Home > Peoples Bank of Moniteau County > Performance and Condition Ratios
Peoples Bank of Moniteau County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7061% | 2,669 |
| Cost of funding earning assets | 1.5271% | 1,875 |
| Net interest margin | 3.1789% | 2,923 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.3182% | 2,804 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1169% | 1,871 |
| Return on assets (ROA) | 1.1169% | 1,845 |
| Pretax return on assets | 1.4113% | 1,607 |
| Return on Equity (ROE) | 14.9700% | 1,296 |
| Retained earnings to average equity (ytd only) | 13.7445% | 425 |
| Net charge-offs to loans | 0.0847% | 1,013 |
| Credit loss provision to net charge-offs | 80.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 28.0571% | 1,669 |
| Efficiency ratio | 61.4751% | 2,910 |
| Assets per employee ($millions) | 5.4181% | 3,320 |
| Cash dividends to net income (ytd only)* | 8.2119% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,191 |
| Loan loss allowance to noncurrent loans | 113.4650% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 648 |
| Noncurrent loans to loans | 1.2807% | 555 |
| Net loans and leases to total assets | 60.8500% | 2,766 |
| Net loans and leases to deposits | 72.3249% | 2,736 |
| Net loans and leases to core deposits | 74.2314% | 3,066 |
| Total domestic deposits to total assets | 84.1300% | 2,588 |
| Equity capital to assets | 8.1692% | 3,298 |
| Core capital (leverage) ratio | 10.8254% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2017% | 1,226 |
| Memoranda: | ||
| Average total assets | $67,596,000 | 4,141 |
| Average earning assets | $64,172,400 | 4,098 |
| Average equity | $5,042,000 | 4,259 |
| Average total loans | $41,346,600 | 3,971 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 2,712 |
| Cost of funding earning assets | 1.4223% | 1,804 |
| Net interest margin | 3.1639% | 2,993 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.2725% | 2,881 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9728% | 2,441 |
| Return on assets (ROA) | 0.9728% | 2,436 |
| Pretax return on assets | 1.2219% | 2,244 |
| Return on Equity (ROE) | 13.3800% | 1,830 |
| Retained earnings to average equity (ytd only) | 13.1576% | 790 |
| Net charge-offs to loans | 0.1209% | 668 |
| Credit loss provision to net charge-offs | 37.8378% | 1,941 |
| Earnings coverage of net charge-offs (x) | 16.9459% | 1,914 |
| Efficiency ratio | 64.5161% | 2,438 |
| Assets per employee ($millions) | 5.6920% | 3,025 |
| Cash dividends to net income (ytd only)* | 1.6393% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,142 |
| Loan loss allowance to noncurrent loans | 119.8444% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 746 |
| Noncurrent loans to loans | 1.2418% | 624 |
| Net loans and leases to total assets | 59.6900% | 2,877 |
| Net loans and leases to deposits | 70.2455% | 2,828 |
| Net loans and leases to core deposits | 71.2446% | 3,150 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 7.1021% | 3,566 |
| Core capital (leverage) ratio | 10.7681% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4886% | 1,204 |
| Memoranda: | ||
| Average total assets | $66,886,250 | 4,159 |
| Average earning assets | $63,464,000 | 4,125 |
| Average equity | $4,864,000 | 4,280 |
| Average total loans | $40,810,500 | 3,988 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,697 |
| Cost of funding earning assets | 1.3091% | 1,681 |
| Net interest margin | 3.1711% | 3,055 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.2887% | 2,846 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9787% | 2,486 |
| Return on assets (ROA) | 0.9787% | 2,475 |
| Pretax return on assets | 1.2287% | 2,289 |
| Return on Equity (ROE) | 13.3500% | 1,827 |
| Retained earnings to average equity (ytd only) | 13.0229% | 804 |
| Net charge-offs to loans | 0.1428% | 534 |
| Credit loss provision to net charge-offs | 31.0345% | 1,738 |
| Earnings coverage of net charge-offs (x) | 14.3793% | 1,877 |
| Efficiency ratio | 64.5709% | 2,420 |
| Assets per employee ($millions) | 5.1426% | 3,461 |
| Cash dividends to net income (ytd only)* | 2.4615% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,199 |
| Loan loss allowance to noncurrent loans | 97.0173% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 506 |
| Noncurrent loans to loans | 1.5407% | 422 |
| Net loans and leases to total assets | 60.9200% | 2,687 |
| Net loans and leases to deposits | 71.5294% | 2,683 |
| Net loans and leases to core deposits | 71.9147% | 3,019 |
| Total domestic deposits to total assets | 85.1600% | 2,496 |
| Equity capital to assets | 7.5074% | 3,513 |
| Core capital (leverage) ratio | 10.6595% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1647% | 1,282 |
| Memoranda: | ||
| Average total assets | $66,413,667 | 4,186 |
| Average earning assets | $62,943,333 | 4,151 |
| Average equity | $4,868,333 | 4,300 |
| Average total loans | $40,617,333 | 4,005 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,713 |
| Cost of funding earning assets | 1.2198% | 1,403 |
| Net interest margin | 3.1165% | 3,313 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.2903% | 2,840 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9125% | 2,816 |
| Return on assets (ROA) | 0.9125% | 2,772 |
| Pretax return on assets | 1.1481% | 2,580 |
| Return on Equity (ROE) | 12.6000% | 2,079 |
| Retained earnings to average equity (ytd only) | 12.6017% | 1,164 |
| Net charge-offs to loans | 0.3180% | 252 |
| Credit loss provision to net charge-offs | 15.6250% | 1,385 |
| Earnings coverage of net charge-offs (x) | 6.0938% | 1,791 |
| Efficiency ratio | 66.0279% | 2,201 |
| Assets per employee ($millions) | 5.5243% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,108 |
| Loan loss allowance to noncurrent loans | 91.3303% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 402 |
| Noncurrent loans to loans | 1.7011% | 367 |
| Net loans and leases to total assets | 58.4000% | 2,831 |
| Net loans and leases to deposits | 69.7478% | 2,636 |
| Net loans and leases to core deposits | 70.1268% | 2,946 |
| Total domestic deposits to total assets | 83.7400% | 3,142 |
| Equity capital to assets | 7.6736% | 3,460 |
| Core capital (leverage) ratio | 10.2142% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3696% | 1,295 |
| Memoranda: | ||
| Average total assets | $66,193,500 | 4,243 |
| Average earning assets | $62,633,500 | 4,211 |
| Average equity | $4,793,000 | 4,365 |
| Average total loans | $40,254,000 | 4,065 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 2,583 |
| Cost of funding earning assets | 0.6432% | 746 |
| Net interest margin | 3.0380% | 3,334 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.2514% | 2,890 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9304% | 2,847 |
| Return on assets (ROA) | 0.7701% | 3,366 |
| Pretax return on assets | 0.8670% | 3,438 |
| Return on Equity (ROE) | 10.1900% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.4698% | 1,325 |
| Net charge-offs to loans | -0.0157% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3303% | 2,043 |
| Assets per employee ($millions) | 5.5079% | 3,213 |
| Cash dividends to net income (ytd only)* | 7.0727% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,083 |
| Loan loss allowance to noncurrent loans | 87.0396% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 368 |
| Noncurrent loans to loans | 1.7800% | 340 |
| Net loans and leases to total assets | 61.3400% | 2,514 |
| Net loans and leases to deposits | 73.2016% | 2,316 |
| Net loans and leases to core deposits | 73.6003% | 2,601 |
| Total domestic deposits to total assets | 83.7900% | 3,253 |
| Equity capital to assets | 6.8069% | 3,764 |
| Core capital (leverage) ratio | 10.0495% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4106% | 1,506 |
| Memoranda: | ||
| Average total assets | $66,092,000 | 4,264 |
| Average earning assets | $62,969,200 | 4,228 |
| Average equity | $4,994,800 | 4,428 |
| Average total loans | $38,189,200 | 4,098 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 2,446 |
| Cost of funding earning assets | 0.5678% | 526 |
| Net interest margin | 2.9893% | 3,244 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1909% | 2,955 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9403% | 2,707 |
| Return on assets (ROA) | 0.9260% | 2,741 |
| Pretax return on assets | 1.0450% | 2,886 |
| Return on Equity (ROE) | 11.9600% | 2,044 |
| Retained earnings to average equity (ytd only) | 11.7734% | 844 |
| Net charge-offs to loans | -0.0178% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4627% | 2,219 |
| Assets per employee ($millions) | 5.4168% | 3,309 |
| Cash dividends to net income (ytd only)* | 1.5251% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,023 |
| Loan loss allowance to noncurrent loans | 86.8785% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 389 |
| Noncurrent loans to loans | 1.8703% | 331 |
| Net loans and leases to total assets | 58.5900% | 2,635 |
| Net loans and leases to deposits | 69.5295% | 2,407 |
| Net loans and leases to core deposits | 69.5295% | 2,672 |
| Total domestic deposits to total assets | 84.2600% | 3,441 |
| Equity capital to assets | 6.7244% | 3,648 |
| Core capital (leverage) ratio | 9.9792% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8887% | 1,462 |
| Memoranda: | ||
| Average total assets | $66,091,250 | 4,297 |
| Average earning assets | $62,935,000 | 4,263 |
| Average equity | $5,118,750 | 4,455 |
| Average total loans | $37,441,500 | 4,135 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 2,235 |
| Cost of funding earning assets | 0.5713% | 344 |
| Net interest margin | 2.8944% | 3,185 |
| Noninterest income to average assets | 0.4334% | 2,551 |
| Noninterest expense to average assets | 2.1488% | 3,004 |
| Loan and lease loss provision to assets | 0.0451% | 1,767 |
| Net operating income to assets | 0.9390% | 2,404 |
| Return on assets (ROA) | 0.9390% | 2,380 |
| Pretax return on assets | 0.9992% | 2,739 |
| Return on Equity (ROE) | 11.6244% | 1,784 |
| Retained earnings to average equity (ytd only) | 11.3636% | 724 |
| Net charge-offs to loans | -0.0216% | 3,906 |
| Credit loss provision to net charge-offs | -375.0000% | 3,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2950% | 2,342 |
| Assets per employee ($millions) | 5.5043% | 3,223 |
| Cash dividends to net income (ytd only)* | 2.2436% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,019 |
| Loan loss allowance to noncurrent loans | 90.1306% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 438 |
| Noncurrent loans to loans | 1.8508% | 363 |
| Net loans and leases to total assets | 55.4223% | 2,811 |
| Net loans and leases to deposits | 66.2270% | 2,527 |
| Net loans and leases to core deposits | 66.2270% | 2,801 |
| Total domestic deposits to total assets | 83.6853% | 3,746 |
| Equity capital to assets | 7.1778% | 3,676 |
| Core capital (leverage) ratio | 9.6842% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1018% | 1,412 |
| Memoranda: | ||
| Average total assets | $66,454,333 | 4,334 |
| Average earning assets | $63,362,667 | 4,311 |
| Average equity | $5,368,000 | 4,486 |
| Average total loans | $37,018,333 | 4,195 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3533% | 2,229 |
| Cost of funding earning assets | 0.5620% | 344 |
| Net interest margin | 2.7913% | 3,169 |
| Noninterest income to average assets | 0.4141% | 2,592 |
| Noninterest expense to average assets | 2.1303% | 3,045 |
| Loan and lease loss provision to assets | 0.0480% | 1,508 |
| Net operating income to assets | 0.7381% | 2,898 |
| Return on assets (ROA) | 0.7381% | 2,888 |
| Pretax return on assets | 0.9181% | 2,707 |
| Return on Equity (ROE) | 8.6597% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.6597% | 1,381 |
| Net charge-offs to loans | -0.0217% | 3,956 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7984% | 2,398 |
| Assets per employee ($millions) | 5.5985% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 1,097 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 410 |
| Noncurrent loans to loans | 2.0696% | 344 |
| Net loans and leases to total assets | 53.4622% | 2,822 |
| Net loans and leases to deposits | 64.7947% | 2,456 |
| Net loans and leases to core deposits | 64.7947% | 2,735 |
| Total domestic deposits to total assets | 82.5102% | 4,016 |
| Equity capital to assets | 7.8205% | 3,710 |
| Core capital (leverage) ratio | 9.3806% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9951% | 1,513 |
| Memoranda: | ||
| Average total assets | $66,656,000 | 4,357 |
| Average earning assets | $64,056,500 | 4,327 |
| Average equity | $5,681,500 | 4,497 |
| Average total loans | $36,913,500 | 4,211 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 2,000 |
| Cost of funding earning assets | 0.6536% | 412 |
| Net interest margin | 3.0883% | 2,945 |
| Noninterest income to average assets | 0.4583% | 2,773 |
| Noninterest expense to average assets | 2.1290% | 3,307 |
| Loan and lease loss provision to assets | 0.0887% | 1,398 |
| Net operating income to assets | 1.0349% | 2,537 |
| Return on assets (ROA) | 1.0349% | 2,608 |
| Pretax return on assets | 1.2168% | 2,608 |
| Return on Equity (ROE) | 11.4758% | 1,992 |
| Retained earnings to average equity (ytd only) | 8.6396% | 1,303 |
| Net charge-offs to loans | -0.0249% | 4,057 |
| Credit loss provision to net charge-offs | -666.6667% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9888% | 2,870 |
| Assets per employee ($millions) | 5.5108% | 3,246 |
| Cash dividends to net income (ytd only)* | 24.7143% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,224 |
| Loan loss allowance to noncurrent loans | 77.6774% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 429 |
| Noncurrent loans to loans | 2.0779% | 377 |
| Net loans and leases to total assets | 55.4907% | 2,680 |
| Net loans and leases to deposits | 68.1385% | 2,301 |
| Net loans and leases to core deposits | 68.1385% | 2,640 |
| Total domestic deposits to total assets | 81.4381% | 4,049 |
| Equity capital to assets | 9.2379% | 3,381 |
| Core capital (leverage) ratio | 8.9562% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5750% | 1,658 |
| Memoranda: | ||
| Average total assets | $67,636,800 | 4,362 |
| Average earning assets | $65,182,400 | 4,321 |
| Average equity | $6,099,800 | 4,522 |
| Average total loans | $36,142,200 | 4,265 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 1,852 |
| Cost of funding earning assets | 0.6713% | 447 |
| Net interest margin | 3.1999% | 2,727 |
| Noninterest income to average assets | 0.4666% | 2,766 |
| Noninterest expense to average assets | 2.0897% | 3,395 |
| Loan and lease loss provision to assets | 0.0882% | 1,353 |
| Net operating income to assets | 1.1762% | 2,247 |
| Return on assets (ROA) | 1.1762% | 2,306 |
| Pretax return on assets | 1.3722% | 2,430 |
| Return on Equity (ROE) | 13.1198% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.1518% | 1,023 |
| Net charge-offs to loans | -0.0260% | 4,080 |
| Credit loss provision to net charge-offs | -642.8571% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8625% | 3,145 |
| Assets per employee ($millions) | 5.6962% | 3,000 |
| Cash dividends to net income (ytd only)* | 15.0000% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 1,262 |
| Loan loss allowance to noncurrent loans | 62.7957% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 400 |
| Noncurrent loans to loans | 2.5946% | 279 |
| Net loans and leases to total assets | 51.5829% | 3,240 |
| Net loans and leases to deposits | 63.0255% | 2,954 |
| Net loans and leases to core deposits | 63.0255% | 3,219 |
| Total domestic deposits to total assets | 81.8445% | 3,952 |
| Equity capital to assets | 9.1845% | 3,665 |
| Core capital (leverage) ratio | 8.9883% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6260% | 1,751 |
| Memoranda: | ||
| Average total assets | $68,013,500 | 4,416 |
| Average earning assets | $65,542,750 | 4,378 |
| Average equity | $6,097,500 | 4,584 |
| Average total loans | $35,853,250 | 4,328 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 1,066 |
| Cost of funding earning assets | 0.6977% | 472 |
| Net interest margin | 3.5652% | 1,670 |
| Noninterest income to average assets | 0.4978% | 2,630 |
| Noninterest expense to average assets | 2.0560% | 3,533 |
| Loan and lease loss provision to assets | 0.0884% | 1,398 |
| Net operating income to assets | 1.5346% | 1,204 |
| Return on assets (ROA) | 1.5346% | 1,266 |
| Pretax return on assets | 1.7850% | 1,271 |
| Return on Equity (ROE) | 17.2593% | 745 |
| Retained earnings to average equity (ytd only) | 14.2778% | 509 |
| Net charge-offs to loans | -0.0335% | 4,204 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3238% | 4,011 |
| Assets per employee ($millions) | 5.7127% | 2,880 |
| Cash dividends to net income (ytd only)* | 17.2745% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,295 |
| Loan loss allowance to noncurrent loans | 59.2902% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 435 |
| Noncurrent loans to loans | 2.6829% | 291 |
| Net loans and leases to total assets | 51.2604% | 3,422 |
| Net loans and leases to deposits | 62.4867% | 3,152 |
| Net loans and leases to core deposits | 62.4867% | 3,420 |
| Total domestic deposits to total assets | 82.0341% | 3,916 |
| Equity capital to assets | 9.1157% | 3,689 |
| Core capital (leverage) ratio | 8.8846% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9466% | 1,649 |
| Memoranda: | ||
| Average total assets | $67,900,000 | 4,446 |
| Average earning assets | $65,353,667 | 4,401 |
| Average equity | $6,037,333 | 4,615 |
| Average total loans | $35,856,667 | 4,363 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 2,793 |
| Cost of funding earning assets | 0.7253% | 501 |
| Net interest margin | 2.8214% | 3,711 |
| Noninterest income to average assets | 0.4499% | 2,826 |
| Noninterest expense to average assets | 2.0955% | 3,438 |
| Loan and lease loss provision to assets | 0.0888% | 1,488 |
| Net operating income to assets | 0.7932% | 3,448 |
| Return on assets (ROA) | 0.7932% | 3,516 |
| Pretax return on assets | 0.9826% | 3,422 |
| Return on Equity (ROE) | 9.0365% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.0250% | 2,223 |
| Net charge-offs to loans | -0.0334% | 4,227 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1682% | 2,204 |
| Assets per employee ($millions) | 5.8216% | 2,774 |
| Cash dividends to net income (ytd only)* | 11.1940% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 1,425 |
| Loan loss allowance to noncurrent loans | 55.9512% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 329 |
| Noncurrent loans to loans | 2.7668% | 306 |
| Net loans and leases to total assets | 50.0709% | 3,621 |
| Net loans and leases to deposits | 61.0060% | 3,412 |
| Net loans and leases to core deposits | 61.0060% | 3,642 |
| Total domestic deposits to total assets | 82.0753% | 3,878 |
| Equity capital to assets | 8.3855% | 4,205 |
| Core capital (leverage) ratio | 8.9226% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7609% | 1,652 |
| Memoranda: | ||
| Average total assets | $67,574,000 | 4,466 |
| Average earning assets | $65,075,000 | 4,424 |
| Average equity | $5,931,500 | 4,644 |
| Average total loans | $35,931,000 | 4,381 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 3,545 |
| Cost of funding earning assets | 1.0081% | 578 |
| Net interest margin | 2.7050% | 4,369 |
| Noninterest income to average assets | 0.4275% | 2,975 |
| Noninterest expense to average assets | 2.3709% | 3,204 |
| Loan and lease loss provision to assets | 0.0953% | 3,151 |
| Net operating income to assets | 0.5403% | 3,933 |
| Return on assets (ROA) | 0.5435% | 4,020 |
| Pretax return on assets | 0.5482% | 4,179 |
| Return on Equity (ROE) | 5.9237% | 3,607 |
| Retained earnings to average equity (ytd only) | 4.9364% | 2,301 |
| Net charge-offs to loans | 0.2669% | 648 |
| Credit loss provision to net charge-offs | 63.8298% | 3,072 |
| Earnings coverage of net charge-offs (x) | 4.2872% | 3,002 |
| Efficiency ratio | 78.7335% | 980 |
| Assets per employee ($millions) | 5.4408% | 2,903 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,713 |
| Loan loss allowance to noncurrent loans | 51.5504% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.9299% | 300 |
| Noncurrent loans to loans | 2.8404% | 326 |
| Net loans and leases to total assets | 54.8347% | 3,406 |
| Net loans and leases to deposits | 67.5248% | 3,133 |
| Net loans and leases to core deposits | 67.5248% | 3,439 |
| Total domestic deposits to total assets | 81.2066% | 3,831 |
| Equity capital to assets | 9.1976% | 3,890 |
| Core capital (leverage) ratio | 8.8067% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1941% | 2,553 |
| Memoranda: | ||
| Average total assets | $62,930,600 | 4,471 |
| Average earning assets | $60,111,000 | 4,436 |
| Average equity | $5,773,400 | 4,669 |
| Average total loans | $35,223,600 | 4,401 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 3,578 |
| Cost of funding earning assets | 1.0678% | 603 |
| Net interest margin | 2.7279% | 4,430 |
| Noninterest income to average assets | 0.4299% | 2,938 |
| Noninterest expense to average assets | 2.3697% | 3,220 |
| Loan and lease loss provision to assets | 0.0962% | 3,115 |
| Net operating income to assets | 0.5839% | 3,816 |
| Return on assets (ROA) | 0.5881% | 3,904 |
| Pretax return on assets | 0.5689% | 4,159 |
| Return on Equity (ROE) | 6.4151% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.4120% | 2,370 |
| Net charge-offs to loans | 0.2098% | 731 |
| Credit loss provision to net charge-offs | 81.8182% | 2,750 |
| Earnings coverage of net charge-offs (x) | 5.6182% | 2,719 |
| Efficiency ratio | 78.1934% | 1,016 |
| Assets per employee ($millions) | 5.3658% | 2,822 |
| Cash dividends to net income (ytd only)* | 15.6364% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,030 |
| Loan loss allowance to noncurrent loans | 48.7270% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 277 |
| Noncurrent loans to loans | 3.3364% | 254 |
| Net loans and leases to total assets | 52.1580% | 3,956 |
| Net loans and leases to deposits | 65.0122% | 3,702 |
| Net loans and leases to core deposits | 65.5656% | 3,920 |
| Total domestic deposits to total assets | 80.2280% | 3,817 |
| Equity capital to assets | 9.2236% | 3,933 |
| Core capital (leverage) ratio | 8.6675% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5520% | 2,389 |
| Memoranda: | ||
| Average total assets | $62,341,000 | 4,498 |
| Average earning assets | $59,434,750 | 4,463 |
| Average equity | $5,715,500 | 4,696 |
| Average total loans | $34,946,250 | 4,438 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 3,583 |
| Cost of funding earning assets | 1.1186% | 673 |
| Net interest margin | 2.7930% | 4,464 |
| Noninterest income to average assets | 0.4347% | 2,880 |
| Noninterest expense to average assets | 2.3225% | 3,465 |
| Loan and lease loss provision to assets | 0.0973% | 3,060 |
| Net operating income to assets | 0.7136% | 3,346 |
| Return on assets (ROA) | 0.7136% | 3,458 |
| Pretax return on assets | 0.6714% | 3,925 |
| Return on Equity (ROE) | 7.8000% | 2,828 |
| Retained earnings to average equity (ytd only) | 7.0200% | 1,657 |
| Net charge-offs to loans | 0.3464% | 466 |
| Credit loss provision to net charge-offs | 49.1803% | 2,628 |
| Earnings coverage of net charge-offs (x) | 3.8852% | 2,644 |
| Efficiency ratio | 75.1312% | 1,352 |
| Assets per employee ($millions) | 5.2985% | 2,838 |
| Cash dividends to net income (ytd only)* | 10.0000% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,183 |
| Loan loss allowance to noncurrent loans | 44.6951% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.5086% | 223 |
| Noncurrent loans to loans | 3.4186% | 240 |
| Net loans and leases to total assets | 54.2276% | 3,856 |
| Net loans and leases to deposits | 69.2071% | 3,480 |
| Net loans and leases to core deposits | 69.2071% | 3,758 |
| Total domestic deposits to total assets | 78.3555% | 4,137 |
| Equity capital to assets | 9.2715% | 3,862 |
| Core capital (leverage) ratio | 9.0454% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9478% | 2,635 |
| Memoranda: | ||
| Average total assets | $61,658,333 | 4,514 |
| Average earning assets | $58,647,333 | 4,483 |
| Average equity | $5,641,000 | 4,725 |
| Average total loans | $35,215,333 | 4,448 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,875 |
| Cost of funding earning assets | 1.1730% | 840 |
| Net interest margin | 2.7973% | 4,566 |
| Noninterest income to average assets | 0.5404% | 2,331 |
| Noninterest expense to average assets | 2.4911% | 3,293 |
| Loan and lease loss provision to assets | 0.0989% | 2,447 |
| Net operating income to assets | 0.8172% | 2,848 |
| Return on assets (ROA) | 0.8172% | 2,935 |
| Pretax return on assets | 0.6063% | 3,907 |
| Return on Equity (ROE) | 8.9953% | 2,115 |
| Retained earnings to average equity (ytd only) | 7.3993% | 1,409 |
| Net charge-offs to loans | 0.1359% | 916 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 1,841 |
| Efficiency ratio | 77.9381% | 1,347 |
| Assets per employee ($millions) | 4.7712% | 2,909 |
| Cash dividends to net income (ytd only)* | 17.7419% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 1,025 |
| Loan loss allowance to noncurrent loans | 43.8029% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.7343% | 236 |
| Noncurrent loans to loans | 3.6940% | 238 |
| Net loans and leases to total assets | 55.7766% | 3,857 |
| Net loans and leases to deposits | 70.6950% | 3,543 |
| Net loans and leases to core deposits | 70.6950% | 3,834 |
| Total domestic deposits to total assets | 78.8976% | 4,071 |
| Equity capital to assets | 8.9898% | 4,605 |
| Core capital (leverage) ratio | 9.0605% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8848% | 2,335 |
| Memoranda: | ||
| Average total assets | $60,696,500 | 4,548 |
| Average earning assets | $57,628,000 | 4,516 |
| Average equity | $5,514,000 | 4,781 |
| Average total loans | $35,316,000 | 4,469 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,968 |
| Cost of funding earning assets | 1.1640% | 1,112 |
| Net interest margin | 2.9680% | 4,555 |
| Noninterest income to average assets | 0.6219% | 2,124 |
| Noninterest expense to average assets | 2.6402% | 3,062 |
| Loan and lease loss provision to assets | 0.3598% | 416 |
| Net operating income to assets | 0.4694% | 4,467 |
| Return on assets (ROA) | 0.4694% | 4,509 |
| Pretax return on assets | 0.4352% | 4,657 |
| Return on Equity (ROE) | 5.2115% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.2225% | 2,846 |
| Net charge-offs to loans | 0.5586% | 328 |
| Credit loss provision to net charge-offs | 102.9412% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.2745% | 3,435 |
| Efficiency ratio | 76.8579% | 1,281 |
| Assets per employee ($millions) | 4.5667% | 3,126 |
| Cash dividends to net income (ytd only)* | 18.9781% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 988 |
| Loan loss allowance to noncurrent loans | 51.6423% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7995% | 204 |
| Noncurrent loans to loans | 3.0902% | 299 |
| Net loans and leases to total assets | 58.7886% | 3,691 |
| Net loans and leases to deposits | 74.5828% | 3,298 |
| Net loans and leases to core deposits | 74.5828% | 3,669 |
| Total domestic deposits to total assets | 78.8233% | 4,215 |
| Equity capital to assets | 9.1836% | 4,582 |
| Core capital (leverage) ratio | 9.1284% | 4,422 |
| Tier 1 risk-based capital ratio | 12.8005% | 3,895 |
| Total risk-based capital ratio | 14.0516% | 3,786 |
| Memoranda: | ||
| Average total assets | $58,366,200 | 4,621 |
| Average earning assets | $55,324,200 | 4,596 |
| Average equity | $5,257,600 | 4,856 |
| Average total loans | $36,516,800 | 4,487 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 4,022 |
| Cost of funding earning assets | 1.1402% | 1,209 |
| Net interest margin | 3.0180% | 4,600 |
| Noninterest income to average assets | 0.6791% | 1,869 |
| Noninterest expense to average assets | 2.6200% | 3,108 |
| Loan and lease loss provision to assets | 0.4474% | 285 |
| Net operating income to assets | 0.5529% | 4,401 |
| Return on assets (ROA) | 0.5529% | 4,455 |
| Pretax return on assets | 0.4657% | 4,738 |
| Return on Equity (ROE) | 6.1687% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.0680% | 2,862 |
| Net charge-offs to loans | 0.5945% | 271 |
| Credit loss provision to net charge-offs | 118.9024% | 1,967 |
| Earnings coverage of net charge-offs (x) | 2.4268% | 3,197 |
| Efficiency ratio | 74.1558% | 1,541 |
| Assets per employee ($millions) | 4.3908% | 3,352 |
| Cash dividends to net income (ytd only)* | 17.8415% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 901 |
| Loan loss allowance to noncurrent loans | 52.1624% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 187 |
| Noncurrent loans to loans | 3.1678% | 294 |
| Net loans and leases to total assets | 61.6230% | 3,532 |
| Net loans and leases to deposits | 78.8182% | 3,027 |
| Net loans and leases to core deposits | 78.8182% | 3,483 |
| Total domestic deposits to total assets | 78.1836% | 4,312 |
| Equity capital to assets | 9.5233% | 4,431 |
| Core capital (leverage) ratio | 9.2887% | 4,380 |
| Tier 1 risk-based capital ratio | 13.3222% | 3,674 |
| Total risk-based capital ratio | 14.5726% | 3,573 |
| Memoranda: | ||
| Average total assets | $58,116,000 | 4,689 |
| Average earning assets | $54,958,250 | 4,665 |
| Average equity | $5,209,000 | 4,923 |
| Average total loans | $36,779,250 | 4,539 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 4,041 |
| Cost of funding earning assets | 1.1072% | 1,272 |
| Net interest margin | 3.0456% | 4,612 |
| Noninterest income to average assets | 0.5234% | 2,549 |
| Noninterest expense to average assets | 2.5795% | 3,247 |
| Loan and lease loss provision to assets | 0.3592% | 356 |
| Net operating income to assets | 0.6124% | 4,279 |
| Return on assets (ROA) | 0.6124% | 4,312 |
| Pretax return on assets | 0.4550% | 4,758 |
| Return on Equity (ROE) | 6.9740% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.1169% | 2,229 |
| Net charge-offs to loans | 0.5873% | 258 |
| Credit loss provision to net charge-offs | 96.3303% | 2,059 |
| Earnings coverage of net charge-offs (x) | 2.1835% | 2,964 |
| Efficiency ratio | 76.0081% | 1,396 |
| Assets per employee ($millions) | 4.5293% | 3,092 |
| Cash dividends to net income (ytd only)* | 12.2905% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,193 |
| Loan loss allowance to noncurrent loans | 35.7326% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.4663% | 147 |
| Noncurrent loans to loans | 4.2705% | 157 |
| Net loans and leases to total assets | 60.9365% | 3,660 |
| Net loans and leases to deposits | 77.4896% | 3,194 |
| Net loans and leases to core deposits | 77.4896% | 3,615 |
| Total domestic deposits to total assets | 78.6383% | 4,289 |
| Equity capital to assets | 9.0793% | 4,750 |
| Core capital (leverage) ratio | 9.1588% | 4,502 |
| Tier 1 risk-based capital ratio | 12.5989% | 4,078 |
| Total risk-based capital ratio | 13.8476% | 3,962 |
| Memoranda: | ||
| Average total assets | $58,461,000 | 4,719 |
| Average earning assets | $55,096,000 | 4,700 |
| Average equity | $5,133,330 | 4,968 |
| Average total loans | $37,117,000 | 4,570 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1426% | 4,024 |
| Cost of funding earning assets | 1.0648% | 1,312 |
| Net interest margin | 3.0778% | 4,625 |
| Noninterest income to average assets | 0.5150% | 2,469 |
| Noninterest expense to average assets | 2.6163% | 3,166 |
| Loan and lease loss provision to assets | 0.1030% | 1,712 |
| Net operating income to assets | 0.5837% | 4,289 |
| Return on assets (ROA) | 0.5837% | 4,322 |
| Pretax return on assets | 0.6936% | 4,313 |
| Return on Equity (ROE) | 6.7635% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.0129% | 2,903 |
| Net charge-offs to loans | 0.0107% | 2,304 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 606 |
| Efficiency ratio | 76.6600% | 1,425 |
| Assets per employee ($millions) | 4.5022% | 3,192 |
| Cash dividends to net income (ytd only)* | 25.8824% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,182 |
| Loan loss allowance to noncurrent loans | 36.9132% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 3.4855% | 155 |
| Noncurrent loans to loans | 4.2008% | 168 |
| Net loans and leases to total assets | 62.2659% | 3,477 |
| Net loans and leases to deposits | 79.2170% | 2,928 |
| Net loans and leases to core deposits | 79.2170% | 3,432 |
| Total domestic deposits to total assets | 78.6017% | 4,419 |
| Equity capital to assets | 8.7172% | 4,869 |
| Core capital (leverage) ratio | 9.0152% | 4,645 |
| Tier 1 risk-based capital ratio | 13.3373% | 3,700 |
| Total risk-based capital ratio | 14.5880% | 3,607 |
| Memoranda: | ||
| Average total assets | $58,251,000 | 4,769 |
| Average earning assets | $54,844,500 | 4,753 |
| Average equity | $5,027,000 | 5,023 |
| Average total loans | $37,457,500 | 4,605 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 3,397 |
| Cost of funding earning assets | 0.9578% | 898 |
| Net interest margin | 3.2567% | 4,365 |
| Noninterest income to average assets | 1.1895% | 648 |
| Noninterest expense to average assets | 2.7383% | 2,899 |
| Loan and lease loss provision to assets | 0.8183% | 119 |
| Net operating income to assets | 0.5989% | 4,424 |
| Return on assets (ROA) | 0.5989% | 4,429 |
| Pretax return on assets | 0.7137% | 4,378 |
| Return on Equity (ROE) | 7.4039% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.1942% | 2,096 |
| Net charge-offs to loans | 1.7779% | 59 |
| Credit loss provision to net charge-offs | 68.4062% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.2807% | 3,642 |
| Efficiency ratio | 64.1249% | 3,172 |
| Assets per employee ($millions) | 4.4595% | 3,227 |
| Cash dividends to net income (ytd only)* | 16.3380% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,360 |
| Loan loss allowance to noncurrent loans | 34.5466% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 3.4274% | 157 |
| Noncurrent loans to loans | 4.2773% | 161 |
| Net loans and leases to total assets | 64.4047% | 3,312 |
| Net loans and leases to deposits | 81.8959% | 2,747 |
| Net loans and leases to core deposits | 81.8959% | 3,272 |
| Total domestic deposits to total assets | 78.6421% | 4,384 |
| Equity capital to assets | 8.5418% | 4,907 |
| Core capital (leverage) ratio | 8.8404% | 4,780 |
| Tier 1 risk-based capital ratio | 13.2927% | 3,662 |
| Total risk-based capital ratio | 14.5445% | 3,547 |
| Memoranda: | ||
| Average total assets | $59,271,000 | 4,773 |
| Average earning assets | $56,068,800 | 4,748 |
| Average equity | $4,794,800 | 5,078 |
| Average total loans | $39,877,400 | 4,553 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 3,510 |
| Cost of funding earning assets | 0.9289% | 807 |
| Net interest margin | 3.2074% | 4,496 |
| Noninterest income to average assets | 1.3893% | 493 |
| Noninterest expense to average assets | 2.7295% | 2,878 |
| Loan and lease loss provision to assets | 0.9397% | 92 |
| Net operating income to assets | 0.6309% | 4,418 |
| Return on assets (ROA) | 0.6309% | 4,434 |
| Pretax return on assets | 0.7562% | 4,413 |
| Return on Equity (ROE) | 7.9064% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.5326% | 2,369 |
| Net charge-offs to loans | 1.4003% | 87 |
| Credit loss provision to net charge-offs | 99.0566% | 2,307 |
| Earnings coverage of net charge-offs (x) | 1.7877% | 3,313 |
| Efficiency ratio | 61.6785% | 3,556 |
| Assets per employee ($millions) | 4.5088% | 3,112 |
| Cash dividends to net income (ytd only)* | 17.3755% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 506 |
| Loan loss allowance to noncurrent loans | 45.3225% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 3.5844% | 156 |
| Noncurrent loans to loans | 4.3639% | 173 |
| Net loans and leases to total assets | 65.9507% | 3,184 |
| Net loans and leases to deposits | 82.4735% | 2,765 |
| Net loans and leases to core deposits | 82.4735% | 3,291 |
| Total domestic deposits to total assets | 79.9659% | 4,131 |
| Equity capital to assets | 8.0918% | 5,139 |
| Core capital (leverage) ratio | 8.6438% | 5,007 |
| Tier 1 risk-based capital ratio | 12.6587% | 4,111 |
| Total risk-based capital ratio | 13.9158% | 4,000 |
| Memoranda: | ||
| Average total assets | $59,595,250 | 4,825 |
| Average earning assets | $56,410,250 | 4,790 |
| Average equity | $4,755,500 | 5,147 |
| Average total loans | $40,372,250 | 4,588 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 3,431 |
| Cost of funding earning assets | 0.9083% | 713 |
| Net interest margin | 3.1966% | 4,512 |
| Noninterest income to average assets | 0.5674% | 2,489 |
| Noninterest expense to average assets | 2.6201% | 3,267 |
| Loan and lease loss provision to assets | 0.1001% | 1,946 |
| Net operating income to assets | 0.7376% | 4,077 |
| Return on assets (ROA) | 0.7376% | 4,077 |
| Pretax return on assets | 0.9012% | 3,964 |
| Return on Equity (ROE) | 9.2864% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.3619% | 1,465 |
| Net charge-offs to loans | 0.0246% | 2,370 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 999 |
| Efficiency ratio | 72.3502% | 1,943 |
| Assets per employee ($millions) | 4.4897% | 3,139 |
| Cash dividends to net income (ytd only)* | 9.9548% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 530 |
| Loan loss allowance to noncurrent loans | 59.9259% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.9641% | 252 |
| Noncurrent loans to loans | 3.3149% | 314 |
| Net loans and leases to total assets | 68.3891% | 2,814 |
| Net loans and leases to deposits | 85.1614% | 2,412 |
| Net loans and leases to core deposits | 85.7100% | 2,949 |
| Total domestic deposits to total assets | 80.3053% | 4,177 |
| Equity capital to assets | 8.2154% | 5,123 |
| Core capital (leverage) ratio | 8.5552% | 5,070 |
| Tier 1 risk-based capital ratio | 12.4957% | 4,182 |
| Total risk-based capital ratio | 13.7549% | 4,077 |
| Memoranda: | ||
| Average total assets | $59,922,000 | 4,873 |
| Average earning assets | $57,248,000 | 4,833 |
| Average equity | $4,759,670 | 5,200 |
| Average total loans | $40,684,000 | 4,617 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,433 |
| Cost of funding earning assets | 0.8894% | 632 |
| Net interest margin | 3.1577% | 4,584 |
| Noninterest income to average assets | 0.5535% | 2,508 |
| Noninterest expense to average assets | 2.5568% | 3,470 |
| Loan and lease loss provision to assets | 0.0988% | 1,869 |
| Net operating income to assets | 0.7446% | 3,922 |
| Return on assets (ROA) | 0.7446% | 3,923 |
| Pretax return on assets | 0.9160% | 3,795 |
| Return on Equity (ROE) | 9.5318% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.6761% | 1,964 |
| Net charge-offs to loans | 0.0590% | 1,513 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,338 |
| Efficiency ratio | 71.5867% | 2,253 |
| Assets per employee ($millions) | 4.6421% | 2,940 |
| Cash dividends to net income (ytd only)* | 19.4690% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 572 |
| Loan loss allowance to noncurrent loans | 58.0102% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.9463% | 276 |
| Noncurrent loans to loans | 3.4016% | 312 |
| Net loans and leases to total assets | 65.2791% | 3,137 |
| Net loans and leases to deposits | 81.3052% | 2,657 |
| Net loans and leases to core deposits | 81.8118% | 3,155 |
| Total domestic deposits to total assets | 80.2890% | 4,367 |
| Equity capital to assets | 7.7999% | 5,329 |
| Core capital (leverage) ratio | 8.1799% | 5,325 |
| Tier 1 risk-based capital ratio | 12.7344% | 4,098 |
| Total risk-based capital ratio | 13.9942% | 3,980 |
| Memoranda: | ||
| Average total assets | $60,700,000 | 4,910 |
| Average earning assets | $58,016,000 | 4,874 |
| Average equity | $4,742,000 | 5,259 |
| Average total loans | $40,663,500 | 4,673 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 3,114 |
| Cost of funding earning assets | 0.9853% | 235 |
| Net interest margin | 3.0980% | 4,695 |
| Noninterest income to average assets | 0.5395% | 2,776 |
| Noninterest expense to average assets | 3.0794% | 1,920 |
| Loan and lease loss provision to assets | 0.0875% | 2,437 |
| Net operating income to assets | 0.2134% | 5,085 |
| Return on assets (ROA) | 0.2260% | 5,073 |
| Pretax return on assets | 0.3438% | 5,164 |
| Return on Equity (ROE) | 3.0055% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.2859% | 3,950 |
| Net charge-offs to loans | 0.6852% | 316 |
| Credit loss provision to net charge-offs | 19.1638% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.9024% | 3,950 |
| Efficiency ratio | 88.1951% | 523 |
| Assets per employee ($millions) | 4.6964% | 2,873 |
| Cash dividends to net income (ytd only)* | 23.9437% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 640 |
| Loan loss allowance to noncurrent loans | 62.7702% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.7321% | 316 |
| Noncurrent loans to loans | 3.0360% | 366 |
| Net loans and leases to total assets | 66.0999% | 3,089 |
| Net loans and leases to deposits | 82.4366% | 2,680 |
| Net loans and leases to core deposits | 83.0405% | 3,150 |
| Total domestic deposits to total assets | 80.1828% | 4,304 |
| Equity capital to assets | 7.8243% | 5,450 |
| Core capital (leverage) ratio | 7.8820% | 5,481 |
| Tier 1 risk-based capital ratio | 12.1823% | 4,408 |
| Total risk-based capital ratio | 13.4404% | 4,299 |
| Memoranda: | ||
| Average total assets | $62,836,200 | 4,904 |
| Average earning assets | $59,877,600 | 4,860 |
| Average equity | $4,724,600 | 5,315 |
| Average total loans | $41,882,800 | 4,670 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 3,140 |
| Cost of funding earning assets | 0.9934% | 202 |
| Net interest margin | 3.0664% | 4,786 |
| Noninterest income to average assets | 0.5288% | 2,846 |
| Noninterest expense to average assets | 3.2215% | 1,515 |
| Loan and lease loss provision to assets | 0.0843% | 2,407 |
| Net operating income to assets | 0.2044% | 5,350 |
| Return on assets (ROA) | 0.2297% | 5,338 |
| Pretax return on assets | 0.1685% | 5,407 |
| Return on Equity (ROE) | 3.0846% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.1225% | 4,591 |
| Net charge-offs to loans | 0.9096% | 201 |
| Credit loss provision to net charge-offs | 13.9373% | 3,198 |
| Earnings coverage of net charge-offs (x) | 0.3763% | 3,672 |
| Efficiency ratio | 93.4026% | 309 |
| Assets per employee ($millions) | 4.7596% | 2,747 |
| Cash dividends to net income (ytd only)* | 31.1911% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 770 |
| Loan loss allowance to noncurrent loans | 62.6221% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 363 |
| Noncurrent loans to loans | 2.9659% | 436 |
| Net loans and leases to total assets | 65.6727% | 3,154 |
| Net loans and leases to deposits | 82.4005% | 2,732 |
| Net loans and leases to core deposits | 83.6920% | 3,155 |
| Total domestic deposits to total assets | 79.6994% | 4,392 |
| Equity capital to assets | 7.7592% | 5,586 |
| Core capital (leverage) ratio | 7.5450% | 5,613 |
| Tier 1 risk-based capital ratio | 11.8177% | 4,752 |
| Total risk-based capital ratio | 13.0757% | 4,617 |
| Memoranda: | ||
| Average total assets | $63,282,000 | 4,950 |
| Average earning assets | $60,263,750 | 4,905 |
| Average equity | $4,711,500 | 5,375 |
| Average total loans | $42,068,500 | 4,714 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,045 |
| Cost of funding earning assets | 0.9883% | 187 |
| Net interest margin | 3.0507% | 4,790 |
| Noninterest income to average assets | 0.5365% | 2,786 |
| Noninterest expense to average assets | 3.2219% | 1,532 |
| Loan and lease loss provision to assets | 0.0784% | 2,415 |
| Net operating income to assets | 0.2165% | 5,373 |
| Return on assets (ROA) | 0.2290% | 5,369 |
| Pretax return on assets | 0.1537% | 5,463 |
| Return on Equity (ROE) | 3.1185% | 5,081 |
| Retained earnings to average equity (ytd only) | 1.6661% | 4,591 |
| Net charge-offs to loans | 1.2580% | 153 |
| Credit loss provision to net charge-offs | 9.3985% | 2,859 |
| Earnings coverage of net charge-offs (x) | 0.2632% | 3,392 |
| Efficiency ratio | 93.6190% | 318 |
| Assets per employee ($millions) | 4.9742% | 2,422 |
| Cash dividends to net income (ytd only)* | 46.5753% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 786 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.7134% | 829 |
| Noncurrent loans to loans | 1.5583% | 1,199 |
| Net loans and leases to total assets | 63.4068% | 3,469 |
| Net loans and leases to deposits | 78.9974% | 3,020 |
| Net loans and leases to core deposits | 82.9094% | 3,181 |
| Total domestic deposits to total assets | 80.2644% | 4,355 |
| Equity capital to assets | 7.4523% | 5,661 |
| Core capital (leverage) ratio | 7.2252% | 5,689 |
| Tier 1 risk-based capital ratio | 11.5229% | 4,942 |
| Total risk-based capital ratio | 12.7823% | 4,833 |
| Memoranda: | ||
| Average total assets | $63,751,000 | 4,977 |
| Average earning assets | $60,708,000 | 4,934 |
| Average equity | $4,681,670 | 5,420 |
| Average total loans | $42,290,000 | 4,737 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 2,869 |
| Cost of funding earning assets | 0.9951% | 170 |
| Net interest margin | 3.0516% | 4,786 |
| Noninterest income to average assets | 0.5498% | 2,665 |
| Noninterest expense to average assets | 2.8944% | 2,466 |
| Loan and lease loss provision to assets | 0.0316% | 3,151 |
| Net operating income to assets | 0.5309% | 4,462 |
| Return on assets (ROA) | 0.5309% | 4,504 |
| Pretax return on assets | 0.5309% | 4,898 |
| Return on Equity (ROE) | 7.2838% | 3,277 |
| Retained earnings to average equity (ytd only) | 4.3356% | 3,256 |
| Net charge-offs to loans | 0.4043% | 454 |
| Credit loss provision to net charge-offs | 11.6279% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.0698% | 2,643 |
| Efficiency ratio | 83.7294% | 995 |
| Assets per employee ($millions) | 5.3009% | 2,074 |
| Cash dividends to net income (ytd only)* | 40.4762% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3262% | 399 |
| Loan loss allowance to noncurrent loans | 60.3704% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.2667% | 281 |
| Noncurrent loans to loans | 3.8532% | 278 |
| Net loans and leases to total assets | 64.5564% | 3,191 |
| Net loans and leases to deposits | 77.6716% | 3,017 |
| Net loans and leases to core deposits | 81.4620% | 3,145 |
| Total domestic deposits to total assets | 83.1146% | 3,795 |
| Equity capital to assets | 7.3148% | 5,717 |
| Core capital (leverage) ratio | 7.5476% | 5,697 |
| Tier 1 risk-based capital ratio | 10.3992% | 5,589 |
| Total risk-based capital ratio | 11.6601% | 5,504 |
| Memoranda: | ||
| Average total assets | $63,294,000 | 5,044 |
| Average earning assets | $60,296,500 | 4,996 |
| Average equity | $4,613,000 | 5,487 |
| Average total loans | $42,546,500 | 4,772 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 2,781 |
| Cost of funding earning assets | 1.0141% | 158 |
| Net interest margin | 3.1029% | 4,717 |
| Noninterest income to average assets | 0.4776% | 3,361 |
| Noninterest expense to average assets | 3.1401% | 1,926 |
| Loan and lease loss provision to assets | 0.0807% | 2,746 |
| Net operating income to assets | 0.2243% | 5,372 |
| Return on assets (ROA) | 0.4115% | 4,983 |
| Pretax return on assets | 0.4115% | 5,209 |
| Return on Equity (ROE) | 4.8867% | 4,482 |
| Retained earnings to average equity (ytd only) | 3.1620% | 3,661 |
| Net charge-offs to loans | 0.1194% | 2,060 |
| Credit loss provision to net charge-offs | 104.1667% | 2,486 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,588 |
| Efficiency ratio | 91.1475% | 498 |
| Assets per employee ($millions) | 4.8822% | 2,525 |
| Cash dividends to net income (ytd only)* | 35.2941% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 3,002 |
| Loan loss allowance to noncurrent loans | 110.2941% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.4700% | 1,152 |
| Noncurrent loans to loans | 1.1057% | 1,873 |
| Net loans and leases to total assets | 67.0023% | 2,930 |
| Net loans and leases to deposits | 82.0898% | 2,661 |
| Net loans and leases to core deposits | 86.1737% | 2,833 |
| Total domestic deposits to total assets | 81.6207% | 4,172 |
| Equity capital to assets | 7.9788% | 5,577 |
| Core capital (leverage) ratio | 8.2423% | 5,481 |
| Tier 1 risk-based capital ratio | 11.1351% | 5,267 |
| Total risk-based capital ratio | 12.2580% | 5,233 |
| Memoranda: | ||
| Average total assets | $61,972,400 | 5,091 |
| Average earning assets | $59,266,400 | 5,039 |
| Average equity | $5,218,200 | 5,430 |
| Average total loans | $40,197,400 | 4,876 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 2,827 |
| Cost of funding earning assets | 1.0199% | 155 |
| Net interest margin | 3.0935% | 4,788 |
| Noninterest income to average assets | 0.4719% | 3,418 |
| Noninterest expense to average assets | 3.2251% | 1,721 |
| Loan and lease loss provision to assets | 0.0866% | 2,495 |
| Net operating income to assets | 0.1147% | 5,608 |
| Return on assets (ROA) | 0.3615% | 5,224 |
| Pretax return on assets | 0.3615% | 5,365 |
| Return on Equity (ROE) | 4.2357% | 4,817 |
| Retained earnings to average equity (ytd only) | 2.3334% | 4,524 |
| Net charge-offs to loans | 0.1655% | 1,383 |
| Credit loss provision to net charge-offs | 81.6327% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.8981% | 3,645 |
| Efficiency ratio | 94.1251% | 382 |
| Assets per employee ($millions) | 4.4282% | 3,198 |
| Cash dividends to net income (ytd only)* | 44.9115% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,865 |
| Loan loss allowance to noncurrent loans | 139.6739% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 1,358 |
| Noncurrent loans to loans | 0.9058% | 2,433 |
| Net loans and leases to total assets | 64.7004% | 3,311 |
| Net loans and leases to deposits | 77.7873% | 3,209 |
| Net loans and leases to core deposits | 81.6659% | 3,311 |
| Total domestic deposits to total assets | 83.1761% | 3,524 |
| Equity capital to assets | 8.6120% | 5,464 |
| Core capital (leverage) ratio | 8.2722% | 5,518 |
| Tier 1 risk-based capital ratio | 11.8783% | 4,864 |
| Total risk-based capital ratio | 13.0679% | 4,802 |
| Memoranda: | ||
| Average total assets | $61,598,500 | 5,153 |
| Average earning assets | $58,831,000 | 5,095 |
| Average equity | $5,256,750 | 5,476 |
| Average total loans | $39,484,250 | 4,941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 2,902 |
| Cost of funding earning assets | 1.0117% | 161 |
| Net interest margin | 3.0793% | 4,888 |
| Noninterest income to average assets | 0.4718% | 3,396 |
| Noninterest expense to average assets | 3.2408% | 1,713 |
| Loan and lease loss provision to assets | 0.1302% | 1,757 |
| Net operating income to assets | 0.0423% | 5,732 |
| Return on assets (ROA) | 0.2896% | 5,435 |
| Pretax return on assets | 0.2896% | 5,515 |
| Return on Equity (ROE) | 3.4039% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.8740% | 4,616 |
| Net charge-offs to loans | 0.1944% | 1,181 |
| Credit loss provision to net charge-offs | 105.2632% | 2,026 |
| Earnings coverage of net charge-offs (x) | 1.3947% | 3,415 |
| Efficiency ratio | 94.9476% | 381 |
| Assets per employee ($millions) | 4.4252% | 3,173 |
| Cash dividends to net income (ytd only)* | 44.9438% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,721 |
| Loan loss allowance to noncurrent loans | 147.8873% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 1,333 |
| Noncurrent loans to loans | 0.8877% | 2,516 |
| Net loans and leases to total assets | 63.7064% | 3,410 |
| Net loans and leases to deposits | 76.7800% | 3,297 |
| Net loans and leases to core deposits | 80.6127% | 3,404 |
| Total domestic deposits to total assets | 82.9726% | 3,668 |
| Equity capital to assets | 8.7163% | 5,471 |
| Core capital (leverage) ratio | 8.2086% | 5,596 |
| Tier 1 risk-based capital ratio | 11.5687% | 5,107 |
| Total risk-based capital ratio | 12.7619% | 5,032 |
| Memoranda: | ||
| Average total assets | $61,466,330 | 5,211 |
| Average earning assets | $58,715,000 | 5,143 |
| Average equity | $5,229,330 | 5,537 |
| Average total loans | $39,104,000 | 5,001 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 2,910 |
| Cost of funding earning assets | 1.0055% | 164 |
| Net interest margin | 3.0780% | 4,926 |
| Noninterest income to average assets | 0.4965% | 3,144 |
| Noninterest expense to average assets | 3.1426% | 1,976 |
| Loan and lease loss provision to assets | 0.1960% | 1,005 |
| Net operating income to assets | 0.0980% | 5,682 |
| Return on assets (ROA) | 0.1699% | 5,642 |
| Pretax return on assets | 0.1699% | 5,670 |
| Return on Equity (ROE) | 2.0218% | 5,496 |
| Retained earnings to average equity (ytd only) | 0.0778% | 5,087 |
| Net charge-offs to loans | 0.0621% | 1,877 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,145 |
| Efficiency ratio | 91.4449% | 583 |
| Assets per employee ($millions) | 4.4077% | 3,236 |
| Cash dividends to net income (ytd only)* | 96.1538% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 2,401 |
| Loan loss allowance to noncurrent loans | 126.9142% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 1,018 |
| Noncurrent loans to loans | 1.1061% | 2,190 |
| Net loans and leases to total assets | 62.2594% | 3,491 |
| Net loans and leases to deposits | 74.7728% | 3,342 |
| Net loans and leases to core deposits | 78.5006% | 3,447 |
| Total domestic deposits to total assets | 83.2647% | 3,804 |
| Equity capital to assets | 8.4884% | 5,573 |
| Core capital (leverage) ratio | 8.2363% | 5,621 |
| Tier 1 risk-based capital ratio | 11.6951% | 5,108 |
| Total risk-based capital ratio | 12.9454% | 5,020 |
| Memoranda: | ||
| Average total assets | $61,223,000 | 5,262 |
| Average earning assets | $58,479,000 | 5,201 |
| Average equity | $5,144,000 | 5,597 |
| Average total loans | $38,659,500 | 5,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,093 |
| Cost of funding earning assets | 1.0363% | 139 |
| Net interest margin | 3.0184% | 5,093 |
| Noninterest income to average assets | 0.5511% | 3,004 |
| Noninterest expense to average assets | 2.9401% | 2,727 |
| Loan and lease loss provision to assets | 0.1238% | 1,942 |
| Net operating income to assets | 0.3171% | 5,309 |
| Return on assets (ROA) | 0.4595% | 4,926 |
| Pretax return on assets | 0.4595% | 5,205 |
| Return on Equity (ROE) | 5.5128% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.4957% | 2,784 |
| Net charge-offs to loans | 0.5000% | 531 |
| Credit loss provision to net charge-offs | 40.7821% | 3,523 |
| Earnings coverage of net charge-offs (x) | 1.4525% | 4,084 |
| Efficiency ratio | 86.9609% | 913 |
| Assets per employee ($millions) | 4.6722% | 2,772 |
| Cash dividends to net income (ytd only)* | 18.4502% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,591 |
| Loan loss allowance to noncurrent loans | 119.4064% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 1,018 |
| Noncurrent loans to loans | 1.1420% | 2,057 |
| Net loans and leases to total assets | 62.2839% | 3,517 |
| Net loans and leases to deposits | 75.1117% | 3,373 |
| Net loans and leases to core deposits | 78.9260% | 3,450 |
| Total domestic deposits to total assets | 82.9217% | 3,862 |
| Equity capital to assets | 8.3144% | 5,695 |
| Core capital (leverage) ratio | 8.2527% | 5,642 |
| Tier 1 risk-based capital ratio | 11.6545% | 5,160 |
| Total risk-based capital ratio | 12.8884% | 5,084 |
| Memoranda: | ||
| Average total assets | $58,978,200 | 5,343 |
| Average earning assets | $55,294,200 | 5,315 |
| Average equity | $4,915,800 | 5,672 |
| Average total loans | $35,800,000 | 5,160 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 3,090 |
| Cost of funding earning assets | 1.0328% | 151 |
| Net interest margin | 3.0300% | 5,125 |
| Noninterest income to average assets | 0.5899% | 2,804 |
| Noninterest expense to average assets | 2.9427% | 2,697 |
| Loan and lease loss provision to assets | 0.1321% | 1,698 |
| Net operating income to assets | 0.3417% | 5,339 |
| Return on assets (ROA) | 0.5056% | 4,855 |
| Pretax return on assets | 0.5056% | 5,203 |
| Return on Equity (ROE) | 6.0626% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.1069% | 2,841 |
| Net charge-offs to loans | 0.6674% | 326 |
| Credit loss provision to net charge-offs | 32.9545% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,874 |
| Efficiency ratio | 86.1333% | 995 |
| Assets per employee ($millions) | 4.5855% | 2,860 |
| Cash dividends to net income (ytd only)* | 15.7674% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 2,443 |
| Loan loss allowance to noncurrent loans | 94.8052% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0633% | 971 |
| Noncurrent loans to loans | 1.5108% | 1,664 |
| Net loans and leases to total assets | 58.9898% | 4,011 |
| Net loans and leases to deposits | 70.9258% | 3,887 |
| Net loans and leases to core deposits | 74.5827% | 3,950 |
| Total domestic deposits to total assets | 83.1712% | 3,745 |
| Equity capital to assets | 8.2970% | 5,829 |
| Core capital (leverage) ratio | 8.2967% | 5,720 |
| Tier 1 risk-based capital ratio | 12.3007% | 4,887 |
| Total risk-based capital ratio | 13.5493% | 4,788 |
| Memoranda: | ||
| Average total assets | $58,538,250 | 5,422 |
| Average earning assets | $54,609,000 | 5,394 |
| Average equity | $4,882,250 | 5,755 |
| Average total loans | $35,161,750 | 5,243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,031 |
| Cost of funding earning assets | 1.0356% | 141 |
| Net interest margin | 3.0289% | 5,153 |
| Noninterest income to average assets | 0.5603% | 2,976 |
| Noninterest expense to average assets | 2.9873% | 2,595 |
| Loan and lease loss provision to assets | 0.1478% | 1,449 |
| Net operating income to assets | 0.2303% | 5,626 |
| Return on assets (ROA) | 0.4709% | 4,983 |
| Pretax return on assets | 0.4709% | 5,300 |
| Return on Equity (ROE) | 5.6367% | 4,306 |
| Retained earnings to average equity (ytd only) | 4.1967% | 3,363 |
| Net charge-offs to loans | 0.7031% | 326 |
| Credit loss provision to net charge-offs | 34.9593% | 2,872 |
| Earnings coverage of net charge-offs (x) | 0.8943% | 3,607 |
| Efficiency ratio | 88.7640% | 850 |
| Assets per employee ($millions) | 4.4566% | 3,054 |
| Cash dividends to net income (ytd only)* | 25.5474% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,051 |
| Loan loss allowance to noncurrent loans | 88.4058% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 803 |
| Noncurrent loans to loans | 1.7643% | 1,451 |
| Net loans and leases to total assets | 59.8074% | 3,863 |
| Net loans and leases to deposits | 69.1824% | 4,021 |
| Net loans and leases to core deposits | 72.4971% | 4,088 |
| Total domestic deposits to total assets | 86.4488% | 2,460 |
| Equity capital to assets | 8.1952% | 5,882 |
| Core capital (leverage) ratio | 8.2825% | 5,724 |
| Tier 1 risk-based capital ratio | 12.0936% | 5,080 |
| Total risk-based capital ratio | 13.3429% | 4,979 |
| Memoranda: | ||
| Average total assets | $58,180,330 | 5,481 |
| Average earning assets | $53,880,330 | 5,467 |
| Average equity | $4,861,000 | 5,814 |
| Average total loans | $34,990,330 | 5,297 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,209 |
| Cost of funding earning assets | 1.0575% | 129 |
| Net interest margin | 2.9492% | 5,344 |
| Noninterest income to average assets | 0.5008% | 3,281 |
| Noninterest expense to average assets | 2.8404% | 3,104 |
| Loan and lease loss provision to assets | 0.1715% | 1,149 |
| Net operating income to assets | 0.2058% | 5,670 |
| Return on assets (ROA) | 0.4254% | 5,095 |
| Pretax return on assets | 0.4254% | 5,374 |
| Return on Equity (ROE) | 5.0432% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.2298% | 3,474 |
| Net charge-offs to loans | 1.2383% | 172 |
| Credit loss provision to net charge-offs | 23.1481% | 2,335 |
| Earnings coverage of net charge-offs (x) | 0.5093% | 3,038 |
| Efficiency ratio | 88.2729% | 1,000 |
| Assets per employee ($millions) | 4.4592% | 3,120 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,098 |
| Loan loss allowance to noncurrent loans | 237.3913% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.7181% | 1,454 |
| Noncurrent loans to loans | 0.6685% | 3,610 |
| Net loans and leases to total assets | 58.4043% | 3,886 |
| Net loans and leases to deposits | 67.8307% | 3,974 |
| Net loans and leases to core deposits | 71.0923% | 4,052 |
| Total domestic deposits to total assets | 86.1032% | 2,887 |
| Equity capital to assets | 8.5337% | 5,719 |
| Core capital (leverage) ratio | 8.2024% | 5,808 |
| Tier 1 risk-based capital ratio | 14.1724% | 3,900 |
| Total risk-based capital ratio | 15.4260% | 3,824 |
| Memoranda: | ||
| Average total assets | $58,302,500 | 5,536 |
| Average earning assets | $53,710,000 | 5,521 |
| Average equity | $4,917,500 | 5,853 |
| Average total loans | $34,886,000 | 5,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,816 |
| Cost of funding earning assets | 1.1089% | 127 |
| Net interest margin | 3.1320% | 5,123 |
| Noninterest income to average assets | 0.5400% | 3,236 |
| Noninterest expense to average assets | 2.9849% | 2,888 |
| Loan and lease loss provision to assets | 0.2691% | 812 |
| Net operating income to assets | 0.2213% | 5,726 |
| Return on assets (ROA) | 0.5311% | 4,768 |
| Pretax return on assets | 0.5311% | 5,165 |
| Return on Equity (ROE) | 6.5181% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.8234% | 2,742 |
| Net charge-offs to loans | 0.2290% | 1,838 |
| Credit loss provision to net charge-offs | 194.8718% | 1,268 |
| Earnings coverage of net charge-offs (x) | 3.5513% | 3,865 |
| Efficiency ratio | 85.8889% | 1,186 |
| Assets per employee ($millions) | 4.1882% | 3,568 |
| Cash dividends to net income (ytd only)* | 26.0000% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 1,579 |
| Loan loss allowance to noncurrent loans | 439.8601% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 1,790 |
| Noncurrent loans to loans | 0.4043% | 4,425 |
| Net loans and leases to total assets | 59.2479% | 3,889 |
| Net loans and leases to deposits | 68.6263% | 4,062 |
| Net loans and leases to core deposits | 71.8645% | 4,135 |
| Total domestic deposits to total assets | 86.3341% | 2,651 |
| Equity capital to assets | 8.3363% | 5,874 |
| Core capital (leverage) ratio | 8.2175% | 5,844 |
| Tier 1 risk-based capital ratio | 13.2651% | 4,556 |
| Total risk-based capital ratio | 14.5219% | 4,478 |
| Memoranda: | ||
| Average total assets | $56,483,600 | 5,640 |
| Average earning assets | $52,937,400 | 5,594 |
| Average equity | $4,602,600 | 5,960 |
| Average total loans | $34,065,400 | 5,394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 2,841 |
| Cost of funding earning assets | 1.1073% | 138 |
| Net interest margin | 3.1322% | 5,168 |
| Noninterest income to average assets | 0.5362% | 3,282 |
| Noninterest expense to average assets | 3.0124% | 2,765 |
| Loan and lease loss provision to assets | 0.3456% | 514 |
| Net operating income to assets | 0.1311% | 5,975 |
| Return on assets (ROA) | 0.4814% | 5,018 |
| Pretax return on assets | 0.4814% | 5,375 |
| Return on Equity (ROE) | 5.9438% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,301 |
| Net charge-offs to loans | 0.3398% | 1,183 |
| Credit loss provision to net charge-offs | 168.6047% | 1,458 |
| Earnings coverage of net charge-offs (x) | 2.3257% | 3,943 |
| Efficiency ratio | 86.3388% | 1,153 |
| Assets per employee ($millions) | 4.0674% | 3,739 |
| Cash dividends to net income (ytd only)* | 21.2862% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,797 |
| Loan loss allowance to noncurrent loans | 767.5000% | 697 |
| Noncurrent assets plus other real estate owned to assets | 1.4418% | 2,140 |
| Noncurrent loans to loans | 0.2292% | 5,207 |
| Net loans and leases to total assets | 60.2153% | 3,750 |
| Net loans and leases to deposits | 69.8208% | 3,937 |
| Net loans and leases to core deposits | 73.2217% | 4,027 |
| Total domestic deposits to total assets | 86.2426% | 2,735 |
| Equity capital to assets | 8.3064% | 5,935 |
| Core capital (leverage) ratio | 8.2869% | 5,847 |
| Tier 1 risk-based capital ratio | 13.3253% | 4,661 |
| Total risk-based capital ratio | 14.5817% | 4,589 |
| Memoranda: | ||
| Average total assets | $55,945,750 | 5,713 |
| Average earning assets | $52,741,250 | 5,663 |
| Average equity | $4,531,250 | 6,042 |
| Average total loans | $33,739,500 | 5,461 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,811 |
| Cost of funding earning assets | 1.0931% | 152 |
| Net interest margin | 3.1464% | 5,105 |
| Noninterest income to average assets | 0.5538% | 3,089 |
| Noninterest expense to average assets | 2.9957% | 2,842 |
| Loan and lease loss provision to assets | 0.1259% | 1,961 |
| Net operating income to assets | 0.4136% | 5,159 |
| Return on assets (ROA) | 0.6689% | 4,099 |
| Pretax return on assets | 0.6689% | 4,739 |
| Return on Equity (ROE) | 8.3315% | 2,920 |
| Retained earnings to average equity (ytd only) | 6.4054% | 2,087 |
| Net charge-offs to loans | 0.1979% | 1,843 |
| Credit loss provision to net charge-offs | 106.0606% | 1,889 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,086 |
| Efficiency ratio | 84.7406% | 1,419 |
| Assets per employee ($millions) | 3.9821% | 3,879 |
| Cash dividends to net income (ytd only)* | 23.1183% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 2,379 |
| Loan loss allowance to noncurrent loans | 78.4507% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 2,244 |
| Noncurrent loans to loans | 2.0697% | 1,618 |
| Net loans and leases to total assets | 60.5356% | 3,627 |
| Net loans and leases to deposits | 69.4303% | 3,893 |
| Net loans and leases to core deposits | 72.8741% | 3,955 |
| Total domestic deposits to total assets | 87.1890% | 2,353 |
| Equity capital to assets | 8.3715% | 5,899 |
| Core capital (leverage) ratio | 8.3039% | 5,842 |
| Tier 1 risk-based capital ratio | 12.2037% | 5,414 |
| Total risk-based capital ratio | 13.4559% | 5,331 |
| Memoranda: | ||
| Average total assets | $55,613,000 | 5,774 |
| Average earning assets | $52,695,670 | 5,713 |
| Average equity | $4,465,000 | 6,103 |
| Average total loans | $33,351,670 | 5,520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,614 |
| Cost of funding earning assets | 1.0955% | 167 |
| Net interest margin | 3.1792% | 4,988 |
| Noninterest income to average assets | 0.5329% | 3,171 |
| Noninterest expense to average assets | 3.0390% | 2,733 |
| Loan and lease loss provision to assets | 0.1080% | 2,133 |
| Net operating income to assets | 0.3745% | 5,207 |
| Return on assets (ROA) | 0.5689% | 4,433 |
| Pretax return on assets | 0.5689% | 4,938 |
| Return on Equity (ROE) | 7.2411% | 3,331 |
| Retained earnings to average equity (ytd only) | 6.6911% | 2,193 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2986% | 1,418 |
| Assets per employee ($millions) | 4.0789% | 3,761 |
| Cash dividends to net income (ytd only)* | 7.5949% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 2,225 |
| Loan loss allowance to noncurrent loans | 90.0474% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 2,723 |
| Noncurrent loans to loans | 1.9303% | 1,950 |
| Net loans and leases to total assets | 56.4276% | 4,089 |
| Net loans and leases to deposits | 65.0720% | 4,199 |
| Net loans and leases to core deposits | 68.2373% | 4,282 |
| Total domestic deposits to total assets | 86.7157% | 2,986 |
| Equity capital to assets | 7.8487% | 6,148 |
| Core capital (leverage) ratio | 8.4096% | 5,739 |
| Tier 1 risk-based capital ratio | 13.8116% | 4,462 |
| Total risk-based capital ratio | 15.0660% | 4,408 |
| Memoranda: | ||
| Average total assets | $55,545,000 | 5,828 |
| Average earning assets | $52,215,000 | 5,782 |
| Average equity | $4,364,000 | 6,169 |
| Average total loans | $32,875,000 | 5,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 2,701 |
| Cost of funding earning assets | 1.2940% | 112 |
| Net interest margin | 3.0734% | 5,395 |
| Noninterest income to average assets | 0.5149% | 3,665 |
| Noninterest expense to average assets | 2.8773% | 3,438 |
| Loan and lease loss provision to assets | 0.1372% | 2,589 |
| Net operating income to assets | 0.3571% | 5,308 |
| Return on assets (ROA) | 0.4116% | 5,220 |
| Pretax return on assets | 0.4116% | 5,471 |
| Return on Equity (ROE) | 4.8958% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.7884% | 4,957 |
| Net charge-offs to loans | 0.3191% | 2,087 |
| Credit loss provision to net charge-offs | 71.5686% | 3,261 |
| Earnings coverage of net charge-offs (x) | 2.5784% | 4,142 |
| Efficiency ratio | 85.3400% | 1,484 |
| Assets per employee ($millions) | 4.1527% | 3,526 |
| Cash dividends to net income (ytd only)* | 63.4703% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 2,449 |
| Loan loss allowance to noncurrent loans | 47.0738% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 1,614 |
| Noncurrent loans to loans | 3.5774% | 863 |
| Net loans and leases to total assets | 60.0204% | 3,718 |
| Net loans and leases to deposits | 68.1058% | 4,040 |
| Net loans and leases to core deposits | 70.5357% | 4,239 |
| Total domestic deposits to total assets | 88.1282% | 2,102 |
| Equity capital to assets | 7.8651% | 6,106 |
| Core capital (leverage) ratio | 8.3538% | 5,821 |
| Tier 1 risk-based capital ratio | 13.6623% | 4,542 |
| Total risk-based capital ratio | 14.9173% | 4,488 |
| Memoranda: | ||
| Average total assets | $53,210,400 | 5,933 |
| Average earning assets | $49,457,400 | 5,906 |
| Average equity | $4,473,200 | 6,212 |
| Average total loans | $31,968,000 | 5,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,704 |
| Cost of funding earning assets | 1.3257% | 110 |
| Net interest margin | 3.0406% | 5,488 |
| Noninterest income to average assets | 0.5181% | 3,688 |
| Noninterest expense to average assets | 2.7613% | 3,788 |
| Loan and lease loss provision to assets | 0.1132% | 2,880 |
| Net operating income to assets | 0.4527% | 5,017 |
| Return on assets (ROA) | 0.4602% | 5,122 |
| Pretax return on assets | 0.4602% | 5,475 |
| Return on Equity (ROE) | 5.3861% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.0029% | 3,851 |
| Net charge-offs to loans | 0.2816% | 2,132 |
| Credit loss provision to net charge-offs | 67.1642% | 3,128 |
| Earnings coverage of net charge-offs (x) | 3.3582% | 3,728 |
| Efficiency ratio | 82.9932% | 1,707 |
| Assets per employee ($millions) | 4.1582% | 3,506 |
| Cash dividends to net income (ytd only)* | 25.6855% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 2,633 |
| Loan loss allowance to noncurrent loans | 62.0309% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 2,227 |
| Noncurrent loans to loans | 2.7335% | 1,542 |
| Net loans and leases to total assets | 60.2734% | 3,657 |
| Net loans and leases to deposits | 68.4971% | 4,006 |
| Net loans and leases to core deposits | 70.9415% | 4,217 |
| Total domestic deposits to total assets | 87.9942% | 2,133 |
| Equity capital to assets | 8.0785% | 6,093 |
| Core capital (leverage) ratio | 8.4267% | 5,834 |
| Tier 1 risk-based capital ratio | 13.8805% | 4,516 |
| Total risk-based capital ratio | 15.1371% | 4,466 |
| Memoranda: | ||
| Average total assets | $53,016,750 | 6,008 |
| Average earning assets | $48,980,250 | 5,990 |
| Average equity | $4,530,000 | 6,275 |
| Average total loans | $31,720,750 | 5,738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 2,482 |
| Cost of funding earning assets | 1.3455% | 116 |
| Net interest margin | 3.0772% | 5,342 |
| Noninterest income to average assets | 0.4974% | 3,857 |
| Noninterest expense to average assets | 2.7036% | 4,017 |
| Loan and lease loss provision to assets | 0.1139% | 2,914 |
| Net operating income to assets | 0.4936% | 4,826 |
| Return on assets (ROA) | 0.5050% | 4,943 |
| Pretax return on assets | 0.5050% | 5,355 |
| Return on Equity (ROE) | 5.8024% | 4,288 |
| Retained earnings to average equity (ytd only) | 4.0573% | 3,717 |
| Net charge-offs to loans | 0.3904% | 1,660 |
| Credit loss provision to net charge-offs | 49.1803% | 3,226 |
| Earnings coverage of net charge-offs (x) | 2.6230% | 3,649 |
| Efficiency ratio | 81.6514% | 1,937 |
| Assets per employee ($millions) | 4.0790% | 3,624 |
| Cash dividends to net income (ytd only)* | 30.0752% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 2,727 |
| Loan loss allowance to noncurrent loans | 102.7881% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 3,374 |
| Noncurrent loans to loans | 1.6675% | 2,813 |
| Net loans and leases to total assets | 59.7997% | 3,691 |
| Net loans and leases to deposits | 68.1540% | 3,987 |
| Net loans and leases to core deposits | 70.6299% | 4,202 |
| Total domestic deposits to total assets | 87.7421% | 2,419 |
| Equity capital to assets | 8.2524% | 6,016 |
| Core capital (leverage) ratio | 8.4478% | 5,727 |
| Tier 1 risk-based capital ratio | 14.1149% | 4,348 |
| Total risk-based capital ratio | 15.3702% | 4,306 |
| Memoranda: | ||
| Average total assets | $52,670,000 | 6,058 |
| Average earning assets | $48,160,670 | 6,037 |
| Average equity | $4,584,330 | 6,306 |
| Average total loans | $31,246,330 | 5,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 2,034 |
| Cost of funding earning assets | 1.3491% | 126 |
| Net interest margin | 3.1874% | 4,965 |
| Noninterest income to average assets | 0.4801% | 3,922 |
| Noninterest expense to average assets | 2.7357% | 3,932 |
| Loan and lease loss provision to assets | 0.1905% | 1,933 |
| Net operating income to assets | 0.4344% | 4,982 |
| Return on assets (ROA) | 0.4344% | 5,141 |
| Pretax return on assets | 0.4344% | 5,455 |
| Return on Equity (ROE) | 4.8630% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,576 |
| Net charge-offs to loans | 0.7157% | 857 |
| Credit loss provision to net charge-offs | 45.4545% | 2,673 |
| Earnings coverage of net charge-offs (x) | 1.4909% | 3,334 |
| Efficiency ratio | 81.4059% | 2,129 |
| Assets per employee ($millions) | 4.1200% | 3,698 |
| Cash dividends to net income (ytd only)* | 8.7719% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 2,588 |
| Loan loss allowance to noncurrent loans | 346.2500% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 5,209 |
| Noncurrent loans to loans | 0.5228% | 5,129 |
| Net loans and leases to total assets | 56.1072% | 4,064 |
| Net loans and leases to deposits | 64.3380% | 4,278 |
| Net loans and leases to core deposits | 66.2938% | 4,495 |
| Total domestic deposits to total assets | 87.2069% | 2,828 |
| Equity capital to assets | 8.7416% | 5,771 |
| Core capital (leverage) ratio | 8.5417% | 5,527 |
| Tier 1 risk-based capital ratio | 14.6290% | 4,084 |
| Total risk-based capital ratio | 15.8863% | 4,041 |
| Memoranda: | ||
| Average total assets | $52,491,500 | 6,112 |
| Average earning assets | $47,437,500 | 6,113 |
| Average equity | $4,688,500 | 6,339 |
| Average total loans | $30,738,000 | 5,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 1,710 |
| Cost of funding earning assets | 1.4406% | 214 |
| Net interest margin | 3.5011% | 4,496 |
| Noninterest income to average assets | 0.4399% | 4,324 |
| Noninterest expense to average assets | 2.8852% | 3,696 |
| Loan and lease loss provision to assets | 0.4844% | 1,261 |
| Net operating income to assets | 0.3100% | 5,433 |
| Return on assets (ROA) | 0.5774% | 4,610 |
| Pretax return on assets | 0.5774% | 5,063 |
| Return on Equity (ROE) | 6.4346% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.8152% | 2,836 |
| Net charge-offs to loans | 0.9150% | 1,232 |
| Credit loss provision to net charge-offs | 88.9680% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.4591% | 4,716 |
| Efficiency ratio | 78.4097% | 2,373 |
| Assets per employee ($millions) | 3.6731% | 4,619 |
| Cash dividends to net income (ytd only)* | 25.1678% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 2,317 |
| Loan loss allowance to noncurrent loans | 270.3704% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 4,920 |
| Noncurrent loans to loans | 0.6997% | 4,790 |
| Net loans and leases to total assets | 58.8978% | 3,818 |
| Net loans and leases to deposits | 68.0194% | 3,979 |
| Net loans and leases to core deposits | 70.1852% | 4,285 |
| Total domestic deposits to total assets | 86.5897% | 3,044 |
| Equity capital to assets | 9.1302% | 5,361 |
| Core capital (leverage) ratio | 9.0483% | 4,819 |
| Tier 1 risk-based capital ratio | 14.6138% | 3,955 |
| Total risk-based capital ratio | 15.8713% | 3,907 |
| Memoranda: | ||
| Average total assets | $51,608,000 | 6,158 |
| Average earning assets | $47,756,800 | 6,129 |
| Average equity | $4,631,200 | 6,403 |
| Average total loans | $30,711,600 | 5,914 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 1,745 |
| Cost of funding earning assets | 1.4620% | 238 |
| Net interest margin | 3.5172% | 4,577 |
| Noninterest income to average assets | 0.4440% | 4,334 |
| Noninterest expense to average assets | 2.8135% | 3,938 |
| Loan and lease loss provision to assets | 0.5162% | 1,176 |
| Net operating income to assets | 0.3743% | 5,357 |
| Return on assets (ROA) | 0.5111% | 5,062 |
| Pretax return on assets | 0.5111% | 5,433 |
| Return on Equity (ROE) | 5.7200% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.7090% | 3,588 |
| Net charge-offs to loans | 0.9129% | 1,191 |
| Credit loss provision to net charge-offs | 95.2381% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.6429% | 4,457 |
| Efficiency ratio | 75.9582% | 2,688 |
| Assets per employee ($millions) | 3.8929% | 4,104 |
| Cash dividends to net income (ytd only)* | 17.6787% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 2,202 |
| Loan loss allowance to noncurrent loans | 156.3307% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 4,291 |
| Noncurrent loans to loans | 1.2709% | 3,927 |
| Net loans and leases to total assets | 58.9768% | 3,962 |
| Net loans and leases to deposits | 68.3702% | 4,118 |
| Net loans and leases to core deposits | 70.5920% | 4,422 |
| Total domestic deposits to total assets | 86.2611% | 3,112 |
| Equity capital to assets | 9.2950% | 5,475 |
| Core capital (leverage) ratio | 8.5591% | 5,678 |
| Tier 1 risk-based capital ratio | 14.6273% | 4,097 |
| Total risk-based capital ratio | 15.8865% | 4,057 |
| Memoranda: | ||
| Average total assets | $51,654,250 | 6,229 |
| Average earning assets | $47,878,250 | 6,200 |
| Average equity | $4,615,250 | 6,482 |
| Average total loans | $30,671,750 | 5,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 1,508 |
| Cost of funding earning assets | 1.4827% | 255 |
| Net interest margin | 3.6152% | 4,197 |
| Noninterest income to average assets | 0.4154% | 4,541 |
| Noninterest expense to average assets | 2.7229% | 4,312 |
| Loan and lease loss provision to assets | 0.6923% | 799 |
| Net operating income to assets | 0.3384% | 5,470 |
| Return on assets (ROA) | 0.4269% | 5,354 |
| Pretax return on assets | 0.4269% | 5,641 |
| Return on Equity (ROE) | 4.8412% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.3147% | 4,396 |
| Net charge-offs to loans | 1.2945% | 827 |
| Credit loss provision to net charge-offs | 90.4523% | 3,035 |
| Earnings coverage of net charge-offs (x) | 1.3467% | 4,329 |
| Efficiency ratio | 72.5410% | 3,335 |
| Assets per employee ($millions) | 4.0554% | 3,757 |
| Cash dividends to net income (ytd only)* | 31.5315% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,346 |
| Loan loss allowance to noncurrent loans | 156.8421% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 4,488 |
| Noncurrent loans to loans | 1.2488% | 4,054 |
| Net loans and leases to total assets | 56.5895% | 4,385 |
| Net loans and leases to deposits | 67.8786% | 4,223 |
| Net loans and leases to core deposits | 70.0608% | 4,528 |
| Total domestic deposits to total assets | 83.3687% | 4,590 |
| Equity capital to assets | 8.7633% | 5,956 |
| Core capital (leverage) ratio | 8.2494% | 5,995 |
| Tier 1 risk-based capital ratio | 14.0756% | 4,385 |
| Total risk-based capital ratio | 15.3354% | 4,343 |
| Memoranda: | ||
| Average total assets | $52,003,000 | 6,261 |
| Average earning assets | $48,020,000 | 6,232 |
| Average equity | $4,585,670 | 6,520 |
| Average total loans | $30,745,000 | 6,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 1,747 |
| Cost of funding earning assets | 1.4907% | 297 |
| Net interest margin | 3.5510% | 4,482 |
| Noninterest income to average assets | 0.4880% | 3,994 |
| Noninterest expense to average assets | 2.7341% | 4,302 |
| Loan and lease loss provision to assets | 0.4647% | 1,325 |
| Net operating income to assets | 0.5731% | 4,476 |
| Return on assets (ROA) | 0.7513% | 3,850 |
| Pretax return on assets | 0.7513% | 4,600 |
| Return on Equity (ROE) | 8.4929% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,780 |
| Net charge-offs to loans | 0.7378% | 1,382 |
| Credit loss provision to net charge-offs | 105.2632% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.3509% | 3,233 |
| Efficiency ratio | 72.4846% | 3,344 |
| Assets per employee ($millions) | 4.0249% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 2,288 |
| Loan loss allowance to noncurrent loans | 55.8266% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.3450% | 2,541 |
| Noncurrent loans to loans | 3.6243% | 1,715 |
| Net loans and leases to total assets | 57.1936% | 4,187 |
| Net loans and leases to deposits | 68.5810% | 3,953 |
| Net loans and leases to core deposits | 70.8023% | 4,320 |
| Total domestic deposits to total assets | 83.3958% | 4,763 |
| Equity capital to assets | 8.7474% | 5,811 |
| Core capital (leverage) ratio | 8.4522% | 5,671 |
| Tier 1 risk-based capital ratio | 14.0173% | 4,465 |
| Total risk-based capital ratio | 15.2755% | 4,419 |
| Memoranda: | ||
| Average total assets | $51,644,500 | 6,319 |
| Average earning assets | $47,761,500 | 6,281 |
| Average equity | $4,568,500 | 6,556 |
| Average total loans | $30,902,500 | 6,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 1,440 |
| Cost of funding earning assets | 1.6415% | 406 |
| Net interest margin | 3.7492% | 4,084 |
| Noninterest income to average assets | 0.5223% | 3,702 |
| Noninterest expense to average assets | 2.8585% | 4,135 |
| Loan and lease loss provision to assets | 0.9369% | 1,026 |
| Net operating income to assets | 0.2372% | 5,471 |
| Return on assets (ROA) | 0.4226% | 4,954 |
| Pretax return on assets | 0.4226% | 5,222 |
| Return on Equity (ROE) | 5.0932% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.1712% | 3,958 |
| Net charge-offs to loans | 0.4194% | 3,333 |
| Credit loss provision to net charge-offs | 364.3411% | 637 |
| Earnings coverage of net charge-offs (x) | 4.5659% | 3,064 |
| Efficiency ratio | 70.8848% | 3,800 |
| Assets per employee ($millions) | 3.9204% | 4,032 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9673% | 2,380 |
| Loan loss allowance to noncurrent loans | 55.1570% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.3840% | 2,543 |
| Noncurrent loans to loans | 3.5667% | 1,794 |
| Net loans and leases to total assets | 60.1315% | 3,969 |
| Net loans and leases to deposits | 72.5590% | 3,725 |
| Net loans and leases to core deposits | 74.9804% | 4,104 |
| Total domestic deposits to total assets | 82.8726% | 4,798 |
| Equity capital to assets | 8.9473% | 5,610 |
| Core capital (leverage) ratio | 8.3586% | 5,765 |
| Tier 1 risk-based capital ratio | 13.6325% | 4,604 |
| Total risk-based capital ratio | 14.8911% | 4,557 |
| Memoranda: | ||
| Average total assets | $50,166,200 | 6,359 |
| Average earning assets | $46,969,600 | 6,298 |
| Average equity | $4,162,400 | 6,712 |
| Average total loans | $30,756,600 | 6,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 1,421 |
| Cost of funding earning assets | 1.6782% | 432 |
| Net interest margin | 3.7588% | 4,071 |
| Noninterest income to average assets | 0.5257% | 3,692 |
| Noninterest expense to average assets | 2.8712% | 4,054 |
| Loan and lease loss provision to assets | 1.2168% | 638 |
| Net operating income to assets | -0.0480% | 6,217 |
| Return on assets (ROA) | -0.0480% | 6,314 |
| Pretax return on assets | -0.0480% | 6,277 |
| Return on Equity (ROE) | -0.5907% | 6,330 |
| Retained earnings to average equity (ytd only) | -2.2314% | 6,323 |
| Net charge-offs to loans | 0.3395% | 3,397 |
| Credit loss provision to net charge-offs | 584.6154% | 465 |
| Earnings coverage of net charge-offs (x) | 5.6153% | 2,737 |
| Efficiency ratio | 71.0700% | 3,728 |
| Assets per employee ($millions) | 3.9387% | 3,980 |
| Cash dividends to net income (ytd only)* | -277.7917% | 7,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 2,092 |
| Loan loss allowance to noncurrent loans | 65.9252% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 2.1483% | 2,978 |
| Noncurrent loans to loans | 3.1670% | 2,193 |
| Net loans and leases to total assets | 59.7153% | 4,182 |
| Net loans and leases to deposits | 71.6922% | 4,030 |
| Net loans and leases to core deposits | 74.0590% | 4,435 |
| Total domestic deposits to total assets | 83.2939% | 4,562 |
| Equity capital to assets | 8.5425% | 6,255 |
| Core capital (leverage) ratio | 8.0598% | 6,330 |
| Tier 1 risk-based capital ratio | 13.0122% | 5,090 |
| Total risk-based capital ratio | 14.2736% | 5,050 |
| Memoranda: | ||
| Average total assets | $49,966,500 | 6,421 |
| Average earning assets | $46,716,500 | 6,356 |
| Average equity | $4,063,000 | 6,785 |
| Average total loans | $30,630,500 | 6,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4387% | 1,451 |
| Cost of funding earning assets | 1.7209% | 431 |
| Net interest margin | 3.7178% | 4,183 |
| Noninterest income to average assets | 0.5166% | 3,733 |
| Noninterest expense to average assets | 2.8292% | 4,313 |
| Loan and lease loss provision to assets | 1.5982% | 437 |
| Net operating income to assets | -0.4318% | 6,643 |
| Return on assets (ROA) | -0.4318% | 6,668 |
| Pretax return on assets | -0.4318% | 6,611 |
| Return on Equity (ROE) | -5.4050% | 6,739 |
| Retained earnings to average equity (ytd only) | -6.1627% | 6,669 |
| Net charge-offs to loans | 0.4798% | 2,661 |
| Credit loss provision to net charge-offs | 542.4658% | 566 |
| Earnings coverage of net charge-offs (x) | 3.9589% | 3,007 |
| Efficiency ratio | 70.8081% | 3,964 |
| Assets per employee ($millions) | 3.8912% | 4,008 |
| Cash dividends to net income (ytd only)* | -14.0187% | 7,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9533% | 2,497 |
| Loan loss allowance to noncurrent loans | 63.4431% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 3,000 |
| Noncurrent loans to loans | 3.0789% | 2,341 |
| Net loans and leases to total assets | 59.2377% | 4,421 |
| Net loans and leases to deposits | 71.5128% | 4,201 |
| Net loans and leases to core deposits | 71.5128% | 4,886 |
| Total domestic deposits to total assets | 82.8352% | 4,830 |
| Equity capital to assets | 8.1485% | 6,552 |
| Core capital (leverage) ratio | 7.9015% | 6,407 |
| Tier 1 risk-based capital ratio | 13.0654% | 4,865 |
| Total risk-based capital ratio | 14.3232% | 4,840 |
| Memoranda: | ||
| Average total assets | $49,554,330 | 6,493 |
| Average earning assets | $46,371,000 | 6,429 |
| Average equity | $3,959,330 | 6,860 |
| Average total loans | $30,431,330 | 6,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 1,454 |
| Cost of funding earning assets | 1.7346% | 483 |
| Net interest margin | 3.7034% | 4,083 |
| Noninterest income to average assets | 0.4813% | 4,041 |
| Noninterest expense to average assets | 2.8875% | 4,113 |
| Loan and lease loss provision to assets | 3.1078% | 152 |
| Net operating income to assets | -2.0311% | 7,285 |
| Return on assets (ROA) | -2.0311% | 7,283 |
| Pretax return on assets | -2.0311% | 7,257 |
| Return on Equity (ROE) | -25.6833% | 7,282 |
| Retained earnings to average equity (ytd only) | -27.2305% | 7,266 |
| Net charge-offs to loans | 0.7509% | 1,718 |
| Credit loss provision to net charge-offs | 668.4211% | 563 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,151 |
| Efficiency ratio | 72.8395% | 3,710 |
| Assets per employee ($millions) | 3.7983% | 4,300 |
| Cash dividends to net income (ytd only)* | -6.0241% | 7,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 2,450 |
| Loan loss allowance to noncurrent loans | 71.1905% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 3,263 |
| Noncurrent loans to loans | 2.7932% | 2,707 |
| Net loans and leases to total assets | 59.6926% | 4,328 |
| Net loans and leases to deposits | 71.7537% | 4,105 |
| Net loans and leases to core deposits | 71.7537% | 4,820 |
| Total domestic deposits to total assets | 83.1909% | 4,856 |
| Equity capital to assets | 7.6309% | 6,796 |
| Core capital (leverage) ratio | 7.7854% | 6,478 |
| Tier 1 risk-based capital ratio | 12.7139% | 5,049 |
| Total risk-based capital ratio | 13.9733% | 5,018 |
| Memoranda: | ||
| Average total assets | $49,038,500 | 6,556 |
| Average earning assets | $46,119,500 | 6,485 |
| Average equity | $3,878,000 | 6,914 |
| Average total loans | $30,365,500 | 6,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8716% | 1,098 |
| Cost of funding earning assets | 2.0360% | 529 |
| Net interest margin | 3.8356% | 3,796 |
| Noninterest income to average assets | 0.4880% | 4,265 |
| Noninterest expense to average assets | 2.9385% | 4,074 |
| Loan and lease loss provision to assets | 0.4514% | 3,416 |
| Net operating income to assets | 0.6900% | 3,270 |
| Return on assets (ROA) | 0.9028% | 2,511 |
| Pretax return on assets | 0.9028% | 3,282 |
| Return on Equity (ROE) | 10.4953% | 1,766 |
| Retained earnings to average equity (ytd only) | 8.2463% | 903 |
| Net charge-offs to loans | 0.5416% | 3,442 |
| Credit loss provision to net charge-offs | 127.2727% | 3,164 |
| Earnings coverage of net charge-offs (x) | 3.2182% | 3,467 |
| Efficiency ratio | 72.0232% | 3,789 |
| Assets per employee ($millions) | 3.7461% | 4,373 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,743 |
| Loan loss allowance to noncurrent loans | 31.6397% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 2.1951% | 3,105 |
| Noncurrent loans to loans | 2.8247% | 2,695 |
| Net loans and leases to total assets | 62.3914% | 4,203 |
| Net loans and leases to deposits | 77.5636% | 3,583 |
| Net loans and leases to core deposits | 77.5636% | 4,514 |
| Total domestic deposits to total assets | 80.4390% | 5,711 |
| Equity capital to assets | 8.1891% | 6,272 |
| Core capital (leverage) ratio | 8.4142% | 5,511 |
| Tier 1 risk-based capital ratio | 13.2411% | 4,417 |
| Total risk-based capital ratio | 14.1348% | 4,667 |
| Memoranda: | ||
| Average total assets | $46,520,600 | 6,650 |
| Average earning assets | $43,565,800 | 6,592 |
| Average equity | $4,001,800 | 7,002 |
| Average total loans | $30,463,000 | 6,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 1,097 |
| Cost of funding earning assets | 2.0681% | 596 |
| Net interest margin | 3.8483% | 3,759 |
| Noninterest income to average assets | 0.5133% | 4,077 |
| Noninterest expense to average assets | 2.9667% | 3,864 |
| Loan and lease loss provision to assets | 0.2610% | 4,496 |
| Net operating income to assets | 0.8903% | 2,646 |
| Return on assets (ROA) | 0.9541% | 2,530 |
| Pretax return on assets | 0.9541% | 3,350 |
| Return on Equity (ROE) | 10.9521% | 1,800 |
| Retained earnings to average equity (ytd only) | 9.6870% | 869 |
| Net charge-offs to loans | 0.1315% | 5,244 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 13.2330% | 1,604 |
| Efficiency ratio | 72.0423% | 3,687 |
| Assets per employee ($millions) | 3.6675% | 4,572 |
| Cash dividends to net income (ytd only)* | 11.5511% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 6,585 |
| Loan loss allowance to noncurrent loans | 72.2500% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 4,480 |
| Noncurrent loans to loans | 1.3105% | 4,673 |
| Net loans and leases to total assets | 63.4121% | 4,233 |
| Net loans and leases to deposits | 80.0471% | 3,439 |
| Net loans and leases to core deposits | 80.0471% | 4,513 |
| Total domestic deposits to total assets | 79.2185% | 5,965 |
| Equity capital to assets | 8.9666% | 5,628 |
| Core capital (leverage) ratio | 8.5785% | 5,377 |
| Tier 1 risk-based capital ratio | 13.2571% | 4,384 |
| Total risk-based capital ratio | 14.2099% | 4,592 |
| Memoranda: | ||
| Average total assets | $45,976,000 | 6,741 |
| Average earning assets | $43,065,250 | 6,697 |
| Average equity | $4,005,250 | 7,091 |
| Average total loans | $30,414,250 | 6,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 983 |
| Cost of funding earning assets | 2.1334% | 586 |
| Net interest margin | 3.8514% | 3,671 |
| Noninterest income to average assets | 0.5153% | 3,994 |
| Noninterest expense to average assets | 2.9377% | 3,929 |
| Loan and lease loss provision to assets | 0.2643% | 4,282 |
| Net operating income to assets | 0.9073% | 2,530 |
| Return on assets (ROA) | 0.9073% | 2,640 |
| Pretax return on assets | 0.9073% | 3,465 |
| Return on Equity (ROE) | 10.5227% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.9903% | 1,110 |
| Net charge-offs to loans | 0.1119% | 5,041 |
| Credit loss provision to net charge-offs | 352.9412% | 1,035 |
| Earnings coverage of net charge-offs (x) | 15.6471% | 1,445 |
| Efficiency ratio | 71.4898% | 3,907 |
| Assets per employee ($millions) | 3.5348% | 4,828 |
| Cash dividends to net income (ytd only)* | 14.5631% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 6,792 |
| Loan loss allowance to noncurrent loans | 93.1507% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 5,136 |
| Noncurrent loans to loans | 0.9559% | 5,393 |
| Net loans and leases to total assets | 65.8840% | 3,861 |
| Net loans and leases to deposits | 83.2875% | 3,014 |
| Net loans and leases to core deposits | 83.2875% | 4,241 |
| Total domestic deposits to total assets | 79.1043% | 6,006 |
| Equity capital to assets | 8.7918% | 5,765 |
| Core capital (leverage) ratio | 8.5284% | 5,360 |
| Tier 1 risk-based capital ratio | 13.0662% | 4,384 |
| Total risk-based capital ratio | 13.9760% | 4,635 |
| Memoranda: | ||
| Average total assets | $45,409,000 | 6,812 |
| Average earning assets | $42,374,330 | 6,761 |
| Average equity | $3,915,330 | 7,148 |
| Average total loans | $30,378,330 | 6,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 856 |
| Cost of funding earning assets | 2.1927% | 603 |
| Net interest margin | 3.8683% | 3,467 |
| Noninterest income to average assets | 0.5228% | 3,867 |
| Noninterest expense to average assets | 2.7826% | 4,552 |
| Loan and lease loss provision to assets | 0.2659% | 3,897 |
| Net operating income to assets | 1.0546% | 1,989 |
| Return on assets (ROA) | 1.0546% | 2,050 |
| Pretax return on assets | 1.0546% | 2,893 |
| Return on Equity (ROE) | 12.3540% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.8349% | 774 |
| Net charge-offs to loans | 0.2641% | 3,354 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,089 |
| Efficiency ratio | 67.8186% | 4,754 |
| Assets per employee ($millions) | 3.5171% | 4,990 |
| Cash dividends to net income (ytd only)* | 4.2017% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 7,146 |
| Loan loss allowance to noncurrent loans | 81.9113% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 5,129 |
| Noncurrent loans to loans | 0.9681% | 5,400 |
| Net loans and leases to total assets | 65.6708% | 3,937 |
| Net loans and leases to deposits | 82.8463% | 3,133 |
| Net loans and leases to core deposits | 82.8463% | 4,373 |
| Total domestic deposits to total assets | 79.2682% | 6,015 |
| Equity capital to assets | 8.5867% | 5,889 |
| Core capital (leverage) ratio | 8.5637% | 5,267 |
| Tier 1 risk-based capital ratio | 12.8274% | 4,457 |
| Total risk-based capital ratio | 13.6283% | 4,803 |
| Memoranda: | ||
| Average total assets | $45,137,500 | 6,905 |
| Average earning assets | $41,775,500 | 6,868 |
| Average equity | $3,853,000 | 7,230 |
| Average total loans | $30,294,000 | 6,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 1,428 |
| Cost of funding earning assets | 2.5495% | 895 |
| Net interest margin | 3.5829% | 4,607 |
| Noninterest income to average assets | 0.5262% | 4,207 |
| Noninterest expense to average assets | 3.0745% | 3,854 |
| Loan and lease loss provision to assets | 0.2964% | 5,060 |
| Net operating income to assets | 0.5331% | 3,601 |
| Return on assets (ROA) | 0.6733% | 3,093 |
| Pretax return on assets | 0.6733% | 3,670 |
| Return on Equity (ROE) | 7.9283% | 2,400 |
| Retained earnings to average equity (ytd only) | 5.8989% | 1,391 |
| Net charge-offs to loans | 0.6327% | 3,308 |
| Credit loss provision to net charge-offs | 69.3548% | 6,501 |
| Earnings coverage of net charge-offs (x) | 1.9409% | 4,266 |
| Efficiency ratio | 78.7522% | 3,082 |
| Assets per employee ($millions) | 3.4272% | 5,189 |
| Cash dividends to net income (ytd only)* | 25.5973% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 7,249 |
| Loan loss allowance to noncurrent loans | 57.1072% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 5,167 |
| Noncurrent loans to loans | 1.3225% | 4,712 |
| Net loans and leases to total assets | 67.5443% | 3,806 |
| Net loans and leases to deposits | 85.9284% | 2,923 |
| Net loans and leases to core deposits | 99.1401% | 4,098 |
| Total domestic deposits to total assets | 78.6053% | 6,089 |
| Equity capital to assets | 8.4843% | 5,906 |
| Core capital (leverage) ratio | 8.3973% | 5,447 |
| Tier 1 risk-based capital ratio | 12.5797% | 4,463 |
| Total risk-based capital ratio | 13.3522% | 4,817 |
| Memoranda: | ||
| Average total assets | $43,518,600 | 6,964 |
| Average earning assets | $41,028,200 | 6,907 |
| Average equity | $3,695,600 | 7,386 |
| Average total loans | $29,396,200 | 6,666 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 1,633 |
| Cost of funding earning assets | 2.6205% | 982 |
| Net interest margin | 3.4853% | 4,923 |
| Noninterest income to average assets | 0.5363% | 4,183 |
| Noninterest expense to average assets | 2.9526% | 4,237 |
| Loan and lease loss provision to assets | 0.3359% | 4,321 |
| Net operating income to assets | 0.5394% | 3,833 |
| Return on assets (ROA) | 0.6287% | 3,563 |
| Pretax return on assets | 0.6287% | 4,088 |
| Return on Equity (ROE) | 7.4021% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.6039% | 1,663 |
| Net charge-offs to loans | 0.7772% | 2,418 |
| Credit loss provision to net charge-offs | 64.1176% | 6,103 |
| Earnings coverage of net charge-offs (x) | 1.6706% | 4,544 |
| Efficiency ratio | 77.1337% | 3,294 |
| Assets per employee ($millions) | 3.1599% | 5,756 |
| Cash dividends to net income (ytd only)* | 10.7835% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 7,272 |
| Loan loss allowance to noncurrent loans | 69.7531% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 5,343 |
| Noncurrent loans to loans | 1.0695% | 5,174 |
| Net loans and leases to total assets | 67.9694% | 3,969 |
| Net loans and leases to deposits | 86.9122% | 3,155 |
| Net loans and leases to core deposits | 101.4953% | 4,213 |
| Total domestic deposits to total assets | 78.2048% | 6,018 |
| Equity capital to assets | 8.7027% | 5,945 |
| Core capital (leverage) ratio | 8.5090% | 5,473 |
| Tier 1 risk-based capital ratio | 12.5689% | 4,493 |
| Total risk-based capital ratio | 13.3381% | 4,835 |
| Memoranda: | ||
| Average total assets | $43,260,000 | 7,028 |
| Average earning assets | $40,856,000 | 6,965 |
| Average equity | $3,674,500 | 7,454 |
| Average total loans | $29,164,750 | 6,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1080% | 1,766 |
| Cost of funding earning assets | 2.6883% | 1,065 |
| Net interest margin | 3.4197% | 5,096 |
| Noninterest income to average assets | 0.5217% | 4,258 |
| Noninterest expense to average assets | 2.9441% | 4,316 |
| Loan and lease loss provision to assets | 0.4193% | 3,441 |
| Net operating income to assets | 0.3820% | 4,577 |
| Return on assets (ROA) | 0.4332% | 4,478 |
| Pretax return on assets | 0.4332% | 4,841 |
| Return on Equity (ROE) | 5.1438% | 4,013 |
| Retained earnings to average equity (ytd only) | 4.2588% | 2,930 |
| Net charge-offs to loans | 1.0143% | 1,748 |
| Credit loss provision to net charge-offs | 61.6438% | 5,568 |
| Earnings coverage of net charge-offs (x) | 1.1781% | 4,644 |
| Efficiency ratio | 78.6070% | 3,253 |
| Assets per employee ($millions) | 3.0752% | 5,930 |
| Cash dividends to net income (ytd only)* | 17.2043% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,202 |
| Loan loss allowance to noncurrent loans | 69.4864% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 5,311 |
| Noncurrent loans to loans | 1.1288% | 4,962 |
| Net loans and leases to total assets | 67.5748% | 4,237 |
| Net loans and leases to deposits | 81.7701% | 4,264 |
| Net loans and leases to core deposits | 100.7654% | 4,430 |
| Total domestic deposits to total assets | 82.6400% | 4,406 |
| Equity capital to assets | 8.4291% | 6,153 |
| Core capital (leverage) ratio | 8.3881% | 5,645 |
| Tier 1 risk-based capital ratio | 12.5459% | 4,492 |
| Total risk-based capital ratio | 13.3501% | 4,754 |
| Memoranda: | ||
| Average total assets | $42,933,670 | 7,099 |
| Average earning assets | $40,471,330 | 7,035 |
| Average equity | $3,616,000 | 7,535 |
| Average total loans | $28,788,000 | 6,807 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1176% | 1,881 |
| Cost of funding earning assets | 2.7311% | 1,170 |
| Net interest margin | 3.3865% | 5,183 |
| Noninterest income to average assets | 0.5318% | 4,047 |
| Noninterest expense to average assets | 2.9388% | 4,017 |
| Loan and lease loss provision to assets | 0.1399% | 5,163 |
| Net operating income to assets | 0.6344% | 3,867 |
| Return on assets (ROA) | 0.7184% | 3,666 |
| Pretax return on assets | 0.7184% | 4,366 |
| Return on Equity (ROE) | 8.5330% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.6465% | 1,953 |
| Net charge-offs to loans | 0.1683% | 3,623 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 6.9167% | 2,416 |
| Efficiency ratio | 79.1457% | 2,974 |
| Assets per employee ($millions) | 3.0612% | 5,990 |
| Cash dividends to net income (ytd only)* | 10.3896% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,131 |
| Loan loss allowance to noncurrent loans | 101.7606% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2133% | 4,249 |
| Noncurrent loans to loans | 0.9887% | 5,020 |
| Net loans and leases to total assets | 66.3532% | 4,497 |
| Net loans and leases to deposits | 79.0422% | 4,769 |
| Net loans and leases to core deposits | 97.9033% | 4,753 |
| Total domestic deposits to total assets | 83.9466% | 3,739 |
| Equity capital to assets | 8.5587% | 5,976 |
| Core capital (leverage) ratio | 8.4136% | 5,692 |
| Tier 1 risk-based capital ratio | 12.6905% | 4,400 |
| Total risk-based capital ratio | 13.7150% | 4,492 |
| Memoranda: | ||
| Average total assets | $42,874,000 | 7,136 |
| Average earning assets | $40,277,000 | 7,084 |
| Average equity | $3,609,500 | 7,588 |
| Average total loans | $28,520,500 | 6,845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4707% | 3,112 |
| Cost of funding earning assets | 3.2055% | 1,171 |
| Net interest margin | 3.2652% | 6,160 |
| Noninterest income to average assets | 0.5497% | 4,232 |
| Noninterest expense to average assets | 3.0321% | 3,963 |
| Loan and lease loss provision to assets | 0.4691% | 2,954 |
| Net operating income to assets | 0.1246% | 6,039 |
| Return on assets (ROA) | 0.2003% | 5,664 |
| Pretax return on assets | 0.2003% | 5,728 |
| Return on Equity (ROE) | 2.4805% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.5427% | 4,299 |
| Net charge-offs to loans | 0.6459% | 1,916 |
| Credit loss provision to net charge-offs | 112.2807% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 5,409 |
| Efficiency ratio | 83.6253% | 2,102 |
| Assets per employee ($millions) | 3.0636% | 5,881 |
| Cash dividends to net income (ytd only)* | 37.8049% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,939 |
| Loan loss allowance to noncurrent loans | 101.7794% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 5,252 |
| Noncurrent loans to loans | 0.9924% | 4,611 |
| Net loans and leases to total assets | 65.3494% | 4,980 |
| Net loans and leases to deposits | 78.5720% | 5,257 |
| Net loans and leases to core deposits | 98.4061% | 5,001 |
| Total domestic deposits to total assets | 83.1713% | 3,698 |
| Equity capital to assets | 8.2791% | 6,447 |
| Core capital (leverage) ratio | 8.4033% | 5,756 |
| Tier 1 risk-based capital ratio | 12.4565% | 4,469 |
| Total risk-based capital ratio | 13.4712% | 4,541 |
| Memoranda: | ||
| Average total assets | $40,928,800 | 7,175 |
| Average earning assets | $38,558,400 | 7,108 |
| Average equity | $3,305,800 | 7,742 |
| Average total loans | $26,476,000 | 6,934 |