Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 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 | 6.8027% | 68 |
| Cost of funding earning assets | 0.5319% | 3,333 |
| Net interest margin | 6.2707% | 52 |
| Noninterest income to average assets | 0.5793% | 2,213 |
| Noninterest expense to average assets | 3.3942% | 859 |
| Loan and lease loss provision to assets | 1.3438% | 108 |
| Net operating income to assets | 0.9914% | 2,355 |
| Return on assets (ROA) | 0.9914% | 2,487 |
| Pretax return on assets | 1.0750% | 2,791 |
| Return on Equity (ROE) | 5.4773% | 3,682 |
| Retained earnings to average equity (ytd only) | 5.4773% | 2,281 |
| Net charge-offs to loans | 0.2194% | 704 |
| Credit loss provision to net charge-offs | 784.8837% | 928 |
| Earnings coverage of net charge-offs (x) | 14.1279% | 1,959 |
| Efficiency ratio | 55.5137% | 4,002 |
| Assets per employee ($millions) | 4.6340% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 946 |
| Loan loss allowance to noncurrent loans | 692.4731% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,660 |
| Noncurrent loans to loans | 0.2349% | 3,534 |
| Net loans and leases to total assets | 73.0820% | 1,543 |
| Net loans and leases to deposits | 88.6296% | 1,491 |
| Net loans and leases to core deposits | 102.9378% | 1,065 |
| Total domestic deposits to total assets | 82.4578% | 3,252 |
| Equity capital to assets | 17.3320% | 346 |
| Core capital (leverage) ratio | 12.0403% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9858% | 1,060 |
| Memoranda: | ||
| Average total assets | $100,464,667 | 3,985 |
| Average earning assets | $83,849,667 | 4,113 |
| Average equity | $18,184,000 | 3,345 |
| Average total loans | $78,395,000 | 3,612 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9713% | 169 |
| Cost of funding earning assets | 0.5808% | 3,526 |
| Net interest margin | 5.3906% | 104 |
| Noninterest income to average assets | 0.6653% | 1,786 |
| Noninterest expense to average assets | 3.6877% | 711 |
| Loan and lease loss provision to assets | 0.8213% | 293 |
| Net operating income to assets | 0.5297% | 3,815 |
| Return on assets (ROA) | 0.5297% | 3,872 |
| Pretax return on assets | 0.6160% | 3,894 |
| Return on Equity (ROE) | 2.8604% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.8604% | 3,137 |
| Net charge-offs to loans | 0.1846% | 730 |
| Credit loss provision to net charge-offs | 555.5556% | 827 |
| Earnings coverage of net charge-offs (x) | 9.7222% | 1,807 |
| Efficiency ratio | 71.9551% | 2,080 |
| Assets per employee ($millions) | 3.9468% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,080 |
| Loan loss allowance to noncurrent loans | 268.8474% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,146 |
| Noncurrent loans to loans | 0.4174% | 2,999 |
| Net loans and leases to total assets | 77.0647% | 1,122 |
| Net loans and leases to deposits | 94.6076% | 1,026 |
| Net loans and leases to core deposits | 110.5716% | 826 |
| Total domestic deposits to total assets | 81.4572% | 3,559 |
| Equity capital to assets | 18.3482% | 329 |
| Core capital (leverage) ratio | 13.3602% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5868% | 1,445 |
| Memoranda: | ||
| Average total assets | $97,405,500 | 4,025 |
| Average earning assets | $80,585,000 | 4,163 |
| Average equity | $18,039,500 | 3,362 |
| Average total loans | $78,002,000 | 3,616 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1942% | 169 |
| Cost of funding earning assets | 0.5953% | 3,665 |
| Net interest margin | 5.5989% | 102 |
| Noninterest income to average assets | 0.6958% | 1,839 |
| Noninterest expense to average assets | 3.2461% | 1,417 |
| Loan and lease loss provision to assets | 0.8626% | 118 |
| Net operating income to assets | 1.2229% | 1,972 |
| Return on assets (ROA) | 1.2229% | 2,059 |
| Pretax return on assets | 1.3101% | 2,476 |
| Return on Equity (ROE) | 7.3422% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.3422% | 1,238 |
| Net charge-offs to loans | 0.3569% | 561 |
| Credit loss provision to net charge-offs | 299.0033% | 936 |
| Earnings coverage of net charge-offs (x) | 7.5316% | 2,866 |
| Efficiency ratio | 59.9045% | 3,713 |
| Assets per employee ($millions) | 3.8457% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,037 |
| Loan loss allowance to noncurrent loans | 245.2632% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 3,254 |
| Noncurrent loans to loans | 0.3603% | 3,160 |
| Net loans and leases to total assets | 81.5492% | 608 |
| Net loans and leases to deposits | 100.4729% | 573 |
| Net loans and leases to core deposits | 119.0233% | 503 |
| Total domestic deposits to total assets | 81.1654% | 3,731 |
| Equity capital to assets | 18.6963% | 318 |
| Core capital (leverage) ratio | 13.0681% | 1,207 |
| Tier 1 risk-based capital ratio | 15.0144% | 2,773 |
| Total risk-based capital ratio | 15.8809% | 2,851 |
| Memoranda: | ||
| Average total assets | $104,341,400 | 3,930 |
| Average earning assets | $88,017,400 | 4,065 |
| Average equity | $17,379,000 | 3,398 |
| Average total loans | $84,337,000 | 3,521 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1974% | 174 |
| Cost of funding earning assets | 0.5998% | 3,703 |
| Net interest margin | 5.5977% | 100 |
| Noninterest income to average assets | 0.7005% | 1,781 |
| Noninterest expense to average assets | 3.1430% | 1,600 |
| Loan and lease loss provision to assets | 0.8459% | 121 |
| Net operating income to assets | 1.3585% | 1,622 |
| Return on assets (ROA) | 1.3585% | 1,682 |
| Pretax return on assets | 1.4487% | 2,123 |
| Return on Equity (ROE) | 8.3883% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.3883% | 1,248 |
| Net charge-offs to loans | 0.2273% | 776 |
| Credit loss provision to net charge-offs | 462.3288% | 675 |
| Earnings coverage of net charge-offs (x) | 12.5412% | 2,347 |
| Efficiency ratio | 57.8013% | 3,966 |
| Assets per employee ($millions) | 3.8600% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7769% | 4,467 |
| Loan loss allowance to noncurrent loans | 419.3333% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 3,995 |
| Noncurrent loans to loans | 0.1853% | 3,873 |
| Net loans and leases to total assets | 80.0458% | 840 |
| Net loans and leases to deposits | 97.5460% | 865 |
| Net loans and leases to core deposits | 113.9845% | 755 |
| Total domestic deposits to total assets | 82.0596% | 3,462 |
| Equity capital to assets | 17.7192% | 415 |
| Core capital (leverage) ratio | 12.2637% | 1,703 |
| Tier 1 risk-based capital ratio | 14.3053% | 3,171 |
| Total risk-based capital ratio | 15.0629% | 3,331 |
| Memoranda: | ||
| Average total assets | $106,391,250 | 3,930 |
| Average earning assets | $90,035,250 | 4,089 |
| Average equity | $17,230,000 | 3,440 |
| Average total loans | $85,645,750 | 3,529 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 209 |
| Cost of funding earning assets | 0.5910% | 3,699 |
| Net interest margin | 5.4860% | 125 |
| Noninterest income to average assets | 0.6826% | 1,785 |
| Noninterest expense to average assets | 3.1383% | 1,639 |
| Loan and lease loss provision to assets | 0.8302% | 118 |
| Net operating income to assets | 1.2657% | 1,890 |
| Return on assets (ROA) | 1.2657% | 1,957 |
| Pretax return on assets | 1.3727% | 2,295 |
| Return on Equity (ROE) | 8.0490% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.0490% | 1,373 |
| Net charge-offs to loans | 0.1261% | 1,189 |
| Credit loss provision to net charge-offs | 818.1818% | 417 |
| Earnings coverage of net charge-offs (x) | 21.7091% | 1,725 |
| Efficiency ratio | 58.7565% | 3,898 |
| Assets per employee ($millions) | 4.0577% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,889 |
| Loan loss allowance to noncurrent loans | 228.1106% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,755 |
| Noncurrent loans to loans | 0.2588% | 3,608 |
| Net loans and leases to total assets | 78.9981% | 1,040 |
| Net loans and leases to deposits | 94.8135% | 1,174 |
| Net loans and leases to core deposits | 109.2393% | 1,019 |
| Total domestic deposits to total assets | 83.3194% | 3,109 |
| Equity capital to assets | 16.4787% | 538 |
| Core capital (leverage) ratio | 11.4056% | 2,238 |
| Tier 1 risk-based capital ratio | 13.4430% | 3,613 |
| Total risk-based capital ratio | 14.0248% | 3,866 |
| Memoranda: | ||
| Average total assets | $108,401,670 | 3,920 |
| Average earning assets | $92,052,330 | 4,072 |
| Average equity | $17,045,670 | 3,463 |
| Average total loans | $87,206,670 | 3,522 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 263 |
| Cost of funding earning assets | 0.6017% | 3,564 |
| Net interest margin | 5.2917% | 174 |
| Noninterest income to average assets | 0.6663% | 1,745 |
| Noninterest expense to average assets | 3.0732% | 1,796 |
| Loan and lease loss provision to assets | 0.8193% | 116 |
| Net operating income to assets | 1.2890% | 1,742 |
| Return on assets (ROA) | 1.2890% | 1,783 |
| Pretax return on assets | 1.2890% | 2,500 |
| Return on Equity (ROE) | 8.3906% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.3906% | 1,524 |
| Net charge-offs to loans | 0.1530% | 868 |
| Credit loss provision to net charge-offs | 661.7647% | 504 |
| Earnings coverage of net charge-offs (x) | 17.0294% | 1,675 |
| Efficiency ratio | 59.3113% | 3,906 |
| Assets per employee ($millions) | 4.2447% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 5,219 |
| Loan loss allowance to noncurrent loans | 115.9363% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,715 |
| Noncurrent loans to loans | 0.2891% | 3,527 |
| Net loans and leases to total assets | 78.3986% | 1,085 |
| Net loans and leases to deposits | 92.8966% | 1,295 |
| Net loans and leases to core deposits | 111.8779% | 837 |
| Total domestic deposits to total assets | 84.3933% | 2,905 |
| Equity capital to assets | 15.4517% | 660 |
| Core capital (leverage) ratio | 10.6720% | 2,874 |
| Tier 1 risk-based capital ratio | 12.5639% | 4,123 |
| Total risk-based capital ratio | 12.8944% | 4,538 |
| Memoranda: | ||
| Average total assets | $109,852,500 | 3,937 |
| Average earning assets | $93,731,000 | 4,080 |
| Average equity | $16,876,000 | 3,488 |
| Average total loans | $88,891,000 | 3,512 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8823% | 5,397 |
| Cost of funding earning assets | 0.0904% | 5,308 |
| Net interest margin | 0.7919% | 5,395 |
| Noninterest income to average assets | 0.1118% | 5,116 |
| Noninterest expense to average assets | 0.5009% | 5,392 |
| Loan and lease loss provision to assets | 0.1162% | 1,895 |
| Net operating income to assets | 0.2192% | 5,087 |
| Return on assets (ROA) | 0.2192% | 5,085 |
| Pretax return on assets | 0.2192% | 5,104 |
| Return on Equity (ROE) | 2.1404% | 5,027 |
| Retained earnings to average equity (ytd only) | -8.6474% | 5,300 |
| Net charge-offs to loans | 0.0347% | 2,710 |
| Credit loss provision to net charge-offs | 412.5000% | 805 |
| Earnings coverage of net charge-offs (x) | 11.9063% | 2,591 |
| Efficiency ratio | 59.8947% | 3,876 |
| Assets per employee ($millions) | 4.2055% | 3,610 |
| Cash dividends to net income (ytd only)* | 504.0161% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1099% | 5,342 |
| Loan loss allowance to noncurrent loans | 49.2611% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 3,880 |
| Noncurrent loans to loans | 0.2232% | 3,780 |
| Net loans and leases to total assets | 83.1044% | 508 |
| Net loans and leases to deposits | 98.2378% | 878 |
| Net loans and leases to core deposits | 117.6209% | 629 |
| Total domestic deposits to total assets | 84.5951% | 2,800 |
| Equity capital to assets | 15.2723% | 652 |
| Core capital (leverage) ratio | 11.7078% | 1,944 |
| Tier 1 risk-based capital ratio | 13.8007% | 3,384 |
| Total risk-based capital ratio | 13.9123% | 3,923 |
| Memoranda: | ||
| Average total assets | $113,605,800 | 3,893 |
| Average earning assets | $103,928,600 | 3,918 |
| Average equity | $11,633,600 | 4,072 |
| Average total loans | $92,314,600 | 3,436 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 616 |
| Cost of funding earning assets | 0.5829% | 2,606 |
| Net interest margin | 4.6266% | 561 |
| Noninterest income to average assets | 0.9267% | 1,119 |
| Noninterest expense to average assets | 3.7416% | 720 |
| Loan and lease loss provision to assets | 0.3628% | 365 |
| Net operating income to assets | 1.1046% | 2,645 |
| Return on assets (ROA) | 1.1046% | 2,657 |
| Pretax return on assets | 1.1046% | 3,377 |
| Return on Equity (ROE) | 12.2177% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.7682% | 3,893 |
| Net charge-offs to loans | 0.1353% | 1,194 |
| Credit loss provision to net charge-offs | 331.9149% | 952 |
| Earnings coverage of net charge-offs (x) | 13.4255% | 2,361 |
| Efficiency ratio | 71.8304% | 1,911 |
| Assets per employee ($millions) | 4.2902% | 3,439 |
| Cash dividends to net income (ytd only)* | 69.1578% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,343 |
| Loan loss allowance to noncurrent loans | 548.3333% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 4,196 |
| Noncurrent loans to loans | 0.1954% | 4,009 |
| Net loans and leases to total assets | 75.8487% | 1,680 |
| Net loans and leases to deposits | 90.6598% | 1,807 |
| Net loans and leases to core deposits | 107.1992% | 1,216 |
| Total domestic deposits to total assets | 83.6630% | 3,056 |
| Equity capital to assets | 8.7816% | 4,730 |
| Core capital (leverage) ratio | 8.9749% | 4,727 |
| Tier 1 risk-based capital ratio | 12.2943% | 4,323 |
| Total risk-based capital ratio | 13.4468% | 4,277 |
| Memoranda: | ||
| Average total assets | $114,671,750 | 3,914 |
| Average earning assets | $106,138,000 | 3,911 |
| Average equity | $10,367,250 | 4,293 |
| Average total loans | $92,651,250 | 3,456 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3065% | 464 |
| Cost of funding earning assets | 0.5218% | 2,822 |
| Net interest margin | 4.7847% | 372 |
| Noninterest income to average assets | 0.8453% | 1,333 |
| Noninterest expense to average assets | 3.4806% | 1,022 |
| Loan and lease loss provision to assets | 0.3633% | 354 |
| Net operating income to assets | 1.4213% | 1,361 |
| Return on assets (ROA) | 1.4213% | 1,365 |
| Pretax return on assets | 1.4213% | 2,081 |
| Return on Equity (ROE) | 15.5627% | 748 |
| Retained earnings to average equity (ytd only) | 4.2691% | 3,475 |
| Net charge-offs to loans | 0.1077% | 1,289 |
| Credit loss provision to net charge-offs | 410.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 20.1400% | 1,822 |
| Efficiency ratio | 66.1057% | 2,958 |
| Assets per employee ($millions) | 4.0339% | 3,840 |
| Cash dividends to net income (ytd only)* | 72.5686% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,867 |
| Loan loss allowance to noncurrent loans | 338.4615% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 2,800 |
| Noncurrent loans to loans | 0.2944% | 3,642 |
| Net loans and leases to total assets | 81.2862% | 813 |
| Net loans and leases to deposits | 92.1854% | 1,562 |
| Net loans and leases to core deposits | 109.1428% | 1,047 |
| Total domestic deposits to total assets | 88.1770% | 1,287 |
| Equity capital to assets | 9.2794% | 4,305 |
| Core capital (leverage) ratio | 9.2857% | 4,376 |
| Tier 1 risk-based capital ratio | 11.7527% | 4,651 |
| Total risk-based capital ratio | 12.7914% | 4,659 |
| Memoranda: | ||
| Average total assets | $112,853,670 | 3,974 |
| Average earning assets | $104,248,670 | 3,981 |
| Average equity | $10,306,670 | 4,340 |
| Average total loans | $92,834,670 | 3,464 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 395 |
| Cost of funding earning assets | 0.4804% | 2,957 |
| Net interest margin | 4.8344% | 321 |
| Noninterest income to average assets | 0.8049% | 1,437 |
| Noninterest expense to average assets | 3.4466% | 1,088 |
| Loan and lease loss provision to assets | 0.3546% | 342 |
| Net operating income to assets | 1.4645% | 1,166 |
| Return on assets (ROA) | 1.4645% | 1,165 |
| Pretax return on assets | 1.4645% | 1,788 |
| Return on Equity (ROE) | 16.1652% | 593 |
| Retained earnings to average equity (ytd only) | -4.3838% | 5,168 |
| Net charge-offs to loans | 0.0689% | 1,422 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 32.0625% | 1,201 |
| Efficiency ratio | 65.4545% | 3,256 |
| Assets per employee ($millions) | 4.0325% | 3,924 |
| Cash dividends to net income (ytd only)* | 127.1186% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 4,409 |
| Loan loss allowance to noncurrent loans | 358.4034% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 2,454 |
| Noncurrent loans to loans | 0.2537% | 3,851 |
| Net loans and leases to total assets | 82.3460% | 621 |
| Net loans and leases to deposits | 90.7260% | 1,600 |
| Net loans and leases to core deposits | 108.7159% | 1,077 |
| Total domestic deposits to total assets | 90.7634% | 396 |
| Equity capital to assets | 8.9949% | 4,559 |
| Core capital (leverage) ratio | 9.0498% | 4,626 |
| Tier 1 risk-based capital ratio | 11.3547% | 4,950 |
| Total risk-based capital ratio | 12.3115% | 5,001 |
| Memoranda: | ||
| Average total assets | $112,806,000 | 4,014 |
| Average earning assets | $104,087,000 | 4,027 |
| Average equity | $10,219,500 | 4,399 |
| Average total loans | $92,884,000 | 3,487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 559 |
| Cost of funding earning assets | 0.4619% | 2,673 |
| Net interest margin | 4.6159% | 489 |
| Noninterest income to average assets | 1.2748% | 654 |
| Noninterest expense to average assets | 3.7271% | 763 |
| Loan and lease loss provision to assets | 0.2386% | 803 |
| Net operating income to assets | 1.5557% | 712 |
| Return on assets (ROA) | 1.5557% | 724 |
| Pretax return on assets | 1.5557% | 1,432 |
| Return on Equity (ROE) | 17.9473% | 310 |
| Retained earnings to average equity (ytd only) | 9.9915% | 349 |
| Net charge-offs to loans | 0.2486% | 1,049 |
| Credit loss provision to net charge-offs | 117.7778% | 2,220 |
| Earnings coverage of net charge-offs (x) | 8.8578% | 2,858 |
| Efficiency ratio | 67.5037% | 2,998 |
| Assets per employee ($millions) | 4.0251% | 3,919 |
| Cash dividends to net income (ytd only)* | 44.3287% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 4,713 |
| Loan loss allowance to noncurrent loans | 160.8787% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 1,854 |
| Noncurrent loans to loans | 0.5199% | 2,958 |
| Net loans and leases to total assets | 80.8940% | 850 |
| Net loans and leases to deposits | 92.4120% | 1,466 |
| Net loans and leases to core deposits | 114.7428% | 766 |
| Total domestic deposits to total assets | 87.5363% | 1,745 |
| Equity capital to assets | 9.1240% | 4,599 |
| Core capital (leverage) ratio | 8.8045% | 4,858 |
| Tier 1 risk-based capital ratio | 11.5477% | 4,816 |
| Total risk-based capital ratio | 12.4151% | 4,929 |
| Memoranda: | ||
| Average total assets | $111,077,000 | 4,041 |
| Average earning assets | $102,190,000 | 4,058 |
| Average equity | $9,628,200 | 4,506 |
| Average total loans | $90,495,200 | 3,517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 559 |
| Cost of funding earning assets | 0.4348% | 2,856 |
| Net interest margin | 4.6085% | 479 |
| Noninterest income to average assets | 0.7457% | 1,804 |
| Noninterest expense to average assets | 3.5323% | 944 |
| Loan and lease loss provision to assets | 0.2169% | 860 |
| Net operating income to assets | 1.2361% | 1,557 |
| Return on assets (ROA) | 1.2361% | 1,585 |
| Pretax return on assets | 1.2361% | 2,762 |
| Return on Equity (ROE) | 14.4537% | 742 |
| Retained earnings to average equity (ytd only) | 6.1281% | 2,152 |
| Net charge-offs to loans | 0.2648% | 818 |
| Credit loss provision to net charge-offs | 100.5587% | 2,268 |
| Earnings coverage of net charge-offs (x) | 6.7375% | 2,951 |
| Efficiency ratio | 70.8555% | 2,387 |
| Assets per employee ($millions) | 3.9813% | 4,018 |
| Cash dividends to net income (ytd only)* | 57.6021% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,889 |
| Loan loss allowance to noncurrent loans | 244.9664% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 2,491 |
| Noncurrent loans to loans | 0.3270% | 3,777 |
| Net loans and leases to total assets | 78.3038% | 1,227 |
| Net loans and leases to deposits | 94.6849% | 1,229 |
| Net loans and leases to core deposits | 118.7688% | 623 |
| Total domestic deposits to total assets | 82.6993% | 3,548 |
| Equity capital to assets | 8.4611% | 5,307 |
| Core capital (leverage) ratio | 8.5486% | 5,209 |
| Tier 1 risk-based capital ratio | 11.0492% | 5,218 |
| Total risk-based capital ratio | 11.8799% | 5,332 |
| Memoranda: | ||
| Average total assets | $110,670,500 | 4,097 |
| Average earning assets | $101,808,750 | 4,105 |
| Average equity | $9,464,500 | 4,581 |
| Average total loans | $90,134,250 | 3,557 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 555 |
| Cost of funding earning assets | 0.4006% | 3,069 |
| Net interest margin | 4.6062% | 472 |
| Noninterest income to average assets | 0.7481% | 1,780 |
| Noninterest expense to average assets | 3.5260% | 973 |
| Loan and lease loss provision to assets | 0.2200% | 804 |
| Net operating income to assets | 1.2395% | 1,476 |
| Return on assets (ROA) | 1.2395% | 1,504 |
| Pretax return on assets | 1.2395% | 2,623 |
| Return on Equity (ROE) | 14.4398% | 749 |
| Retained earnings to average equity (ytd only) | 1.8157% | 4,527 |
| Net charge-offs to loans | 0.2205% | 921 |
| Credit loss provision to net charge-offs | 121.2121% | 1,766 |
| Earnings coverage of net charge-offs (x) | 8.0404% | 2,540 |
| Efficiency ratio | 70.7245% | 2,549 |
| Assets per employee ($millions) | 3.7673% | 4,327 |
| Cash dividends to net income (ytd only)* | 87.4260% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 4,872 |
| Loan loss allowance to noncurrent loans | 234.3750% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 3,086 |
| Noncurrent loans to loans | 0.3540% | 3,760 |
| Net loans and leases to total assets | 82.0591% | 657 |
| Net loans and leases to deposits | 93.9739% | 1,263 |
| Net loans and leases to core deposits | 121.8710% | 494 |
| Total domestic deposits to total assets | 87.3212% | 1,793 |
| Equity capital to assets | 8.6277% | 5,204 |
| Core capital (leverage) ratio | 8.4750% | 5,237 |
| Tier 1 risk-based capital ratio | 10.9329% | 5,288 |
| Total risk-based capital ratio | 11.8091% | 5,361 |
| Memoranda: | ||
| Average total assets | $109,074,670 | 4,141 |
| Average earning assets | $100,342,000 | 4,160 |
| Average equity | $9,363,000 | 4,616 |
| Average total loans | $89,799,670 | 3,579 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 643 |
| Cost of funding earning assets | 0.3908% | 3,093 |
| Net interest margin | 4.5024% | 520 |
| Noninterest income to average assets | 0.6863% | 2,020 |
| Noninterest expense to average assets | 3.4904% | 1,060 |
| Loan and lease loss provision to assets | 0.2202% | 723 |
| Net operating income to assets | 1.1194% | 1,794 |
| Return on assets (ROA) | 1.1194% | 1,832 |
| Pretax return on assets | 1.1194% | 2,907 |
| Return on Equity (ROE) | 13.0740% | 982 |
| Retained earnings to average equity (ytd only) | 0.2143% | 4,863 |
| Net charge-offs to loans | 0.3263% | 564 |
| Credit loss provision to net charge-offs | 82.1918% | 1,747 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,325 |
| Efficiency ratio | 72.2644% | 2,530 |
| Assets per employee ($millions) | 3.9210% | 4,144 |
| Cash dividends to net income (ytd only)* | 98.3607% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 5,069 |
| Loan loss allowance to noncurrent loans | 370.9845% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,538 |
| Noncurrent loans to loans | 0.2151% | 4,335 |
| Net loans and leases to total assets | 81.0564% | 683 |
| Net loans and leases to deposits | 91.0543% | 1,424 |
| Net loans and leases to core deposits | 114.5743% | 649 |
| Total domestic deposits to total assets | 89.0198% | 1,128 |
| Equity capital to assets | 8.5045% | 5,242 |
| Core capital (leverage) ratio | 8.5767% | 5,171 |
| Tier 1 risk-based capital ratio | 10.8710% | 5,376 |
| Total risk-based capital ratio | 11.7097% | 5,485 |
| Memoranda: | ||
| Average total assets | $108,985,500 | 4,190 |
| Average earning assets | $100,301,000 | 4,200 |
| Average equity | $9,331,500 | 4,656 |
| Average total loans | $89,498,500 | 3,609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 543 |
| Cost of funding earning assets | 0.3540% | 3,476 |
| Net interest margin | 4.6951% | 424 |
| Noninterest income to average assets | 0.7791% | 1,832 |
| Noninterest expense to average assets | 3.7756% | 797 |
| Loan and lease loss provision to assets | 0.2180% | 1,014 |
| Net operating income to assets | 1.0660% | 2,056 |
| Return on assets (ROA) | 1.0660% | 2,163 |
| Pretax return on assets | 1.0660% | 3,234 |
| Return on Equity (ROE) | 11.9682% | 1,255 |
| Retained earnings to average equity (ytd only) | 2.1108% | 4,333 |
| Net charge-offs to loans | 0.2201% | 1,255 |
| Credit loss provision to net charge-offs | 120.9677% | 2,195 |
| Earnings coverage of net charge-offs (x) | 7.1237% | 3,070 |
| Efficiency ratio | 74.6217% | 2,200 |
| Assets per employee ($millions) | 3.7304% | 4,428 |
| Cash dividends to net income (ytd only)* | 82.3636% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,064 |
| Loan loss allowance to noncurrent loans | 342.2535% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,532 |
| Noncurrent loans to loans | 0.2385% | 4,294 |
| Net loans and leases to total assets | 81.8630% | 623 |
| Net loans and leases to deposits | 101.1536% | 591 |
| Net loans and leases to core deposits | 127.3966% | 317 |
| Total domestic deposits to total assets | 80.9294% | 4,353 |
| Equity capital to assets | 8.6207% | 5,175 |
| Core capital (leverage) ratio | 8.6893% | 5,087 |
| Tier 1 risk-based capital ratio | 10.8857% | 5,399 |
| Total risk-based capital ratio | 11.7407% | 5,510 |
| Memoranda: | ||
| Average total assets | $103,189,600 | 4,303 |
| Average earning assets | $94,077,400 | 4,306 |
| Average equity | $9,191,000 | 4,716 |
| Average total loans | $84,490,000 | 3,697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 496 |
| Cost of funding earning assets | 0.3322% | 3,761 |
| Net interest margin | 4.7716% | 381 |
| Noninterest income to average assets | 0.7874% | 1,817 |
| Noninterest expense to average assets | 3.8492% | 712 |
| Loan and lease loss provision to assets | 0.2158% | 968 |
| Net operating income to assets | 1.0620% | 2,155 |
| Return on assets (ROA) | 1.0620% | 2,264 |
| Pretax return on assets | 1.0620% | 3,387 |
| Return on Equity (ROE) | 11.8228% | 1,382 |
| Retained earnings to average equity (ytd only) | 2.2713% | 4,561 |
| Net charge-offs to loans | 0.2289% | 1,029 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 6.8322% | 2,954 |
| Efficiency ratio | 75.0765% | 2,098 |
| Assets per employee ($millions) | 3.6249% | 4,603 |
| Cash dividends to net income (ytd only)* | 80.7877% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 5,105 |
| Loan loss allowance to noncurrent loans | 201.1299% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,098 |
| Noncurrent loans to loans | 0.4120% | 3,799 |
| Net loans and leases to total assets | 78.3486% | 1,136 |
| Net loans and leases to deposits | 102.0799% | 562 |
| Net loans and leases to core deposits | 131.1854% | 281 |
| Total domestic deposits to total assets | 76.7522% | 5,130 |
| Equity capital to assets | 8.5815% | 5,489 |
| Core capital (leverage) ratio | 8.6691% | 5,189 |
| Tier 1 risk-based capital ratio | 11.2863% | 5,208 |
| Total risk-based capital ratio | 12.1558% | 5,335 |
| Memoranda: | ||
| Average total assets | $101,941,500 | 4,355 |
| Average earning assets | $92,713,500 | 4,372 |
| Average equity | $9,157,250 | 4,775 |
| Average total loans | $83,290,000 | 3,748 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 449 |
| Cost of funding earning assets | 0.3017% | 4,109 |
| Net interest margin | 4.8647% | 332 |
| Noninterest income to average assets | 0.8086% | 1,676 |
| Noninterest expense to average assets | 3.9349% | 648 |
| Loan and lease loss provision to assets | 0.3010% | 598 |
| Net operating income to assets | 1.0053% | 2,366 |
| Return on assets (ROA) | 1.0053% | 2,501 |
| Pretax return on assets | 1.0053% | 3,560 |
| Return on Equity (ROE) | 11.0122% | 1,639 |
| Retained earnings to average equity (ytd only) | -2.4178% | 5,574 |
| Net charge-offs to loans | 0.3252% | 724 |
| Credit loss provision to net charge-offs | 111.9403% | 1,945 |
| Earnings coverage of net charge-offs (x) | 4.8582% | 2,934 |
| Efficiency ratio | 75.0766% | 2,213 |
| Assets per employee ($millions) | 3.5219% | 4,718 |
| Cash dividends to net income (ytd only)* | 121.9561% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 5,145 |
| Loan loss allowance to noncurrent loans | 203.4582% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,919 |
| Noncurrent loans to loans | 0.4154% | 3,864 |
| Net loans and leases to total assets | 81.0956% | 732 |
| Net loans and leases to deposits | 104.8032% | 425 |
| Net loans and leases to core deposits | 127.8333% | 333 |
| Total domestic deposits to total assets | 77.3790% | 5,104 |
| Equity capital to assets | 8.8765% | 5,332 |
| Core capital (leverage) ratio | 9.0178% | 4,809 |
| Tier 1 risk-based capital ratio | 10.7639% | 5,543 |
| Total risk-based capital ratio | 11.6102% | 5,653 |
| Memoranda: | ||
| Average total assets | $99,673,330 | 4,427 |
| Average earning assets | $90,817,670 | 4,442 |
| Average equity | $9,099,000 | 4,823 |
| Average total loans | $82,415,670 | 3,787 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 326 |
| Cost of funding earning assets | 0.2940% | 4,226 |
| Net interest margin | 5.0516% | 226 |
| Noninterest income to average assets | 0.8614% | 1,411 |
| Noninterest expense to average assets | 4.2136% | 488 |
| Loan and lease loss provision to assets | 0.4266% | 313 |
| Net operating income to assets | 0.8289% | 3,102 |
| Return on assets (ROA) | 0.8289% | 3,231 |
| Pretax return on assets | 0.8289% | 4,106 |
| Return on Equity (ROE) | 8.9518% | 2,449 |
| Retained earnings to average equity (ytd only) | -3.7299% | 5,531 |
| Net charge-offs to loans | 0.4691% | 477 |
| Credit loss provision to net charge-offs | 109.3750% | 1,525 |
| Earnings coverage of net charge-offs (x) | 3.2188% | 2,573 |
| Efficiency ratio | 77.0431% | 2,041 |
| Assets per employee ($millions) | 3.2192% | 5,246 |
| Cash dividends to net income (ytd only)* | 141.6667% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 5,245 |
| Loan loss allowance to noncurrent loans | 193.6288% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 3,931 |
| Noncurrent loans to loans | 0.4365% | 3,876 |
| Net loans and leases to total assets | 84.9095% | 302 |
| Net loans and leases to deposits | 101.0188% | 561 |
| Net loans and leases to core deposits | 117.5148% | 549 |
| Total domestic deposits to total assets | 84.0531% | 3,499 |
| Equity capital to assets | 9.4070% | 4,763 |
| Core capital (leverage) ratio | 9.0366% | 4,805 |
| Tier 1 risk-based capital ratio | 10.5783% | 5,718 |
| Total risk-based capital ratio | 11.3995% | 5,808 |
| Memoranda: | ||
| Average total assets | $98,442,500 | 4,493 |
| Average earning assets | $89,794,000 | 4,504 |
| Average equity | $9,115,500 | 4,838 |
| Average total loans | $81,857,000 | 3,807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,097 |
| Cost of funding earning assets | 0.2682% | 4,609 |
| Net interest margin | 4.4364% | 738 |
| Noninterest income to average assets | 0.7761% | 1,878 |
| Noninterest expense to average assets | 3.8216% | 843 |
| Loan and lease loss provision to assets | 0.2574% | 733 |
| Net operating income to assets | 0.7391% | 3,624 |
| Return on assets (ROA) | 0.7391% | 3,722 |
| Pretax return on assets | 0.7391% | 4,403 |
| Return on Equity (ROE) | 8.1767% | 2,855 |
| Retained earnings to average equity (ytd only) | 2.7588% | 4,109 |
| Net charge-offs to loans | 0.3930% | 729 |
| Credit loss provision to net charge-offs | 84.8185% | 2,864 |
| Earnings coverage of net charge-offs (x) | 3.2838% | 3,750 |
| Efficiency ratio | 79.3182% | 1,774 |
| Assets per employee ($millions) | 3.4589% | 4,893 |
| Cash dividends to net income (ytd only)* | 66.2602% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 5,263 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 2,489 |
| Noncurrent loans to loans | 0.8517% | 2,655 |
| Net loans and leases to total assets | 80.0754% | 837 |
| Net loans and leases to deposits | 96.3729% | 976 |
| Net loans and leases to core deposits | 111.9595% | 776 |
| Total domestic deposits to total assets | 83.0891% | 3,816 |
| Equity capital to assets | 9.1179% | 5,003 |
| Core capital (leverage) ratio | 9.3757% | 4,364 |
| Tier 1 risk-based capital ratio | 11.4249% | 5,301 |
| Total risk-based capital ratio | 12.2946% | 5,399 |
| Memoranda: | ||
| Average total assets | $99,854,400 | 4,466 |
| Average earning assets | $90,974,400 | 4,485 |
| Average equity | $9,025,600 | 4,843 |
| Average total loans | $77,091,400 | 3,907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,180 |
| Cost of funding earning assets | 0.2659% | 4,711 |
| Net interest margin | 4.3951% | 806 |
| Noninterest income to average assets | 0.7807% | 1,882 |
| Noninterest expense to average assets | 3.8525% | 786 |
| Loan and lease loss provision to assets | 0.2620% | 632 |
| Net operating income to assets | 0.6657% | 4,053 |
| Return on assets (ROA) | 0.6657% | 4,164 |
| Pretax return on assets | 0.6657% | 4,789 |
| Return on Equity (ROE) | 7.3812% | 3,414 |
| Retained earnings to average equity (ytd only) | 3.0978% | 4,248 |
| Net charge-offs to loans | 0.4642% | 540 |
| Credit loss provision to net charge-offs | 73.9623% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.6189% | 3,637 |
| Efficiency ratio | 80.5928% | 1,568 |
| Assets per employee ($millions) | 3.4895% | 4,805 |
| Cash dividends to net income (ytd only)* | 58.0319% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 5,374 |
| Loan loss allowance to noncurrent loans | 74.5536% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 2,413 |
| Noncurrent loans to loans | 1.1379% | 2,234 |
| Net loans and leases to total assets | 79.9083% | 834 |
| Net loans and leases to deposits | 91.6762% | 1,448 |
| Net loans and leases to core deposits | 107.2237% | 1,025 |
| Total domestic deposits to total assets | 87.1637% | 1,951 |
| Equity capital to assets | 9.3351% | 4,961 |
| Core capital (leverage) ratio | 9.2131% | 4,713 |
| Tier 1 risk-based capital ratio | 11.8172% | 5,189 |
| Total risk-based capital ratio | 12.6920% | 5,325 |
| Memoranda: | ||
| Average total assets | $99,741,000 | 4,514 |
| Average earning assets | $90,766,250 | 4,536 |
| Average equity | $8,995,500 | 4,909 |
| Average total loans | $76,111,250 | 3,973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,440 |
| Cost of funding earning assets | 0.2669% | 4,751 |
| Net interest margin | 4.2679% | 980 |
| Noninterest income to average assets | 0.7708% | 1,914 |
| Noninterest expense to average assets | 3.7742% | 902 |
| Loan and lease loss provision to assets | 0.2430% | 739 |
| Net operating income to assets | 0.6393% | 4,178 |
| Return on assets (ROA) | 0.6393% | 4,288 |
| Pretax return on assets | 0.6393% | 4,864 |
| Return on Equity (ROE) | 7.1702% | 3,513 |
| Retained earnings to average equity (ytd only) | 1.4743% | 4,963 |
| Net charge-offs to loans | 0.6699% | 341 |
| Credit loss provision to net charge-offs | 48.4127% | 2,722 |
| Earnings coverage of net charge-offs (x) | 1.7579% | 3,456 |
| Efficiency ratio | 81.0522% | 1,617 |
| Assets per employee ($millions) | 3.6329% | 4,566 |
| Cash dividends to net income (ytd only)* | 79.4393% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 5,599 |
| Loan loss allowance to noncurrent loans | 72.4014% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 2,579 |
| Noncurrent loans to loans | 1.1079% | 2,441 |
| Net loans and leases to total assets | 76.4056% | 1,312 |
| Net loans and leases to deposits | 86.7277% | 1,976 |
| Net loans and leases to core deposits | 101.8759% | 1,336 |
| Total domestic deposits to total assets | 88.0983% | 1,597 |
| Equity capital to assets | 9.1286% | 5,111 |
| Core capital (leverage) ratio | 9.2298% | 4,650 |
| Tier 1 risk-based capital ratio | 11.6884% | 5,347 |
| Total risk-based capital ratio | 12.4862% | 5,529 |
| Memoranda: | ||
| Average total assets | $100,419,000 | 4,544 |
| Average earning assets | $91,427,670 | 4,572 |
| Average equity | $8,953,670 | 4,952 |
| Average total loans | $75,233,670 | 4,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,436 |
| Cost of funding earning assets | 0.2636% | 4,868 |
| Net interest margin | 4.2428% | 990 |
| Noninterest income to average assets | 0.8190% | 1,635 |
| Noninterest expense to average assets | 3.7919% | 886 |
| Loan and lease loss provision to assets | 0.1260% | 1,645 |
| Net operating income to assets | 0.7678% | 3,439 |
| Return on assets (ROA) | 0.7678% | 3,576 |
| Pretax return on assets | 0.7678% | 4,360 |
| Return on Equity (ROE) | 8.7117% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.2442% | 3,470 |
| Net charge-offs to loans | 0.3570% | 685 |
| Credit loss provision to net charge-offs | 47.7612% | 2,122 |
| Earnings coverage of net charge-offs (x) | 3.3881% | 2,611 |
| Efficiency ratio | 80.9244% | 1,766 |
| Assets per employee ($millions) | 3.6240% | 4,677 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,337 |
| Loan loss allowance to noncurrent loans | 67.8606% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1773% | 2,283 |
| Noncurrent loans to loans | 1.3684% | 2,104 |
| Net loans and leases to total assets | 76.4339% | 1,146 |
| Net loans and leases to deposits | 86.7410% | 1,751 |
| Net loans and leases to core deposits | 101.5065% | 1,217 |
| Total domestic deposits to total assets | 88.1173% | 1,750 |
| Equity capital to assets | 9.2051% | 5,080 |
| Core capital (leverage) ratio | 8.9886% | 4,967 |
| Tier 1 risk-based capital ratio | 11.5613% | 5,521 |
| Total risk-based capital ratio | 12.4711% | 5,620 |
| Memoranda: | ||
| Average total assets | $101,585,000 | 4,563 |
| Average earning assets | $92,580,500 | 4,582 |
| Average equity | $8,953,500 | 5,004 |
| Average total loans | $75,075,500 | 4,048 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,430 |
| Cost of funding earning assets | 0.2880% | 4,921 |
| Net interest margin | 4.3579% | 953 |
| Noninterest income to average assets | 0.9380% | 1,387 |
| Noninterest expense to average assets | 4.1300% | 658 |
| Loan and lease loss provision to assets | 0.0570% | 3,405 |
| Net operating income to assets | 0.6196% | 4,279 |
| Return on assets (ROA) | 0.6196% | 4,384 |
| Pretax return on assets | 0.6196% | 4,875 |
| Return on Equity (ROE) | 7.3425% | 3,443 |
| Retained earnings to average equity (ytd only) | -2.2973% | 6,041 |
| Net charge-offs to loans | 0.1845% | 2,196 |
| Credit loss provision to net charge-offs | 41.3793% | 3,651 |
| Earnings coverage of net charge-offs (x) | 4.9103% | 3,538 |
| Efficiency ratio | 85.9233% | 1,182 |
| Assets per employee ($millions) | 3.9008% | 4,165 |
| Cash dividends to net income (ytd only)* | 131.2883% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,133 |
| Loan loss allowance to noncurrent loans | 66.0090% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1716% | 2,422 |
| Noncurrent loans to loans | 1.4934% | 1,960 |
| Net loans and leases to total assets | 70.1895% | 2,206 |
| Net loans and leases to deposits | 78.7920% | 2,865 |
| Net loans and leases to core deposits | 91.2204% | 2,164 |
| Total domestic deposits to total assets | 89.0821% | 1,189 |
| Equity capital to assets | 8.4503% | 5,792 |
| Core capital (leverage) ratio | 8.5794% | 5,469 |
| Tier 1 risk-based capital ratio | 12.1744% | 5,248 |
| Total risk-based capital ratio | 13.1914% | 5,305 |
| Memoranda: | ||
| Average total assets | $105,228,800 | 4,471 |
| Average earning assets | $93,416,200 | 4,570 |
| Average equity | $8,879,800 | 5,004 |
| Average total loans | $78,596,800 | 3,915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,215 |
| Cost of funding earning assets | 0.2903% | 4,985 |
| Net interest margin | 4.4477% | 820 |
| Noninterest income to average assets | 0.9416% | 1,389 |
| Noninterest expense to average assets | 4.2912% | 558 |
| Loan and lease loss provision to assets | 0.0760% | 2,815 |
| Net operating income to assets | 0.4968% | 4,885 |
| Return on assets (ROA) | 0.4968% | 4,954 |
| Pretax return on assets | 0.4968% | 5,335 |
| Return on Equity (ROE) | 5.8892% | 4,287 |
| Retained earnings to average equity (ytd only) | -3.9061% | 6,200 |
| Net charge-offs to loans | 0.2262% | 1,687 |
| Credit loss provision to net charge-offs | 44.4444% | 3,211 |
| Earnings coverage of net charge-offs (x) | 3.3481% | 3,679 |
| Efficiency ratio | 88.2230% | 980 |
| Assets per employee ($millions) | 3.4677% | 4,921 |
| Cash dividends to net income (ytd only)* | 166.3274% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,398 |
| Loan loss allowance to noncurrent loans | 87.5587% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 3,009 |
| Noncurrent loans to loans | 1.0917% | 2,886 |
| Net loans and leases to total assets | 76.8605% | 1,114 |
| Net loans and leases to deposits | 87.0026% | 1,790 |
| Net loans and leases to core deposits | 100.9007% | 1,299 |
| Total domestic deposits to total assets | 88.3427% | 1,579 |
| Equity capital to assets | 8.7705% | 5,574 |
| Core capital (leverage) ratio | 8.3550% | 5,795 |
| Tier 1 risk-based capital ratio | 11.8002% | 5,612 |
| Total risk-based capital ratio | 12.8058% | 5,688 |
| Memoranda: | ||
| Average total assets | $105,205,500 | 4,517 |
| Average earning assets | $92,780,000 | 4,631 |
| Average equity | $8,874,750 | 5,042 |
| Average total loans | $79,580,750 | 3,916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 1,218 |
| Cost of funding earning assets | 0.2878% | 5,099 |
| Net interest margin | 4.4461% | 786 |
| Noninterest income to average assets | 0.9124% | 1,455 |
| Noninterest expense to average assets | 4.4327% | 480 |
| Loan and lease loss provision to assets | 0.1124% | 2,152 |
| Net operating income to assets | 0.2454% | 5,727 |
| Return on assets (ROA) | 0.2454% | 5,798 |
| Pretax return on assets | 0.2454% | 5,882 |
| Return on Equity (ROE) | 2.9461% | 5,546 |
| Retained earnings to average equity (ytd only) | -11.5372% | 6,451 |
| Net charge-offs to loans | 0.0175% | 3,873 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,348 |
| Efficiency ratio | 92.5303% | 730 |
| Assets per employee ($millions) | 3.5516% | 4,753 |
| Cash dividends to net income (ytd only)* | 491.6031% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 4,810 |
| Loan loss allowance to noncurrent loans | 93.0777% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 3,056 |
| Noncurrent loans to loans | 1.2045% | 2,825 |
| Net loans and leases to total assets | 72.3484% | 1,681 |
| Net loans and leases to deposits | 80.8485% | 2,405 |
| Net loans and leases to core deposits | 92.7416% | 1,881 |
| Total domestic deposits to total assets | 89.4863% | 1,099 |
| Equity capital to assets | 8.0547% | 6,121 |
| Core capital (leverage) ratio | 7.9641% | 6,123 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,866 |
| Total risk-based capital ratio | 12.5418% | 5,852 |
| Memoranda: | ||
| Average total assets | $106,752,670 | 4,519 |
| Average earning assets | $93,116,000 | 4,656 |
| Average equity | $8,893,000 | 5,057 |
| Average total loans | $80,094,330 | 3,906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,143 |
| Cost of funding earning assets | 0.2880% | 5,193 |
| Net interest margin | 4.4654% | 705 |
| Noninterest income to average assets | 0.8759% | 1,466 |
| Noninterest expense to average assets | 3.8744% | 895 |
| Loan and lease loss provision to assets | 0.2246% | 998 |
| Net operating income to assets | 0.6663% | 3,863 |
| Return on assets (ROA) | 0.6663% | 3,952 |
| Pretax return on assets | 0.6663% | 4,613 |
| Return on Equity (ROE) | 7.8687% | 2,999 |
| Retained earnings to average equity (ytd only) | -4.0670% | 6,067 |
| Net charge-offs to loans | 0.0148% | 3,297 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 542 |
| Efficiency ratio | 81.3040% | 2,013 |
| Assets per employee ($millions) | 3.5609% | 4,804 |
| Cash dividends to net income (ytd only)* | 151.6854% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 4,999 |
| Loan loss allowance to noncurrent loans | 90.7025% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 3,200 |
| Noncurrent loans to loans | 1.2428% | 2,968 |
| Net loans and leases to total assets | 72.0904% | 1,566 |
| Net loans and leases to deposits | 80.8262% | 2,186 |
| Net loans and leases to core deposits | 92.4358% | 1,691 |
| Total domestic deposits to total assets | 89.1919% | 1,534 |
| Equity capital to assets | 8.4258% | 5,718 |
| Core capital (leverage) ratio | 8.4441% | 5,706 |
| Tier 1 risk-based capital ratio | 12.1686% | 5,530 |
| Total risk-based capital ratio | 13.3665% | 5,495 |
| Memoranda: | ||
| Average total assets | $106,855,500 | 4,564 |
| Average earning assets | $93,071,500 | 4,704 |
| Average equity | $9,048,500 | 5,040 |
| Average total loans | $81,162,000 | 3,900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 1,245 |
| Cost of funding earning assets | 0.3487% | 5,148 |
| Net interest margin | 4.4853% | 755 |
| Noninterest income to average assets | 0.8191% | 1,989 |
| Noninterest expense to average assets | 3.9047% | 986 |
| Loan and lease loss provision to assets | 0.1323% | 2,658 |
| Net operating income to assets | 0.7435% | 3,588 |
| Return on assets (ROA) | 0.7435% | 3,676 |
| Pretax return on assets | 0.7435% | 4,363 |
| Return on Equity (ROE) | 8.9365% | 2,566 |
| Retained earnings to average equity (ytd only) | 4.5420% | 2,932 |
| Net charge-offs to loans | 0.2543% | 2,450 |
| Credit loss provision to net charge-offs | 66.9856% | 3,381 |
| Earnings coverage of net charge-offs (x) | 4.4354% | 3,565 |
| Efficiency ratio | 81.6798% | 1,922 |
| Assets per employee ($millions) | 3.5628% | 4,776 |
| Cash dividends to net income (ytd only)* | 49.1741% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 5,692 |
| Loan loss allowance to noncurrent loans | 116.4539% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 3,980 |
| Noncurrent loans to loans | 0.8350% | 3,891 |
| Net loans and leases to total assets | 78.2278% | 798 |
| Net loans and leases to deposits | 87.7864% | 1,490 |
| Net loans and leases to core deposits | 100.6246% | 1,106 |
| Total domestic deposits to total assets | 89.1116% | 1,545 |
| Equity capital to assets | 8.5102% | 5,568 |
| Core capital (leverage) ratio | 8.5002% | 5,673 |
| Tier 1 risk-based capital ratio | 11.3406% | 6,000 |
| Total risk-based capital ratio | 12.3741% | 6,061 |
| Memoranda: | ||
| Average total assets | $105,846,400 | 4,595 |
| Average earning assets | $93,483,800 | 4,692 |
| Average equity | $8,806,600 | 5,142 |
| Average total loans | $82,171,800 | 3,876 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,309 |
| Cost of funding earning assets | 0.3617% | 5,182 |
| Net interest margin | 4.4547% | 796 |
| Noninterest income to average assets | 0.8321% | 2,001 |
| Noninterest expense to average assets | 3.9461% | 915 |
| Loan and lease loss provision to assets | 0.1768% | 2,057 |
| Net operating income to assets | 0.6592% | 4,072 |
| Return on assets (ROA) | 0.6592% | 4,206 |
| Pretax return on assets | 0.6592% | 4,826 |
| Return on Equity (ROE) | 7.9684% | 3,138 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,812 |
| Net charge-offs to loans | 0.3480% | 1,811 |
| Credit loss provision to net charge-offs | 65.7277% | 3,162 |
| Earnings coverage of net charge-offs (x) | 3.1080% | 3,799 |
| Efficiency ratio | 82.5191% | 1,758 |
| Assets per employee ($millions) | 3.4630% | 4,916 |
| Cash dividends to net income (ytd only)* | 68.3913% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,685 |
| Loan loss allowance to noncurrent loans | 113.1579% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 3,721 |
| Noncurrent loans to loans | 0.8889% | 4,048 |
| Net loans and leases to total assets | 77.3975% | 822 |
| Net loans and leases to deposits | 87.0340% | 1,488 |
| Net loans and leases to core deposits | 99.9789% | 1,116 |
| Total domestic deposits to total assets | 88.9278% | 1,597 |
| Equity capital to assets | 8.5301% | 5,705 |
| Core capital (leverage) ratio | 8.4111% | 5,847 |
| Tier 1 risk-based capital ratio | 11.5856% | 6,016 |
| Total risk-based capital ratio | 12.6644% | 6,061 |
| Memoranda: | ||
| Average total assets | $105,587,000 | 4,651 |
| Average earning assets | $93,621,500 | 4,736 |
| Average equity | $8,734,250 | 5,207 |
| Average total loans | $81,606,250 | 3,924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 1,443 |
| Cost of funding earning assets | 0.3740% | 5,191 |
| Net interest margin | 4.3754% | 892 |
| Noninterest income to average assets | 0.7800% | 2,276 |
| Noninterest expense to average assets | 3.9773% | 891 |
| Loan and lease loss provision to assets | 0.2638% | 1,404 |
| Net operating income to assets | 0.4409% | 5,059 |
| Return on assets (ROA) | 0.4409% | 5,225 |
| Pretax return on assets | 0.4409% | 5,547 |
| Return on Equity (ROE) | 5.3845% | 4,524 |
| Retained earnings to average equity (ytd only) | -2.8303% | 6,289 |
| Net charge-offs to loans | 0.2007% | 2,559 |
| Credit loss provision to net charge-offs | 170.7317% | 1,381 |
| Earnings coverage of net charge-offs (x) | 4.5610% | 3,095 |
| Efficiency ratio | 84.9497% | 1,537 |
| Assets per employee ($millions) | 3.5388% | 4,778 |
| Cash dividends to net income (ytd only)* | 152.5641% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,062 |
| Loan loss allowance to noncurrent loans | 107.8498% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 3,631 |
| Noncurrent loans to loans | 1.0998% | 3,731 |
| Net loans and leases to total assets | 74.3932% | 1,195 |
| Net loans and leases to deposits | 83.1601% | 1,905 |
| Net loans and leases to core deposits | 96.6021% | 1,302 |
| Total domestic deposits to total assets | 89.4577% | 1,347 |
| Equity capital to assets | 8.0800% | 6,144 |
| Core capital (leverage) ratio | 8.2399% | 5,970 |
| Tier 1 risk-based capital ratio | 11.3140% | 6,196 |
| Total risk-based capital ratio | 12.5768% | 6,158 |
| Memoranda: | ||
| Average total assets | $106,152,330 | 4,664 |
| Average earning assets | $94,665,000 | 4,739 |
| Average equity | $8,691,670 | 5,246 |
| Average total loans | $81,733,000 | 3,933 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 1,408 |
| Cost of funding earning assets | 0.4155% | 4,959 |
| Net interest margin | 4.3331% | 903 |
| Noninterest income to average assets | 0.9157% | 1,711 |
| Noninterest expense to average assets | 4.1188% | 776 |
| Loan and lease loss provision to assets | 0.3392% | 985 |
| Net operating income to assets | 0.3090% | 5,539 |
| Return on assets (ROA) | 0.3090% | 5,665 |
| Pretax return on assets | 0.3090% | 5,829 |
| Return on Equity (ROE) | 3.7492% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,986 |
| Net charge-offs to loans | 0.0484% | 3,356 |
| Credit loss provision to net charge-offs | 900.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,333 |
| Efficiency ratio | 86.4032% | 1,468 |
| Assets per employee ($millions) | 3.4898% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 5,234 |
| Loan loss allowance to noncurrent loans | 96.8064% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 3,421 |
| Noncurrent loans to loans | 1.2260% | 3,726 |
| Net loans and leases to total assets | 77.1364% | 704 |
| Net loans and leases to deposits | 86.5434% | 1,288 |
| Net loans and leases to core deposits | 100.4890% | 919 |
| Total domestic deposits to total assets | 89.1303% | 1,606 |
| Equity capital to assets | 8.3920% | 6,111 |
| Core capital (leverage) ratio | 8.3821% | 5,734 |
| Tier 1 risk-based capital ratio | 11.2628% | 6,283 |
| Total risk-based capital ratio | 12.5203% | 6,258 |
| Memoranda: | ||
| Average total assets | $106,147,000 | 4,712 |
| Average earning assets | $94,344,000 | 4,788 |
| Average equity | $8,748,500 | 5,288 |
| Average total loans | $82,636,500 | 3,934 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3345% | 859 |
| Cost of funding earning assets | 0.6210% | 4,166 |
| Net interest margin | 4.7135% | 636 |
| Noninterest income to average assets | 1.1930% | 1,100 |
| Noninterest expense to average assets | 4.1628% | 813 |
| Loan and lease loss provision to assets | 0.7216% | 707 |
| Net operating income to assets | 0.3486% | 5,299 |
| Return on assets (ROA) | 0.3486% | 5,522 |
| Pretax return on assets | 0.3486% | 5,723 |
| Return on Equity (ROE) | 4.2491% | 5,039 |
| Retained earnings to average equity (ytd only) | 0.7767% | 5,474 |
| Net charge-offs to loans | 0.9308% | 1,200 |
| Credit loss provision to net charge-offs | 97.4684% | 3,182 |
| Earnings coverage of net charge-offs (x) | 1.4456% | 4,725 |
| Efficiency ratio | 79.5487% | 2,204 |
| Assets per employee ($millions) | 3.5866% | 4,811 |
| Cash dividends to net income (ytd only)* | 81.7204% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,701 |
| Loan loss allowance to noncurrent loans | 87.1569% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 3,536 |
| Noncurrent loans to loans | 1.2209% | 3,807 |
| Net loans and leases to total assets | 76.8186% | 818 |
| Net loans and leases to deposits | 87.2184% | 1,362 |
| Net loans and leases to core deposits | 104.1769% | 779 |
| Total domestic deposits to total assets | 88.0761% | 2,190 |
| Equity capital to assets | 8.0958% | 6,354 |
| Core capital (leverage) ratio | 7.9163% | 6,273 |
| Tier 1 risk-based capital ratio | 11.0193% | 6,343 |
| Total risk-based capital ratio | 12.1480% | 6,357 |
| Memoranda: | ||
| Average total assets | $106,707,600 | 4,660 |
| Average earning assets | $91,460,400 | 4,828 |
| Average equity | $8,754,800 | 5,285 |
| Average total loans | $84,874,200 | 3,879 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 786 |
| Cost of funding earning assets | 0.6460% | 4,230 |
| Net interest margin | 4.7821% | 578 |
| Noninterest income to average assets | 1.2446% | 965 |
| Noninterest expense to average assets | 4.0731% | 860 |
| Loan and lease loss provision to assets | 0.4382% | 1,441 |
| Net operating income to assets | 0.8026% | 3,439 |
| Return on assets (ROA) | 0.8026% | 3,685 |
| Pretax return on assets | 0.8026% | 4,473 |
| Return on Equity (ROE) | 9.7499% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.1259% | 3,270 |
| Net charge-offs to loans | 0.3771% | 2,591 |
| Credit loss provision to net charge-offs | 145.2282% | 1,967 |
| Earnings coverage of net charge-offs (x) | 4.1120% | 3,402 |
| Efficiency ratio | 76.6494% | 2,575 |
| Assets per employee ($millions) | 3.7198% | 4,499 |
| Cash dividends to net income (ytd only)* | 47.4253% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,468 |
| Loan loss allowance to noncurrent loans | 78.6873% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 3,533 |
| Noncurrent loans to loans | 1.4762% | 3,578 |
| Net loans and leases to total assets | 77.6952% | 766 |
| Net loans and leases to deposits | 88.1040% | 1,335 |
| Net loans and leases to core deposits | 103.5185% | 893 |
| Total domestic deposits to total assets | 88.1859% | 1,931 |
| Equity capital to assets | 8.0532% | 6,566 |
| Core capital (leverage) ratio | 8.2252% | 6,111 |
| Tier 1 risk-based capital ratio | 10.8665% | 6,534 |
| Total risk-based capital ratio | 12.1040% | 6,517 |
| Memoranda: | ||
| Average total assets | $106,484,750 | 4,721 |
| Average earning assets | $90,613,250 | 4,894 |
| Average equity | $8,765,750 | 5,334 |
| Average total loans | $85,206,500 | 3,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 677 |
| Cost of funding earning assets | 0.6701% | 4,275 |
| Net interest margin | 4.8600% | 504 |
| Noninterest income to average assets | 1.2979% | 839 |
| Noninterest expense to average assets | 4.1763% | 753 |
| Loan and lease loss provision to assets | 0.1527% | 3,613 |
| Net operating income to assets | 1.0250% | 2,362 |
| Return on assets (ROA) | 1.0250% | 2,585 |
| Pretax return on assets | 1.0250% | 3,616 |
| Return on Equity (ROE) | 12.3562% | 1,555 |
| Retained earnings to average equity (ytd only) | 6.9489% | 2,129 |
| Net charge-offs to loans | 0.7278% | 1,522 |
| Credit loss provision to net charge-offs | 26.0586% | 4,507 |
| Earnings coverage of net charge-offs (x) | 2.0098% | 3,983 |
| Efficiency ratio | 78.0036% | 2,455 |
| Assets per employee ($millions) | 3.4977% | 4,992 |
| Cash dividends to net income (ytd only)* | 43.7616% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 6,734 |
| Loan loss allowance to noncurrent loans | 55.3485% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4848% | 3,474 |
| Noncurrent loans to loans | 1.3859% | 3,844 |
| Net loans and leases to total assets | 81.4865% | 371 |
| Net loans and leases to deposits | 92.5949% | 881 |
| Net loans and leases to core deposits | 109.7987% | 582 |
| Total domestic deposits to total assets | 88.0032% | 2,137 |
| Equity capital to assets | 8.1233% | 6,506 |
| Core capital (leverage) ratio | 8.1431% | 6,107 |
| Tier 1 risk-based capital ratio | 10.4286% | 6,721 |
| Total risk-based capital ratio | 11.2412% | 6,811 |
| Memoranda: | ||
| Average total assets | $104,781,330 | 4,783 |
| Average earning assets | $87,447,670 | 5,009 |
| Average equity | $8,692,000 | 5,358 |
| Average total loans | $84,367,670 | 3,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4980% | 757 |
| Cost of funding earning assets | 0.6809% | 4,451 |
| Net interest margin | 4.8172% | 544 |
| Noninterest income to average assets | 1.2976% | 849 |
| Noninterest expense to average assets | 4.2037% | 734 |
| Loan and lease loss provision to assets | 0.1166% | 3,895 |
| Net operating income to assets | 1.0179% | 2,407 |
| Return on assets (ROA) | 1.0179% | 2,600 |
| Pretax return on assets | 1.0179% | 3,616 |
| Return on Equity (ROE) | 12.1381% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.2578% | 974 |
| Net charge-offs to loans | 0.4974% | 1,847 |
| Credit loss provision to net charge-offs | 29.4118% | 3,630 |
| Earnings coverage of net charge-offs (x) | 2.8627% | 3,034 |
| Efficiency ratio | 78.7482% | 2,391 |
| Assets per employee ($millions) | 3.4244% | 5,286 |
| Cash dividends to net income (ytd only)* | 7.2519% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 6,245 |
| Loan loss allowance to noncurrent loans | 36.1831% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.5359% | 2,333 |
| Noncurrent loans to loans | 2.7650% | 2,347 |
| Net loans and leases to total assets | 78.1133% | 582 |
| Net loans and leases to deposits | 88.8748% | 1,069 |
| Net loans and leases to core deposits | 99.7858% | 1,001 |
| Total domestic deposits to total assets | 87.8914% | 2,401 |
| Equity capital to assets | 8.2464% | 6,319 |
| Core capital (leverage) ratio | 8.7359% | 5,239 |
| Tier 1 risk-based capital ratio | 10.7754% | 6,636 |
| Total risk-based capital ratio | 11.8126% | 6,703 |
| Memoranda: | ||
| Average total assets | $102,957,500 | 4,866 |
| Average earning assets | $86,358,000 | 5,069 |
| Average equity | $8,634,000 | 5,388 |
| Average total loans | $82,032,500 | 4,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 789 |
| Cost of funding earning assets | 0.8112% | 4,783 |
| Net interest margin | 4.8831% | 527 |
| Noninterest income to average assets | 1.7898% | 446 |
| Noninterest expense to average assets | 4.5079% | 588 |
| Loan and lease loss provision to assets | 0.5449% | 1,920 |
| Net operating income to assets | 0.8584% | 2,776 |
| Return on assets (ROA) | 0.8584% | 2,932 |
| Pretax return on assets | 0.8584% | 3,752 |
| Return on Equity (ROE) | 9.9533% | 2,074 |
| Retained earnings to average equity (ytd only) | 4.7680% | 2,812 |
| Net charge-offs to loans | 0.4141% | 3,352 |
| Credit loss provision to net charge-offs | 164.0867% | 1,666 |
| Earnings coverage of net charge-offs (x) | 4.2260% | 3,212 |
| Efficiency ratio | 76.2609% | 2,847 |
| Assets per employee ($millions) | 3.2180% | 5,675 |
| Cash dividends to net income (ytd only)* | 52.0958% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,690 |
| Loan loss allowance to noncurrent loans | 38.3158% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 2,159 |
| Noncurrent loans to loans | 2.9575% | 2,196 |
| Net loans and leases to total assets | 79.5868% | 535 |
| Net loans and leases to deposits | 91.2156% | 1,033 |
| Net loans and leases to core deposits | 97.3921% | 1,383 |
| Total domestic deposits to total assets | 87.2513% | 2,609 |
| Equity capital to assets | 8.5346% | 6,100 |
| Core capital (leverage) ratio | 8.6370% | 5,337 |
| Tier 1 risk-based capital ratio | 10.4895% | 6,686 |
| Total risk-based capital ratio | 11.6176% | 6,721 |
| Memoranda: | ||
| Average total assets | $97,274,000 | 4,971 |
| Average earning assets | $82,099,000 | 5,167 |
| Average equity | $8,389,200 | 5,441 |
| Average total loans | $77,999,200 | 4,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 789 |
| Cost of funding earning assets | 0.8329% | 4,919 |
| Net interest margin | 4.9059% | 505 |
| Noninterest income to average assets | 1.9713% | 392 |
| Noninterest expense to average assets | 4.3357% | 689 |
| Loan and lease loss provision to assets | 0.7311% | 1,312 |
| Net operating income to assets | 1.0484% | 2,146 |
| Return on assets (ROA) | 1.0484% | 2,293 |
| Pretax return on assets | 1.0484% | 3,219 |
| Return on Equity (ROE) | 12.1238% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.1845% | 3,070 |
| Net charge-offs to loans | 0.5304% | 2,639 |
| Credit loss provision to net charge-offs | 172.0779% | 1,746 |
| Earnings coverage of net charge-offs (x) | 4.1883% | 3,151 |
| Efficiency ratio | 70.9001% | 3,761 |
| Assets per employee ($millions) | 3.2305% | 5,607 |
| Cash dividends to net income (ytd only)* | 57.2372% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,489 |
| Loan loss allowance to noncurrent loans | 43.8032% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 2,681 |
| Noncurrent loans to loans | 2.7272% | 2,571 |
| Net loans and leases to total assets | 79.0260% | 602 |
| Net loans and leases to deposits | 90.9186% | 1,116 |
| Net loans and leases to core deposits | 96.2874% | 1,577 |
| Total domestic deposits to total assets | 86.9195% | 2,703 |
| Equity capital to assets | 8.7210% | 6,061 |
| Core capital (leverage) ratio | 8.5895% | 5,570 |
| Tier 1 risk-based capital ratio | 10.7657% | 6,682 |
| Total risk-based capital ratio | 11.9543% | 6,685 |
| Memoranda: | ||
| Average total assets | $96,652,750 | 5,018 |
| Average earning assets | $81,641,250 | 5,227 |
| Average equity | $8,358,000 | 5,484 |
| Average total loans | $77,422,750 | 4,266 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 1,192 |
| Cost of funding earning assets | 0.8458% | 5,097 |
| Net interest margin | 4.7008% | 724 |
| Noninterest income to average assets | 2.2679% | 308 |
| Noninterest expense to average assets | 4.2500% | 786 |
| Loan and lease loss provision to assets | 1.0977% | 748 |
| Net operating income to assets | 0.9030% | 2,621 |
| Return on assets (ROA) | 0.9030% | 2,730 |
| Pretax return on assets | 0.9030% | 3,603 |
| Return on Equity (ROE) | 10.4724% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.1513% | 1,057 |
| Net charge-offs to loans | 0.0698% | 4,941 |
| Credit loss provision to net charge-offs | 1,962.9630% | 170 |
| Earnings coverage of net charge-offs (x) | 35.7778% | 809 |
| Efficiency ratio | 67.9920% | 4,517 |
| Assets per employee ($millions) | 3.3385% | 5,348 |
| Cash dividends to net income (ytd only)* | 12.6147% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,972 |
| Loan loss allowance to noncurrent loans | 37.4767% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 3.5324% | 1,858 |
| Noncurrent loans to loans | 4.0899% | 1,684 |
| Net loans and leases to total assets | 80.0221% | 526 |
| Net loans and leases to deposits | 92.1367% | 1,045 |
| Net loans and leases to core deposits | 96.4087% | 1,636 |
| Total domestic deposits to total assets | 86.8515% | 2,819 |
| Equity capital to assets | 8.7949% | 5,820 |
| Core capital (leverage) ratio | 8.5538% | 5,467 |
| Tier 1 risk-based capital ratio | 10.7100% | 6,709 |
| Total risk-based capital ratio | 11.9658% | 6,689 |
| Memoranda: | ||
| Average total assets | $96,565,330 | 5,058 |
| Average earning assets | $81,816,000 | 5,266 |
| Average equity | $8,326,670 | 5,509 |
| Average total loans | $77,392,330 | 4,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 1,434 |
| Cost of funding earning assets | 0.8314% | 5,384 |
| Net interest margin | 4.6167% | 835 |
| Noninterest income to average assets | 3.2227% | 202 |
| Noninterest expense to average assets | 4.0689% | 955 |
| Loan and lease loss provision to assets | 2.1983% | 245 |
| Net operating income to assets | 0.8710% | 2,699 |
| Return on assets (ROA) | 0.8710% | 2,756 |
| Pretax return on assets | 0.8710% | 3,617 |
| Return on Equity (ROE) | 10.2035% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.2317% | 1,310 |
| Net charge-offs to loans | 0.0261% | 4,724 |
| Credit loss provision to net charge-offs | 10,600.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 211 |
| Efficiency ratio | 57.0017% | 6,382 |
| Assets per employee ($millions) | 3.3904% | 5,272 |
| Cash dividends to net income (ytd only)* | 9.5238% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 3,803 |
| Loan loss allowance to noncurrent loans | 36.2777% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 3.6482% | 1,860 |
| Noncurrent loans to loans | 4.3637% | 1,620 |
| Net loans and leases to total assets | 77.6469% | 778 |
| Net loans and leases to deposits | 88.9148% | 1,362 |
| Net loans and leases to core deposits | 95.4431% | 1,721 |
| Total domestic deposits to total assets | 87.3274% | 2,749 |
| Equity capital to assets | 8.4701% | 5,952 |
| Core capital (leverage) ratio | 8.6448% | 5,182 |
| Tier 1 risk-based capital ratio | 10.5071% | 6,797 |
| Total risk-based capital ratio | 11.7639% | 6,784 |
| Memoranda: | ||
| Average total assets | $96,439,500 | 5,098 |
| Average earning assets | $81,790,500 | 5,306 |
| Average equity | $8,232,500 | 5,542 |
| Average total loans | $76,748,000 | 4,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 2,331 |
| Cost of funding earning assets | 1.0554% | 5,394 |
| Net interest margin | 4.4345% | 1,390 |
| Noninterest income to average assets | 1.2720% | 911 |
| Noninterest expense to average assets | 4.1684% | 939 |
| Loan and lease loss provision to assets | 0.7794% | 2,100 |
| Net operating income to assets | 0.1757% | 5,360 |
| Return on assets (ROA) | 0.1757% | 5,524 |
| Pretax return on assets | 0.1757% | 5,542 |
| Return on Equity (ROE) | 2.0133% | 5,372 |
| Retained earnings to average equity (ytd only) | -5.9937% | 6,383 |
| Net charge-offs to loans | 1.1064% | 2,015 |
| Credit loss provision to net charge-offs | 85.2097% | 5,335 |
| Earnings coverage of net charge-offs (x) | 1.0442% | 5,064 |
| Efficiency ratio | 81.3596% | 2,242 |
| Assets per employee ($millions) | 3.3770% | 5,223 |
| Cash dividends to net income (ytd only)* | 397.7011% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,647 |
| Loan loss allowance to noncurrent loans | 23.5827% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 3.3440% | 2,104 |
| Noncurrent loans to loans | 3.9263% | 1,860 |
| Net loans and leases to total assets | 79.5510% | 723 |
| Net loans and leases to deposits | 91.4196% | 1,332 |
| Net loans and leases to core deposits | 98.4285% | 1,757 |
| Total domestic deposits to total assets | 87.0174% | 2,815 |
| Equity capital to assets | 8.6054% | 5,715 |
| Core capital (leverage) ratio | 8.5358% | 5,291 |
| Tier 1 risk-based capital ratio | 10.4045% | 6,755 |
| Total risk-based capital ratio | 11.3117% | 6,936 |
| Memoranda: | ||
| Average total assets | $99,055,400 | 5,009 |
| Average earning assets | $86,030,800 | 5,144 |
| Average equity | $8,642,400 | 5,518 |
| Average total loans | $81,887,800 | 4,285 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 2,635 |
| Cost of funding earning assets | 1.0922% | 5,468 |
| Net interest margin | 4.3598% | 1,642 |
| Noninterest income to average assets | 1.2231% | 926 |
| Noninterest expense to average assets | 3.7438% | 1,487 |
| Loan and lease loss provision to assets | 0.9077% | 1,667 |
| Net operating income to assets | 0.3806% | 4,832 |
| Return on assets (ROA) | 0.3806% | 5,025 |
| Pretax return on assets | 0.3806% | 5,279 |
| Return on Equity (ROE) | 4.3486% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.8854% | 5,015 |
| Net charge-offs to loans | 1.4264% | 1,426 |
| Credit loss provision to net charge-offs | 76.4574% | 5,239 |
| Earnings coverage of net charge-offs (x) | 1.0852% | 4,969 |
| Efficiency ratio | 74.3983% | 3,242 |
| Assets per employee ($millions) | 3.3981% | 5,213 |
| Cash dividends to net income (ytd only)* | 56.6427% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 7,011 |
| Loan loss allowance to noncurrent loans | 24.9602% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 2.7736% | 2,612 |
| Noncurrent loans to loans | 3.2035% | 2,483 |
| Net loans and leases to total assets | 81.7565% | 524 |
| Net loans and leases to deposits | 94.6372% | 1,137 |
| Net loans and leases to core deposits | 101.9035% | 1,662 |
| Total domestic deposits to total assets | 86.3893% | 2,859 |
| Equity capital to assets | 9.2626% | 5,203 |
| Core capital (leverage) ratio | 8.9614% | 4,750 |
| Tier 1 risk-based capital ratio | 10.9069% | 6,454 |
| Total risk-based capital ratio | 11.6925% | 6,808 |
| Memoranda: | ||
| Average total assets | $100,180,000 | 5,040 |
| Average earning assets | $87,524,750 | 5,158 |
| Average equity | $8,768,750 | 5,563 |
| Average total loans | $83,378,750 | 4,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 3,030 |
| Cost of funding earning assets | 1.1320% | 5,506 |
| Net interest margin | 4.2543% | 1,946 |
| Noninterest income to average assets | 1.1545% | 968 |
| Noninterest expense to average assets | 3.6895% | 1,575 |
| Loan and lease loss provision to assets | 0.7854% | 1,831 |
| Net operating income to assets | 0.4064% | 4,727 |
| Return on assets (ROA) | 0.4064% | 4,889 |
| Pretax return on assets | 0.4064% | 5,203 |
| Return on Equity (ROE) | 4.7293% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.9420% | 4,899 |
| Net charge-offs to loans | 0.6468% | 2,603 |
| Credit loss provision to net charge-offs | 145.4545% | 2,727 |
| Earnings coverage of net charge-offs (x) | 2.2073% | 3,907 |
| Efficiency ratio | 75.5833% | 3,148 |
| Assets per employee ($millions) | 3.7246% | 4,403 |
| Cash dividends to net income (ytd only)* | 58.9372% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,587 |
| Loan loss allowance to noncurrent loans | 20.4203% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 4.8109% | 1,347 |
| Noncurrent loans to loans | 5.7436% | 1,129 |
| Net loans and leases to total assets | 80.6054% | 712 |
| Net loans and leases to deposits | 92.5469% | 1,448 |
| Net loans and leases to core deposits | 99.3090% | 2,086 |
| Total domestic deposits to total assets | 87.0968% | 2,484 |
| Equity capital to assets | 8.7506% | 5,812 |
| Core capital (leverage) ratio | 8.5695% | 5,296 |
| Tier 1 risk-based capital ratio | 10.3777% | 6,780 |
| Total risk-based capital ratio | 11.5299% | 6,834 |
| Memoranda: | ||
| Average total assets | $101,858,000 | 5,024 |
| Average earning assets | $89,226,330 | 5,129 |
| Average equity | $8,754,000 | 5,574 |
| Average total loans | $85,033,330 | 4,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3948% | 3,057 |
| Cost of funding earning assets | 1.1532% | 5,646 |
| Net interest margin | 4.2416% | 1,885 |
| Noninterest income to average assets | 1.1199% | 999 |
| Noninterest expense to average assets | 3.6018% | 1,732 |
| Loan and lease loss provision to assets | 0.8195% | 1,545 |
| Net operating income to assets | 0.4449% | 4,639 |
| Return on assets (ROA) | 0.4449% | 4,771 |
| Pretax return on assets | 0.4449% | 5,147 |
| Return on Equity (ROE) | 5.2228% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.1991% | 4,808 |
| Net charge-offs to loans | 0.4021% | 2,832 |
| Credit loss provision to net charge-offs | 241.3793% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.7241% | 2,811 |
| Efficiency ratio | 74.0176% | 3,573 |
| Assets per employee ($millions) | 3.9050% | 4,086 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,913 |
| Loan loss allowance to noncurrent loans | 14.2285% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 6.7704% | 814 |
| Noncurrent loans to loans | 7.8740% | 693 |
| Net loans and leases to total assets | 83.4502% | 433 |
| Net loans and leases to deposits | 98.8727% | 834 |
| Net loans and leases to core deposits | 108.6285% | 1,371 |
| Total domestic deposits to total assets | 84.4017% | 3,950 |
| Equity capital to assets | 8.6172% | 5,848 |
| Core capital (leverage) ratio | 8.5398% | 5,307 |
| Tier 1 risk-based capital ratio | 9.9392% | 7,071 |
| Total risk-based capital ratio | 11.0452% | 7,154 |
| Memoranda: | ||
| Average total assets | $102,505,000 | 5,075 |
| Average earning assets | $90,532,000 | 5,150 |
| Average equity | $8,731,000 | 5,615 |
| Average total loans | $86,539,000 | 4,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 2,649 |
| Cost of funding earning assets | 1.4162% | 5,860 |
| Net interest margin | 4.3838% | 1,481 |
| Noninterest income to average assets | 1.0644% | 1,354 |
| Noninterest expense to average assets | 3.5989% | 2,147 |
| Loan and lease loss provision to assets | 0.6727% | 3,129 |
| Net operating income to assets | 0.7370% | 2,783 |
| Return on assets (ROA) | 0.7370% | 2,867 |
| Pretax return on assets | 0.7370% | 3,450 |
| Return on Equity (ROE) | 9.5702% | 1,831 |
| Retained earnings to average equity (ytd only) | 2.3251% | 3,493 |
| Net charge-offs to loans | 0.9286% | 2,535 |
| Credit loss provision to net charge-offs | 85.1064% | 6,160 |
| Earnings coverage of net charge-offs (x) | 1.7835% | 4,385 |
| Efficiency ratio | 71.8546% | 4,284 |
| Assets per employee ($millions) | 3.8326% | 4,200 |
| Cash dividends to net income (ytd only)* | 75.7047% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,590 |
| Loan loss allowance to noncurrent loans | 18.0934% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 4.5932% | 1,398 |
| Noncurrent loans to loans | 5.2935% | 1,241 |
| Net loans and leases to total assets | 83.6432% | 472 |
| Net loans and leases to deposits | 105.8493% | 558 |
| Net loans and leases to core deposits | 133.5895% | 1,082 |
| Total domestic deposits to total assets | 79.0211% | 5,973 |
| Equity capital to assets | 8.4200% | 6,031 |
| Core capital (leverage) ratio | 8.4156% | 5,411 |
| Tier 1 risk-based capital ratio | 9.7106% | 7,092 |
| Total risk-based capital ratio | 10.6579% | 7,257 |
| Memoranda: | ||
| Average total assets | $101,085,400 | 5,058 |
| Average earning assets | $90,948,400 | 5,091 |
| Average equity | $7,784,600 | 6,001 |
| Average total loans | $86,042,600 | 4,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8046% | 2,873 |
| Cost of funding earning assets | 1.4647% | 5,981 |
| Net interest margin | 4.3399% | 1,619 |
| Noninterest income to average assets | 1.0495% | 1,443 |
| Noninterest expense to average assets | 3.6435% | 1,935 |
| Loan and lease loss provision to assets | 0.6210% | 2,908 |
| Net operating income to assets | 0.7046% | 3,189 |
| Return on assets (ROA) | 0.7046% | 3,250 |
| Pretax return on assets | 0.7046% | 3,837 |
| Return on Equity (ROE) | 9.3741% | 2,133 |
| Retained earnings to average equity (ytd only) | -0.2119% | 5,267 |
| Net charge-offs to loans | 0.7841% | 2,402 |
| Credit loss provision to net charge-offs | 92.8571% | 5,403 |
| Earnings coverage of net charge-offs (x) | 1.9822% | 4,333 |
| Efficiency ratio | 73.3244% | 3,992 |
| Assets per employee ($millions) | 3.7282% | 4,362 |
| Cash dividends to net income (ytd only)* | 102.2600% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 5,876 |
| Loan loss allowance to noncurrent loans | 56.2691% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7504% | 3,732 |
| Noncurrent loans to loans | 1.9072% | 3,766 |
| Net loans and leases to total assets | 84.2483% | 508 |
| Net loans and leases to deposits | 107.4677% | 580 |
| Net loans and leases to core deposits | 138.6535% | 980 |
| Total domestic deposits to total assets | 78.3940% | 5,980 |
| Equity capital to assets | 7.7278% | 7,125 |
| Core capital (leverage) ratio | 7.6608% | 6,785 |
| Tier 1 risk-based capital ratio | 8.9670% | 7,632 |
| Total risk-based capital ratio | 10.0468% | 7,713 |
| Memoranda: | ||
| Average total assets | $100,486,750 | 5,111 |
| Average earning assets | $90,753,500 | 5,135 |
| Average equity | $7,552,500 | 6,128 |
| Average total loans | $85,705,500 | 4,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 3,169 |
| Cost of funding earning assets | 1.5215% | 6,054 |
| Net interest margin | 4.2522% | 1,811 |
| Noninterest income to average assets | 0.9918% | 1,620 |
| Noninterest expense to average assets | 3.6603% | 1,920 |
| Loan and lease loss provision to assets | 0.5915% | 2,672 |
| Net operating income to assets | 0.5915% | 3,710 |
| Return on assets (ROA) | 0.5915% | 3,825 |
| Pretax return on assets | 0.5915% | 4,344 |
| Return on Equity (ROE) | 7.9444% | 2,797 |
| Retained earnings to average equity (ytd only) | -3.9856% | 6,137 |
| Net charge-offs to loans | 0.6044% | 2,530 |
| Credit loss provision to net charge-offs | 114.6718% | 4,036 |
| Earnings coverage of net charge-offs (x) | 2.2934% | 3,920 |
| Efficiency ratio | 75.5757% | 3,777 |
| Assets per employee ($millions) | 3.7096% | 4,296 |
| Cash dividends to net income (ytd only)* | 150.1684% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,162 |
| Loan loss allowance to noncurrent loans | 52.9851% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 3,199 |
| Noncurrent loans to loans | 2.2011% | 3,253 |
| Net loans and leases to total assets | 84.1013% | 620 |
| Net loans and leases to deposits | 107.4481% | 679 |
| Net loans and leases to core deposits | 134.2990% | 1,299 |
| Total domestic deposits to total assets | 78.2715% | 6,009 |
| Equity capital to assets | 7.5380% | 7,229 |
| Core capital (leverage) ratio | 7.4309% | 7,100 |
| Tier 1 risk-based capital ratio | 8.8827% | 7,752 |
| Total risk-based capital ratio | 10.0673% | 7,820 |
| Memoranda: | ||
| Average total assets | $100,428,330 | 5,152 |
| Average earning assets | $90,965,670 | 5,162 |
| Average equity | $7,477,000 | 6,192 |
| Average total loans | $85,698,670 | 4,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 3,716 |
| Cost of funding earning assets | 1.5831% | 6,100 |
| Net interest margin | 4.1326% | 2,153 |
| Noninterest income to average assets | 0.9506% | 1,638 |
| Noninterest expense to average assets | 3.5798% | 1,907 |
| Loan and lease loss provision to assets | 0.5807% | 2,168 |
| Net operating income to assets | 0.5489% | 4,220 |
| Return on assets (ROA) | 0.5489% | 4,400 |
| Pretax return on assets | 0.5489% | 4,919 |
| Return on Equity (ROE) | 7.4189% | 3,416 |
| Retained earnings to average equity (ytd only) | -7.0963% | 6,803 |
| Net charge-offs to loans | 0.9775% | 1,375 |
| Credit loss provision to net charge-offs | 69.5238% | 4,363 |
| Earnings coverage of net charge-offs (x) | 1.3524% | 4,059 |
| Efficiency ratio | 76.0135% | 3,490 |
| Assets per employee ($millions) | 3.8840% | 3,913 |
| Cash dividends to net income (ytd only)* | 195.6522% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 5,922 |
| Loan loss allowance to noncurrent loans | 47.0216% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.0043% | 2,897 |
| Noncurrent loans to loans | 2.1931% | 2,988 |
| Net loans and leases to total assets | 84.7720% | 582 |
| Net loans and leases to deposits | 108.5254% | 698 |
| Net loans and leases to core deposits | 138.0202% | 1,203 |
| Total domestic deposits to total assets | 78.1126% | 5,977 |
| Equity capital to assets | 7.3219% | 7,477 |
| Core capital (leverage) ratio | 7.2756% | 7,401 |
| Tier 1 risk-based capital ratio | 8.6102% | 7,921 |
| Total risk-based capital ratio | 9.6666% | 7,993 |
| Memoranda: | ||
| Average total assets | $100,563,000 | 5,165 |
| Average earning assets | $91,468,000 | 5,169 |
| Average equity | $7,440,500 | 6,248 |
| Average total loans | $85,933,500 | 4,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0274% | 1,056 |
| Cost of funding earning assets | 2.0559% | 6,214 |
| Net interest margin | 4.9715% | 546 |
| Noninterest income to average assets | 1.1205% | 1,244 |
| Noninterest expense to average assets | 3.8734% | 1,613 |
| Loan and lease loss provision to assets | 0.3402% | 3,666 |
| Net operating income to assets | 1.4382% | 1,150 |
| Return on assets (ROA) | 1.4382% | 1,105 |
| Pretax return on assets | 1.4382% | 1,854 |
| Return on Equity (ROE) | 18.8727% | 459 |
| Retained earnings to average equity (ytd only) | 2.7464% | 3,469 |
| Net charge-offs to loans | 0.1184% | 5,079 |
| Credit loss provision to net charge-offs | 344.5652% | 1,315 |
| Earnings coverage of net charge-offs (x) | 18.0109% | 1,729 |
| Efficiency ratio | 68.5340% | 4,624 |
| Assets per employee ($millions) | 3.5765% | 4,482 |
| Cash dividends to net income (ytd only)* | 85.4478% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,135 |
| Loan loss allowance to noncurrent loans | 633.1126% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 6,522 |
| Noncurrent loans to loans | 0.1769% | 6,857 |
| Net loans and leases to total assets | 84.2931% | 841 |
| Net loans and leases to deposits | 114.8603% | 579 |
| Net loans and leases to core deposits | 148.1354% | 931 |
| Total domestic deposits to total assets | 73.3875% | 6,755 |
| Equity capital to assets | 7.4765% | 7,401 |
| Core capital (leverage) ratio | 7.6369% | 7,024 |
| Tier 1 risk-based capital ratio | 8.8786% | 7,864 |
| Total risk-based capital ratio | 10.0253% | 7,991 |
| Memoranda: | ||
| Average total assets | $93,173,800 | 5,252 |
| Average earning assets | $84,924,600 | 5,273 |
| Average equity | $7,100,200 | 6,423 |
| Average total loans | $77,684,400 | 4,596 |