Home > Peoples Bank & Trust Company > Performance and Condition Ratios
Peoples Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.3002% | 5,171 |
| Cost of funding earning assets | 0.8770% | 2,116 |
| Net interest margin | 2.4232% | 5,215 |
| Noninterest income to average assets | 0.2145% | 4,459 |
| Noninterest expense to average assets | 3.6623% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.1383% | 5,293 |
| Return on assets (ROA) | -1.1383% | 5,290 |
| Pretax return on assets | -1.1383% | 5,285 |
| Return on Equity (ROE) | -7.6977% | 5,277 |
| Retained earnings to average equity (ytd only) | -7.6977% | 5,021 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.0980% | 40 |
| Assets per employee ($millions) | 12.3030% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 26.4095% | 5,201 |
| Net loans and leases to deposits | 30.9395% | 5,208 |
| Net loans and leases to core deposits | 39.4859% | 5,119 |
| Total domestic deposits to total assets | 85.3586% | 2,540 |
| Equity capital to assets | 14.4314% | 902 |
| Core capital (leverage) ratio | 14.4414% | 830 |
| Tier 1 risk-based capital ratio | 41.3869% | 217 |
| Total risk-based capital ratio | 42.6379% | 214 |
| Memoranda: | ||
| Average total assets | $72,741,000 | 4,524 |
| Average earning assets | $69,330,000 | 4,493 |
| Average equity | $10,756,500 | 4,231 |
| Average total loans | $20,895,000 | 5,014 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 5,069 |
| Cost of funding earning assets | 0.7821% | 1,629 |
| Net interest margin | 2.5358% | 5,196 |
| Noninterest income to average assets | 0.2378% | 4,495 |
| Noninterest expense to average assets | 1.1162% | 5,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2421% | 2,005 |
| Return on assets (ROA) | 1.2421% | 1,997 |
| Pretax return on assets | 1.5162% | 1,730 |
| Return on Equity (ROE) | 8.4021% | 3,269 |
| Retained earnings to average equity (ytd only) | 6.6990% | 1,824 |
| Net charge-offs to loans | 0.0183% | 3,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 356 |
| Efficiency ratio | 42.4017% | 5,232 |
| Assets per employee ($millions) | 11.9440% | 199 |
| Cash dividends to net income (ytd only)* | 20.2703% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 30.1951% | 5,204 |
| Net loans and leases to deposits | 35.7983% | 5,201 |
| Net loans and leases to core deposits | 43.6790% | 5,081 |
| Total domestic deposits to total assets | 84.3478% | 2,891 |
| Equity capital to assets | 15.1541% | 678 |
| Core capital (leverage) ratio | 15.1901% | 650 |
| Tier 1 risk-based capital ratio | 40.2133% | 230 |
| Total risk-based capital ratio | 41.4278% | 227 |
| Memoranda: | ||
| Average total assets | $71,494,200 | 4,561 |
| Average earning assets | $67,512,200 | 4,535 |
| Average equity | $10,568,800 | 4,224 |
| Average total loans | $21,875,400 | 5,033 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3074% | 5,117 |
| Cost of funding earning assets | 0.7532% | 1,570 |
| Net interest margin | 2.5542% | 5,246 |
| Noninterest income to average assets | 0.2351% | 4,567 |
| Noninterest expense to average assets | 1.0562% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3006% | 1,857 |
| Return on assets (ROA) | 1.3006% | 1,853 |
| Pretax return on assets | 1.5898% | 1,616 |
| Return on Equity (ROE) | 8.8539% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.8539% | 1,281 |
| Net charge-offs to loans | 0.0122% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 425.4569% | 220 |
| Efficiency ratio | 39.9154% | 5,336 |
| Assets per employee ($millions) | 11.7932% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 29.9637% | 5,279 |
| Net loans and leases to deposits | 35.5065% | 5,281 |
| Net loans and leases to core deposits | 44.7413% | 5,147 |
| Total domestic deposits to total assets | 84.3893% | 2,819 |
| Equity capital to assets | 15.3323% | 654 |
| Core capital (leverage) ratio | 15.2369% | 648 |
| Tier 1 risk-based capital ratio | 40.9721% | 220 |
| Total risk-based capital ratio | 42.2184% | 218 |
| Memoranda: | ||
| Average total assets | $71,451,750 | 4,609 |
| Average earning assets | $67,442,000 | 4,580 |
| Average equity | $10,496,000 | 4,274 |
| Average total loans | $21,852,500 | 5,095 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,151 |
| Cost of funding earning assets | 0.7331% | 1,453 |
| Net interest margin | 2.5496% | 5,307 |
| Noninterest income to average assets | 0.2288% | 4,650 |
| Noninterest expense to average assets | 1.0881% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2611% | 1,933 |
| Return on assets (ROA) | 1.2611% | 1,934 |
| Pretax return on assets | 1.5373% | 1,687 |
| Return on Equity (ROE) | 8.7105% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.7105% | 1,317 |
| Net charge-offs to loans | 0.0182% | 2,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 275.5000% | 325 |
| Efficiency ratio | 41.4453% | 5,365 |
| Assets per employee ($millions) | 11.9080% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.0932% | 5,324 |
| Net loans and leases to deposits | 35.4358% | 5,331 |
| Net loans and leases to core deposits | 44.5404% | 5,187 |
| Total domestic deposits to total assets | 84.9233% | 2,703 |
| Equity capital to assets | 14.8416% | 716 |
| Core capital (leverage) ratio | 14.6496% | 742 |
| Tier 1 risk-based capital ratio | 39.5318% | 237 |
| Total risk-based capital ratio | 40.7620% | 234 |
| Memoranda: | ||
| Average total assets | $71,682,670 | 4,656 |
| Average earning assets | $67,382,670 | 4,634 |
| Average equity | $10,378,330 | 4,326 |
| Average total loans | $21,959,330 | 5,150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 5,211 |
| Cost of funding earning assets | 0.7165% | 1,360 |
| Net interest margin | 2.5078% | 5,388 |
| Noninterest income to average assets | 0.2228% | 4,682 |
| Noninterest expense to average assets | 1.0195% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2646% | 1,767 |
| Return on assets (ROA) | 1.2646% | 1,772 |
| Pretax return on assets | 1.5432% | 1,556 |
| Return on Equity (ROE) | 8.8452% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.8452% | 1,523 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7826% | 5,461 |
| Assets per employee ($millions) | 12.2322% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.3965% | 5,377 |
| Net loans and leases to deposits | 34.3354% | 5,390 |
| Net loans and leases to core deposits | 43.6141% | 5,220 |
| Total domestic deposits to total assets | 85.6158% | 2,706 |
| Equity capital to assets | 14.1417% | 853 |
| Core capital (leverage) ratio | 14.3301% | 800 |
| Tier 1 risk-based capital ratio | 37.7158% | 262 |
| Total risk-based capital ratio | 38.9222% | 257 |
| Memoranda: | ||
| Average total assets | $71,800,000 | 4,711 |
| Average earning assets | $66,990,500 | 4,693 |
| Average equity | $10,265,500 | 4,389 |
| Average total loans | $22,023,500 | 5,208 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1155% | 5,273 |
| Cost of funding earning assets | 0.7165% | 940 |
| Net interest margin | 2.3990% | 5,463 |
| Noninterest income to average assets | 0.2771% | 4,475 |
| Noninterest expense to average assets | 1.2419% | 5,578 |
| Loan and lease loss provision to assets | 0.0071% | 4,121 |
| Net operating income to assets | 0.9183% | 2,604 |
| Return on assets (ROA) | 0.9194% | 2,633 |
| Pretax return on assets | 1.2703% | 2,467 |
| Return on Equity (ROE) | 6.4651% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.4666% | 2,472 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3228% | 5,255 |
| Assets per employee ($millions) | 11.7012% | 202 |
| Cash dividends to net income (ytd only)* | 30.9119% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,416 |
| Loan loss allowance to noncurrent loans | 33,200.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,197 |
| Noncurrent loans to loans | 0.0045% | 5,042 |
| Net loans and leases to total assets | 31.0624% | 5,416 |
| Net loans and leases to deposits | 36.5030% | 5,419 |
| Net loans and leases to core deposits | 44.5716% | 5,280 |
| Total domestic deposits to total assets | 85.0955% | 2,804 |
| Equity capital to assets | 14.4601% | 791 |
| Core capital (leverage) ratio | 14.6532% | 697 |
| Tier 1 risk-based capital ratio | 37.5166% | 263 |
| Total risk-based capital ratio | 38.7435% | 259 |
| Memoranda: | ||
| Average total assets | $70,374,600 | 4,770 |
| Average earning assets | $65,734,800 | 4,750 |
| Average equity | $10,007,600 | 4,444 |
| Average total loans | $21,268,600 | 5,278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 5,345 |
| Cost of funding earning assets | 0.7113% | 915 |
| Net interest margin | 2.3812% | 5,537 |
| Noninterest income to average assets | 0.2859% | 4,479 |
| Noninterest expense to average assets | 1.0812% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0362% | 2,388 |
| Return on assets (ROA) | 1.0376% | 2,419 |
| Pretax return on assets | 1.4315% | 2,007 |
| Return on Equity (ROE) | 7.3274% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.3274% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0618% | 5,511 |
| Assets per employee ($millions) | 11.5182% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 32.5240% | 5,443 |
| Net loans and leases to deposits | 38.3226% | 5,452 |
| Net loans and leases to core deposits | 48.0206% | 5,254 |
| Total domestic deposits to total assets | 84.8688% | 2,761 |
| Equity capital to assets | 14.8360% | 767 |
| Core capital (leverage) ratio | 14.7527% | 711 |
| Tier 1 risk-based capital ratio | 37.5843% | 270 |
| Total risk-based capital ratio | 38.7830% | 264 |
| Memoranda: | ||
| Average total assets | $70,416,500 | 4,820 |
| Average earning assets | $65,792,750 | 4,796 |
| Average equity | $9,971,500 | 4,494 |
| Average total loans | $21,050,750 | 5,338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9840% | 5,450 |
| Cost of funding earning assets | 0.7179% | 811 |
| Net interest margin | 2.2661% | 5,624 |
| Noninterest income to average assets | 0.2936% | 4,443 |
| Noninterest expense to average assets | 1.0924% | 5,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9605% | 2,605 |
| Return on assets (ROA) | 0.9626% | 2,657 |
| Pretax return on assets | 1.3069% | 2,358 |
| Return on Equity (ROE) | 6.9045% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.9045% | 1,638 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5830% | 5,474 |
| Assets per employee ($millions) | 11.5607% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 29.9074% | 5,547 |
| Net loans and leases to deposits | 35.0588% | 5,554 |
| Net loans and leases to core deposits | 43.9103% | 5,399 |
| Total domestic deposits to total assets | 85.3065% | 2,690 |
| Equity capital to assets | 14.4845% | 827 |
| Core capital (leverage) ratio | 14.1769% | 808 |
| Tier 1 risk-based capital ratio | 38.7571% | 230 |
| Total risk-based capital ratio | 40.0069% | 228 |
| Memoranda: | ||
| Average total assets | $70,852,330 | 4,848 |
| Average earning assets | $65,751,670 | 4,834 |
| Average equity | $9,877,670 | 4,528 |
| Average total loans | $20,466,330 | 5,395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8654% | 5,563 |
| Cost of funding earning assets | 0.7164% | 774 |
| Net interest margin | 2.1491% | 5,725 |
| Noninterest income to average assets | 0.3743% | 3,846 |
| Noninterest expense to average assets | 1.0559% | 5,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9833% | 2,377 |
| Return on assets (ROA) | 0.9833% | 2,424 |
| Pretax return on assets | 1.2962% | 2,248 |
| Return on Equity (ROE) | 7.1888% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.1888% | 1,784 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8931% | 5,570 |
| Assets per employee ($millions) | 12.1355% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 1,335 |
| Loan loss allowance to noncurrent loans | 16,350.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,369 |
| Noncurrent loans to loans | 0.0099% | 5,208 |
| Net loans and leases to total assets | 27.3014% | 5,645 |
| Net loans and leases to deposits | 31.6736% | 5,657 |
| Net loans and leases to core deposits | 40.0165% | 5,522 |
| Total domestic deposits to total assets | 86.1961% | 2,581 |
| Equity capital to assets | 13.5704% | 1,046 |
| Core capital (leverage) ratio | 13.7503% | 900 |
| Tier 1 risk-based capital ratio | 38.2140% | 254 |
| Total risk-based capital ratio | 39.4632% | 247 |
| Memoranda: | ||
| Average total assets | $71,596,500 | 4,880 |
| Average earning assets | $65,889,500 | 4,881 |
| Average equity | $9,793,000 | 4,575 |
| Average total loans | $20,163,500 | 5,458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0319% | 5,475 |
| Cost of funding earning assets | 0.7332% | 686 |
| Net interest margin | 2.2988% | 5,712 |
| Noninterest income to average assets | 0.2061% | 5,178 |
| Noninterest expense to average assets | 1.2693% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7482% | 3,545 |
| Return on assets (ROA) | 0.7899% | 3,456 |
| Pretax return on assets | 1.0804% | 3,173 |
| Return on Equity (ROE) | 5.7548% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,162 |
| Net charge-offs to loans | 0.0050% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 715.0000% | 110 |
| Efficiency ratio | 55.3683% | 5,123 |
| Assets per employee ($millions) | 11.7300% | 185 |
| Cash dividends to net income (ytd only)* | 32.6087% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,316 |
| Loan loss allowance to noncurrent loans | 10,900.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,421 |
| Noncurrent loans to loans | 0.0149% | 5,216 |
| Net loans and leases to total assets | 28.1245% | 5,678 |
| Net loans and leases to deposits | 32.7710% | 5,702 |
| Net loans and leases to core deposits | 39.2730% | 5,610 |
| Total domestic deposits to total assets | 85.8213% | 2,669 |
| Equity capital to assets | 13.7894% | 956 |
| Core capital (leverage) ratio | 14.0530% | 807 |
| Tier 1 risk-based capital ratio | 38.3233% | 246 |
| Total risk-based capital ratio | 39.5751% | 242 |
| Memoranda: | ||
| Average total assets | $69,878,600 | 4,938 |
| Average earning assets | $63,424,800 | 4,953 |
| Average equity | $9,592,000 | 4,650 |
| Average total loans | $19,915,800 | 5,522 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 5,487 |
| Cost of funding earning assets | 0.7295% | 700 |
| Net interest margin | 2.3529% | 5,747 |
| Noninterest income to average assets | 0.1950% | 5,299 |
| Noninterest expense to average assets | 1.2119% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8089% | 3,327 |
| Return on assets (ROA) | 0.8640% | 3,211 |
| Pretax return on assets | 1.1927% | 2,863 |
| Return on Equity (ROE) | 6.3014% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.3014% | 2,007 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0525% | 5,381 |
| Assets per employee ($millions) | 11.6132% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.5567% | 5,741 |
| Net loans and leases to deposits | 33.2993% | 5,768 |
| Net loans and leases to core deposits | 40.0435% | 5,680 |
| Total domestic deposits to total assets | 85.7575% | 2,477 |
| Equity capital to assets | 14.0430% | 1,014 |
| Core capital (leverage) ratio | 13.9824% | 856 |
| Tier 1 risk-based capital ratio | 39.0947% | 238 |
| Total risk-based capital ratio | 40.3452% | 236 |
| Memoranda: | ||
| Average total assets | $69,753,250 | 4,979 |
| Average earning assets | $63,238,250 | 4,996 |
| Average equity | $9,563,750 | 4,697 |
| Average total loans | $19,864,500 | 5,576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 5,445 |
| Cost of funding earning assets | 0.7218% | 715 |
| Net interest margin | 2.4676% | 5,762 |
| Noninterest income to average assets | 0.1920% | 5,350 |
| Noninterest expense to average assets | 1.2726% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8263% | 3,189 |
| Return on assets (ROA) | 0.8799% | 3,082 |
| Pretax return on assets | 1.2181% | 2,711 |
| Return on Equity (ROE) | 6.4700% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.4700% | 1,883 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6690% | 5,409 |
| Assets per employee ($millions) | 10.0207% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 27.7397% | 5,828 |
| Net loans and leases to deposits | 32.2681% | 5,848 |
| Net loans and leases to core deposits | 39.1202% | 5,769 |
| Total domestic deposits to total assets | 85.9662% | 2,436 |
| Equity capital to assets | 13.7444% | 1,124 |
| Core capital (leverage) ratio | 13.7059% | 904 |
| Tier 1 risk-based capital ratio | 38.3492% | 255 |
| Total risk-based capital ratio | 39.5982% | 252 |
| Memoranda: | ||
| Average total assets | $69,778,000 | 5,026 |
| Average earning assets | $62,895,000 | 5,054 |
| Average equity | $9,490,000 | 4,743 |
| Average total loans | $19,744,000 | 5,643 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 5,311 |
| Cost of funding earning assets | 0.7176% | 739 |
| Net interest margin | 2.5883% | 5,733 |
| Noninterest income to average assets | 0.2012% | 5,301 |
| Noninterest expense to average assets | 1.2760% | 6,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8955% | 2,775 |
| Return on assets (ROA) | 0.9369% | 2,679 |
| Pretax return on assets | 1.3047% | 2,279 |
| Return on Equity (ROE) | 6.9255% | 3,493 |
| Retained earnings to average equity (ytd only) | 6.9255% | 1,918 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5695% | 5,590 |
| Assets per employee ($millions) | 10.0990% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 1,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 27.1710% | 5,892 |
| Net loans and leases to deposits | 31.4813% | 5,908 |
| Net loans and leases to core deposits | 37.8610% | 5,827 |
| Total domestic deposits to total assets | 86.3084% | 2,532 |
| Equity capital to assets | 13.4327% | 1,205 |
| Core capital (leverage) ratio | 13.5774% | 955 |
| Tier 1 risk-based capital ratio | 37.8432% | 269 |
| Total risk-based capital ratio | 39.0946% | 267 |
| Memoranda: | ||
| Average total assets | $69,594,500 | 5,078 |
| Average earning assets | $62,434,500 | 5,110 |
| Average equity | $9,414,500 | 4,774 |
| Average total loans | $19,723,000 | 5,695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,544 |
| Cost of funding earning assets | 0.6700% | 958 |
| Net interest margin | 2.4989% | 5,827 |
| Noninterest income to average assets | 0.2115% | 5,325 |
| Noninterest expense to average assets | 1.3111% | 6,071 |
| Loan and lease loss provision to assets | 0.0075% | 4,247 |
| Net operating income to assets | 0.9105% | 2,809 |
| Return on assets (ROA) | 0.9226% | 2,835 |
| Pretax return on assets | 1.2706% | 2,397 |
| Return on Equity (ROE) | 6.6995% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.7387% | 2,616 |
| Net charge-offs to loans | 0.0203% | 3,857 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 210.2500% | 326 |
| Efficiency ratio | 50.9621% | 5,709 |
| Assets per employee ($millions) | 9.7851% | 292 |
| Cash dividends to net income (ytd only)* | 29.2683% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 1,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.5885% | 5,929 |
| Net loans and leases to deposits | 33.2761% | 5,948 |
| Net loans and leases to core deposits | 38.4481% | 5,865 |
| Total domestic deposits to total assets | 85.9130% | 2,675 |
| Equity capital to assets | 13.6256% | 1,075 |
| Core capital (leverage) ratio | 14.0447% | 804 |
| Tier 1 risk-based capital ratio | 37.5151% | 270 |
| Total risk-based capital ratio | 38.7652% | 265 |
| Memoranda: | ||
| Average total assets | $66,660,600 | 5,162 |
| Average earning assets | $62,988,200 | 5,109 |
| Average equity | $9,179,800 | 4,806 |
| Average total loans | $19,669,800 | 5,731 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1367% | 5,659 |
| Cost of funding earning assets | 0.6588% | 1,044 |
| Net interest margin | 2.4779% | 5,923 |
| Noninterest income to average assets | 0.2054% | 5,418 |
| Noninterest expense to average assets | 1.2024% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9951% | 2,497 |
| Return on assets (ROA) | 1.0110% | 2,513 |
| Pretax return on assets | 1.4038% | 1,996 |
| Return on Equity (ROE) | 7.3218% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3218% | 1,538 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5316% | 5,944 |
| Assets per employee ($millions) | 10.9847% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,668 |
| Loan loss allowance to noncurrent loans | 1,923.5294% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,696 |
| Noncurrent loans to loans | 0.0848% | 5,290 |
| Net loans and leases to total assets | 29.9038% | 5,976 |
| Net loans and leases to deposits | 34.9866% | 6,000 |
| Net loans and leases to core deposits | 40.3105% | 5,909 |
| Total domestic deposits to total assets | 85.4722% | 2,797 |
| Equity capital to assets | 14.2623% | 923 |
| Core capital (leverage) ratio | 14.2129% | 809 |
| Tier 1 risk-based capital ratio | 38.7150% | 269 |
| Total risk-based capital ratio | 39.9671% | 266 |
| Memoranda: | ||
| Average total assets | $66,201,750 | 5,233 |
| Average earning assets | $63,546,750 | 5,159 |
| Average equity | $9,141,500 | 4,880 |
| Average total loans | $19,609,750 | 5,809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0801% | 5,762 |
| Cost of funding earning assets | 0.6573% | 1,063 |
| Net interest margin | 2.4228% | 6,029 |
| Noninterest income to average assets | 0.1931% | 5,523 |
| Noninterest expense to average assets | 1.2066% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9557% | 2,601 |
| Return on assets (ROA) | 0.9774% | 2,611 |
| Pretax return on assets | 1.3514% | 2,180 |
| Return on Equity (ROE) | 7.1560% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.1560% | 1,639 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7327% | 5,976 |
| Assets per employee ($millions) | 11.0687% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 1,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.3546% | 6,057 |
| Net loans and leases to deposits | 34.1766% | 6,077 |
| Net loans and leases to core deposits | 39.5148% | 5,972 |
| Total domestic deposits to total assets | 85.8911% | 2,748 |
| Equity capital to assets | 13.8860% | 1,019 |
| Core capital (leverage) ratio | 13.8498% | 887 |
| Tier 1 risk-based capital ratio | 37.7719% | 298 |
| Total risk-based capital ratio | 39.0211% | 294 |
| Memoranda: | ||
| Average total assets | $66,299,670 | 5,293 |
| Average earning assets | $63,893,330 | 5,201 |
| Average equity | $9,055,330 | 4,934 |
| Average total loans | $19,467,670 | 5,872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 5,846 |
| Cost of funding earning assets | 0.6543% | 1,090 |
| Net interest margin | 2.3928% | 6,102 |
| Noninterest income to average assets | 0.1811% | 5,632 |
| Noninterest expense to average assets | 1.3103% | 6,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8700% | 2,900 |
| Return on assets (ROA) | 0.8876% | 2,931 |
| Pretax return on assets | 1.2137% | 2,616 |
| Return on Equity (ROE) | 6.5537% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.5537% | 2,209 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4155% | 5,785 |
| Assets per employee ($millions) | 11.2637% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 1,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 28.0385% | 6,132 |
| Net loans and leases to deposits | 32.4636% | 6,147 |
| Net loans and leases to core deposits | 38.0946% | 6,037 |
| Total domestic deposits to total assets | 86.3692% | 2,730 |
| Equity capital to assets | 13.3852% | 1,226 |
| Core capital (leverage) ratio | 13.5527% | 958 |
| Tier 1 risk-based capital ratio | 37.2969% | 301 |
| Total risk-based capital ratio | 38.5462% | 299 |
| Memoranda: | ||
| Average total assets | $66,243,500 | 5,346 |
| Average earning assets | $64,193,000 | 5,244 |
| Average equity | $8,972,000 | 4,995 |
| Average total loans | $19,290,500 | 5,928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1455% | 5,904 |
| Cost of funding earning assets | 0.6908% | 1,147 |
| Net interest margin | 2.4546% | 6,190 |
| Noninterest income to average assets | 0.2063% | 5,626 |
| Noninterest expense to average assets | 1.3402% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9214% | 2,770 |
| Return on assets (ROA) | 0.9214% | 2,867 |
| Pretax return on assets | 1.2471% | 2,456 |
| Return on Equity (ROE) | 6.7788% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.7246% | 2,817 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7986% | 6,000 |
| Assets per employee ($millions) | 9.2721% | 306 |
| Cash dividends to net income (ytd only)* | 30.3030% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 1,786 |
| Loan loss allowance to noncurrent loans | 990.9091% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,819 |
| Noncurrent loans to loans | 0.1709% | 5,214 |
| Net loans and leases to total assets | 29.2397% | 6,199 |
| Net loans and leases to deposits | 34.0688% | 6,219 |
| Net loans and leases to core deposits | 38.8631% | 6,130 |
| Total domestic deposits to total assets | 85.8254% | 2,929 |
| Equity capital to assets | 13.7093% | 1,070 |
| Core capital (leverage) ratio | 13.8553% | 853 |
| Tier 1 risk-based capital ratio | 37.2566% | 277 |
| Total risk-based capital ratio | 38.5086% | 270 |
| Memoranda: | ||
| Average total assets | $64,469,600 | 5,436 |
| Average earning assets | $62,534,600 | 5,324 |
| Average equity | $8,762,600 | 5,032 |
| Average total loans | $18,456,400 | 6,021 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1430% | 5,964 |
| Cost of funding earning assets | 0.6956% | 1,171 |
| Net interest margin | 2.4474% | 6,266 |
| Noninterest income to average assets | 0.2030% | 5,714 |
| Noninterest expense to average assets | 1.1746% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0254% | 2,341 |
| Return on assets (ROA) | 1.0254% | 2,400 |
| Pretax return on assets | 1.4045% | 1,987 |
| Return on Equity (ROE) | 7.5610% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.5610% | 1,554 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5422% | 6,311 |
| Assets per employee ($millions) | 9.1497% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 1,852 |
| Loan loss allowance to noncurrent loans | 934.2857% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 5,930 |
| Noncurrent loans to loans | 0.1863% | 5,353 |
| Net loans and leases to total assets | 28.8253% | 6,292 |
| Net loans and leases to deposits | 33.6162% | 6,309 |
| Net loans and leases to core deposits | 38.4193% | 6,224 |
| Total domestic deposits to total assets | 85.7482% | 2,981 |
| Equity capital to assets | 14.0192% | 997 |
| Core capital (leverage) ratio | 13.9921% | 845 |
| Tier 1 risk-based capital ratio | 38.3390% | 268 |
| Total risk-based capital ratio | 39.5901% | 265 |
| Memoranda: | ||
| Average total assets | $64,360,750 | 5,502 |
| Average earning assets | $62,485,750 | 5,390 |
| Average equity | $8,728,750 | 5,082 |
| Average total loans | $18,244,250 | 6,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 6,040 |
| Cost of funding earning assets | 0.6909% | 1,236 |
| Net interest margin | 2.4291% | 6,335 |
| Noninterest income to average assets | 0.1799% | 5,868 |
| Noninterest expense to average assets | 1.1758% | 6,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0021% | 2,314 |
| Return on assets (ROA) | 1.0021% | 2,385 |
| Pretax return on assets | 1.3713% | 1,999 |
| Return on Equity (ROE) | 7.4722% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,531 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1632% | 6,357 |
| Assets per employee ($millions) | 9.2234% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 1,869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.7972% | 6,370 |
| Net loans and leases to deposits | 32.2608% | 6,379 |
| Net loans and leases to core deposits | 37.3336% | 6,297 |
| Total domestic deposits to total assets | 86.1641% | 2,961 |
| Equity capital to assets | 13.6407% | 1,111 |
| Core capital (leverage) ratio | 13.5829% | 953 |
| Tier 1 risk-based capital ratio | 37.9154% | 281 |
| Total risk-based capital ratio | 39.1682% | 278 |
| Memoranda: | ||
| Average total assets | $64,465,000 | 5,543 |
| Average earning assets | $62,820,330 | 5,428 |
| Average equity | $8,645,330 | 5,123 |
| Average total loans | $18,062,670 | 6,156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 6,132 |
| Cost of funding earning assets | 0.6928% | 1,293 |
| Net interest margin | 2.4025% | 6,418 |
| Noninterest income to average assets | 0.1739% | 5,929 |
| Noninterest expense to average assets | 1.1612% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9998% | 2,213 |
| Return on assets (ROA) | 0.9998% | 2,267 |
| Pretax return on assets | 1.3599% | 1,881 |
| Return on Equity (ROE) | 7.5194% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.5194% | 1,809 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0591% | 6,424 |
| Assets per employee ($millions) | 9.3743% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 27.1625% | 6,440 |
| Net loans and leases to deposits | 31.3549% | 6,448 |
| Net loans and leases to core deposits | 36.9264% | 6,337 |
| Total domestic deposits to total assets | 86.6291% | 3,027 |
| Equity capital to assets | 13.1743% | 1,222 |
| Core capital (leverage) ratio | 13.4145% | 998 |
| Tier 1 risk-based capital ratio | 37.1046% | 288 |
| Total risk-based capital ratio | 38.3579% | 282 |
| Memoranda: | ||
| Average total assets | $64,415,500 | 5,616 |
| Average earning assets | $62,935,500 | 5,473 |
| Average equity | $8,564,500 | 5,160 |
| Average total loans | $17,957,000 | 6,220 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0511% | 6,291 |
| Cost of funding earning assets | 0.7612% | 1,431 |
| Net interest margin | 2.2900% | 6,530 |
| Noninterest income to average assets | 0.2024% | 5,869 |
| Noninterest expense to average assets | 1.2710% | 6,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8713% | 2,920 |
| Return on assets (ROA) | 0.8724% | 3,001 |
| Pretax return on assets | 1.1659% | 2,705 |
| Return on Equity (ROE) | 6.6555% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.5008% | 2,978 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1907% | 6,280 |
| Assets per employee ($millions) | 9.0301% | 325 |
| Cash dividends to net income (ytd only)* | 32.3741% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 1,944 |
| Loan loss allowance to noncurrent loans | 16,350.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,438 |
| Noncurrent loans to loans | 0.0113% | 6,247 |
| Net loans and leases to total assets | 27.5838% | 6,530 |
| Net loans and leases to deposits | 32.2501% | 6,526 |
| Net loans and leases to core deposits | 36.4701% | 6,455 |
| Total domestic deposits to total assets | 85.5310% | 3,495 |
| Equity capital to assets | 13.4217% | 1,102 |
| Core capital (leverage) ratio | 13.4812% | 961 |
| Tier 1 risk-based capital ratio | 37.0157% | 276 |
| Total risk-based capital ratio | 38.2679% | 273 |
| Memoranda: | ||
| Average total assets | $63,729,800 | 5,660 |
| Average earning assets | $62,140,600 | 5,535 |
| Average equity | $8,354,000 | 5,257 |
| Average total loans | $16,577,600 | 6,343 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0151% | 6,410 |
| Cost of funding earning assets | 0.7693% | 1,484 |
| Net interest margin | 2.2458% | 6,622 |
| Noninterest income to average assets | 0.2046% | 5,956 |
| Noninterest expense to average assets | 1.1274% | 6,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9359% | 2,658 |
| Return on assets (ROA) | 0.9374% | 2,763 |
| Pretax return on assets | 1.2673% | 2,454 |
| Return on Equity (ROE) | 7.1940% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.1940% | 1,790 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1204% | 6,550 |
| Assets per employee ($millions) | 7.9386% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 1,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.1380% | 6,643 |
| Net loans and leases to deposits | 30.2693% | 6,662 |
| Net loans and leases to core deposits | 35.6353% | 6,571 |
| Total domestic deposits to total assets | 86.3515% | 3,047 |
| Equity capital to assets | 13.4737% | 1,127 |
| Core capital (leverage) ratio | 13.4407% | 1,046 |
| Tier 1 risk-based capital ratio | 37.8294% | 270 |
| Total risk-based capital ratio | 39.0805% | 269 |
| Memoranda: | ||
| Average total assets | $63,859,500 | 5,714 |
| Average earning assets | $62,219,500 | 5,588 |
| Average equity | $8,321,500 | 5,312 |
| Average total loans | $16,281,250 | 6,425 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9404% | 6,498 |
| Cost of funding earning assets | 0.7687% | 1,593 |
| Net interest margin | 2.1717% | 6,697 |
| Noninterest income to average assets | 0.2063% | 5,969 |
| Noninterest expense to average assets | 1.1442% | 6,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8855% | 2,869 |
| Return on assets (ROA) | 0.8878% | 3,015 |
| Pretax return on assets | 1.1848% | 2,743 |
| Return on Equity (ROE) | 6.8907% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.8907% | 1,936 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1935% | 6,470 |
| Assets per employee ($millions) | 9.2437% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 25.2140% | 6,705 |
| Net loans and leases to deposits | 29.0458% | 6,722 |
| Net loans and leases to core deposits | 33.8978% | 6,651 |
| Total domestic deposits to total assets | 86.8080% | 2,934 |
| Equity capital to assets | 12.9679% | 1,355 |
| Core capital (leverage) ratio | 13.0137% | 1,155 |
| Tier 1 risk-based capital ratio | 37.2652% | 282 |
| Total risk-based capital ratio | 38.5176% | 277 |
| Memoranda: | ||
| Average total assets | $63,976,330 | 5,749 |
| Average earning assets | $62,440,670 | 5,610 |
| Average equity | $8,243,000 | 5,372 |
| Average total loans | $16,066,000 | 6,472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8944% | 6,614 |
| Cost of funding earning assets | 0.7800% | 1,644 |
| Net interest margin | 2.1144% | 6,805 |
| Noninterest income to average assets | 0.1886% | 6,122 |
| Noninterest expense to average assets | 1.2388% | 6,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7672% | 3,345 |
| Return on assets (ROA) | 0.7672% | 3,489 |
| Pretax return on assets | 1.0124% | 3,297 |
| Return on Equity (ROE) | 5.9738% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.9738% | 2,689 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0279% | 6,153 |
| Assets per employee ($millions) | 9.2990% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0694% | 1,867 |
| Loan loss allowance to noncurrent loans | 2,515.3846% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,553 |
| Noncurrent loans to loans | 0.0823% | 6,235 |
| Net loans and leases to total assets | 23.7737% | 6,780 |
| Net loans and leases to deposits | 27.2649% | 6,798 |
| Net loans and leases to core deposits | 32.0095% | 6,725 |
| Total domestic deposits to total assets | 87.1952% | 2,837 |
| Equity capital to assets | 12.6434% | 1,624 |
| Core capital (leverage) ratio | 12.8743% | 1,164 |
| Tier 1 risk-based capital ratio | 37.2516% | 285 |
| Total risk-based capital ratio | 38.5054% | 279 |
| Memoranda: | ||
| Average total assets | $63,611,500 | 5,815 |
| Average earning assets | $62,050,000 | 5,676 |
| Average equity | $8,169,000 | 5,442 |
| Average total loans | $15,778,000 | 6,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 6,571 |
| Cost of funding earning assets | 0.8945% | 1,969 |
| Net interest margin | 2.4151% | 6,770 |
| Noninterest income to average assets | 0.2191% | 5,867 |
| Noninterest expense to average assets | 1.3503% | 6,934 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9021% | 2,809 |
| Return on assets (ROA) | 0.9105% | 3,005 |
| Pretax return on assets | 1.2326% | 2,664 |
| Return on Equity (ROE) | 6.9667% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.7153% | 2,904 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5111% | 6,418 |
| Assets per employee ($millions) | 7.7663% | 565 |
| Cash dividends to net income (ytd only)* | 32.3160% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 1,829 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 6,589 |
| Noncurrent loans to loans | 0.1143% | 6,200 |
| Net loans and leases to total assets | 24.8302% | 6,839 |
| Net loans and leases to deposits | 28.6827% | 6,859 |
| Net loans and leases to core deposits | 32.8759% | 6,792 |
| Total domestic deposits to total assets | 86.5685% | 3,061 |
| Equity capital to assets | 13.0501% | 1,420 |
| Core capital (leverage) ratio | 13.2248% | 1,041 |
| Tier 1 risk-based capital ratio | 37.7415% | 278 |
| Total risk-based capital ratio | 38.9936% | 275 |
| Memoranda: | ||
| Average total assets | $61,172,800 | 5,893 |
| Average earning assets | $59,583,800 | 5,762 |
| Average equity | $7,995,200 | 5,508 |
| Average total loans | $15,388,000 | 6,635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3509% | 6,679 |
| Cost of funding earning assets | 0.9080% | 2,120 |
| Net interest margin | 2.4430% | 6,866 |
| Noninterest income to average assets | 0.2232% | 5,955 |
| Noninterest expense to average assets | 1.2100% | 7,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0145% | 2,429 |
| Return on assets (ROA) | 1.0240% | 2,617 |
| Pretax return on assets | 1.4048% | 2,218 |
| Return on Equity (ROE) | 7.8321% | 3,352 |
| Retained earnings to average equity (ytd only) | 7.8321% | 1,691 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5097% | 6,798 |
| Assets per employee ($millions) | 7.8031% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 1,915 |
| Loan loss allowance to noncurrent loans | 797.5610% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,581 |
| Noncurrent loans to loans | 0.2627% | 5,967 |
| Net loans and leases to total assets | 24.4774% | 6,958 |
| Net loans and leases to deposits | 28.2597% | 6,980 |
| Net loans and leases to core deposits | 33.0714% | 6,916 |
| Total domestic deposits to total assets | 86.6159% | 2,909 |
| Equity capital to assets | 13.1342% | 1,525 |
| Core capital (leverage) ratio | 13.1441% | 1,134 |
| Tier 1 risk-based capital ratio | 37.9777% | 284 |
| Total risk-based capital ratio | 39.2329% | 278 |
| Memoranda: | ||
| Average total assets | $60,933,500 | 5,971 |
| Average earning assets | $59,325,000 | 5,836 |
| Average equity | $7,967,000 | 5,568 |
| Average total loans | $15,296,500 | 6,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 6,695 |
| Cost of funding earning assets | 0.9256% | 2,220 |
| Net interest margin | 2.5090% | 6,880 |
| Noninterest income to average assets | 0.2250% | 5,961 |
| Noninterest expense to average assets | 1.2410% | 7,128 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0381% | 2,309 |
| Return on assets (ROA) | 1.0523% | 2,468 |
| Pretax return on assets | 1.4528% | 2,000 |
| Return on Equity (ROE) | 8.0612% | 3,233 |
| Retained earnings to average equity (ytd only) | 8.0612% | 1,616 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4109% | 6,865 |
| Assets per employee ($millions) | 7.7865% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,969 |
| Loan loss allowance to noncurrent loans | 1,721.0526% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 6,756 |
| Noncurrent loans to loans | 0.1227% | 6,359 |
| Net loans and leases to total assets | 24.3306% | 7,026 |
| Net loans and leases to deposits | 28.0153% | 7,042 |
| Net loans and leases to core deposits | 34.7455% | 6,944 |
| Total domestic deposits to total assets | 86.8474% | 2,862 |
| Equity capital to assets | 12.9214% | 1,557 |
| Core capital (leverage) ratio | 13.0793% | 1,128 |
| Tier 1 risk-based capital ratio | 37.2036% | 300 |
| Total risk-based capital ratio | 38.4562% | 289 |
| Memoranda: | ||
| Average total assets | $60,436,330 | 6,015 |
| Average earning assets | $58,987,000 | 5,871 |
| Average equity | $7,889,670 | 5,605 |
| Average total loans | $15,193,000 | 6,789 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 6,691 |
| Cost of funding earning assets | 0.9508% | 2,303 |
| Net interest margin | 2.5560% | 6,911 |
| Noninterest income to average assets | 0.2285% | 5,987 |
| Noninterest expense to average assets | 1.2502% | 7,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0620% | 2,244 |
| Return on assets (ROA) | 1.0620% | 2,437 |
| Pretax return on assets | 1.4721% | 1,953 |
| Return on Equity (ROE) | 8.0922% | 3,245 |
| Retained earnings to average equity (ytd only) | 8.0922% | 1,953 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9259% | 6,901 |
| Assets per employee ($millions) | 7.6733% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,979 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 6,834 |
| Noncurrent loans to loans | 0.1186% | 6,454 |
| Net loans and leases to total assets | 24.1896% | 7,080 |
| Net loans and leases to deposits | 27.8535% | 7,093 |
| Net loans and leases to core deposits | 33.7477% | 6,996 |
| Total domestic deposits to total assets | 86.8455% | 3,045 |
| Equity capital to assets | 12.8515% | 1,512 |
| Core capital (leverage) ratio | 13.1481% | 1,069 |
| Tier 1 risk-based capital ratio | 37.3515% | 280 |
| Total risk-based capital ratio | 38.6061% | 275 |
| Memoranda: | ||
| Average total assets | $59,508,500 | 6,081 |
| Average earning assets | $58,059,000 | 5,935 |
| Average equity | $7,810,000 | 5,653 |
| Average total loans | $15,048,000 | 6,853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 6,686 |
| Cost of funding earning assets | 1.1115% | 2,600 |
| Net interest margin | 2.7288% | 6,901 |
| Noninterest income to average assets | 0.2534% | 5,713 |
| Noninterest expense to average assets | 1.4515% | 7,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0641% | 1,942 |
| Return on assets (ROA) | 1.1094% | 1,911 |
| Pretax return on assets | 1.5224% | 1,408 |
| Return on Equity (ROE) | 8.2614% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.8859% | 2,087 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8478% | 6,844 |
| Assets per employee ($millions) | 8.2330% | 438 |
| Cash dividends to net income (ytd only)* | 28.7540% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 1,811 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,896 |
| Noncurrent loans to loans | 0.1206% | 6,509 |
| Net loans and leases to total assets | 25.3214% | 7,135 |
| Net loans and leases to deposits | 29.4374% | 7,147 |
| Net loans and leases to core deposits | 33.6415% | 7,083 |
| Total domestic deposits to total assets | 86.0179% | 3,316 |
| Equity capital to assets | 13.4147% | 1,312 |
| Core capital (leverage) ratio | 13.6114% | 921 |
| Tier 1 risk-based capital ratio | 37.6883% | 278 |
| Total risk-based capital ratio | 38.9412% | 270 |
| Memoranda: | ||
| Average total assets | $56,425,800 | 6,148 |
| Average earning assets | $54,969,200 | 6,019 |
| Average equity | $7,577,400 | 5,692 |
| Average total loans | $14,760,000 | 6,917 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 6,768 |
| Cost of funding earning assets | 1.1313% | 2,764 |
| Net interest margin | 2.7381% | 6,957 |
| Noninterest income to average assets | 0.2518% | 5,816 |
| Noninterest expense to average assets | 1.2923% | 7,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1773% | 1,722 |
| Return on assets (ROA) | 1.2234% | 1,701 |
| Pretax return on assets | 1.6914% | 1,164 |
| Return on Equity (ROE) | 9.1080% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.1080% | 1,109 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2636% | 7,137 |
| Assets per employee ($millions) | 8.1560% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2113% | 1,832 |
| Loan loss allowance to noncurrent loans | 961.7647% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 6,900 |
| Noncurrent loans to loans | 0.2299% | 6,409 |
| Net loans and leases to total assets | 25.3293% | 7,203 |
| Net loans and leases to deposits | 29.4545% | 7,225 |
| Net loans and leases to core deposits | 34.5973% | 7,153 |
| Total domestic deposits to total assets | 85.9945% | 3,215 |
| Equity capital to assets | 13.6622% | 1,300 |
| Core capital (leverage) ratio | 13.8946% | 923 |
| Tier 1 risk-based capital ratio | 38.6387% | 276 |
| Total risk-based capital ratio | 39.8920% | 271 |
| Memoranda: | ||
| Average total assets | $56,124,500 | 6,207 |
| Average earning assets | $54,683,500 | 6,074 |
| Average equity | $7,539,000 | 5,738 |
| Average total loans | $14,720,000 | 6,983 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 6,825 |
| Cost of funding earning assets | 1.1442% | 2,937 |
| Net interest margin | 2.7410% | 6,982 |
| Noninterest income to average assets | 0.2545% | 5,830 |
| Noninterest expense to average assets | 1.3405% | 7,383 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1507% | 1,715 |
| Return on assets (ROA) | 1.1899% | 1,697 |
| Pretax return on assets | 1.6379% | 1,188 |
| Return on Equity (ROE) | 8.9104% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.9104% | 1,142 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8333% | 7,162 |
| Assets per employee ($millions) | 8.0637% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1836% | 1,954 |
| Loan loss allowance to noncurrent loans | 2,725.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 7,057 |
| Noncurrent loans to loans | 0.0801% | 6,780 |
| Net loans and leases to total assets | 25.9505% | 7,285 |
| Net loans and leases to deposits | 30.1009% | 7,308 |
| Net loans and leases to core deposits | 34.7117% | 7,245 |
| Total domestic deposits to total assets | 86.2116% | 3,214 |
| Equity capital to assets | 13.4943% | 1,299 |
| Core capital (leverage) ratio | 13.3930% | 1,030 |
| Tier 1 risk-based capital ratio | 37.6669% | 287 |
| Total risk-based capital ratio | 38.9230% | 278 |
| Memoranda: | ||
| Average total assets | $55,802,000 | 6,267 |
| Average earning assets | $54,360,670 | 6,134 |
| Average equity | $7,452,000 | 5,785 |
| Average total loans | $14,697,330 | 7,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 6,758 |
| Cost of funding earning assets | 1.1479% | 3,170 |
| Net interest margin | 2.8067% | 6,894 |
| Noninterest income to average assets | 0.2740% | 5,716 |
| Noninterest expense to average assets | 1.4275% | 7,404 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1758% | 1,583 |
| Return on assets (ROA) | 1.2185% | 1,534 |
| Pretax return on assets | 1.6366% | 1,113 |
| Return on Equity (ROE) | 9.1729% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.1729% | 1,327 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4820% | 7,134 |
| Assets per employee ($millions) | 8.2566% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2846% | 1,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 24.1989% | 7,371 |
| Net loans and leases to deposits | 27.8883% | 7,389 |
| Net loans and leases to core deposits | 32.4336% | 7,348 |
| Total domestic deposits to total assets | 86.7707% | 3,080 |
| Equity capital to assets | 12.8971% | 1,427 |
| Core capital (leverage) ratio | 13.3186% | 1,022 |
| Tier 1 risk-based capital ratio | 37.0864% | 298 |
| Total risk-based capital ratio | 38.3402% | 292 |
| Memoranda: | ||
| Average total assets | $55,480,000 | 6,326 |
| Average earning assets | $54,013,000 | 6,200 |
| Average equity | $7,369,500 | 5,816 |
| Average total loans | $14,558,500 | 7,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1784% | 6,956 |
| Cost of funding earning assets | 1.3242% | 3,725 |
| Net interest margin | 2.8542% | 6,967 |
| Noninterest income to average assets | 0.3031% | 5,632 |
| Noninterest expense to average assets | 1.5270% | 7,436 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1040% | 1,697 |
| Return on assets (ROA) | 1.1241% | 1,708 |
| Pretax return on assets | 1.5722% | 1,202 |
| Return on Equity (ROE) | 8.4042% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.4334% | 1,596 |
| Net charge-offs to loans | -0.0066% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7241% | 7,146 |
| Assets per employee ($millions) | 6.6455% | 885 |
| Cash dividends to net income (ytd only)* | 23.4506% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 1,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 27.2308% | 7,423 |
| Net loans and leases to deposits | 31.7422% | 7,434 |
| Net loans and leases to core deposits | 35.3606% | 7,398 |
| Total domestic deposits to total assets | 85.7874% | 3,456 |
| Equity capital to assets | 13.7029% | 1,124 |
| Core capital (leverage) ratio | 13.7557% | 909 |
| Tier 1 risk-based capital ratio | 37.2920% | 290 |
| Total risk-based capital ratio | 38.5462% | 283 |
| Memoranda: | ||
| Average total assets | $53,110,400 | 6,427 |
| Average earning assets | $51,503,200 | 6,310 |
| Average equity | $7,103,600 | 5,998 |
| Average total loans | $15,044,400 | 7,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 7,128 |
| Cost of funding earning assets | 1.3472% | 3,921 |
| Net interest margin | 2.8238% | 7,101 |
| Noninterest income to average assets | 0.3063% | 5,704 |
| Noninterest expense to average assets | 1.3610% | 7,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1797% | 1,651 |
| Return on assets (ROA) | 1.1902% | 1,709 |
| Pretax return on assets | 1.6975% | 1,118 |
| Return on Equity (ROE) | 8.9538% | 2,508 |
| Retained earnings to average equity (ytd only) | 8.9538% | 1,069 |
| Net charge-offs to loans | -0.0088% | 7,257 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7195% | 7,439 |
| Assets per employee ($millions) | 6.7003% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 27.2023% | 7,524 |
| Net loans and leases to deposits | 31.6339% | 7,545 |
| Net loans and leases to core deposits | 34.0964% | 7,533 |
| Total domestic deposits to total assets | 85.9912% | 3,082 |
| Equity capital to assets | 13.6226% | 1,307 |
| Core capital (leverage) ratio | 13.6813% | 996 |
| Tier 1 risk-based capital ratio | 36.9105% | 308 |
| Total risk-based capital ratio | 38.1742% | 300 |
| Memoranda: | ||
| Average total assets | $53,097,000 | 6,503 |
| Average earning assets | $51,465,250 | 6,386 |
| Average equity | $7,058,250 | 6,088 |
| Average total loans | $15,104,500 | 7,253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 7,285 |
| Cost of funding earning assets | 1.3700% | 4,058 |
| Net interest margin | 2.7322% | 7,217 |
| Noninterest income to average assets | 0.3174% | 5,618 |
| Noninterest expense to average assets | 1.3981% | 7,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1303% | 1,758 |
| Return on assets (ROA) | 1.1412% | 1,789 |
| Pretax return on assets | 1.5795% | 1,358 |
| Return on Equity (ROE) | 8.6570% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.6570% | 1,212 |
| Net charge-offs to loans | -0.0132% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1939% | 7,385 |
| Assets per employee ($millions) | 6.6800% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,771 |
| Loan loss allowance to noncurrent loans | 778.5714% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 7,201 |
| Noncurrent loans to loans | 0.2817% | 6,669 |
| Net loans and leases to total assets | 27.2867% | 7,594 |
| Net loans and leases to deposits | 31.5915% | 7,617 |
| Net loans and leases to core deposits | 36.3959% | 7,564 |
| Total domestic deposits to total assets | 86.3735% | 2,884 |
| Equity capital to assets | 13.3421% | 1,418 |
| Core capital (leverage) ratio | 13.4391% | 1,078 |
| Tier 1 risk-based capital ratio | 36.4818% | 314 |
| Total risk-based capital ratio | 37.7354% | 308 |
| Memoranda: | ||
| Average total assets | $52,928,670 | 6,555 |
| Average earning assets | $51,241,330 | 6,433 |
| Average equity | $6,977,000 | 6,147 |
| Average total loans | $15,170,000 | 7,305 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 7,269 |
| Cost of funding earning assets | 1.4326% | 3,970 |
| Net interest margin | 2.7629% | 7,234 |
| Noninterest income to average assets | 0.3493% | 5,345 |
| Noninterest expense to average assets | 1.4732% | 7,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0829% | 1,887 |
| Return on assets (ROA) | 1.0935% | 1,931 |
| Pretax return on assets | 1.5568% | 1,374 |
| Return on Equity (ROE) | 8.3472% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.3472% | 1,578 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8665% | 7,384 |
| Assets per employee ($millions) | 6.7641% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 1,872 |
| Loan loss allowance to noncurrent loans | 740.9091% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 7,287 |
| Noncurrent loans to loans | 0.2887% | 6,751 |
| Net loans and leases to total assets | 27.5645% | 7,682 |
| Net loans and leases to deposits | 31.7734% | 7,701 |
| Net loans and leases to core deposits | 34.6457% | 7,676 |
| Total domestic deposits to total assets | 86.7536% | 2,765 |
| Equity capital to assets | 12.8860% | 1,566 |
| Core capital (leverage) ratio | 13.0826% | 1,189 |
| Tier 1 risk-based capital ratio | 35.2296% | 352 |
| Total risk-based capital ratio | 36.4826% | 346 |
| Memoranda: | ||
| Average total assets | $52,673,000 | 6,644 |
| Average earning assets | $50,815,500 | 6,514 |
| Average equity | $6,900,500 | 6,224 |
| Average total loans | $15,300,500 | 7,389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 7,123 |
| Cost of funding earning assets | 1.7008% | 4,504 |
| Net interest margin | 3.0099% | 6,618 |
| Noninterest income to average assets | 0.3120% | 5,850 |
| Noninterest expense to average assets | 1.5794% | 7,779 |
| Loan and lease loss provision to assets | 0.0388% | 7,158 |
| Net operating income to assets | 1.1230% | 1,458 |
| Return on assets (ROA) | 1.1298% | 1,469 |
| Pretax return on assets | 1.6220% | 919 |
| Return on Equity (ROE) | 8.7351% | 2,106 |
| Retained earnings to average equity (ytd only) | 6.6375% | 1,103 |
| Net charge-offs to loans | 0.0384% | 6,735 |
| Credit loss provision to net charge-offs | 333.3333% | 975 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 206 |
| Efficiency ratio | 48.8902% | 7,591 |
| Assets per employee ($millions) | 6.4041% | 1,024 |
| Cash dividends to net income (ytd only)* | 24.0137% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1225% | 1,785 |
| Loan loss allowance to noncurrent loans | 724.4444% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 7,274 |
| Noncurrent loans to loans | 0.2930% | 6,696 |
| Net loans and leases to total assets | 29.3424% | 7,727 |
| Net loans and leases to deposits | 34.1054% | 7,762 |
| Net loans and leases to core deposits | 46.9605% | 7,648 |
| Total domestic deposits to total assets | 86.0344% | 3,004 |
| Equity capital to assets | 13.3273% | 1,387 |
| Core capital (leverage) ratio | 13.2804% | 1,166 |
| Tier 1 risk-based capital ratio | 35.2850% | 337 |
| Total risk-based capital ratio | 36.5407% | 333 |
| Memoranda: | ||
| Average total assets | $51,603,200 | 6,648 |
| Average earning assets | $50,035,600 | 6,530 |
| Average equity | $6,674,200 | 6,370 |
| Average total loans | $15,640,000 | 7,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 7,184 |
| Cost of funding earning assets | 1.7270% | 4,760 |
| Net interest margin | 3.0349% | 6,506 |
| Noninterest income to average assets | 0.3250% | 5,883 |
| Noninterest expense to average assets | 1.4056% | 7,920 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2971% | 1,226 |
| Return on assets (ROA) | 1.3025% | 1,282 |
| Pretax return on assets | 1.8776% | 688 |
| Return on Equity (ROE) | 10.1469% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.1469% | 613 |
| Net charge-offs to loans | 0.0255% | 6,526 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 241.6600% | 158 |
| Efficiency ratio | 42.9134% | 7,865 |
| Assets per employee ($millions) | 6.4536% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 1,867 |
| Loan loss allowance to noncurrent loans | 996.7742% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 7,301 |
| Noncurrent loans to loans | 0.1976% | 7,010 |
| Net loans and leases to total assets | 29.7856% | 7,813 |
| Net loans and leases to deposits | 34.5697% | 7,852 |
| Net loans and leases to core deposits | 47.8335% | 7,735 |
| Total domestic deposits to total assets | 86.1609% | 2,611 |
| Equity capital to assets | 13.3452% | 1,555 |
| Core capital (leverage) ratio | 13.3530% | 1,278 |
| Tier 1 risk-based capital ratio | 35.0137% | 382 |
| Total risk-based capital ratio | 36.2689% | 381 |
| Memoranda: | ||
| Average total assets | $51,695,750 | 6,698 |
| Average earning assets | $50,258,250 | 6,567 |
| Average equity | $6,635,750 | 6,438 |
| Average total loans | $15,710,250 | 7,484 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 7,295 |
| Cost of funding earning assets | 1.7506% | 5,005 |
| Net interest margin | 3.0078% | 6,530 |
| Noninterest income to average assets | 0.3287% | 5,885 |
| Noninterest expense to average assets | 1.3806% | 8,019 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2786% | 1,283 |
| Return on assets (ROA) | 1.2839% | 1,357 |
| Pretax return on assets | 1.8794% | 725 |
| Return on Equity (ROE) | 10.1359% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.1359% | 708 |
| Net charge-offs to loans | 0.0636% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 96.8000% | 394 |
| Efficiency ratio | 42.4495% | 7,967 |
| Assets per employee ($millions) | 6.4321% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9663% | 1,643 |
| Loan loss allowance to noncurrent loans | 990.3226% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 7,335 |
| Noncurrent loans to loans | 0.1986% | 7,020 |
| Net loans and leases to total assets | 29.7452% | 7,891 |
| Net loans and leases to deposits | 34.3692% | 7,929 |
| Net loans and leases to core deposits | 47.3211% | 7,812 |
| Total domestic deposits to total assets | 86.5460% | 2,486 |
| Equity capital to assets | 13.0536% | 1,673 |
| Core capital (leverage) ratio | 12.8565% | 1,478 |
| Tier 1 risk-based capital ratio | 34.3545% | 435 |
| Total risk-based capital ratio | 35.6076% | 428 |
| Memoranda: | ||
| Average total assets | $51,718,000 | 6,763 |
| Average earning assets | $50,269,330 | 6,621 |
| Average equity | $6,551,000 | 6,518 |
| Average total loans | $15,718,000 | 7,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 7,534 |
| Cost of funding earning assets | 1.7689% | 5,266 |
| Net interest margin | 2.9111% | 6,718 |
| Noninterest income to average assets | 0.3857% | 5,332 |
| Noninterest expense to average assets | 1.3964% | 8,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2699% | 1,454 |
| Return on assets (ROA) | 1.2807% | 1,530 |
| Pretax return on assets | 1.8361% | 916 |
| Return on Equity (ROE) | 10.2659% | 2,212 |
| Retained earnings to average equity (ytd only) | 10.2659% | 1,126 |
| Net charge-offs to loans | 0.1015% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 653 |
| Efficiency ratio | 43.4053% | 7,951 |
| Assets per employee ($millions) | 6.7068% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 1,456 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 7,408 |
| Noncurrent loans to loans | 0.0902% | 7,266 |
| Net loans and leases to total assets | 28.3520% | 7,953 |
| Net loans and leases to deposits | 32.4460% | 8,006 |
| Net loans and leases to core deposits | 46.0356% | 7,870 |
| Total domestic deposits to total assets | 87.3821% | 2,022 |
| Equity capital to assets | 12.2097% | 2,131 |
| Core capital (leverage) ratio | 12.5686% | 1,662 |
| Tier 1 risk-based capital ratio | 32.6749% | 503 |
| Total risk-based capital ratio | 33.9269% | 494 |
| Memoranda: | ||
| Average total assets | $51,848,500 | 6,789 |
| Average earning assets | $50,427,000 | 6,641 |
| Average equity | $6,468,000 | 6,591 |
| Average total loans | $15,770,500 | 7,592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 7,572 |
| Cost of funding earning assets | 2.3836% | 4,791 |
| Net interest margin | 2.9418% | 7,052 |
| Noninterest income to average assets | 0.3113% | 6,227 |
| Noninterest expense to average assets | 1.5080% | 8,032 |
| Loan and lease loss provision to assets | 0.0505% | 6,781 |
| Net operating income to assets | 1.1197% | 2,072 |
| Return on assets (ROA) | 1.1664% | 1,814 |
| Pretax return on assets | 1.6637% | 1,232 |
| Return on Equity (ROE) | 9.3125% | 2,521 |
| Retained earnings to average equity (ytd only) | 7.3757% | 1,029 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7899% | 7,822 |
| Assets per employee ($millions) | 6.2554% | 1,004 |
| Cash dividends to net income (ytd only)* | 20.7972% | 4,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 1,323 |
| Loan loss allowance to noncurrent loans | 528.8136% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 7,105 |
| Noncurrent loans to loans | 0.3683% | 6,263 |
| Net loans and leases to total assets | 31.3910% | 7,961 |
| Net loans and leases to deposits | 36.2727% | 8,020 |
| Net loans and leases to core deposits | 49.0998% | 7,906 |
| Total domestic deposits to total assets | 86.5416% | 2,158 |
| Equity capital to assets | 12.7590% | 1,887 |
| Core capital (leverage) ratio | 12.8683% | 1,586 |
| Tier 1 risk-based capital ratio | 32.1646% | 541 |
| Total risk-based capital ratio | 33.4190% | 527 |
| Memoranda: | ||
| Average total assets | $49,469,000 | 6,802 |
| Average earning assets | $47,827,200 | 6,673 |
| Average equity | $6,196,000 | 6,740 |
| Average total loans | $15,918,600 | 7,596 |