Home > People's Bank of Seneca > Performance and Condition Ratios
People's Bank of Seneca, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3066% | 809 |
| Cost of funding earning assets | 2.8448% | 452 |
| Net interest margin | 3.4618% | 2,409 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 1.6991% | 4,035 |
| Loan and lease loss provision to assets | 0.1900% | 635 |
| Net operating income to assets | 1.1657% | 1,816 |
| Return on assets (ROA) | 1.1657% | 1,813 |
| Pretax return on assets | 1.6144% | 1,277 |
| Return on Equity (ROE) | 13.3200% | 1,413 |
| Retained earnings to average equity (ytd only) | 8.0513% | 1,675 |
| Net charge-offs to loans | 0.0060% | 2,032 |
| Credit loss provision to net charge-offs | 3,750.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 358.3333% | 266 |
| Efficiency ratio | 48.5153% | 3,982 |
| Assets per employee ($millions) | 10.2013% | 743 |
| Cash dividends to net income (ytd only)* | 39.5683% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 1,818 |
| Loan loss allowance to noncurrent loans | 487.7493% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,422 |
| Noncurrent loans to loans | 0.2611% | 2,557 |
| Net loans and leases to total assets | 83.0500% | 304 |
| Net loans and leases to deposits | 94.2520% | 749 |
| Net loans and leases to core deposits | 104.7400% | 1,089 |
| Total domestic deposits to total assets | 88.1200% | 1,521 |
| Equity capital to assets | 8.8284% | 3,054 |
| Core capital (leverage) ratio | 9.3627% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $476,970,500 | 1,837 |
| Average earning assets | $447,972,500 | 1,821 |
| Average equity | $41,732,500 | 1,973 |
| Average total loans | $402,258,000 | 1,557 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 934 |
| Cost of funding earning assets | 3.0410% | 459 |
| Net interest margin | 3.2400% | 2,641 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.8738% | 3,824 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.0746% | 1,827 |
| Return on assets (ROA) | 1.0746% | 1,834 |
| Pretax return on assets | 1.3165% | 1,712 |
| Return on Equity (ROE) | 12.7300% | 1,424 |
| Retained earnings to average equity (ytd only) | 10.7933% | 464 |
| Net charge-offs to loans | 0.1085% | 1,116 |
| Credit loss provision to net charge-offs | 218.9781% | 1,080 |
| Earnings coverage of net charge-offs (x) | 15.9416% | 2,002 |
| Efficiency ratio | 56.7239% | 3,486 |
| Assets per employee ($millions) | 10.0953% | 759 |
| Cash dividends to net income (ytd only)* | 15.2284% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,040 |
| Loan loss allowance to noncurrent loans | 192.5578% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 1,333 |
| Noncurrent loans to loans | 0.6364% | 1,528 |
| Net loans and leases to total assets | 83.5100% | 312 |
| Net loans and leases to deposits | 95.0589% | 778 |
| Net loans and leases to core deposits | 107.4448% | 1,055 |
| Total domestic deposits to total assets | 87.8500% | 1,572 |
| Equity capital to assets | 8.6697% | 3,060 |
| Core capital (leverage) ratio | 9.2801% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $458,325,200 | 1,873 |
| Average earning assets | $429,852,000 | 1,854 |
| Average equity | $38,681,400 | 2,028 |
| Average total loans | $378,695,000 | 1,599 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2313% | 968 |
| Cost of funding earning assets | 3.0254% | 488 |
| Net interest margin | 3.2058% | 2,679 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.8155% | 3,908 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 1.0328% | 1,951 |
| Return on assets (ROA) | 1.0328% | 1,956 |
| Pretax return on assets | 1.3598% | 1,620 |
| Return on Equity (ROE) | 12.3300% | 1,529 |
| Retained earnings to average equity (ytd only) | 9.6983% | 913 |
| Net charge-offs to loans | 0.1451% | 757 |
| Credit loss provision to net charge-offs | 189.1626% | 1,125 |
| Earnings coverage of net charge-offs (x) | 12.3842% | 2,032 |
| Efficiency ratio | 55.1632% | 3,618 |
| Assets per employee ($millions) | 9.6818% | 850 |
| Cash dividends to net income (ytd only)* | 21.3129% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,150 |
| Loan loss allowance to noncurrent loans | 197.4031% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 1,358 |
| Noncurrent loans to loans | 0.6143% | 1,556 |
| Net loans and leases to total assets | 82.2400% | 387 |
| Net loans and leases to deposits | 93.8329% | 871 |
| Net loans and leases to core deposits | 104.1905% | 1,226 |
| Total domestic deposits to total assets | 87.6500% | 1,358 |
| Equity capital to assets | 8.4712% | 3,419 |
| Core capital (leverage) ratio | 9.0759% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4074% | 2,705 |
| Memoranda: | ||
| Average total assets | $454,286,750 | 1,881 |
| Average earning assets | $425,712,000 | 1,865 |
| Average equity | $38,067,750 | 2,054 |
| Average total loans | $373,076,750 | 1,611 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1828% | 935 |
| Cost of funding earning assets | 2.8835% | 562 |
| Net interest margin | 3.2993% | 2,415 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 1.8124% | 3,920 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 1.0715% | 1,786 |
| Return on assets (ROA) | 1.0715% | 1,793 |
| Pretax return on assets | 1.4469% | 1,380 |
| Return on Equity (ROE) | 12.8400% | 1,406 |
| Retained earnings to average equity (ytd only) | 8.8220% | 1,136 |
| Net charge-offs to loans | 0.0645% | 1,123 |
| Credit loss provision to net charge-offs | 544.9153% | 595 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,397 |
| Efficiency ratio | 53.8145% | 3,765 |
| Assets per employee ($millions) | 10.3217% | 665 |
| Cash dividends to net income (ytd only)* | 31.2761% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 1,864 |
| Loan loss allowance to noncurrent loans | 339.2466% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,871 |
| Noncurrent loans to loans | 0.3753% | 2,066 |
| Net loans and leases to total assets | 82.6900% | 414 |
| Net loans and leases to deposits | 94.1660% | 935 |
| Net loans and leases to core deposits | 106.2305% | 1,145 |
| Total domestic deposits to total assets | 87.8200% | 1,380 |
| Equity capital to assets | 8.2355% | 3,277 |
| Core capital (leverage) ratio | 8.7955% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $447,579,667 | 1,894 |
| Average earning assets | $418,999,667 | 1,883 |
| Average equity | $37,361,000 | 2,045 |
| Average total loans | $365,785,667 | 1,626 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1772% | 862 |
| Cost of funding earning assets | 2.4231% | 1,134 |
| Net interest margin | 3.7540% | 1,434 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 1.9611% | 3,665 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 1.4310% | 1,002 |
| Return on assets (ROA) | 1.4310% | 1,011 |
| Pretax return on assets | 1.8555% | 763 |
| Return on Equity (ROE) | 17.0200% | 723 |
| Retained earnings to average equity (ytd only) | 8.8960% | 1,345 |
| Net charge-offs to loans | 0.1660% | 517 |
| Credit loss provision to net charge-offs | 46.2585% | 1,407 |
| Earnings coverage of net charge-offs (x) | 13.6395% | 1,516 |
| Efficiency ratio | 51.7797% | 3,921 |
| Assets per employee ($millions) | 9.3838% | 895 |
| Cash dividends to net income (ytd only)* | 47.7403% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,233 |
| Loan loss allowance to noncurrent loans | 310.4211% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 1,824 |
| Noncurrent loans to loans | 0.3897% | 1,958 |
| Net loans and leases to total assets | 78.8500% | 742 |
| Net loans and leases to deposits | 92.2560% | 1,015 |
| Net loans and leases to core deposits | 106.7088% | 1,074 |
| Total domestic deposits to total assets | 85.4700% | 2,262 |
| Equity capital to assets | 8.2787% | 3,179 |
| Core capital (leverage) ratio | 9.3545% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $439,131,000 | 1,932 |
| Average earning assets | $410,544,000 | 1,908 |
| Average equity | $36,915,500 | 2,061 |
| Average total loans | $354,157,500 | 1,652 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 1,021 |
| Cost of funding earning assets | 1.5544% | 1,800 |
| Net interest margin | 4.0562% | 1,122 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.9034% | 3,828 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.7002% | 734 |
| Return on assets (ROA) | 1.6506% | 764 |
| Pretax return on assets | 2.1206% | 552 |
| Return on Equity (ROE) | 20.6100% | 563 |
| Retained earnings to average equity (ytd only) | 18.3128% | 180 |
| Net charge-offs to loans | 0.0069% | 2,417 |
| Credit loss provision to net charge-offs | 269.5652% | 1,017 |
| Earnings coverage of net charge-offs (x) | 399.6087% | 354 |
| Efficiency ratio | 45.7918% | 4,198 |
| Assets per employee ($millions) | 8.7315% | 1,097 |
| Cash dividends to net income (ytd only)* | 11.1392% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 1,927 |
| Loan loss allowance to noncurrent loans | 307.8581% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 1,608 |
| Noncurrent loans to loans | 0.4122% | 1,750 |
| Net loans and leases to total assets | 80.5000% | 582 |
| Net loans and leases to deposits | 95.0354% | 863 |
| Net loans and leases to core deposits | 114.4199% | 800 |
| Total domestic deposits to total assets | 84.7000% | 2,408 |
| Equity capital to assets | 8.5410% | 3,020 |
| Core capital (leverage) ratio | 9.6028% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $407,901,200 | 1,989 |
| Average earning assets | $379,493,400 | 1,979 |
| Average equity | $32,671,200 | 2,158 |
| Average total loans | $331,113,200 | 1,681 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 1,030 |
| Cost of funding earning assets | 1.3745% | 1,937 |
| Net interest margin | 4.1091% | 1,052 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.8402% | 3,900 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7897% | 685 |
| Return on assets (ROA) | 1.7227% | 754 |
| Pretax return on assets | 2.2446% | 528 |
| Return on Equity (ROE) | 21.8900% | 569 |
| Retained earnings to average equity (ytd only) | 18.7398% | 308 |
| Net charge-offs to loans | 0.0016% | 2,533 |
| Credit loss provision to net charge-offs | 50.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 1,804.7500% | 77 |
| Efficiency ratio | 43.5133% | 4,255 |
| Assets per employee ($millions) | 8.8817% | 968 |
| Cash dividends to net income (ytd only)* | 14.4065% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 1,878 |
| Loan loss allowance to noncurrent loans | 267.2761% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 1,435 |
| Noncurrent loans to loans | 0.4856% | 1,609 |
| Net loans and leases to total assets | 81.6400% | 464 |
| Net loans and leases to deposits | 96.6968% | 703 |
| Net loans and leases to core deposits | 112.2429% | 784 |
| Total domestic deposits to total assets | 84.4300% | 2,657 |
| Equity capital to assets | 8.3087% | 2,848 |
| Core capital (leverage) ratio | 9.2544% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5645% | 2,881 |
| Memoranda: | ||
| Average total assets | $402,916,000 | 2,006 |
| Average earning assets | $374,442,000 | 1,992 |
| Average equity | $31,703,500 | 2,180 |
| Average total loans | $326,685,750 | 1,698 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2921% | 1,091 |
| Cost of funding earning assets | 1.2671% | 1,801 |
| Net interest margin | 4.0250% | 1,201 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.8407% | 3,928 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.7001% | 778 |
| Return on assets (ROA) | 1.7001% | 781 |
| Pretax return on assets | 2.1953% | 537 |
| Return on Equity (ROE) | 22.0200% | 538 |
| Retained earnings to average equity (ytd only) | 17.1792% | 386 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.4389% | 4,190 |
| Assets per employee ($millions) | 9.3733% | 811 |
| Cash dividends to net income (ytd only)* | 22.0006% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 1,987 |
| Loan loss allowance to noncurrent loans | 361.1346% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,776 |
| Noncurrent loans to loans | 0.3560% | 1,859 |
| Net loans and leases to total assets | 79.4000% | 690 |
| Net loans and leases to deposits | 92.5436% | 982 |
| Net loans and leases to core deposits | 102.5130% | 1,113 |
| Total domestic deposits to total assets | 85.7900% | 2,301 |
| Equity capital to assets | 7.8773% | 3,292 |
| Core capital (leverage) ratio | 8.9513% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5313% | 2,757 |
| Memoranda: | ||
| Average total assets | $401,035,333 | 2,010 |
| Average earning assets | $372,518,333 | 2,003 |
| Average equity | $30,956,000 | 2,223 |
| Average total loans | $322,938,667 | 1,693 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 1,082 |
| Cost of funding earning assets | 1.2621% | 1,319 |
| Net interest margin | 3.8441% | 1,593 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.9093% | 3,834 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.3832% | 1,453 |
| Return on assets (ROA) | 1.3832% | 1,424 |
| Pretax return on assets | 1.7292% | 1,217 |
| Return on Equity (ROE) | 18.1200% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.1804% | 2,171 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.7102% | 3,961 |
| Assets per employee ($millions) | 9.4560% | 809 |
| Cash dividends to net income (ytd only)* | 54.8647% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,841 |
| Loan loss allowance to noncurrent loans | 338.0586% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 1,569 |
| Noncurrent loans to loans | 0.3976% | 1,740 |
| Net loans and leases to total assets | 79.2100% | 616 |
| Net loans and leases to deposits | 91.7267% | 934 |
| Net loans and leases to core deposits | 100.7344% | 1,060 |
| Total domestic deposits to total assets | 86.3600% | 2,489 |
| Equity capital to assets | 7.5683% | 3,525 |
| Core capital (leverage) ratio | 8.7290% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $395,321,000 | 2,057 |
| Average earning assets | $366,688,000 | 2,048 |
| Average equity | $30,169,500 | 2,287 |
| Average total loans | $318,552,500 | 1,729 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 954 |
| Cost of funding earning assets | 0.5688% | 1,025 |
| Net interest margin | 3.7885% | 1,183 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.8535% | 3,925 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.5540% | 773 |
| Return on assets (ROA) | 1.5540% | 738 |
| Pretax return on assets | 1.9507% | 528 |
| Return on Equity (ROE) | 20.4300% | 438 |
| Retained earnings to average equity (ytd only) | 18.6372% | 119 |
| Net charge-offs to loans | 0.0602% | 1,048 |
| Credit loss provision to net charge-offs | 353.6585% | 834 |
| Earnings coverage of net charge-offs (x) | 47.1037% | 1,398 |
| Efficiency ratio | 46.7755% | 4,307 |
| Assets per employee ($millions) | 8.7281% | 1,004 |
| Cash dividends to net income (ytd only)* | 8.7843% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 1,000 |
| Loan loss allowance to noncurrent loans | 342.0250% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 1,364 |
| Noncurrent loans to loans | 0.4642% | 1,544 |
| Net loans and leases to total assets | 79.6000% | 637 |
| Net loans and leases to deposits | 93.5919% | 810 |
| Net loans and leases to core deposits | 98.6059% | 1,076 |
| Total domestic deposits to total assets | 85.0500% | 2,983 |
| Equity capital to assets | 7.6988% | 3,258 |
| Core capital (leverage) ratio | 9.0908% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $366,272,400 | 2,157 |
| Average earning assets | $340,528,400 | 2,151 |
| Average equity | $27,858,200 | 2,434 |
| Average total loans | $272,460,600 | 1,848 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 863 |
| Cost of funding earning assets | 0.4885% | 795 |
| Net interest margin | 3.7270% | 1,078 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.8310% | 3,922 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.5322% | 774 |
| Return on assets (ROA) | 1.5322% | 757 |
| Pretax return on assets | 1.9681% | 497 |
| Return on Equity (ROE) | 20.2100% | 419 |
| Retained earnings to average equity (ytd only) | 17.7798% | 171 |
| Net charge-offs to loans | 0.0350% | 1,159 |
| Credit loss provision to net charge-offs | 586.9565% | 561 |
| Earnings coverage of net charge-offs (x) | 83.2754% | 1,023 |
| Efficiency ratio | 46.3742% | 4,360 |
| Assets per employee ($millions) | 8.2845% | 1,179 |
| Cash dividends to net income (ytd only)* | 12.0250% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 837 |
| Loan loss allowance to noncurrent loans | 402.4046% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,616 |
| Noncurrent loans to loans | 0.4279% | 1,741 |
| Net loans and leases to total assets | 75.9800% | 915 |
| Net loans and leases to deposits | 84.1926% | 1,284 |
| Net loans and leases to core deposits | 84.8649% | 1,595 |
| Total domestic deposits to total assets | 90.2400% | 1,552 |
| Equity capital to assets | 7.5573% | 3,184 |
| Core capital (leverage) ratio | 8.6467% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4270% | 2,678 |
| Memoranda: | ||
| Average total assets | $361,831,500 | 2,184 |
| Average earning assets | $336,808,750 | 2,178 |
| Average equity | $27,431,250 | 2,493 |
| Average total loans | $262,916,500 | 1,885 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 840 |
| Cost of funding earning assets | 0.4882% | 551 |
| Net interest margin | 3.5721% | 1,123 |
| Noninterest income to average assets | 0.3546% | 3,031 |
| Noninterest expense to average assets | 1.7710% | 4,017 |
| Loan and lease loss provision to assets | 0.1136% | 884 |
| Net operating income to assets | 1.3526% | 1,015 |
| Return on assets (ROA) | 1.3526% | 999 |
| Pretax return on assets | 1.7987% | 601 |
| Return on Equity (ROE) | 17.8225% | 494 |
| Retained earnings to average equity (ytd only) | 14.1718% | 342 |
| Net charge-offs to loans | 0.0351% | 1,036 |
| Credit loss provision to net charge-offs | 455.5556% | 658 |
| Earnings coverage of net charge-offs (x) | 76.6889% | 954 |
| Efficiency ratio | 48.0818% | 4,341 |
| Assets per employee ($millions) | 9.4769% | 758 |
| Cash dividends to net income (ytd only)* | 20.4834% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 875 |
| Loan loss allowance to noncurrent loans | 377.4818% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 1,635 |
| Noncurrent loans to loans | 0.4636% | 1,722 |
| Net loans and leases to total assets | 69.2690% | 1,373 |
| Net loans and leases to deposits | 76.4600% | 1,650 |
| Net loans and leases to core deposits | 77.7051% | 1,877 |
| Total domestic deposits to total assets | 90.5950% | 1,418 |
| Equity capital to assets | 7.1622% | 3,684 |
| Core capital (leverage) ratio | 8.2362% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6352% | 2,904 |
| Memoranda: | ||
| Average total assets | $360,935,333 | 2,195 |
| Average earning assets | $336,328,000 | 2,199 |
| Average equity | $27,392,333 | 2,560 |
| Average total loans | $256,617,667 | 1,910 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 903 |
| Cost of funding earning assets | 0.4886% | 523 |
| Net interest margin | 3.4272% | 1,242 |
| Noninterest income to average assets | 0.3433% | 3,039 |
| Noninterest expense to average assets | 1.8291% | 3,871 |
| Loan and lease loss provision to assets | 0.2330% | 289 |
| Net operating income to assets | 1.0413% | 1,719 |
| Return on assets (ROA) | 1.0413% | 1,717 |
| Pretax return on assets | 1.4790% | 1,055 |
| Return on Equity (ROE) | 13.3171% | 974 |
| Retained earnings to average equity (ytd only) | 6.0479% | 2,240 |
| Net charge-offs to loans | 0.0446% | 840 |
| Credit loss provision to net charge-offs | 732.1429% | 422 |
| Earnings coverage of net charge-offs (x) | 53.7857% | 899 |
| Efficiency ratio | 51.6533% | 4,219 |
| Assets per employee ($millions) | 9.3080% | 823 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 880 |
| Loan loss allowance to noncurrent loans | 353.0075% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 1,560 |
| Noncurrent loans to loans | 0.5100% | 1,748 |
| Net loans and leases to total assets | 70.5412% | 967 |
| Net loans and leases to deposits | 78.3925% | 1,252 |
| Net loans and leases to core deposits | 79.7330% | 1,504 |
| Total domestic deposits to total assets | 89.9846% | 1,571 |
| Equity capital to assets | 7.3460% | 4,022 |
| Core capital (leverage) ratio | 8.2426% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2969% | 3,009 |
| Memoranda: | ||
| Average total assets | $351,865,000 | 2,248 |
| Average earning assets | $328,316,500 | 2,248 |
| Average equity | $27,513,500 | 2,631 |
| Average total loans | $251,297,000 | 1,929 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 638 |
| Cost of funding earning assets | 0.5141% | 872 |
| Net interest margin | 3.9436% | 793 |
| Noninterest income to average assets | 0.5805% | 2,235 |
| Noninterest expense to average assets | 1.8621% | 4,020 |
| Loan and lease loss provision to assets | 0.4135% | 157 |
| Net operating income to assets | 1.4514% | 1,131 |
| Return on assets (ROA) | 1.4517% | 1,205 |
| Pretax return on assets | 1.9830% | 624 |
| Return on Equity (ROE) | 17.7163% | 492 |
| Retained earnings to average equity (ytd only) | 15.8191% | 185 |
| Net charge-offs to loans | 0.0369% | 1,514 |
| Credit loss provision to net charge-offs | 1,511.3636% | 380 |
| Earnings coverage of net charge-offs (x) | 87.5795% | 948 |
| Efficiency ratio | 43.7281% | 4,582 |
| Assets per employee ($millions) | 9.7348% | 719 |
| Cash dividends to net income (ytd only)* | 10.7089% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 770 |
| Loan loss allowance to noncurrent loans | 340.6486% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 1,671 |
| Noncurrent loans to loans | 0.5483% | 1,752 |
| Net loans and leases to total assets | 69.6497% | 1,082 |
| Net loans and leases to deposits | 78.6106% | 1,338 |
| Net loans and leases to core deposits | 80.2023% | 1,576 |
| Total domestic deposits to total assets | 88.6008% | 1,736 |
| Equity capital to assets | 8.3236% | 4,164 |
| Core capital (leverage) ratio | 8.3375% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5132% | 2,775 |
| Memoranda: | ||
| Average total assets | $321,630,200 | 2,336 |
| Average earning assets | $299,957,400 | 2,332 |
| Average equity | $26,354,200 | 2,757 |
| Average total loans | $238,803,800 | 1,994 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 645 |
| Cost of funding earning assets | 0.5213% | 948 |
| Net interest margin | 4.0046% | 787 |
| Noninterest income to average assets | 0.5853% | 2,271 |
| Noninterest expense to average assets | 1.8603% | 4,034 |
| Loan and lease loss provision to assets | 0.4630% | 131 |
| Net operating income to assets | 1.4542% | 1,385 |
| Return on assets (ROA) | 1.4542% | 1,446 |
| Pretax return on assets | 1.9958% | 805 |
| Return on Equity (ROE) | 17.8236% | 648 |
| Retained earnings to average equity (ytd only) | 15.2449% | 365 |
| Net charge-offs to loans | 0.0437% | 1,235 |
| Credit loss provision to net charge-offs | 1,410.2564% | 420 |
| Earnings coverage of net charge-offs (x) | 74.9103% | 1,019 |
| Efficiency ratio | 43.0729% | 4,623 |
| Assets per employee ($millions) | 10.0162% | 636 |
| Cash dividends to net income (ytd only)* | 14.4676% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 1,034 |
| Loan loss allowance to noncurrent loans | 310.7737% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 1,859 |
| Noncurrent loans to loans | 0.5596% | 1,917 |
| Net loans and leases to total assets | 69.2704% | 1,159 |
| Net loans and leases to deposits | 78.0306% | 1,478 |
| Net loans and leases to core deposits | 80.0962% | 1,719 |
| Total domestic deposits to total assets | 88.7733% | 1,416 |
| Equity capital to assets | 7.8088% | 4,604 |
| Core capital (leverage) ratio | 7.9097% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,858,250 | 2,382 |
| Average earning assets | $295,423,000 | 2,381 |
| Average equity | $25,852,750 | 2,827 |
| Average total loans | $238,048,250 | 2,038 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 1,133 |
| Cost of funding earning assets | 0.5334% | 1,017 |
| Net interest margin | 3.6962% | 1,357 |
| Noninterest income to average assets | 0.6413% | 2,036 |
| Noninterest expense to average assets | 1.8173% | 4,146 |
| Loan and lease loss provision to assets | 0.3763% | 189 |
| Net operating income to assets | 1.4240% | 1,504 |
| Return on assets (ROA) | 1.4240% | 1,571 |
| Pretax return on assets | 1.8899% | 1,041 |
| Return on Equity (ROE) | 17.1708% | 755 |
| Retained earnings to average equity (ytd only) | 13.2253% | 682 |
| Net charge-offs to loans | 0.0145% | 1,661 |
| Credit loss provision to net charge-offs | 3,382.3529% | 192 |
| Earnings coverage of net charge-offs (x) | 203.7059% | 493 |
| Efficiency ratio | 44.5032% | 4,590 |
| Assets per employee ($millions) | 9.1454% | 819 |
| Cash dividends to net income (ytd only)* | 22.9779% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,394 |
| Loan loss allowance to noncurrent loans | 287.0509% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,023 |
| Noncurrent loans to loans | 0.5431% | 2,043 |
| Net loans and leases to total assets | 71.5686% | 1,018 |
| Net loans and leases to deposits | 81.1080% | 1,319 |
| Net loans and leases to core deposits | 85.7195% | 1,439 |
| Total domestic deposits to total assets | 88.2386% | 1,704 |
| Equity capital to assets | 7.7310% | 4,662 |
| Core capital (leverage) ratio | 8.1586% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,622,000 | 2,429 |
| Average earning assets | $284,613,333 | 2,422 |
| Average equity | $25,345,333 | 2,854 |
| Average total loans | $235,018,667 | 2,063 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 761 |
| Cost of funding earning assets | 0.5451% | 1,131 |
| Net interest margin | 3.9687% | 890 |
| Noninterest income to average assets | 0.6832% | 1,923 |
| Noninterest expense to average assets | 1.9942% | 3,732 |
| Loan and lease loss provision to assets | 0.3112% | 291 |
| Net operating income to assets | 1.6305% | 1,062 |
| Return on assets (ROA) | 1.6305% | 1,115 |
| Pretax return on assets | 2.0730% | 841 |
| Return on Equity (ROE) | 18.9109% | 633 |
| Retained earnings to average equity (ytd only) | 10.8910% | 1,427 |
| Net charge-offs to loans | 0.0296% | 1,192 |
| Credit loss provision to net charge-offs | 1,323.5294% | 343 |
| Earnings coverage of net charge-offs (x) | 101.4118% | 614 |
| Efficiency ratio | 45.5464% | 4,493 |
| Assets per employee ($millions) | 8.4455% | 1,010 |
| Cash dividends to net income (ytd only)* | 42.4088% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,617 |
| Loan loss allowance to noncurrent loans | 281.2752% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 2,182 |
| Noncurrent loans to loans | 0.5325% | 2,256 |
| Net loans and leases to total assets | 75.3856% | 688 |
| Net loans and leases to deposits | 86.3683% | 942 |
| Net loans and leases to core deposits | 91.9238% | 1,121 |
| Total domestic deposits to total assets | 87.2838% | 2,187 |
| Equity capital to assets | 8.2908% | 4,286 |
| Core capital (leverage) ratio | 8.6295% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,243,500 | 2,491 |
| Average earning assets | $269,306,000 | 2,495 |
| Average equity | $24,938,000 | 2,877 |
| Average total loans | $229,524,000 | 2,096 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 566 |
| Cost of funding earning assets | 0.7634% | 1,380 |
| Net interest margin | 4.1686% | 690 |
| Noninterest income to average assets | 0.6115% | 2,178 |
| Noninterest expense to average assets | 2.1389% | 3,851 |
| Loan and lease loss provision to assets | 0.3663% | 907 |
| Net operating income to assets | 1.5140% | 783 |
| Return on assets (ROA) | 1.5140% | 848 |
| Pretax return on assets | 1.9527% | 504 |
| Return on Equity (ROE) | 17.3634% | 380 |
| Retained earnings to average equity (ytd only) | 15.1526% | 153 |
| Net charge-offs to loans | 0.0682% | 1,812 |
| Credit loss provision to net charge-offs | 655.1724% | 1,044 |
| Earnings coverage of net charge-offs (x) | 41.4828% | 1,352 |
| Efficiency ratio | 47.9806% | 4,631 |
| Assets per employee ($millions) | 7.4176% | 1,331 |
| Cash dividends to net income (ytd only)* | 12.7324% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,784 |
| Loan loss allowance to noncurrent loans | 345.9345% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 2,609 |
| Noncurrent loans to loans | 0.4184% | 2,725 |
| Net loans and leases to total assets | 81.2851% | 343 |
| Net loans and leases to deposits | 94.6415% | 622 |
| Net loans and leases to core deposits | 103.2939% | 756 |
| Total domestic deposits to total assets | 85.8874% | 2,408 |
| Equity capital to assets | 8.9885% | 4,067 |
| Core capital (leverage) ratio | 9.0286% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,382,000 | 2,516 |
| Average earning assets | $239,339,000 | 2,531 |
| Average equity | $22,616,600 | 2,968 |
| Average total loans | $212,650,600 | 2,149 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 665 |
| Cost of funding earning assets | 0.8301% | 1,359 |
| Net interest margin | 4.1209% | 863 |
| Noninterest income to average assets | 0.5279% | 2,487 |
| Noninterest expense to average assets | 2.1647% | 3,768 |
| Loan and lease loss provision to assets | 0.3783% | 975 |
| Net operating income to assets | 1.3567% | 1,211 |
| Return on assets (ROA) | 1.3567% | 1,317 |
| Pretax return on assets | 1.7813% | 808 |
| Return on Equity (ROE) | 15.6894% | 584 |
| Retained earnings to average equity (ytd only) | 12.6734% | 359 |
| Net charge-offs to loans | 0.0612% | 1,726 |
| Credit loss provision to net charge-offs | 755.2083% | 1,021 |
| Earnings coverage of net charge-offs (x) | 43.1250% | 1,302 |
| Efficiency ratio | 50.0603% | 4,488 |
| Assets per employee ($millions) | 7.4924% | 1,214 |
| Cash dividends to net income (ytd only)* | 19.2234% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,795 |
| Loan loss allowance to noncurrent loans | 414.8594% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 2,472 |
| Noncurrent loans to loans | 0.3341% | 3,085 |
| Net loans and leases to total assets | 81.7515% | 452 |
| Net loans and leases to deposits | 95.4543% | 800 |
| Net loans and leases to core deposits | 106.4254% | 834 |
| Total domestic deposits to total assets | 85.6447% | 2,202 |
| Equity capital to assets | 8.6562% | 4,367 |
| Core capital (leverage) ratio | 8.6722% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,615,000 | 2,528 |
| Average earning assets | $235,477,250 | 2,538 |
| Average equity | $22,103,500 | 2,993 |
| Average total loans | $209,222,500 | 2,169 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 830 |
| Cost of funding earning assets | 0.9082% | 1,337 |
| Net interest margin | 4.0866% | 1,144 |
| Noninterest income to average assets | 0.5699% | 2,254 |
| Noninterest expense to average assets | 2.0932% | 4,048 |
| Loan and lease loss provision to assets | 0.3985% | 1,016 |
| Net operating income to assets | 1.2905% | 1,384 |
| Return on assets (ROA) | 1.2905% | 1,497 |
| Pretax return on assets | 1.8405% | 755 |
| Return on Equity (ROE) | 14.9295% | 721 |
| Retained earnings to average equity (ytd only) | 10.3188% | 731 |
| Net charge-offs to loans | 0.0939% | 1,323 |
| Credit loss provision to net charge-offs | 520.8333% | 1,198 |
| Earnings coverage of net charge-offs (x) | 29.2604% | 1,456 |
| Efficiency ratio | 48.3165% | 4,608 |
| Assets per employee ($millions) | 7.0187% | 1,426 |
| Cash dividends to net income (ytd only)* | 30.8833% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,857 |
| Loan loss allowance to noncurrent loans | 244.1801% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,258 |
| Noncurrent loans to loans | 0.5465% | 2,532 |
| Net loans and leases to total assets | 79.6700% | 630 |
| Net loans and leases to deposits | 97.8125% | 668 |
| Net loans and leases to core deposits | 106.7372% | 861 |
| Total domestic deposits to total assets | 81.4517% | 3,511 |
| Equity capital to assets | 8.3863% | 4,541 |
| Core capital (leverage) ratio | 8.6584% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,911,000 | 2,536 |
| Average earning assets | $230,997,667 | 2,546 |
| Average equity | $21,688,667 | 3,010 |
| Average total loans | $204,428,333 | 2,182 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 742 |
| Cost of funding earning assets | 1.0439% | 1,243 |
| Net interest margin | 4.0950% | 1,142 |
| Noninterest income to average assets | 0.6008% | 2,042 |
| Noninterest expense to average assets | 2.1974% | 4,009 |
| Loan and lease loss provision to assets | 0.2469% | 1,261 |
| Net operating income to assets | 1.5160% | 752 |
| Return on assets (ROA) | 1.5160% | 821 |
| Pretax return on assets | 1.9275% | 538 |
| Return on Equity (ROE) | 17.2557% | 312 |
| Retained earnings to average equity (ytd only) | 7.8878% | 1,261 |
| Net charge-offs to loans | 0.1930% | 705 |
| Credit loss provision to net charge-offs | 156.2500% | 1,562 |
| Earnings coverage of net charge-offs (x) | 13.7604% | 1,633 |
| Efficiency ratio | 50.2636% | 4,653 |
| Assets per employee ($millions) | 7.9844% | 739 |
| Cash dividends to net income (ytd only)* | 54.2888% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,238 |
| Loan loss allowance to noncurrent loans | 297.0588% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,554 |
| Noncurrent loans to loans | 0.4305% | 2,963 |
| Net loans and leases to total assets | 78.7413% | 873 |
| Net loans and leases to deposits | 93.3607% | 1,141 |
| Net loans and leases to core deposits | 109.6066% | 868 |
| Total domestic deposits to total assets | 84.3409% | 2,654 |
| Equity capital to assets | 8.7129% | 4,732 |
| Core capital (leverage) ratio | 8.7584% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1790% | 3,299 |
| Memoranda: | ||
| Average total assets | $243,012,000 | 2,532 |
| Average earning assets | $223,783,500 | 2,544 |
| Average equity | $21,349,500 | 3,043 |
| Average total loans | $198,962,000 | 2,194 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 576 |
| Cost of funding earning assets | 0.9759% | 1,827 |
| Net interest margin | 4.5076% | 706 |
| Noninterest income to average assets | 0.6017% | 2,207 |
| Noninterest expense to average assets | 2.4390% | 3,595 |
| Loan and lease loss provision to assets | 0.4085% | 349 |
| Net operating income to assets | 1.3890% | 1,376 |
| Return on assets (ROA) | 1.3692% | 1,527 |
| Pretax return on assets | 1.8426% | 850 |
| Return on Equity (ROE) | 14.5644% | 784 |
| Retained earnings to average equity (ytd only) | 12.7752% | 177 |
| Net charge-offs to loans | 0.2501% | 826 |
| Credit loss provision to net charge-offs | 201.4218% | 1,317 |
| Earnings coverage of net charge-offs (x) | 11.2227% | 2,514 |
| Efficiency ratio | 51.7277% | 4,625 |
| Assets per employee ($millions) | 7.2275% | 964 |
| Cash dividends to net income (ytd only)* | 12.2850% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,276 |
| Loan loss allowance to noncurrent loans | 356.0519% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 2,588 |
| Noncurrent loans to loans | 0.3461% | 3,206 |
| Net loans and leases to total assets | 83.0290% | 427 |
| Net loans and leases to deposits | 96.9334% | 846 |
| Net loans and leases to core deposits | 115.8775% | 603 |
| Total domestic deposits to total assets | 85.6558% | 2,216 |
| Equity capital to assets | 8.8605% | 4,764 |
| Core capital (leverage) ratio | 9.0354% | 4,505 |
| Tier 1 risk-based capital ratio | 11.0353% | 4,844 |
| Total risk-based capital ratio | 12.2857% | 4,748 |
| Memoranda: | ||
| Average total assets | $208,074,200 | 2,775 |
| Average earning assets | $189,877,600 | 2,803 |
| Average equity | $19,561,400 | 3,171 |
| Average total loans | $168,725,200 | 2,421 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 594 |
| Cost of funding earning assets | 0.9302% | 2,080 |
| Net interest margin | 4.5576% | 676 |
| Noninterest income to average assets | 0.6185% | 2,112 |
| Noninterest expense to average assets | 2.5254% | 3,363 |
| Loan and lease loss provision to assets | 0.4157% | 317 |
| Net operating income to assets | 1.3356% | 1,698 |
| Return on assets (ROA) | 1.3083% | 1,906 |
| Pretax return on assets | 1.7911% | 1,115 |
| Return on Equity (ROE) | 13.6818% | 1,056 |
| Retained earnings to average equity (ytd only) | 11.2474% | 484 |
| Net charge-offs to loans | 0.3168% | 547 |
| Credit loss provision to net charge-offs | 163.6126% | 1,530 |
| Earnings coverage of net charge-offs (x) | 8.8220% | 2,620 |
| Efficiency ratio | 52.9789% | 4,506 |
| Assets per employee ($millions) | 5.8602% | 1,705 |
| Cash dividends to net income (ytd only)* | 17.7938% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,781 |
| Loan loss allowance to noncurrent loans | 167.0562% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 1,909 |
| Noncurrent loans to loans | 0.8058% | 1,956 |
| Net loans and leases to total assets | 81.7158% | 599 |
| Net loans and leases to deposits | 92.0719% | 1,430 |
| Net loans and leases to core deposits | 102.2318% | 1,478 |
| Total domestic deposits to total assets | 88.7522% | 708 |
| Equity capital to assets | 9.8666% | 4,144 |
| Core capital (leverage) ratio | 10.0040% | 3,641 |
| Tier 1 risk-based capital ratio | 10.6928% | 5,021 |
| Total risk-based capital ratio | 11.9048% | 4,954 |
| Memoranda: | ||
| Average total assets | $200,466,000 | 2,854 |
| Average earning assets | $182,459,250 | 2,878 |
| Average equity | $19,168,500 | 3,229 |
| Average total loans | $160,781,250 | 2,525 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4426% | 624 |
| Cost of funding earning assets | 0.9272% | 2,020 |
| Net interest margin | 4.5154% | 746 |
| Noninterest income to average assets | 0.6354% | 1,992 |
| Noninterest expense to average assets | 2.5779% | 3,255 |
| Loan and lease loss provision to assets | 0.4022% | 298 |
| Net operating income to assets | 1.3303% | 1,655 |
| Return on assets (ROA) | 1.2890% | 1,879 |
| Pretax return on assets | 1.7112% | 1,248 |
| Return on Equity (ROE) | 13.6294% | 1,068 |
| Retained earnings to average equity (ytd only) | 9.9084% | 788 |
| Net charge-offs to loans | 0.1559% | 1,007 |
| Credit loss provision to net charge-offs | 325.2033% | 847 |
| Earnings coverage of net charge-offs (x) | 17.5122% | 1,887 |
| Efficiency ratio | 54.3451% | 4,431 |
| Assets per employee ($millions) | 5.7457% | 1,749 |
| Cash dividends to net income (ytd only)* | 27.3011% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,508 |
| Loan loss allowance to noncurrent loans | 136.5509% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 1,557 |
| Noncurrent loans to loans | 1.0448% | 1,567 |
| Net loans and leases to total assets | 79.7100% | 932 |
| Net loans and leases to deposits | 88.7570% | 1,897 |
| Net loans and leases to core deposits | 100.6113% | 1,668 |
| Total domestic deposits to total assets | 89.8070% | 390 |
| Equity capital to assets | 9.7077% | 4,227 |
| Core capital (leverage) ratio | 9.7376% | 3,895 |
| Tier 1 risk-based capital ratio | 10.7579% | 5,010 |
| Total risk-based capital ratio | 12.0081% | 4,926 |
| Memoranda: | ||
| Average total assets | $198,919,330 | 2,881 |
| Average earning assets | $180,980,000 | 2,910 |
| Average equity | $18,812,330 | 3,268 |
| Average total loans | $157,744,670 | 2,574 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 697 |
| Cost of funding earning assets | 0.9179% | 1,926 |
| Net interest margin | 4.4295% | 847 |
| Noninterest income to average assets | 0.5237% | 2,418 |
| Noninterest expense to average assets | 2.5072% | 3,490 |
| Loan and lease loss provision to assets | 0.4549% | 240 |
| Net operating income to assets | 1.1566% | 2,233 |
| Return on assets (ROA) | 1.1566% | 2,289 |
| Pretax return on assets | 1.5913% | 1,490 |
| Return on Equity (ROE) | 12.3960% | 1,411 |
| Retained earnings to average equity (ytd only) | 4.8111% | 2,988 |
| Net charge-offs to loans | 0.1623% | 832 |
| Credit loss provision to net charge-offs | 357.1429% | 750 |
| Earnings coverage of net charge-offs (x) | 16.0635% | 1,715 |
| Efficiency ratio | 55.0622% | 4,426 |
| Assets per employee ($millions) | 5.8956% | 1,629 |
| Cash dividends to net income (ytd only)* | 61.1888% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,653 |
| Loan loss allowance to noncurrent loans | 138.6792% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 1,662 |
| Noncurrent loans to loans | 1.0151% | 1,642 |
| Net loans and leases to total assets | 77.0398% | 1,309 |
| Net loans and leases to deposits | 87.8844% | 1,888 |
| Net loans and leases to core deposits | 97.9177% | 1,781 |
| Total domestic deposits to total assets | 87.6603% | 1,490 |
| Equity capital to assets | 9.3105% | 4,425 |
| Core capital (leverage) ratio | 9.4674% | 4,167 |
| Tier 1 risk-based capital ratio | 10.6469% | 5,132 |
| Total risk-based capital ratio | 11.8964% | 5,027 |
| Memoranda: | ||
| Average total assets | $197,829,500 | 2,920 |
| Average earning assets | $179,976,500 | 2,950 |
| Average equity | $18,457,500 | 3,318 |
| Average total loans | $155,309,000 | 2,637 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 595 |
| Cost of funding earning assets | 0.7830% | 1,620 |
| Net interest margin | 4.5055% | 754 |
| Noninterest income to average assets | 0.9431% | 1,077 |
| Noninterest expense to average assets | 2.6825% | 3,084 |
| Loan and lease loss provision to assets | 0.3987% | 343 |
| Net operating income to assets | 1.4286% | 1,338 |
| Return on assets (ROA) | 1.4295% | 1,330 |
| Pretax return on assets | 1.9467% | 631 |
| Return on Equity (ROE) | 15.9922% | 633 |
| Retained earnings to average equity (ytd only) | 14.2081% | 154 |
| Net charge-offs to loans | 0.1480% | 1,294 |
| Credit loss provision to net charge-offs | 342.4658% | 917 |
| Earnings coverage of net charge-offs (x) | 20.1370% | 2,016 |
| Efficiency ratio | 53.3629% | 4,673 |
| Assets per employee ($millions) | 5.5774% | 1,886 |
| Cash dividends to net income (ytd only)* | 11.1566% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,916 |
| Loan loss allowance to noncurrent loans | 135.1190% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.8360% | 1,668 |
| Noncurrent loans to loans | 0.9819% | 1,655 |
| Net loans and leases to total assets | 77.8365% | 1,295 |
| Net loans and leases to deposits | 88.6844% | 1,967 |
| Net loans and leases to core deposits | 98.8209% | 1,805 |
| Total domestic deposits to total assets | 87.7679% | 1,405 |
| Equity capital to assets | 9.3500% | 4,267 |
| Core capital (leverage) ratio | 9.5531% | 4,055 |
| Tier 1 risk-based capital ratio | 10.4541% | 5,198 |
| Total risk-based capital ratio | 11.6049% | 5,139 |
| Memoranda: | ||
| Average total assets | $188,110,400 | 2,982 |
| Average earning assets | $170,501,400 | 3,018 |
| Average equity | $16,814,400 | 3,421 |
| Average total loans | $148,021,800 | 2,667 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2494% | 566 |
| Cost of funding earning assets | 0.7459% | 1,603 |
| Net interest margin | 4.5036% | 733 |
| Noninterest income to average assets | 0.9488% | 1,064 |
| Noninterest expense to average assets | 2.6740% | 3,050 |
| Loan and lease loss provision to assets | 0.4222% | 301 |
| Net operating income to assets | 1.3774% | 1,567 |
| Return on assets (ROA) | 1.3774% | 1,568 |
| Pretax return on assets | 1.9312% | 762 |
| Return on Equity (ROE) | 15.5977% | 768 |
| Retained earnings to average equity (ytd only) | 13.1669% | 339 |
| Net charge-offs to loans | 0.1520% | 1,085 |
| Credit loss provision to net charge-offs | 353.2934% | 887 |
| Earnings coverage of net charge-offs (x) | 19.6947% | 1,988 |
| Efficiency ratio | 53.1882% | 4,690 |
| Assets per employee ($millions) | 5.3712% | 2,055 |
| Cash dividends to net income (ytd only)* | 15.5844% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,348 |
| Loan loss allowance to noncurrent loans | 204.7619% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,540 |
| Noncurrent loans to loans | 0.6125% | 2,551 |
| Net loans and leases to total assets | 78.7913% | 1,198 |
| Net loans and leases to deposits | 89.5636% | 1,953 |
| Net loans and leases to core deposits | 98.9884% | 1,870 |
| Total domestic deposits to total assets | 87.9724% | 1,251 |
| Equity capital to assets | 8.9582% | 4,589 |
| Core capital (leverage) ratio | 9.1655% | 4,549 |
| Tier 1 risk-based capital ratio | 10.4695% | 5,246 |
| Total risk-based capital ratio | 11.6079% | 5,198 |
| Memoranda: | ||
| Average total assets | $186,336,000 | 3,019 |
| Average earning assets | $168,750,500 | 3,059 |
| Average equity | $16,455,000 | 3,491 |
| Average total loans | $146,530,750 | 2,699 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 582 |
| Cost of funding earning assets | 0.7130% | 1,556 |
| Net interest margin | 4.4607% | 747 |
| Noninterest income to average assets | 0.9642% | 1,022 |
| Noninterest expense to average assets | 2.6947% | 3,033 |
| Loan and lease loss provision to assets | 0.5435% | 199 |
| Net operating income to assets | 1.2435% | 2,008 |
| Return on assets (ROA) | 1.2435% | 2,008 |
| Pretax return on assets | 1.7588% | 1,073 |
| Return on Equity (ROE) | 14.1532% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.4417% | 810 |
| Net charge-offs to loans | 0.1876% | 834 |
| Credit loss provision to net charge-offs | 370.3704% | 868 |
| Earnings coverage of net charge-offs (x) | 15.6889% | 2,028 |
| Efficiency ratio | 53.9265% | 4,700 |
| Assets per employee ($millions) | 5.1831% | 2,211 |
| Cash dividends to net income (ytd only)* | 26.2238% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,345 |
| Loan loss allowance to noncurrent loans | 174.7672% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 2,306 |
| Noncurrent loans to loans | 0.7246% | 2,299 |
| Net loans and leases to total assets | 78.4336% | 1,251 |
| Net loans and leases to deposits | 89.7308% | 1,874 |
| Net loans and leases to core deposits | 96.0069% | 2,055 |
| Total domestic deposits to total assets | 87.4099% | 1,680 |
| Equity capital to assets | 8.9034% | 4,637 |
| Core capital (leverage) ratio | 9.0795% | 4,608 |
| Tier 1 risk-based capital ratio | 10.4621% | 5,285 |
| Total risk-based capital ratio | 11.6163% | 5,232 |
| Memoranda: | ||
| Average total assets | $183,993,330 | 3,059 |
| Average earning assets | $166,340,330 | 3,104 |
| Average equity | $16,166,000 | 3,538 |
| Average total loans | $143,944,670 | 2,748 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 617 |
| Cost of funding earning assets | 0.7149% | 1,367 |
| Net interest margin | 4.3501% | 855 |
| Noninterest income to average assets | 0.8471% | 1,312 |
| Noninterest expense to average assets | 2.3946% | 3,959 |
| Loan and lease loss provision to assets | 0.5910% | 172 |
| Net operating income to assets | 1.2980% | 1,645 |
| Return on assets (ROA) | 1.2980% | 1,648 |
| Pretax return on assets | 1.7904% | 934 |
| Return on Equity (ROE) | 14.8287% | 831 |
| Retained earnings to average equity (ytd only) | 7.3268% | 2,134 |
| Net charge-offs to loans | 0.4372% | 347 |
| Credit loss provision to net charge-offs | 174.1935% | 1,140 |
| Earnings coverage of net charge-offs (x) | 7.0194% | 2,126 |
| Efficiency ratio | 50.1375% | 5,076 |
| Assets per employee ($millions) | 5.4735% | 1,962 |
| Cash dividends to net income (ytd only)* | 50.5902% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,186 |
| Loan loss allowance to noncurrent loans | 191.4118% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,220 |
| Noncurrent loans to loans | 0.5920% | 2,762 |
| Net loans and leases to total assets | 76.2819% | 1,493 |
| Net loans and leases to deposits | 85.0971% | 2,283 |
| Net loans and leases to core deposits | 93.3290% | 2,187 |
| Total domestic deposits to total assets | 89.6409% | 816 |
| Equity capital to assets | 8.6272% | 4,880 |
| Core capital (leverage) ratio | 8.9453% | 4,741 |
| Tier 1 risk-based capital ratio | 10.3110% | 5,413 |
| Total risk-based capital ratio | 11.3301% | 5,414 |
| Memoranda: | ||
| Average total assets | $182,748,000 | 3,101 |
| Average earning assets | $165,055,500 | 3,146 |
| Average equity | $15,996,000 | 3,593 |
| Average total loans | $141,803,500 | 2,790 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 763 |
| Cost of funding earning assets | 0.6308% | 1,412 |
| Net interest margin | 4.2914% | 979 |
| Noninterest income to average assets | 0.9016% | 1,263 |
| Noninterest expense to average assets | 2.5668% | 3,557 |
| Loan and lease loss provision to assets | 0.5663% | 226 |
| Net operating income to assets | 1.0427% | 2,082 |
| Return on assets (ROA) | 1.0514% | 2,072 |
| Pretax return on assets | 1.6658% | 1,109 |
| Return on Equity (ROE) | 12.2741% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.6046% | 282 |
| Net charge-offs to loans | 0.4682% | 508 |
| Credit loss provision to net charge-offs | 159.1640% | 1,680 |
| Earnings coverage of net charge-offs (x) | 6.2347% | 3,209 |
| Efficiency ratio | 53.6402% | 4,974 |
| Assets per employee ($millions) | 5.1257% | 2,333 |
| Cash dividends to net income (ytd only)* | 13.6017% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,451 |
| Loan loss allowance to noncurrent loans | 125.2693% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 1,633 |
| Noncurrent loans to loans | 0.8620% | 2,075 |
| Net loans and leases to total assets | 77.2077% | 1,392 |
| Net loans and leases to deposits | 85.8077% | 2,284 |
| Net loans and leases to core deposits | 97.7632% | 1,878 |
| Total domestic deposits to total assets | 89.9776% | 576 |
| Equity capital to assets | 8.8836% | 4,832 |
| Core capital (leverage) ratio | 9.0157% | 4,631 |
| Tier 1 risk-based capital ratio | 10.3463% | 5,431 |
| Total risk-based capital ratio | 11.3137% | 5,455 |
| Memoranda: | ||
| Average total assets | $174,807,000 | 3,179 |
| Average earning assets | $158,201,000 | 3,221 |
| Average equity | $14,974,600 | 3,720 |
| Average total loans | $132,848,800 | 2,878 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 781 |
| Cost of funding earning assets | 0.6093% | 1,467 |
| Net interest margin | 4.2759% | 984 |
| Noninterest income to average assets | 0.8906% | 1,300 |
| Noninterest expense to average assets | 2.4952% | 3,754 |
| Loan and lease loss provision to assets | 0.6142% | 179 |
| Net operating income to assets | 0.8830% | 3,116 |
| Return on assets (ROA) | 0.8845% | 3,154 |
| Pretax return on assets | 1.6576% | 1,223 |
| Return on Equity (ROE) | 10.4246% | 1,942 |
| Retained earnings to average equity (ytd only) | 8.1623% | 1,157 |
| Net charge-offs to loans | 0.5453% | 372 |
| Credit loss provision to net charge-offs | 149.2537% | 1,699 |
| Earnings coverage of net charge-offs (x) | 5.5149% | 3,097 |
| Efficiency ratio | 52.3687% | 5,070 |
| Assets per employee ($millions) | 5.0694% | 2,365 |
| Cash dividends to net income (ytd only)* | 21.7017% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,926 |
| Loan loss allowance to noncurrent loans | 90.9561% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 1,970 |
| Noncurrent loans to loans | 1.1281% | 1,705 |
| Net loans and leases to total assets | 76.5467% | 1,491 |
| Net loans and leases to deposits | 84.1826% | 2,540 |
| Net loans and leases to core deposits | 94.3311% | 2,240 |
| Total domestic deposits to total assets | 90.9293% | 202 |
| Equity capital to assets | 8.6728% | 5,172 |
| Core capital (leverage) ratio | 8.6658% | 5,095 |
| Tier 1 risk-based capital ratio | 10.2360% | 5,532 |
| Total risk-based capital ratio | 11.1691% | 5,582 |
| Memoranda: | ||
| Average total assets | $173,659,250 | 3,223 |
| Average earning assets | $157,344,500 | 3,266 |
| Average equity | $14,734,000 | 3,788 |
| Average total loans | $131,055,750 | 2,928 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 824 |
| Cost of funding earning assets | 0.5646% | 1,684 |
| Net interest margin | 4.2583% | 962 |
| Noninterest income to average assets | 1.0232% | 969 |
| Noninterest expense to average assets | 2.4315% | 3,966 |
| Loan and lease loss provision to assets | 0.7889% | 132 |
| Net operating income to assets | 0.8214% | 3,289 |
| Return on assets (ROA) | 0.8237% | 3,335 |
| Pretax return on assets | 1.6647% | 1,142 |
| Return on Equity (ROE) | 9.7823% | 2,135 |
| Retained earnings to average equity (ytd only) | 6.3378% | 1,944 |
| Net charge-offs to loans | 0.2574% | 795 |
| Credit loss provision to net charge-offs | 409.6386% | 775 |
| Earnings coverage of net charge-offs (x) | 12.7229% | 2,170 |
| Efficiency ratio | 49.8099% | 5,317 |
| Assets per employee ($millions) | 5.2412% | 2,119 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,900 |
| Loan loss allowance to noncurrent loans | 142.8079% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 2,662 |
| Noncurrent loans to loans | 0.8539% | 2,276 |
| Net loans and leases to total assets | 73.2110% | 2,003 |
| Net loans and leases to deposits | 81.8896% | 2,714 |
| Net loans and leases to core deposits | 91.1299% | 2,411 |
| Total domestic deposits to total assets | 89.4020% | 760 |
| Equity capital to assets | 8.1563% | 5,466 |
| Core capital (leverage) ratio | 8.7862% | 4,965 |
| Tier 1 risk-based capital ratio | 10.0219% | 5,624 |
| Total risk-based capital ratio | 11.1293% | 5,620 |
| Memoranda: | ||
| Average total assets | $172,402,670 | 3,256 |
| Average earning assets | $156,212,670 | 3,290 |
| Average equity | $14,516,000 | 3,820 |
| Average total loans | $128,999,670 | 2,959 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 704 |
| Cost of funding earning assets | 0.5593% | 1,654 |
| Net interest margin | 4.2727% | 843 |
| Noninterest income to average assets | 1.0882% | 840 |
| Noninterest expense to average assets | 2.4137% | 4,080 |
| Loan and lease loss provision to assets | 1.4381% | 54 |
| Net operating income to assets | 0.6833% | 3,773 |
| Return on assets (ROA) | 0.6879% | 3,794 |
| Pretax return on assets | 1.1074% | 2,952 |
| Return on Equity (ROE) | 8.0319% | 2,909 |
| Retained earnings to average equity (ytd only) | 1.0355% | 4,645 |
| Net charge-offs to loans | 0.5322% | 339 |
| Credit loss provision to net charge-offs | 359.2814% | 705 |
| Earnings coverage of net charge-offs (x) | 6.3413% | 2,222 |
| Efficiency ratio | 48.7415% | 5,434 |
| Assets per employee ($millions) | 5.0085% | 2,434 |
| Cash dividends to net income (ytd only)* | 87.1080% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,775 |
| Loan loss allowance to noncurrent loans | 161.5779% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 2,499 |
| Noncurrent loans to loans | 0.7780% | 2,519 |
| Net loans and leases to total assets | 72.7457% | 1,954 |
| Net loans and leases to deposits | 79.7546% | 2,779 |
| Net loans and leases to core deposits | 87.8923% | 2,561 |
| Total domestic deposits to total assets | 91.2120% | 238 |
| Equity capital to assets | 8.4239% | 5,293 |
| Core capital (leverage) ratio | 8.7839% | 4,970 |
| Tier 1 risk-based capital ratio | 10.5503% | 5,521 |
| Total risk-based capital ratio | 11.6914% | 5,492 |
| Memoranda: | ||
| Average total assets | $166,883,500 | 3,345 |
| Average earning assets | $150,910,000 | 3,389 |
| Average equity | $14,293,000 | 3,877 |
| Average total loans | $125,521,000 | 3,033 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 854 |
| Cost of funding earning assets | 0.5527% | 1,662 |
| Net interest margin | 4.2682% | 983 |
| Noninterest income to average assets | 1.0532% | 1,015 |
| Noninterest expense to average assets | 2.5517% | 3,833 |
| Loan and lease loss provision to assets | 0.3532% | 482 |
| Net operating income to assets | 1.3099% | 1,193 |
| Return on assets (ROA) | 1.3490% | 1,155 |
| Pretax return on assets | 2.1153% | 390 |
| Return on Equity (ROE) | 15.7899% | 529 |
| Retained earnings to average equity (ytd only) | 13.9445% | 131 |
| Net charge-offs to loans | 0.3996% | 662 |
| Credit loss provision to net charge-offs | 120.6897% | 2,198 |
| Earnings coverage of net charge-offs (x) | 8.2263% | 2,898 |
| Efficiency ratio | 51.4562% | 5,414 |
| Assets per employee ($millions) | 5.4493% | 1,907 |
| Cash dividends to net income (ytd only)* | 11.6877% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,743 |
| Loan loss allowance to noncurrent loans | 95.3333% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 2,528 |
| Noncurrent loans to loans | 0.9555% | 2,175 |
| Net loans and leases to total assets | 76.1222% | 1,496 |
| Net loans and leases to deposits | 84.6701% | 2,341 |
| Net loans and leases to core deposits | 90.4336% | 2,466 |
| Total domestic deposits to total assets | 89.9045% | 677 |
| Equity capital to assets | 8.7113% | 5,094 |
| Core capital (leverage) ratio | 8.9689% | 4,771 |
| Tier 1 risk-based capital ratio | 10.7883% | 5,438 |
| Total risk-based capital ratio | 11.6368% | 5,563 |
| Memoranda: | ||
| Average total assets | $158,560,800 | 3,413 |
| Average earning assets | $145,096,400 | 3,432 |
| Average equity | $13,546,600 | 4,016 |
| Average total loans | $116,110,600 | 3,127 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 923 |
| Cost of funding earning assets | 0.5490% | 1,700 |
| Net interest margin | 4.2407% | 1,044 |
| Noninterest income to average assets | 1.1237% | 910 |
| Noninterest expense to average assets | 2.4771% | 4,057 |
| Loan and lease loss provision to assets | 0.3644% | 426 |
| Net operating income to assets | 1.3117% | 1,258 |
| Return on assets (ROA) | 1.3627% | 1,218 |
| Pretax return on assets | 2.2500% | 344 |
| Return on Equity (ROE) | 16.0319% | 539 |
| Retained earnings to average equity (ytd only) | 13.5394% | 194 |
| Net charge-offs to loans | 0.3423% | 671 |
| Credit loss provision to net charge-offs | 147.2603% | 1,794 |
| Earnings coverage of net charge-offs (x) | 10.2432% | 2,594 |
| Efficiency ratio | 49.4251% | 5,535 |
| Assets per employee ($millions) | 5.6881% | 1,677 |
| Cash dividends to net income (ytd only)* | 15.5475% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,653 |
| Loan loss allowance to noncurrent loans | 221.6822% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,756 |
| Noncurrent loans to loans | 0.4293% | 3,747 |
| Net loans and leases to total assets | 74.8233% | 1,733 |
| Net loans and leases to deposits | 84.3919% | 2,444 |
| Net loans and leases to core deposits | 92.5183% | 2,330 |
| Total domestic deposits to total assets | 88.6617% | 1,070 |
| Equity capital to assets | 8.5751% | 5,492 |
| Core capital (leverage) ratio | 8.6040% | 5,255 |
| Tier 1 risk-based capital ratio | 10.1563% | 5,743 |
| Total risk-based capital ratio | 11.0158% | 5,823 |
| Memoranda: | ||
| Average total assets | $157,331,500 | 3,439 |
| Average earning assets | $144,250,000 | 3,461 |
| Average equity | $13,373,000 | 4,073 |
| Average total loans | $113,741,500 | 3,167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 987 |
| Cost of funding earning assets | 0.5400% | 1,780 |
| Net interest margin | 4.1891% | 1,142 |
| Noninterest income to average assets | 1.1486% | 846 |
| Noninterest expense to average assets | 2.5790% | 3,793 |
| Loan and lease loss provision to assets | 0.3747% | 415 |
| Net operating income to assets | 1.2694% | 1,359 |
| Return on assets (ROA) | 1.3347% | 1,277 |
| Pretax return on assets | 2.1461% | 422 |
| Return on Equity (ROE) | 15.7521% | 567 |
| Retained earnings to average equity (ytd only) | 11.9399% | 336 |
| Net charge-offs to loans | 0.4341% | 520 |
| Credit loss provision to net charge-offs | 121.3389% | 1,845 |
| Earnings coverage of net charge-offs (x) | 7.8326% | 2,591 |
| Efficiency ratio | 51.6029% | 5,468 |
| Assets per employee ($millions) | 5.3781% | 1,908 |
| Cash dividends to net income (ytd only)* | 24.2014% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,740 |
| Loan loss allowance to noncurrent loans | 230.8824% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 3,488 |
| Noncurrent loans to loans | 0.4134% | 3,876 |
| Net loans and leases to total assets | 70.6915% | 2,370 |
| Net loans and leases to deposits | 82.3306% | 2,669 |
| Net loans and leases to core deposits | 89.6518% | 2,569 |
| Total domestic deposits to total assets | 85.8629% | 2,483 |
| Equity capital to assets | 8.4646% | 5,618 |
| Core capital (leverage) ratio | 8.5260% | 5,344 |
| Tier 1 risk-based capital ratio | 10.7088% | 5,576 |
| Total risk-based capital ratio | 11.5845% | 5,659 |
| Memoranda: | ||
| Average total assets | $154,790,670 | 3,487 |
| Average earning assets | $142,227,330 | 3,508 |
| Average equity | $13,115,670 | 4,139 |
| Average total loans | $110,118,670 | 3,232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 982 |
| Cost of funding earning assets | 0.5459% | 1,747 |
| Net interest margin | 4.1900% | 1,119 |
| Noninterest income to average assets | 1.4098% | 561 |
| Noninterest expense to average assets | 2.6796% | 3,497 |
| Loan and lease loss provision to assets | 0.5174% | 232 |
| Net operating income to assets | 1.3649% | 1,106 |
| Return on assets (ROA) | 1.3649% | 1,168 |
| Pretax return on assets | 2.0830% | 485 |
| Return on Equity (ROE) | 16.0996% | 526 |
| Retained earnings to average equity (ytd only) | 8.3145% | 1,338 |
| Net charge-offs to loans | 0.2862% | 738 |
| Credit loss provision to net charge-offs | 254.5455% | 934 |
| Earnings coverage of net charge-offs (x) | 12.7922% | 1,771 |
| Efficiency ratio | 50.7500% | 5,582 |
| Assets per employee ($millions) | 5.1259% | 2,208 |
| Cash dividends to net income (ytd only)* | 48.3559% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 4,186 |
| Loan loss allowance to noncurrent loans | 134.1379% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 3,005 |
| Noncurrent loans to loans | 0.8029% | 2,829 |
| Net loans and leases to total assets | 69.7011% | 2,391 |
| Net loans and leases to deposits | 76.5028% | 3,162 |
| Net loans and leases to core deposits | 81.3252% | 3,196 |
| Total domestic deposits to total assets | 91.1093% | 241 |
| Equity capital to assets | 8.4759% | 5,584 |
| Core capital (leverage) ratio | 8.4306% | 5,456 |
| Tier 1 risk-based capital ratio | 10.8376% | 5,584 |
| Total risk-based capital ratio | 11.8205% | 5,628 |
| Memoranda: | ||
| Average total assets | $151,515,000 | 3,565 |
| Average earning assets | $139,952,000 | 3,562 |
| Average equity | $12,845,000 | 4,187 |
| Average total loans | $107,601,000 | 3,286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,153 |
| Cost of funding earning assets | 0.5463% | 1,800 |
| Net interest margin | 4.1326% | 1,333 |
| Noninterest income to average assets | 0.9196% | 1,379 |
| Noninterest expense to average assets | 2.6147% | 3,867 |
| Loan and lease loss provision to assets | 0.3126% | 533 |
| Net operating income to assets | 1.2270% | 1,460 |
| Return on assets (ROA) | 1.2266% | 1,525 |
| Pretax return on assets | 1.7914% | 820 |
| Return on Equity (ROE) | 14.6236% | 744 |
| Retained earnings to average equity (ytd only) | 12.5297% | 228 |
| Net charge-offs to loans | 0.5451% | 466 |
| Credit loss provision to net charge-offs | 82.2551% | 2,909 |
| Earnings coverage of net charge-offs (x) | 5.5379% | 3,372 |
| Efficiency ratio | 55.4034% | 5,401 |
| Assets per employee ($millions) | 4.9751% | 2,397 |
| Cash dividends to net income (ytd only)* | 14.3184% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,714 |
| Loan loss allowance to noncurrent loans | 109.8532% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 3,137 |
| Noncurrent loans to loans | 0.8928% | 2,562 |
| Net loans and leases to total assets | 70.8882% | 2,219 |
| Net loans and leases to deposits | 77.6745% | 3,087 |
| Net loans and leases to core deposits | 82.3952% | 3,101 |
| Total domestic deposits to total assets | 91.2631% | 222 |
| Equity capital to assets | 8.4796% | 5,579 |
| Core capital (leverage) ratio | 8.7070% | 5,205 |
| Tier 1 risk-based capital ratio | 10.7826% | 5,635 |
| Total risk-based capital ratio | 11.6755% | 5,732 |
| Memoranda: | ||
| Average total assets | $142,348,600 | 3,687 |
| Average earning assets | $130,885,400 | 3,684 |
| Average equity | $11,939,600 | 4,319 |
| Average total loans | $99,250,200 | 3,397 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 1,282 |
| Cost of funding earning assets | 0.5522% | 1,784 |
| Net interest margin | 4.0694% | 1,492 |
| Noninterest income to average assets | 0.9965% | 1,191 |
| Noninterest expense to average assets | 2.4860% | 4,239 |
| Loan and lease loss provision to assets | 0.3224% | 433 |
| Net operating income to assets | 1.3034% | 1,335 |
| Return on assets (ROA) | 1.3027% | 1,389 |
| Pretax return on assets | 1.9257% | 690 |
| Return on Equity (ROE) | 15.5771% | 654 |
| Retained earnings to average equity (ytd only) | 12.7429% | 301 |
| Net charge-offs to loans | 0.6725% | 320 |
| Credit loss provision to net charge-offs | 69.2464% | 2,783 |
| Earnings coverage of net charge-offs (x) | 4.8310% | 3,292 |
| Efficiency ratio | 52.5030% | 5,617 |
| Assets per employee ($millions) | 5.0146% | 2,282 |
| Cash dividends to net income (ytd only)* | 18.1954% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 4,952 |
| Loan loss allowance to noncurrent loans | 128.4605% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 2,850 |
| Noncurrent loans to loans | 0.7446% | 3,100 |
| Net loans and leases to total assets | 70.7084% | 2,282 |
| Net loans and leases to deposits | 79.7795% | 2,907 |
| Net loans and leases to core deposits | 82.2267% | 3,229 |
| Total domestic deposits to total assets | 88.6298% | 1,221 |
| Equity capital to assets | 8.5330% | 5,694 |
| Core capital (leverage) ratio | 8.4819% | 5,564 |
| Tier 1 risk-based capital ratio | 10.5196% | 5,874 |
| Total risk-based capital ratio | 11.3696% | 5,951 |
| Memoranda: | ||
| Average total assets | $140,622,750 | 3,749 |
| Average earning assets | $129,189,250 | 3,750 |
| Average equity | $11,760,500 | 4,396 |
| Average total loans | $97,350,250 | 3,461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,410 |
| Cost of funding earning assets | 0.5490% | 1,828 |
| Net interest margin | 3.9978% | 1,641 |
| Noninterest income to average assets | 0.9869% | 1,207 |
| Noninterest expense to average assets | 2.4644% | 4,352 |
| Loan and lease loss provision to assets | 0.3165% | 455 |
| Net operating income to assets | 1.4170% | 1,053 |
| Return on assets (ROA) | 1.4170% | 1,089 |
| Pretax return on assets | 1.8832% | 757 |
| Return on Equity (ROE) | 17.0647% | 477 |
| Retained earnings to average equity (ytd only) | 12.7335% | 330 |
| Net charge-offs to loans | 0.5315% | 462 |
| Credit loss provision to net charge-offs | 86.9565% | 2,245 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 2,835 |
| Efficiency ratio | 52.8378% | 5,661 |
| Assets per employee ($millions) | 5.6555% | 1,613 |
| Cash dividends to net income (ytd only)* | 25.3807% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 4,224 |
| Loan loss allowance to noncurrent loans | 129.3364% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 2,885 |
| Noncurrent loans to loans | 0.8664% | 2,961 |
| Net loans and leases to total assets | 66.6721% | 2,841 |
| Net loans and leases to deposits | 74.3655% | 3,450 |
| Net loans and leases to core deposits | 76.1557% | 3,752 |
| Total domestic deposits to total assets | 89.6547% | 813 |
| Equity capital to assets | 8.0922% | 5,936 |
| Core capital (leverage) ratio | 8.5307% | 5,504 |
| Tier 1 risk-based capital ratio | 10.5213% | 5,915 |
| Total risk-based capital ratio | 11.5034% | 5,955 |
| Memoranda: | ||
| Average total assets | $139,022,330 | 3,797 |
| Average earning assets | $127,869,000 | 3,804 |
| Average equity | $11,544,330 | 4,462 |
| Average total loans | $95,193,670 | 3,532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,232 |
| Cost of funding earning assets | 0.5611% | 1,742 |
| Net interest margin | 4.0342% | 1,457 |
| Noninterest income to average assets | 1.1525% | 861 |
| Noninterest expense to average assets | 2.6249% | 3,846 |
| Loan and lease loss provision to assets | 0.2666% | 596 |
| Net operating income to assets | 1.7243% | 560 |
| Return on assets (ROA) | 1.7243% | 591 |
| Pretax return on assets | 1.9672% | 620 |
| Return on Equity (ROE) | 20.4803% | 250 |
| Retained earnings to average equity (ytd only) | 11.6829% | 613 |
| Net charge-offs to loans | 0.0515% | 2,264 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 62.8333% | 710 |
| Efficiency ratio | 54.0244% | 5,678 |
| Assets per employee ($millions) | 5.2549% | 2,050 |
| Cash dividends to net income (ytd only)* | 42.9553% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,466 |
| Loan loss allowance to noncurrent loans | 161.0013% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 3,451 |
| Noncurrent loans to loans | 0.8001% | 3,242 |
| Net loans and leases to total assets | 68.5384% | 2,362 |
| Net loans and leases to deposits | 75.2810% | 3,139 |
| Net loans and leases to core deposits | 78.4929% | 3,328 |
| Total domestic deposits to total assets | 91.0435% | 350 |
| Equity capital to assets | 8.4786% | 5,757 |
| Core capital (leverage) ratio | 8.4565% | 5,566 |
| Tier 1 risk-based capital ratio | 10.9078% | 5,846 |
| Total risk-based capital ratio | 12.0669% | 5,813 |
| Memoranda: | ||
| Average total assets | $135,012,500 | 3,905 |
| Average earning assets | $124,038,000 | 3,905 |
| Average equity | $11,367,000 | 4,529 |
| Average total loans | $93,217,000 | 3,589 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 1,587 |
| Cost of funding earning assets | 0.6902% | 1,149 |
| Net interest margin | 3.9009% | 2,238 |
| Noninterest income to average assets | 1.0415% | 1,130 |
| Noninterest expense to average assets | 2.8581% | 3,268 |
| Loan and lease loss provision to assets | 0.1915% | 1,339 |
| Net operating income to assets | 1.1594% | 1,724 |
| Return on assets (ROA) | 1.2055% | 1,626 |
| Pretax return on assets | 1.6651% | 1,059 |
| Return on Equity (ROE) | 13.9009% | 950 |
| Retained earnings to average equity (ytd only) | 11.5009% | 335 |
| Net charge-offs to loans | 0.4830% | 861 |
| Credit loss provision to net charge-offs | 57.6441% | 3,333 |
| Earnings coverage of net charge-offs (x) | 5.3960% | 3,427 |
| Efficiency ratio | 61.4572% | 4,997 |
| Assets per employee ($millions) | 4.9407% | 2,398 |
| Cash dividends to net income (ytd only)* | 17.2652% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 3,724 |
| Loan loss allowance to noncurrent loans | 137.8313% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 3,333 |
| Noncurrent loans to loans | 0.9064% | 3,048 |
| Net loans and leases to total assets | 67.7866% | 2,590 |
| Net loans and leases to deposits | 74.2743% | 3,403 |
| Net loans and leases to core deposits | 79.4779% | 3,352 |
| Total domestic deposits to total assets | 91.2652% | 280 |
| Equity capital to assets | 8.3584% | 5,856 |
| Core capital (leverage) ratio | 8.7482% | 5,296 |
| Tier 1 risk-based capital ratio | 11.3683% | 5,732 |
| Total risk-based capital ratio | 12.4272% | 5,766 |
| Memoranda: | ||
| Average total assets | $120,113,600 | 4,175 |
| Average earning assets | $111,128,600 | 4,159 |
| Average equity | $10,416,600 | 4,673 |
| Average total loans | $82,615,800 | 3,803 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,615 |
| Cost of funding earning assets | 0.7092% | 1,112 |
| Net interest margin | 3.8709% | 2,350 |
| Noninterest income to average assets | 1.0229% | 1,178 |
| Noninterest expense to average assets | 2.8757% | 3,212 |
| Loan and lease loss provision to assets | 0.1769% | 1,390 |
| Net operating income to assets | 1.0897% | 2,074 |
| Return on assets (ROA) | 1.0857% | 2,160 |
| Pretax return on assets | 1.5537% | 1,471 |
| Return on Equity (ROE) | 12.3907% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.1334% | 945 |
| Net charge-offs to loans | 0.4462% | 884 |
| Credit loss provision to net charge-offs | 57.6208% | 2,985 |
| Earnings coverage of net charge-offs (x) | 5.6542% | 3,221 |
| Efficiency ratio | 62.3515% | 4,837 |
| Assets per employee ($millions) | 4.6484% | 2,738 |
| Cash dividends to net income (ytd only)* | 26.2885% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 3,029 |
| Loan loss allowance to noncurrent loans | 164.0219% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 3,665 |
| Noncurrent loans to loans | 0.8723% | 3,385 |
| Net loans and leases to total assets | 65.8125% | 2,900 |
| Net loans and leases to deposits | 72.2167% | 3,668 |
| Net loans and leases to core deposits | 76.8258% | 3,652 |
| Total domestic deposits to total assets | 91.1320% | 328 |
| Equity capital to assets | 8.5269% | 5,779 |
| Core capital (leverage) ratio | 8.9145% | 5,176 |
| Tier 1 risk-based capital ratio | 11.2957% | 5,878 |
| Total risk-based capital ratio | 12.5463% | 5,821 |
| Memoranda: | ||
| Average total assets | $116,792,500 | 4,284 |
| Average earning assets | $108,293,000 | 4,259 |
| Average equity | $10,233,250 | 4,739 |
| Average total loans | $80,377,250 | 3,889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,583 |
| Cost of funding earning assets | 0.7248% | 1,051 |
| Net interest margin | 3.8563% | 2,356 |
| Noninterest income to average assets | 0.9343% | 1,384 |
| Noninterest expense to average assets | 2.8888% | 3,202 |
| Loan and lease loss provision to assets | 0.2722% | 761 |
| Net operating income to assets | 1.0291% | 2,206 |
| Return on assets (ROA) | 1.0291% | 2,269 |
| Pretax return on assets | 1.3610% | 2,033 |
| Return on Equity (ROE) | 11.6304% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.6687% | 1,942 |
| Net charge-offs to loans | 0.1514% | 2,178 |
| Credit loss provision to net charge-offs | 258.3333% | 970 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,843 |
| Efficiency ratio | 63.8835% | 4,703 |
| Assets per employee ($millions) | 4.2671% | 3,339 |
| Cash dividends to net income (ytd only)* | 42.6621% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 2,088 |
| Loan loss allowance to noncurrent loans | 186.5154% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 3,875 |
| Noncurrent loans to loans | 0.9186% | 3,427 |
| Net loans and leases to total assets | 69.5628% | 2,146 |
| Net loans and leases to deposits | 76.6848% | 2,966 |
| Net loans and leases to core deposits | 81.5300% | 3,028 |
| Total domestic deposits to total assets | 90.7127% | 502 |
| Equity capital to assets | 8.9991% | 5,302 |
| Core capital (leverage) ratio | 8.8495% | 5,228 |
| Tier 1 risk-based capital ratio | 10.3731% | 6,291 |
| Total risk-based capital ratio | 11.4352% | 6,300 |
| Memoranda: | ||
| Average total assets | $113,887,330 | 4,366 |
| Average earning assets | $105,957,670 | 4,325 |
| Average equity | $10,077,000 | 4,783 |
| Average total loans | $79,236,670 | 3,928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,917 |
| Cost of funding earning assets | 0.7461% | 987 |
| Net interest margin | 3.7193% | 2,791 |
| Noninterest income to average assets | 0.8585% | 1,526 |
| Noninterest expense to average assets | 3.0947% | 2,552 |
| Loan and lease loss provision to assets | 0.5476% | 253 |
| Net operating income to assets | 0.7454% | 3,450 |
| Return on assets (ROA) | 0.7454% | 3,533 |
| Pretax return on assets | 0.6677% | 4,606 |
| Return on Equity (ROE) | 8.4982% | 2,687 |
| Retained earnings to average equity (ytd only) | -1.5708% | 5,807 |
| Net charge-offs to loans | 0.2971% | 1,174 |
| Credit loss provision to net charge-offs | 267.2414% | 858 |
| Earnings coverage of net charge-offs (x) | 5.9310% | 2,310 |
| Efficiency ratio | 71.6393% | 3,551 |
| Assets per employee ($millions) | 4.3470% | 3,255 |
| Cash dividends to net income (ytd only)* | 118.4834% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 2,028 |
| Loan loss allowance to noncurrent loans | 192.0981% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 4,091 |
| Noncurrent loans to loans | 0.9388% | 3,543 |
| Net loans and leases to total assets | 65.4105% | 2,651 |
| Net loans and leases to deposits | 71.7338% | 3,373 |
| Net loans and leases to core deposits | 77.7869% | 3,226 |
| Total domestic deposits to total assets | 91.1850% | 490 |
| Equity capital to assets | 8.4427% | 5,702 |
| Core capital (leverage) ratio | 8.7238% | 5,354 |
| Tier 1 risk-based capital ratio | 10.6142% | 6,301 |
| Total risk-based capital ratio | 11.8675% | 6,268 |
| Memoranda: | ||
| Average total assets | $113,225,500 | 4,425 |
| Average earning assets | $105,073,500 | 4,384 |
| Average equity | $9,931,500 | 4,829 |
| Average total loans | $78,084,500 | 3,992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 634 |
| Cost of funding earning assets | 0.7430% | 1,545 |
| Net interest margin | 4.4602% | 802 |
| Noninterest income to average assets | 1.2717% | 853 |
| Noninterest expense to average assets | 3.1113% | 2,697 |
| Loan and lease loss provision to assets | 0.3699% | 843 |
| Net operating income to assets | 1.2253% | 1,470 |
| Return on assets (ROA) | 1.2387% | 1,487 |
| Pretax return on assets | 1.9346% | 561 |
| Return on Equity (ROE) | 13.0589% | 1,156 |
| Retained earnings to average equity (ytd only) | 10.4239% | 497 |
| Net charge-offs to loans | 0.2518% | 2,461 |
| Credit loss provision to net charge-offs | 197.8610% | 1,159 |
| Earnings coverage of net charge-offs (x) | 12.2139% | 2,150 |
| Efficiency ratio | 57.6723% | 5,772 |
| Assets per employee ($millions) | 3.8958% | 4,074 |
| Cash dividends to net income (ytd only)* | 20.1776% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 2,454 |
| Loan loss allowance to noncurrent loans | 154.2891% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 3,510 |
| Noncurrent loans to loans | 1.0912% | 3,352 |
| Net loans and leases to total assets | 70.2905% | 1,967 |
| Net loans and leases to deposits | 77.6086% | 2,778 |
| Net loans and leases to core deposits | 84.7519% | 2,583 |
| Total domestic deposits to total assets | 90.5705% | 774 |
| Equity capital to assets | 9.1252% | 4,899 |
| Core capital (leverage) ratio | 9.5599% | 4,175 |
| Tier 1 risk-based capital ratio | 10.6222% | 6,327 |
| Total risk-based capital ratio | 11.6406% | 6,356 |
| Memoranda: | ||
| Average total assets | $100,021,200 | 4,739 |
| Average earning assets | $92,462,600 | 4,711 |
| Average equity | $9,487,800 | 4,981 |
| Average total loans | $74,269,400 | 4,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 519 |
| Cost of funding earning assets | 0.7477% | 1,618 |
| Net interest margin | 4.5643% | 660 |
| Noninterest income to average assets | 1.3544% | 793 |
| Noninterest expense to average assets | 3.0974% | 2,658 |
| Loan and lease loss provision to assets | 0.3478% | 927 |
| Net operating income to assets | 1.4522% | 980 |
| Return on assets (ROA) | 1.4717% | 997 |
| Pretax return on assets | 2.1591% | 428 |
| Return on Equity (ROE) | 15.3515% | 741 |
| Retained earnings to average equity (ytd only) | 11.7947% | 451 |
| Net charge-offs to loans | 0.1891% | 2,711 |
| Credit loss provision to net charge-offs | 245.1923% | 1,008 |
| Earnings coverage of net charge-offs (x) | 17.4716% | 1,731 |
| Efficiency ratio | 55.5528% | 5,966 |
| Assets per employee ($millions) | 3.8870% | 4,056 |
| Cash dividends to net income (ytd only)* | 23.1700% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 2,798 |
| Loan loss allowance to noncurrent loans | 266.3202% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 4,625 |
| Noncurrent loans to loans | 0.6195% | 4,656 |
| Net loans and leases to total assets | 75.5598% | 1,058 |
| Net loans and leases to deposits | 85.1097% | 1,732 |
| Net loans and leases to core deposits | 93.3990% | 1,634 |
| Total domestic deposits to total assets | 88.7793% | 1,676 |
| Equity capital to assets | 9.7256% | 4,277 |
| Core capital (leverage) ratio | 9.8613% | 3,876 |
| Tier 1 risk-based capital ratio | 11.1676% | 6,209 |
| Total risk-based capital ratio | 12.2193% | 6,260 |
| Memoranda: | ||
| Average total assets | $97,755,750 | 4,839 |
| Average earning assets | $90,409,000 | 4,796 |
| Average equity | $9,371,250 | 5,063 |
| Average total loans | $73,339,750 | 4,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3060% | 520 |
| Cost of funding earning assets | 0.7190% | 1,926 |
| Net interest margin | 4.5870% | 609 |
| Noninterest income to average assets | 1.0946% | 1,272 |
| Noninterest expense to average assets | 3.1370% | 2,563 |
| Loan and lease loss provision to assets | 0.2814% | 1,300 |
| Net operating income to assets | 1.3077% | 1,306 |
| Return on assets (ROA) | 1.3119% | 1,377 |
| Pretax return on assets | 1.9203% | 720 |
| Return on Equity (ROE) | 13.7547% | 1,059 |
| Retained earnings to average equity (ytd only) | 8.3309% | 1,354 |
| Net charge-offs to loans | 0.2086% | 2,509 |
| Credit loss provision to net charge-offs | 181.3333% | 1,308 |
| Earnings coverage of net charge-offs (x) | 14.1467% | 1,846 |
| Efficiency ratio | 58.8281% | 5,621 |
| Assets per employee ($millions) | 4.1517% | 3,465 |
| Cash dividends to net income (ytd only)* | 39.4322% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 3,187 |
| Loan loss allowance to noncurrent loans | 264.0798% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 4,179 |
| Noncurrent loans to loans | 0.6022% | 4,750 |
| Net loans and leases to total assets | 73.9675% | 1,254 |
| Net loans and leases to deposits | 86.4286% | 1,531 |
| Net loans and leases to core deposits | 94.4595% | 1,482 |
| Total domestic deposits to total assets | 85.5822% | 3,591 |
| Equity capital to assets | 9.3315% | 4,810 |
| Core capital (leverage) ratio | 9.3584% | 4,458 |
| Tier 1 risk-based capital ratio | 11.0509% | 6,308 |
| Total risk-based capital ratio | 12.0621% | 6,379 |
| Memoranda: | ||
| Average total assets | $96,653,330 | 4,898 |
| Average earning assets | $89,295,670 | 4,863 |
| Average equity | $9,218,670 | 5,122 |
| Average total loans | $71,905,000 | 4,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 505 |
| Cost of funding earning assets | 0.7278% | 2,004 |
| Net interest margin | 4.5849% | 574 |
| Noninterest income to average assets | 0.8407% | 1,959 |
| Noninterest expense to average assets | 3.2157% | 2,306 |
| Loan and lease loss provision to assets | 0.2522% | 1,420 |
| Net operating income to assets | 1.3222% | 1,223 |
| Return on assets (ROA) | 1.3325% | 1,298 |
| Pretax return on assets | 1.6225% | 1,252 |
| Return on Equity (ROE) | 13.8141% | 995 |
| Retained earnings to average equity (ytd only) | 2.9197% | 4,531 |
| Net charge-offs to loans | 0.0170% | 3,817 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 147.6667% | 270 |
| Efficiency ratio | 63.3278% | 5,112 |
| Assets per employee ($millions) | 3.9078% | 4,145 |
| Cash dividends to net income (ytd only)* | 78.8644% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 3,218 |
| Loan loss allowance to noncurrent loans | 251.4831% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 4,849 |
| Noncurrent loans to loans | 0.6539% | 4,815 |
| Net loans and leases to total assets | 72.6652% | 1,252 |
| Net loans and leases to deposits | 87.6356% | 1,183 |
| Net loans and leases to core deposits | 97.5084% | 1,117 |
| Total domestic deposits to total assets | 82.9174% | 4,879 |
| Equity capital to assets | 9.4139% | 4,982 |
| Core capital (leverage) ratio | 9.4431% | 4,177 |
| Tier 1 risk-based capital ratio | 11.0912% | 6,364 |
| Total risk-based capital ratio | 12.2054% | 6,393 |
| Memoranda: | ||
| Average total assets | $95,159,500 | 4,973 |
| Average earning assets | $87,941,500 | 4,936 |
| Average equity | $9,179,000 | 5,189 |
| Average total loans | $70,411,000 | 4,332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 1,588 |
| Cost of funding earning assets | 0.7114% | 3,399 |
| Net interest margin | 4.2773% | 1,452 |
| Noninterest income to average assets | 1.1816% | 1,122 |
| Noninterest expense to average assets | 2.7242% | 4,309 |
| Loan and lease loss provision to assets | 0.4831% | 1,265 |
| Net operating income to assets | 1.3423% | 1,211 |
| Return on assets (ROA) | 1.4131% | 1,192 |
| Pretax return on assets | 2.0808% | 511 |
| Return on Equity (ROE) | 15.3398% | 755 |
| Retained earnings to average equity (ytd only) | 12.4585% | 291 |
| Net charge-offs to loans | 0.4411% | 2,470 |
| Credit loss provision to net charge-offs | 163.6691% | 1,644 |
| Earnings coverage of net charge-offs (x) | 8.3345% | 2,427 |
| Efficiency ratio | 52.5497% | 6,414 |
| Assets per employee ($millions) | 3.8593% | 4,252 |
| Cash dividends to net income (ytd only)* | 18.7829% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,129 |
| Loan loss allowance to noncurrent loans | 167.6558% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 3,949 |
| Noncurrent loans to loans | 0.9819% | 4,230 |
| Net loans and leases to total assets | 72.8912% | 1,354 |
| Net loans and leases to deposits | 88.5255% | 1,215 |
| Net loans and leases to core deposits | 97.2208% | 1,206 |
| Total domestic deposits to total assets | 82.3392% | 4,984 |
| Equity capital to assets | 9.8906% | 4,327 |
| Core capital (leverage) ratio | 9.5796% | 3,997 |
| Tier 1 risk-based capital ratio | 11.6311% | 6,015 |
| Total risk-based capital ratio | 12.6645% | 6,126 |
| Memoranda: | ||
| Average total assets | $94,192,600 | 4,981 |
| Average earning assets | $88,140,000 | 4,914 |
| Average equity | $8,676,800 | 5,312 |
| Average total loans | $63,029,200 | 4,598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8807% | 2,081 |
| Cost of funding earning assets | 0.7159% | 3,625 |
| Net interest margin | 4.1648% | 1,848 |
| Noninterest income to average assets | 1.1404% | 1,169 |
| Noninterest expense to average assets | 2.4922% | 5,113 |
| Loan and lease loss provision to assets | 0.5286% | 1,126 |
| Net operating income to assets | 1.4871% | 1,039 |
| Return on assets (ROA) | 1.5746% | 1,003 |
| Pretax return on assets | 2.1511% | 525 |
| Return on Equity (ROE) | 17.4070% | 563 |
| Retained earnings to average equity (ytd only) | 13.5110% | 348 |
| Net charge-offs to loans | 0.3094% | 2,896 |
| Credit loss provision to net charge-offs | 262.2378% | 1,053 |
| Earnings coverage of net charge-offs (x) | 12.6994% | 1,982 |
| Efficiency ratio | 49.3304% | 6,638 |
| Assets per employee ($millions) | 3.8139% | 4,269 |
| Cash dividends to net income (ytd only)* | 22.3817% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 2,889 |
| Loan loss allowance to noncurrent loans | 187.2038% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 4,397 |
| Noncurrent loans to loans | 0.9468% | 4,547 |
| Net loans and leases to total assets | 68.8793% | 2,139 |
| Net loans and leases to deposits | 86.1718% | 1,585 |
| Net loans and leases to core deposits | 94.8389% | 1,504 |
| Total domestic deposits to total assets | 79.9325% | 5,675 |
| Equity capital to assets | 9.4192% | 5,306 |
| Core capital (leverage) ratio | 9.2847% | 4,611 |
| Tier 1 risk-based capital ratio | 11.4846% | 6,236 |
| Total risk-based capital ratio | 12.7330% | 6,206 |
| Memoranda: | ||
| Average total assets | $94,585,000 | 5,024 |
| Average earning assets | $88,837,000 | 4,944 |
| Average equity | $8,555,750 | 5,398 |
| Average total loans | $61,625,500 | 4,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 2,532 |
| Cost of funding earning assets | 0.7358% | 3,716 |
| Net interest margin | 4.0592% | 2,250 |
| Noninterest income to average assets | 1.1619% | 1,052 |
| Noninterest expense to average assets | 2.2919% | 5,765 |
| Loan and lease loss provision to assets | 0.6043% | 982 |
| Net operating income to assets | 1.6534% | 744 |
| Return on assets (ROA) | 1.7958% | 638 |
| Pretax return on assets | 2.2707% | 437 |
| Return on Equity (ROE) | 20.1331% | 351 |
| Retained earnings to average equity (ytd only) | 14.1906% | 334 |
| Net charge-offs to loans | 0.4275% | 2,329 |
| Credit loss provision to net charge-offs | 222.6563% | 1,276 |
| Earnings coverage of net charge-offs (x) | 9.9297% | 2,118 |
| Efficiency ratio | 45.9609% | 6,885 |
| Assets per employee ($millions) | 4.2128% | 3,431 |
| Cash dividends to net income (ytd only)* | 29.5159% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,963 |
| Loan loss allowance to noncurrent loans | 212.6437% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 4,681 |
| Noncurrent loans to loans | 0.8307% | 4,856 |
| Net loans and leases to total assets | 66.5987% | 2,549 |
| Net loans and leases to deposits | 73.7191% | 3,338 |
| Net loans and leases to core deposits | 79.5251% | 3,287 |
| Total domestic deposits to total assets | 90.3412% | 741 |
| Equity capital to assets | 9.3891% | 5,205 |
| Core capital (leverage) ratio | 9.1018% | 4,762 |
| Tier 1 risk-based capital ratio | 12.7056% | 5,413 |
| Total risk-based capital ratio | 13.9602% | 5,381 |
| Memoranda: | ||
| Average total assets | $94,330,670 | 5,061 |
| Average earning assets | $88,884,670 | 4,968 |
| Average equity | $8,414,000 | 5,443 |
| Average total loans | $59,880,670 | 4,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 3,185 |
| Cost of funding earning assets | 0.7392% | 3,953 |
| Net interest margin | 3.9273% | 2,813 |
| Noninterest income to average assets | 1.0803% | 1,233 |
| Noninterest expense to average assets | 2.2111% | 6,013 |
| Loan and lease loss provision to assets | 0.5465% | 1,081 |
| Net operating income to assets | 1.9505% | 462 |
| Return on assets (ROA) | 1.9505% | 528 |
| Pretax return on assets | 2.0304% | 699 |
| Return on Equity (ROE) | 22.4426% | 262 |
| Retained earnings to average equity (ytd only) | 10.3507% | 1,185 |
| Net charge-offs to loans | 1.0616% | 971 |
| Credit loss provision to net charge-offs | 83.8710% | 2,666 |
| Earnings coverage of net charge-offs (x) | 3.9548% | 2,707 |
| Efficiency ratio | 46.1809% | 6,890 |
| Assets per employee ($millions) | 4.9900% | 2,267 |
| Cash dividends to net income (ytd only)* | 53.8793% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,875 |
| Loan loss allowance to noncurrent loans | 133.5252% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 4,485 |
| Noncurrent loans to loans | 1.1710% | 4,374 |
| Net loans and leases to total assets | 61.6201% | 3,335 |
| Net loans and leases to deposits | 67.9136% | 4,076 |
| Net loans and leases to core deposits | 71.3386% | 4,249 |
| Total domestic deposits to total assets | 90.7330% | 671 |
| Equity capital to assets | 8.8176% | 5,733 |
| Core capital (leverage) ratio | 8.7690% | 5,170 |
| Tier 1 risk-based capital ratio | 13.7467% | 4,643 |
| Total risk-based capital ratio | 15.0004% | 4,631 |
| Memoranda: | ||
| Average total assets | $95,155,000 | 5,058 |
| Average earning assets | $89,832,000 | 4,974 |
| Average equity | $8,270,000 | 5,508 |
| Average total loans | $58,403,500 | 4,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 2,918 |
| Cost of funding earning assets | 0.8635% | 4,367 |
| Net interest margin | 4.1275% | 2,319 |
| Noninterest income to average assets | 0.9251% | 1,587 |
| Noninterest expense to average assets | 2.4286% | 5,700 |
| Loan and lease loss provision to assets | 0.5152% | 2,041 |
| Net operating income to assets | 1.2582% | 1,357 |
| Return on assets (ROA) | 1.2730% | 1,415 |
| Pretax return on assets | 1.9012% | 661 |
| Return on Equity (ROE) | 15.2488% | 705 |
| Retained earnings to average equity (ytd only) | 11.9310% | 309 |
| Net charge-offs to loans | 0.6250% | 2,587 |
| Credit loss provision to net charge-offs | 128.0992% | 2,421 |
| Earnings coverage of net charge-offs (x) | 5.9532% | 2,634 |
| Efficiency ratio | 50.3561% | 6,809 |
| Assets per employee ($millions) | 5.3056% | 1,826 |
| Cash dividends to net income (ytd only)* | 21.7581% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 3,339 |
| Loan loss allowance to noncurrent loans | 136.5330% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,751 |
| Noncurrent loans to loans | 1.2148% | 4,336 |
| Net loans and leases to total assets | 59.1665% | 4,162 |
| Net loans and leases to deposits | 75.0954% | 3,330 |
| Net loans and leases to core deposits | 79.4544% | 3,514 |
| Total domestic deposits to total assets | 78.7885% | 6,039 |
| Equity capital to assets | 8.5654% | 6,057 |
| Core capital (leverage) ratio | 8.6076% | 5,383 |
| Tier 1 risk-based capital ratio | 13.3300% | 4,819 |
| Total risk-based capital ratio | 14.5094% | 4,848 |
| Memoranda: | ||
| Average total assets | $90,258,000 | 5,174 |
| Average earning assets | $85,232,600 | 5,084 |
| Average equity | $7,535,000 | 5,703 |
| Average total loans | $58,077,200 | 4,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 3,041 |
| Cost of funding earning assets | 0.8776% | 4,568 |
| Net interest margin | 4.1309% | 2,354 |
| Noninterest income to average assets | 0.9519% | 1,481 |
| Noninterest expense to average assets | 2.3939% | 5,777 |
| Loan and lease loss provision to assets | 0.5696% | 1,722 |
| Net operating income to assets | 1.3338% | 1,301 |
| Return on assets (ROA) | 1.3551% | 1,338 |
| Pretax return on assets | 1.9202% | 743 |
| Return on Equity (ROE) | 16.3458% | 634 |
| Retained earnings to average equity (ytd only) | 11.8255% | 515 |
| Net charge-offs to loans | 0.6800% | 2,214 |
| Credit loss provision to net charge-offs | 127.9461% | 2,497 |
| Earnings coverage of net charge-offs (x) | 5.5253% | 2,762 |
| Efficiency ratio | 49.3206% | 6,863 |
| Assets per employee ($millions) | 5.0892% | 2,077 |
| Cash dividends to net income (ytd only)* | 27.6554% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,407 |
| Loan loss allowance to noncurrent loans | 167.3835% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7942% | 5,182 |
| Noncurrent loans to loans | 0.8559% | 5,155 |
| Net loans and leases to total assets | 66.4585% | 2,792 |
| Net loans and leases to deposits | 78.1187% | 2,960 |
| Net loans and leases to core deposits | 89.0006% | 2,358 |
| Total domestic deposits to total assets | 85.0737% | 3,736 |
| Equity capital to assets | 8.2445% | 6,532 |
| Core capital (leverage) ratio | 8.1874% | 6,146 |
| Tier 1 risk-based capital ratio | 10.3832% | 6,826 |
| Total risk-based capital ratio | 11.6338% | 6,812 |
| Memoranda: | ||
| Average total assets | $88,947,500 | 5,251 |
| Average earning assets | $84,014,750 | 5,158 |
| Average equity | $7,373,750 | 5,791 |
| Average total loans | $58,232,250 | 4,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 2,826 |
| Cost of funding earning assets | 0.8843% | 4,799 |
| Net interest margin | 4.1864% | 2,087 |
| Noninterest income to average assets | 0.9981% | 1,323 |
| Noninterest expense to average assets | 2.3065% | 6,107 |
| Loan and lease loss provision to assets | 0.6947% | 1,366 |
| Net operating income to assets | 1.4572% | 961 |
| Return on assets (ROA) | 1.4728% | 996 |
| Pretax return on assets | 1.9753% | 615 |
| Return on Equity (ROE) | 17.7299% | 482 |
| Retained earnings to average equity (ytd only) | 10.7606% | 714 |
| Net charge-offs to loans | 1.0302% | 1,528 |
| Credit loss provision to net charge-offs | 104.1667% | 2,965 |
| Earnings coverage of net charge-offs (x) | 3.9722% | 3,004 |
| Efficiency ratio | 46.5421% | 7,134 |
| Assets per employee ($millions) | 5.1768% | 1,902 |
| Cash dividends to net income (ytd only)* | 39.3082% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 4,028 |
| Loan loss allowance to noncurrent loans | 193.9326% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 5,426 |
| Noncurrent loans to loans | 0.7845% | 5,345 |
| Net loans and leases to total assets | 63.4718% | 3,584 |
| Net loans and leases to deposits | 70.7999% | 4,324 |
| Net loans and leases to core deposits | 77.7223% | 4,087 |
| Total domestic deposits to total assets | 89.6496% | 1,156 |
| Equity capital to assets | 8.6278% | 6,031 |
| Core capital (leverage) ratio | 8.3190% | 5,838 |
| Tier 1 risk-based capital ratio | 13.5318% | 4,499 |
| Total risk-based capital ratio | 14.7888% | 4,485 |
| Memoranda: | ||
| Average total assets | $86,365,000 | 5,362 |
| Average earning assets | $81,645,330 | 5,277 |
| Average equity | $7,174,330 | 5,874 |
| Average total loans | $55,911,000 | 5,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 2,742 |
| Cost of funding earning assets | 0.8972% | 4,945 |
| Net interest margin | 4.1801% | 1,964 |
| Noninterest income to average assets | 1.1222% | 1,042 |
| Noninterest expense to average assets | 2.6092% | 5,188 |
| Loan and lease loss provision to assets | 1.1924% | 591 |
| Net operating income to assets | 0.8921% | 2,603 |
| Return on assets (ROA) | 0.9212% | 2,529 |
| Pretax return on assets | 1.3280% | 1,951 |
| Return on Equity (ROE) | 11.3137% | 1,639 |
| Retained earnings to average equity (ytd only) | -3.0438% | 6,304 |
| Net charge-offs to loans | 1.6070% | 839 |
| Credit loss provision to net charge-offs | 114.3498% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.3767% | 3,132 |
| Efficiency ratio | 51.2868% | 6,900 |
| Assets per employee ($millions) | 5.0241% | 2,131 |
| Cash dividends to net income (ytd only)* | 126.9036% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,697 |
| Loan loss allowance to noncurrent loans | 256.6860% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 5,693 |
| Noncurrent loans to loans | 0.6259% | 5,783 |
| Net loans and leases to total assets | 63.3123% | 3,584 |
| Net loans and leases to deposits | 69.9077% | 4,352 |
| Net loans and leases to core deposits | 76.4387% | 4,245 |
| Total domestic deposits to total assets | 90.5655% | 813 |
| Equity capital to assets | 8.1407% | 6,355 |
| Core capital (leverage) ratio | 7.6376% | 6,617 |
| Tier 1 risk-based capital ratio | 12.9896% | 4,835 |
| Total risk-based capital ratio | 14.1767% | 4,866 |
| Memoranda: | ||
| Average total assets | $85,544,500 | 5,423 |
| Average earning assets | $81,145,500 | 5,323 |
| Average equity | $6,965,000 | 5,940 |
| Average total loans | $55,505,500 | 5,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 3,884 |
| Cost of funding earning assets | 0.8727% | 6,288 |
| Net interest margin | 4.2718% | 1,909 |
| Noninterest income to average assets | 0.8603% | 2,013 |
| Noninterest expense to average assets | 2.5703% | 5,543 |
| Loan and lease loss provision to assets | 0.5700% | 2,848 |
| Net operating income to assets | 1.1381% | 1,581 |
| Return on assets (ROA) | 1.2904% | 1,258 |
| Pretax return on assets | 1.9770% | 510 |
| Return on Equity (ROE) | 16.5788% | 516 |
| Retained earnings to average equity (ytd only) | 16.5788% | 86 |
| Net charge-offs to loans | 0.6981% | 2,915 |
| Credit loss provision to net charge-offs | 131.8059% | 2,990 |
| Earnings coverage of net charge-offs (x) | 5.3477% | 2,649 |
| Efficiency ratio | 52.6379% | 6,936 |
| Assets per employee ($millions) | 5.0399% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 3,906 |
| Loan loss allowance to noncurrent loans | 111.5334% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 4,159 |
| Noncurrent loans to loans | 1.3612% | 4,442 |
| Net loans and leases to total assets | 64.4289% | 3,778 |
| Net loans and leases to deposits | 77.0795% | 3,666 |
| Net loans and leases to core deposits | 87.6125% | 3,102 |
| Total domestic deposits to total assets | 83.5876% | 4,564 |
| Equity capital to assets | 8.1432% | 6,328 |
| Core capital (leverage) ratio | 8.0545% | 6,113 |
| Tier 1 risk-based capital ratio | 12.4127% | 5,099 |
| Total risk-based capital ratio | 13.6788% | 5,068 |
| Memoranda: | ||
| Average total assets | $85,787,800 | 5,413 |
| Average earning assets | $80,785,600 | 5,314 |
| Average equity | $6,677,200 | 6,141 |
| Average total loans | $53,146,600 | 5,351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1364% | 4,143 |
| Cost of funding earning assets | 0.8698% | 6,507 |
| Net interest margin | 4.2666% | 1,966 |
| Noninterest income to average assets | 0.8235% | 2,112 |
| Noninterest expense to average assets | 2.4875% | 5,755 |
| Loan and lease loss provision to assets | 0.6292% | 2,421 |
| Net operating income to assets | 1.1999% | 1,594 |
| Return on assets (ROA) | 1.4185% | 1,147 |
| Pretax return on assets | 2.0353% | 577 |
| Return on Equity (ROE) | 18.4377% | 440 |
| Retained earnings to average equity (ytd only) | 18.4377% | 104 |
| Net charge-offs to loans | 0.8088% | 2,429 |
| Credit loss provision to net charge-offs | 127.3585% | 3,198 |
| Earnings coverage of net charge-offs (x) | 4.7610% | 2,934 |
| Efficiency ratio | 51.3965% | 7,038 |
| Assets per employee ($millions) | 5.2793% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 4,010 |
| Loan loss allowance to noncurrent loans | 246.9880% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 5,948 |
| Noncurrent loans to loans | 0.6034% | 6,002 |
| Net loans and leases to total assets | 64.1715% | 4,092 |
| Net loans and leases to deposits | 76.8625% | 4,032 |
| Net loans and leases to core deposits | 85.9129% | 3,669 |
| Total domestic deposits to total assets | 83.4886% | 4,383 |
| Equity capital to assets | 8.3901% | 6,405 |
| Core capital (leverage) ratio | 7.9593% | 6,403 |
| Tier 1 risk-based capital ratio | 13.7396% | 4,027 |
| Total risk-based capital ratio | 14.9951% | 3,979 |
| Memoranda: | ||
| Average total assets | $85,815,000 | 5,472 |
| Average earning assets | $80,781,000 | 5,377 |
| Average equity | $6,602,250 | 6,235 |
| Average total loans | $52,420,000 | 5,466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 4,545 |
| Cost of funding earning assets | 0.8940% | 6,607 |
| Net interest margin | 4.1892% | 2,186 |
| Noninterest income to average assets | 0.8439% | 1,903 |
| Noninterest expense to average assets | 2.4854% | 5,762 |
| Loan and lease loss provision to assets | 0.6144% | 2,333 |
| Net operating income to assets | 1.2191% | 1,514 |
| Return on assets (ROA) | 1.5163% | 946 |
| Pretax return on assets | 2.1005% | 489 |
| Return on Equity (ROE) | 20.3084% | 299 |
| Retained earnings to average equity (ytd only) | 20.3084% | 84 |
| Net charge-offs to loans | 1.0630% | 1,770 |
| Credit loss provision to net charge-offs | 96.7153% | 4,218 |
| Earnings coverage of net charge-offs (x) | 3.6241% | 3,237 |
| Efficiency ratio | 51.9128% | 7,077 |
| Assets per employee ($millions) | 5.2782% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,741 |
| Loan loss allowance to noncurrent loans | 191.5344% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 5,584 |
| Noncurrent loans to loans | 0.6989% | 5,845 |
| Net loans and leases to total assets | 63.1881% | 4,421 |
| Net loans and leases to deposits | 72.7542% | 4,880 |
| Net loans and leases to core deposits | 78.9370% | 4,812 |
| Total domestic deposits to total assets | 86.8515% | 2,621 |
| Equity capital to assets | 8.0082% | 6,749 |
| Core capital (leverage) ratio | 7.6159% | 6,713 |
| Tier 1 risk-based capital ratio | 11.4204% | 5,852 |
| Total risk-based capital ratio | 12.6712% | 5,821 |
| Memoranda: | ||
| Average total assets | $86,263,670 | 5,500 |
| Average earning assets | $81,208,000 | 5,397 |
| Average equity | $6,440,670 | 6,319 |
| Average total loans | $51,551,670 | 5,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 4,713 |
| Cost of funding earning assets | 0.9562% | 6,553 |
| Net interest margin | 4.1077% | 2,407 |
| Noninterest income to average assets | 0.7709% | 2,168 |
| Noninterest expense to average assets | 2.5513% | 5,545 |
| Loan and lease loss provision to assets | 0.6424% | 1,974 |
| Net operating income to assets | 1.1141% | 1,785 |
| Return on assets (ROA) | 1.6152% | 775 |
| Pretax return on assets | 2.0833% | 520 |
| Return on Equity (ROE) | 22.4222% | 257 |
| Retained earnings to average equity (ytd only) | 22.4222% | 143 |
| Net charge-offs to loans | 1.8932% | 914 |
| Credit loss provision to net charge-offs | 58.8235% | 4,319 |
| Earnings coverage of net charge-offs (x) | 1.9076% | 3,588 |
| Efficiency ratio | 55.0495% | 6,882 |
| Assets per employee ($millions) | 5.6133% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 5,284 |
| Loan loss allowance to noncurrent loans | 167.5462% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 5,672 |
| Noncurrent loans to loans | 0.7397% | 5,843 |
| Net loans and leases to total assets | 60.1010% | 5,105 |
| Net loans and leases to deposits | 67.0994% | 5,700 |
| Net loans and leases to core deposits | 75.0849% | 5,375 |
| Total domestic deposits to total assets | 89.5701% | 1,194 |
| Equity capital to assets | 7.5677% | 7,016 |
| Core capital (leverage) ratio | 7.0336% | 7,231 |
| Tier 1 risk-based capital ratio | 11.6080% | 5,568 |
| Total risk-based capital ratio | 12.7883% | 5,611 |
| Memoranda: | ||
| Average total assets | $87,170,000 | 5,542 |
| Average earning assets | $81,991,500 | 5,439 |
| Average equity | $6,279,500 | 6,424 |
| Average total loans | $50,284,000 | 5,656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 5,071 |
| Cost of funding earning assets | 1.3223% | 6,232 |
| Net interest margin | 4.0004% | 2,862 |
| Noninterest income to average assets | 0.5980% | 3,647 |
| Noninterest expense to average assets | 2.4282% | 6,378 |
| Loan and lease loss provision to assets | 0.3688% | 4,575 |
| Net operating income to assets | 1.0316% | 1,739 |
| Return on assets (ROA) | 1.0316% | 1,782 |
| Pretax return on assets | 1.5212% | 1,133 |
| Return on Equity (ROE) | 14.2842% | 737 |
| Retained earnings to average equity (ytd only) | 14.2842% | 108 |
| Net charge-offs to loans | 0.4468% | 4,001 |
| Credit loss provision to net charge-offs | 147.2637% | 3,196 |
| Earnings coverage of net charge-offs (x) | 7.5473% | 2,126 |
| Efficiency ratio | 56.2320% | 6,984 |
| Assets per employee ($millions) | 6.0093% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,798 |
| Loan loss allowance to noncurrent loans | 155.2966% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 6,054 |
| Noncurrent loans to loans | 0.9569% | 5,397 |
| Net loans and leases to total assets | 53.9106% | 6,211 |
| Net loans and leases to deposits | 58.0842% | 6,778 |
| Net loans and leases to core deposits | 69.2010% | 6,819 |
| Total domestic deposits to total assets | 92.8145% | 148 |
| Equity capital to assets | 6.8638% | 7,435 |
| Core capital (leverage) ratio | 7.3206% | 6,963 |
| Tier 1 risk-based capital ratio | 10.4714% | 6,426 |
| Total risk-based capital ratio | 11.7223% | 6,395 |
| Memoranda: | ||
| Average total assets | $80,265,800 | 5,722 |
| Average earning assets | $74,641,800 | 5,648 |
| Average equity | $5,796,600 | 6,673 |
| Average total loans | $44,987,800 | 5,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 5,087 |
| Cost of funding earning assets | 1.3724% | 6,327 |
| Net interest margin | 3.9991% | 2,828 |
| Noninterest income to average assets | 0.6393% | 3,429 |
| Noninterest expense to average assets | 2.4645% | 6,201 |
| Loan and lease loss provision to assets | 0.5022% | 3,379 |
| Net operating income to assets | 0.9083% | 2,395 |
| Return on assets (ROA) | 0.9083% | 2,462 |
| Pretax return on assets | 1.3882% | 1,728 |
| Return on Equity (ROE) | 12.3995% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.3995% | 309 |
| Net charge-offs to loans | 0.5922% | 2,902 |
| Credit loss provision to net charge-offs | 150.2564% | 3,193 |
| Earnings coverage of net charge-offs (x) | 5.6565% | 2,760 |
| Efficiency ratio | 56.5919% | 6,923 |
| Assets per employee ($millions) | 6.7188% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 3,282 |
| Loan loss allowance to noncurrent loans | 184.4612% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 5,831 |
| Noncurrent loans to loans | 0.8294% | 5,641 |
| Net loans and leases to total assets | 54.2366% | 6,356 |
| Net loans and leases to deposits | 58.6561% | 6,924 |
| Net loans and leases to core deposits | 70.1708% | 6,960 |
| Total domestic deposits to total assets | 92.4655% | 122 |
| Equity capital to assets | 6.8693% | 7,656 |
| Core capital (leverage) ratio | 7.2236% | 7,244 |
| Tier 1 risk-based capital ratio | 10.4702% | 6,503 |
| Total risk-based capital ratio | 11.7218% | 6,452 |
| Memoranda: | ||
| Average total assets | $77,797,250 | 5,828 |
| Average earning assets | $72,281,000 | 5,775 |
| Average equity | $5,699,000 | 6,778 |
| Average total loans | $43,902,750 | 5,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5010% | 4,624 |
| Cost of funding earning assets | 1.3978% | 6,485 |
| Net interest margin | 4.1031% | 2,309 |
| Noninterest income to average assets | 0.6621% | 3,250 |
| Noninterest expense to average assets | 2.4928% | 6,146 |
| Loan and lease loss provision to assets | 0.2225% | 4,809 |
| Net operating income to assets | 1.2491% | 1,359 |
| Return on assets (ROA) | 1.2491% | 1,432 |
| Pretax return on assets | 1.7235% | 976 |
| Return on Equity (ROE) | 16.6468% | 626 |
| Retained earnings to average equity (ytd only) | 16.6468% | 145 |
| Net charge-offs to loans | 0.7153% | 2,271 |
| Credit loss provision to net charge-offs | 54.6053% | 5,688 |
| Earnings coverage of net charge-offs (x) | 4.7763% | 3,005 |
| Efficiency ratio | 56.1594% | 7,102 |
| Assets per employee ($millions) | 4.8614% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,290 |
| Loan loss allowance to noncurrent loans | 113.1474% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.8616% | 3,386 |
| Noncurrent loans to loans | 1.1468% | 4,922 |
| Net loans and leases to total assets | 55.5456% | 6,266 |
| Net loans and leases to deposits | 60.2622% | 6,868 |
| Net loans and leases to core deposits | 73.8383% | 6,804 |
| Total domestic deposits to total assets | 92.1731% | 187 |
| Equity capital to assets | 7.4181% | 7,340 |
| Core capital (leverage) ratio | 7.2710% | 7,278 |
| Tier 1 risk-based capital ratio | 10.5888% | 6,305 |
| Total risk-based capital ratio | 11.6711% | 6,404 |
| Memoranda: | ||
| Average total assets | $74,614,670 | 5,962 |
| Average earning assets | $68,679,000 | 5,932 |
| Average equity | $5,598,670 | 6,862 |
| Average total loans | $42,500,670 | 6,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 4,169 |
| Cost of funding earning assets | 1.4167% | 6,675 |
| Net interest margin | 4.2147% | 1,845 |
| Noninterest income to average assets | 0.8325% | 2,164 |
| Noninterest expense to average assets | 2.4483% | 6,032 |
| Loan and lease loss provision to assets | 0.4108% | 2,865 |
| Net operating income to assets | 1.4569% | 1,024 |
| Return on assets (ROA) | 1.4569% | 1,100 |
| Pretax return on assets | 1.9006% | 796 |
| Return on Equity (ROE) | 19.2998% | 477 |
| Retained earnings to average equity (ytd only) | 19.2998% | 186 |
| Net charge-offs to loans | 0.4682% | 2,273 |
| Credit loss provision to net charge-offs | 153.0612% | 2,729 |
| Earnings coverage of net charge-offs (x) | 8.6122% | 2,164 |
| Efficiency ratio | 51.4384% | 7,472 |
| Assets per employee ($millions) | 4.5673% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,737 |
| Loan loss allowance to noncurrent loans | 178.9757% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 4,009 |
| Noncurrent loans to loans | 0.8631% | 5,291 |
| Net loans and leases to total assets | 57.9101% | 5,954 |
| Net loans and leases to deposits | 67.3216% | 6,242 |
| Net loans and leases to core deposits | 81.9516% | 6,244 |
| Total domestic deposits to total assets | 86.0202% | 2,707 |
| Equity capital to assets | 7.7589% | 7,120 |
| Core capital (leverage) ratio | 6.9937% | 7,640 |
| Tier 1 risk-based capital ratio | 11.2285% | 5,668 |
| Total risk-based capital ratio | 12.5155% | 5,542 |
| Memoranda: | ||
| Average total assets | $73,030,500 | 6,028 |
| Average earning assets | $68,047,000 | 5,977 |
| Average equity | $5,513,000 | 6,941 |
| Average total loans | $41,864,500 | 6,151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1555% | 4,751 |
| Cost of funding earning assets | 1.8029% | 6,994 |
| Net interest margin | 4.3526% | 1,814 |
| Noninterest income to average assets | 0.9293% | 1,860 |
| Noninterest expense to average assets | 2.4745% | 6,111 |
| Loan and lease loss provision to assets | 0.4759% | 2,922 |
| Net operating income to assets | 1.3170% | 1,438 |
| Return on assets (ROA) | 1.3170% | 1,394 |
| Pretax return on assets | 2.0574% | 526 |
| Return on Equity (ROE) | 19.5253% | 415 |
| Retained earnings to average equity (ytd only) | 19.5253% | 36 |
| Net charge-offs to loans | 0.4886% | 2,404 |
| Credit loss provision to net charge-offs | 193.1818% | 2,533 |
| Earnings coverage of net charge-offs (x) | 10.2841% | 2,540 |
| Efficiency ratio | 49.4131% | 7,701 |
| Assets per employee ($millions) | 4.2932% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 2,373 |
| Loan loss allowance to noncurrent loans | 164.4330% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 4,496 |
| Noncurrent loans to loans | 0.9522% | 4,698 |
| Net loans and leases to total assets | 54.9545% | 6,551 |
| Net loans and leases to deposits | 70.3156% | 6,239 |
| Net loans and leases to core deposits | 85.8899% | 6,140 |
| Total domestic deposits to total assets | 78.1541% | 5,661 |
| Equity capital to assets | 7.3386% | 7,523 |
| Core capital (leverage) ratio | 7.0280% | 7,671 |
| Tier 1 risk-based capital ratio | 10.5334% | 6,176 |
| Total risk-based capital ratio | 11.7852% | 6,068 |
| Memoranda: | ||
| Average total assets | $71,447,800 | 5,987 |
| Average earning assets | $66,948,600 | 5,933 |
| Average equity | $4,819,400 | 7,203 |
| Average total loans | $36,017,600 | 6,366 |