| Noncurrent loans to loans | 0.5423% | 4,638 |
| Net loans and leases to total assets | 73.3750% | 1,458 |
| Net loans and leases to deposits | 81.5973% | 2,236 |
| Net loans and leases to core deposits | 86.0764% | 2,436 |
| Total domestic deposits to total assets | 89.9233% | 1,116 |
| Equity capital to assets | 8.6185% | 5,464 |
| Core capital (leverage) ratio | 8.3864% | 5,797 |
| Tier 1 risk-based capital ratio | 10.3208% | 6,424 |
| Total risk-based capital ratio | 11.3025% | 6,466 |
| Memoranda: | ||
| Average total assets | $86,044,000 | 5,081 |
| Average earning assets | $75,786,200 | 5,161 |
| Average equity | $7,633,800 | 5,427 |
| Average total loans | $62,215,800 | 4,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 959 |
| Cost of funding earning assets | 0.8367% | 1,113 |
| Net interest margin | 4.1534% | 1,472 |
| Noninterest income to average assets | 0.1808% | 6,111 |
| Noninterest expense to average assets | 2.6087% | 4,362 |
| Loan and lease loss provision to assets | 0.4239% | 690 |
| Net operating income to assets | 0.8150% | 3,271 |
| Return on assets (ROA) | 1.0893% | 2,124 |
| Pretax return on assets | 1.0659% | 3,240 |
| Return on Equity (ROE) | 12.1883% | 1,422 |
| Retained earnings to average equity (ytd only) | 7.4106% | 1,683 |
| Net charge-offs to loans | 0.0043% | 5,104 |
| Credit loss provision to net charge-offs | 13,600.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 389.5019% | 150 |
| Efficiency ratio | 68.2152% | 4,056 |
| Assets per employee ($millions) | 4.8367% | 2,381 |
| Cash dividends to net income (ytd only)* | 39.1983% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 5,595 |
| Loan loss allowance to noncurrent loans | 97.8602% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 4,093 |
| Noncurrent loans to loans | 1.0524% | 3,697 |
| Net loans and leases to total assets | 75.7193% | 1,044 |
| Net loans and leases to deposits | 86.5561% | 1,550 |
| Net loans and leases to core deposits | 91.1595% | 1,857 |
| Total domestic deposits to total assets | 87.4800% | 2,428 |
| Equity capital to assets | 8.6353% | 5,585 |
| Core capital (leverage) ratio | 8.6840% | 5,561 |
| Tier 1 risk-based capital ratio | 10.1512% | 6,553 |
| Total risk-based capital ratio | 11.0866% | 6,604 |
| Memoranda: | ||
| Average total assets | $85,558,750 | 5,139 |
| Average earning assets | $75,054,000 | 5,223 |
| Average equity | $7,646,500 | 5,482 |
| Average total loans | $61,450,750 | 4,603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 1,445 |
| Cost of funding earning assets | 0.8527% | 1,127 |
| Net interest margin | 3.8951% | 2,225 |
| Noninterest income to average assets | 0.1811% | 6,123 |
| Noninterest expense to average assets | 2.5018% | 4,720 |
| Loan and lease loss provision to assets | 0.5455% | 487 |
| Net operating income to assets | 0.5737% | 4,426 |
| Return on assets (ROA) | 0.9876% | 2,525 |
| Pretax return on assets | 0.9523% | 3,712 |
| Return on Equity (ROE) | 10.9242% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.3581% | 2,836 |
| Net charge-offs to loans | 0.0067% | 4,754 |
| Credit loss provision to net charge-offs | 11,600.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 230.5000% | 227 |
| Efficiency ratio | 69.7705% | 3,871 |
| Assets per employee ($millions) | 5.0036% | 2,112 |
| Cash dividends to net income (ytd only)* | 50.9524% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,646 |
| Loan loss allowance to noncurrent loans | 99.2320% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 4,308 |
| Noncurrent loans to loans | 1.0548% | 3,824 |
| Net loans and leases to total assets | 71.7935% | 1,613 |
| Net loans and leases to deposits | 80.1199% | 2,303 |
| Net loans and leases to core deposits | 83.5097% | 2,626 |
| Total domestic deposits to total assets | 89.6076% | 1,262 |
| Equity capital to assets | 8.8676% | 5,373 |
| Core capital (leverage) ratio | 8.4611% | 5,713 |
| Tier 1 risk-based capital ratio | 10.7377% | 6,432 |
| Total risk-based capital ratio | 11.6975% | 6,493 |
| Memoranda: | ||
| Average total assets | $85,058,000 | 5,188 |
| Average earning assets | $74,349,670 | 5,266 |
| Average equity | $7,689,330 | 5,519 |
| Average total loans | $59,731,670 | 4,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 1,218 |
| Cost of funding earning assets | 0.8680% | 1,159 |
| Net interest margin | 3.9689% | 1,895 |
| Noninterest income to average assets | 0.1834% | 6,164 |
| Noninterest expense to average assets | 2.3984% | 5,129 |
| Loan and lease loss provision to assets | 1.0910% | 158 |
| Net operating income to assets | 0.0658% | 6,216 |
| Return on assets (ROA) | 0.0658% | 6,301 |
| Pretax return on assets | 0.1129% | 6,237 |
| Return on Equity (ROE) | 0.7214% | 6,276 |
| Retained earnings to average equity (ytd only) | -5.4106% | 6,393 |
| Net charge-offs to loans | -0.0068% | 5,336 |
| Credit loss provision to net charge-offs | -23,200.0000% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5796% | 4,563 |
| Assets per employee ($millions) | 5.4344% | 1,728 |
| Cash dividends to net income (ytd only)* | 850.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,206 |
| Loan loss allowance to noncurrent loans | 164.7208% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 5,242 |
| Noncurrent loans to loans | 0.7253% | 4,678 |
| Net loans and leases to total assets | 61.7274% | 3,119 |
| Net loans and leases to deposits | 68.8420% | 3,659 |
| Net loans and leases to core deposits | 71.9666% | 3,816 |
| Total domestic deposits to total assets | 89.6653% | 1,256 |
| Equity capital to assets | 8.8361% | 5,677 |
| Core capital (leverage) ratio | 8.2385% | 5,894 |
| Tier 1 risk-based capital ratio | 10.9016% | 6,449 |
| Total risk-based capital ratio | 11.9248% | 6,495 |
| Memoranda: | ||
| Average total assets | $85,056,000 | 5,230 |
| Average earning assets | $73,270,500 | 5,342 |
| Average equity | $7,762,500 | 5,562 |
| Average total loans | $58,740,000 | 4,746 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 415 |
| Cost of funding earning assets | 0.9593% | 1,590 |
| Net interest margin | 4.7689% | 572 |
| Noninterest income to average assets | 0.1721% | 6,170 |
| Noninterest expense to average assets | 2.8339% | 3,897 |
| Loan and lease loss provision to assets | 0.4109% | 1,566 |
| Net operating income to assets | 1.0439% | 2,151 |
| Return on assets (ROA) | 1.0439% | 2,350 |
| Pretax return on assets | 1.1145% | 3,109 |
| Return on Equity (ROE) | 11.9513% | 1,526 |
| Retained earnings to average equity (ytd only) | 10.4078% | 525 |
| Net charge-offs to loans | 0.5468% | 2,096 |
| Credit loss provision to net charge-offs | 104.2345% | 2,868 |
| Earnings coverage of net charge-offs (x) | 3.8697% | 3,565 |
| Efficiency ratio | 65.0074% | 4,700 |
| Assets per employee ($millions) | 4.8919% | 2,368 |
| Cash dividends to net income (ytd only)* | 12.9151% | 3,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 6,687 |
| Loan loss allowance to noncurrent loans | 108.0519% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 5,319 |
| Noncurrent loans to loans | 0.6096% | 4,991 |
| Net loans and leases to total assets | 75.4467% | 995 |
| Net loans and leases to deposits | 87.2655% | 1,355 |
| Net loans and leases to core deposits | 90.8108% | 1,738 |
| Total domestic deposits to total assets | 86.4566% | 3,121 |
| Equity capital to assets | 9.4298% | 4,963 |
| Core capital (leverage) ratio | 8.4751% | 5,650 |
| Tier 1 risk-based capital ratio | 10.2563% | 6,635 |
| Total risk-based capital ratio | 10.8640% | 6,771 |
| Memoranda: | ||
| Average total assets | $77,879,000 | 5,413 |
| Average earning assets | $68,380,200 | 5,484 |
| Average equity | $6,802,600 | 5,817 |
| Average total loans | $56,140,200 | 4,860 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7536% | 422 |
| Cost of funding earning assets | 0.9778% | 1,694 |
| Net interest margin | 4.7758% | 581 |
| Noninterest income to average assets | 0.1829% | 6,211 |
| Noninterest expense to average assets | 2.7934% | 4,003 |
| Loan and lease loss provision to assets | 0.2961% | 2,222 |
| Net operating income to assets | 1.2086% | 1,703 |
| Return on assets (ROA) | 1.2086% | 1,884 |
| Pretax return on assets | 1.2870% | 2,653 |
| Return on Equity (ROE) | 14.1425% | 1,076 |
| Retained earnings to average equity (ytd only) | 12.4104% | 462 |
| Net charge-offs to loans | 0.0123% | 5,534 |
| Credit loss provision to net charge-offs | 3,400.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 181.7046% | 249 |
| Efficiency ratio | 63.8281% | 4,833 |
| Assets per employee ($millions) | 5.0322% | 2,147 |
| Cash dividends to net income (ytd only)* | 12.2478% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 6,473 |
| Loan loss allowance to noncurrent loans | 82.6783% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 4,698 |
| Noncurrent loans to loans | 1.0462% | 4,350 |
| Net loans and leases to total assets | 76.0976% | 961 |
| Net loans and leases to deposits | 95.0754% | 722 |
| Net loans and leases to core deposits | 99.1396% | 1,182 |
| Total domestic deposits to total assets | 80.0393% | 5,642 |
| Equity capital to assets | 9.0581% | 5,766 |
| Core capital (leverage) ratio | 8.3225% | 5,973 |
| Tier 1 risk-based capital ratio | 9.7030% | 6,866 |
| Total risk-based capital ratio | 10.4995% | 6,922 |
| Memoranda: | ||
| Average total assets | $76,558,250 | 5,499 |
| Average earning assets | $67,226,250 | 5,575 |
| Average equity | $6,542,750 | 5,949 |
| Average total loans | $54,385,500 | 4,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 433 |
| Cost of funding earning assets | 1.0217% | 1,638 |
| Net interest margin | 4.7326% | 628 |
| Noninterest income to average assets | 0.1958% | 6,162 |
| Noninterest expense to average assets | 2.8819% | 3,693 |
| Loan and lease loss provision to assets | 0.1767% | 3,331 |
| Net operating income to assets | 1.1990% | 1,724 |
| Return on assets (ROA) | 1.1990% | 1,920 |
| Pretax return on assets | 1.2806% | 2,627 |
| Return on Equity (ROE) | 14.3633% | 1,038 |
| Retained earnings to average equity (ytd only) | 11.5948% | 648 |
| Net charge-offs to loans | 0.0198% | 5,133 |
| Credit loss provision to net charge-offs | 1,300.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 107.2000% | 400 |
| Efficiency ratio | 66.4160% | 4,454 |
| Assets per employee ($millions) | 5.0278% | 2,144 |
| Cash dividends to net income (ytd only)* | 19.2744% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 76.2285% | 939 |
| Net loans and leases to deposits | 92.7295% | 866 |
| Net loans and leases to core deposits | 95.7827% | 1,445 |
| Total domestic deposits to total assets | 82.2052% | 5,055 |
| Equity capital to assets | 8.0291% | 6,551 |
| Core capital (leverage) ratio | 7.6740% | 6,531 |
| Tier 1 risk-based capital ratio | 8.4433% | 7,017 |
| Total risk-based capital ratio | 9.1327% | 7,051 |
| Memoranda: | ||
| Average total assets | $73,561,670 | 5,614 |
| Average earning assets | $64,404,670 | 5,694 |
| Average equity | $6,140,670 | 6,080 |
| Average total loans | $50,624,670 | 5,171 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0732% | 276 |
| Cost of funding earning assets | 1.1175% | 1,308 |
| Net interest margin | 4.9557% | 428 |
| Noninterest income to average assets | 0.2225% | 6,025 |
| Noninterest expense to average assets | 3.0006% | 3,247 |
| Loan and lease loss provision to assets | 0.0856% | 4,310 |
| Net operating income to assets | 1.3006% | 1,460 |
| Return on assets (ROA) | 1.3006% | 1,627 |
| Pretax return on assets | 1.3862% | 2,228 |
| Return on Equity (ROE) | 15.2470% | 929 |
| Retained earnings to average equity (ytd only) | 12.2377% | 793 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0918% | 4,338 |
| Assets per employee ($millions) | 3.9749% | 4,072 |
| Cash dividends to net income (ytd only)* | 19.7368% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 6,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 69.9199% | 1,768 |
| Net loans and leases to deposits | 79.1642% | 2,319 |
| Net loans and leases to core deposits | 80.5666% | 2,999 |
| Total domestic deposits to total assets | 88.3227% | 2,116 |
| Equity capital to assets | 8.4809% | 6,099 |
| Core capital (leverage) ratio | 7.7812% | 6,431 |
| Tier 1 risk-based capital ratio | 9.7794% | 6,921 |
| Total risk-based capital ratio | 10.5236% | 6,996 |
| Memoranda: | ||
| Average total assets | $70,120,000 | 5,770 |
| Average earning assets | $60,133,000 | 5,870 |
| Average equity | $5,981,500 | 6,152 |
| Average total loans | $45,044,500 | 5,418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 2,925 |
| Cost of funding earning assets | 1.3815% | 1,116 |
| Net interest margin | 3.6083% | 4,698 |
| Noninterest income to average assets | 0.2159% | 5,977 |
| Noninterest expense to average assets | 2.9885% | 3,633 |
| Loan and lease loss provision to assets | 0.0730% | 5,697 |
| Net operating income to assets | 0.2082% | 5,569 |
| Return on assets (ROA) | 0.4188% | 4,965 |
| Pretax return on assets | 0.4529% | 5,120 |
| Return on Equity (ROE) | 4.5732% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.5732% | 2,922 |
| Net charge-offs to loans | 0.0119% | 6,264 |
| Credit loss provision to net charge-offs | 1,125.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 45.7500% | 602 |
| Efficiency ratio | 90.9585% | 1,116 |
| Assets per employee ($millions) | 4.2932% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 57.1268% | 4,526 |
| Net loans and leases to deposits | 64.9309% | 4,884 |
| Net loans and leases to core deposits | 65.5820% | 5,308 |
| Total domestic deposits to total assets | 87.9810% | 2,174 |
| Equity capital to assets | 8.5819% | 6,038 |
| Core capital (leverage) ratio | 8.0825% | 6,161 |
| Tier 1 risk-based capital ratio | 11.2655% | 6,311 |
| Total risk-based capital ratio | 12.1201% | 6,500 |
| Memoranda: | ||
| Average total assets | $61,603,600 | 5,993 |
| Average earning assets | $52,407,600 | 6,113 |
| Average equity | $5,641,600 | 6,250 |
| Average total loans | $33,733,000 | 5,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 3,483 |
| Cost of funding earning assets | 1.4117% | 1,182 |
| Net interest margin | 3.5046% | 5,168 |
| Noninterest income to average assets | 0.2429% | 5,884 |
| Noninterest expense to average assets | 2.9192% | 3,840 |
| Loan and lease loss provision to assets | 0.0669% | 5,616 |
| Net operating income to assets | 0.2509% | 5,566 |
| Return on assets (ROA) | 0.4969% | 4,749 |
| Pretax return on assets | 0.5170% | 5,107 |
| Return on Equity (ROE) | 5.3302% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,967 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9108% | 1,170 |
| Assets per employee ($millions) | 4.1721% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 6,048 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,065 |
| Noncurrent loans to loans | 0.0107% | 6,931 |
| Net loans and leases to total assets | 59.0361% | 4,313 |
| Net loans and leases to deposits | 68.0505% | 4,596 |
| Net loans and leases to core deposits | 69.1419% | 5,046 |
| Total domestic deposits to total assets | 86.7534% | 2,793 |
| Equity capital to assets | 9.4963% | 5,093 |
| Core capital (leverage) ratio | 8.6129% | 5,531 |
| Tier 1 risk-based capital ratio | 11.2802% | 6,381 |
| Total risk-based capital ratio | 12.1195% | 6,597 |
| Memoranda: | ||
| Average total assets | $59,831,750 | 6,093 |
| Average earning assets | $51,283,750 | 6,191 |
| Average equity | $5,578,250 | 6,308 |
| Average total loans | $32,255,250 | 6,117 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 4,273 |
| Cost of funding earning assets | 1.4444% | 1,212 |
| Net interest margin | 3.3100% | 5,827 |
| Noninterest income to average assets | 0.2410% | 5,924 |
| Noninterest expense to average assets | 2.9127% | 3,973 |
| Loan and lease loss provision to assets | 0.0509% | 5,676 |
| Net operating income to assets | 0.0733% | 6,073 |
| Return on assets (ROA) | 0.4481% | 4,868 |
| Pretax return on assets | 0.4685% | 5,173 |
| Return on Equity (ROE) | 4.8381% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.8381% | 3,096 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7589% | 890 |
| Assets per employee ($millions) | 4.2374% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 53.9858% | 5,299 |
| Net loans and leases to deposits | 62.2082% | 5,477 |
| Net loans and leases to core deposits | 63.2612% | 5,794 |
| Total domestic deposits to total assets | 86.7825% | 2,868 |
| Equity capital to assets | 9.4297% | 4,925 |
| Core capital (leverage) ratio | 8.7251% | 5,181 |
| Tier 1 risk-based capital ratio | 12.7735% | 5,114 |
| Total risk-based capital ratio | 13.7022% | 5,371 |
| Memoranda: | ||
| Average total assets | $58,915,000 | 6,176 |
| Average earning assets | $49,849,000 | 6,303 |
| Average equity | $5,456,670 | 6,385 |
| Average total loans | $30,561,000 | 6,254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 4,502 |
| Cost of funding earning assets | 1.4857% | 1,229 |
| Net interest margin | 3.2191% | 6,014 |
| Noninterest income to average assets | 0.2316% | 6,060 |
| Noninterest expense to average assets | 2.9364% | 3,910 |
| Loan and lease loss provision to assets | 0.0409% | 5,481 |
| Net operating income to assets | -0.0814% | 6,442 |
| Return on assets (ROA) | 0.1976% | 5,850 |
| Pretax return on assets | 0.2180% | 5,898 |
| Return on Equity (ROE) | 2.1529% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.1529% | 4,849 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6509% | 686 |
| Assets per employee ($millions) | 4.3321% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.6801% | 6,315 |
| Net loans and leases to deposits | 52.1231% | 6,469 |
| Net loans and leases to core deposits | 52.9773% | 6,625 |
| Total domestic deposits to total assets | 87.6389% | 2,586 |
| Equity capital to assets | 8.8013% | 5,496 |
| Core capital (leverage) ratio | 8.6212% | 5,231 |
| Tier 1 risk-based capital ratio | 12.9682% | 4,850 |
| Total risk-based capital ratio | 13.9070% | 5,084 |
| Memoranda: | ||
| Average total assets | $58,711,000 | 6,233 |
| Average earning assets | $48,461,000 | 6,396 |
| Average equity | $5,388,000 | 6,423 |
| Average total loans | $29,640,000 | 6,353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 3,647 |
| Cost of funding earning assets | 1.7038% | 1,585 |
| Net interest margin | 3.4886% | 5,287 |
| Noninterest income to average assets | 0.3144% | 5,547 |
| Noninterest expense to average assets | 3.3828% | 2,481 |
| Loan and lease loss provision to assets | 0.0481% | 6,678 |
| Net operating income to assets | -0.1843% | 6,097 |
| Return on assets (ROA) | -0.1843% | 6,149 |
| Pretax return on assets | -0.1843% | 6,071 |
| Return on Equity (ROE) | -1.6755% | 6,137 |
| Retained earnings to average equity (ytd only) | -2.4039% | 6,032 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1949% | 666 |
| Assets per employee ($millions) | 3.7848% | 4,293 |
| Cash dividends to net income (ytd only)* | -43.4783% | 7,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.3314% | 5,591 |
| Net loans and leases to deposits | 62.8067% | 5,766 |
| Net loans and leases to core deposits | 63.9222% | 6,057 |
| Total domestic deposits to total assets | 86.5057% | 3,077 |
| Equity capital to assets | 9.5787% | 4,301 |
| Core capital (leverage) ratio | 9.0749% | 4,402 |
| Tier 1 risk-based capital ratio | 13.0836% | 4,536 |
| Total risk-based capital ratio | 14.0209% | 4,765 |
| Memoranda: | ||
| Average total assets | $49,928,600 | 6,538 |
| Average earning assets | $41,965,800 | 6,640 |
| Average equity | $5,491,000 | 6,510 |
| Average total loans | $27,617,000 | 6,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 3,878 |
| Cost of funding earning assets | 1.7344% | 1,704 |
| Net interest margin | 3.4556% | 5,470 |
| Noninterest income to average assets | 0.3069% | 5,698 |
| Noninterest expense to average assets | 3.5035% | 2,024 |
| Loan and lease loss provision to assets | 0.0498% | 6,588 |
| Net operating income to assets | -0.3622% | 6,478 |
| Return on assets (ROA) | -0.3622% | 6,527 |
| Pretax return on assets | -0.3373% | 6,440 |
| Return on Equity (ROE) | -3.1732% | 6,510 |
| Retained earnings to average equity (ytd only) | -4.1421% | 6,472 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9424% | 545 |
| Assets per employee ($millions) | 3.8041% | 4,258 |
| Cash dividends to net income (ytd only)* | -30.5336% | 7,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 55.8894% | 5,558 |
| Net loans and leases to deposits | 65.5141% | 5,716 |
| Net loans and leases to core deposits | 67.5204% | 5,991 |
| Total domestic deposits to total assets | 85.3090% | 3,460 |
| Equity capital to assets | 10.4418% | 3,582 |
| Core capital (leverage) ratio | 9.9289% | 3,319 |
| Tier 1 risk-based capital ratio | 13.6272% | 4,102 |
| Total risk-based capital ratio | 14.5948% | 4,279 |
| Memoranda: | ||
| Average total assets | $48,217,750 | 6,677 |
| Average earning assets | $40,590,000 | 6,775 |
| Average equity | $5,504,250 | 6,589 |
| Average total loans | $26,719,500 | 6,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 4,961 |
| Cost of funding earning assets | 1.7344% | 1,945 |
| Net interest margin | 3.2622% | 6,127 |
| Noninterest income to average assets | 0.3524% | 5,327 |
| Noninterest expense to average assets | 3.6271% | 1,717 |
| Loan and lease loss provision to assets | 0.0516% | 6,452 |
| Net operating income to assets | -0.5716% | 6,721 |
| Return on assets (ROA) | -0.5716% | 6,751 |
| Pretax return on assets | -0.5458% | 6,623 |
| Return on Equity (ROE) | -4.8493% | 6,688 |
| Retained earnings to average equity (ytd only) | -5.5785% | 6,619 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7750% | 467 |
| Assets per employee ($millions) | 3.3077% | 5,415 |
| Cash dividends to net income (ytd only)* | -15.0376% | 7,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,280 |
| Loan loss allowance to noncurrent loans | 188.1720% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 6,496 |
| Noncurrent loans to loans | 0.6547% | 5,943 |
| Net loans and leases to total assets | 56.5503% | 5,615 |
| Net loans and leases to deposits | 66.8828% | 5,701 |
| Net loans and leases to core deposits | 67.8533% | 6,065 |
| Total domestic deposits to total assets | 84.5514% | 3,844 |
| Equity capital to assets | 11.0186% | 2,843 |
| Core capital (leverage) ratio | 10.2885% | 2,843 |
| Tier 1 risk-based capital ratio | 14.5887% | 3,390 |
| Total risk-based capital ratio | 15.6028% | 3,482 |
| Memoranda: | ||
| Average total assets | $46,538,000 | 6,777 |
| Average earning assets | $39,667,000 | 6,858 |
| Average equity | $5,485,330 | 6,617 |
| Average total loans | $25,585,670 | 6,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 5,586 |
| Cost of funding earning assets | 1.7594% | 2,077 |
| Net interest margin | 3.1161% | 6,549 |
| Noninterest income to average assets | 0.4622% | 4,365 |
| Noninterest expense to average assets | 3.8934% | 1,178 |
| Loan and lease loss provision to assets | 0.0533% | 6,133 |
| Net operating income to assets | -0.8978% | 7,058 |
| Return on assets (ROA) | -0.8978% | 7,085 |
| Pretax return on assets | -0.8711% | 6,991 |
| Return on Equity (ROE) | -7.3528% | 7,024 |
| Retained earnings to average equity (ytd only) | -7.3528% | 6,779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.5896% | 371 |
| Assets per employee ($millions) | 3.4361% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 7,221 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.0491% | 6,672 |
| Net loans and leases to deposits | 57.0575% | 6,692 |
| Net loans and leases to core deposits | 59.0245% | 6,812 |
| Total domestic deposits to total assets | 84.2116% | 4,043 |
| Equity capital to assets | 11.3668% | 2,451 |
| Core capital (leverage) ratio | 11.2895% | 2,039 |
| Tier 1 risk-based capital ratio | 16.2225% | 2,552 |
| Total risk-based capital ratio | 17.3204% | 2,578 |
| Memoranda: | ||
| Average total assets | $44,999,000 | 6,913 |
| Average earning assets | $37,740,000 | 7,028 |
| Average equity | $5,494,500 | 6,678 |
| Average total loans | $24,174,500 | 6,932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6398% | 3,398 |
| Cost of funding earning assets | 1.5298% | 5,374 |
| Net interest margin | 4.1101% | 2,410 |
| Noninterest income to average assets | 0.2738% | 6,152 |
| Noninterest expense to average assets | 3.7351% | 1,831 |
| Loan and lease loss provision to assets | 0.0657% | 6,919 |
| Net operating income to assets | 0.1195% | 5,147 |
| Return on assets (ROA) | 0.2328% | 4,861 |
| Pretax return on assets | 0.2656% | 4,858 |
| Return on Equity (ROE) | 1.5294% | 5,075 |
| Retained earnings to average equity (ytd only) | -1.2595% | 5,334 |
| Net charge-offs to loans | 0.0452% | 6,653 |
| Credit loss provision to net charge-offs | 240.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,156 |
| Efficiency ratio | 94.8540% | 1,359 |
| Assets per employee ($millions) | 2.6183% | 7,007 |
| Cash dividends to net income (ytd only)* | 182.3529% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 4,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,187 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.6088% | 5,553 |
| Net loans and leases to deposits | 71.8491% | 5,350 |
| Net loans and leases to core deposits | 89.9443% | 5,131 |
| Total domestic deposits to total assets | 81.5721% | 5,122 |
| Equity capital to assets | 13.1788% | 1,439 |
| Core capital (leverage) ratio | 13.3907% | 1,127 |
| Tier 1 risk-based capital ratio | 17.2196% | 2,095 |
| Total risk-based capital ratio | 18.3421% | 2,089 |
| Memoranda: | ||
| Average total assets | $36,518,800 | 7,226 |
| Average earning assets | $32,554,200 | 7,243 |
| Average equity | $5,557,600 | 6,755 |
| Average total loans | $22,117,000 | 7,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6720% | 3,467 |
| Cost of funding earning assets | 1.4992% | 5,825 |
| Net interest margin | 4.1728% | 2,146 |
| Noninterest income to average assets | 0.2502% | 6,452 |
| Noninterest expense to average assets | 3.3356% | 2,782 |
| Loan and lease loss provision to assets | 0.0682% | 6,684 |
| Net operating income to assets | 0.6174% | 3,541 |
| Return on assets (ROA) | 0.7884% | 2,926 |
| Pretax return on assets | 0.8225% | 3,465 |
| Return on Equity (ROE) | 4.9819% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.2693% | 4,613 |
| Net charge-offs to loans | 0.0062% | 6,871 |
| Credit loss provision to net charge-offs | 1,800.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 188.4662% | 207 |
| Efficiency ratio | 82.3970% | 2,524 |
| Assets per employee ($millions) | 3.3568% | 5,242 |
| Cash dividends to net income (ytd only)* | 74.5177% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 4,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 7,141 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.0061% | 4,184 |
| Net loans and leases to deposits | 85.9038% | 3,336 |
| Net loans and leases to core deposits | 100.0243% | 4,367 |
| Total domestic deposits to total assets | 78.0014% | 6,091 |
| Equity capital to assets | 15.3500% | 917 |
| Core capital (leverage) ratio | 14.6348% | 929 |
| Tier 1 risk-based capital ratio | 18.9868% | 1,751 |
| Total risk-based capital ratio | 20.2068% | 1,717 |
| Memoranda: | ||
| Average total assets | $35,175,250 | 7,328 |
| Average earning assets | $32,016,250 | 7,325 |
| Average equity | $5,566,750 | 6,823 |
| Average total loans | $21,423,500 | 7,181 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 4,552 |
| Cost of funding earning assets | 1.5128% | 6,086 |
| Net interest margin | 4.0003% | 2,698 |
| Noninterest income to average assets | 0.2544% | 6,456 |
| Noninterest expense to average assets | 3.3823% | 2,682 |
| Loan and lease loss provision to assets | 0.0694% | 6,507 |
| Net operating income to assets | 0.4356% | 4,354 |
| Return on assets (ROA) | 0.6938% | 3,394 |
| Pretax return on assets | 0.7285% | 3,909 |
| Return on Equity (ROE) | 4.3376% | 4,363 |
| Retained earnings to average equity (ytd only) | -0.3615% | 5,313 |
| Net charge-offs to loans | 0.0099% | 6,427 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 422 |
| Efficiency ratio | 86.5385% | 2,175 |
| Assets per employee ($millions) | 3.8273% | 4,033 |
| Cash dividends to net income (ytd only)* | 108.3333% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,108 |
| Loan loss allowance to noncurrent loans | 169.1919% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 5,538 |
| Noncurrent loans to loans | 0.8954% | 5,424 |
| Net loans and leases to total assets | 63.2236% | 5,140 |
| Net loans and leases to deposits | 79.1668% | 4,675 |
| Net loans and leases to core deposits | 90.0699% | 5,529 |
| Total domestic deposits to total assets | 79.8612% | 5,522 |
| Equity capital to assets | 15.9090% | 846 |
| Core capital (leverage) ratio | 15.7444% | 776 |
| Tier 1 risk-based capital ratio | 21.4338% | 1,329 |
| Total risk-based capital ratio | 22.6314% | 1,306 |
| Memoranda: | ||
| Average total assets | $34,592,000 | 7,422 |
| Average earning assets | $31,597,330 | 7,413 |
| Average equity | $5,533,000 | 6,886 |
| Average total loans | $20,203,670 | 7,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 5,381 |
| Cost of funding earning assets | 1.5218% | 6,336 |
| Net interest margin | 3.8863% | 3,097 |
| Noninterest income to average assets | 0.2769% | 6,204 |
| Noninterest expense to average assets | 3.3809% | 2,414 |
| Loan and lease loss provision to assets | 0.0692% | 6,087 |
| Net operating income to assets | 0.3577% | 5,032 |
| Return on assets (ROA) | 0.3577% | 5,218 |
| Pretax return on assets | 0.3923% | 5,418 |
| Return on Equity (ROE) | 2.2304% | 5,691 |
| Retained earnings to average equity (ytd only) | -1.3670% | 5,975 |
| Net charge-offs to loans | 0.0208% | 5,273 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 848 |
| Efficiency ratio | 87.9880% | 1,898 |
| Assets per employee ($millions) | 4.2576% | 3,154 |
| Cash dividends to net income (ytd only)* | 161.2903% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 1,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.2045% | 6,559 |
| Net loans and leases to deposits | 63.9359% | 6,567 |
| Net loans and leases to core deposits | 72.1992% | 6,906 |
| Total domestic deposits to total assets | 83.2154% | 4,036 |
| Equity capital to assets | 16.4117% | 809 |
| Core capital (leverage) ratio | 15.6638% | 832 |
| Tier 1 risk-based capital ratio | 24.4947% | 1,023 |
| Total risk-based capital ratio | 25.7486% | 1,004 |
| Memoranda: | ||
| Average total assets | $34,665,000 | 7,463 |
| Average earning assets | $31,804,000 | 7,447 |
| Average equity | $5,559,500 | 6,926 |
| Average total loans | $19,249,000 | 7,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 5,438 |
| Cost of funding earning assets | 1.9299% | 6,643 |
| Net interest margin | 4.0934% | 2,740 |
| Noninterest income to average assets | 0.2845% | 6,431 |
| Noninterest expense to average assets | 2.7946% | 4,842 |
| Loan and lease loss provision to assets | 0.0356% | 6,961 |
| Net operating income to assets | 1.1469% | 1,962 |
| Return on assets (ROA) | 1.1469% | 1,883 |
| Pretax return on assets | 1.2447% | 2,497 |
| Return on Equity (ROE) | 7.3168% | 3,359 |
| Retained earnings to average equity (ytd only) | 0.6995% | 4,813 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5818% | 4,615 |
| Assets per employee ($millions) | 4.4086% | 2,774 |
| Cash dividends to net income (ytd only)* | 90.4393% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 2,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 6,902 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 55.9216% | 6,446 |
| Net loans and leases to deposits | 74.2807% | 5,814 |
| Net loans and leases to core deposits | 84.1353% | 6,282 |
| Total domestic deposits to total assets | 75.2842% | 6,385 |
| Equity capital to assets | 15.6767% | 1,006 |
| Core capital (leverage) ratio | 15.2272% | 973 |
| Tier 1 risk-based capital ratio | 23.7179% | 1,121 |
| Total risk-based capital ratio | 24.9684% | 1,093 |
| Memoranda: | ||
| Average total assets | $33,744,000 | 7,475 |
| Average earning assets | $31,245,600 | 7,450 |
| Average equity | $5,289,200 | 7,048 |
| Average total loans | $18,075,400 | 7,454 |