Home > Peoples Bank & Trust Company > Performance and Condition Ratios
Peoples Bank & Trust Company, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 943 |
| Cost of funding earning assets | 0.5244% | 3,829 |
| Net interest margin | 4.4877% | 515 |
| Noninterest income to average assets | 0.6937% | 1,676 |
| Noninterest expense to average assets | 4.1315% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5412% | 3,771 |
| Return on assets (ROA) | 0.5412% | 3,830 |
| Pretax return on assets | 0.5412% | 4,051 |
| Return on Equity (ROE) | 3.5949% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.5949% | 2,851 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4176% | 564 |
| Assets per employee ($millions) | 4.3675% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9466% | 155 |
| Loan loss allowance to noncurrent loans | 547.9798% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,929 |
| Noncurrent loans to loans | 0.5377% | 2,652 |
| Net loans and leases to total assets | 68.1874% | 2,513 |
| Net loans and leases to deposits | 81.7257% | 2,490 |
| Net loans and leases to core deposits | 82.7897% | 2,955 |
| Total domestic deposits to total assets | 83.4345% | 2,966 |
| Equity capital to assets | 15.1441% | 733 |
| Core capital (leverage) ratio | 14.9669% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3588% | 477 |
| Memoranda: | ||
| Average total assets | $52,475,500 | 4,676 |
| Average earning assets | $46,527,500 | 4,702 |
| Average equity | $7,900,000 | 4,493 |
| Average total loans | $36,296,000 | 4,446 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 800 |
| Cost of funding earning assets | 0.4875% | 4,143 |
| Net interest margin | 4.8231% | 380 |
| Noninterest income to average assets | 1.1108% | 772 |
| Noninterest expense to average assets | 4.0904% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1994% | 2,060 |
| Return on assets (ROA) | 1.5690% | 956 |
| Pretax return on assets | 1.5690% | 1,594 |
| Return on Equity (ROE) | 11.1150% | 1,837 |
| Retained earnings to average equity (ytd only) | 11.1150% | 318 |
| Net charge-offs to loans | -0.0165% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3262% | 1,231 |
| Assets per employee ($millions) | 3.7529% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0333% | 124 |
| Loan loss allowance to noncurrent loans | 531.8627% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 2,852 |
| Noncurrent loans to loans | 0.5703% | 2,478 |
| Net loans and leases to total assets | 66.0151% | 2,953 |
| Net loans and leases to deposits | 83.7438% | 2,362 |
| Net loans and leases to core deposits | 84.8978% | 2,878 |
| Total domestic deposits to total assets | 78.8299% | 4,213 |
| Equity capital to assets | 14.9655% | 802 |
| Core capital (leverage) ratio | 14.4663% | 809 |
| Tier 1 risk-based capital ratio | 21.0705% | 1,153 |
| Total risk-based capital ratio | 22.3414% | 1,125 |
| Memoranda: | ||
| Average total assets | $53,026,600 | 4,699 |
| Average earning assets | $45,945,600 | 4,752 |
| Average equity | $7,485,400 | 4,577 |
| Average total loans | $36,254,600 | 4,495 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 845 |
| Cost of funding earning assets | 0.4640% | 4,290 |
| Net interest margin | 4.8460% | 383 |
| Noninterest income to average assets | 1.2167% | 618 |
| Noninterest expense to average assets | 3.7805% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6281% | 867 |
| Return on assets (ROA) | 2.1198% | 322 |
| Pretax return on assets | 2.1198% | 526 |
| Return on Equity (ROE) | 15.2434% | 724 |
| Retained earnings to average equity (ytd only) | 15.2434% | 134 |
| Net charge-offs to loans | -0.0147% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8980% | 2,129 |
| Assets per employee ($millions) | 3.4348% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 135 |
| Loan loss allowance to noncurrent loans | 234.4156% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,515 |
| Noncurrent loans to loans | 1.2600% | 1,240 |
| Net loans and leases to total assets | 69.0676% | 2,613 |
| Net loans and leases to deposits | 88.0926% | 1,918 |
| Net loans and leases to core deposits | 89.3332% | 2,602 |
| Total domestic deposits to total assets | 78.4034% | 4,289 |
| Equity capital to assets | 15.4031% | 749 |
| Core capital (leverage) ratio | 14.8905% | 762 |
| Tier 1 risk-based capital ratio | 21.3468% | 1,148 |
| Total risk-based capital ratio | 22.6183% | 1,121 |
| Memoranda: | ||
| Average total assets | $53,148,000 | 4,769 |
| Average earning assets | $45,974,500 | 4,816 |
| Average equity | $7,391,000 | 4,641 |
| Average total loans | $36,375,750 | 4,551 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2509% | 893 |
| Cost of funding earning assets | 0.4276% | 4,403 |
| Net interest margin | 4.8233% | 390 |
| Noninterest income to average assets | 0.7897% | 1,381 |
| Noninterest expense to average assets | 3.7810% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2107% | 2,110 |
| Return on assets (ROA) | 1.0877% | 2,638 |
| Pretax return on assets | 1.0877% | 3,272 |
| Return on Equity (ROE) | 8.1006% | 3,248 |
| Retained earnings to average equity (ytd only) | 8.1006% | 1,349 |
| Net charge-offs to loans | -0.0221% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7463% | 1,428 |
| Assets per employee ($millions) | 3.5306% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9649% | 129 |
| Loan loss allowance to noncurrent loans | 150.6259% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 899 |
| Noncurrent loans to loans | 1.9684% | 735 |
| Net loans and leases to total assets | 66.9272% | 2,979 |
| Net loans and leases to deposits | 83.6614% | 2,527 |
| Net loans and leases to core deposits | 84.7760% | 3,053 |
| Total domestic deposits to total assets | 79.9977% | 4,040 |
| Equity capital to assets | 14.2525% | 1,030 |
| Core capital (leverage) ratio | 13.5363% | 1,102 |
| Tier 1 risk-based capital ratio | 19.8504% | 1,378 |
| Total risk-based capital ratio | 21.1206% | 1,343 |
| Memoranda: | ||
| Average total assets | $53,690,000 | 4,793 |
| Average earning assets | $46,773,330 | 4,840 |
| Average equity | $7,209,330 | 4,693 |
| Average total loans | $36,278,330 | 4,586 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 862 |
| Cost of funding earning assets | 0.3752% | 4,591 |
| Net interest margin | 4.8523% | 368 |
| Noninterest income to average assets | 0.7622% | 1,387 |
| Noninterest expense to average assets | 3.7813% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1914% | 2,094 |
| Return on assets (ROA) | 0.9472% | 3,104 |
| Pretax return on assets | 0.9472% | 3,622 |
| Return on Equity (ROE) | 7.2727% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.2727% | 1,942 |
| Net charge-offs to loans | -0.0443% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0417% | 1,492 |
| Assets per employee ($millions) | 3.3650% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0299% | 128 |
| Loan loss allowance to noncurrent loans | 143.8247% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 899 |
| Noncurrent loans to loans | 2.1066% | 694 |
| Net loans and leases to total assets | 64.3778% | 3,237 |
| Net loans and leases to deposits | 79.2559% | 2,924 |
| Net loans and leases to core deposits | 80.2765% | 3,340 |
| Total domestic deposits to total assets | 81.2277% | 3,924 |
| Equity capital to assets | 13.3692% | 1,259 |
| Core capital (leverage) ratio | 13.2635% | 1,160 |
| Tier 1 risk-based capital ratio | 19.5121% | 1,436 |
| Total risk-based capital ratio | 20.7816% | 1,408 |
| Memoranda: | ||
| Average total assets | $54,055,500 | 4,840 |
| Average earning assets | $46,905,500 | 4,886 |
| Average equity | $7,040,000 | 4,745 |
| Average total loans | $36,154,000 | 4,635 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 748 |
| Cost of funding earning assets | 0.3319% | 4,397 |
| Net interest margin | 4.8314% | 371 |
| Noninterest income to average assets | 0.7960% | 1,458 |
| Noninterest expense to average assets | 3.8466% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1958% | 2,189 |
| Return on assets (ROA) | 1.1742% | 2,278 |
| Pretax return on assets | 1.1742% | 2,992 |
| Return on Equity (ROE) | 9.0195% | 2,984 |
| Retained earnings to average equity (ytd only) | -10.8317% | 5,326 |
| Net charge-offs to loans | -0.0164% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2857% | 1,319 |
| Assets per employee ($millions) | 3.6181% | 4,430 |
| Cash dividends to net income (ytd only)* | 220.0920% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9510% | 141 |
| Loan loss allowance to noncurrent loans | 131.2652% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5146% | 776 |
| Noncurrent loans to loans | 2.2481% | 574 |
| Net loans and leases to total assets | 65.3848% | 3,212 |
| Net loans and leases to deposits | 79.8654% | 2,970 |
| Net loans and leases to core deposits | 80.9402% | 3,354 |
| Total domestic deposits to total assets | 81.8688% | 3,679 |
| Equity capital to assets | 12.6808% | 1,492 |
| Core capital (leverage) ratio | 12.4743% | 1,469 |
| Tier 1 risk-based capital ratio | 19.0429% | 1,513 |
| Total risk-based capital ratio | 20.3128% | 1,468 |
| Memoranda: | ||
| Average total assets | $55,529,000 | 4,845 |
| Average earning assets | $48,806,000 | 4,878 |
| Average equity | $7,228,800 | 4,717 |
| Average total loans | $36,561,000 | 4,643 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 732 |
| Cost of funding earning assets | 0.3008% | 4,507 |
| Net interest margin | 4.8159% | 367 |
| Noninterest income to average assets | 0.7784% | 1,545 |
| Noninterest expense to average assets | 3.8129% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2081% | 2,211 |
| Return on assets (ROA) | 1.1818% | 2,316 |
| Pretax return on assets | 1.1818% | 3,059 |
| Return on Equity (ROE) | 9.0217% | 3,070 |
| Retained earnings to average equity (ytd only) | -5.5589% | 5,328 |
| Net charge-offs to loans | -0.0219% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9391% | 1,358 |
| Assets per employee ($millions) | 3.5949% | 4,442 |
| Cash dividends to net income (ytd only)* | 161.6170% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9673% | 146 |
| Loan loss allowance to noncurrent loans | 144.6381% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3835% | 968 |
| Noncurrent loans to loans | 2.0515% | 706 |
| Net loans and leases to total assets | 65.4340% | 3,254 |
| Net loans and leases to deposits | 84.4115% | 2,548 |
| Net loans and leases to core deposits | 85.6179% | 3,036 |
| Total domestic deposits to total assets | 77.5179% | 4,563 |
| Equity capital to assets | 13.4191% | 1,164 |
| Core capital (leverage) ratio | 13.5589% | 1,082 |
| Tier 1 risk-based capital ratio | 20.4738% | 1,253 |
| Total risk-based capital ratio | 21.7455% | 1,223 |
| Memoranda: | ||
| Average total assets | $55,843,500 | 4,890 |
| Average earning assets | $49,196,500 | 4,924 |
| Average equity | $7,315,500 | 4,750 |
| Average total loans | $36,560,250 | 4,690 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 659 |
| Cost of funding earning assets | 0.2808% | 4,559 |
| Net interest margin | 4.8210% | 351 |
| Noninterest income to average assets | 0.7790% | 1,541 |
| Noninterest expense to average assets | 3.7958% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2393% | 2,028 |
| Return on assets (ROA) | 1.2003% | 2,196 |
| Pretax return on assets | 1.2003% | 2,946 |
| Return on Equity (ROE) | 9.2345% | 2,923 |
| Retained earnings to average equity (ytd only) | -12.5579% | 5,442 |
| Net charge-offs to loans | -0.0218% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3868% | 1,507 |
| Assets per employee ($millions) | 3.4446% | 4,665 |
| Cash dividends to net income (ytd only)* | 235.9882% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 148 |
| Loan loss allowance to noncurrent loans | 145.1482% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 1,040 |
| Noncurrent loans to loans | 2.0405% | 727 |
| Net loans and leases to total assets | 64.0237% | 3,396 |
| Net loans and leases to deposits | 78.0284% | 3,155 |
| Net loans and leases to core deposits | 79.0581% | 3,493 |
| Total domestic deposits to total assets | 82.0517% | 3,704 |
| Equity capital to assets | 13.0130% | 1,285 |
| Core capital (leverage) ratio | 12.9426% | 1,247 |
| Tier 1 risk-based capital ratio | 19.7590% | 1,369 |
| Total risk-based capital ratio | 21.0292% | 1,335 |
| Memoranda: | ||
| Average total assets | $56,483,670 | 4,931 |
| Average earning assets | $49,865,670 | 4,969 |
| Average equity | $7,342,000 | 4,793 |
| Average total loans | $36,626,000 | 4,731 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0152% | 676 |
| Cost of funding earning assets | 0.2852% | 4,457 |
| Net interest margin | 4.7300% | 387 |
| Noninterest income to average assets | 0.7487% | 1,628 |
| Noninterest expense to average assets | 3.8343% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0915% | 2,462 |
| Return on assets (ROA) | 1.0145% | 2,819 |
| Pretax return on assets | 1.0145% | 3,480 |
| Return on Equity (ROE) | 7.8093% | 3,462 |
| Retained earnings to average equity (ytd only) | -35.2767% | 5,563 |
| Net charge-offs to loans | -0.0218% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8409% | 1,366 |
| Assets per employee ($millions) | 3.3363% | 4,856 |
| Cash dividends to net income (ytd only)* | 551.7241% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 176 |
| Loan loss allowance to noncurrent loans | 133.5404% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 1,011 |
| Noncurrent loans to loans | 2.1504% | 712 |
| Net loans and leases to total assets | 64.1078% | 3,290 |
| Net loans and leases to deposits | 77.1647% | 3,096 |
| Net loans and leases to core deposits | 78.1381% | 3,484 |
| Total domestic deposits to total assets | 83.0791% | 3,642 |
| Equity capital to assets | 12.3667% | 1,568 |
| Core capital (leverage) ratio | 12.2577% | 1,495 |
| Tier 1 risk-based capital ratio | 18.5139% | 1,687 |
| Total risk-based capital ratio | 19.7838% | 1,644 |
| Memoranda: | ||
| Average total assets | $57,168,500 | 4,976 |
| Average earning assets | $50,486,500 | 5,020 |
| Average equity | $7,427,000 | 4,832 |
| Average total loans | $36,757,500 | 4,787 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 522 |
| Cost of funding earning assets | 0.2749% | 4,368 |
| Net interest margin | 4.8339% | 325 |
| Noninterest income to average assets | 0.9365% | 1,172 |
| Noninterest expense to average assets | 3.7850% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4083% | 997 |
| Return on assets (ROA) | 1.4030% | 1,030 |
| Pretax return on assets | 1.4030% | 1,977 |
| Return on Equity (ROE) | 10.4899% | 1,680 |
| Retained earnings to average equity (ytd only) | 2.5630% | 3,786 |
| Net charge-offs to loans | 0.0220% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 99.6250% | 647 |
| Efficiency ratio | 72.8819% | 2,083 |
| Assets per employee ($millions) | 3.6013% | 4,571 |
| Cash dividends to net income (ytd only)* | 75.5668% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9739% | 144 |
| Loan loss allowance to noncurrent loans | 125.3505% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4856% | 923 |
| Noncurrent loans to loans | 2.3725% | 589 |
| Net loans and leases to total assets | 60.7549% | 3,760 |
| Net loans and leases to deposits | 74.3375% | 3,496 |
| Net loans and leases to core deposits | 75.2758% | 3,797 |
| Total domestic deposits to total assets | 81.7286% | 3,937 |
| Equity capital to assets | 13.6064% | 1,017 |
| Core capital (leverage) ratio | 13.1585% | 1,088 |
| Tier 1 risk-based capital ratio | 22.0025% | 1,016 |
| Total risk-based capital ratio | 23.2723% | 995 |
| Memoranda: | ||
| Average total assets | $56,591,200 | 5,034 |
| Average earning assets | $49,835,600 | 5,067 |
| Average equity | $7,569,200 | 4,847 |
| Average total loans | $36,313,000 | 4,837 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 452 |
| Cost of funding earning assets | 0.2747% | 4,361 |
| Net interest margin | 4.8827% | 285 |
| Noninterest income to average assets | 0.9751% | 1,079 |
| Noninterest expense to average assets | 3.7348% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5313% | 835 |
| Return on assets (ROA) | 1.5266% | 869 |
| Pretax return on assets | 1.5266% | 1,677 |
| Return on Equity (ROE) | 11.4641% | 1,501 |
| Retained earnings to average equity (ytd only) | 0.7998% | 5,036 |
| Net charge-offs to loans | 0.0183% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 129.3328% | 595 |
| Efficiency ratio | 70.9213% | 2,378 |
| Assets per employee ($millions) | 3.5851% | 4,599 |
| Cash dividends to net income (ytd only)* | 93.0231% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9058% | 173 |
| Loan loss allowance to noncurrent loans | 90.4202% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 573 |
| Noncurrent loans to loans | 3.2136% | 366 |
| Net loans and leases to total assets | 62.6802% | 3,583 |
| Net loans and leases to deposits | 76.3517% | 3,339 |
| Net loans and leases to core deposits | 77.3138% | 3,697 |
| Total domestic deposits to total assets | 82.0941% | 3,749 |
| Equity capital to assets | 13.4185% | 1,190 |
| Core capital (leverage) ratio | 13.2632% | 1,115 |
| Tier 1 risk-based capital ratio | 20.7059% | 1,246 |
| Total risk-based capital ratio | 21.9764% | 1,213 |
| Memoranda: | ||
| Average total assets | $56,334,000 | 5,094 |
| Average earning assets | $49,507,000 | 5,132 |
| Average equity | $7,501,500 | 4,911 |
| Average total loans | $36,371,250 | 4,887 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3461% | 307 |
| Cost of funding earning assets | 0.2769% | 4,318 |
| Net interest margin | 5.0692% | 196 |
| Noninterest income to average assets | 1.1323% | 779 |
| Noninterest expense to average assets | 3.7648% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8146% | 441 |
| Return on assets (ROA) | 1.8146% | 454 |
| Pretax return on assets | 1.8146% | 812 |
| Return on Equity (ROE) | 13.6627% | 880 |
| Retained earnings to average equity (ytd only) | -2.4743% | 5,378 |
| Net charge-offs to loans | 0.0443% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 912 |
| Efficiency ratio | 67.4776% | 3,097 |
| Assets per employee ($millions) | 3.3381% | 4,940 |
| Cash dividends to net income (ytd only)* | 118.1102% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9963% | 162 |
| Loan loss allowance to noncurrent loans | 111.7708% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 778 |
| Noncurrent loans to loans | 2.6807% | 525 |
| Net loans and leases to total assets | 61.2145% | 3,720 |
| Net loans and leases to deposits | 74.3361% | 3,512 |
| Net loans and leases to core deposits | 75.2785% | 3,833 |
| Total domestic deposits to total assets | 82.3483% | 3,786 |
| Equity capital to assets | 13.3890% | 1,191 |
| Core capital (leverage) ratio | 13.0772% | 1,142 |
| Tier 1 risk-based capital ratio | 20.2902% | 1,305 |
| Total risk-based capital ratio | 21.5609% | 1,280 |
| Memoranda: | ||
| Average total assets | $55,991,670 | 5,136 |
| Average earning assets | $49,120,000 | 5,173 |
| Average equity | $7,436,330 | 4,939 |
| Average total loans | $36,151,670 | 4,928 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8570% | 147 |
| Cost of funding earning assets | 0.2801% | 4,257 |
| Net interest margin | 5.5770% | 100 |
| Noninterest income to average assets | 0.7552% | 1,728 |
| Noninterest expense to average assets | 3.7545% | 719 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8700% | 389 |
| Return on assets (ROA) | 1.8700% | 405 |
| Pretax return on assets | 1.8700% | 691 |
| Return on Equity (ROE) | 14.1391% | 776 |
| Retained earnings to average equity (ytd only) | -18.4896% | 5,710 |
| Net charge-offs to loans | -0.0330% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7519% | 3,373 |
| Assets per employee ($millions) | 3.4868% | 4,803 |
| Cash dividends to net income (ytd only)* | 230.7692% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0271% | 167 |
| Loan loss allowance to noncurrent loans | 118.4699% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7799% | 807 |
| Noncurrent loans to loans | 2.5552% | 606 |
| Net loans and leases to total assets | 62.2452% | 3,505 |
| Net loans and leases to deposits | 75.0054% | 3,304 |
| Net loans and leases to core deposits | 75.9636% | 3,655 |
| Total domestic deposits to total assets | 82.9877% | 3,847 |
| Equity capital to assets | 12.8986% | 1,301 |
| Core capital (leverage) ratio | 12.8480% | 1,201 |
| Tier 1 risk-based capital ratio | 19.4530% | 1,501 |
| Total risk-based capital ratio | 20.7215% | 1,467 |
| Memoranda: | ||
| Average total assets | $55,613,500 | 5,199 |
| Average earning assets | $48,557,000 | 5,237 |
| Average equity | $7,355,500 | 4,992 |
| Average total loans | $36,322,000 | 4,963 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 515 |
| Cost of funding earning assets | 0.2925% | 4,148 |
| Net interest margin | 4.7914% | 356 |
| Noninterest income to average assets | 0.7661% | 1,898 |
| Noninterest expense to average assets | 3.7177% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2520% | 1,352 |
| Return on assets (ROA) | 1.0955% | 2,012 |
| Pretax return on assets | 1.0955% | 3,121 |
| Return on Equity (ROE) | 8.0011% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.0011% | 854 |
| Net charge-offs to loans | 0.0247% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 76.4444% | 737 |
| Efficiency ratio | 74.8078% | 2,164 |
| Assets per employee ($millions) | 3.2611% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9348% | 187 |
| Loan loss allowance to noncurrent loans | 272.9798% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 2,209 |
| Noncurrent loans to loans | 1.0751% | 1,935 |
| Net loans and leases to total assets | 64.4919% | 3,288 |
| Net loans and leases to deposits | 78.4952% | 3,047 |
| Net loans and leases to core deposits | 79.5147% | 3,439 |
| Total domestic deposits to total assets | 82.1603% | 4,026 |
| Equity capital to assets | 13.5557% | 1,021 |
| Core capital (leverage) ratio | 13.6407% | 921 |
| Tier 1 risk-based capital ratio | 19.0270% | 1,593 |
| Total risk-based capital ratio | 20.2951% | 1,551 |
| Memoranda: | ||
| Average total assets | $54,953,000 | 5,243 |
| Average earning assets | $48,211,000 | 5,283 |
| Average equity | $7,524,000 | 5,003 |
| Average total loans | $36,497,800 | 5,002 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 548 |
| Cost of funding earning assets | 0.2896% | 4,212 |
| Net interest margin | 4.7550% | 393 |
| Noninterest income to average assets | 0.7903% | 1,803 |
| Noninterest expense to average assets | 3.6231% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3593% | 1,146 |
| Return on assets (ROA) | 1.3593% | 1,225 |
| Pretax return on assets | 1.3593% | 2,197 |
| Return on Equity (ROE) | 9.9028% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.9028% | 594 |
| Net charge-offs to loans | 0.0220% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 93.1638% | 695 |
| Efficiency ratio | 72.7184% | 2,468 |
| Assets per employee ($millions) | 3.1692% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9217% | 207 |
| Loan loss allowance to noncurrent loans | 244.1441% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 2,483 |
| Noncurrent loans to loans | 1.1967% | 1,873 |
| Net loans and leases to total assets | 66.8523% | 2,977 |
| Net loans and leases to deposits | 82.2704% | 2,695 |
| Net loans and leases to core deposits | 83.8662% | 3,135 |
| Total domestic deposits to total assets | 81.2592% | 4,179 |
| Equity capital to assets | 14.4756% | 880 |
| Core capital (leverage) ratio | 13.7986% | 909 |
| Tier 1 risk-based capital ratio | 19.4965% | 1,550 |
| Total risk-based capital ratio | 20.7643% | 1,509 |
| Memoranda: | ||
| Average total assets | $54,831,750 | 5,295 |
| Average earning assets | $48,341,250 | 5,333 |
| Average equity | $7,526,250 | 5,059 |
| Average total loans | $36,413,750 | 5,046 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 591 |
| Cost of funding earning assets | 0.2880% | 4,264 |
| Net interest margin | 4.7155% | 414 |
| Noninterest income to average assets | 0.7869% | 1,774 |
| Noninterest expense to average assets | 3.6337% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3092% | 1,247 |
| Return on assets (ROA) | 1.3092% | 1,346 |
| Pretax return on assets | 1.3092% | 2,368 |
| Return on Equity (ROE) | 9.7104% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.7104% | 659 |
| Net charge-offs to loans | 0.0276% | 2,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 72.2000% | 756 |
| Efficiency ratio | 73.5143% | 2,429 |
| Assets per employee ($millions) | 3.2201% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0410% | 186 |
| Loan loss allowance to noncurrent loans | 262.7119% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 2,714 |
| Noncurrent loans to loans | 1.1575% | 1,981 |
| Net loans and leases to total assets | 63.1946% | 3,474 |
| Net loans and leases to deposits | 77.1671% | 3,244 |
| Net loans and leases to core deposits | 78.6245% | 3,590 |
| Total domestic deposits to total assets | 81.8932% | 4,026 |
| Equity capital to assets | 14.0130% | 1,022 |
| Core capital (leverage) ratio | 13.1962% | 1,090 |
| Tier 1 risk-based capital ratio | 19.5760% | 1,546 |
| Total risk-based capital ratio | 20.8459% | 1,503 |
| Memoranda: | ||
| Average total assets | $55,150,000 | 5,347 |
| Average earning assets | $48,605,670 | 5,389 |
| Average equity | $7,435,330 | 5,114 |
| Average total loans | $36,184,330 | 5,099 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 519 |
| Cost of funding earning assets | 0.2872% | 4,307 |
| Net interest margin | 4.7764% | 375 |
| Noninterest income to average assets | 0.7732% | 1,718 |
| Noninterest expense to average assets | 3.6276% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3513% | 1,132 |
| Return on assets (ROA) | 1.3513% | 1,201 |
| Pretax return on assets | 1.3513% | 2,086 |
| Return on Equity (ROE) | 10.2221% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.2221% | 801 |
| Net charge-offs to loans | 0.0110% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 321 |
| Efficiency ratio | 72.8592% | 2,667 |
| Assets per employee ($millions) | 3.4405% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0523% | 213 |
| Loan loss allowance to noncurrent loans | 236.2256% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 2,590 |
| Noncurrent loans to loans | 1.2921% | 1,867 |
| Net loans and leases to total assets | 62.8343% | 3,410 |
| Net loans and leases to deposits | 76.0766% | 3,215 |
| Net loans and leases to core deposits | 77.0614% | 3,584 |
| Total domestic deposits to total assets | 82.5934% | 4,039 |
| Equity capital to assets | 13.4937% | 1,182 |
| Core capital (leverage) ratio | 12.8856% | 1,204 |
| Tier 1 risk-based capital ratio | 19.2722% | 1,667 |
| Total risk-based capital ratio | 20.5422% | 1,624 |
| Memoranda: | ||
| Average total assets | $55,354,000 | 5,394 |
| Average earning assets | $48,739,500 | 5,431 |
| Average equity | $7,317,500 | 5,172 |
| Average total loans | $36,437,000 | 5,131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 369 |
| Cost of funding earning assets | 0.3253% | 3,963 |
| Net interest margin | 4.9710% | 268 |
| Noninterest income to average assets | 1.7253% | 445 |
| Noninterest expense to average assets | 3.6618% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4126% | 169 |
| Return on assets (ROA) | 2.4072% | 174 |
| Pretax return on assets | 2.4072% | 240 |
| Return on Equity (ROE) | 13.6609% | 918 |
| Retained earnings to average equity (ytd only) | -43.2173% | 6,165 |
| Net charge-offs to loans | 0.0027% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,348.0000% | 35 |
| Efficiency ratio | 60.2829% | 4,875 |
| Assets per employee ($millions) | 3.4788% | 4,862 |
| Cash dividends to net income (ytd only)* | 416.3569% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9304% | 242 |
| Loan loss allowance to noncurrent loans | 233.4047% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8390% | 2,571 |
| Noncurrent loans to loans | 1.2555% | 1,875 |
| Net loans and leases to total assets | 64.8688% | 3,142 |
| Net loans and leases to deposits | 78.1651% | 3,036 |
| Net loans and leases to core deposits | 79.1607% | 3,427 |
| Total domestic deposits to total assets | 82.9896% | 3,835 |
| Equity capital to assets | 12.9483% | 1,379 |
| Core capital (leverage) ratio | 12.4624% | 1,364 |
| Tier 1 risk-based capital ratio | 18.2165% | 1,903 |
| Total risk-based capital ratio | 19.4863% | 1,865 |
| Memoranda: | ||
| Average total assets | $55,874,200 | 5,409 |
| Average earning assets | $48,883,800 | 5,463 |
| Average equity | $9,845,600 | 4,679 |
| Average total loans | $37,251,800 | 5,108 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2929% | 378 |
| Cost of funding earning assets | 0.3325% | 3,949 |
| Net interest margin | 4.9604% | 275 |
| Noninterest income to average assets | 2.0335% | 354 |
| Noninterest expense to average assets | 3.7500% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.6224% | 141 |
| Return on assets (ROA) | 2.6224% | 145 |
| Pretax return on assets | 2.6224% | 201 |
| Return on Equity (ROE) | 13.9609% | 918 |
| Retained earnings to average equity (ytd only) | -57.1129% | 6,255 |
| Net charge-offs to loans | 0.0036% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,102.7293% | 65 |
| Efficiency ratio | 58.8477% | 5,024 |
| Assets per employee ($millions) | 3.1346% | 5,386 |
| Cash dividends to net income (ytd only)* | 509.0909% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8905% | 277 |
| Loan loss allowance to noncurrent loans | 239.5604% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 2,749 |
| Noncurrent loans to loans | 1.2066% | 2,118 |
| Net loans and leases to total assets | 68.7196% | 2,581 |
| Net loans and leases to deposits | 83.0197% | 2,527 |
| Net loans and leases to core deposits | 84.1278% | 3,026 |
| Total domestic deposits to total assets | 82.7751% | 3,889 |
| Equity capital to assets | 13.0909% | 1,402 |
| Core capital (leverage) ratio | 11.9005% | 1,741 |
| Tier 1 risk-based capital ratio | 17.6745% | 2,126 |
| Total risk-based capital ratio | 18.9438% | 2,083 |
| Memoranda: | ||
| Average total assets | $55,927,750 | 5,477 |
| Average earning assets | $48,919,250 | 5,531 |
| Average equity | $10,505,250 | 4,619 |
| Average total loans | $37,265,750 | 5,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 611 |
| Cost of funding earning assets | 0.3388% | 3,940 |
| Net interest margin | 4.6427% | 484 |
| Noninterest income to average assets | 2.5842% | 261 |
| Noninterest expense to average assets | 3.7073% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.9292% | 94 |
| Return on assets (ROA) | 2.9292% | 96 |
| Pretax return on assets | 2.9292% | 140 |
| Return on Equity (ROE) | 14.2445% | 855 |
| Retained earnings to average equity (ytd only) | 7.3962% | 1,523 |
| Net charge-offs to loans | 0.0108% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 158 |
| Efficiency ratio | 55.8621% | 5,441 |
| Assets per employee ($millions) | 3.5531% | 4,710 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9229% | 292 |
| Loan loss allowance to noncurrent loans | 145.7831% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 1,824 |
| Noncurrent loans to loans | 2.0050% | 1,215 |
| Net loans and leases to total assets | 63.6201% | 3,321 |
| Net loans and leases to deposits | 84.3372% | 2,271 |
| Net loans and leases to core deposits | 85.4934% | 2,823 |
| Total domestic deposits to total assets | 75.4354% | 5,658 |
| Equity capital to assets | 20.8813% | 186 |
| Core capital (leverage) ratio | 19.9866% | 206 |
| Tier 1 risk-based capital ratio | 31.5873% | 471 |
| Total risk-based capital ratio | 32.8560% | 466 |
| Memoranda: | ||
| Average total assets | $56,807,330 | 5,522 |
| Average earning assets | $49,583,000 | 5,574 |
| Average equity | $11,681,670 | 4,442 |
| Average total loans | $37,117,670 | 5,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 530 |
| Cost of funding earning assets | 0.3617% | 3,732 |
| Net interest margin | 4.6853% | 419 |
| Noninterest income to average assets | 0.8171% | 1,648 |
| Noninterest expense to average assets | 3.8883% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9439% | 2,539 |
| Return on assets (ROA) | 0.9509% | 2,636 |
| Pretax return on assets | 0.9509% | 3,689 |
| Return on Equity (ROE) | 4.6604% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.6604% | 3,229 |
| Net charge-offs to loans | 0.0648% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,354 |
| Efficiency ratio | 80.4665% | 1,837 |
| Assets per employee ($millions) | 3.6033% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9581% | 311 |
| Loan loss allowance to noncurrent loans | 165.6489% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 2.3641% | 930 |
| Noncurrent loans to loans | 1.7858% | 1,521 |
| Net loans and leases to total assets | 61.7383% | 3,412 |
| Net loans and leases to deposits | 80.9359% | 2,456 |
| Net loans and leases to core deposits | 82.0176% | 2,964 |
| Total domestic deposits to total assets | 76.2805% | 5,705 |
| Equity capital to assets | 20.2331% | 215 |
| Core capital (leverage) ratio | 19.8295% | 214 |
| Tier 1 risk-based capital ratio | 29.7469% | 550 |
| Total risk-based capital ratio | 31.0152% | 544 |
| Memoranda: | ||
| Average total assets | $56,786,000 | 5,577 |
| Average earning assets | $48,662,500 | 5,646 |
| Average equity | $11,587,000 | 4,491 |
| Average total loans | $37,048,000 | 5,245 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2143% | 511 |
| Cost of funding earning assets | 0.4082% | 3,603 |
| Net interest margin | 4.8061% | 430 |
| Noninterest income to average assets | 0.8003% | 1,876 |
| Noninterest expense to average assets | 3.4540% | 1,589 |
| Loan and lease loss provision to assets | 0.2546% | 884 |
| Net operating income to assets | 1.2589% | 1,406 |
| Return on assets (ROA) | 1.2554% | 1,480 |
| Pretax return on assets | 1.2554% | 2,416 |
| Return on Equity (ROE) | 6.3423% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.6997% | 3,576 |
| Net charge-offs to loans | 0.0052% | 4,839 |
| Credit loss provision to net charge-offs | 7,300.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 122 |
| Efficiency ratio | 69.5332% | 3,623 |
| Assets per employee ($millions) | 3.4949% | 4,913 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9158% | 330 |
| Loan loss allowance to noncurrent loans | 162.1100% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 2.4696% | 939 |
| Noncurrent loans to loans | 1.7986% | 1,597 |
| Net loans and leases to total assets | 64.9618% | 3,054 |
| Net loans and leases to deposits | 85.8203% | 2,010 |
| Net loans and leases to core deposits | 86.3301% | 2,657 |
| Total domestic deposits to total assets | 75.6952% | 5,787 |
| Equity capital to assets | 20.5816% | 201 |
| Core capital (leverage) ratio | 19.6344% | 222 |
| Tier 1 risk-based capital ratio | 30.2546% | 499 |
| Total risk-based capital ratio | 31.5249% | 493 |
| Memoranda: | ||
| Average total assets | $57,353,200 | 5,619 |
| Average earning assets | $49,728,400 | 5,683 |
| Average equity | $11,352,400 | 4,485 |
| Average total loans | $38,563,200 | 5,231 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 597 |
| Cost of funding earning assets | 0.4173% | 3,612 |
| Net interest margin | 4.7175% | 489 |
| Noninterest income to average assets | 0.8155% | 1,835 |
| Noninterest expense to average assets | 3.3568% | 1,776 |
| Loan and lease loss provision to assets | 0.2518% | 854 |
| Net operating income to assets | 1.3076% | 1,349 |
| Return on assets (ROA) | 1.3076% | 1,407 |
| Pretax return on assets | 1.3076% | 2,347 |
| Return on Equity (ROE) | 6.6705% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.6705% | 1,997 |
| Net charge-offs to loans | 0.0172% | 4,189 |
| Credit loss provision to net charge-offs | 2,180.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 134.9295% | 447 |
| Efficiency ratio | 68.2801% | 3,810 |
| Assets per employee ($millions) | 3.6641% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7499% | 467 |
| Loan loss allowance to noncurrent loans | 139.7606% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 2.8874% | 837 |
| Noncurrent loans to loans | 1.9676% | 1,619 |
| Net loans and leases to total assets | 67.6249% | 2,595 |
| Net loans and leases to deposits | 90.1983% | 1,407 |
| Net loans and leases to core deposits | 91.3062% | 2,086 |
| Total domestic deposits to total assets | 74.9736% | 5,927 |
| Equity capital to assets | 21.2492% | 186 |
| Core capital (leverage) ratio | 20.0014% | 211 |
| Tier 1 risk-based capital ratio | 30.2996% | 507 |
| Total risk-based capital ratio | 31.5688% | 503 |
| Memoranda: | ||
| Average total assets | $57,711,750 | 5,671 |
| Average earning assets | $50,166,500 | 5,734 |
| Average equity | $11,313,250 | 4,526 |
| Average total loans | $38,849,750 | 5,276 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 662 |
| Cost of funding earning assets | 0.4195% | 3,665 |
| Net interest margin | 4.6453% | 533 |
| Noninterest income to average assets | 0.7948% | 1,855 |
| Noninterest expense to average assets | 3.2203% | 2,127 |
| Loan and lease loss provision to assets | 0.2456% | 902 |
| Net operating income to assets | 1.3714% | 1,130 |
| Return on assets (ROA) | 1.3714% | 1,169 |
| Pretax return on assets | 1.3714% | 1,998 |
| Return on Equity (ROE) | 7.1841% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.1841% | 1,675 |
| Net charge-offs to loans | 0.0102% | 4,053 |
| Credit loss provision to net charge-offs | 3,600.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 288 |
| Efficiency ratio | 66.5726% | 4,271 |
| Assets per employee ($millions) | 3.3874% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6702% | 554 |
| Loan loss allowance to noncurrent loans | 126.9663% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 2.9434% | 873 |
| Noncurrent loans to loans | 2.1031% | 1,585 |
| Net loans and leases to total assets | 64.3733% | 3,017 |
| Net loans and leases to deposits | 84.0628% | 2,033 |
| Net loans and leases to core deposits | 85.0268% | 2,610 |
| Total domestic deposits to total assets | 76.5776% | 5,848 |
| Equity capital to assets | 19.9753% | 221 |
| Core capital (leverage) ratio | 19.2871% | 229 |
| Tier 1 risk-based capital ratio | 29.5034% | 543 |
| Total risk-based capital ratio | 30.7707% | 532 |
| Memoranda: | ||
| Average total assets | $58,628,330 | 5,698 |
| Average earning assets | $51,019,000 | 5,754 |
| Average equity | $11,191,330 | 4,559 |
| Average total loans | $39,060,000 | 5,314 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 809 |
| Cost of funding earning assets | 0.4174% | 3,792 |
| Net interest margin | 4.5215% | 625 |
| Noninterest income to average assets | 0.7777% | 1,848 |
| Noninterest expense to average assets | 3.1919% | 2,263 |
| Loan and lease loss provision to assets | 0.2435% | 895 |
| Net operating income to assets | 1.2984% | 1,220 |
| Return on assets (ROA) | 1.2984% | 1,265 |
| Pretax return on assets | 1.2984% | 2,101 |
| Return on Equity (ROE) | 6.9594% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.9594% | 2,068 |
| Net charge-offs to loans | -0.0101% | 5,050 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4286% | 4,287 |
| Assets per employee ($millions) | 3.4777% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4741% | 835 |
| Loan loss allowance to noncurrent loans | 59.3486% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 3.2679% | 820 |
| Noncurrent loans to loans | 4.1688% | 625 |
| Net loans and leases to total assets | 65.6078% | 2,623 |
| Net loans and leases to deposits | 84.3511% | 1,787 |
| Net loans and leases to core deposits | 85.2783% | 2,394 |
| Total domestic deposits to total assets | 77.7795% | 5,859 |
| Equity capital to assets | 18.9188% | 264 |
| Core capital (leverage) ratio | 18.4844% | 281 |
| Tier 1 risk-based capital ratio | 27.6690% | 663 |
| Total risk-based capital ratio | 28.9334% | 650 |
| Memoranda: | ||
| Average total assets | $59,149,500 | 5,732 |
| Average earning assets | $51,753,000 | 5,793 |
| Average equity | $11,035,500 | 4,605 |
| Average total loans | $39,546,500 | 5,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 765 |
| Cost of funding earning assets | 0.5330% | 3,265 |
| Net interest margin | 4.5631% | 650 |
| Noninterest income to average assets | 0.7053% | 2,513 |
| Noninterest expense to average assets | 3.3570% | 1,981 |
| Loan and lease loss provision to assets | 0.2356% | 1,533 |
| Net operating income to assets | 1.0507% | 2,117 |
| Return on assets (ROA) | 0.4600% | 5,038 |
| Pretax return on assets | 0.4600% | 5,323 |
| Return on Equity (ROE) | 2.5244% | 5,666 |
| Retained earnings to average equity (ytd only) | -8.3794% | 6,504 |
| Net charge-offs to loans | 0.1377% | 3,427 |
| Credit loss provision to net charge-offs | 270.3704% | 835 |
| Earnings coverage of net charge-offs (x) | 14.7593% | 1,921 |
| Efficiency ratio | 72.2975% | 3,419 |
| Assets per employee ($millions) | 3.4811% | 4,937 |
| Cash dividends to net income (ytd only)* | 431.9298% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4084% | 919 |
| Loan loss allowance to noncurrent loans | 54.5193% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 3.4117% | 873 |
| Noncurrent loans to loans | 4.4175% | 611 |
| Net loans and leases to total assets | 64.8450% | 2,898 |
| Net loans and leases to deposits | 82.9547% | 2,067 |
| Net loans and leases to core deposits | 83.8611% | 2,689 |
| Total domestic deposits to total assets | 78.1693% | 5,804 |
| Equity capital to assets | 18.3953% | 294 |
| Core capital (leverage) ratio | 17.9572% | 300 |
| Tier 1 risk-based capital ratio | 28.0829% | 605 |
| Total risk-based capital ratio | 29.3474% | 590 |
| Memoranda: | ||
| Average total assets | $61,960,000 | 5,706 |
| Average earning assets | $53,472,400 | 5,788 |
| Average equity | $11,289,600 | 4,580 |
| Average total loans | $39,222,400 | 5,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1589% | 700 |
| Cost of funding earning assets | 0.5545% | 3,219 |
| Net interest margin | 4.6044% | 614 |
| Noninterest income to average assets | 0.7278% | 2,474 |
| Noninterest expense to average assets | 3.3260% | 2,014 |
| Loan and lease loss provision to assets | 0.2320% | 1,560 |
| Net operating income to assets | 1.1278% | 1,893 |
| Return on assets (ROA) | 0.5171% | 4,882 |
| Pretax return on assets | 0.5171% | 5,302 |
| Return on Equity (ROE) | 2.8444% | 5,661 |
| Retained earnings to average equity (ytd only) | -11.5649% | 6,666 |
| Net charge-offs to loans | 0.1156% | 3,388 |
| Credit loss provision to net charge-offs | 320.5882% | 803 |
| Earnings coverage of net charge-offs (x) | 18.7951% | 1,659 |
| Efficiency ratio | 70.9809% | 3,607 |
| Assets per employee ($millions) | 3.7587% | 4,325 |
| Cash dividends to net income (ytd only)* | 506.5866% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3877% | 1,058 |
| Loan loss allowance to noncurrent loans | 46.1081% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.5218% | 963 |
| Noncurrent loans to loans | 5.1786% | 558 |
| Net loans and leases to total assets | 63.2185% | 3,126 |
| Net loans and leases to deposits | 80.1108% | 2,395 |
| Net loans and leases to core deposits | 81.3972% | 2,948 |
| Total domestic deposits to total assets | 78.9138% | 5,757 |
| Equity capital to assets | 17.9135% | 328 |
| Core capital (leverage) ratio | 17.7110% | 325 |
| Tier 1 risk-based capital ratio | 28.0163% | 632 |
| Total risk-based capital ratio | 29.2802% | 619 |
| Memoranda: | ||
| Average total assets | $62,655,500 | 5,748 |
| Average earning assets | $53,860,250 | 5,830 |
| Average equity | $11,390,500 | 4,612 |
| Average total loans | $39,197,750 | 5,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 449 |
| Cost of funding earning assets | 0.5758% | 3,160 |
| Net interest margin | 4.8245% | 420 |
| Noninterest income to average assets | 0.7182% | 2,558 |
| Noninterest expense to average assets | 3.3798% | 1,869 |
| Loan and lease loss provision to assets | 0.2299% | 1,628 |
| Net operating income to assets | 1.2253% | 1,529 |
| Return on assets (ROA) | 0.3213% | 5,669 |
| Pretax return on assets | 0.3213% | 5,814 |
| Return on Equity (ROE) | 1.7592% | 6,030 |
| Retained earnings to average equity (ytd only) | -0.8623% | 6,024 |
| Net charge-offs to loans | 0.1731% | 2,736 |
| Credit loss provision to net charge-offs | 214.7059% | 1,127 |
| Earnings coverage of net charge-offs (x) | 13.5882% | 1,892 |
| Efficiency ratio | 69.9023% | 3,849 |
| Assets per employee ($millions) | 3.6118% | 4,592 |
| Cash dividends to net income (ytd only)* | 149.0196% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2867% | 1,280 |
| Loan loss allowance to noncurrent loans | 46.3212% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.3517% | 1,169 |
| Noncurrent loans to loans | 4.9367% | 665 |
| Net loans and leases to total assets | 62.2156% | 3,250 |
| Net loans and leases to deposits | 79.6967% | 2,366 |
| Net loans and leases to core deposits | 80.9635% | 2,915 |
| Total domestic deposits to total assets | 78.0655% | 5,965 |
| Equity capital to assets | 18.9443% | 258 |
| Core capital (leverage) ratio | 18.4129% | 258 |
| Tier 1 risk-based capital ratio | 30.5822% | 494 |
| Total risk-based capital ratio | 31.8453% | 494 |
| Memoranda: | ||
| Average total assets | $63,494,330 | 5,760 |
| Average earning assets | $54,182,000 | 5,857 |
| Average equity | $11,596,330 | 4,612 |
| Average total loans | $39,280,670 | 5,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0003% | 166 |
| Cost of funding earning assets | 0.5912% | 3,187 |
| Net interest margin | 5.4092% | 145 |
| Noninterest income to average assets | 0.6755% | 2,717 |
| Noninterest expense to average assets | 3.4707% | 1,681 |
| Loan and lease loss provision to assets | 0.2231% | 1,651 |
| Net operating income to assets | 1.5184% | 827 |
| Return on assets (ROA) | -0.2603% | 6,589 |
| Pretax return on assets | -0.2603% | 6,580 |
| Return on Equity (ROE) | -1.4510% | 6,531 |
| Retained earnings to average equity (ytd only) | -6.7021% | 6,455 |
| Net charge-offs to loans | 0.3048% | 1,744 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | 9.3667% | 1,843 |
| Efficiency ratio | 66.5874% | 4,559 |
| Assets per employee ($millions) | 3.7909% | 4,372 |
| Cash dividends to net income (ytd only)* | -361.9048% | 6,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 1,531 |
| Loan loss allowance to noncurrent loans | 47.3597% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 2.9653% | 1,516 |
| Noncurrent loans to loans | 4.7041% | 850 |
| Net loans and leases to total assets | 58.6329% | 3,673 |
| Net loans and leases to deposits | 74.0278% | 2,918 |
| Net loans and leases to core deposits | 75.5086% | 3,385 |
| Total domestic deposits to total assets | 79.2040% | 5,923 |
| Equity capital to assets | 18.0386% | 334 |
| Core capital (leverage) ratio | 17.6601% | 308 |
| Tier 1 risk-based capital ratio | 25.9774% | 782 |
| Total risk-based capital ratio | 27.2331% | 773 |
| Memoranda: | ||
| Average total assets | $64,541,000 | 5,790 |
| Average earning assets | $54,130,500 | 5,900 |
| Average equity | $11,578,500 | 4,655 |
| Average total loans | $39,373,500 | 5,493 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9197% | 301 |
| Cost of funding earning assets | 0.7469% | 3,108 |
| Net interest margin | 5.1727% | 283 |
| Noninterest income to average assets | 0.7028% | 2,704 |
| Noninterest expense to average assets | 3.2718% | 2,420 |
| Loan and lease loss provision to assets | 0.2212% | 2,920 |
| Net operating income to assets | 2.3718% | 187 |
| Return on assets (ROA) | 1.5125% | 988 |
| Pretax return on assets | 0.9466% | 3,759 |
| Return on Equity (ROE) | 10.5101% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.5715% | 1,298 |
| Net charge-offs to loans | 0.2601% | 3,381 |
| Credit loss provision to net charge-offs | 141.3462% | 1,940 |
| Earnings coverage of net charge-offs (x) | 12.9519% | 1,881 |
| Efficiency ratio | 61.7438% | 5,274 |
| Assets per employee ($millions) | 3.5909% | 4,801 |
| Cash dividends to net income (ytd only)* | 27.9602% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 1,683 |
| Loan loss allowance to noncurrent loans | 51.5993% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 16.5138% | 61 |
| Noncurrent loans to loans | 4.1322% | 1,112 |
| Net loans and leases to total assets | 60.7160% | 3,472 |
| Net loans and leases to deposits | 76.4876% | 2,721 |
| Net loans and leases to core deposits | 78.0095% | 3,258 |
| Total domestic deposits to total assets | 79.3802% | 5,808 |
| Equity capital to assets | 17.8412% | 337 |
| Core capital (leverage) ratio | 17.9008% | 287 |
| Tier 1 risk-based capital ratio | 23.6737% | 1,009 |
| Total risk-based capital ratio | 24.9287% | 988 |
| Memoranda: | ||
| Average total assets | $66,447,000 | 5,727 |
| Average earning assets | $59,040,600 | 5,776 |
| Average equity | $9,562,200 | 5,088 |
| Average total loans | $39,979,400 | 5,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 334 |
| Cost of funding earning assets | 0.7867% | 3,057 |
| Net interest margin | 5.1115% | 333 |
| Noninterest income to average assets | 0.6995% | 2,714 |
| Noninterest expense to average assets | 3.1968% | 2,581 |
| Loan and lease loss provision to assets | 0.2192% | 2,862 |
| Net operating income to assets | 1.8415% | 525 |
| Return on assets (ROA) | 0.8430% | 3,492 |
| Pretax return on assets | 0.8430% | 4,328 |
| Return on Equity (ROE) | 6.2184% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.9401% | 4,796 |
| Net charge-offs to loans | 0.2570% | 3,187 |
| Credit loss provision to net charge-offs | 142.8571% | 2,010 |
| Earnings coverage of net charge-offs (x) | 13.4291% | 1,912 |
| Efficiency ratio | 60.8036% | 5,353 |
| Assets per employee ($millions) | 3.5799% | 4,791 |
| Cash dividends to net income (ytd only)* | 52.7190% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1443% | 1,821 |
| Loan loss allowance to noncurrent loans | 68.3657% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 18.2237% | 55 |
| Noncurrent loans to loans | 3.1365% | 1,771 |
| Net loans and leases to total assets | 59.8436% | 3,812 |
| Net loans and leases to deposits | 74.3407% | 3,232 |
| Net loans and leases to core deposits | 75.8035% | 3,752 |
| Total domestic deposits to total assets | 80.4991% | 5,514 |
| Equity capital to assets | 16.2342% | 566 |
| Core capital (leverage) ratio | 17.6459% | 321 |
| Tier 1 risk-based capital ratio | 22.2923% | 1,277 |
| Total risk-based capital ratio | 23.5474% | 1,261 |
| Memoranda: | ||
| Average total assets | $66,899,500 | 5,780 |
| Average earning assets | $59,654,750 | 5,821 |
| Average equity | $9,069,750 | 5,250 |
| Average total loans | $39,949,250 | 5,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8758% | 360 |
| Cost of funding earning assets | 0.8559% | 2,747 |
| Net interest margin | 5.0199% | 391 |
| Noninterest income to average assets | 0.6970% | 2,691 |
| Noninterest expense to average assets | 3.1512% | 2,744 |
| Loan and lease loss provision to assets | 0.2156% | 2,918 |
| Net operating income to assets | 1.8163% | 544 |
| Return on assets (ROA) | 0.5523% | 4,854 |
| Pretax return on assets | 0.5523% | 5,303 |
| Return on Equity (ROE) | 4.3458% | 5,114 |
| Retained earnings to average equity (ytd only) | -0.1627% | 6,070 |
| Net charge-offs to loans | 0.1545% | 3,681 |
| Credit loss provision to net charge-offs | 235.4839% | 1,211 |
| Earnings coverage of net charge-offs (x) | 22.1935% | 1,311 |
| Efficiency ratio | 60.7977% | 5,454 |
| Assets per employee ($millions) | 3.3193% | 5,401 |
| Cash dividends to net income (ytd only)* | 103.7433% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 1,875 |
| Loan loss allowance to noncurrent loans | 60.2682% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 17.7449% | 61 |
| Noncurrent loans to loans | 3.5733% | 1,605 |
| Net loans and leases to total assets | 61.5244% | 3,530 |
| Net loans and leases to deposits | 74.7913% | 3,159 |
| Net loans and leases to core deposits | 76.2628% | 3,741 |
| Total domestic deposits to total assets | 82.2614% | 5,032 |
| Equity capital to assets | 14.5514% | 905 |
| Core capital (leverage) ratio | 16.5116% | 411 |
| Tier 1 risk-based capital ratio | 21.7331% | 1,341 |
| Total risk-based capital ratio | 22.9877% | 1,319 |
| Memoranda: | ||
| Average total assets | $67,720,000 | 5,788 |
| Average earning assets | $60,519,330 | 5,817 |
| Average equity | $8,606,000 | 5,381 |
| Average total loans | $40,130,000 | 5,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8558% | 387 |
| Cost of funding earning assets | 0.9249% | 2,477 |
| Net interest margin | 4.9309% | 449 |
| Noninterest income to average assets | 0.6738% | 2,790 |
| Noninterest expense to average assets | 3.0322% | 3,146 |
| Loan and lease loss provision to assets | 0.2113% | 2,837 |
| Net operating income to assets | 1.8445% | 547 |
| Return on assets (ROA) | -0.5996% | 6,897 |
| Pretax return on assets | -0.5996% | 6,861 |
| Return on Equity (ROE) | -5.0478% | 6,852 |
| Retained earnings to average equity (ytd only) | -11.3455% | 6,880 |
| Net charge-offs to loans | 0.2477% | 2,689 |
| Credit loss provision to net charge-offs | 148.0000% | 1,691 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 1,471 |
| Efficiency ratio | 59.5960% | 5,682 |
| Assets per employee ($millions) | 3.8534% | 4,307 |
| Cash dividends to net income (ytd only)* | -124.7619% | 7,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 2,202 |
| Loan loss allowance to noncurrent loans | 65.3968% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 19.1044% | 56 |
| Noncurrent loans to loans | 3.1432% | 2,040 |
| Net loans and leases to total assets | 56.6053% | 4,270 |
| Net loans and leases to deposits | 67.1145% | 4,213 |
| Net loans and leases to core deposits | 72.2445% | 4,115 |
| Total domestic deposits to total assets | 84.3413% | 4,350 |
| Equity capital to assets | 12.8300% | 1,526 |
| Core capital (leverage) ratio | 15.3927% | 546 |
| Tier 1 risk-based capital ratio | 19.9550% | 1,722 |
| Total risk-based capital ratio | 21.2079% | 1,694 |
| Memoranda: | ||
| Average total assets | $70,047,000 | 5,778 |
| Average earning assets | $62,707,000 | 5,787 |
| Average equity | $8,320,500 | 5,492 |
| Average total loans | $40,367,500 | 5,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3249% | 245 |
| Cost of funding earning assets | 1.3471% | 1,255 |
| Net interest margin | 4.9778% | 426 |
| Noninterest income to average assets | 0.5546% | 3,473 |
| Noninterest expense to average assets | 3.2028% | 2,852 |
| Loan and lease loss provision to assets | 0.2050% | 4,134 |
| Net operating income to assets | 1.6245% | 636 |
| Return on assets (ROA) | 1.4238% | 1,056 |
| Pretax return on assets | 1.4238% | 1,700 |
| Return on Equity (ROE) | 12.2948% | 1,334 |
| Retained earnings to average equity (ytd only) | 7.7479% | 1,172 |
| Net charge-offs to loans | 0.1791% | 4,717 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 17.8493% | 1,247 |
| Efficiency ratio | 63.6440% | 5,187 |
| Assets per employee ($millions) | 3.9296% | 4,009 |
| Cash dividends to net income (ytd only)* | 36.9822% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 2,288 |
| Loan loss allowance to noncurrent loans | 55.3134% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 20.1377% | 52 |
| Noncurrent loans to loans | 3.6114% | 1,765 |
| Net loans and leases to total assets | 56.3202% | 4,645 |
| Net loans and leases to deposits | 67.6534% | 4,492 |
| Net loans and leases to core deposits | 73.1357% | 4,362 |
| Total domestic deposits to total assets | 83.2483% | 4,648 |
| Equity capital to assets | 10.9454% | 3,034 |
| Core capital (leverage) ratio | 15.3706% | 544 |
| Tier 1 risk-based capital ratio | 19.8136% | 1,679 |
| Total risk-based capital ratio | 21.0651% | 1,651 |
| Memoranda: | ||
| Average total assets | $71,219,800 | 5,713 |
| Average earning assets | $64,064,600 | 5,731 |
| Average equity | $8,247,400 | 5,499 |
| Average total loans | $40,748,400 | 5,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5517% | 184 |
| Cost of funding earning assets | 1.4191% | 1,156 |
| Net interest margin | 5.1326% | 318 |
| Noninterest income to average assets | 0.5382% | 3,593 |
| Noninterest expense to average assets | 2.8688% | 4,064 |
| Loan and lease loss provision to assets | 0.2037% | 3,982 |
| Net operating income to assets | 2.0894% | 297 |
| Return on assets (ROA) | 1.9698% | 394 |
| Pretax return on assets | 1.9698% | 665 |
| Return on Equity (ROE) | 16.7822% | 594 |
| Retained earnings to average equity (ytd only) | 11.1298% | 609 |
| Net charge-offs to loans | 0.0360% | 5,644 |
| Credit loss provision to net charge-offs | 990.9091% | 265 |
| Earnings coverage of net charge-offs (x) | 111.5174% | 320 |
| Efficiency ratio | 55.5757% | 6,333 |
| Assets per employee ($millions) | 3.8473% | 4,200 |
| Cash dividends to net income (ytd only)* | 33.6811% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 2,279 |
| Loan loss allowance to noncurrent loans | 52.5094% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 21.1954% | 43 |
| Noncurrent loans to loans | 3.8467% | 1,742 |
| Net loans and leases to total assets | 58.6288% | 4,389 |
| Net loans and leases to deposits | 71.0690% | 4,132 |
| Net loans and leases to core deposits | 83.0830% | 3,178 |
| Total domestic deposits to total assets | 82.4956% | 4,883 |
| Equity capital to assets | 11.8496% | 2,375 |
| Core capital (leverage) ratio | 15.7106% | 548 |
| Tier 1 risk-based capital ratio | 20.3269% | 1,610 |
| Total risk-based capital ratio | 21.5798% | 1,577 |
| Memoranda: | ||
| Average total assets | $71,341,500 | 5,750 |
| Average earning assets | $64,266,750 | 5,763 |
| Average equity | $8,373,750 | 5,479 |
| Average total loans | $40,773,250 | 5,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6127% | 175 |
| Cost of funding earning assets | 1.4993% | 1,011 |
| Net interest margin | 5.1135% | 325 |
| Noninterest income to average assets | 0.4664% | 4,142 |
| Noninterest expense to average assets | 2.8846% | 4,086 |
| Loan and lease loss provision to assets | 0.1999% | 3,927 |
| Net operating income to assets | 1.9934% | 347 |
| Return on assets (ROA) | 1.8157% | 515 |
| Pretax return on assets | 1.8157% | 848 |
| Return on Equity (ROE) | 15.5166% | 717 |
| Retained earnings to average equity (ytd only) | 7.0940% | 1,836 |
| Net charge-offs to loans | 0.0197% | 5,566 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 197.5000% | 188 |
| Efficiency ratio | 56.8070% | 6,319 |
| Assets per employee ($millions) | 3.8914% | 4,007 |
| Cash dividends to net income (ytd only)* | 54.2813% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,394 |
| Loan loss allowance to noncurrent loans | 83.0247% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 20.6093% | 58 |
| Noncurrent loans to loans | 2.4000% | 2,992 |
| Net loans and leases to total assets | 56.6670% | 4,874 |
| Net loans and leases to deposits | 69.5198% | 4,498 |
| Net loans and leases to core deposits | 84.1774% | 3,185 |
| Total domestic deposits to total assets | 81.5121% | 5,346 |
| Equity capital to assets | 11.6109% | 2,402 |
| Core capital (leverage) ratio | 14.3876% | 787 |
| Tier 1 risk-based capital ratio | 19.7163% | 1,666 |
| Total risk-based capital ratio | 20.9699% | 1,641 |
| Memoranda: | ||
| Average total assets | $72,038,330 | 5,780 |
| Average earning assets | $64,965,670 | 5,788 |
| Average equity | $8,429,670 | 5,482 |
| Average total loans | $40,551,670 | 5,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6422% | 172 |
| Cost of funding earning assets | 1.5771% | 886 |
| Net interest margin | 5.0650% | 329 |
| Noninterest income to average assets | 0.6901% | 2,628 |
| Noninterest expense to average assets | 2.8808% | 4,147 |
| Loan and lease loss provision to assets | 0.1972% | 3,655 |
| Net operating income to assets | 2.1853% | 267 |
| Return on assets (ROA) | 2.1688% | 283 |
| Pretax return on assets | 2.1688% | 418 |
| Return on Equity (ROE) | 18.4658% | 441 |
| Retained earnings to average equity (ytd only) | 11.2847% | 846 |
| Net charge-offs to loans | -0.0493% | 6,878 |
| Credit loss provision to net charge-offs | -720.0000% | 6,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7347% | 6,625 |
| Assets per employee ($millions) | 3.8526% | 4,177 |
| Cash dividends to net income (ytd only)* | 38.8889% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 2,575 |
| Loan loss allowance to noncurrent loans | 37.1960% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 21.9265% | 46 |
| Noncurrent loans to loans | 5.2050% | 1,281 |
| Net loans and leases to total assets | 53.9734% | 5,306 |
| Net loans and leases to deposits | 66.3509% | 4,920 |
| Net loans and leases to core deposits | 82.4113% | 3,396 |
| Total domestic deposits to total assets | 81.3454% | 5,553 |
| Equity capital to assets | 12.2065% | 1,791 |
| Core capital (leverage) ratio | 14.2290% | 799 |
| Tier 1 risk-based capital ratio | 18.8442% | 1,852 |
| Total risk-based capital ratio | 19.8635% | 1,874 |
| Memoranda: | ||
| Average total assets | $73,034,500 | 5,783 |
| Average earning assets | $65,942,500 | 5,799 |
| Average equity | $8,578,000 | 5,440 |
| Average total loans | $40,577,500 | 5,822 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7702% | 210 |
| Cost of funding earning assets | 2.3720% | 166 |
| Net interest margin | 4.3983% | 1,479 |
| Noninterest income to average assets | 0.7363% | 2,618 |
| Noninterest expense to average assets | 2.8042% | 4,596 |
| Loan and lease loss provision to assets | 0.1873% | 5,358 |
| Net operating income to assets | 1.7433% | 470 |
| Return on assets (ROA) | 0.1078% | 5,712 |
| Pretax return on assets | 0.1078% | 5,688 |
| Return on Equity (ROE) | 1.2084% | 5,645 |
| Retained earnings to average equity (ytd only) | -8.7750% | 6,578 |
| Net charge-offs to loans | 0.2551% | 4,757 |
| Credit loss provision to net charge-offs | 139.0476% | 2,736 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,350 |
| Efficiency ratio | 59.2251% | 6,158 |
| Assets per employee ($millions) | 3.8353% | 4,159 |
| Cash dividends to net income (ytd only)* | 826.1905% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 2,835 |
| Loan loss allowance to noncurrent loans | 80.9419% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 21.0100% | 58 |
| Noncurrent loans to loans | 2.2341% | 3,290 |
| Net loans and leases to total assets | 55.0679% | 5,478 |
| Net loans and leases to deposits | 71.5971% | 4,586 |
| Net loans and leases to core deposits | 89.2844% | 2,859 |
| Total domestic deposits to total assets | 76.9137% | 6,491 |
| Equity capital to assets | 11.2817% | 2,427 |
| Core capital (leverage) ratio | 13.8970% | 864 |
| Tier 1 risk-based capital ratio | 18.4110% | 1,874 |
| Total risk-based capital ratio | 19.6618% | 1,834 |
| Memoranda: | ||
| Average total assets | $77,954,400 | 5,646 |
| Average earning assets | $70,869,000 | 5,639 |
| Average equity | $6,951,600 | 6,046 |
| Average total loans | $41,161,600 | 5,876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6125% | 281 |
| Cost of funding earning assets | 2.5086% | 135 |
| Net interest margin | 4.1039% | 2,605 |
| Noninterest income to average assets | 0.7455% | 2,544 |
| Noninterest expense to average assets | 2.7768% | 4,578 |
| Loan and lease loss provision to assets | 0.1834% | 5,210 |
| Net operating income to assets | 1.5214% | 880 |
| Return on assets (ROA) | -0.2810% | 6,463 |
| Pretax return on assets | -0.2810% | 6,396 |
| Return on Equity (ROE) | -3.3562% | 6,521 |
| Retained earnings to average equity (ytd only) | -17.3037% | 7,145 |
| Net charge-offs to loans | 0.3039% | 4,154 |
| Credit loss provision to net charge-offs | 115.9574% | 3,596 |
| Earnings coverage of net charge-offs (x) | 10.7766% | 1,855 |
| Efficiency ratio | 61.9602% | 5,626 |
| Assets per employee ($millions) | 3.8424% | 4,161 |
| Cash dividends to net income (ytd only)* | -415.5708% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 3,013 |
| Loan loss allowance to noncurrent loans | 57.7796% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 22.3081% | 36 |
| Noncurrent loans to loans | 3.0193% | 2,642 |
| Net loans and leases to total assets | 55.0072% | 5,701 |
| Net loans and leases to deposits | 70.9367% | 5,008 |
| Net loans and leases to core deposits | 96.7569% | 2,174 |
| Total domestic deposits to total assets | 77.5440% | 6,358 |
| Equity capital to assets | 9.1775% | 5,342 |
| Core capital (leverage) ratio | 12.6279% | 1,360 |
| Tier 1 risk-based capital ratio | 17.7217% | 2,101 |
| Total risk-based capital ratio | 18.9716% | 2,071 |
| Memoranda: | ||
| Average total assets | $79,225,500 | 5,684 |
| Average earning assets | $72,124,000 | 5,666 |
| Average equity | $6,634,250 | 6,225 |
| Average total loans | $41,235,250 | 5,956 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5793% | 298 |
| Cost of funding earning assets | 2.5036% | 173 |
| Net interest margin | 4.0757% | 2,678 |
| Noninterest income to average assets | 0.7233% | 2,559 |
| Noninterest expense to average assets | 2.6913% | 4,942 |
| Loan and lease loss provision to assets | 0.1771% | 5,099 |
| Net operating income to assets | 1.5794% | 763 |
| Return on assets (ROA) | -0.3715% | 6,579 |
| Pretax return on assets | -0.3715% | 6,492 |
| Return on Equity (ROE) | -4.5672% | 6,659 |
| Retained earnings to average equity (ytd only) | -20.9003% | 7,274 |
| Net charge-offs to loans | 0.0048% | 6,309 |
| Credit loss provision to net charge-offs | 7,200.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 714.0000% | 41 |
| Efficiency ratio | 60.5088% | 5,957 |
| Assets per employee ($millions) | 4.1692% | 3,453 |
| Cash dividends to net income (ytd only)* | -357.6159% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,474 |
| Loan loss allowance to noncurrent loans | 134.2059% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 20.6113% | 51 |
| Noncurrent loans to loans | 1.4002% | 4,602 |
| Net loans and leases to total assets | 50.6918% | 6,354 |
| Net loans and leases to deposits | 69.7887% | 5,314 |
| Net loans and leases to core deposits | 101.8310% | 1,843 |
| Total domestic deposits to total assets | 72.6362% | 7,128 |
| Equity capital to assets | 8.6071% | 5,999 |
| Core capital (leverage) ratio | 12.5035% | 1,410 |
| Tier 1 risk-based capital ratio | 17.4562% | 2,113 |
| Total risk-based capital ratio | 18.7059% | 2,078 |
| Memoranda: | ||
| Average total assets | $81,299,000 | 5,661 |
| Average earning assets | $74,293,330 | 5,629 |
| Average equity | $6,612,330 | 6,264 |
| Average total loans | $41,356,670 | 5,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5539% | 329 |
| Cost of funding earning assets | 2.5673% | 182 |
| Net interest margin | 3.9866% | 2,934 |
| Noninterest income to average assets | 0.6801% | 2,737 |
| Noninterest expense to average assets | 2.6232% | 5,254 |
| Loan and lease loss provision to assets | 0.1749% | 4,770 |
| Net operating income to assets | 1.5254% | 856 |
| Return on assets (ROA) | -0.1797% | 6,592 |
| Pretax return on assets | -0.1797% | 6,538 |
| Return on Equity (ROE) | -2.2736% | 6,666 |
| Retained earnings to average equity (ytd only) | -14.8091% | 7,203 |
| Net charge-offs to loans | 0.0577% | 4,833 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 58.3333% | 512 |
| Efficiency ratio | 60.6742% | 6,061 |
| Assets per employee ($millions) | 4.2431% | 3,388 |
| Cash dividends to net income (ytd only)* | -551.3514% | 7,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,835 |
| Loan loss allowance to noncurrent loans | 138.6667% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 5,838 |
| Noncurrent loans to loans | 1.2745% | 4,850 |
| Net loans and leases to total assets | 50.1929% | 6,445 |
| Net loans and leases to deposits | 68.6674% | 5,510 |
| Net loans and leases to core deposits | 113.2997% | 1,074 |
| Total domestic deposits to total assets | 73.0957% | 7,150 |
| Equity capital to assets | 8.5203% | 5,978 |
| Core capital (leverage) ratio | 13.0335% | 1,205 |
| Tier 1 risk-based capital ratio | 17.9087% | 1,964 |
| Total risk-based capital ratio | 19.1271% | 1,947 |
| Memoranda: | ||
| Average total assets | $82,341,500 | 5,691 |
| Average earning assets | $75,253,000 | 5,661 |
| Average equity | $6,509,500 | 6,343 |
| Average total loans | $41,573,000 | 6,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2413% | 193 |
| Cost of funding earning assets | 2.7206% | 556 |
| Net interest margin | 4.5208% | 1,137 |
| Noninterest income to average assets | 0.8046% | 2,383 |
| Noninterest expense to average assets | 2.5289% | 6,030 |
| Loan and lease loss provision to assets | 0.1748% | 5,949 |
| Net operating income to assets | 2.2415% | 134 |
| Return on assets (ROA) | 1.3399% | 1,004 |
| Pretax return on assets | 1.3399% | 1,584 |
| Return on Equity (ROE) | 22.4275% | 148 |
| Retained earnings to average equity (ytd only) | 2.8260% | 3,188 |
| Net charge-offs to loans | 0.4738% | 3,883 |
| Credit loss provision to net charge-offs | 70.8738% | 6,475 |
| Earnings coverage of net charge-offs (x) | 9.7961% | 1,755 |
| Efficiency ratio | 51.1380% | 7,458 |
| Assets per employee ($millions) | 4.4244% | 3,060 |
| Cash dividends to net income (ytd only)* | 87.3995% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 3,030 |
| Loan loss allowance to noncurrent loans | 131.2030% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 5,836 |
| Noncurrent loans to loans | 1.2681% | 4,811 |
| Net loans and leases to total assets | 49.0757% | 6,722 |
| Net loans and leases to deposits | 71.9380% | 5,337 |
| Net loans and leases to core deposits | 77.8044% | 6,272 |
| Total domestic deposits to total assets | 68.2195% | 7,530 |
| Equity capital to assets | 7.3159% | 7,188 |
| Core capital (leverage) ratio | 12.8019% | 1,307 |
| Tier 1 risk-based capital ratio | 17.4180% | 2,048 |
| Total risk-based capital ratio | 18.5291% | 2,044 |
| Memoranda: | ||
| Average total assets | $83,515,200 | 5,611 |
| Average earning assets | $76,491,600 | 5,581 |
| Average equity | $4,989,400 | 6,942 |
| Average total loans | $43,481,000 | 5,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3534% | 175 |
| Cost of funding earning assets | 2.7503% | 686 |
| Net interest margin | 4.6031% | 986 |
| Noninterest income to average assets | 0.8203% | 2,333 |
| Noninterest expense to average assets | 2.3907% | 6,443 |
| Loan and lease loss provision to assets | 0.1743% | 5,619 |
| Net operating income to assets | 2.4706% | 106 |
| Return on assets (ROA) | 1.5895% | 730 |
| Pretax return on assets | 1.5895% | 1,195 |
| Return on Equity (ROE) | 28.2024% | 74 |
| Retained earnings to average equity (ytd only) | 0.4539% | 5,015 |
| Net charge-offs to loans | 0.4164% | 3,601 |
| Credit loss provision to net charge-offs | 79.5620% | 5,775 |
| Earnings coverage of net charge-offs (x) | 12.0731% | 1,800 |
| Efficiency ratio | 47.4754% | 7,689 |
| Assets per employee ($millions) | 4.4159% | 3,003 |
| Cash dividends to net income (ytd only)* | 98.3906% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 2,749 |
| Loan loss allowance to noncurrent loans | 869.0476% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 7,296 |
| Noncurrent loans to loans | 0.1915% | 7,021 |
| Net loans and leases to total assets | 51.4094% | 6,666 |
| Net loans and leases to deposits | 74.8763% | 5,235 |
| Net loans and leases to core deposits | 82.6797% | 6,140 |
| Total domestic deposits to total assets | 68.6590% | 7,518 |
| Equity capital to assets | 6.6934% | 7,715 |
| Core capital (leverage) ratio | 12.8144% | 1,442 |
| Tier 1 risk-based capital ratio | 16.6685% | 2,368 |
| Total risk-based capital ratio | 17.7934% | 2,364 |
| Memoranda: | ||
| Average total assets | $83,378,000 | 5,639 |
| Average earning assets | $76,352,500 | 5,619 |
| Average equity | $4,699,250 | 7,111 |
| Average total loans | $43,863,000 | 5,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3931% | 179 |
| Cost of funding earning assets | 2.7017% | 1,023 |
| Net interest margin | 4.6914% | 810 |
| Noninterest income to average assets | 0.7764% | 2,541 |
| Noninterest expense to average assets | 2.3028% | 6,752 |
| Loan and lease loss provision to assets | 0.1731% | 5,330 |
| Net operating income to assets | 2.6081% | 93 |
| Return on assets (ROA) | 2.0047% | 320 |
| Pretax return on assets | 2.0047% | 560 |
| Return on Equity (ROE) | 37.9637% | 35 |
| Retained earnings to average equity (ytd only) | 1.9118% | 4,280 |
| Net charge-offs to loans | 0.3830% | 3,286 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 13.7738% | 1,708 |
| Efficiency ratio | 45.2955% | 7,876 |
| Assets per employee ($millions) | 4.5275% | 2,724 |
| Cash dividends to net income (ytd only)* | 94.9640% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 2,379 |
| Loan loss allowance to noncurrent loans | 71.0476% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 4,494 |
| Noncurrent loans to loans | 2.3815% | 3,032 |
| Net loans and leases to total assets | 50.3865% | 6,836 |
| Net loans and leases to deposits | 73.6204% | 5,521 |
| Net loans and leases to core deposits | 81.1260% | 6,312 |
| Total domestic deposits to total assets | 68.4410% | 7,593 |
| Equity capital to assets | 5.5241% | 8,001 |
| Core capital (leverage) ratio | 13.7177% | 1,206 |
| Tier 1 risk-based capital ratio | 16.2989% | 2,519 |
| Total risk-based capital ratio | 17.4203% | 2,508 |
| Memoranda: | ||
| Average total assets | $83,203,000 | 5,691 |
| Average earning assets | $76,395,330 | 5,662 |
| Average equity | $4,393,670 | 7,276 |
| Average total loans | $43,862,670 | 6,028 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6561% | 140 |
| Cost of funding earning assets | 2.8597% | 851 |
| Net interest margin | 4.7964% | 613 |
| Noninterest income to average assets | 0.7433% | 2,638 |
| Noninterest expense to average assets | 2.3376% | 6,410 |
| Loan and lease loss provision to assets | 0.1761% | 4,704 |
| Net operating income to assets | 2.6261% | 105 |
| Return on assets (ROA) | 1.6481% | 790 |
| Pretax return on assets | 1.6481% | 1,295 |
| Return on Equity (ROE) | 31.9848% | 80 |
| Retained earnings to average equity (ytd only) | 13.7620% | 533 |
| Net charge-offs to loans | 0.5760% | 2,024 |
| Credit loss provision to net charge-offs | 57.1429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 9.0952% | 2,108 |
| Efficiency ratio | 45.4805% | 7,870 |
| Assets per employee ($millions) | 4.1085% | 3,440 |
| Cash dividends to net income (ytd only)* | 56.9733% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 2,185 |
| Loan loss allowance to noncurrent loans | 344.8113% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 6,466 |
| Noncurrent loans to loans | 0.4890% | 6,209 |
| Net loans and leases to total assets | 54.5976% | 6,399 |
| Net loans and leases to deposits | 80.7625% | 4,495 |
| Net loans and leases to core deposits | 90.5749% | 5,502 |
| Total domestic deposits to total assets | 67.6027% | 7,620 |
| Equity capital to assets | 3.6356% | 8,180 |
| Core capital (leverage) ratio | 13.0317% | 1,475 |
| Tier 1 risk-based capital ratio | 16.5913% | 2,479 |
| Total risk-based capital ratio | 17.7043% | 2,468 |
| Memoranda: | ||
| Average total assets | $81,793,000 | 5,764 |
| Average earning assets | $74,973,000 | 5,731 |
| Average equity | $4,214,500 | 7,380 |
| Average total loans | $43,749,000 | 6,068 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8392% | 231 |
| Cost of funding earning assets | 2.5792% | 3,801 |
| Net interest margin | 5.2601% | 302 |
| Noninterest income to average assets | 0.8087% | 2,468 |
| Noninterest expense to average assets | 2.5158% | 5,943 |
| Loan and lease loss provision to assets | 0.1939% | 4,940 |
| Net operating income to assets | 2.8720% | 74 |
| Return on assets (ROA) | 2.8733% | 73 |
| Pretax return on assets | 2.8733% | 108 |
| Return on Equity (ROE) | 27.6151% | 87 |
| Retained earnings to average equity (ytd only) | 19.3990% | 38 |
| Net charge-offs to loans | 0.2435% | 3,828 |
| Credit loss provision to net charge-offs | 136.1111% | 3,918 |
| Earnings coverage of net charge-offs (x) | 21.5185% | 1,527 |
| Efficiency ratio | 45.0721% | 7,973 |
| Assets per employee ($millions) | 4.5013% | 2,616 |
| Cash dividends to net income (ytd only)* | 29.7521% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,858 |
| Loan loss allowance to noncurrent loans | 326.7241% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 6,489 |
| Noncurrent loans to loans | 0.5255% | 5,777 |
| Net loans and leases to total assets | 50.7331% | 6,965 |
| Net loans and leases to deposits | 75.6183% | 5,633 |
| Net loans and leases to core deposits | 83.7868% | 6,307 |
| Total domestic deposits to total assets | 67.0911% | 7,565 |
| Equity capital to assets | 6.5373% | 7,924 |
| Core capital (leverage) ratio | 13.8265% | 1,305 |
| Tier 1 risk-based capital ratio | 15.9814% | 2,671 |
| Total risk-based capital ratio | 17.1029% | 2,661 |
| Memoranda: | ||
| Average total assets | $75,801,400 | 5,845 |
| Average earning assets | $68,782,200 | 5,862 |
| Average equity | $7,887,000 | 6,129 |
| Average total loans | $44,345,600 | 5,957 |