Home > Peoples Bank and Trust Company > Performance and Condition Ratios
Peoples Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4965% | 100 |
| Cost of funding earning assets | 1.8415% | 1,182 |
| Net interest margin | 6.6550% | 73 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 4.8999% | 236 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | 0.6873% | 3,227 |
| Return on assets (ROA) | 0.7183% | 3,117 |
| Pretax return on assets | 0.7183% | 3,398 |
| Return on Equity (ROE) | 4.3500% | 3,840 |
| Retained earnings to average equity (ytd only) | 4.3493% | 2,850 |
| Net charge-offs to loans | 1.4402% | 64 |
| Credit loss provision to net charge-offs | 41.6667% | 2,229 |
| Earnings coverage of net charge-offs (x) | 1.1765% | 2,772 |
| Efficiency ratio | 82.1561% | 770 |
| Assets per employee ($millions) | 2.9363% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,755 |
| Loan loss allowance to noncurrent loans | 16.5354% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 4.4432% | 32 |
| Noncurrent loans to loans | 6.7493% | 27 |
| Net loans and leases to total assets | 63.3700% | 2,529 |
| Net loans and leases to deposits | 84.5373% | 1,735 |
| Net loans and leases to core deposits | 110.5303% | 942 |
| Total domestic deposits to total assets | 74.9600% | 4,034 |
| Equity capital to assets | 17.0008% | 386 |
| Core capital (leverage) ratio | 16.3183% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3027% | 363 |
| Memoranda: | ||
| Average total assets | $45,103,400 | 4,356 |
| Average earning assets | $39,098,400 | 4,353 |
| Average equity | $7,449,400 | 3,993 |
| Average total loans | $28,329,600 | 4,163 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9240% | 115 |
| Cost of funding earning assets | 1.6408% | 1,300 |
| Net interest margin | 6.2832% | 82 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 4.8315% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2108% | 1,767 |
| Return on assets (ROA) | 1.2402% | 1,671 |
| Pretax return on assets | 1.2402% | 2,196 |
| Return on Equity (ROE) | 7.5600% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.5628% | 2,117 |
| Net charge-offs to loans | 0.2680% | 328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 7.2281% | 2,246 |
| Efficiency ratio | 79.9611% | 857 |
| Assets per employee ($millions) | 2.9453% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 524 |
| Loan loss allowance to noncurrent loans | 16.6219% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 6.8583% | 17 |
| Noncurrent loans to loans | 11.1111% | 6 |
| Net loans and leases to total assets | 59.5500% | 2,892 |
| Net loans and leases to deposits | 75.1071% | 2,486 |
| Net loans and leases to core deposits | 95.4432% | 1,588 |
| Total domestic deposits to total assets | 79.2800% | 3,641 |
| Equity capital to assets | 17.0598% | 392 |
| Core capital (leverage) ratio | 16.2529% | 467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4177% | 460 |
| Memoranda: | ||
| Average total assets | $45,368,000 | 4,368 |
| Average earning assets | $40,467,000 | 4,362 |
| Average equity | $7,439,750 | 4,000 |
| Average total loans | $28,355,750 | 4,179 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7563% | 116 |
| Cost of funding earning assets | 1.4058% | 1,435 |
| Net interest margin | 6.3505% | 84 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 4.8990% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6520% | 870 |
| Return on assets (ROA) | 1.6957% | 792 |
| Pretax return on assets | 1.6957% | 1,226 |
| Return on Equity (ROE) | 10.4800% | 2,564 |
| Retained earnings to average equity (ytd only) | 10.4761% | 1,286 |
| Net charge-offs to loans | 0.3948% | 213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.6316% | 2,113 |
| Efficiency ratio | 74.7832% | 1,277 |
| Assets per employee ($millions) | 2.9572% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 561 |
| Loan loss allowance to noncurrent loans | 16.4725% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 6.8917% | 23 |
| Noncurrent loans to loans | 11.1305% | 8 |
| Net loans and leases to total assets | 59.7500% | 2,796 |
| Net loans and leases to deposits | 74.2048% | 2,472 |
| Net loans and leases to core deposits | 93.6039% | 1,589 |
| Total domestic deposits to total assets | 80.5200% | 3,499 |
| Equity capital to assets | 16.9282% | 394 |
| Core capital (leverage) ratio | 15.5880% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0003% | 483 |
| Memoranda: | ||
| Average total assets | $45,764,000 | 4,383 |
| Average earning assets | $40,973,333 | 4,380 |
| Average equity | $7,407,333 | 4,028 |
| Average total loans | $28,873,667 | 4,184 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6645% | 75 |
| Cost of funding earning assets | 1.2167% | 1,409 |
| Net interest margin | 6.4477% | 77 |
| Noninterest income to average assets | 1.9100% | 245 |
| Noninterest expense to average assets | 4.7432% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9612% | 157 |
| Return on assets (ROA) | 3.0473% | 147 |
| Pretax return on assets | 3.0473% | 194 |
| Return on Equity (ROE) | 19.2500% | 848 |
| Retained earnings to average equity (ytd only) | 19.2483% | 416 |
| Net charge-offs to loans | 0.7648% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 6.0351% | 1,794 |
| Efficiency ratio | 61.5642% | 2,749 |
| Assets per employee ($millions) | 3.0538% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 771 |
| Loan loss allowance to noncurrent loans | 17.7674% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 6.1956% | 13 |
| Noncurrent loans to loans | 9.6995% | 14 |
| Net loans and leases to total assets | 61.6200% | 2,499 |
| Net loans and leases to deposits | 76.5277% | 2,072 |
| Net loans and leases to core deposits | 94.4175% | 1,365 |
| Total domestic deposits to total assets | 80.5200% | 3,705 |
| Equity capital to assets | 16.3250% | 376 |
| Core capital (leverage) ratio | 14.4602% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5796% | 528 |
| Memoranda: | ||
| Average total assets | $46,467,000 | 4,446 |
| Average earning assets | $41,751,000 | 4,439 |
| Average equity | $7,356,500 | 4,081 |
| Average total loans | $29,811,500 | 4,225 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 452 |
| Cost of funding earning assets | 0.8800% | 272 |
| Net interest margin | 3.8926% | 967 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 3.5711% | 462 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.4389% | 4,193 |
| Return on assets (ROA) | 0.4526% | 4,124 |
| Pretax return on assets | 0.4526% | 4,228 |
| Return on Equity (ROE) | 3.8600% | 4,182 |
| Retained earnings to average equity (ytd only) | -2.6328% | 4,509 |
| Net charge-offs to loans | 0.2890% | 267 |
| Credit loss provision to net charge-offs | 96.1538% | 1,590 |
| Earnings coverage of net charge-offs (x) | 3.4231% | 2,465 |
| Efficiency ratio | 85.4039% | 440 |
| Assets per employee ($millions) | 3.1418% | 4,505 |
| Cash dividends to net income (ytd only)* | 168.1818% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,889 |
| Loan loss allowance to noncurrent loans | 14.6235% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 5.9435% | 14 |
| Noncurrent loans to loans | 8.8964% | 17 |
| Net loans and leases to total assets | 64.7100% | 2,175 |
| Net loans and leases to deposits | 78.9020% | 1,856 |
| Net loans and leases to core deposits | 94.6026% | 1,267 |
| Total domestic deposits to total assets | 82.0200% | 3,626 |
| Equity capital to assets | 15.3521% | 443 |
| Core capital (leverage) ratio | 14.1124% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5117% | 582 |
| Memoranda: | ||
| Average total assets | $58,329,000 | 4,350 |
| Average earning assets | $52,843,800 | 4,343 |
| Average equity | $6,836,800 | 4,233 |
| Average total loans | $35,985,000 | 4,137 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 720 |
| Cost of funding earning assets | 0.8473% | 129 |
| Net interest margin | 3.4614% | 1,773 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.2280% | 660 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.4929% | 4,094 |
| Return on assets (ROA) | 0.5104% | 3,999 |
| Pretax return on assets | 0.5104% | 4,137 |
| Return on Equity (ROE) | 4.6300% | 4,052 |
| Retained earnings to average equity (ytd only) | -4.1559% | 4,578 |
| Net charge-offs to loans | 0.1933% | 344 |
| Credit loss provision to net charge-offs | 185.1852% | 1,020 |
| Earnings coverage of net charge-offs (x) | 6.0370% | 2,126 |
| Efficiency ratio | 81.9491% | 655 |
| Assets per employee ($millions) | 3.4263% | 4,493 |
| Cash dividends to net income (ytd only)* | 189.7436% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,149 |
| Loan loss allowance to noncurrent loans | 16.4364% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 5.4519% | 12 |
| Noncurrent loans to loans | 9.4900% | 18 |
| Net loans and leases to total assets | 55.5000% | 2,955 |
| Net loans and leases to deposits | 65.1695% | 2,777 |
| Net loans and leases to core deposits | 79.5904% | 1,929 |
| Total domestic deposits to total assets | 85.1700% | 3,243 |
| Equity capital to assets | 12.9079% | 685 |
| Core capital (leverage) ratio | 11.8208% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2257% | 624 |
| Memoranda: | ||
| Average total assets | $61,129,500 | 4,360 |
| Average earning assets | $55,544,750 | 4,356 |
| Average equity | $6,737,250 | 4,287 |
| Average total loans | $37,256,250 | 4,138 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 1,192 |
| Cost of funding earning assets | 0.8066% | 97 |
| Net interest margin | 3.0520% | 2,712 |
| Noninterest income to average assets | 0.9973% | 674 |
| Noninterest expense to average assets | 3.1037% | 728 |
| Loan and lease loss provision to assets | 0.3107% | 212 |
| Net operating income to assets | 0.3573% | 4,193 |
| Return on assets (ROA) | 0.3821% | 4,094 |
| Pretax return on assets | 0.3821% | 4,184 |
| Return on Equity (ROE) | 3.6328% | 4,109 |
| Retained earnings to average equity (ytd only) | -9.4807% | 4,651 |
| Net charge-offs to loans | 1.0696% | 61 |
| Credit loss provision to net charge-offs | 46.7290% | 1,509 |
| Earnings coverage of net charge-offs (x) | 1.0047% | 2,082 |
| Efficiency ratio | 82.2900% | 780 |
| Assets per employee ($millions) | 4.1410% | 4,293 |
| Cash dividends to net income (ytd only)* | 360.9756% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,014 |
| Loan loss allowance to noncurrent loans | 10.5092% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 4.5416% | 22 |
| Noncurrent loans to loans | 8.3384% | 21 |
| Net loans and leases to total assets | 52.9936% | 3,063 |
| Net loans and leases to deposits | 70.0690% | 2,192 |
| Net loans and leases to core deposits | 84.9997% | 1,393 |
| Total domestic deposits to total assets | 75.6307% | 4,477 |
| Equity capital to assets | 10.6190% | 1,384 |
| Core capital (leverage) ratio | 11.7696% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8571% | 876 |
| Memoranda: | ||
| Average total assets | $64,374,333 | 4,362 |
| Average earning assets | $58,518,667 | 4,371 |
| Average equity | $6,771,667 | 4,341 |
| Average total loans | $40,015,667 | 4,137 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 1,668 |
| Cost of funding earning assets | 0.8076% | 84 |
| Net interest margin | 2.7339% | 3,329 |
| Noninterest income to average assets | 1.6549% | 311 |
| Noninterest expense to average assets | 2.8701% | 1,016 |
| Loan and lease loss provision to assets | 0.6106% | 73 |
| Net operating income to assets | 0.6961% | 3,069 |
| Return on assets (ROA) | 0.7572% | 2,817 |
| Pretax return on assets | 0.7572% | 3,236 |
| Return on Equity (ROE) | 7.2308% | 2,967 |
| Retained earnings to average equity (ytd only) | -18.6603% | 4,685 |
| Net charge-offs to loans | 1.8425% | 42 |
| Credit loss provision to net charge-offs | 50.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 1.0700% | 1,751 |
| Efficiency ratio | 68.7135% | 2,415 |
| Assets per employee ($millions) | 4.1754% | 4,314 |
| Cash dividends to net income (ytd only)* | 358.0645% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,273 |
| Loan loss allowance to noncurrent loans | 9.3817% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 5.2737% | 16 |
| Noncurrent loans to loans | 8.3297% | 24 |
| Net loans and leases to total assets | 61.8288% | 1,883 |
| Net loans and leases to deposits | 83.3724% | 928 |
| Net loans and leases to core deposits | 97.9487% | 577 |
| Total domestic deposits to total assets | 74.1598% | 4,567 |
| Equity capital to assets | 10.6880% | 1,497 |
| Core capital (leverage) ratio | 12.0667% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0788% | 1,240 |
| Memoranda: | ||
| Average total assets | $65,504,000 | 4,370 |
| Average earning assets | $60,426,500 | 4,370 |
| Average equity | $6,859,500 | 4,373 |
| Average total loans | $43,419,500 | 4,094 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 2,714 |
| Cost of funding earning assets | 0.7306% | 278 |
| Net interest margin | 2.7506% | 3,781 |
| Noninterest income to average assets | 3.1402% | 171 |
| Noninterest expense to average assets | 3.0855% | 859 |
| Loan and lease loss provision to assets | 0.2784% | 309 |
| Net operating income to assets | 2.3213% | 202 |
| Return on assets (ROA) | 2.3350% | 205 |
| Pretax return on assets | 2.3350% | 329 |
| Return on Equity (ROE) | 25.4690% | 114 |
| Retained earnings to average equity (ytd only) | -1.0166% | 4,580 |
| Net charge-offs to loans | 0.3399% | 248 |
| Credit loss provision to net charge-offs | 105.6604% | 1,745 |
| Earnings coverage of net charge-offs (x) | 9.8679% | 2,243 |
| Efficiency ratio | 54.2732% | 3,906 |
| Assets per employee ($millions) | 4.5585% | 4,069 |
| Cash dividends to net income (ytd only)* | 103.9915% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,183 |
| Loan loss allowance to noncurrent loans | 11.3668% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 5.3805% | 21 |
| Noncurrent loans to loans | 7.4524% | 29 |
| Net loans and leases to total assets | 69.3289% | 1,118 |
| Net loans and leases to deposits | 102.2320% | 161 |
| Net loans and leases to core deposits | 122.4239% | 145 |
| Total domestic deposits to total assets | 67.8152% | 4,711 |
| Equity capital to assets | 10.2739% | 2,399 |
| Core capital (leverage) ratio | 12.0590% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1040% | 1,023 |
| Memoranda: | ||
| Average total assets | $80,472,600 | 4,215 |
| Average earning assets | $74,456,800 | 4,202 |
| Average equity | $7,377,600 | 4,390 |
| Average total loans | $62,374,600 | 3,780 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 2,341 |
| Cost of funding earning assets | 0.7330% | 332 |
| Net interest margin | 2.9422% | 3,455 |
| Noninterest income to average assets | 4.0065% | 138 |
| Noninterest expense to average assets | 3.0819% | 846 |
| Loan and lease loss provision to assets | 0.0383% | 2,223 |
| Net operating income to assets | 3.6041% | 83 |
| Return on assets (ROA) | 3.6184% | 85 |
| Pretax return on assets | 3.6184% | 113 |
| Return on Equity (ROE) | 40.4682% | 33 |
| Retained earnings to average equity (ytd only) | 5.5720% | 3,011 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8323% | 4,513 |
| Assets per employee ($millions) | 5.4619% | 3,233 |
| Cash dividends to net income (ytd only)* | 86.2312% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 4,444 |
| Loan loss allowance to noncurrent loans | 12.5000% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 4.3653% | 38 |
| Noncurrent loans to loans | 5.8625% | 58 |
| Net loans and leases to total assets | 73.8711% | 704 |
| Net loans and leases to deposits | 120.0599% | 40 |
| Net loans and leases to core deposits | 140.6269% | 80 |
| Total domestic deposits to total assets | 61.5285% | 4,830 |
| Equity capital to assets | 9.6944% | 3,189 |
| Core capital (leverage) ratio | 15.0377% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6642% | 1,015 |
| Memoranda: | ||
| Average total assets | $83,496,500 | 4,220 |
| Average earning assets | $77,127,500 | 4,218 |
| Average equity | $7,465,750 | 4,443 |
| Average total loans | $66,015,750 | 3,777 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 2,363 |
| Cost of funding earning assets | 0.7866% | 304 |
| Net interest margin | 2.9036% | 3,566 |
| Noninterest income to average assets | 5.2680% | 110 |
| Noninterest expense to average assets | 2.8821% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 5.0606% | 51 |
| Return on assets (ROA) | 5.0792% | 49 |
| Pretax return on assets | 5.0792% | 63 |
| Return on Equity (ROE) | 58.2628% | 11 |
| Retained earnings to average equity (ytd only) | 17.9065% | 228 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2863% | 4,835 |
| Assets per employee ($millions) | 5.6933% | 2,904 |
| Cash dividends to net income (ytd only)* | 69.2661% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6161% | 4,639 |
| Loan loss allowance to noncurrent loans | 37.2049% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 475 |
| Noncurrent loans to loans | 1.6559% | 647 |
| Net loans and leases to total assets | 79.7431% | 331 |
| Net loans and leases to deposits | 137.8622% | 25 |
| Net loans and leases to core deposits | 160.8096% | 53 |
| Total domestic deposits to total assets | 57.8426% | 4,880 |
| Equity capital to assets | 9.7496% | 3,095 |
| Core capital (leverage) ratio | 13.5721% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5954% | 875 |
| Memoranda: | ||
| Average total assets | $85,839,667 | 4,219 |
| Average earning assets | $79,075,333 | 4,219 |
| Average equity | $7,483,333 | 4,470 |
| Average total loans | $69,053,000 | 3,743 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6416% | 2,518 |
| Cost of funding earning assets | 0.6889% | 573 |
| Net interest margin | 2.9526% | 3,378 |
| Noninterest income to average assets | 5.9973% | 106 |
| Noninterest expense to average assets | 2.4790% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 6.2178% | 44 |
| Return on assets (ROA) | 6.2493% | 47 |
| Pretax return on assets | 6.2493% | 58 |
| Return on Equity (ROE) | 75.7000% | 7 |
| Retained earnings to average equity (ytd only) | 25.6693% | 123 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5049% | 4,921 |
| Assets per employee ($millions) | 6.9841% | 1,817 |
| Cash dividends to net income (ytd only)* | 66.0907% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4902% | 4,781 |
| Loan loss allowance to noncurrent loans | 27.9037% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 460 |
| Noncurrent loans to loans | 1.7567% | 673 |
| Net loans and leases to total assets | 81.8016% | 235 |
| Net loans and leases to deposits | 162.0257% | 14 |
| Net loans and leases to core deposits | 190.6424% | 41 |
| Total domestic deposits to total assets | 50.4868% | 4,924 |
| Equity capital to assets | 7.7441% | 4,615 |
| Core capital (leverage) ratio | 13.0933% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5395% | 1,160 |
| Memoranda: | ||
| Average total assets | $88,906,500 | 4,204 |
| Average earning assets | $81,284,000 | 4,201 |
| Average equity | $7,339,500 | 4,498 |
| Average total loans | $71,602,500 | 3,708 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 2,189 |
| Cost of funding earning assets | 1.0508% | 493 |
| Net interest margin | 3.1321% | 3,542 |
| Noninterest income to average assets | 3.4763% | 158 |
| Noninterest expense to average assets | 3.5009% | 688 |
| Loan and lease loss provision to assets | 0.1523% | 2,471 |
| Net operating income to assets | 2.7378% | 111 |
| Return on assets (ROA) | 2.7450% | 114 |
| Pretax return on assets | 2.7450% | 142 |
| Return on Equity (ROE) | 28.9447% | 72 |
| Retained earnings to average equity (ytd only) | 13.3250% | 222 |
| Net charge-offs to loans | 0.1841% | 919 |
| Credit loss provision to net charge-offs | 108.2474% | 2,740 |
| Earnings coverage of net charge-offs (x) | 20.5361% | 1,939 |
| Efficiency ratio | 54.7787% | 4,115 |
| Assets per employee ($millions) | 5.7168% | 2,606 |
| Cash dividends to net income (ytd only)* | 53.9641% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,694 |
| Loan loss allowance to noncurrent loans | 41.3684% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.3207% | 606 |
| Noncurrent loans to loans | 1.5121% | 877 |
| Net loans and leases to total assets | 78.0084% | 603 |
| Net loans and leases to deposits | 137.7930% | 30 |
| Net loans and leases to core deposits | 166.8823% | 64 |
| Total domestic deposits to total assets | 56.6127% | 4,927 |
| Equity capital to assets | 8.8799% | 4,165 |
| Core capital (leverage) ratio | 13.4406% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4316% | 978 |
| Memoranda: | ||
| Average total assets | $68,924,200 | 4,402 |
| Average earning assets | $64,143,000 | 4,385 |
| Average equity | $6,536,600 | 4,581 |
| Average total loans | $52,683,800 | 4,051 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,055 |
| Cost of funding earning assets | 1.1495% | 441 |
| Net interest margin | 3.1638% | 3,579 |
| Noninterest income to average assets | 3.7250% | 145 |
| Noninterest expense to average assets | 3.7270% | 505 |
| Loan and lease loss provision to assets | 0.2117% | 1,904 |
| Net operating income to assets | 2.7212% | 114 |
| Return on assets (ROA) | 2.7312% | 118 |
| Pretax return on assets | 2.7312% | 150 |
| Return on Equity (ROE) | 28.2549% | 76 |
| Retained earnings to average equity (ytd only) | 11.2811% | 524 |
| Net charge-offs to loans | 0.2579% | 597 |
| Credit loss provision to net charge-offs | 108.2474% | 2,564 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,122 |
| Efficiency ratio | 55.9625% | 3,925 |
| Assets per employee ($millions) | 5.8844% | 2,365 |
| Cash dividends to net income (ytd only)* | 60.0738% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 4,748 |
| Loan loss allowance to noncurrent loans | 38.9713% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 673 |
| Noncurrent loans to loans | 1.4938% | 959 |
| Net loans and leases to total assets | 81.6754% | 459 |
| Net loans and leases to deposits | 155.6947% | 24 |
| Net loans and leases to core deposits | 188.0783% | 46 |
| Total domestic deposits to total assets | 52.4587% | 4,967 |
| Equity capital to assets | 8.2276% | 4,620 |
| Core capital (leverage) ratio | 12.3809% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,146,500 | 4,451 |
| Average earning assets | $61,359,500 | 4,440 |
| Average equity | $6,394,000 | 4,618 |
| Average total loans | $50,148,000 | 4,130 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,696 |
| Cost of funding earning assets | 1.3087% | 350 |
| Net interest margin | 3.2718% | 3,457 |
| Noninterest income to average assets | 4.6892% | 112 |
| Noninterest expense to average assets | 4.4422% | 269 |
| Loan and lease loss provision to assets | 0.2964% | 1,452 |
| Net operating income to assets | 2.9637% | 88 |
| Return on assets (ROA) | 2.9802% | 93 |
| Pretax return on assets | 2.9802% | 119 |
| Return on Equity (ROE) | 28.8861% | 70 |
| Retained earnings to average equity (ytd only) | 12.3524% | 418 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6742% | 3,735 |
| Assets per employee ($millions) | 6.0307% | 2,157 |
| Cash dividends to net income (ytd only)* | 57.2376% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6996% | 4,565 |
| Loan loss allowance to noncurrent loans | 54.0204% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1726% | 940 |
| Noncurrent loans to loans | 1.2950% | 1,202 |
| Net loans and leases to total assets | 80.1931% | 574 |
| Net loans and leases to deposits | 148.9179% | 23 |
| Net loans and leases to core deposits | 176.9840% | 56 |
| Total domestic deposits to total assets | 53.8505% | 4,994 |
| Equity capital to assets | 7.8491% | 4,788 |
| Core capital (leverage) ratio | 9.0275% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2906% | 1,700 |
| Memoranda: | ||
| Average total assets | $60,735,000 | 4,530 |
| Average earning assets | $55,933,000 | 4,533 |
| Average equity | $6,266,000 | 4,656 |
| Average total loans | $44,304,333 | 4,251 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9587% | 170 |
| Cost of funding earning assets | 1.7103% | 122 |
| Net interest margin | 4.2484% | 833 |
| Noninterest income to average assets | 1.8901% | 289 |
| Noninterest expense to average assets | 4.0665% | 475 |
| Loan and lease loss provision to assets | 0.7364% | 349 |
| Net operating income to assets | 0.9082% | 2,496 |
| Return on assets (ROA) | 0.9082% | 2,602 |
| Pretax return on assets | 0.9082% | 3,114 |
| Return on Equity (ROE) | 7.2960% | 2,833 |
| Retained earnings to average equity (ytd only) | -20.9021% | 4,977 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2034% | 2,191 |
| Assets per employee ($millions) | 3.5351% | 4,451 |
| Cash dividends to net income (ytd only)* | 386.4865% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,742 |
| Loan loss allowance to noncurrent loans | 52.6490% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 404 |
| Noncurrent loans to loans | 2.6361% | 439 |
| Net loans and leases to total assets | 68.4798% | 2,475 |
| Net loans and leases to deposits | 79.6634% | 2,716 |
| Net loans and leases to core deposits | 96.6135% | 1,738 |
| Total domestic deposits to total assets | 85.9614% | 2,013 |
| Equity capital to assets | 11.9777% | 2,087 |
| Core capital (leverage) ratio | 12.0149% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5957% | 1,441 |
| Memoranda: | ||
| Average total assets | $48,887,500 | 4,728 |
| Average earning assets | $43,969,500 | 4,740 |
| Average equity | $6,085,500 | 4,714 |
| Average total loans | $32,364,500 | 4,551 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3614% | 131 |
| Cost of funding earning assets | 1.6436% | 251 |
| Net interest margin | 4.7179% | 449 |
| Noninterest income to average assets | 2.6702% | 182 |
| Noninterest expense to average assets | 5.2927% | 179 |
| Loan and lease loss provision to assets | 0.5772% | 211 |
| Net operating income to assets | 0.9817% | 2,908 |
| Return on assets (ROA) | 0.9817% | 2,988 |
| Pretax return on assets | 0.9817% | 3,507 |
| Return on Equity (ROE) | 7.4865% | 3,375 |
| Retained earnings to average equity (ytd only) | 1.5943% | 4,166 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2471% | 1,236 |
| Assets per employee ($millions) | 3.4504% | 4,520 |
| Cash dividends to net income (ytd only)* | 78.7037% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 873 |
| Loan loss allowance to noncurrent loans | 36.3833% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.0949% | 169 |
| Noncurrent loans to loans | 4.5531% | 123 |
| Net loans and leases to total assets | 62.0627% | 3,394 |
| Net loans and leases to deposits | 74.6161% | 3,295 |
| Net loans and leases to core deposits | 89.5701% | 2,462 |
| Total domestic deposits to total assets | 83.1760% | 3,148 |
| Equity capital to assets | 12.9632% | 1,550 |
| Core capital (leverage) ratio | 12.9668% | 1,250 |
| Tier 1 risk-based capital ratio | 16.1928% | 2,334 |
| Total risk-based capital ratio | 17.4487% | 2,279 |
| Memoranda: | ||
| Average total assets | $44,003,600 | 4,845 |
| Average earning assets | $39,000,800 | 4,856 |
| Average equity | $5,770,400 | 4,788 |
| Average total loans | $27,715,000 | 4,693 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3979% | 127 |
| Cost of funding earning assets | 1.5863% | 320 |
| Net interest margin | 4.8116% | 410 |
| Noninterest income to average assets | 2.1865% | 231 |
| Noninterest expense to average assets | 5.3981% | 168 |
| Loan and lease loss provision to assets | 0.7889% | 133 |
| Net operating income to assets | 0.2485% | 4,908 |
| Return on assets (ROA) | 0.2485% | 4,922 |
| Pretax return on assets | 0.2485% | 4,954 |
| Return on Equity (ROE) | 1.8886% | 4,908 |
| Retained earnings to average equity (ytd only) | -6.1383% | 5,088 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8803% | 620 |
| Assets per employee ($millions) | 3.3412% | 4,635 |
| Cash dividends to net income (ytd only)* | 425.0141% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 715 |
| Loan loss allowance to noncurrent loans | 48.2330% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 2.4670% | 282 |
| Noncurrent loans to loans | 3.6842% | 204 |
| Net loans and leases to total assets | 59.6746% | 3,705 |
| Net loans and leases to deposits | 70.5095% | 3,735 |
| Net loans and leases to core deposits | 86.8513% | 2,834 |
| Total domestic deposits to total assets | 84.6335% | 2,564 |
| Equity capital to assets | 12.6344% | 1,822 |
| Core capital (leverage) ratio | 12.9326% | 1,370 |
| Tier 1 risk-based capital ratio | 16.6648% | 2,201 |
| Total risk-based capital ratio | 17.9243% | 2,133 |
| Memoranda: | ||
| Average total assets | $42,928,000 | 4,924 |
| Average earning assets | $37,907,000 | 4,934 |
| Average equity | $5,647,500 | 4,871 |
| Average total loans | $27,022,500 | 4,773 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 182 |
| Cost of funding earning assets | 1.4850% | 398 |
| Net interest margin | 4.6835% | 507 |
| Noninterest income to average assets | 0.2065% | 4,509 |
| Noninterest expense to average assets | 5.9359% | 144 |
| Loan and lease loss provision to assets | 1.2198% | 73 |
| Net operating income to assets | -2.8143% | 5,273 |
| Return on assets (ROA) | -2.8143% | 5,273 |
| Pretax return on assets | -2.8143% | 5,270 |
| Return on Equity (ROE) | -21.0791% | 5,281 |
| Retained earnings to average equity (ytd only) | -33.3094% | 5,277 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.7257% | 50 |
| Assets per employee ($millions) | 3.1314% | 4,820 |
| Cash dividends to net income (ytd only)* | -58.0205% | 5,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 987 |
| Loan loss allowance to noncurrent loans | 48.3254% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.6277% | 269 |
| Noncurrent loans to loans | 3.3527% | 266 |
| Net loans and leases to total assets | 69.9453% | 2,537 |
| Net loans and leases to deposits | 82.1805% | 2,711 |
| Net loans and leases to core deposits | 101.8162% | 1,572 |
| Total domestic deposits to total assets | 85.1118% | 2,429 |
| Equity capital to assets | 11.9594% | 2,214 |
| Core capital (leverage) ratio | 12.3211% | 1,625 |
| Tier 1 risk-based capital ratio | 15.7174% | 2,541 |
| Total risk-based capital ratio | 16.9754% | 2,471 |
| Memoranda: | ||
| Average total assets | $41,645,000 | 4,982 |
| Average earning assets | $36,767,330 | 4,995 |
| Average equity | $5,560,000 | 4,912 |
| Average total loans | $26,557,000 | 4,819 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 224 |
| Cost of funding earning assets | 1.3171% | 629 |
| Net interest margin | 4.6770% | 520 |
| Noninterest income to average assets | 0.2657% | 4,102 |
| Noninterest expense to average assets | 7.2426% | 102 |
| Loan and lease loss provision to assets | 2.4995% | 31 |
| Net operating income to assets | -5.3532% | 5,351 |
| Return on assets (ROA) | -5.3532% | 5,350 |
| Pretax return on assets | -5.3532% | 5,348 |
| Return on Equity (ROE) | -37.3915% | 5,348 |
| Retained earnings to average equity (ytd only) | -60.7612% | 5,339 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.0224% | 31 |
| Assets per employee ($millions) | 2.9513% | 4,997 |
| Cash dividends to net income (ytd only)* | -62.5000% | 5,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 505 |
| Loan loss allowance to noncurrent loans | 192.3664% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 1,466 |
| Noncurrent loans to loans | 1.0381% | 1,608 |
| Net loans and leases to total assets | 59.8625% | 3,723 |
| Net loans and leases to deposits | 72.3407% | 3,579 |
| Net loans and leases to core deposits | 86.6097% | 2,814 |
| Total domestic deposits to total assets | 82.7509% | 3,485 |
| Equity capital to assets | 13.0210% | 1,440 |
| Core capital (leverage) ratio | 13.2602% | 1,162 |
| Tier 1 risk-based capital ratio | 16.5839% | 2,237 |
| Total risk-based capital ratio | 17.8449% | 2,187 |
| Memoranda: | ||
| Average total assets | $40,648,500 | 5,052 |
| Average earning assets | $35,835,000 | 5,066 |
| Average equity | $5,819,500 | 4,916 |
| Average total loans | $24,251,000 | 4,931 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 521 |
| Cost of funding earning assets | 0.8927% | 1,120 |
| Net interest margin | 4.4687% | 809 |
| Noninterest income to average assets | 45.4205% | 23 |
| Noninterest expense to average assets | 47.0216% | 16 |
| Loan and lease loss provision to assets | -0.8337% | 5,397 |
| Net operating income to assets | 3.2570% | 68 |
| Return on assets (ROA) | 3.2570% | 67 |
| Pretax return on assets | 3.2570% | 77 |
| Return on Equity (ROE) | 22.6515% | 140 |
| Retained earnings to average equity (ytd only) | -0.3812% | 5,028 |
| Net charge-offs to loans | -1.4057% | 5,365 |
| Credit loss provision to net charge-offs | 116.2420% | 2,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0989% | 225 |
| Assets per employee ($millions) | 2.3566% | 5,251 |
| Cash dividends to net income (ytd only)* | 101.6830% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 4,775 |
| Loan loss allowance to noncurrent loans | 36.7257% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,058 |
| Noncurrent loans to loans | 1.9429% | 702 |
| Net loans and leases to total assets | 57.6542% | 3,999 |
| Net loans and leases to deposits | 73.0372% | 3,582 |
| Net loans and leases to core deposits | 83.2781% | 3,153 |
| Total domestic deposits to total assets | 78.9382% | 4,322 |
| Equity capital to assets | 15.8351% | 561 |
| Core capital (leverage) ratio | 15.6663% | 574 |
| Tier 1 risk-based capital ratio | 19.1343% | 1,492 |
| Total risk-based capital ratio | 19.6407% | 1,599 |
| Memoranda: | ||
| Average total assets | $43,782,000 | 5,053 |
| Average earning assets | $39,430,200 | 5,052 |
| Average equity | $6,295,400 | 4,850 |
| Average total loans | $22,338,400 | 5,020 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 846 |
| Cost of funding earning assets | 0.8619% | 1,066 |
| Net interest margin | 4.1842% | 1,401 |
| Noninterest income to average assets | 55.2623% | 18 |
| Noninterest expense to average assets | 56.6041% | 12 |
| Loan and lease loss provision to assets | 0.1044% | 1,925 |
| Net operating income to assets | 2.3319% | 211 |
| Return on assets (ROA) | 2.3319% | 210 |
| Pretax return on assets | 2.3319% | 321 |
| Return on Equity (ROE) | 16.5940% | 601 |
| Retained earnings to average equity (ytd only) | -1.6127% | 5,171 |
| Net charge-offs to loans | 0.0181% | 2,789 |
| Credit loss provision to net charge-offs | 1,166.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 272.3275% | 342 |
| Efficiency ratio | 95.8735% | 202 |
| Assets per employee ($millions) | 0.6264% | 5,444 |
| Cash dividends to net income (ytd only)* | 109.7186% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,114 |
| Loan loss allowance to noncurrent loans | 35.2273% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 621 |
| Noncurrent loans to loans | 2.6543% | 466 |
| Net loans and leases to total assets | 62.6027% | 3,587 |
| Net loans and leases to deposits | 85.4611% | 2,426 |
| Net loans and leases to core deposits | 95.6254% | 2,151 |
| Total domestic deposits to total assets | 73.2530% | 5,041 |
| Equity capital to assets | 14.9818% | 725 |
| Core capital (leverage) ratio | 14.3731% | 847 |
| Tier 1 risk-based capital ratio | 21.5577% | 1,107 |
| Total risk-based capital ratio | 22.4170% | 1,144 |
| Memoranda: | ||
| Average total assets | $44,711,750 | 5,095 |
| Average earning assets | $40,373,250 | 5,107 |
| Average equity | $6,283,250 | 4,908 |
| Average total loans | $22,107,000 | 5,087 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,550 |
| Cost of funding earning assets | 0.8461% | 936 |
| Net interest margin | 3.8341% | 2,433 |
| Noninterest income to average assets | 68.4401% | 16 |
| Noninterest expense to average assets | 68.2296% | 11 |
| Loan and lease loss provision to assets | 0.1534% | 1,230 |
| Net operating income to assets | 3.5331% | 59 |
| Return on assets (ROA) | 3.5331% | 58 |
| Pretax return on assets | 3.5331% | 73 |
| Return on Equity (ROE) | 25.6620% | 73 |
| Retained earnings to average equity (ytd only) | -1.6556% | 5,122 |
| Net charge-offs to loans | 0.0291% | 2,277 |
| Credit loss provision to net charge-offs | 1,166.6667% | 360 |
| Earnings coverage of net charge-offs (x) | 280.3333% | 318 |
| Efficiency ratio | 94.8738% | 238 |
| Assets per employee ($millions) | 0.4017% | 5,517 |
| Cash dividends to net income (ytd only)* | 106.4516% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,884 |
| Loan loss allowance to noncurrent loans | 40.8567% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 903 |
| Noncurrent loans to loans | 2.8617% | 409 |
| Net loans and leases to total assets | 46.1811% | 4,819 |
| Net loans and leases to deposits | 62.8312% | 4,369 |
| Net loans and leases to core deposits | 71.3610% | 4,058 |
| Total domestic deposits to total assets | 73.5003% | 5,083 |
| Equity capital to assets | 13.9339% | 950 |
| Core capital (leverage) ratio | 13.4042% | 1,097 |
| Tier 1 risk-based capital ratio | 22.6841% | 964 |
| Total risk-based capital ratio | 23.5800% | 982 |
| Memoranda: | ||
| Average total assets | $45,625,330 | 5,136 |
| Average earning assets | $41,365,330 | 5,145 |
| Average equity | $6,281,670 | 4,960 |
| Average total loans | $20,635,000 | 5,181 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,741 |
| Cost of funding earning assets | 0.8213% | 866 |
| Net interest margin | 3.7202% | 2,727 |
| Noninterest income to average assets | 81.9300% | 14 |
| Noninterest expense to average assets | 80.4259% | 11 |
| Loan and lease loss provision to assets | 0.1749% | 998 |
| Net operating income to assets | 4.6960% | 42 |
| Return on assets (ROA) | 4.6960% | 42 |
| Pretax return on assets | 4.6960% | 51 |
| Return on Equity (ROE) | 34.3131% | 26 |
| Retained earnings to average equity (ytd only) | -20.5112% | 5,509 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2895% | 292 |
| Assets per employee ($millions) | 0.2584% | 5,588 |
| Cash dividends to net income (ytd only)* | 159.7765% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,214 |
| Loan loss allowance to noncurrent loans | 40.2730% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4046% | 1,030 |
| Noncurrent loans to loans | 2.8032% | 448 |
| Net loans and leases to total assets | 42.3190% | 4,966 |
| Net loans and leases to deposits | 56.8376% | 4,657 |
| Net loans and leases to core deposits | 63.0980% | 4,482 |
| Total domestic deposits to total assets | 74.4559% | 5,108 |
| Equity capital to assets | 12.4404% | 1,514 |
| Core capital (leverage) ratio | 12.6224% | 1,336 |
| Tier 1 risk-based capital ratio | 21.4437% | 1,127 |
| Total risk-based capital ratio | 22.2882% | 1,175 |
| Memoranda: | ||
| Average total assets | $45,741,500 | 5,195 |
| Average earning assets | $41,395,500 | 5,203 |
| Average equity | $6,260,000 | 5,015 |
| Average total loans | $20,347,000 | 5,244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 338 |
| Cost of funding earning assets | 0.5923% | 1,655 |
| Net interest margin | 4.7551% | 383 |
| Noninterest income to average assets | 109.8936% | 10 |
| Noninterest expense to average assets | 106.0619% | 9 |
| Loan and lease loss provision to assets | 1.6681% | 45 |
| Net operating income to assets | 6.3852% | 25 |
| Return on assets (ROA) | 6.3852% | 25 |
| Pretax return on assets | 6.3852% | 32 |
| Return on Equity (ROE) | 36.5444% | 19 |
| Retained earnings to average equity (ytd only) | 21.8437% | 32 |
| Net charge-offs to loans | 3.9519% | 25 |
| Credit loss provision to net charge-offs | 67.3993% | 3,124 |
| Earnings coverage of net charge-offs (x) | 3.2540% | 3,636 |
| Efficiency ratio | 92.9428% | 324 |
| Assets per employee ($millions) | 0.1956% | 5,656 |
| Cash dividends to net income (ytd only)* | 40.2272% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,399 |
| Loan loss allowance to noncurrent loans | 19.6185% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 2.8190% | 304 |
| Noncurrent loans to loans | 5.5637% | 106 |
| Net loans and leases to total assets | 45.9040% | 4,894 |
| Net loans and leases to deposits | 64.9015% | 4,267 |
| Net loans and leases to core deposits | 71.3770% | 4,093 |
| Total domestic deposits to total assets | 70.7287% | 5,380 |
| Equity capital to assets | 15.1059% | 657 |
| Core capital (leverage) ratio | 16.1234% | 460 |
| Tier 1 risk-based capital ratio | 22.8435% | 927 |
| Total risk-based capital ratio | 23.6102% | 952 |
| Memoranda: | ||
| Average total assets | $33,092,000 | 5,450 |
| Average earning assets | $29,379,200 | 5,448 |
| Average equity | $5,782,000 | 5,136 |
| Average total loans | $20,724,200 | 5,292 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 115 |
| Cost of funding earning assets | 0.6133% | 1,441 |
| Net interest margin | 5.4951% | 104 |
| Noninterest income to average assets | 103.7234% | 13 |
| Noninterest expense to average assets | 98.5344% | 9 |
| Loan and lease loss provision to assets | 1.3027% | 73 |
| Net operating income to assets | 8.7496% | 22 |
| Return on assets (ROA) | 8.7496% | 22 |
| Pretax return on assets | 8.7496% | 29 |
| Return on Equity (ROE) | 47.8277% | 12 |
| Retained earnings to average equity (ytd only) | 27.8658% | 18 |
| Net charge-offs to loans | -0.0127% | 4,714 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7426% | 382 |
| Assets per employee ($millions) | 0.1576% | 5,724 |
| Cash dividends to net income (ytd only)* | 41.7371% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7983% | 79 |
| Loan loss allowance to noncurrent loans | 65.7718% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 3.8589% | 177 |
| Noncurrent loans to loans | 5.7749% | 112 |
| Net loans and leases to total assets | 59.1704% | 3,950 |
| Net loans and leases to deposits | 83.5275% | 2,612 |
| Net loans and leases to core deposits | 89.5306% | 2,652 |
| Total domestic deposits to total assets | 70.8394% | 5,448 |
| Equity capital to assets | 18.9279% | 275 |
| Core capital (leverage) ratio | 18.8309% | 260 |
| Tier 1 risk-based capital ratio | 26.4516% | 651 |
| Total risk-based capital ratio | 27.7229% | 635 |
| Memoranda: | ||
| Average total assets | $30,705,250 | 5,537 |
| Average earning assets | $27,175,250 | 5,539 |
| Average equity | $5,617,250 | 5,216 |
| Average total loans | $20,958,000 | 5,342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 89 |
| Cost of funding earning assets | 0.6458% | 1,166 |
| Net interest margin | 5.6679% | 91 |
| Noninterest income to average assets | 95.5031% | 13 |
| Noninterest expense to average assets | 92.2296% | 10 |
| Loan and lease loss provision to assets | 1.3444% | 74 |
| Net operating income to assets | 6.9436% | 26 |
| Return on assets (ROA) | 6.9436% | 26 |
| Pretax return on assets | 6.9436% | 34 |
| Return on Equity (ROE) | 38.4563% | 20 |
| Retained earnings to average equity (ytd only) | 15.5240% | 119 |
| Net charge-offs to loans | -0.0190% | 4,764 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7547% | 370 |
| Assets per employee ($millions) | 0.1412% | 5,775 |
| Cash dividends to net income (ytd only)* | 59.6321% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4171% | 106 |
| Loan loss allowance to noncurrent loans | 58.0645% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 4.4250% | 142 |
| Noncurrent loans to loans | 5.8850% | 107 |
| Net loans and leases to total assets | 66.7830% | 2,992 |
| Net loans and leases to deposits | 93.2115% | 1,343 |
| Net loans and leases to core deposits | 103.6622% | 1,381 |
| Total domestic deposits to total assets | 71.6467% | 5,475 |
| Equity capital to assets | 19.2407% | 254 |
| Core capital (leverage) ratio | 18.3985% | 281 |
| Tier 1 risk-based capital ratio | 23.1201% | 934 |
| Total risk-based capital ratio | 24.3872% | 924 |
| Memoranda: | ||
| Average total assets | $29,754,000 | 5,600 |
| Average earning assets | $26,323,670 | 5,602 |
| Average equity | $5,372,330 | 5,299 |
| Average total loans | $21,063,670 | 5,376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 191 |
| Cost of funding earning assets | 0.6355% | 1,157 |
| Net interest margin | 5.0251% | 218 |
| Noninterest income to average assets | 99.2821% | 13 |
| Noninterest expense to average assets | 95.6079% | 9 |
| Loan and lease loss provision to assets | 2.6528% | 25 |
| Net operating income to assets | 5.5311% | 36 |
| Return on assets (ROA) | 5.5311% | 36 |
| Pretax return on assets | 5.5311% | 48 |
| Return on Equity (ROE) | 31.6298% | 36 |
| Retained earnings to average equity (ytd only) | 16.3838% | 189 |
| Net charge-offs to loans | -0.0371% | 5,035 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1150% | 446 |
| Assets per employee ($millions) | 0.1566% | 5,843 |
| Cash dividends to net income (ytd only)* | 48.2014% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1515% | 151 |
| Loan loss allowance to noncurrent loans | 340.2985% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0216% | 1,782 |
| Noncurrent loans to loans | 0.9261% | 2,189 |
| Net loans and leases to total assets | 70.6412% | 2,274 |
| Net loans and leases to deposits | 95.6890% | 960 |
| Net loans and leases to core deposits | 107.6734% | 991 |
| Total domestic deposits to total assets | 73.8238% | 5,428 |
| Equity capital to assets | 18.0434% | 298 |
| Core capital (leverage) ratio | 17.7575% | 305 |
| Tier 1 risk-based capital ratio | 20.9449% | 1,223 |
| Total risk-based capital ratio | 22.2101% | 1,199 |
| Memoranda: | ||
| Average total assets | $30,156,500 | 5,660 |
| Average earning assets | $27,064,000 | 5,654 |
| Average equity | $5,273,500 | 5,366 |
| Average total loans | $21,587,000 | 5,418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 403 |
| Cost of funding earning assets | 0.6873% | 874 |
| Net interest margin | 4.5306% | 583 |
| Noninterest income to average assets | 117.6798% | 10 |
| Noninterest expense to average assets | 113.9522% | 8 |
| Loan and lease loss provision to assets | 3.9237% | 15 |
| Net operating income to assets | 3.9205% | 50 |
| Return on assets (ROA) | 3.9205% | 51 |
| Pretax return on assets | 3.9205% | 68 |
| Return on Equity (ROE) | 24.0213% | 92 |
| Retained earnings to average equity (ytd only) | 2.3440% | 4,195 |
| Net charge-offs to loans | 6.4871% | 3 |
| Credit loss provision to net charge-offs | 84.5666% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.6906% | 3,955 |
| Efficiency ratio | 93.5596% | 399 |
| Assets per employee ($millions) | 0.1119% | 5,901 |
| Cash dividends to net income (ytd only)* | 90.2419% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2450% | 440 |
| Loan loss allowance to noncurrent loans | 244.6701% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1159% | 1,667 |
| Noncurrent loans to loans | 0.9176% | 2,260 |
| Net loans and leases to total assets | 68.6848% | 2,669 |
| Net loans and leases to deposits | 98.2768% | 801 |
| Net loans and leases to core deposits | 103.6957% | 1,304 |
| Total domestic deposits to total assets | 69.8891% | 5,669 |
| Equity capital to assets | 16.9454% | 391 |
| Core capital (leverage) ratio | 16.9929% | 360 |
| Tier 1 risk-based capital ratio | 22.1139% | 1,062 |
| Total risk-based capital ratio | 23.3705% | 1,036 |
| Memoranda: | ||
| Average total assets | $30,583,000 | 5,702 |
| Average earning assets | $27,789,000 | 5,691 |
| Average equity | $4,991,400 | 5,471 |
| Average total loans | $21,874,200 | 5,451 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 475 |
| Cost of funding earning assets | 0.7136% | 762 |
| Net interest margin | 4.4107% | 759 |
| Noninterest income to average assets | 99.0555% | 13 |
| Noninterest expense to average assets | 95.3724% | 8 |
| Loan and lease loss provision to assets | 4.3369% | 8 |
| Net operating income to assets | 3.3605% | 69 |
| Return on assets (ROA) | 3.3605% | 71 |
| Pretax return on assets | 3.3605% | 97 |
| Return on Equity (ROE) | 20.7891% | 201 |
| Retained earnings to average equity (ytd only) | -8.3859% | 5,823 |
| Net charge-offs to loans | 5.6790% | 4 |
| Credit loss provision to net charge-offs | 106.3034% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.8868% | 3,646 |
| Efficiency ratio | 92.5318% | 444 |
| Assets per employee ($millions) | 0.1279% | 5,968 |
| Cash dividends to net income (ytd only)* | 140.3378% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2212% | 144 |
| Loan loss allowance to noncurrent loans | 94.5342% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 464 |
| Noncurrent loans to loans | 3.4074% | 387 |
| Net loans and leases to total assets | 74.1615% | 1,849 |
| Net loans and leases to deposits | 98.5093% | 810 |
| Net loans and leases to core deposits | 102.7642% | 1,431 |
| Total domestic deposits to total assets | 75.2838% | 5,312 |
| Equity capital to assets | 15.4071% | 647 |
| Core capital (leverage) ratio | 15.7180% | 526 |
| Tier 1 risk-based capital ratio | 19.9228% | 1,458 |
| Total risk-based capital ratio | 21.1944% | 1,419 |
| Memoranda: | ||
| Average total assets | $30,589,500 | 5,765 |
| Average earning assets | $27,840,750 | 5,753 |
| Average equity | $4,944,750 | 5,534 |
| Average total loans | $21,975,250 | 5,500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 692 |
| Cost of funding earning assets | 0.6185% | 1,205 |
| Net interest margin | 4.3006% | 923 |
| Noninterest income to average assets | 84.0464% | 16 |
| Noninterest expense to average assets | 83.1024% | 10 |
| Loan and lease loss provision to assets | 3.2777% | 16 |
| Net operating income to assets | 1.5864% | 747 |
| Return on assets (ROA) | 1.5864% | 789 |
| Pretax return on assets | 1.5864% | 1,407 |
| Return on Equity (ROE) | 9.6613% | 2,198 |
| Retained earnings to average equity (ytd only) | -21.7180% | 5,978 |
| Net charge-offs to loans | 5.7782% | 11 |
| Credit loss provision to net charge-offs | 80.7754% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.1987% | 3,442 |
| Efficiency ratio | 94.4705% | 396 |
| Assets per employee ($millions) | 0.1567% | 6,045 |
| Cash dividends to net income (ytd only)* | 324.7934% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8930% | 226 |
| Loan loss allowance to noncurrent loans | 45.9417% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 4.5542% | 172 |
| Noncurrent loans to loans | 6.2971% | 111 |
| Net loans and leases to total assets | 65.7229% | 3,115 |
| Net loans and leases to deposits | 85.1826% | 2,335 |
| Net loans and leases to core deposits | 88.8975% | 2,651 |
| Total domestic deposits to total assets | 77.1553% | 5,141 |
| Equity capital to assets | 15.1671% | 702 |
| Core capital (leverage) ratio | 15.1296% | 590 |
| Tier 1 risk-based capital ratio | 19.8960% | 1,482 |
| Total risk-based capital ratio | 21.1612% | 1,438 |
| Memoranda: | ||
| Average total assets | $30,509,330 | 5,841 |
| Average earning assets | $27,810,000 | 5,823 |
| Average equity | $5,009,670 | 5,585 |
| Average total loans | $21,425,330 | 5,576 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 343 |
| Cost of funding earning assets | 0.6908% | 848 |
| Net interest margin | 4.6239% | 477 |
| Noninterest income to average assets | 71.2646% | 17 |
| Noninterest expense to average assets | 64.0876% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 11.4262% | 14 |
| Return on assets (ROA) | 11.4262% | 14 |
| Pretax return on assets | 11.4262% | 21 |
| Return on Equity (ROE) | 67.1169% | 12 |
| Retained earnings to average equity (ytd only) | 29.7536% | 28 |
| Net charge-offs to loans | -0.0181% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8688% | 1,080 |
| Assets per employee ($millions) | 0.1925% | 6,109 |
| Cash dividends to net income (ytd only)* | 55.6689% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1815% | 186 |
| Loan loss allowance to noncurrent loans | 46.1842% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 5.0600% | 160 |
| Noncurrent loans to loans | 6.8887% | 105 |
| Net loans and leases to total assets | 67.2660% | 2,770 |
| Net loans and leases to deposits | 87.3171% | 1,903 |
| Net loans and leases to core deposits | 90.8793% | 2,291 |
| Total domestic deposits to total assets | 77.0364% | 5,282 |
| Equity capital to assets | 17.1668% | 405 |
| Core capital (leverage) ratio | 17.2725% | 350 |
| Tier 1 risk-based capital ratio | 22.2059% | 1,131 |
| Total risk-based capital ratio | 23.4731% | 1,113 |
| Memoranda: | ||
| Average total assets | $30,876,500 | 5,892 |
| Average earning assets | $28,374,500 | 5,874 |
| Average equity | $5,256,500 | 5,568 |
| Average total loans | $22,062,000 | 5,612 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 249 |
| Cost of funding earning assets | 0.8026% | 483 |
| Net interest margin | 4.7439% | 422 |
| Noninterest income to average assets | 75.9159% | 18 |
| Noninterest expense to average assets | 72.7754% | 10 |
| Loan and lease loss provision to assets | 0.3323% | 474 |
| Net operating income to assets | 7.1881% | 26 |
| Return on assets (ROA) | 7.1881% | 27 |
| Pretax return on assets | 7.1881% | 34 |
| Return on Equity (ROE) | 45.2416% | 18 |
| Retained earnings to average equity (ytd only) | 14.7877% | 139 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6341% | 656 |
| Assets per employee ($millions) | 0.1630% | 6,168 |
| Cash dividends to net income (ytd only)* | 67.3139% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1778% | 184 |
| Loan loss allowance to noncurrent loans | 83.2542% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 3.0973% | 415 |
| Noncurrent loans to loans | 3.8170% | 336 |
| Net loans and leases to total assets | 71.2076% | 2,169 |
| Net loans and leases to deposits | 92.9134% | 1,315 |
| Net loans and leases to core deposits | 96.9540% | 1,759 |
| Total domestic deposits to total assets | 76.6387% | 5,374 |
| Equity capital to assets | 16.8734% | 425 |
| Core capital (leverage) ratio | 16.8235% | 385 |
| Tier 1 risk-based capital ratio | 22.1182% | 1,129 |
| Total risk-based capital ratio | 23.3864% | 1,101 |
| Memoranda: | ||
| Average total assets | $30,091,200 | 5,954 |
| Average earning assets | $27,783,200 | 5,937 |
| Average equity | $4,781,000 | 5,705 |
| Average total loans | $23,807,400 | 5,595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 231 |
| Cost of funding earning assets | 0.8255% | 434 |
| Net interest margin | 4.7612% | 408 |
| Noninterest income to average assets | 78.4117% | 17 |
| Noninterest expense to average assets | 75.0558% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 7.7478% | 25 |
| Return on assets (ROA) | 7.7478% | 25 |
| Pretax return on assets | 7.7478% | 32 |
| Return on Equity (ROE) | 49.5283% | 16 |
| Retained earnings to average equity (ytd only) | 14.1792% | 200 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6432% | 658 |
| Assets per employee ($millions) | 0.1877% | 6,256 |
| Cash dividends to net income (ytd only)* | 71.3712% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5321% | 416 |
| Loan loss allowance to noncurrent loans | 68.7643% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.5056% | 370 |
| Noncurrent loans to loans | 3.6823% | 400 |
| Net loans and leases to total assets | 79.5092% | 880 |
| Net loans and leases to deposits | 103.8517% | 453 |
| Net loans and leases to core deposits | 108.5135% | 953 |
| Total domestic deposits to total assets | 76.5604% | 5,410 |
| Equity capital to assets | 16.6827% | 471 |
| Core capital (leverage) ratio | 16.2572% | 455 |
| Tier 1 risk-based capital ratio | 20.4115% | 1,452 |
| Total risk-based capital ratio | 21.6738% | 1,419 |
| Memoranda: | ||
| Average total assets | $30,115,500 | 6,037 |
| Average earning assets | $27,779,250 | 6,019 |
| Average equity | $4,711,000 | 5,796 |
| Average total loans | $24,244,500 | 5,648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6286% | 219 |
| Cost of funding earning assets | 0.8325% | 424 |
| Net interest margin | 4.7960% | 369 |
| Noninterest income to average assets | 83.7095% | 17 |
| Noninterest expense to average assets | 78.9024% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 9.2332% | 25 |
| Return on assets (ROA) | 9.2332% | 25 |
| Pretax return on assets | 9.2332% | 32 |
| Return on Equity (ROE) | 60.3003% | 15 |
| Retained earnings to average equity (ytd only) | 15.6112% | 164 |
| Net charge-offs to loans | -0.0410% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5239% | 791 |
| Assets per employee ($millions) | 0.1754% | 6,334 |
| Cash dividends to net income (ytd only)* | 74.1110% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5221% | 474 |
| Loan loss allowance to noncurrent loans | 76.5448% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 3.1659% | 499 |
| Noncurrent loans to loans | 3.2950% | 556 |
| Net loans and leases to total assets | 77.7723% | 1,099 |
| Net loans and leases to deposits | 100.4238% | 626 |
| Net loans and leases to core deposits | 104.7088% | 1,148 |
| Total domestic deposits to total assets | 77.4441% | 5,382 |
| Equity capital to assets | 15.6406% | 579 |
| Core capital (leverage) ratio | 15.7501% | 505 |
| Tier 1 risk-based capital ratio | 19.9383% | 1,563 |
| Total risk-based capital ratio | 21.2021% | 1,522 |
| Memoranda: | ||
| Average total assets | $30,455,330 | 6,103 |
| Average earning assets | $28,106,670 | 6,083 |
| Average equity | $4,663,330 | 5,863 |
| Average total loans | $24,414,330 | 5,693 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 156 |
| Cost of funding earning assets | 0.8676% | 342 |
| Net interest margin | 4.9922% | 253 |
| Noninterest income to average assets | 81.0444% | 17 |
| Noninterest expense to average assets | 70.0642% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 15.5684% | 13 |
| Return on assets (ROA) | 15.5684% | 13 |
| Pretax return on assets | 15.5684% | 20 |
| Return on Equity (ROE) | 102.7610% | 6 |
| Retained earnings to average equity (ytd only) | 48.5764% | 13 |
| Net charge-offs to loans | -0.0813% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8196% | 1,642 |
| Assets per employee ($millions) | 0.1626% | 6,405 |
| Cash dividends to net income (ytd only)* | 52.7288% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5907% | 468 |
| Loan loss allowance to noncurrent loans | 76.5448% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.4794% | 477 |
| Noncurrent loans to loans | 3.3845% | 587 |
| Net loans and leases to total assets | 77.5501% | 985 |
| Net loans and leases to deposits | 99.4076% | 594 |
| Net loans and leases to core deposits | 103.7268% | 1,083 |
| Total domestic deposits to total assets | 78.0122% | 5,448 |
| Equity capital to assets | 16.7108% | 468 |
| Core capital (leverage) ratio | 16.5986% | 405 |
| Tier 1 risk-based capital ratio | 22.1661% | 1,212 |
| Total risk-based capital ratio | 23.4331% | 1,197 |
| Memoranda: | ||
| Average total assets | $30,600,500 | 6,163 |
| Average earning assets | $28,124,000 | 6,143 |
| Average equity | $4,636,000 | 5,921 |
| Average total loans | $24,588,000 | 5,730 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4969% | 314 |
| Cost of funding earning assets | 0.8875% | 414 |
| Net interest margin | 4.6094% | 608 |
| Noninterest income to average assets | 41.0948% | 25 |
| Noninterest expense to average assets | 39.9277% | 25 |
| Loan and lease loss provision to assets | 1.0625% | 95 |
| Net operating income to assets | 4.3154% | 51 |
| Return on assets (ROA) | 4.3154% | 51 |
| Pretax return on assets | 4.3154% | 67 |
| Return on Equity (ROE) | 34.0311% | 39 |
| Retained earnings to average equity (ytd only) | 26.0132% | 33 |
| Net charge-offs to loans | 0.5767% | 697 |
| Credit loss provision to net charge-offs | 238.9706% | 1,063 |
| Earnings coverage of net charge-offs (x) | 12.0956% | 2,419 |
| Efficiency ratio | 88.1296% | 987 |
| Assets per employee ($millions) | 0.2319% | 6,493 |
| Cash dividends to net income (ytd only)* | 23.5606% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 688 |
| Loan loss allowance to noncurrent loans | 71.9760% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.9659% | 424 |
| Noncurrent loans to loans | 3.2432% | 668 |
| Net loans and leases to total assets | 79.1445% | 865 |
| Net loans and leases to deposits | 99.0585% | 683 |
| Net loans and leases to core deposits | 102.9309% | 1,187 |
| Total domestic deposits to total assets | 79.8968% | 5,051 |
| Equity capital to assets | 13.7043% | 1,073 |
| Core capital (leverage) ratio | 14.5791% | 686 |
| Tier 1 risk-based capital ratio | 15.8036% | 3,059 |
| Total risk-based capital ratio | 16.9475% | 3,059 |
| Memoranda: | ||
| Average total assets | $30,587,800 | 6,241 |
| Average earning assets | $27,943,200 | 6,221 |
| Average equity | $3,878,800 | 6,114 |
| Average total loans | $23,584,000 | 5,836 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 275 |
| Cost of funding earning assets | 0.9265% | 350 |
| Net interest margin | 4.6713% | 533 |
| Noninterest income to average assets | 32.2982% | 29 |
| Noninterest expense to average assets | 30.2779% | 28 |
| Loan and lease loss provision to assets | 1.1004% | 97 |
| Net operating income to assets | 5.1805% | 43 |
| Return on assets (ROA) | 5.1805% | 45 |
| Pretax return on assets | 5.1805% | 58 |
| Return on Equity (ROE) | 41.7364% | 27 |
| Retained earnings to average equity (ytd only) | 33.3324% | 24 |
| Net charge-offs to loans | 0.7869% | 427 |
| Credit loss provision to net charge-offs | 183.8235% | 1,361 |
| Earnings coverage of net charge-offs (x) | 10.4926% | 2,537 |
| Efficiency ratio | 82.8196% | 1,516 |
| Assets per employee ($millions) | 0.2112% | 6,574 |
| Cash dividends to net income (ytd only)* | 20.1359% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 846 |
| Loan loss allowance to noncurrent loans | 56.4378% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.4331% | 417 |
| Noncurrent loans to loans | 4.0376% | 519 |
| Net loans and leases to total assets | 71.6823% | 1,911 |
| Net loans and leases to deposits | 89.3134% | 1,506 |
| Net loans and leases to core deposits | 93.7882% | 1,892 |
| Total domestic deposits to total assets | 80.2593% | 5,028 |
| Equity capital to assets | 13.6170% | 1,137 |
| Core capital (leverage) ratio | 13.1252% | 1,130 |
| Tier 1 risk-based capital ratio | 17.2271% | 2,509 |
| Total risk-based capital ratio | 18.3614% | 2,524 |
| Memoranda: | ||
| Average total assets | $30,292,000 | 6,318 |
| Average earning assets | $27,629,000 | 6,302 |
| Average equity | $3,760,000 | 6,206 |
| Average total loans | $23,043,500 | 5,914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6455% | 245 |
| Cost of funding earning assets | 0.9336% | 346 |
| Net interest margin | 4.7120% | 473 |
| Noninterest income to average assets | 18.1739% | 42 |
| Noninterest expense to average assets | 16.7291% | 43 |
| Loan and lease loss provision to assets | 0.3344% | 555 |
| Net operating income to assets | 5.3980% | 45 |
| Return on assets (ROA) | 5.3980% | 45 |
| Pretax return on assets | 5.3980% | 57 |
| Return on Equity (ROE) | 45.0209% | 24 |
| Retained earnings to average equity (ytd only) | 35.9275% | 23 |
| Net charge-offs to loans | 0.5384% | 754 |
| Credit loss provision to net charge-offs | 80.6452% | 2,320 |
| Earnings coverage of net charge-offs (x) | 13.8226% | 1,950 |
| Efficiency ratio | 74.4789% | 2,896 |
| Assets per employee ($millions) | 1.6185% | 6,561 |
| Cash dividends to net income (ytd only)* | 20.1983% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,324 |
| Loan loss allowance to noncurrent loans | 123.8390% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 2.8844% | 897 |
| Noncurrent loans to loans | 1.3235% | 2,598 |
| Net loans and leases to total assets | 78.0600% | 901 |
| Net loans and leases to deposits | 95.5765% | 831 |
| Net loans and leases to core deposits | 101.4796% | 1,173 |
| Total domestic deposits to total assets | 81.6727% | 4,760 |
| Equity capital to assets | 12.9715% | 1,385 |
| Core capital (leverage) ratio | 13.5543% | 961 |
| Tier 1 risk-based capital ratio | 16.3221% | 2,924 |
| Total risk-based capital ratio | 17.4479% | 2,933 |
| Memoranda: | ||
| Average total assets | $29,900,000 | 6,383 |
| Average earning assets | $27,207,330 | 6,369 |
| Average equity | $3,585,000 | 6,287 |
| Average total loans | $23,030,330 | 5,961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7413% | 205 |
| Cost of funding earning assets | 0.9519% | 336 |
| Net interest margin | 4.7894% | 393 |
| Noninterest income to average assets | 8.6042% | 70 |
| Noninterest expense to average assets | 10.1920% | 72 |
| Loan and lease loss provision to assets | 0.6786% | 181 |
| Net operating income to assets | 2.1035% | 283 |
| Return on assets (ROA) | 2.1035% | 296 |
| Pretax return on assets | 2.1035% | 425 |
| Return on Equity (ROE) | 18.3269% | 414 |
| Retained earnings to average equity (ytd only) | 7.8037% | 1,683 |
| Net charge-offs to loans | 0.2685% | 1,269 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,658 |
| Efficiency ratio | 78.5565% | 2,402 |
| Assets per employee ($millions) | 1.9479% | 6,591 |
| Cash dividends to net income (ytd only)* | 57.4194% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,534 |
| Loan loss allowance to noncurrent loans | 92.1811% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 3.5218% | 736 |
| Noncurrent loans to loans | 2.1588% | 1,692 |
| Net loans and leases to total assets | 75.5185% | 1,057 |
| Net loans and leases to deposits | 91.2493% | 1,013 |
| Net loans and leases to core deposits | 97.1085% | 1,307 |
| Total domestic deposits to total assets | 82.7606% | 4,682 |
| Equity capital to assets | 11.6948% | 2,105 |
| Core capital (leverage) ratio | 11.6752% | 1,845 |
| Tier 1 risk-based capital ratio | 14.3851% | 4,074 |
| Total risk-based capital ratio | 15.5273% | 4,095 |
| Memoranda: | ||
| Average total assets | $29,474,000 | 6,460 |
| Average earning assets | $26,893,000 | 6,443 |
| Average equity | $3,383,000 | 6,369 |
| Average total loans | $22,343,000 | 6,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5292% | 346 |
| Cost of funding earning assets | 0.9922% | 464 |
| Net interest margin | 4.5370% | 684 |
| Noninterest income to average assets | 6.8365% | 95 |
| Noninterest expense to average assets | 8.4644% | 102 |
| Loan and lease loss provision to assets | 1.2561% | 125 |
| Net operating income to assets | 1.3432% | 1,149 |
| Return on assets (ROA) | 1.3432% | 1,188 |
| Pretax return on assets | 1.3432% | 1,997 |
| Return on Equity (ROE) | 11.9701% | 1,427 |
| Retained earnings to average equity (ytd only) | -1.2836% | 6,100 |
| Net charge-offs to loans | 2.6237% | 109 |
| Credit loss provision to net charge-offs | 64.9913% | 3,428 |
| Earnings coverage of net charge-offs (x) | 1.3449% | 4,613 |
| Efficiency ratio | 76.5062% | 2,701 |
| Assets per employee ($millions) | 1.5647% | 6,712 |
| Cash dividends to net income (ytd only)* | 110.7232% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 1,878 |
| Loan loss allowance to noncurrent loans | 136.3036% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 2.9701% | 1,069 |
| Noncurrent loans to loans | 1.3665% | 2,853 |
| Net loans and leases to total assets | 73.1921% | 1,491 |
| Net loans and leases to deposits | 87.9725% | 1,470 |
| Net loans and leases to core deposits | 93.4828% | 1,636 |
| Total domestic deposits to total assets | 83.1988% | 4,472 |
| Equity capital to assets | 11.2647% | 2,372 |
| Core capital (leverage) ratio | 11.3106% | 2,111 |
| Tier 1 risk-based capital ratio | 14.2377% | 4,125 |
| Total risk-based capital ratio | 15.3358% | 4,181 |
| Memoranda: | ||
| Average total assets | $29,854,600 | 6,516 |
| Average earning assets | $27,815,800 | 6,491 |
| Average equity | $3,350,000 | 6,467 |
| Average total loans | $21,992,000 | 6,116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 366 |
| Cost of funding earning assets | 1.0020% | 489 |
| Net interest margin | 4.5139% | 719 |
| Noninterest income to average assets | 6.8080% | 102 |
| Noninterest expense to average assets | 8.0438% | 116 |
| Loan and lease loss provision to assets | 1.3384% | 98 |
| Net operating income to assets | 1.6462% | 689 |
| Return on assets (ROA) | 1.6462% | 725 |
| Pretax return on assets | 1.6462% | 1,227 |
| Return on Equity (ROE) | 14.6852% | 859 |
| Retained earnings to average equity (ytd only) | -0.0397% | 5,946 |
| Net charge-offs to loans | 3.0680% | 73 |
| Credit loss provision to net charge-offs | 59.4059% | 3,316 |
| Earnings coverage of net charge-offs (x) | 1.3247% | 4,396 |
| Efficiency ratio | 72.9369% | 3,230 |
| Assets per employee ($millions) | 1.6631% | 6,770 |
| Cash dividends to net income (ytd only)* | 100.2703% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 1,942 |
| Loan loss allowance to noncurrent loans | 61.2855% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 3.0265% | 1,220 |
| Noncurrent loans to loans | 3.1326% | 1,261 |
| Net loans and leases to total assets | 69.9693% | 1,974 |
| Net loans and leases to deposits | 84.1239% | 1,862 |
| Net loans and leases to core deposits | 89.3601% | 2,035 |
| Total domestic deposits to total assets | 83.1741% | 4,511 |
| Equity capital to assets | 11.3375% | 2,443 |
| Core capital (leverage) ratio | 11.1763% | 2,322 |
| Tier 1 risk-based capital ratio | 14.7740% | 3,894 |
| Total risk-based capital ratio | 15.8725% | 3,946 |
| Memoranda: | ||
| Average total assets | $29,885,750 | 6,587 |
| Average earning assets | $27,942,500 | 6,564 |
| Average equity | $3,350,250 | 6,540 |
| Average total loans | $21,946,750 | 6,185 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 427 |
| Cost of funding earning assets | 1.0096% | 521 |
| Net interest margin | 4.4177% | 823 |
| Noninterest income to average assets | 6.9838% | 101 |
| Noninterest expense to average assets | 8.2293% | 113 |
| Loan and lease loss provision to assets | 1.2053% | 134 |
| Net operating income to assets | 1.6807% | 647 |
| Return on assets (ROA) | 1.6807% | 706 |
| Pretax return on assets | 1.6807% | 1,154 |
| Return on Equity (ROE) | 15.0495% | 803 |
| Retained earnings to average equity (ytd only) | -2.6981% | 6,273 |
| Net charge-offs to loans | 3.8295% | 62 |
| Credit loss provision to net charge-offs | 42.4528% | 3,373 |
| Earnings coverage of net charge-offs (x) | 1.0165% | 4,192 |
| Efficiency ratio | 74.0361% | 3,120 |
| Assets per employee ($millions) | 1.6848% | 6,817 |
| Cash dividends to net income (ytd only)* | 117.9283% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 2,480 |
| Loan loss allowance to noncurrent loans | 61.6279% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.4401% | 1,744 |
| Noncurrent loans to loans | 2.8980% | 1,551 |
| Net loans and leases to total assets | 67.2734% | 2,368 |
| Net loans and leases to deposits | 80.5957% | 2,236 |
| Net loans and leases to core deposits | 84.6310% | 2,474 |
| Total domestic deposits to total assets | 83.4702% | 4,515 |
| Equity capital to assets | 11.0397% | 2,712 |
| Core capital (leverage) ratio | 11.1115% | 2,250 |
| Tier 1 risk-based capital ratio | 14.5253% | 4,085 |
| Total risk-based capital ratio | 15.6420% | 4,126 |
| Memoranda: | ||
| Average total assets | $29,869,000 | 6,636 |
| Average earning assets | $27,933,000 | 6,612 |
| Average equity | $3,335,670 | 6,595 |
| Average total loans | $22,143,670 | 6,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 400 |
| Cost of funding earning assets | 1.0396% | 494 |
| Net interest margin | 4.4037% | 800 |
| Noninterest income to average assets | 7.0715% | 99 |
| Noninterest expense to average assets | 8.2321% | 119 |
| Loan and lease loss provision to assets | 1.7544% | 73 |
| Net operating income to assets | 1.2011% | 1,523 |
| Return on assets (ROA) | 1.2011% | 1,631 |
| Pretax return on assets | 1.2011% | 2,570 |
| Return on Equity (ROE) | 10.6923% | 1,797 |
| Retained earnings to average equity (ytd only) | -15.9784% | 6,770 |
| Net charge-offs to loans | 7.4642% | 25 |
| Credit loss provision to net charge-offs | 30.5164% | 2,881 |
| Earnings coverage of net charge-offs (x) | 0.5141% | 3,647 |
| Efficiency ratio | 73.5826% | 3,333 |
| Assets per employee ($millions) | 1.6913% | 6,900 |
| Cash dividends to net income (ytd only)* | 249.4382% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,799 |
| Loan loss allowance to noncurrent loans | 61.3027% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.1679% | 2,159 |
| Noncurrent loans to loans | 2.4574% | 2,093 |
| Net loans and leases to total assets | 68.7229% | 1,885 |
| Net loans and leases to deposits | 81.9924% | 1,831 |
| Net loans and leases to core deposits | 85.1838% | 2,192 |
| Total domestic deposits to total assets | 83.8162% | 4,551 |
| Equity capital to assets | 10.7180% | 3,300 |
| Core capital (leverage) ratio | 10.8722% | 2,376 |
| Tier 1 risk-based capital ratio | 13.9246% | 4,563 |
| Total risk-based capital ratio | 15.0408% | 4,619 |
| Memoranda: | ||
| Average total assets | $29,640,000 | 6,719 |
| Average earning assets | $27,704,000 | 6,682 |
| Average equity | $3,329,500 | 6,657 |
| Average total loans | $22,829,000 | 6,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9243% | 299 |
| Cost of funding earning assets | 1.2466% | 469 |
| Net interest margin | 4.6777% | 678 |
| Noninterest income to average assets | 7.6556% | 94 |
| Noninterest expense to average assets | 8.4492% | 104 |
| Loan and lease loss provision to assets | 1.9484% | 114 |
| Net operating income to assets | 1.6048% | 752 |
| Return on assets (ROA) | 1.6048% | 831 |
| Pretax return on assets | 1.6048% | 1,371 |
| Return on Equity (ROE) | 13.3684% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.7479% | 3,577 |
| Net charge-offs to loans | 1.1135% | 942 |
| Credit loss provision to net charge-offs | 210.7280% | 1,208 |
| Earnings coverage of net charge-offs (x) | 3.8429% | 3,574 |
| Efficiency ratio | 70.3955% | 3,732 |
| Assets per employee ($millions) | 1.6020% | 6,976 |
| Cash dividends to net income (ytd only)* | 71.9647% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 1,105 |
| Loan loss allowance to noncurrent loans | 139.0519% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 2,296 |
| Noncurrent loans to loans | 1.8144% | 2,897 |
| Net loans and leases to total assets | 82.5357% | 299 |
| Net loans and leases to deposits | 98.1322% | 501 |
| Net loans and leases to core deposits | 102.1591% | 884 |
| Total domestic deposits to total assets | 84.1067% | 4,268 |
| Equity capital to assets | 11.7769% | 2,200 |
| Core capital (leverage) ratio | 11.4385% | 1,919 |
| Tier 1 risk-based capital ratio | 13.8445% | 4,498 |
| Total risk-based capital ratio | 14.9353% | 4,562 |
| Memoranda: | ||
| Average total assets | $28,227,600 | 6,801 |
| Average earning assets | $26,231,000 | 6,761 |
| Average equity | $3,388,600 | 6,711 |
| Average total loans | $23,439,400 | 6,270 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8992% | 333 |
| Cost of funding earning assets | 1.2842% | 471 |
| Net interest margin | 4.6150% | 793 |
| Noninterest income to average assets | 7.7978% | 94 |
| Noninterest expense to average assets | 8.5244% | 99 |
| Loan and lease loss provision to assets | 1.1873% | 306 |
| Net operating income to assets | 2.3698% | 219 |
| Return on assets (ROA) | 2.3698% | 237 |
| Pretax return on assets | 2.3698% | 361 |
| Return on Equity (ROE) | 19.6448% | 347 |
| Retained earnings to average equity (ytd only) | 9.7241% | 991 |
| Net charge-offs to loans | 1.3106% | 719 |
| Credit loss provision to net charge-offs | 109.6491% | 2,679 |
| Earnings coverage of net charge-offs (x) | 3.2851% | 3,712 |
| Efficiency ratio | 70.5582% | 3,582 |
| Assets per employee ($millions) | 1.6176% | 7,071 |
| Cash dividends to net income (ytd only)* | 50.5005% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,111 |
| Loan loss allowance to noncurrent loans | 72.5572% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.2873% | 2,327 |
| Noncurrent loans to loans | 2.0118% | 2,834 |
| Net loans and leases to total assets | 80.9149% | 440 |
| Net loans and leases to deposits | 96.5020% | 630 |
| Net loans and leases to core deposits | 100.4305% | 1,091 |
| Total domestic deposits to total assets | 83.8479% | 4,298 |
| Equity capital to assets | 12.0754% | 2,193 |
| Core capital (leverage) ratio | 12.1764% | 1,545 |
| Tier 1 risk-based capital ratio | 14.6190% | 4,103 |
| Total risk-based capital ratio | 15.6772% | 4,203 |
| Memoranda: | ||
| Average total assets | $28,075,500 | 6,889 |
| Average earning assets | $26,059,500 | 6,848 |
| Average equity | $3,386,750 | 6,796 |
| Average total loans | $23,195,250 | 6,371 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0949% | 260 |
| Cost of funding earning assets | 1.3389% | 450 |
| Net interest margin | 4.7560% | 606 |
| Noninterest income to average assets | 7.7322% | 95 |
| Noninterest expense to average assets | 7.9630% | 114 |
| Loan and lease loss provision to assets | 1.4426% | 261 |
| Net operating income to assets | 2.7337% | 130 |
| Return on assets (ROA) | 2.7337% | 140 |
| Pretax return on assets | 2.7337% | 211 |
| Return on Equity (ROE) | 22.6697% | 221 |
| Retained earnings to average equity (ytd only) | 12.0227% | 580 |
| Net charge-offs to loans | 1.6465% | 565 |
| Credit loss provision to net charge-offs | 105.8201% | 2,573 |
| Earnings coverage of net charge-offs (x) | 3.0635% | 3,523 |
| Efficiency ratio | 65.5971% | 4,601 |
| Assets per employee ($millions) | 1.7329% | 7,115 |
| Cash dividends to net income (ytd only)* | 46.9657% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,685 |
| Loan loss allowance to noncurrent loans | 63.4652% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.5662% | 2,175 |
| Noncurrent loans to loans | 2.4842% | 2,425 |
| Net loans and leases to total assets | 71.4121% | 1,655 |
| Net loans and leases to deposits | 84.8923% | 1,731 |
| Net loans and leases to core deposits | 88.2911% | 2,178 |
| Total domestic deposits to total assets | 84.1208% | 4,265 |
| Equity capital to assets | 11.7821% | 2,334 |
| Core capital (leverage) ratio | 12.0965% | 1,557 |
| Tier 1 risk-based capital ratio | 15.6153% | 3,380 |
| Total risk-based capital ratio | 16.7471% | 3,408 |
| Memoranda: | ||
| Average total assets | $27,728,330 | 6,953 |
| Average earning assets | $25,693,670 | 6,908 |
| Average equity | $3,343,670 | 6,845 |
| Average total loans | $22,957,330 | 6,417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 354 |
| Cost of funding earning assets | 1.4250% | 385 |
| Net interest margin | 4.4830% | 1,043 |
| Noninterest income to average assets | 5.5095% | 129 |
| Noninterest expense to average assets | 7.1177% | 137 |
| Loan and lease loss provision to assets | 0.7445% | 684 |
| Net operating income to assets | 1.8167% | 582 |
| Return on assets (ROA) | 1.8167% | 654 |
| Pretax return on assets | 1.8167% | 1,041 |
| Return on Equity (ROE) | 14.8780% | 994 |
| Retained earnings to average equity (ytd only) | 2.1951% | 5,164 |
| Net charge-offs to loans | 0.2863% | 2,525 |
| Credit loss provision to net charge-offs | 294.1176% | 1,003 |
| Earnings coverage of net charge-offs (x) | 10.1176% | 1,783 |
| Efficiency ratio | 73.5385% | 3,171 |
| Assets per employee ($millions) | 1.6653% | 7,190 |
| Cash dividends to net income (ytd only)* | 85.2459% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 4,410 |
| Loan loss allowance to noncurrent loans | 40.6321% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 3.9915% | 1,382 |
| Noncurrent loans to loans | 3.5488% | 1,750 |
| Net loans and leases to total assets | 86.9163% | 95 |
| Net loans and leases to deposits | 103.5737% | 264 |
| Net loans and leases to core deposits | 107.9021% | 613 |
| Total domestic deposits to total assets | 83.9173% | 4,528 |
| Equity capital to assets | 11.6143% | 2,339 |
| Core capital (leverage) ratio | 12.5062% | 1,340 |
| Tier 1 risk-based capital ratio | 14.5475% | 4,064 |
| Total risk-based capital ratio | 15.7276% | 4,090 |
| Memoranda: | ||
| Average total assets | $26,862,500 | 7,031 |
| Average earning assets | $24,983,000 | 6,981 |
| Average equity | $3,280,000 | 6,905 |
| Average total loans | $23,748,500 | 6,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2143% | 294 |
| Cost of funding earning assets | 1.8104% | 208 |
| Net interest margin | 4.4039% | 1,391 |
| Noninterest income to average assets | 5.1735% | 118 |
| Noninterest expense to average assets | 6.6449% | 162 |
| Loan and lease loss provision to assets | 0.9783% | 978 |
| Net operating income to assets | 1.6436% | 616 |
| Return on assets (ROA) | 1.6436% | 657 |
| Pretax return on assets | 1.6436% | 1,112 |
| Return on Equity (ROE) | 13.0565% | 1,149 |
| Retained earnings to average equity (ytd only) | 4.0413% | 3,318 |
| Net charge-offs to loans | 0.7122% | 2,380 |
| Credit loss provision to net charge-offs | 167.7852% | 1,607 |
| Earnings coverage of net charge-offs (x) | 4.4966% | 3,092 |
| Efficiency ratio | 71.7061% | 3,637 |
| Assets per employee ($millions) | 1.4950% | 7,263 |
| Cash dividends to net income (ytd only)* | 69.0476% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,229 |
| Loan loss allowance to noncurrent loans | 45.5432% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 3.3169% | 1,790 |
| Noncurrent loans to loans | 3.1867% | 2,033 |
| Net loans and leases to total assets | 87.3657% | 96 |
| Net loans and leases to deposits | 106.1935% | 243 |
| Net loans and leases to core deposits | 111.2592% | 582 |
| Total domestic deposits to total assets | 82.2703% | 5,039 |
| Equity capital to assets | 12.8743% | 1,560 |
| Core capital (leverage) ratio | 12.7791% | 1,233 |
| Tier 1 risk-based capital ratio | 15.1257% | 3,562 |
| Total risk-based capital ratio | 16.3266% | 3,558 |
| Memoranda: | ||
| Average total assets | $25,553,400 | 7,089 |
| Average earning assets | $23,751,600 | 7,054 |
| Average equity | $3,216,800 | 6,957 |
| Average total loans | $20,920,000 | 6,613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1502% | 361 |
| Cost of funding earning assets | 1.8557% | 204 |
| Net interest margin | 4.2945% | 1,743 |
| Noninterest income to average assets | 4.7521% | 132 |
| Noninterest expense to average assets | 6.1798% | 185 |
| Loan and lease loss provision to assets | 0.7816% | 1,201 |
| Net operating income to assets | 1.7820% | 536 |
| Return on assets (ROA) | 1.7820% | 584 |
| Pretax return on assets | 1.7820% | 986 |
| Return on Equity (ROE) | 14.2363% | 992 |
| Retained earnings to average equity (ytd only) | 5.8277% | 2,654 |
| Net charge-offs to loans | 0.1819% | 4,342 |
| Credit loss provision to net charge-offs | 535.7143% | 515 |
| Earnings coverage of net charge-offs (x) | 17.5725% | 1,346 |
| Efficiency ratio | 70.6794% | 3,820 |
| Assets per employee ($millions) | 1.5048% | 7,340 |
| Cash dividends to net income (ytd only)* | 59.0649% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 3,810 |
| Loan loss allowance to noncurrent loans | 77.4554% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.2750% | 2,815 |
| Noncurrent loans to loans | 2.0245% | 3,335 |
| Net loans and leases to total assets | 85.1458% | 156 |
| Net loans and leases to deposits | 103.4185% | 334 |
| Net loans and leases to core deposits | 108.3089% | 758 |
| Total domestic deposits to total assets | 82.3313% | 4,965 |
| Equity capital to assets | 12.8411% | 1,691 |
| Core capital (leverage) ratio | 12.7092% | 1,343 |
| Tier 1 risk-based capital ratio | 16.0922% | 3,069 |
| Total risk-based capital ratio | 17.2968% | 3,056 |
| Memoranda: | ||
| Average total assets | $25,588,000 | 7,158 |
| Average earning assets | $23,781,750 | 7,124 |
| Average equity | $3,203,000 | 7,016 |
| Average total loans | $20,517,250 | 6,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0477% | 439 |
| Cost of funding earning assets | 1.8925% | 217 |
| Net interest margin | 4.1552% | 2,210 |
| Noninterest income to average assets | 3.2591% | 202 |
| Noninterest expense to average assets | 4.8456% | 415 |
| Loan and lease loss provision to assets | 0.7816% | 1,188 |
| Net operating income to assets | 1.4928% | 902 |
| Return on assets (ROA) | 1.4928% | 963 |
| Pretax return on assets | 1.4928% | 1,552 |
| Return on Equity (ROE) | 12.0290% | 1,479 |
| Retained earnings to average equity (ytd only) | 4.0306% | 3,636 |
| Net charge-offs to loans | -0.0501% | 7,029 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0571% | 4,499 |
| Assets per employee ($millions) | 1.4480% | 7,417 |
| Cash dividends to net income (ytd only)* | 66.4921% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 3,748 |
| Loan loss allowance to noncurrent loans | 63.1478% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.5015% | 2,666 |
| Noncurrent loans to loans | 2.5116% | 2,876 |
| Net loans and leases to total assets | 78.3264% | 734 |
| Net loans and leases to deposits | 93.1044% | 939 |
| Net loans and leases to core deposits | 98.0218% | 1,503 |
| Total domestic deposits to total assets | 84.1275% | 4,295 |
| Equity capital to assets | 12.3082% | 1,898 |
| Core capital (leverage) ratio | 12.3288% | 1,440 |
| Tier 1 risk-based capital ratio | 16.0472% | 2,958 |
| Total risk-based capital ratio | 17.2677% | 2,933 |
| Memoranda: | ||
| Average total assets | $25,590,000 | 7,225 |
| Average earning assets | $23,777,670 | 7,186 |
| Average equity | $3,175,670 | 7,080 |
| Average total loans | $19,980,000 | 6,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2509% | 308 |
| Cost of funding earning assets | 1.9025% | 245 |
| Net interest margin | 4.3485% | 1,428 |
| Noninterest income to average assets | 2.4139% | 281 |
| Noninterest expense to average assets | 4.3230% | 706 |
| Loan and lease loss provision to assets | 0.7889% | 1,082 |
| Net operating income to assets | 1.3411% | 1,173 |
| Return on assets (ROA) | 1.3411% | 1,221 |
| Pretax return on assets | 1.3411% | 1,909 |
| Return on Equity (ROE) | 10.7612% | 1,815 |
| Retained earnings to average equity (ytd only) | 3.2917% | 4,209 |
| Net charge-offs to loans | -0.3878% | 7,383 |
| Credit loss provision to net charge-offs | -263.1579% | 5,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9927% | 4,853 |
| Assets per employee ($millions) | 1.8355% | 7,410 |
| Cash dividends to net income (ytd only)* | 69.4118% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 4,157 |
| Loan loss allowance to noncurrent loans | 85.4227% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0002% | 3,314 |
| Noncurrent loans to loans | 1.7682% | 3,868 |
| Net loans and leases to total assets | 74.3472% | 1,293 |
| Net loans and leases to deposits | 88.4777% | 1,408 |
| Net loans and leases to core deposits | 93.2270% | 1,983 |
| Total domestic deposits to total assets | 84.0293% | 4,478 |
| Equity capital to assets | 12.3477% | 1,711 |
| Core capital (leverage) ratio | 12.4204% | 1,364 |
| Tier 1 risk-based capital ratio | 16.5073% | 2,657 |
| Total risk-based capital ratio | 17.7196% | 2,649 |
| Memoranda: | ||
| Average total assets | $25,353,000 | 7,281 |
| Average earning assets | $23,548,500 | 7,245 |
| Average equity | $3,159,500 | 7,125 |
| Average total loans | $19,598,000 | 6,864 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7984% | 201 |
| Cost of funding earning assets | 2.0347% | 533 |
| Net interest margin | 4.7636% | 713 |
| Noninterest income to average assets | 2.0086% | 392 |
| Noninterest expense to average assets | 4.2188% | 886 |
| Loan and lease loss provision to assets | 0.9075% | 1,800 |
| Net operating income to assets | 1.3108% | 1,143 |
| Return on assets (ROA) | 1.3149% | 1,205 |
| Pretax return on assets | 1.3149% | 1,897 |
| Return on Equity (ROE) | 11.7115% | 1,386 |
| Retained earnings to average equity (ytd only) | 4.2750% | 2,850 |
| Net charge-offs to loans | 1.0497% | 2,106 |
| Credit loss provision to net charge-offs | 110.8374% | 3,969 |
| Earnings coverage of net charge-offs (x) | 2.7094% | 3,735 |
| Efficiency ratio | 65.5388% | 5,057 |
| Assets per employee ($millions) | 1.3894% | 7,565 |
| Cash dividends to net income (ytd only)* | 63.4969% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,798 |
| Loan loss allowance to noncurrent loans | 63.3803% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 3,211 |
| Noncurrent loans to loans | 1.7931% | 3,825 |
| Net loans and leases to total assets | 78.2638% | 903 |
| Net loans and leases to deposits | 93.6104% | 1,095 |
| Net loans and leases to core deposits | 98.8086% | 1,720 |
| Total domestic deposits to total assets | 83.6059% | 4,551 |
| Equity capital to assets | 12.5795% | 1,586 |
| Core capital (leverage) ratio | 12.0670% | 1,499 |
| Tier 1 risk-based capital ratio | 16.3414% | 2,601 |
| Total risk-based capital ratio | 17.5154% | 2,586 |
| Memoranda: | ||
| Average total assets | $24,793,600 | 7,354 |
| Average earning assets | $23,049,600 | 7,320 |
| Average equity | $2,783,600 | 7,330 |
| Average total loans | $19,339,400 | 6,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9405% | 159 |
| Cost of funding earning assets | 2.0641% | 605 |
| Net interest margin | 4.8763% | 579 |
| Noninterest income to average assets | 1.6545% | 509 |
| Noninterest expense to average assets | 3.9127% | 1,181 |
| Loan and lease loss provision to assets | 0.9431% | 1,591 |
| Net operating income to assets | 1.3312% | 1,280 |
| Return on assets (ROA) | 1.3366% | 1,340 |
| Pretax return on assets | 1.3366% | 2,075 |
| Return on Equity (ROE) | 12.2785% | 1,433 |
| Retained earnings to average equity (ytd only) | 2.0301% | 4,943 |
| Net charge-offs to loans | 1.3177% | 1,546 |
| Credit loss provision to net charge-offs | 92.1053% | 4,687 |
| Earnings coverage of net charge-offs (x) | 2.2210% | 4,066 |
| Efficiency ratio | 63.2404% | 5,396 |
| Assets per employee ($millions) | 1.6401% | 7,630 |
| Cash dividends to net income (ytd only)* | 83.4664% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 6,658 |
| Loan loss allowance to noncurrent loans | 42.0935% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.1226% | 3,301 |
| Noncurrent loans to loans | 2.1977% | 3,449 |
| Net loans and leases to total assets | 77.1350% | 1,193 |
| Net loans and leases to deposits | 91.1264% | 1,555 |
| Net loans and leases to core deposits | 101.9133% | 1,660 |
| Total domestic deposits to total assets | 84.6462% | 3,804 |
| Equity capital to assets | 11.6954% | 2,362 |
| Core capital (leverage) ratio | 11.5520% | 1,908 |
| Tier 1 risk-based capital ratio | 13.7160% | 4,041 |
| Total risk-based capital ratio | 14.5648% | 4,310 |
| Memoranda: | ||
| Average total assets | $24,739,750 | 7,447 |
| Average earning assets | $22,995,000 | 7,415 |
| Average equity | $2,693,000 | 7,450 |
| Average total loans | $19,224,750 | 7,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2143% | 120 |
| Cost of funding earning assets | 2.0334% | 814 |
| Net interest margin | 5.1809% | 296 |
| Noninterest income to average assets | 1.2789% | 785 |
| Noninterest expense to average assets | 3.5975% | 1,790 |
| Loan and lease loss provision to assets | 1.0314% | 1,413 |
| Net operating income to assets | 1.4852% | 940 |
| Return on assets (ROA) | 1.4852% | 1,000 |
| Pretax return on assets | 1.4852% | 1,597 |
| Return on Equity (ROE) | 14.0205% | 1,036 |
| Retained earnings to average equity (ytd only) | 2.1031% | 4,806 |
| Net charge-offs to loans | 1.2325% | 1,551 |
| Credit loss provision to net charge-offs | 107.7586% | 3,781 |
| Earnings coverage of net charge-offs (x) | 2.6293% | 3,683 |
| Efficiency ratio | 58.8394% | 6,254 |
| Assets per employee ($millions) | 1.4513% | 7,719 |
| Cash dividends to net income (ytd only)* | 85.0000% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 6,054 |
| Loan loss allowance to noncurrent loans | 54.0816% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.5772% | 4,091 |
| Noncurrent loans to loans | 1.9905% | 3,728 |
| Net loans and leases to total assets | 74.5780% | 1,796 |
| Net loans and leases to deposits | 86.9422% | 2,350 |
| Net loans and leases to core deposits | 94.0796% | 2,703 |
| Total domestic deposits to total assets | 85.7788% | 3,217 |
| Equity capital to assets | 10.5386% | 3,362 |
| Core capital (leverage) ratio | 10.7045% | 2,461 |
| Tier 1 risk-based capital ratio | 14.5708% | 3,400 |
| Total risk-based capital ratio | 15.6990% | 3,437 |
| Memoranda: | ||
| Average total assets | $24,239,330 | 7,526 |
| Average earning assets | $22,621,670 | 7,488 |
| Average equity | $2,567,670 | 7,531 |
| Average total loans | $18,823,000 | 7,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0855% | 67 |
| Cost of funding earning assets | 1.9752% | 1,169 |
| Net interest margin | 6.1103% | 96 |
| Noninterest income to average assets | 0.8241% | 1,917 |
| Noninterest expense to average assets | 2.8158% | 4,432 |
| Loan and lease loss provision to assets | 1.7169% | 659 |
| Net operating income to assets | 1.9745% | 360 |
| Return on assets (ROA) | 1.9745% | 394 |
| Pretax return on assets | 1.9745% | 637 |
| Return on Equity (ROE) | 18.5859% | 473 |
| Retained earnings to average equity (ytd only) | 2.4242% | 4,683 |
| Net charge-offs to loans | 1.6098% | 1,083 |
| Credit loss provision to net charge-offs | 135.1351% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.9054% | 3,099 |
| Efficiency ratio | 43.2718% | 7,641 |
| Assets per employee ($millions) | 2.0118% | 7,664 |
| Cash dividends to net income (ytd only)* | 86.9565% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,516 |
| Loan loss allowance to noncurrent loans | 44.6602% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2576% | 3,202 |
| Noncurrent loans to loans | 2.6827% | 2,991 |
| Net loans and leases to total assets | 78.5676% | 1,045 |
| Net loans and leases to deposits | 91.6413% | 1,666 |
| Net loans and leases to core deposits | 99.8421% | 2,150 |
| Total domestic deposits to total assets | 85.7338% | 3,289 |
| Equity capital to assets | 10.2854% | 3,492 |
| Core capital (leverage) ratio | 10.7923% | 2,372 |
| Tier 1 risk-based capital ratio | 13.8501% | 3,764 |
| Total risk-based capital ratio | 15.1001% | 3,725 |
| Memoranda: | ||
| Average total assets | $23,297,500 | 7,644 |
| Average earning assets | $21,668,500 | 7,605 |
| Average equity | $2,475,000 | 7,643 |
| Average total loans | $18,387,500 | 7,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2746% | 181 |
| Cost of funding earning assets | 2.3151% | 1,598 |
| Net interest margin | 4.9595% | 487 |
| Noninterest income to average assets | 0.7635% | 2,596 |
| Noninterest expense to average assets | 3.2153% | 3,329 |
| Loan and lease loss provision to assets | 0.7341% | 2,913 |
| Net operating income to assets | 1.3850% | 877 |
| Return on assets (ROA) | 1.3850% | 932 |
| Pretax return on assets | 1.3850% | 1,471 |
| Return on Equity (ROE) | 11.4306% | 1,314 |
| Retained earnings to average equity (ytd only) | 1.3329% | 4,111 |
| Net charge-offs to loans | 0.6409% | 3,274 |
| Credit loss provision to net charge-offs | 159.5745% | 2,805 |
| Earnings coverage of net charge-offs (x) | 4.6064% | 2,888 |
| Efficiency ratio | 60.2752% | 6,445 |
| Assets per employee ($millions) | 2.0413% | 7,706 |
| Cash dividends to net income (ytd only)* | 88.3392% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,615 |
| Loan loss allowance to noncurrent loans | 42.2917% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 3,220 |
| Noncurrent loans to loans | 2.7307% | 2,829 |
| Net loans and leases to total assets | 77.3804% | 1,505 |
| Net loans and leases to deposits | 88.5305% | 2,466 |
| Net loans and leases to core deposits | 146.6121% | 598 |
| Total domestic deposits to total assets | 87.4054% | 2,264 |
| Equity capital to assets | 10.9869% | 2,715 |
| Core capital (leverage) ratio | 11.7478% | 1,786 |
| Tier 1 risk-based capital ratio | 14.8220% | 3,038 |
| Total risk-based capital ratio | 16.0471% | 3,001 |
| Memoranda: | ||
| Average total assets | $20,433,400 | 7,764 |
| Average earning assets | $18,832,600 | 7,737 |
| Average equity | $2,475,800 | 7,739 |
| Average total loans | $14,665,800 | 7,470 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4275% | 163 |
| Cost of funding earning assets | 2.3983% | 1,638 |
| Net interest margin | 5.0292% | 418 |
| Noninterest income to average assets | 0.7560% | 2,672 |
| Noninterest expense to average assets | 3.2315% | 3,184 |
| Loan and lease loss provision to assets | 0.4014% | 3,908 |
| Net operating income to assets | 1.7529% | 504 |
| Return on assets (ROA) | 1.7529% | 527 |
| Pretax return on assets | 1.7529% | 877 |
| Return on Equity (ROE) | 14.0969% | 912 |
| Retained earnings to average equity (ytd only) | 6.0262% | 1,936 |
| Net charge-offs to loans | 0.1914% | 4,870 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 16.0975% | 1,490 |
| Efficiency ratio | 60.0000% | 6,413 |
| Assets per employee ($millions) | 1.9507% | 7,829 |
| Cash dividends to net income (ytd only)* | 57.2541% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,606 |
| Loan loss allowance to noncurrent loans | 40.2151% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 2,889 |
| Noncurrent loans to loans | 2.7819% | 2,730 |
| Net loans and leases to total assets | 84.7286% | 459 |
| Net loans and leases to deposits | 99.5543% | 1,149 |
| Net loans and leases to core deposits | 148.9546% | 605 |
| Total domestic deposits to total assets | 85.1079% | 3,170 |
| Equity capital to assets | 13.0415% | 1,679 |
| Core capital (leverage) ratio | 12.7297% | 1,487 |
| Tier 1 risk-based capital ratio | 16.6034% | 2,392 |
| Total risk-based capital ratio | 17.8281% | 2,356 |
| Memoranda: | ||
| Average total assets | $19,928,250 | 7,849 |
| Average earning assets | $18,345,750 | 7,830 |
| Average equity | $2,478,000 | 7,812 |
| Average total loans | $13,937,750 | 7,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2949% | 211 |
| Cost of funding earning assets | 2.3955% | 1,986 |
| Net interest margin | 4.8994% | 540 |
| Noninterest income to average assets | 0.6876% | 3,072 |
| Noninterest expense to average assets | 3.1392% | 3,542 |
| Loan and lease loss provision to assets | 0.3986% | 3,526 |
| Net operating income to assets | 1.6543% | 616 |
| Return on assets (ROA) | 1.6543% | 676 |
| Pretax return on assets | 1.6543% | 1,103 |
| Return on Equity (ROE) | 13.5179% | 1,064 |
| Retained earnings to average equity (ytd only) | 5.3746% | 2,304 |
| Net charge-offs to loans | 0.4919% | 2,858 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | 6.4375% | 2,620 |
| Efficiency ratio | 60.4607% | 6,471 |
| Assets per employee ($millions) | 2.0517% | 7,818 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 6,010 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 2.2664% | 2,875 |
| Noncurrent loans to loans | 3.0944% | 2,314 |
| Net loans and leases to total assets | 72.4862% | 3,091 |
| Net loans and leases to deposits | 89.4287% | 2,909 |
| Net loans and leases to core deposits | 132.7739% | 1,382 |
| Total domestic deposits to total assets | 81.0547% | 5,067 |
| Equity capital to assets | 12.1655% | 2,117 |
| Core capital (leverage) ratio | 12.6519% | 1,559 |
| Tier 1 risk-based capital ratio | 17.0702% | 2,277 |
| Total risk-based capital ratio | 18.1332% | 2,289 |
| Memoranda: | ||
| Average total assets | $20,068,670 | 7,923 |
| Average earning assets | $18,451,330 | 7,903 |
| Average equity | $2,456,000 | 7,888 |
| Average total loans | $13,012,000 | 7,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2108% | 249 |
| Cost of funding earning assets | 2.6221% | 1,498 |
| Net interest margin | 4.5887% | 959 |
| Noninterest income to average assets | 0.6249% | 3,382 |
| Noninterest expense to average assets | 3.1243% | 3,287 |
| Loan and lease loss provision to assets | 0.4031% | 2,909 |
| Net operating income to assets | 1.3303% | 1,313 |
| Return on assets (ROA) | 1.3303% | 1,412 |
| Pretax return on assets | 1.3303% | 2,177 |
| Return on Equity (ROE) | 10.8374% | 2,017 |
| Retained earnings to average equity (ytd only) | 2.6273% | 4,421 |
| Net charge-offs to loans | 0.4332% | 2,378 |
| Credit loss provision to net charge-offs | 153.8462% | 2,714 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,469 |
| Efficiency ratio | 64.3154% | 5,629 |
| Assets per employee ($millions) | 1.9660% | 7,924 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,339 |
| Loan loss allowance to noncurrent loans | 30.3150% | 6,530 |
| Noncurrent assets plus other real estate owned to assets | 2.5839% | 2,218 |
| Noncurrent loans to loans | 4.1578% | 1,435 |
| Net loans and leases to total assets | 61.3632% | 5,433 |
| Net loans and leases to deposits | 70.1681% | 5,960 |
| Net loans and leases to core deposits | 108.0326% | 3,675 |
| Total domestic deposits to total assets | 87.4517% | 1,990 |
| Equity capital to assets | 12.4364% | 2,010 |
| Core capital (leverage) ratio | 12.2034% | 1,814 |
| Tier 1 risk-based capital ratio | 18.8539% | 1,847 |
| Total risk-based capital ratio | 20.0449% | 1,809 |
| Memoranda: | ||
| Average total assets | $19,844,500 | 7,982 |
| Average earning assets | $18,306,000 | 7,953 |
| Average equity | $2,436,000 | 7,946 |
| Average total loans | $12,004,500 | 7,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0561% | 998 |
| Cost of funding earning assets | 3.3228% | 863 |
| Net interest margin | 3.7332% | 4,307 |
| Noninterest income to average assets | 0.6963% | 3,142 |
| Noninterest expense to average assets | 2.7183% | 5,185 |
| Loan and lease loss provision to assets | 0.1032% | 6,061 |
| Net operating income to assets | 1.2534% | 1,627 |
| Return on assets (ROA) | 1.2637% | 1,536 |
| Pretax return on assets | 1.2637% | 2,428 |
| Return on Equity (ROE) | 10.1390% | 2,209 |
| Retained earnings to average equity (ytd only) | 0.8277% | 4,730 |
| Net charge-offs to loans | 0.2153% | 4,057 |
| Credit loss provision to net charge-offs | 80.0000% | 5,900 |
| Earnings coverage of net charge-offs (x) | 10.5200% | 2,501 |
| Efficiency ratio | 66.7089% | 4,967 |
| Assets per employee ($millions) | 2.2254% | 7,667 |
| Cash dividends to net income (ytd only)* | 91.8367% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,179 |
| Loan loss allowance to noncurrent loans | 31.2102% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 2.5313% | 1,913 |
| Noncurrent loans to loans | 3.9946% | 1,231 |
| Net loans and leases to total assets | 58.1357% | 6,181 |
| Net loans and leases to deposits | 70.2334% | 6,247 |
| Net loans and leases to core deposits | 106.4254% | 4,144 |
| Total domestic deposits to total assets | 82.7750% | 3,866 |
| Equity capital to assets | 12.1174% | 2,213 |
| Core capital (leverage) ratio | 11.9260% | 2,005 |
| Tier 1 risk-based capital ratio | 19.1179% | 1,786 |
| Total risk-based capital ratio | 20.2777% | 1,763 |
| Memoranda: | ||
| Average total assets | $19,387,400 | 8,037 |
| Average earning assets | $17,545,200 | 8,021 |
| Average equity | $2,416,400 | 8,013 |
| Average total loans | $11,610,000 | 7,854 |