Home > Peoples Bank, Mt. Washington > Performance and Condition Ratios
Peoples Bank, Mt. Washington, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 2,140 |
| Cost of funding earning assets | 0.7081% | 4,193 |
| Net interest margin | 4.7694% | 429 |
| Noninterest income to average assets | 0.5400% | 1,566 |
| Noninterest expense to average assets | 3.4107% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6531% | 811 |
| Return on assets (ROA) | 1.6531% | 809 |
| Pretax return on assets | 1.6531% | 1,198 |
| Return on Equity (ROE) | 23.3000% | 260 |
| Retained earnings to average equity (ytd only) | 5.4458% | 2,449 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.3540% | 2,111 |
| Assets per employee ($millions) | 4.8642% | 3,754 |
| Cash dividends to net income (ytd only)* | 76.6316% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 1,812 |
| Loan loss allowance to noncurrent loans | 90.3318% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 806 |
| Noncurrent loans to loans | 1.4108% | 716 |
| Net loans and leases to total assets | 63.2400% | 2,583 |
| Net loans and leases to deposits | 68.4430% | 2,954 |
| Net loans and leases to core deposits | 73.7073% | 3,092 |
| Total domestic deposits to total assets | 92.4000% | 208 |
| Equity capital to assets | 7.2015% | 3,958 |
| Core capital (leverage) ratio | 10.6892% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2440% | 1,439 |
| Memoranda: | ||
| Average total assets | $114,933,000 | 3,649 |
| Average earning assets | $109,029,000 | 3,620 |
| Average equity | $8,153,000 | 3,972 |
| Average total loans | $75,205,500 | 3,506 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 2,183 |
| Cost of funding earning assets | 0.7275% | 4,212 |
| Net interest margin | 4.7490% | 466 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 3.4541% | 622 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.6342% | 735 |
| Return on assets (ROA) | 1.6342% | 727 |
| Pretax return on assets | 1.6342% | 1,072 |
| Return on Equity (ROE) | 23.0600% | 251 |
| Retained earnings to average equity (ytd only) | 4.6323% | 2,385 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 67.5316% | 2,308 |
| Assets per employee ($millions) | 4.9185% | 3,703 |
| Cash dividends to net income (ytd only)* | 79.9134% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 1,850 |
| Loan loss allowance to noncurrent loans | 86.5036% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 688 |
| Noncurrent loans to loans | 1.4597% | 666 |
| Net loans and leases to total assets | 66.0100% | 2,358 |
| Net loans and leases to deposits | 71.4831% | 2,831 |
| Net loans and leases to core deposits | 77.2111% | 2,961 |
| Total domestic deposits to total assets | 92.3500% | 236 |
| Equity capital to assets | 6.9825% | 3,966 |
| Core capital (leverage) ratio | 10.6469% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7730% | 1,587 |
| Memoranda: | ||
| Average total assets | $113,025,000 | 3,661 |
| Average earning assets | $107,221,600 | 3,632 |
| Average equity | $8,009,000 | 3,960 |
| Average total loans | $70,741,000 | 3,553 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4286% | 2,223 |
| Cost of funding earning assets | 0.7098% | 4,253 |
| Net interest margin | 4.7188% | 479 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 3.3309% | 701 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.6979% | 694 |
| Return on assets (ROA) | 1.6979% | 696 |
| Pretax return on assets | 1.6979% | 1,018 |
| Return on Equity (ROE) | 23.8700% | 232 |
| Retained earnings to average equity (ytd only) | 5.6906% | 2,205 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.1434% | 2,470 |
| Assets per employee ($millions) | 5.0322% | 3,632 |
| Cash dividends to net income (ytd only)* | 76.1640% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 1,741 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 61.3500% | 2,803 |
| Net loans and leases to deposits | 66.9555% | 3,187 |
| Net loans and leases to core deposits | 71.5921% | 3,315 |
| Total domestic deposits to total assets | 91.6300% | 242 |
| Equity capital to assets | 7.8010% | 3,832 |
| Core capital (leverage) ratio | 10.4408% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3467% | 1,450 |
| Memoranda: | ||
| Average total assets | $112,999,750 | 3,672 |
| Average earning assets | $107,257,250 | 3,643 |
| Average equity | $8,036,500 | 3,976 |
| Average total loans | $69,518,250 | 3,582 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 2,245 |
| Cost of funding earning assets | 0.6602% | 4,279 |
| Net interest margin | 4.6949% | 496 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 3.3795% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6166% | 776 |
| Return on assets (ROA) | 1.6166% | 774 |
| Pretax return on assets | 1.6166% | 1,105 |
| Return on Equity (ROE) | 23.5200% | 272 |
| Retained earnings to average equity (ytd only) | 5.4505% | 2,197 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.6429% | 2,368 |
| Assets per employee ($millions) | 5.2286% | 3,427 |
| Cash dividends to net income (ytd only)* | 76.8212% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 1,729 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.0000% | 2,862 |
| Net loans and leases to deposits | 67.0610% | 3,191 |
| Net loans and leases to core deposits | 71.3574% | 3,296 |
| Total domestic deposits to total assets | 90.9600% | 466 |
| Equity capital to assets | 6.7618% | 4,022 |
| Core capital (leverage) ratio | 10.4209% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1743% | 1,472 |
| Memoranda: | ||
| Average total assets | $112,086,000 | 3,695 |
| Average earning assets | $106,327,667 | 3,662 |
| Average equity | $7,705,667 | 3,999 |
| Average total loans | $68,712,333 | 3,601 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2043% | 2,391 |
| Cost of funding earning assets | 0.5880% | 4,321 |
| Net interest margin | 4.6163% | 517 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 3.3630% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5622% | 815 |
| Return on assets (ROA) | 1.5622% | 826 |
| Pretax return on assets | 1.5622% | 1,154 |
| Return on Equity (ROE) | 22.5300% | 307 |
| Retained earnings to average equity (ytd only) | 5.0590% | 2,380 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.2819% | 2,349 |
| Assets per employee ($millions) | 5.3253% | 3,410 |
| Cash dividends to net income (ytd only)* | 77.5463% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,507 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 59.7800% | 2,882 |
| Net loans and leases to deposits | 65.6565% | 3,189 |
| Net loans and leases to core deposits | 69.9191% | 3,339 |
| Total domestic deposits to total assets | 91.0600% | 512 |
| Equity capital to assets | 6.7423% | 3,999 |
| Core capital (leverage) ratio | 10.6758% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7577% | 1,342 |
| Memoranda: | ||
| Average total assets | $110,614,500 | 3,723 |
| Average earning assets | $104,759,500 | 3,696 |
| Average equity | $7,669,500 | 4,021 |
| Average total loans | $67,521,000 | 3,625 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 2,389 |
| Cost of funding earning assets | 0.2608% | 4,406 |
| Net interest margin | 4.5830% | 542 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 3.4249% | 637 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4861% | 1,043 |
| Return on assets (ROA) | 1.4861% | 1,012 |
| Pretax return on assets | 1.4861% | 1,454 |
| Return on Equity (ROE) | 22.1700% | 451 |
| Retained earnings to average equity (ytd only) | 4.5620% | 2,766 |
| Net charge-offs to loans | 0.0062% | 2,462 |
| Credit loss provision to net charge-offs | 350.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 409.5000% | 346 |
| Efficiency ratio | 69.4802% | 1,961 |
| Assets per employee ($millions) | 4.9726% | 3,661 |
| Cash dividends to net income (ytd only)* | 79.4190% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,486 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.6400% | 2,794 |
| Net loans and leases to deposits | 65.6662% | 3,193 |
| Net loans and leases to core deposits | 69.6449% | 3,329 |
| Total domestic deposits to total assets | 92.3400% | 256 |
| Equity capital to assets | 7.1291% | 3,891 |
| Core capital (leverage) ratio | 10.7540% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5336% | 1,387 |
| Memoranda: | ||
| Average total assets | $108,878,600 | 3,753 |
| Average earning assets | $102,748,600 | 3,718 |
| Average equity | $7,299,400 | 4,010 |
| Average total loans | $64,008,800 | 3,649 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 2,342 |
| Cost of funding earning assets | 0.2184% | 4,429 |
| Net interest margin | 4.5470% | 580 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.2478% | 767 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6294% | 891 |
| Return on assets (ROA) | 1.6294% | 880 |
| Pretax return on assets | 1.6294% | 1,296 |
| Return on Equity (ROE) | 24.7000% | 396 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,931 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.2581% | 2,242 |
| Assets per employee ($millions) | 5.3266% | 3,325 |
| Cash dividends to net income (ytd only)* | 79.7592% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,325 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.0400% | 2,841 |
| Net loans and leases to deposits | 64.1410% | 3,259 |
| Net loans and leases to core deposits | 67.3731% | 3,359 |
| Total domestic deposits to total assets | 93.6100% | 226 |
| Equity capital to assets | 5.9260% | 4,017 |
| Core capital (leverage) ratio | 10.7748% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2804% | 1,482 |
| Memoranda: | ||
| Average total assets | $108,749,000 | 3,769 |
| Average earning assets | $102,569,500 | 3,732 |
| Average equity | $7,174,500 | 4,030 |
| Average total loans | $63,196,250 | 3,667 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 2,249 |
| Cost of funding earning assets | 0.1668% | 4,461 |
| Net interest margin | 4.5126% | 596 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.2807% | 705 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5490% | 1,022 |
| Return on assets (ROA) | 1.5490% | 1,018 |
| Pretax return on assets | 1.5490% | 1,501 |
| Return on Equity (ROE) | 22.7300% | 501 |
| Retained earnings to average equity (ytd only) | 5.0391% | 2,924 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.4174% | 2,059 |
| Assets per employee ($millions) | 4.8967% | 3,679 |
| Cash dividends to net income (ytd only)* | 77.8302% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,120 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.5300% | 3,002 |
| Net loans and leases to deposits | 61.9916% | 3,306 |
| Net loans and leases to core deposits | 65.0968% | 3,394 |
| Total domestic deposits to total assets | 92.8100% | 281 |
| Equity capital to assets | 6.8589% | 3,868 |
| Core capital (leverage) ratio | 10.5404% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3815% | 1,245 |
| Memoranda: | ||
| Average total assets | $109,488,333 | 3,778 |
| Average earning assets | $103,133,667 | 3,745 |
| Average equity | $7,461,667 | 4,021 |
| Average total loans | $62,631,333 | 3,677 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 2,302 |
| Cost of funding earning assets | 0.1503% | 4,456 |
| Net interest margin | 4.3555% | 740 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.2690% | 723 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4098% | 1,382 |
| Return on assets (ROA) | 1.4098% | 1,353 |
| Pretax return on assets | 1.4098% | 1,862 |
| Return on Equity (ROE) | 20.7500% | 679 |
| Retained earnings to average equity (ytd only) | 2.8808% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0658% | 1,853 |
| Assets per employee ($millions) | 4.9912% | 3,664 |
| Cash dividends to net income (ytd only)* | 86.1183% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,195 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.0400% | 3,039 |
| Net loans and leases to deposits | 60.5028% | 3,303 |
| Net loans and leases to core deposits | 62.7284% | 3,405 |
| Total domestic deposits to total assets | 92.6300% | 368 |
| Equity capital to assets | 7.0879% | 3,788 |
| Core capital (leverage) ratio | 10.3867% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3638% | 1,297 |
| Memoranda: | ||
| Average total assets | $110,368,500 | 3,820 |
| Average earning assets | $103,777,000 | 3,788 |
| Average equity | $7,498,000 | 4,062 |
| Average total loans | $62,480,000 | 3,726 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 2,084 |
| Cost of funding earning assets | 0.0839% | 4,462 |
| Net interest margin | 3.7787% | 1,204 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 3.1820% | 738 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.0981% | 2,180 |
| Return on assets (ROA) | 1.0981% | 2,117 |
| Pretax return on assets | 1.0981% | 2,779 |
| Return on Equity (ROE) | 14.4100% | 1,432 |
| Retained earnings to average equity (ytd only) | 3.2723% | 3,636 |
| Net charge-offs to loans | -0.3665% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9123% | 1,018 |
| Assets per employee ($millions) | 4.8230% | 3,798 |
| Cash dividends to net income (ytd only)* | 77.2947% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,211 |
| Loan loss allowance to noncurrent loans | 3,342.8571% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,580 |
| Noncurrent loans to loans | 0.0448% | 3,435 |
| Net loans and leases to total assets | 55.4700% | 3,080 |
| Net loans and leases to deposits | 59.6188% | 3,353 |
| Net loans and leases to core deposits | 61.2387% | 3,436 |
| Total domestic deposits to total assets | 93.0400% | 397 |
| Equity capital to assets | 6.5023% | 3,896 |
| Core capital (leverage) ratio | 10.1610% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1171% | 1,342 |
| Memoranda: | ||
| Average total assets | $113,106,400 | 3,798 |
| Average earning assets | $106,121,600 | 3,771 |
| Average equity | $8,617,800 | 4,034 |
| Average total loans | $60,575,400 | 3,717 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 2,150 |
| Cost of funding earning assets | 0.0787% | 4,431 |
| Net interest margin | 3.5864% | 1,424 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 3.0092% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9338% | 2,744 |
| Return on assets (ROA) | 0.9338% | 2,710 |
| Pretax return on assets | 0.9338% | 3,224 |
| Return on Equity (ROE) | 11.8300% | 2,087 |
| Retained earnings to average equity (ytd only) | 2.3190% | 3,955 |
| Net charge-offs to loans | -0.4925% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.3166% | 1,048 |
| Assets per employee ($millions) | 4.9557% | 3,715 |
| Cash dividends to net income (ytd only)* | 80.4020% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 904 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.1100% | 3,179 |
| Net loans and leases to deposits | 56.5136% | 3,438 |
| Net loans and leases to core deposits | 56.5136% | 3,597 |
| Total domestic deposits to total assets | 93.9800% | 363 |
| Equity capital to assets | 5.6712% | 4,082 |
| Core capital (leverage) ratio | 9.8475% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2812% | 1,348 |
| Memoranda: | ||
| Average total assets | $113,650,500 | 3,814 |
| Average earning assets | $106,697,000 | 3,787 |
| Average equity | $8,969,000 | 4,038 |
| Average total loans | $60,102,250 | 3,740 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 2,238 |
| Cost of funding earning assets | 0.0789% | 4,392 |
| Net interest margin | 3.3855% | 1,647 |
| Noninterest income to average assets | 0.6183% | 1,662 |
| Noninterest expense to average assets | 2.9364% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8578% | 2,742 |
| Return on assets (ROA) | 0.8578% | 2,719 |
| Pretax return on assets | 0.8578% | 3,180 |
| Return on Equity (ROE) | 9.9347% | 2,361 |
| Retained earnings to average equity (ytd only) | 2.5908% | 3,583 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3909% | 1,138 |
| Assets per employee ($millions) | 4.9497% | 3,716 |
| Cash dividends to net income (ytd only)* | 73.9220% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 2,014 |
| Loan loss allowance to noncurrent loans | 317.5781% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,191 |
| Noncurrent loans to loans | 0.4214% | 1,853 |
| Net loans and leases to total assets | 52.6519% | 3,096 |
| Net loans and leases to deposits | 56.7431% | 3,322 |
| Net loans and leases to core deposits | 56.7431% | 3,509 |
| Total domestic deposits to total assets | 92.7900% | 566 |
| Equity capital to assets | 6.9772% | 3,784 |
| Core capital (leverage) ratio | 9.8742% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3809% | 1,332 |
| Memoranda: | ||
| Average total assets | $113,540,667 | 3,858 |
| Average earning assets | $106,512,333 | 3,843 |
| Average equity | $9,804,000 | 4,019 |
| Average total loans | $59,613,000 | 3,789 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 2,210 |
| Cost of funding earning assets | 0.0751% | 4,401 |
| Net interest margin | 3.2856% | 1,601 |
| Noninterest income to average assets | 0.6103% | 1,654 |
| Noninterest expense to average assets | 2.9879% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7091% | 3,024 |
| Return on assets (ROA) | 0.7091% | 3,008 |
| Pretax return on assets | 0.7091% | 3,364 |
| Return on Equity (ROE) | 7.4899% | 2,869 |
| Retained earnings to average equity (ytd only) | 0.7825% | 3,862 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8206% | 1,085 |
| Assets per employee ($millions) | 5.2433% | 3,550 |
| Cash dividends to net income (ytd only)* | 89.5522% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 1,961 |
| Loan loss allowance to noncurrent loans | 295.6364% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 2,210 |
| Noncurrent loans to loans | 0.4690% | 1,846 |
| Net loans and leases to total assets | 50.1244% | 3,160 |
| Net loans and leases to deposits | 54.8488% | 3,356 |
| Net loans and leases to core deposits | 54.8488% | 3,535 |
| Total domestic deposits to total assets | 91.3864% | 856 |
| Equity capital to assets | 8.4211% | 3,223 |
| Core capital (leverage) ratio | 10.0224% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6991% | 1,340 |
| Memoranda: | ||
| Average total assets | $113,390,000 | 3,882 |
| Average earning assets | $106,525,000 | 3,854 |
| Average equity | $10,734,500 | 3,979 |
| Average total loans | $59,043,000 | 3,804 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 2,249 |
| Cost of funding earning assets | 0.0840% | 4,507 |
| Net interest margin | 3.5677% | 1,557 |
| Noninterest income to average assets | 1.1328% | 820 |
| Noninterest expense to average assets | 3.1544% | 782 |
| Loan and lease loss provision to assets | 0.0166% | 2,744 |
| Net operating income to assets | 1.3253% | 1,532 |
| Return on assets (ROA) | 1.3253% | 1,574 |
| Pretax return on assets | 1.3253% | 2,281 |
| Return on Equity (ROE) | 12.0606% | 1,796 |
| Retained earnings to average equity (ytd only) | 2.0031% | 3,980 |
| Net charge-offs to loans | 0.3596% | 234 |
| Credit loss provision to net charge-offs | 7.8603% | 2,311 |
| Earnings coverage of net charge-offs (x) | 6.3624% | 2,403 |
| Efficiency ratio | 70.1557% | 1,712 |
| Assets per employee ($millions) | 4.8447% | 3,852 |
| Cash dividends to net income (ytd only)* | 83.3912% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,062 |
| Loan loss allowance to noncurrent loans | 269.2053% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 2,195 |
| Noncurrent loans to loans | 0.5080% | 1,853 |
| Net loans and leases to total assets | 52.6264% | 2,996 |
| Net loans and leases to deposits | 59.1093% | 3,157 |
| Net loans and leases to core deposits | 59.1093% | 3,383 |
| Total domestic deposits to total assets | 89.0323% | 1,499 |
| Equity capital to assets | 10.5495% | 2,125 |
| Core capital (leverage) ratio | 10.2717% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7225% | 1,333 |
| Memoranda: | ||
| Average total assets | $108,578,800 | 3,911 |
| Average earning assets | $102,363,000 | 3,882 |
| Average equity | $11,931,400 | 3,939 |
| Average total loans | $63,682,000 | 3,765 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6951% | 2,289 |
| Cost of funding earning assets | 0.0838% | 4,618 |
| Net interest margin | 3.6113% | 1,574 |
| Noninterest income to average assets | 1.2521% | 738 |
| Noninterest expense to average assets | 3.1124% | 805 |
| Loan and lease loss provision to assets | 0.0222% | 2,550 |
| Net operating income to assets | 1.5253% | 1,210 |
| Return on assets (ROA) | 1.5253% | 1,252 |
| Pretax return on assets | 1.5253% | 1,919 |
| Return on Equity (ROE) | 13.7388% | 1,473 |
| Retained earnings to average equity (ytd only) | 2.7166% | 3,998 |
| Net charge-offs to loans | -0.0535% | 4,390 |
| Credit loss provision to net charge-offs | -69.2308% | 3,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7905% | 1,994 |
| Assets per employee ($millions) | 4.8834% | 3,811 |
| Cash dividends to net income (ytd only)* | 80.2269% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 1,121 |
| Loan loss allowance to noncurrent loans | 4,854.5455% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,065 |
| Noncurrent loans to loans | 0.0349% | 3,958 |
| Net loans and leases to total assets | 55.2017% | 2,824 |
| Net loans and leases to deposits | 62.0454% | 3,032 |
| Net loans and leases to core deposits | 62.0454% | 3,319 |
| Total domestic deposits to total assets | 88.9698% | 1,293 |
| Equity capital to assets | 10.6580% | 2,311 |
| Core capital (leverage) ratio | 10.3231% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7759% | 1,397 |
| Memoranda: | ||
| Average total assets | $107,866,750 | 3,963 |
| Average earning assets | $101,789,750 | 3,935 |
| Average equity | $11,975,500 | 3,987 |
| Average total loans | $64,739,250 | 3,799 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 1,993 |
| Cost of funding earning assets | 0.0856% | 4,663 |
| Net interest margin | 3.7460% | 1,227 |
| Noninterest income to average assets | 1.3367% | 664 |
| Noninterest expense to average assets | 3.0738% | 873 |
| Loan and lease loss provision to assets | 0.0226% | 2,520 |
| Net operating income to assets | 1.7766% | 753 |
| Return on assets (ROA) | 1.7766% | 793 |
| Pretax return on assets | 1.7766% | 1,286 |
| Return on Equity (ROE) | 15.7802% | 998 |
| Retained earnings to average equity (ytd only) | 3.4232% | 3,708 |
| Net charge-offs to loans | -0.0184% | 3,957 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0787% | 2,559 |
| Assets per employee ($millions) | 4.7712% | 3,863 |
| Cash dividends to net income (ytd only)* | 78.3069% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 58.3207% | 2,624 |
| Net loans and leases to deposits | 65.7435% | 2,846 |
| Net loans and leases to core deposits | 65.7435% | 3,137 |
| Total domestic deposits to total assets | 88.7095% | 1,446 |
| Equity capital to assets | 10.9488% | 2,022 |
| Core capital (leverage) ratio | 10.4475% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7228% | 1,407 |
| Memoranda: | ||
| Average total assets | $106,382,667 | 3,996 |
| Average earning assets | $100,427,333 | 3,970 |
| Average equity | $11,977,000 | 3,990 |
| Average total loans | $65,295,667 | 3,809 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 1,779 |
| Cost of funding earning assets | 0.0849% | 4,726 |
| Net interest margin | 3.8364% | 1,079 |
| Noninterest income to average assets | 1.4861% | 609 |
| Noninterest expense to average assets | 3.1288% | 806 |
| Loan and lease loss provision to assets | 0.0229% | 2,484 |
| Net operating income to assets | 1.9598% | 603 |
| Return on assets (ROA) | 1.9598% | 651 |
| Pretax return on assets | 1.9598% | 1,018 |
| Return on Equity (ROE) | 17.1601% | 825 |
| Retained earnings to average equity (ytd only) | 7.4594% | 2,430 |
| Net charge-offs to loans | -0.0367% | 4,269 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2108% | 2,878 |
| Assets per employee ($millions) | 4.9669% | 3,694 |
| Cash dividends to net income (ytd only)* | 56.5302% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,285 |
| Loan loss allowance to noncurrent loans | 1,883.6364% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,018 |
| Noncurrent loans to loans | 0.0852% | 3,880 |
| Net loans and leases to total assets | 58.1521% | 2,785 |
| Net loans and leases to deposits | 65.4722% | 2,979 |
| Net loans and leases to core deposits | 65.8194% | 3,259 |
| Total domestic deposits to total assets | 88.8196% | 1,431 |
| Equity capital to assets | 10.9433% | 1,903 |
| Core capital (leverage) ratio | 11.1628% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8781% | 1,337 |
| Memoranda: | ||
| Average total assets | $104,705,000 | 4,019 |
| Average earning assets | $98,946,000 | 3,989 |
| Average equity | $11,958,000 | 4,004 |
| Average total loans | $65,422,500 | 3,823 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 1,498 |
| Cost of funding earning assets | 0.1166% | 4,825 |
| Net interest margin | 4.3117% | 499 |
| Noninterest income to average assets | 1.7040% | 432 |
| Noninterest expense to average assets | 3.9543% | 395 |
| Loan and lease loss provision to assets | 0.3267% | 1,107 |
| Net operating income to assets | 1.4620% | 897 |
| Return on assets (ROA) | 1.4620% | 976 |
| Pretax return on assets | 1.4620% | 1,462 |
| Return on Equity (ROE) | 11.7701% | 1,388 |
| Retained earnings to average equity (ytd only) | 2.6299% | 3,539 |
| Net charge-offs to loans | -0.0092% | 4,247 |
| Credit loss provision to net charge-offs | -5,083.3333% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8549% | 2,117 |
| Assets per employee ($millions) | 4.1724% | 4,235 |
| Cash dividends to net income (ytd only)* | 77.6557% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,445 |
| Loan loss allowance to noncurrent loans | 189.6296% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 1,940 |
| Noncurrent loans to loans | 0.8149% | 1,716 |
| Net loans and leases to total assets | 65.1511% | 2,208 |
| Net loans and leases to deposits | 74.4497% | 2,442 |
| Net loans and leases to core deposits | 74.9036% | 2,827 |
| Total domestic deposits to total assets | 87.5102% | 1,702 |
| Equity capital to assets | 11.9415% | 1,602 |
| Core capital (leverage) ratio | 11.5178% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5056% | 1,399 |
| Memoranda: | ||
| Average total assets | $93,367,800 | 4,073 |
| Average earning assets | $87,458,800 | 4,062 |
| Average equity | $11,597,200 | 4,020 |
| Average total loans | $65,282,800 | 3,821 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,343 |
| Cost of funding earning assets | 0.1229% | 4,872 |
| Net interest margin | 4.4649% | 414 |
| Noninterest income to average assets | 1.6856% | 410 |
| Noninterest expense to average assets | 3.9646% | 390 |
| Loan and lease loss provision to assets | 0.3894% | 930 |
| Net operating income to assets | 1.5053% | 894 |
| Return on assets (ROA) | 1.5053% | 979 |
| Pretax return on assets | 1.5053% | 1,438 |
| Return on Equity (ROE) | 11.9924% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.6499% | 3,227 |
| Net charge-offs to loans | -0.0123% | 4,276 |
| Credit loss provision to net charge-offs | -4,466.6667% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6595% | 2,232 |
| Assets per employee ($millions) | 4.0645% | 4,272 |
| Cash dividends to net income (ytd only)* | 69.5652% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,118 |
| Noncurrent loans to loans | 0.0907% | 4,004 |
| Net loans and leases to total assets | 70.2215% | 1,913 |
| Net loans and leases to deposits | 80.6193% | 2,245 |
| Net loans and leases to core deposits | 81.1426% | 2,739 |
| Total domestic deposits to total assets | 87.1026% | 1,624 |
| Equity capital to assets | 12.2618% | 1,539 |
| Core capital (leverage) ratio | 11.6435% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8809% | 1,540 |
| Memoranda: | ||
| Average total assets | $91,675,250 | 4,105 |
| Average earning assets | $85,704,250 | 4,089 |
| Average equity | $11,507,000 | 4,034 |
| Average total loans | $65,037,250 | 3,846 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,285 |
| Cost of funding earning assets | 0.1265% | 4,929 |
| Net interest margin | 4.6205% | 401 |
| Noninterest income to average assets | 1.3710% | 552 |
| Noninterest expense to average assets | 4.0817% | 378 |
| Loan and lease loss provision to assets | 0.5462% | 618 |
| Net operating income to assets | 1.0589% | 2,107 |
| Return on assets (ROA) | 1.0589% | 2,243 |
| Pretax return on assets | 1.0589% | 2,841 |
| Return on Equity (ROE) | 8.3659% | 2,607 |
| Retained earnings to average equity (ytd only) | 1.6732% | 3,882 |
| Net charge-offs to loans | -0.0157% | 4,339 |
| Credit loss provision to net charge-offs | -4,900.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7758% | 1,720 |
| Assets per employee ($millions) | 4.0024% | 4,314 |
| Cash dividends to net income (ytd only)* | 80.0000% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 1,488 |
| Loan loss allowance to noncurrent loans | 2,140.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,297 |
| Noncurrent loans to loans | 0.0667% | 4,203 |
| Net loans and leases to total assets | 69.1902% | 2,157 |
| Net loans and leases to deposits | 79.2753% | 2,515 |
| Net loans and leases to core deposits | 79.5228% | 2,983 |
| Total domestic deposits to total assets | 87.2784% | 1,509 |
| Equity capital to assets | 12.2000% | 1,538 |
| Core capital (leverage) ratio | 12.0447% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4132% | 1,382 |
| Memoranda: | ||
| Average total assets | $89,718,000 | 4,135 |
| Average earning assets | $83,801,000 | 4,114 |
| Average equity | $11,355,667 | 4,065 |
| Average total loans | $63,554,333 | 3,882 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 1,445 |
| Cost of funding earning assets | 0.1338% | 4,996 |
| Net interest margin | 4.6579% | 371 |
| Noninterest income to average assets | 1.0584% | 763 |
| Noninterest expense to average assets | 4.2473% | 394 |
| Loan and lease loss provision to assets | 0.1155% | 2,238 |
| Net operating income to assets | 1.0399% | 2,038 |
| Return on assets (ROA) | 1.0399% | 2,136 |
| Pretax return on assets | 1.0399% | 2,702 |
| Return on Equity (ROE) | 8.0544% | 2,497 |
| Retained earnings to average equity (ytd only) | 0.8949% | 3,772 |
| Net charge-offs to loans | -0.0260% | 4,418 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6142% | 1,272 |
| Assets per employee ($millions) | 3.7991% | 4,170 |
| Cash dividends to net income (ytd only)* | 88.8889% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,725 |
| Loan loss allowance to noncurrent loans | 963.6364% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,167 |
| Noncurrent loans to loans | 0.1235% | 4,027 |
| Net loans and leases to total assets | 70.5093% | 2,168 |
| Net loans and leases to deposits | 80.9904% | 2,581 |
| Net loans and leases to core deposits | 81.7252% | 3,040 |
| Total domestic deposits to total assets | 87.0588% | 1,530 |
| Equity capital to assets | 12.5841% | 1,683 |
| Core capital (leverage) ratio | 12.6837% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4025% | 1,253 |
| Memoranda: | ||
| Average total assets | $86,548,500 | 4,177 |
| Average earning assets | $80,722,500 | 4,159 |
| Average equity | $11,174,000 | 4,101 |
| Average total loans | $61,619,000 | 3,929 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 1,535 |
| Cost of funding earning assets | 0.1085% | 5,093 |
| Net interest margin | 4.8696% | 350 |
| Noninterest income to average assets | 0.8870% | 1,200 |
| Noninterest expense to average assets | 3.9213% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5242% | 997 |
| Return on assets (ROA) | 1.5510% | 996 |
| Pretax return on assets | 1.5510% | 1,648 |
| Return on Equity (ROE) | 12.0509% | 1,493 |
| Retained earnings to average equity (ytd only) | 2.3485% | 3,849 |
| Net charge-offs to loans | -0.0117% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0103% | 1,866 |
| Assets per employee ($millions) | 3.7268% | 4,237 |
| Cash dividends to net income (ytd only)* | 80.5117% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.1984% | 2,369 |
| Net loans and leases to deposits | 81.5715% | 2,608 |
| Net loans and leases to core deposits | 81.8667% | 3,136 |
| Total domestic deposits to total assets | 86.0576% | 2,044 |
| Equity capital to assets | 13.2436% | 1,397 |
| Core capital (leverage) ratio | 12.7333% | 1,358 |
| Tier 1 risk-based capital ratio | 16.8482% | 2,104 |
| Total risk-based capital ratio | 17.9438% | 2,091 |
| Memoranda: | ||
| Average total assets | $85,686,800 | 4,207 |
| Average earning assets | $80,212,400 | 4,185 |
| Average equity | $11,028,200 | 4,125 |
| Average total loans | $60,024,000 | 3,982 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 1,514 |
| Cost of funding earning assets | 0.1046% | 5,175 |
| Net interest margin | 4.9028% | 340 |
| Noninterest income to average assets | 0.8528% | 1,263 |
| Noninterest expense to average assets | 3.8873% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5593% | 1,033 |
| Return on assets (ROA) | 1.5951% | 987 |
| Pretax return on assets | 1.5951% | 1,654 |
| Return on Equity (ROE) | 12.4838% | 1,452 |
| Retained earnings to average equity (ytd only) | 2.7403% | 3,995 |
| Net charge-offs to loans | -0.0112% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3714% | 1,915 |
| Assets per employee ($millions) | 3.7534% | 4,214 |
| Cash dividends to net income (ytd only)* | 78.0489% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.2648% | 1,950 |
| Net loans and leases to deposits | 85.5524% | 2,255 |
| Net loans and leases to core deposits | 85.8648% | 2,916 |
| Total domestic deposits to total assets | 85.6373% | 2,144 |
| Equity capital to assets | 13.1626% | 1,534 |
| Core capital (leverage) ratio | 12.6648% | 1,497 |
| Tier 1 risk-based capital ratio | 15.8344% | 2,501 |
| Total risk-based capital ratio | 16.8644% | 2,533 |
| Memoranda: | ||
| Average total assets | $85,679,250 | 4,260 |
| Average earning assets | $80,279,000 | 4,235 |
| Average equity | $10,947,250 | 4,169 |
| Average total loans | $59,808,750 | 4,033 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,628 |
| Cost of funding earning assets | 0.0874% | 5,238 |
| Net interest margin | 4.8575% | 367 |
| Noninterest income to average assets | 0.8097% | 1,318 |
| Noninterest expense to average assets | 3.8449% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5164% | 1,104 |
| Return on assets (ROA) | 1.5164% | 1,152 |
| Pretax return on assets | 1.5164% | 1,808 |
| Return on Equity (ROE) | 11.9904% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.1834% | 4,056 |
| Net charge-offs to loans | -0.0137% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7154% | 1,958 |
| Assets per employee ($millions) | 3.5868% | 4,391 |
| Cash dividends to net income (ytd only)* | 81.7901% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.3149% | 2,626 |
| Net loans and leases to deposits | 80.0174% | 2,950 |
| Net loans and leases to core deposits | 80.3104% | 3,394 |
| Total domestic deposits to total assets | 86.6247% | 1,764 |
| Equity capital to assets | 12.9118% | 1,630 |
| Core capital (leverage) ratio | 12.5764% | 1,495 |
| Tier 1 risk-based capital ratio | 16.1999% | 2,326 |
| Total risk-based capital ratio | 17.2627% | 2,348 |
| Memoranda: | ||
| Average total assets | $85,463,000 | 4,292 |
| Average earning assets | $80,082,670 | 4,262 |
| Average equity | $10,808,670 | 4,198 |
| Average total loans | $58,425,330 | 4,081 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,601 |
| Cost of funding earning assets | 0.0852% | 5,298 |
| Net interest margin | 4.8121% | 399 |
| Noninterest income to average assets | 0.7610% | 1,393 |
| Noninterest expense to average assets | 3.6687% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6018% | 889 |
| Return on assets (ROA) | 1.6018% | 920 |
| Pretax return on assets | 1.6018% | 1,466 |
| Return on Equity (ROE) | 12.8009% | 1,284 |
| Retained earnings to average equity (ytd only) | 3.4161% | 3,551 |
| Net charge-offs to loans | -0.0139% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6078% | 2,407 |
| Assets per employee ($millions) | 3.9006% | 4,064 |
| Cash dividends to net income (ytd only)* | 73.3138% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,454 |
| Loan loss allowance to noncurrent loans | 1,573.3333% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,564 |
| Noncurrent loans to loans | 0.0778% | 4,414 |
| Net loans and leases to total assets | 66.5719% | 2,965 |
| Net loans and leases to deposits | 76.4827% | 3,217 |
| Net loans and leases to core deposits | 76.7653% | 3,611 |
| Total domestic deposits to total assets | 87.0417% | 1,795 |
| Equity capital to assets | 12.6320% | 1,668 |
| Core capital (leverage) ratio | 12.6635% | 1,424 |
| Tier 1 risk-based capital ratio | 16.6749% | 2,204 |
| Total risk-based capital ratio | 17.7684% | 2,211 |
| Memoranda: | ||
| Average total assets | $85,152,500 | 4,339 |
| Average earning assets | $79,799,500 | 4,308 |
| Average equity | $10,655,500 | 4,246 |
| Average total loans | $57,448,500 | 4,142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5530% | 2,282 |
| Cost of funding earning assets | 0.0796% | 5,328 |
| Net interest margin | 4.4734% | 804 |
| Noninterest income to average assets | 0.9681% | 1,015 |
| Noninterest expense to average assets | 3.7770% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3912% | 1,460 |
| Return on assets (ROA) | 1.3912% | 1,456 |
| Pretax return on assets | 1.3912% | 2,163 |
| Return on Equity (ROE) | 11.6507% | 1,844 |
| Retained earnings to average equity (ytd only) | 2.0220% | 4,348 |
| Net charge-offs to loans | -0.0054% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0812% | 1,752 |
| Assets per employee ($millions) | 3.8405% | 4,114 |
| Cash dividends to net income (ytd only)* | 82.6446% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,365 |
| Loan loss allowance to noncurrent loans | 6,418.1818% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,836 |
| Noncurrent loans to loans | 0.0193% | 4,704 |
| Net loans and leases to total assets | 66.6994% | 3,040 |
| Net loans and leases to deposits | 76.6912% | 3,300 |
| Net loans and leases to core deposits | 76.9824% | 3,642 |
| Total domestic deposits to total assets | 86.9714% | 1,796 |
| Equity capital to assets | 12.3930% | 1,640 |
| Core capital (leverage) ratio | 12.4027% | 1,513 |
| Tier 1 risk-based capital ratio | 16.4520% | 2,256 |
| Total risk-based capital ratio | 17.5370% | 2,260 |
| Memoranda: | ||
| Average total assets | $86,973,200 | 4,317 |
| Average earning assets | $81,660,800 | 4,294 |
| Average equity | $10,385,600 | 4,250 |
| Average total loans | $55,194,600 | 4,204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 2,433 |
| Cost of funding earning assets | 0.0794% | 5,393 |
| Net interest margin | 4.3804% | 941 |
| Noninterest income to average assets | 1.0107% | 942 |
| Noninterest expense to average assets | 3.5755% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5511% | 1,063 |
| Return on assets (ROA) | 1.5511% | 1,063 |
| Pretax return on assets | 1.5511% | 1,729 |
| Return on Equity (ROE) | 13.1088% | 1,387 |
| Retained earnings to average equity (ytd only) | 3.1390% | 4,178 |
| Net charge-offs to loans | -0.0024% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7447% | 2,240 |
| Assets per employee ($millions) | 3.9965% | 3,893 |
| Cash dividends to net income (ytd only)* | 76.0553% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.0692% | 3,533 |
| Net loans and leases to deposits | 71.8238% | 3,785 |
| Net loans and leases to core deposits | 72.0852% | 4,078 |
| Total domestic deposits to total assets | 87.8111% | 1,332 |
| Equity capital to assets | 11.7192% | 2,088 |
| Core capital (leverage) ratio | 12.2688% | 1,639 |
| Tier 1 risk-based capital ratio | 16.9038% | 2,133 |
| Total risk-based capital ratio | 18.0118% | 2,129 |
| Memoranda: | ||
| Average total assets | $87,593,750 | 4,357 |
| Average earning assets | $82,303,500 | 4,319 |
| Average equity | $10,364,250 | 4,294 |
| Average total loans | $54,728,000 | 4,257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,429 |
| Cost of funding earning assets | 0.0754% | 5,452 |
| Net interest margin | 4.3208% | 999 |
| Noninterest income to average assets | 1.0379% | 896 |
| Noninterest expense to average assets | 3.5435% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5546% | 1,025 |
| Return on assets (ROA) | 1.5546% | 1,029 |
| Pretax return on assets | 1.5546% | 1,646 |
| Return on Equity (ROE) | 13.0967% | 1,342 |
| Retained earnings to average equity (ytd only) | 2.0223% | 4,446 |
| Net charge-offs to loans | 0.0074% | 2,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 270 |
| Efficiency ratio | 69.5067% | 2,391 |
| Assets per employee ($millions) | 4.0419% | 3,826 |
| Cash dividends to net income (ytd only)* | 84.5588% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,240 |
| Loan loss allowance to noncurrent loans | 1,149.1803% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,639 |
| Noncurrent loans to loans | 0.1118% | 4,408 |
| Net loans and leases to total assets | 60.5627% | 3,755 |
| Net loans and leases to deposits | 68.7892% | 3,960 |
| Net loans and leases to core deposits | 69.0388% | 4,201 |
| Total domestic deposits to total assets | 88.0411% | 1,360 |
| Equity capital to assets | 11.6024% | 2,126 |
| Core capital (leverage) ratio | 12.0809% | 1,664 |
| Tier 1 risk-based capital ratio | 17.1614% | 2,045 |
| Total risk-based capital ratio | 18.2962% | 2,030 |
| Memoranda: | ||
| Average total assets | $87,483,670 | 4,389 |
| Average earning assets | $82,206,330 | 4,359 |
| Average equity | $10,384,330 | 4,324 |
| Average total loans | $54,251,670 | 4,298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 2,140 |
| Cost of funding earning assets | 0.0736% | 5,513 |
| Net interest margin | 4.3428% | 873 |
| Noninterest income to average assets | 0.9866% | 940 |
| Noninterest expense to average assets | 3.5544% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5121% | 1,055 |
| Return on assets (ROA) | 1.5121% | 1,055 |
| Pretax return on assets | 1.5121% | 1,656 |
| Return on Equity (ROE) | 12.5936% | 1,380 |
| Retained earnings to average equity (ytd only) | 3.9547% | 3,607 |
| Net charge-offs to loans | -0.0296% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1547% | 2,464 |
| Assets per employee ($millions) | 3.8549% | 4,207 |
| Cash dividends to net income (ytd only)* | 68.5976% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,298 |
| Loan loss allowance to noncurrent loans | 2,828.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,971 |
| Noncurrent loans to loans | 0.0456% | 4,769 |
| Net loans and leases to total assets | 61.0758% | 3,640 |
| Net loans and leases to deposits | 69.3355% | 3,842 |
| Net loans and leases to core deposits | 69.5903% | 4,105 |
| Total domestic deposits to total assets | 88.0873% | 1,570 |
| Equity capital to assets | 11.6747% | 2,008 |
| Core capital (leverage) ratio | 12.2228% | 1,513 |
| Tier 1 risk-based capital ratio | 17.1333% | 2,084 |
| Total risk-based capital ratio | 18.2763% | 2,064 |
| Memoranda: | ||
| Average total assets | $86,765,000 | 4,451 |
| Average earning assets | $81,514,500 | 4,416 |
| Average equity | $10,418,000 | 4,365 |
| Average total loans | $54,100,500 | 4,345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 1,960 |
| Cost of funding earning assets | 0.0821% | 5,544 |
| Net interest margin | 4.3426% | 879 |
| Noninterest income to average assets | 0.9208% | 1,212 |
| Noninterest expense to average assets | 3.4356% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3591% | 1,099 |
| Return on assets (ROA) | 1.3626% | 1,114 |
| Pretax return on assets | 1.3626% | 2,117 |
| Return on Equity (ROE) | 11.1645% | 1,413 |
| Retained earnings to average equity (ytd only) | 2.5911% | 3,770 |
| Net charge-offs to loans | -0.0277% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6537% | 2,283 |
| Assets per employee ($millions) | 3.6899% | 4,445 |
| Cash dividends to net income (ytd only)* | 76.7918% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,128 |
| Loan loss allowance to noncurrent loans | 2,812.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,997 |
| Noncurrent loans to loans | 0.0469% | 4,787 |
| Net loans and leases to total assets | 62.0257% | 3,618 |
| Net loans and leases to deposits | 71.1909% | 3,776 |
| Net loans and leases to core deposits | 71.4703% | 4,085 |
| Total domestic deposits to total assets | 87.1259% | 1,934 |
| Equity capital to assets | 12.3545% | 1,602 |
| Core capital (leverage) ratio | 12.3975% | 1,404 |
| Tier 1 risk-based capital ratio | 17.6223% | 1,913 |
| Total risk-based capital ratio | 18.8026% | 1,882 |
| Memoranda: | ||
| Average total assets | $86,010,000 | 4,485 |
| Average earning assets | $76,728,200 | 4,527 |
| Average equity | $10,497,600 | 4,378 |
| Average total loans | $54,154,800 | 4,358 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,869 |
| Cost of funding earning assets | 0.0842% | 5,608 |
| Net interest margin | 4.3423% | 831 |
| Noninterest income to average assets | 0.9023% | 1,265 |
| Noninterest expense to average assets | 3.3759% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3504% | 1,197 |
| Return on assets (ROA) | 1.3550% | 1,213 |
| Pretax return on assets | 1.3550% | 2,260 |
| Return on Equity (ROE) | 11.1354% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.7868% | 3,027 |
| Net charge-offs to loans | 0.0270% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 79.4342% | 817 |
| Efficiency ratio | 71.4286% | 2,298 |
| Assets per employee ($millions) | 3.9026% | 4,156 |
| Cash dividends to net income (ytd only)* | 57.0127% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,775 |
| Loan loss allowance to noncurrent loans | 995.5882% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,842 |
| Noncurrent loans to loans | 0.1230% | 4,568 |
| Net loans and leases to total assets | 63.6074% | 3,471 |
| Net loans and leases to deposits | 73.1388% | 3,652 |
| Net loans and leases to core deposits | 73.4259% | 4,027 |
| Total domestic deposits to total assets | 86.9680% | 1,882 |
| Equity capital to assets | 12.5335% | 1,644 |
| Core capital (leverage) ratio | 12.3500% | 1,485 |
| Tier 1 risk-based capital ratio | 17.3225% | 2,059 |
| Total risk-based capital ratio | 18.4289% | 2,058 |
| Memoranda: | ||
| Average total assets | $86,295,500 | 4,524 |
| Average earning assets | $75,994,500 | 4,583 |
| Average equity | $10,500,750 | 4,420 |
| Average total loans | $54,357,750 | 4,383 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,075 |
| Cost of funding earning assets | 0.0924% | 5,623 |
| Net interest margin | 4.2233% | 1,029 |
| Noninterest income to average assets | 0.8792% | 1,332 |
| Noninterest expense to average assets | 3.3294% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2494% | 1,441 |
| Return on assets (ROA) | 1.2494% | 1,467 |
| Pretax return on assets | 1.2494% | 2,582 |
| Return on Equity (ROE) | 10.3707% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.0495% | 2,083 |
| Net charge-offs to loans | 0.0518% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 1,281 |
| Efficiency ratio | 72.7135% | 2,231 |
| Assets per employee ($millions) | 3.6484% | 4,512 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,723 |
| Loan loss allowance to noncurrent loans | 607.2072% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,685 |
| Noncurrent loans to loans | 0.2050% | 4,301 |
| Net loans and leases to total assets | 61.0619% | 3,742 |
| Net loans and leases to deposits | 69.8769% | 3,922 |
| Net loans and leases to core deposits | 70.1464% | 4,214 |
| Total domestic deposits to total assets | 87.3849% | 1,770 |
| Equity capital to assets | 12.2382% | 1,766 |
| Core capital (leverage) ratio | 12.1983% | 1,537 |
| Tier 1 risk-based capital ratio | 17.5442% | 1,993 |
| Total risk-based capital ratio | 18.6662% | 1,992 |
| Memoranda: | ||
| Average total assets | $86,441,330 | 4,553 |
| Average earning assets | $75,723,670 | 4,618 |
| Average equity | $10,414,000 | 4,448 |
| Average total loans | $54,047,330 | 4,418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 1,891 |
| Cost of funding earning assets | 0.1027% | 5,640 |
| Net interest margin | 4.2224% | 941 |
| Noninterest income to average assets | 0.8896% | 1,277 |
| Noninterest expense to average assets | 3.2464% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2808% | 1,294 |
| Return on assets (ROA) | 1.2808% | 1,328 |
| Pretax return on assets | 1.2808% | 2,301 |
| Return on Equity (ROE) | 10.7181% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.7181% | 659 |
| Net charge-offs to loans | -0.0148% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7078% | 2,624 |
| Assets per employee ($millions) | 3.7890% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,584 |
| Loan loss allowance to noncurrent loans | 784.0909% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,807 |
| Noncurrent loans to loans | 0.1646% | 4,523 |
| Net loans and leases to total assets | 60.5421% | 3,726 |
| Net loans and leases to deposits | 68.9944% | 3,896 |
| Net loans and leases to core deposits | 69.4979% | 4,183 |
| Total domestic deposits to total assets | 87.7493% | 1,863 |
| Equity capital to assets | 11.9765% | 1,864 |
| Core capital (leverage) ratio | 12.3254% | 1,433 |
| Tier 1 risk-based capital ratio | 17.3695% | 2,077 |
| Total risk-based capital ratio | 18.5110% | 2,054 |
| Memoranda: | ||
| Average total assets | $85,881,000 | 4,603 |
| Average earning assets | $73,986,500 | 4,707 |
| Average equity | $10,263,000 | 4,502 |
| Average total loans | $54,000,500 | 4,455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5639% | 1,375 |
| Cost of funding earning assets | 0.1460% | 5,446 |
| Net interest margin | 4.4180% | 745 |
| Noninterest income to average assets | 0.9968% | 1,160 |
| Noninterest expense to average assets | 3.4111% | 1,332 |
| Loan and lease loss provision to assets | -0.2390% | 5,806 |
| Net operating income to assets | 1.6589% | 596 |
| Return on assets (ROA) | 1.6589% | 623 |
| Pretax return on assets | 1.6589% | 1,107 |
| Return on Equity (ROE) | 13.5085% | 874 |
| Retained earnings to average equity (ytd only) | 4.7494% | 2,511 |
| Net charge-offs to loans | -0.0088% | 4,909 |
| Credit loss provision to net charge-offs | 4,000.0000% | 110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6086% | 2,810 |
| Assets per employee ($millions) | 3.5257% | 4,723 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,752 |
| Loan loss allowance to noncurrent loans | 182.4934% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 3,420 |
| Noncurrent loans to loans | 0.6911% | 2,808 |
| Net loans and leases to total assets | 63.6558% | 3,401 |
| Net loans and leases to deposits | 72.5340% | 3,655 |
| Net loans and leases to core deposits | 73.4419% | 3,965 |
| Total domestic deposits to total assets | 87.7600% | 1,763 |
| Equity capital to assets | 11.9233% | 1,862 |
| Core capital (leverage) ratio | 12.0758% | 1,556 |
| Tier 1 risk-based capital ratio | 16.7442% | 2,254 |
| Total risk-based capital ratio | 17.8709% | 2,241 |
| Memoranda: | ||
| Average total assets | $83,668,200 | 4,657 |
| Average earning assets | $72,612,600 | 4,745 |
| Average equity | $10,275,000 | 4,524 |
| Average total loans | $56,831,400 | 4,384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,291 |
| Cost of funding earning assets | 0.1562% | 5,446 |
| Net interest margin | 4.4441% | 708 |
| Noninterest income to average assets | 1.0356% | 1,060 |
| Noninterest expense to average assets | 3.4263% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4750% | 922 |
| Return on assets (ROA) | 1.4750% | 967 |
| Pretax return on assets | 1.4750% | 1,791 |
| Return on Equity (ROE) | 11.9231% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.1101% | 2,123 |
| Net charge-offs to loans | -0.0093% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9054% | 2,899 |
| Assets per employee ($millions) | 2.9474% | 5,431 |
| Cash dividends to net income (ytd only)* | 48.7543% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,598 |
| Loan loss allowance to noncurrent loans | 914.4330% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,916 |
| Noncurrent loans to loans | 0.1701% | 4,676 |
| Net loans and leases to total assets | 65.6828% | 3,172 |
| Net loans and leases to deposits | 75.2971% | 3,470 |
| Net loans and leases to core deposits | 76.2377% | 3,810 |
| Total domestic deposits to total assets | 87.2315% | 1,785 |
| Equity capital to assets | 12.3263% | 1,880 |
| Core capital (leverage) ratio | 12.2133% | 1,536 |
| Tier 1 risk-based capital ratio | 16.2215% | 2,536 |
| Total risk-based capital ratio | 17.4737% | 2,489 |
| Memoranda: | ||
| Average total assets | $83,431,250 | 4,697 |
| Average earning assets | $72,574,000 | 4,784 |
| Average equity | $10,321,500 | 4,563 |
| Average total loans | $57,401,500 | 4,394 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 1,088 |
| Cost of funding earning assets | 0.1673% | 5,436 |
| Net interest margin | 4.5158% | 596 |
| Noninterest income to average assets | 1.1988% | 787 |
| Noninterest expense to average assets | 3.4393% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6749% | 609 |
| Return on assets (ROA) | 1.6749% | 649 |
| Pretax return on assets | 1.6749% | 1,158 |
| Return on Equity (ROE) | 13.5220% | 922 |
| Retained earnings to average equity (ytd only) | 10.5951% | 493 |
| Net charge-offs to loans | -0.0139% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2495% | 3,492 |
| Assets per employee ($millions) | 3.9976% | 3,906 |
| Cash dividends to net income (ytd only)* | 21.6450% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 1,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 2,725 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.6272% | 3,134 |
| Net loans and leases to deposits | 75.4537% | 3,442 |
| Net loans and leases to core deposits | 76.4260% | 3,787 |
| Total domestic deposits to total assets | 86.9768% | 1,928 |
| Equity capital to assets | 12.6278% | 1,700 |
| Core capital (leverage) ratio | 12.4044% | 1,404 |
| Tier 1 risk-based capital ratio | 16.5085% | 2,424 |
| Total risk-based capital ratio | 17.7612% | 2,370 |
| Memoranda: | ||
| Average total assets | $82,749,670 | 4,749 |
| Average earning assets | $71,748,670 | 4,845 |
| Average equity | $10,250,000 | 4,602 |
| Average total loans | $57,525,330 | 4,420 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,088 |
| Cost of funding earning assets | 0.1960% | 5,241 |
| Net interest margin | 4.4858% | 622 |
| Noninterest income to average assets | 0.9787% | 1,126 |
| Noninterest expense to average assets | 3.4425% | 1,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4364% | 973 |
| Return on assets (ROA) | 1.4364% | 1,018 |
| Pretax return on assets | 1.4364% | 1,788 |
| Return on Equity (ROE) | 11.7127% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.7127% | 548 |
| Net charge-offs to loans | -0.0137% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5589% | 3,035 |
| Assets per employee ($millions) | 3.7694% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 2,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1263% | 1,965 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.1550% | 2,166 |
| Net loans and leases to deposits | 81.5349% | 2,601 |
| Net loans and leases to core deposits | 82.6125% | 3,075 |
| Total domestic deposits to total assets | 87.2694% | 2,066 |
| Equity capital to assets | 12.3833% | 1,762 |
| Core capital (leverage) ratio | 12.2938% | 1,438 |
| Tier 1 risk-based capital ratio | 15.3408% | 3,000 |
| Total risk-based capital ratio | 16.5920% | 2,943 |
| Memoranda: | ||
| Average total assets | $82,149,500 | 4,810 |
| Average earning assets | $71,426,000 | 4,888 |
| Average equity | $10,074,500 | 4,648 |
| Average total loans | $58,297,500 | 4,430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 885 |
| Cost of funding earning assets | 0.3099% | 4,144 |
| Net interest margin | 4.5138% | 635 |
| Noninterest income to average assets | 0.8359% | 1,654 |
| Noninterest expense to average assets | 3.6177% | 1,096 |
| Loan and lease loss provision to assets | -0.7441% | 6,158 |
| Net operating income to assets | 1.9000% | 405 |
| Return on assets (ROA) | 1.9000% | 416 |
| Pretax return on assets | 1.9000% | 656 |
| Return on Equity (ROE) | 16.1222% | 546 |
| Retained earnings to average equity (ytd only) | 7.7033% | 1,015 |
| Net charge-offs to loans | -0.5815% | 6,099 |
| Credit loss provision to net charge-offs | 183.4862% | 1,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7859% | 2,308 |
| Assets per employee ($millions) | 3.5380% | 4,751 |
| Cash dividends to net income (ytd only)* | 52.2193% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 1,772 |
| Loan loss allowance to noncurrent loans | 929.4737% | 632 |
| Noncurrent assets plus other real estate owned to assets | 1.3481% | 1,560 |
| Noncurrent loans to loans | 0.1675% | 4,820 |
| Net loans and leases to total assets | 68.5989% | 2,613 |
| Net loans and leases to deposits | 78.4686% | 2,997 |
| Net loans and leases to core deposits | 79.8275% | 3,369 |
| Total domestic deposits to total assets | 87.4221% | 1,914 |
| Equity capital to assets | 12.1416% | 1,853 |
| Core capital (leverage) ratio | 12.0791% | 1,574 |
| Tier 1 risk-based capital ratio | 15.6845% | 2,842 |
| Total risk-based capital ratio | 16.9362% | 2,774 |
| Memoranda: | ||
| Average total assets | $80,631,400 | 4,855 |
| Average earning assets | $70,340,400 | 4,931 |
| Average equity | $9,502,400 | 4,747 |
| Average total loans | $56,236,600 | 4,496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 1,340 |
| Cost of funding earning assets | 0.3283% | 4,009 |
| Net interest margin | 4.2677% | 1,025 |
| Noninterest income to average assets | 1.0011% | 1,181 |
| Noninterest expense to average assets | 3.7142% | 957 |
| Loan and lease loss provision to assets | -0.6630% | 6,235 |
| Net operating income to assets | 1.6773% | 654 |
| Return on assets (ROA) | 1.6773% | 678 |
| Pretax return on assets | 1.6773% | 1,170 |
| Return on Equity (ROE) | 14.3420% | 833 |
| Retained earnings to average equity (ytd only) | 7.2561% | 1,568 |
| Net charge-offs to loans | 0.0641% | 2,667 |
| Credit loss provision to net charge-offs | -1,481.4815% | 5,549 |
| Earnings coverage of net charge-offs (x) | 22.6661% | 1,769 |
| Efficiency ratio | 78.5489% | 1,883 |
| Assets per employee ($millions) | 3.3552% | 5,049 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 3,034 |
| Loan loss allowance to noncurrent loans | 96.0474% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.6650% | 617 |
| Noncurrent loans to loans | 1.3642% | 1,879 |
| Net loans and leases to total assets | 68.1859% | 2,651 |
| Net loans and leases to deposits | 77.8996% | 3,107 |
| Net loans and leases to core deposits | 79.2855% | 3,481 |
| Total domestic deposits to total assets | 87.5304% | 1,792 |
| Equity capital to assets | 12.0213% | 2,085 |
| Core capital (leverage) ratio | 11.7489% | 1,859 |
| Tier 1 risk-based capital ratio | 15.4605% | 3,069 |
| Total risk-based capital ratio | 16.6450% | 3,024 |
| Memoranda: | ||
| Average total assets | $80,446,000 | 4,919 |
| Average earning assets | $70,262,000 | 4,989 |
| Average equity | $9,408,000 | 4,823 |
| Average total loans | $56,119,750 | 4,535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,230 |
| Cost of funding earning assets | 0.3476% | 3,835 |
| Net interest margin | 4.2741% | 974 |
| Noninterest income to average assets | 1.0371% | 1,102 |
| Noninterest expense to average assets | 3.7230% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0445% | 2,161 |
| Return on assets (ROA) | 1.0445% | 2,273 |
| Pretax return on assets | 1.0445% | 3,397 |
| Return on Equity (ROE) | 9.0155% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.8689% | 1,757 |
| Net charge-offs to loans | -0.2026% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0908% | 2,056 |
| Assets per employee ($millions) | 3.6812% | 4,466 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2714% | 662 |
| Loan loss allowance to noncurrent loans | 98.1392% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 656 |
| Noncurrent loans to loans | 2.3144% | 1,012 |
| Net loans and leases to total assets | 64.4437% | 3,202 |
| Net loans and leases to deposits | 73.3226% | 3,575 |
| Net loans and leases to core deposits | 74.8827% | 3,870 |
| Total domestic deposits to total assets | 87.8906% | 1,703 |
| Equity capital to assets | 11.6253% | 2,315 |
| Core capital (leverage) ratio | 11.5600% | 1,952 |
| Tier 1 risk-based capital ratio | 15.6701% | 3,008 |
| Total risk-based capital ratio | 16.9292% | 2,961 |
| Memoranda: | ||
| Average total assets | $80,420,000 | 4,969 |
| Average earning assets | $70,190,670 | 5,033 |
| Average equity | $9,317,330 | 4,877 |
| Average total loans | $56,281,330 | 4,570 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,014 |
| Cost of funding earning assets | 0.3589% | 3,764 |
| Net interest margin | 4.3518% | 796 |
| Noninterest income to average assets | 0.9434% | 1,256 |
| Noninterest expense to average assets | 3.5390% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2179% | 1,496 |
| Return on assets (ROA) | 1.2179% | 1,589 |
| Pretax return on assets | 1.2179% | 2,595 |
| Return on Equity (ROE) | 10.5303% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.2146% | 2,371 |
| Net charge-offs to loans | -0.3812% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3966% | 2,744 |
| Assets per employee ($millions) | 3.5140% | 4,876 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1513% | 857 |
| Loan loss allowance to noncurrent loans | 94.0948% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 3.3914% | 502 |
| Noncurrent loans to loans | 2.2863% | 1,088 |
| Net loans and leases to total assets | 68.1506% | 2,412 |
| Net loans and leases to deposits | 77.4629% | 2,883 |
| Net loans and leases to core deposits | 78.8479% | 3,290 |
| Total domestic deposits to total assets | 87.9784% | 1,838 |
| Equity capital to assets | 11.6047% | 2,375 |
| Core capital (leverage) ratio | 11.3917% | 2,092 |
| Tier 1 risk-based capital ratio | 14.9139% | 3,476 |
| Total risk-based capital ratio | 16.1726% | 3,408 |
| Memoranda: | ||
| Average total assets | $80,136,500 | 5,019 |
| Average earning assets | $70,224,000 | 5,083 |
| Average equity | $9,268,500 | 4,925 |
| Average total loans | $57,720,000 | 4,555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 1,168 |
| Cost of funding earning assets | 0.4198% | 3,478 |
| Net interest margin | 4.3516% | 967 |
| Noninterest income to average assets | 1.0161% | 1,181 |
| Noninterest expense to average assets | 3.9760% | 773 |
| Loan and lease loss provision to assets | -0.0705% | 6,090 |
| Net operating income to assets | 0.8828% | 2,956 |
| Return on assets (ROA) | 0.8828% | 3,045 |
| Pretax return on assets | 0.8828% | 3,954 |
| Return on Equity (ROE) | 7.9569% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.9569% | 1,033 |
| Net charge-offs to loans | 0.6193% | 636 |
| Credit loss provision to net charge-offs | -16.0819% | 5,334 |
| Earnings coverage of net charge-offs (x) | 1.8538% | 4,320 |
| Efficiency ratio | 83.0345% | 1,515 |
| Assets per employee ($millions) | 3.6115% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 1,190 |
| Loan loss allowance to noncurrent loans | 83.4657% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.6500% | 496 |
| Noncurrent loans to loans | 2.3415% | 1,111 |
| Net loans and leases to total assets | 72.9912% | 1,757 |
| Net loans and leases to deposits | 83.0025% | 2,339 |
| Net loans and leases to core deposits | 84.5145% | 2,845 |
| Total domestic deposits to total assets | 87.9386% | 1,808 |
| Equity capital to assets | 11.5265% | 2,410 |
| Core capital (leverage) ratio | 11.4235% | 2,042 |
| Tier 1 risk-based capital ratio | 14.5654% | 3,739 |
| Total risk-based capital ratio | 15.8224% | 3,668 |
| Memoranda: | ||
| Average total assets | $78,043,200 | 5,107 |
| Average earning assets | $67,652,600 | 5,182 |
| Average equity | $8,659,200 | 5,051 |
| Average total loans | $55,221,200 | 4,640 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 1,233 |
| Cost of funding earning assets | 0.4332% | 3,432 |
| Net interest margin | 4.2983% | 1,053 |
| Noninterest income to average assets | 1.0331% | 1,151 |
| Noninterest expense to average assets | 4.0450% | 722 |
| Loan and lease loss provision to assets | -0.0944% | 6,260 |
| Net operating income to assets | 0.7774% | 3,524 |
| Return on assets (ROA) | 0.7774% | 3,632 |
| Pretax return on assets | 0.7774% | 4,439 |
| Return on Equity (ROE) | 7.0769% | 3,672 |
| Retained earnings to average equity (ytd only) | 7.0769% | 1,779 |
| Net charge-offs to loans | -0.1082% | 6,164 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5535% | 1,228 |
| Assets per employee ($millions) | 3.1168% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6923% | 492 |
| Loan loss allowance to noncurrent loans | 58.7652% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 5.1951% | 314 |
| Noncurrent loans to loans | 4.5814% | 423 |
| Net loans and leases to total assets | 71.5259% | 1,931 |
| Net loans and leases to deposits | 81.3051% | 2,514 |
| Net loans and leases to core deposits | 82.1270% | 3,093 |
| Total domestic deposits to total assets | 87.9723% | 1,786 |
| Equity capital to assets | 11.3540% | 2,626 |
| Core capital (leverage) ratio | 11.2483% | 2,264 |
| Tier 1 risk-based capital ratio | 14.7778% | 3,713 |
| Total risk-based capital ratio | 16.0438% | 3,645 |
| Memoranda: | ||
| Average total assets | $77,691,000 | 5,174 |
| Average earning assets | $66,783,750 | 5,266 |
| Average equity | $8,534,500 | 5,122 |
| Average total loans | $54,239,250 | 4,722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,302 |
| Cost of funding earning assets | 0.4519% | 3,306 |
| Net interest margin | 4.2372% | 1,160 |
| Noninterest income to average assets | 1.1235% | 937 |
| Noninterest expense to average assets | 4.0920% | 681 |
| Loan and lease loss provision to assets | -0.1417% | 6,419 |
| Net operating income to assets | 0.7730% | 3,454 |
| Return on assets (ROA) | 0.7730% | 3,554 |
| Pretax return on assets | 0.7730% | 4,372 |
| Return on Equity (ROE) | 7.1172% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.1172% | 1,711 |
| Net charge-offs to loans | -0.3682% | 6,474 |
| Credit loss provision to net charge-offs | 56.1224% | 2,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6339% | 1,205 |
| Assets per employee ($millions) | 3.2364% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8725% | 445 |
| Loan loss allowance to noncurrent loans | 58.7629% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 5.5373% | 302 |
| Noncurrent loans to loans | 4.8883% | 418 |
| Net loans and leases to total assets | 69.4772% | 2,163 |
| Net loans and leases to deposits | 78.7902% | 2,693 |
| Net loans and leases to core deposits | 79.3953% | 3,274 |
| Total domestic deposits to total assets | 88.1799% | 1,805 |
| Equity capital to assets | 11.1969% | 2,698 |
| Core capital (leverage) ratio | 11.1042% | 2,327 |
| Tier 1 risk-based capital ratio | 14.7988% | 3,755 |
| Total risk-based capital ratio | 16.0672% | 3,684 |
| Memoranda: | ||
| Average total assets | $77,614,670 | 5,212 |
| Average earning assets | $65,939,000 | 5,322 |
| Average equity | $8,430,330 | 5,172 |
| Average total loans | $53,227,330 | 4,776 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 1,336 |
| Cost of funding earning assets | 0.4782% | 3,137 |
| Net interest margin | 4.1858% | 1,257 |
| Noninterest income to average assets | 1.1394% | 858 |
| Noninterest expense to average assets | 4.1503% | 640 |
| Loan and lease loss provision to assets | 0.1134% | 2,063 |
| Net operating income to assets | 0.3506% | 5,308 |
| Return on assets (ROA) | 0.3506% | 5,367 |
| Pretax return on assets | 0.3506% | 5,594 |
| Return on Equity (ROE) | 3.2783% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.2783% | 4,153 |
| Net charge-offs to loans | -0.0154% | 5,218 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9441% | 1,041 |
| Assets per employee ($millions) | 3.3894% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1048% | 391 |
| Loan loss allowance to noncurrent loans | 54.3981% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 5.9649% | 285 |
| Noncurrent loans to loans | 5.7076% | 341 |
| Net loans and leases to total assets | 63.1318% | 3,049 |
| Net loans and leases to deposits | 71.1868% | 3,449 |
| Net loans and leases to core deposits | 71.7242% | 3,898 |
| Total domestic deposits to total assets | 88.6846% | 1,843 |
| Equity capital to assets | 10.7663% | 2,968 |
| Core capital (leverage) ratio | 10.7990% | 2,601 |
| Tier 1 risk-based capital ratio | 15.4740% | 3,449 |
| Total risk-based capital ratio | 16.7429% | 3,401 |
| Memoranda: | ||
| Average total assets | $77,585,500 | 5,265 |
| Average earning assets | $64,407,500 | 5,425 |
| Average equity | $8,297,000 | 5,216 |
| Average total loans | $52,060,500 | 4,864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,739 |
| Cost of funding earning assets | 0.5540% | 3,078 |
| Net interest margin | 3.8048% | 2,638 |
| Noninterest income to average assets | 1.0872% | 1,194 |
| Noninterest expense to average assets | 3.9566% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4452% | 4,975 |
| Return on assets (ROA) | 0.7698% | 3,538 |
| Pretax return on assets | 0.7698% | 4,264 |
| Return on Equity (ROE) | 7.5788% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.3909% | 1,748 |
| Net charge-offs to loans | 0.1448% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 3,374 |
| Efficiency ratio | 89.8849% | 1,029 |
| Assets per employee ($millions) | 3.2173% | 5,454 |
| Cash dividends to net income (ytd only)* | 15.6740% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9121% | 519 |
| Loan loss allowance to noncurrent loans | 57.9478% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 5.5831% | 374 |
| Noncurrent loans to loans | 5.0254% | 496 |
| Net loans and leases to total assets | 67.0543% | 2,511 |
| Net loans and leases to deposits | 75.5733% | 3,015 |
| Net loans and leases to core deposits | 75.8689% | 3,619 |
| Total domestic deposits to total assets | 88.7276% | 1,791 |
| Equity capital to assets | 10.6210% | 3,019 |
| Core capital (leverage) ratio | 10.6690% | 2,705 |
| Tier 1 risk-based capital ratio | 15.0804% | 3,623 |
| Total risk-based capital ratio | 16.3477% | 3,555 |
| Memoranda: | ||
| Average total assets | $82,874,800 | 5,169 |
| Average earning assets | $72,199,200 | 5,249 |
| Average equity | $8,418,200 | 5,236 |
| Average total loans | $49,717,000 | 4,969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 3,742 |
| Cost of funding earning assets | 0.5638% | 3,132 |
| Net interest margin | 3.5408% | 3,709 |
| Noninterest income to average assets | 1.1911% | 1,037 |
| Noninterest expense to average assets | 3.8201% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4603% | 4,977 |
| Return on assets (ROA) | 0.8811% | 3,040 |
| Pretax return on assets | 0.8811% | 3,962 |
| Return on Equity (ROE) | 8.7654% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.7654% | 1,133 |
| Net charge-offs to loans | 0.1967% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0416% | 3,550 |
| Efficiency ratio | 89.2461% | 1,060 |
| Assets per employee ($millions) | 3.1199% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0829% | 505 |
| Loan loss allowance to noncurrent loans | 56.5962% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 5.8259% | 426 |
| Noncurrent loans to loans | 5.4471% | 508 |
| Net loans and leases to total assets | 62.5947% | 3,240 |
| Net loans and leases to deposits | 70.8397% | 3,661 |
| Net loans and leases to core deposits | 71.1245% | 4,198 |
| Total domestic deposits to total assets | 88.3611% | 1,913 |
| Equity capital to assets | 10.7748% | 2,980 |
| Core capital (leverage) ratio | 10.5754% | 2,921 |
| Tier 1 risk-based capital ratio | 16.0818% | 3,146 |
| Total risk-based capital ratio | 17.3529% | 3,099 |
| Memoranda: | ||
| Average total assets | $84,289,750 | 5,181 |
| Average earning assets | $73,541,250 | 5,254 |
| Average equity | $8,472,500 | 5,278 |
| Average total loans | $48,814,000 | 5,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 4,282 |
| Cost of funding earning assets | 0.5718% | 3,202 |
| Net interest margin | 3.3807% | 4,262 |
| Noninterest income to average assets | 1.2618% | 972 |
| Noninterest expense to average assets | 3.7066% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5116% | 4,759 |
| Return on assets (ROA) | 1.1275% | 1,945 |
| Pretax return on assets | 1.1275% | 2,985 |
| Return on Equity (ROE) | 11.4651% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.4651% | 574 |
| Net charge-offs to loans | 0.2982% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0694% | 3,505 |
| Efficiency ratio | 87.8705% | 1,232 |
| Assets per employee ($millions) | 3.2045% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0880% | 534 |
| Loan loss allowance to noncurrent loans | 57.3486% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 5.8281% | 478 |
| Noncurrent loans to loans | 5.3847% | 575 |
| Net loans and leases to total assets | 60.8373% | 3,512 |
| Net loans and leases to deposits | 68.5852% | 3,922 |
| Net loans and leases to core deposits | 69.1084% | 4,373 |
| Total domestic deposits to total assets | 88.7033% | 1,777 |
| Equity capital to assets | 10.4678% | 3,345 |
| Core capital (leverage) ratio | 9.5728% | 4,117 |
| Tier 1 risk-based capital ratio | 15.7743% | 3,327 |
| Total risk-based capital ratio | 17.0453% | 3,270 |
| Memoranda: | ||
| Average total assets | $86,387,330 | 5,143 |
| Average earning assets | $75,545,670 | 5,239 |
| Average equity | $8,495,330 | 5,310 |
| Average total loans | $48,293,670 | 5,090 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 4,713 |
| Cost of funding earning assets | 0.5883% | 3,227 |
| Net interest margin | 3.2432% | 4,751 |
| Noninterest income to average assets | 1.3672% | 825 |
| Noninterest expense to average assets | 3.4583% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7417% | 3,467 |
| Return on assets (ROA) | 1.9302% | 420 |
| Pretax return on assets | 1.9302% | 689 |
| Return on Equity (ROE) | 20.2105% | 279 |
| Retained earnings to average equity (ytd only) | 20.2105% | 132 |
| Net charge-offs to loans | 0.1692% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 1,956 |
| Efficiency ratio | 82.3404% | 1,987 |
| Assets per employee ($millions) | 3.6182% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2658% | 508 |
| Loan loss allowance to noncurrent loans | 57.5475% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 6.7260% | 430 |
| Noncurrent loans to loans | 5.6749% | 617 |
| Net loans and leases to total assets | 52.5576% | 4,616 |
| Net loans and leases to deposits | 58.5178% | 4,973 |
| Net loans and leases to core deposits | 59.0902% | 5,238 |
| Total domestic deposits to total assets | 89.8148% | 1,153 |
| Equity capital to assets | 9.5009% | 4,848 |
| Core capital (leverage) ratio | 9.2338% | 4,507 |
| Tier 1 risk-based capital ratio | 15.5319% | 3,509 |
| Total risk-based capital ratio | 16.8035% | 3,463 |
| Memoranda: | ||
| Average total assets | $89,525,000 | 5,111 |
| Average earning assets | $78,193,500 | 5,203 |
| Average equity | $8,550,000 | 5,345 |
| Average total loans | $47,295,000 | 5,157 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 4,911 |
| Cost of funding earning assets | 0.8749% | 2,097 |
| Net interest margin | 3.2353% | 5,472 |
| Noninterest income to average assets | 1.1837% | 1,117 |
| Noninterest expense to average assets | 3.6119% | 1,582 |
| Loan and lease loss provision to assets | 1.3258% | 262 |
| Net operating income to assets | -1.0043% | 6,747 |
| Return on assets (ROA) | -1.0043% | 6,762 |
| Pretax return on assets | -1.0043% | 6,738 |
| Return on Equity (ROE) | -9.8536% | 6,717 |
| Retained earnings to average equity (ytd only) | -9.8536% | 6,630 |
| Net charge-offs to loans | 2.1066% | 336 |
| Credit loss provision to net charge-offs | 113.7464% | 2,556 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 5,346 |
| Efficiency ratio | 91.8244% | 932 |
| Assets per employee ($millions) | 3.5438% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5758% | 403 |
| Loan loss allowance to noncurrent loans | 56.9376% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 7.6268% | 388 |
| Noncurrent loans to loans | 6.2803% | 550 |
| Net loans and leases to total assets | 49.4599% | 5,244 |
| Net loans and leases to deposits | 55.2621% | 5,521 |
| Net loans and leases to core deposits | 55.6474% | 5,740 |
| Total domestic deposits to total assets | 89.5005% | 1,240 |
| Equity capital to assets | 9.6010% | 4,749 |
| Core capital (leverage) ratio | 8.6518% | 5,393 |
| Tier 1 risk-based capital ratio | 14.9218% | 3,765 |
| Total risk-based capital ratio | 16.1945% | 3,703 |
| Memoranda: | ||
| Average total assets | $88,623,200 | 5,122 |
| Average earning assets | $75,326,000 | 5,265 |
| Average equity | $9,032,200 | 5,211 |
| Average total loans | $49,035,600 | 5,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 5,040 |
| Cost of funding earning assets | 0.9379% | 1,934 |
| Net interest margin | 3.2025% | 5,698 |
| Noninterest income to average assets | 1.5374% | 625 |
| Noninterest expense to average assets | 3.3998% | 1,998 |
| Loan and lease loss provision to assets | 1.4893% | 215 |
| Net operating income to assets | -0.6499% | 6,758 |
| Return on assets (ROA) | -0.6499% | 6,785 |
| Pretax return on assets | -0.6499% | 6,764 |
| Return on Equity (ROE) | -6.2855% | 6,767 |
| Retained earnings to average equity (ytd only) | -6.2855% | 6,685 |
| Net charge-offs to loans | 1.2683% | 752 |
| Credit loss provision to net charge-offs | 208.4211% | 1,322 |
| Earnings coverage of net charge-offs (x) | 1.1747% | 4,713 |
| Efficiency ratio | 80.1987% | 2,067 |
| Assets per employee ($millions) | 3.4496% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2010% | 262 |
| Loan loss allowance to noncurrent loans | 48.4599% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 9.0769% | 299 |
| Noncurrent loans to loans | 8.6690% | 341 |
| Net loans and leases to total assets | 50.8000% | 5,213 |
| Net loans and leases to deposits | 57.0809% | 5,524 |
| Net loans and leases to core deposits | 57.4799% | 5,771 |
| Total domestic deposits to total assets | 88.9964% | 1,428 |
| Equity capital to assets | 10.0592% | 4,409 |
| Core capital (leverage) ratio | 9.1984% | 4,769 |
| Tier 1 risk-based capital ratio | 15.1295% | 3,753 |
| Total risk-based capital ratio | 16.4104% | 3,685 |
| Memoranda: | ||
| Average total assets | $88,630,250 | 5,180 |
| Average earning assets | $74,773,250 | 5,336 |
| Average equity | $9,163,750 | 5,227 |
| Average total loans | $49,933,500 | 5,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 4,926 |
| Cost of funding earning assets | 1.0070% | 1,730 |
| Net interest margin | 3.1992% | 5,745 |
| Noninterest income to average assets | 1.1373% | 1,101 |
| Noninterest expense to average assets | 3.2353% | 2,479 |
| Loan and lease loss provision to assets | 1.2234% | 335 |
| Net operating income to assets | -0.6366% | 6,793 |
| Return on assets (ROA) | -0.6366% | 6,823 |
| Pretax return on assets | -0.6366% | 6,793 |
| Return on Equity (ROE) | -6.1014% | 6,802 |
| Retained earnings to average equity (ytd only) | -6.1014% | 6,676 |
| Net charge-offs to loans | 0.7334% | 1,506 |
| Credit loss provision to net charge-offs | 290.3226% | 1,007 |
| Earnings coverage of net charge-offs (x) | 1.3925% | 4,310 |
| Efficiency ratio | 84.6473% | 1,571 |
| Assets per employee ($millions) | 3.7866% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8502% | 384 |
| Loan loss allowance to noncurrent loans | 37.0662% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 10.1642% | 251 |
| Noncurrent loans to loans | 10.3873% | 241 |
| Net loans and leases to total assets | 50.4798% | 5,296 |
| Net loans and leases to deposits | 56.7619% | 5,575 |
| Net loans and leases to core deposits | 57.5517% | 5,808 |
| Total domestic deposits to total assets | 88.9324% | 1,552 |
| Equity capital to assets | 10.0827% | 4,215 |
| Core capital (leverage) ratio | 9.3346% | 4,403 |
| Tier 1 risk-based capital ratio | 15.1852% | 3,643 |
| Total risk-based capital ratio | 16.4602% | 3,589 |
| Memoranda: | ||
| Average total assets | $88,277,330 | 5,218 |
| Average earning assets | $74,081,330 | 5,393 |
| Average equity | $9,211,000 | 5,223 |
| Average total loans | $50,724,670 | 5,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 4,035 |
| Cost of funding earning assets | 1.1033% | 1,394 |
| Net interest margin | 3.3658% | 5,248 |
| Noninterest income to average assets | 1.0899% | 1,211 |
| Noninterest expense to average assets | 3.4538% | 1,864 |
| Loan and lease loss provision to assets | 2.0235% | 136 |
| Net operating income to assets | -1.6234% | 7,112 |
| Return on assets (ROA) | -1.6234% | 7,115 |
| Pretax return on assets | -1.6234% | 7,094 |
| Return on Equity (ROE) | -15.2897% | 7,070 |
| Retained earnings to average equity (ytd only) | -15.2897% | 6,980 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6181% | 1,129 |
| Assets per employee ($millions) | 3.8862% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6957% | 466 |
| Loan loss allowance to noncurrent loans | 25.4769% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 10.6877% | 261 |
| Noncurrent loans to loans | 14.5059% | 132 |
| Net loans and leases to total assets | 56.0632% | 4,370 |
| Net loans and leases to deposits | 63.0161% | 4,770 |
| Net loans and leases to core deposits | 63.9073% | 5,125 |
| Total domestic deposits to total assets | 88.9666% | 1,712 |
| Equity capital to assets | 10.1104% | 3,984 |
| Core capital (leverage) ratio | 9.6653% | 3,824 |
| Tier 1 risk-based capital ratio | 14.4800% | 4,123 |
| Total risk-based capital ratio | 15.7558% | 4,061 |
| Memoranda: | ||
| Average total assets | $86,977,000 | 5,290 |
| Average earning assets | $71,425,000 | 5,518 |
| Average equity | $9,235,000 | 5,235 |
| Average total loans | $52,231,000 | 5,136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 3,111 |
| Cost of funding earning assets | 1.2500% | 1,740 |
| Net interest margin | 3.6982% | 4,302 |
| Noninterest income to average assets | 0.0770% | 6,729 |
| Noninterest expense to average assets | 3.5971% | 1,749 |
| Loan and lease loss provision to assets | 2.0003% | 298 |
| Net operating income to assets | -2.4050% | 7,098 |
| Return on assets (ROA) | -2.4050% | 7,110 |
| Pretax return on assets | -2.4050% | 7,106 |
| Return on Equity (ROE) | -18.8983% | 6,970 |
| Retained earnings to average equity (ytd only) | -20.7050% | 6,975 |
| Net charge-offs to loans | 2.6781% | 409 |
| Credit loss provision to net charge-offs | 116.7002% | 2,769 |
| Earnings coverage of net charge-offs (x) | -0.2361% | 5,978 |
| Efficiency ratio | 112.6755% | 386 |
| Assets per employee ($millions) | 3.5238% | 4,959 |
| Cash dividends to net income (ytd only)* | -9.5602% | 7,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8286% | 951 |
| Loan loss allowance to noncurrent loans | 33.8584% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 8.0299% | 507 |
| Noncurrent loans to loans | 8.3543% | 461 |
| Net loans and leases to total assets | 60.2393% | 3,946 |
| Net loans and leases to deposits | 68.5842% | 4,348 |
| Net loans and leases to core deposits | 69.6236% | 4,832 |
| Total domestic deposits to total assets | 87.8327% | 2,260 |
| Equity capital to assets | 11.1539% | 2,840 |
| Core capital (leverage) ratio | 10.0582% | 3,270 |
| Tier 1 risk-based capital ratio | 14.7986% | 3,757 |
| Total risk-based capital ratio | 16.0646% | 3,730 |
| Memoranda: | ||
| Average total assets | $86,986,800 | 5,261 |
| Average earning assets | $73,278,400 | 5,431 |
| Average equity | $11,069,800 | 4,762 |
| Average total loans | $55,673,800 | 5,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0643% | 2,781 |
| Cost of funding earning assets | 1.2692% | 1,869 |
| Net interest margin | 3.7951% | 3,898 |
| Noninterest income to average assets | 1.1827% | 945 |
| Noninterest expense to average assets | 3.5376% | 1,835 |
| Loan and lease loss provision to assets | 0.8068% | 1,152 |
| Net operating income to assets | 0.0289% | 6,116 |
| Return on assets (ROA) | 0.0289% | 6,211 |
| Pretax return on assets | 0.0289% | 6,194 |
| Return on Equity (ROE) | 0.2207% | 6,215 |
| Retained earnings to average equity (ytd only) | -2.1024% | 6,311 |
| Net charge-offs to loans | 1.1283% | 1,404 |
| Credit loss provision to net charge-offs | 110.8787% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.1485% | 4,761 |
| Efficiency ratio | 80.8911% | 2,128 |
| Assets per employee ($millions) | 3.6543% | 4,630 |
| Cash dividends to net income (ytd only)* | 1,052.7438% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3668% | 1,591 |
| Loan loss allowance to noncurrent loans | 70.0817% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 6.0409% | 882 |
| Noncurrent loans to loans | 3.3772% | 2,045 |
| Net loans and leases to total assets | 60.4878% | 4,046 |
| Net loans and leases to deposits | 70.5439% | 4,211 |
| Net loans and leases to core deposits | 71.8432% | 4,735 |
| Total domestic deposits to total assets | 85.7449% | 3,355 |
| Equity capital to assets | 13.2255% | 1,503 |
| Core capital (leverage) ratio | 12.2984% | 1,536 |
| Tier 1 risk-based capital ratio | 17.6336% | 2,386 |
| Total risk-based capital ratio | 18.9047% | 2,343 |
| Memoranda: | ||
| Average total assets | $87,590,750 | 5,283 |
| Average earning assets | $73,637,500 | 5,457 |
| Average equity | $11,479,000 | 4,699 |
| Average total loans | $56,485,250 | 5,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1480% | 2,477 |
| Cost of funding earning assets | 1.2754% | 2,086 |
| Net interest margin | 3.8725% | 3,428 |
| Noninterest income to average assets | 1.1285% | 1,014 |
| Noninterest expense to average assets | 3.5498% | 1,855 |
| Loan and lease loss provision to assets | 0.2741% | 3,196 |
| Net operating income to assets | 0.5574% | 4,277 |
| Return on assets (ROA) | 0.5574% | 4,401 |
| Pretax return on assets | 0.5574% | 4,888 |
| Return on Equity (ROE) | 4.2661% | 4,805 |
| Retained earnings to average equity (ytd only) | 0.7693% | 5,551 |
| Net charge-offs to loans | 0.8356% | 1,833 |
| Credit loss provision to net charge-offs | 50.2092% | 4,578 |
| Earnings coverage of net charge-offs (x) | 1.5230% | 4,152 |
| Efficiency ratio | 81.0219% | 2,239 |
| Assets per employee ($millions) | 3.6456% | 4,577 |
| Cash dividends to net income (ytd only)* | 81.9672% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 2,436 |
| Loan loss allowance to noncurrent loans | 70.4359% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 5.7570% | 1,001 |
| Noncurrent loans to loans | 2.8061% | 2,590 |
| Net loans and leases to total assets | 63.2020% | 3,640 |
| Net loans and leases to deposits | 73.7454% | 3,845 |
| Net loans and leases to core deposits | 74.8666% | 4,461 |
| Total domestic deposits to total assets | 85.7030% | 3,493 |
| Equity capital to assets | 13.2935% | 1,387 |
| Core capital (leverage) ratio | 12.5039% | 1,354 |
| Tier 1 risk-based capital ratio | 17.4764% | 2,349 |
| Total risk-based capital ratio | 18.7328% | 2,316 |
| Memoranda: | ||
| Average total assets | $87,553,670 | 5,323 |
| Average earning assets | $73,543,670 | 5,506 |
| Average equity | $11,439,000 | 4,702 |
| Average total loans | $57,202,000 | 5,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 2,097 |
| Cost of funding earning assets | 1.3094% | 2,123 |
| Net interest margin | 3.9283% | 3,009 |
| Noninterest income to average assets | 1.1783% | 927 |
| Noninterest expense to average assets | 3.4664% | 2,095 |
| Loan and lease loss provision to assets | 0.2740% | 2,959 |
| Net operating income to assets | 0.6851% | 3,582 |
| Return on assets (ROA) | 0.6851% | 3,647 |
| Pretax return on assets | 0.6851% | 4,360 |
| Return on Equity (ROE) | 5.2896% | 4,248 |
| Retained earnings to average equity (ytd only) | 1.7632% | 5,065 |
| Net charge-offs to loans | 0.4584% | 2,321 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 2,824 |
| Efficiency ratio | 78.3282% | 2,796 |
| Assets per employee ($millions) | 3.4187% | 5,194 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1902% | 1,989 |
| Loan loss allowance to noncurrent loans | 166.6214% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 4.4461% | 1,461 |
| Noncurrent loans to loans | 1.3145% | 4,502 |
| Net loans and leases to total assets | 61.6959% | 3,922 |
| Net loans and leases to deposits | 71.6625% | 4,115 |
| Net loans and leases to core deposits | 72.7327% | 4,688 |
| Total domestic deposits to total assets | 86.0923% | 3,471 |
| Equity capital to assets | 12.7894% | 1,476 |
| Core capital (leverage) ratio | 12.6938% | 1,245 |
| Tier 1 risk-based capital ratio | 17.5141% | 2,287 |
| Total risk-based capital ratio | 18.7713% | 2,252 |
| Memoranda: | ||
| Average total assets | $87,583,500 | 5,366 |
| Average earning assets | $72,397,500 | 5,591 |
| Average equity | $11,343,000 | 4,708 |
| Average total loans | $57,596,500 | 5,105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 1,925 |
| Cost of funding earning assets | 1.5308% | 2,480 |
| Net interest margin | 4.0618% | 2,737 |
| Noninterest income to average assets | 1.6554% | 535 |
| Noninterest expense to average assets | 4.1438% | 965 |
| Loan and lease loss provision to assets | 0.4000% | 3,716 |
| Net operating income to assets | 0.5906% | 3,716 |
| Return on assets (ROA) | 0.5906% | 3,878 |
| Pretax return on assets | 0.5800% | 4,384 |
| Return on Equity (ROE) | 4.4239% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.1192% | 4,986 |
| Net charge-offs to loans | 0.2352% | 4,872 |
| Credit loss provision to net charge-offs | 237.7622% | 1,223 |
| Earnings coverage of net charge-offs (x) | 5.8252% | 2,526 |
| Efficiency ratio | 80.8726% | 2,297 |
| Assets per employee ($millions) | 3.1956% | 5,681 |
| Cash dividends to net income (ytd only)* | 74.7012% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 2,098 |
| Loan loss allowance to noncurrent loans | 84.8693% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 5.3233% | 1,168 |
| Noncurrent loans to loans | 2.4592% | 3,065 |
| Net loans and leases to total assets | 67.0970% | 3,192 |
| Net loans and leases to deposits | 78.2441% | 3,475 |
| Net loans and leases to core deposits | 79.1729% | 4,323 |
| Total domestic deposits to total assets | 85.7535% | 3,473 |
| Equity capital to assets | 13.1176% | 1,337 |
| Core capital (leverage) ratio | 12.9550% | 1,140 |
| Tier 1 risk-based capital ratio | 16.4142% | 2,561 |
| Total risk-based capital ratio | 17.6717% | 2,525 |
| Memoranda: | ||
| Average total assets | $84,994,600 | 5,440 |
| Average earning assets | $72,578,000 | 5,582 |
| Average equity | $11,347,400 | 4,775 |
| Average total loans | $60,800,800 | 5,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 1,963 |
| Cost of funding earning assets | 1.5710% | 2,546 |
| Net interest margin | 4.0547% | 2,835 |
| Noninterest income to average assets | 1.6266% | 531 |
| Noninterest expense to average assets | 3.7492% | 1,475 |
| Loan and lease loss provision to assets | 0.4409% | 3,271 |
| Net operating income to assets | 0.9416% | 2,448 |
| Return on assets (ROA) | 0.9416% | 2,577 |
| Pretax return on assets | 0.9275% | 3,458 |
| Return on Equity (ROE) | 7.0218% | 3,334 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,792 |
| Net charge-offs to loans | -0.0174% | 7,335 |
| Credit loss provision to net charge-offs | -3,500.0000% | 7,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2615% | 3,471 |
| Assets per employee ($millions) | 3.1189% | 5,880 |
| Cash dividends to net income (ytd only)* | 45.9871% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1685% | 1,861 |
| Loan loss allowance to noncurrent loans | 73.5702% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 6.5206% | 868 |
| Noncurrent loans to loans | 2.9475% | 2,707 |
| Net loans and leases to total assets | 70.9856% | 2,492 |
| Net loans and leases to deposits | 83.7060% | 2,756 |
| Net loans and leases to core deposits | 84.7372% | 3,844 |
| Total domestic deposits to total assets | 84.8035% | 3,718 |
| Equity capital to assets | 13.8392% | 1,226 |
| Core capital (leverage) ratio | 13.3349% | 1,106 |
| Tier 1 risk-based capital ratio | 16.4652% | 2,574 |
| Total risk-based capital ratio | 17.7245% | 2,523 |
| Memoranda: | ||
| Average total assets | $84,673,000 | 5,515 |
| Average earning assets | $72,900,750 | 5,638 |
| Average equity | $11,354,750 | 4,847 |
| Average total loans | $61,219,500 | 5,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 2,080 |
| Cost of funding earning assets | 1.6087% | 2,606 |
| Net interest margin | 4.0054% | 2,988 |
| Noninterest income to average assets | 1.2944% | 761 |
| Noninterest expense to average assets | 3.7111% | 1,541 |
| Loan and lease loss provision to assets | 0.5187% | 2,713 |
| Net operating income to assets | 0.5376% | 4,158 |
| Return on assets (ROA) | 0.5376% | 4,304 |
| Pretax return on assets | 0.5163% | 4,854 |
| Return on Equity (ROE) | 4.0515% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.7188% | 4,401 |
| Net charge-offs to loans | -0.0131% | 7,233 |
| Credit loss provision to net charge-offs | -5,500.0000% | 7,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1918% | 2,699 |
| Assets per employee ($millions) | 3.1184% | 5,867 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 1,958 |
| Loan loss allowance to noncurrent loans | 90.5240% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 6.0370% | 971 |
| Noncurrent loans to loans | 2.3224% | 3,343 |
| Net loans and leases to total assets | 69.7404% | 2,967 |
| Net loans and leases to deposits | 81.9974% | 3,274 |
| Net loans and leases to core deposits | 82.7135% | 4,318 |
| Total domestic deposits to total assets | 85.0519% | 3,598 |
| Equity capital to assets | 13.5823% | 1,312 |
| Core capital (leverage) ratio | 12.9395% | 1,231 |
| Tier 1 risk-based capital ratio | 16.3575% | 2,529 |
| Total risk-based capital ratio | 17.6159% | 2,472 |
| Memoranda: | ||
| Average total assets | $84,827,330 | 5,539 |
| Average earning assets | $73,102,000 | 5,670 |
| Average equity | $11,255,000 | 4,865 |
| Average total loans | $61,258,670 | 5,125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5135% | 2,521 |
| Cost of funding earning assets | 1.6280% | 2,785 |
| Net interest margin | 3.8855% | 3,392 |
| Noninterest income to average assets | 1.2685% | 761 |
| Noninterest expense to average assets | 3.7490% | 1,417 |
| Loan and lease loss provision to assets | 0.6107% | 2,086 |
| Net operating income to assets | 0.3148% | 5,235 |
| Return on assets (ROA) | 0.3148% | 5,364 |
| Pretax return on assets | 0.2725% | 5,681 |
| Return on Equity (ROE) | 2.4005% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.4005% | 4,701 |
| Net charge-offs to loans | -0.0129% | 6,955 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9331% | 2,419 |
| Assets per employee ($millions) | 3.0408% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 2,357 |
| Loan loss allowance to noncurrent loans | 40.2410% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 6.8931% | 789 |
| Noncurrent loans to loans | 4.8002% | 1,530 |
| Net loans and leases to total assets | 69.7051% | 3,008 |
| Net loans and leases to deposits | 81.5648% | 3,362 |
| Net loans and leases to core deposits | 82.2681% | 4,445 |
| Total domestic deposits to total assets | 85.4598% | 3,435 |
| Equity capital to assets | 13.1814% | 1,452 |
| Core capital (leverage) ratio | 12.8522% | 1,269 |
| Tier 1 risk-based capital ratio | 16.2374% | 2,544 |
| Total risk-based capital ratio | 17.4937% | 2,504 |
| Memoranda: | ||
| Average total assets | $85,142,000 | 5,597 |
| Average earning assets | $73,710,000 | 5,717 |
| Average equity | $11,164,500 | 4,932 |
| Average total loans | $61,897,500 | 5,186 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2044% | 1,229 |
| Cost of funding earning assets | 1.9154% | 3,382 |
| Net interest margin | 4.2890% | 1,749 |
| Noninterest income to average assets | 1.9074% | 407 |
| Noninterest expense to average assets | 3.9178% | 1,484 |
| Loan and lease loss provision to assets | 0.3909% | 4,448 |
| Net operating income to assets | 1.4133% | 827 |
| Return on assets (ROA) | 1.4133% | 881 |
| Pretax return on assets | 1.4133% | 1,399 |
| Return on Equity (ROE) | 10.8285% | 1,472 |
| Retained earnings to average equity (ytd only) | 1.7518% | 3,861 |
| Net charge-offs to loans | 0.3747% | 4,339 |
| Credit loss provision to net charge-offs | 135.8025% | 3,642 |
| Earnings coverage of net charge-offs (x) | 6.2675% | 2,405 |
| Efficiency ratio | 68.4679% | 4,929 |
| Assets per employee ($millions) | 3.0408% | 6,120 |
| Cash dividends to net income (ytd only)* | 83.8223% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,130 |
| Loan loss allowance to noncurrent loans | 435.7143% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,635 |
| Noncurrent loans to loans | 0.3761% | 6,528 |
| Net loans and leases to total assets | 73.1023% | 2,479 |
| Net loans and leases to deposits | 85.5274% | 2,994 |
| Net loans and leases to core deposits | 98.8910% | 4,128 |
| Total domestic deposits to total assets | 85.4723% | 3,308 |
| Equity capital to assets | 13.0442% | 1,494 |
| Core capital (leverage) ratio | 12.7955% | 1,309 |
| Tier 1 risk-based capital ratio | 15.8515% | 2,586 |
| Total risk-based capital ratio | 17.1033% | 2,518 |
| Memoranda: | ||
| Average total assets | $84,410,200 | 5,580 |
| Average earning assets | $75,075,400 | 5,636 |
| Average equity | $11,017,200 | 5,017 |
| Average total loans | $64,857,200 | 5,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2399% | 1,270 |
| Cost of funding earning assets | 1.9497% | 3,621 |
| Net interest margin | 4.2903% | 1,758 |
| Noninterest income to average assets | 2.0769% | 342 |
| Noninterest expense to average assets | 3.9511% | 1,350 |
| Loan and lease loss provision to assets | 0.2849% | 4,697 |
| Net operating income to assets | 1.6795% | 583 |
| Return on assets (ROA) | 1.6795% | 623 |
| Pretax return on assets | 1.6795% | 1,014 |
| Return on Equity (ROE) | 12.8661% | 1,136 |
| Retained earnings to average equity (ytd only) | 0.7397% | 4,873 |
| Net charge-offs to loans | -0.0123% | 7,712 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7915% | 5,227 |
| Assets per employee ($millions) | 2.9410% | 6,304 |
| Cash dividends to net income (ytd only)* | 94.2508% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7700% | 2,382 |
| Loan loss allowance to noncurrent loans | 64.9143% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 2,641 |
| Noncurrent loans to loans | 2.7267% | 2,782 |
| Net loans and leases to total assets | 73.9193% | 2,548 |
| Net loans and leases to deposits | 86.6491% | 3,200 |
| Net loans and leases to core deposits | 101.3976% | 4,225 |
| Total domestic deposits to total assets | 85.3088% | 3,071 |
| Equity capital to assets | 12.8973% | 1,735 |
| Core capital (leverage) ratio | 12.5683% | 1,550 |
| Tier 1 risk-based capital ratio | 15.7069% | 2,739 |
| Total risk-based capital ratio | 16.9641% | 2,664 |
| Memoranda: | ||
| Average total assets | $84,227,500 | 5,614 |
| Average earning assets | $75,362,000 | 5,658 |
| Average equity | $10,995,000 | 5,075 |
| Average total loans | $65,252,250 | 5,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3441% | 1,104 |
| Cost of funding earning assets | 1.9682% | 3,926 |
| Net interest margin | 4.3759% | 1,460 |
| Noninterest income to average assets | 2.4251% | 276 |
| Noninterest expense to average assets | 3.8606% | 1,556 |
| Loan and lease loss provision to assets | 0.2861% | 4,291 |
| Net operating income to assets | 2.1962% | 193 |
| Return on assets (ROA) | 2.1962% | 212 |
| Pretax return on assets | 2.1962% | 360 |
| Return on Equity (ROE) | 16.7556% | 604 |
| Retained earnings to average equity (ytd only) | 4.0206% | 3,051 |
| Net charge-offs to loans | -0.0091% | 7,596 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8647% | 6,417 |
| Assets per employee ($millions) | 2.9956% | 6,144 |
| Cash dividends to net income (ytd only)* | 76.0043% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 2,541 |
| Loan loss allowance to noncurrent loans | 65.1092% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.6217% | 2,451 |
| Noncurrent loans to loans | 2.5290% | 2,859 |
| Net loans and leases to total assets | 76.4095% | 2,078 |
| Net loans and leases to deposits | 89.9105% | 2,848 |
| Net loans and leases to core deposits | 106.6052% | 3,765 |
| Total domestic deposits to total assets | 84.9840% | 3,267 |
| Equity capital to assets | 13.1848% | 1,617 |
| Core capital (leverage) ratio | 12.8685% | 1,470 |
| Tier 1 risk-based capital ratio | 15.8230% | 2,683 |
| Total risk-based capital ratio | 17.0753% | 2,626 |
| Memoranda: | ||
| Average total assets | $83,873,670 | 5,659 |
| Average earning assets | $75,093,330 | 5,708 |
| Average equity | $10,993,330 | 5,088 |
| Average total loans | $65,609,330 | 5,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4936% | 873 |
| Cost of funding earning assets | 1.9886% | 4,189 |
| Net interest margin | 4.5050% | 1,116 |
| Noninterest income to average assets | 2.1843% | 313 |
| Noninterest expense to average assets | 3.7343% | 1,586 |
| Loan and lease loss provision to assets | 0.2862% | 3,671 |
| Net operating income to assets | 2.1938% | 233 |
| Return on assets (ROA) | 2.1938% | 269 |
| Pretax return on assets | 2.1938% | 448 |
| Return on Equity (ROE) | 16.7876% | 710 |
| Retained earnings to average equity (ytd only) | 5.8391% | 2,696 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0921% | 6,392 |
| Assets per employee ($millions) | 2.9995% | 6,153 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,763 |
| Loan loss allowance to noncurrent loans | 106.3091% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.2039% | 2,593 |
| Noncurrent loans to loans | 1.4493% | 4,127 |
| Net loans and leases to total assets | 76.9235% | 2,057 |
| Net loans and leases to deposits | 90.4870% | 2,856 |
| Net loans and leases to core deposits | 106.8416% | 3,813 |
| Total domestic deposits to total assets | 85.0106% | 3,199 |
| Equity capital to assets | 13.1879% | 1,664 |
| Core capital (leverage) ratio | 12.8456% | 1,536 |
| Tier 1 risk-based capital ratio | 15.5465% | 2,835 |
| Total risk-based capital ratio | 16.7986% | 2,768 |
| Memoranda: | ||
| Average total assets | $83,872,000 | 5,676 |
| Average earning assets | $75,028,000 | 5,729 |
| Average equity | $10,960,500 | 5,120 |
| Average total loans | $65,832,500 | 5,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9224% | 1,336 |
| Cost of funding earning assets | 2.2963% | 5,168 |
| Net interest margin | 4.6261% | 1,105 |
| Noninterest income to average assets | 1.1536% | 1,160 |
| Noninterest expense to average assets | 3.6964% | 1,961 |
| Loan and lease loss provision to assets | 0.3390% | 3,682 |
| Net operating income to assets | 1.2593% | 1,607 |
| Return on assets (ROA) | 1.2593% | 1,550 |
| Pretax return on assets | 1.2593% | 2,446 |
| Return on Equity (ROE) | 10.1268% | 2,218 |
| Retained earnings to average equity (ytd only) | -1.8849% | 5,837 |
| Net charge-offs to loans | 0.4311% | 2,667 |
| Credit loss provision to net charge-offs | 103.8732% | 5,147 |
| Earnings coverage of net charge-offs (x) | 4.8979% | 3,819 |
| Efficiency ratio | 69.8134% | 4,391 |
| Assets per employee ($millions) | 2.5381% | 7,134 |
| Cash dividends to net income (ytd only)* | 118.6131% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 2,983 |
| Loan loss allowance to noncurrent loans | 193.0894% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7085% | 2,851 |
| Noncurrent loans to loans | 0.7449% | 5,167 |
| Net loans and leases to total assets | 77.7227% | 2,211 |
| Net loans and leases to deposits | 94.3259% | 2,706 |
| Net loans and leases to core deposits | 112.5618% | 3,502 |
| Total domestic deposits to total assets | 82.3981% | 4,042 |
| Equity capital to assets | 12.9480% | 1,809 |
| Core capital (leverage) ratio | 12.5745% | 1,718 |
| Tier 1 risk-based capital ratio | 15.1880% | 2,962 |
| Total risk-based capital ratio | 16.4389% | 2,884 |
| Memoranda: | ||
| Average total assets | $87,030,000 | 5,451 |
| Average earning assets | $77,906,600 | 5,507 |
| Average equity | $10,822,800 | 5,178 |
| Average total loans | $65,885,600 | 5,024 |