Home > First Peoples Bank > Performance and Condition Ratios
First Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5335% | 1,115 |
| Cost of funding earning assets | 1.1413% | 2,952 |
| Net interest margin | 4.3922% | 712 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.6661% | 1,830 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.2712% | 1,492 |
| Return on assets (ROA) | 1.2712% | 1,463 |
| Pretax return on assets | 1.6266% | 1,186 |
| Return on Equity (ROE) | 14.4400% | 1,393 |
| Retained earnings to average equity (ytd only) | 9.5249% | 1,130 |
| Net charge-offs to loans | 0.0045% | 2,563 |
| Credit loss provision to net charge-offs | 3,633.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 578.2222% | 256 |
| Efficiency ratio | 59.7743% | 3,105 |
| Assets per employee ($millions) | 6.8673% | 2,158 |
| Cash dividends to net income (ytd only)* | 34.0385% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,321 |
| Loan loss allowance to noncurrent loans | 1,142.6056% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 2,977 |
| Noncurrent loans to loans | 0.1242% | 2,895 |
| Net loans and leases to total assets | 66.9900% | 2,149 |
| Net loans and leases to deposits | 74.9082% | 2,546 |
| Net loans and leases to core deposits | 80.1739% | 2,693 |
| Total domestic deposits to total assets | 89.4300% | 939 |
| Equity capital to assets | 9.8631% | 2,087 |
| Core capital (leverage) ratio | 12.2854% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2463% | 1,218 |
| Memoranda: | ||
| Average total assets | $290,050,000 | 2,473 |
| Average earning assets | $272,485,200 | 2,449 |
| Average equity | $25,533,000 | 2,485 |
| Average total loans | $200,752,600 | 2,283 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 986 |
| Cost of funding earning assets | 1.0127% | 2,998 |
| Net interest margin | 4.5070% | 611 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.7448% | 1,556 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3258% | 1,484 |
| Return on assets (ROA) | 1.3255% | 1,464 |
| Pretax return on assets | 1.7037% | 1,156 |
| Return on Equity (ROE) | 15.6300% | 1,321 |
| Retained earnings to average equity (ytd only) | 8.5409% | 1,805 |
| Net charge-offs to loans | 0.0048% | 2,294 |
| Credit loss provision to net charge-offs | 3,642.8571% | 138 |
| Earnings coverage of net charge-offs (x) | 544.8571% | 288 |
| Efficiency ratio | 60.0461% | 2,959 |
| Assets per employee ($millions) | 6.2180% | 2,549 |
| Cash dividends to net income (ytd only)* | 45.3396% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,171 |
| Loan loss allowance to noncurrent loans | 2,204.8611% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,301 |
| Noncurrent loans to loans | 0.0670% | 3,278 |
| Net loans and leases to total assets | 74.0200% | 1,338 |
| Net loans and leases to deposits | 83.4757% | 1,782 |
| Net loans and leases to core deposits | 89.8953% | 1,934 |
| Total domestic deposits to total assets | 88.6700% | 1,352 |
| Equity capital to assets | 8.3758% | 2,810 |
| Core capital (leverage) ratio | 10.2897% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6928% | 2,012 |
| Memoranda: | ||
| Average total assets | $278,438,000 | 2,536 |
| Average earning assets | $261,069,750 | 2,515 |
| Average equity | $23,619,000 | 2,592 |
| Average total loans | $193,776,250 | 2,330 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3066% | 1,070 |
| Cost of funding earning assets | 0.8583% | 3,049 |
| Net interest margin | 4.4484% | 657 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.7408% | 1,552 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2829% | 1,614 |
| Return on assets (ROA) | 1.2823% | 1,604 |
| Pretax return on assets | 1.6433% | 1,327 |
| Return on Equity (ROE) | 15.0500% | 1,461 |
| Retained earnings to average equity (ytd only) | 4.3733% | 3,108 |
| Net charge-offs to loans | 0.0075% | 1,947 |
| Credit loss provision to net charge-offs | 2,557.1429% | 213 |
| Earnings coverage of net charge-offs (x) | 349.5714% | 402 |
| Efficiency ratio | 60.7097% | 2,867 |
| Assets per employee ($millions) | 6.6485% | 2,176 |
| Cash dividends to net income (ytd only)* | 70.9440% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,050 |
| Loan loss allowance to noncurrent loans | 1,475.7143% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,034 |
| Noncurrent loans to loans | 0.1048% | 2,966 |
| Net loans and leases to total assets | 69.0300% | 1,853 |
| Net loans and leases to deposits | 75.8156% | 2,328 |
| Net loans and leases to core deposits | 84.5664% | 2,174 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 8.2837% | 3,032 |
| Core capital (leverage) ratio | 10.1045% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3632% | 1,771 |
| Memoranda: | ||
| Average total assets | $275,908,667 | 2,551 |
| Average earning assets | $258,656,667 | 2,534 |
| Average equity | $23,506,333 | 2,597 |
| Average total loans | $186,737,667 | 2,377 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 1,126 |
| Cost of funding earning assets | 0.6510% | 3,219 |
| Net interest margin | 4.4087% | 675 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.7624% | 1,523 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2565% | 1,779 |
| Return on assets (ROA) | 1.2565% | 1,755 |
| Pretax return on assets | 1.6005% | 1,458 |
| Return on Equity (ROE) | 14.5400% | 1,654 |
| Retained earnings to average equity (ytd only) | -6.9005% | 4,394 |
| Net charge-offs to loans | 0.0133% | 1,455 |
| Credit loss provision to net charge-offs | 1,283.3333% | 316 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 514 |
| Efficiency ratio | 61.7084% | 2,728 |
| Assets per employee ($millions) | 6.1213% | 2,659 |
| Cash dividends to net income (ytd only)* | 147.4736% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 980 |
| Loan loss allowance to noncurrent loans | 897.6048% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,624 |
| Noncurrent loans to loans | 0.1800% | 2,578 |
| Net loans and leases to total assets | 69.3600% | 1,685 |
| Net loans and leases to deposits | 76.5709% | 2,070 |
| Net loans and leases to core deposits | 77.6377% | 2,412 |
| Total domestic deposits to total assets | 90.5800% | 951 |
| Equity capital to assets | 8.8140% | 2,654 |
| Core capital (leverage) ratio | 10.1955% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5969% | 1,764 |
| Memoranda: | ||
| Average total assets | $270,919,500 | 2,609 |
| Average earning assets | $253,768,500 | 2,590 |
| Average equity | $23,418,500 | 2,629 |
| Average total loans | $179,876,500 | 2,453 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 1,098 |
| Cost of funding earning assets | 0.1653% | 4,028 |
| Net interest margin | 4.1109% | 640 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.6567% | 1,661 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.0178% | 2,504 |
| Return on assets (ROA) | 1.0178% | 2,446 |
| Pretax return on assets | 1.2844% | 2,142 |
| Return on Equity (ROE) | 12.4000% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.0191% | 1,476 |
| Net charge-offs to loans | 0.5004% | 147 |
| Credit loss provision to net charge-offs | 95.2986% | 1,599 |
| Earnings coverage of net charge-offs (x) | 5.2198% | 2,383 |
| Efficiency ratio | 62.8370% | 2,651 |
| Assets per employee ($millions) | 6.6338% | 2,237 |
| Cash dividends to net income (ytd only)* | 27.2454% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,132 |
| Loan loss allowance to noncurrent loans | 599.1758% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 2,602 |
| Noncurrent loans to loans | 0.2090% | 2,446 |
| Net loans and leases to total assets | 61.7400% | 2,472 |
| Net loans and leases to deposits | 67.8648% | 2,738 |
| Net loans and leases to core deposits | 68.6845% | 2,968 |
| Total domestic deposits to total assets | 90.9700% | 971 |
| Equity capital to assets | 8.4836% | 2,715 |
| Core capital (leverage) ratio | 10.7858% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0011% | 1,629 |
| Memoranda: | ||
| Average total assets | $261,454,000 | 2,661 |
| Average earning assets | $244,351,400 | 2,647 |
| Average equity | $21,465,600 | 2,818 |
| Average total loans | $157,280,400 | 2,559 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 1,054 |
| Cost of funding earning assets | 0.1221% | 4,106 |
| Net interest margin | 3.9839% | 656 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.7354% | 1,384 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.8078% | 3,230 |
| Return on assets (ROA) | 0.8078% | 3,190 |
| Pretax return on assets | 1.0053% | 2,998 |
| Return on Equity (ROE) | 9.9300% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.3083% | 2,994 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4233% | 2,223 |
| Assets per employee ($millions) | 5.8755% | 2,872 |
| Cash dividends to net income (ytd only)* | 46.5340% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 747 |
| Loan loss allowance to noncurrent loans | 273.5376% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,275 |
| Noncurrent loans to loans | 0.6536% | 1,248 |
| Net loans and leases to total assets | 64.0500% | 2,081 |
| Net loans and leases to deposits | 70.7546% | 2,303 |
| Net loans and leases to core deposits | 72.9937% | 2,423 |
| Total domestic deposits to total assets | 90.5300% | 1,428 |
| Equity capital to assets | 8.7150% | 2,397 |
| Core capital (leverage) ratio | 10.4203% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4381% | 1,586 |
| Memoranda: | ||
| Average total assets | $257,162,250 | 2,702 |
| Average earning assets | $240,162,500 | 2,683 |
| Average equity | $20,922,750 | 2,907 |
| Average total loans | $153,050,500 | 2,604 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 1,163 |
| Cost of funding earning assets | 0.1085% | 4,098 |
| Net interest margin | 3.7652% | 811 |
| Noninterest income to average assets | 0.4005% | 2,755 |
| Noninterest expense to average assets | 2.6930% | 1,405 |
| Loan and lease loss provision to assets | 0.4678% | 113 |
| Net operating income to assets | 0.6193% | 3,570 |
| Return on assets (ROA) | 0.6193% | 3,521 |
| Pretax return on assets | 0.7554% | 3,438 |
| Return on Equity (ROE) | 7.7927% | 3,074 |
| Retained earnings to average equity (ytd only) | 0.7394% | 4,050 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7660% | 2,133 |
| Assets per employee ($millions) | 6.0009% | 2,744 |
| Cash dividends to net income (ytd only)* | 90.5119% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 822 |
| Loan loss allowance to noncurrent loans | 175.3416% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 888 |
| Noncurrent loans to loans | 1.0256% | 815 |
| Net loans and leases to total assets | 59.7396% | 2,353 |
| Net loans and leases to deposits | 65.8862% | 2,553 |
| Net loans and leases to core deposits | 67.9144% | 2,660 |
| Total domestic deposits to total assets | 90.6708% | 1,394 |
| Equity capital to assets | 8.6928% | 2,617 |
| Core capital (leverage) ratio | 10.1390% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9435% | 1,447 |
| Memoranda: | ||
| Average total assets | $258,668,000 | 2,720 |
| Average earning assets | $241,529,333 | 2,710 |
| Average equity | $20,557,667 | 3,010 |
| Average total loans | $149,143,000 | 2,652 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 1,278 |
| Cost of funding earning assets | 0.1096% | 4,018 |
| Net interest margin | 3.5864% | 917 |
| Noninterest income to average assets | 0.3104% | 3,242 |
| Noninterest expense to average assets | 2.6581% | 1,454 |
| Loan and lease loss provision to assets | 0.3444% | 168 |
| Net operating income to assets | 0.5730% | 3,483 |
| Return on assets (ROA) | 0.5730% | 3,461 |
| Pretax return on assets | 0.6935% | 3,414 |
| Return on Equity (ROE) | 7.5633% | 2,849 |
| Retained earnings to average equity (ytd only) | -7.2168% | 4,496 |
| Net charge-offs to loans | -0.0220% | 3,965 |
| Credit loss provision to net charge-offs | -2,787.5000% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9181% | 1,983 |
| Assets per employee ($millions) | 6.4608% | 2,413 |
| Cash dividends to net income (ytd only)* | 195.4178% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,239 |
| Loan loss allowance to noncurrent loans | 583.0952% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,629 |
| Noncurrent loans to loans | 0.2766% | 2,483 |
| Net loans and leases to total assets | 59.2872% | 2,152 |
| Net loans and leases to deposits | 64.3938% | 2,490 |
| Net loans and leases to core deposits | 66.5686% | 2,574 |
| Total domestic deposits to total assets | 92.0697% | 549 |
| Equity capital to assets | 7.3743% | 4,002 |
| Core capital (leverage) ratio | 7.5914% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2811% | 2,492 |
| Memoranda: | ||
| Average total assets | $258,982,000 | 2,729 |
| Average earning assets | $244,480,000 | 2,712 |
| Average equity | $19,621,000 | 3,172 |
| Average total loans | $145,227,000 | 2,686 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 1,035 |
| Cost of funding earning assets | 0.1339% | 4,124 |
| Net interest margin | 4.0410% | 657 |
| Noninterest income to average assets | 0.3565% | 3,302 |
| Noninterest expense to average assets | 2.8224% | 1,307 |
| Loan and lease loss provision to assets | 0.1471% | 814 |
| Net operating income to assets | 0.9334% | 2,927 |
| Return on assets (ROA) | 0.9334% | 2,993 |
| Pretax return on assets | 1.1804% | 2,734 |
| Return on Equity (ROE) | 10.9060% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,759 |
| Net charge-offs to loans | 0.0053% | 2,396 |
| Credit loss provision to net charge-offs | 4,900.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 442.1429% | 302 |
| Efficiency ratio | 68.0103% | 1,975 |
| Assets per employee ($millions) | 6.4877% | 2,342 |
| Cash dividends to net income (ytd only)* | 32.0313% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,256 |
| Loan loss allowance to noncurrent loans | 430.6796% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 2,591 |
| Noncurrent loans to loans | 0.3715% | 2,257 |
| Net loans and leases to total assets | 51.2797% | 3,141 |
| Net loans and leases to deposits | 55.9119% | 3,428 |
| Net loans and leases to core deposits | 57.6963% | 3,501 |
| Total domestic deposits to total assets | 91.7152% | 265 |
| Equity capital to assets | 7.7675% | 4,482 |
| Core capital (leverage) ratio | 8.7385% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8536% | 1,907 |
| Memoranda: | ||
| Average total assets | $233,131,800 | 2,832 |
| Average earning assets | $218,856,200 | 2,820 |
| Average equity | $19,952,400 | 3,224 |
| Average total loans | $133,054,600 | 2,813 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 784 |
| Cost of funding earning assets | 0.1425% | 4,174 |
| Net interest margin | 4.2767% | 475 |
| Noninterest income to average assets | 0.3604% | 3,297 |
| Noninterest expense to average assets | 2.8271% | 1,279 |
| Loan and lease loss provision to assets | 0.1387% | 820 |
| Net operating income to assets | 1.0967% | 2,566 |
| Return on assets (ROA) | 1.0967% | 2,625 |
| Pretax return on assets | 1.3966% | 2,345 |
| Return on Equity (ROE) | 12.4732% | 1,875 |
| Retained earnings to average equity (ytd only) | 7.7738% | 2,125 |
| Net charge-offs to loans | -0.0010% | 3,121 |
| Credit loss provision to net charge-offs | -23,400.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8050% | 2,274 |
| Assets per employee ($millions) | 5.3401% | 3,365 |
| Cash dividends to net income (ytd only)* | 37.6757% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,491 |
| Loan loss allowance to noncurrent loans | 499.0566% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,829 |
| Noncurrent loans to loans | 0.3084% | 2,689 |
| Net loans and leases to total assets | 61.8210% | 2,025 |
| Net loans and leases to deposits | 68.8212% | 2,354 |
| Net loans and leases to core deposits | 72.8054% | 2,340 |
| Total domestic deposits to total assets | 89.8285% | 851 |
| Equity capital to assets | 9.3864% | 3,479 |
| Core capital (leverage) ratio | 9.0967% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1707% | 1,907 |
| Memoranda: | ||
| Average total assets | $224,916,250 | 2,909 |
| Average earning assets | $210,467,500 | 2,895 |
| Average equity | $19,775,250 | 3,272 |
| Average total loans | $131,663,500 | 2,872 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 1,331 |
| Cost of funding earning assets | 0.1422% | 4,266 |
| Net interest margin | 3.9656% | 871 |
| Noninterest income to average assets | 0.3534% | 3,346 |
| Noninterest expense to average assets | 2.6425% | 1,749 |
| Loan and lease loss provision to assets | 0.0617% | 1,811 |
| Net operating income to assets | 1.0683% | 2,652 |
| Return on assets (ROA) | 1.0683% | 2,732 |
| Pretax return on assets | 1.3600% | 2,439 |
| Return on Equity (ROE) | 12.4202% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.2775% | 3,085 |
| Net charge-offs to loans | -0.0015% | 3,141 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0184% | 2,298 |
| Assets per employee ($millions) | 5.6685% | 2,942 |
| Cash dividends to net income (ytd only)* | 57.5083% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,881 |
| Loan loss allowance to noncurrent loans | 355.0909% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 2,686 |
| Noncurrent loans to loans | 0.4001% | 2,475 |
| Net loans and leases to total assets | 61.3045% | 2,264 |
| Net loans and leases to deposits | 67.8782% | 2,630 |
| Net loans and leases to core deposits | 70.7015% | 2,714 |
| Total domestic deposits to total assets | 90.3154% | 641 |
| Equity capital to assets | 8.9984% | 3,798 |
| Core capital (leverage) ratio | 8.7202% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2527% | 1,543 |
| Memoranda: | ||
| Average total assets | $226,906,667 | 2,897 |
| Average earning assets | $212,328,000 | 2,888 |
| Average equity | $19,516,667 | 3,289 |
| Average total loans | $129,728,000 | 2,906 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 1,829 |
| Cost of funding earning assets | 0.1472% | 4,324 |
| Net interest margin | 3.7527% | 1,231 |
| Noninterest income to average assets | 0.3464% | 3,364 |
| Noninterest expense to average assets | 2.5724% | 1,950 |
| Loan and lease loss provision to assets | 0.0609% | 1,903 |
| Net operating income to assets | 0.9607% | 2,929 |
| Return on assets (ROA) | 0.9607% | 3,025 |
| Pretax return on assets | 1.2183% | 2,798 |
| Return on Equity (ROE) | 11.4235% | 2,213 |
| Retained earnings to average equity (ytd only) | -3.0008% | 4,600 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7872% | 2,110 |
| Assets per employee ($millions) | 5.9136% | 2,683 |
| Cash dividends to net income (ytd only)* | 126.2681% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,838 |
| Loan loss allowance to noncurrent loans | 311.2013% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 2,814 |
| Noncurrent loans to loans | 0.4599% | 2,476 |
| Net loans and leases to total assets | 57.2486% | 2,878 |
| Net loans and leases to deposits | 62.8528% | 3,237 |
| Net loans and leases to core deposits | 66.0059% | 3,240 |
| Total domestic deposits to total assets | 91.0836% | 372 |
| Equity capital to assets | 8.3233% | 4,256 |
| Core capital (leverage) ratio | 8.1939% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7661% | 1,978 |
| Memoranda: | ||
| Average total assets | $229,824,000 | 2,868 |
| Average earning assets | $214,673,000 | 2,855 |
| Average equity | $19,328,500 | 3,295 |
| Average total loans | $125,852,000 | 2,950 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,147 |
| Cost of funding earning assets | 0.1806% | 4,642 |
| Net interest margin | 4.0167% | 937 |
| Noninterest income to average assets | 0.4289% | 2,966 |
| Noninterest expense to average assets | 2.8398% | 1,836 |
| Loan and lease loss provision to assets | 0.2783% | 1,374 |
| Net operating income to assets | 0.8430% | 2,926 |
| Return on assets (ROA) | 0.8668% | 2,973 |
| Pretax return on assets | 1.0765% | 2,786 |
| Return on Equity (ROE) | 9.4810% | 2,202 |
| Retained earnings to average equity (ytd only) | 5.6103% | 1,991 |
| Net charge-offs to loans | -0.0035% | 4,060 |
| Credit loss provision to net charge-offs | -14,000.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1780% | 2,216 |
| Assets per employee ($millions) | 5.8722% | 2,472 |
| Cash dividends to net income (ytd only)* | 40.8257% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,300 |
| Loan loss allowance to noncurrent loans | 196.4509% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 2,327 |
| Noncurrent loans to loans | 0.8136% | 1,720 |
| Net loans and leases to total assets | 50.5954% | 3,777 |
| Net loans and leases to deposits | 55.6114% | 4,025 |
| Net loans and leases to core deposits | 57.8137% | 4,062 |
| Total domestic deposits to total assets | 90.9801% | 235 |
| Equity capital to assets | 8.4976% | 4,441 |
| Core capital (leverage) ratio | 9.0237% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9196% | 1,559 |
| Memoranda: | ||
| Average total assets | $201,210,400 | 2,932 |
| Average earning assets | $187,167,600 | 2,934 |
| Average equity | $18,394,600 | 3,333 |
| Average total loans | $113,804,800 | 3,044 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 2,071 |
| Cost of funding earning assets | 0.1851% | 4,717 |
| Net interest margin | 4.1244% | 851 |
| Noninterest income to average assets | 0.4132% | 3,013 |
| Noninterest expense to average assets | 2.9534% | 1,548 |
| Loan and lease loss provision to assets | 0.3845% | 950 |
| Net operating income to assets | 0.7237% | 3,377 |
| Return on assets (ROA) | 0.7557% | 3,376 |
| Pretax return on assets | 0.9554% | 3,211 |
| Return on Equity (ROE) | 8.0978% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.8611% | 3,576 |
| Net charge-offs to loans | -0.0024% | 3,905 |
| Credit loss provision to net charge-offs | -28,000.0000% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4480% | 1,971 |
| Assets per employee ($millions) | 5.3812% | 2,811 |
| Cash dividends to net income (ytd only)* | 64.6685% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,345 |
| Loan loss allowance to noncurrent loans | 189.8990% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,262 |
| Noncurrent loans to loans | 0.7965% | 1,828 |
| Net loans and leases to total assets | 59.8626% | 3,243 |
| Net loans and leases to deposits | 66.3631% | 3,592 |
| Net loans and leases to core deposits | 70.1554% | 3,613 |
| Total domestic deposits to total assets | 90.2047% | 363 |
| Equity capital to assets | 9.1875% | 3,962 |
| Core capital (leverage) ratio | 8.8982% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0265% | 1,822 |
| Memoranda: | ||
| Average total assets | $194,258,750 | 2,970 |
| Average earning assets | $180,839,500 | 2,973 |
| Average equity | $18,128,000 | 3,357 |
| Average total loans | $112,817,500 | 3,068 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,915 |
| Cost of funding earning assets | 0.1831% | 4,801 |
| Net interest margin | 4.3162% | 725 |
| Noninterest income to average assets | 0.4223% | 2,956 |
| Noninterest expense to average assets | 2.9657% | 1,672 |
| Loan and lease loss provision to assets | 0.4768% | 782 |
| Net operating income to assets | 0.7755% | 3,133 |
| Return on assets (ROA) | 0.7954% | 3,174 |
| Pretax return on assets | 1.0071% | 3,003 |
| Return on Equity (ROE) | 8.4765% | 2,569 |
| Retained earnings to average equity (ytd only) | 0.5249% | 4,207 |
| Net charge-offs to loans | -0.0018% | 3,807 |
| Credit loss provision to net charge-offs | -45,500.0000% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0298% | 2,372 |
| Assets per employee ($millions) | 5.1940% | 2,937 |
| Cash dividends to net income (ytd only)* | 93.8076% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,372 |
| Loan loss allowance to noncurrent loans | 255.6196% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 2,930 |
| Noncurrent loans to loans | 0.5727% | 2,443 |
| Net loans and leases to total assets | 58.9457% | 3,428 |
| Net loans and leases to deposits | 65.3452% | 3,774 |
| Net loans and leases to core deposits | 67.7477% | 3,875 |
| Total domestic deposits to total assets | 90.2066% | 343 |
| Equity capital to assets | 9.0993% | 4,000 |
| Core capital (leverage) ratio | 8.9439% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8107% | 1,888 |
| Memoranda: | ||
| Average total assets | $190,850,000 | 2,978 |
| Average earning assets | $176,961,667 | 2,985 |
| Average equity | $17,908,333 | 3,372 |
| Average total loans | $108,993,333 | 3,115 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 1,919 |
| Cost of funding earning assets | 0.1807% | 4,928 |
| Net interest margin | 4.4466% | 570 |
| Noninterest income to average assets | 0.4908% | 2,595 |
| Noninterest expense to average assets | 3.1547% | 1,518 |
| Loan and lease loss provision to assets | 0.4541% | 662 |
| Net operating income to assets | 0.7742% | 3,007 |
| Return on assets (ROA) | 0.8152% | 2,944 |
| Pretax return on assets | 1.0314% | 2,733 |
| Return on Equity (ROE) | 8.5456% | 2,294 |
| Retained earnings to average equity (ytd only) | -7.5936% | 4,671 |
| Net charge-offs to loans | -0.0039% | 3,784 |
| Credit loss provision to net charge-offs | -21,000.0000% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7559% | 2,545 |
| Assets per employee ($millions) | 4.8853% | 2,772 |
| Cash dividends to net income (ytd only)* | 188.8594% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,466 |
| Loan loss allowance to noncurrent loans | 213.2497% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 2,933 |
| Noncurrent loans to loans | 0.6872% | 2,276 |
| Net loans and leases to total assets | 53.9577% | 3,992 |
| Net loans and leases to deposits | 59.7685% | 4,209 |
| Net loans and leases to core deposits | 62.7169% | 4,249 |
| Total domestic deposits to total assets | 90.2779% | 244 |
| Equity capital to assets | 9.0660% | 4,564 |
| Core capital (leverage) ratio | 9.4102% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5784% | 1,449 |
| Memoranda: | ||
| Average total assets | $184,992,000 | 3,005 |
| Average earning assets | $170,467,500 | 3,020 |
| Average equity | $17,646,500 | 3,409 |
| Average total loans | $102,901,000 | 3,185 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 1,088 |
| Cost of funding earning assets | 0.1984% | 4,970 |
| Net interest margin | 4.9604% | 290 |
| Noninterest income to average assets | 0.5541% | 2,449 |
| Noninterest expense to average assets | 3.2896% | 1,322 |
| Loan and lease loss provision to assets | 0.2106% | 951 |
| Net operating income to assets | 1.2208% | 1,979 |
| Return on assets (ROA) | 1.2258% | 2,052 |
| Pretax return on assets | 1.5502% | 1,651 |
| Return on Equity (ROE) | 11.4417% | 1,719 |
| Retained earnings to average equity (ytd only) | 7.8522% | 1,023 |
| Net charge-offs to loans | 0.0022% | 3,623 |
| Credit loss provision to net charge-offs | 16,650.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,387.0000% | 64 |
| Efficiency ratio | 65.2163% | 2,890 |
| Assets per employee ($millions) | 4.7226% | 2,926 |
| Cash dividends to net income (ytd only)* | 31.3725% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,925 |
| Loan loss allowance to noncurrent loans | 184.3357% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 2,806 |
| Noncurrent loans to loans | 0.7046% | 2,114 |
| Net loans and leases to total assets | 55.8077% | 3,933 |
| Net loans and leases to deposits | 62.5403% | 4,168 |
| Net loans and leases to core deposits | 63.5660% | 4,299 |
| Total domestic deposits to total assets | 89.2349% | 580 |
| Equity capital to assets | 10.0413% | 3,881 |
| Core capital (leverage) ratio | 11.4940% | 2,116 |
| Tier 1 risk-based capital ratio | 16.8784% | 2,091 |
| Total risk-based capital ratio | 18.1267% | 2,037 |
| Memoranda: | ||
| Average total assets | $158,104,400 | 3,218 |
| Average earning assets | $143,114,000 | 3,243 |
| Average equity | $16,938,000 | 3,443 |
| Average total loans | $91,195,800 | 3,372 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 782 |
| Cost of funding earning assets | 0.2047% | 5,031 |
| Net interest margin | 5.1423% | 214 |
| Noninterest income to average assets | 0.5568% | 2,423 |
| Noninterest expense to average assets | 3.4117% | 1,065 |
| Loan and lease loss provision to assets | 0.1711% | 1,077 |
| Net operating income to assets | 1.2434% | 2,036 |
| Return on assets (ROA) | 1.2454% | 2,109 |
| Pretax return on assets | 1.6024% | 1,631 |
| Return on Equity (ROE) | 11.4151% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.5515% | 2,086 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8302% | 2,751 |
| Assets per employee ($millions) | 3.7911% | 4,177 |
| Cash dividends to net income (ytd only)* | 42.6070% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,309 |
| Loan loss allowance to noncurrent loans | 144.1463% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,389 |
| Noncurrent loans to loans | 0.8575% | 1,873 |
| Net loans and leases to total assets | 62.2849% | 3,465 |
| Net loans and leases to deposits | 71.2319% | 3,667 |
| Net loans and leases to core deposits | 73.3512% | 3,867 |
| Total domestic deposits to total assets | 87.4395% | 1,286 |
| Equity capital to assets | 11.5562% | 2,626 |
| Core capital (leverage) ratio | 11.5605% | 2,177 |
| Tier 1 risk-based capital ratio | 17.1769% | 2,029 |
| Total risk-based capital ratio | 18.3499% | 2,009 |
| Memoranda: | ||
| Average total assets | $152,765,750 | 3,295 |
| Average earning assets | $137,419,500 | 3,352 |
| Average equity | $16,667,500 | 3,502 |
| Average total loans | $88,627,250 | 3,469 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 787 |
| Cost of funding earning assets | 0.1982% | 5,079 |
| Net interest margin | 5.1185% | 228 |
| Noninterest income to average assets | 0.5733% | 2,269 |
| Noninterest expense to average assets | 3.3224% | 1,240 |
| Loan and lease loss provision to assets | 0.2547% | 599 |
| Net operating income to assets | 1.2407% | 2,004 |
| Return on assets (ROA) | 1.2407% | 2,054 |
| Pretax return on assets | 1.5842% | 1,593 |
| Return on Equity (ROE) | 11.5981% | 1,743 |
| Retained earnings to average equity (ytd only) | 4.1753% | 3,162 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3725% | 3,074 |
| Assets per employee ($millions) | 4.3351% | 3,392 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,213 |
| Loan loss allowance to noncurrent loans | 207.3684% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 2,951 |
| Noncurrent loans to loans | 0.6063% | 2,444 |
| Net loans and leases to total assets | 62.9865% | 3,450 |
| Net loans and leases to deposits | 71.9616% | 3,689 |
| Net loans and leases to core deposits | 74.1628% | 3,882 |
| Total domestic deposits to total assets | 87.5278% | 1,327 |
| Equity capital to assets | 11.5440% | 2,575 |
| Core capital (leverage) ratio | 11.1812% | 2,431 |
| Tier 1 risk-based capital ratio | 16.7559% | 2,158 |
| Total risk-based capital ratio | 17.9326% | 2,132 |
| Memoranda: | ||
| Average total assets | $153,140,330 | 3,314 |
| Average earning assets | $137,268,000 | 3,373 |
| Average equity | $16,382,000 | 3,520 |
| Average total loans | $86,292,330 | 3,546 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 1,442 |
| Cost of funding earning assets | 0.1969% | 5,122 |
| Net interest margin | 4.7628% | 435 |
| Noninterest income to average assets | 0.5692% | 2,188 |
| Noninterest expense to average assets | 3.3099% | 1,267 |
| Loan and lease loss provision to assets | 0.2128% | 731 |
| Net operating income to assets | 1.0486% | 2,666 |
| Return on assets (ROA) | 1.0486% | 2,705 |
| Pretax return on assets | 1.3255% | 2,357 |
| Return on Equity (ROE) | 10.1833% | 2,283 |
| Retained earnings to average equity (ytd only) | -4.9547% | 4,922 |
| Net charge-offs to loans | 0.0049% | 2,532 |
| Credit loss provision to net charge-offs | 8,300.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 600.0000% | 121 |
| Efficiency ratio | 68.2708% | 2,603 |
| Assets per employee ($millions) | 4.4815% | 3,221 |
| Cash dividends to net income (ytd only)* | 148.6553% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,270 |
| Loan loss allowance to noncurrent loans | 202.0794% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 3,075 |
| Noncurrent loans to loans | 0.6236% | 2,456 |
| Net loans and leases to total assets | 53.4038% | 4,241 |
| Net loans and leases to deposits | 60.0749% | 4,405 |
| Net loans and leases to core deposits | 61.7689% | 4,497 |
| Total domestic deposits to total assets | 88.8954% | 909 |
| Equity capital to assets | 10.2605% | 3,564 |
| Core capital (leverage) ratio | 10.5369% | 3,007 |
| Tier 1 risk-based capital ratio | 16.9503% | 2,120 |
| Total risk-based capital ratio | 18.0676% | 2,116 |
| Memoranda: | ||
| Average total assets | $156,014,500 | 3,330 |
| Average earning assets | $140,169,500 | 3,365 |
| Average equity | $16,065,500 | 3,572 |
| Average total loans | $82,429,000 | 3,644 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 1,038 |
| Cost of funding earning assets | 0.1634% | 5,136 |
| Net interest margin | 4.8413% | 360 |
| Noninterest income to average assets | 0.7125% | 1,803 |
| Noninterest expense to average assets | 3.5190% | 975 |
| Loan and lease loss provision to assets | 0.1289% | 1,708 |
| Net operating income to assets | 1.1618% | 2,341 |
| Return on assets (ROA) | 1.1618% | 2,337 |
| Pretax return on assets | 1.4051% | 2,119 |
| Return on Equity (ROE) | 9.9494% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.8660% | 1,728 |
| Net charge-offs to loans | 0.1099% | 1,647 |
| Credit loss provision to net charge-offs | 213.9241% | 1,353 |
| Earnings coverage of net charge-offs (x) | 25.4557% | 1,771 |
| Efficiency ratio | 69.6407% | 2,257 |
| Assets per employee ($millions) | 4.5640% | 3,068 |
| Cash dividends to net income (ytd only)* | 30.9915% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 2,391 |
| Loan loss allowance to noncurrent loans | 179.4545% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 2,973 |
| Noncurrent loans to loans | 0.6873% | 2,269 |
| Net loans and leases to total assets | 50.9335% | 4,460 |
| Net loans and leases to deposits | 57.3194% | 4,603 |
| Net loans and leases to core deposits | 58.9535% | 4,671 |
| Total domestic deposits to total assets | 88.8590% | 918 |
| Equity capital to assets | 10.3348% | 3,343 |
| Core capital (leverage) ratio | 12.1665% | 1,630 |
| Tier 1 risk-based capital ratio | 18.0399% | 1,747 |
| Total risk-based capital ratio | 19.1235% | 1,751 |
| Memoranda: | ||
| Average total assets | $131,090,200 | 3,637 |
| Average earning assets | $117,530,400 | 3,685 |
| Average equity | $15,307,400 | 3,598 |
| Average total loans | $71,894,600 | 3,833 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 810 |
| Cost of funding earning assets | 0.1562% | 5,201 |
| Net interest margin | 4.9136% | 309 |
| Noninterest income to average assets | 0.7356% | 1,732 |
| Noninterest expense to average assets | 3.6576% | 792 |
| Loan and lease loss provision to assets | 0.1055% | 1,899 |
| Net operating income to assets | 1.0863% | 2,730 |
| Return on assets (ROA) | 1.0863% | 2,737 |
| Pretax return on assets | 1.3656% | 2,357 |
| Return on Equity (ROE) | 8.9827% | 3,100 |
| Retained earnings to average equity (ytd only) | 4.8220% | 3,336 |
| Net charge-offs to loans | 0.0172% | 2,824 |
| Credit loss provision to net charge-offs | 1,100.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 153.3292% | 539 |
| Efficiency ratio | 71.3157% | 1,993 |
| Assets per employee ($millions) | 3.5870% | 4,451 |
| Cash dividends to net income (ytd only)* | 46.3202% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 1,810 |
| Loan loss allowance to noncurrent loans | 130.7285% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 1,942 |
| Noncurrent loans to loans | 1.0491% | 1,623 |
| Net loans and leases to total assets | 54.9674% | 4,295 |
| Net loans and leases to deposits | 63.0897% | 4,386 |
| Net loans and leases to core deposits | 65.1303% | 4,451 |
| Total domestic deposits to total assets | 87.1257% | 1,675 |
| Equity capital to assets | 11.8421% | 2,009 |
| Core capital (leverage) ratio | 12.4553% | 1,526 |
| Tier 1 risk-based capital ratio | 19.0126% | 1,532 |
| Total risk-based capital ratio | 20.1907% | 1,522 |
| Memoranda: | ||
| Average total assets | $125,069,000 | 3,749 |
| Average earning assets | $111,823,500 | 3,820 |
| Average equity | $15,125,000 | 3,644 |
| Average total loans | $69,862,500 | 3,910 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 738 |
| Cost of funding earning assets | 0.1388% | 5,287 |
| Net interest margin | 4.9043% | 299 |
| Noninterest income to average assets | 0.7291% | 1,746 |
| Noninterest expense to average assets | 3.6309% | 839 |
| Loan and lease loss provision to assets | 0.1277% | 1,556 |
| Net operating income to assets | 1.0864% | 2,634 |
| Return on assets (ROA) | 1.0864% | 2,645 |
| Pretax return on assets | 1.3677% | 2,262 |
| Return on Equity (ROE) | 8.9188% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.6544% | 4,192 |
| Net charge-offs to loans | 0.0289% | 2,278 |
| Credit loss provision to net charge-offs | 790.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 736 |
| Efficiency ratio | 70.8294% | 2,187 |
| Assets per employee ($millions) | 3.6828% | 4,372 |
| Cash dividends to net income (ytd only)* | 70.2381% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 1,727 |
| Loan loss allowance to noncurrent loans | 105.2288% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 1,911 |
| Noncurrent loans to loans | 1.3365% | 1,270 |
| Net loans and leases to total assets | 54.0830% | 4,332 |
| Net loans and leases to deposits | 62.2392% | 4,407 |
| Net loans and leases to core deposits | 64.3225% | 4,474 |
| Total domestic deposits to total assets | 86.8953% | 1,884 |
| Equity capital to assets | 12.1048% | 1,781 |
| Core capital (leverage) ratio | 12.3268% | 1,525 |
| Tier 1 risk-based capital ratio | 19.6032% | 1,401 |
| Total risk-based capital ratio | 20.8185% | 1,375 |
| Memoranda: | ||
| Average total assets | $123,714,330 | 3,798 |
| Average earning assets | $110,922,330 | 3,859 |
| Average equity | $15,069,330 | 3,674 |
| Average total loans | $69,160,670 | 3,951 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 892 |
| Cost of funding earning assets | 0.1265% | 5,370 |
| Net interest margin | 4.7623% | 368 |
| Noninterest income to average assets | 0.7222% | 1,735 |
| Noninterest expense to average assets | 3.7800% | 692 |
| Loan and lease loss provision to assets | 0.2570% | 569 |
| Net operating income to assets | 0.7905% | 3,745 |
| Return on assets (ROA) | 0.7905% | 3,749 |
| Pretax return on assets | 0.9726% | 3,627 |
| Return on Equity (ROE) | 6.4690% | 3,998 |
| Retained earnings to average equity (ytd only) | -6.0963% | 5,254 |
| Net charge-offs to loans | 0.1037% | 1,163 |
| Credit loss provision to net charge-offs | 438.8889% | 651 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,444 |
| Efficiency ratio | 75.4545% | 1,675 |
| Assets per employee ($millions) | 3.8315% | 4,245 |
| Cash dividends to net income (ytd only)* | 194.2387% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,898 |
| Loan loss allowance to noncurrent loans | 133.9860% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 2,461 |
| Noncurrent loans to loans | 1.0331% | 1,775 |
| Net loans and leases to total assets | 53.9790% | 4,284 |
| Net loans and leases to deposits | 61.7785% | 4,358 |
| Net loans and leases to core deposits | 63.8122% | 4,434 |
| Total domestic deposits to total assets | 87.3750% | 1,965 |
| Equity capital to assets | 11.7154% | 1,980 |
| Core capital (leverage) ratio | 12.3300% | 1,462 |
| Tier 1 risk-based capital ratio | 19.6415% | 1,408 |
| Total risk-based capital ratio | 20.8832% | 1,377 |
| Memoranda: | ||
| Average total assets | $122,964,000 | 3,852 |
| Average earning assets | $110,703,500 | 3,910 |
| Average equity | $15,025,500 | 3,705 |
| Average total loans | $69,398,000 | 3,978 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 587 |
| Cost of funding earning assets | 0.1308% | 5,363 |
| Net interest margin | 4.9200% | 272 |
| Noninterest income to average assets | 0.7405% | 1,803 |
| Noninterest expense to average assets | 3.6869% | 810 |
| Loan and lease loss provision to assets | 0.1001% | 2,220 |
| Net operating income to assets | 0.8156% | 3,090 |
| Return on assets (ROA) | 0.8156% | 3,133 |
| Pretax return on assets | 1.2704% | 2,466 |
| Return on Equity (ROE) | 6.3386% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.2123% | 2,637 |
| Net charge-offs to loans | 0.0738% | 2,391 |
| Credit loss provision to net charge-offs | 241.6667% | 1,144 |
| Earnings coverage of net charge-offs (x) | 33.0833% | 1,446 |
| Efficiency ratio | 72.9010% | 2,080 |
| Assets per employee ($millions) | 3.6208% | 4,539 |
| Cash dividends to net income (ytd only)* | 33.5450% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,275 |
| Loan loss allowance to noncurrent loans | 116.7969% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,227 |
| Noncurrent loans to loans | 1.1037% | 1,609 |
| Net loans and leases to total assets | 57.4869% | 4,061 |
| Net loans and leases to deposits | 66.5775% | 4,141 |
| Net loans and leases to core deposits | 68.9292% | 4,239 |
| Total domestic deposits to total assets | 86.3459% | 2,297 |
| Equity capital to assets | 12.7527% | 1,378 |
| Core capital (leverage) ratio | 12.8923% | 1,182 |
| Tier 1 risk-based capital ratio | 20.4019% | 1,249 |
| Total risk-based capital ratio | 21.5917% | 1,225 |
| Memoranda: | ||
| Average total assets | $115,870,200 | 3,964 |
| Average earning assets | $101,667,600 | 4,068 |
| Average equity | $14,908,600 | 3,725 |
| Average total loans | $65,073,800 | 4,068 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 571 |
| Cost of funding earning assets | 0.1345% | 5,403 |
| Net interest margin | 4.8994% | 275 |
| Noninterest income to average assets | 0.7376% | 1,845 |
| Noninterest expense to average assets | 3.7344% | 735 |
| Loan and lease loss provision to assets | 0.0812% | 2,468 |
| Net operating income to assets | 0.8304% | 3,388 |
| Return on assets (ROA) | 0.8304% | 3,423 |
| Pretax return on assets | 1.1887% | 2,949 |
| Return on Equity (ROE) | 6.4389% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.5882% | 3,780 |
| Net charge-offs to loans | 0.1168% | 1,622 |
| Credit loss provision to net charge-offs | 125.0000% | 1,938 |
| Earnings coverage of net charge-offs (x) | 19.5548% | 1,996 |
| Efficiency ratio | 74.6234% | 1,804 |
| Assets per employee ($millions) | 3.4658% | 4,774 |
| Cash dividends to net income (ytd only)* | 44.2743% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,646 |
| Loan loss allowance to noncurrent loans | 85.4103% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,920 |
| Noncurrent loans to loans | 1.4636% | 1,275 |
| Net loans and leases to total assets | 56.5145% | 4,192 |
| Net loans and leases to deposits | 65.6542% | 4,280 |
| Net loans and leases to core deposits | 68.0124% | 4,361 |
| Total domestic deposits to total assets | 86.0791% | 2,279 |
| Equity capital to assets | 12.8542% | 1,461 |
| Core capital (leverage) ratio | 12.6974% | 1,335 |
| Tier 1 risk-based capital ratio | 20.0013% | 1,361 |
| Total risk-based capital ratio | 21.1154% | 1,356 |
| Memoranda: | ||
| Average total assets | $114,965,750 | 4,018 |
| Average earning assets | $100,119,000 | 4,134 |
| Average equity | $14,826,250 | 3,776 |
| Average total loans | $63,945,500 | 4,137 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 576 |
| Cost of funding earning assets | 0.1380% | 5,403 |
| Net interest margin | 4.8420% | 292 |
| Noninterest income to average assets | 0.7210% | 1,904 |
| Noninterest expense to average assets | 3.6067% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8929% | 2,946 |
| Return on assets (ROA) | 0.8929% | 3,004 |
| Pretax return on assets | 1.2999% | 2,385 |
| Return on Equity (ROE) | 6.9161% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.6224% | 4,130 |
| Net charge-offs to loans | 0.0828% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,501 |
| Efficiency ratio | 73.5073% | 2,095 |
| Assets per employee ($millions) | 3.4654% | 4,774 |
| Cash dividends to net income (ytd only)* | 62.0825% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,540 |
| Loan loss allowance to noncurrent loans | 69.2241% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 1,684 |
| Noncurrent loans to loans | 1.8427% | 959 |
| Net loans and leases to total assets | 52.7461% | 4,505 |
| Net loans and leases to deposits | 61.1004% | 4,558 |
| Net loans and leases to core deposits | 63.2881% | 4,650 |
| Total domestic deposits to total assets | 86.3269% | 2,228 |
| Equity capital to assets | 12.7479% | 1,495 |
| Core capital (leverage) ratio | 12.7603% | 1,270 |
| Tier 1 risk-based capital ratio | 21.2024% | 1,155 |
| Total risk-based capital ratio | 22.3429% | 1,144 |
| Memoranda: | ||
| Average total assets | $114,008,670 | 4,060 |
| Average earning assets | $98,553,670 | 4,192 |
| Average equity | $14,719,330 | 3,794 |
| Average total loans | $62,781,330 | 4,183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 404 |
| Cost of funding earning assets | 0.1409% | 5,433 |
| Net interest margin | 5.0188% | 219 |
| Noninterest income to average assets | 0.7493% | 1,751 |
| Noninterest expense to average assets | 3.7038% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9277% | 2,629 |
| Return on assets (ROA) | 0.9277% | 2,683 |
| Pretax return on assets | 1.3666% | 2,001 |
| Return on Equity (ROE) | 7.1384% | 3,347 |
| Retained earnings to average equity (ytd only) | -1.5375% | 5,129 |
| Net charge-offs to loans | -0.0064% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0471% | 2,398 |
| Assets per employee ($millions) | 3.5177% | 4,772 |
| Cash dividends to net income (ytd only)* | 121.5385% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,392 |
| Loan loss allowance to noncurrent loans | 78.0075% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0329% | 1,755 |
| Noncurrent loans to loans | 1.7046% | 1,123 |
| Net loans and leases to total assets | 53.0547% | 4,419 |
| Net loans and leases to deposits | 61.3335% | 4,471 |
| Net loans and leases to core deposits | 63.5531% | 4,564 |
| Total domestic deposits to total assets | 86.5020% | 2,440 |
| Equity capital to assets | 12.5487% | 1,497 |
| Core capital (leverage) ratio | 13.2198% | 1,064 |
| Tier 1 risk-based capital ratio | 21.7151% | 1,116 |
| Total risk-based capital ratio | 22.9430% | 1,098 |
| Memoranda: | ||
| Average total assets | $112,101,500 | 4,131 |
| Average earning assets | $96,518,000 | 4,263 |
| Average equity | $14,569,000 | 3,840 |
| Average total loans | $62,697,000 | 4,217 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0943% | 507 |
| Cost of funding earning assets | 0.1583% | 5,364 |
| Net interest margin | 4.9360% | 279 |
| Noninterest income to average assets | 0.8258% | 1,659 |
| Noninterest expense to average assets | 4.0318% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6743% | 3,894 |
| Return on assets (ROA) | 0.6763% | 4,000 |
| Pretax return on assets | 0.9783% | 3,546 |
| Return on Equity (ROE) | 4.8191% | 4,505 |
| Retained earnings to average equity (ytd only) | 2.1724% | 4,295 |
| Net charge-offs to loans | 0.2333% | 1,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.9724% | 3,092 |
| Efficiency ratio | 80.5202% | 1,358 |
| Assets per employee ($millions) | 3.3787% | 4,937 |
| Cash dividends to net income (ytd only)* | 54.9215% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,452 |
| Loan loss allowance to noncurrent loans | 69.6054% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 1,556 |
| Noncurrent loans to loans | 1.8912% | 977 |
| Net loans and leases to total assets | 57.4802% | 4,116 |
| Net loans and leases to deposits | 67.1620% | 4,158 |
| Net loans and leases to core deposits | 69.8077% | 4,259 |
| Total domestic deposits to total assets | 85.5844% | 2,790 |
| Equity capital to assets | 13.4768% | 1,058 |
| Core capital (leverage) ratio | 13.8139% | 866 |
| Tier 1 risk-based capital ratio | 21.9709% | 1,088 |
| Total risk-based capital ratio | 23.2070% | 1,062 |
| Memoranda: | ||
| Average total assets | $103,650,800 | 4,292 |
| Average earning assets | $87,804,200 | 4,443 |
| Average equity | $14,546,200 | 3,867 |
| Average total loans | $62,155,800 | 4,223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 529 |
| Cost of funding earning assets | 0.1611% | 5,404 |
| Net interest margin | 4.9044% | 299 |
| Noninterest income to average assets | 0.8283% | 1,655 |
| Noninterest expense to average assets | 4.1676% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5772% | 4,379 |
| Return on assets (ROA) | 0.5800% | 4,484 |
| Pretax return on assets | 0.8218% | 4,242 |
| Return on Equity (ROE) | 4.0898% | 4,869 |
| Retained earnings to average equity (ytd only) | 0.5594% | 5,216 |
| Net charge-offs to loans | 0.0065% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 209.6625% | 358 |
| Efficiency ratio | 83.5942% | 1,020 |
| Assets per employee ($millions) | 3.3458% | 4,987 |
| Cash dividends to net income (ytd only)* | 86.3230% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,777 |
| Loan loss allowance to noncurrent loans | 75.2130% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 1,435 |
| Noncurrent loans to loans | 1.9879% | 994 |
| Net loans and leases to total assets | 59.7502% | 3,909 |
| Net loans and leases to deposits | 70.1129% | 3,975 |
| Net loans and leases to core deposits | 73.1206% | 4,072 |
| Total domestic deposits to total assets | 85.2201% | 2,709 |
| Equity capital to assets | 13.6778% | 1,171 |
| Core capital (leverage) ratio | 13.8494% | 896 |
| Tier 1 risk-based capital ratio | 21.0255% | 1,270 |
| Total risk-based capital ratio | 22.2772% | 1,248 |
| Memoranda: | ||
| Average total assets | $102,533,750 | 4,346 |
| Average earning assets | $86,913,750 | 4,494 |
| Average equity | $14,540,000 | 3,908 |
| Average total loans | $61,950,750 | 4,263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 431 |
| Cost of funding earning assets | 0.1656% | 5,452 |
| Net interest margin | 5.0243% | 245 |
| Noninterest income to average assets | 0.8216% | 1,637 |
| Noninterest expense to average assets | 4.1416% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6177% | 4,200 |
| Return on assets (ROA) | 0.6177% | 4,324 |
| Pretax return on assets | 0.8849% | 4,011 |
| Return on Equity (ROE) | 4.3019% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.3999% | 5,181 |
| Net charge-offs to loans | 0.0098% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 416 |
| Efficiency ratio | 82.3946% | 1,225 |
| Assets per employee ($millions) | 3.1600% | 5,261 |
| Cash dividends to net income (ytd only)* | 90.7051% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,607 |
| Loan loss allowance to noncurrent loans | 65.3872% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 1,281 |
| Noncurrent loans to loans | 2.4046% | 747 |
| Net loans and leases to total assets | 60.1127% | 3,869 |
| Net loans and leases to deposits | 71.2038% | 3,865 |
| Net loans and leases to core deposits | 74.4771% | 3,944 |
| Total domestic deposits to total assets | 84.4235% | 3,115 |
| Equity capital to assets | 14.4610% | 883 |
| Core capital (leverage) ratio | 14.2209% | 766 |
| Tier 1 risk-based capital ratio | 21.5506% | 1,190 |
| Total risk-based capital ratio | 22.8034% | 1,174 |
| Memoranda: | ||
| Average total assets | $101,023,670 | 4,408 |
| Average earning assets | $84,548,330 | 4,577 |
| Average equity | $14,505,330 | 3,926 |
| Average total loans | $60,953,670 | 4,315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 459 |
| Cost of funding earning assets | 0.1692% | 5,473 |
| Net interest margin | 4.9751% | 263 |
| Noninterest income to average assets | 0.7804% | 1,691 |
| Noninterest expense to average assets | 3.9614% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6180% | 4,102 |
| Return on assets (ROA) | 0.6180% | 4,220 |
| Pretax return on assets | 0.8953% | 3,861 |
| Return on Equity (ROE) | 4.3194% | 4,772 |
| Retained earnings to average equity (ytd only) | -3.5164% | 5,515 |
| Net charge-offs to loans | 0.0330% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 45.2000% | 941 |
| Efficiency ratio | 81.5661% | 1,414 |
| Assets per employee ($millions) | 3.0082% | 5,496 |
| Cash dividends to net income (ytd only)* | 181.4103% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 1,658 |
| Loan loss allowance to noncurrent loans | 65.6292% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 1,380 |
| Noncurrent loans to loans | 2.4127% | 800 |
| Net loans and leases to total assets | 58.9447% | 3,926 |
| Net loans and leases to deposits | 69.5139% | 3,897 |
| Net loans and leases to core deposits | 71.7894% | 4,082 |
| Total domestic deposits to total assets | 84.7955% | 3,205 |
| Equity capital to assets | 14.0899% | 948 |
| Core capital (leverage) ratio | 14.1532% | 778 |
| Tier 1 risk-based capital ratio | 21.5685% | 1,222 |
| Total risk-based capital ratio | 22.8210% | 1,203 |
| Memoranda: | ||
| Average total assets | $100,975,500 | 4,449 |
| Average earning assets | $82,732,500 | 4,652 |
| Average equity | $14,446,500 | 3,939 |
| Average total loans | $60,552,000 | 4,351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 250 |
| Cost of funding earning assets | 0.1609% | 5,606 |
| Net interest margin | 5.3828% | 151 |
| Noninterest income to average assets | 1.1950% | 842 |
| Noninterest expense to average assets | 4.6547% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9049% | 2,846 |
| Return on assets (ROA) | 0.9049% | 2,928 |
| Pretax return on assets | 1.1566% | 2,819 |
| Return on Equity (ROE) | 5.7232% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.1307% | 3,062 |
| Net charge-offs to loans | 0.0183% | 3,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 630 |
| Efficiency ratio | 80.0968% | 1,663 |
| Assets per employee ($millions) | 3.3224% | 5,114 |
| Cash dividends to net income (ytd only)* | 27.8249% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,533 |
| Loan loss allowance to noncurrent loans | 63.2878% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 1,250 |
| Noncurrent loans to loans | 2.5716% | 697 |
| Net loans and leases to total assets | 59.0657% | 3,960 |
| Net loans and leases to deposits | 70.0599% | 3,919 |
| Net loans and leases to core deposits | 72.4293% | 4,091 |
| Total domestic deposits to total assets | 84.3075% | 3,362 |
| Equity capital to assets | 14.5297% | 764 |
| Core capital (leverage) ratio | 17.6097% | 309 |
| Tier 1 risk-based capital ratio | 23.1556% | 998 |
| Total risk-based capital ratio | 24.4098% | 984 |
| Memoranda: | ||
| Average total assets | $78,243,600 | 4,905 |
| Average earning assets | $67,102,200 | 5,009 |
| Average equity | $12,370,800 | 4,230 |
| Average total loans | $54,679,200 | 4,539 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6642% | 211 |
| Cost of funding earning assets | 0.1606% | 5,699 |
| Net interest margin | 5.5036% | 126 |
| Noninterest income to average assets | 0.7884% | 1,843 |
| Noninterest expense to average assets | 4.4653% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8232% | 3,315 |
| Return on assets (ROA) | 0.8232% | 3,398 |
| Pretax return on assets | 1.2128% | 2,767 |
| Return on Equity (ROE) | 5.0662% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.8483% | 4,412 |
| Net charge-offs to loans | 0.0350% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 47.3476% | 1,095 |
| Efficiency ratio | 78.6405% | 1,868 |
| Assets per employee ($millions) | 2.8159% | 5,744 |
| Cash dividends to net income (ytd only)* | 43.7774% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 1,253 |
| Loan loss allowance to noncurrent loans | 66.5524% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 985 |
| Noncurrent loans to loans | 2.7115% | 707 |
| Net loans and leases to total assets | 72.1689% | 2,036 |
| Net loans and leases to deposits | 87.5292% | 1,967 |
| Net loans and leases to core deposits | 91.3045% | 2,333 |
| Total domestic deposits to total assets | 82.4512% | 4,006 |
| Equity capital to assets | 16.4274% | 504 |
| Core capital (leverage) ratio | 16.2103% | 462 |
| Tier 1 risk-based capital ratio | 23.8979% | 954 |
| Total risk-based capital ratio | 25.1560% | 941 |
| Memoranda: | ||
| Average total assets | $72,886,500 | 5,080 |
| Average earning assets | $64,756,250 | 5,129 |
| Average equity | $11,843,000 | 4,384 |
| Average total loans | $53,387,500 | 4,620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 198 |
| Cost of funding earning assets | 0.1611% | 5,769 |
| Net interest margin | 5.5315% | 117 |
| Noninterest income to average assets | 0.7392% | 2,047 |
| Noninterest expense to average assets | 4.4684% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7997% | 3,389 |
| Return on assets (ROA) | 0.7997% | 3,480 |
| Pretax return on assets | 1.1789% | 2,866 |
| Return on Equity (ROE) | 4.9382% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.5952% | 4,903 |
| Net charge-offs to loans | 0.0526% | 2,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.6429% | 1,350 |
| Efficiency ratio | 79.1241% | 1,894 |
| Assets per employee ($millions) | 2.6090% | 5,973 |
| Cash dividends to net income (ytd only)* | 67.6976% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 1,461 |
| Loan loss allowance to noncurrent loans | 62.6452% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 942 |
| Noncurrent loans to loans | 2.8129% | 735 |
| Net loans and leases to total assets | 74.1017% | 1,647 |
| Net loans and leases to deposits | 89.5825% | 1,649 |
| Net loans and leases to core deposits | 93.4406% | 2,011 |
| Total domestic deposits to total assets | 82.7189% | 4,057 |
| Equity capital to assets | 16.2298% | 496 |
| Core capital (leverage) ratio | 15.9762% | 468 |
| Tier 1 risk-based capital ratio | 23.2081% | 1,051 |
| Total risk-based capital ratio | 24.4660% | 1,035 |
| Memoranda: | ||
| Average total assets | $72,777,670 | 5,136 |
| Average earning assets | $64,576,000 | 5,188 |
| Average equity | $11,785,670 | 4,418 |
| Average total loans | $53,247,330 | 4,667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 282 |
| Cost of funding earning assets | 0.1558% | 5,883 |
| Net interest margin | 5.2848% | 162 |
| Noninterest income to average assets | 0.6222% | 2,539 |
| Noninterest expense to average assets | 4.2896% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6883% | 3,856 |
| Return on assets (ROA) | 0.6883% | 3,980 |
| Pretax return on assets | 1.0022% | 3,494 |
| Return on Equity (ROE) | 4.2551% | 4,869 |
| Retained earnings to average equity (ytd only) | -2.4510% | 5,740 |
| Net charge-offs to loans | 0.1223% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 1,866 |
| Efficiency ratio | 81.0614% | 1,754 |
| Assets per employee ($millions) | 2.7617% | 5,924 |
| Cash dividends to net income (ytd only)* | 157.6000% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,453 |
| Loan loss allowance to noncurrent loans | 55.1822% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.4595% | 878 |
| Noncurrent loans to loans | 3.2993% | 614 |
| Net loans and leases to total assets | 70.0779% | 2,133 |
| Net loans and leases to deposits | 84.0694% | 2,063 |
| Net loans and leases to core deposits | 88.0410% | 2,329 |
| Total domestic deposits to total assets | 83.3572% | 4,063 |
| Equity capital to assets | 15.7187% | 588 |
| Core capital (leverage) ratio | 15.9154% | 476 |
| Tier 1 risk-based capital ratio | 23.8994% | 1,006 |
| Total risk-based capital ratio | 25.1578% | 992 |
| Memoranda: | ||
| Average total assets | $72,641,000 | 5,179 |
| Average earning assets | $64,183,500 | 5,245 |
| Average equity | $11,750,500 | 4,458 |
| Average total loans | $52,319,500 | 4,725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6364% | 254 |
| Cost of funding earning assets | 0.1931% | 5,809 |
| Net interest margin | 5.4433% | 148 |
| Noninterest income to average assets | 0.9199% | 1,443 |
| Noninterest expense to average assets | 4.5088% | 459 |
| Loan and lease loss provision to assets | 0.0849% | 2,777 |
| Net operating income to assets | 0.7161% | 3,811 |
| Return on assets (ROA) | 0.7161% | 3,922 |
| Pretax return on assets | 1.0741% | 3,186 |
| Return on Equity (ROE) | 4.3911% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.8551% | 4,201 |
| Net charge-offs to loans | 0.5322% | 768 |
| Credit loss provision to net charge-offs | 23.1660% | 3,934 |
| Earnings coverage of net charge-offs (x) | 3.1622% | 3,961 |
| Efficiency ratio | 79.5506% | 2,000 |
| Assets per employee ($millions) | 2.5255% | 6,143 |
| Cash dividends to net income (ytd only)* | 34.9802% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,284 |
| Loan loss allowance to noncurrent loans | 51.0098% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 3.0432% | 657 |
| Noncurrent loans to loans | 3.7557% | 524 |
| Net loans and leases to total assets | 71.3144% | 2,030 |
| Net loans and leases to deposits | 86.5706% | 1,907 |
| Net loans and leases to core deposits | 89.5912% | 2,325 |
| Total domestic deposits to total assets | 82.3771% | 4,282 |
| Equity capital to assets | 16.6584% | 457 |
| Core capital (leverage) ratio | 16.3738% | 428 |
| Tier 1 risk-based capital ratio | 24.5549% | 885 |
| Total risk-based capital ratio | 25.8146% | 867 |
| Memoranda: | ||
| Average total assets | $70,662,000 | 5,264 |
| Average earning assets | $61,635,400 | 5,352 |
| Average equity | $11,523,200 | 4,452 |
| Average total loans | $48,661,800 | 4,865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 306 |
| Cost of funding earning assets | 0.1972% | 5,858 |
| Net interest margin | 5.3327% | 172 |
| Noninterest income to average assets | 0.9134% | 1,483 |
| Noninterest expense to average assets | 4.4633% | 480 |
| Loan and lease loss provision to assets | 0.0849% | 2,658 |
| Net operating income to assets | 0.6907% | 3,989 |
| Return on assets (ROA) | 0.6907% | 4,078 |
| Pretax return on assets | 1.0097% | 3,554 |
| Return on Equity (ROE) | 4.2586% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.1991% | 4,958 |
| Net charge-offs to loans | 0.6114% | 599 |
| Credit loss provision to net charge-offs | 20.4545% | 3,575 |
| Earnings coverage of net charge-offs (x) | 2.6363% | 3,861 |
| Efficiency ratio | 80.3056% | 1,870 |
| Assets per employee ($millions) | 2.6680% | 6,103 |
| Cash dividends to net income (ytd only)* | 48.3596% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 1,143 |
| Loan loss allowance to noncurrent loans | 46.8431% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 3.2970% | 671 |
| Noncurrent loans to loans | 4.4037% | 453 |
| Net loans and leases to total assets | 66.5001% | 2,773 |
| Net loans and leases to deposits | 80.3853% | 2,634 |
| Net loans and leases to core deposits | 83.1219% | 2,983 |
| Total domestic deposits to total assets | 82.7267% | 4,228 |
| Equity capital to assets | 16.1322% | 541 |
| Core capital (leverage) ratio | 16.2290% | 449 |
| Tier 1 risk-based capital ratio | 25.4008% | 843 |
| Total risk-based capital ratio | 26.6631% | 831 |
| Memoranda: | ||
| Average total assets | $70,648,750 | 5,325 |
| Average earning assets | $61,531,000 | 5,420 |
| Average equity | $11,459,000 | 4,496 |
| Average total loans | $47,973,500 | 4,932 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5100% | 300 |
| Cost of funding earning assets | 0.2033% | 5,879 |
| Net interest margin | 5.3067% | 168 |
| Noninterest income to average assets | 0.9204% | 1,422 |
| Noninterest expense to average assets | 4.4510% | 470 |
| Loan and lease loss provision to assets | 0.0855% | 2,597 |
| Net operating income to assets | 0.6810% | 3,935 |
| Return on assets (ROA) | 0.6810% | 4,034 |
| Pretax return on assets | 0.9945% | 3,498 |
| Return on Equity (ROE) | 4.1911% | 5,064 |
| Retained earnings to average equity (ytd only) | 1.0872% | 5,323 |
| Net charge-offs to loans | 0.6504% | 595 |
| Credit loss provision to net charge-offs | 19.3548% | 3,211 |
| Earnings coverage of net charge-offs (x) | 2.4452% | 3,547 |
| Efficiency ratio | 80.4740% | 1,948 |
| Assets per employee ($millions) | 2.5979% | 6,210 |
| Cash dividends to net income (ytd only)* | 74.0586% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1993% | 1,025 |
| Loan loss allowance to noncurrent loans | 43.3129% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.8906% | 568 |
| Noncurrent loans to loans | 5.0777% | 385 |
| Net loans and leases to total assets | 67.1386% | 2,557 |
| Net loans and leases to deposits | 81.2803% | 2,350 |
| Net loans and leases to core deposits | 84.1292% | 2,725 |
| Total domestic deposits to total assets | 82.6013% | 4,445 |
| Equity capital to assets | 16.3480% | 496 |
| Core capital (leverage) ratio | 16.2147% | 448 |
| Tier 1 risk-based capital ratio | 26.3003% | 745 |
| Total risk-based capital ratio | 27.5659% | 734 |
| Memoranda: | ||
| Average total assets | $70,186,330 | 5,386 |
| Average earning assets | $60,979,670 | 5,479 |
| Average equity | $11,405,000 | 4,518 |
| Average total loans | $47,660,330 | 4,978 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4654% | 303 |
| Cost of funding earning assets | 0.2102% | 5,915 |
| Net interest margin | 5.2552% | 168 |
| Noninterest income to average assets | 0.9059% | 1,372 |
| Noninterest expense to average assets | 4.2217% | 592 |
| Loan and lease loss provision to assets | 0.0855% | 2,480 |
| Net operating income to assets | 0.7805% | 3,247 |
| Return on assets (ROA) | 0.7805% | 3,331 |
| Pretax return on assets | 1.1566% | 2,670 |
| Return on Equity (ROE) | 4.8180% | 4,627 |
| Retained earnings to average equity (ytd only) | -1.4067% | 5,780 |
| Net charge-offs to loans | 0.6833% | 535 |
| Credit loss provision to net charge-offs | 18.5185% | 2,521 |
| Earnings coverage of net charge-offs (x) | 2.6914% | 2,819 |
| Efficiency ratio | 77.2680% | 2,599 |
| Assets per employee ($millions) | 2.6062% | 6,283 |
| Cash dividends to net income (ytd only)* | 129.1971% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3520% | 962 |
| Loan loss allowance to noncurrent loans | 39.6735% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 4.5589% | 476 |
| Noncurrent loans to loans | 5.9284% | 308 |
| Net loans and leases to total assets | 65.9618% | 2,571 |
| Net loans and leases to deposits | 79.5762% | 2,357 |
| Net loans and leases to core deposits | 82.3431% | 2,707 |
| Total domestic deposits to total assets | 82.8914% | 4,643 |
| Equity capital to assets | 16.1338% | 507 |
| Core capital (leverage) ratio | 16.3555% | 436 |
| Tier 1 risk-based capital ratio | 26.5670% | 744 |
| Total risk-based capital ratio | 27.8342% | 730 |
| Memoranda: | ||
| Average total assets | $70,208,000 | 5,437 |
| Average earning assets | $60,892,000 | 5,542 |
| Average equity | $11,374,000 | 4,529 |
| Average total loans | $47,414,500 | 5,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 435 |
| Cost of funding earning assets | 0.3030% | 5,564 |
| Net interest margin | 5.0970% | 262 |
| Noninterest income to average assets | 1.0008% | 1,393 |
| Noninterest expense to average assets | 4.6121% | 477 |
| Loan and lease loss provision to assets | 0.0114% | 4,901 |
| Net operating income to assets | 0.4887% | 4,781 |
| Return on assets (ROA) | 0.6515% | 4,131 |
| Pretax return on assets | 0.9581% | 3,521 |
| Return on Equity (ROE) | 4.0711% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.0711% | 3,287 |
| Net charge-offs to loans | 0.6231% | 1,054 |
| Credit loss provision to net charge-offs | 2.7491% | 4,673 |
| Earnings coverage of net charge-offs (x) | 1.7595% | 4,458 |
| Efficiency ratio | 86.3357% | 1,384 |
| Assets per employee ($millions) | 2.5944% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 824 |
| Loan loss allowance to noncurrent loans | 36.9538% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 4.8938% | 491 |
| Noncurrent loans to loans | 6.7745% | 260 |
| Net loans and leases to total assets | 65.8277% | 2,713 |
| Net loans and leases to deposits | 79.6170% | 2,506 |
| Net loans and leases to core deposits | 84.5515% | 2,610 |
| Total domestic deposits to total assets | 82.6804% | 4,648 |
| Equity capital to assets | 16.2674% | 492 |
| Core capital (leverage) ratio | 16.3241% | 433 |
| Tier 1 risk-based capital ratio | 26.8681% | 691 |
| Total risk-based capital ratio | 28.1375% | 672 |
| Memoranda: | ||
| Average total assets | $70,141,600 | 5,477 |
| Average earning assets | $59,741,000 | 5,599 |
| Average equity | $11,225,600 | 4,593 |
| Average total loans | $46,704,600 | 5,085 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 376 |
| Cost of funding earning assets | 0.3182% | 5,569 |
| Net interest margin | 5.1788% | 223 |
| Noninterest income to average assets | 1.1097% | 1,192 |
| Noninterest expense to average assets | 4.7886% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4860% | 4,861 |
| Return on assets (ROA) | 0.7031% | 3,978 |
| Pretax return on assets | 1.0318% | 3,371 |
| Return on Equity (ROE) | 4.4112% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.4112% | 3,533 |
| Net charge-offs to loans | 0.7876% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.3636% | 4,380 |
| Efficiency ratio | 87.0466% | 1,254 |
| Assets per employee ($millions) | 2.6668% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5432% | 895 |
| Loan loss allowance to noncurrent loans | 46.1122% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 4.4290% | 685 |
| Noncurrent loans to loans | 5.5151% | 497 |
| Net loans and leases to total assets | 65.8787% | 2,666 |
| Net loans and leases to deposits | 79.9171% | 2,425 |
| Net loans and leases to core deposits | 84.9384% | 2,550 |
| Total domestic deposits to total assets | 82.4339% | 4,785 |
| Equity capital to assets | 16.2826% | 500 |
| Core capital (leverage) ratio | 16.0165% | 486 |
| Tier 1 risk-based capital ratio | 25.9267% | 792 |
| Total risk-based capital ratio | 27.1961% | 777 |
| Memoranda: | ||
| Average total assets | $70,165,000 | 5,525 |
| Average earning assets | $59,497,000 | 5,664 |
| Average equity | $11,183,250 | 4,650 |
| Average total loans | $46,557,000 | 5,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 393 |
| Cost of funding earning assets | 0.3299% | 5,567 |
| Net interest margin | 5.1404% | 230 |
| Noninterest income to average assets | 1.0988% | 1,256 |
| Noninterest expense to average assets | 4.3242% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7524% | 3,556 |
| Return on assets (ROA) | 0.7524% | 3,709 |
| Pretax return on assets | 1.1102% | 3,056 |
| Return on Equity (ROE) | 4.7544% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.7544% | 3,222 |
| Net charge-offs to loans | 0.8180% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0579% | 3,832 |
| Efficiency ratio | 79.5716% | 2,215 |
| Assets per employee ($millions) | 2.7526% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7597% | 745 |
| Loan loss allowance to noncurrent loans | 41.3670% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 4.6963% | 679 |
| Noncurrent loans to loans | 6.6713% | 382 |
| Net loans and leases to total assets | 62.8726% | 3,124 |
| Net loans and leases to deposits | 75.6820% | 2,924 |
| Net loans and leases to core deposits | 81.7752% | 2,826 |
| Total domestic deposits to total assets | 83.0746% | 4,674 |
| Equity capital to assets | 15.7070% | 576 |
| Core capital (leverage) ratio | 15.5322% | 517 |
| Tier 1 risk-based capital ratio | 25.7426% | 799 |
| Total risk-based capital ratio | 27.0156% | 778 |
| Memoranda: | ||
| Average total assets | $70,440,670 | 5,557 |
| Average earning assets | $59,411,330 | 5,712 |
| Average equity | $11,147,670 | 4,695 |
| Average total loans | $46,452,330 | 5,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 297 |
| Cost of funding earning assets | 0.3455% | 5,585 |
| Net interest margin | 5.2936% | 172 |
| Noninterest income to average assets | 1.1334% | 1,167 |
| Noninterest expense to average assets | 4.1959% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8873% | 2,711 |
| Return on assets (ROA) | 0.8873% | 2,856 |
| Pretax return on assets | 1.3223% | 2,152 |
| Return on Equity (ROE) | 5.5851% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.5851% | 2,906 |
| Net charge-offs to loans | 0.2492% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.9655% | 1,998 |
| Efficiency ratio | 76.0373% | 2,918 |
| Assets per employee ($millions) | 2.5484% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0933% | 598 |
| Loan loss allowance to noncurrent loans | 44.0159% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 5.1462% | 695 |
| Noncurrent loans to loans | 7.0276% | 418 |
| Net loans and leases to total assets | 65.4720% | 2,460 |
| Net loans and leases to deposits | 79.1086% | 2,195 |
| Net loans and leases to core deposits | 85.7785% | 2,129 |
| Total domestic deposits to total assets | 82.7622% | 4,935 |
| Equity capital to assets | 16.2350% | 523 |
| Core capital (leverage) ratio | 16.0020% | 459 |
| Tier 1 risk-based capital ratio | 25.9359% | 788 |
| Total risk-based capital ratio | 27.2145% | 776 |
| Memoranda: | ||
| Average total assets | $69,877,500 | 5,631 |
| Average earning assets | $57,881,000 | 5,802 |
| Average equity | $11,101,000 | 4,752 |
| Average total loans | $46,542,000 | 5,193 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 567 |
| Cost of funding earning assets | 0.4280% | 5,736 |
| Net interest margin | 5.1233% | 316 |
| Noninterest income to average assets | 1.1175% | 1,246 |
| Noninterest expense to average assets | 4.2651% | 709 |
| Loan and lease loss provision to assets | 0.1208% | 4,104 |
| Net operating income to assets | 0.8331% | 3,125 |
| Return on assets (ROA) | 0.8331% | 3,379 |
| Pretax return on assets | 1.2411% | 2,635 |
| Return on Equity (ROE) | 5.3731% | 4,487 |
| Retained earnings to average equity (ytd only) | 3.4659% | 3,783 |
| Net charge-offs to loans | 0.3235% | 3,032 |
| Credit loss provision to net charge-offs | 54.4872% | 4,588 |
| Earnings coverage of net charge-offs (x) | 6.1410% | 2,867 |
| Efficiency ratio | 75.7959% | 2,782 |
| Assets per employee ($millions) | 2.5338% | 6,587 |
| Cash dividends to net income (ytd only)* | 35.4949% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1483% | 580 |
| Loan loss allowance to noncurrent loans | 42.3499% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 5.4477% | 686 |
| Noncurrent loans to loans | 7.4341% | 413 |
| Net loans and leases to total assets | 63.6095% | 2,966 |
| Net loans and leases to deposits | 76.3656% | 2,739 |
| Net loans and leases to core deposits | 81.4015% | 2,836 |
| Total domestic deposits to total assets | 83.2960% | 4,603 |
| Equity capital to assets | 15.5482% | 627 |
| Core capital (leverage) ratio | 13.9918% | 805 |
| Tier 1 risk-based capital ratio | 24.6990% | 885 |
| Total risk-based capital ratio | 25.9774% | 870 |
| Memoranda: | ||
| Average total assets | $70,338,400 | 5,623 |
| Average earning assets | $61,912,800 | 5,674 |
| Average equity | $10,906,200 | 4,780 |
| Average total loans | $48,229,800 | 5,168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 642 |
| Cost of funding earning assets | 0.4392% | 5,871 |
| Net interest margin | 5.0903% | 343 |
| Noninterest income to average assets | 1.2025% | 1,046 |
| Noninterest expense to average assets | 4.1925% | 727 |
| Loan and lease loss provision to assets | 0.1615% | 3,493 |
| Net operating income to assets | 0.9422% | 2,785 |
| Return on assets (ROA) | 0.9422% | 3,010 |
| Pretax return on assets | 1.4058% | 2,215 |
| Return on Equity (ROE) | 6.0811% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.2351% | 3,201 |
| Net charge-offs to loans | 0.4139% | 2,434 |
| Credit loss provision to net charge-offs | 56.2914% | 4,252 |
| Earnings coverage of net charge-offs (x) | 5.4635% | 3,016 |
| Efficiency ratio | 72.7902% | 3,188 |
| Assets per employee ($millions) | 2.5540% | 6,649 |
| Cash dividends to net income (ytd only)* | 13.9116% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0371% | 688 |
| Loan loss allowance to noncurrent loans | 40.9914% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.3902% | 799 |
| Noncurrent loans to loans | 7.4090% | 464 |
| Net loans and leases to total assets | 68.1506% | 2,270 |
| Net loans and leases to deposits | 82.2601% | 2,083 |
| Net loans and leases to core deposits | 93.3164% | 1,649 |
| Total domestic deposits to total assets | 82.8478% | 4,709 |
| Equity capital to assets | 16.0980% | 590 |
| Core capital (leverage) ratio | 16.0998% | 468 |
| Tier 1 risk-based capital ratio | 26.3743% | 795 |
| Total risk-based capital ratio | 27.6524% | 775 |
| Memoranda: | ||
| Average total assets | $70,186,250 | 5,688 |
| Average earning assets | $62,837,250 | 5,702 |
| Average equity | $10,875,000 | 4,834 |
| Average total loans | $48,638,250 | 5,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 681 |
| Cost of funding earning assets | 0.4506% | 5,971 |
| Net interest margin | 5.0763% | 355 |
| Noninterest income to average assets | 1.1134% | 1,155 |
| Noninterest expense to average assets | 4.2184% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9746% | 2,569 |
| Return on assets (ROA) | 0.9746% | 2,808 |
| Pretax return on assets | 1.4590% | 1,981 |
| Return on Equity (ROE) | 6.3706% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.0927% | 3,228 |
| Net charge-offs to loans | 0.2834% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.4638% | 2,477 |
| Efficiency ratio | 74.3014% | 3,032 |
| Assets per employee ($millions) | 2.6148% | 6,637 |
| Cash dividends to net income (ytd only)* | 20.0581% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0315% | 755 |
| Loan loss allowance to noncurrent loans | 43.4230% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 5.2231% | 890 |
| Noncurrent loans to loans | 6.9813% | 557 |
| Net loans and leases to total assets | 69.1157% | 2,085 |
| Net loans and leases to deposits | 83.2504% | 1,949 |
| Net loans and leases to core deposits | 94.5700% | 1,544 |
| Total domestic deposits to total assets | 83.0215% | 4,748 |
| Equity capital to assets | 16.0842% | 564 |
| Core capital (leverage) ratio | 15.8204% | 482 |
| Tier 1 risk-based capital ratio | 25.7901% | 824 |
| Total risk-based capital ratio | 27.0670% | 804 |
| Memoranda: | ||
| Average total assets | $70,595,330 | 5,720 |
| Average earning assets | $63,471,330 | 5,722 |
| Average equity | $10,799,670 | 4,861 |
| Average total loans | $48,695,000 | 5,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 763 |
| Cost of funding earning assets | 0.4574% | 6,100 |
| Net interest margin | 5.0374% | 372 |
| Noninterest income to average assets | 1.0236% | 1,364 |
| Noninterest expense to average assets | 3.9555% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0626% | 2,238 |
| Return on assets (ROA) | 1.0626% | 2,430 |
| Pretax return on assets | 1.6022% | 1,568 |
| Return on Equity (ROE) | 7.1189% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.5471% | 3,854 |
| Net charge-offs to loans | 0.2950% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,011 |
| Efficiency ratio | 71.1712% | 3,590 |
| Assets per employee ($millions) | 2.5324% | 6,823 |
| Cash dividends to net income (ytd only)* | 36.1257% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0684% | 783 |
| Loan loss allowance to noncurrent loans | 41.1958% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 5.5780% | 874 |
| Noncurrent loans to loans | 7.4483% | 570 |
| Net loans and leases to total assets | 69.3942% | 1,862 |
| Net loans and leases to deposits | 83.1767% | 1,773 |
| Net loans and leases to core deposits | 94.3470% | 1,437 |
| Total domestic deposits to total assets | 83.4299% | 4,740 |
| Equity capital to assets | 15.7716% | 608 |
| Core capital (leverage) ratio | 15.4319% | 543 |
| Tier 1 risk-based capital ratio | 25.2854% | 876 |
| Total risk-based capital ratio | 26.5649% | 854 |
| Memoranda: | ||
| Average total assets | $71,900,000 | 5,714 |
| Average earning assets | $64,715,500 | 5,732 |
| Average equity | $10,732,000 | 4,880 |
| Average total loans | $48,813,500 | 5,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 669 |
| Cost of funding earning assets | 0.6288% | 5,931 |
| Net interest margin | 5.1499% | 313 |
| Noninterest income to average assets | 1.1040% | 1,091 |
| Noninterest expense to average assets | 4.2252% | 790 |
| Loan and lease loss provision to assets | 1.0128% | 932 |
| Net operating income to assets | 0.3786% | 4,954 |
| Return on assets (ROA) | 0.3786% | 5,130 |
| Pretax return on assets | 0.4946% | 5,007 |
| Return on Equity (ROE) | 2.6084% | 5,437 |
| Retained earnings to average equity (ytd only) | 2.6084% | 4,370 |
| Net charge-offs to loans | 1.4716% | 1,093 |
| Credit loss provision to net charge-offs | 97.3440% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.4489% | 4,683 |
| Efficiency ratio | 73.7045% | 3,277 |
| Assets per employee ($millions) | 2.6937% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1597% | 704 |
| Loan loss allowance to noncurrent loans | 43.2022% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 4.9056% | 1,098 |
| Noncurrent loans to loans | 7.3137% | 593 |
| Net loans and leases to total assets | 62.4973% | 3,506 |
| Net loans and leases to deposits | 73.4305% | 3,591 |
| Net loans and leases to core deposits | 82.0476% | 3,169 |
| Total domestic deposits to total assets | 85.1108% | 3,780 |
| Equity capital to assets | 14.1599% | 1,013 |
| Core capital (leverage) ratio | 14.1772% | 780 |
| Tier 1 risk-based capital ratio | 23.6475% | 1,005 |
| Total risk-based capital ratio | 24.9253% | 990 |
| Memoranda: | ||
| Average total assets | $72,375,600 | 5,683 |
| Average earning assets | $65,049,200 | 5,698 |
| Average equity | $10,504,400 | 4,904 |
| Average total loans | $51,169,600 | 5,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9176% | 542 |
| Cost of funding earning assets | 0.6691% | 5,941 |
| Net interest margin | 5.2486% | 269 |
| Noninterest income to average assets | 1.1506% | 994 |
| Noninterest expense to average assets | 4.2859% | 724 |
| Loan and lease loss provision to assets | 1.3647% | 541 |
| Net operating income to assets | 0.1787% | 5,758 |
| Return on assets (ROA) | 0.1787% | 5,880 |
| Pretax return on assets | 0.2029% | 5,890 |
| Return on Equity (ROE) | 1.2237% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.2237% | 5,526 |
| Net charge-offs to loans | 1.6218% | 865 |
| Credit loss provision to net charge-offs | 116.3492% | 2,809 |
| Earnings coverage of net charge-offs (x) | 1.3365% | 4,614 |
| Efficiency ratio | 73.2188% | 3,331 |
| Assets per employee ($millions) | 2.6411% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3260% | 647 |
| Loan loss allowance to noncurrent loans | 42.1788% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 5.9431% | 901 |
| Noncurrent loans to loans | 7.8855% | 564 |
| Net loans and leases to total assets | 70.3079% | 2,017 |
| Net loans and leases to deposits | 83.5436% | 2,082 |
| Net loans and leases to core deposits | 94.5664% | 1,739 |
| Total domestic deposits to total assets | 84.1571% | 4,152 |
| Equity capital to assets | 15.3128% | 768 |
| Core capital (leverage) ratio | 15.1957% | 628 |
| Tier 1 risk-based capital ratio | 23.7615% | 1,042 |
| Total risk-based capital ratio | 25.0425% | 1,023 |
| Memoranda: | ||
| Average total assets | $71,613,500 | 5,740 |
| Average earning assets | $64,168,250 | 5,770 |
| Average equity | $10,460,500 | 4,929 |
| Average total loans | $51,793,000 | 5,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8695% | 622 |
| Cost of funding earning assets | 0.6774% | 6,085 |
| Net interest margin | 5.1922% | 280 |
| Noninterest income to average assets | 1.1240% | 1,023 |
| Noninterest expense to average assets | 4.2372% | 799 |
| Loan and lease loss provision to assets | 1.6062% | 432 |
| Net operating income to assets | 0.0165% | 6,200 |
| Return on assets (ROA) | 0.0165% | 6,279 |
| Pretax return on assets | -0.0523% | 6,320 |
| Return on Equity (ROE) | 0.1149% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.1149% | 5,791 |
| Net charge-offs to loans | 1.0532% | 1,493 |
| Credit loss provision to net charge-offs | 211.2319% | 1,430 |
| Earnings coverage of net charge-offs (x) | 2.0435% | 3,834 |
| Efficiency ratio | 73.1684% | 3,517 |
| Assets per employee ($millions) | 2.3925% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6546% | 531 |
| Loan loss allowance to noncurrent loans | 48.8220% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 5.7334% | 1,009 |
| Noncurrent loans to loans | 7.4856% | 639 |
| Net loans and leases to total assets | 70.8617% | 2,041 |
| Net loans and leases to deposits | 83.8910% | 2,122 |
| Net loans and leases to core deposits | 97.1814% | 1,564 |
| Total domestic deposits to total assets | 84.4688% | 4,135 |
| Equity capital to assets | 15.0311% | 816 |
| Core capital (leverage) ratio | 14.6577% | 735 |
| Tier 1 risk-based capital ratio | 23.3613% | 1,080 |
| Total risk-based capital ratio | 24.6477% | 1,057 |
| Memoranda: | ||
| Average total assets | $72,595,330 | 5,763 |
| Average earning assets | $65,252,330 | 5,781 |
| Average equity | $10,442,330 | 4,938 |
| Average total loans | $52,410,670 | 5,266 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7485% | 804 |
| Cost of funding earning assets | 0.6886% | 6,202 |
| Net interest margin | 5.0598% | 336 |
| Noninterest income to average assets | 1.1213% | 1,045 |
| Noninterest expense to average assets | 4.1185% | 900 |
| Loan and lease loss provision to assets | 0.7008% | 1,205 |
| Net operating income to assets | 0.5876% | 4,097 |
| Return on assets (ROA) | 0.5876% | 4,165 |
| Pretax return on assets | 0.8571% | 3,673 |
| Return on Equity (ROE) | 4.1726% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.1726% | 3,663 |
| Net charge-offs to loans | 2.5009% | 461 |
| Credit loss provision to net charge-offs | 39.1566% | 3,970 |
| Earnings coverage of net charge-offs (x) | 0.8705% | 3,991 |
| Efficiency ratio | 72.5546% | 3,762 |
| Assets per employee ($millions) | 2.3268% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5782% | 1,344 |
| Loan loss allowance to noncurrent loans | 36.5203% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 5.4968% | 1,103 |
| Noncurrent loans to loans | 7.0597% | 774 |
| Net loans and leases to total assets | 73.4027% | 1,434 |
| Net loans and leases to deposits | 86.9280% | 1,600 |
| Net loans and leases to core deposits | 100.5929% | 1,290 |
| Total domestic deposits to total assets | 84.4407% | 4,300 |
| Equity capital to assets | 15.0407% | 758 |
| Core capital (leverage) ratio | 14.4410% | 750 |
| Tier 1 risk-based capital ratio | 22.1144% | 1,209 |
| Total risk-based capital ratio | 23.3838% | 1,181 |
| Memoranda: | ||
| Average total assets | $74,201,500 | 5,752 |
| Average earning assets | $66,800,500 | 5,774 |
| Average equity | $10,449,000 | 4,930 |
| Average total loans | $53,100,500 | 5,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0052% | 840 |
| Cost of funding earning assets | 1.1118% | 5,075 |
| Net interest margin | 4.8934% | 557 |
| Noninterest income to average assets | 1.0937% | 1,248 |
| Noninterest expense to average assets | 4.0602% | 1,075 |
| Loan and lease loss provision to assets | 0.9135% | 1,793 |
| Net operating income to assets | 0.3920% | 4,576 |
| Return on assets (ROA) | 0.3718% | 4,815 |
| Pretax return on assets | 0.4885% | 4,661 |
| Return on Equity (ROE) | 2.8335% | 5,022 |
| Retained earnings to average equity (ytd only) | 2.8335% | 3,865 |
| Net charge-offs to loans | 1.0514% | 2,100 |
| Credit loss provision to net charge-offs | 122.4490% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.9150% | 4,292 |
| Efficiency ratio | 73.9713% | 3,403 |
| Assets per employee ($millions) | 2.5355% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9063% | 947 |
| Loan loss allowance to noncurrent loans | 45.0941% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 4.5828% | 1,459 |
| Noncurrent loans to loans | 6.4451% | 939 |
| Net loans and leases to total assets | 66.2209% | 3,423 |
| Net loans and leases to deposits | 76.6972% | 3,732 |
| Net loans and leases to core deposits | 88.3324% | 3,008 |
| Total domestic deposits to total assets | 86.3408% | 3,172 |
| Equity capital to assets | 13.2304% | 1,284 |
| Core capital (leverage) ratio | 13.7184% | 924 |
| Tier 1 risk-based capital ratio | 21.0401% | 1,311 |
| Total risk-based capital ratio | 22.3141% | 1,284 |
| Memoranda: | ||
| Average total assets | $78,813,800 | 5,626 |
| Average earning assets | $70,788,800 | 5,643 |
| Average equity | $10,340,400 | 5,029 |
| Average total loans | $55,927,600 | 5,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1383% | 703 |
| Cost of funding earning assets | 1.1843% | 4,955 |
| Net interest margin | 4.9540% | 482 |
| Noninterest income to average assets | 0.9653% | 1,567 |
| Noninterest expense to average assets | 4.1385% | 889 |
| Loan and lease loss provision to assets | 0.5917% | 2,573 |
| Net operating income to assets | 0.4762% | 4,413 |
| Return on assets (ROA) | 0.4514% | 4,719 |
| Pretax return on assets | 0.6407% | 4,452 |
| Return on Equity (ROE) | 3.4476% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.4476% | 4,024 |
| Net charge-offs to loans | 1.1255% | 1,810 |
| Credit loss provision to net charge-offs | 73.3753% | 5,328 |
| Earnings coverage of net charge-offs (x) | 1.5723% | 4,543 |
| Efficiency ratio | 76.5478% | 2,846 |
| Assets per employee ($millions) | 2.2858% | 7,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3077% | 1,615 |
| Loan loss allowance to noncurrent loans | 44.8395% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 4.3189% | 1,572 |
| Noncurrent loans to loans | 5.1467% | 1,330 |
| Net loans and leases to total assets | 75.1805% | 1,554 |
| Net loans and leases to deposits | 97.7878% | 812 |
| Net loans and leases to core deposits | 116.2456% | 737 |
| Total domestic deposits to total assets | 76.8812% | 6,505 |
| Equity capital to assets | 14.2924% | 1,086 |
| Core capital (leverage) ratio | 13.9819% | 924 |
| Tier 1 risk-based capital ratio | 20.7245% | 1,409 |
| Total risk-based capital ratio | 21.9908% | 1,383 |
| Memoranda: | ||
| Average total assets | $78,867,500 | 5,694 |
| Average earning assets | $70,702,250 | 5,715 |
| Average equity | $10,325,750 | 5,103 |
| Average total loans | $56,507,750 | 5,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0074% | 932 |
| Cost of funding earning assets | 1.1816% | 5,229 |
| Net interest margin | 4.8258% | 631 |
| Noninterest income to average assets | 0.8072% | 2,082 |
| Noninterest expense to average assets | 3.9913% | 1,059 |
| Loan and lease loss provision to assets | 0.4952% | 2,821 |
| Net operating income to assets | 0.4556% | 4,525 |
| Return on assets (ROA) | 0.4556% | 4,685 |
| Pretax return on assets | 0.6487% | 4,403 |
| Return on Equity (ROE) | 3.5787% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.5787% | 3,818 |
| Net charge-offs to loans | 1.4422% | 1,324 |
| Credit loss provision to net charge-offs | 49.0196% | 5,444 |
| Earnings coverage of net charge-offs (x) | 1.1324% | 4,657 |
| Efficiency ratio | 77.7242% | 2,771 |
| Assets per employee ($millions) | 2.2080% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 1,902 |
| Loan loss allowance to noncurrent loans | 52.0068% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.5620% | 1,975 |
| Noncurrent loans to loans | 4.1020% | 1,833 |
| Net loans and leases to total assets | 74.4309% | 1,822 |
| Net loans and leases to deposits | 95.9294% | 1,055 |
| Net loans and leases to core deposits | 116.3695% | 830 |
| Total domestic deposits to total assets | 77.5892% | 6,371 |
| Equity capital to assets | 13.8322% | 1,232 |
| Core capital (leverage) ratio | 13.5128% | 1,053 |
| Tier 1 risk-based capital ratio | 19.8957% | 1,532 |
| Total risk-based capital ratio | 21.1604% | 1,494 |
| Memoranda: | ||
| Average total assets | $80,775,330 | 5,673 |
| Average earning assets | $72,443,670 | 5,691 |
| Average equity | $10,283,000 | 5,121 |
| Average total loans | $56,580,670 | 5,329 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 1,532 |
| Cost of funding earning assets | 1.1779% | 5,522 |
| Net interest margin | 4.5991% | 954 |
| Noninterest income to average assets | 0.9327% | 1,506 |
| Noninterest expense to average assets | 3.8935% | 1,177 |
| Loan and lease loss provision to assets | 0.7175% | 1,775 |
| Net operating income to assets | 0.3157% | 5,227 |
| Return on assets (ROA) | 0.3157% | 5,357 |
| Pretax return on assets | 0.4305% | 5,190 |
| Return on Equity (ROE) | 2.5800% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.5800% | 4,591 |
| Net charge-offs to loans | 2.2868% | 743 |
| Credit loss provision to net charge-offs | 46.5839% | 4,530 |
| Earnings coverage of net charge-offs (x) | 0.7453% | 4,363 |
| Efficiency ratio | 77.2296% | 3,029 |
| Assets per employee ($millions) | 2.2096% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 1,679 |
| Loan loss allowance to noncurrent loans | 40.5694% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.4659% | 1,521 |
| Noncurrent loans to loans | 5.5190% | 1,263 |
| Net loans and leases to total assets | 72.8825% | 2,233 |
| Net loans and leases to deposits | 94.7038% | 1,266 |
| Net loans and leases to core deposits | 115.2962% | 981 |
| Total domestic deposits to total assets | 76.9584% | 6,568 |
| Equity capital to assets | 13.6705% | 1,256 |
| Core capital (leverage) ratio | 12.5915% | 1,373 |
| Tier 1 risk-based capital ratio | 20.2369% | 1,477 |
| Total risk-based capital ratio | 21.5022% | 1,444 |
| Memoranda: | ||
| Average total assets | $83,627,500 | 5,643 |
| Average earning assets | $74,711,000 | 5,682 |
| Average equity | $10,232,500 | 5,167 |
| Average total loans | $56,324,000 | 5,408 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5749% | 576 |
| Cost of funding earning assets | 1.6976% | 4,526 |
| Net interest margin | 4.8773% | 586 |
| Noninterest income to average assets | 1.2156% | 1,036 |
| Noninterest expense to average assets | 4.2173% | 1,072 |
| Loan and lease loss provision to assets | 0.9752% | 2,315 |
| Net operating income to assets | 0.3359% | 4,387 |
| Return on assets (ROA) | 0.3238% | 4,523 |
| Pretax return on assets | 0.3925% | 4,516 |
| Return on Equity (ROE) | 2.6291% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.1353% | 4,254 |
| Net charge-offs to loans | 0.4426% | 4,025 |
| Credit loss provision to net charge-offs | 308.1395% | 1,071 |
| Earnings coverage of net charge-offs (x) | 4.3682% | 2,972 |
| Efficiency ratio | 75.3122% | 3,648 |
| Assets per employee ($millions) | 2.7097% | 6,836 |
| Cash dividends to net income (ytd only)* | 56.8182% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5176% | 1,202 |
| Loan loss allowance to noncurrent loans | 50.8378% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 3.3865% | 2,003 |
| Noncurrent loans to loans | 4.9522% | 1,370 |
| Net loans and leases to total assets | 59.9316% | 5,349 |
| Net loans and leases to deposits | 73.8395% | 5,067 |
| Net loans and leases to core deposits | 86.5927% | 5,462 |
| Total domestic deposits to total assets | 81.1647% | 5,284 |
| Equity capital to assets | 11.0659% | 2,657 |
| Core capital (leverage) ratio | 12.4595% | 1,474 |
| Tier 1 risk-based capital ratio | 18.7629% | 1,707 |
| Total risk-based capital ratio | 20.0305% | 1,663 |
| Memoranda: | ||
| Average total assets | $81,521,400 | 5,685 |
| Average earning assets | $73,278,800 | 5,710 |
| Average equity | $10,041,400 | 5,289 |
| Average total loans | $58,295,800 | 5,326 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8674% | 377 |
| Cost of funding earning assets | 1.8542% | 4,128 |
| Net interest margin | 5.0132% | 428 |
| Noninterest income to average assets | 1.2256% | 1,024 |
| Noninterest expense to average assets | 4.4714% | 767 |
| Loan and lease loss provision to assets | 0.8284% | 2,308 |
| Net operating income to assets | 0.3250% | 4,699 |
| Return on assets (ROA) | 0.3398% | 4,736 |
| Pretax return on assets | 0.4666% | 4,625 |
| Return on Equity (ROE) | 2.6791% | 4,924 |
| Retained earnings to average equity (ytd only) | 0.6798% | 4,907 |
| Net charge-offs to loans | 0.4224% | 3,571 |
| Credit loss provision to net charge-offs | 263.4409% | 1,616 |
| Earnings coverage of net charge-offs (x) | 4.0538% | 3,282 |
| Efficiency ratio | 77.8170% | 3,194 |
| Assets per employee ($millions) | 2.2531% | 7,558 |
| Cash dividends to net income (ytd only)* | 74.6297% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 1,676 |
| Loan loss allowance to noncurrent loans | 57.3834% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.9712% | 2,328 |
| Noncurrent loans to loans | 3.5857% | 2,083 |
| Net loans and leases to total assets | 72.0130% | 3,036 |
| Net loans and leases to deposits | 92.0598% | 2,220 |
| Net loans and leases to core deposits | 112.6031% | 2,965 |
| Total domestic deposits to total assets | 78.2241% | 6,017 |
| Equity capital to assets | 12.8890% | 1,741 |
| Core capital (leverage) ratio | 12.7472% | 1,475 |
| Tier 1 risk-based capital ratio | 19.2681% | 1,692 |
| Total risk-based capital ratio | 20.5314% | 1,655 |
| Memoranda: | ||
| Average total assets | $78,869,250 | 5,802 |
| Average earning assets | $71,117,000 | 5,816 |
| Average equity | $10,003,000 | 5,335 |
| Average total loans | $58,709,500 | 5,350 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8410% | 418 |
| Cost of funding earning assets | 1.9031% | 4,245 |
| Net interest margin | 4.9379% | 496 |
| Noninterest income to average assets | 1.2628% | 958 |
| Noninterest expense to average assets | 4.5719% | 722 |
| Loan and lease loss provision to assets | 0.3804% | 3,650 |
| Net operating income to assets | 0.5509% | 3,876 |
| Return on assets (ROA) | 0.5731% | 3,904 |
| Pretax return on assets | 0.7886% | 3,708 |
| Return on Equity (ROE) | 4.5430% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.5277% | 4,474 |
| Net charge-offs to loans | 0.4309% | 3,080 |
| Credit loss provision to net charge-offs | 118.1102% | 3,933 |
| Earnings coverage of net charge-offs (x) | 3.5354% | 3,403 |
| Efficiency ratio | 80.0622% | 3,033 |
| Assets per employee ($millions) | 2.2193% | 7,652 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,972 |
| Loan loss allowance to noncurrent loans | 46.0374% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 2.8902% | 2,214 |
| Noncurrent loans to loans | 3.3558% | 2,094 |
| Net loans and leases to total assets | 74.8259% | 2,487 |
| Net loans and leases to deposits | 97.5528% | 1,595 |
| Net loans and leases to core deposits | 124.0974% | 2,016 |
| Total domestic deposits to total assets | 76.7029% | 6,397 |
| Equity capital to assets | 12.9154% | 1,729 |
| Core capital (leverage) ratio | 12.7328% | 1,530 |
| Tier 1 risk-based capital ratio | 17.4711% | 2,162 |
| Total risk-based capital ratio | 18.7276% | 2,113 |
| Memoranda: | ||
| Average total assets | $78,873,000 | 5,840 |
| Average earning assets | $71,042,330 | 5,854 |
| Average equity | $9,949,330 | 5,371 |
| Average total loans | $58,952,330 | 5,382 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7504% | 528 |
| Cost of funding earning assets | 1.9910% | 4,180 |
| Net interest margin | 4.7594% | 667 |
| Noninterest income to average assets | 1.1828% | 1,046 |
| Noninterest expense to average assets | 4.7514% | 574 |
| Loan and lease loss provision to assets | 0.3020% | 3,530 |
| Net operating income to assets | 0.3380% | 5,127 |
| Return on assets (ROA) | 0.3876% | 5,085 |
| Pretax return on assets | 0.4731% | 5,161 |
| Return on Equity (ROE) | 3.1086% | 5,325 |
| Retained earnings to average equity (ytd only) | -2.9471% | 6,266 |
| Net charge-offs to loans | 0.2444% | 3,177 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 3,020 |
| Efficiency ratio | 86.9245% | 1,975 |
| Assets per employee ($millions) | 2.2627% | 7,633 |
| Cash dividends to net income (ytd only)* | 194.8052% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 2,728 |
| Loan loss allowance to noncurrent loans | 44.7769% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.9080% | 1,957 |
| Noncurrent loans to loans | 3.4584% | 1,845 |
| Net loans and leases to total assets | 73.2947% | 2,938 |
| Net loans and leases to deposits | 93.1014% | 2,418 |
| Net loans and leases to core deposits | 119.6237% | 2,452 |
| Total domestic deposits to total assets | 78.7257% | 5,821 |
| Equity capital to assets | 12.4921% | 1,976 |
| Core capital (leverage) ratio | 12.3982% | 1,722 |
| Tier 1 risk-based capital ratio | 17.1871% | 2,283 |
| Total risk-based capital ratio | 18.4414% | 2,219 |
| Memoranda: | ||
| Average total assets | $79,472,000 | 5,845 |
| Average earning assets | $71,521,500 | 5,862 |
| Average equity | $9,908,000 | 5,410 |
| Average total loans | $58,912,000 | 5,407 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6730% | 298 |
| Cost of funding earning assets | 2.4998% | 4,208 |
| Net interest margin | 5.1732% | 356 |
| Noninterest income to average assets | 1.3105% | 851 |
| Noninterest expense to average assets | 4.3017% | 1,044 |
| Loan and lease loss provision to assets | 0.0373% | 6,942 |
| Net operating income to assets | 1.3085% | 1,463 |
| Return on assets (ROA) | 0.5652% | 4,314 |
| Pretax return on assets | 0.7056% | 4,383 |
| Return on Equity (ROE) | 4.6506% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.1959% | 4,512 |
| Net charge-offs to loans | 0.1438% | 4,777 |
| Credit loss provision to net charge-offs | 35.7143% | 6,484 |
| Earnings coverage of net charge-offs (x) | 16.0238% | 1,882 |
| Efficiency ratio | 72.0108% | 3,932 |
| Assets per employee ($millions) | 2.2153% | 7,682 |
| Cash dividends to net income (ytd only)* | 74.2857% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,623 |
| Loan loss allowance to noncurrent loans | 44.5168% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.8652% | 1,635 |
| Noncurrent loans to loans | 3.3925% | 1,515 |
| Net loans and leases to total assets | 72.6984% | 3,435 |
| Net loans and leases to deposits | 92.1850% | 3,098 |
| Net loans and leases to core deposits | 117.5194% | 2,948 |
| Total domestic deposits to total assets | 78.8614% | 5,426 |
| Equity capital to assets | 12.4426% | 2,040 |
| Core capital (leverage) ratio | 12.2528% | 1,860 |
| Tier 1 risk-based capital ratio | 16.6095% | 2,444 |
| Total risk-based capital ratio | 17.8625% | 2,380 |
| Memoranda: | ||
| Average total assets | $80,503,400 | 5,684 |
| Average earning assets | $72,566,200 | 5,720 |
| Average equity | $9,783,600 | 5,483 |
| Average total loans | $58,407,800 | 5,345 |