Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1323% | 539 |
| Cost of funding earning assets | 2.4197% | 439 |
| Net interest margin | 3.7126% | 1,736 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 3.1072% | 946 |
| Loan and lease loss provision to assets | 0.7200% | 109 |
| Net operating income to assets | -0.0422% | 4,406 |
| Return on assets (ROA) | -0.0422% | 4,390 |
| Pretax return on assets | -0.0422% | 4,377 |
| Return on Equity (ROE) | -0.3200% | 4,362 |
| Retained earnings to average equity (ytd only) | -22.6379% | 4,531 |
| Net charge-offs to loans | 0.7835% | 131 |
| Credit loss provision to net charge-offs | 113.1481% | 1,734 |
| Earnings coverage of net charge-offs (x) | 1.0648% | 2,782 |
| Efficiency ratio | 82.1595% | 768 |
| Assets per employee ($millions) | 6.3647% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,548 |
| Loan loss allowance to noncurrent loans | 47.3105% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 4.9987% | 24 |
| Noncurrent loans to loans | 2.4312% | 204 |
| Net loans and leases to total assets | 80.3900% | 595 |
| Net loans and leases to deposits | 94.3397% | 915 |
| Net loans and leases to core deposits | 130.6863% | 391 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 10.8773% | 1,540 |
| Core capital (leverage) ratio | 10.8028% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5293% | 1,390 |
| Memoranda: | ||
| Average total assets | $85,220,400 | 3,967 |
| Average earning assets | $78,355,600 | 3,945 |
| Average equity | $11,242,200 | 3,596 |
| Average total loans | $68,917,800 | 3,569 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9953% | 533 |
| Cost of funding earning assets | 2.1798% | 517 |
| Net interest margin | 3.8155% | 1,565 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.8222% | 1,388 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7052% | 3,317 |
| Return on assets (ROA) | 0.7052% | 3,293 |
| Pretax return on assets | 0.9040% | 3,095 |
| Return on Equity (ROE) | 5.1300% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.6881% | 3,047 |
| Net charge-offs to loans | 0.0058% | 2,244 |
| Credit loss provision to net charge-offs | 2,800.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 221.3333% | 552 |
| Efficiency ratio | 73.2366% | 1,422 |
| Assets per employee ($millions) | 6.4421% | 2,366 |
| Cash dividends to net income (ytd only)* | 8.5903% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,540 |
| Loan loss allowance to noncurrent loans | 34.0278% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 5.7363% | 23 |
| Noncurrent loans to loans | 3.4262% | 107 |
| Net loans and leases to total assets | 79.3600% | 724 |
| Net loans and leases to deposits | 93.6983% | 919 |
| Net loans and leases to core deposits | 132.8489% | 309 |
| Total domestic deposits to total assets | 84.7000% | 2,598 |
| Equity capital to assets | 14.2811% | 606 |
| Core capital (leverage) ratio | 14.0244% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9384% | 706 |
| Memoranda: | ||
| Average total assets | $85,840,250 | 3,980 |
| Average earning assets | $79,393,250 | 3,953 |
| Average equity | $11,802,750 | 3,538 |
| Average total loans | $69,324,250 | 3,570 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 529 |
| Cost of funding earning assets | 1.9833% | 511 |
| Net interest margin | 3.8750% | 1,474 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.6786% | 1,692 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8967% | 2,763 |
| Return on assets (ROA) | 0.8967% | 2,751 |
| Pretax return on assets | 1.1925% | 2,381 |
| Return on Equity (ROE) | 6.6000% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.6041% | 2,421 |
| Net charge-offs to loans | 0.0086% | 1,883 |
| Credit loss provision to net charge-offs | 1,433.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 185.6667% | 650 |
| Efficiency ratio | 67.5408% | 2,040 |
| Assets per employee ($millions) | 6.7510% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,194 |
| Loan loss allowance to noncurrent loans | 46.3506% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 161 |
| Noncurrent loans to loans | 2.2646% | 219 |
| Net loans and leases to total assets | 79.8100% | 652 |
| Net loans and leases to deposits | 93.2675% | 926 |
| Net loans and leases to core deposits | 133.3625% | 283 |
| Total domestic deposits to total assets | 85.5700% | 2,371 |
| Equity capital to assets | 13.5968% | 704 |
| Core capital (leverage) ratio | 13.7774% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4355% | 768 |
| Memoranda: | ||
| Average total assets | $86,538,000 | 3,986 |
| Average earning assets | $80,774,333 | 3,960 |
| Average equity | $11,750,333 | 3,559 |
| Average total loans | $70,016,667 | 3,568 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 624 |
| Cost of funding earning assets | 1.8360% | 426 |
| Net interest margin | 3.6671% | 1,981 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.5604% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0567% | 2,360 |
| Return on assets (ROA) | 1.0567% | 2,328 |
| Pretax return on assets | 1.3733% | 1,952 |
| Return on Equity (ROE) | 7.7900% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.7880% | 2,284 |
| Net charge-offs to loans | 0.0287% | 1,124 |
| Credit loss provision to net charge-offs | 20.0000% | 1,376 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 1,029 |
| Efficiency ratio | 65.0888% | 2,314 |
| Assets per employee ($millions) | 6.5769% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,502 |
| Loan loss allowance to noncurrent loans | 39.3803% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0760% | 115 |
| Noncurrent loans to loans | 2.5492% | 187 |
| Net loans and leases to total assets | 80.6200% | 484 |
| Net loans and leases to deposits | 94.4868% | 757 |
| Net loans and leases to core deposits | 129.0558% | 285 |
| Total domestic deposits to total assets | 85.3200% | 2,768 |
| Equity capital to assets | 13.7684% | 624 |
| Core capital (leverage) ratio | 13.5273% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4583% | 792 |
| Memoranda: | ||
| Average total assets | $85,925,500 | 4,041 |
| Average earning assets | $80,391,000 | 4,015 |
| Average equity | $11,659,000 | 3,601 |
| Average total loans | $69,632,500 | 3,613 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 332 |
| Cost of funding earning assets | 0.9254% | 227 |
| Net interest margin | 4.0228% | 762 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.7653% | 1,400 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8775% | 3,053 |
| Return on assets (ROA) | 0.8775% | 2,991 |
| Pretax return on assets | 1.1123% | 2,728 |
| Return on Equity (ROE) | 6.6100% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.2512% | 2,551 |
| Net charge-offs to loans | 0.0896% | 780 |
| Credit loss provision to net charge-offs | 127.1186% | 1,426 |
| Earnings coverage of net charge-offs (x) | 17.1695% | 1,960 |
| Efficiency ratio | 69.7160% | 1,726 |
| Assets per employee ($millions) | 6.6424% | 2,226 |
| Cash dividends to net income (ytd only)* | 5.4054% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,310 |
| Loan loss allowance to noncurrent loans | 34.4102% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 88 |
| Noncurrent loans to loans | 2.9338% | 146 |
| Net loans and leases to total assets | 79.8300% | 613 |
| Net loans and leases to deposits | 92.8828% | 856 |
| Net loans and leases to core deposits | 126.0178% | 277 |
| Total domestic deposits to total assets | 85.9500% | 2,741 |
| Equity capital to assets | 13.3710% | 649 |
| Core capital (leverage) ratio | 13.5960% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0311% | 825 |
| Memoranda: | ||
| Average total assets | $84,329,400 | 4,078 |
| Average earning assets | $78,452,600 | 4,057 |
| Average equity | $11,197,800 | 3,745 |
| Average total loans | $65,874,600 | 3,646 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 271 |
| Cost of funding earning assets | 0.7592% | 190 |
| Net interest margin | 4.0717% | 543 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.7422% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9416% | 2,699 |
| Return on assets (ROA) | 0.9416% | 2,665 |
| Pretax return on assets | 1.2534% | 2,196 |
| Return on Equity (ROE) | 7.1000% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.6240% | 2,507 |
| Net charge-offs to loans | 0.0678% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 23.8788% | 1,641 |
| Efficiency ratio | 68.6306% | 1,937 |
| Assets per employee ($millions) | 6.4085% | 2,401 |
| Cash dividends to net income (ytd only)* | 6.7568% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,576 |
| Loan loss allowance to noncurrent loans | 36.5159% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 2.3863% | 97 |
| Noncurrent loans to loans | 2.6841% | 187 |
| Net loans and leases to total assets | 79.3100% | 593 |
| Net loans and leases to deposits | 92.9505% | 704 |
| Net loans and leases to core deposits | 122.8287% | 212 |
| Total domestic deposits to total assets | 85.3200% | 3,211 |
| Equity capital to assets | 13.6814% | 595 |
| Core capital (leverage) ratio | 13.7292% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0425% | 858 |
| Memoranda: | ||
| Average total assets | $83,824,000 | 4,112 |
| Average earning assets | $77,803,750 | 4,091 |
| Average equity | $11,110,750 | 3,795 |
| Average total loans | $64,934,250 | 3,675 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 300 |
| Cost of funding earning assets | 0.6901% | 166 |
| Net interest margin | 3.9216% | 584 |
| Noninterest income to average assets | 0.2048% | 3,968 |
| Noninterest expense to average assets | 2.7406% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7881% | 3,002 |
| Return on assets (ROA) | 0.7881% | 2,968 |
| Pretax return on assets | 1.0905% | 2,437 |
| Return on Equity (ROE) | 6.0100% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,333 |
| Net charge-offs to loans | 0.1181% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 12.0526% | 1,716 |
| Efficiency ratio | 71.5351% | 1,770 |
| Assets per employee ($millions) | 6.4398% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,638 |
| Loan loss allowance to noncurrent loans | 34.3932% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.4893% | 86 |
| Noncurrent loans to loans | 2.8814% | 178 |
| Net loans and leases to total assets | 77.4493% | 601 |
| Net loans and leases to deposits | 90.1418% | 711 |
| Net loans and leases to core deposits | 119.9523% | 197 |
| Total domestic deposits to total assets | 85.9194% | 3,269 |
| Equity capital to assets | 13.3508% | 603 |
| Core capital (leverage) ratio | 13.3632% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9264% | 864 |
| Memoranda: | ||
| Average total assets | $83,995,333 | 4,154 |
| Average earning assets | $77,673,333 | 4,146 |
| Average equity | $11,015,000 | 3,889 |
| Average total loans | $64,337,000 | 3,723 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 319 |
| Cost of funding earning assets | 0.6670% | 185 |
| Net interest margin | 3.8189% | 614 |
| Noninterest income to average assets | 0.1902% | 4,026 |
| Noninterest expense to average assets | 2.6006% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8368% | 2,531 |
| Return on assets (ROA) | 0.8368% | 2,525 |
| Pretax return on assets | 1.1553% | 1,966 |
| Return on Equity (ROE) | 6.4386% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.4386% | 2,093 |
| Net charge-offs to loans | 0.2823% | 224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 1,605 |
| Efficiency ratio | 69.2405% | 2,337 |
| Assets per employee ($millions) | 7.0427% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,631 |
| Loan loss allowance to noncurrent loans | 34.3499% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4446% | 101 |
| Noncurrent loans to loans | 2.9726% | 185 |
| Net loans and leases to total assets | 73.6381% | 688 |
| Net loans and leases to deposits | 85.5495% | 773 |
| Net loans and leases to core deposits | 114.5589% | 189 |
| Total domestic deposits to total assets | 86.0765% | 3,231 |
| Equity capital to assets | 13.0419% | 680 |
| Core capital (leverage) ratio | 13.0373% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2742% | 863 |
| Memoranda: | ||
| Average total assets | $84,134,000 | 4,172 |
| Average earning assets | $78,556,500 | 4,154 |
| Average equity | $10,934,000 | 3,959 |
| Average total loans | $63,761,500 | 3,732 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0249% | 255 |
| Cost of funding earning assets | 0.8243% | 181 |
| Net interest margin | 4.2005% | 490 |
| Noninterest income to average assets | 0.1345% | 4,473 |
| Noninterest expense to average assets | 2.5271% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2106% | 1,892 |
| Return on assets (ROA) | 1.2106% | 1,941 |
| Pretax return on assets | 1.5320% | 1,617 |
| Return on Equity (ROE) | 9.8696% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.4911% | 1,049 |
| Net charge-offs to loans | 0.0423% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 45.9643% | 1,352 |
| Efficiency ratio | 62.2581% | 2,831 |
| Assets per employee ($millions) | 6.4428% | 2,379 |
| Cash dividends to net income (ytd only)* | 3.8348% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,509 |
| Loan loss allowance to noncurrent loans | 35.2308% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 2.5753% | 99 |
| Noncurrent loans to loans | 3.0163% | 194 |
| Net loans and leases to total assets | 76.3659% | 497 |
| Net loans and leases to deposits | 88.4062% | 630 |
| Net loans and leases to core deposits | 116.9241% | 190 |
| Total domestic deposits to total assets | 86.3807% | 2,767 |
| Equity capital to assets | 12.9495% | 914 |
| Core capital (leverage) ratio | 12.9755% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7282% | 937 |
| Memoranda: | ||
| Average total assets | $84,010,400 | 4,164 |
| Average earning assets | $78,489,800 | 4,147 |
| Average equity | $10,304,400 | 4,092 |
| Average total loans | $66,238,200 | 3,722 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 255 |
| Cost of funding earning assets | 0.8719% | 180 |
| Net interest margin | 4.2304% | 511 |
| Noninterest income to average assets | 0.1459% | 4,466 |
| Noninterest expense to average assets | 2.7626% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9975% | 2,918 |
| Return on assets (ROA) | 0.9975% | 2,981 |
| Pretax return on assets | 1.3385% | 2,519 |
| Return on Equity (ROE) | 8.2471% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.7226% | 2,139 |
| Net charge-offs to loans | -0.0680% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3627% | 1,920 |
| Assets per employee ($millions) | 6.3726% | 2,354 |
| Cash dividends to net income (ytd only)* | 6.3593% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,267 |
| Loan loss allowance to noncurrent loans | 61.8497% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4618% | 342 |
| Noncurrent loans to loans | 1.8391% | 516 |
| Net loans and leases to total assets | 78.5790% | 367 |
| Net loans and leases to deposits | 90.9685% | 547 |
| Net loans and leases to core deposits | 127.3983% | 136 |
| Total domestic deposits to total assets | 86.3804% | 2,606 |
| Equity capital to assets | 12.6225% | 1,122 |
| Core capital (leverage) ratio | 12.5130% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2176% | 1,098 |
| Memoranda: | ||
| Average total assets | $84,074,000 | 4,213 |
| Average earning assets | $78,604,000 | 4,197 |
| Average equity | $10,169,000 | 4,166 |
| Average total loans | $66,635,750 | 3,766 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1351% | 282 |
| Cost of funding earning assets | 0.9272% | 162 |
| Net interest margin | 4.2079% | 574 |
| Noninterest income to average assets | 0.1586% | 4,403 |
| Noninterest expense to average assets | 2.7958% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9872% | 2,932 |
| Return on assets (ROA) | 0.9872% | 3,022 |
| Pretax return on assets | 1.2949% | 2,643 |
| Return on Equity (ROE) | 8.2796% | 3,322 |
| Retained earnings to average equity (ytd only) | 8.2796% | 1,985 |
| Net charge-offs to loans | -0.0807% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3449% | 1,835 |
| Assets per employee ($millions) | 6.4590% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,277 |
| Loan loss allowance to noncurrent loans | 62.6160% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 252 |
| Noncurrent loans to loans | 1.8088% | 571 |
| Net loans and leases to total assets | 77.1386% | 502 |
| Net loans and leases to deposits | 88.6642% | 741 |
| Net loans and leases to core deposits | 124.6459% | 169 |
| Total domestic deposits to total assets | 87.0008% | 2,320 |
| Equity capital to assets | 12.2489% | 1,246 |
| Core capital (leverage) ratio | 11.9907% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5930% | 1,017 |
| Memoranda: | ||
| Average total assets | $84,484,000 | 4,238 |
| Average earning assets | $78,947,333 | 4,220 |
| Average equity | $10,073,000 | 4,190 |
| Average total loans | $66,898,667 | 3,778 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 363 |
| Cost of funding earning assets | 0.9398% | 184 |
| Net interest margin | 4.0474% | 789 |
| Noninterest income to average assets | 0.1888% | 4,251 |
| Noninterest expense to average assets | 2.7566% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9346% | 3,030 |
| Return on assets (ROA) | 0.9346% | 3,105 |
| Pretax return on assets | 1.2131% | 2,813 |
| Return on Equity (ROE) | 7.9462% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.9462% | 2,260 |
| Net charge-offs to loans | -0.1539% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4411% | 1,763 |
| Assets per employee ($millions) | 5.7428% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 3,412 |
| Loan loss allowance to noncurrent loans | 54.3255% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 256 |
| Noncurrent loans to loans | 2.0318% | 531 |
| Net loans and leases to total assets | 77.0739% | 535 |
| Net loans and leases to deposits | 87.8075% | 843 |
| Net loans and leases to core deposits | 128.6088% | 157 |
| Total domestic deposits to total assets | 87.7760% | 1,966 |
| Equity capital to assets | 11.6854% | 1,450 |
| Core capital (leverage) ratio | 11.9124% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7239% | 1,119 |
| Memoranda: | ||
| Average total assets | $84,742,500 | 4,246 |
| Average earning assets | $79,162,500 | 4,233 |
| Average equity | $9,967,000 | 4,219 |
| Average total loans | $67,591,500 | 3,781 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 167 |
| Cost of funding earning assets | 1.3100% | 172 |
| Net interest margin | 4.2587% | 551 |
| Noninterest income to average assets | 0.2316% | 4,112 |
| Noninterest expense to average assets | 2.7264% | 2,150 |
| Loan and lease loss provision to assets | 0.4643% | 589 |
| Net operating income to assets | 0.7980% | 3,102 |
| Return on assets (ROA) | 0.7980% | 3,221 |
| Pretax return on assets | 1.0066% | 3,026 |
| Return on Equity (ROE) | 7.3388% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.9171% | 1,423 |
| Net charge-offs to loans | 0.5857% | 257 |
| Credit loss provision to net charge-offs | 96.4286% | 2,877 |
| Earnings coverage of net charge-offs (x) | 3.0548% | 3,116 |
| Efficiency ratio | 64.9549% | 2,685 |
| Assets per employee ($millions) | 4.9025% | 3,503 |
| Cash dividends to net income (ytd only)* | 5.7471% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,686 |
| Loan loss allowance to noncurrent loans | 75.5016% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.5562% | 456 |
| Noncurrent loans to loans | 1.3916% | 981 |
| Net loans and leases to total assets | 80.7914% | 377 |
| Net loans and leases to deposits | 92.3016% | 760 |
| Net loans and leases to core deposits | 138.1069% | 133 |
| Total domestic deposits to total assets | 87.5298% | 1,694 |
| Equity capital to assets | 11.8402% | 1,654 |
| Core capital (leverage) ratio | 11.5939% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7939% | 1,314 |
| Memoranda: | ||
| Average total assets | $87,221,400 | 4,153 |
| Average earning assets | $81,221,200 | 4,147 |
| Average equity | $9,483,800 | 4,252 |
| Average total loans | $71,705,000 | 3,691 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6664% | 161 |
| Cost of funding earning assets | 1.3910% | 169 |
| Net interest margin | 4.2754% | 619 |
| Noninterest income to average assets | 0.2540% | 3,954 |
| Noninterest expense to average assets | 3.0176% | 1,407 |
| Loan and lease loss provision to assets | 0.2347% | 1,736 |
| Net operating income to assets | 0.7741% | 3,190 |
| Return on assets (ROA) | 0.7741% | 3,305 |
| Pretax return on assets | 0.9797% | 3,135 |
| Return on Equity (ROE) | 7.2717% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.7036% | 1,812 |
| Net charge-offs to loans | 0.2772% | 568 |
| Credit loss provision to net charge-offs | 102.6490% | 2,602 |
| Earnings coverage of net charge-offs (x) | 5.3179% | 2,741 |
| Efficiency ratio | 71.3112% | 1,718 |
| Assets per employee ($millions) | 5.2090% | 3,008 |
| Cash dividends to net income (ytd only)* | 7.8125% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,396 |
| Loan loss allowance to noncurrent loans | 103.8190% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 849 |
| Noncurrent loans to loans | 1.0243% | 1,462 |
| Net loans and leases to total assets | 77.1199% | 945 |
| Net loans and leases to deposits | 87.6100% | 1,531 |
| Net loans and leases to core deposits | 139.6650% | 166 |
| Total domestic deposits to total assets | 88.0264% | 1,208 |
| Equity capital to assets | 10.9358% | 2,438 |
| Core capital (leverage) ratio | 11.0166% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0806% | 1,482 |
| Memoranda: | ||
| Average total assets | $88,191,000 | 4,146 |
| Average earning assets | $82,048,250 | 4,135 |
| Average equity | $9,387,750 | 4,282 |
| Average total loans | $72,619,000 | 3,693 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8274% | 182 |
| Cost of funding earning assets | 1.4983% | 167 |
| Net interest margin | 4.3291% | 707 |
| Noninterest income to average assets | 0.3202% | 3,544 |
| Noninterest expense to average assets | 2.9681% | 1,658 |
| Loan and lease loss provision to assets | 0.3520% | 1,198 |
| Net operating income to assets | 0.8130% | 2,998 |
| Return on assets (ROA) | 0.8130% | 3,117 |
| Pretax return on assets | 1.0287% | 2,938 |
| Return on Equity (ROE) | 7.7080% | 2,858 |
| Retained earnings to average equity (ytd only) | 7.7080% | 1,398 |
| Net charge-offs to loans | 0.4498% | 352 |
| Credit loss provision to net charge-offs | 93.3735% | 2,448 |
| Earnings coverage of net charge-offs (x) | 3.6627% | 2,662 |
| Efficiency ratio | 68.2507% | 2,203 |
| Assets per employee ($millions) | 5.0802% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,596 |
| Loan loss allowance to noncurrent loans | 63.5159% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 794 |
| Noncurrent loans to loans | 1.5687% | 952 |
| Net loans and leases to total assets | 82.7229% | 349 |
| Net loans and leases to deposits | 93.9655% | 969 |
| Net loans and leases to core deposits | 151.6783% | 100 |
| Total domestic deposits to total assets | 88.0354% | 1,160 |
| Equity capital to assets | 11.0811% | 2,267 |
| Core capital (leverage) ratio | 10.8142% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4792% | 1,639 |
| Memoranda: | ||
| Average total assets | $88,070,333 | 4,152 |
| Average earning assets | $81,957,333 | 4,144 |
| Average equity | $9,289,000 | 4,311 |
| Average total loans | $73,816,667 | 3,686 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 277 |
| Cost of funding earning assets | 1.6179% | 177 |
| Net interest margin | 4.0206% | 1,335 |
| Noninterest income to average assets | 0.2744% | 3,890 |
| Noninterest expense to average assets | 3.0138% | 1,859 |
| Loan and lease loss provision to assets | 0.1125% | 2,276 |
| Net operating income to assets | 0.6972% | 3,281 |
| Return on assets (ROA) | 0.6972% | 3,351 |
| Pretax return on assets | 0.8817% | 3,188 |
| Return on Equity (ROE) | 6.7771% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.7771% | 1,619 |
| Net charge-offs to loans | 0.0429% | 1,603 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 27.6250% | 1,232 |
| Efficiency ratio | 75.1964% | 1,662 |
| Assets per employee ($millions) | 5.5411% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,657 |
| Loan loss allowance to noncurrent loans | 19.5703% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 4.5682% | 82 |
| Noncurrent loans to loans | 5.1548% | 119 |
| Net loans and leases to total assets | 82.6782% | 381 |
| Net loans and leases to deposits | 93.2511% | 1,156 |
| Net loans and leases to core deposits | 158.1650% | 86 |
| Total domestic deposits to total assets | 88.6619% | 815 |
| Equity capital to assets | 10.4064% | 3,410 |
| Core capital (leverage) ratio | 10.3635% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0752% | 2,254 |
| Memoranda: | ||
| Average total assets | $88,924,000 | 4,136 |
| Average earning assets | $82,574,500 | 4,131 |
| Average equity | $9,148,500 | 4,352 |
| Average total loans | $74,644,500 | 3,672 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9546% | 244 |
| Cost of funding earning assets | 1.7978% | 141 |
| Net interest margin | 4.1568% | 1,406 |
| Noninterest income to average assets | 0.0918% | 4,948 |
| Noninterest expense to average assets | 2.7056% | 2,867 |
| Loan and lease loss provision to assets | 0.2866% | 600 |
| Net operating income to assets | 0.7591% | 3,675 |
| Return on assets (ROA) | 0.7591% | 3,755 |
| Pretax return on assets | 0.9605% | 3,572 |
| Return on Equity (ROE) | 8.0488% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.5912% | 1,125 |
| Net charge-offs to loans | 0.2986% | 701 |
| Credit loss provision to net charge-offs | 112.6087% | 2,230 |
| Earnings coverage of net charge-offs (x) | 4.9000% | 3,153 |
| Efficiency ratio | 68.4490% | 2,398 |
| Assets per employee ($millions) | 5.5744% | 2,003 |
| Cash dividends to net income (ytd only)* | 5.6851% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,649 |
| Loan loss allowance to noncurrent loans | 23.9109% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.6842% | 118 |
| Noncurrent loans to loans | 4.0576% | 164 |
| Net loans and leases to total assets | 83.5421% | 365 |
| Net loans and leases to deposits | 93.7258% | 1,185 |
| Net loans and leases to core deposits | 157.9179% | 84 |
| Total domestic deposits to total assets | 89.1346% | 618 |
| Equity capital to assets | 10.1703% | 3,762 |
| Core capital (leverage) ratio | 10.1028% | 3,410 |
| Tier 1 risk-based capital ratio | 12.2767% | 4,200 |
| Total risk-based capital ratio | 13.2647% | 4,227 |
| Memoranda: | ||
| Average total assets | $90,367,600 | 4,146 |
| Average earning assets | $83,935,400 | 4,126 |
| Average equity | $8,523,000 | 4,446 |
| Average total loans | $77,027,200 | 3,653 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9882% | 244 |
| Cost of funding earning assets | 1.8158% | 130 |
| Net interest margin | 4.1725% | 1,440 |
| Noninterest income to average assets | 0.1044% | 4,969 |
| Noninterest expense to average assets | 2.6648% | 2,965 |
| Loan and lease loss provision to assets | 0.2338% | 721 |
| Net operating income to assets | 0.8412% | 3,543 |
| Return on assets (ROA) | 0.8412% | 3,627 |
| Pretax return on assets | 1.0853% | 3,339 |
| Return on Equity (ROE) | 9.0943% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.4742% | 1,213 |
| Net charge-offs to loans | 0.2461% | 719 |
| Credit loss provision to net charge-offs | 111.1888% | 2,076 |
| Earnings coverage of net charge-offs (x) | 6.2728% | 2,853 |
| Efficiency ratio | 66.8882% | 2,602 |
| Assets per employee ($millions) | 6.0703% | 1,557 |
| Cash dividends to net income (ytd only)* | 6.8183% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,910 |
| Loan loss allowance to noncurrent loans | 27.2520% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 3.1739% | 168 |
| Noncurrent loans to loans | 3.4252% | 246 |
| Net loans and leases to total assets | 83.5726% | 395 |
| Net loans and leases to deposits | 93.8022% | 1,237 |
| Net loans and leases to core deposits | 170.9814% | 69 |
| Total domestic deposits to total assets | 89.0945% | 581 |
| Equity capital to assets | 9.8369% | 4,175 |
| Core capital (leverage) ratio | 9.7886% | 3,870 |
| Tier 1 risk-based capital ratio | 11.8589% | 4,485 |
| Total risk-based capital ratio | 12.8082% | 4,539 |
| Memoranda: | ||
| Average total assets | $90,661,750 | 4,186 |
| Average earning assets | $84,296,250 | 4,173 |
| Average equity | $8,386,000 | 4,508 |
| Average total loans | $77,473,500 | 3,686 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8534% | 305 |
| Cost of funding earning assets | 1.7679% | 148 |
| Net interest margin | 4.0856% | 1,649 |
| Noninterest income to average assets | 0.0619% | 5,130 |
| Noninterest expense to average assets | 2.5803% | 3,245 |
| Loan and lease loss provision to assets | 0.2629% | 573 |
| Net operating income to assets | 0.8130% | 3,605 |
| Return on assets (ROA) | 0.8130% | 3,664 |
| Pretax return on assets | 1.0273% | 3,457 |
| Return on Equity (ROE) | 8.9804% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.9804% | 1,034 |
| Net charge-offs to loans | 0.3295% | 518 |
| Credit loss provision to net charge-offs | 92.9688% | 2,104 |
| Earnings coverage of net charge-offs (x) | 4.5625% | 2,730 |
| Efficiency ratio | 66.6667% | 2,718 |
| Assets per employee ($millions) | 5.7146% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,133 |
| Loan loss allowance to noncurrent loans | 49.9278% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 557 |
| Noncurrent loans to loans | 1.7844% | 843 |
| Net loans and leases to total assets | 84.1928% | 344 |
| Net loans and leases to deposits | 93.9502% | 1,268 |
| Net loans and leases to core deposits | 197.1975% | 46 |
| Total domestic deposits to total assets | 89.6143% | 444 |
| Equity capital to assets | 9.6158% | 4,302 |
| Core capital (leverage) ratio | 9.6244% | 4,005 |
| Tier 1 risk-based capital ratio | 11.4781% | 4,695 |
| Total risk-based capital ratio | 12.3815% | 4,760 |
| Memoranda: | ||
| Average total assets | $90,530,670 | 4,212 |
| Average earning assets | $84,395,000 | 4,202 |
| Average equity | $8,195,670 | 4,556 |
| Average total loans | $77,693,330 | 3,699 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7960% | 313 |
| Cost of funding earning assets | 1.7179% | 149 |
| Net interest margin | 4.0781% | 1,613 |
| Noninterest income to average assets | 0.1510% | 4,840 |
| Noninterest expense to average assets | 2.6910% | 2,933 |
| Loan and lease loss provision to assets | 0.4441% | 246 |
| Net operating income to assets | 0.6483% | 4,099 |
| Return on assets (ROA) | 0.6483% | 4,132 |
| Pretax return on assets | 0.8215% | 3,991 |
| Return on Equity (ROE) | 7.3947% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.3947% | 1,885 |
| Net charge-offs to loans | 0.5045% | 298 |
| Credit loss provision to net charge-offs | 102.0408% | 1,551 |
| Earnings coverage of net charge-offs (x) | 2.9082% | 2,447 |
| Efficiency ratio | 68.0135% | 2,641 |
| Assets per employee ($millions) | 5.3986% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,168 |
| Loan loss allowance to noncurrent loans | 74.3915% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.5985% | 719 |
| Noncurrent loans to loans | 1.2065% | 1,366 |
| Net loans and leases to total assets | 84.5798% | 323 |
| Net loans and leases to deposits | 93.2107% | 1,257 |
| Net loans and leases to core deposits | 187.6154% | 48 |
| Total domestic deposits to total assets | 90.7405% | 219 |
| Equity capital to assets | 8.6842% | 4,886 |
| Core capital (leverage) ratio | 8.7612% | 4,823 |
| Tier 1 risk-based capital ratio | 10.3441% | 5,211 |
| Total risk-based capital ratio | 11.2565% | 5,238 |
| Memoranda: | ||
| Average total assets | $90,079,500 | 4,264 |
| Average earning assets | $84,058,500 | 4,251 |
| Average equity | $7,897,500 | 4,627 |
| Average total loans | $77,704,000 | 3,740 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 200 |
| Cost of funding earning assets | 1.4332% | 118 |
| Net interest margin | 4.4576% | 826 |
| Noninterest income to average assets | 0.1728% | 4,862 |
| Noninterest expense to average assets | 2.9889% | 2,073 |
| Loan and lease loss provision to assets | 0.3420% | 451 |
| Net operating income to assets | 0.7282% | 4,042 |
| Return on assets (ROA) | 0.7282% | 4,049 |
| Pretax return on assets | 0.9749% | 3,688 |
| Return on Equity (ROE) | 8.4416% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.9304% | 1,268 |
| Net charge-offs to loans | 0.1587% | 1,212 |
| Credit loss provision to net charge-offs | 249.5652% | 1,193 |
| Earnings coverage of net charge-offs (x) | 9.6087% | 2,794 |
| Efficiency ratio | 69.4160% | 2,303 |
| Assets per employee ($millions) | 5.1990% | 2,269 |
| Cash dividends to net income (ytd only)* | 6.0556% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,118 |
| Loan loss allowance to noncurrent loans | 53.3892% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.9291% | 512 |
| Noncurrent loans to loans | 1.7034% | 846 |
| Net loans and leases to total assets | 86.4193% | 213 |
| Net loans and leases to deposits | 95.2298% | 1,150 |
| Net loans and leases to core deposits | 184.9887% | 48 |
| Total domestic deposits to total assets | 90.7482% | 260 |
| Equity capital to assets | 8.8535% | 4,691 |
| Core capital (leverage) ratio | 8.8489% | 4,773 |
| Tier 1 risk-based capital ratio | 10.5726% | 5,156 |
| Total risk-based capital ratio | 11.5198% | 5,168 |
| Memoranda: | ||
| Average total assets | $83,910,000 | 4,360 |
| Average earning assets | $77,799,000 | 4,353 |
| Average equity | $7,238,000 | 4,715 |
| Average total loans | $72,461,600 | 3,820 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 210 |
| Cost of funding earning assets | 1.3536% | 130 |
| Net interest margin | 4.4696% | 789 |
| Noninterest income to average assets | 0.2061% | 4,727 |
| Noninterest expense to average assets | 3.0389% | 1,897 |
| Loan and lease loss provision to assets | 0.2255% | 727 |
| Net operating income to assets | 0.8584% | 3,703 |
| Return on assets (ROA) | 0.8584% | 3,707 |
| Pretax return on assets | 1.0790% | 3,470 |
| Return on Equity (ROE) | 10.0215% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.3259% | 1,106 |
| Net charge-offs to loans | 0.0430% | 2,237 |
| Credit loss provision to net charge-offs | 608.6957% | 588 |
| Earnings coverage of net charge-offs (x) | 35.2126% | 1,460 |
| Efficiency ratio | 69.9666% | 2,191 |
| Assets per employee ($millions) | 5.1461% | 2,285 |
| Cash dividends to net income (ytd only)* | 6.9415% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,466 |
| Loan loss allowance to noncurrent loans | 101.2539% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 1,167 |
| Noncurrent loans to loans | 0.8388% | 2,028 |
| Net loans and leases to total assets | 86.2053% | 248 |
| Net loans and leases to deposits | 95.6376% | 1,195 |
| Net loans and leases to core deposits | 179.1415% | 52 |
| Total domestic deposits to total assets | 90.1375% | 464 |
| Equity capital to assets | 8.8554% | 4,675 |
| Core capital (leverage) ratio | 9.0204% | 4,684 |
| Tier 1 risk-based capital ratio | 10.6094% | 5,209 |
| Total risk-based capital ratio | 11.4941% | 5,245 |
| Memoranda: | ||
| Average total assets | $82,791,750 | 4,427 |
| Average earning assets | $76,635,000 | 4,416 |
| Average equity | $7,091,250 | 4,782 |
| Average total loans | $71,306,750 | 3,879 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 221 |
| Cost of funding earning assets | 1.2829% | 127 |
| Net interest margin | 4.4503% | 767 |
| Noninterest income to average assets | 0.2191% | 4,705 |
| Noninterest expense to average assets | 2.9325% | 2,251 |
| Loan and lease loss provision to assets | 0.2290% | 702 |
| Net operating income to assets | 0.9283% | 3,329 |
| Return on assets (ROA) | 0.9283% | 3,330 |
| Pretax return on assets | 1.1745% | 3,029 |
| Return on Equity (ROE) | 10.9710% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.9710% | 680 |
| Net charge-offs to loans | 0.0660% | 1,680 |
| Credit loss provision to net charge-offs | 404.3478% | 812 |
| Earnings coverage of net charge-offs (x) | 24.7826% | 1,663 |
| Efficiency ratio | 67.6320% | 2,706 |
| Assets per employee ($millions) | 5.3556% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,646 |
| Loan loss allowance to noncurrent loans | 48.1899% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4506% | 929 |
| Noncurrent loans to loans | 1.6901% | 941 |
| Net loans and leases to total assets | 85.1301% | 340 |
| Net loans and leases to deposits | 94.1982% | 1,336 |
| Net loans and leases to core deposits | 171.8364% | 58 |
| Total domestic deposits to total assets | 90.3734% | 442 |
| Equity capital to assets | 8.8622% | 4,676 |
| Core capital (leverage) ratio | 9.2539% | 4,412 |
| Tier 1 risk-based capital ratio | 10.8325% | 5,139 |
| Total risk-based capital ratio | 11.6869% | 5,199 |
| Memoranda: | ||
| Average total assets | $81,228,000 | 4,497 |
| Average earning assets | $75,141,670 | 4,485 |
| Average equity | $6,872,670 | 4,866 |
| Average total loans | $69,722,000 | 3,941 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 244 |
| Cost of funding earning assets | 1.1135% | 216 |
| Net interest margin | 4.4649% | 663 |
| Noninterest income to average assets | 0.2279% | 4,647 |
| Noninterest expense to average assets | 2.8659% | 2,481 |
| Loan and lease loss provision to assets | 0.2279% | 687 |
| Net operating income to assets | 1.0228% | 2,765 |
| Return on assets (ROA) | 1.0228% | 2,787 |
| Pretax return on assets | 1.2760% | 2,456 |
| Return on Equity (ROE) | 12.4079% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.4079% | 614 |
| Net charge-offs to loans | -0.0118% | 4,320 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5852% | 3,238 |
| Assets per employee ($millions) | 5.0298% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 4,709 |
| Loan loss allowance to noncurrent loans | 69.5652% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 1,526 |
| Noncurrent loans to loans | 1.1914% | 1,530 |
| Net loans and leases to total assets | 85.6406% | 288 |
| Net loans and leases to deposits | 93.9221% | 1,232 |
| Net loans and leases to core deposits | 164.7330% | 74 |
| Total domestic deposits to total assets | 91.1826% | 261 |
| Equity capital to assets | 8.2173% | 5,169 |
| Core capital (leverage) ratio | 8.4943% | 5,142 |
| Tier 1 risk-based capital ratio | 10.0651% | 5,486 |
| Total risk-based capital ratio | 10.9418% | 5,521 |
| Memoranda: | ||
| Average total assets | $78,997,000 | 4,585 |
| Average earning assets | $73,283,500 | 4,564 |
| Average equity | $6,512,000 | 4,979 |
| Average total loans | $67,809,500 | 4,015 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6936% | 200 |
| Cost of funding earning assets | 1.0703% | 150 |
| Net interest margin | 4.6232% | 477 |
| Noninterest income to average assets | 0.2048% | 4,918 |
| Noninterest expense to average assets | 3.1878% | 1,637 |
| Loan and lease loss provision to assets | 0.2571% | 719 |
| Net operating income to assets | 0.6626% | 3,768 |
| Return on assets (ROA) | 0.6626% | 3,805 |
| Pretax return on assets | 1.0172% | 3,507 |
| Return on Equity (ROE) | 7.7994% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.2654% | 994 |
| Net charge-offs to loans | 0.2194% | 1,184 |
| Credit loss provision to net charge-offs | 138.5185% | 1,908 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 3,127 |
| Efficiency ratio | 71.4418% | 2,311 |
| Assets per employee ($millions) | 5.1678% | 2,289 |
| Cash dividends to net income (ytd only)* | 6.8465% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 4,830 |
| Loan loss allowance to noncurrent loans | 155.1320% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 3,110 |
| Noncurrent loans to loans | 0.5157% | 2,972 |
| Net loans and leases to total assets | 84.6176% | 382 |
| Net loans and leases to deposits | 92.6586% | 1,429 |
| Net loans and leases to core deposits | 146.7011% | 149 |
| Total domestic deposits to total assets | 91.3219% | 172 |
| Equity capital to assets | 8.2704% | 5,272 |
| Core capital (leverage) ratio | 8.4647% | 5,170 |
| Tier 1 risk-based capital ratio | 10.2208% | 5,471 |
| Total risk-based capital ratio | 11.0642% | 5,530 |
| Memoranda: | ||
| Average total assets | $72,746,000 | 4,729 |
| Average earning assets | $66,987,600 | 4,727 |
| Average equity | $6,180,000 | 5,072 |
| Average total loans | $61,524,200 | 4,165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 206 |
| Cost of funding earning assets | 1.0310% | 167 |
| Net interest margin | 4.6181% | 472 |
| Noninterest income to average assets | 0.2068% | 4,970 |
| Noninterest expense to average assets | 3.2106% | 1,533 |
| Loan and lease loss provision to assets | 0.2665% | 626 |
| Net operating income to assets | 0.6522% | 4,181 |
| Return on assets (ROA) | 0.6522% | 4,235 |
| Pretax return on assets | 0.9783% | 3,772 |
| Return on Equity (ROE) | 7.6224% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.9037% | 1,740 |
| Net charge-offs to loans | 0.2142% | 1,009 |
| Credit loss provision to net charge-offs | 147.4227% | 1,714 |
| Earnings coverage of net charge-offs (x) | 6.8866% | 2,934 |
| Efficiency ratio | 72.0619% | 2,197 |
| Assets per employee ($millions) | 5.4116% | 2,007 |
| Cash dividends to net income (ytd only)* | 9.4287% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 4,831 |
| Loan loss allowance to noncurrent loans | 91.1150% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 2,232 |
| Noncurrent loans to loans | 0.9036% | 2,125 |
| Net loans and leases to total assets | 83.1604% | 527 |
| Net loans and leases to deposits | 91.7850% | 1,597 |
| Net loans and leases to core deposits | 142.0321% | 182 |
| Total domestic deposits to total assets | 90.6035% | 292 |
| Equity capital to assets | 8.2865% | 5,403 |
| Core capital (leverage) ratio | 8.7072% | 5,054 |
| Tier 1 risk-based capital ratio | 10.7570% | 5,357 |
| Total risk-based capital ratio | 11.6531% | 5,420 |
| Memoranda: | ||
| Average total assets | $71,553,250 | 4,802 |
| Average earning assets | $65,825,500 | 4,793 |
| Average equity | $6,122,250 | 5,142 |
| Average total loans | $60,374,750 | 4,233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 209 |
| Cost of funding earning assets | 1.0160% | 163 |
| Net interest margin | 4.5874% | 486 |
| Noninterest income to average assets | 0.2110% | 4,993 |
| Noninterest expense to average assets | 3.1960% | 1,593 |
| Loan and lease loss provision to assets | 0.3193% | 467 |
| Net operating income to assets | 0.6073% | 4,270 |
| Return on assets (ROA) | 0.6073% | 4,316 |
| Pretax return on assets | 0.9180% | 3,870 |
| Return on Equity (ROE) | 7.0177% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.0177% | 1,585 |
| Net charge-offs to loans | 0.3236% | 631 |
| Credit loss provision to net charge-offs | 116.6667% | 1,817 |
| Earnings coverage of net charge-offs (x) | 4.5208% | 2,915 |
| Efficiency ratio | 72.0900% | 2,325 |
| Assets per employee ($millions) | 5.5182% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 4,924 |
| Loan loss allowance to noncurrent loans | 191.0853% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 3,680 |
| Noncurrent loans to loans | 0.4238% | 3,500 |
| Net loans and leases to total assets | 84.1711% | 426 |
| Net loans and leases to deposits | 92.9510% | 1,365 |
| Net loans and leases to core deposits | 135.3258% | 237 |
| Total domestic deposits to total assets | 90.5543% | 338 |
| Equity capital to assets | 8.6066% | 5,224 |
| Core capital (leverage) ratio | 8.8381% | 4,908 |
| Tier 1 risk-based capital ratio | 10.9770% | 5,263 |
| Total risk-based capital ratio | 11.8535% | 5,349 |
| Memoranda: | ||
| Average total assets | $70,150,330 | 4,862 |
| Average earning assets | $64,568,330 | 4,855 |
| Average equity | $6,070,330 | 5,178 |
| Average total loans | $59,324,000 | 4,282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7436% | 171 |
| Cost of funding earning assets | 0.9866% | 176 |
| Net interest margin | 4.7570% | 335 |
| Noninterest income to average assets | 0.1672% | 5,274 |
| Noninterest expense to average assets | 3.2873% | 1,411 |
| Loan and lease loss provision to assets | 0.2538% | 583 |
| Net operating income to assets | 0.6575% | 3,902 |
| Return on assets (ROA) | 0.6575% | 3,936 |
| Pretax return on assets | 0.9920% | 3,403 |
| Return on Equity (ROE) | 7.5766% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.5766% | 1,617 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5191% | 2,483 |
| Assets per employee ($millions) | 5.3460% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,828 |
| Loan loss allowance to noncurrent loans | 93.2021% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,215 |
| Noncurrent loans to loans | 0.9456% | 2,152 |
| Net loans and leases to total assets | 84.3075% | 333 |
| Net loans and leases to deposits | 93.0652% | 1,213 |
| Net loans and leases to core deposits | 135.2040% | 212 |
| Total domestic deposits to total assets | 90.5897% | 433 |
| Equity capital to assets | 8.7427% | 5,043 |
| Core capital (leverage) ratio | 8.6764% | 5,072 |
| Tier 1 risk-based capital ratio | 10.7721% | 5,428 |
| Total risk-based capital ratio | 11.6958% | 5,490 |
| Memoranda: | ||
| Average total assets | $69,357,500 | 4,927 |
| Average earning assets | $63,653,000 | 4,924 |
| Average equity | $6,018,500 | 5,236 |
| Average total loans | $58,549,000 | 4,334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 190 |
| Cost of funding earning assets | 0.8694% | 348 |
| Net interest margin | 4.8344% | 329 |
| Noninterest income to average assets | 0.1619% | 5,401 |
| Noninterest expense to average assets | 3.5269% | 1,120 |
| Loan and lease loss provision to assets | 0.2193% | 1,005 |
| Net operating income to assets | 0.4942% | 4,654 |
| Return on assets (ROA) | 0.4942% | 4,729 |
| Pretax return on assets | 0.8332% | 4,078 |
| Return on Equity (ROE) | 5.2258% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.6372% | 2,599 |
| Net charge-offs to loans | 0.0473% | 3,091 |
| Credit loss provision to net charge-offs | 565.2174% | 597 |
| Earnings coverage of net charge-offs (x) | 27.1304% | 1,522 |
| Efficiency ratio | 77.0166% | 1,840 |
| Assets per employee ($millions) | 4.9441% | 2,450 |
| Cash dividends to net income (ytd only)* | 11.2628% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 5,042 |
| Loan loss allowance to noncurrent loans | 90.1701% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 2,372 |
| Noncurrent loans to loans | 0.9123% | 2,270 |
| Net loans and leases to total assets | 83.0836% | 472 |
| Net loans and leases to deposits | 91.3159% | 1,534 |
| Net loans and leases to core deposits | 134.5122% | 231 |
| Total domestic deposits to total assets | 90.9849% | 284 |
| Equity capital to assets | 8.6120% | 5,184 |
| Core capital (leverage) ratio | 9.0314% | 4,702 |
| Tier 1 risk-based capital ratio | 10.6675% | 5,502 |
| Total risk-based capital ratio | 11.5211% | 5,609 |
| Memoranda: | ||
| Average total assets | $59,287,200 | 5,157 |
| Average earning assets | $54,174,200 | 5,169 |
| Average equity | $5,606,800 | 5,352 |
| Average total loans | $48,583,200 | 4,612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6404% | 208 |
| Cost of funding earning assets | 0.8355% | 415 |
| Net interest margin | 4.8049% | 361 |
| Noninterest income to average assets | 0.1831% | 5,364 |
| Noninterest expense to average assets | 3.5372% | 1,083 |
| Loan and lease loss provision to assets | 0.1995% | 1,058 |
| Net operating income to assets | 0.5492% | 4,501 |
| Return on assets (ROA) | 0.5492% | 4,607 |
| Pretax return on assets | 0.8332% | 4,210 |
| Return on Equity (ROE) | 5.6538% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.8564% | 2,926 |
| Net charge-offs to loans | 0.0202% | 3,293 |
| Credit loss provision to net charge-offs | 1,214.2857% | 344 |
| Earnings coverage of net charge-offs (x) | 62.8778% | 921 |
| Efficiency ratio | 77.4011% | 1,776 |
| Assets per employee ($millions) | 4.5429% | 3,015 |
| Cash dividends to net income (ytd only)* | 14.1030% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 5,042 |
| Loan loss allowance to noncurrent loans | 169.6970% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 3,407 |
| Noncurrent loans to loans | 0.5005% | 3,506 |
| Net loans and leases to total assets | 82.2267% | 585 |
| Net loans and leases to deposits | 91.5788% | 1,555 |
| Net loans and leases to core deposits | 121.1392% | 473 |
| Total domestic deposits to total assets | 89.7879% | 562 |
| Equity capital to assets | 9.3332% | 4,836 |
| Core capital (leverage) ratio | 9.9921% | 3,583 |
| Tier 1 risk-based capital ratio | 11.7470% | 4,953 |
| Total risk-based capital ratio | 12.6336% | 5,065 |
| Memoranda: | ||
| Average total assets | $56,804,750 | 5,256 |
| Average earning assets | $51,862,500 | 5,261 |
| Average equity | $5,518,250 | 5,421 |
| Average total loans | $46,232,750 | 4,727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 219 |
| Cost of funding earning assets | 0.8189% | 444 |
| Net interest margin | 4.7762% | 389 |
| Noninterest income to average assets | 0.1614% | 5,512 |
| Noninterest expense to average assets | 3.5681% | 1,052 |
| Loan and lease loss provision to assets | 0.1870% | 1,164 |
| Net operating income to assets | 0.4951% | 4,700 |
| Return on assets (ROA) | 0.4951% | 4,800 |
| Pretax return on assets | 0.7481% | 4,464 |
| Return on Equity (ROE) | 5.0195% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.0195% | 2,730 |
| Net charge-offs to loans | 0.0318% | 2,827 |
| Credit loss provision to net charge-offs | 728.5714% | 492 |
| Earnings coverage of net charge-offs (x) | 36.4286% | 1,228 |
| Efficiency ratio | 79.2345% | 1,607 |
| Assets per employee ($millions) | 4.0939% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 5,012 |
| Loan loss allowance to noncurrent loans | 82.1429% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 2,338 |
| Noncurrent loans to loans | 1.0719% | 2,145 |
| Net loans and leases to total assets | 81.3120% | 707 |
| Net loans and leases to deposits | 91.2498% | 1,599 |
| Net loans and leases to core deposits | 119.1949% | 536 |
| Total domestic deposits to total assets | 89.1093% | 872 |
| Equity capital to assets | 10.2416% | 3,921 |
| Core capital (leverage) ratio | 10.6887% | 2,748 |
| Tier 1 risk-based capital ratio | 12.7773% | 4,327 |
| Total risk-based capital ratio | 13.6784% | 4,489 |
| Memoranda: | ||
| Average total assets | $54,539,330 | 5,355 |
| Average earning assets | $49,579,670 | 5,360 |
| Average equity | $5,379,000 | 5,505 |
| Average total loans | $44,062,000 | 4,831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 263 |
| Cost of funding earning assets | 0.8237% | 432 |
| Net interest margin | 4.6622% | 448 |
| Noninterest income to average assets | 0.1580% | 5,543 |
| Noninterest expense to average assets | 3.6575% | 951 |
| Loan and lease loss provision to assets | 0.2258% | 828 |
| Net operating income to assets | 0.3537% | 5,130 |
| Return on assets (ROA) | 0.3537% | 5,217 |
| Pretax return on assets | 0.5343% | 4,998 |
| Return on Equity (ROE) | 3.6622% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.6622% | 3,661 |
| Net charge-offs to loans | 0.0094% | 2,812 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 534 |
| Efficiency ratio | 82.7939% | 1,279 |
| Assets per employee ($millions) | 4.1442% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,993 |
| Loan loss allowance to noncurrent loans | 113.0312% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 2,992 |
| Noncurrent loans to loans | 0.8139% | 2,805 |
| Net loans and leases to total assets | 79.7680% | 849 |
| Net loans and leases to deposits | 89.7369% | 1,608 |
| Net loans and leases to core deposits | 113.0802% | 707 |
| Total domestic deposits to total assets | 88.8910% | 1,161 |
| Equity capital to assets | 10.7323% | 3,218 |
| Core capital (leverage) ratio | 11.0104% | 2,400 |
| Tier 1 risk-based capital ratio | 13.3496% | 4,067 |
| Total risk-based capital ratio | 14.2709% | 4,169 |
| Memoranda: | ||
| Average total assets | $53,151,500 | 5,445 |
| Average earning assets | $48,560,500 | 5,434 |
| Average equity | $5,133,500 | 5,601 |
| Average total loans | $42,584,000 | 4,913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 239 |
| Cost of funding earning assets | 0.7883% | 527 |
| Net interest margin | 4.7996% | 374 |
| Noninterest income to average assets | 0.1599% | 5,624 |
| Noninterest expense to average assets | 3.6033% | 1,119 |
| Loan and lease loss provision to assets | 0.1271% | 1,902 |
| Net operating income to assets | 0.4940% | 4,716 |
| Return on assets (ROA) | 0.4940% | 4,809 |
| Pretax return on assets | 0.8096% | 4,158 |
| Return on Equity (ROE) | 5.4860% | 4,291 |
| Retained earnings to average equity (ytd only) | 4.9169% | 2,482 |
| Net charge-offs to loans | 0.0577% | 3,065 |
| Credit loss provision to net charge-offs | 281.8182% | 1,035 |
| Earnings coverage of net charge-offs (x) | 20.7727% | 1,855 |
| Efficiency ratio | 79.3679% | 1,766 |
| Assets per employee ($millions) | 4.0329% | 3,873 |
| Cash dividends to net income (ytd only)* | 10.3734% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,134 |
| Loan loss allowance to noncurrent loans | 110.4478% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 3,021 |
| Noncurrent loans to loans | 0.8016% | 2,785 |
| Net loans and leases to total assets | 79.0112% | 990 |
| Net loans and leases to deposits | 86.5199% | 2,058 |
| Net loans and leases to core deposits | 110.0531% | 850 |
| Total domestic deposits to total assets | 91.3214% | 207 |
| Equity capital to assets | 8.5546% | 5,515 |
| Core capital (leverage) ratio | 8.7238% | 5,191 |
| Tier 1 risk-based capital ratio | 10.5991% | 5,729 |
| Total risk-based capital ratio | 11.4735% | 5,812 |
| Memoranda: | ||
| Average total assets | $48,788,000 | 5,573 |
| Average earning assets | $44,524,400 | 5,568 |
| Average equity | $4,393,000 | 5,788 |
| Average total loans | $38,130,800 | 5,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 253 |
| Cost of funding earning assets | 0.7720% | 589 |
| Net interest margin | 4.7514% | 418 |
| Noninterest income to average assets | 0.1420% | 5,776 |
| Noninterest expense to average assets | 3.4949% | 1,294 |
| Loan and lease loss provision to assets | 0.0835% | 2,503 |
| Net operating income to assets | 0.5932% | 4,417 |
| Return on assets (ROA) | 0.5932% | 4,519 |
| Pretax return on assets | 0.8995% | 3,983 |
| Return on Equity (ROE) | 6.4986% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.7359% | 2,412 |
| Net charge-offs to loans | 0.0394% | 3,104 |
| Credit loss provision to net charge-offs | 272.7273% | 1,060 |
| Earnings coverage of net charge-offs (x) | 32.0825% | 1,434 |
| Efficiency ratio | 78.0473% | 1,933 |
| Assets per employee ($millions) | 3.8577% | 4,164 |
| Cash dividends to net income (ytd only)* | 11.7363% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,238 |
| Loan loss allowance to noncurrent loans | 93.0667% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,930 |
| Noncurrent loans to loans | 0.9563% | 2,590 |
| Net loans and leases to total assets | 77.4995% | 1,176 |
| Net loans and leases to deposits | 85.9354% | 2,144 |
| Net loans and leases to core deposits | 113.0976% | 705 |
| Total domestic deposits to total assets | 90.1834% | 502 |
| Equity capital to assets | 8.8873% | 5,408 |
| Core capital (leverage) ratio | 8.9837% | 5,009 |
| Tier 1 risk-based capital ratio | 11.0341% | 5,643 |
| Total risk-based capital ratio | 11.8981% | 5,752 |
| Memoranda: | ||
| Average total assets | $47,878,000 | 5,661 |
| Average earning assets | $43,691,750 | 5,662 |
| Average equity | $4,370,000 | 5,865 |
| Average total loans | $37,215,000 | 5,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 299 |
| Cost of funding earning assets | 0.7422% | 677 |
| Net interest margin | 4.6896% | 455 |
| Noninterest income to average assets | 0.2122% | 5,424 |
| Noninterest expense to average assets | 3.5271% | 1,256 |
| Loan and lease loss provision to assets | 0.0424% | 3,260 |
| Net operating income to assets | 0.6154% | 4,269 |
| Return on assets (ROA) | 0.6154% | 4,389 |
| Pretax return on assets | 0.9338% | 3,828 |
| Return on Equity (ROE) | 6.6805% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.6805% | 1,859 |
| Net charge-offs to loans | 0.0547% | 2,629 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,621 |
| Efficiency ratio | 78.3223% | 2,016 |
| Assets per employee ($millions) | 3.8025% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 5,502 |
| Loan loss allowance to noncurrent loans | 88.9488% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 3,139 |
| Noncurrent loans to loans | 0.9414% | 2,775 |
| Net loans and leases to total assets | 79.0541% | 931 |
| Net loans and leases to deposits | 87.4013% | 1,897 |
| Net loans and leases to core deposits | 125.2219% | 352 |
| Total domestic deposits to total assets | 90.4495% | 473 |
| Equity capital to assets | 8.9294% | 5,302 |
| Core capital (leverage) ratio | 9.3873% | 4,441 |
| Tier 1 risk-based capital ratio | 10.7877% | 5,810 |
| Total risk-based capital ratio | 11.5942% | 5,918 |
| Memoranda: | ||
| Average total assets | $47,120,670 | 5,741 |
| Average earning assets | $43,116,670 | 5,734 |
| Average equity | $4,341,000 | 5,931 |
| Average total loans | $36,548,330 | 5,240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 299 |
| Cost of funding earning assets | 0.7984% | 506 |
| Net interest margin | 4.6097% | 490 |
| Noninterest income to average assets | 0.2002% | 5,519 |
| Noninterest expense to average assets | 3.4635% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6353% | 4,115 |
| Return on assets (ROA) | 0.6353% | 4,238 |
| Pretax return on assets | 0.9573% | 3,661 |
| Return on Equity (ROE) | 6.7836% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.7836% | 2,106 |
| Net charge-offs to loans | -0.0114% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3465% | 2,137 |
| Assets per employee ($millions) | 4.2427% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 5,400 |
| Loan loss allowance to noncurrent loans | 222.1477% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,707 |
| Noncurrent loans to loans | 0.4114% | 4,353 |
| Net loans and leases to total assets | 76.8995% | 1,073 |
| Net loans and leases to deposits | 86.1350% | 1,816 |
| Net loans and leases to core deposits | 125.7146% | 299 |
| Total domestic deposits to total assets | 89.2779% | 1,102 |
| Equity capital to assets | 9.3036% | 4,960 |
| Core capital (leverage) ratio | 9.4837% | 4,303 |
| Tier 1 risk-based capital ratio | 11.7019% | 5,435 |
| Total risk-based capital ratio | 12.5940% | 5,545 |
| Memoranda: | ||
| Average total assets | $45,965,000 | 5,819 |
| Average earning assets | $42,085,000 | 5,811 |
| Average equity | $4,304,500 | 5,996 |
| Average total loans | $35,118,500 | 5,324 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0520% | 144 |
| Cost of funding earning assets | 0.6092% | 1,685 |
| Net interest margin | 5.4427% | 149 |
| Noninterest income to average assets | 0.3072% | 4,916 |
| Noninterest expense to average assets | 3.9827% | 766 |
| Loan and lease loss provision to assets | 0.0674% | 3,143 |
| Net operating income to assets | 0.8596% | 3,062 |
| Return on assets (ROA) | 0.8596% | 3,162 |
| Pretax return on assets | 1.3366% | 2,122 |
| Return on Equity (ROE) | 7.7262% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.0965% | 1,355 |
| Net charge-offs to loans | 0.0198% | 4,452 |
| Credit loss provision to net charge-offs | 416.6667% | 622 |
| Earnings coverage of net charge-offs (x) | 86.8333% | 589 |
| Efficiency ratio | 73.9370% | 2,848 |
| Assets per employee ($millions) | 4.1145% | 3,696 |
| Cash dividends to net income (ytd only)* | 8.1505% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 5,199 |
| Loan loss allowance to noncurrent loans | 172.7749% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 4,414 |
| Noncurrent loans to loans | 0.5615% | 3,983 |
| Net loans and leases to total assets | 74.4300% | 1,510 |
| Net loans and leases to deposits | 83.4022% | 2,284 |
| Net loans and leases to core deposits | 120.9196% | 392 |
| Total domestic deposits to total assets | 89.2422% | 1,098 |
| Equity capital to assets | 9.4278% | 4,811 |
| Core capital (leverage) ratio | 9.9441% | 3,649 |
| Tier 1 risk-based capital ratio | 12.3527% | 5,126 |
| Total risk-based capital ratio | 13.3081% | 5,229 |
| Memoranda: | ||
| Average total assets | $37,110,400 | 6,100 |
| Average earning assets | $34,633,400 | 6,076 |
| Average equity | $4,128,800 | 6,063 |
| Average total loans | $30,325,200 | 5,553 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1507% | 135 |
| Cost of funding earning assets | 0.5839% | 1,982 |
| Net interest margin | 5.5668% | 125 |
| Noninterest income to average assets | 0.3117% | 4,950 |
| Noninterest expense to average assets | 4.0676% | 707 |
| Loan and lease loss provision to assets | 0.0190% | 4,028 |
| Net operating income to assets | 0.9542% | 2,664 |
| Return on assets (ROA) | 0.9542% | 2,749 |
| Pretax return on assets | 1.4446% | 1,828 |
| Return on Equity (ROE) | 8.1739% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.3271% | 1,655 |
| Net charge-offs to loans | -0.0045% | 5,286 |
| Credit loss provision to net charge-offs | -500.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5395% | 2,895 |
| Assets per employee ($millions) | 3.7097% | 4,470 |
| Cash dividends to net income (ytd only)* | 10.3598% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,360 |
| Loan loss allowance to noncurrent loans | 177.0950% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 4,533 |
| Noncurrent loans to loans | 0.5458% | 4,283 |
| Net loans and leases to total assets | 79.5966% | 754 |
| Net loans and leases to deposits | 91.1696% | 1,301 |
| Net loans and leases to core deposits | 132.0527% | 216 |
| Total domestic deposits to total assets | 87.3061% | 2,152 |
| Equity capital to assets | 10.2899% | 3,802 |
| Core capital (leverage) ratio | 11.5908% | 1,986 |
| Tier 1 risk-based capital ratio | 13.2620% | 4,687 |
| Total risk-based capital ratio | 14.2632% | 4,784 |
| Memoranda: | ||
| Average total assets | $35,073,000 | 6,229 |
| Average earning assets | $32,884,500 | 6,194 |
| Average equity | $4,094,250 | 6,142 |
| Average total loans | $29,402,250 | 5,644 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2122% | 115 |
| Cost of funding earning assets | 0.5601% | 2,259 |
| Net interest margin | 5.6521% | 109 |
| Noninterest income to average assets | 0.3196% | 4,859 |
| Noninterest expense to average assets | 4.0046% | 757 |
| Loan and lease loss provision to assets | 0.0302% | 3,670 |
| Net operating income to assets | 1.0856% | 1,989 |
| Return on assets (ROA) | 1.0856% | 2,049 |
| Pretax return on assets | 1.6404% | 1,161 |
| Return on Equity (ROE) | 8.8685% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.8685% | 1,033 |
| Net charge-offs to loans | 0.0141% | 3,954 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 436 |
| Efficiency ratio | 70.5632% | 3,560 |
| Assets per employee ($millions) | 3.1277% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,373 |
| Loan loss allowance to noncurrent loans | 71.8535% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 2,534 |
| Noncurrent loans to loans | 1.3850% | 2,486 |
| Net loans and leases to total assets | 90.7949% | 38 |
| Net loans and leases to deposits | 105.3807% | 321 |
| Net loans and leases to core deposits | 120.6426% | 359 |
| Total domestic deposits to total assets | 86.1590% | 2,963 |
| Equity capital to assets | 12.0738% | 1,928 |
| Core capital (leverage) ratio | 12.2133% | 1,546 |
| Tier 1 risk-based capital ratio | 14.5346% | 3,908 |
| Total risk-based capital ratio | 15.6333% | 3,941 |
| Memoranda: | ||
| Average total assets | $33,161,670 | 6,324 |
| Average earning assets | $31,422,000 | 6,286 |
| Average equity | $4,059,330 | 6,195 |
| Average total loans | $28,270,330 | 5,733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8912% | 168 |
| Cost of funding earning assets | 0.5438% | 2,474 |
| Net interest margin | 5.3474% | 153 |
| Noninterest income to average assets | 0.2213% | 5,584 |
| Noninterest expense to average assets | 3.8230% | 944 |
| Loan and lease loss provision to assets | 0.0615% | 2,885 |
| Net operating income to assets | 0.9342% | 2,487 |
| Return on assets (ROA) | 0.9342% | 2,555 |
| Pretax return on assets | 1.4136% | 1,703 |
| Return on Equity (ROE) | 7.5773% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.5773% | 1,779 |
| Net charge-offs to loans | -0.1953% | 6,377 |
| Credit loss provision to net charge-offs | -38.4615% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1578% | 3,456 |
| Assets per employee ($millions) | 3.0964% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,639 |
| Loan loss allowance to noncurrent loans | 78.5203% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.4915% | 2,364 |
| Noncurrent loans to loans | 1.5276% | 2,512 |
| Net loans and leases to total assets | 79.5655% | 598 |
| Net loans and leases to deposits | 90.7295% | 1,067 |
| Net loans and leases to core deposits | 103.7877% | 873 |
| Total domestic deposits to total assets | 87.6952% | 2,410 |
| Equity capital to assets | 11.8908% | 1,948 |
| Core capital (leverage) ratio | 12.8653% | 1,217 |
| Tier 1 risk-based capital ratio | 15.5865% | 3,386 |
| Total risk-based capital ratio | 16.8373% | 3,352 |
| Memoranda: | ||
| Average total assets | $32,540,000 | 6,403 |
| Average earning assets | $30,893,500 | 6,362 |
| Average equity | $4,012,000 | 6,249 |
| Average total loans | $26,629,500 | 5,867 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3435% | 109 |
| Cost of funding earning assets | 0.4930% | 3,674 |
| Net interest margin | 5.8505% | 92 |
| Noninterest income to average assets | 0.3341% | 4,947 |
| Noninterest expense to average assets | 4.4465% | 545 |
| Loan and lease loss provision to assets | 0.0768% | 3,571 |
| Net operating income to assets | 0.9408% | 2,601 |
| Return on assets (ROA) | 0.9408% | 2,679 |
| Pretax return on assets | 1.3247% | 2,056 |
| Return on Equity (ROE) | 6.3344% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.7138% | 2,153 |
| Net charge-offs to loans | 0.1292% | 3,520 |
| Credit loss provision to net charge-offs | 71.4286% | 3,265 |
| Earnings coverage of net charge-offs (x) | 13.0357% | 2,071 |
| Efficiency ratio | 76.0341% | 2,763 |
| Assets per employee ($millions) | 2.8200% | 6,079 |
| Cash dividends to net income (ytd only)* | 9.7959% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 4,640 |
| Loan loss allowance to noncurrent loans | 51.9199% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 2.2502% | 1,579 |
| Noncurrent loans to loans | 2.3190% | 1,660 |
| Net loans and leases to total assets | 82.2663% | 393 |
| Net loans and leases to deposits | 94.4484% | 844 |
| Net loans and leases to core deposits | 108.3195% | 679 |
| Total domestic deposits to total assets | 87.1019% | 2,668 |
| Equity capital to assets | 12.8111% | 1,360 |
| Core capital (leverage) ratio | 13.4671% | 965 |
| Tier 1 risk-based capital ratio | 16.3452% | 2,937 |
| Total risk-based capital ratio | 17.5955% | 2,890 |
| Memoranda: | ||
| Average total assets | $26,042,800 | 6,606 |
| Average earning assets | $24,545,000 | 6,565 |
| Average equity | $3,867,800 | 6,357 |
| Average total loans | $21,667,600 | 6,125 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3275% | 117 |
| Cost of funding earning assets | 0.4744% | 4,025 |
| Net interest margin | 5.8531% | 94 |
| Noninterest income to average assets | 0.4140% | 4,417 |
| Noninterest expense to average assets | 4.3012% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0699% | 2,117 |
| Return on assets (ROA) | 1.0699% | 2,203 |
| Pretax return on assets | 1.6184% | 1,299 |
| Return on Equity (ROE) | 6.9074% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.0743% | 2,361 |
| Net charge-offs to loans | -0.0064% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6612% | 3,291 |
| Assets per employee ($millions) | 2.4896% | 6,486 |
| Cash dividends to net income (ytd only)* | 12.0605% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,019 |
| Loan loss allowance to noncurrent loans | 138.5281% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 3,639 |
| Noncurrent loans to loans | 0.9902% | 3,830 |
| Net loans and leases to total assets | 84.0174% | 245 |
| Net loans and leases to deposits | 99.4167% | 491 |
| Net loans and leases to core deposits | 105.1263% | 811 |
| Total domestic deposits to total assets | 84.5103% | 3,970 |
| Equity capital to assets | 14.3431% | 869 |
| Core capital (leverage) ratio | 15.3606% | 583 |
| Tier 1 risk-based capital ratio | 18.1608% | 2,265 |
| Total risk-based capital ratio | 19.4138% | 2,228 |
| Memoranda: | ||
| Average total assets | $24,798,500 | 6,701 |
| Average earning assets | $23,326,000 | 6,664 |
| Average equity | $3,841,250 | 6,442 |
| Average total loans | $20,627,000 | 6,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2905% | 122 |
| Cost of funding earning assets | 0.4811% | 4,079 |
| Net interest margin | 5.8093% | 96 |
| Noninterest income to average assets | 0.4261% | 4,332 |
| Noninterest expense to average assets | 4.2614% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0612% | 2,073 |
| Return on assets (ROA) | 1.0612% | 2,188 |
| Pretax return on assets | 1.6126% | 1,332 |
| Return on Equity (ROE) | 6.6626% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.6626% | 2,063 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5462% | 3,380 |
| Assets per employee ($millions) | 2.4476% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 3,382 |
| Loan loss allowance to noncurrent loans | 82.5974% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 2,481 |
| Noncurrent loans to loans | 1.8716% | 2,532 |
| Net loans and leases to total assets | 82.7464% | 311 |
| Net loans and leases to deposits | 99.3476% | 461 |
| Net loans and leases to core deposits | 105.8593% | 744 |
| Total domestic deposits to total assets | 83.2898% | 4,592 |
| Equity capital to assets | 15.8523% | 547 |
| Core capital (leverage) ratio | 15.9974% | 467 |
| Tier 1 risk-based capital ratio | 20.7066% | 1,569 |
| Total risk-based capital ratio | 21.9607% | 1,535 |
| Memoranda: | ||
| Average total assets | $23,936,000 | 6,769 |
| Average earning assets | $22,446,670 | 6,739 |
| Average equity | $3,812,330 | 6,495 |
| Average total loans | $19,726,330 | 6,318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1102% | 143 |
| Cost of funding earning assets | 0.5227% | 3,860 |
| Net interest margin | 5.5875% | 111 |
| Noninterest income to average assets | 0.2873% | 5,400 |
| Noninterest expense to average assets | 4.2255% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8620% | 2,855 |
| Return on assets (ROA) | 0.8620% | 2,987 |
| Pretax return on assets | 1.3014% | 2,227 |
| Return on Equity (ROE) | 5.3990% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3990% | 3,006 |
| Net charge-offs to loans | -0.0414% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4526% | 2,853 |
| Assets per employee ($millions) | 2.3984% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,233 |
| Loan loss allowance to noncurrent loans | 103.2258% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 3,002 |
| Noncurrent loans to loans | 1.5887% | 3,153 |
| Net loans and leases to total assets | 80.0242% | 420 |
| Net loans and leases to deposits | 95.6255% | 561 |
| Net loans and leases to core deposits | 100.4081% | 922 |
| Total domestic deposits to total assets | 83.6850% | 4,599 |
| Equity capital to assets | 15.8606% | 582 |
| Core capital (leverage) ratio | 16.0723% | 442 |
| Tier 1 risk-based capital ratio | 21.5928% | 1,404 |
| Total risk-based capital ratio | 22.8472% | 1,382 |
| Memoranda: | ||
| Average total assets | $23,666,000 | 6,843 |
| Average earning assets | $22,192,500 | 6,811 |
| Average equity | $3,778,500 | 6,564 |
| Average total loans | $19,304,000 | 6,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9910% | 76 |
| Cost of funding earning assets | 0.5958% | 4,398 |
| Net interest margin | 6.3952% | 66 |
| Noninterest income to average assets | 0.3665% | 4,858 |
| Noninterest expense to average assets | 4.5833% | 529 |
| Loan and lease loss provision to assets | 0.2156% | 2,977 |
| Net operating income to assets | 0.9486% | 2,556 |
| Return on assets (ROA) | 0.9486% | 2,808 |
| Pretax return on assets | 1.4918% | 1,697 |
| Return on Equity (ROE) | 5.9130% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.1873% | 2,585 |
| Net charge-offs to loans | 0.3853% | 2,712 |
| Credit loss provision to net charge-offs | 70.4225% | 4,145 |
| Earnings coverage of net charge-offs (x) | 5.5775% | 3,002 |
| Efficiency ratio | 72.8581% | 3,267 |
| Assets per employee ($millions) | 2.3348% | 6,752 |
| Cash dividends to net income (ytd only)* | 12.2727% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,037 |
| Loan loss allowance to noncurrent loans | 67.0168% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.2529% | 2,180 |
| Noncurrent loans to loans | 2.4928% | 2,124 |
| Net loans and leases to total assets | 80.4180% | 431 |
| Net loans and leases to deposits | 96.0016% | 613 |
| Net loans and leases to core deposits | 100.9245% | 964 |
| Total domestic deposits to total assets | 83.7673% | 4,414 |
| Equity capital to assets | 16.0742% | 545 |
| Core capital (leverage) ratio | 15.9709% | 461 |
| Tier 1 risk-based capital ratio | 21.9551% | 1,274 |
| Total risk-based capital ratio | 23.2128% | 1,244 |
| Memoranda: | ||
| Average total assets | $23,193,000 | 6,904 |
| Average earning assets | $21,484,800 | 6,871 |
| Average equity | $3,720,600 | 6,630 |
| Average total loans | $18,427,800 | 6,490 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9980% | 80 |
| Cost of funding earning assets | 0.6107% | 4,535 |
| Net interest margin | 6.3873% | 69 |
| Noninterest income to average assets | 0.3340% | 5,131 |
| Noninterest expense to average assets | 3.4205% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8600% | 508 |
| Return on assets (ROA) | 1.8600% | 579 |
| Pretax return on assets | 2.8159% | 187 |
| Return on Equity (ROE) | 11.6003% | 1,758 |
| Retained earnings to average equity (ytd only) | 10.6306% | 755 |
| Net charge-offs to loans | 0.2629% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.5829% | 1,900 |
| Efficiency ratio | 54.8476% | 6,160 |
| Assets per employee ($millions) | 2.3840% | 6,797 |
| Cash dividends to net income (ytd only)* | 8.3593% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,400 |
| Loan loss allowance to noncurrent loans | 72.9017% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9589% | 2,703 |
| Noncurrent loans to loans | 2.2402% | 2,570 |
| Net loans and leases to total assets | 76.8037% | 869 |
| Net loans and leases to deposits | 92.5917% | 911 |
| Net loans and leases to core deposits | 97.2746% | 1,315 |
| Total domestic deposits to total assets | 82.9488% | 4,656 |
| Equity capital to assets | 16.1745% | 572 |
| Core capital (leverage) ratio | 16.3231% | 442 |
| Tier 1 risk-based capital ratio | 23.1717% | 1,146 |
| Total risk-based capital ratio | 24.4276% | 1,120 |
| Memoranda: | ||
| Average total assets | $23,154,250 | 6,999 |
| Average earning assets | $21,396,000 | 6,965 |
| Average equity | $3,712,500 | 6,717 |
| Average total loans | $18,261,000 | 6,586 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0655% | 77 |
| Cost of funding earning assets | 0.6243% | 4,684 |
| Net interest margin | 6.4412% | 69 |
| Noninterest income to average assets | 0.3402% | 5,109 |
| Noninterest expense to average assets | 3.5157% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8233% | 537 |
| Return on assets (ROA) | 1.8233% | 609 |
| Pretax return on assets | 2.7655% | 200 |
| Return on Equity (ROE) | 11.4062% | 1,846 |
| Retained earnings to average equity (ytd only) | 11.4062% | 674 |
| Net charge-offs to loans | 0.0882% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 39.6250% | 881 |
| Efficiency ratio | 55.9722% | 6,116 |
| Assets per employee ($millions) | 2.3652% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 2,902 |
| Loan loss allowance to noncurrent loans | 78.8599% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 2,789 |
| Noncurrent loans to loans | 2.2645% | 2,660 |
| Net loans and leases to total assets | 77.1985% | 814 |
| Net loans and leases to deposits | 92.5022% | 886 |
| Net loans and leases to core deposits | 97.1844% | 1,333 |
| Total domestic deposits to total assets | 83.4559% | 4,552 |
| Equity capital to assets | 15.9310% | 597 |
| Core capital (leverage) ratio | 16.4276% | 420 |
| Tier 1 risk-based capital ratio | 23.0826% | 1,118 |
| Total risk-based capital ratio | 24.3445% | 1,101 |
| Memoranda: | ||
| Average total assets | $22,925,670 | 7,061 |
| Average earning assets | $21,145,000 | 7,027 |
| Average equity | $3,664,670 | 6,766 |
| Average total loans | $18,143,330 | 6,641 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1282% | 81 |
| Cost of funding earning assets | 0.6306% | 4,884 |
| Net interest margin | 6.4975% | 67 |
| Noninterest income to average assets | 0.3368% | 5,164 |
| Noninterest expense to average assets | 3.5102% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8792% | 511 |
| Return on assets (ROA) | 1.8792% | 587 |
| Pretax return on assets | 2.8543% | 212 |
| Return on Equity (ROE) | 11.7354% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.7354% | 869 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1532% | 6,211 |
| Assets per employee ($millions) | 2.5821% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 2,813 |
| Loan loss allowance to noncurrent loans | 56.7613% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8228% | 2,075 |
| Noncurrent loans to loans | 3.2743% | 1,955 |
| Net loans and leases to total assets | 77.2581% | 665 |
| Net loans and leases to deposits | 92.1096% | 789 |
| Net loans and leases to core deposits | 98.3727% | 1,103 |
| Total domestic deposits to total assets | 83.8762% | 4,557 |
| Equity capital to assets | 15.7752% | 607 |
| Core capital (leverage) ratio | 16.1122% | 447 |
| Tier 1 risk-based capital ratio | 22.9642% | 1,136 |
| Total risk-based capital ratio | 24.2233% | 1,121 |
| Memoranda: | ||
| Average total assets | $22,562,500 | 7,128 |
| Average earning assets | $20,931,000 | 7,093 |
| Average equity | $3,613,000 | 6,816 |
| Average total loans | $17,919,500 | 6,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9983% | 92 |
| Cost of funding earning assets | 0.7518% | 5,200 |
| Net interest margin | 6.2465% | 76 |
| Noninterest income to average assets | 0.4457% | 4,259 |
| Noninterest expense to average assets | 4.5996% | 530 |
| Loan and lease loss provision to assets | 0.1897% | 4,286 |
| Net operating income to assets | 0.8109% | 2,988 |
| Return on assets (ROA) | 0.8109% | 3,160 |
| Pretax return on assets | 1.4083% | 1,757 |
| Return on Equity (ROE) | 4.8373% | 4,464 |
| Retained earnings to average equity (ytd only) | 4.1584% | 3,222 |
| Net charge-offs to loans | 0.0128% | 6,252 |
| Credit loss provision to net charge-offs | 2,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 168.5000% | 202 |
| Efficiency ratio | 74.2158% | 3,193 |
| Assets per employee ($millions) | 2.7358% | 6,555 |
| Cash dividends to net income (ytd only)* | 14.0351% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 2,460 |
| Loan loss allowance to noncurrent loans | 101.7964% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.7865% | 3,271 |
| Noncurrent loans to loans | 1.9037% | 3,340 |
| Net loans and leases to total assets | 78.6119% | 646 |
| Net loans and leases to deposits | 94.3257% | 789 |
| Net loans and leases to core deposits | 101.1940% | 1,079 |
| Total domestic deposits to total assets | 83.3409% | 4,608 |
| Equity capital to assets | 16.2661% | 545 |
| Core capital (leverage) ratio | 16.0795% | 454 |
| Tier 1 risk-based capital ratio | 24.4926% | 927 |
| Total risk-based capital ratio | 25.7585% | 911 |
| Memoranda: | ||
| Average total assets | $21,088,800 | 7,181 |
| Average earning assets | $19,419,000 | 7,154 |
| Average equity | $3,535,000 | 6,869 |
| Average total loans | $15,584,400 | 6,875 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9119% | 109 |
| Cost of funding earning assets | 0.7703% | 5,332 |
| Net interest margin | 6.1416% | 79 |
| Noninterest income to average assets | 0.4659% | 4,161 |
| Noninterest expense to average assets | 3.5360% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7042% | 624 |
| Return on assets (ROA) | 1.7042% | 682 |
| Pretax return on assets | 2.5786% | 213 |
| Return on Equity (ROE) | 10.0883% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.1814% | 1,084 |
| Net charge-offs to loans | -0.0177% | 6,883 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8288% | 6,041 |
| Assets per employee ($millions) | 2.7746% | 6,532 |
| Cash dividends to net income (ytd only)* | 8.9890% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 2,850 |
| Loan loss allowance to noncurrent loans | 61.5385% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.5274% | 2,550 |
| Noncurrent loans to loans | 2.9650% | 2,346 |
| Net loans and leases to total assets | 73.6901% | 1,375 |
| Net loans and leases to deposits | 89.0953% | 1,311 |
| Net loans and leases to core deposits | 93.9248% | 1,797 |
| Total domestic deposits to total assets | 82.7094% | 4,791 |
| Equity capital to assets | 16.4707% | 551 |
| Core capital (leverage) ratio | 16.6864% | 425 |
| Tier 1 risk-based capital ratio | 26.1891% | 816 |
| Total risk-based capital ratio | 27.4499% | 794 |
| Memoranda: | ||
| Average total assets | $20,889,500 | 7,259 |
| Average earning assets | $19,212,750 | 7,230 |
| Average equity | $3,528,750 | 6,928 |
| Average total loans | $15,094,250 | 6,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8368% | 133 |
| Cost of funding earning assets | 0.7987% | 5,373 |
| Net interest margin | 6.0381% | 92 |
| Noninterest income to average assets | 0.4889% | 3,956 |
| Noninterest expense to average assets | 3.6864% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5450% | 814 |
| Return on assets (ROA) | 1.5450% | 866 |
| Pretax return on assets | 2.3468% | 318 |
| Return on Equity (ROE) | 9.0640% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.0640% | 1,083 |
| Net charge-offs to loans | -0.0274% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1021% | 5,714 |
| Assets per employee ($millions) | 2.4328% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 2,853 |
| Loan loss allowance to noncurrent loans | 83.0601% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9776% | 3,265 |
| Noncurrent loans to loans | 2.2178% | 3,208 |
| Net loans and leases to total assets | 73.9849% | 1,419 |
| Net loans and leases to deposits | 88.9566% | 1,379 |
| Net loans and leases to core deposits | 93.8094% | 1,919 |
| Total domestic deposits to total assets | 83.1697% | 4,691 |
| Equity capital to assets | 16.3097% | 574 |
| Core capital (leverage) ratio | 16.8467% | 420 |
| Tier 1 risk-based capital ratio | 25.3983% | 866 |
| Total risk-based capital ratio | 26.6572% | 849 |
| Memoranda: | ||
| Average total assets | $20,453,670 | 7,334 |
| Average earning assets | $18,780,670 | 7,311 |
| Average equity | $3,486,330 | 6,985 |
| Average total loans | $14,572,000 | 7,058 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4638% | 224 |
| Cost of funding earning assets | 0.8663% | 5,162 |
| Net interest margin | 5.5975% | 141 |
| Noninterest income to average assets | 0.5068% | 3,829 |
| Noninterest expense to average assets | 3.7095% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2568% | 1,372 |
| Return on assets (ROA) | 1.2568% | 1,426 |
| Pretax return on assets | 1.9054% | 672 |
| Return on Equity (ROE) | 7.2009% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.2009% | 2,067 |
| Net charge-offs to loans | -0.0588% | 6,936 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0650% | 5,029 |
| Assets per employee ($millions) | 2.2119% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 2,180 |
| Loan loss allowance to noncurrent loans | 60.3175% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9085% | 2,372 |
| Noncurrent loans to loans | 3.4901% | 2,136 |
| Net loans and leases to total assets | 71.0152% | 1,919 |
| Net loans and leases to deposits | 86.3012% | 1,680 |
| Net loans and leases to core deposits | 93.2951% | 1,977 |
| Total domestic deposits to total assets | 82.2876% | 5,193 |
| Equity capital to assets | 17.4562% | 404 |
| Core capital (leverage) ratio | 17.6155% | 354 |
| Tier 1 risk-based capital ratio | 27.0155% | 706 |
| Total risk-based capital ratio | 28.2827% | 686 |
| Memoranda: | ||
| Average total assets | $19,733,000 | 7,414 |
| Average earning assets | $18,008,000 | 7,384 |
| Average equity | $3,444,000 | 7,029 |
| Average total loans | $13,606,500 | 7,164 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 597 |
| Cost of funding earning assets | 0.9977% | 5,710 |
| Net interest margin | 5.1804% | 295 |
| Noninterest income to average assets | 0.4557% | 4,478 |
| Noninterest expense to average assets | 4.0553% | 1,084 |
| Loan and lease loss provision to assets | 0.2025% | 5,218 |
| Net operating income to assets | 0.7493% | 3,000 |
| Return on assets (ROA) | 0.7493% | 3,125 |
| Pretax return on assets | 0.9822% | 2,987 |
| Return on Equity (ROE) | 4.3927% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.8585% | 3,162 |
| Net charge-offs to loans | 0.0082% | 6,759 |
| Credit loss provision to net charge-offs | 4,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 100 |
| Efficiency ratio | 77.3913% | 2,811 |
| Assets per employee ($millions) | 2.1732% | 7,320 |
| Cash dividends to net income (ytd only)* | 12.1622% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,601 |
| Loan loss allowance to noncurrent loans | 76.2626% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.4081% | 2,860 |
| Noncurrent loans to loans | 3.1005% | 2,461 |
| Net loans and leases to total assets | 63.7558% | 3,924 |
| Net loans and leases to deposits | 77.3957% | 3,607 |
| Net loans and leases to core deposits | 82.1746% | 3,885 |
| Total domestic deposits to total assets | 82.3764% | 5,068 |
| Equity capital to assets | 17.4498% | 409 |
| Core capital (leverage) ratio | 17.1009% | 393 |
| Tier 1 risk-based capital ratio | 28.7411% | 554 |
| Total risk-based capital ratio | 30.0042% | 548 |
| Memoranda: | ||
| Average total assets | $19,751,800 | 7,474 |
| Average earning assets | $18,242,000 | 7,444 |
| Average equity | $3,369,200 | 7,170 |
| Average total loans | $12,229,400 | 7,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 864 |
| Cost of funding earning assets | 1.0161% | 5,864 |
| Net interest margin | 5.0223% | 418 |
| Noninterest income to average assets | 0.4444% | 4,601 |
| Noninterest expense to average assets | 3.4477% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0909% | 1,919 |
| Return on assets (ROA) | 1.0909% | 2,029 |
| Pretax return on assets | 1.6565% | 1,200 |
| Return on Equity (ROE) | 6.4316% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.7173% | 2,532 |
| Net charge-offs to loans | -0.0110% | 7,276 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5462% | 4,553 |
| Assets per employee ($millions) | 2.2107% | 7,376 |
| Cash dividends to net income (ytd only)* | 11.1116% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 2,003 |
| Loan loss allowance to noncurrent loans | 64.5477% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,940 |
| Noncurrent loans to loans | 3.2484% | 2,439 |
| Net loans and leases to total assets | 61.9572% | 4,541 |
| Net loans and leases to deposits | 75.5238% | 4,262 |
| Net loans and leases to core deposits | 80.1027% | 4,504 |
| Total domestic deposits to total assets | 82.0366% | 4,976 |
| Equity capital to assets | 17.2246% | 495 |
| Core capital (leverage) ratio | 16.9822% | 431 |
| Tier 1 risk-based capital ratio | 28.8080% | 581 |
| Total risk-based capital ratio | 30.0689% | 566 |
| Memoranda: | ||
| Average total assets | $19,800,000 | 7,571 |
| Average earning assets | $18,370,750 | 7,536 |
| Average equity | $3,358,250 | 7,269 |
| Average total loans | $12,093,750 | 7,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9512% | 1,048 |
| Cost of funding earning assets | 1.0444% | 5,947 |
| Net interest margin | 4.9067% | 530 |
| Noninterest income to average assets | 0.4452% | 4,562 |
| Noninterest expense to average assets | 3.3792% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0724% | 1,939 |
| Return on assets (ROA) | 1.0724% | 2,014 |
| Pretax return on assets | 1.6289% | 1,214 |
| Return on Equity (ROE) | 6.3562% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.3562% | 2,142 |
| Net charge-offs to loans | -0.0168% | 7,260 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4747% | 4,679 |
| Assets per employee ($millions) | 2.2357% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,934 |
| Loan loss allowance to noncurrent loans | 103.5294% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 3,977 |
| Noncurrent loans to loans | 2.0447% | 3,660 |
| Net loans and leases to total assets | 60.6680% | 4,936 |
| Net loans and leases to deposits | 73.4167% | 4,768 |
| Net loans and leases to core deposits | 77.7665% | 4,991 |
| Total domestic deposits to total assets | 82.6351% | 4,725 |
| Equity capital to assets | 16.8431% | 553 |
| Core capital (leverage) ratio | 16.8800% | 455 |
| Tier 1 risk-based capital ratio | 29.2432% | 553 |
| Total risk-based capital ratio | 30.5031% | 539 |
| Memoranda: | ||
| Average total assets | $19,768,000 | 7,633 |
| Average earning assets | $18,383,000 | 7,604 |
| Average equity | $3,335,330 | 7,316 |
| Average total loans | $11,928,000 | 7,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0477% | 891 |
| Cost of funding earning assets | 1.0956% | 5,932 |
| Net interest margin | 4.9521% | 459 |
| Noninterest income to average assets | 0.4492% | 4,473 |
| Noninterest expense to average assets | 3.4913% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0413% | 2,028 |
| Return on assets (ROA) | 1.0413% | 2,090 |
| Pretax return on assets | 1.5721% | 1,335 |
| Return on Equity (ROE) | 6.1659% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.1659% | 2,540 |
| Net charge-offs to loans | -0.0343% | 7,236 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9516% | 4,514 |
| Assets per employee ($millions) | 2.4700% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,571 |
| Loan loss allowance to noncurrent loans | 106.8826% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6296% | 4,044 |
| Noncurrent loans to loans | 2.1568% | 3,582 |
| Net loans and leases to total assets | 56.6194% | 5,659 |
| Net loans and leases to deposits | 68.3779% | 5,545 |
| Net loans and leases to core deposits | 72.4799% | 5,657 |
| Total domestic deposits to total assets | 82.8036% | 4,717 |
| Equity capital to assets | 16.8725% | 547 |
| Core capital (leverage) ratio | 17.0720% | 453 |
| Tier 1 risk-based capital ratio | 30.8532% | 482 |
| Total risk-based capital ratio | 32.1210% | 472 |
| Memoranda: | ||
| Average total assets | $19,591,500 | 7,728 |
| Average earning assets | $18,255,000 | 7,701 |
| Average equity | $3,308,500 | 7,403 |
| Average total loans | $11,656,500 | 7,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5643% | 588 |
| Cost of funding earning assets | 1.3817% | 6,010 |
| Net interest margin | 5.1826% | 306 |
| Noninterest income to average assets | 0.4752% | 4,611 |
| Noninterest expense to average assets | 4.0263% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9879% | 1,880 |
| Return on assets (ROA) | 0.9879% | 1,930 |
| Pretax return on assets | 1.1961% | 1,966 |
| Return on Equity (ROE) | 5.7557% | 3,308 |
| Retained earnings to average equity (ytd only) | 5.1957% | 1,717 |
| Net charge-offs to loans | 0.1739% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,613 |
| Efficiency ratio | 77.0961% | 3,348 |
| Assets per employee ($millions) | 2.4279% | 7,321 |
| Cash dividends to net income (ytd only)* | 9.7297% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 1,617 |
| Loan loss allowance to noncurrent loans | 72.6519% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 3,068 |
| Noncurrent loans to loans | 3.0520% | 2,524 |
| Net loans and leases to total assets | 59.7127% | 5,379 |
| Net loans and leases to deposits | 72.1538% | 5,304 |
| Net loans and leases to core deposits | 93.0819% | 4,773 |
| Total domestic deposits to total assets | 82.7576% | 4,637 |
| Equity capital to assets | 16.9026% | 565 |
| Core capital (leverage) ratio | 17.3980% | 444 |
| Tier 1 risk-based capital ratio | 29.6246% | 547 |
| Total risk-based capital ratio | 30.8879% | 528 |
| Memoranda: | ||
| Average total assets | $18,727,000 | 7,813 |
| Average earning assets | $17,153,400 | 7,785 |
| Average equity | $3,214,200 | 7,528 |
| Average total loans | $11,497,800 | 7,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6614% | 544 |
| Cost of funding earning assets | 1.4426% | 6,069 |
| Net interest margin | 5.2187% | 293 |
| Noninterest income to average assets | 0.8911% | 2,018 |
| Noninterest expense to average assets | 3.5141% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4086% | 1,004 |
| Return on assets (ROA) | 1.4086% | 1,072 |
| Pretax return on assets | 2.1344% | 412 |
| Return on Equity (ROE) | 8.1742% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.4235% | 1,339 |
| Net charge-offs to loans | -0.0117% | 7,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2137% | 6,068 |
| Assets per employee ($millions) | 2.3270% | 7,469 |
| Cash dividends to net income (ytd only)* | 9.1838% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4814% | 1,082 |
| Loan loss allowance to noncurrent loans | 123.4783% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.4280% | 2,837 |
| Noncurrent loans to loans | 2.0096% | 3,629 |
| Net loans and leases to total assets | 59.9538% | 5,587 |
| Net loans and leases to deposits | 73.6700% | 5,411 |
| Net loans and leases to core deposits | 88.9464% | 5,535 |
| Total domestic deposits to total assets | 81.3816% | 4,933 |
| Equity capital to assets | 17.6945% | 542 |
| Core capital (leverage) ratio | 17.5017% | 503 |
| Tier 1 risk-based capital ratio | 30.8456% | 524 |
| Total risk-based capital ratio | 32.1097% | 509 |
| Memoranda: | ||
| Average total assets | $18,553,000 | 7,895 |
| Average earning assets | $16,913,000 | 7,874 |
| Average equity | $3,197,000 | 7,602 |
| Average total loans | $11,407,000 | 7,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6676% | 576 |
| Cost of funding earning assets | 1.5121% | 6,090 |
| Net interest margin | 5.1555% | 325 |
| Noninterest income to average assets | 0.5612% | 3,957 |
| Noninterest expense to average assets | 3.4643% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1656% | 1,572 |
| Return on assets (ROA) | 1.1656% | 1,651 |
| Pretax return on assets | 1.7699% | 897 |
| Return on Equity (ROE) | 6.8254% | 3,276 |
| Retained earnings to average equity (ytd only) | 6.8254% | 1,654 |
| Net charge-offs to loans | -0.0702% | 7,899 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1856% | 5,520 |
| Assets per employee ($millions) | 2.3403% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4407% | 951 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 5.4321% | 934 |
| Noncurrent loans to loans | 4.5327% | 1,417 |
| Net loans and leases to total assets | 61.2755% | 5,475 |
| Net loans and leases to deposits | 74.5758% | 5,366 |
| Net loans and leases to core deposits | 89.8145% | 5,552 |
| Total domestic deposits to total assets | 82.1654% | 4,623 |
| Equity capital to assets | 17.2204% | 633 |
| Core capital (leverage) ratio | 17.1690% | 596 |
| Tier 1 risk-based capital ratio | 28.5537% | 683 |
| Total risk-based capital ratio | 29.8202% | 673 |
| Memoranda: | ||
| Average total assets | $18,532,000 | 7,977 |
| Average earning assets | $16,797,670 | 7,952 |
| Average equity | $3,164,670 | 7,677 |
| Average total loans | $11,394,330 | 7,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4435% | 968 |
| Cost of funding earning assets | 1.6049% | 6,019 |
| Net interest margin | 4.8386% | 564 |
| Noninterest income to average assets | 0.5424% | 3,981 |
| Noninterest expense to average assets | 3.6665% | 1,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8244% | 3,027 |
| Return on assets (ROA) | 0.8244% | 3,183 |
| Pretax return on assets | 1.2583% | 2,418 |
| Return on Equity (ROE) | 4.8485% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.8485% | 3,211 |
| Net charge-offs to loans | -0.0714% | 7,798 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4493% | 3,743 |
| Assets per employee ($millions) | 2.3264% | 7,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5374% | 734 |
| Loan loss allowance to noncurrent loans | 89.3417% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 4.3147% | 1,141 |
| Noncurrent loans to loans | 2.8401% | 2,303 |
| Net loans and leases to total assets | 58.8201% | 5,831 |
| Net loans and leases to deposits | 71.1260% | 5,853 |
| Net loans and leases to core deposits | 84.5851% | 6,018 |
| Total domestic deposits to total assets | 82.6984% | 4,288 |
| Equity capital to assets | 16.9470% | 727 |
| Core capital (leverage) ratio | 17.1115% | 638 |
| Tier 1 risk-based capital ratio | 29.2905% | 667 |
| Total risk-based capital ratio | 30.5535% | 647 |
| Memoranda: | ||
| Average total assets | $18,437,000 | 8,024 |
| Average earning assets | $16,699,000 | 8,009 |
| Average equity | $3,135,000 | 7,745 |
| Average total loans | $11,212,000 | 7,847 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4965% | 413 |
| Cost of funding earning assets | 2.2737% | 5,272 |
| Net interest margin | 5.2228% | 323 |
| Noninterest income to average assets | 0.6530% | 3,452 |
| Noninterest expense to average assets | 4.2805% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9766% | 2,652 |
| Return on assets (ROA) | 0.9766% | 2,533 |
| Pretax return on assets | 1.0771% | 3,113 |
| Return on Equity (ROE) | 5.7524% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.1607% | 1,927 |
| Net charge-offs to loans | 0.6971% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.4430% | 4,855 |
| Efficiency ratio | 79.8958% | 2,614 |
| Assets per employee ($millions) | 2.0292% | 7,896 |
| Cash dividends to net income (ytd only)* | 10.2857% | 4,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5286% | 657 |
| Loan loss allowance to noncurrent loans | 47.2454% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 5.9245% | 513 |
| Noncurrent loans to loans | 5.3520% | 787 |
| Net loans and leases to total assets | 59.7328% | 5,952 |
| Net loans and leases to deposits | 72.2498% | 6,031 |
| Net loans and leases to core deposits | 86.1282% | 6,125 |
| Total domestic deposits to total assets | 82.6754% | 3,907 |
| Equity capital to assets | 17.0618% | 769 |
| Core capital (leverage) ratio | 17.1397% | 681 |
| Tier 1 risk-based capital ratio | 28.6713% | 722 |
| Total risk-based capital ratio | 29.9411% | 709 |
| Memoranda: | ||
| Average total assets | $17,918,400 | 8,076 |
| Average earning assets | $16,140,800 | 8,066 |
| Average equity | $3,042,200 | 7,825 |
| Average total loans | $11,332,200 | 7,871 |