Home > Peoples Bank & Trust Company > Performance and Condition Ratios
Peoples Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1530% | 990 |
| Cost of funding earning assets | 1.2408% | 3,692 |
| Net interest margin | 4.9123% | 348 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.6998% | 1,755 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.7021% | 746 |
| Return on assets (ROA) | 1.7021% | 745 |
| Pretax return on assets | 2.2987% | 430 |
| Return on Equity (ROE) | 13.4100% | 1,404 |
| Retained earnings to average equity (ytd only) | 13.4054% | 601 |
| Net charge-offs to loans | -0.0039% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 52.8200% | 3,695 |
| Assets per employee ($millions) | 6.0871% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,330 |
| Loan loss allowance to noncurrent loans | 602.0576% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,773 |
| Noncurrent loans to loans | 0.2309% | 2,669 |
| Net loans and leases to total assets | 63.1500% | 2,592 |
| Net loans and leases to deposits | 73.1139% | 2,638 |
| Net loans and leases to core deposits | 82.0733% | 2,567 |
| Total domestic deposits to total assets | 86.3700% | 2,167 |
| Equity capital to assets | 12.6041% | 1,029 |
| Core capital (leverage) ratio | 13.4970% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $159,568,000 | 3,298 |
| Average earning assets | $149,584,500 | 3,278 |
| Average equity | $20,260,500 | 2,990 |
| Average total loans | $103,147,500 | 3,189 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1126% | 1,145 |
| Cost of funding earning assets | 1.3076% | 3,659 |
| Net interest margin | 4.8049% | 437 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.7635% | 1,595 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.5330% | 858 |
| Return on assets (ROA) | 1.5325% | 854 |
| Pretax return on assets | 2.0874% | 511 |
| Return on Equity (ROE) | 12.2900% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.6365% | 342 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 55.6026% | 3,597 |
| Assets per employee ($millions) | 5.7328% | 3,088 |
| Cash dividends to net income (ytd only)* | 5.3265% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,295 |
| Loan loss allowance to noncurrent loans | 28,340.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,769 |
| Noncurrent loans to loans | 0.0049% | 3,737 |
| Net loans and leases to total assets | 64.3700% | 2,537 |
| Net loans and leases to deposits | 74.6290% | 2,590 |
| Net loans and leases to core deposits | 84.4450% | 2,478 |
| Total domestic deposits to total assets | 86.2500% | 2,138 |
| Equity capital to assets | 12.7958% | 945 |
| Core capital (leverage) ratio | 13.6736% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $151,909,200 | 3,348 |
| Average earning assets | $142,624,400 | 3,317 |
| Average equity | $18,940,400 | 3,045 |
| Average total loans | $98,047,000 | 3,223 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 1,200 |
| Cost of funding earning assets | 1.2953% | 3,675 |
| Net interest margin | 4.7466% | 462 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.7117% | 1,646 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 1.5649% | 858 |
| Return on assets (ROA) | 1.5636% | 853 |
| Pretax return on assets | 2.0971% | 555 |
| Return on Equity (ROE) | 12.6300% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.6252% | 425 |
| Net charge-offs to loans | -0.0055% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 55.0089% | 3,634 |
| Assets per employee ($millions) | 5.7581% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,301 |
| Loan loss allowance to noncurrent loans | 4,169.6970% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,618 |
| Noncurrent loans to loans | 0.0339% | 3,562 |
| Net loans and leases to total assets | 61.8000% | 2,762 |
| Net loans and leases to deposits | 71.8067% | 2,825 |
| Net loans and leases to core deposits | 82.1973% | 2,672 |
| Total domestic deposits to total assets | 86.0600% | 1,908 |
| Equity capital to assets | 12.8771% | 1,000 |
| Core capital (leverage) ratio | 13.5940% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $151,190,250 | 3,350 |
| Average earning assets | $142,048,750 | 3,326 |
| Average equity | $18,724,000 | 3,055 |
| Average total loans | $97,295,750 | 3,234 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9755% | 1,206 |
| Cost of funding earning assets | 1.2548% | 3,702 |
| Net interest margin | 4.7207% | 472 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 2.7443% | 1,581 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5245% | 883 |
| Return on assets (ROA) | 1.5224% | 885 |
| Pretax return on assets | 2.0405% | 603 |
| Return on Equity (ROE) | 12.4600% | 1,497 |
| Retained earnings to average equity (ytd only) | 12.4645% | 495 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 55.9184% | 3,580 |
| Assets per employee ($millions) | 5.8933% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,378 |
| Loan loss allowance to noncurrent loans | 8,293.7500% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,710 |
| Noncurrent loans to loans | 0.0169% | 3,663 |
| Net loans and leases to total assets | 60.9300% | 2,869 |
| Net loans and leases to deposits | 70.2843% | 2,966 |
| Net loans and leases to core deposits | 79.7737% | 2,823 |
| Total domestic deposits to total assets | 86.6900% | 1,761 |
| Equity capital to assets | 12.3491% | 1,053 |
| Core capital (leverage) ratio | 13.6232% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $149,763,667 | 3,373 |
| Average earning assets | $140,742,333 | 3,347 |
| Average equity | $18,292,000 | 3,060 |
| Average total loans | $97,244,667 | 3,239 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 1,147 |
| Cost of funding earning assets | 1.1741% | 3,769 |
| Net interest margin | 4.7626% | 425 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.7589% | 1,548 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.5445% | 833 |
| Return on assets (ROA) | 1.5402% | 851 |
| Pretax return on assets | 2.0644% | 588 |
| Return on Equity (ROE) | 12.6800% | 1,410 |
| Retained earnings to average equity (ytd only) | 12.6829% | 641 |
| Net charge-offs to loans | 0.0122% | 1,643 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 270.3333% | 336 |
| Efficiency ratio | 55.7314% | 3,620 |
| Assets per employee ($millions) | 6.0975% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,632 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 62.0400% | 2,666 |
| Net loans and leases to deposits | 71.3673% | 2,786 |
| Net loans and leases to core deposits | 80.7381% | 2,671 |
| Total domestic deposits to total assets | 86.9300% | 1,801 |
| Equity capital to assets | 11.9544% | 1,141 |
| Core capital (leverage) ratio | 13.3758% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $148,032,500 | 3,397 |
| Average earning assets | $138,999,000 | 3,372 |
| Average equity | $17,977,000 | 3,095 |
| Average total loans | $98,523,500 | 3,234 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 1,378 |
| Cost of funding earning assets | 0.5776% | 4,104 |
| Net interest margin | 4.7798% | 428 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.7121% | 1,703 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.6003% | 866 |
| Return on assets (ROA) | 1.5992% | 836 |
| Pretax return on assets | 2.1553% | 525 |
| Return on Equity (ROE) | 13.7700% | 1,538 |
| Retained earnings to average equity (ytd only) | 13.0070% | 505 |
| Net charge-offs to loans | -0.0075% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.4041% | 3,647 |
| Assets per employee ($millions) | 5.7451% | 3,027 |
| Cash dividends to net income (ytd only)* | 5.5531% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,157 |
| Loan loss allowance to noncurrent loans | 123,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,858 |
| Noncurrent loans to loans | 0.0010% | 3,798 |
| Net loans and leases to total assets | 69.6000% | 1,854 |
| Net loans and leases to deposits | 81.7962% | 1,965 |
| Net loans and leases to core deposits | 87.0753% | 2,240 |
| Total domestic deposits to total assets | 85.0800% | 2,285 |
| Equity capital to assets | 12.3451% | 1,023 |
| Core capital (leverage) ratio | 13.6437% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $141,883,800 | 3,445 |
| Average earning assets | $132,787,000 | 3,420 |
| Average equity | $16,475,800 | 3,140 |
| Average total loans | $93,500,400 | 3,247 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 1,452 |
| Cost of funding earning assets | 0.4781% | 4,167 |
| Net interest margin | 4.7213% | 449 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6902% | 1,692 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5973% | 942 |
| Return on assets (ROA) | 1.5958% | 940 |
| Pretax return on assets | 2.1341% | 612 |
| Return on Equity (ROE) | 13.9700% | 1,659 |
| Retained earnings to average equity (ytd only) | 13.9666% | 675 |
| Net charge-offs to loans | -0.0073% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.4656% | 3,552 |
| Assets per employee ($millions) | 5.8669% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,127 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.0200% | 2,162 |
| Net loans and leases to deposits | 77.1379% | 2,318 |
| Net loans and leases to core deposits | 80.5126% | 2,561 |
| Total domestic deposits to total assets | 86.8900% | 1,923 |
| Equity capital to assets | 11.9300% | 1,052 |
| Core capital (leverage) ratio | 13.6405% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $141,447,750 | 3,453 |
| Average earning assets | $132,474,000 | 3,429 |
| Average equity | $16,162,000 | 3,151 |
| Average total loans | $91,576,250 | 3,273 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 1,486 |
| Cost of funding earning assets | 0.4097% | 4,149 |
| Net interest margin | 4.6319% | 501 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.6881% | 1,670 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5595% | 1,005 |
| Return on assets (ROA) | 1.5572% | 1,006 |
| Pretax return on assets | 2.0796% | 647 |
| Return on Equity (ROE) | 13.8300% | 1,718 |
| Retained earnings to average equity (ytd only) | 13.8307% | 705 |
| Net charge-offs to loans | -0.0044% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.2846% | 3,500 |
| Assets per employee ($millions) | 5.4412% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.7000% | 2,086 |
| Net loans and leases to deposits | 76.7973% | 2,231 |
| Net loans and leases to core deposits | 79.7385% | 2,489 |
| Total domestic deposits to total assets | 86.8600% | 1,973 |
| Equity capital to assets | 12.1149% | 1,019 |
| Core capital (leverage) ratio | 13.1091% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $141,662,000 | 3,463 |
| Average earning assets | $132,775,667 | 3,440 |
| Average equity | $15,950,000 | 3,194 |
| Average total loans | $90,247,333 | 3,293 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 1,539 |
| Cost of funding earning assets | 0.3515% | 4,071 |
| Net interest margin | 4.4833% | 598 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.6662% | 1,758 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.4634% | 1,256 |
| Return on assets (ROA) | 1.4591% | 1,240 |
| Pretax return on assets | 1.9463% | 850 |
| Return on Equity (ROE) | 13.4400% | 1,895 |
| Retained earnings to average equity (ytd only) | 13.4396% | 1,020 |
| Net charge-offs to loans | -0.0045% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.7138% | 3,329 |
| Assets per employee ($millions) | 5.6946% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,300 |
| Loan loss allowance to noncurrent loans | 109,600.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,940 |
| Noncurrent loans to loans | 0.0011% | 3,869 |
| Net loans and leases to total assets | 60.8900% | 2,569 |
| Net loans and leases to deposits | 69.3895% | 2,664 |
| Net loans and leases to core deposits | 71.5855% | 2,846 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 11.2535% | 1,245 |
| Core capital (leverage) ratio | 12.3800% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $144,477,500 | 3,479 |
| Average earning assets | $135,434,500 | 3,455 |
| Average equity | $15,685,000 | 3,243 |
| Average total loans | $89,437,000 | 3,341 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 1,366 |
| Cost of funding earning assets | 0.1920% | 3,824 |
| Net interest margin | 3.9503% | 858 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4364% | 2,314 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1488% | 1,975 |
| Return on assets (ROA) | 1.1467% | 1,927 |
| Pretax return on assets | 1.5910% | 1,186 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.5851% | 986 |
| Net charge-offs to loans | 0.0085% | 2,073 |
| Credit loss provision to net charge-offs | 1,714.2857% | 287 |
| Earnings coverage of net charge-offs (x) | 359.4286% | 424 |
| Efficiency ratio | 59.2814% | 3,155 |
| Assets per employee ($millions) | 6.1080% | 2,671 |
| Cash dividends to net income (ytd only)* | 7.3666% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,831 |
| Loan loss allowance to noncurrent loans | 505.0633% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,404 |
| Noncurrent loans to loans | 0.2602% | 2,232 |
| Net loans and leases to total assets | 61.3300% | 2,515 |
| Net loans and leases to deposits | 69.1839% | 2,653 |
| Net loans and leases to core deposits | 71.1422% | 2,790 |
| Total domestic deposits to total assets | 88.6400% | 1,831 |
| Equity capital to assets | 10.4706% | 1,460 |
| Core capital (leverage) ratio | 11.2452% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $150,343,400 | 3,435 |
| Average earning assets | $137,483,400 | 3,446 |
| Average equity | $15,087,200 | 3,363 |
| Average total loans | $82,796,000 | 3,373 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 1,615 |
| Cost of funding earning assets | 0.1831% | 3,479 |
| Net interest margin | 3.6682% | 1,224 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.4369% | 2,201 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9901% | 2,504 |
| Return on assets (ROA) | 0.9880% | 2,492 |
| Pretax return on assets | 1.3141% | 1,996 |
| Return on Equity (ROE) | 9.9500% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.9498% | 1,350 |
| Net charge-offs to loans | 0.0132% | 1,628 |
| Credit loss provision to net charge-offs | 1,125.0000% | 379 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 625 |
| Efficiency ratio | 63.5778% | 2,614 |
| Assets per employee ($millions) | 6.1569% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 1,702 |
| Loan loss allowance to noncurrent loans | 309.2838% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 1,998 |
| Noncurrent loans to loans | 0.4439% | 1,697 |
| Net loans and leases to total assets | 54.4200% | 3,057 |
| Net loans and leases to deposits | 60.7885% | 3,127 |
| Net loans and leases to core deposits | 62.7996% | 3,200 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 9.6796% | 1,782 |
| Core capital (leverage) ratio | 10.7288% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $151,281,500 | 3,458 |
| Average earning assets | $137,610,000 | 3,467 |
| Average equity | $15,021,750 | 3,406 |
| Average total loans | $80,720,500 | 3,418 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6258% | 1,759 |
| Cost of funding earning assets | 0.1870% | 3,086 |
| Net interest margin | 3.4389% | 1,485 |
| Noninterest income to average assets | 0.4973% | 2,216 |
| Noninterest expense to average assets | 2.4441% | 2,101 |
| Loan and lease loss provision to assets | 0.0798% | 1,221 |
| Net operating income to assets | 0.8146% | 2,903 |
| Return on assets (ROA) | 0.8125% | 2,882 |
| Pretax return on assets | 1.0771% | 2,490 |
| Return on Equity (ROE) | 8.1128% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.1128% | 1,575 |
| Net charge-offs to loans | 0.0252% | 1,217 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 87.2000% | 885 |
| Efficiency ratio | 67.8229% | 2,268 |
| Assets per employee ($millions) | 6.0968% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 1,919 |
| Loan loss allowance to noncurrent loans | 298.4211% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 2,072 |
| Noncurrent loans to loans | 0.4561% | 1,748 |
| Net loans and leases to total assets | 53.9178% | 2,969 |
| Net loans and leases to deposits | 60.1829% | 3,036 |
| Net loans and leases to core deposits | 62.4993% | 3,073 |
| Total domestic deposits to total assets | 89.5899% | 1,900 |
| Equity capital to assets | 9.6353% | 1,915 |
| Core capital (leverage) ratio | 10.6196% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,401,333 | 3,495 |
| Average earning assets | $135,858,000 | 3,536 |
| Average equity | $15,062,667 | 3,482 |
| Average total loans | $79,315,667 | 3,460 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 1,898 |
| Cost of funding earning assets | 0.1947% | 2,870 |
| Net interest margin | 3.2749% | 1,630 |
| Noninterest income to average assets | 0.4820% | 2,225 |
| Noninterest expense to average assets | 2.4017% | 2,152 |
| Loan and lease loss provision to assets | 0.0803% | 1,019 |
| Net operating income to assets | 0.7342% | 2,909 |
| Return on assets (ROA) | 0.7363% | 2,895 |
| Pretax return on assets | 0.9746% | 2,521 |
| Return on Equity (ROE) | 7.2126% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.2126% | 1,825 |
| Net charge-offs to loans | 0.0362% | 936 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 56.1429% | 880 |
| Efficiency ratio | 69.5349% | 2,295 |
| Assets per employee ($millions) | 5.8230% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,014 |
| Loan loss allowance to noncurrent loans | 289.7906% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 2,136 |
| Noncurrent loans to loans | 0.4739% | 1,838 |
| Net loans and leases to total assets | 52.5056% | 2,941 |
| Net loans and leases to deposits | 58.8227% | 3,001 |
| Net loans and leases to core deposits | 62.1330% | 2,962 |
| Total domestic deposits to total assets | 89.2608% | 1,947 |
| Equity capital to assets | 9.9670% | 1,915 |
| Core capital (leverage) ratio | 10.5649% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,392,500 | 3,522 |
| Average earning assets | $135,577,500 | 3,555 |
| Average equity | $15,251,000 | 3,540 |
| Average total loans | $77,316,000 | 3,502 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 426 |
| Cost of funding earning assets | 0.2441% | 3,005 |
| Net interest margin | 4.4504% | 301 |
| Noninterest income to average assets | 0.6009% | 2,154 |
| Noninterest expense to average assets | 2.6928% | 1,653 |
| Loan and lease loss provision to assets | 0.0878% | 1,407 |
| Net operating income to assets | 1.3336% | 1,501 |
| Return on assets (ROA) | 1.3336% | 1,538 |
| Pretax return on assets | 1.7830% | 948 |
| Return on Equity (ROE) | 12.2737% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.4181% | 630 |
| Net charge-offs to loans | 0.1975% | 490 |
| Credit loss provision to net charge-offs | 78.9474% | 1,959 |
| Earnings coverage of net charge-offs (x) | 16.8158% | 1,963 |
| Efficiency ratio | 59.0056% | 3,299 |
| Assets per employee ($millions) | 5.6687% | 3,103 |
| Cash dividends to net income (ytd only)* | 6.9704% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,679 |
| Loan loss allowance to noncurrent loans | 276.5306% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,218 |
| Noncurrent loans to loans | 0.5295% | 1,807 |
| Net loans and leases to total assets | 49.4945% | 3,350 |
| Net loans and leases to deposits | 55.7549% | 3,441 |
| Net loans and leases to core deposits | 59.3271% | 3,370 |
| Total domestic deposits to total assets | 88.7717% | 1,627 |
| Equity capital to assets | 10.4569% | 2,212 |
| Core capital (leverage) ratio | 10.6830% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,625,800 | 3,612 |
| Average earning assets | $121,652,200 | 3,668 |
| Average equity | $14,844,800 | 3,653 |
| Average total loans | $76,943,800 | 3,524 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 242 |
| Cost of funding earning assets | 0.2572% | 3,043 |
| Net interest margin | 4.8730% | 179 |
| Noninterest income to average assets | 0.6212% | 2,128 |
| Noninterest expense to average assets | 2.6958% | 1,599 |
| Loan and lease loss provision to assets | 0.0896% | 1,335 |
| Net operating income to assets | 1.6177% | 994 |
| Return on assets (ROA) | 1.6177% | 1,036 |
| Pretax return on assets | 2.1542% | 602 |
| Return on Equity (ROE) | 14.7359% | 1,191 |
| Retained earnings to average equity (ytd only) | 14.7359% | 432 |
| Net charge-offs to loans | 0.0103% | 1,936 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 375.6667% | 375 |
| Efficiency ratio | 54.5748% | 3,720 |
| Assets per employee ($millions) | 5.4088% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,467 |
| Loan loss allowance to noncurrent loans | 206.1856% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 1,807 |
| Noncurrent loans to loans | 0.7513% | 1,494 |
| Net loans and leases to total assets | 54.2302% | 2,943 |
| Net loans and leases to deposits | 61.5683% | 3,088 |
| Net loans and leases to core deposits | 65.6091% | 2,990 |
| Total domestic deposits to total assets | 88.0815% | 1,793 |
| Equity capital to assets | 11.0026% | 2,015 |
| Core capital (leverage) ratio | 10.8322% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,935,750 | 3,679 |
| Average earning assets | $118,692,750 | 3,739 |
| Average equity | $14,703,000 | 3,714 |
| Average total loans | $77,671,750 | 3,568 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 109 |
| Cost of funding earning assets | 0.2698% | 3,092 |
| Net interest margin | 5.5980% | 85 |
| Noninterest income to average assets | 0.6348% | 2,070 |
| Noninterest expense to average assets | 2.7471% | 1,470 |
| Loan and lease loss provision to assets | 0.0911% | 1,375 |
| Net operating income to assets | 2.0440% | 455 |
| Return on assets (ROA) | 2.0440% | 478 |
| Pretax return on assets | 2.7440% | 248 |
| Return on Equity (ROE) | 18.6345% | 583 |
| Retained earnings to average equity (ytd only) | 18.6345% | 199 |
| Net charge-offs to loans | 0.0154% | 1,639 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 311.1667% | 362 |
| Efficiency ratio | 49.2111% | 4,301 |
| Assets per employee ($millions) | 5.4423% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,818 |
| Loan loss allowance to noncurrent loans | 232.1429% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 2,173 |
| Noncurrent loans to loans | 0.6195% | 1,860 |
| Net loans and leases to total assets | 56.6717% | 2,820 |
| Net loans and leases to deposits | 64.1759% | 2,983 |
| Net loans and leases to core deposits | 68.8193% | 2,879 |
| Total domestic deposits to total assets | 88.3068% | 1,664 |
| Equity capital to assets | 10.7314% | 2,202 |
| Core capital (leverage) ratio | 10.8622% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,704,333 | 3,709 |
| Average earning assets | $116,398,667 | 3,783 |
| Average equity | $14,446,333 | 3,745 |
| Average total loans | $77,741,000 | 3,589 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 337 |
| Cost of funding earning assets | 0.2904% | 3,096 |
| Net interest margin | 4.7425% | 257 |
| Noninterest income to average assets | 0.6719% | 1,954 |
| Noninterest expense to average assets | 2.7980% | 1,374 |
| Loan and lease loss provision to assets | 0.0946% | 1,414 |
| Net operating income to assets | 1.4605% | 1,420 |
| Return on assets (ROA) | 1.4605% | 1,481 |
| Pretax return on assets | 1.9526% | 1,027 |
| Return on Equity (ROE) | 13.1562% | 1,627 |
| Retained earnings to average equity (ytd only) | 13.1562% | 884 |
| Net charge-offs to loans | -0.0053% | 3,414 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7474% | 3,339 |
| Assets per employee ($millions) | 5.2710% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,660 |
| Loan loss allowance to noncurrent loans | 248.8069% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 2,402 |
| Noncurrent loans to loans | 0.5969% | 2,076 |
| Net loans and leases to total assets | 57.7401% | 2,826 |
| Net loans and leases to deposits | 65.4805% | 2,977 |
| Net loans and leases to core deposits | 69.3055% | 2,929 |
| Total domestic deposits to total assets | 88.1791% | 1,748 |
| Equity capital to assets | 10.8397% | 1,979 |
| Core capital (leverage) ratio | 11.3636% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,806,000 | 3,768 |
| Average earning assets | $111,587,500 | 3,852 |
| Average equity | $14,077,000 | 3,787 |
| Average total loans | $75,931,000 | 3,632 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,162 |
| Cost of funding earning assets | 0.4422% | 3,333 |
| Net interest margin | 4.1256% | 747 |
| Noninterest income to average assets | 0.6839% | 1,916 |
| Noninterest expense to average assets | 3.1459% | 1,153 |
| Loan and lease loss provision to assets | 0.0945% | 3,165 |
| Net operating income to assets | 0.8781% | 2,793 |
| Return on assets (ROA) | 0.8810% | 2,917 |
| Pretax return on assets | 1.1491% | 2,519 |
| Return on Equity (ROE) | 7.3207% | 3,067 |
| Retained earnings to average equity (ytd only) | 6.8496% | 1,447 |
| Net charge-offs to loans | -0.0312% | 4,548 |
| Credit loss provision to net charge-offs | -456.5217% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7275% | 1,713 |
| Assets per employee ($millions) | 4.5125% | 3,903 |
| Cash dividends to net income (ytd only)* | 6.4351% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,598 |
| Loan loss allowance to noncurrent loans | 263.2075% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 2,596 |
| Noncurrent loans to loans | 0.5682% | 2,279 |
| Net loans and leases to total assets | 60.3364% | 2,816 |
| Net loans and leases to deposits | 68.8508% | 2,996 |
| Net loans and leases to core deposits | 72.6956% | 3,020 |
| Total domestic deposits to total assets | 87.6335% | 1,640 |
| Equity capital to assets | 11.3841% | 1,968 |
| Core capital (leverage) ratio | 11.4116% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,129,600 | 3,867 |
| Average earning assets | $99,718,200 | 3,900 |
| Average equity | $13,373,000 | 3,828 |
| Average total loans | $73,818,000 | 3,662 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 1,048 |
| Cost of funding earning assets | 0.4694% | 3,424 |
| Net interest margin | 4.2393% | 674 |
| Noninterest income to average assets | 0.6921% | 1,822 |
| Noninterest expense to average assets | 3.2148% | 1,052 |
| Loan and lease loss provision to assets | 0.0922% | 3,161 |
| Net operating income to assets | 0.9182% | 2,631 |
| Return on assets (ROA) | 0.9220% | 2,752 |
| Pretax return on assets | 1.2208% | 2,324 |
| Return on Equity (ROE) | 7.5477% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.5477% | 1,479 |
| Net charge-offs to loans | 0.0199% | 2,461 |
| Credit loss provision to net charge-offs | 681.8182% | 1,087 |
| Earnings coverage of net charge-offs (x) | 96.7273% | 811 |
| Efficiency ratio | 71.0791% | 1,741 |
| Assets per employee ($millions) | 4.4984% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,544 |
| Loan loss allowance to noncurrent loans | 254.1063% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,729 |
| Noncurrent loans to loans | 0.5696% | 2,372 |
| Net loans and leases to total assets | 61.2445% | 3,088 |
| Net loans and leases to deposits | 70.2726% | 3,292 |
| Net loans and leases to core deposits | 74.6265% | 3,273 |
| Total domestic deposits to total assets | 87.1528% | 1,604 |
| Equity capital to assets | 11.7451% | 1,847 |
| Core capital (leverage) ratio | 11.6574% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,452,750 | 3,894 |
| Average earning assets | $98,001,000 | 3,915 |
| Average equity | $13,248,750 | 3,842 |
| Average total loans | $73,615,500 | 3,678 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 873 |
| Cost of funding earning assets | 0.4904% | 3,593 |
| Net interest margin | 4.4821% | 523 |
| Noninterest income to average assets | 0.6722% | 1,842 |
| Noninterest expense to average assets | 3.2703% | 1,041 |
| Loan and lease loss provision to assets | 0.0852% | 3,216 |
| Net operating income to assets | 1.0692% | 2,075 |
| Return on assets (ROA) | 1.0737% | 2,189 |
| Pretax return on assets | 1.4240% | 1,667 |
| Return on Equity (ROE) | 8.6657% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.6657% | 1,117 |
| Net charge-offs to loans | 0.0027% | 2,902 |
| Credit loss provision to net charge-offs | 4,500.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 794.0000% | 118 |
| Efficiency ratio | 68.5046% | 2,169 |
| Assets per employee ($millions) | 4.4977% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,647 |
| Loan loss allowance to noncurrent loans | 251.0949% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 2,835 |
| Noncurrent loans to loans | 0.5505% | 2,518 |
| Net loans and leases to total assets | 65.4830% | 2,699 |
| Net loans and leases to deposits | 75.5136% | 2,921 |
| Net loans and leases to core deposits | 81.4097% | 2,826 |
| Total domestic deposits to total assets | 86.7168% | 1,728 |
| Equity capital to assets | 12.0603% | 1,627 |
| Core capital (leverage) ratio | 12.0455% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,617,333 | 3,915 |
| Average earning assets | $96,650,667 | 3,931 |
| Average equity | $13,086,000 | 3,861 |
| Average total loans | $73,926,333 | 3,683 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 991 |
| Cost of funding earning assets | 0.5072% | 3,910 |
| Net interest margin | 4.4830% | 524 |
| Noninterest income to average assets | 0.7084% | 1,624 |
| Noninterest expense to average assets | 3.4089% | 1,054 |
| Loan and lease loss provision to assets | 0.0587% | 3,026 |
| Net operating income to assets | 1.0005% | 2,173 |
| Return on assets (ROA) | 1.0097% | 2,248 |
| Pretax return on assets | 1.3346% | 1,768 |
| Return on Equity (ROE) | 8.0321% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.0321% | 1,224 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1601% | 2,195 |
| Assets per employee ($millions) | 4.0045% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,799 |
| Loan loss allowance to noncurrent loans | 194.7573% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 2,512 |
| Noncurrent loans to loans | 0.7053% | 2,239 |
| Net loans and leases to total assets | 69.1652% | 2,372 |
| Net loans and leases to deposits | 80.0908% | 2,667 |
| Net loans and leases to core deposits | 86.1831% | 2,664 |
| Total domestic deposits to total assets | 86.3585% | 1,846 |
| Equity capital to assets | 12.3391% | 1,836 |
| Core capital (leverage) ratio | 12.7900% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,204,500 | 3,958 |
| Average earning assets | $93,062,000 | 3,987 |
| Average equity | $12,848,500 | 3,893 |
| Average total loans | $73,558,000 | 3,688 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 1,129 |
| Cost of funding earning assets | 0.4646% | 4,224 |
| Net interest margin | 4.6760% | 501 |
| Noninterest income to average assets | 0.9129% | 1,153 |
| Noninterest expense to average assets | 3.4397% | 1,048 |
| Loan and lease loss provision to assets | 0.0589% | 2,860 |
| Net operating income to assets | 1.3049% | 1,672 |
| Return on assets (ROA) | 1.3134% | 1,717 |
| Pretax return on assets | 1.7130% | 1,158 |
| Return on Equity (ROE) | 10.9979% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.9540% | 499 |
| Net charge-offs to loans | 0.0158% | 3,154 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 494 |
| Efficiency ratio | 66.1382% | 2,749 |
| Assets per employee ($millions) | 3.7146% | 4,258 |
| Cash dividends to net income (ytd only)* | 9.4918% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,781 |
| Loan loss allowance to noncurrent loans | 246.3840% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 2,798 |
| Noncurrent loans to loans | 0.5412% | 2,553 |
| Net loans and leases to total assets | 72.8994% | 1,933 |
| Net loans and leases to deposits | 84.9460% | 2,212 |
| Net loans and leases to core deposits | 90.9354% | 2,327 |
| Total domestic deposits to total assets | 85.8186% | 2,133 |
| Equity capital to assets | 12.8125% | 1,633 |
| Core capital (leverage) ratio | 12.6880% | 1,380 |
| Tier 1 risk-based capital ratio | 17.9691% | 1,771 |
| Total risk-based capital ratio | 19.2198% | 1,719 |
| Memoranda: | ||
| Average total assets | $101,870,200 | 3,970 |
| Average earning assets | $93,412,200 | 3,984 |
| Average equity | $12,166,000 | 3,979 |
| Average total loans | $75,975,000 | 3,666 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 1,198 |
| Cost of funding earning assets | 0.4554% | 4,312 |
| Net interest margin | 4.6775% | 517 |
| Noninterest income to average assets | 0.9570% | 1,030 |
| Noninterest expense to average assets | 3.4185% | 1,054 |
| Loan and lease loss provision to assets | 0.0587% | 2,728 |
| Net operating income to assets | 1.3841% | 1,516 |
| Return on assets (ROA) | 1.3872% | 1,575 |
| Pretax return on assets | 1.7823% | 1,134 |
| Return on Equity (ROE) | 11.8268% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.8268% | 406 |
| Net charge-offs to loans | 0.0297% | 2,488 |
| Credit loss provision to net charge-offs | 264.7059% | 1,043 |
| Earnings coverage of net charge-offs (x) | 82.8681% | 842 |
| Efficiency ratio | 65.0459% | 2,853 |
| Assets per employee ($millions) | 3.8683% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 1,992 |
| Loan loss allowance to noncurrent loans | 3,723.0769% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,609 |
| Noncurrent loans to loans | 0.0348% | 4,506 |
| Net loans and leases to total assets | 73.4109% | 1,930 |
| Net loans and leases to deposits | 85.3630% | 2,276 |
| Net loans and leases to core deposits | 91.0125% | 2,464 |
| Total domestic deposits to total assets | 85.9985% | 1,999 |
| Equity capital to assets | 12.6025% | 1,838 |
| Core capital (leverage) ratio | 12.4064% | 1,623 |
| Tier 1 risk-based capital ratio | 17.8326% | 1,868 |
| Total risk-based capital ratio | 19.0840% | 1,808 |
| Memoranda: | ||
| Average total assets | $102,264,500 | 4,004 |
| Average earning assets | $93,980,250 | 4,013 |
| Average equity | $11,995,000 | 4,038 |
| Average total loans | $76,443,500 | 3,700 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 918 |
| Cost of funding earning assets | 0.4336% | 4,380 |
| Net interest margin | 4.8009% | 403 |
| Noninterest income to average assets | 0.6068% | 2,114 |
| Noninterest expense to average assets | 3.4485% | 1,029 |
| Loan and lease loss provision to assets | 0.0584% | 2,660 |
| Net operating income to assets | 1.1378% | 2,380 |
| Return on assets (ROA) | 1.1378% | 2,453 |
| Pretax return on assets | 1.5152% | 1,812 |
| Return on Equity (ROE) | 9.9419% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.9419% | 774 |
| Net charge-offs to loans | 0.0182% | 2,508 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 115.5714% | 621 |
| Efficiency ratio | 68.6677% | 2,423 |
| Assets per employee ($millions) | 3.7010% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,200 |
| Loan loss allowance to noncurrent loans | 2,471.7949% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,576 |
| Noncurrent loans to loans | 0.0509% | 4,457 |
| Net loans and leases to total assets | 72.9622% | 2,068 |
| Net loans and leases to deposits | 86.4955% | 2,204 |
| Net loans and leases to core deposits | 91.0130% | 2,506 |
| Total domestic deposits to total assets | 84.3538% | 2,738 |
| Equity capital to assets | 11.7583% | 2,374 |
| Core capital (leverage) ratio | 11.6871% | 2,029 |
| Tier 1 risk-based capital ratio | 16.2121% | 2,322 |
| Total risk-based capital ratio | 17.4625% | 2,277 |
| Memoranda: | ||
| Average total assets | $102,827,670 | 4,020 |
| Average earning assets | $94,565,330 | 4,025 |
| Average equity | $11,768,330 | 4,080 |
| Average total loans | $76,991,000 | 3,718 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 1,085 |
| Cost of funding earning assets | 0.3848% | 4,553 |
| Net interest margin | 4.7239% | 468 |
| Noninterest income to average assets | 0.5858% | 2,116 |
| Noninterest expense to average assets | 3.3663% | 1,166 |
| Loan and lease loss provision to assets | 0.0586% | 2,477 |
| Net operating income to assets | 1.1442% | 2,294 |
| Return on assets (ROA) | 1.1442% | 2,340 |
| Pretax return on assets | 1.5230% | 1,694 |
| Return on Equity (ROE) | 10.1384% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.1384% | 1,003 |
| Net charge-offs to loans | 0.0363% | 1,750 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 57.8571% | 930 |
| Efficiency ratio | 68.0347% | 2,638 |
| Assets per employee ($millions) | 3.7103% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,518 |
| Loan loss allowance to noncurrent loans | 3,646.1538% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,725 |
| Noncurrent loans to loans | 0.0332% | 4,624 |
| Net loans and leases to total assets | 74.4388% | 1,721 |
| Net loans and leases to deposits | 87.7866% | 1,902 |
| Net loans and leases to core deposits | 91.7464% | 2,322 |
| Total domestic deposits to total assets | 84.7952% | 2,751 |
| Equity capital to assets | 11.3324% | 2,538 |
| Core capital (leverage) ratio | 11.5873% | 2,066 |
| Tier 1 risk-based capital ratio | 15.0992% | 2,838 |
| Total risk-based capital ratio | 16.3039% | 2,786 |
| Memoranda: | ||
| Average total assets | $102,427,000 | 4,066 |
| Average earning assets | $94,583,500 | 4,063 |
| Average equity | $11,560,000 | 4,122 |
| Average total loans | $77,199,500 | 3,748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8619% | 1,387 |
| Cost of funding earning assets | 0.3043% | 4,558 |
| Net interest margin | 4.5576% | 678 |
| Noninterest income to average assets | 0.5982% | 2,302 |
| Noninterest expense to average assets | 3.2068% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1300% | 2,474 |
| Return on assets (ROA) | 1.1308% | 2,469 |
| Pretax return on assets | 1.5020% | 1,780 |
| Return on Equity (ROE) | 10.2723% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.1086% | 823 |
| Net charge-offs to loans | -0.0994% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1166% | 2,522 |
| Assets per employee ($millions) | 3.7395% | 4,267 |
| Cash dividends to net income (ytd only)* | 11.3292% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,383 |
| Loan loss allowance to noncurrent loans | 2,848.4848% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,692 |
| Noncurrent loans to loans | 0.0434% | 4,560 |
| Net loans and leases to total assets | 74.4587% | 1,852 |
| Net loans and leases to deposits | 85.3219% | 2,371 |
| Net loans and leases to core deposits | 88.6428% | 2,687 |
| Total domestic deposits to total assets | 87.2680% | 1,657 |
| Equity capital to assets | 11.2384% | 2,476 |
| Core capital (leverage) ratio | 11.3578% | 2,219 |
| Tier 1 risk-based capital ratio | 14.9785% | 2,837 |
| Total risk-based capital ratio | 16.1934% | 2,781 |
| Memoranda: | ||
| Average total assets | $99,134,200 | 4,115 |
| Average earning assets | $89,388,600 | 4,154 |
| Average equity | $10,912,800 | 4,168 |
| Average total loans | $68,419,600 | 3,904 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 1,391 |
| Cost of funding earning assets | 0.2894% | 4,589 |
| Net interest margin | 4.5245% | 707 |
| Noninterest income to average assets | 0.5918% | 2,358 |
| Noninterest expense to average assets | 3.0861% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1728% | 2,350 |
| Return on assets (ROA) | 1.1728% | 2,356 |
| Pretax return on assets | 1.5620% | 1,698 |
| Return on Equity (ROE) | 10.7115% | 2,300 |
| Retained earnings to average equity (ytd only) | 10.7115% | 719 |
| Net charge-offs to loans | -0.1444% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3953% | 2,799 |
| Assets per employee ($millions) | 3.8567% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 1,970 |
| Loan loss allowance to noncurrent loans | 1,408.9552% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,646 |
| Noncurrent loans to loans | 0.0943% | 4,467 |
| Net loans and leases to total assets | 69.9154% | 2,663 |
| Net loans and leases to deposits | 80.0564% | 3,039 |
| Net loans and leases to core deposits | 83.1923% | 3,229 |
| Total domestic deposits to total assets | 87.3327% | 1,584 |
| Equity capital to assets | 11.1425% | 2,524 |
| Core capital (leverage) ratio | 11.4656% | 2,197 |
| Tier 1 risk-based capital ratio | 15.3357% | 2,723 |
| Total risk-based capital ratio | 16.5853% | 2,648 |
| Memoranda: | ||
| Average total assets | $98,676,250 | 4,163 |
| Average earning assets | $88,463,500 | 4,212 |
| Average equity | $10,804,250 | 4,229 |
| Average total loans | $66,495,000 | 3,985 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 1,378 |
| Cost of funding earning assets | 0.2670% | 4,656 |
| Net interest margin | 4.4846% | 720 |
| Noninterest income to average assets | 0.5869% | 2,396 |
| Noninterest expense to average assets | 3.0751% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1391% | 2,441 |
| Return on assets (ROA) | 1.1391% | 2,445 |
| Pretax return on assets | 1.5161% | 1,757 |
| Return on Equity (ROE) | 10.4669% | 2,350 |
| Retained earnings to average equity (ytd only) | 10.4669% | 800 |
| Net charge-offs to loans | -0.2339% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9774% | 2,827 |
| Assets per employee ($millions) | 3.8370% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,620 |
| Loan loss allowance to noncurrent loans | 3,646.1538% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,899 |
| Noncurrent loans to loans | 0.0393% | 4,736 |
| Net loans and leases to total assets | 65.2991% | 3,242 |
| Net loans and leases to deposits | 74.5522% | 3,482 |
| Net loans and leases to core deposits | 77.1425% | 3,653 |
| Total domestic deposits to total assets | 87.5883% | 1,599 |
| Equity capital to assets | 10.9281% | 2,703 |
| Core capital (leverage) ratio | 11.2881% | 2,267 |
| Tier 1 risk-based capital ratio | 15.6984% | 2,549 |
| Total risk-based capital ratio | 16.9482% | 2,493 |
| Memoranda: | ||
| Average total assets | $98,143,670 | 4,205 |
| Average earning assets | $87,632,670 | 4,263 |
| Average equity | $10,681,330 | 4,277 |
| Average total loans | $64,976,330 | 4,047 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,469 |
| Cost of funding earning assets | 0.2402% | 4,763 |
| Net interest margin | 4.3974% | 772 |
| Noninterest income to average assets | 0.5589% | 2,476 |
| Noninterest expense to average assets | 3.0616% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0603% | 2,606 |
| Return on assets (ROA) | 1.0603% | 2,616 |
| Pretax return on assets | 1.4096% | 1,977 |
| Return on Equity (ROE) | 9.7626% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.7626% | 1,235 |
| Net charge-offs to loans | 0.0248% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 672 |
| Efficiency ratio | 68.4743% | 2,754 |
| Assets per employee ($millions) | 3.8811% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,203 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,965 |
| Noncurrent loans to loans | 0.0422% | 4,784 |
| Net loans and leases to total assets | 67.4228% | 2,833 |
| Net loans and leases to deposits | 77.0025% | 3,111 |
| Net loans and leases to core deposits | 79.9998% | 3,324 |
| Total domestic deposits to total assets | 87.5593% | 1,870 |
| Equity capital to assets | 10.9432% | 2,640 |
| Core capital (leverage) ratio | 11.2625% | 2,198 |
| Tier 1 risk-based capital ratio | 15.4246% | 2,687 |
| Total risk-based capital ratio | 16.6581% | 2,632 |
| Memoranda: | ||
| Average total assets | $97,335,000 | 4,259 |
| Average earning assets | $86,597,000 | 4,332 |
| Average equity | $10,571,000 | 4,343 |
| Average total loans | $64,419,000 | 4,084 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,215 |
| Cost of funding earning assets | 0.2494% | 4,572 |
| Net interest margin | 4.0880% | 1,486 |
| Noninterest income to average assets | 0.6319% | 2,293 |
| Noninterest expense to average assets | 3.1064% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7201% | 3,518 |
| Return on assets (ROA) | 0.7201% | 3,563 |
| Pretax return on assets | 1.1309% | 3,058 |
| Return on Equity (ROE) | 6.6871% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.0801% | 1,496 |
| Net charge-offs to loans | 0.0036% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 160 |
| Efficiency ratio | 73.3105% | 2,012 |
| Assets per employee ($millions) | 3.9057% | 4,114 |
| Cash dividends to net income (ytd only)* | 9.0778% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,796 |
| Loan loss allowance to noncurrent loans | 2,491.4286% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,960 |
| Noncurrent loans to loans | 0.0560% | 4,745 |
| Net loans and leases to total assets | 63.1685% | 3,469 |
| Net loans and leases to deposits | 71.9582% | 3,707 |
| Net loans and leases to core deposits | 74.7389% | 3,826 |
| Total domestic deposits to total assets | 87.7850% | 1,610 |
| Equity capital to assets | 10.7781% | 2,864 |
| Core capital (leverage) ratio | 10.7588% | 2,579 |
| Tier 1 risk-based capital ratio | 15.1712% | 2,764 |
| Total risk-based capital ratio | 16.4211% | 2,696 |
| Memoranda: | ||
| Average total assets | $96,381,800 | 4,306 |
| Average earning assets | $85,004,200 | 4,378 |
| Average equity | $10,378,200 | 4,393 |
| Average total loans | $55,918,600 | 4,293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 2,509 |
| Cost of funding earning assets | 0.2503% | 4,565 |
| Net interest margin | 3.9825% | 1,773 |
| Noninterest income to average assets | 0.4400% | 3,403 |
| Noninterest expense to average assets | 3.0603% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5746% | 4,484 |
| Return on assets (ROA) | 0.5746% | 4,529 |
| Pretax return on assets | 0.8910% | 4,070 |
| Return on Equity (ROE) | 5.3375% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.3375% | 2,658 |
| Net charge-offs to loans | 0.0049% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 320.5918% | 286 |
| Efficiency ratio | 77.4499% | 1,402 |
| Assets per employee ($millions) | 3.8786% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,754 |
| 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 | 61.7136% | 3,680 |
| Net loans and leases to deposits | 70.4730% | 3,921 |
| Net loans and leases to core deposits | 73.1782% | 4,046 |
| Total domestic deposits to total assets | 87.5706% | 1,600 |
| Equity capital to assets | 10.9587% | 2,899 |
| Core capital (leverage) ratio | 10.7879% | 2,654 |
| Tier 1 risk-based capital ratio | 17.0394% | 2,144 |
| Total risk-based capital ratio | 18.2906% | 2,097 |
| Memoranda: | ||
| Average total assets | $96,066,750 | 4,349 |
| Average earning assets | $84,701,250 | 4,426 |
| Average equity | $10,341,750 | 4,442 |
| Average total loans | $54,260,500 | 4,389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 2,944 |
| Cost of funding earning assets | 0.2491% | 4,547 |
| Net interest margin | 3.8193% | 2,213 |
| Noninterest income to average assets | 0.4469% | 3,377 |
| Noninterest expense to average assets | 3.0616% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4866% | 4,741 |
| Return on assets (ROA) | 0.4866% | 4,777 |
| Pretax return on assets | 0.7476% | 4,440 |
| Return on Equity (ROE) | 4.5477% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.5477% | 3,001 |
| Net charge-offs to loans | 0.0077% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 445 |
| Efficiency ratio | 80.3728% | 1,173 |
| Assets per employee ($millions) | 3.9542% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,379 |
| 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 | 55.8328% | 4,242 |
| Net loans and leases to deposits | 63.4628% | 4,405 |
| Net loans and leases to core deposits | 66.0369% | 4,466 |
| Total domestic deposits to total assets | 87.9772% | 1,467 |
| Equity capital to assets | 10.5752% | 3,256 |
| Core capital (leverage) ratio | 10.7593% | 2,639 |
| Tier 1 risk-based capital ratio | 17.5352% | 1,997 |
| Total risk-based capital ratio | 18.7878% | 1,947 |
| Memoranda: | ||
| Average total assets | $95,767,670 | 4,381 |
| Average earning assets | $84,308,670 | 4,458 |
| Average equity | $10,247,000 | 4,474 |
| Average total loans | $52,110,000 | 4,465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,037 |
| Cost of funding earning assets | 0.2468% | 4,563 |
| Net interest margin | 3.7552% | 2,280 |
| Noninterest income to average assets | 0.4542% | 3,286 |
| Noninterest expense to average assets | 3.0778% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4415% | 4,808 |
| Return on assets (ROA) | 0.4415% | 4,831 |
| Pretax return on assets | 0.6707% | 4,529 |
| Return on Equity (ROE) | 4.1011% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.1011% | 3,409 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1065% | 1,149 |
| Assets per employee ($millions) | 4.1083% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,058 |
| Loan loss allowance to noncurrent loans | 3,237.0370% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,165 |
| Noncurrent loans to loans | 0.0540% | 4,979 |
| Net loans and leases to total assets | 51.9600% | 4,519 |
| Net loans and leases to deposits | 59.2792% | 4,619 |
| Net loans and leases to core deposits | 61.6151% | 4,682 |
| Total domestic deposits to total assets | 87.6529% | 1,914 |
| Equity capital to assets | 10.8295% | 2,823 |
| Core capital (leverage) ratio | 10.8478% | 2,542 |
| Tier 1 risk-based capital ratio | 19.0855% | 1,597 |
| Total risk-based capital ratio | 20.3396% | 1,556 |
| Memoranda: | ||
| Average total assets | $94,224,500 | 4,456 |
| Average earning assets | $82,659,500 | 4,534 |
| Average equity | $10,143,500 | 4,520 |
| Average total loans | $50,132,500 | 4,560 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,435 |
| Cost of funding earning assets | 0.2592% | 4,477 |
| Net interest margin | 3.9579% | 1,758 |
| Noninterest income to average assets | 0.3833% | 4,009 |
| Noninterest expense to average assets | 3.0412% | 2,215 |
| Loan and lease loss provision to assets | -0.0829% | 5,666 |
| Net operating income to assets | 0.5572% | 4,405 |
| Return on assets (ROA) | 0.5623% | 4,477 |
| Pretax return on assets | 0.8572% | 3,988 |
| Return on Equity (ROE) | 5.0784% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.4499% | 2,744 |
| Net charge-offs to loans | -0.1550% | 5,691 |
| Credit loss provision to net charge-offs | 97.4026% | 2,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8666% | 1,438 |
| Assets per employee ($millions) | 4.0851% | 3,818 |
| Cash dividends to net income (ytd only)* | 12.3772% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 1,063 |
| Loan loss allowance to noncurrent loans | 334.8659% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 4,163 |
| Noncurrent loans to loans | 0.5190% | 3,290 |
| Net loans and leases to total assets | 52.5975% | 4,561 |
| Net loans and leases to deposits | 59.9352% | 4,672 |
| Net loans and leases to core deposits | 62.5082% | 4,723 |
| Total domestic deposits to total assets | 87.7572% | 1,765 |
| Equity capital to assets | 10.7006% | 2,922 |
| Core capital (leverage) ratio | 10.6424% | 2,728 |
| Tier 1 risk-based capital ratio | 18.8359% | 1,637 |
| Total risk-based capital ratio | 20.0900% | 1,601 |
| Memoranda: | ||
| Average total assets | $90,523,200 | 4,534 |
| Average earning assets | $78,325,000 | 4,622 |
| Average equity | $10,022,800 | 4,566 |
| Average total loans | $49,669,800 | 4,586 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 1,912 |
| Cost of funding earning assets | 0.2644% | 4,459 |
| Net interest margin | 4.1189% | 1,346 |
| Noninterest income to average assets | 0.3599% | 4,203 |
| Noninterest expense to average assets | 2.9948% | 2,334 |
| Loan and lease loss provision to assets | -0.1115% | 5,805 |
| Net operating income to assets | 0.6205% | 4,210 |
| Return on assets (ROA) | 0.6275% | 4,298 |
| Pretax return on assets | 0.9383% | 3,852 |
| Return on Equity (ROE) | 5.6181% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.7793% | 2,971 |
| Net charge-offs to loans | -0.1427% | 5,679 |
| Credit loss provision to net charge-offs | 141.5094% | 1,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5798% | 1,603 |
| Assets per employee ($millions) | 4.1250% | 3,748 |
| Cash dividends to net income (ytd only)* | 14.9294% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 1,255 |
| Loan loss allowance to noncurrent loans | 6,071.4286% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,463 |
| Noncurrent loans to loans | 0.0278% | 5,270 |
| Net loans and leases to total assets | 52.2735% | 4,637 |
| Net loans and leases to deposits | 59.6495% | 4,781 |
| Net loans and leases to core deposits | 62.3782% | 4,808 |
| Total domestic deposits to total assets | 87.6344% | 1,595 |
| Equity capital to assets | 10.8099% | 3,234 |
| Core capital (leverage) ratio | 10.9678% | 2,479 |
| Tier 1 risk-based capital ratio | 18.4805% | 1,794 |
| Total risk-based capital ratio | 19.7345% | 1,756 |
| Memoranda: | ||
| Average total assets | $89,664,750 | 4,589 |
| Average earning assets | $75,131,000 | 4,739 |
| Average equity | $10,015,000 | 4,614 |
| Average total loans | $49,514,000 | 4,631 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 1,931 |
| Cost of funding earning assets | 0.2611% | 4,537 |
| Net interest margin | 4.1029% | 1,359 |
| Noninterest income to average assets | 0.3116% | 4,547 |
| Noninterest expense to average assets | 3.0047% | 2,327 |
| Loan and lease loss provision to assets | -0.1706% | 5,925 |
| Net operating income to assets | 0.6308% | 4,141 |
| Return on assets (ROA) | 0.6414% | 4,228 |
| Pretax return on assets | 0.9599% | 3,741 |
| Return on Equity (ROE) | 5.6771% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.4088% | 3,109 |
| Net charge-offs to loans | -0.0854% | 5,567 |
| Credit loss provision to net charge-offs | 357.1429% | 844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5304% | 1,552 |
| Assets per employee ($millions) | 3.8014% | 4,263 |
| Cash dividends to net income (ytd only)* | 22.3404% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,443 |
| Loan loss allowance to noncurrent loans | 1,340.9836% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 5,271 |
| Noncurrent loans to loans | 0.1216% | 4,961 |
| Net loans and leases to total assets | 56.4352% | 4,259 |
| Net loans and leases to deposits | 65.0731% | 4,408 |
| Net loans and leases to core deposits | 68.6664% | 4,425 |
| Total domestic deposits to total assets | 86.7258% | 2,051 |
| Equity capital to assets | 11.5906% | 2,453 |
| Core capital (leverage) ratio | 11.3199% | 2,128 |
| Tier 1 risk-based capital ratio | 18.6747% | 1,761 |
| Total risk-based capital ratio | 19.9429% | 1,720 |
| Memoranda: | ||
| Average total assets | $87,927,670 | 4,657 |
| Average earning assets | $74,289,330 | 4,796 |
| Average equity | $9,934,670 | 4,658 |
| Average total loans | $49,203,670 | 4,674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 1,796 |
| Cost of funding earning assets | 0.2595% | 4,616 |
| Net interest margin | 4.1410% | 1,231 |
| Noninterest income to average assets | 0.4174% | 3,702 |
| Noninterest expense to average assets | 2.8761% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6714% | 3,873 |
| Return on assets (ROA) | 0.6714% | 3,990 |
| Pretax return on assets | 1.0162% | 3,419 |
| Return on Equity (ROE) | 6.0193% | 3,974 |
| Retained earnings to average equity (ytd only) | 3.4570% | 3,772 |
| Net charge-offs to loans | -0.1970% | 5,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8928% | 2,494 |
| Assets per employee ($millions) | 3.8613% | 4,195 |
| Cash dividends to net income (ytd only)* | 42.5676% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 953 |
| Loan loss allowance to noncurrent loans | 2,036.3636% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 4,460 |
| Noncurrent loans to loans | 0.0939% | 5,096 |
| Net loans and leases to total assets | 51.7813% | 4,645 |
| Net loans and leases to deposits | 59.5054% | 4,752 |
| Net loans and leases to core deposits | 62.5163% | 4,782 |
| Total domestic deposits to total assets | 87.0195% | 2,203 |
| Equity capital to assets | 11.1755% | 2,745 |
| Core capital (leverage) ratio | 11.2506% | 2,187 |
| Tier 1 risk-based capital ratio | 18.9767% | 1,743 |
| Total risk-based capital ratio | 20.2307% | 1,704 |
| Memoranda: | ||
| Average total assets | $88,175,000 | 4,690 |
| Average earning assets | $73,991,500 | 4,849 |
| Average equity | $9,835,000 | 4,696 |
| Average total loans | $48,725,000 | 4,715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 1,376 |
| Cost of funding earning assets | 0.2716% | 4,567 |
| Net interest margin | 4.3137% | 940 |
| Noninterest income to average assets | 0.4108% | 3,945 |
| Noninterest expense to average assets | 3.0498% | 2,383 |
| Loan and lease loss provision to assets | -0.1638% | 5,940 |
| Net operating income to assets | 0.8001% | 3,341 |
| Return on assets (ROA) | 0.7993% | 3,427 |
| Pretax return on assets | 1.2592% | 2,437 |
| Return on Equity (ROE) | 7.1940% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.5193% | 2,073 |
| Net charge-offs to loans | 0.0504% | 3,191 |
| Credit loss provision to net charge-offs | -560.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | 37.4800% | 1,232 |
| Efficiency ratio | 73.5535% | 2,649 |
| Assets per employee ($millions) | 3.8061% | 4,278 |
| Cash dividends to net income (ytd only)* | 23.2796% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 1,300 |
| Loan loss allowance to noncurrent loans | 12,457.1429% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 4,646 |
| Noncurrent loans to loans | 0.0138% | 5,476 |
| Net loans and leases to total assets | 56.7683% | 4,225 |
| Net loans and leases to deposits | 65.1977% | 4,378 |
| Net loans and leases to core deposits | 68.3008% | 4,423 |
| Total domestic deposits to total assets | 87.0711% | 2,093 |
| Equity capital to assets | 11.1321% | 2,696 |
| Core capital (leverage) ratio | 11.0010% | 2,404 |
| Tier 1 risk-based capital ratio | 17.8746% | 1,998 |
| Total risk-based capital ratio | 19.1285% | 1,950 |
| Memoranda: | ||
| Average total assets | $85,449,400 | 4,755 |
| Average earning assets | $73,996,600 | 4,857 |
| Average equity | $9,494,000 | 4,751 |
| Average total loans | $49,582,200 | 4,684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,375 |
| Cost of funding earning assets | 0.2719% | 4,641 |
| Net interest margin | 4.3107% | 940 |
| Noninterest income to average assets | 0.4113% | 4,000 |
| Noninterest expense to average assets | 2.9876% | 2,564 |
| Loan and lease loss provision to assets | -0.2198% | 6,113 |
| Net operating income to assets | 0.8964% | 2,977 |
| Return on assets (ROA) | 0.8964% | 3,066 |
| Pretax return on assets | 1.4019% | 2,005 |
| Return on Equity (ROE) | 8.0722% | 3,042 |
| Retained earnings to average equity (ytd only) | 5.8245% | 2,352 |
| Net charge-offs to loans | 0.0676% | 2,600 |
| Credit loss provision to net charge-offs | -560.0000% | 5,387 |
| Earnings coverage of net charge-offs (x) | 30.1221% | 1,490 |
| Efficiency ratio | 71.6491% | 2,943 |
| Assets per employee ($millions) | 3.8033% | 4,258 |
| Cash dividends to net income (ytd only)* | 27.8454% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 1,279 |
| Loan loss allowance to noncurrent loans | 9,688.8889% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,803 |
| Noncurrent loans to loans | 0.0185% | 5,565 |
| Net loans and leases to total assets | 54.5464% | 4,506 |
| Net loans and leases to deposits | 62.6255% | 4,671 |
| Net loans and leases to core deposits | 65.7884% | 4,708 |
| Total domestic deposits to total assets | 87.0993% | 1,981 |
| Equity capital to assets | 11.0236% | 2,996 |
| Core capital (leverage) ratio | 10.9553% | 2,538 |
| Tier 1 risk-based capital ratio | 18.1506% | 1,993 |
| Total risk-based capital ratio | 19.4047% | 1,957 |
| Memoranda: | ||
| Average total assets | $84,926,750 | 4,822 |
| Average earning assets | $74,046,750 | 4,907 |
| Average equity | $9,431,250 | 4,819 |
| Average total loans | $49,336,000 | 4,743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,302 |
| Cost of funding earning assets | 0.2704% | 4,712 |
| Net interest margin | 4.3213% | 880 |
| Noninterest income to average assets | 0.4210% | 3,910 |
| Noninterest expense to average assets | 2.9806% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7945% | 3,415 |
| Return on assets (ROA) | 0.7945% | 3,506 |
| Pretax return on assets | 1.2417% | 2,587 |
| Return on Equity (ROE) | 7.1362% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.1362% | 1,644 |
| Net charge-offs to loans | 1.0003% | 207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.1048% | 3,405 |
| Efficiency ratio | 70.5915% | 3,243 |
| Assets per employee ($millions) | 3.6663% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,996 |
| Loan loss allowance to noncurrent loans | 7,890.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,877 |
| Noncurrent loans to loans | 0.0200% | 5,684 |
| Net loans and leases to total assets | 58.4956% | 4,039 |
| Net loans and leases to deposits | 67.2268% | 4,204 |
| Net loans and leases to core deposits | 70.5155% | 4,278 |
| Total domestic deposits to total assets | 87.0123% | 2,164 |
| Equity capital to assets | 11.2362% | 2,636 |
| Core capital (leverage) ratio | 11.1045% | 2,327 |
| Tier 1 risk-based capital ratio | 17.7188% | 2,149 |
| Total risk-based capital ratio | 18.9717% | 2,100 |
| Memoranda: | ||
| Average total assets | $84,077,000 | 4,892 |
| Average earning assets | $73,960,000 | 4,961 |
| Average equity | $9,360,670 | 4,864 |
| Average total loans | $49,585,670 | 4,767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 1,076 |
| Cost of funding earning assets | 0.2690% | 4,802 |
| Net interest margin | 4.4060% | 723 |
| Noninterest income to average assets | 0.4002% | 4,004 |
| Noninterest expense to average assets | 2.9159% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8910% | 2,783 |
| Return on assets (ROA) | 0.8910% | 2,909 |
| Pretax return on assets | 1.3865% | 1,938 |
| Return on Equity (ROE) | 8.0400% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.0400% | 1,557 |
| Net charge-offs to loans | 1.5896% | 119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.4847% | 2,913 |
| Efficiency ratio | 67.7741% | 3,863 |
| Assets per employee ($millions) | 3.3546% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 1,628 |
| Loan loss allowance to noncurrent loans | 174.8441% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,759 |
| Noncurrent loans to loans | 0.9966% | 2,771 |
| Net loans and leases to total assets | 56.5475% | 4,144 |
| Net loans and leases to deposits | 65.0432% | 4,262 |
| Net loans and leases to core deposits | 68.7409% | 4,262 |
| Total domestic deposits to total assets | 86.9384% | 2,407 |
| Equity capital to assets | 11.2682% | 2,686 |
| Core capital (leverage) ratio | 11.1223% | 2,294 |
| Tier 1 risk-based capital ratio | 18.1297% | 2,097 |
| Total risk-based capital ratio | 19.3969% | 2,048 |
| Memoranda: | ||
| Average total assets | $83,952,500 | 4,940 |
| Average earning assets | $74,353,000 | 4,997 |
| Average equity | $9,303,500 | 4,916 |
| Average total loans | $49,320,500 | 4,804 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,972 |
| Cost of funding earning assets | 0.3583% | 4,160 |
| Net interest margin | 4.1172% | 1,519 |
| Noninterest income to average assets | 0.4483% | 3,841 |
| Noninterest expense to average assets | 3.2932% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5228% | 4,716 |
| Return on assets (ROA) | 0.5228% | 4,806 |
| Pretax return on assets | 0.7571% | 4,415 |
| Return on Equity (ROE) | 4.9568% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.2186% | 3,945 |
| Net charge-offs to loans | 0.1656% | 2,377 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.1013% | 2,926 |
| Efficiency ratio | 81.3084% | 1,733 |
| Assets per employee ($millions) | 3.3616% | 5,141 |
| Cash dividends to net income (ytd only)* | 35.0679% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 1,013 |
| Loan loss allowance to noncurrent loans | 129.3017% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 2,845 |
| Noncurrent loans to loans | 1.5920% | 1,835 |
| Net loans and leases to total assets | 58.7094% | 3,962 |
| Net loans and leases to deposits | 68.2312% | 4,103 |
| Net loans and leases to core deposits | 72.1387% | 4,105 |
| Total domestic deposits to total assets | 86.0449% | 2,813 |
| Equity capital to assets | 10.8959% | 3,019 |
| Core capital (leverage) ratio | 10.7856% | 2,629 |
| Tier 1 risk-based capital ratio | 16.8400% | 2,583 |
| Total risk-based capital ratio | 18.0978% | 2,521 |
| Memoranda: | ||
| Average total assets | $84,538,000 | 4,947 |
| Average earning assets | $73,958,800 | 5,040 |
| Average equity | $8,917,000 | 4,994 |
| Average total loans | $47,699,800 | 4,893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,948 |
| Cost of funding earning assets | 0.3670% | 4,159 |
| Net interest margin | 4.1128% | 1,536 |
| Noninterest income to average assets | 0.4929% | 3,592 |
| Noninterest expense to average assets | 3.1733% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6331% | 4,291 |
| Return on assets (ROA) | 0.6331% | 4,394 |
| Pretax return on assets | 0.9024% | 3,972 |
| Return on Equity (ROE) | 6.0516% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,797 |
| Net charge-offs to loans | 0.0113% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 143.3358% | 430 |
| Efficiency ratio | 77.8594% | 2,201 |
| Assets per employee ($millions) | 3.4183% | 5,022 |
| Cash dividends to net income (ytd only)* | 9.9498% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3361% | 796 |
| Loan loss allowance to noncurrent loans | 129.1521% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 2,428 |
| Noncurrent loans to loans | 1.8088% | 1,785 |
| Net loans and leases to total assets | 54.4005% | 4,526 |
| Net loans and leases to deposits | 64.4169% | 4,490 |
| Net loans and leases to core deposits | 67.8652% | 4,520 |
| Total domestic deposits to total assets | 84.4507% | 3,566 |
| Equity capital to assets | 10.6802% | 3,331 |
| Core capital (leverage) ratio | 10.9195% | 2,562 |
| Tier 1 risk-based capital ratio | 17.3807% | 2,439 |
| Total risk-based capital ratio | 18.4771% | 2,473 |
| Memoranda: | ||
| Average total assets | $84,662,250 | 5,006 |
| Average earning assets | $73,751,750 | 5,110 |
| Average equity | $8,857,000 | 5,049 |
| Average total loans | $47,030,500 | 4,966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 1,613 |
| Cost of funding earning assets | 0.3724% | 4,177 |
| Net interest margin | 4.1971% | 1,250 |
| Noninterest income to average assets | 0.5142% | 3,375 |
| Noninterest expense to average assets | 3.1707% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6967% | 3,858 |
| Return on assets (ROA) | 0.6967% | 3,948 |
| Pretax return on assets | 1.0024% | 3,468 |
| Return on Equity (ROE) | 6.7070% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7070% | 1,923 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9796% | 2,637 |
| Assets per employee ($millions) | 3.3584% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 849 |
| Loan loss allowance to noncurrent loans | 108.2444% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 2,185 |
| Noncurrent loans to loans | 2.1741% | 1,514 |
| Net loans and leases to total assets | 55.1506% | 4,391 |
| Net loans and leases to deposits | 65.3896% | 4,336 |
| Net loans and leases to core deposits | 68.9586% | 4,365 |
| Total domestic deposits to total assets | 84.3415% | 3,804 |
| Equity capital to assets | 10.7848% | 3,109 |
| Core capital (leverage) ratio | 10.7861% | 2,638 |
| Tier 1 risk-based capital ratio | 17.3280% | 2,488 |
| Total risk-based capital ratio | 18.5874% | 2,444 |
| Memoranda: | ||
| Average total assets | $84,397,330 | 5,050 |
| Average earning assets | $73,574,000 | 5,147 |
| Average equity | $8,767,000 | 5,093 |
| Average total loans | $46,840,330 | 5,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 1,087 |
| Cost of funding earning assets | 0.3680% | 4,343 |
| Net interest margin | 4.4102% | 789 |
| Noninterest income to average assets | 0.5484% | 3,060 |
| Noninterest expense to average assets | 3.1295% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8604% | 2,852 |
| Return on assets (ROA) | 0.8604% | 2,918 |
| Pretax return on assets | 1.2716% | 2,210 |
| Return on Equity (ROE) | 8.4425% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.4425% | 1,440 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1063% | 3,645 |
| Assets per employee ($millions) | 3.3960% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4068% | 904 |
| Loan loss allowance to noncurrent loans | 91.8519% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6926% | 2,085 |
| Noncurrent loans to loans | 2.6203% | 1,309 |
| Net loans and leases to total assets | 53.3015% | 4,510 |
| Net loans and leases to deposits | 62.8924% | 4,444 |
| Net loans and leases to core deposits | 67.7562% | 4,339 |
| Total domestic deposits to total assets | 84.7503% | 3,971 |
| Equity capital to assets | 10.3380% | 3,414 |
| Core capital (leverage) ratio | 10.6546% | 2,756 |
| Tier 1 risk-based capital ratio | 17.1507% | 2,618 |
| Total risk-based capital ratio | 18.4116% | 2,570 |
| Memoranda: | ||
| Average total assets | $84,615,500 | 5,098 |
| Average earning assets | $73,919,500 | 5,181 |
| Average equity | $8,623,000 | 5,141 |
| Average total loans | $46,550,000 | 5,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,939 |
| Cost of funding earning assets | 0.4444% | 4,169 |
| Net interest margin | 3.5998% | 3,467 |
| Noninterest income to average assets | 0.7387% | 2,338 |
| Noninterest expense to average assets | 3.0629% | 2,854 |
| Loan and lease loss provision to assets | 0.0706% | 3,712 |
| Net operating income to assets | 0.5540% | 4,486 |
| Return on assets (ROA) | 0.6375% | 4,190 |
| Pretax return on assets | 0.8622% | 3,908 |
| Return on Equity (ROE) | 6.3543% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.7130% | 2,805 |
| Net charge-offs to loans | 0.0301% | 4,827 |
| Credit loss provision to net charge-offs | 428.5714% | 534 |
| Earnings coverage of net charge-offs (x) | 49.7857% | 794 |
| Efficiency ratio | 78.8852% | 2,341 |
| Assets per employee ($millions) | 3.3732% | 5,152 |
| Cash dividends to net income (ytd only)* | 25.8303% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 946 |
| Loan loss allowance to noncurrent loans | 47.7944% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.7689% | 1,194 |
| Noncurrent loans to loans | 4.9967% | 502 |
| Net loans and leases to total assets | 54.0904% | 4,572 |
| Net loans and leases to deposits | 63.4979% | 4,564 |
| Net loans and leases to core deposits | 68.1482% | 4,500 |
| Total domestic deposits to total assets | 85.1846% | 3,652 |
| Equity capital to assets | 10.0426% | 3,708 |
| Core capital (leverage) ratio | 10.2861% | 3,167 |
| Tier 1 risk-based capital ratio | 16.4532% | 2,879 |
| Total risk-based capital ratio | 17.7078% | 2,836 |
| Memoranda: | ||
| Average total assets | $85,016,200 | 5,114 |
| Average earning assets | $74,253,600 | 5,188 |
| Average equity | $8,529,600 | 5,204 |
| Average total loans | $46,484,000 | 5,092 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 4,033 |
| Cost of funding earning assets | 0.4558% | 4,207 |
| Net interest margin | 3.5691% | 3,584 |
| Noninterest income to average assets | 0.5321% | 3,575 |
| Noninterest expense to average assets | 3.0051% | 2,976 |
| Loan and lease loss provision to assets | 0.0704% | 3,656 |
| Net operating income to assets | 0.3830% | 5,317 |
| Return on assets (ROA) | 0.4836% | 5,030 |
| Pretax return on assets | 0.7200% | 4,611 |
| Return on Equity (ROE) | 4.8216% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.7435% | 3,275 |
| Net charge-offs to loans | 0.0488% | 4,205 |
| Credit loss provision to net charge-offs | 264.7059% | 947 |
| Earnings coverage of net charge-offs (x) | 24.0547% | 1,438 |
| Efficiency ratio | 82.4388% | 1,772 |
| Assets per employee ($millions) | 3.5759% | 4,698 |
| Cash dividends to net income (ytd only)* | 1.6190% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4050% | 1,043 |
| Loan loss allowance to noncurrent loans | 46.0377% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.7790% | 1,349 |
| Noncurrent loans to loans | 5.2240% | 550 |
| Net loans and leases to total assets | 51.9185% | 4,886 |
| Net loans and leases to deposits | 62.1229% | 4,750 |
| Net loans and leases to core deposits | 66.6801% | 4,653 |
| Total domestic deposits to total assets | 83.5740% | 4,355 |
| Equity capital to assets | 9.8973% | 4,054 |
| Core capital (leverage) ratio | 10.1275% | 3,491 |
| Tier 1 risk-based capital ratio | 16.7506% | 2,840 |
| Total risk-based capital ratio | 17.9232% | 2,831 |
| Memoranda: | ||
| Average total assets | $85,187,500 | 5,154 |
| Average earning assets | $74,302,250 | 5,236 |
| Average equity | $8,544,750 | 5,261 |
| Average total loans | $46,422,250 | 5,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,979 |
| Cost of funding earning assets | 0.4569% | 4,351 |
| Net interest margin | 3.5796% | 3,452 |
| Noninterest income to average assets | 0.4919% | 3,888 |
| Noninterest expense to average assets | 3.0244% | 2,923 |
| Loan and lease loss provision to assets | 0.0706% | 3,624 |
| Net operating income to assets | 0.3356% | 5,464 |
| Return on assets (ROA) | 0.4825% | 5,050 |
| Pretax return on assets | 0.7390% | 4,543 |
| Return on Equity (ROE) | 4.7888% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.7888% | 3,194 |
| Net charge-offs to loans | 0.0686% | 3,730 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,737 |
| Efficiency ratio | 83.8226% | 1,649 |
| Assets per employee ($millions) | 3.5858% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3997% | 1,094 |
| Loan loss allowance to noncurrent loans | 45.9712% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 3.4395% | 1,128 |
| Noncurrent loans to loans | 5.2199% | 601 |
| Net loans and leases to total assets | 51.2305% | 4,964 |
| Net loans and leases to deposits | 60.9612% | 4,867 |
| Net loans and leases to core deposits | 65.3916% | 4,753 |
| Total domestic deposits to total assets | 84.0379% | 4,298 |
| Equity capital to assets | 9.5131% | 4,562 |
| Core capital (leverage) ratio | 9.8725% | 3,684 |
| Tier 1 risk-based capital ratio | 16.1985% | 3,087 |
| Total risk-based capital ratio | 17.4595% | 3,030 |
| Memoranda: | ||
| Average total assets | $84,976,330 | 5,194 |
| Average earning assets | $73,974,000 | 5,279 |
| Average equity | $8,561,670 | 5,285 |
| Average total loans | $46,678,000 | 5,153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,942 |
| Cost of funding earning assets | 0.4667% | 4,409 |
| Net interest margin | 3.5765% | 3,356 |
| Noninterest income to average assets | 0.4453% | 4,139 |
| Noninterest expense to average assets | 3.0272% | 2,896 |
| Loan and lease loss provision to assets | 0.0711% | 3,448 |
| Net operating income to assets | 0.3161% | 5,509 |
| Return on assets (ROA) | 0.6253% | 4,253 |
| Pretax return on assets | 0.9238% | 3,676 |
| Return on Equity (ROE) | 6.0350% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.0350% | 2,659 |
| Net charge-offs to loans | 0.0337% | 3,556 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 983 |
| Efficiency ratio | 84.8606% | 1,656 |
| Assets per employee ($millions) | 3.5782% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 1,429 |
| Loan loss allowance to noncurrent loans | 60.3911% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.5467% | 1,801 |
| Noncurrent loans to loans | 3.7875% | 1,220 |
| Net loans and leases to total assets | 53.7752% | 4,453 |
| Net loans and leases to deposits | 64.4918% | 4,255 |
| Net loans and leases to core deposits | 67.2139% | 4,392 |
| Total domestic deposits to total assets | 83.3830% | 4,719 |
| Equity capital to assets | 10.1961% | 3,910 |
| Core capital (leverage) ratio | 10.2373% | 3,101 |
| Tier 1 risk-based capital ratio | 16.1240% | 3,194 |
| Total risk-based capital ratio | 17.3834% | 3,149 |
| Memoranda: | ||
| Average total assets | $84,434,500 | 5,251 |
| Average earning assets | $73,704,000 | 5,330 |
| Average equity | $8,749,000 | 5,287 |
| Average total loans | $47,430,500 | 5,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 3,502 |
| Cost of funding earning assets | 0.5434% | 4,873 |
| Net interest margin | 3.9317% | 2,689 |
| Noninterest income to average assets | 0.4661% | 4,133 |
| Noninterest expense to average assets | 3.2012% | 2,610 |
| Loan and lease loss provision to assets | 0.0734% | 4,805 |
| Net operating income to assets | 0.4257% | 4,984 |
| Return on assets (ROA) | 0.4257% | 5,238 |
| Pretax return on assets | 0.6079% | 4,974 |
| Return on Equity (ROE) | 4.0027% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.2774% | 4,636 |
| Net charge-offs to loans | 0.1954% | 3,812 |
| Credit loss provision to net charge-offs | 65.2174% | 4,309 |
| Earnings coverage of net charge-offs (x) | 6.0543% | 2,882 |
| Efficiency ratio | 82.4512% | 1,811 |
| Assets per employee ($millions) | 3.4580% | 5,091 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 1,466 |
| Loan loss allowance to noncurrent loans | 59.6100% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.3628% | 2,078 |
| Noncurrent loans to loans | 3.7710% | 1,287 |
| Net loans and leases to total assets | 56.0650% | 4,281 |
| Net loans and leases to deposits | 67.6810% | 4,030 |
| Net loans and leases to core deposits | 70.1948% | 4,282 |
| Total domestic deposits to total assets | 82.8371% | 4,784 |
| Equity capital to assets | 10.5334% | 3,486 |
| Core capital (leverage) ratio | 10.3419% | 2,957 |
| Tier 1 risk-based capital ratio | 15.9410% | 3,195 |
| Total risk-based capital ratio | 17.2037% | 3,149 |
| Memoranda: | ||
| Average total assets | $81,750,800 | 5,305 |
| Average earning assets | $71,037,200 | 5,394 |
| Average equity | $8,694,200 | 5,307 |
| Average total loans | $47,089,800 | 5,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 3,411 |
| Cost of funding earning assets | 0.5601% | 4,993 |
| Net interest margin | 3.9941% | 2,523 |
| Noninterest income to average assets | 0.4666% | 4,170 |
| Noninterest expense to average assets | 3.1548% | 2,703 |
| Loan and lease loss provision to assets | 0.0737% | 4,739 |
| Net operating income to assets | 0.4944% | 4,863 |
| Return on assets (ROA) | 0.4944% | 5,133 |
| Pretax return on assets | 0.7056% | 4,842 |
| Return on Equity (ROE) | 4.6377% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,790 |
| Net charge-offs to loans | 0.2470% | 3,241 |
| Credit loss provision to net charge-offs | 51.7241% | 4,357 |
| Earnings coverage of net charge-offs (x) | 5.4711% | 3,011 |
| Efficiency ratio | 80.1914% | 2,070 |
| Assets per employee ($millions) | 3.5862% | 4,777 |
| Cash dividends to net income (ytd only)* | 36.4228% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2050% | 1,696 |
| Loan loss allowance to noncurrent loans | 65.3514% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 2.1677% | 2,470 |
| Noncurrent loans to loans | 3.3740% | 1,626 |
| Net loans and leases to total assets | 56.9979% | 4,295 |
| Net loans and leases to deposits | 69.0545% | 4,016 |
| Net loans and leases to core deposits | 71.6454% | 4,297 |
| Total domestic deposits to total assets | 82.5404% | 4,817 |
| Equity capital to assets | 10.7223% | 3,585 |
| Core capital (leverage) ratio | 10.3724% | 3,074 |
| Tier 1 risk-based capital ratio | 15.8220% | 3,365 |
| Total risk-based capital ratio | 17.0816% | 3,325 |
| Memoranda: | ||
| Average total assets | $81,440,250 | 5,367 |
| Average earning assets | $70,701,750 | 5,467 |
| Average equity | $8,682,250 | 5,355 |
| Average total loans | $46,962,250 | 5,270 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 3,563 |
| Cost of funding earning assets | 0.5776% | 5,094 |
| Net interest margin | 3.9718% | 2,627 |
| Noninterest income to average assets | 0.4415% | 4,356 |
| Noninterest expense to average assets | 3.1199% | 2,859 |
| Loan and lease loss provision to assets | 0.0740% | 4,700 |
| Net operating income to assets | 0.4883% | 4,873 |
| Return on assets (ROA) | 0.4883% | 5,123 |
| Pretax return on assets | 0.6906% | 4,854 |
| Return on Equity (ROE) | 4.5895% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.5895% | 3,553 |
| Net charge-offs to loans | 0.3777% | 2,503 |
| Credit loss provision to net charge-offs | 34.0909% | 4,377 |
| Earnings coverage of net charge-offs (x) | 3.5227% | 3,343 |
| Efficiency ratio | 80.3175% | 2,121 |
| Assets per employee ($millions) | 3.5662% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,738 |
| Loan loss allowance to noncurrent loans | 62.1429% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.2506% | 2,483 |
| Noncurrent loans to loans | 3.5610% | 1,610 |
| Net loans and leases to total assets | 56.2459% | 4,429 |
| Net loans and leases to deposits | 68.0935% | 4,180 |
| Net loans and leases to core deposits | 70.9328% | 4,421 |
| Total domestic deposits to total assets | 82.6010% | 4,908 |
| Equity capital to assets | 10.6618% | 3,498 |
| Core capital (leverage) ratio | 10.3484% | 2,988 |
| Tier 1 risk-based capital ratio | 16.0245% | 3,153 |
| Total risk-based capital ratio | 17.2787% | 3,125 |
| Memoranda: | ||
| Average total assets | $81,093,000 | 5,407 |
| Average earning assets | $70,295,330 | 5,514 |
| Average equity | $8,628,330 | 5,373 |
| Average total loans | $46,592,000 | 5,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 3,825 |
| Cost of funding earning assets | 0.5940% | 5,179 |
| Net interest margin | 3.9294% | 2,805 |
| Noninterest income to average assets | 0.4068% | 4,623 |
| Noninterest expense to average assets | 3.0411% | 3,110 |
| Loan and lease loss provision to assets | 0.0744% | 4,470 |
| Net operating income to assets | 0.4911% | 4,869 |
| Return on assets (ROA) | 0.4911% | 5,070 |
| Pretax return on assets | 0.7045% | 4,777 |
| Return on Equity (ROE) | 4.6208% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.6208% | 3,800 |
| Net charge-offs to loans | 0.2937% | 2,492 |
| Credit loss provision to net charge-offs | 44.1176% | 3,376 |
| Earnings coverage of net charge-offs (x) | 4.6176% | 2,539 |
| Efficiency ratio | 79.6104% | 2,252 |
| Assets per employee ($millions) | 3.3814% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,571 |
| Loan loss allowance to noncurrent loans | 52.3441% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.7540% | 2,133 |
| Noncurrent loans to loans | 4.5137% | 1,292 |
| Net loans and leases to total assets | 55.1482% | 4,526 |
| Net loans and leases to deposits | 66.7865% | 4,263 |
| Net loans and leases to core deposits | 69.6023% | 4,482 |
| Total domestic deposits to total assets | 82.5739% | 5,092 |
| Equity capital to assets | 10.6304% | 3,347 |
| Core capital (leverage) ratio | 10.4236% | 2,843 |
| Tier 1 risk-based capital ratio | 16.1093% | 3,118 |
| Total risk-based capital ratio | 17.3697% | 3,080 |
| Memoranda: | ||
| Average total assets | $80,628,500 | 5,453 |
| Average earning assets | $70,036,000 | 5,561 |
| Average equity | $8,570,000 | 5,417 |
| Average total loans | $46,299,000 | 5,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 3,887 |
| Cost of funding earning assets | 0.7776% | 5,020 |
| Net interest margin | 4.0052% | 2,854 |
| Noninterest income to average assets | 0.4888% | 3,931 |
| Noninterest expense to average assets | 3.2003% | 2,869 |
| Loan and lease loss provision to assets | 0.1688% | 4,530 |
| Net operating income to assets | 0.4315% | 4,731 |
| Return on assets (ROA) | 0.4463% | 4,868 |
| Pretax return on assets | 0.6038% | 4,682 |
| Return on Equity (ROE) | 4.2514% | 4,739 |
| Retained earnings to average equity (ytd only) | 1.7863% | 4,942 |
| Net charge-offs to loans | -0.0277% | 6,993 |
| Credit loss provision to net charge-offs | -1,038.4615% | 6,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9614% | 2,165 |
| Assets per employee ($millions) | 3.8144% | 4,289 |
| Cash dividends to net income (ytd only)* | 57.9832% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 1,530 |
| Loan loss allowance to noncurrent loans | 149.7283% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1261% | 4,353 |
| Noncurrent loans to loans | 1.5740% | 3,802 |
| Net loans and leases to total assets | 56.9991% | 4,544 |
| Net loans and leases to deposits | 69.1306% | 4,253 |
| Net loans and leases to core deposits | 71.7938% | 4,555 |
| Total domestic deposits to total assets | 82.4513% | 4,984 |
| Equity capital to assets | 10.6276% | 3,390 |
| Core capital (leverage) ratio | 10.3571% | 2,901 |
| Tier 1 risk-based capital ratio | 15.5106% | 3,317 |
| Total risk-based capital ratio | 16.7665% | 3,263 |
| Memoranda: | ||
| Average total assets | $79,993,600 | 5,456 |
| Average earning assets | $69,185,200 | 5,569 |
| Average equity | $8,397,200 | 5,440 |
| Average total loans | $47,007,800 | 5,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8389% | 3,835 |
| Cost of funding earning assets | 0.8152% | 5,048 |
| Net interest margin | 4.0237% | 2,815 |
| Noninterest income to average assets | 0.5135% | 3,770 |
| Noninterest expense to average assets | 3.1729% | 2,915 |
| Loan and lease loss provision to assets | 0.2251% | 3,759 |
| Net operating income to assets | 0.4435% | 4,811 |
| Return on assets (ROA) | 0.4635% | 4,898 |
| Pretax return on assets | 0.6152% | 4,759 |
| Return on Equity (ROE) | 4.4294% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.8361% | 4,655 |
| Net charge-offs to loans | -0.0425% | 7,021 |
| Credit loss provision to net charge-offs | -900.0000% | 6,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5901% | 2,324 |
| Assets per employee ($millions) | 3.6027% | 4,756 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 1,585 |
| Loan loss allowance to noncurrent loans | 431.2500% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 5,763 |
| Noncurrent loans to loans | 0.5495% | 5,768 |
| Net loans and leases to total assets | 57.3840% | 4,612 |
| Net loans and leases to deposits | 69.8723% | 4,323 |
| Net loans and leases to core deposits | 72.5889% | 4,638 |
| Total domestic deposits to total assets | 82.1270% | 5,043 |
| Equity capital to assets | 10.7963% | 3,363 |
| Core capital (leverage) ratio | 10.4141% | 2,978 |
| Tier 1 risk-based capital ratio | 15.7118% | 3,271 |
| Total risk-based capital ratio | 16.9722% | 3,229 |
| Memoranda: | ||
| Average total assets | $79,966,250 | 5,507 |
| Average earning assets | $69,022,250 | 5,613 |
| Average equity | $8,368,250 | 5,481 |
| Average total loans | $47,069,750 | 5,419 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 4,104 |
| Cost of funding earning assets | 0.8382% | 5,134 |
| Net interest margin | 3.9597% | 3,040 |
| Noninterest income to average assets | 0.5137% | 3,755 |
| Noninterest expense to average assets | 3.0697% | 3,360 |
| Loan and lease loss provision to assets | 0.2244% | 3,666 |
| Net operating income to assets | 0.4813% | 4,589 |
| Return on assets (ROA) | 0.4813% | 4,731 |
| Pretax return on assets | 0.6359% | 4,629 |
| Return on Equity (ROE) | 4.6476% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.6476% | 3,223 |
| Net charge-offs to loans | -0.0593% | 7,061 |
| Credit loss provision to net charge-offs | -642.8571% | 6,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1091% | 2,693 |
| Assets per employee ($millions) | 3.6286% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 1,749 |
| Loan loss allowance to noncurrent loans | 394.7761% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 5,832 |
| Noncurrent loans to loans | 0.5814% | 5,765 |
| Net loans and leases to total assets | 56.4156% | 4,919 |
| Net loans and leases to deposits | 68.5688% | 4,623 |
| Net loans and leases to core deposits | 70.9206% | 4,961 |
| Total domestic deposits to total assets | 82.2759% | 5,073 |
| Equity capital to assets | 10.6929% | 3,296 |
| Core capital (leverage) ratio | 10.2579% | 2,966 |
| Tier 1 risk-based capital ratio | 15.6103% | 3,177 |
| Total risk-based capital ratio | 16.8697% | 3,132 |
| Memoranda: | ||
| Average total assets | $80,202,000 | 5,543 |
| Average earning assets | $69,196,670 | 5,653 |
| Average equity | $8,305,330 | 5,518 |
| Average total loans | $47,231,000 | 5,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 4,532 |
| Cost of funding earning assets | 0.8626% | 5,191 |
| Net interest margin | 3.8359% | 3,440 |
| Noninterest income to average assets | 0.5274% | 3,671 |
| Noninterest expense to average assets | 3.0104% | 3,601 |
| Loan and lease loss provision to assets | 0.2239% | 3,418 |
| Net operating income to assets | 0.4976% | 4,497 |
| Return on assets (ROA) | 0.4976% | 4,583 |
| Pretax return on assets | 0.6120% | 4,643 |
| Return on Equity (ROE) | 4.8840% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.8840% | 3,261 |
| Net charge-offs to loans | -0.1339% | 7,166 |
| Credit loss provision to net charge-offs | -281.2500% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2665% | 2,804 |
| Assets per employee ($millions) | 3.7382% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 2,068 |
| Loan loss allowance to noncurrent loans | 103.8895% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 4,205 |
| Noncurrent loans to loans | 2.0734% | 3,482 |
| Net loans and leases to total assets | 56.0608% | 4,985 |
| Net loans and leases to deposits | 68.4416% | 4,616 |
| Net loans and leases to core deposits | 71.0018% | 4,927 |
| Total domestic deposits to total assets | 81.9105% | 5,345 |
| Equity capital to assets | 10.0692% | 3,690 |
| Core capital (leverage) ratio | 10.2438% | 2,871 |
| Tier 1 risk-based capital ratio | 15.2156% | 3,309 |
| Total risk-based capital ratio | 16.4754% | 3,259 |
| Memoranda: | ||
| Average total assets | $80,388,500 | 5,583 |
| Average earning assets | $69,554,000 | 5,688 |
| Average equity | $8,190,000 | 5,559 |
| Average total loans | $47,799,500 | 5,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 3,512 |
| Cost of funding earning assets | 1.1618% | 4,782 |
| Net interest margin | 4.0582% | 2,762 |
| Noninterest income to average assets | 0.6044% | 3,449 |
| Noninterest expense to average assets | 3.2324% | 2,970 |
| Loan and lease loss provision to assets | 0.7096% | 2,313 |
| Net operating income to assets | 0.2528% | 5,103 |
| Return on assets (ROA) | 0.2528% | 5,253 |
| Pretax return on assets | 0.2079% | 5,474 |
| Return on Equity (ROE) | 2.3924% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.2710% | 4,293 |
| Net charge-offs to loans | 0.2021% | 5,077 |
| Credit loss provision to net charge-offs | 558.5859% | 401 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,174 |
| Efficiency ratio | 77.8912% | 2,723 |
| Assets per employee ($millions) | 3.2723% | 5,488 |
| Cash dividends to net income (ytd only)* | 5.0761% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 2,383 |
| Loan loss allowance to noncurrent loans | 161.9694% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3722% | 2,897 |
| Noncurrent loans to loans | 1.2150% | 4,701 |
| Net loans and leases to total assets | 60.5136% | 4,580 |
| Net loans and leases to deposits | 74.5958% | 4,098 |
| Net loans and leases to core deposits | 77.2237% | 4,562 |
| Total domestic deposits to total assets | 81.1220% | 5,487 |
| Equity capital to assets | 10.3125% | 3,377 |
| Core capital (leverage) ratio | 10.2828% | 2,783 |
| Tier 1 risk-based capital ratio | 14.6380% | 3,455 |
| Total risk-based capital ratio | 15.8001% | 3,471 |
| Memoranda: | ||
| Average total assets | $77,928,800 | 5,648 |
| Average earning assets | $68,084,600 | 5,730 |
| Average equity | $8,234,400 | 5,647 |
| Average total loans | $48,978,600 | 5,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 3,423 |
| Cost of funding earning assets | 1.2099% | 4,805 |
| Net interest margin | 4.0760% | 2,732 |
| Noninterest income to average assets | 0.6051% | 3,411 |
| Noninterest expense to average assets | 3.1200% | 3,239 |
| Loan and lease loss provision to assets | 0.7320% | 2,091 |
| Net operating income to assets | 0.3188% | 5,090 |
| Return on assets (ROA) | 0.3188% | 5,259 |
| Pretax return on assets | 0.3223% | 5,442 |
| Return on Equity (ROE) | 2.9993% | 5,223 |
| Retained earnings to average equity (ytd only) | 2.8381% | 4,436 |
| Net charge-offs to loans | 0.0543% | 5,981 |
| Credit loss provision to net charge-offs | 2,135.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 30.7454% | 867 |
| Efficiency ratio | 74.7433% | 3,188 |
| Assets per employee ($millions) | 3.2758% | 5,531 |
| Cash dividends to net income (ytd only)* | 5.3752% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,611 |
| Loan loss allowance to noncurrent loans | 82.6047% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8367% | 3,697 |
| Noncurrent loans to loans | 2.2466% | 3,394 |
| Net loans and leases to total assets | 61.0115% | 4,715 |
| Net loans and leases to deposits | 75.5370% | 4,260 |
| Net loans and leases to core deposits | 77.8707% | 4,816 |
| Total domestic deposits to total assets | 80.7703% | 5,460 |
| Equity capital to assets | 10.6032% | 3,404 |
| Core capital (leverage) ratio | 10.2643% | 2,965 |
| Tier 1 risk-based capital ratio | 14.4907% | 3,516 |
| Total risk-based capital ratio | 15.7458% | 3,486 |
| Memoranda: | ||
| Average total assets | $77,777,000 | 5,725 |
| Average earning assets | $68,103,750 | 5,798 |
| Average equity | $8,268,250 | 5,703 |
| Average total loans | $49,103,500 | 5,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 3,327 |
| Cost of funding earning assets | 1.2398% | 4,894 |
| Net interest margin | 4.0883% | 2,616 |
| Noninterest income to average assets | 0.6168% | 3,212 |
| Noninterest expense to average assets | 3.0917% | 3,358 |
| Loan and lease loss provision to assets | 0.3045% | 3,958 |
| Net operating income to assets | 0.6065% | 3,856 |
| Return on assets (ROA) | 0.6065% | 3,990 |
| Pretax return on assets | 0.7949% | 3,902 |
| Return on Equity (ROE) | 5.7000% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.7000% | 2,497 |
| Net charge-offs to loans | 0.0773% | 5,372 |
| Credit loss provision to net charge-offs | 621.0526% | 589 |
| Earnings coverage of net charge-offs (x) | 22.4211% | 1,133 |
| Efficiency ratio | 73.7685% | 3,518 |
| Assets per employee ($millions) | 3.3268% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 5,303 |
| Loan loss allowance to noncurrent loans | 87.5731% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3461% | 4,467 |
| Noncurrent loans to loans | 1.4024% | 4,599 |
| Net loans and leases to total assets | 62.9581% | 4,475 |
| Net loans and leases to deposits | 78.4270% | 3,895 |
| Net loans and leases to core deposits | 81.2717% | 4,517 |
| Total domestic deposits to total assets | 80.2760% | 5,640 |
| Equity capital to assets | 10.9781% | 2,888 |
| Core capital (leverage) ratio | 10.5621% | 2,574 |
| Tier 1 risk-based capital ratio | 14.6101% | 3,378 |
| Total risk-based capital ratio | 15.6762% | 3,450 |
| Memoranda: | ||
| Average total assets | $77,496,670 | 5,765 |
| Average earning assets | $67,754,330 | 5,836 |
| Average equity | $8,245,670 | 5,713 |
| Average total loans | $49,180,330 | 5,638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 3,644 |
| Cost of funding earning assets | 1.2701% | 5,003 |
| Net interest margin | 4.0102% | 2,833 |
| Noninterest income to average assets | 0.6514% | 2,928 |
| Noninterest expense to average assets | 3.0364% | 3,540 |
| Loan and lease loss provision to assets | 0.2000% | 4,502 |
| Net operating income to assets | 0.6719% | 3,563 |
| Return on assets (ROA) | 0.6719% | 3,681 |
| Pretax return on assets | 0.9130% | 3,420 |
| Return on Equity (ROE) | 6.4149% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.4149% | 2,403 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1768% | 3,729 |
| Assets per employee ($millions) | 3.4093% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 6,081 |
| Loan loss allowance to noncurrent loans | 78.4571% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 4,564 |
| Noncurrent loans to loans | 1.3829% | 4,662 |
| Net loans and leases to total assets | 62.6687% | 4,619 |
| Net loans and leases to deposits | 77.2791% | 4,169 |
| Net loans and leases to core deposits | 80.9772% | 4,629 |
| Total domestic deposits to total assets | 81.0939% | 5,425 |
| Equity capital to assets | 10.5096% | 3,236 |
| Core capital (leverage) ratio | 10.3216% | 2,787 |
| Tier 1 risk-based capital ratio | 14.1750% | 3,545 |
| Total risk-based capital ratio | 15.1177% | 3,711 |
| Memoranda: | ||
| Average total assets | $77,987,000 | 5,823 |
| Average earning assets | $68,026,500 | 5,909 |
| Average equity | $8,168,500 | 5,784 |
| Average total loans | $49,384,500 | 5,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 3,236 |
| Cost of funding earning assets | 1.5292% | 5,381 |
| Net interest margin | 4.1448% | 2,267 |
| Noninterest income to average assets | 0.6416% | 3,347 |
| Noninterest expense to average assets | 3.7372% | 1,827 |
| Loan and lease loss provision to assets | 0.2719% | 5,235 |
| Net operating income to assets | 0.2495% | 4,721 |
| Return on assets (ROA) | 0.2799% | 4,702 |
| Pretax return on assets | 0.2587% | 4,873 |
| Return on Equity (ROE) | 2.6378% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.6378% | 3,299 |
| Net charge-offs to loans | 0.6442% | 3,261 |
| Credit loss provision to net charge-offs | 66.4516% | 6,550 |
| Earnings coverage of net charge-offs (x) | 1.2226% | 4,901 |
| Efficiency ratio | 88.1931% | 1,864 |
| Assets per employee ($millions) | 3.3722% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,265 |
| Loan loss allowance to noncurrent loans | 71.1648% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 4,393 |
| Noncurrent loans to loans | 1.4341% | 4,523 |
| Net loans and leases to total assets | 62.6457% | 4,878 |
| Net loans and leases to deposits | 76.1269% | 4,724 |
| Net loans and leases to core deposits | 97.8729% | 4,231 |
| Total domestic deposits to total assets | 82.2911% | 4,820 |
| Equity capital to assets | 10.4384% | 3,255 |
| Core capital (leverage) ratio | 10.2734% | 2,806 |
| Tier 1 risk-based capital ratio | 13.7499% | 3,657 |
| Total risk-based capital ratio | 14.6138% | 3,847 |
| Memoranda: | ||
| Average total assets | $75,752,400 | 5,845 |
| Average earning assets | $65,720,800 | 5,938 |
| Average equity | $8,037,000 | 5,908 |
| Average total loans | $48,120,000 | 5,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7189% | 3,246 |
| Cost of funding earning assets | 1.5814% | 5,484 |
| Net interest margin | 4.1375% | 2,260 |
| Noninterest income to average assets | 0.6303% | 3,490 |
| Noninterest expense to average assets | 3.8334% | 1,533 |
| Loan and lease loss provision to assets | 0.2355% | 5,088 |
| Net operating income to assets | 0.1470% | 5,330 |
| Return on assets (ROA) | 0.1877% | 5,271 |
| Pretax return on assets | 0.1877% | 5,329 |
| Return on Equity (ROE) | 1.7617% | 5,245 |
| Retained earnings to average equity (ytd only) | 1.7617% | 4,328 |
| Net charge-offs to loans | 0.1309% | 5,388 |
| Credit loss provision to net charge-offs | 282.9787% | 1,483 |
| Earnings coverage of net charge-offs (x) | 4.5953% | 3,080 |
| Efficiency ratio | 90.9282% | 1,614 |
| Assets per employee ($millions) | 3.2867% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,990 |
| Loan loss allowance to noncurrent loans | 80.6301% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 3,971 |
| Noncurrent loans to loans | 1.7275% | 4,047 |
| Net loans and leases to total assets | 64.7128% | 4,707 |
| Net loans and leases to deposits | 79.2827% | 4,513 |
| Net loans and leases to core deposits | 100.2788% | 4,339 |
| Total domestic deposits to total assets | 81.6229% | 4,827 |
| Equity capital to assets | 10.6940% | 3,293 |
| Core capital (leverage) ratio | 10.3603% | 2,913 |
| Tier 1 risk-based capital ratio | 13.5620% | 3,806 |
| Total risk-based capital ratio | 14.7531% | 3,783 |
| Memoranda: | ||
| Average total assets | $75,300,500 | 5,897 |
| Average earning assets | $65,255,250 | 5,991 |
| Average equity | $8,022,250 | 5,972 |
| Average total loans | $47,877,750 | 5,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 3,322 |
| Cost of funding earning assets | 1.6562% | 5,489 |
| Net interest margin | 4.0883% | 2,363 |
| Noninterest income to average assets | 0.6649% | 3,235 |
| Noninterest expense to average assets | 4.1408% | 1,142 |
| Loan and lease loss provision to assets | 0.2074% | 4,973 |
| Net operating income to assets | 0.0027% | 5,826 |
| Return on assets (ROA) | 0.0027% | 5,906 |
| Pretax return on assets | -0.1516% | 6,066 |
| Return on Equity (ROE) | 0.0250% | 5,912 |
| Retained earnings to average equity (ytd only) | 0.0250% | 5,192 |
| Net charge-offs to loans | 0.1142% | 5,015 |
| Credit loss provision to net charge-offs | 288.8889% | 1,617 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 4,952 |
| Efficiency ratio | 98.6692% | 1,241 |
| Assets per employee ($millions) | 3.2690% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 3,944 |
| Loan loss allowance to noncurrent loans | 75.6632% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3739% | 4,213 |
| Noncurrent loans to loans | 1.7944% | 3,808 |
| Net loans and leases to total assets | 63.3886% | 5,102 |
| Net loans and leases to deposits | 77.6259% | 4,926 |
| Net loans and leases to core deposits | 95.8086% | 4,925 |
| Total domestic deposits to total assets | 81.6591% | 4,829 |
| Equity capital to assets | 10.5151% | 3,387 |
| Core capital (leverage) ratio | 10.5425% | 2,775 |
| Tier 1 risk-based capital ratio | 13.4869% | 3,821 |
| Total risk-based capital ratio | 14.6268% | 3,821 |
| Memoranda: | ||
| Average total assets | $75,202,670 | 5,943 |
| Average earning assets | $64,966,330 | 6,049 |
| Average equity | $8,001,670 | 6,023 |
| Average total loans | $47,300,330 | 5,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7973% | 3,320 |
| Cost of funding earning assets | 1.7484% | 5,358 |
| Net interest margin | 4.0489% | 2,457 |
| Noninterest income to average assets | 0.7180% | 2,775 |
| Noninterest expense to average assets | 3.0794% | 3,453 |
| Loan and lease loss provision to assets | 0.1330% | 5,258 |
| Net operating income to assets | 0.8350% | 2,975 |
| Return on assets (ROA) | 0.8350% | 3,122 |
| Pretax return on assets | 1.0158% | 3,286 |
| Return on Equity (ROE) | 7.8017% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.8017% | 1,893 |
| Net charge-offs to loans | 0.2137% | 3,357 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 8.6400% | 2,160 |
| Efficiency ratio | 72.8302% | 4,030 |
| Assets per employee ($millions) | 3.3096% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 4,153 |
| Loan loss allowance to noncurrent loans | 325.2688% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 6,100 |
| Noncurrent loans to loans | 0.3954% | 6,433 |
| Net loans and leases to total assets | 61.0063% | 5,495 |
| Net loans and leases to deposits | 73.5407% | 5,537 |
| Net loans and leases to core deposits | 91.8364% | 5,358 |
| Total domestic deposits to total assets | 82.9559% | 4,169 |
| Equity capital to assets | 10.6529% | 3,327 |
| Core capital (leverage) ratio | 10.3948% | 3,028 |
| Tier 1 risk-based capital ratio | 13.7681% | 3,713 |
| Total risk-based capital ratio | 14.8200% | 3,747 |
| Memoranda: | ||
| Average total assets | $75,210,500 | 5,967 |
| Average earning assets | $65,202,500 | 6,066 |
| Average equity | $8,049,500 | 6,044 |
| Average total loans | $46,792,500 | 5,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1583% | 4,739 |
| Cost of funding earning assets | 2.1492% | 5,836 |
| Net interest margin | 4.0091% | 3,071 |
| Noninterest income to average assets | 1.1125% | 1,264 |
| Noninterest expense to average assets | 3.1514% | 3,508 |
| Loan and lease loss provision to assets | 0.1740% | 5,162 |
| Net operating income to assets | 1.0282% | 2,438 |
| Return on assets (ROA) | 1.0322% | 2,314 |
| Pretax return on assets | 1.3909% | 1,997 |
| Return on Equity (ROE) | 10.2119% | 2,183 |
| Retained earnings to average equity (ytd only) | 8.1722% | 793 |
| Net charge-offs to loans | 0.2036% | 4,169 |
| Credit loss provision to net charge-offs | 138.2979% | 3,845 |
| Earnings coverage of net charge-offs (x) | 12.3936% | 2,249 |
| Efficiency ratio | 66.8940% | 4,925 |
| Assets per employee ($millions) | 3.2305% | 5,396 |
| Cash dividends to net income (ytd only)* | 19.9741% | 4,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,783 |
| Loan loss allowance to noncurrent loans | 1,080.3571% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,288 |
| Noncurrent loans to loans | 0.1203% | 7,050 |
| Net loans and leases to total assets | 61.8255% | 5,644 |
| Net loans and leases to deposits | 75.8951% | 5,601 |
| Net loans and leases to core deposits | 94.6862% | 5,389 |
| Total domestic deposits to total assets | 81.4619% | 4,425 |
| Equity capital to assets | 10.7536% | 3,246 |
| Core capital (leverage) ratio | 10.5425% | 2,944 |
| Tier 1 risk-based capital ratio | 13.5451% | 3,798 |
| Total risk-based capital ratio | 14.6008% | 3,806 |
| Memoranda: | ||
| Average total assets | $74,697,200 | 5,886 |
| Average earning assets | $67,048,200 | 5,931 |
| Average equity | $7,550,000 | 6,260 |
| Average total loans | $46,160,600 | 5,868 |